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Posts: 2
Credits: 182.15

Has anyone had any success dealing with Rossman and Co. They are showing up on my credit report as a medical collections however I had insurance and paid the deductible so Idon't understand why they are showing up on my credit bureau. Plus they have never tried to contact me. Now I'm trying to buy a home and they are stopping me from getting the loan. I tried talking to them however all they do is put me on hold. After six times of being put on hold I quit trying today.

You can write a letter demanding validation.

If they can't validate, they can't collect.
If they can't collect, they can't make entries on your credit report. Don't expect the letter writing to be a rapid solution, it often isn't.

You may also want to consider holding on the phone. I suspect that you are a non-payer to the collectors, and they don't want to talk to you. Maybe you can keep calling too, maybe you'll find a person who's willing to help you out. Maybe you can talk to a supervisor, too.

Sub: #1 posted on Thu, 04/26/2007 - 08:33

Morningstar Morningstar

(Posts: 1634 | Credits: 124.78)

Rossmans & Company
3592 Corporate Dr. #105
Columbus, Ohio 43231

Fill in the spots on the below letter. send it to them certified mail and the should not bother you again if they do take them to court. This company has hundreds of complaints on them for poor conduct.

[Your Name]
[Your Mailing Address]
[Your City/State/Zip]

Certified Mail, Return Receipt Requested # [Insert the Certified Mail Receipt Number here]

[Insert Date of Mailing]

[Insert name of collection agent, if available]
[Insert name of collection agency]
[Insert address of collection agency]
[Insert City/State/Zip of collection agency]

REF: Account # [Insert either the original account number or the collection agency's account reference number here]

Dear [Insert name of debt collector calling--if available--here]:

1. You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

2. You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the [Insert your home state here] Attorney General's office. I will pursue all criminal and civil claims against you and your company.

3. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

4. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.

5. Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor.

Give this matter the attention it deserves!

And have a nice day.

[Sign your name here]

[Insert your name here]

Sub: #2 posted on Sat, 11/03/2007 - 02:21


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