Well the biggest problem with that is if people could work with the original creditor, the account wouldn't have gone to collections in the first place.

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FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.

"CCA's employee job requirements are illiterate, uneducated, rude, imbecil, etc" This is what a guy named Sash said [color=Blue]bellow[/color]. but let me tell you something. [color=Blue]Not the employee's are the one that curse or the ones that have no ideea of how to behave[/color]....i've learned in a few years of collection all possible insults that a man/woman can say, or know. Not the collectors place you in collection, believe me... you did... [color=Blue]you did not paid the bills[/color], you did not read and respect the terms and conditions of a contract.. it is not our fault... it is all yours... and if you ever think that it is not your fault read again your [color=Blue]morgadge[/color] or cell phone contracts... and you will see for [color=Blue]your self [/color]that every single [color=Blue]explenation[/color] that a collector gave you it is true... My advice to you will be to READ any [color=Blue]Peace[/color] of paper that you receive when you purchase a new car, [color=Blue]morgadge[/color], cell phone, or any thing that you will have to sign... READ them CAREFULLY and believe me you [color=Blue]eill[/color] never end up in a collection [color=Blue]depaprtment[/color]. Katrina Stanford
SameBox Response from "NASCAR_Devil":

Wow Kat. It must be very nice to never have any bad luck and always be able to pay your bills, especially in these tough times. Maybe you would be a better collector if you weren't looking to place blame. And, you can't spell.

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I may not be normal but nobody is....

Wow...complete BS deleted - ND I'd go back to school there skippy

I am having problems with these collectors as well. If you send any mail to anybody, make sure you send it certified mail. It's indisputable and dated by the U.S. Post Office. Now, I know to do that, but how do I get them off of my report? I was on the phone with one of THEM and I refused to say who I was because they refused to tell me who they were. I asked them if they were collections and she refused to tell me. She then asked for my name so I could verify some information. Yeah right. Let me tell you everything about me but you don't want to tell me who you are. Crazy. So she told me to call back when I was more cooperative and then hung up on me. Nice.

Got a check in the mail from these guys for fifty + dollars. No letter attached explaining what the check is about just a check. My gut tells me it must be some type of fraud. Have not cashed the check as the bank cashing the check would write my drivers lic and account # on the check. Has anyone been sent a blind check from these guys before?

Got a check in the mail from these guys for fifty + dollars. No letter attached explaining what the check is about just a check. My gut tells me it must be some type of fraud. Have not cashed the check as the bank cashing the check would write my drivers lic and account # on the check. Has anyone been sent a blind check from these guys before?

i was ending my verizon contract and my phone was over two years old and broken, but i had two more months on my contract so i paid for the last two months and cancelled. After two months I received a bill for $368 for equipment charges...and when I called Verizon one person said they saw where the mistake was and i asked if they wanted my broken phone back? she said no...next i recieved a bill from CCA for $386, and now it is up to $404...it keeps going up and i keep getting calls from them all the time. i told them i dont owe anything and i will not pay...they are ruining my credit. is this legal? Linda

do they have a contact website or something

Just a few things

"Now, I know to do that, but how do I get them off of my report?"
You have to contact the credit bureaus...equifax, transunion, experidan

"I was on the phone with one of THEM and I refused to say who I was because they refused to tell me who they were. I asked them if they were collections and she refused to tell me. She then asked for my name so I could verify some information. Yeah right. Let me tell you everything about me but you don't want to tell me who you are. Crazy."

Actually that's pretty much the law. What the law states (FDCPA) is that it is against the law to tell someone else that a debt is owed. Let's say collector calls Mary and Bill answers the line. The collector can't tell Bill they are a collection company or that Mary owes a bill. This is the privacy law. Adding into this if a collection company has "collection" in the name obviously disclosing that name would imply a debt is owed...and thus they don't have to say it.

"i was ending my verizon contract and my phone was over two years old and broken, but i had two more months on my contract so i paid for the last two months and cancelled."

Do you mean cancelled or fullfilled the contract? Those are two different terms and meanings.

If you said "canceled" to the phone company I'm sorry but that's a dumb move. Why? Because they probably put down you canceled the contract and thus have to pay a early termination fee (which is usually a few hundred dollars)

"After two months I received a bill for $368 for equipment charges...and when I called Verizon one person said they saw where the mistake was and i asked if they wanted my broken phone back? she said no...next i recieved a bill from CCA for $386, and now it is up to $404...it keeps going up and i keep getting calls from them all the time. i told them i dont owe anything and i will not pay...they are ruining my credit. is this legal? Linda"

It depends what the phone company said. If the phone company said you owe a bill chances are you do. But you can pay that $386 and just go direct to the phone company. If your contract was fulfilled and not renewed then this wouldn't be owed.

Enter Your Samebox Message:

I am experiencing the same fraudulent activity on my credit report from Collection Company of America, CCA, Collecto, Inc. This company opperates under many alias' which is illegal, and violates state laws, as well as FDCPA. You can file a complaint with the FDCPA, then with the Secretary of State in all states they do business. You can file a case in either state or federal court. You will get further in federal, and probably awared more in damages. You cannot collect on both, you have to pick one or the other. I am suing in the form of a counter claim, but if they dismiss my case in chief, I can then re-file in Federal Court, and that is ideal. These people need to be stopped, they continue to get around the system by filing many trade names, and buying bad debt in bulk. Make them validate the debt in writing. make them prove you owe them, and dont let them intimidate you...the burden is on them. Log everything, keep notes, do your research on them.

I just received a letter in the Mail from an EOS CCA for a debt to AT&T Mobility for $123.76 for an account that was closed over two years ago and paid in full at the time. This debt is fraudulent and how do I resolve this?

Do you have anything from AT&T that shows the account as paid in full? Sending the CA a copy of that would be the easiest way to resolve the matter.

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Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]

I was deployed and AT&t was supposed to put a hold on my account insted thet sold it to CCA now its on my credit report is there any thing I can do nothing is working