Internet's first get-out-of-debt community - 136,000 members

Posted: Tue Dec 18, 2007 5:18 am Subject:

@LCW! I agree with locking them out but do need to give them enough rope to hang their selves first. Laughing

guest · Posted: Thu Dec 20, 2007 2:07 pm Subject: CDC

Thank you all for this information.

I live in an area where there is another individual with my exact name (first, middle and last!). I have enough trouble with my own debts, but now this person's are being added to mine. This number has shown up on my phone several times. You have been a big help!

Posted: Thu Dec 20, 2007 6:23 pm Subject:

Hey, helping is what we do!

Posted: Thu Dec 20, 2007 6:45 pm Subject:

Disregard this message.

lawyeraz · Posted: Thu Jan 03, 2008 10:35 am Subject: whats the law

to be honest there is alot you can do about treats you can go to court if you have them on tape and file a report on them then they will have to go to court also they are not aloud to be rude or forceful i had them call my cell phone and ask for a other person on my voicemail we will see if they call back i will be waiting for this. tape recorder in all bcuz i do pay my bills and for other they are not aloud to call cell phones to collect a debt. thats a fcc law

Posted: Thu Jan 03, 2008 10:42 am Subject:

You are correct, they may not use communication mediums that incur costs to the debtor.

lawbook · Posted: Thu Jan 03, 2008 10:44 am Subject: wow

harressment is not aloud in the u.s and treats are not aloud people if you are getting these record what the people are saying take it to a judge and file a d.v. charge on the people and place they are calling you from. and they will have to go to jail let them leave a voicemail save it let a judge or police lesson to it and file a report. trust me if you live in az they will be in court soon az doesnt care as long as they have the proof of the the person calling and making the treats

gmills12 · Posted: Tue Jan 22, 2008 2:24 pm Subject: Debt collection

This is the first time that I have heard of CPC. Yes I do have a debt to pay. I have a lawyer telling me that I will be taken to court if I dont come up the the entire bill within two days. I dont have the money what should I do? I really need some advice on what I need to do?

Posted: Tue Jan 22, 2008 2:58 pm Subject:

Can you tell me a little more on who the debt is being handled by (the collection agency and the attorney"? Also what state do you live in and when did the debt first go delinquent?

Guest · Posted: Wed Jan 23, 2008 2:45 am Subject:

JCemt, I read a "DECLARATORY RULING" adopted by the FCC December 28,2007 and released on January 4, 2008. It stated that in some cases a CA can make collection calls to your cellphone. This ruling was requested by ACA International, a debt colletor association.

cbedard · Posted: Thu Feb 28, 2008 12:54 pm Subject: Central Portfolio Control

Well, this company is RIDICULOUS. First point: my phone rang at work at 2:18pm. A message was left. 2:19 my phone rings again. Same number. A message was left. SAME EXACT MESSAGE! <---idiots Second point: I am first contacted on Friday February 22nd that I need to come up with like, $2800 by the end of February. I started laughing and was explaining there was no way I could come up with that much money in a week. I am told to ask my mom or pop or a friend. I then explain if I had family who could hand out thousands of dollars in a week, I wouldn't owe anyone money. Third Point: I am told I own a $20,000 car. And that is the only thing the company I owe money to will see. (I have a car that is falling apart and has no power steering) <--- Moron Fourth Point: I am told that I will go to court and my pay check will be deducted because Im young and they can pull that money out no problem. <--are you KIDDING me???

I DO owe this debt and I offered them what I know I can afford to pay a month. (To which I was laughed at) I in turn shall answer and hang up on this guy until I get taken to court. This way when the judge looks over my paperwork, he'll understand why I can pay what I can pay. And they can go eff themselves!!

Posted: Thu Feb 28, 2008 3:16 pm Subject:

They threatened you with a lawsuit, they have 30 days to file suit before they are in violation of the fdcpa. In which point you could sue them for $1,000 in statutory damages, plus punitive damages and court costs.

robertintn · Posted: Thu Feb 28, 2008 5:17 pm Subject: central portfolio control

Michael Stoger, mn lic #20517346 Has been calling me trying to get ahold of my son. I have told him several times my son hasnt lived here in 20 years. He says my son gave them my number and I know this is not true. They looked it up from old records or something. This man refused to identify himself, cursed and laughed at me when I begged him to stop calling and that I couldnt help him. He said the only way he would stop calling was if I was to tell him how to get ahold of my son. Im not going to put my son thru this type of abuse. If I thought for a second this company would be respectful to my sons and his situation I would encourage him to call them but not with the way I was treated. The last call I tried to record, as soon as I told him I was recording the call and that the police advised me to tell them to stop calling he hung up. When I called back I got some lady that sad "well tell your deadbeat son to pay his dam bills" then she hung up. After reading this forum I will be contacting all the agencies suggested and I thank everyone for posting on this page.

Posted: Thu Feb 28, 2008 5:35 pm Subject:

Welcome to the forum robertintn, I guess you reside in TN? If so then you do not need to notify them you are recording any calls as TN is a one party state, which means that it only requires the consent of one party involved in the conversation, which would be you.

wolfstrider · Posted: Wed Mar 05, 2008 5:30 pm Subject: CPC

I just filed a complaint against these guys. One Elizebeth called and begun asking if I needed an attorny. When asked if they were taking me to court she would not reply. I took this this a threat. When asked for a supervisor she refused to get one. I will now file a complaint in MN. Where can you find the recording laws for your state? I'd love to get these debators on recording.

Second, I never said I would't pay them. I told the orginal holder of the loan I would pay. They need to give me more time and reduce the penalty fees. They did neither. A 1.5k debt jumped to 3k.

I asked the collector how much they bought the debt for i.e .25 on the dollor she claims they didn't buy it that they are working for the original lender. Pretty sure that is BS since the lende shows it as Charge off.

Last someone in here said that this hurts your credit rating. The sad thing is since this charge off I've been offered other credit cards, approved for refi to safe my house. The effects of credit card charge offs are so minor its almost funny.

courtney833 · Posted: Sat Jun 21, 2008 11:41 pm Subject:

who does cpc collect for? I can't seem to get anyone on the phone when i call back and they don't leave any detailed messages. they've been calling for weeks. i call back, leave messages letting them know what time i am there with no responses

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

Internet's first get-out-of-debt community - 136,000 members

Central Portfolio control

Members Area

Free Debt Counseling

Ask the community

Also See

Featured Discussions

Featured Articles

Recent Forum Discussions

Recent Blog Post