877-394-5975 / 8773945975

yeah. back in 2008 ALL of my business cc's went from 0-6% to 32-34% OVERNIGHT. Impeccable payment history. They told me that they jacked my rates because my business (construction) was now "high risk". So they all made it impossible to even pay down. I let it all go. They can kiss my wide one, as far as I am concerned. They can get the statute of limitations as far as I am concerned. I lost a few years of my life being that stressed out to the maximum. The phone calls ALONE were enough to drive someone over the edge.

Debts do not become null and void unless you file for bankruptcy and then in essence they are. Statute of limitations, however, on ability to collect a debt is not enforceable after 7 to 10 years depending on your state's laws. Some are even 5 years. The obligation to pay is still there but they can't do anything about it legally and attempts to collect on a debt are illegal if they are past those time frames. You can win against them in a court of law if you pursue going after them for making any such attempt. The reward is not very much and not worth the hassle.

My husband lost his job almost 5 years ago... scraping along like many Americans. I did get behind on this bill. However, I set up a payment plan with them and I pay them bi-weekly. It auto-pays out of my bank account, so it is ALWAYS on time. I have made 17 payments since we started the arrangement. I WANT to pay them what I owe them and I AM paying them. However. they continue to call me at work and at home, regardless of the fact that I am sticking to the arrangements we BOTH agreed to.Not sure what more I can do about it. I think I only owe them about $140 and I'm done. I'm guessing they are trying to get that small lump sum. I pick up the phone and there is never anyone there. I would be happy to talk to them to find out why they call me several times a day and never have anyone on the other line.

An attorney advised me that any unsecured debt that has no activity for 36 months is prescribed and CANNOT be collected. If the debtor files bankruptcy a proof of claim is required by the creditor and if the debt has prescribed the Bankruptcy Court denies the claim and disallows the listing of the creditor in the bankruptcy Activity is either a payment or charge by the debtor, or the creditor files petition to obtain a judgment in a court of jurisdiction for the debt. The is necessary for the debtor to be served notice of court hearing and documents filed against them by the creditor. Any negative accounts can be reported to the National Credit Reporting Agencies for a maximum of seven years from the date the account was either first reported delinquent, or the date of the last activity. Many unsecured creditors write off the debts, then third party agencies buy these debts in an effort to "strong arm" collections The Federal Government has a commission in place that establishes Fair Debt Collections. A letter to the third party agency advising them to cease and desist communications is required, and if attempts to contact the debtor continues harassment can be filed and the debtor can receive up to three times the amount claimed as owned by creditor for the harassment.

Write them a letter requesting proof of claim. If the original debtor wrote the item off, the collection agency purchased a bad debt and is attempting to strong arm you into paying. No activity on an unsecured account meaning no charges or payments by debtor, and no attempt to petition the court for judgment against the debtor within the 36 month time allows the debt to prescribed. In the letter advise the collection agency to stop all communications. Begin tracking the continued contact by the parties and you may counter sue the collection agency for harassment which you can be awarded up to three times the amount of debt claimed by the creditor. As for reporting to the National Credit Reporting Agencies, most true negative activity can be reported for a maximum of seven years unless it is related to bankruptcy, then it is reportable for up to ten years. All of this information is obtainable through research. You are also entitled to one free report from each National Credit Reporting Agency each year. If any creditor lists you, or changes the information filed, then you are entitled to another free report for review.

Now that folks see their methods, perhaps you'll be the LAST person who pays them. If everybody stopped, they'd be goners overnight. We can only hope...P.S. for the folks who have skipped to the end ... there is a post in the middle where someone apparently with Cardworks/Carson Smithfield admits openly that YOU WILL NOT BE SUED. Now he could be wrong, but it's worth the gamble.

SCUM.........LOW LIFES.......BOTTEM FEEDERS.........TYPICAL BOILER ROOM OPERATION............DOESN'T have a web site that I can find listed for Carson Smithfield.........DON'T PAY!!!!

I just received a phone call from this number. I don't usually answer unknown numbers, but I did this time -- but catch myself and quickly hung up. There was a person asking for me as I hung up. Does anyone have any idea of what business this number belongs to?

Just received a call. Who are these people?

They have called more than once, I do not recognize the number and do not answer it.