Mini Miranda Warning - Is anybody aware of this

Name the time and the place, internet cowboy! Let's see you talk this tough in person! Oh, wait, you are a c*nt, so you don't have any balls, so never mind! Internet tough guy sugar britches. Rot in hell, coward.

To #15 hater. You assume that everyone that gets this call owes the debt. I did't owe the debt and was harrassed.
so lets not be so nasty and take this so personal. People have a right to ask questions. You must be a collector. Take a chill pill.

FYI, for unsecure debt, you can not be sued period. It is laughable to hear that someone can be sued for something not secured. In fact, the burden of proof is on them to proof that the debt is even owed at all. If threaten with, we are going to sue you, do yourself a favor laugh really hard. Because if your talking to them, you are obivously trying to work out a deal with them. Also, make sure you tell them it is illegal for them to record you without your permission. Stress that during the call and watch how fast they hang up on you. Don't be bullied be informed!

This is directed at or more accurately about the anonymous poster of sub: #8 who is very likely the same poster of sub: #5. Looking at what s(he) posted as far as spelling, word choice (your instead of you're), slang, punctuation, and Caps Lock fixation. I think it's highly probably they are not a Lawyer, possibly a debt collector, and very uneducated. It would take an extreme amount of effort on the part of a person who completed enough college to be a law professional to make that many mistakes.

Wow, ~COLLECTOR~ of post Sub: #28 writes
So you view those who accrue astronomical amounts of debt by way of medical emergencies due to lack of adequate insurance, losing income; due to a death, a change in job status, an unforeseeable catastrophe, as borrowing money and not paying it back? From people? I've never heard of a debt collector calling to recoup money for a person. Large businesses and institutions yes, people never. Refusing payment because you feel the amount a debtor is able to pay, while trying to be financially responsible, isn't enough is an acceptable practice to you? Charging interest on a debtors account that is costing a trivial amount to maintain while the debtor is having difficulty even budgeting to make regular payments is an acceptable practice?

I understand some people have no intention of taking care of their debts. However, most people feel rotten as hell about owing an institution or person anything! If you want to collect on a debt, offer free counseling on budgeting, offer flexible payment plans, be courteous to your debtors and treat them as people rather than numbers in a ledger, do not place a greater burden on them than they already have by charging unnecessary interest. Offering free counseling for their budget alone would allow you to recoup the debt far more quickly, consistantly, and cheaply than threatened legal action, abusive calling, making them feel subhuman because they got in over their head.

Wow...I dont know what rock you like under. Credit cards, medical bills, private student loans...these are all unsecured and people are sued on them everyday! Read the forum....go visit a court house.

As for recording, it depends on the state...some states are one party consent states....so as long as the person doing the recording knows, it is legal.

You need to get informed!!

FDCPA applies to 3rd party collections only. If you signed the debt with ABC Finance and ABC Finance is calling you then FDCPA does not apply. Many companies follow it anyway.

however if ABC finance buys the debt then they are a 3rd party collector.we do know the difference here.we alawys state original creditors are not subject to the FDCPA.JDB'S are however.

MiniMiranda is intended for the protection of the consumer, however as mentioned before, the best deal is to pay your debts on time.A debt collector is not always a terminator machine. It might be of help to talk with them, sometime they can offer you options to manage the settlement of your outstanding obligations (by experience). Having a debt is not a crime, no paying it is a felony.

AND NOW, A WORD FROM OUR SPONSOR.....

A debt is NOT a criminal matter. If you dont pay a debt, it is NOT a felony. It isnt even a misdemeanor. It is NOT A CRIMINAL MATTER. Do not EVER fall for some garbage like this--if anyone tells you that you will be arrested for not paying a debt, file the complaints with FTC and so on....

The preceding message in red text was brought to you by skydivr7673, the best-smelling moderator on DebtConsolidationCare forums.....we return you now to our regularly-scheduled programming.

Not paying a debt is not a felony. Idiot!

Debts are always civil ....not paying a bill is not a crime. Debtors prison went away in the middle ages.

federal law requires me to inform you this is an attempt to collect a debt all information obtained will be used for that purpose this call may be monitored and recorded for wuality assurance prposessss

this is an attemp to collect A DEPT BY A DEPT COLLECTOR ANY INFORMATION ABAINED WILL BE USED FOR THAT PURPOSE ONLY

i alway have bill collectors calling my work cause they do not have my numbers at home or cell phone plus they are unlisted. The only way to find them out is if you pay $$$$ for it.

anyways i am getting back on track as of this month so they should not harress me at work and if they do i will say they are not to call work cause there is lots of work

The correct line is...

This is an attempt to collect a debt and any information will be used for that purpose.

I have a relative who is a collector for BOA. She consistantly runs at top of her sections production scoreboard and succeeds by not being what most people have experienced from collectors. Maybe having watched relatives struggle through rough periods and never being able to catch up before the next unplanned for event happen has given her some empathy.

There are not many people who set out to fail.