by cadude » Sat Jan 26, 2008 04:00:40 PM
If people are coming to this site for help, then maybe it was my mistake for filling in the blanks with negative answers.
...the collection agency is bothering my roommate looking for me, because I didn't pay bill. I never answer the phone, because I don't want to deal w/ collection agencies. My bill has been outstanding for quite some time because I think it's passed it statute of limitation. I have no intention of paying it, because I believe it's passed it's SOL -- how do I get Dave at ARO to acknowledge this, so I can continue living in peace.
Gillian, this is what you said in a nut shell. To a collector (as I am) you are avoiding a debt that has had ample opportunity to be paid, either in full or my a payment arrangement. You have to agree with that. I mean, it's just simple logic.
Now, since I'm not going to be a complete prick, I'll help you avoid your debt. Fax Dave at ARO a cease and desist letter. State in it, that all communication by telephone from this point forward will not continue. Any further communication between your self and ARO will be by registered mail. You can include some legal mumbo jumbo if you wish, that's up to you.
And since you know what SOL means, ARO won't be able to sue you, so all you'll have to worry about is collection letters. And even at that, if you wanted to, you can return it to the sender and mark it, moved unknown forwarding address. Most agencies have a mail room that do not review agent notes and will mark the file so no letter will go out until it gets skip traced. But, since no one can call to confirm anything, the file will just be buried or ignored. All this until if or when ARO then sells the debt to another company like Arrow Financial or Genesis Financial.