John P Frye Law Office ripping me off, what can I do to get out of it?

File against them. What state are you in?

Thanks FrogPatch!

A little proofreading can really go a long, long way CollectorCorrections. I got a freakin' headache trying to read your post.

Glad Frog deleted the duplicate post, would have probably got twice the headache.

Hi everyone,

So, I have dealt with JPF in the past. I incurred some debt through a CC with HSBC. It went into default and was sold to JPF. I remember (the first time I was contacted by the was 2005 or so) that we made payment arrangements, and paid. We paid for awhile, and then some stuff got in the way... ending in divorce. To be honest, even during the debt-settling talks that my now ex-wife and I had, we never even mentioned this debt.
Then, a week or so ago, I got a call from JPF, saying we hadn't made a payment in 18 months and we had to make one this month. Well, we were both blind-sided. We thought this had been paid off (through a settlement that I thought we had made with them). Thinking on the balls of my feet, I asked them to send a letter verifying the debt. They have done so, but I am sure it is not enough to VALIDATE the debt. I think it is just verification. I think I am going to use one of the templates that I have seen on here to get the debt validated. What does everyone think?
In addition, I am getting multiple calls per day about this, and the number always shows up as (000) 000-0000, so I don't answer it, and they only leave 1 message a day. I think that I want to send a partial C & D letter, but only to make sure that the rest of the communication is in writing.
However, I do NOT want to get myself in more trouble. Would either one of these letters put my file in a different place, labeling me as difficult or "let's sue this guy right away?" I know that sounds stupid, but just curious.
I am willing to pay my debts, but because of the divorce and the fact I don't make enough money, I want to set up a payment plan. I did so in the past with JPF and never had any issues with them taking more money than agreed upon or anything.

Sorry this is so long. I honestly just want to get out of this month without making a payment (because I had already made my budget for this month and a payment that came out of nowhere for me would seriously screw me up). Like I said, I am willing to pay this debt, but honestly thought we had. (and because of the divorce, I have no freaking idea where the paperwork for this stuff would be).

Ah well, thanks for reading, and hopefully will get some responses.

Come on people this entire blog seems to be what they Law Office is doing wrong when if you would just dig up some means, some way to fix the debt they wouldn't even be calling you. Granted we all fall under hard times and right now this is a huge issue but if we all could just fi8nd a way to fix these types of accounts this country would be in much better shape. You here all this talk about toxic assets , well here you go. Fix the toxic assets, do your part, stop listening to these cheesy Attornies that are actually the world's best professional Debtors, not all of them but a good portion know how to rack up that card and let it go legally. Do that right thing you used the money , YOU SHOULD PAY IT BACK.

Yeah you are a very professional firm, Now I will go vomit. Go back to your cubicle troll from Atlantic I mean John P Frye.

http://www.roanoke.com/news/roanoke/wb/xp-10931

I am sorry but if a law firm has more than 300 employees, they are not a law firm. They are a toilet that hasn't been flushed.

http://www.wsls.com/sls/news/local/a...ervices/26688/

Yeah and not to mention all the lawsuits against the law firm for FDCPA and FCRA violations. You make it sound like people purposely are not paying their bills. If they don't have the money you can't get blood from a stone. That is why companies are insured. Nobody owes the law firm a dime. They never did business with the law firm and without proof, you can't collect.

Now go snort some more cocaine.

i delete the troll spew.by the way christina.i let your idiocy stay because i want others to see what a nimrod you are.

You people have to understand that suing a company for violation of FDCPA isn't much because the individual collector made the decision that the nice check they get is worth violating the law. Usually they are caught and if it is a serious enough offense (degrading, cursing, etc) they will be terminated. It is insane to think that this agency teaches their collectors to violate the law. While they are a CA and they do have a difficult job... they are incorporated and they have attorneys and they must cover all bases, the individual collector can be sued as well.. and they're not going to contribute to the delinquency by teaching things that are illegal. It may be rude to you, but its not illegal, it may be unsympathetic, but its not illegal, they are paid to get the money that you actually owe. You are given thirty days to dispute (fraud, etc) other than that, its cut and dry. Sometimes it sucks, but its life.

no,anyone can dispute the debt or any portion of.that's what your dunning letter says.maybe you should read it before you send it.that is if you send it.

There is so much fault in your post I don't know where to begin. 30 days cut and dry? Read the FDCPA on that.

Violating the law is the only way they can get people to pay. Threats of a lawsuit or jail is what they do. If they threaten 100 people and 98 pay but 2 sue, who is really winning? If they where a reputable law firm and collection agency, they would be out of business and not have 300+ employees.

So you need to go back to your cubicle too and snort some more cocaine.

hey hey.watch that PT.your better than that.no drug references please.

I have a Capital One Installment loan that is in default. I talked them down to 39% of the total loan and he emailed me the pay-off but for a law office why are you using a yahoo account for business. I have until the end of the month to pay in full. He said as long as I pay, no other trade line will be added and he will give me a release paid letter to send to the credit bureaus. I read on another site that I would have to file a 1099 for tax purposes but he said only if you settle with the original creditor, is this true?

I am new to this, but have the Law Offices of this clown after me, too. My father called me yesterday & said he was contacted by them b/c they could not reach me; & told him to tell me to call them. They have left me 1 message in the last 2 weeks...can they really call my parents??? I'm 28 years old, this is ridiculous!

WHAT U SHOULD BE AWARE OF IS THAT IF HSBS STILL HAD UR ACCOUNTS INTEREST AND LATE FEES WOULD BE ADDED DAY AFTER DAY AFTER DAY, THE LAW OFFICE OF FRYE DOESNT THEY PUT A FREEZE ON UR ACCT FROM ALL THAT AND GIVE U A CHANCE TO PAY AND STILL DISCOUN TUR BALANCE EVEN TO THE PRINCIPLE WHICH WAS M0NEY THAT U DID SPEND ON WHATEVER OFF THE CARD. SO LOOK AT IT LIKE THIS THEY ARE NOT THAT BAD AND IF THEY DO ALL THAT FOR U AND U STILL DONT TRY TO PAY ASAP THEN IF THEY DO SUE THEY CAN RE-IMPLY THE INTEREST RATE AND THE COURT WILL GO IN THERE FAVOR AND LOOK HOW BAD IT WOULD BE THEN, JSUT A PIECE OF MIND FOR YA, I USE TO WORK DIRECTLY W/A COLLCETION ATTORNEY SO I KNOW WHAT CAN BE DONE.

GUEAT

move along humanoids.if this wasn't a rent-a-lawyer you would be correct,but they are and your wrong.nuff said.

hey guys I have a similar story i defaulted with HSBC and they wrote it off. My credit report say it was written off and that will never change. I have John Fryes office calling who is also Atlantic it makes no sense. If i owe money to atlantic why is John Frye calling. Though the 2 are seperate businesses. There misrepresenting themselfich is illegal. They threatened to sue me, which if there not going to, thats illegal. Are they allowed to sue me legally?? Im told not to pay them because its all profit to them and it wont make it to my credit report. I found out they tried to look at my credit report which is illegal...come August staute of limitations is up on suing me so if they threaten me ill sue them for all these codes they broke...they have been sued many times and never won a case and always settled