[kchahn]

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An interesting question. As I have had the same thing happen to me with one of the last letters I sent out.
I have the CM reciept, and eventually recieved the green card, UNsigned, UNdated etc....And I'm wondering how it made it back if it hasn't been properly filled out.

Was sent(3/25/06) to and recieved from:
Plaza Associates
370 7th Ave
New York, NY. 10001

Even though the green card was not filled out, I have not heard anything from them since. So I know they don't have the ability to provide me with the information I requested at the time.
Kind of proves to me they many of these "people"(term used VERY lightly!!) do can't read and/or understand basic english and are unable to follow very simple rules!!

MY opinion only. Take it for what it's worth which ain't much!

Keith,
They have the right to refuse certified mail which is why it is important to contact the FCC. The FCC has their very existance in the palm of their hand. If you complain to the FCC and send a courtesy copy of the letter you sent asking them to stop, including the certified mail number, they will know you asked them to stop and that they just refused the certified letter. Trust me when I tell you that the FCC WILL intervene.

hmmm someone is giving you guys false info... if MRS has a letter from the client stating that MRS can request legal action be taken, then MRS can threaten legal action.... the Client must have lawful intent... so its not true that they cant take you to court... it would be MRS requesting it because you don't pay.. but the Client or original contributor of the account would be the one to have the lawsuit against you... PAY YOUR BILLS ON TIME... GROW UP...

you guys should go to fcc.gov... read up on your credit reporting rights as a consumer... your all grown... you should know how your credit looks.. just pay up on time... if you disconnect.. request the final bill be sent to your new/recent address...

Hi,

People come to assume that because they see a 800 # on their called ID, everyone comes to think that we are solicitors or telemarketers, please understand that we are not! 800 # are used for the convenience of people because its TOLL FREE!!

If we are calling is because we may have a past due account (bill) that has been placed into our office, that you may or may not be aware of. (Yes, we are a collection company.) Sometimes we find ways to "skip trace" relatives, neighbors, and/or friends so they can provide us with forwarding information or so they can take the message and pass it to the consumer/debtor. (We do this because the initial phone # that is provided to the creditor/client, before the account gets forwarded to our office, is either disconnected or changed)

Due to federal privacy laws, when we speak on the phone, we can only tell unidentified people (3rd party non-consumer/debtor people) that we are calling regarding a personal business matter.

This is why we ask for verify address, date of birth, and/or last 4 digits of SS# just to make sure we are speaking w/ the correct person, because if we tell anyone else other then the consumer (debtor) about their debt, our company can be sued!

PLEASE UNDERSTAND LADIES & GENTLEMEN, THAT IF YOU ARE THE CONSUMER/DEBTOR... HANGING UP, NOT RETURNING MESSAGES, NOT PICKING UP THE PHONE IS ONLY GOING TO MAKE US CALL MORE & MORE!! IF YOU DON'T WANT TO PAY JUST SIMPLY MAKE IT EASIER FOR THE BOTH OF US, PICK UP THE PHONE, DIAL 1-800-932-4950, TELL US YOUR INTENTIONS, & WE'LL GO FROM THERE.

IF YOU WANT THE COLLECTION CALLS TO STOP AND/OR YOU DON'T WANT TO PAY BECAUSE YOU ABSOLUTELY CANT (REMEMBER THAT WE OFFER SETTLEMENTS & WE CAN DROP THE BALANCE, BY ALOT IN SOME CASES)SIMPLY TYPE UP A CEASE & DESIST LETTER, MAIL IT, FAX IT, E-MAIL IT, WHAT EVER...& WE WILL STOP CALLING!

Cordially,

Collector

[skydivr7673]

ok, now that collectors have chimed in, let's take out the garbage....

1:

People come to assume that because they see a 800 # on their called ID, everyone comes to think that we are solicitors or telemarketers, please understand that we are not! 800 # are used for the convenience of people because its TOLL FREE!!

WRONG. You use 800 numbers because FEDERAL LAW REQUIRES YOU TO. Well, not that they specifically require an 800 number, but the fdcpa DOES state that you are not allowed to make a consumer incur more expenses in the course of trying to communicate with you concerning a debt. Dont make it sound all rosy and polite--you do it because you MUST do it.

In all fairness, I do feel that 'collector' provided some really good and truthful information there, and it wouldnt be right for me to get on him/her for that comment without giving credit for the rest of the post. It is very much appreciated when a collector comes in here and posts politely and truthfully. Thanks for that, seriously.

2:

hmmm someone is giving you guys false info... if MRS has a letter from the client stating that MRS can request legal action be taken, then MRS can threaten legal action.... the Client must have lawful intent... so its not true that they cant take you to court... it would be MRS requesting it because you don't pay.. but the Client or original contributor of the account would be the one to have the lawsuit against you... PAY YOUR BILLS ON TIME... GROW UP...

hey there, "collections 101"....you dont have the first clue, do you? "legal action" and "arrest" are hardly the same thing. Here is a fact--NO COLLECTION AGENCY IN EXISTENCE IN THIS COUNTRY HAS THE ABILITY TO PRESS CRIMINAL CHARGES AGAINST A CONSUMER OR HAVE THEM ARRESTED FOR NOT PAYING A DEBT. We arent talking about "legal action" in the same sense as you are, clearly. Yes, legal action can and does take place--in the form of CIVIL ACTION, genius, not criminal action. The person who started this thread spoke of threats of ARREST, and criminal offenses like fraud and ID theft, none of which are remotely the same as what you are talking about.

[good.nelly]

Can the guest tell me why do they call 3-4 times a day and that too 7 days a week. Every day I receive calls from Tim Brown, Susan Cortez and so many others. FOR GAAAWD sake why don’t they just quit calling me. I don’t have any account that is handed over to collections.

Nelly

Until you pick up and tell us we have the wrong #, and that you dont know the debtor, then we will keep calling...most times we call a lot, because when people apply for credit cards, they put their phone #'s plus other #'s on there, but many times, people move, change their #s, & the #'s are assigned to other people...if the # was provided to us in the beginning, we have the right to call to retrieve money back...if we are calling you at a # that you have had for many many many many years, than chances are the reason we are calling you is because you 'might' be related to the debtor (the skiptracing websites/programs, have you listed as a possible relative or neighbor)

[ramj70]

Jimbeem, the do not call registry has no affect on collectors as it does not apply to them. It only applies to telemarketers.

Question for collector, now I agree that you have the right to call someone who owes. However, why would you keep calling for weeks and sometimes months knowing that you are not going to get an answer? It seems after a certain amount of time you would just bring legal action and get it over with. Otherwise it appears the constant calling is done just for harassment sake and to irritate.

Mr. Collector is a little defensive there! You have have SOME life going around acting like a jerk to everyone.

I agree that is a very valid question... I feel that at some point the failure to answer or return calls makes the customers intention apparant that they do not wish to pay or discuss the debt. Likewise, there is a point when continued calls become harassing.

When is this point? Well, that is hard to define, exactly. But lets all be honest -- it is definitely harassment.

If you have a debt, stop crying and pay your bills. If an honest mistake was made, resolve it in a timely fashion before it is placed with an agency!!!

[unclewulf]

Yeah. Sure. Right.

How about those of us dealing with cases where the 'honest mistake' was made by the agency? Hadn't thought of that one, hed you, asshat? How about all those fine, upstanding agencies that buy up debt years past the SOL and then try to re-age it? Gimme a break.

Hey i work at this company they dont care about anything and the workers are treated like slaves and when you give your checking information they put it in there pc your account # and all they just stopped doing this on 1/10/08 so if anyone had bills with them and gave there checking info not a good idea they have a high tern over rate and employment with then is like revolving doors collection agencies is a good way to harber future id theft people.they cannot do anything but call you over and over again thats the further collection actions there talking about i wasnt going to write this but since .laura the head of the north parsippany nj office is a ****why not expose them .the next time you get a call from them tell them i heard mrs is about to go bankrupt so i will deal directly with the creditor or tell them to go f**k themselfs

****Adult term removed - Jason

[JCEMT]

Thanks for the interesting insight guest, but please remember this is a family oriented forum, so please try to keep the masked curse words to a minimum.

Thanks again.

[rstimson]

I would love to have a conversation with the last Guest...

I'm not one to ask for help, but now I really, really, need too. I am permanently disabled and receive SS which is direct deposited which only is enough to get by and since I became disabled I did indeed have a few credit cards which I was paying, but since by income dropped substantially I became late and then they jacked up the interest rate and realized when I was trying to make payment only about 20 cents was going to the bill when I sent over $100. I couldn't do it anymore since it seemed like everything went up especially oil to heat. The collection ageny called and I tried to tell them I could only afford a couple dollars but they didn't want that and wanted me to agreed to like $100 and sign it, I said I couldn't do that because I didn't have it to do it. My house phone was shut off and one day my neighbor came over on her cell phone and told me on the phone was a doctor that my mother was in a terrible car accident and they needed some information from me as some type of next of kin, I'm just concerne about my mom and wanted to get to the hospital, but when I asked him his name he got real mean and nasty and said this is what you get for not paying your Visa. UNBELIEVABLE. I called the police but they couldn't do anything since I didn't have any information, but getting to the worse part, I went to get my medicine which costs me $100 and my debt card didn't go through for insufficient funds and I knew my ss had just been deposited on the 3rd of the month. When I checked with my bank the credit card company took my whole ss check and I have a 0 balance. Things look very bleek for me, that's all I get is ss and they took it all, what do they think a disabled person can do? I am doomed with money for my medicine, food, doctor's visit my house expenses are due every month. This is America? Are the death notices people who died because of this where can you go when this happens to you. When you don't have no one to turn to? My next check don't come until the 3rd of April. I worked for many years and earned some money, but do we ever actually think that we are going to become disabled? It's something I never thought would happen, I'm still shocked over it and I hate hearing the clicking of high heels on the pavement early morning, because that was me now I'm only the living dead. Well any advice out there would be appreciated.