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
Creditor: CALVARY PORTFOLIO SERVICES
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 www.magicjack.com 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.