I have reported them to the FTC and Florida Attorney General. I also have my lawyer investigating them and any companies they have in adition to HPC. I told them I knew the FDCPA and that pissed them off. They told me to pawn my belongings or have my mother get a pay day loan because he would have his money by 1pm or I would go to jail. It is 3:29 and no cops here and the SOB didn't get a dime from me! In my state it is illegal to persue legal action for a credit card debt over 3 years old and BTW, I paid it off in April of 2006. Jokes on them!!! lol They tried to charge me over 700 dollars. My credit card limit wasn't even that high!!!!

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Too bad you didn't have that phone call recorded, you could have taken them to court and sued them for $1,000 plus possible court costs and attorney fees for the blatant FDCPA violations.

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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.

I thought i was the only one..this is the first collection agency i've dealt with that were VERY RUDE!!!Here i am trying to exlain my situation being that i juss recently lost my job and was on unemployment..the representative ext 130 was yelling on phone saying that i was lying and was juss full of excuses...I told her to lower her voice then to be quiet..she then hung up on me...about half an hour later she called me back and tryed to scare me naming the king county court and what not...i then told her off that for a 200.00 bal how could i possibly go to jail for n it hasn't been a month nor was i contacted for this balance ever...again as i was talking she kept saying i was a liar n i couldn't take it anymore so i hung up...I was patiently trying to work a payment arrangement coz who would want to ruin their credits?? but she was juss too rude n was very agruementative...anyway, i'm doing some research about these folks i will pursue further if possible n if continue to be harrassing to customers...because of 10yrs in customer service we never treat customers like this...their's no way people would want to pay back or cooperate if this is how they treat their customers...

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In responce to above post.
Record... record... record. Record them harrasing you without them knowing and record them with informing them you are recording. Chances are they wont believe you are recording and still harass you. Sue them. Most likely the judge will dissmiss the case.
See the thing is you dont have to know the fair debt collection laws to do collections. 90% of the times they are just thrown on the phone handed a list of debtors and let loose. Result unfair practice. I cannot stress record the cnvrstion enough. They cannot say the threats did not happen if it's recorded. ( If you just tell the collector DO NOT CALL ME ON THIS NUMBER ANYMORE. By the fdc if another call is made it is harrasment)

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Mex....you might want to make sure that you're in a 1 Party state before recording calls. If you're not, then you must inform them. Also, telling a CA "DO NOT CALL ME ON THIS NUMBER ANYMORE" is not binding per the FDCPA unless they are calling you at work and it places your employment in jeopardy. Cease Communication must be in writing.

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Yes thats why i say record without knowledge and than record with knowledge. So that way your base is covered caus if you dont need to inform you have evidence and tell them and record so that way you have both bases covered.
As far as you telling them not to call. How do they know they havent called a buissness line? All a debt collectors job is is to just inform the debtor that a debt is owed (per phone call, letter. etc. etc) So if they contact you they have informedyou of such correct? So if you say hey dont call me any more on this number do you really need to be specific and give them reason to not contact on that line? NO cause they have already informed you of debt with there company correct? So from that point on wouldnt contact by that means be considered harassment? Cause obviously the phone caslls on that line are an inconvieniance to you in one way or another (work line or not) Sowhat would the means be to call that number besides to annoy you enough to hope you will pay the debt. Woldent that then be considered a form of harrassment? And therefor be a violation of the fdc?

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You're making too many assumptions with your senario. The only time it would be a violation would be if:
a) You have sent them a Cease Comm letter and they continue to call after receipt or
b) they have received a timely DV request and have not validated the debt. A timely DV would be one that was sent w/in 30 days of receiving the initial dunning letter. They have no time limit to respond but must cease all collection efforts until validation is provided.

Verbal cease comms are not binding, recorded or not, unless they are calls to your employer and it places your employment in jeopardy. Read Sec 809 of the FDCPA

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First of all i recieve a call at my job from and eric ross he was very rude to my boss stating let me speak to her .and my boss was like shes off today but i can leave her a message, and he replied no i need some type of number for her and shes like i can't give out her personal info and he was fumming mad. He said to her well let me leave u my number for her and he did so i called him and he was so freaking rude sayiny that u took out a payday loan and didnt pay it back and we need the money that u owe to us or youre going to jail with no questions ask how ever i automatically freak out and i was like dude i dont have 500.00 dollars just like that im pregnant about to deliver my baby in 2 months and go out on maternity leave, he said to me so wat we need this payment or u will be prosecuted, and i was so scared he then said well come up with 200.00 dollars by the next day and i did and he set me up with payment arrangements for the rest of it for the 397.00 for the 14th of november and now times are so hard i cant even make the 397.00 payment cause im close in my weeks to deliver my baby and ive been calling him to let him know that and he's never at his desk , cause im willing to clear up the debt but if there willing to accept 175.00 on the 14th of nov that would be great cause i cant do the whole thing.but reading all of yall testamonies really starting to wake me up about this company and they will pretty much get it when i get so people wish me luck. Cause there very rude and unprofessional.

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