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morozov50 · Posted: Fri Aug 03, 2007 6:01 pm Subject: Joseph Mann & Creed

Hey,

Any help would be appreciative. I had in the past some online uncollectable gambling debts. (just looking for advice not ethical/moral advice) I had some checks that nsf'd to an online gambling site. They turned me over to Joseph Mann & Creed. Now after MUCH MUCH studying i have the knowledge that these debts are uncollectable. I have sent them the debt validation letter that stated all correspondence must be done in writing. I received another call today (did not answer got a voicemail) from them telling me they received my letter and they can verify the debts and I must call back so we can work this out voluntarily. I have logged this call and saved the message on my voicemail for further legal action if they get out of control. What should I do now... should I send a follow up letter regarding the debt validation and remind them they can only speak in writing to me and that no further collection attempts can be made until they validate the debt, should I answer the call, or should I just ignore the calls right now and continue to log each call. Thank you all in advance and I appreciate all your help here.

Posted: Fri Aug 03, 2007 6:39 pm Subject:

Yes,
Send a follow up letter emphazing no contact except my mail. Tell them there will be no further attempt to collect until you recieve debt validation via mail. Not phone, you need it in writing for sure.
good luck!!

Posted: Sat Aug 04, 2007 5:31 am Subject:

Hi

You can also send a Cease and Desist letter to the collection agency asking them to cease all contact with you. After receiving such notice, a CA can only contact you in writing stating their future actions. Usually a CA will either say that they will stop contacting you or will notify you that they are taking legal actions against you.

Posted: Sat Aug 04, 2007 5:53 am Subject:

morozov - welcome to the forums!

No one will make moral/ethical judgements on you here - we've all had problems financially, be it with payday lenders, collection agencies, or in your situation, online gambling. One problem is not "worse" than the others - they all lead to financial difficulty and can require the help and advice of others to resolve them! Smile

Can I ask a question though? What has led you to believe these debts are uncollectible? Just curious - if you can post that information, it might help our membership offer you advice that is tailored to your particular situation.

Smile

morozov50 · Posted: Sat Aug 04, 2007 7:18 am Subject: JMC

In the state of Pennsylvania gambling debts are uneforceable by state law. It is lined out in the Unlawful internet gambling act of 2006. So gambling debts that are online directly to a online csino or through a third party processer are uncollectable. Even third party processors that process transactions for csino's are in voilation of the act. An example case was a case where IGMpay was processing ach checks for Party Pker. IGMpay tried to sue for nsf money etc. The case was thrown out as they were a processor for online gambling (even though they were not a gambling establishment themselves)

Posted: Sat Aug 04, 2007 8:25 am Subject:

I understand now. Have you spoken to an attorney about this collection activity? If the collection asgency is violating your state law, at the very least, you should report them to your state's Attorney General and see what their take is on it.

Is it possible that they are collecting based on the NSF checks, and not based on the fact that these are gambling debts? I'm not well-versed in the issue of online gambling debts, but it seems to me that perhaps the collection agency may be trying to collect based on the NSF checks, not on the gambling debt itself.

I'm sure another one of our members will come along and post more helpful information - keep watching! Smile

there for you always · Posted: Sun Aug 05, 2007 1:11 am Subject:

You definitely need to send a follow up letter to jmc--with an express mail--signature required upon delivery attempt-- (signature proof of receipt)--cost approx $15 --(simple certified letters they will decline to accept) this is because they can!!!!!!! And are bucking the fdcpa system in as many ways as they know how!!!!And know that if they accept it-- is only one more debt they legally cant harrass people about--they will repeatedly tell you they haven't received any response and keep acting like you haven't sent anything to them--they will eventually send you a statement--of what you supposedley owe and give you a certain amount of time to pay in full--this will be their first actual correspondense you have received in writing from them-even tho they will state in conversations that they have sent once or twice or three times already--hang up on them if they try and talk to you verbally--send everything they send you to your state attorney general-- and to the federal trade commission--do not attempt to be nice because they will turn around and try and make you feel guilty (because you originally tried to cooperate with their illegal actions) and subsequently became upset or absolutely rude after the way they treated you!! Don't feel ashamed or embarrassed! These peops are not getting a dime!!!!!!!!If they cross the line in attempts to collect illegal debt--they loose big time and then some please do more research and be confident that info you already have is correct! Jmc hires liars!!Should be their new slogan because it is actually the truth!!!!!!!!!!!Jmc tries to collect illegal on line gambling debts and therefore are at the bottom of the rung on the collections ladder
--they are the scum scimming--do not be intimidated by this company--report their actions!!!And their employee actions!!Doesn't take a rocket scientist to realize that they lose on internet gambling collections--can't believe they are still trying to collect!!! Please contact me for class l.s. currently being prosessed against this co>!!!

sue their asses!!!!!! · Posted: Sun Aug 05, 2007 1:57 am Subject:

sue any company who attempts to collect on line illegal internet gambling collection--you will come out way ahead!!!!!!!!!believe me!!don't pay anything instead sue for the way they treat you trying to collect---i know you will come out way ahead becuz none opf them will treat you right they all will be forced to pay more than what you think you might owe!!!imaGINE THAT FOR A minute if ya will whoopiE!!!!on the idiots still trying to be rude and collect!!!!hhhhhhhhhhhhhhaaaaaaaaaaaaaaahhhhhhhhhh!!!crazy people!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

JMC? reality · Posted: Sun Aug 05, 2007 2:05 am Subject:

if your co is actually in business of fair debt collection--think it's about time you proved it!!!you can't legally collect on gambling debts--leave these innocent people alone why don't ya??? ?I'm sure you make enough money on actual collectable debts that you don't have to act the way that you have allowed you remployees to represent your company--wow your and you guys suk to this point definiiely!!!!!hope ya all go to jail!!!!!!!!

jmc sucksss all the way · Posted: Sun Aug 05, 2007 2:17 am Subject:

jmc you all suck--and you know it--you have no policy of treating anyone with respect and i really hope you get sued big time!!! m -f-ersQ!!!!!!!

Posted: Mon Aug 06, 2007 5:06 am Subject:

Yes...they are bunch of crooks ....nothing more than that. I have heard some horrific stories about them. They flatly violate fdcpa. They will contact and disturb you family, friends, neighbors and employers. But Wait..they wont stop there!!! They go one step ahead and discuss your financial situation with them. Embarrassing isn’t it?? Fear is their No.1 weapon; they intimidate people by threatening them with dire consequences like criminal prosecution, garnishment of wages and imprisonment. Somebody PLEASE stop them

confused?amused? not!!! · Posted: Mon Aug 06, 2007 5:25 am Subject: gambling debt collectors abuse

I am confused, does this company attempt to collect on ANYTHING other than gambling debts? Not sure how they can stay business if this is the case--and if they are a reputable company--WHY would they include these ILLEGAL collections as part of their business? Any debt collectors here on this sight have an insight as to why this might happen? From what I have seen on-line--the consensus is that jmc seems to be the main on-line gambling debt collection company--how are they allowed to do this if this is an illegal activity here in the U.S.A.? It doesn't make sense--if people who process the transactions have been arrested--why aren't people who attempt to collect on these SAME transactions being arrested? They obviously know they are collecting on line gambling debts there's no sugar coating or getting around that! Any experts on this subject here? And why does everyone seem so angry against this company? Are they really that bad?( Can't understand how they could still be in business) --aren't there some sort of government watchdogs out there that people can report them to? I just managed to get my house out of foreclosure and my wife and I have had a rough 6 months due to her medical bills but all is well now!!!! and I have been surfing this site for a couple of months--this is my first post--and I really like all the info here on the site--some of it seems so confusing and contradictory though--everyone regarding my debt that I have dealt with has went out of their way to treat me with respect and has been willing to work with my wife and I-and -after seeing how terribly many people have been treated from debt collection companies--I feel blessed that there are professionals still out there who didn't make me feel worse at a time when anything could have pushed me over the edge--there is NO reason for this behavior--and a company who exhibits this type of behavior REPEATEDLY and does nothing to remedy the problem should either be forced out of business--or some day someone will simply go Postal on them--collection companies are dealing with many desperate people who are simply at the end of their rope--(the previous post kind of tells me that this particular co. has provoked extreme negative feelings more than once)If it was me--I wouldn't try and provoke any of these people--when I was desperate and owed money--I worked with people because they treated me with respect and were willing to work with me--and it ended up to be a win-win situation--does this joseph mann and creed company understand ANYTHING about treating people with the respect and dignity that they deserve? From what I have read--NOPE NOPE and then for sure a big underlined NO-WAY-JOSE!! and then some !!!!--(maybe they should consider outsourcing their employees--especially since they seem to be collecting debts from non U.S. companies!) I'm confused on a lot of collection matters--but still can't understand how these type of companies are allowed to stay in business--I mean WHY should you have to dispute a debt and demand a debt validation letter in the 1st place? Common sense tells me that BEFORE a collection company ever contacts you verbally--you should be sent a registered debt validation letter on the matter that they will be contacting you about--why don't these collection companies have to prove something BEFORE they break the laws and attempt to intimidate and humiliate? Aren't people in America innocent until they are proven guilty? If it's an on-line gambling debt--is it listed as gambling purchase on debt validation? of course not!!(from what I have read here! ) let's start doing things the right way-- Does anyone have any response to this? thanks! (Will be sending a letter to White House this eve on subject protesting the way these companies including jmc think they can do what they want and NOT follow any U.S. law regarding legal debt collection-- and hope all who read will do the same!)--just coming out of foreclosure and knowing where I have been has made me very compassionate for others in this situation--and I think I will dedicate my life to trying to help others who have been wronged by companies like the aforementioned! have much studying to do but would appreciate any input on this subject that anyone else might have Thanks! I don't know about you but I'm tired and am not gonna take it anymore!! wrong is wrong no matter what Shocked

[/u]

GOOD NELLY RESPONSE · Posted: Mon Aug 06, 2007 6:22 am Subject:

Thank you for being a good nelly---these people are definitely a bunch of crooks as you yourself stated and their threats of" criminal imprisonment"--"garnishment of wages" -and "criminal prosecution"- (are as you stated absolutely horrific--none of this will happen to anyone!)--and anyone they have made these threats to needs to come forward in forces and put this company out of business!! Let's do it and let's do it now not today or tomorrow but now darn it!!!!!!! Let's take control of the way they treat treat people and pay them back come on everybody!!Let's do it now!!!!!!!

morozov50 · Posted: Mon Aug 06, 2007 10:29 am Subject: One more suggestion

While sending them another debt validation and contact via mail only should I answer the phone and while doing nothing to incriminate myself try to provoke them to get them do some illegal stuff for suit of them. And should any calls be recorded. I thought i read somewhere there is an online service you can use to record calls.

dont worry be happy uwin · Posted: Thu Aug 09, 2007 9:51 pm Subject:

until you get proof of signed receipt of your debt dispute-(this company does everything they can not to accept your correspondence) and they will continue to insist that you haven't sent anything and that you have been uncooperative in their attempts to be amicable-- and that they have sent you many letters--then even after this company has received your dispute and someone has to sign for it--they will still act like they don't know anything about your dispute and will keep sending you invoices to "pay by a certain date" with a computer printed invoice from their company with amount you supposedly owe on it--they will say something like"this is the amount our client says you owe" and will never provide truth if it is an online gambling debt or exactly what the transactions supposedly are for--they are pros at trying to collect non-collectible gambling debts--and of course will try all their tricks to skirt around the issue--it is their business to try and deceive you into thinking you must pay or else!---don't be scared and don't cave in--and don't think you need to "provoke them into any illegal response" they do it every time they try to collect on these type of debts--don't worry about using a service to record any conversations --if you choose to speak to them--they are recording every word you have ever spoken to them without your consent--this is a fact!!!however record via pics on your phone any attempts that they make to contact you after you have proof that they have received your dispute letter--(costs them a $1,000 bucks a pop) don't forget it!!!they don't worry about breaking laws--and you shouldn't loose any sleep over their unlawful attempts at on-line internet gambling debt collections--don't worry about sending this company anything--instead CONCENTRATE on sending your correspondence to FTC state attorney general--equifax etc!!! send these agencies copies of ANY written correspondence this company sends to you regarding attempting to collect on-line gambling debt-- these are entities who will acknowledge your correspondence and be there to help you fight these crooks!!!document everything they have done and send this as well--they won't be doing this much longer--I really have a good feeling about this--don't worry be happy--u--will--win!!!

Posted: Thu Aug 09, 2007 10:49 pm Subject:

Hi guest

Yes we have to stop them!!! But we have to do it together...because united we stand n divided we fall. So lets come together n tell these crooks "ENOUGH...WE ARE AWARE OF OUR RIGHTS"

Nelly

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