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Wednesday, April 28, 2010

Ok, so most of you all know my hubby is in the AIT at Ft. Leonard Wood, MO for the army. Well a while back he told me that there are a couple of debts that he's going to need to get paid off. 1 for a truck that he owned before him and I even met. The 2nd for a phone that we had in NY when we lived there. Well, last week I got a envelope with his name on it, so I opened it, since he's told me to open his mail. The envelope didn't even say where it was from. Normally I don't bother opening envelopes that don't say what/where they are from. Anyway this says it's from a collection bureau and it's about his truck that he had, which we were sure we had paid off and that it was written off.

In the letter it says this...

First National Collection Bureau, INC
610 Waltham Way
Sparks, NV 89434
(800) 824-6191

Original Creditor: CHRYSLER
Account #: XXXXXXXX
Total Due: $XXXXXXX
This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned client.
Unless you notify this office have 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with the name & address of the original creditor, if different from current creditor.
In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan.
We would like to extend the following settlement offer
A 70% discount payable in 6 payments of $XXX.XX. Each payment within 30 days of the previous payment.
We are not obligated to renew this offer.
For your convenience you may pay via check over the phone or credit card.
You have our word that your account executive will treat you fairly with respect.
First National Collection Bureau, Inc.
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector.

Down below the letter it has a box for filling in Credit Card information and then below that, it has some coupons to cut out and send in with the payment.

Well today I finally decided to give them a call and see about making 1/2 the payment, since we have 1/2 available. But, when I called it said something like "Thank you for calling Magic Jack, the number you are calling is not currently a working number" and then it goes on to say, If you would like to learn how to save as much as $1,000 a yr on your telephone bill please go to and start saving today" So immediately a red flag went up and I googled the name of the company on the letter and from different things I'm reading apparently it's a FRAUD company.
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Member Comments About This Blog Post
    Glad you didn't get caught!! You just have to be sure of yourself. Lots of fraud mimic real companies.
    3249 days ago
  • FITKAT2010
    3249 days ago
    That's terrible! Good thing you checked it out first!
    3250 days ago
  • JACQUE8119
    Hi there,
    I am familiar w/ this Cavalry Portfolio Service. They themselves are not a fraud company. They are after me regarding a credit card debit which I know is valid. I'm working w/ them on it. That's wierd though that when you called it was magicjack or whatever. Anyway, I'm glad you checked it out. It's always best to be safe and check out anything you are unsure of.

    Take care!
    3250 days ago
    WHOA!!!! It is a really good idea that you checked this out forst!!!! I defiantly would go to the authorities.
    3250 days ago
    The sad thing is collection agencies pop up like that out of nowhere ALL of the time and even when they are just scams, can still REALLY screw with your credit! One of them affected my friend's security clearance when we joined the Air Force and she had to go before a hearing and everything! It's so good that you caught that on time!!
    3250 days ago
    OMG! Aren't you glad you caught that in time? :o
    3250 days ago
  • no profile photo FULTONCOUNTY
    I agree with the advice to contact your local police station. Fraud is an ongoing problem in this country. I'm glad you checked things out before sending any information.
    3250 days ago
    Great catch! I would forward it to the police and BBB - I'm sure you're not the only household that has received this. The police likely won't do much but one never knows.
    3250 days ago
  • ROBIN1287
    Wow. That's horrible. Luckily you checked it out. Some people would have just sent in their credit card info and been ripped off. I wonder if you contact your local police if they would forward it to the attorney general's office in your state or help you find the right agency to help. Good luck.
    3250 days ago
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