You Guys Have To READ This

Going to check this out right now. I'll let you know after I read it. Probably just going to raise my blood pressure I'm sure! :twisted:

Oh, I thought it was awesome and stupid on their part. I mean come on, why would you put all that out there for debtors to read. It is teaching them how to be debt collectors, I really learned alot reading it, for me the one that owes the debt, gave me some pretty good tactics on how to handle them when they call. I will keep an eye on this page. Just thought it was real dumb to post that kind of information where anyone could access it. Guess they think we are tooooooooooooooooo dumb.

Actually i don't find it hilarious...it is actually quite educational and quite frankly, good business practices. It is written for 1st party or in house collector. It is meant to be good customer service...however 3rd party collectors could learn quite a bit by reading it.

I read the 10 tips. Didn't really upset me. Where were the other tips located? Couldn't find them.

I agree word for word with SOAPLADY. The article you site is well written, and it encourages professional debt collection.

Ok, guys did not mean to make anyone mad, I have dealt with some pretty nasty collectors, so now when they call, I will be more knowledgeable on how to handle them. I thought it was ironic that someone with such bad manners would put something like this out there. I am being sued by these people. The company they are representing is one of the worst. The girl actually told me that Quote" I would call her crying my eyes out" She was very rude. They have violated several collection laws, it is unreal. Thought is was a very good read, that is why I referred it here. Did not mean it to be hilarious in a funny sense, more hipocritical (sp). They give some real good tips, if they would only follow them or have their clientelle follow them.

Fedup, Wouldnt it be nice if the majority of the debt collectors would just follow the law? I think as long as they continue to get by with it it will only get worse. You are right consumers need to educate themselves to fight back. No one deserves that type of treatment. KYSIDE38

I understand where you are coming from now and why you posted it. If this is the way they have treated you I completely see how this shows them as hypocritical. I'm sorry to hear they have treated you this way.

It is an awesome sight for information though, I originally looked them up to find out some information on who was suing me. I ran across their publications, I have read over half of them and intend to read more, probably all of them. They hit on some good stuff for consumers to know when dealing with nasty lenders. I am not being a mad debtor here, I offered them what I thought was a fair settlement. They have a card they bought, they want $2800, I know they purchased this old debt for a hell of alot less than that. I offered them, $2000 cash, the original amount of the debt, had it in hand and they refused. They still would have made a hell of a profit taking that. They said no, that is when they sparked my fire to fight. Anyway, it is good reading for all, seriously.

That sounds like a fair settlement offer on your part. Especially since you had it on hand and ready to send off. Guess this lady was doing alright and didn't need to see that commission in her check the next pay period.

fed, do you know if they bought your debt or was your account assigned to them?

Do you think that I can send this information to each of my payday loans as spam mail and hope that they read it and find it as amusing?

They are so full of it.

Reesie,
Mine is an old providian that was charged off and bought by CACH, LLC. When I call providian they won't even deal with me on it.

Fed,
Just read the article on bankruptcy stay and must say I love it. For a creditor to be informed by their own attorney about the illegality of it is great. I also love the amount of sanctions given in that case. This is one reason I tell posters about that procedure.Ca's may violate fdcpa all the time beacause it is so cheap to pay off,but bankruptcy judges take a hard view on anyone violating that stay. They mention case being appealed and I wish them a boatload on that. Very few federal court decision get overturned.

I'll bet your glad you posted this huh fedup? I can definately see why people don't want to be a member of this site. Just look at what how your fellow members respoded. It's ok to disagree, but they were downright rude to you. And I expect they will be even ruder to me in response to this.

I have to agree with you Guest.

Sorry,but I don't have anything for collection agencies period.

I don't think ANYONE in America should be subject to having their wages or checking accounts garnished.

Above all, a person's primary residence should be totally exempt.

Some credit card companies will issue credit with high limits to most anyone.

Some doing so fully aware the person they issue the card to does not qualify.
Then, when a person can't pay, they turn the accounts over to these collection agencies who have no mercy at all.
When one lends to a person who does not qualify for the card, they should have
to eat the loss.

Taking the money out of a person's checking account aware the person may have checks that will be run through and returned is low.
Then this person who is already in a financial hardship is faced with more hardship.
Kick the person when they are down!!

I have nothing against assets such as second homes, and luxury assets being up for grabs.
However, a primary residence, vehicles that people use to go back and forth to work, pick up their kids, ect., and checking accounts should be off limits.

Off my soapbox now.

Also, I don't think they should be able to garnish a person's wages and make it impossible or difficult to meet mortgage payments for a primary residence - or the vehicles they have to depend on.

This is America folks. We should not be subject to being kicked when we are down

I think my original post was misunderstood, after I explained my reasoning my site buddies did understand. I love this site and am proud to be a part of it, I am not sorry I posted the original post, I just should have been more clear on my intention.

fed, my post was not so much about your original post.

I don't agree that Collection agencies/Attorneys should be able to garnish, put a lien on your home, or confiscate your vehicle even if the situation is, they are polite & nice, and abide by the regulations.

In the end, if you can't pay the debt, it doesn't matter if they were nice or not.
The person will still have his wages and checking account garnished or a lien put on his home.

Sorry, but I am not for the collection industry or the Laws they are allowed to go by.

Just stating my opinion.

Let's just say my current situation has opened my eyes to the horror many people have had to endure.
I think these many people will probably tell you, when you're fighting to keep keep afloat, a CA's rudeness is the least of their concerns.

Of course, if one is poor or rich, you have rights.
If you're somewhere in between, you fall through the cracks.

I have to admit - I like the use of "thy". Nice holier than thou attitude.

Why do they think they are so much better than other people?

All Collector's are after one thing.

Money

Nice, rude or whatever, they could care less about your situation.
When all the money in my checking account is levied and I can't pay my mortgage payment, the least of my concern will be whether the collector was nice.

What will I say?
Well, now my home is in foreclosure, but the collector was nice.
They have garnished my wages and I can't
We can't qualify for a hardship because we make too much money.



I can't pay my power bill, but they followed regulations and were nice.
We can't qualify for a hardship because we make too much money.
Because we make enough to pay for a house that is above poverty level, we don't qualify, but the collector was nice.
Per my state laws, my 2003 vehicle is not exempt because it is worth over 5,000, but the collector was nice.
Just because my vehicle doesn't smoke and is dependable, it is not exempt
but the collector was polite.

Is it my fault, I am where I'm at.

Sure, but should I have to pay with my home and assets I have to depend upon to survive?




In my opinion, the fdcpa regulations gave the consumer little.
Just a band-aid to cover up the real problems. IMO

Thank goodness for the Senator who is trying to get a Law passed that gives a home owner more time before the lender can foreclose on their home.

These are the real problems that need addressing.

Sorry, hope I didn't offend.

The idea that a collection agency may be better than other collector's, because they have good suggestions on their web-site,just didn't set well with me.



IMO, they are no better than the rest.

They may not be rude and follow regulations, but they will still push to the limit, and recommend that everything you own be taken, if necessary.

I'm with you, guest. They are in the business to get money and make money. The more they can collect, the better for them.

I think it's better and less stressful when they are more considerate. But no matter how nice they are, a person still needs to know their rights and be sure they are not being taken advantage of by the wolf in sheep's clothing.

Sorry, but I felt the need to vent.

It's very simple.
If the Law didn't provide for liens on primary homes:

set the exemption to a standard that allowed a family to exempt a vehicle they depend upon (regardless of it's value):

set an exemption on how much a checking account can be garnished:
based on the account holder's free money after taking into consideration their ability to make monthly payments on their primary home, a dependable vehicle and other reasonable living expenses.

Prohibit garnishment of wages if the debtor earns under a certain amount.

If all the above was introduced into the Laws for collections, there would not be a need for fdcpa regulations.

Debt collector's would then be forced to be polite and courteous and make more of an effort to work with the debtor.

As it is now, they are aware of having the upper hand.
They are aware of having Power over you.

Fed,
I like your post and no it did not offend me in any way.I always like to have different points of view.

Fed, Please dont pay any attention to this garbage. You post very useful information and are sincere wanting to help people. Thanks for all that you do. KYSIDE38

Quote:

People should also be able to voice their opinion's if they do so in a respectful way, without their posts being referred to as garbage.

Guest, Sorry if I misunderstood. I take offense to any one that defends debt collectors and payday loan collectors that are abusive. KYSIDE38

Oh my goodness guys, come on, everyone can have an opinion.

No both of you stop it, or I am telling your father when he gets home, LOL.

I feel seeing all the different oppinions makes the post more productive, pulls out different points of view. We all should be able to express ourselves, at least while we can.
Hey guest, since you have come aboard in a real bad situation you should register. There may be some good advice here for you. We have individuals here that are facing foreclosure, and some who have made it through the process and kept their homes. We welcome anyone who is in a stressful situation, besides your first hand knowledge maybe helpful to some one else.