[imkimssister]

Anyone dealt with these people before? Dell is claiming that ARS National has at least one of my husbands dell accounts. And they claim that ARS has mine as well (I have one). Although my husband has four accounts with Dell--oxford is calling saying they have all four, yet dell has emailed me back on one account so far, and they're saying that ARS has it. This is INSANE!!!!!!!!! can I go jump off a bridge now? I'm waiting to hear back now about who has the rest of the accounts. These accounts have been passed around like hotcakes. and tell me, why is this????? if I ask for validation, here we go again. The last I heard (three months ago), oxford had two and Encore had two. This is the first I've heard of ARS having any of these accounts.

sorry, got carried away there for a minute. was just wondering if anyone here has dealt with these folks before? I'm starting to think in the terms of a lawyer---can we say L-A-W-Y-E-R?? if I had the money, I'd jump on it in a second. These people have jerked me around long enough. thanks, shirley

[Mary]

Wow...every time I think it isn't possible to be more complicated.

*speechless*

It seriously does seem like you are being jerked around, and I DON'T LIKE THAT! I don't think it would hurt to take a free consultation with a lawyer that knows his laws in this type of situation. Of course, I wouldn't have a clue as to where to start to find one. What is the next step you are going to take??

~Mary

[imkimssister]

well, I am going to wait to see if this person emails me back from Dell. I actually got an email from a real person with a real name and job title! so I'm going to wait and see if she writes back. Also, I sent out a certified letter on monday, will wait and see what that comes back saying. compair the info from the letter to the info from the email and see if their info matches up. Then go from there writing the collection agencies in charge.

This just doesn't seem right or legal to me the way they have handled all of this.

[Mary]

Well as always, we are behind you and beside you, every step! Hopefully that e-mail will come back with something that makes sense.

~Mary

[imkimssister]

thanks mary!! I really appreciate your sweetness and support! hugs, shirley

[stanley]

Shirley,

I think all the debtors should follow few steps-

• Ask for validation. Unless the CA validates the debt, they cannot start collection activities.
• Never pay anyone without written agreement.
• Keep all the documents of your payments for the rest of your life; they can come up with peculiar claims any day.

I know you have been dealing with these accounts for so many days. Hope you will get some positive response this time. Keep us posted.

[imkimssister]

Thank you Stanley!!!! ((hugs)) I totally agree with all of your points there. I think more so than ever, because of these accounts getting scattered left and right every time I ask for validation--and now some companies say they have these accounts while I'm hearing that other companies have them. This has just gotten crazy! I can't do anything until I know who has what! I have emailed a person at Dell and sent Dell a certified letter on monday-also certified letters to the collection agencies THAT I THOUGHT had the accounts. Turns out now the accounts have changed hands again. gonna wait to see what I hear back. But I almost can't do anything right now, this is so tangled up! but thanks again Stan! shirley

[tsacgiv]

If you ask a 3rd party collection agency to not call you at one of your numbers, they are not allowed to BY LAW. Once Dell sent your debt to a collection agency, it gets passed around through several. ARS is generall the 2nd or 3rd agency it goes to. A file is generally in a collection office for 6-12 months. If you speak with a Rep, verify your info, you can then find out if they still have the debt - and if so, work out arrangements for resolution. Remember - your charged off debt is accruing interest every day. Sometimes a settlement is the best way to get rid of the debt, often at less than what you originally owed.

ARS violates several fdcpa rules and often! They are known for calling third parities in attempt to embarrass the debtor. In most cases they will call anyone even remotely associated with you. They can only do so once to find out your location/phone number. However, they breach this law over and over. I have had phone call after phone call from these jerks and found out that recording them makes them squirm! They fail to give me real names and I will often re-play the communication for them with a supervisor/account manager. Your best bet is to take them out of play because, giving them money is like giving a crackhead money! You are not dealing with honest people here so, save yourself some time and grief. You have rights under the FDCPA, look up the site. Times are hard and honest people are being harassed by these idiots! I'm not limiting the idiot name to just ARS, but collection agency practices as a whole.

I am a third party and have come head to head with these harassing phone calls. I have never been treated in such a rude manner in my life and I am so angry and upset over the treatment I have received from these people that I am shaking! The "Witch" that keeps calling has informed me that she will keep calling until I get a message to the person she is calling for. I've tried to explain that person is not at this number, has never lived here and in fact does not and has never even lived in this state! These people are horrible and have no business dealing with the public. I don't know what she thinks she will accomplish treating me in the manner she is, but it won't be what she thinks she's doing. Miss "tuffy" has another "think" coming. I have called their number and they will not give out their address. I have asked to be put on their no-call list and to never receive a call from them again and reported "Jasmine", but of course they would not let me speak to a supervisor. How can we stop these idiots???

[NASCAR_Devil]

Who is the CA or what's the phone number calling you?

The phone number on my caller id is "unavailable" "Unknown number"; however on one of the calls I did not answer a message was left leaving the following information:
"Jasmine" with "ARS National" at 888-238-8232 x2436.

I have just filed a complaint on line at FAIR DEBT COLLECTION gov.

I sure hope it does some good because this is ridiculous. I am an innocent bystander being attacked just because someone at some point in their lives used me as a reference. No way can this be legal!!

[NASCAR_Devil]

You may have to send them a cease and desist. Are they calling a landline or your cell phone? If they are calling your cell phone, you can sue them for $500 per call after recieving your C&D

They are calling my home phone (land line). They refused to give me a mailing address so that I could send them a formal complaint and request to remove me from their call list (which, by the way, I am on the National No Call List) and since I did not solicit their phone calls, nor do I have any business dealings with them, aren't they breaking laws just by calling me?

I can't stress how vicious this phone conversation was, how rude, disrespectful and down right abusive it was!!

I dealt with these people a few months ago when they called me over a debt that citibank sold to them. I admit owing the debt completely and told them what I could afford to send and the guy I talked to laughed at the amount I offered. Basically told me it wasn't good enough. Then proceeded to tell me that they were going to look into wage garneshment the next day if I didn't pay them the total amount due, which is around $3500. I then laughed at him for making such a humorous statement and told him that he wouldn't be able to do that without a judge ordering it and I think that pissed him off. So, I said see you in court then! Haven't heard from them since and this was in October of 2008. Good luck!