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

Guest · Posted: Thu Oct 09, 2008 1:03 am Subject:

Guest, no one from this forum calls your #. Why don't you call the number back and get an address and send them a C&D letter.

Guest · Posted: Thu Oct 09, 2008 4:13 pm Subject:

i work for the law office of john frye which you all are completely bashing! i, myself, do not violate fdcpa and know for a fact that they are very strict with their policies. For those of you who feel the need to bash the company the only thing i have to say is "had you not defaulted in the first place, you would not have to deal with a LAW OFFICE" we are not some joe shmo collection agency. We have serious guidlines and serious consequences for not following them... so before you go and marr someones name, why not think about the steps that got you to that point...

Guest · Posted: Fri Oct 10, 2008 12:48 am Subject:

Guest, why don't you get a copy of the fdcpa and really study it. You are blowing smoke that nobody believes. If John Frye was not violating the law, he wouldn't be bashed.

king ghidorah · Posted: Mon Oct 13, 2008 5:25 pm Subject: defeating john p. frye

The secret: call his Mechanicsville (area code 804) office and complain to Michael Katzen. He's Frye's partner and hates this stuff.

Tell Katzen he has 48 hours to fix it or you're filing a Bar Complaint. I did this. Frye settled for $500 on a $27000 debt!

Gayle K · Posted: Wed Oct 15, 2008 8:52 am Subject: John P Frye

What a joke! These are guys hiding behind the name of John P Frye, with little training, earning mimimum wage. They get a percentage of the money collected, which is why they want it all at once. They very easily give out information on people, to anyone. Isn't that some kind of violation also?

Guest · Posted: Thu Oct 16, 2008 4:34 am Subject:

To Guest "i work for the law office of john frye which you all are completely bashing! i, myself, do not violate fdcpa and know for a fact that they are very strict with their policies. For those of you who feel the need to bash the company the only thing i have to say is "had you not defaulted in the first place, you would not have to deal with a LAW OFFICE" we are not some joe shmo collection agency. We have serious guidlines and serious consequences for not following them... so before you go and marr someones name, why not think about the steps that got you to that point... "
Then let me ask you this. I spoke with someone from JPF, told them I was working with a debt management co. They told me that they do not work with them, then proceeded to tell me that they could work out some payments and I could pay by transferring money from a credit card, borrowing from a bank, etc. I told them that 1) I have no credit cards 2) I have no funds in the bank and 3) My credit is shot right now and I can't even borrow money and have no relatives that could even loan me that type of money. I also told them that CC are the reason I'm in my current situation. I can't believe that they would ask to pay them by using another CC. The other day I got a letter from them stating the same....use a credit card to pay them.

Posted: Thu Oct 16, 2008 5:07 am Subject:

I believe, and someone correct me if I'm wrong, it is a violation of the fdcpa for a CA to request you to borrow money, or in fact incur another debt, in order to pay off a debt. I'm also reasonably certain the old request from a CA for someone to "give us a post dated check" is also illegal.

Also, I would never agree to a payment arrangement with a CA that I know I cannot afford. They will pressure to do so; however, it just causes more problems down the road when you cannot keep your agreement because you cannot afford it.

Posted: Thu Oct 16, 2008 7:00 am Subject:

Interesting, I didn't know that it was a violation for them to request you to incur another debt. I had even some of my OCs suggest that maybe I could do a balance transfer to another card in order to pay them. And I had a CA pull a copy of my credit report and tell me that my Chase card was still active and still had room to pay them with it (which wasn't true).

Guest · Posted: Thu Oct 16, 2008 5:16 pm Subject:

In the letter that I received from JPF about payment, it says, "For your convenience, we accept the following payment methods: Personal Check, Check-by-Phone, Money Order, MasterCard, Visa and Western Union."
That's what I don't understand. I have cc debt, but they want me to use a cc (if I had one) to pay them.
They made a nice offer with the debt company that I'm working with but my debt company does not do payments. The offer was nice, but I told me Debt company that if I could do it I would but can't. So far, my debt company is working and I'm happy.

Happy in Harrisonburg · Posted: Sun Oct 19, 2008 4:41 pm Subject: Take that, John P. Frye!

I did what the guy said. I called (804) 746-3296 and there are voicemail options for both Frye and Katzen. I left messages. Katzen called back.

He said he was tired of the calls but wanted to work with me. He said he could take $1200 for a $26,000 card debt if I did it in 48 hours.

So I borrowed about $500 and it is on the way. I think this is the way to go. Do not waste time or get heated up with the collectors just talk to Katzen. Katzen said Frye has no idea of what is going on and is never in the office.

The web site with this info is good, johnpfryedebtlawyer.blogspot.com and it points to collectionagencyhallofshame.blogspot.com and I liked that one too!

Guest · Posted: Mon Oct 20, 2008 4:18 am Subject:

Happy, let's see how happy you are when they either sue you or sell your account to another JDB. I would never send a CA or CA attorney any money without a written agreement. Good Luck!!

Posted: Mon Oct 20, 2008 5:07 am Subject:

That one doesn't pass the sniff test with me. $1200 on a $26,000 debt? Or did you mean $2600? Regardless, any remaining balance will likely be sold to another JDB as the Guest above stated.

TexasSue · Posted: Tue Oct 21, 2008 2:57 pm Subject: Katzen

Happy & King- Did you get any written word from Katzen that he would not re-sell the loan? Is HE legit?

nikkicola83 · Posted: Thu Nov 06, 2008 2:31 pm Subject:

I also defaulted with Household Bank and the "Law Office of John P. Frye" sent me a letter. So I called them back and they demanded I make a payment of at least half or else they are going to sue me. Well, I canot come up with half so I guess they will have to sue me. But if I don't have the money, how are they goin to get money from me when they sue? Doesn
't make sense...

Cynthia Cox · Posted: Mon Nov 24, 2008 12:23 pm Subject: John P. Frye

This is the worst and hateful people I have ever dealt with. I owe 600.00, and they wanted 400 of it on the 30th of the month. I have been sick, and won't get paid, but they could care less. She said that she would send me out a letter, and I have 5 days to pay it. The thing about is is, the bill is under my divorced name that has been 15 years ago. they are the most rudest people that I have ever dealt with.

Guest · Posted: Mon Nov 24, 2008 3:19 pm Subject:

Is the debt 15 years old? If so it is beyond SOL.

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