Complaint / review text:
I recieved a letter from CMS stating that I owed a debt. I am a responsible person, and all of my debts are paid. But hey, i could have missed something. So, I got my credit report from all 3 credit bureau's, checked over all my records, and i have no record of a debt in this amount. So, i called CMS to ask them how to dispute a debt, prove its validity, and resolve this issue. The man started yelling at me, told me he would see me IN COURT, that I would have to pay him twice the amount of debt that was owed, plus court costs. I was finally able to get him to tell me that the debt came from 2000, from a visa card.in 2000, I was a [email protected] waitress paying off a student loan - there is no way I would have been able to get a credit card. I told the man this, and he again told me that I would be in court, unless i paid the settlement amount, 10% of what was owed right now. I let him know that I was not paying anything until I had validity of the debt, and that I knew I had 30 days to dispute. He said you just disputed it - now i am going to give you 30 minutes to call me back and pay the amount in full or I am going to take you to court. Needless to say, I was upset.
I entered the company's name online, and this site came up. I saw a person who had a similar situation, and the rebuttal was - "your problem is with LVNV, contact them." So I followed that advice. The man who answered the phone at LVNV was very helpful. I explained to him what happened, and what CMS had said. I explained to him that I would gladly pay the debt, if it could be validated as mine - i do not want unresolved debt out there - and even a 1% chance that this debt is mine, I want to find out. He walked me through the dispute process, explained to me that the company would send whatever proof they had once I had followed the process. Then, he went on to let me know that the debt was out of statute as of 2002- meaning no court would force me to pay anything on this debt! Cms was absolutely lying! He then gave me a number to call to file a report on CMS, and said that he would file his company's report for such things as well. I am going to follow his advise, file the dispute, and the complaint for CMS. Additionally, I am going to look up other methods of complaint, and let people know what CMS is doing. If anyone out there knows of any other ways to file about this incident - to what athorities, and how to reach them, please let me know. I know flat out that what CMS is doing is illegal - you can never tell a person they have only 30 minutes to settle a debt. Thank you for reading.