Taylor James and Associates threating legal action

I was filing the payment information and discovered that I had already paid MoneyLine a settlement last month. I called David back and he ask me to fax the settlement information, including a copy of the money order I had sent to MoneyLine and he would clear my account. I then got a call from MoneyLine apologizing for the mixup and that their records showed that my account was already paid in full. Now if I can just get the other 2 companies to let me pay them, I would be free at last!!!!!

Kathryn

Thank god that you didn't have to go through this trouble relating to Money line account. You were just at the edge of it. I am happy that everything worked well at your end.

So, have you started the negotiation with the other two companies?

I contacted both of them and they said the accounts had been turned over to 1st Credt and Accounts Receivable Tech. When I called the collection companies they said they don't have my account information yet and would contact me when they did. I tried to work something out with the loan companies but they said they would not deal with me. I don't really look forward to dealing with either of these collection companies since most of the postings about them are not good ones. So here I am just waiting.

Hi Kathryn

If your lenders have still not sold the accounts to the CA, they can work with you. Keep negotiating with them and get confirmed by viewing your latest credit report.

It will be much easier to work with the creditors than working with the CAs. Moreover, an account in collections is a negative remark that will enter in your file for 7 years. You just need to negotiate with your lenders for this account.

I am assuming these accounts to be with the creditors since both the CAs have not received your info. On that note, you can get in touch with them.

Do let us know how things shape up.

Regards
Roxette

Both of the companies said they would NOT work with me and that I had to contact the CAs. I ask if they had sold the accounts and they woul not tell me. They both said I had to contact the CAs because they no longer had my file. Since 1st Credit and ACR have had negative postings I dread dealing with them. I did print off the fdcpa regulations in Title 15, Chapter 41, Subchapter 169c so I could quote them if I needed to. I really don't understand why some collection agencies won't work cooperatively with someone trying to pay a debt. I am not trying to get out of paying the debt, but there sure is a lot of work in paying off payday loans!! So any suggestions on where to go from here. I really would like to get these paid and not drag them into 2006.

The lenders have made it obvious that your file is not with them. Otherwise, they would not have denied getting their money back from you.

Now, you only have the option to work with the CA. Let them call you and hopefully, you get these accounts settled in the best possible ways. Be aware of the fdcpa laws before signing the agreement contract. Read the points very carefully. It's all your agreement with them and the signature that holds the most importance.

I also got a call from Elliot Masters at Taylor James and Associates. I told him that I could not receive calls at work and to please call me at my home phone number. He said okay but I need to be able to reach you. Would you belive that when I got into work today there was a note on my desk where he had called again?

Does anyone have their address so that I can send a letter from my lawyer? This guy is really a piece of work

deb, that is against the law. once you notify a collection agency that you cannot accept calls at work, they are to cease all calls to your work right away.

I just ran across your discussion board while looking up Taylor james & Associates on the internet. I too received a call from them the other day. After 4 tries at calling back an Andrew Edwards, I finally got the chance to talk to him. He says that I defaulted on a $200 internet loan from Whistler Holding. I asked if he could please send me something in writing that proves that this debt is mine. He said that Whistler Holding says they have already sent me that letter--back in April (i don't recall getting something like that, nor do I probably still have it) . He said he could not send me another letter. Also, he said they are prepared to issue to complaints against me with the courts. Basically, one is for issuance of a check without intent to pay (or something like that) and misappropriation of United States funds ( or something similar). He also told me that it is too late to make payments on this debt and he is demanding that I pay $479.80 by December 15. (Thursday). Any advice as to what I should do? I was very calm on the phone and asked what would happen if I fail to pay by 12/15 and he said at that point Whistler Holding would be taking legal action against me.

Hi Deb

Welcome to the forums.

Send a cease and desist letter to the company through certified mail with return receipt requested. This way, you will have proof of your actions taken. Ask the caller to give you the company's mailing address.

Regards
Roxette

Hi Donna

Talk to your original creditor regarding this account. They might help you in giving some details about it. Check your credit report and see the latest standing of this account. See whether this account is under any collections or not.

Taylor James & Associates is scamming people by false collection methods. So, you need to be alert on that note. Before you make the payment, insist the company to send you in writing with complete accounts info and a statement to update your credit report once the account is paid. You will be sure that your money is going towards the correct account.

Thanks for the advice roxette. One question though: I had already asked him to send me something in writing and he refused. Should I ask again? Or should I just go ahead and send the cease and desist letter? I mean, i'm willing to fulfill my obligation to pay this debt if they will just send me something stating how much I owe, etc.

oh--and that's another thing. he offered me a settlement of $479.80 but never actually told me what the total amount owed is. All he said is that the original loan was for $200.

Wouldn't they need to notify me by mail if this were an actual legal firm and they were taking legal action against me? Would they really take me to court over $500?

Donna,

Don't let these calls annoy you further. If it is permissible in your state, start recording the phone calls and specify the debt validation requirement. If it is not permissible, inform the caller that you are recording it for legal purpose. During this recording, mention all points that can cover your basis. I am sure they will back off after failing to have a valid reason.

Regards
Roxette

Thanks Roxette for the advice. I am definitely going to try to get a hold of the original creditor. I'm also going to ask a lawyer friend with some help writing them a letter. I was worried about them taking legal action, but after reading MANY posts on this forum, I realize that I do have a few options. I will take this slow and of course will be fulfilling my obligation to this creditor, but on MY terms.

thanks
Donna

Donna, it is much easier dealing with the creditors. Do keep us updated .

Look I understand sometimes things happen as to where you cant take care of a debt when you'd like...BUT... By having a finacial transaction take place where you dont read the fine print and take time to look at terms and conditions on the contract then maybe your getting whats coming to you... Simply put.. You go to wal mart and buy toothpaste, you pay w/check debit..you walk outside and then place a stop payment or close your account..You walked out w/out paying...You didnt contact these people in the manor it states in contract you put it in the back of your minds...Really read the fine print..It can cost you in the long run....