I get call from SIMM saying they are collecting an Ebay debt from 1998! They were really smooth and I paid them.

Then I call them back and they tell me they are collecting on a $16 Ebay billing from 6 months ago (different person different story) but with late fees and penalties its still over $100! I tried to tell them they are a scam and that I was going to make some calls. Now I have to get my debit card changed! Beware of these guys they are crooks!!!

These types of people should feel as low as slugs taking advantage of people like this. The phone operators are probably selling their souls for minimum wages while the guy who dreamed up this scam is getting rich!

Monetary Loss: $119.

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Look up Zombie Debt ...


zombie debt

Web definitions

Phantom debt or zombie debt is a debt that is old, defaulted, or not owed and is somehow haunting the presumed debtor.

It generally refers to debt that is more than 3 years old, is long forgotten about or belonged to someone else- like someone with the same name or a deceased parent. ...


CONSUMERS FIGHT BACK - debtorboards.com

Debt collectors push you around if they sniff you don't know their game or more

aptly your legal rights. So before you engage them to make any arrangement Google

these and become an informed consumer, it will save you potential trouble in the


1-what to do when you are contacted by a collections agency.

2-your rights under federal laws FDCPA and FCRA

3-Validation of debt (VOD), cease and desist (C&D), CMRRR

4-Your state's Statute of Limitations (SOL) on debt.

5-post your questions at debtorboards dot com if things get thick

6-Settlement Offer Letter - very important don't pay anything without it.

-If your state's SOL is expired the debt is noncollectable, period! That's why


-Never ever accept/agree/acknowledge you owe/own a debt. Per Federal law first

demand a VOD. Use CMRRR (you can call but not recommended. Be sure to record the


-VOD must be the original document with your signature on it, not a letterhead

stating some amounts owed.

-NEVER EVER confirm your your personal info. Tell them to mail whatever to the

address on file.

-if you legitimately owe a debt don't pay anything without a settlement offer


-mail checks with tracking No. or signature required, no electronic access to

your bank ac. you will be cleaned out. Keep records for life.


-Send a C&D by CMRRR stating when, frequency and how they will contact you.

-If you talk to a CA ALWAYS write down immediately, who called, where from, said

what, why, when, what, i.e. everything. This is acceptable evidence in court.

-If CA violate your rights each infraction is worth $1000 to you. Thus, use CMRRR

and/or record all calls ->evidence is $$$ for you. No lawyer?, sue pro se, see #5


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