Encore Manager - If you want to convince us that your company is respectful to those who want to work out their problems, your sarcastic posts aren't doing anything but showing everyone that you are judgmental and threatening when it is probably not necessary. You must be frustrated at work or you wouldn't be wasting your time needling people on this site

still waiting for a response to my post.....guess I wont hold my breath on that one though....

Everything that encore manager has asserted here has been countered with the law. Even the whole first party/third party bit. The law is irrefutable, and it clearly goes against everything that the encore employees in here have tried to say. This means only one thing--that your company is in repeated direct violation of federal law. Not a position I would want to be in...

I have read some of your e-mails and have been getting threatening phone calls at work. I have told them several times not to call me at work and they continue to do so. They have today called me at work and stated they just got off the phone with my payroll department and to give me the benifit of the doubt had them transfer the call to me so that I can make arrangements to pay them. They threatened wage garnishment to me. I under deress (sorry about my spelling) gave them a payment. I after reading these e-mails and the Fair Collections Act. Called my bank cancelled the check and am cancelling my account today. I am contacting the better business Bureau today as well as my attorny General. Is there anything else I can do to stop them from harrasing me?

Thanks Chrissi

[cajunbulldog]

Chrissi, send them a cease and desist letter certified return receipt.You should be able to find one on our site.

good God. why dont you guys just pay your bill?

it's just that simple instead of finding loopholes and excuses not to pay it.

you know for a fact that you have an overdue account.
that it is your responsibility to pay it.

as one posted a few pages back dont pay your debts.

the effects will be substantial to your future.

adverse credit rating. charged off. bad debts.

oh joy.

[skydivr7673]

good God. why dont you guys just pay your bill?

it's just that simple instead of finding loopholes and excuses not to pay it.

you know for a fact that you have an overdue account.
that it is your responsibility to pay it.

as one posted a few pages back dont pay your debts.

the effects will be substantial to your future.

adverse credit rating. charged off. bad debts.

oh joy.

really???

So, we all know that these debts are ours?

Let me explain this to you in the simplest terms I can, wouldnt want to trip you up by using any big words or anything....

This past year, a collection account chowed up on my credit report. A foreclosure, actually. I live in Louisiana, and this foreclosure actually took place in Tennessee--a state that I have never lived in. Clearly, this was not my debt. The original creditor was the one who reported this to the CB. I disputed this debt, the CB notified the original creditor, and they AGREED that it WAS NOT MY DEBT. Entry was removed from my report. Three months later, the same debt was back on my report, this time from a third party CA, much like yourself. To this day, that third party bunch of idiots maintains that this is "really my debt and I need to shut up and pay it"...just like you run aorund here babbling to everyone. By the way, this isnt some credit card chargeoff--this is over $40K we are talking about. Not only has it already been proven to not be my debt, but the morons at this CAact just like you anyways. Proof has been shown that the debt is not mine and yet they still parrot the same crap, just like you.

Bottom line--the law exists for a reason and that reason is dumbasses such as yourself. Face it--if you would adhere to those laws when doing your job, there wouldnt be any "loopholes" for people to talk about, would there? Nice to see that a federal law doesnt mean anything to you--PLEASE call my house trying to collect a debt with that attitude!!! I would enjoy suing you personally, as well as your company.

skydivr7673.....you should not call people a dumbass. That is not nice. But of course, you are probably not a nice person. Is that why you arent married?? If you are married, that is probably why you husband is unhappy with you. Have a nice day!

[cajunbulldog]

Let's please cut out the personal attacks on members and guests so I don't have to break out the red ink.Keep the discussion lively but legal and try to limit the discussion to the subject of Encore.

i dont know how that CA for your foreclosure works but in Encore we route disputes to the proper department so they not be called again. or maybe that CA or the original creditor at that time needed more evidence/proof of the dispute that's why it was back with collections as you said.

and dont think anyone is that stupid to understand big words. i have the option of dissing you but it's just a waste of my time really.

ok. any more complaints guys?

[skydivr7673]

i dont know how that CA for your foreclosure works but in Encore we route disputes to the proper department so they not be called again.

is that so? Then why are there so many complaints against ERMI that state otherwise? Clearly, you have no clue whats even going on in that company. Once again, if you would follow the laws, you wouldnt have the issues and complaints. But ERMI doesnt follow the laws, and this thread is only one small example of that. In 2004, a statewide class-action lawsuit was filed in California against ERMI....because you people dont follow the law. I have no doubt whatsoever that it isnt the only suit ERMI has experienced. In this thread alone, we see examples like this:

[img]/forums/attachments//bsm1_200.jpg[/img]

How are you going to sit there and say that Encore honors disputes when you dont even honor the demand for validation?? Gimme a break.

or maybe that CA or the original creditor at that time needed more evidence/proof of the dispute that's why it was back with collections as you said.

No--no further proof was needed. The original creditor had all the proof they needed--they came forward and admitted that it was not my debt. There was no "maybe" or "could be" about it. They admitted their error and cleared my credit file. This new entry--the new CA that has the account now, they are just another bottom-feeding law-breaking bunch just like Encore is...and they will get theirs.

ok. any more complaints guys?

yeah--stop lying in here about what your company really does and doesnt do. We're not stupid and we can read. When a dozen people post up illegal things that ERMI has done, and you come along to say that it doesnt happen like that, you clearly need to pay better attention at work. Youre not fooling anyone, believe me.

when we route accounts to the proper dept. skiptrace and the original creditors puts them right back in collections. accounts are automatically transferrd to our office. and more often than not. people on the phone either have no money to pay for their bills so thay just keep lying and lying and finding loopholes to escape something the owe.

people should live within their means really.
if they were responsible about their finances they wont be called up by collectors. just my 2 cents.

[skydivr7673]

when we route accounts to the proper dept. skiptrace and the original creditors puts them right back in collections. accounts are automatically transferrd to our office. and more often than not. people on the phone either have no money to pay for their bills so thay just keep lying and lying and finding loopholes to escape something the owe.

then why does your company have such a history of illegal practices, complaints about those illegal practices, harassment, failure to validate debts, etc etc etc??

Whether you like it or not, I dont pretend to care, but the fact is this--you simply do not even know if a debt is valid unless your company validates it according to law. And, I have spoken to your company before--they tried to collect a debt for a company I never heard of and never did business with.When I demanded validation, the person on the phone didnt even know what validation meant!

Me: I want this debt validated as required by federal law before anything else will take place.

ERMI "collector": Well, I just validated it and the debt is yours.

Me: how exactly did you validate it yourself, just now??

ERMI moron: How do you think? Your name, address, and phone number are sitting on the screen right in front of me, so obviously it's your debt!!

you guys dont even know the definition of "validation"! So dont give me some song and dance crap about how they do this or that--too many people have had complaints about ERMI NOT doing those things for you to be telling the truth.

people should live within their means really.
if they were responsible about their finances they wont be called up by collectors. just my 2 cents.

well, seesaw, you are mistaken. You would be surprised at the number of times CA's contact the wrong person and hound them for payment of a debt that isnt even theirs. So much for your theory, huh?? Yes, thats right--imagine being the one that lives within your means, pays your bills, right?? And a company like ERMI still harasses you with crap like this. It is simple, and if you look around this forum, you will see that I am stating fact when I say no one here is advocating that people dont pay their bills. You need to face facts and wake up from fairy tale land. The truth is that CA's call people every day in this country, wihtout following the law, without validating debts, and just assume that the debt is legitimate, when many times it is not.

Before you type another word about your theory, ask yourself this--why do the laws exist? Why do we even have a fdcpa?? because there was a need for it, thats why. CA's decided that treating people like garbage, committing acts that are criminal behavior even without this law, was the way to go. Here's a thought--maybe if CA's actually performed a legitimate service, and did it legally, then people would have no reason to complain on a forum like this. You will note that in here, no one sides with people that admit the debt is theirs and still try to get out of paying it.

Dont think I am making this stuff up--CA's have been proven to do these things. It isnt like I just pulled these claims out of my back side. And even today, with the laws in place, many of them still do the same things, because most people arent educated on the law, so they dont know they have rights.

scenario no 1.

ermi collector: hey im looking for john smith

3rd party: sorry wrong number, pls take it off the list.

ermi collector: very sorry for the inconvenience. but before i delete the number i just have to verify some info. the number is 9876543 correct.?

3rd party: yeah.

ermi collector: ok il delete it sorry again.

collector route account to skiptrace.

skiptrace will search phonebooks over the net that matches cardholder's social number to the new phonenumber then brings account right back to the dialer.

so by now you guys have clear ideas how things work..?
it's not the collector's fault if the number is dialled again bc everthing is done automatically. deal with it.

[cajunbulldog]

If you are using software to dial a number collector your firm is on the hook for due dilligence so no we do not have to deal with it.If a person is wrong number,remove their name immediately or you will be legally liable for your actions.

encore rmi uses auto dialer. most outbound projects do.