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Posted: Mon Dec 10, 2007 9:35 am Subject: Help, I got a call from PDM =(

I just received a phone call from a Tina Watkins from Phoenix debt management. She was rude and ignorant. She threatened to verify my employment and attach my wages. I told her to verify the debt and she said she already sent me the necessary paperwork. I told her she didnt and she said she wanted to speak to my supervisor. I hung up on her. Two seconds later, I get a call from Bonnie Bulmer from PDM and she was very nice to me. She said that if I come up with $850(the original amount borrowed) for 3 IPDL's that I owe money to she will get me a PIF letter and have the fees of $450 waived. I told her that I dont have $850 nor do I have a checking/savings account. She asked me if I had family I could borrow from, I told her I can try. And then she told me to get a prepaid visa card to make my payment to her. She told me to call her back Friday with the card information.

My question here is, I do in fact owe them the money minus the fees I paid. But I know it doesnt equal $850. If they are not willing to validate the debt then what am I supposed to do? She threatened that they would call my employer, assign my wages, get a judgement against me with the state of Ohio, etc..etc.. I dont want my job to find out. Crying or Very sad

Posted: Mon Dec 10, 2007 9:38 am Subject:

Aminah, Is this for illegal PDls that they are trying to collect on?

Posted: Mon Dec 10, 2007 9:41 am Subject:

Posted: Mon Dec 10, 2007 9:42 am Subject:

I did borrow the money from them and I still owe the original amount to them. That I dont deny but they are charging me more than what they are owed.

Posted: Mon Dec 10, 2007 9:43 am Subject:

Posted: Mon Dec 10, 2007 9:45 am Subject:

Well honey, dont pay back one cent more than you owe. And if you can not pay it all back at one time., dont. Do not borrow to pay these back. They are illegal. They can not garnish your salary. You need a court order for that. They are illegal they can not get a court order. You did revoke all wage assignments correct?

Posted: Mon Dec 10, 2007 9:48 am Subject:

They are a collection agency....I found this info that goudah posted on another thread:

Phoenix debt management is a collection company specializing in the purchase and collection of delinquent payday loan accounts throughout the United States. Our highly trained associates possess a combined twenty-five years experience in the collection industry and strictly adhere to all Fair Debt Collection Practices Act guidelines. At Phoenix Debt Management, we have a unique appreciation for the difficult situations many of our accounts find themselves in. Our approach is to work with each consumer in a helpful and respectful manner to identify the best possible solution for his or her difficult situation. We strive to be more than just a â€œcollection agencyâ€ and work very hard to utilize fair and creative methods of maximizing our collection results. If your payday loan store has an outstanding debt you wish to recover, contact the professionals at Phoenix Debt Management to learn about our first-rate collection services.

Phoenix Debt Management
PO BOX 11127
Kansas City MO 64119
Toll Free: (866) 504-7548
info(at)phoenixdm.com

Get them a debt validation letter out today!!

Do you need one? I have one I can send you.

Posted: Mon Dec 10, 2007 9:50 am Subject:

Good find Volley. If they are collecting for illegal pdl's is Aminahs salary ok. They can not garnish can they?

Posted: Mon Dec 10, 2007 9:54 am Subject:

what companies is this for?

Posted: Mon Dec 10, 2007 9:54 am Subject:

Well the PDL's that they are trying to collect for are: CMG, TJF, and Arrowhead. Ms. Bonnie told me that she has a claim for $480 but the original amount is $300 for Arrowhead, CMG claims $400 but the original amount is $250, and TJF claims $420 when the original amount is $300. I do not owe the whole original amount.

I just got an email from Human Resources that said: "Heads up, I just got a call from Tina from PDM to verify your employment. She said for you to call her back at 888-622-0222"

Posted: Mon Dec 10, 2007 9:55 am Subject:

Posted: Mon Dec 10, 2007 9:56 am Subject:

Wow, well just be glad that you have someone on the inside, you need to send the letter out today though!

Posted: Mon Dec 10, 2007 9:57 am Subject:

YES VOLLEY! SEND ME A debt validation LETTER RIGHT NOW! THANK YOU! Crying or Very sad

Posted: Mon Dec 10, 2007 9:58 am Subject:

Yes, they can call and leave 1 message per day and can initiate 1 contact per day ( a "contact" counts as you answering the phone and they identify themselves).

Posted: Mon Dec 10, 2007 9:59 am Subject:

do you have the money to send it today aminah?

Posted: Mon Dec 10, 2007 9:59 am Subject:

here you go-

YOUR NAME AND ADDRESS

ADDRESS TO THE CA

DATE

Re: ACCT# <ENTER>

To whom it may concern:

This letter is being sent to you in response to a notice sent to me dated <DATE> Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is not a request for "verification" or proof of my mailing address, but a request for Validation of Debt made pursuant to the above Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

1. What the money you say I owe is for
2. Explain and show me how you calculated what you say I owe
3. Provide me with copies of any papers that show I agreed to pay what you say I owe
4. Provide a verification or copy of any judgment if applicable
5. Identify the original creditor
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit Bureaus (Equifax, Experion or TransUnion) this action might constitute fraud under both federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:

1. Violation of the Fair Credit Reporting Act-reporting inaccurate information
2. Violation of the Fair Debt Collection Practices Act-continuing collection activity on a debt which has not been validated

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing of any information to credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE: I would also like to request, in writing, no further contact, either in writing or telephone be made by your office to my home or to my place of employment, unless it is to provide validation or release of liability of the debt.

Thank you,

<YOUR>

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

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