Internet's first get-out-of-debt community - 134,000 members

Janet · Posted: Mon Dec 18, 2006 8:30 am Subject:

Please tell me what color my hair is and how tall I am. I need to know if you took my picture on my good side. This is what ...... me off is the bull that you guys put on here. You let people come on here personally threatning peoples lives etc. These are the types of people we deal with daily yet you think we are to hard on people. If someone uses a bad words you guys jump all over them. But when they threaten lives its ok. I thought you guys were supposed to be helpful and try to help people get out of debt and trouble. But now we are looking at more serious crimes than fraud etc. And by the way if you know were we are come and visit us we'll invite the police and we'll see who is a crook and who isn't

Charline · Posted: Mon Dec 18, 2006 8:31 am Subject:

I appreciate your comments and agree wholeheartedly.

Charline · Posted: Mon Dec 18, 2006 8:33 am Subject:

SUEBEEHONEY70, my post above should have read
'Thank you', not 'That you'.

Posted: Mon Dec 18, 2006 12:03 pm Subject:

I kinda like "That you", Char. Sort of Buster Poindexter-ish. All you need is a zoot suit. Wanna borrow mine? Very Happy

I agree that threats that include physical harm are stepping OUT of the bounds of debate and into the bounds of criminal. If you feel the actions of a company are improper, contact your local Attorney General for assistance. You have rights spelled out in the Debt Collection laws (there are separate laws for the US and Canada, though that have many similarities). IF the collector is not following them, get your AG involved.

Also, use the tools here to help you get the documentation you need. You can find letters that you can send requesting proof of debt.

http://www.debtconsolidationcare.com/letters/

Both countries laws are identical when it comes to debt validation:

http://www.debtconsolidationcare.com/letters/

If you do not get a debt verification letter mailed to you house, showing the creditor and the amount you owe, DO NOT SEND ONE PENNY.

Would you not agree Janet and Charline?

Charline · Posted: Mon Dec 18, 2006 12:19 pm Subject:

Jedi, I like you - truly I do.
Most, and I mean that, of these people do not need to have anything validated. They know full well that they owe for an unpaid 'whatever'. I most certainly do agree if you do not recall (?) owing for an unpaid debt - yes request validation.
You know the truth of the matter Jedi, even when provided with validation - most that requested it still don't pay. Sad, but true.

Posted: Mon Dec 18, 2006 12:29 pm Subject:

I understand. But if you wouldn't mind, could you answer this simple question, Charline:

Is it not the law of the US and Canada that the debt collector must send proof of debt when requested? Whether or not they know about it, and even if it is a delaying tactic - a debt collector must send this proof via mail.

Am I correct?

Charline · Posted: Mon Dec 18, 2006 1:04 pm Subject:

I won't play this game with you Jedi.

Posted: Mon Dec 18, 2006 1:08 pm Subject:

What game? I simply asked if it is not the law of Canada and the US that a debt collector has to send out debt verification letters.

Don't worry - I don't plan on applying your answer to your company.

Charline · Posted: Mon Dec 18, 2006 2:13 pm Subject:

This is my answer Jedi, and has nothing to do with the Law Office or any other collection company (whether it be legal or otherwise) If recovery companies spent all their time sending validation letters to people that know full well they have an outstanding debt only to have them not pay anyway - they'd be out of business. Jedi I respect what you're doing here and I respect the fact that you yourself claim to have had a situation with the Law Office. I can't fix what you claim happened to you, nor can I explain why it happened if indeed it did. I know how things operate here, and some of the stories just don't seem to fit. I find much of this correspondance extremely frustrating. Jedi, most (and I mean - almost every single one) of the people that are contacted (again - by any recovery type companies) are fully aware of the debt in question, why should they be sent yet another bill? It's not like they didn't get calls, invoices, ebills - they got them all, and now they would like just one more to get them to pay?
I think I'm just as angry as you are Jedi, but for totally oposite reasons. There are two sides to every coin - you and I are the head and the tail. You pick which one you'd like to be - it matters not to me.

Posted: Mon Dec 18, 2006 2:37 pm Subject:

Charline - I am honestly not trying to use a sneaky way to trap you. But the law states that the collection company has to send a debt verification letter if requested. But once is plenty. I am sure some people keep requesting, and that is wrong. When they are sent one, they know what they owe and should pay it. Let's also face facts - collection agencies get money for their recovery skills - they will not go broke. Because in time, with proper documentation, the validation letters will stop and other actions will occur and be justified. But as I said - proper documentation. The first call cannot be threats of jail and court. There are many collection agencies on this forum that use just that (Bass and Assoc. comes to mind).

My simple fact is some people DON'T know why they are being contacted. I am sure some fees get associated to a collection. I think, with those attached fees, people may NOT be able to associate the debt with the creditor. And since the company calling is not the original creditor, a debtor is confused. If I owe Bob's Service, but then MMM Collection Agency calls asking for money but doesn't tell me that it's for Bob, I'm lost and confused. Also - with all the scams going around in the world (I mean that in a general statement, Charline - not against you or your company), it helps to know that this CA has been retained by this creditor. A debt letter helps prove this.

I agree we can both get angry. It is truly wrong when a debtor has their info in front of them and makes an attempt to get out of it all. You were provided a service - you need to pay for that service. As long as the fee is reasonable. And on the flip side, a collection agency needs to be understanding but firm and work with a debtor to recover the monies.

How's that sound, Charline? Did I hit both sides of the coin? I hope so - I really want you and I to come together on SOMETHING. Smile

And like I said - my story is water under the bridge.

Charline · Posted: Mon Dec 18, 2006 2:40 pm Subject:

I figured you'd give me the tail! You wouldn't have been the first to call me an @$$!
LOL

this site is still here. · Posted: Mon Dec 18, 2006 3:26 pm Subject:

you people claim to be doing all of this investigating work and you are so called going to ruin people. Im assuming if this law firm or collections agency is calling you, at some point you didn't pay the bill why don't you take the same time that you spend supposedly taking pictures and use it to pay the bill or hand out resumes if you don't have the money to get a job and pay the bill. and how many days would it take to take pictures??? and why would you need a source. its simple you get a camera and take pictures i dont' think you need more than one day and i don't think you need a source to complete that simple task..if you do i think these people calling you should be the last thing your worried about. BETTER yet if you are going to show up at the office why don't you just go do it and stop talking about it what are you waiting for an invitation. in addition TAKING THE FIGHT if you claim to have so much money now why would mr sergent have to make arrangements. just pay wateva you owe and move on. My last question to you is what are you planning to do even if you can put name to the face?? how are you going to ruin them? this site has been up for like 1 year and nothing has been done. i had a bill i paid it i wasn't happy with dealing with these people cause they weren't nice they were rude but i paid and now im done. and for the people that are responding at 10pm on sat nites (ex. JEDIJEFF) i don't know if your state is different than mine but c'mon shudn't you be on dates or out with friends instead of sitting in front of the computer researching what your going to say to janet and charlin.. a little pathetic but too each his own.

Posted: Mon Dec 18, 2006 4:33 pm Subject:

I love the shout out. Again - if you can't debate someone with relevant, thought out information, just hit them with a personal attack.

I find it humorous you got all bent out of shape on me. I'm not out $2000 for a phony debt.And I doubt you are either.

If you want to discuss this "site is still here", please try and keep in professional and drop the personal crap. Otherwise, I am sure you have some calls to make.