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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.
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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.
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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.
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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.
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