Usacomplaints.com » Business & Finance » Complaint / Review: Merchants Credit Guide Co - Ripoff statute of limitations violators HERE IS A LETTER YOU NEED TO SEND TO THESE JERKS. #176717

Complaint / Review
Merchants Credit Guide Co
Ripoff statute of limitations violators HERE IS A LETTER YOU NEED TO SEND TO THESE JERKS

These guys are bottom-feeders. DO NOT give them one red cent.

The Statute of Limitation in most states is 4 years.

Refer to this website:

Http://www.fair-debt-collection.com/SOL-by-State.html

If you are unfairly targeted (i.E. Not your debt or debt was charged off 10 years ago), then you should write your state attorney general as well as Merchant Credit guide with something like this:

Today's Date
Your Name
Your Address
Collector's Name
Collector's Address

RE: [insert account number or name of account or name of debt]:

Dear [insert collector's name or company name],
This letter is in response to your [letter dated xx-xx] (copy enclosed) or [phone call on xx-xx], concerning the collection of the above referenced [account or date].

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in (insert your state or the state in which the contract was signed) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired.

This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.

(Sign above name)
Printed Name

I got the above from here:

Http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html

Don't let these "people" intimidate you!!!

Fight the good fight...


Offender: Merchants Credit Guide Co

Country: USA   State: Illinois   City: Chicago
Address: 223 W. Jackson Blvd
Phone: 3123603000

Category: Business & Finance

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