Internet's first get-out-of-debt community - 145,000 members

DangerGirl · Posted: Fri Sep 07, 2007 12:53 pm Subject:

I really didn't mean to complain. I have taken full responsibility for the debt that I have, and am working it out. I just had a question about my rights, because I was unclear. All better now. Smile

INSIDER · Posted: Sun Sep 16, 2007 1:47 pm Subject: TIRED OF THIS

Look, JPF along with any other collection agency in this country is just doing what was assigned to be done when people dont pay there debts. Some would say, just suck it up and deal with the fact that its time to make ammence with you financial obligations. They are just doing there jobs! Just as you would get up every mornning and get ready to pull you'r 40 for the week. You and only you have put yourself in the financial state that you are in. Why get online and cirtisize people just like you and me who are just doing there job? Opinions are one thing, but slander is another!

INSIDER · Posted: Sun Sep 16, 2007 1:55 pm Subject:

Please dont misunderstand my statment. I just get a bit fed up with some of the things people say about collections. I do not have perfect credit by any means. But, I do know first hand that The Law Office of John P Frye is only doing what is set forth by there client. They are seeking to resolve the debt as quickly as poosiable. Unfortunately, once you defaulted in your payments with Household, JPF is not obligated to honor payments again. It, being your account in now in a prelegal status. Call them, they will work with you. I promise! Just because collections is there job, doesnt mean they dont have the same debts outside of work.

Posted: Sun Sep 16, 2007 2:02 pm Subject:

And please remember that the debtor does not have to deal with the collector as well. They can go straight to the source, and if they do not want their money this way, then I guess they will not get it.

thanks,
Luke

Posted: Sun Sep 16, 2007 2:13 pm Subject:

Hey INSIDER- What is "poosiable"? Also, "pre-legal" status can mean ANYTIME the account exisits prior to legal action by way of use of the prefix...this meaning even when the account is current.

I have yet to have an original creditor turn down my money....

hockeyman · Posted: Sun Sep 16, 2007 5:53 pm Subject: prelegal

I believe the term prelegal is used to describe a case that is within a week or two of filing a summons and complaint. It is at the point that they are drafting the paperwork and just counting days to receive payment before they sent their lawyers service to court to file the papers and serve you.

real life · Posted: Mon Sep 24, 2007 6:34 am Subject: you owe it

Look, it seems like everyone on here is forgetting one little fact...... you owe it! Would you try to find a way to offer your mortgage company less than you owe? Tell them that you just cannot pay? Of course not, you would be homeless. The credit card debt that you all are so persistant on playing the "victim" with is just like any other bill. You signed up for it, no one twisted your arm. You agreed, by accepting the card that you are liable for any and all fees associated with the account, and that the account could be transferred, sold or given away to anyone ... but that you were still liable. You also agreed that if you defaulted, even by one day, that they can call full balance due at that time. You signed a legally binding contract at your own will. And YES, even if the debt is unsecured, YOU CAN BE SUED. Depending on what state you are in, they can garnish your wages and put liens on your property. If you all spent the time, that you use to piss and moan over how you are being screwed, on making an effort to meet yor financial and moral obligations to your financial debt, you would not be in the spot you are in. PAY YOUR BILLS!

Posted: Mon Sep 24, 2007 6:40 am Subject:

*rolls eyes*

Ever notice the ones who keep bleating to "pay your bills" must not really read what we are saying. Makes me wonder who they are and who they work for.

Let me make it very clear in easy words that a child could understand.

Bob Collector wants Judy to pay this bill.

Judy asks Bob to give her proof this is her bill.

Bob ignores Judy.

Judy refuses to pay Bob just because he says so.

Posted: Mon Sep 24, 2007 6:41 am Subject:

Oh my is that u Pay??? Haven't seen u in a LONGGGGGGGG time dude!
Nice to see ur words of encouragement back!
Very Happy

Ang

Guest · Posted: Mon Sep 24, 2007 1:45 pm Subject: law firm

I am also dealing with the john p frye agency and yes they are requesting payment in full, i told them i will make monthly installments and they said they dont do that. They are constantly calling harassing me for the money but they wont take monthy installments so i told them that unless they do that and send me something in writing they arent getting anything from me. I want an itemized bill that shows the total amount and they say that they cant get it.Is there anything that i can do?

Posted: Mon Sep 24, 2007 3:35 pm Subject:

Yes! You send them a debt validation letter. By law you have the right to ask for that info and until they provide said proof, they can't continue to collect. If they are on your credit report you can also demand it be removed if they can't prove the debt is yours.

Posted: Mon Sep 24, 2007 4:19 pm Subject:

To ajdjfnfn, and real life.
I don't try to sue debt collectors, if they break the law I will most likely just report it to the attorney generals office for their state, as well as the FTC, and if it is a law firm/collector, I'll report it to the bar for their state. Additionally Golden Bast is correct, if a collection agency state that I owe them money, I request validation, once they provide me with the documentation that states that they have contacted the right person and they do actually own the contract/invoice and are entitled to collect on it I will be more than happy to pay them to get the account settled.
A good example of a reason to request validation is perhaps you don't remember owing anything to such and such company, or in a case that I had back in 98 (when I was 1 Cool

was a collector called my parents house looking for me about a home loan that was taken out in 95. Sorry but I was only 15 in 1995, and in no position to place my name on any legally binding agreement, let alone have a house as the collateral used for said loan. Case of mistaken identity. Would you want to pay out some 80k for something that isn't even yours?

rickc · Posted: Mon Oct 08, 2007 9:35 pm Subject: frye

This bottom feeder started harassing me after HSBC sold me out ! Gave me 20 days to come up with 25k!
Help!

Posted: Tue Oct 09, 2007 5:26 am Subject:

Rick send them a debt validation letter certified return receipt mail.There is a good one in my signature at the bottom of my post.

rickc · Posted: Tue Oct 09, 2007 8:52 pm Subject: jpf

Thanks for the letter! I know they can garnish etc lien on my property,can they force the sale of my house?
Thanks again
r

Posted: Wed Oct 10, 2007 4:15 am Subject:

They cannot do a darn thing until it goes to court and a judgment is issued. The only creditor that can force a sale on a home is the Irs or your mortgage company.They can lien home.

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