It is simple. When a someone asks for proof of debt, it is sent out and verrified by the client and than givin to debtor.It is notated in your account when and what document was sent out. Keep in mind that there is debtors that get the proof and claim they never recieved proof. Thats when the going get tough and how a collector is to deal with a debtor.It depends on how a debtor is acting on the phone. Dont be rude to the collectors>they have your information.(and have families and problems just like everyone else) If you get pulled over by a cop because of something that you may or may not of done, you are not rude to the cop (even though who likes cops)you stay calm and try to explain yourself. The officer may or may not listen to you. and the nicer we are the more likely things will sway our way. Most of the time the cop gives you a ticket. And what do most people say? They say thank you. Same with a debt collector. You deserve the respect and so does the collector. do you think little old ladies get the same treatment as everyone else? No they get some consideration. collectors have to get the facts so they may deal with a debtor in the proper fashion. things are considered for college kids, single moms. people that borrowed money to help their kids. Every situation is different and a collector must be able to READ a debtor.Find out their story and try to give the best arragements possible to each individual.
I cant speak about all other agencies, but ULC you can trust. Do your homework and find out about that company please. they have nothing to fear or hide. Call them ask for proof or help, you may get someone that is rude or someone that is helpful. Just be smart and deal with a collector they way you would want to be dealt with.
Thank you

[jj]

okay so rude guest makes some good points in the post above, so lets consider this.. collection is a business, so in dealing with collectors we need to establish a business relationship and work from their. Remember that validation of a debt is not the same as having proven it in court... the fdcpa is rather vague in that area and so 1)if you are contacted by a collector and truly believe that you do not owe the debt, or are unsure, ask for validation.. if after you receive it and you still are of the position that the debt is not valid it needs to be disputed in writing, citing specific reasons for your position. This should be done to the CA, the original creditor and all major credit bureau's. If that dispute does not lead to an appropriate settlement and collection continues you can either a) litigate or b) wait for the Creditor to litigate and prove your case in court.

If you do owe the debt but are unsure as to the CA trying to collect and the validation is correctly provided, you can contact the original creditor for verification.

Now if you owe the debt adn can't pay it off in full, negotiate.. you have what the ca and creditor want.. money, they will generally take the easiest way out to get it. make arrangements you can afford adn stick to. Also expect and demand that you be treated in a professional and respectful manner ( and treat them the same way). If you are not call them on it, report it, document it and above all remain respectful on your part..

Sometimes its too late to ask for validation or despute a fraudulent hit on your credit file - the dammage has already been done.

If someone owes a debt then they should pay it and work with the collection agency instead of against them. But everyone has the right to be notified that the agency has an account in their name, and the agency has the responsibility to have accurate information when they pull credit files and report negative information. When a cop pulls you over he at least asks you guestions and lets you know there is an issue and you have a chance to explain yourself - wich is not the case with collection agencies.

Sure there are debetors who try to scam their way out of paying, but those of us who do pay thier bills should not have to pay the price.

Its common sence: If you have an account be sure its real before marking up someones credit file.
Be sure it belongs to the person you are trying to contact and make sure you accually try to contact the person.
Dont be nasty or call people liars if they tell you they dont owe money or dont know of the person they are trying to get ahold of.

All of this validation crap wouldnt be happening if the agencies treated people with respect in the first place!

All i have to say is that it is not easy for a company to put information on your credit. Everyone knows that what is on their credit is most likely a debt you ARE responsible for. That is like being in jail and saying your innocent. And also, the responsibility that a debt is paid is the consumers. You have watched court shows. Keep your reciepts. It is the law of the land.
thanks

Recipts? How do you keep recipts for an account you never knew existed?? How do you keep recipts for an account you didnt authorise? How do you keep recipts for an account that was never yours in the first place?

Obviously it is VERY easy for a collection company to file b.s on our files... the comments on the entire forum prove this.

And youre right rude guest, it IS like being in jail and saying your innocent - guilty untill proven innocent at your expence!

If you take out a debt you owe it back. If you didnt take out a debt you dont owe the collection agency anything, including your time, personal information or financial wellbeing. THAT should be the law of the land.

The law is the law. And we can go round and round. If a debt doesnt belong to you the agency has to prove it.(read previous messages)If you did pay keep your reciepts.

So once again, another guest has the answers. Of course the fdcpa is a federal law. And they did a little more that just Jot down a law that is called FDCPA. It was taken in consideration that tactics were not appropriate in the 1970's so a pretty detailed law was made so that consumers could be safe AND the companies that are owed ALSO gets their money.(this is all common sense)the country creates hundreds of million dollars in personal debt and companies pass the expences on to you. This is the world we live in. There is no way that these debts are going away in the near future. So make friends with your collectors. You owe them at least that.(they might be able to help ya out)
And also, these are negotiations that are taken place when a collector calls. Be a smart negotiator.
thanks
rude guest.....but man he is good.

Yes the agecny should have to prove it, problem is, theyre not. All attempts should be made to prove the debt is real, or belongs to the person BEFORE they destroy someones credit. So long as they dont ruin someones credit then its not that much of an issue.

Its too late when they pull your credit file and mark it up. Alot of important things ride on your credit score. It takes a very long time to clear it up and the collection agency will fight you to get the money anyways. The fdcpa is a federal law but it is not being enforced.

Monique -- Notice that your message has been since 2005 -- but I myself had gotten a call from this 'Ms.Lopez' on March 26, 2006 demanding that I pay the amount of $447.71 because I took out a payday loan from January and that information was forward to her company -- she stated that she's from the legal devison and told me if I don't pay that amount by 11am that day -- I will be prosecuted and legal action will be taking upon me and possible jail time. That was the first time I got a threaten call from anyone. I got sooo scared that I borrowed money from someone and ran over to pay the money thru money gram like she told me too -- she said to write to company : National processing - attention to Lopez. Gave me the account # and the receive code -- all the info that is needed for the money gram and told me it has to be before 11am. And so I did -- Until today..I kept on receiving calls from different company threatening me with the same reason -- One being Platium B-Service (company in money gram: Pre-litergation) in Jacksonville FL. for an amount of $700 -- I started to realize that something is really fishy. I started to look up the name of the company and came to find out these are all scams and that I have lost those money. I'm so pist at myself. I hope anyone that gets these people, make sure that you DON'T SEND THEM ANY MONEY. Don't listen to what they have to say -- just tell them to send you a written document and hang up. If not ..they will drill you and scare you. If anyone have any suggestion or comment, please rebuttal. Thx

Sorry to hear that Chandra. Did you accually have loans from these comapnies? Sounds like "Mrs Lopez" has scammed you for money and sold your account to someone else because you fell for it the first time.

Check your credit report to see if they are snooping around in your files.

Thank you 'Guest' I will definately do that. It is against the law that they threaten to get the police to come to my work place she mentioned something about me doing a wire account fraud -- I didn't remember exactly what was said, cuz I got so scare. And another thing is...she even called my brother. They have all of my info. I know I owe payday loans -- but when I ask her what payday loan it is -- she refused to tell me and continue on demanding the money and tell me what will happy if I don't send out by 11am.

They probably dont even have rights to your account.
Start recording your calls if its legal in your state.
If you owe money try your best to pay the original company because the collection agency is making money off you and thats why thier trying to embarrass you by calling your family. Doint let these jerks mess with you.

These last comments are rediciculous. The only true statement that was made from guest is that there is a Ms. George that is a collector there. And there is no way that she broke the law or disclosed any information to a third party as ur brother.The only other person that can discuss your debt is a spouse. And that is not always the case either. And saying that Ms. George was calling for a Legal Matter or saying you were going to Jail is false. There is better, legal tactics than that. I have said what to do in previous notes. But it is funny that the way people think. once again. check the agency and get proof of debt and pay it or make arragements. Oh , and also You said that Ms George said that you had till 11:00 to pay or else? That is called a deadline. Like i said these are negotiations to pay. There is a debt for one reason or another. And collectors are "professional debt collectors" dont be a "professional debtor". Like I said, be nice to your collector and negotiate a fair arragement to pay off your loan. Dont be stupid. Look at previous notes and use the information.
Thanks.....
Call me what u want, dont call me broke.

Ms. Lopez is no longer working there.

It's Ms. Lopez and NOT Ms.George. I was not rude at all. She was the rude one to me stating that I have to pay the money before 11 am or else they will take this into legal action and stated to me that there could possibily be jail time. Call it what you want, Deadline or whatever -- She can't even negotiate a payment plan with me. Refuse to give me any documentation and refuse to give me the name of the loan company that forwarded my info to her. It's all threatening sh*t that I realized after a couple of months that I have been robbed. She(Ms.Lopez) even called my brother stating the issue to him. I never mentioned that she pretend to be my brother. You said that the only person that she can disclosed this info to is my spouse -- and not my brother -- but SHE DID. Cuz he called me about it. Yeah, I slipped once...and now is pist. and will see what I can do about these idiots that are scamming people for money. Ms.Lopez is a b*tch!!! That's all I have to say.

You didn't get scammed. You are just not able to get a loan from a bank or family because you have worn out your credit. These companies are there for you when no one else is. And yea they charge alot, but that is the price you pay when you have less than good credit.

I can also tell that you were not rude by the way your message was posted.(lil sarcasm never hurt no one)

And the only person that robbed you is someone that may have your information like a friend. We all hurt the ones we love. And no one is trying to rob you for a couple of hundred dollars. that is stupid. so common sence tells me that you took the loan out on purpose ..not to pay it back or a friend did it to you. You made your bed, so sleep in it.
good night and good luck

And also chandra, if anyone looks at your notes,you can see you are contradicting yourself about recieving the money. You stated that you wanted to make a payment arragement, and she wouldnt.

You also said that "you know you slipped once and is pist" so that says that you got the loan.
And like i said, Ms lopez is no longer there and for good reason. If she broke the law by giving your brother your debt information-no questions asked -fired. But can you really blame people for that? If I owed you alot of money and I wouldnt pay it back, you would call everyone and there mom and tell them what I did. So get over it.

mini-miranda
"This is an ATTEMPT to collect a DEBT.
ANY information WILL be used AGAINST you."

be a good negotiator and pay your bills. it wont go away.
(and collectors are like roaches, you cant get rid of them)ha ha
thats my story