I have had it with these collectors. Had it with the threats, had it with the intimidation. Just last week I had made it clear that I would no longer authorize EFT from my account from ANY creditor. The days of paying these fools with access to my account are over. I received a call today from Mann Bracken. From the get go I let him know that I was not accepting any "arrangement" that required the release of my checking account. I asked for a payment address... And guess what! They gave me one! I will be paying $100 a month. To this address:

Mann Bracken
9930 Kincey Ave.
Floor No. 3
Huntersville, NC 28078

I am sending out EFT revocation letters to any and all debt collectors I have had. Yes I have many, but the bottom line is this. No more access to my checking account. They are required to provide an address, if they don't to bad. If they continue to take funds out of my account, it will be regarded as fraud. Now how to put this into a EFT Revocation letter... Anyone have suggestions?

What a joke!!!! I made arrrangements to settle for two debts my husband and I owed. The very next day, they were calling me again. I called my contact who said everything was taken care of and to disregard the calls. The calls stopped for a while. The next thing I know they're calling me again. I answered the phone because I recognized the number. They asked me how much money I could give them today and told them absolutely nothing because I had settled with them. The lady then told me that they had received a payment, but the balance was still due. I argued with her for a while....Don't they make notes on the files? Don't they know what their other branches are doing? Obviously not!!! I told her that I would call the contact I'd been dealing with to get this straightened out. When I called him, I basically played dumb and asked him if he'd received our payments and if the debt had been paid according to the terms we agreed on. He said yes everything was in order. Then I told him I had received the phone call. He said not to worry (yeah, right) that I would receive a settlement letter via fax by Monday. Guess what? They're calling me again. My court date is tomorrow, so I called my contact back again and told him I needed something in writing NOW. I have called the court and our cases are still on the docket. He said I will get something today.

We'll see what happens with that!!! I am going to have my husband go to court tomorrow regardless. My contact at Mann Bracken said this wasn't necessary, but why take chances??? If they try to get us to sign anything, that's out of the question. I'll take it to a judge if I have to.

They don't know what they're doing and it scares me.

Just remember if you have to deal with this company, get names, extensions, letters or whatever else you can to back up ANY agreements made with them.

In my state, for those of you that don't know this, when you go to court for a civil suit, you don't even see a judge. You're there with 150 other people. The lawyers appear and start calling out the names they have on their list and talk to each one. THERE IS NO JUDGE IN THE COURTROOM!!!! I was afraid what would happen when I got the summons. Who knew they wouldn't arrest me right there???

So many people are going through this same process. I was amazed at how many were in court when I appeared on another issue.

Hopefully this will help someone.....Sorry to be so long winded, but what a story!!! We'll see how it ends tomorrow.

Mann Bracken can f off! They are rude and don't give a shit about you and your family. They froze my bank account on a debt that was 7 years old but at the time i accurred the debt I was single. The past 6 years I've been married and had two boys. So with that debt in the back of my mind I was trying to take care of my family and put food on the table. When they froze my bank account the next day my parents helped me out and we paid them their money. They had their money the next day after freezing my account via western union. I had to go three weeks with out use of my checking account. After calling everyday and not getting any straight forward answers of why my account had not been unfrozen. I ended up having to call the judge's secretary and they finally got my bank account unfrozen. Mann Bracken is very very rude and I think that anybody who works for them and has family should quit and tell them to f off! They should not be allowed to put kids at risk of going hungry because of their parents mistakes.

Mann Bracken calls my home for someone that doesn't live here. What is their problem?

Go to State Attorney of NY Cuomo's web page to see the class action filed in supreme court against these fools, and others.

I don't think they can garnish anything, they are not the original lenders.

I don't think they can garnish anything, they are not the original lenders.

Completely untrue.

__________________
FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.

I'm the same as most of you. Have been trying to settle an account since 2007, now 2009. I called to settle and they no longer have my case, in fact, no one does. So even if I wanted to settle now I can't. They gave me a 1800 817 3214 number and they could not give me a straight answer. Anyone know's who might be handling this. I reside in FL.

I started working with them in their so called California office, Suddenly everything switched to an East coast Office, you try to return the calls and no one answers, leave a message and no one calls back. Then they keep calling you. Writing letters is also waste of time except it shows you tried to contact them. They don't reply and change names of people every other day. Watch them. Shell game is pretty much what they are. And very good at threats to you verbal. they should be put out of business in all states for their conduct.

I first got a letter via Fed Ex over a year ago from Eskanos & Adler concerning a credit card debt. I consulted this wonderful forum for help as I was terrified. They had sent the info. to the Arbitration Forum. I filled out the proper forms, sent everything to the collectors & the forum via certified, return receipt mail.(I asked for & received verification of the debt but also asked that they cease & desist further contact). I asked for a "stay" until the agency provided me with the proper paperwork that I was the owner of the debt. They sent paperwork but the middle name on the account is wrong & they refuse to provide a SS#. Don't you have to provide a SS# when you apply for a credit card? There is more than one person with my name. Since they have my middle name wrong & I don't recall the debt (I think it was 2001 or 2002) & they won't give me the SS# on the account, am I still liable? I hadn't heard from them in months & then last week I got a letter from the Arbitration Forum that I had until the NEXT day to respond to the credit collector's request to re-open the case. I immediately sent the forum (via fax due to the time restriction) a letter that I am still awaiting the requested info. from Mann & Bracken. What do you think they will do now? What should I do? I live in Fl. & they have an office in this state so they are surely licensed here. I'm not sending them a dime until I know the debt is mine. Can I wait & demand they provide the SS# the account was opened under? Why don't these agencies send info. certified mail so there is proof you received it?

How can your wages be garnished if the name on the account is wrong & they won't supply you with a SS#? These people don't have my phone #, thank God!

Twice this week I received calls from Mann Bracken. Each time I answered and said "hello...hello" and no one answered. I then hung up. Anyway to make a long story short. I've been reading all the posts here and now I'm getting a bit concenred. I've been unemployed since February and before I end up homeless, I've decided to move back to my home State of ILlinois to live with relatives. I currently live in Nevada. Because of being unemployed, I have totally fallen behind on every single bill that I have. I constantly am getting phone calls from collection agencies. I don't know if and when I will get a job and I keep telling these creditors this and that I have no money to spare. SOme are nice, others are not. I don't even know which debt this Mann Bracken is calling about. I have never even received any kind of letter from them.

I am now seriously considering filing for bankruptcy because even if I do get a job, I am so far behind, that I will never catch up. I, too, was enrolled in a debt relief program but when I lost my job, I had to terminate my enrollment in the program.


Two things concern me:

How can they freeze your bank account? They would have to have you account number, right?

Second, they can't garnish my unemployment, can they?

If someone can help me with answers to these questions, I would greatly appreciate it.

hall county has put into law what they call OPERATION CLEAN SWEEP and part of the law say`s it shall be unlawful to place abandon, leave, keep or store junk and salvage material, including non-functioning motor vehicles equipment or parts thereof, out of doors upon any public or private land . definition of an inoperable motor vehicle is one wich cannot be driven upon public streets for reasons including but not limited to being unlicensed, wrecked, abandoned in a state of disrepair, or incapable of being moved under its own power. what it boils down to is if i have an old car thats going take a while to fix they don`t want it on my property really they took away the right the 14 admemment gave us on top of that in this time when people don`t have money they wan`t to wast taxpayers money by sending county marshall to make sure you do what they tell you to like germany during ww11. whats the use of fighting for our freedom if our county commishers takes them away is there any I can fight it . i`ve email our gov , lt gov even our commishers help i don`t my rights taken away.

I owe American Express just over 13k, I was paying the minimum and trying to stay afloat when they raised my interest rate. I called and tried to reason with them and ask that they work with me so I had some hope of paying them off in a reasonable amount of time. They refused. I ended up going with a debt settlement company who told me to stop paying or they would not negotiate with me or them. It is now roughly 6 months since I started this process and now Mann Bracken has started harassing me, they call me at home, on my cell, at work and now I find out they have even contacted friends. I have no idea how these people even connected me to my friends or how they obtained their number. I have faxed and will be mailing them a letter asking them to prove to me that they are licensed and been hired by AX to collect this debt. According to my debt settlement company AX will now not work with them to negotiate a settlement so I need to handle this myself. Problem is I have no clue where to start. If I had the money I would have paid it and never gone down this path. I am trying to avoid filing bankruptcy but I really don't know what to do. I live in Florida can anyone give me some advise?

Yvonb: What exactly is your debt settlement company doing for you then?

Send Bracken a do not contact letter.