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

There is so much fault in your post I don't know where to begin. 30 days cut and dry? Read the FDCPA on that.

Violating the law is the only way they can get people to pay. Threats of a lawsuit or jail is what they do. If they threaten 100 people and 98 pay but 2 sue, who is really winning? If they where a reputable law firm and collection agency, they would be out of business and not have 300+ employees.

So you need to go back to your cubicle too and snort some more cocaine.

hey hey.watch that PT.your better than that.no drug references please.

I have a Capital One Installment loan that is in default. I talked them down to 39% of the total loan and he emailed me the pay-off but for a law office why are you using a yahoo account for business. I have until the end of the month to pay in full. He said as long as I pay, no other trade line will be added and he will give me a release paid letter to send to the credit bureaus. I read on another site that I would have to file a 1099 for tax purposes but he said only if you settle with the original creditor, is this true?

I am new to this, but have the Law Offices of this clown after me, too. My father called me yesterday & said he was contacted by them b/c they could not reach me; & told him to tell me to call them. They have left me 1 message in the last 2 weeks...can they really call my parents??? I'm 28 years old, this is ridiculous!

WHAT U SHOULD BE AWARE OF IS THAT IF HSBS STILL HAD UR ACCOUNTS INTEREST AND LATE FEES WOULD BE ADDED DAY AFTER DAY AFTER DAY, THE LAW OFFICE OF FRYE DOESNT THEY PUT A FREEZE ON UR ACCT FROM ALL THAT AND GIVE U A CHANCE TO PAY AND STILL DISCOUN TUR BALANCE EVEN TO THE PRINCIPLE WHICH WAS M0NEY THAT U DID SPEND ON WHATEVER OFF THE CARD. SO LOOK AT IT LIKE THIS THEY ARE NOT THAT BAD AND IF THEY DO ALL THAT FOR U AND U STILL DONT TRY TO PAY ASAP THEN IF THEY DO SUE THEY CAN RE-IMPLY THE INTEREST RATE AND THE COURT WILL GO IN THERE FAVOR AND LOOK HOW BAD IT WOULD BE THEN, JSUT A PIECE OF MIND FOR YA, I USE TO WORK DIRECTLY W/A COLLCETION ATTORNEY SO I KNOW WHAT CAN BE DONE.

GUEAT

move along humanoids.if this wasn't a rent-a-lawyer you would be correct,but they are and your wrong.nuff said.

hey guys I have a similar story i defaulted with HSBC and they wrote it off. My credit report say it was written off and that will never change. I have John Fryes office calling who is also Atlantic it makes no sense. If i owe money to atlantic why is John Frye calling. Though the 2 are seperate businesses. There misrepresenting themselfich is illegal. They threatened to sue me, which if there not going to, thats illegal. Are they allowed to sue me legally?? Im told not to pay them because its all profit to them and it wont make it to my credit report. I found out they tried to look at my credit report which is illegal...come August staute of limitations is up on suing me so if they threaten me ill sue them for all these codes they broke...they have been sued many times and never won a case and always settled

Any and every debt can be settled for less than what you owe. Any time a debt is sold to another company it can be settled for less. Being an "attorney" office they think that it frightens people. As long as u make an attempt to pay the debt there is really nothing they can do.

Does The law office of John P. Frye take payments ?....They told me there are sending my case to an Attorney to file suit....How long until that happens ?

They don't have to accept any kind of payment arrangements or settlements other than the full amount. Its however behooves them to work with the client to the best of their ability. You can't be too forth coming with them or too reserved as that will hurt your bargaining position.

Hey everyone! I actually came across this page because of the fact that I have a debt that is being attempted to be collected by John P Frye. They constantly call and I actually work for a debt settlement company so I have become much more confident when dealing with my debtors. I decided to look up their info on google and found a number of postings regarding their violating laws and harrassing people.

I was advised that you can tell them not to call you ever again and that they are interupting your work. Weather or not they will comply with the request who knows... If anyone here needs advice or help with collectors or debt feel free to contact me. I can help you settle your debt for 40% or less depending on the specific creditor. solicitation not allowed here - Jason is my email address. I was truly looking up info on them rather than seeking out a place to plug my company. Many people are pretty afraid of dealing with debt and after learning what I know I realize there is a lot less to be afraid then they would have you believe. The worst part of it is your credit being affected. If you already have your credit affected... probably so if you have collections.. then you have absolutely no reason not to do a debt reduction program.

Good luck to everyone out there dealing with this and other collection agencies.

Gavin

IF EVERYONE, INCLUDING MYSELF, WOULD READ THE SMALL PRINT WHEN WE SIGN FOR CREDIT WE WOULD UNDERSTAND THAT IF WE DEFAULT FULL BALANCE BECOMES DUE....WE USED THE CREDIT CARDS AND BY LAW HAVE TO PAY THE MONEY BACK...PAY OUR BILLS AND YOU AND I BOTH WON'T HAVE TO DEAL WITH PHONE CALLS....OR WASTE OUR TIME ON WEBSITES ..POSSIBLY GET A SECOND JOB TO ACCOMODATE OUR WANTS...COMMON SENSE[samebox:67778afec9="paulmergel"]nice rant.by the way posting in all caps is the way of the humanoid.do us all a favor and stop wasting time on this website.thank you.[/samebox:67778afec9]

sounds like to me after reading some of these messages which alot of them have words spelled incorrectly that there are people who actually think they can use credit and not pay or choose when they want to pay or even have it "their way" I hope that everyone who does not pay their credit card bills do get sued...this is what makes it hard for us out here who do want credit and are willing to work hard to repay "loans" not be able to get credit...quit your b&^%$#$^ and go to work....there is always Wal-Mart[samebox:18205db842="paulmergel"]another humanoid.sigh...why don't you quit your complaining and follow the laws.we'd all be better off.[/samebox:18205db842]

seems I hit a nerve somewhere..like I said get off your lazy butt and get another job...if you are a "debtor" if someone owed you money I doubt you would waste your precious time on a website...you would try to get your money back...I have debt too...but I pay mine...YES I PAY MY BILLS[samebox:611635a971="paulmergel"]i don't need another job collection humanoid all my bills are paid too.i just help people against self righteous mopes like you.[/samebox:611635a971]

Ha looks like "PAY YOUR BILLS" TROLL is back in full effect :lol: :lol:

They are unrelenting and harrass you at all times. We are finally filing for bankruptcy and getting everyone off our backs. Making a fresh start.

They companies are dying. Keep filing suits against them. They are down to about 100 collectors from 300. Pay your bills people but shut down Kelly Woolwine and John Frye they are losers

Yep, people need to enforce the provisions of the FDCPA by documenting violations and taking them to court. There is $1000 plus possible court costs and attorney fees in it for them.... Otherwise it will never stop....

I wouldn't give them any information. I paid one payment over the phone and they just took five hundred dollars out of my account using my debit card number. I didn't authorize this payment at all. Of course, it overdrew my account and the bank is saying that it looks valid because I allowed it one time before. They aren't even for the same amount an they took this out in less than 30 days of the other payment. I'm going to report them to the Virginia bar and contact the Attorney General's Office and see if I can get them to file again the firm. I am also going to contact the Federal Business Bureau and the state's BBB. If more people would do this, they could be stopped. Don't feel bad because you owe a debt. This is exactly the kind of thing that the government is trying to stop. When you lose your job, you don't necessarily lose your right.

NEVER give out your banking information to a collection agency. Never never never never never! Money order or pre-paid debit card ONLY! And never pay ONE PENNY without a payment amount in WRITING!

Also file a complaint with the FTC. I would say to file a complaint of fraudulent transfer with the bank and the OCC, but it doesn't sound like you got anything in writing so unfortunately you don't have much to stand on.

Don't pay these guys a dime... I worked for them for years and know how they operate. ACF and John P. Frye are the same deal. They are in the same building even. John Frye is a real attorney, but has more attorney general complaints and lawsuits pending against him than Elvis had hits. They will be shut down soon. For more info on how to deal with these clowns, go to solicitation removed - Jason.

Hey creditrx,
what is that website to go to?

That should be quite obvious (Google).

The FTC page on Credit Repair services.

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I am a collector for Law office of John. P Frye currently and have just recently came upon this site. First thing I would like to say is John P. Frye is a man of great character and he would never allow any employee to knowingly violate the law and still be employed there. I am in no way saying that you all are not telling the truth because i am sure that sometimes someone crosses the line as in any job. But be assured a price is paid if that happens (NO more job) I am a cristian woman myself and try and see the good in everyone however i would have to say most of the people who i contact or try to contact are more interested in avoiding the bill and not living up to their resopnsibilties than anything else. A debt is an obilgation and no matter who bought it you still owe it!! Pick up the phone and live up to your word you gave when you signed for the card
Talk to the person on the phone you might be surprised they may even try and help you save some money on the account .

Another collector that can't spell!!!

My debt was purchased by Atlantic Credit & Finance, Inc. and has been placed with the The Law Office of John P. Frye. I did receive a letter from JPF for the balance of my debt for $18,661 and said if I want to settle my account I need to pay them $14,000 which I do not have. I told them I only can come up with $2000 for sure, maybe $4,000 within 7 days but they told me I need to come up with atleast $5,000 with in 4 days to hold my account. What does that mean? If not, they will contact a lawyer in my area (Hawaii) to sue me.

i just settled an account with them and they were willing to help out with balance bc they agreed hsbc puts alot of charges on that law offce doesnt agree with; but in general u legally owe the amount sent out ....so instead of hating them bc they want u to pay a bill that you owe and spent ... talk to them and listen ..... they didnt do this we did and everyone should pay their debt ! also they dont like taking payments bc they have a short amount of time with each account bc my friend was sued within 4 months with them so their trying to prevent that from happening !

i am also dealing with this law firm they are very rude and they will rip you off to

i see most of u r in debt really bad in the thousands i have a $600.00 debt this company keeps calling me and i am pretty sure that is what it is for..i don't have ne other debt..i will not return the calls till they leave a message telling me what they r calling for..

I too am a new cliet of this law office. They would not send me a confirmation of any sort on a payment arrangement. It is very frustrating what is an ordinary working person to do who don't have enough money saved to settle?

As for paying these bottom-feeders, refer to the Four 'no's' in my signature. Send them a demand for validation immediately, via CMRRR. And don't pay them one thin dime until they provide it.

OK so if someone can please answer this question. I was contacted by them and harrassed to make a payment. They were asking for a whole payment but i was able to talk them down to a much smaller payment and now have to deal with the balance next month. However I am getting a little suspicious because I have asked them to send me a hard copy and an email with the receipt of payment and they have not done so. They keep telling me its been emailed and mailed but I have received nothing. I am worried that I have just been ripped off! Please someone tell me this is not true. My overall balance is alot so I dont want to pay the whole amount and have it go to nothing. PLEASE HELP!!!

[SIZE=3][FONT=Times New Roman]Just got off the phone with Mr Dillman from the company, he is a character. Although annoying, he is doing his job as everyone has their strong points in life. I did not care for Sue the rep before him who hung up on me. She was supposed to make me hang up on her. She needs get a new job or become a receptionist and just answer phones. A previous rep Elizabeth had the right mind set for this economy, which is be kind and sweet and feel like you are helping someone.(You will probably have more success.)We can't all be doctors or lawyers. I wonder if there is degree you have to obtain to be a debt collector? LOL-School of hard A**. Most of them probably haven't even finished high school and if they did they didn't go any further. I don???t feel threatened by them because we have laws protect us as consumers to which they must adhere. They need to be careful not to threaten us because the fair debt collection acts supports us. There are millions of people who were affected by this economy and lawyer???s collections agents will soon feel the domino affect when they to get the boot for not being able to collect. To those collectors: see you on the other side. God bless us every one?????????[COLOR=black][FONT=Verdana][/FONT][/COLOR][/FONT][/SIZE]

Wife and I are seperated 18 months wife runs up CC bills by violation court order stating no party shall incure undo debt now John Frye calling me said we are still maried ex won't pay so they are going to sue me and take money from the home equity line to pay. Sorry HE line frozen due to falling house values "try again" Now states he will get soon to be ex to use joint credit card to pay debt. Again against the court order in my state what are my options here. my social in not on any of the CC and the soon to be ex spouse plans on filing bankruptcy can they come after me?

does anyone know what the minimum amount of a balance that JPF can sue for in the state of Kansas?

They're trying to Frye me - LOL

let them sue, they cannot prove anything. Enjoy your life, dispute everything with them, and if they sue you retain a consumer rights attorney to file an FDCPA action in federal court against them. You should not lose any sleep over these clowns.

I have been receiving calls from John P Frye. They have called up to 15 x's a day, never leaving a message. When I finally answered the phone, I asked them to stop calling. He continued to call me 2 an hour every hour for 4 hours straight. I am following up with a cease and desist letter today. They have contacted the company I am dealing with who is helping me with my debt. They told them that if I do not pay by the 19th, they will sue, garnish my wages (I dont work) my husbands wages, and go after my husband. I have never been so scared in my life....I hear the phone ringing and my heart stops because I know it is them. What can I do next??

the thing is if your husband isn't connected to the debt,then they can't touch him.this is a rent-a-lawyer that loves to break the FDCPA.ask the company you are dealing with to help with your debt when exactly they said that.because if they have 30 days to sue.if not FDCPA violation.

Dont worry, send them a letter asking them for validation of the alleged debt, and at the same time tell them to stop calling. If they dont stop calling, make sure you take pix of your caller ID, you can sue them for harassment. That is about 1000 dollars a clip for every time they call. They cant even threaten you with legal action unless they intend to do it. (Another 1000 dollars per occurance.) If you tell them not to call at dinner time and they continue to call, another 1000 dollars per occurance. They cant tell you that they will garnish your wages (against the law.) another 1000 added to your suit. The most important thing is documentation... they cant garnish your wages unless they file a law suit. Then you must be served properly If you are then you have to answer the complaint. They are banking on you not showing up. if they do attempt to get you into court, they will have to provide you with the proper validation of the debt. Validation means the origon of the debt, the signed documents that you signed when you applied for the loan or credit card, a history of the payments. (Every payment you made)A document that gives them permission to collect the alleged debt. do your research. The letter they may send you if a verification letter. That is not good enough.

Quote:

Shuffle off, troll. - Uncle Wulf

I am also dealiing with John Fry, they harrass me, accuse me of lying, tell methat if I really cared I would find the money to pay. I offered them what I could and they said it was just a convenience to me to pay that amount. They should be pulled off the planet. I have been the ringer with my finances due to job loss, and they don't care. Then when I try to speak up to defend myself, they accuse me of yelling. All the other agencies work with me. not this evil business.

comment on collectors.If they are aholes about it,reduce all communication to written method only.Never understood why they would harass the actual people they depend on for their commission,boggles my mind.

John P. Frye is the cousin of Chastity Frye, the escort patronized by the Virginia Tech shooter.

These bastards call me a lier every time they phone me and I wrote the actual law office of Fry complaining. I wish they would have their business license pulled . And if you look in the local paper there in Virginia, they are always hiring collectors for this agency, promising them big bucks for collecting on the debts...or harrasing the clients to the point they break down and cry. I ask them not to phone me again, to contact me by letter, they continue to call me. and I continue to hang up .

Hi Peg -

You're in Virginia? Record their calls. You don't need their consent to recording. Harassing, abusing, and driving you to tears is patently illegal under 15 USC ?1692d. Build up enough recordings for a good stockpile, then send them a (cmrrr) letter stating never to call you again, and to make any future contacts in writing only.

This may get you sued. If it does, go into that courtroom with a copy of the letter you sent them and copies of your recordings of their telephone antics. The judge ain't gonna look favorably on them.

While you're at it, sue the socks off of them for FDCPA violations, under 15 USC ?1692d.

I have no dealings with this law firm other than they keep calling my cell phone number looking for someone else (I do not know this person, and I do not know how they got my cell phone number). I have called their office and asked that my cell # be removed from their calling list, but they still keep calling. I'm not sure who I should contact now?

John P Frye; I have been making payments to them for over a year now. I recently pulled my credit report and it shown that my loan was written off. So if they wrote it off and I did not sign a contract with them, then how can they be trying to collect from me that I did not agree to with them

I mistakenly answered a blocked call from John P Frye's office. After a recent layoff, and a tragic death of a family member that set me behind financially, I fell behind in my HSBC account, paying only what little I could here and there. I knew that I'd received a letter from "Frye's" office, and being completely uneducated and intimated by the "lawyer" set up, I foolishly gave this lady the information to my debit card, as she stated that with me not being able to pay the full balance, a deposit on the amount was due immediately, or else.
Out of respect for authority, overwhelmed with fear and feeling trapped, I complied, and this amount is to be deducted in 2 days. She will be calling me back tomorrow to verify funds. Now that I know that I should send in the validation letter first, I do not want her having access to my account to take out the so called "deposit" amount. Is there anything legally I can tell her, that revokes any prior permission to my debit account?
Being an honest person, nieve and caught off guard, I made a mistake by even speaking with her, but with this transaction not in writing, is there any way I can back out of it? Reading the FDCPA, I cannot find anything that directly states anything I can pin on them, if I change my mind on payment. I'm 23 years old and trying to figure out the best thing to do...Lesson learned, credit cards are not the way to go in life! Any help would be simply a blessing!