This company is highly unethical, deceptive, and destructive.
I was contacted the other day (25 Feb 09) by one of these people, who stated that I supposedly had a unpaid debt from November. They had never contacted me prior to yesterday. That's 5 years 2 months and 28 days from the alleged debt date and the date that I was contacted.
Yesterday was the very first day that I was ever contacted by NRA, LLC. They claim that I owe them money from some fictitious DVD club. The kicker is that they reported this as a negative unpaid debt in September to my credit report, but never contacted me until now. Why wait 5 months, then contact me?
I was under the assumption that if a debt was going to collections, they were required by law to contact you. I also thought that they had to contact you about something negative going on your credit report before it happens, not five months after the fact.
I also thought that if you owed money to someone for something, they would not wait OVER 5 YEARS to contact you about it. If this is a legitimate debt, why not contact me sometime in the past 5 years?
On top of that the Nebraska Statute of Limitations found under Nebraska State Statute 25-250, Written contracts are 5 years and Oral contracts are 4 years. So they didn't even contact me until after the statue of limitations had expired. Complete BS.
This is the first contact that I've ever received from them, and they've already ruined my credit. I filed a dispute with the BBB and the Credit Reporting agencies. Watch yourself, and make sure you keep track of your credit, because odds are they've probably already screwed your credit report before even contacting you.
Highly unethical company with no respect for people.
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