Quick Question

Just a quick question - when a collection agency just called me they told me that they knew I must secretly have money hidden away and that if I did not stop trying to defraud the world's biggest company that they would take away everything I have and that my children would suffer & even alluded to the fact that they could take my children away from me.

I do not currently own anything - well anything of value of course we have clothes and such - but no home and no car worth the name.

Because I do not own a home or whatnot -- they can not take my children away can they? I am pretty sure that they can not ... but the lady was screaming at me over and over about it and so it rattled me as there would be nothing worse in the world.

Sorry if that seems stupid - it just threw me!

Holy Cow! Where is this %&W$%^ located??? You should seriously call the police department of the city where she works and file some sort of report.

Nobody can take your kids away from you for not paying a debt, unless it is a gas bill or an electric bill, and then I suppose someone could call child protective services or something. Even then, CPS would probably get you help to pay that bill rather than taking your kids away...

Absolutgyrl, never assume yourself to be so weak. You know that the company is using illegal means to recover the money from you. You need to report this sort of matter to the right bureaus.

Make your move legal and ask the collection agency to give you the details of the debt in writing. Under the laws, the CA is required to validate the debt before forcing collections. If they have not given anything to you in writing, send a DV letter through certified mail with return receipt requested. After the company has received this letter from you, they will be forced to stop calling you before the details have been submitted in accurate shape. And, violations of the fdcpa law will result legal actions against the company. You can always consult your attorney regarding this matter.

Regards
Roxette

Absolutegyrl, this is absolutely outrageous. In addition to the steps aboe, call your state attorney generals office and complain big time.

I just joined into the forums and have been following some of them for a few weeks now. I want to say that you have helped (like so many others here) me to understand dealing with the rude collectors for payday loans. I think by reading your forums that I am being stalked by this Ellis & Crosby from you talk about can you sum up for me what I should do. I have 4 payday loans that they are after me for. I have called the original holders and they won't except Money Orders. Like everyone else here I had to close my account because they kept hitting me for fees. I have the Delaware Attorney Generals Office assisting me but I am not sure they are doing a whole lot she has placed calls to them and had some interesting conversations but it doesn't end - I don't think they are taking her seriously about every other week someone new calls with a new phone number and different agency name. Today someone called and said they were calling on behalf of the United Federal Dept. and that they were with the Florida Attorney Generals Office and wanted to know what my attentions were. I told them that I had no intentions until one of them sent me a validation of debt - he wanted to fax, I said no it must be by mail and better yet I wanted a address to send a request for one seeing how no one else will give me an address to send one he said he could not do this. I said well I am also working with out Attorney Generals office and they could tell that to them. He asked when they would be calling - I said I couldn't say but I was calling them as soon as I go off the phone and hung up.

Hi df4231

Be strong on your move. You are doing the right thing while dealing with this collection agency. Remember, this CA has been famous for some of their illegal activities, so make sure that you do not make any kind of wrong move.

Insist on having the debt validation letter in writing from the company. Under the federal laws, you can always refuse to make the payment until the debt has been validated in writing by the CA.

Regards
Roxette

Thanks Roxette

What would you view as wrong moves?

They can't even take a lollipop away from you! Let alone your kids! That's a crock! That woman is a lying 'tard!

You didn't defraud anybody, don't buy into that manipulation either. I used to work for a junk debt collection agency and the best collectors are also the best mastermind manipulators.

If she ever has the brass to call again. Hold down one of the keys on the dialapd and deafen her with that high pitched monotonous beeping. Also, don't pay this agency jack because twith tactics like these, they are surely not to be trusted with even one single digit of your bank account number.

You'll do fine by just remitting straight to the original creditor. Or you can seek out T&C. They're absolutely wonderful, they'll consoldate this, put those charlatans in theit place, and do well to temper all the outrageous "interest" and "fees" on this bill.

While debt is not something to shrug off, it's not something to freak out over either. You'll do fine! Everyone does.

Wow, I can't believe the nerve of them. Threatening to take your kids away is outrageous. I highly recommend contacting T&C. I am currently working with them and they have been tremendous help. They are very nice to deal with. Once you start working with them they can contact all your lenders. Also definitely keep coming back to this site. Everyone here is very helpful and supportive.

Yeah, contact T&C, but more importantly contact an attorney, that is BLATANT violation of the fdcpa, and most likely they aren't going to stop. You can sue for $1000 per violation, then use their own money to pay the debt.

You definitely need to sue them, you have a very good case, I hope their calls are recorded. You need to start recording any conversation you have from them from now on, if your state allows it. You need to contact the attorney general's office and make a complaint immediately, that lady broke about 10 laws probably in one phone call.

And by the way, CPS couldn't even take your kids if you had no electric or gas, there is no law saying that you have to have it. There are many people, i.e. Amish, that do not have these services, it is a religious choice.