John P Frye Law Office ripping me off, what can I do to get out of it?

Yes I got many calls from John P Frye Lawfirm. I believe it is a fake company set up for Identity theft. They asked me not only for my bank account number, but my debit access code. I am speaking too my lawyer about it. He also herrassed me even though I was setting up a payment plan. He used foul language and brought up my car payment which he said was a thousand dollars when in all actuality it is only 500 and he then began too downtalk my dad for not paying off my credit cards as well as my car while I am unemployed. If it is a lawfirm in deed they are conducting thereself in an unbusiness like way. Not too mention they got a phone number which is not registered too me. So not only do I feel necessity too take legal action, but the people whom he has offended and reached are talking too lawyers as well. According too a news website they have had in the past 3 years over 100 lawsuits against them.

Yeah I agree if I'm agreeing too pay why does your lawfirm continue too too be rude with me?

Bleh, I hope that you didn't give them your banking information, if you did, close that account and open a new one immediately.

Charleston, this is a debt forum, not a law firm.

It is very simple-call his Mechanicsville office and speak to the "real" attorney, Michael Katzen.

Here's how it works-Katzen does the real legal work, Frye diddles the debts. Katzen has had it.

In Roanoke, the "law office" is colocated with Atlantic Credit and Finance. No lawyers there. The only lawyer at the Law Office of John P. Frye is Frye himself.

Tell Katzen he's looking at yet another bar complaint. I did this, he settled for $500 on a $18,000 debt. He knows his license could be taken away for the crap they pull.

You might also find the stories at johnpfryedebtlawyer.blogspot.com useful, especially the ones about Frye's fascination with bombs!

Tabby are you his wife, his mistress or what because you seem very passionate about him.

And yet Tabby, you still seem to lump it all together.....you are forgetting the one fact: People have the RIGHT to full validation, because it has been shown over and over again that these companies DO charge more interest and fees then is legal, or try to get people to pay using tactics that are downright illegal. You say that if you paid a bill, send in the letter...well what about those debts from 5+ years ago? No one keeps that kind of paperwork around, do you? It is a simple fact that the burden of proof is NOT on the debtor, but on the one trying to collect...they HAVE TO, BY LAW provide the proof. If they state that the interest is legal and in the contract, then they dang well better produce this so called contract. I don't know how many times I have spoke with collectors (and yes, one from Frye office as well) on a couple accounts that were questionable. I asked for the paperwork that is my right and yet they can not provide even a shred of proof. Of course I am going to tell them to stop harassing me. And I do sue them for these illegal practices, and I win...so there it is there.

Let me ask you, you say that you pay all your bills...so you also pay those bills that you personally find questionable? Just any old shmo can can call you up, demand money and you run right to your checkbook? Must be nice to have money to burn like that.

Well stated Golden.

Before even talking too a debt collector look up a law called the fair debt collection practices act. Make sure he has a surety bond that he has filed with the secretary of state too legally ask you for money Take John P Frye for example since he is a 3rd party lawyer that may not be in your state his office is in virginia. He represents a bank that purchased an account after it has defaulted he is not the original creditor, which he even states that the original creditor no longer has interest in your money. He is in no position too threaten you with an arrest or state that he can sue you himself,or use innacurate information, or even use foul language which he used with me, and also interrogated me about my dad and provided false information about my car loan which all 3 are against the fair debt collection practices act which was instated in 1978 too protect people against firms like John P. Frye.

Quit calling this # April Roberts does not live at this # QUIT CALLING NOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Guest, no one from this forum calls your #. Why don't you call the number back and get an address and send them a C&D letter.

i work for the law office of john frye which you all are completely bashing! i, myself, do not violate fdcpa and know for a fact that they are very strict with their policies. For those of you who feel the need to bash the company the only thing i have to say is "had you not defaulted in the first place, you would not have to deal with a LAW OFFICE" we are not some joe shmo collection agency. We have serious guidlines and serious consequences for not following them... so before you go and marr someones name, why not think about the steps that got you to that point...

Guest, why don't you get a copy of the fdcpa and really study it. You are blowing smoke that nobody believes. If John Frye was not violating the law, he wouldn't be bashed.

The secret: call his Mechanicsville (area code 804) office and complain to Michael Katzen. He's Frye's partner and hates this stuff.

Tell Katzen he has 48 hours to fix it or you're filing a Bar Complaint. I did this. Frye settled for $500 on a $27000 debt!

What a joke! These are guys hiding behind the name of John P Frye, with little training, earning mimimum wage. They get a percentage of the money collected, which is why they want it all at once. They very easily give out information on people, to anyone. Isn't that some kind of violation also?

To Guest "i work for the law office of john frye which you all are completely bashing! i, myself, do not violate fdcpa and know for a fact that they are very strict with their policies. For those of you who feel the need to bash the company the only thing i have to say is "had you not defaulted in the first place, you would not have to deal with a LAW OFFICE" we are not some joe shmo collection agency. We have serious guidlines and serious consequences for not following them... so before you go and marr someones name, why not think about the steps that got you to that point... "
Then let me ask you this. I spoke with someone from JPF, told them I was working with a debt management co. They told me that they do not work with them, then proceeded to tell me that they could work out some payments and I could pay by transferring money from a credit card, borrowing from a bank, etc. I told them that 1) I have no credit cards 2) I have no funds in the bank and 3) My credit is shot right now and I can't even borrow money and have no relatives that could even loan me that type of money. I also told them that CC are the reason I'm in my current situation. I can't believe that they would ask to pay them by using another CC. The other day I got a letter from them stating the same....use a credit card to pay them.

I believe, and someone correct me if I'm wrong, it is a violation of the fdcpa for a CA to request you to borrow money, or in fact incur another debt, in order to pay off a debt. I'm also reasonably certain the old request from a CA for someone to "give us a post dated check" is also illegal.

Also, I would never agree to a payment arrangement with a CA that I know I cannot afford. They will pressure to do so; however, it just causes more problems down the road when you cannot keep your agreement because you cannot afford it.

Interesting, I didn't know that it was a violation for them to request you to incur another debt. I had even some of my OCs suggest that maybe I could do a balance transfer to another card in order to pay them. And I had a CA pull a copy of my credit report and tell me that my Chase card was still active and still had room to pay them with it (which wasn't true).

In the letter that I received from JPF about payment, it says, "For your convenience, we accept the following payment methods: Personal Check, Check-by-Phone, Money Order, MasterCard, Visa and Western Union."
That's what I don't understand. I have cc debt, but they want me to use a cc (if I had one) to pay them.
They made a nice offer with the debt company that I'm working with but my debt company does not do payments. The offer was nice, but I told me Debt company that if I could do it I would but can't. So far, my debt company is working and I'm happy.

I did what the guy said. I called (804) 746-3296 and there are voicemail options for both Frye and Katzen. I left messages. Katzen called back.

He said he was tired of the calls but wanted to work with me. He said he could take $1200 for a $26,000 card debt if I did it in 48 hours.

So I borrowed about $500 and it is on the way. I think this is the way to go. Do not waste time or get heated up with the collectors just talk to Katzen. Katzen said Frye has no idea of what is going on and is never in the office.

The web site with this info is good, johnpfryedebtlawyer.blogspot.com and it points to collectionagencyhallofshame.blogspot.com and I liked that one too!

Happy, let's see how happy you are when they either sue you or sell your account to another JDB. I would never send a CA or CA attorney any money without a written agreement. Good Luck!!

That one doesn't pass the sniff test with me. $1200 on a $26,000 debt? Or did you mean $2600? Regardless, any remaining balance will likely be sold to another JDB as the Guest above stated.

Happy & King- Did you get any written word from Katzen that he would not re-sell the loan? Is HE legit?

I also defaulted with Household Bank and the "Law Office of John P. Frye" sent me a letter. So I called them back and they demanded I make a payment of at least half or else they are going to sue me. Well, I canot come up with half so I guess they will have to sue me. But if I don't have the money, how are they goin to get money from me when they sue? Doesn
't make sense...

This is the worst and hateful people I have ever dealt with. I owe 600.00, and they wanted 400 of it on the 30th of the month. I have been sick, and won't get paid, but they could care less. She said that she would send me out a letter, and I have 5 days to pay it. The thing about is is, the bill is under my divorced name that has been 15 years ago. they are the most rudest people that I have ever dealt with.

Is the debt 15 years old? If so it is beyond SOL.

where you able to make payments or did they want 100s of dollars in 5 days

are you kidding me? Go tell them to F*CK themselves that you are not paying it. It would cost them more to go to court and sue you though they might be dumb enough to try it. If you aren't worried about your credit, you have nothing to worry about, IMO.

They don't care if you are sick. I told a deb collector I just had surgery, I have cancer and I have no income or assets. They told me to borrow the money from a friend or relative.

Now they have a judgment against me. I purposely motioned to vacate so they can waste more money on an attorney and I lost. So now I am going to file chapter 7 and they will not get a dime. FUC* THEM LOL!!!!

These jerks are calling me too. They demanded the lump sum settlement and said they will not take payments. They also would not accept a check via mail. They told me the only form of payment they accept is over the phone. Scary! They suggested I borrow money from friends andfamily, open another credit card t pay them, even that I use a frind or relative's credit card. When I told them to go ahead and sue me she would not let me off the phone. You see, the phone bullies work almost entirely on commission. It is not in their interest to escalate the case. I started searching and found out this-

John P Frye is an attorney. His ENTIRE practice is collecting debt for Atlantic credit. He does no other work, not even collecting for other agencies. Atlantic credit is run by Frye's two cousins. Essentially , Atlantic Credit is not a client of Frye, they are one in the same.

I too read that Katzen is the guy to talk to. He is sick of the crap but has a lot invested in the practice so he settles it for far less money. It looks like a lot of people are just sending him money FedEx without any written deal. Do I need tosay this is a bad idea? It sounds like part of the scam to me. Frye and his bullies piss you off and Katzen comes behinf to clean it all up. Meanwhile they all make a buck on the debt they bought for next to nothing! Be careful. Don't let your desperate situation force you ino stupid decisions. These jokers are making things worse, not better.

Well....this company is aweful.....I also got a letter. I called, and the guy was a total a*#!! He talked to me like no other person ever has....I told him quickly what I thought.....I asked to talk to his manager. I also was given an altimatum....what jerks!

A 15 year old debt will not impact your credit score in the least as it is way beyond the reporting period. If they sue you, you simply motion to dismiss with prejudice due to it being way beyond SOL. If they threaten to do anything, you have them over a barrel because according to the law, they can't threaten anything they can't do, such as sue and whatnot.

I AM JUST STARTING TO DEAL WITH THEM FOR THE FIRST TIME, THE FIRST LADY THAT I TALKED TO COULDN'T HANDLE THE PRESSURE, OR COULDNT ANSWER ANY OF MY QUESTIONS SO SHE TRANSFERED ME TO SOMEONE ELSE. THAT JUST SHOWS THAT HOW THEY ARE DOING THINGS IS NOT RIGHT.

I'm also dealing with them and they are the rudess people on earth. The first lady I talked to also couldn't handle it so she
transfer me to another Lady who is a bat out of hell. She even suggested that I don't pay my mortgage so I could pay by credit card, can you believe that I told her you are crazy and I'm not doing that.

I am dealing with this attorney's office and have made several attempts to make payment arrangements. It's the same woman who makes the call and then it's the same man that comes on the line. He quickly tells me he can save me money but he needs the money right away. He won't work with me on a timeline and furthermore he has told not only myself but my new husband (whom they did not have permission to discuss with) to postpone our house payment. What are we to do?

Well they has by HSBC account and i decided not to pick up the phone and they sure enough did sue me! You better watch out!

Are usually the ones who "don't pick up the phone"....meaning that they probably aren't aware that if they send the Collection agency a Demand letter requiring them to completly validate your debt...then by law, they must reply..

I would send them a "Cease and Decist" letter telling them not to call you. This is your legal right. You can send that typeof letter to any debt collector, even if the guy is an attorney. Then ask for them to send you collection letters through the mail to deal with your debt. This will slow the collection preocess and allow you to file for bankruptcy if you need to.

howz about including a debt validation LETTER as well.make this rent-a-lawyer prove they have the right to collect this debt.that is also your legal right as well.

JPF i legitimate Law Firm that works in behalf of Atlantic Credit and Finance, and the only reason its been handled by an attorneys office is becouse your original creditor refuse to work with you anymore, you should be mad at them for not telling you they were selling the acct. As per the violations, tell me of one collection office that doesnt have one collector that is overboard, and they usually go out the door, and in regards to them pressuring you more than NCO, well NCO is NOT A LAW FIRM. And yes JPF can sue you if the law permits it. I hope people read this before they talk about things they dont know.

NCO has been sued dozens of times in Florida alone according to my attorney. I was one of the plaintiffs. I do not think that it was all from the same overboard collector as you put it. I would suggest the you get your facts straight before you post anything. I also deleted your duplicate post and would also highly recommend you proof read before you reply.

Anyone still dealing with them? I have been dealing with them for 2 years now and they have been absolutely horrible!

File against them. What state are you in?

Thanks FrogPatch!

A little proofreading can really go a long, long way CollectorCorrections. I got a freakin' headache trying to read your post.

Glad Frog deleted the duplicate post, would have probably got twice the headache.

Hi everyone,

So, I have dealt with JPF in the past. I incurred some debt through a CC with HSBC. It went into default and was sold to JPF. I remember (the first time I was contacted by the was 2005 or so) that we made payment arrangements, and paid. We paid for awhile, and then some stuff got in the way... ending in divorce. To be honest, even during the debt-settling talks that my now ex-wife and I had, we never even mentioned this debt.
Then, a week or so ago, I got a call from JPF, saying we hadn't made a payment in 18 months and we had to make one this month. Well, we were both blind-sided. We thought this had been paid off (through a settlement that I thought we had made with them). Thinking on the balls of my feet, I asked them to send a letter verifying the debt. They have done so, but I am sure it is not enough to VALIDATE the debt. I think it is just verification. I think I am going to use one of the templates that I have seen on here to get the debt validated. What does everyone think?
In addition, I am getting multiple calls per day about this, and the number always shows up as (000) 000-0000, so I don't answer it, and they only leave 1 message a day. I think that I want to send a partial C & D letter, but only to make sure that the rest of the communication is in writing.
However, I do NOT want to get myself in more trouble. Would either one of these letters put my file in a different place, labeling me as difficult or "let's sue this guy right away?" I know that sounds stupid, but just curious.
I am willing to pay my debts, but because of the divorce and the fact I don't make enough money, I want to set up a payment plan. I did so in the past with JPF and never had any issues with them taking more money than agreed upon or anything.

Sorry this is so long. I honestly just want to get out of this month without making a payment (because I had already made my budget for this month and a payment that came out of nowhere for me would seriously screw me up). Like I said, I am willing to pay this debt, but honestly thought we had. (and because of the divorce, I have no freaking idea where the paperwork for this stuff would be).

Ah well, thanks for reading, and hopefully will get some responses.

Come on people this entire blog seems to be what they Law Office is doing wrong when if you would just dig up some means, some way to fix the debt they wouldn't even be calling you. Granted we all fall under hard times and right now this is a huge issue but if we all could just fi8nd a way to fix these types of accounts this country would be in much better shape. You here all this talk about toxic assets , well here you go. Fix the toxic assets, do your part, stop listening to these cheesy Attornies that are actually the world's best professional Debtors, not all of them but a good portion know how to rack up that card and let it go legally. Do that right thing you used the money , YOU SHOULD PAY IT BACK.

Yeah you are a very professional firm, Now I will go vomit. Go back to your cubicle troll from Atlantic I mean John P Frye.

http://www.roanoke.com/news/roanoke/wb/xp-10931

I am sorry but if a law firm has more than 300 employees, they are not a law firm. They are a toilet that hasn't been flushed.

http://www.wsls.com/sls/news/local/article/atlantic_credit_finance_cuts_workers_legal_services/26688/

Yeah and not to mention all the lawsuits against the law firm for FDCPA and FCRA violations. You make it sound like people purposely are not paying their bills. If they don't have the money you can't get blood from a stone. That is why companies are insured. Nobody owes the law firm a dime. They never did business with the law firm and without proof, you can't collect.

Now go snort some more cocaine.

i delete the troll spew.by the way christina.i let your idiocy stay because i want others to see what a nimrod you are.

You people have to understand that suing a company for violation of FDCPA isn't much because the individual collector made the decision that the nice check they get is worth violating the law. Usually they are caught and if it is a serious enough offense (degrading, cursing, etc) they will be terminated. It is insane to think that this agency teaches their collectors to violate the law. While they are a CA and they do have a difficult job... they are incorporated and they have attorneys and they must cover all bases, the individual collector can be sued as well.. and they're not going to contribute to the delinquency by teaching things that are illegal. It may be rude to you, but its not illegal, it may be unsympathetic, but its not illegal, they are paid to get the money that you actually owe. You are given thirty days to dispute (fraud, etc) other than that, its cut and dry. Sometimes it sucks, but its life.

no,anyone can dispute the debt or any portion of.that's what your dunning letter says.maybe you should read it before you send it.that is if you send it.