[Sassnlucy]

Amen to that, Anthony. It is getting old already. If you have nothing to hide, then register with the site instead of posting as a guest so you can stay anonymous.

looking forward to the lawyers answers, Cajun....
Guest---where do you get your info from? You seem so sure of your answers. I am new here, but I am not sure about you being a reliable source of info. When someone hides behind walls and talks, well..............

I'd sure love to know what comments I've made that you consider "dumbass" comments. I've been nothing but cordial, so these personal attacks are really unwarranted by all of you.

[Leah]

Be careful throwing the word dumb around...someone may get offended! You know how it is!

And Guest...if you are so sure of yourself and your answers why are you hiding behind guest? Why not log in with a member name? I suspect its because you are one of infamous collectors who violates any and all laws!

[cajunbulldog]

Guest who is bringing up the comments about the legality of voicemail,I understand your position and will be able to go one way or the other soon.Even though guests are allowed to post,we have had so many that have done their best to trash this board. I would really like to know your information sources,but that is entirely up to you.

[cajunbulldog]

Enclosed is some caselaw cites that deal with voicemails

Belin v. Litton Loan Servicing
Stinson v. Asset Acceptance, L.L.C.
Foti v. NCO Fin. Sys., Inc.,
Hosseinzadeh v. M.R.S. Assocs., Inc.
Joseph v. J.J. MacIntyre Cos., L.L.
Wright v. Credit Bureau of Georgia, Inc.
Chlanda v. Wymard

Foti v. NCO Fin. Sys, 2006 U.S. Dist. LEXIS 13857

There is an active lawsuit to test this message.It is borderline legal according to the proper people,but the lawsuit claims third party disclosure which should make an easy case to prove.

[cajunbulldog]

Here is the header for the active class action that has been filed to test the legality of this message per third party disclosure.

Personal attacks are prohibited.Cajunbulldog

[cajunbulldog]

If you are the same guest that started me on this path,why in the heck are you attacking me when I went thru the trouble of finding law that backs both sides of this discussion. Don't understand that one bit.

i owe no debt and ASG keeps calling and won't say what they want are who they are. they leave emergency messages and scare you to death for nothing. i told them to stop calling and now i called the state attorney general and filed a complaint and FCC.

[doubleclique]

So you're aware, this is the original Guest who was speaking about the voicemail message. I've registered so as to avoid confusion.

For the record, it doesn't matter one way or the other if that particular message is used. I believe I can convey a better message without having to mention I'm a debt collector... We are restricted in that if we know it's a verified number, we HAVE to leave that message. If not, we can leave a different message. I personally prefer leaving my own personal message.

[countrygirl]

Thanks for taking the time to look into this subject Cajun.
And 'doubleclique', so you are a collector...(?) Exactly how do you know that it is a verified number? If no contact was ever made to the person whom you are trying to reach, that person may not live there anymore. In my case the phone # is not even in my name and I have never really had any contact with a REAL person associated with ASG. I just don't see how leaving a message like this is legal.
Also, off the topic here, I read somewhere today that Florida is starting a thing where you can freeze your credit report, where you have to give your consent for someone to look at your report, (it's a good thing, and it's a bad thing.)

[cajunbulldog]

Well my other friends in the consumer world are very interested in testing this message. There are a few lawyers,law students,advocates,and pro se plaintiffs that will shortly be joining the crowds filing suit on this message. It will be interesting to see if this message survives jury trials. What is even more interesting is a person I know who owns his own collection agency says his lawyers are not gonna touch that message with a ten foot pole. ASG and others have more problems than just this message just by looking them up on the US federal court system. They have been sued numerous times for fdcpa violations. The latest one I read was harassing a person for a debt that could not possibly be theirs because they were 13 years old when account was opened.Even when person had written documentation from creditor stating they were wrong person,they still pursued her.She had no choice but to sue them in return.

No collections agency is perfect. All the agency can do is teach its collectors not to break the law. Some still do. Those collectors will do so no matter what agency they work for. Personally, it doesn't matter to me whether we use that message or not. I actually think it's far less effective.

[cajunbulldog]

Guest you are correct.Until management in agencies start penalizing behavior that violates law,we will always have this problem.When enough consumers start sueing collectors personally in addition to agency,maybe that will help.

[Anthony Lemons]

Screw all of you bottom feeding collectors. Get a life and pay your own damn bills, before even attempting to get a stranger to pay theirs.