i have been reading some of these comments by a lot of folks and to be honest with you i was scared to call RJM. i called the n umber that was provided by on of the bloggers 800-541-0824 and the phone was asnswered by one Michelle Gaffner at ext 2042.
my situation was similar to many of you. i had an old account with Compass Bank that i closed in 2005. RJM at in 2006 purchased said account and began to try an dcollect from me. my situation gets a little more complicated due to the fact that i'm trying to close on my house by next month.
i was told by the rep that owed $250 but could give me a 70% discount and ashe would be able to give me aletter showing that this account had been satisfied. because of the ime issue and only because of it i accepted the terms and told her i would pay. i then asked her how i could later dispute this at a later time and she told me i could not. i mentioned how unfair it was that i had to pay for something that i was not responsible for but because of my unique circumstances i had no choice.
To my surprise Michelle offered me to place a dispute on the account, it would then be closed and marked as settled and i would not have to pay anything. i told her that i would like to do that and if she could send me a letter stating that it had been disputed and dismissed, she said they don't have a letter saying that. but if i paid , she wouldd send me a receipt shwoing paid in full. Remember i'm closing on a house by the end of this month.
this would not give me enough time to wait for that to clear credit report and close on time. so i offered her $50 on this account and she accepted.
i hope my story helps out some folks. just dispute it with RJM and they may just dismiss, with account satified.