Joker,

I admire your approaching policy If consumers are aware with their rights and familiar with debt collection rules, then no one can harass them. On the contrary, it will be a fun indeed when a collection agency would try to deceit people.

Your valuable experience is definitely going to help others. Wish to hear more from you. Keep us posted.

Now when a collection agency calls, I have fun with them. I hear them out, then tell them that i want validation of the account and that under the fdcpa laws, I am entitled to one. I'm not scared of them anymore since joining this forum and finding out how to deal with them. collection agencies do not like it when you know your rights and enforce your rights.

Some lady named jenny called me on my cell and left a voice mail 2 times already. 1-800-220-0605 ext:4446 asking for some one I don't even know. I searched the number and found this forum. I must now call these scum and harass them hahahahaha. My meds are not working for me and I'm feeling manic at the moment, so these f**ckers chose the wrong number to call. Since I have read that telling these people that they have the wrong number does not help, I figure I'll get some joy out of harassing these people. They don't seem to care about harassing people. I don't really care, I have been provoked. I decided if that f*cking b*tch called me again I would do it. She just fueled the fire. Of course I will only call from a pay phone lol. I'll do it for myself and all of the innocent people they have harassed. I have no connections to the people they want or any debts, so it really does not matter anyway hahaha lol. They should not have called a person with ocd, and bipolar type 1. I will make them regret it soooooooooo much. I don't have anything to lose, but I can gain some fond memories maybe I will record the conversations too. no better not, that can be used as evidence against me

I spoke with Nicole the other day and noticed there were pauses in our conversation. When I asked her why, she said, she was answering another call. I think she was taping the conversation without my permission. Has anyone else experienced this?

TearDrop,

I guess you are right. Please check with your state laws. Not all the states allow to record conversation without consent from both the speakers. Hope this thread would help you-

http://www.debtconsolidationcare.com...rdconvers.html

You can consult a lawyer to know if you can take any legal step against them, but the thing is you do not have much evidence in your hand

Hi Stan thank you for replying to my post. In PA where the call came from you have to inform the person you're taping it but I am in VA and it seems to be ok. Good point I don't have any evidence against and it would probably me a waste of time.
Take care

Here's my two cents. I know that here in Florida, for your own personal reasons (child custody, divorce etc), you may record a conversation on your phone without the person's permission. I believe that the telephone company can record your calls for you at your request. You must realize though that EVERY conversation will be recorded you cannot pick or choose which ones to record. There are also home devices which you can us and your state should tell you which ones are acceptable. I know you said she was recording the conversation, my point is that if you both have a record of the conversation, nothing can be misconstrued or altered CYA has always been my motto. Good Luck!

__________________
Terrell
SAHM and Scrapbook Kit Designer

Good point Terrell

One more question, if any one can respond…can any body belonging to the state that allow recording without permission, deny getting the conversation recorded? Any suggestion

i also receive those 215 calls only when i pick up, no one answers and they just hang up. to me this seems like a threatening tactic. is this normal for debt collection?
when i do talk to the agents, i try to be polite but i've found most of these agents will not hesitate to attack you on a personal level. i've had some agents start with rude and go to outright threats of being arrested and jail time.

Joe,

Fair Debt Collection Practices Act does not allow debt collectors to abuse consumers this way. They cannot be rude to you, nor can they threaten of an arrest. If they do, you can lodge complaint against them with FTC, BBB and AG's office.

Can you figure out if any of your debt could be under collection at present? Try to contact your OC and pay the amount directly to them. this will be easier for you.

I work at ACS and I talk to all sorts of people like you all everyday. I just want to make some things clear. At some point you signed a legally binding contract with a credit card company that clearly states you are to pay off your balance on time blah blah blah. You are obligated to pay off a debt for credit that one ouf our clients extended you. What possible justification do you have for not paying? Essentially you are stealing. Citibank or whoever gave you money, you promised to pay it back and didnt. You spent the creditors money and did not re-pay them, how is that not stealing? Secondly the debts that come to us have seen no payments for atleast 6 months, have been closed and charged off, and sent to us to collect. Once again, you spent the the creditors money, didnt pay it back, and you call us crooks and jerks? Third-Look it up, we have every right to collect this debt, people threaten to take me to court bla blah blah all the time, and why? Because YOU didnt pay YOUR debt to my client, you're taking ME to court? Are you joking.. When Iam told that I laugh, because I know there isnt anything you can do. Go ahead and file your class action suit, it will get you nowhere, ever. You want us to stop calling your house? Not gonna happen till the debt is paid or arrangemts are made. You can tell us to stop and you're going to sue if we dont, guess what, you cant. We can call your home all we want until the debt is taken care of, the law allows it. As far as us calling the wrong house and you say so and so isnt here or doesnt live there stop calling and we dont..Alot of you are telling the truth, but alot or lying, thats why we keep calling. The numbers we have are the numbers given on the orginal credit app by the debtor. Therefore its hard to beleive soooo many people dont live wherever anymore. Bottom line, pay your debts, and dont blame us for the fact you spend more then you can pay and are not responsible enough to make a payment for 6 months, not our fault, its clearly yours.

Adam,

We have no problem in paying you. But you have to follow fdcpa rules. Go through this page carefully.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

You are not doing anything wrong by calling us, however if you break FDCPA rules, then you might have some legal problem.

And see what Virginia-Legal-Defense is saying here-

http://www.debtconsolidationcare.com...about6798.html

Best of luck.

I spoke with someone by the name of trisha adams and ms. Banks and they were very rude to me, ms. Banks actually hung the phone up on me and told me that if I couldnt meet her exspectation she would take further legal action, when asked to speak to someone in charge she sd "I am in charge" I gt no where with them

Guest,

It is not clear from your post that the call came from your creditor or any collection agency called you. However, it seems that a CA called you on behalf of your bank. In that case, you can ask them to validate the debt first. Send them DV letter through CMRRR. debt validation is very important in debt collection.

You can also speak to original creditor and check if they can help you in settling the debt directly with them.

ACS started calling me last week. The woman that calls claims to be with their leagal department. She says if i don't pay $2384.00 within 2 days she will have my wages garnished!

What should i do??

You need to send them a debt validation letter. They need to prove that they can collect this account from you. That should hold them off about 30 days I believe. But also, I don't know if I am right or not, but I thought only a bank could garnish your wages? Somebody wanna help me out on that one?

__________________
Terrell
SAHM and Scrapbook Kit Designer