First question, before I begin a long story: What is a time barred debt? Now on to the story.
Ok, here goes. Back in 1994-5, I had in gym in my hometown. The final electric bill was like $17 and some odd cents. So I just sorta forgot about it, and never heard much. in 2001-3, I seperated from my wife, lost my job, took all the debt because she couldn't handle money and was on disabilty, and then went through a somewhat expensive divorce. During this time, the electric company sent me bill for the gym. But I was rather preoccupied with everything gong on around me, and didn't pay it.
After I was back on my feet a little better, I was going to pay it, but couldn't find the bill. I called the electric company, and they said it was sent to collections.
Anyways, the past couple months I started getting a phone call every once in awhile, and when I googled the number it came out for JBC legal group. I contacted them and it was for the electric bill.
When I spoke to the the electric compnay they told me that their collections company was in Reading, PA IIRC. Not sure on the city, as it was a few months ago.But the name was not JBC legal group. But no other collection company has sent me a collections letter for it. And I reliaze that agencies sometimes buy debts for collection purposes.
However when I googled the group I found out they are a very shady group. I don't really want to send money to a group that doesn't even legitmately own the debt.
But today they left a message saying that they are making a reccomadation and wanted to know if a voluntary restituion would be made as they have secured the services of a lawyer in my county. SO what are my options here? I think I should find the actual company and pay it, and then deal with these scam artists, but what is my time frame here? Days, hours, weeks? And who would hire a lawyer for $17??
Here are some links:
JBC vs. WV
from ripoff report.com:
JBC Legal Group well-known nationwide scam to collect false uncollectable debts
Another story about them trying to collect debts for the lon defunct Ames department stores.