I am putting this up for all Camco victims. For well over a year I and others have been helping people with this scam company on a volunteer basis. There are a few things you need to know. Remember that in most states it is legal to collect on a debt but Camco breaks the laws trying.
1) They have recently been kicked out of the BBB for over 300 complaints but it appears as if they still have a houston address. When you make your complaints to the BBB use that address.
2) They are under investigation with the FTC right now. When you make your complaints use the following link:
https://rn. Ftc. Gov/pls/dod/wsolcq$. Startup? Z_ORG_CODE=PU01
3) They now have 181 complaints with the Illinois Attorney General. Do not forget to make your legitimate complaint here:
http://www.ag. State. Il.Us/complaint.htm
4) Make your complaint to your states attorney general also. You can find it by putting attorney general in the google search box.
Camco likes to use a couple of threats. The first thing they do is threaten your credit report. Negative information like bad credit cards or collections can only remain on your credit report for 7 years. Selling a debt does NOT restart the statute of limitations for reporting the debt. It is a violation of the FDCPA to even threaten such action. Camco also likes to threaten you with a lawsuit. IT is ILLEGAL to even threaten a lawsuit much less sue on a time barred debt. (See Kimber v Federal Financial Corp).
Camco is easy to get rid of because the federal government has their eye on them. What you need to do is simply send them a cease and desist letter ceritifed and/or faxed telling them never again to contact you by mail or phone. Also remember that credit cards are considered open ended accounts and NOT written contracts. They will lie about this also or make up some supreme court rule that does not exist. They especially like to abuse California residents.
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