On July 20th my parents received a phone call from a place called Giove Law Office. My parents weren't home so they left a message on their machine. They said that if I didn't call them or pay them by July 24th, they were going to file papers against me. My parents freaked out and they called me. So I called them and I spoke to a really rude woman who said that if I didn't pay $1999.61 by July 24th, they were going to file papers against me.
She told me that if I paid this, they would contact all the credit agencies and let them know that I've paid this and that would tell them to remove it from my credit report. I was scared since I've never been sued. I told her that I couldnt afford that by monday. She told me that she could put me on a payment plan or I can tell her I would promise to pay and she could hold a post marked check.
Friday came and someone called. She wanted to know if I had gotten the money from my parents and if I was still planning on paying them on monday. I told her that I couldn't talk to her because I was getting ready to go to a wedding. The last thing she said was that I needed to pay this by monday or else.
I did some reaserch and I found that this citi bank account that she was talking about was not on any of my credit reports. This was a debt from when I was in college back in 1998. The last time I made a payment was June 1999. I dont understand how they could ask the credit agencies to remove something that isn't there.
I'm not sure what to do. I think that my statute of limitation has run out and I know that I have to write them a letter. I dont what them to know my real address. I'm not sure what steps I have to go thru now. If I do write them a letter to validate the debt, what do I do if the write back? I really dont know what to do. I dont want these people to get away with this. Not with me or anybody else. I'd rather pay citi bank then these people. Can anyone give me some advise? Thanks
0 comments