debt collectors My advice to anyone is try to work with first I dont ever give personal banking info over the phone this is a NO NO there is NO telling what they will do they could take someone to the cleaners I had one asking Me some personal info I told them That is none of there dam business these foks dont need to know that what ever any of you foks do DONOT send a check from your personal checking account because of the numbers on the bottom of the check use a money oder insted besure to keep records when you make a payment to the collector,s thats My advice to anyone the collector that Im dealing with had the nerve to ask Me if I owned My home My first thought how dare you to ask Me something that personal I said thats none of your business In fact nothing is none of there business they can be pushy dont let them do it stand your ground & know your rights as well to arm your self I call the debt collectors the stalkers thats the new name for them stalkers the only thing I can say is pay your bill,s if anyone is haveing trouble paying first things first try to work with your creditor,s first that would be the best thing to or anyone can get help from a credit conunseling service anyone can find it on line or the phone book or nfccc org thats My advice to anyone who needs help Ive used a credit counseling before they do work but in oder for it work you must willing to work with them that means you have to make monthly payments to your credit counseling agency office in oder for them to work on your behalf

I was sent a letter by First National Collection Bureau and they were asking for almost triple the money i owe to an old credit card about 7 years ago. it is no longer on my report but they say they are putting it back up there and debt doesn't just go away. can they do this.

Can put it back on CR: only legal if the debt was charged off less than seven years ago, then it could only remain until the seven year mark.

Debt doesn't just go away: True.

Mail the CA a DV letter.

__________________
The only people with whom you should try to get even are those who have helped you.
-John E. Southard

I have been contacted by portfolio recovery associates about a debt that isn't mine. Today I sent out a letter asking for all documents mentioned above as well as telling them to only contact me by mail.
I hear these people saying "Just pay your debt" but in this case it isn't even mine. I asked them when the debt was incurred and they told me almost 20 years ago.
So lets hear the former debt collectors defend that!

I missed a couple of payments and could not resume right away an installment agreement on an insurance subrogation payment plan. It was turned over to new collector whose first call was threatening right from the start but what was worse, the amount was double the original amount of my share of the accident claim - I stated to the agent that I disputed the amount, that he needed to verify the amount and okay, I made the mistake of saying then we could talk about any payment I would make against the real amount I may or may not owe. He sent me a "confirming letter" that day stating that I agreed to start paying $50 immediately - which was an outright lie. The next day I got a letter stating that if I did not pay the full amount of the debt, his agency would have my driver's license revoked. I sent a letter (it was before I read the advice in this website, so I didn't send it certified/registered) stating that I did not agree to anything, that I did request verification of any debt, that all future communications must be made in writing, absolutely no telephone communications would be acceptable. He continues to call with the same threats, a law firm citing this agency's name sent me a 30-day to respond re same claim amount (the wrong amount), and I got another voicemail message this morning from the threatening agent. I am preparing a new letter reconfirming my request that no more telephonic communications are allowed and attaching a copy of the earlier correspondence, but this time certified. The problem here is that legally, even though I was sitting in a parked car with engine running and someone hit me, the insurance carrier made me liable for half their insured's damages and it would take a long protracted lawsuit to prove that I was not liable at all (that's why I had settled for half the damages and had begun making payments against an installment agreement) - the bottom line, since I was uninsured at that time and it is less than 3 years since the date of that "accident," the carrier could go to court and demand the court revoke my driver's license for being an uninsured motorist at the time of the accident, even though I have been insured since then. (The funny part, the accident happened in front of my friend's house where we had a garage sale over the weekend so that I could not only renew my insurance coverage but renew my truck's registration - ain't that a kicker? One more day and I would have had insurance coverage!)

It's important to note that people have hard times, for those who say just pay your bills, it would be best to stand in someone else's shoes......how about the single moms out there whose husband just up and left????

What about those who get sick, or laid-off.

Remember, debt collectors, if told do not call your job, let them know they have no choice but to comply. If not, your states Attorney General's office will make them comply, and you have a job full of witnesses if you decide to seek damages in small claims court...you cannot sue for an fdcpa violation, only a Federal agency or an attorney can, but you can sue for harassment or defamation of character. In most states small claims is under a $100, just serve their statutory agent which must be on file with the Secretary of State for every state they collect in!

Never work with a collection agency, ever. There is no law that says that you have to. Don't even talk to them, unless you're getting their contact info to send your cease & desist. Take 'em out of he loop.

Bad advice if your debt is still w/in SOL. Your C&D gives them very few options. Law suits come to mind.

I have a $6000.00 signature loan. I am going through a bankruptcy. We are behind while we are going through the process. We put 2 30" TVs on the note. They are now sending a cout summons to appear in court,and they want to sue us for the full amount and the property. I dont even think we have one of the TVs andy more? Can they do anything.

I found this article very helpful--Your right to sue the violators of FCRA ftc.gov/os/statutes/031224fcra.pdf

I was called almost 2 weeks ago, by this collection agent, who told me that he was trying to collect the money I owed these payday loan companies, and that if I didn't comply they were going to try to get me on 4 counts of fraud. I had never once heard from these companies, and I just found out that 2 of them are out of business. I am scared to death that I am going to go to jail. I have little kids and nothing means nore to me than them. Can I be put in jail for this? When I called the local police department they told me that they couldn't say I wouldn't go to jail. I know I owe the money, and have every intention of paying it. I just want to know if on the first call that this collector made, he broke the law by telling me that I will be charged with 4 counts of fraud. Scared to death. Please help!!!!

Yes he did. You cannot be charged with a crime.

We just found out that the creditor I mentioned was representing these companies and we did a lot of research on them, the collection agency included, and we found that a couple of the companies he mentioned are no longer in business. If this creditor is representing the "out of business companies" then where is the money gong? howcome there is no information at all on this agency? and is he breaking the law by representing said companies?. I live in maine and I have read that these companies have to be licensed to loan us money up here, and that so far no internet companies are, What do I do?

BIF and PIF is exactly the same think...just different agency jargon

I received a phone call last night from Portfolio Recovery Assoc about a debt that was from 1998. I didn't acknowledge the loan of course, I told her I would have to do some investigating b/c I am not aware of any loans from 11 yrs ago. What are my rights and what advise can you all give me about this? Thanks!

Ok there is a difference in CA's as you call them 1st and 3rd. 1st is the company you originally had the debt through...and trust me their legal dept. Isn't one you want to be threatening. 3rd however is a different and hard to distingish party usually asian. They do have he fdcpa to deal with. 1st does NOT although most don't want neg publicity so they have internal rules (usually stronger than fdcpa) If you tell them you are recording or don't tell them then YOU are in violation of the law if they don't know or they tell you to stop. And just to be certain they will repeat the request several times during the call. Please people use common sense they have your SSN(all 9 digits) name, phone # address..don't get rude...if they go postal you don't want to be on their last call list. even CA's are human normally :>