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#17
07-27-2007, 06:29 PM
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sympathizer, I for one really appreciate your advice. I am, however, confused as to why the collectors that work there refuse to abide by the fdcpa. Surely, since they work for attorneys, they must be aware of the law and what they must or must not do. When someone requested validation, and send a Cease and Desist, the collector at this company told them that "we are not a collection agency, we are a law firm, and so we dont haev to abide by cease and desist letters...."
This is wrong. The FDCPA clearly defines the term "debt collector" as it applies to the law, and any attorney's office which engages in debt collection work falls under the definition. You may wish to speak to the person you know that works there, to make sure that they are not themselves breaking this law. Just food for thought, and again, we welcome your posts! 
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#19
07-31-2007, 10:52 AM
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truth
unfortunately lady bug you might wont do more research having worked in collections for 15 years there is no law that states they have to send a validation letter the only way they would be breaking the law at all would be if they dont send a letter and they continue to attempt to collect a debt from you sending validation would be required if they wanted to continue to collect the debt having worked for cach previously your probably wont receive letter nor another phone call from the law firm if you just trying to avoid debt then your doing fine but if you trying to fix your credit your going to do more damage then good
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#21
07-31-2007, 02:04 PM
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rannefeld
if your not trying to beat the debt then your just wasting time because ultimately you want to fix your credit if you are worried about proof of who owns the file and really want to pay then you need to cll let them know you have the funds to pay and want a sif letter faxed if they really own the file then they will send you an offer of settlement in writing that day no atty would put his ability to practive law for any amount of money not with cach but if you want proof ask for sif offer letter which should include they name of creditor you owe which is legally binding
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#22
07-31-2007, 03:31 PM
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defamation of character
your are going to want to watch what you acuse a lawyer of because since you have published material that would be damaging to a person character and cause them loss whether monetary or not you better hope you have a recording of your statements because chances are the law firm does and you probably have made things worse by publishing statements that arent 100% true I have made a living suing people just like you who make statements and generally chance the wording to what they want to hear will soon find thmselves in court for demation of a collectors character by giving and publishing false and damaging statements if I would you I would retain myself a lawyer you probably will be in court soon due to your publishing collectors name such as you did previously with ken chandler
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#23
07-31-2007, 05:23 PM
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Well procollect what I accused them of was straight from Mr. Budd Hibbs mouth who knows more about them then you probably do. So I think you better check your sources out before you give anyone advice on anything. Well if Ken Chandler is such a straight up guy why would he ignore a cease and desist order and leave me tape recorded threatening voicemails. I would be happy to see him in court. I think they do enough damage to their collectors image by them ignoring the federal laws that are in place to protect debtors, but oh that's right you should know all about that, right? Tell me that!!!!!!!!!
ladybug
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#25
08-01-2007, 04:03 AM
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Suing someone for an opinion left on a internet board is very difficult and I am sure that everyone knows that truth is a absolute defense to any suit based on harm to someone's name.I wish you great luck in that.No one has stopped Bud Hibb's yet and his comments are hundreds of times worse than this forum.
__________________
Cajunbulldog Keeping an eye out for consumers. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 http://www.ftc.gov/os/statutes/fcrajump.shtm http://www.debtconsolidationcare.com.../about216.html Use this letter to protect your rights under the FDCPA myfairdebt.com & myfaircredit.com-Good source of case law in forums.
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#26
08-01-2007, 04:59 AM
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palooza, why come in here and tell lies?
Where in the world did you ever get the notion that requesting validation is only a good tactic for those who try to avoid debt? Who lied to you? Look, let me spell this out so you can cut the BS here--stop making excuses about validation. Period. The law requires you to provide validation if it is requested, if you intend to continue on the account. I dont care what you think about the reason behind the request, the fact is that there are several good, legitimate reasons why that request can and should be made. Here's a thought--why dont collectors follow the law to begin with and supply the proper information to consumers? I bet you didnt think of that one, did you....you see, if CA's actually did what the law says and provide the consumer with the information without all the hassle, they would actually see faster results from people who want to pay but need proof of the debt, their right to collect it, the amount, etc etc etc. Lets try something--I have asked this question of every smarta$$ collector that has come around here recently, and not one of you wanted to touch it. Suppose I called you one day, and said "you owe me $5000...." What would your first reaction be? Chances are, it would be "what for?" Just because someone calls you up and says you owe them money, that doesnt automatically make it true. And in this day and age, where someone's identity is stolen every FOUR SECONDS, who in the hell wouldnt be right for trying to get all the facts before sending a complete stranger money?? Look--you need to stop with the CA propaganda already. Requesting validation IN NO WAY damages your credit. You need to stop lying in here or find another forum to hang out on. Also, about your second post, you obviously refuse to be honest about your industry. Let's face facts here.... 1--how does requesting a SIF letter prove the things that a validation does? IT DOESNT. All that does is prompt the CA to send a settlement amount that they will accept. At that point, they are just getting money, with NO PROOF that they even have the right to collect the debt! A SIF does not prove that the debt is real, nor does it prove that the amount owed was properly calculated. And GET REAL--there have been HUNDREDS of cases, if not thousands, where CA's are trying to collect from the wrong person, or the debt is fake altogether. All a SIF will do in that case is make an innocent person pay for a debt that they dont legitimately owe! So, it should include the original creditor--so what? I can pull up your credit report right now, see what debts you have on it, and then call you up claiming that I just bought a debt from one of your creditors....it happens all the time! Why do you think that a law exists which requires you to prove certain things about your claim? Heres a hint--laws are written most often to stop a practice that everyone has become aware of. That law was written because collectors like you were pushing people to pay debts they didnt even owe, and pushing others to pay them money they had no legal right to collect! And the truth shall set you free.... 2--about lawyers...first off, you people have this nasty habit of often pretending to be lawyers when you arent--illegal. So, if you are one of these fake lawyers, you dont have to stake your lawyer reputation on it, do you? Not to mention, there are plenty of lawyers that have been caught doing that exact same thing. The community you work for relies on ignorance by the public....lawyers make their entire living based on that same concept. Thanks for playing, but not even close.
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#27
08-01-2007, 01:38 PM
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rannefeld
you might wont to do some more research cease and desist allows for one final call and from your previous statements you havent stated you receive more calls after the last call which is authorized by the fdcpa so leaving a msg after cease and desist is not breaking the law get your facts straight.
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#28
08-01-2007, 02:09 PM
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Why don't you leave this alone since you don't have a clue as to what went on. You obviously think you know all of the answers. It makes one wonder why you are even trolling on these boards. Your life must be pretty boring. Why don't you go somewhere else where people might appreciate your opinions.
ladybug P.S. I do know the laws thank you very much having been a legal assistant for an attorney.
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#29
08-08-2007, 01:18 PM
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Rannefeld & Assoc
OMG! I am now dealing with these a$$holes! They called me out of the blue yesterday (anyone ever talk to a Michael Rose?) saying that I owed money to them for a card i have never had. the guy was extremely rude, threatening, etc. He called me back again today and left a vm saying that he had given me 24 hours and if I don't cal him today, he will proceed.
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#30
08-08-2007, 03:55 PM
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OMG procollect, thanks for the laughs. You have sued people!? I find it hard to believe that you are implying you are an attorney. How did you get your JD with that atrocious spelling and grammar? Yeah good luck suing people on this board for demation, oh you mean defamation. Yeah good luck with that junior. Actually you should sue yourself because you have already defamed yourself with your posts.
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#32
08-09-2007, 05:18 AM
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:lol: :lol:
__________________
Cajunbulldog Keeping an eye out for consumers. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 http://www.ftc.gov/os/statutes/fcrajump.shtm http://www.debtconsolidationcare.com.../about216.html Use this letter to protect your rights under the FDCPA myfairdebt.com & myfaircredit.com-Good source of case law in forums.
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