Debtconsolidationcare.com - the USA consumer forum

Help with a collection agency

Date: Sun, 10/15/2006 - 19:58

Submitted by michael.smith99
on Sun, 10/15/2006 - 19:58

Posts: Credits: [Donate]

Total Replies: 4


Without going into a long story, I took out 7 payday loans last year. Of course I could not pay them all back so I closed my bank account. I contacted all of the lenders and have paid them all back. I am now getting a phone call from someone called Bass and Associates saying that they have 3Affidavits sitting on their desk waiting to be filed for internet fraud among other things. I am scared to death but at the same time I know I paid them off and have proof of who was paid for what. What do I tell these people?


Tell them to take a flying leap and report them to the Florida Attorney General office. They have committed several fdcpa violations and where you have paid all your pdls back, they have absolutely no grounds to collect anything. They are trying to get money on debts already paid. Tell them you are reporting their threats to the Attorney General and the Consumer Protection in Florida. You have proof they are all paid and they are not getting a dime.

Here is a thread for you to check out.

http://www.debtconsolidationcare.com/creditors-information/about13221.html


lrhall41

Submitted by Not so Lucky on Sun, 10/15/2006 - 20:04

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Contact the Flordia Attorney General office. You didn't commit any type of fraud. This company is famous for its threats. Thats how they terrify people into paying amounts they don't owe. In your complaint, be sure to put the persons name that called you, the threat that they issued to you. Here is the link the Florida Attorney General so you can file your complaint online.

http://myfloridalegal.com/consumer

Then click on the how to file link.


lrhall41

Submitted by Not so Lucky on Mon, 10/16/2006 - 05:56

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Hi Michael, did you get the receipts from your lenders after paying off the debts? If not, you should insist the companies for a 'PIF' letter so that you have your proof of the debts been paid off.

Regarding the collection agencies calling you, show them the federal laws about validating the debt to the consumers before passing their illegal threats. Tell them that you are aware about your legal rights and will file complaints with your AG's office and also at the FTC.


lrhall41

Submitted by IncredibleHelp on Mon, 10/16/2006 - 13:32

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