Genesee Valley Associates called from 800 392 3100 & threatened to sue

You story does not make sense. You state in the beginning that you would want to deal with the OC only, then a huge story about how badly the OC treated you?? I am confused. Which is it? The reason the OC was mean to you is there is almost no tregulation on what they can say to you. 1st party lenders do not adhere to the fdcpa. Furthermore, a 1st party lender would not wait until the SOL is up to sell a debt. They sell it once you get charged off. As consumers you NEED to get everyhting in writing. I ahve seen many cases when a "junk debt buyer" has updated to the CRA's but they have dropped the ball in reflecting that in the records...is that the "junk debt buyers" problem? Nope..it's yours. Is that fair..maybe not. The cards are stacked against the legitimate 3rd party collectors and that is why they resort to harsh tactics. Te FDCPA is ambigious at best, and is open to interpretation which is no way to run an industry. If you really have a problem with the way things are, write your congressman, get the laws changed.
As for the part about giving up, whether it is fun to admit or not, CA's give a invaluable service to the country. As a functioning economy, how would we survive if we just collectivley said "it's not worth the stress". No one would be able to afford the credit cards you guys don't seem to want to pay back. So the next time you are offered a 60% settlement on an account, just say thank you. pay the bill and move on.

For the Collectorman: This is my situation. We were going along great had some credit cards, even a bit of money saved up to take care of emergencies. Then I had a baby. This was still fine until I couldn't find any daycare for her so I could return to work. The costs were outrageous. So finally I looked at my budget with daycare and without and found that with working and paying daycare it would cost us more to live than without. So I didn't go back. Things were tight while I prepared to open my own daycare. And by the time the daycare opened things were behind. I always paid my credit cards on time and sometimes early and often more than the minimum. Unfortunately though it did come down to this: I either pay my credit cards and lose my house (along with my business) or I pay my mortgage and lose some of my credit. Guess which one I chose? Put yourself in our situation. Do you think we're all a bunch of deadbeats? Just trying to get over? No we're not. We are all just people trying to make it in this difficult world where things are not getting any easier. You have to think some of us out here are working two to three jobs a piece even with two people in the household working and still nothing. These interest rates kill us and all we are all trying to do is live. I'm not saying that there aren't people out there who are just getting the cards racking up the bills, then refusing to pay because I know a lot of people personally who are that conniving, but I'm not one of them and the people in this community are not either. If so they would have to be really great liars. So, you're barking up the wrong tree. This thread here was started by someone who received a letter from some bs place trying to make a dishonest buck off of some poor sucker. Just think about it.

I didn't realize I had been logged out. This is my story. I'm not trying to hide who I am.
For the Collectorman: This is my situation. We were going along great had some credit cards, even a bit of money saved up to take care of emergencies. Then I had a baby. This was still fine until I couldn't find any daycare for her so I could return to work. The costs were outrageous. So finally I looked at my budget with daycare and without and found that with working and paying daycare it would cost us more to live than without. So I didn't go back. Things were tight while I prepared to open my own daycare. And by the time the daycare opened things were behind. I always paid my credit cards on time and sometimes early and often more than the minimum. Unfortunately though it did come down to this: I either pay my credit cards and lose my house (along with my business) or I pay my mortgage and lose some of my credit. Guess which one I chose? Put yourself in our situation. Do you think we're all a bunch of deadbeats? Just trying to get over? No we're not. We are all just people trying to make it in this difficult world where things are not getting any easier. You have to think some of us out here are working two to three jobs a piece even with two people in the household working and still nothing. These interest rates kill us and all we are all trying to do is live. I'm not saying that there aren't people out there who are just getting the cards racking up the bills, then refusing to pay because I know a lot of people personally who are that conniving, but I'm not one of them and the people in this community are not either. If so they would have to be really great liars. So, you're barking up the wrong tree. This thread here was started by someone who received a letter from some bs place trying to make a dishonest buck off of some poor sucker. Just think about it.

Collectorman: Yes, in my case, the OC was mean to me...however, I would still rather it be them calling me today than someone simply trying to make an EASY buck! At that time, the OC was a smaller company, but has since been bought out by a larger bank/company (one I had another account with, and had no problem coming to terms with to make it right), and would treat me better today. However, the OC no longer wants to discuss the matter with me, because they no longer own the debt. Last time I tried to contact them, they couldn't even find my old account anywhere on record, and said that it was most likely in some storage room because they had sold it...that I would now have to deal with whoever owned the debt! That is now the junk debt buyer...again, trying to make a quick easy buck!

To Billysgirrl: I think the thing that is lost the most is that collectors are real people. I have debt, I know what it's like. I work 2 jobs myself. Most of the problems is not from people like you. I (this morning as a matter of fact) spoke with a debtor who was in a similiar situation as yourself. I was able to set up a $10 a month payment plan until she can get back on her feet. So we are not all bad, just like you guys are not all scum. My point was iot went well between us because she stayed calm realized I was just doing my job and we talked it out. She had a plan in mind and my company had no problem working with her.
For the people who go into every collection call thinking it is a scam and that we are trying to make an "easy buck" I can assure you there is no such thing. Your OC tells us the same thing when we try to get the same validation you do. But instead you think it is our fault. That I will never understand. You complain about the way the system works and then blame only one party! Blame your OC for charging you off. Blame yourself for not paying your bill the first time. Blame your mailman for not delivering your mail on time...but don;t blame legit 3rd party collectors for trying to collect moneies that you owe.

Collectorman: It is quite one thing to work for the OC to collect on a debt. That isn't a problem. However, you cannot deny that the new multi-million dollar business these days is junk debts! These are the folks that are making legit collections look bad, and I hope you are as against them as the rest of us! Like I said, I did my research on these guys! They "buy" debts for mere pennies...and if they can get just 10% of the people to pay something, they are way ahead. And how do they get people to pay? By using underhanded tactics as folks are reporting here...tactics which are in violation of every debt collection law in the country! They call you multiple times during the day, including times that are off limits. When you do talk to them, they put you down and call you names, or tell you that they will have the law knocking on your door to arrest you within the next few hours. Also, as in my case, they refuse you your right to validate if they are even legit!

And why do people automatically assume that the person or agency trying to collect is a scam? Because there are so many out there scamming, that one must protect themselves! I am not going to just discuss my information over the phone with you until I have proof that I should! When you have a company like Genesee immediately go all defensive when you nicely ask if you can have an address to request validation of the debt, you have to know that something is not on the up and up! A company that has a legit claim will have no problem with you exercising your right to have the debt validated! A company that has something to hide? Quite a different story!

Of course, I'm not saying be rude to everyone...but every consumer should assume the worst until it is proven that the person/agency is legit. No one should provide any personal information to anyone over the phone until they can verify who that person is, or at least verify that they represent the agency/company they claim to be representing! That is just plain foolish! It is not about wanting to pay the debt or not, as much as it is making sure your money is not going to a lost cause (i.e., your money never is applied to the actual debt, and you have someone else asking for the same money 6 months later)!

Rude comments deleted!Cajunbulldog

Rude comments deleted! Cajunbulldog

concerned citizen, you not allowed to talk like that to people here. If you cant be nice, leave.

Number one: My baby is just 8 months old. Number two: I have a job. I have my own business now. Two of them as a matter of fact. Number three: I do not deny I have debt that I need to repay and I'm not trying to get out of it. I'm not paying it right now, but that does not mean I will not pay it. Number Four: No I'm not going to pay all the late fees and interest that is accruing from not paying every month. And Number Five: I can't pay every month. Excuse me if I am not rich. Excuse me if daycare will cost me $1148 a month and my bring home pay is only $1517 a month not to mention my hours are from 8 to 6 pm and I have to leave at 7 to get there and won't get home until 7 or after in the evening. Oh and let's not forget the cost of gas to go to and from that's another $220 a month. You do the math. What really does that leave? So I made a decision that would better benefit my family. I have five children. Don't even think about telling me that I shouldn't have had kids. This forum is for real people in real debt situations looking for a place of comfort and relief not a way to get over on creditors. You can tell who the real ones are as well. They are the ones who sign their names to their posts. Who have joined as members. And who post elsewhere to try and help people out who are in the same situation. Not people like you who want to just ridicule people for getting in over their heads. It happens. Not everyone is rich or a genius. If you were really a concerned citizen you would be spending your spare time trying to help people not cuss them and make them feel smaller than an ant. You should be ashamed of yourself. If you don't like what you're reading, then you should do as Lukeskywalker says, and just leave.

Excuse me citizen, but I only defaulted because of a bad situation. I worked with all the creditors at the time, and made good on all but this one account, because the OC didn't want to hear about payment plans, or settlement, or anything of the sort! I was called all kinds of names and was told it was all or no deal! These people would call me AT WORK telling me things like I needed child protected services called on me because I was a bad parent for not paying some loan that I DIDN'T EVEN AGREE TO!!! My ex-husband got me into the deal, then would give me a measly little $500 out of his paycheck to "go toward the bills", and for that, I got to endure being thrown around whenever he got drunk! He wouldn't ever tell me what he made (worked for cash) so that I could file our taxes correctly, and I was scared to death for years that the IRS would come after me (I would just file with the information I knew...my pay and the $500 he gave me), and still end up not getting a refund, and having to pay the IRS more money (as I didn't qualify for EIC)! When he got himself locked up, I then had the legal costs of getting the divorce so that I didn't have to put up with the abuse any longer! I sought some help to get my debt situation worked out, and was able to get all but this one account settled in some way.

Since that time, the OC doesn't even want to talk to me, because they sold the debt off. They could care less about it now. The company that owns it now is a one of those junk debt buyers...you could do your own research on that. BY LAW, they must provide me with an address so that I can request that the claim against me be validated! How can I be so sure they own the debt if they don't provide me proof? THERE IS a new scam out there where folks claim to "own" debts they really do not own. How they get the information? Who knows? How do people who steal one's identity get the information? This Genesee Valley Associates would NOT provide me an address, leaving me to believe they are nothing but a scam! Any legit organization would have had no problem providing the address!

As for getting a job and paying my bills? I have a job....a nice paying one at that! The last 7 years I gained further education through my employer and worked my way up the ladder! I am remarried to a wonderful man in the same career field, and together we make a very good living! ALL of our bills ARE paid on time, and often payments for more than the minimum amount are made. Don't preach to me and call me names because I don't trust this organization that now comes out of the woodwork saying I owe them money, yet will deny my rights to have them prove that they are actually the ones I owe the money to!

Guest: You really should join our community. You can probably share your story with others and help them out a lot. There are a lot of people out there who have gone through some of the same stuff that you have. And just off subject, I'm guessing taht concerned citizen thought we were either the same person or married. How about that?? hahaha

Thanks, Billysgirrrl! I thought about joining a few days ago, but didn't think I could join without having a debt consultation. I didn't see the link until tonight to just join the community!

SubiGirl....formerly Another Guest In Texas

sickened/concerned citizen--you are the reason so many on this site complain about abuse and unlawful treatment from CAs--your attitude is the real reality that most people face when dealing with CAs--you don't care about following laws or how you treat anyone--and somehow think you can degrade people down to your level by treating them terribly--very simple--provide real debt validation--in 90% of cases you can't--or the debt would have already been paid!!! you want to call someone "lazy white trash"?--there is no one on the face of this earth lower than your affiliates or anyone I can think of who could possibly suck more bottom than what you negative feces feeders represent--you think someone should leave the trailer and get their hands dirty?--you instead should be careful that the company you represent doesn't fall under a class action lawsuit where you find yourself in the pokey behind bars having to worry about something getting dirty when ya drop that bar of soap in the shower--I hope everyone here copies your comments and takes them to any type of litigation they have to attend as more proof of how you awful debt collectors think you can treat people!!!!

To the guests posting rude and derogatory comments,this is a family oriented board and everyone will follow the rules or be deleted.

Just so it's said...as a collector, I also do not condone what ever it was that our "citizen" said. I agree that people like that do give collectors a bad name.

Well, we're all human. And as time has shown humans make mistakes. And some of us even get in over our heads and need a lifesaver thrown out. We learn from our mistakes. Those of us who don't surely wouldn't be here.

Collectorman, you have been one of the few who offer sound advice and I thank you for your effort.

My heart goes out to you--you should have never felt smaller than an ant--it took me years of therapy to figure this out--You ROCK girlfriend!-and keep in mind how strong those pesky ants actually are (if you felt smaller than them)!!!Those insults you received and the way you responded to the attack showed your true character--and in the end this is what will count!!! God bless you! and I wish you the best of luck--the only reason you received those comments is because you were strong enough to challenge the situation and fight it with dignity! That's what made the person who attacked you mad!!! Keep it up and I wish you the best that life has to offer!! :lol:

billysgirrrl sorry I am new to the site and didn't put your name in my post but I was responding to what has happened to you on this blog soory for not posting right!

It's cool. Thanks a lot. I have been by myself most of my adult life and I know that I've had this bill piling up here and that one there, but I've made it through. This is the first time that I've actually had someone by my side to help me and stand beside me. We're not out of the dark yet, but we're going to keep pushing. This is also the first time I've ever owned my own home. And to get into a bad loan right from the door. Ugh... We talked to some counselors that said we make too much money to get help, but yet they can't understand how we're even buying groceries. My husband says it's all because of me though. But still. We have a plan and if we can just keep making it through these next few months a lot of good things are going to happen. Thanks again. It's nice to hear that I'm doing something good...

Hi

Yes you are doing something good. But what surprises me is your inner strength. Your belief in yourself that has given you the strength to see the good things amidst the darkness. Keep it up

Good luck n take care
Nelly

Thank you all so very much. I've always tried to remain positive even though things get me down. At times things have gotten the best of me and I let myself sink into a depression, but once I realize that that's not going to help things I somehow pull myself back up. I think the biggest stress for me now is my husband. He lets things get to him and get him down and I can't pull him back up. I keep trying but nothing I've done so far has been useful. He gets very stressed at the fact that our credit scores are going down because of not being able to pay the bills, but I tell him that we just need to keep our heads up, stick together, follow our plan and we'll make it through. His company has been hinting around to a really big promotion for him and if that happens then we'll be on our way to living absolutely debt free and no more paycheck to paycheck. Hey, we might even be able to refinance our house for a better rate at that point too!!

Bill Collector, Guest, apparently you are just as uneducated on the law as your fellow colleagues. Quit harassing people in an unlawful nature and forums like this will not be as prominent. Just because someone has debt does not mean that they have no rights. Take some time to figure out why you are so miserable that you must work in an environment of bullying other people to make yourself feel better. If you have done nothing wrong, you should have nothing but a positive response to "deal with my lawyer". We are aware of our rights, maybe you should be too.

"Bill Collector"/"Guest" comment on first page. Just responding to that :) (see above)
My comment is meant for the Bill collectors and guests on here supporting their unlawful actions. Didn't want anyone to think I was harping on those that I'm not :)

What can I do, if 'the law offices of John P. Frye, PC, keep calling my employer, wanting to speak to me about a small debt? I have asked them numerous times to discontinue calling to no avail. Of course I have found out that this so called attorney is nothing more than a bill collector, disguised as an attorney - Atlantic Credit & Finance, Inc. They have actually said that they will call all my friends and family if I avoid their calls - isn't that like an invasion of privacy? Harrassment? Can I legally file a complaint with the police? Can I go down there and legally drag them out into the street and stomp a mud-hole out of their face? LOL!

Send them a cease and desist letter requesting that they do not contact you at work. Send the letter certified mail/return receipt. If you receive receipt that they have received the letter, and they continue to contact you at work, that is a violation of the Fair Debt Collection Act (and depending on your state, may even be a violation of state laws), and you can and should file a complaint against them. If they have verified your home phone and address, and continue to call your friends and family, that is also a violation. They can only contact friends and family if they cannot locate you, but must cease when they have verified your whereabouts.

wGenesse Valley has been contacting my parents for a debt that i ????owe of like 141.00 from 2002!
I called them back to tell them to stop calling my parents. And that i had previously sent a letter for justification and proof i owed that amount and never heard a response. They basically called me a liar. So i told them in that case you can keep that debt on my cr and ill wait another year and a half or less for it to fall off. When i went into the military they never sent me a bill even after i sent my new address many times, she says well you were in the military we couldnt get ahold of you! Umm no??!!
I paid my bill for over a year straight always on time! And when i go into the military you stop sending my bill. For 141.00!!! You can keep the debt, but dont harass my rents!!

my suggestion first of all is to report them to ftc -your state- and local attorney general- all can be done on line or by phone complain to everyone you can think of ( they think they are being cute by contacting your parents --tell your parents to hang up on them very simple) don't give them any respect or consideration because they obviously don't have these words in their vocabulary!

Profane post removed. Next time the user will be banned from the board without notification. - Mike

Debtee, if you updated your address with the OC a hundred times, it would not matter if the bill was already charged off. Depending ono what state you are in, the account may still be actionable even if it falls off your credit report. A collection company has the right to contact your parents, your friends and anyone else they have to in order to locate you. Unless they disclose the fact that you have a debt it is legal to do so. If we know your parents are lying to us, we have the right to call back. Accounts change hands many times after they go to collections, so assuming one collection company knows the entire account history would be incorrect. Calm down, take a breath and explain it to the collector calling and you will be a lot better off.
Hanky- if your first reaction is to report someone-YOU ARE THE PROBLEM. You don't know the whole situation. So don't give advice until you do. Ask the logical questions. Find out information, then if it is plain to see that the collection company messed up-report them by all means. But until you know the laws we have to follow, don't try to call us out on them.

Quote:

I was not the one who posted the first quote...so I can't answer that one.

As for the second quote, I just did not flesh out my idea enough. I meant we have the legal right to call your relatives back if we know that they were lying to us. I didn't mean that I assume it. I apoligize for the mistake.

I would think, if the parents tell the CA to stop calling, they should. Am I confused?

OK. CTRL-C, CTRL-V, straight from the fdcpa.

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall --

I skipped to this part.

3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;

The way this reads to me, the CA can only contact the parents once to verify location information, or if the parents ask them to call back, or if the CA think the parents might actually know the location of the debtor.

Where many CA's cross the line, though, is when they keep calling the parents and are pretty much calling them liars, and they need to tell them where the debtor is; that's harassment pure and simple. Whether or not the parents actually know, it's not up to the CA to call them liars. Or keep calling when the parents tell them to not call back. Or ask the parents to give the debtor a message; it says nothing about using the parents as a messenger service. Or divulge to the parents why the CA is calling trying to locate the debtor.

When the CA starts violating the FDCPA is when other steps need to start being taken by the debtor. Like filing complaints with the FTC, BBB, and their state's AG's office. It seems to me, if the parents are being harassed by the CA, they should do the same. Also, contact an attorney and file a lawsuit for any and all violations of the FDCPA.

The only CA's that should look down on this site and these forums are the ones violating the FDCPA. The honest "well respected" CA's really should have nothing to worry about, or be intimidated by this site.

Just my thoughts.

Wow. I can't believe that Collectorman is still trying to argue this months later...

wow it amazes me that an obvious debt collector who had their terrible comments deleted that I as an anonymous guest originally stood up for billys after they made unforgivable comments towards her-- and then those terrible comments were removed--then later collectorman said they weren't the person who made comments and I don't even care who made them--and now collector man tells me that I am "the problem?" No dude--the problem is you people in this business who think you can harass and scare and degrade and call people all kinds of names--you might have legal rights to do things but please follow the laws when legally doing so--and everyone here in this country should not trust any collection agency from what I have seen and this is only my opinion collector man--just as you have your opinions--and when you collectors start following laws that in my opinion at this point haven't been regulated sufficiently and NEED TO BE REVAMPED--I hope and pray that I and everyone else in America will be "the problem" for collection agencies that you have accused me of being--I can give advice to anyone here --no one has to follow my advice collectorman! This is a freakin forum--not rules to live by! But I am so glad a collectorman considers my opinions a problem--because from what I have learned--your power over people is the false illusion that scares people into bowing down to you!--collectorman please register as a member and show your true identity! In my opinion collection agency violations aren't reported enough and that is why they continue to operate with the bullying tactics so many of them employ --collectorman once again I AM SO FLATTERED THAT YOU CALLED ME A PROBLEM!!! your industry is a huge problem as far as I'm concerned and I love the fact that you actually think I am a problem! :D and Billy's I hope all is well--I was so angry when you got attacked on this sight that I stayed--and maybe I don't know the laws but by golly I do know when things are not right!!!! and as far as I'm concerned I think collector man has been the one here all along making terrible comments that were removed and is still just playing little collector games! But I am so happy that collector says I am the problem :P :P :P take care Billys!

Quote:

Ok...to clear up a few things. I am still fighting this point months later becuase it effects my job everyday. Although I collect strictly by the law, I have to deal with debtors cursing and screaming at me daily for doing nothing but simply making a phone call. The reason is the sterotype that all collectors as scum is what I set out to change by evening comeing to the board. .
Hanky-please get over yourself. I meant your way of thinking, not you specifically. As a collector I do not have the luxury of being able to mage broad generalizations, I have to deal case by case. They same way you should when dealing with collectors. Just be nice until they prove themselves otherwise.
I do agree with you on one point. Collection laws need to be re-vamped. The reason so many agencies resort to those methods is they know they can get away with it. I am actually in favor of complaining about the agencies when they break the laws. Those agencies breaking the laws makes my job harder. My only point was to know the laws before you complain about them, and to not blanket the whole industry for what a few do
Soaplady- The way we "know" they are lying is by cross-referncing the information with other relatives. I had a mother once who swore her own son was dead--3 seperate times--eventhough the rest of the family said he lived with her. They gave me the legal right to call back to her residence and question the validity of her statements as provided by the fdcpa.

Let me ask this question. Is it coming out of YOUR pocket? I mean ok, it's your job, but unless it's money that goes directly to your pocket then why get irate and belligerent with people? Sometimes people get down through no fault of their own and can't get back up. You calling and harrassing them isn't going to make it any easier. Do you get some kind of commission off of the money that you collect for other people?

Billysgirrl, yes. Most collectors do make a commission. Most collection jobs are set up like a sales postion. Very little per hour and then commission. That does not mean that people deserve to be harrassed anymore. I do not or have not ever condoned that--at my job, or on this forum. What I do condone is open communication between you and the collecotr. I in my job am more apt to help someone who is in your situation, then someone with an attitude towards me. Just let your collector know what is going on and most will try to work something out. Most.

Collectorman,

I'm sorry then, I must have been getting collected on by all the worse CA's then. I tried to explain, to everyone that called, that I am unemployed due to medical a condition, haven't been employed since February of 2007,have been unemployed for X number of months (just kept adding up the months as it progressed), don't have any income whatsoever, am on Food Stamps, have applied for social security disability, and don't know when/if I'll ever be going back to work. I would still have them ask me how much I can pay. I even had one bee-yotch tell me she didn't want to hear my excuses, started yelling over me, and said she was going going to mark me as a "refusal to pay" (Whatever!). I even had one attorney, acting as a CA, serve me with half-@$$ed papers, which an attorney at legal-aide got dismissed.

At my lowest point, I had one CA's message affect me so badly I contemplated suicide!

So, in my humble opinion, you truly are in the minority. The experience I have had with CA's over the past several months have been anything but pleasant.

Still, you might be a bright light on the horizon. If you can work from within the industry to cause a shift in the way CA's do business, while the rest of us here educate debtors to their rights and lobby for changes in the laws governing CA's, then forums like this will no longer be needed. Until that day comes, and we all live in harmony holding hands singing Kum-Ba-Yah, I am thankful it exits!

Ron believe it or not,you are dealing from a position of strength right now. You have no income or readily attachable assets so it would be pointless to threaten you with anything.

I really don't want to admit it, but Cajun is right! If you have assets and no income there is nothing to worry about. Let them know that, upfront, you have no assets, no income and are medically disabled. If after that the next question is not if you can borrow money from anyone then just hang up. You can use this to get a VERY low settlement, if you have anyone willing to help you in lump sums! Good luck

Cajun, you are right; however, that didn't stop them from trying.

Yes, I'm aware that I really have no assets to go after; however, that still didn't stop that attorney's office from attempting to sue me. I had told them repeatedly, over the phone, my situation; when I was still served the papers, I phoned them and told them the same thing. Didn't listen. It took an attorney, from legal aide, to represent me to get the case dismissed and to make them listen. Some CA's only want to hear one thing, and if it isn't that you're sending them money, then they don't listen to a thing you say. That's just been my personal experience of late.

And no, I'm not willing to ask friends, family, neighbors, or strangers in the streets for money to pay my debts. That's pretty much creating another debt in order to pay off an already existing debt; makes no sense to me. Applying for food stamps was humbling enough.

I've thought about filing bankruptcy, the only problem is you need money in order to do that. Takes money to declare that you have no money. How logical is that?

Not trying to start a heated debate, I was just trying to give my situation as an example of how some CA's push the limits of the fdcpa.

confuscious say ...collector man do good in laundry business--(very wishy washy)....

i read this forum from the beginning and i wish that collector would sign up so that they could give advice to people. i feel that the advice they give could be very valuable and also all the backbiting would cease. collector, you don't have to reveal who you are or where you work, just help give advice on how we can handle debt collectors who are doing illegal things. just give it a thought and help us. :)

Ron, I applaud you. I'm glad that you finally got through to someone. I know how tough it can be with everything that's going on. I agree that asking family, friends, or strangers for money is just creating another debt. And who wants that? I've been asked by many CA's before how much can you pay, and when I give them an honest answer of $1.00 they scoff in my face. I am lucky now to have my husband to help with all of this, but I remember before him when I was a single parent of two young boys how hard it was to do things on my own. I worked two jobs and still couldn't pay the bills. I'm looking for a third job right now because we just don't bring in enough to pay off all of this debt. And it really pushes me to the point of depression and suicidal thoughts when they call the house from 8 in the morning until 8:55 at night. It's draining. I have so many people trying to collect from me it's not funny. I'm glad you have been able to be this strong for this long. Just hang in there and keep positive. That's what I am trying to do everyday. It does help.

Granny....that is what I have been doing!! Any kind of question you have, please ask and I will give you the collection company's angle on things. I am sure that there are some that will give you other options!

Ron, check out how much filing bankruptcy would be with a legal aide attorney. It m ay be your best route. Also, you have already been to court and walked out ok, so no worries.

Happy Thanksgiving Everyone!!

okay so everyone pay collectorman and he make big comission and maybe will stop flaming on soght being nice when feels like it and awful when says it isn't him/ her actually that is most likely is--wish sight could actually trace I>P> and find out for real but we all know that's never gonna happen! :o :o

don't ever believe a collector man or perhaps collector woman who is member of this sight and posing as a collector man in disguise--please verify IP addresses and block this nonsense from members who chose to post as guests!!!!! please!!!