Why is this h0m0 allowed to post here and harass people.

This guy is probably in debt himself, a crossdresser and lives in his moms basement. He likes looking at little kids and comes here while dressed as Hitler to make people feel smaller than he is.

Man I wish I could meet him........ For about 5 minutes.......

What an a$$.......

Hope something horribly wrong happens to you and your entire family.

I am eagerly looking for work and fould Collect America was offering a job. I wanted to do a little research on the company and all I found was this website with all your horrific comments on the company. Thank you for saving me the time from applying to this sh*ty company

My mother put my name and social security number down on a credit app. So I would have the use of her card. Unfortunitly, I never had the card to use. She eventually fell behind on payments and the charges snowballed, sending the account to collections. Now they are garnishing from my paycheck to pay the bill I am affraid to file fraud because I do not want to send my own mother to jail for her huge mistake. What can I do?

Jenna,

Perhaps your mother signed for a voluntary wage assignment. You can verify it from the papers provided by your creditor. You can cancel this by sending them a revocation letter.

You have not mentioned in your post whether your mother is capable of paying her bills or she is dependent on you. Anyway, you have few options in your hand-

Contact the collection agency and ask them to stop taking money from your paycheck. Ask them to validate the debt and then make suitable payment arrangements.

Or, you can contact with your creditor directly and inquire if they can accept the payments. Don't forget to make written agreement before paying to your creditor or collector.

If you feel the whole process very complicated and troublesome, consolidate it. credit card debt consolidation is a good option and brings lost of benefits in your way.

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

I am in need! I have been trying for two days to talk to someone, but I just have to keep leaving messages. Does anyone know of an email address?

Cattie,

You can search with BBB for their email address. You can also considering sending snail mail. Always use certified mail with return receipt requested.

We are currently being threatened by these individuals who apparently don't do their homework. I am an accountant and when I asked for all of the legal proof not a spec was provided, just more harrassing phone calls. Harrassment only works for collectors that have only intimidation going for them and not any proof. Collect America lacks professionalism by all means.

Rose

It's good to see that you are standing your ground and asking for validation before dishing out cash for something you're not fully aware of. Since you have asked for validation, and are only receiving harassing calls, have you thought about making a complaint and taking it further?

Regards-
Mike

I just recently was served court papers saying that CACV was suing me for a debt that happened 3 years ago. I never heard from the original creditor about this debt. I recently pulled my credit report and found Collect America on it. A couple of weeks later I received phone calls from a law office saying that they were representing CACV and that they demanded payment in full. I was not able to take the phone calls from them due to medical problems, so my fiancee contacted them on my behalf. This law firm was rude and they demanded the payment of 1500.oo, plus interest, plus their attorney's fee. My fiancee explained the situation, which was that at this time all I could do was to make monthly payments to them because I was not working due to my medical condition. They refused. They said that why don't I borrow the money from family/friends. I told them that I didn't want to do that, that I would make payments. I just filed my answer at the court. It was very hard, since this was my first time doing that. I just think that if they want to collect a debt they should be willing to work with the debtor instead of insulting them. I know that I owe this debt and was willing to give them monthly payments but they are not willing to work with me at all. I'm waiting know to see when I get my court date and have to face these lawyers.

Hi bluespeed

I am sorry to hear about your situation. The accounts get transferred from one CA to another. You should deal with only that company that holds your account info. When a CA asks for a payment, the details of the debt account should be given in writing. This is called debt validation and the collectors are bound to follow it.

You can work out arrangements with the original creditor after explaining these problems. They will perhaps, pull the account from the CA hired for the purpose.

Collect America has the rights to report in your credit file only if it has a legitimate purpose. They must not hit your file with negative information unless they have your info. If they were not authorized for this collection, you can dispute with the bureaus and get the item removed from your file.

They pulled my husband's credit and now claim to have no idea who we are (we filed a complaint with the BBB). We have no delinquent accounts, nor have we EVER had a delinquent account.

They are a bunch of jokers.

bully for you,and your perfect credit, but let me say this, hope and pray that you never loose you wonderful job and are forced to feed your family with your credit card until you get another one. It is so easy to judge people and write them off. Your must be one of the blessed for whom nothing goes wrong. Very few of us are driving around in escalades, very few of us get to go on vacations, put braces on our kids teeth, or even just have expendable emergency cash. And just remember this if it were not for us the dreggs of society, racking up all this dept YOU WOULD NOT HAVE a JOB. I hope that you never have the suffocating feeling of being so far in dept that your children have no lunch money, your husband is in dispair, and you wonder if one day he is going to snap and end it all for all of us. When people like you call and treat us like the scum of the earth and give us no way out, thats when weak people snap. So anyway you carry on looking down from on high but remember you could so easily be inthe same position and be receiving a phone call from some just as hard assed as you seem to be.

My husband and I worked out a "settlement" agreement with Mrs. Johnson at Collect America. I was to make two payments of a certain amount and then we would be settled. After I made the first payment, I called and talked with Mr. Truesdale and was told that Mrs. Johnson no longer worked there and never had the authority to make a settlement agreement and that all I had done was make a payment toward my account. Don't they record these conversations. Isn't that their problem if their employee makes arrangements with someone and they decide that person is not authorized to do so or fires them?

Fedup, you have sent your payment under the company name. Did you check whether it was posted towards your account?

omg, can not believe what I am reading. I got lawsuit paperwork that I confirmed with the prothonotary at our local courthouse. It could take a long time for this to come up. In the mean time I sent them a debt validation letter.

cacv took agreed on a specific amount to settle a $9900 credit card. I paid them $4500 of this and now they are suing for 19.494. I am suing them for breach of contract. Contact your fair debt attorney in your state before you pay a penny. They are scum!