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

Tiredofthem · Posted: Tue Oct 16, 2007 11:24 am Subject:

ajdjfnfn has spoken like a true debt collector. No one ever said they were trying to dodge a responsibility only that they wanted to be treated like a human being, even during a rough patch in their lives. This does not give debt collectors a right to treat people like a lower species.

Posted: Tue Oct 16, 2007 11:32 am Subject:

If a person just types random letters in their name, posting such things on a forum, then the only thing that they want is to start a flame war and in turn degrade the value/integrity of this forum. Don't respond to them, just ignore them.

hopeful · Posted: Fri Oct 19, 2007 1:43 pm Subject:

I agree in taking responsibility for our debts, but I have taken the time to speak to collectors and they for the most part have been rude. I had 3 hosptal bills that added up to 1080.00 and I paid it , I requested a letter off paid in full and never got it. due to my illness I ended up in the hospital for an extende period of time . totally for got about the issue and about 3 yrs. later got bill again for the same thing. since then alot of my stuff got put into storage and long story short i can't find the paper work. they called again and it is a different collection agency so i ask for the back up paper work cuz i had already paid this bill and wished to contact the hospitol to see why they are still charging me. and to please stop calling all hours of the night plus on WEEKENDS, the lady was rude and told me "if you paid your dam bill you would not have these calls coming to you and that they were going to sue me" I responded so sue me for my disability check!

Wouldn't you like to know · Posted: Tue Dec 04, 2007 8:38 am Subject: Re: post by ajdjfnfn

Excuse me ajdjfnfn but, has it *ever* occurred to your feeble little mind that there are indeed cases where people fall upon hard times? Such as MAJOR health problems, disability ... things beyond ANY persons control? No, you don't seem the type who would understand or sympathize with such things.

In your years of debt collection - I truly hope that you are ashamed of how many elderly, disabled, veterans who served this country when you were in DIAPERS, that you have perhaps caused the loss of their home - or even the ability to put food on the table. NOBODY deserves such treatment. Answer me this - since WHEN is it a crime to fall ill or to be poor in this country? The crime should be for debt collectors to CONTINUOUSLY HARASS low income families due to NO FAULT OF THEIR OWN.

You may be young and healthy now but in years to come, that will change. Maybe THEN you'll understand our plight - just as everyone here understands the fraudulent activities of ALL collection agencies.

Considering the fact that you were a debt collector - YOU ARE PART OF WHAT IS WRONG WITH THIS COUNTRY.

jaclka · Posted: Sun Dec 09, 2007 4:58 am Subject: Own up to your responsibility

Wouldn't you like to know, this message is to you. I am a debt collector, I collect medical debts. I deal with the 35% of people who do not pay their medical debts. I will never forget the most interesting account I have ever had in my years of collection. I had an account of a woman who owed nearly $200,000.00 in medical debts. The interesting part the woman would answer the phone, she would say, she had no credit cards, no house, no car, she would say since she did not have anything we could not get anything from her and hang. Constantly called the woman, for that is my job, she would pick up and say the same thing and hang. One day I took a different approach to the call for I was curious to know how could 1 person have a medical bill of nearly $200,000.00. She explained she had had cancer, had cancer for years, I even asked her why did she not file bankruptcy? She explained she could not afford to do so when I started asking other questions, she hung. Once a week this woman picked up the phone and we talked. Several weeks passed by and the lady did not answer the phone. One day she did and I immediately asked where she had been. She said she had been in the hospital but due to the fact she owed the hospital over 3 million dollars they sent her home. She told me she was not feeling well and I could hear it in her voice. She told me the same thing, she had nothing, she was not going to pay. In talking with her, I had discovered she was still employed. Several weeks went by and she did not pick up the phone. I never will forget the day, I called her job for she was not picking up the phone. I was told by someone at her job she died...the truth was she died shortly after our last conversation. . Do you want that to happen to you?

People need to own up to their responsibilities and stop creating excuses. I treat people with dignity and respect for that is the way I want to be treated. Although I am a debt collector, I know what it is like to be on the other side...I remember when, debt collectors would cuss at me, call me deadbeat. In being respectful of others, I go out of my way to find solutions to help create a win-win situation for the person as well as myself. I have found in my years of debt collection, I can get further by being nicer. People pay me due to me treating them with respect and dignity.

Posted: Sun Dec 09, 2007 7:51 am Subject:

A hospital will not refuse to treat someone who has a fatal condition unless it is not treatable. If they were to refuse it would be a COBRA violation for starters. If there were treatments she could have gotten it from a non-profit hospital. Where I live live there is one that has some of the best oncologists on the East coast. Including a gamma knife facility, it is uber expensive but you can fill out financial aid papers and if you qualify (pretty easy if your not making much money) they will simply write it off. But the only way they will refuse treatment is if the proposed treatment's risk out weighs the benefits with higher marginal risks of failure.

But you are right about one thing, if you treat people with respect you will be more successful. I'm sure you have far reaped the benefits from that tactic. And for choosing the high road and conducting yourself as you should (as a professional) I do applaud you, you have made the right choice.

Guest · Posted: Thu Dec 27, 2007 11:50 am Subject: John P Frye

I have been getting calls from these people about a debt that I supposedly owe. I first thought that this was either a Mortgage refinance solicitation or a scam. When they persisted in calling me, I engaged them to try to find out more. They were rather insulting in their attitudes and statements during the whole process. After multiple calls, and some inconsistent statements on their part, I have come to think that they are going after the wrong person, or they ARE a scam, since they were 'highly enthusiastic' when the term 'check by phone' was mentioned. I am going to fight this one out, I have the time, resources, and (thanks to this group) the knowledge to try to get actual and punitive damages from them.

Do not try the patience of Wizards, for you are crunchy, and good with ketchup.

gia1966 · Posted: Wed Jan 02, 2008 1:00 pm Subject: debt

I know I am responsible for all the mees I am in, but I never asked to have an autistic child myself which is the cause of my financial problems.

Make It Stop! · Posted: Fri Jan 25, 2008 2:10 pm Subject: Make them stop!!!

Ok, I've been receiving 2-3 phone calls a day from these people, and, except for 2 along the way, they are all hang up calls. They are calling for someone I have never heard of, and even though they say they will remove my number from their database, they never do. I sent them a cease and desist letter, that was received and signed for by someone in their company, but they still keep calling. What can I do to make them stop? They are calling at different times throughout the day and night, and they hang up on me when I answer about 95% of the time. I am not responsible for the debt of whoever this is, and it is completely ridiculous that they are stil harassing us.

ROBW · Posted: Thu Feb 21, 2008 4:11 pm Subject: JONH.P,FRY

i have a card account that was placed with this outfit as far trusting this firm i don't my thing is take care of your personal debt,s if you owe pay up & move for ward think twice read the fine print etc if you can use it then you can pay up when is due if don't pay don't get it end of story if a person is in trouble credit cards etc first try to work a payment plain if thats not possible then go to a cccs or you can go on line or the phone book & look under credit there are agencies that can help you out thats better then not taking action i have done it before they do work but you must be commented to do it don't let the collections office call you if they do tell them that you are with a cccs own up to it like i did some collections offices may say they don't work with cccs don't let them hose you believe me they will try it they will rest assured you need to inform them & most&foremost you need to give the collections the # to the cccs office end of story.

name not needed · Posted: Wed Mar 12, 2008 6:59 am Subject: come on people

everyone gets into a bind.. but putting the blame on a collection agency or the original creditor is the act of a coward. face the music, treat them polite, most all of the time you will get the same in return. being defensive with anyone, whether it be a collector, customer service rep., or even a judge... most likely you'll get the same right back or worse. Fix your problems, stop crying online, and pay your bills people.

maxx · Posted: Wed Mar 12, 2008 8:32 pm Subject: ca garnishments

im in trouble and i am trying to settle, frye tells me they will garnish my wages,what are the laws in ca regarding wage garnishment

Cellular · Posted: Wed Mar 12, 2008 10:32 pm Subject:

There is only one John P Frye listed in the California Bar Association and he died. He was admitted to the bar in 1937 so I am pretty sure he was not practicing lately.

When you send the Validation letter verify that he has the right to collect in California. Also he will have to go to court to get a judgement and if you fail to pay then he will have to go back to court for the garnishment order. You have time to work this out.

Also what type of debt is this and when did you make the last payment?

CA Statute of Limitation for credit card type debts is 4 years. They will try to tell you otherwise but don't believe them. This info was verified by an attorney.

Posted: Thu Mar 13, 2008 4:28 am Subject:

Posted: Thu Mar 13, 2008 5:27 am Subject: What?

John Frye?

Isn't he the guy that wrote that "Million Little Pieces" book that caused all the controversy with Oprah? You know, where he pretty much made up most of his life for a good read? Boy, Oprah was pretty ticked when she had him on the show the second time.

You don't wanna mess with "The Big O!"

Kidding.

vegore · Posted: Thu Mar 13, 2008 6:43 pm Subject: ajdjfnfn

you sound just like John P Frye whos Law firm claims he exists just one small problem ..he is not registered with the state bar , in fact there is no John P Frye listed at all with the state Bar Association and just what do mean by discuss this with what agency or Law firm that you have an account with ....like we openend up an account with Mr Frye
you sound to me like a complete degenerate who cant even hear the voice of reality NOBODY SIGNS UP TO BE HARASSED ..what part of that do you not understand you scummy debt collector...I guess that you couldnt find a real job you had to bust someone elses ass for your small minded perverse pleasure. I would put you in the class of asshole that sells child pornography or worse.

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