Hess Kennedy Company

Our law firm is taking a lot of bad posts in this forum, and unfortunately, we cannot control who says what. In some respects, this is a blessing, because free speech should prevail. However, because the forum is intenret based, creditors and collection agents can post here as well. I am telling all consumers and the monitor of this message board you should delete any post from a debt collector.

Be assured that people that post ridiculous allegations, such as "The Law Firm is Stealing Money, Committing Fraud," and somehow is getting away with it is just plain silly.

I have said this before, Consumers, debt collectors are telemarketers that will lie. More important, any consumer that follows our instructions has their debt completely eliminated, or settles with .20 - .30 on the dollar and no negative history.

When clients, do not maintain a complete and specirfic log of who is calling them and forward this log to our attention, we cannot help.

Every consumer is told by our firm to read the publications offered by the FTC. Namely, the Fair Credit Billing Act, Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. We enforce these three laws, and it is a simple process.

1. We audit a cosumer's most recent billing statements.

2. We challenge innacuracies under the FCBA.

3. We monitor any vioations of the FCBA during that process.

What happens while my bill is in dispute?

You may withhold payment on the disputed amount (and related charges), during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount.


The creditor may not take any legal or other action to collect the disputed amount and related charges (including finance charges) during the investigation. While your account cannot be closed or restricted, the disputed amount may be applied against your credit limit.


Will my credit rating be affected?

The creditor may not threaten your credit rating or report you as delinquent while your bill is in dispute. However, the creditor may report that you are challenging your bill. In addition, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants who exercise their rights, in good faith, under the FCBA. Simply put, you cannot be denied credit simply because you've disputed a bill.

What kind of asinine request is that? The posters here on this board are volunteers. People who have relevant experience, no matter what side (or sides) of the equation they have been on. The fact that someone collects debts does not mean that they are unable to provide constructive, helpful advice to anyone in these forums.

Using your own logic, perhaps YOU should refrain from posting, as you seem to have an agenda here. In fact, looking at the time stamps, I'm wondering if you are being paid to post here...

And we all know that attorneys are beyond reproach, possess the highest levels of integrity, and are of the utmost character!

I don't know you or your company from Adam, yet I can't help but wonder if the purpose and methodology are being clearly communicated to your customers...

I apologize for calling into play your integrity or skill.

There is a war going on, a war where the Banks are trying to take bookeeping entry loans (credit cards) and turn them into real assets (money, judgments, foreclosures on homes)

The middle class is being effected and Consumer Collection Defense Law Firms are starting to pop up, make progress, sue creditors and debt collectors and teh debt collectors are getting scared and dirty in their play by posting lies.

Edward - can you clarify what your last post has to do with your employer - Hess & Kennedy?

Hess Kennedy Company is a law firm that is a member of a network of Consumer Protection Law Firms actively fightingt predatory lending, illegal, and abusive debt collection laws.