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sj, United States | 07-Apr-2015 |
Scam Phone Number 8882028829, Pheobe adler, Smith Reid and associates scam bogus "company".
Pheobe adler is who i spoke with when i mistakenly called back after receiving a vmail that scared me half to death. She stated she was with Madrid in associates and they were calling about a bank account that it closed in 2009 for Washington Mutual (which no longer exists). she stated they have been sending me mail on it consistently at an address that has been demolished for quite some time. she sounded very nervous on the phone and was saying" unm, maybe,well let me talk to my VP "and things of that nature. she said she would send me a validation email to reinstate a payoff but after reading several post on this site I emailed her the below and pray fully that nips it 8 the bud. I got so scared thank you for this site.
Hello and attention to phoebe Adler,
I did a little research on your "company". Pasted below
http://www.m.scamcallfighters.com/scam-call-8559796614-Smith---Reid-Associates--855-979-6614-AKA-Stein-and-Adams-legal-group-Billing-Scam-17869.html
It appears that this is something your "company" ( and I emphasize the quotations) on the regular to consumers. Due to the above pasted website I cannot And will not sign anything until I speak to a "REAL" Lawyer regarding this matter.
I will also attempt to contact any number of the former bank that I can find due to it no longer being in existence. Have A Good day
Sent from Yahoo Mail on Android
email from me to company
Hello and attention to phoebe Adler,
I did a little research on your "company". Pasted below
http://www.m.scamcallfighters.com/scam-call-8559796614-Smith---Reid-Associates--855-979-6614-AKA-Stein-and-Adams-legal-group-Billing-Scam-17869.html
It appears that this is something your "company" ( and I emphasize the quotations) on the regular to consumers. Due to the above pasted website I cannot And will not sign anything until I speak to a "REAL" Lawyer regarding this matter.
I will also attempt to contact any number of the former bank that I can find due to it no longer being in existence. Have A Good day
Sent from Yahoo Mail on Android
email from me to company
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These are extortion scams and one should never ever act unless and until a valid, verifiable notice is received in mail, in accordance with the terms of the FDCPA.
SJ, even if you really had a payment default in 2009, you have no reason to bother since the debt can not be legally recovered.
Here is a note which will be of help to you!
If you had defaulted on a payment, you are protected by ‘Statute of Limitations’ under which, debt collectors have a limited number of years, to sue you to collect.
The period of SOL is not uniform in all states and varies between 3 to 10 years. Check the SOL period in your state, here legaldebtfoundation.org/bankruptcy/how-does-it-work/state-laws/statute-of-limitations-by-state/
After that period, your unpaid debts are considered ‘time-barred’ and a debt collector cannot sue you, for not paying that debt. The SOL period starts from the time of your last payment, not from the time of your first payment.
Late payments go on your credit report, after 30 days and it will remain there for 7 years. If someone calls you and demands old debt, obtain and check your credit report, first!. If the alleged old debt is not stated in the Credit Report, you should know that the call is a scam!
Even if the debt appears in the Credit Report, paying a scammer who might have learned about your unpaid debt and tried to extract money from you, will not help to make the debt disappear. You will only lose money!
If there is a payment delay of more than 120 days, the lenders will turn it over to either internal or a third party collection agency to recover the debt. They may also charge-off the debt (write off) or sell it to one of the debt collectors. These incidents are reported in your Credit Report
Only the collection agency that currently owns the debt can show an amount in the Credit Report. The previous entries should show zero balance. Duplicate entries will be deleted by the Credit Bureaus. However, if you find duplication, send a dispute letter to the credit bureaus asking them to correct the entries.
Here is a quote from Experian “The original account and subsequent collection accounts will be deleted seven years from the original delinquency date. The original delinquency date is the date of the first missed payment after which the account was never again current.
The collection agency is required by law to carry over that original delinquency date from the first account and report it to the credit reporting company. That ensures the collection account is deleted at the correct time.”
If a debt has been reported in your Credit report it will fall off the report after 7 years, from the date of first default. A decision to pay an old debt has to be taken, considering all the above matters. Most people may find it appropriate not to pay a debt which is protected by SOL and if the debt has disappeared or is going to disappear from Credit Report, soon.