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Stephens and Michaels Associates – Has anyone got a call from them?

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a debt collector called from stephens and michaels associates:

Caller ID: 866-201-0940
Caller: Stephens & Michael Associates

i was in the process of running out the door to drop the kid off at daycare and didnt have time to talk. told him to call back on monday.

i dont know why he called since i had never heard of this company before. i have done some research and know they harass people.

i want to call them back to find out what they want but want to be sure that i dont provide them any opportunity to restate SOL. my only active debt is a student loan and my only CC debt collection action will be 7 years ago this September.

how should i approach the call without screwing myself?

thanks for your help




Verify you are the person they are seeking, verify your mailing address and inform them they have 5 days to send you details in writing. End the call. When they mail you their dunning letter, respond with a request for debt validation.

Sub: #1 posted on Sat, 05/30/2009 - 09:24

NASCAR_Devil NASCAR_Devil
Moderators Cum Industry Expert
(Posts: 4666 | Credits: 308.23)

thanks for the info!

Sub: #2 posted on Sat, 05/30/2009 - 09:26

insidiom insidiom

(Posts: 10 | Credits: 6.48)

just thought of a follow up---ive never requested a debt validation. i assume it shows the detail of the debt along with any actions taken to collect (age of debt, too). if it is past the SOL and isnt on my credit report, what is the next step that i should take?

Sub: #3 posted on Sat, 05/30/2009 - 09:28

insidiom insidiom

(Posts: 10 | Credits: 6.48)

just called them and verified name and address, last 4 digits of social. they told me what the debt was for, etc...i asked for details of the debt in writing and they said they couldnt provide it, that the original creditor didnt provide that to them. all they can send me is a settlement letter. i asked repeatedly for the details in writing and the guy got testy. he told me all the info over the phone but wouldnt send me any itemized billing. all he could provide was a settlement offer letter. he said that he couldnt send any letter stating the details of the debt that he gave me over the phone. he asked why and i told him that i needed the details in writing to verify the details of the debt; that i needed a record of the debt. i told him that unless he sent that letter, i couldnt do anything about it.

Sub: #4 posted on Sat, 05/30/2009 - 09:41

insidiom insidiom

(Posts: 10 | Credits: 6.48)

correction--- i told him that unless he sent that letter, i couldnt claim responsibility for the debt. i also recorded the phone call. i am paranoid.

Sub: #5 posted on Sat, 05/30/2009 - 09:43

insidiom insidiom

(Posts: 10 | Credits: 6.48)

Well, by law the must send you details w/in 5 days of initial contact. Until they do, don't deal with them. Good thing you recorded it. it might come in handy. In the meantime, Google the FDCPA Sec 809 on validation of debt.

Sub: #6 posted on Sat, 05/30/2009 - 09:50

NASCAR_Devil NASCAR_Devil
Moderators Cum Industry Expert
(Posts: 4666 | Credits: 308.23)

thanks. the collector told me that the last action of this debt was on june 11th 2004. the SOL for texas that ive read, verbal and written, is 4 years. does this mean they are pursuing this debt illegally or are they trying to get to me before this drops off mycredit report in september?

Sub: #7 posted on Sat, 05/30/2009 - 10:15

insidiom insidiom

(Posts: 10 | Credits: 6.48)

In Texas, the SOL is 4 years from the Date of Last Payment. They must alos post a $10K Surety bond with the TX SOS which they have:
Stephens & Michaels Associates Inc. # 1

Address: 63 Range Road
Windham, NH 03087-
File Number: 20030210
Status: Active
Date Filed: 11/24/2003
Cancellation Date:
Phone: (603) 537-1740
Bonding Company: Travelers Casualty and Surety Company of America
Bond No: 775224855TX

Reprt them to the FTC, the TX AG, the NH AG, and the BBB.


If this is dropping of of your credit report in September, then it went delinquent around March '02...does that about right?

Sub: #8 posted on Sat, 05/30/2009 - 10:24

NASCAR_Devil NASCAR_Devil
Moderators Cum Industry Expert
(Posts: 4666 | Credits: 308.23)

yeah, it was 02. as to the month, i cant say off the top of my head. so, from this point forward i should have no contact with them? only report them to the FTC, AGs and BBB?

Sub: #9 posted on Sat, 05/30/2009 - 10:28

insidiom insidiom

(Posts: 10 | Credits: 6.48)

The only contat I would have with them is to send the a Full Cease Communication letter informing them you have no legal obligation to pay this debt and never contact you again. Send it CMRRR

Sub: #10 posted on Sat, 05/30/2009 - 10:29

NASCAR_Devil NASCAR_Devil
Moderators Cum Industry Expert
(Posts: 4666 | Credits: 308.23)

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