Collection Agency Voicemail messages

Anthony does not have any patience with any collector.If anyone is to blame,call Bass & Associates. As long as there is no profanity,posts will stay. I do appreciate your side of the story and welcome you to post.We have other collectors that post as well as excollectors that post and some as registered members.

Cajun, this is an interesting exchange. Anthony refers to me with profanity, calls me scum, and my 9 yr old just asked me why I am called sub-human. I have attempted to engage in an articulate exchange and actually have seen a few compliments, only to be then referred to as lacking credibility by a guy who "doesn't like my style".

I do owe Anthony and other readers an apology for making debasing comments; they were made on emotional reaction and a thorough thought period has caused me to re-evaluate my response. It was unneccessary and clearly Anthony has strong feelings based in experience that I should not discount, however, I did take offense to blanket statements aimed at all collectors and those rather unkind comments aimed at me. I am not wanting people to abandon their rights, they should stick to them. I am a consumer as well. My wife even got a collection letter in the mail yesterday which I learned upon calling, was for another person of the same name. They are making me go through hoops to correct it; naturally I debated collection laws with the representative. My point is that I am a consumer too. If he were to read my comments with less of a prejudice and more on the merit and substance of them, I would hope he would see that I am offering a alternate side and not being a mere apologetic for the industry.

I did not register on the site simply because I didn't think it made a difference either way. Perhaps I will.

If I seem to be a hack for the industry and my opinion is not welcome, I will back off.

Anthony, you have certainly got fire and passion, and I am sure you have been help to many.

And yes, I for one think you should register. We welcome viewpoints from all sides--what we will not tolerate is any namecalling/bashing or posting low credit scores on the boards, like I see has been done in this thread.
And for the record, we never advocate not paying just debts. What we do is strengthen consumers not to pay unjust fees that are tacked on to them, such as the ones for offshore payday loan companies, for example.
We also educate in how to deal with threats made by rogue collectors--that consumers will be going to jail if payment isn't made in thirty minutes, for example, which many people on the boards have experienced.
So I think you should register.

Bill, I do advocate that people not pay an unsecured debt; when to do so takes away from their ability to pay necessities like rent, utilities, and put food on the table. I don't care what anyone thinks of that, especially a debt collector. I will always give that advice.

I also have the debt collection industry to thank for harassing the hell out of me after id theft. It makes my work so much more enjoyable on many levels. Don't discount the experiences of many people on and off this forum. debt collectors have earned their reputation by allowing many in the industry to violate the laws meant to protect everyone else.

Bill T. Perhaps I too, became emotionally ignited, and I also would like to apologize to you and the many other guests and members for my namecalling of Bill T. However, my feelings for collectors remain unchanged, I just should not have 'attacked' you on a personal level. Again, sorry for that.

I just want everyone to know I do not like 99% of the collectors one would run across. If a person does their job professionaly according to the law,they will not hear me growl at them. To our members and guests,no I have not crossed over to the dark side :shock: :shock: :lol:.I just would like a peek at the other end if we can get it from a person who does their job properly.

Well for what it's worth ....here is my contribution to this subject! and, I hope it helps!

Follow this link and you will find a post where I found several sites where you can determine how to legally record phone messages in your state. Thereby, being even more able to document the actual harrassment!

http://www.debtconsolidationcare.com/settlement/phonecall-laws.html

Thanks for the link, Moondanzer. Every piece of information is like a gold nugget to our members and guests.

I am trying to pay off the debts on my credit report..but can't find contact numbers for the collection agencies listed.

matt, try using this site's built in google search to find address/phone/fax info for the CA's you are looking for.

bill t.--I have seen your posts around recently. I would like to know how you continue to proclaim your company to be so much better than the others, and yet still not respond to the comments regarding the tactics that some of your "trained collectors" have been using. In another thread in here recently, one of your collectors demonstrated practices that were not only questionable, but downright stupid. Come on now--even you have to admit this--if your industry really had nothing to hide, then why are laws such as the fdcpa even necessary? Your "long live the debt collector" speech is pathetic. The vast overwhelming majority of you collectors break more laws than the people you call, and your constant defense to this is "why not just pay your bills"....

Lets play devils advocate for a minute...lets say your company called me. Lets say that the same practices we see in here are used in that call. IT DOES NOT MATTER ONE BIT IF THE DEBT IS LEGITIMATELY MINE--even if I am in the wrong, that does not give people like you the right to go off and be wrong yourself.

Your assertion about this forum in regards to paying bills is laughable. Just because we should require a collector to validate the debt, that suddenly means that the people here say not to pay your bills now?? Just so you know, there is a collector right now that calls my house up to 8 times a DAY. Sometimes, the calls come every three minutes. To this day, they have not followed the law even once. I still have no validation of the debt. I still have no honoring of a cease and desist. This collector is about to get their ass sued. On top of it, they arent even licensed to work in my state. They clearly dont care about the laws. JUST BECAUSE THERE IS A DEBT THAT DOESNT GIVE YOU THE RIGHT TO BE A MORON. Hell, all you know when you look at your computer is that there is a debt--YOU PERSONALLY have no clue at all if it is correct, do you? Didnt think so.

Sky you seem very knowledgeable in law and I would welcome you to become a registered member.If you have a good reason for not registering,I respect that and would say continue posting.We could always use members or guests that can pass on what they know about the collection process and the legal rights of consumers.

I've started receiving voicemails on my cell from someone with Alliance One that basically just give the name and number and say, "I need to hear from you" or words to that effect, with no hint as to what they are calling about. Rather than return the call, I Googled Alliance One to find out who and what they were, and found this thread.

I have no idea which debt they're calling about, and it doesn't really matter, as we will be filing for Ch. 7 bankruptcy very soon. I was laid off from my job as a software engineer over a year and a half ago, and have had no luck finding another position in my field; out of desperation, I've taken a security guard job paying less than a third of what I was making, and we've lost our house and had to move into an apartment. My wife is disabled, so she can't work to supplement our income (she does get a few hundred a month for disability, which amounts to around a quarter of our total monthly income).

Anyway, I'm wondering if Alliance One has basically shot themselves in the foot with these voicemails (they're up to 9 so far); do I understand correctly that each of them constitutes a separate violation of the fdcpa, since they did not identify themselves as a debt collector or state that they were attempting to collect a debt? Should I ignore them until I file for bankruptcy, or would it be better to return the call, point out the FDCPA issues once they actually tell me that they're trying to collect a debt (as I assume they are), and tell them to go away or I'll sue? Since I work overnight, I never have my cell on when they call, so it always lands in my voicemail (and I've saved each one).

-Mike

When a debt collection firm calls to your cell phone with an auto-dialer, what contents do they have to leave in a voice mail to be in compliance with the law?