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See if yours is on the list!!

1. Giove Law Office

2. McKelvey Law Office
The Law Office of Makel Ann Wright
Douglas R. Burgess
Sheree Meadows

3. Shekinah, Inc.

4. WAS--Alegis Group/Sherman Financial
(Now) LVNV Funding, LLC

South Carolina Moons the Nation

5. Unifund CCR Partners

6. Arrow Financial Services, LLC

7. Wolpoff & Abramson

Great Seneca Financial

8. Jesse L. Riddle & Associates, P.C.

9. NCO Financial Services

10.Collect America, LTD (CACV) & (CACH)

Posted: Wed Mar 15, 2006 7:13 am Subject:

Hey Shirley,

Add Academy Collection Services to your list. If you haven't dealt with them you don't know but if you have you would definitely agree. The only one on your list I have dealt with is Arrow luckily.

Posted: Wed Mar 15, 2006 8:26 am Subject:

Hi Sue, this is an actual REAL list, not one that I made up. I haven't dealt with any of them myself. The one that I would think would be the worst to deal with, isn't even on here! shirley

Posted: Wed Mar 15, 2006 8:51 am Subject:

Oh wow, I didn't realize that. Where'd you find the list and I cannot believe that Academy isn't on there!! They're the worst I've dealth with!

Posted: Wed Mar 15, 2006 9:08 am Subject:

Oxford and Encore aren't on it either. They're not even on the list to 'watch out for'... Question

Kathryn · Posted: Wed Mar 15, 2006 9:11 am Subject:

Bud Hibbs website. Lots of good info there

Posted: Wed Mar 15, 2006 9:24 am Subject:

There is alot of good info on his site. He hits it right on the nail head about these scum collection agencies.

Posted: Wed Mar 15, 2006 9:30 am Subject:

I love Bud Hibbs website.

Hey Shirley - ironically enough, I FINALLY got a copy of my Equifax report (after 40 minutes on the phone trying to prove that I am ME) and I checked it out. NCO has some bogus hit on my account, they are trying to collect for that Cingular account! The one I am sending the nasty letter for!! I am gonna slam these guys. Ugh!!

~Mary

Posted: Wed Mar 15, 2006 9:33 am Subject:

Go get em mary!!!! tare them a new one! LOL shirley

Posted: Wed Mar 15, 2006 9:35 am Subject:

I will, and I'll have FUN doing it! Jerks, I already have the debt validated! Wish I could sue them, too! LOL

~Mary

settle up · Posted: Wed Mar 15, 2006 11:56 am Subject:

Shirley, have some cake tubby!

Wanna bet that those same agencies are standing on their bank books laughing at you.

Posted: Wed Mar 15, 2006 12:46 pm Subject:

While I don't dispute that others have had problems with Wolpolf & Abrahmson, my dealings with them were very polite, businesslike and over quickly.

Posted: Wed Mar 15, 2006 6:21 pm Subject:

Wolpoff sued me for 500 dollars. Glad I live in Texas.

mwtx · Posted: Wed Mar 15, 2006 11:03 pm Subject:

beatlemyn02,

I'd be interested in knowing your story, because I'm about to take a couple of junk debt buyers to court. LVNV for one.

I believe that if a person honestly owes a debt to a company, and is contacted by a 3rd party collector, one should try to settle. --But-- as to "junk debt" buyers (ie., debt purchasers) no one morally, nor legally owes them anything. You will not help your credit rating by paying them, in fact it could be made worse.

You are very right. In Texas we have various laws which idiot debt collectors in other parts of the country are probably unaware of.

In Texas, even if they somehow get a judgment against you:
You have a $30,000 personal asset exemption ($60,000 family). This especially effective if you are unemployed or self employed. You could be considered "judgment proof".

They cannot take your house or car (except if this is what the money was owed on).

They have 30 days to answer a request for validation.

And many others, which also applies to original creditors (not just 3rd party collectors). In short, if Texas residents demand their rights, collectors stand to get next to nothing to satisfy judgments.

mwtx · Posted: Wed Mar 15, 2006 11:06 pm Subject:

I might also add, at least in Texas, your wages --cannot-- be garnished for anything except government loans or child support. So, if a collector illegally suggests this, laugh at them.

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