Jul 19, 2012
CRS, Collection Recovery Services. Brian had left a message that this was a legal matter, not collections. When I called he did not identify his company went straight into a spiel how there was a judgment against me and a lien could be put against my home, but he could stop this if I paid half... I kept asking questions, as in mainly what are you talking about? He gave me two different bank names, that I either had a loan or a credit card. Finally he gave me the name of his company, and still denied three times it was a collection company before admitting I was "technically" right, but it wasn't that dept. Yet, he was wanting money... His manager got on the phone, gave me yet ANOTHER bank name. She ended up threatening me that a 1099C would be filed against me, how I would remember this day when I was offered to settle for much less than owing $6k the courts are going to make me pay.
Neither bothered to verify they were indeed speaking to the correct party; no asking me my full name, address, last four of SSN, DOB, etc... Best of all, it came out that this is a FOURTEEN year old debt. SOL is loooong past. I know they can still attempt to collect on such, but attempting such threats?! It's really laughable. This was my FIRST contact with these people. I've no idea of any such debt, I was familiar by name only with just one of the banks they mentioned. And, after finding out it was something that old, I quit trying to rack my brain and make sense of the whole thing.