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 Posted: Sun Dec 18, 2005 6:35 pm Subject: before you point your finger..... |
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if the speed limit is 55mph, raise your hand if you actual drive 55mph or less. ok, since nobody raised their hand, i will ask this - you break the law every day by driving over the speed limit, does that mean you should be punished for it?
food for thought.
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CollectorMatt
Joined: 07 Dec 2005
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| Posted: Wed Dec 21, 2005 9:12 pm Subject: |
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I know what you mean! Here we are, the collectors, under pressure to follow the laws to the letter as most of us already do, but there is a catch-22. Credit card apps and loan apps are legally binding contracts and debtors who are referred to collections are in breach of contract. We call them on it and more often than not get called every name except the ones on our birth certificates. Then in come the cease comms if we don't massage them and blow sunshine up their asses. Now who is breaking the law!
Not that I have no compassion or open mindedness, but the scenario I just wrote rings true of about 80% of all collections debtors. The other 20%, most of whom are members here, I do empathize with.
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JediMistressAri
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| Posted: Wed Jan 04, 2006 10:38 am Subject: |
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These people have made an agreement and then break it, and it is the collector they blame and then try to wriggle out of the debt.
In 99% of the cases i deal with - the debt is valid and real, and yet although they know that - they still want all the validation letters etc just wasting mmore time and evading payment that bit longer.
Be adult, take responsibility and deal with the debt, don't try to get out of by blaming the collector.
But if they behave badly toward you - use the consumer protection you have.
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Another Collector
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| Posted: Wed Jan 04, 2006 10:56 am Subject: |
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| Quote: | | they still want all the validation letters etc just wasting mmore time |
__"Another collector"_
You might see it as a waste of time but it is legally ours to request, and as a collection agency, you have to provide it as requested. Its not a case of trying to get out of paying a debt. Its about making sure everything is legal and that we agree with everything before voluntarily forking over money.
I mean, what do you say about an account/accounts that everytime you ask for validation, suddenly the collection agency gets quiet, you don't hear anything else from them...then several months later, another collection agency has the account. You go through the same song and dance with them. You ask them for validation, silence, several months later, you're hearing from another different agency. Who's wasting time here now? I am not disputing the debt or trying to get out of the debt, I just want to make sure everything is what I agree with, since its been passed through so many hands, how do I know everything as is what I originally agreed to?
being open and honest here,
shirley
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imkimssister
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| Posted: Wed Jan 04, 2006 11:25 am Subject: |
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Shirley,
A validation letter does not contain any useful information concerning the accuracy of an account. Also, some agencies view it as a threat as a means of communication and don't take kindly to it. Especially a letter that is obviously copied from another source. Why do you keep sending the same letter??? You can waste all the $4.42 certified postage you want. As you stated in your above write-up, we both know, it never goes away.
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| Posted: Wed Jan 04, 2006 11:39 am Subject: |
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TravisTrittFan,
'Voluntarily forking over money'??
How is it voluntary when you have made an agreement and not paid it, you are obligated to pay back what you have borrowed morally if nothing else.
And in terms of collectors going silent, if their paperwork in not in order after a debtor has dragged it out for ages by non-payment is that fair? no - but they have to take it on the chin.
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Another Collector
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| Posted: Wed Jan 04, 2006 12:10 pm Subject: |
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| Quote: | | 'Voluntarily forking over money'?? |
Okay, maybe bad choice of words.
I meant that in a way, that I would gladly pay and not give anyone a hard time about money I know I owe. I know lots of debtors give CAs a hard time and they have to go through the whole 'its not mine', when debtor knows good and well it is. I simply meant that I wasn't out to give CA a hard time and would be easy to work with.
You're right, if the debt is legit, then its the debtors responsibility to do the right thing and pay what they know they owe. But how it is wrong to ask for proper paperwork along the lines of coming to a happy settlement between collector and debtor?
If you look back through all my post from when I first joined this forum, you will see that I have ALWAYS stated that I am a responsible person and am in no way trying to get out of paying my debts. I think the people here know me as this from reading my posts. I had some bad luck come my way but I haven't used that as a 'woe is me'...no, I have kept plugging because I believe in paying my bills. alot of my stuff went into 'charge offs' but every month I continue to pay on them until they will soon be out of the way.
I have actually approached original creditors and collection agencies over my debts and started payment agreements on my own because I am honest and responsible and know that these debts are mine. I only ask for validation on the accounts that I'm not sure of. I work very well with collection agencies.
so, maybe that was a poor choice of words. but I do know that CA have to fight with people over money that they know they owe and I was just saying, no fight here. just asking for proof on a couple of accounts. show it to me--I will start payment arrangements from there.
I have a question for you concerning an account that I would love to hear your imput on. actually would love to hear what any collector has to say about it.
If you're game, let me know and I will post the situation.
shirley
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imkimssister
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| Posted: Wed Jan 04, 2006 12:47 pm Subject: |
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Different type of laws you speak of...
The speed is set by the city. We go over the speed limit, we get caught, we get ticketed, we then have to appear in court, and either pay it or pleed not guilty. In the meantime, our insurance goes up, etc, etc, etc.
Now...when the "bad" collectors start breaking federal laws, it becomes more difficult. Because they pick up and leave. Like scardy cats....they run and hide to a new location. It's very hard when collection agencies refuse to provide any information about themself, or validate the debt (as many will pay, but are only getting threats via phone).
You're obviously on this forum for a reason. You googled your companies name, and this forum pops up.
We've already caught Taylor James & Associates pretending to be the client saying that they're getting paid...when it was Taylor James himself. It just keeps getting stickier and stickier with these collection agencies trying to pull fast ones. You can't trust anyone!
Regards-
Mike
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Teleport
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| Posted: Wed Jan 04, 2006 1:12 pm Subject: |
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Another Collector
| Quote: | | In 99% of the cases i deal with - the debt is valid and real, and yet although they know that |
When you are assured that the debt is real, you should not mind giving the validation details. It is the consumer's money that is getting wasted on the certified mail. But we still want to do it because we want to make sure that we are paying to a legitimate company holding our debt. If you are not willing to give the requested details, there is a reason to doubt.
Don't give a chance to blame the collector and give the details when requested. We want to take responsibility of our debt but things become complex when some collection agencies are not interested to co-operate with us. This is a general situation and I am not pinpointing anyone specifically.
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david
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| Posted: Wed Jan 04, 2006 1:19 pm Subject: |
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Mike,
Your recent post on this board was as good as the Lion's season this year. Who is Taylor James?? Who are you attempting to catch??
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| Posted: Wed Jan 04, 2006 1:25 pm Subject: |
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The debt validation letter is our way of making agencies verify they actually have the debt. The debt validation letter comes straight off the FTC site. It does very often happen that the CA doesn't have the account and trying to make a quick buck. I feel if you legally have the debt, you should have no problem validating it with all information requested.
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NotsoLucky
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| Posted: Wed Jan 04, 2006 2:00 pm Subject: |
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Settle Up
| Quote: | | Who are you trying to catch? |
Just the bad guys!
I'm also trying to make a point. While Taylor James pretended to be the lendor who hired Taylor James, it ended up being Taylor James & Associates. That means only one thing, that someone from Taylor James & Associates is pretending to be someone else. They're already in enough trouble as it is harassing consumers and refusing to validate a debt.
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Teleport
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| Posted: Wed Jan 04, 2006 2:21 pm Subject: |
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settle up
Curiosity has bitten me and I am just assuming that you work for their company. Is that so? Don't mind telling it here. If the company is good enough, you should be proud of working with them and say it openly. 
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david
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| Posted: Wed Jan 04, 2006 3:07 pm Subject: |
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David,
I do not work for them. Quite frankly, it is the first time I have ever heard their name.
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david
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| Posted: Wed Jan 04, 2006 3:28 pm Subject: |
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| Quote: | | And in terms of collectors going silent, if their paperwork in not in order after a debtor has dragged it out for ages by non-payment is that fair? no - but they have to take it on the chin |
Sorry, but if I respond the same day I get the collection agencies original letter--which it says that by law I can do and have 30 days to do so....and I respond to them right away, how is it my fault that it gets dragged out for ages and goes from agency to agency? If they had their paperwork in line in the first place then it wouldn't have come to this. so the way I see it, its their own fault.
Me asking for paper work that they obviously can't produce, doesn't mean that I've done something wrong.
just my thought.
And just another thought-why does a collection agency obtain a debt if they can't produce the paperwork, they ought to know that if, by law, the debtor asks for validation, they're screwed. why would they waste their money taking a chance like that?
Shirley
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imkimssister
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