About collection agencies

giving hope to the hopeless,help to the helpless,and hap to the hapless , and crap to the crapless give em that enema paul keep it up good angel

Thank you,This is a well info about fdcpa

Tell him that's just too damn bad. Nothing in any law requires you to accept calls from this idiot. You said your cell (that he keeps calling) is your work number? Then tell him that it's your work phone, and his calls are endangering your continued employment. Inform him that he can either stop calling it, or find himself on the receiving end of a lawsuit for FDCPA violations. Put that in writing, CMRRR. If he persists, sue. It's the only language he seems to understand.


Big problem there, my friend. What part of 'payment by money order only' did you have trouble with? Send him a money order. He can either like it, or pound sand. I don't care which, and neither should you. And I'd mail it to him, CMRRR, to arrive by noon Friday if possible. Going to his office in person is borrowing trouble.


Anywhere from 20-30 days to several months, depending on the coiurt and jurisdiction. Regardless, it ain't an overnight process.

don't llie on a recorded call...that's dumb... Best way to handle a collection call is honesty and reasonableness.

Also, you can pay your account any way you like. Mail in a check, MO, post-dated check by phone, whatever... A couple of things though: 1) yes, collectors want check by phone, but honestly it's probably the most secure method of payment; 2) please also consider that collection calls WILL continue until the NDA is paid off and the account is brought current, the only way a CA can guarentee payment is with a check by phone (trust me, a PTP via snail mail is worthless from someone who hasn't paid in 6 months) if you wanna stop the calls, pay their way. If a payment is on file and postdated, agents won't call you in the meantime. This is NOT the case with any other method of payment.

Cheers!

Agreed. It's a damn shame there are so many unreasonable people out there, though. This is why we counsel folks who come here looking for help to just hang up when the collector on the other end becomes rude, menacing, or shrill. I'm sure you agree that nobody oughtta have to put up with that. Fortunately, there are laws in place to see to it that nobody does.


Actually, it's not. And we both know that, don't we? Never mind what they teach you in collections training.


There are about a thousand ways to shut off the collection calls, friend. Starting with simply turning the ringer off, and progressing from there.


Sadly, in all too many cases, that's because they've already run the payment through, regardless of the agreed-upon date. I've seen it happen again and again.


Back at you, and happy holidays.

I was in the middle of discovery and pretrial i sent the laywer a ceertified copy of my answer ( not all his intterogoties) plus a 2 page letter to validate my depth. The trial was suppose to be in 2/23 . I guess he didn't like my answer he filed ang a final judgement agains me for failure to answer his intterogoties. Can he get away with me not getting a trial never mind the pretrial.

Ron

do you have proof of this? did you file anything with the courts?

If you deal with Zwicker and associates for debt collection; get a lawyer. We just got a judgement against them, they are slime buckets and liars. We counter sued them and they settled; they had no choice because they lied.
Don't forget this advice.

Can a collection agency continue to charge interest if the amount was charged off by the OC? My account was charged off at $526 from the OC, but now the collection agency is charging me $875 saying that it has accumulated interests and that they will continue to charge interest until the balance is paid off. I live in Illinois, is the legal? Please help I'm very confused and do not know what to do. Thank you.

As far as I've read they are able to charge you interest but there is a limit on that, for California its 10%. Check the limit for your state.

I received a collections letter today (Mar '10) from NCO Financial for my CapOne account. I was only "late" by one month (but I made a partial pymt). They jacked my rate from 7.9% to 23.15% for two late payments (Dec '08 because I lost the bill - paid right away when they called) and (Apr '09 was late by 3 days; when I called in they said if I paid my rate wouldn't go up, but of course it did). I am not even sure what my terms were (how many times and how many days to be late for the rate to go up), but a "change" that was effective May '09 (AFTER the 2nd late was made) said it would go up if two payments were 3 or more days late. The reps I spoke w/at Cap One gave me different answers, like it had to be at least 4 or 5 days late. Wasn't a big deal, as it was on a small balance. But in Feb '10, the 23.15% applied to my entire balance (over $7k), which included a balance transfer that was at 0% for 18 mos. My questions are: 1) Can they legally send me to collections when I am less than 60 days "late"? I made a partial payment in Feb '10 ($30) as I was on disability for 3 mos. My min. pymt had jumped from $130 to $220/mo. ($155 = interest). I told them I could not afford that and they need to bring the rate down. They put me on a hardship, told me there wouldn't be late fees for 3 mos., told me I could still use my card (which I haven't used for well over a year anyway), and would give me $100 credit if I got the account current. Next thing I know, I have $0 credit available and I'm in Collections!!! What a bunch of liars! 2) Can I ask them to validate the 23.15% interest rate? I asked them to send proof of the terms of my account when it made the jump, but what they sent had nothing to do with those terms. I HATE Capital One! 3) Should I ask the CA to validate or prove the debt (as suggested in prior posts)? 4) Will I be able to negotiate with the CA? 5) Will it at least drop the interest from 23% to 10% (I read here that's the max in CA)? By the way, the collection letter was dated 6 days before my next payment was due. I made a payment (again, partial) a few days ago online, apparently AFTER the debt was turned over to the CA. So apparently they (Cap One)will still accept my payments? Should I remove my bank info from my CC acct? Where does the payment I just made go?

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--advertising with a number is against the TOS--

please.there is a thread regarding preferred,and it is not complimentary.so blow your horn somewhere else.

There is a petition to help stop these monsters-

www.petitiononline.com/nwchange/petition.html

Please SIGN and pass on. Everyday too many people are having their rights violated and their due process taken away. These reporting companies and the bureaus have a hand in controling your personal destiny and quality of life with their constant misreporting. The FDCPA and FCRA are not enough!! There is no way to enforce it and by the time you have time to act on anything many times the damage is already done (denial of credit, education, home, insurance...ect)

The only way we can ever change things is to step up and force this issue to our government reps-

SIGN!

Just want to know why their is a petition called for them? Are they really abusive?

My friend just retained an attorney today and he is suing Zwicker for several different violations. First of all, a Rep discussed his account with me and I am just a friend. My friend's attorney said that it's just a matter of time before they are shut down.