Question for the Board

LOL, being a native Floridian and living there for 21 yrs, I will give you my opinion...

Florida is such a melting pot! People want the south, and they want glamour, so they go to Florida! (not knowing they will find swamps, snakes, gators, and bugs)
Back home I worked at a buffet..In the 5 yrs I worked there I must've seen 10 people get hauled out in cuffs! All the crims must go there because they think they can put a swamp reed in their mouth and hide from the law underwater.

Thanks Fins.Now see the problem this brings up is there should be stricter licensing standards for this.Everyone has to realize that people like this have access to complete credit report information. :shock: :shock:

That is something I never even considered...

You're right cajun. It should be frightening that people such as this have access to all your financial information. It's here as well. I heard a long time (legit) collector say a while back that she went for a new job (in a CA), and quickly left when she learned that about 70% of the employees had felony records. Felons should be barred from certain job which have access to sensative information.

Very true--but they are the only ones who will work for the wages these companies are paying.

kscornell,some of your info is correct.Collectors get paid very well if they willing to go above and beyond the law. Most normal people know where the line is and have serious objections to crossing that.I am with lawstudent on this.It scares the crap out of me that they have access to a person's full credit file.Recently an employee at a check guarantee collection place was fired and is under investigation for stealing identity info from his employer.

Me too, Cajun. So what percentage of the debt do collectors get as commission?

Scary...these criminals get all your personal info!

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kscornell is right. These might also be among the only jobs that convicted felons can get. I have never been inside a CA call bank, but I would guess you would see a few professionals, quite a number of young people who have little work experience (maybe not long out of high school, and certainly no knowledge of the law), a number of 30 to 40 "somethings" - the felons. Just my vision.

I was sure I had it correct in my mind. I am still wondering, in the case of NCO, how do you know the difference between a letter of verification, and, a letter of validation. they can say it's a validation. But how do I know that they actually own the Capitol One account? I was positive I knew the difference technically. I just wasn't sure that they can't lie on paper as easily as they lie on the phone.
I am new to this do to a recent medical problem (minor) never the less inconvenient. I have no intention of not repaying. I just prefer to pay the original creditor, and not NCO, they are rude and irritating bunch of people. Like I said, if they can lie to me on the phone they can lie on paper.
Thanks again
vickifjoy

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Vicki I answered your pm about difference between verification and validation.I will go ahead and post it here too. Verification is for original creditors and validation is for collectors.The two are basically two different levels of evidence. An original creditor has all their papers on hand and know who owes them this.Since a collector is collecting a debt that did not originate with him,he would have to have clear proof that it is your debt & that they are allowed to accept payments on it(Validation).

If I remember, isn't there no income tax in FL?? Hey - if you are going to be illegal, might was well do it in a warm climate and keep as much of your dirty cash as you can.