I got a letter from these ppl back in June. The letter was dated June 11 explaining to me that I had 30 days from the date of that letter for validate the debt. I didn't dispute, because I knew I had this debt, but the credit card company charged it off over 5 years ago. I called the credit card company to double check that it in fact had been charged off. They said yes but it was with another company called Midland Funding LLC. I called them, it had also been charged off with them.
Fred Hanna's office calls me about 4 weeks ago wanting to know if I could post date a check for the amount of $400 (My balance on my credit card account was 799.09, but Fred's office said they would settle for $400). So I told the lady no, I didn't have the money at the time I would have to get it and send in a Money Order. She said that was fine but I had until July 20 to get the money to them and to just call her and let her know when I send it in the mail.
I didn't send it. They called me back yesterday (Aug. 6), saying that I never sent the $500 that I was supposed to send. I quickly corrected her in saying, "you mean, the $400 I was supposed to send." She said, "Yes ma'am". Well, I told her that I was going to have to borrow the money and mail it to her via MO. Again, she tells me to call her when I get it in the mail.
Meanwhile, my mother works for an Attorney so I called her and told her what was going on. She talked to the Attorney she works for and asked me if Fred Hanna's office was going to send me a Release from Debt letter. I called Fred's office back, talked to the same woman I've been talking too and asked her, "Will I get a release from debt letter?". She tells me, "No ma'am, you have 30 days from the date that the payment posts to REQUEST a Release from Debt letter." I said "Ok, what about a receipt? How will I know that the payment posts?" She told me that I would NOT get a receipt. I said, "Then how will I know when the payment posts." She said she wasn't sure when it would post because I was mailing it in and it still had to get to their office, to through them, then go through accounting, blah blah blah. So I told her thank you, hung up and called my mother's office back to tell her what this lady told me.
She talked to her Attorney again, and he said for me not to send a dime to them. That ANYTIME you are contacted to pay an outstanding debt, you should ALWAYS get a Release from Debt letter, basically saying that paying "X" amount of dollars WILL release you from this outstanding debt. Fred Hanna's office was NOT willing to do that for me.
If that isn't a RIP OFF, I don't know what is.
So watch out for these ppl
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