I am a collector for Law office of John. P Frye currently and have just recently came upon this site. First thing I would like to say is John P. Frye is a man of great character and he would never allow any employee to knowingly violate the law and still be employed there. I am in no way saying that you all are not telling the truth because i am sure that sometimes someone crosses the line as in any job. But be assured a price is paid if that happens (NO more job) I am a cristian woman myself and try and see the good in everyone however i would have to say most of the people who i contact or try to contact are more interested in avoiding the bill and not living up to their resopnsibilties than anything else. A debt is an obilgation and no matter who bought it you still owe it!! Pick up the phone and live up to your word you gave when you signed for the card
Talk to the person on the phone you might be surprised they may even try and help you save some money on the account .

Another collector that can't spell!!!

My debt was purchased by Atlantic Credit & Finance, Inc. and has been placed with the The Law Office of John P. Frye. I did receive a letter from JPF for the balance of my debt for $18,661 and said if I want to settle my account I need to pay them $14,000 which I do not have. I told them I only can come up with $2000 for sure, maybe $4,000 within 7 days but they told me I need to come up with atleast $5,000 with in 4 days to hold my account. What does that mean? If not, they will contact a lawyer in my area (Hawaii) to sue me.

i just settled an account with them and they were willing to help out with balance bc they agreed hsbc puts alot of charges on that law offce doesnt agree with; but in general u legally owe the amount sent out ....so instead of hating them bc they want u to pay a bill that you owe and spent ... talk to them and listen ..... they didnt do this we did and everyone should pay their debt ! also they dont like taking payments bc they have a short amount of time with each account bc my friend was sued within 4 months with them so their trying to prevent that from happening !

i am also dealing with this law firm they are very rude and they will rip you off to

i see most of u r in debt really bad in the thousands i have a $600.00 debt this company keeps calling me and i am pretty sure that is what it is for..i don't have ne other debt..i will not return the calls till they leave a message telling me what they r calling for..

I too am a new cliet of this law office. They would not send me a confirmation of any sort on a payment arrangement. It is very frustrating what is an ordinary working person to do who don't have enough money saved to settle?

As for paying these bottom-feeders, refer to the Four 'no's' in my signature. Send them a demand for validation immediately, via CMRRR. And don't pay them one thin dime until they provide it.

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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.]

OK so if someone can please answer this question. I was contacted by them and harrassed to make a payment. They were asking for a whole payment but i was able to talk them down to a much smaller payment and now have to deal with the balance next month. However I am getting a little suspicious because I have asked them to send me a hard copy and an email with the receipt of payment and they have not done so. They keep telling me its been emailed and mailed but I have received nothing. I am worried that I have just been ripped off! Please someone tell me this is not true. My overall balance is alot so I dont want to pay the whole amount and have it go to nothing. PLEASE HELP!!!

Just got off the phone with Mr Dillman from the company, he is a character. Although annoying, he is doing his job as everyone has their strong points in life. I did not care for Sue the rep before him who hung up on me. She was supposed to make me hang up on her. She needs get a new job or become a receptionist and just answer phones. A previous rep Elizabeth had the right mind set for this economy, which is be kind and sweet and feel like you are helping someone.(You will probably have more success.)We can't all be doctors or lawyers. I wonder if there is degree you have to obtain to be a debt collector? LOL-School of hard A**. Most of them probably haven't even finished high school and if they did they didn't go any further. I don’t feel threatened by them because we have laws protect us as consumers to which they must adhere. They need to be careful not to threaten us because the fair debt collection acts supports us. There are millions of people who were affected by this economy and lawyer’s collections agents will soon feel the domino affect when they to get the boot for not being able to collect. To those collectors: see you on the other side. God bless us every one………

Wife and I are seperated 18 months wife runs up CC bills by violation court order stating no party shall incure undo debt now John Frye calling me said we are still maried ex won't pay so they are going to sue me and take money from the home equity line to pay. Sorry HE line frozen due to falling house values "try again" Now states he will get soon to be ex to use joint credit card to pay debt. Again against the court order in my state what are my options here. my social in not on any of the CC and the soon to be ex spouse plans on filing bankruptcy can they come after me?

does anyone know what the minimum amount of a balance that JPF can sue for in the state of Kansas?

They're trying to Frye me - LOL

let them sue, they cannot prove anything. Enjoy your life, dispute everything with them, and if they sue you retain a consumer rights attorney to file an FDCPA action in federal court against them. You should not lose any sleep over these clowns.

I have been receiving calls from John P Frye. They have called up to 15 x's a day, never leaving a message. When I finally answered the phone, I asked them to stop calling. He continued to call me 2 an hour every hour for 4 hours straight. I am following up with a cease and desist letter today. They have contacted the company I am dealing with who is helping me with my debt. They told them that if I do not pay by the 19th, they will sue, garnish my wages (I dont work) my husbands wages, and go after my husband. I have never been so scared in my life....I hear the phone ringing and my heart stops because I know it is them. What can I do next??

the thing is if your husband isn't connected to the debt,then they can't touch him.this is a rent-a-lawyer that loves to break the FDCPA.ask the company you are dealing with to help with your debt when exactly they said that.because if they have 30 days to sue.if not FDCPA violation.

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giving hope to the hopeless,help to the helpless,and hap to the hapless.

Dont worry, send them a letter asking them for validation of the alleged debt, and at the same time tell them to stop calling. If they dont stop calling, make sure you take pix of your caller ID, you can sue them for harassment. That is about 1000 dollars a clip for every time they call. They cant even threaten you with legal action unless they intend to do it. (Another 1000 dollars per occurance.) If you tell them not to call at dinner time and they continue to call, another 1000 dollars per occurance. They cant tell you that they will garnish your wages (against the law.) another 1000 added to your suit. The most important thing is documentation... they cant garnish your wages unless they file a law suit. Then you must be served properly If you are then you have to answer the complaint. They are banking on you not showing up. if they do attempt to get you into court, they will have to provide you with the proper validation of the debt. Validation means the origon of the debt, the signed documents that you signed when you applied for the loan or credit card, a history of the payments. (Every payment you made)A document that gives them permission to collect the alleged debt. do your research. The letter they may send you if a verification letter. That is not good enough.