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New York Couple Harassed by Creditors Trying to Collect Debt Their Dead Son Owed
Foxnews.com ^ | 1/15/2009 | Puppage

Posted on 01/15/2009 10:23:34 AM PST by Puppage

A New York couple is haunted by calls from credit agencies wanting to collect debt their dead son owed.

Roco and Laurie Crimeni's 27-year-old son Vincent collapsed and died nearly a year ago of a sudden heart attack while he was playing softball.

(Excerpt) Read more at foxnews.com ...


TOPICS: Business/Economy; US: New York
KEYWORDS:
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To: Badeye

I agree. The 27 year old probably had enough of an estate to pay off part of his debts, and his “Personal Representative” — probably a parent — isn’t about to pay those debts.


21 posted on 01/15/2009 10:34:02 AM PST by OldNavyVet (Character counts)
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To: theFIRMbss
Yeah, well, that happens. I've got to pay off the debts that my mother left.

Only true if you inherit your mother's estate.

If she has more debt than equity, you have no legal obligation for her bills, but you can't take the equity and stiff her creditors.

22 posted on 01/15/2009 10:34:15 AM PST by USS Alaska (Nuke the terrorist savages - In Honor of Standing Wolf)
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To: Puppage

A collection company was calling my home again and again asking for a particular person when I first got assigned the phone number. I finally told them the police were looking for the same guy, that he was scamming cred card companies, and I believe he went to the west coast. Never heard from them again.


23 posted on 01/15/2009 10:34:23 AM PST by theDentist (Qwerty ergo typo : I type, therefore I misspelll)
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To: Badeye
If this is true, how did the creditors end up calling them in the first place?

They pressure people in hopes that they'll settle even if they don't have to. They'll even offer a lower settlement to entice the people to pay. If the people fight it then all the collector lost was the cost of some stamps and phone calls.

24 posted on 01/15/2009 10:34:56 AM PST by antiRepublicrat ("I am a firm believer that there are not two sides to every issue..." -- Arianna Huffington)
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To: Badeye

The same way they end up calling me to collect on debts owed by deadbeats that have the same name as I do. Public records. It’s a disgrace what they’re allowed to do. I’ve had my wages garnished by California (I don’t live there mind you - it was just my name), had collections attempted by movers in Florida (never lived there) and a landlord in Oklahoma (never lived there either).

Not a week goes by that I don’t get at least one call from some collection agency.

Now they’re getting clever with recordings that tell you that by listening to the message you’re attesting to be the person they’re looking for. Debt collectors can go to hell.


25 posted on 01/15/2009 10:35:05 AM PST by Doohickey (The more cynical you become, the better off you'll be.)
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To: theFIRMbss

Unless you co-signed on the debt, you don’t owe your mother’s debts. If she left an estate, that estate must pay off any debts, but not you as an individual. The State of North Carolina tried this with me and my stepfather. They lost.


26 posted on 01/15/2009 10:36:01 AM PST by TommyDale (I) (Never forget the Republicans who voted for illegal immigrant amnesty in 2007!)
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To: Puppage
The parents have zero responsibly in the sons debt, unless they cosigned on the debt.
They need to tell these debt owners to pound sand.
27 posted on 01/15/2009 10:36:04 AM PST by svcw (Great selection of gift baskets: http://baskettastic.com/)
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To: Dixie Yooper
"They need to go after the people he was playing softball with, not the parents."

The softball manufacturers would have more money, go after them.

28 posted on 01/15/2009 10:37:27 AM PST by DannyTN
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To: theFIRMbss
The estate pays, then whats left over is inheritance.
If the son left an inheritance then the debt needs to be paid, otherwise the debt owners can drop dead.
29 posted on 01/15/2009 10:37:48 AM PST by svcw (Great selection of gift baskets: http://baskettastic.com/)
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To: Doohickey

Hmmm sounds like you are a victim of ID theft.


30 posted on 01/15/2009 10:37:50 AM PST by Badeye (There are no 'great moments' in Moderate Political History. Only losses.)
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To: rabscuttle385

If he was still living with his parents....it seems even more likely they co signed for something.


31 posted on 01/15/2009 10:38:35 AM PST by Badeye (There are no 'great moments' in Moderate Political History. Only losses.)
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To: OldNavyVet

Thats how I see it.


32 posted on 01/15/2009 10:38:58 AM PST by Badeye (There are no 'great moments' in Moderate Political History. Only losses.)
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To: antiRepublicrat

Thats a good point.


33 posted on 01/15/2009 10:39:27 AM PST by Badeye (There are no 'great moments' in Moderate Political History. Only losses.)
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To: dman4384
>You can’t bequeath debts. You can voluntarily pay someone debts who has passed. Generally the only reason this is done is so that the assets that are encumbered by the debt is freed up, or to close out probate. In this case, the poor kid had no assets

Yeah, I should have said
my mom's estate must pay off
the debts. If this kid

left no assets and
the parents didn't co-sign,
the debts are just gone . . .

34 posted on 01/15/2009 10:39:42 AM PST by theFIRMbss
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To: Doohickey

Just as you related: We’ve gotten messages (repeatedly) at home for a “Patricia J. Simpson” that recite, “By continuing to listen to this message, you acknowledge you are Patricia J. Simpson.”

What child comes up with these rules? It’s like a 7-year-old saying, at the outset of a softball game, “I get to pitch; I CALLED it.”

So you see? I’m Patricia J. Simpson, because they CALLED it.


35 posted on 01/15/2009 10:40:58 AM PST by pogo101
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To: ontap

“If someone owes money and there is no cosigner then when he dies the creditor is out of luck!”

Unpaid debt is collectable from a deceased person’s estate.


36 posted on 01/15/2009 10:41:04 AM PST by OldNavyVet (Character counts)
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To: Badeye

No. Its just the name, I can guarantee you that. They always have either have my middle name incorrect, or have my Social incorrect. Collectors (and governments) just like to Easter egg.


37 posted on 01/15/2009 10:41:14 AM PST by Doohickey (The more cynical you become, the better off you'll be.)
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To: Doohickey

Hmmmm. Having done a bit of collection work back in the late 80’s and early 90’s...seems odd to me, but you would know better about your situation than I would.


38 posted on 01/15/2009 10:45:12 AM PST by Badeye (There are no 'great moments' in Moderate Political History. Only losses.)
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To: OldNavyVet

In this case according to the parents he has none!


39 posted on 01/15/2009 10:45:12 AM PST by ontap (Just another backstabbing conservative)
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To: Badeye
re: how did the creditors end up calling them in the first place?

I've had them call the woman who was my younger son's first wife trying to get her to pay something they thought I owed. They have been divorced for 15 years. She was on her fourth marriage. She was living in a completely different county. She's had at least half-a-dozen addresses since they were divorced. Still they called her and got really abusive, threatening all sorts of bad things.

For the most part they buy the account for a reduced amount and anything over that they can collect is theirs. The person calling is on a form of commission. It's a nasty world.

40 posted on 01/15/2009 10:45:26 AM PST by jwparkerjr (God Bless America!)
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