Aug 2, 2012
Morons called my number this afternoon at 5:25 p.m., from number 201-308-9271. In the "computerized" voice mail (don't you just LOVE computerized messages, and/or, people who are from India or some other "foreign" country.....), anyway, in the message, it left a debtor ID number and a number (800) 414-8319, with a "threatening" message stating that they "expect" a call back within 24 hours. Knowing that I have nothing outstanding in my payment history with any of my creditors (and, by the way, I just received my three free credit reports last week, so I KNOW I have nothing outstanding), I contacted them. I gave them the debtor ID number, which was "not" for me in my name, but for someone else that I happen to know. They would give me no information. The person they were trying to reach is my husband. Still, they would not speak with me. I know his credit is perfect, as we both received our three credit reports last week - and, we are refinancing our home (all perfectly fine, because our credit is GREAT), so I looked the two different phone numbers up on the internet, as well as, the TWO different names...(IE. The name that came up on the Caller ID is not the name on the 800 number that they left to return the call. The Caller ID states that the company is ASTA FUNDING, but....in reality, it actually is PALASADES COLLECTION...A company who purchase UNCOLLECTABLE debts! Don't let them fool you!!! A creditor CANNOT collect on a debt after it is SIX (SIX) 6 YEARS OLD!!!!!!!!!!!! Most people think that a debtor can collect up to seven years, but this is absolutely untrue! It can remain on your credit report for seven years, but it is UNcollectible after just SIX YEARS! :)