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Ok, so I have been getting these calls from a company named Riddle and Assoc. telling me i am going to be sued for computer from back in 1999 june. So after dealing without credit for so long i thought i could do this so i agreed to pay them today and gave them info and everything i would have checked the net first but i was at work, i am on a differed sentence for poss. so i cant have any trouble the debt is 3471.86 when it started it was 1507.00. so what now chapter7 and change all my info again? please help me im so stupid




My gosh, 1999? This debt has to be past the statute of limitations by now, depends on what sate you are in.

Sub: #1 posted on Fri, 08/22/2008 - 05:37

Shazzers Shazzers
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i would have checked the net first but i was at work, i am on a differed sentance for poss. so i cant have any trouble the debt is 3471.86 when it started it was 1507.00. so what now chapter7 and change all my info again? please help me im so stupid


What does this mean I am confused? What exactly are you asking? I am sorry.

Sub: #2 posted on Fri, 08/22/2008 - 05:39

ladybug ladybug

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I guess the first thing that popped into my head was the fact that this debt is so old, 9 years old to be exact, so I was thinking that if it's past the statute of limitations it's an uncollectable debt. Just hang tight because I'm not possitive about this, I'm sure Mobile or nascardevil will be around tonight and they can offer you better advice than I can. :?

Sub: #3 posted on Fri, 08/22/2008 - 05:44

Shazzers Shazzers
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i am in oklahoma the limits are 3 years open 5 the other one. It means i cant get into ANY legal trouble at all. Im really worried because i just agreed to pay them today and i can but it would be really hard to make it work. So does me telling them i was willing to pay restart the statue of liimitations or what? Should i just file for bankruptcy? or just call them back politely tell them that the statute of limitations has run out and they broke federal law threatening to sue me?

Sub: #4 posted on Fri, 08/22/2008 - 05:45

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They didn't actually break the law just because the statute of limitations ran out, but you really need to make them validate this debt to make darn sure whoever it is attempting to collect on it has a right to do so. Have you received any correspondence from them at all? Such as a dunning letter? What is the name of this company, is it the original creditor or a collection agency?

Sub: #5 posted on Fri, 08/22/2008 - 05:49

Shazzers Shazzers
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Yes a few letters but they keep saying that they had sent alot more of them. Dunning letter?no The company is riddle and associates, no.

Sub: #6 posted on Fri, 08/22/2008 - 05:54

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Well, keep checking back, as I said, I am sure someone will be along sometime and address this question for you. :)

Sub: #7 posted on Fri, 08/22/2008 - 06:00

Shazzers Shazzers
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They did violate the fdcpa if tehy threatened to sue on an out of statute debt but unless you recorded it would be hard to prove. Riddle is on Bud's worst list:

http://www.budhibbs.com/debtcollectorpages/riddle_and_associates.htm

You'll have to do some research to verify but I beleive only a written acknowledgement and promise to pay would re-set SOL. Is this reporting on your CR's? If it went delinquent in 1999, you are past reporting period and SOL. The Dunning Letter would have been the very first communication with you. It would have the "mini-miranda" (you have 30 days to dispute....). If you can verify that this is beyond SOL and reporting period, I would send them a full cease comm FOAD letter.

Sub: #8 posted on Fri, 08/22/2008 - 06:21

NASCAR_Devil NASCAR_Devil
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Also, if you gave them your bank info, go in tomorrow and close that account. If you can't immediately close it, talk to the Branch Manager and have a hard debit block placed on your account and give them the info on Riddle.

Sub: #9 posted on Fri, 08/22/2008 - 06:23

NASCAR_Devil NASCAR_Devil
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well im in oklahoma, any other ideas

Sub: #10 posted on Fri, 08/22/2008 - 07:52

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