Sam's Club was the only one not willing to work with us.
Since then, our debt to them was written off (as it says in our credit report). Once the SS disability payments started, we paid what was owed to everyone that worked with us and were understanding, but in that time, the debt we owed to Sam's Club had been written off. It was only somewhere between $700-$900, not a huge debt.
As of a few months ago, we have suddenly started getting a lot of calls (recordings) from a collection agency. The recordings say something to the effect of "This is a personal business call for J**** F***. if you are J**** F*** please press 1 now" which we hang up on- if it is important, they will call us directly, not through a stupid recording. We do not have time for recordings and such. We have also been getting letters in the mail from the collection agency saying we owe something like $2000 to Sam's Club.
Today, we got a call from an actual human being, who sounded like he had no idea what he was doing. I answered the phone, they stumbled in asking for my husband ("Hello, is uh... J****.... Jr? there? I would like to speak to uh, J**** Jr" and when i asked who was calling they simply gave their name, no company or anything). I hand the phone off to him, he confirms he is who they are asking for, and they keep asking to speak to J**** Jr, and he kept trying to tell them he IS J**** Jr. The guy on the other end then hung up on him apparently. My husband then called the number back and explained to whoever answered the phone about what had just happened. he explained that our debt to Sam's Club has been written off about 5 years ago. The person from the collection's Agency (ARS Services international, I believe they said was the name of their company) kept saying no, that had not happened, and if it is as we claim, to fax them what we have saying so.
My husband then goes on to say that it was not until recently that this has been an issue, with recorded phone calls coming in constantly (sometimes multiple times a day) as well as frequent letters. The guy on the other end tried to give him some BS (I dont know what was said, as I was not on the phone... but trying to bully money out of my husband right this instant, from what i could tell) and my husband said he would bring it up with our lawyer. The guy from the collections agency asked for the lawyer's name and hone number, and when my husband went to give it to him, he suddenly changed his mind and said simply faxing... whatever... would be sufficient to stop the calls.
I just do not understand how this could have been a non-issue for 5 years and then all of the sudden, this collection agency is hounding us out of nowhere, and claiming we owe like $2000 when our debt had only been $900 at most?