Rannefeld & Associates; CACH LLC

Good for you Lawsuit. I am glad that someone got them.

ladybug

Who are you talking about who did you sue and for the record my firm has never had a case make it to court for violating any laws we have a zero tolerance for those type of things and also company doing very well dont have us need to look in the mirror its a dirty job but as they say someone has to do it and if your a religious person you would know that every thing we do is in the view of the creator dont thou shalt not owe any man been in busines 15 no fines yet so dont think all collectors are same just like all debtors arent the same you have some that just dont pay then those that are always trying to fine a loophole to the debt they created

Caps lock removed - Mike

Procollect-How do you "fine a loophole"?

Why all the capital letters? Bigger letters do not intimidate us.

Thats your problem lemons you seem to think everything is a threat i used big letters probably because of block still that i learned while in the military for 15 years

Caps lock removed - Mike

Procollect...I am really trying to help here- How about some punctuation? Periods, etc. That would make your posts so much easier to read.

Thanks

Volleyballmom you're right

Ok ladybug this is procollect I have now taken your advise and yes I will be giving good advise on how to deal with debts and things to do to make the process easier and less confrontational.

Well everyone here appreciates that, I for one do. There is nothing worse then to get off on the wrong foot. Please advise me or us what we should do when a debt won't be validated, and you aren't really sure that what they say that you owe is a legitimate amount. I can't seem to get them to send me any kind of validation whatsoever and it is very frustrating.

I am not saying that this debt is not legally owed I just want to make sure that they actually own this debt and how did they come up with these outrageus fees. And why did they all of a sudden state that they were representing a firm I had never even heard from. That is what is making me mad and then calling me and harassing me and bringing things up that are on my credit report that has nothing to do with this supposed debt.

People can work together be it a debt collector and a debtor as long as there is honest communication between the two.

ladybug

I also would like to know these questions! How can a 4,000 write off suddenly become 9,400?? I have ALL documentation on the actual amount owed to credit card. So now CACH buys it and it jumps up almost double. How does that happen? I have also NEVER heard from them but one time that "I" called them!
THanks for any advice u may be able to give to help me understand this better,
Ang

Okk...well if you wish to give advice then please be sure to give correct advice. The Cease and Desist law is -federal-, which means all states respect it.

Besides, no one here just blindly follows the advice posted, they follow it because those here have researched this subject and quote the actual laws and codes of both federal and state.

It is a fact that everything you mentioned in earlier posts is completely against the fdcpa and FCRA and various state level codes. It's in black and white. What you described are -all- violations, no matter how you look at it.

I was the one who brought up the issue of a verbal c&d or dispute. In writing is federal. Verbal is controlled by case law depending on what court district you reside in.

To answer the question on How can a 4,000 write off suddenly become 9,400 you might want to ask them if any attorney fees, or court cost have been added also if your file has an interest rate because if so the balance will probably keep increasing generally per the terms of the original contract or agreement

I had a dealing with this firm earlier this year and a collector by the name of Steve Norman, who was very professional, courteous and helpful. He got me the documentation I requested, negotiated a very fair settlement and made sure I received a settlement letter from the law firm. My credit bureau has even been updated. NOW I'm dealing with some a$$hole named Mike Rose at this same firm on another matter and they tell me they never had any employee by the name of Steve Norman, which I know is false. I talked to him many times at the same phone number this guy calls from. I told them I would pay this small bill if I could deal with Mr. Norman, but noooo. Hell will freeze over before I pay this Rose character. He's mean and coughs in the phone / my ear. I hope he croaks! Grrrr

Procollect said: "Thats your problem lemons you seem to think everything is a threat i used big letters probably because of block still that i learned while in the military for 15 years". End Quote.

I served alot of time in the military, and if I turned out to be some jackass collector, my old platoon would have whooped my ass. How about showing us your patriotism by not harassing your fellow citizens. You should be ashamed of yourself.

cajun bulldog you need to edit anthony lemons last post due to content keep professional