First let me clear something to all of you, Riscuity purchased your debt,they own it, they are not third party, they go out and purchase your bad debt from the payday loan companies for pennies on the dollar, they do NOT have attorneys in each state, they have one atty in their office lic in GA and she would need to be lic in every state to try to bring legal action against anyone outside of GA. They will have to hire a attorney in your state in order to file anything in the courts against you. they may have associates that are attorney firms in some states but they do not retain attorneys in all states so don't be fulled by that. Dispute the bill, request proof, a copy of the original check, I can tell you now they will not be able to prove half the people they call owe a bill, they work from a list of debts, a computor print out is loaded to their computor system, they never see your check, to collect it they must produce proof of the check if you request it. a copy of the original check. One in 10 will get a copy the others can get the debt canceled, no proof no debt.......

Can any of you tell me if this company in Ga is a law firm. A man keeps calling me about a check I am sure I cleared up back in March. I told him so when he called but he said his "firm" only handles audit bad debts and I still owe one of those debts. He has indicated he is with a firm, when I told him I had to go back and try and see what checks I did clear up , see I used my incometax money to take care of all the checks. I did not have copies of my cancel checks as my bank does not send copies any more. I ask for a copy of the check and he said once it goes this far I can view it in court. He is not obligated to give me a copy, I know I wrote the check now pay it. I am not stupid I know he has to prove the debt but I moved and he said he notified me with no return mail so I lost my 30 days to dispute the bill and stop action. He claims he will continue to process legal action against me not letting me have time to go to the bank and get copies and dig out the paid notices Payday Loan sent me. I am sure I paid all the checks, I am sure I gave them 3 checks, and I cleared 3 plus charges so I am not sure what check he has. Could he have one of the checks I clear up, he is just not willing to help me resolve it. He thinks I should pay now and if proof its was paid he will see I get a refund. Should I pay it. I am trying to start my life over, keeping things paid and staying away from these type of loans

[ben]

Liddy, take the help of the credit bureau in resolving this matter. They will investigate the matter and provide you the details. Don't pay anything to Riscuity. They are a law firm and they are trying to intimidate you. Without seeing any proof of this debt, don't agree to pay them in anyway. You will never know where your money actually went.

Send a debt validation letter to the company and get the accurate details in writing. Send it certified with return receipt requested. Read this article that explains this process minutely.

http://www.debtconsolidationcare.com/validation.html

Don't worry. Keep a check on your credit report. No company can report in your credit file without legitimate reasons. If they do so, take the help of an attorney. Hope you take care of your credit worthiness.

[Jedi Mistress Ari]

Not very intelligent, are they!

[ben]

Ari, what is your view in this matter? We need to discuss on these things so that things are sorted out from the base.

Yes Liddy - go via the Credit Bureau, i did in a similar situation and it was resolved.

Mr. White should be fired. He threatened me several times. Later someone else called back acting all nice. He also told me I would suffer severe actions. He wouldn't give me an explaination about anything. All he did was yell at me.

[david]

Liza, a company attempting collections should send you the details of the debt in writing. They are legally forced to do it so that people can review its details. As the company is not giving any genuine explanation, have you considering hiring an attorney? Usually, these companies behave well if you involve an attorney in the process. The lawyer will suggest you ways on how to deal with this company and resolve the matter. I think you should look for a lawyer who deals with fdcpa violations.

I happen to know this company and how they work. First of all, they purchase these accounts. When they purchase your account, they become your creditor. Your contract that you signed is still enforceable. When you read your contract it clearly states that they have the right to debit your account on a bounced check. Next, remember, you where the one who bounced the check in the first place and did not fulfill your obligation of the loan agreement that you signed. Payday loans are exactly that a loan and you have to pay it off. Bouncing your payments causes the problem. Next, ALL of the phone calls at Riscuity are recorded. There is a compliance officer that is consistently monitoring and listening to recordings, so do not believe all these stories of threats and lawsuits.

Finally, Riscuity is licensed in every state they collect in and for those states where they do not have a license they outsource those accounts to agencies that are licensed in those states. My understanding is that Riscuity has now hired someone to track down erroneous posters on this message board who are sending in these false posts and they will be dealt with accordingly. It has always been the company policy that they will not tolerate abusive behavior from their collectors on the phone. It is also the company policy to work out arrangements whenever possible to help resolve the collection account.

Fair warning to those posting false information on this message board. You will be tracked down and dealt with. Remember everyone has a IP address on their computer and that is traceable. So far it has been found that four of the "posters" using different names are coming from the same IP address.

[Not so Lucky]

Here we go again, another employee protecting the company. Is the last paragraph written here considered a threat to the people reporting them? Sounds to me like they are guilty as sin and they are trying to cover their tracks.

[david]

Eric,

how can the IP of a user be tracked when you have not been given the rights from the admins of this forum. Go, get some technical knowledge before you open your mouth. If you need tutorials, I will teach you. My fees will be the amount you made fraudulently from these innocent people.

[Not so Lucky]

Go get'em david.

[david]

I think roxette, mikeyindetroit,Clay can do the needful for us and verify the IP of the poster.

Deadbeats who bounce checks, write checks on closed accounts. Cry-babies that can not stand up to the heat in the kitchen when they get called to pay their bills. EX-employees of a company spreading false statements. So called moderators who do not know their butts from a hole in the wall. People who can not spell for crap. Everyone on this message board should just grow up and get a life! If you play by the rules then you would not get called by collectors!

Hey Ben why do you go vent somewhere else and while your spelling might be okay, you seem to have a problem understanding the forum.. People who post here are not deadbeats.. they are trying to pay their bills.. all they ask is that the collectors play by the rules as well. so get off your high horse and either a)admit that your a collector (not the good kind like Ari and Matt) or b) you should be the one to get a life (meaning if you are not a) and have no debt problems why are you here?)

and by the way have a nice day.

Riscuity has not called us about any debt but they are harrassing our family members that do not have anything to do with our finances. When we call they are rude and tell us they will call anyone they please to get money. We also have ask for proof of any debt as we have worked hard to remove all our debts and do not have knowledge of any debts we have to anyone now other than Mortgage, utility and insurance none of which we are behind on. We have been treated rudely and I do not believe that it is illegal to talk to others about our debts.