This firm sent me a collection letter for a Citicard account that I settled in 1994. Pa Statute of limitation is 6 years. This is enacted so people do not have to keep paperwork beyond this time frame and recall old bills. The Credit Bureau can only report items for seven years after the delinquency. This firm capitalizes on this fact and tries harassing intimidating letters and phone calls. Per the federal Statutes I sent a Certified Mail CEASE & DESIST LETTER.
They phoned me after this letter! This firm was sued by the US GOV FTC in Mar. They settled with a fine of $300,000 and a Consent Order to comply with all statutes in the future. Their call to me after my Cease & Desist letter is a violation of their Consent Agreement and Contempt for the US Courts. I advised that that all future correspondence (after the Cease & desist letter) would be forwarded to the FTC and the PA Attorney General IN COMPLAINT. I also put them on notice that all of their phone calls would be tape recorded and a copy of these tapes forwarded to the same agencies. Federal Law provides for an $11,000 fine for each separate incident. Don't they get the message? What needs to materialize here is a CLASS ACTION litigation against this firm and it's principals.
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