Valentine and kebartas

Did this company tell your parents of this debt, because if they did, they violated federal law.

I just found out that Chase has sold my account to these guys. My mother in law got called even before I did! She had one guy's name, then I got another, then a third called and told me the other two guys had been digging in his account files and to deal only with him! They sound like they are crooked. I know from sad personal experience in the past that a collection agency cannot sue you, only the original creditor, adn once they have charged you off and sold you to a collector, they can harass you badly but not sue.

I just found out that Chase has sold my account to these guys. My mother in law got called even before I did! She had one guy's name, then I got another, then a third called and told me the other two guys had been digging in his account files and to deal only with him! They sound like they are crooked. I know from sad personal experience in the past that a collection agency cannot sue you, only the original creditor, adn once they have charged you off and sold you to a collector, they can harass you badly but not sue.

A collection agenct can sue you. Never make the mistake in believing they can't.

A collection agency usualy assigned accounts to a collector and then also puts it on a dialing system. The dialing system will call all of the accounts no matter what collector they are assigned to. The collector who told you not to deal with anyone else is protecting his/her file on that chance that you do decide pay then he will get the credit for it.

FYI is correct, a collection agency CAN and DO sue u! I was just sued by one and they won! SO trust me, they can and some do!
Ang

A collection agency per se CANNOT sue you. Collectors are not attorneys. The account must be forwarded on to a legal firm. Now technically a collector cannot use the phase "I will sue you." This is a violtion of fdcpa sec 807 of False Representation. A collector can only "refer" or "recommend" an accounat for legal action. Now I got a CA on a violation that they were going to refer an account of mine to an attorney by such and such a date. (On tape) However, I happened to know someone who had worked for this agency and knew for a fact that they NEVER referred any accounts for legal action. This agency simple worked them and closed them back to the client.

Soaplady, that does make sense and seems like what will happen when the word "sue" is thrown about.

luke

Well if we're getting that technical here then an original creditor also must hire an atty to actually sue u!!
I took her post to mean that if a collection agency bought a debt they cud not sue u it must be the original creditor. Which is false and lots of big collection agencies actually have atty's that work for them...
Ang
P.S. And also, some collectors are indeed atty's offices.

The original creditor can give authorization to the CA to refer the account to an attorney. The agency I worked for had blanket authority to refer to legal counsel all accounts over a certain dollar amount.

It is true that a lot of agencies have attorneys who they "refer" accounts to...but CA and legal firms have to be total seperate companies. When I started working collections,our attorney was located inside our office. Later the attorney had to move out and completely seperate his entire business from ours...payroll, computer system and actual physical location as it was deemed a conflict of interest. If you read most major collection agency sites, they all say "legal referal", "outsourcing" or "legal networking".

Law offices employ collectors...however they are working under the lawyers moniker, not a CA's...there is a difference.

chase called me november 30th to tell me if the 336 wasnt in before 3pm that day my account would be called a charge off, i had to hurry up and pay 336 which i thought got in there in time. because they told me it was and bamb december 6th a creditor from valentine and kebartas called me to let me know he has my chase account and he'd call me back in 3 days to get payment arrangements. after i hung up the phone i had to tell my mom who had called. since it was the xmas season she wasnt amuzed, and was very upset. we spoke to the creditor from V&K found out how much we needed to begin to pay off this account, a person from her bank assured us her check was good, we called te creditor and told him the numbers, three days later he called both my parents numbers and mine (even though he was told not to call my parents phone number), to let us know they couldnt use checks and use another form of payment. my dad found out about this matter and was very upset, for he assumed i was paying on my accounts. so after my parents and i got a meeting going in the front room to find out what we were to do, they were kind enought to loan me the money to pay this off, V&K gave me a deal and we took it. but durning the first payment and the last he'd call me and pressure me to pay him his company quicker. he told my mom he'd give us a rest and we were happy thinking oh good, he wont call until january, and he'd be calling two weeks later i'd tell him we're not blowing you off, he'd had of already gotten a decent amount sent to his company already. i felt bad for it wasnt that i was not paying chase i wasnt paying chase enough if they wanted 700 i'd tell them i cant pay700,i could pay 300 and would, i had other bills that were severly backed up and wanted to file bankrupcy for all of them. but my dad talked me out of it saying it'd of made me look unstable, and he loaned me the rest of the money to pay them off. then after 5 attempts to call for an end of obligation payment letter from V&K he had to call them and demand one. it was funny, i say please and pffff, he called them once and within 2 hours after the call we had it faxed, and i colored the account dead and closed.

Oook. Well a collection agency can hire a lawe that can sue you unless the lawyer works for the CA then it would be the attorney who works for the CA sueing you. So I don't know if that will mean if the CA is sueing you or the attorney.

I will endevor to be more technical next time.

wow but you can also hire a lawyer and sue the collection agency imagine that!

Of course you can. I hope everyone knows that.

are CA required to send you the end of obligation letter.and if so how long do they have to send to me?

yes - i have dealt with this ca as well . they are very demading and threatening. i have paid off my debt- now to make sure that this goes through to chase- and i am finally free of this debt what is recommended i do?

We called V&K to get the end of obligation letter because my dad felt better getting it. but i got the three separate reciepts of payment from western union to show the money's got to their office at such and such a date.

What do you people expect??? you owe thousands of dollors to these companys and never pay it back..its like steeling. it shows what kindof person you are. OFCOURSE your going to get harrising phone calls. if someone owed you 2000...HOW would you handle it..LOW LIFES...always trying to get out of debt..you are what we call DEBTOrs..And this is exactly why were in this ression living off of unsecerued money...

Hi and welcome to the site Nancy42. If you are going to bash some of our members and guests here, please spell correctly.

thank you,
Luke

Hi luke I must say out fo all the sayings I have read in these forums yours is really a great one. Sometimes people get into situation due to unseen circumstances and the last thing they need is others bashing them and name calling. I believe people come here for help and thats what they need to be given.

:D Thank you fireyone 02 and nice to see you here. You are right. When you are about to jump off the cliff, the last thing you need is someone pushing you instead of pulling. I hope you are here for along time.

all the best,
Luke

I got a call from this company 2 days ago from a guy named Jason who was telling me that Chase hired them to collect from all their delinquent accounts because of the "financial crisis" that's going on. He had a lot of attitude and wouldn't let me get a word in edgewise. He was talking down to me saying "do you understand that if you don't pay, Chase will take me to litigation" or something like that. He sent me to his manager named Lisa C. who was equally as nasty and said that I have until 4pm the next day to call her and let her know what $$ I can come up with. Yeah...I don't have that much money in my pocket, if I did, they would have some of it. The same guy just called me this morning (8 am) and was threatening me over the phone, yelling and putting me down. I started yelling back and he actually hung up on me! I never knew a collection agency to hang up on you, but he did. If any of you ever get a call from this company, don't deal with a Jason or a Lisa C. They are nasty people

Start recording these conversations. Have you DV'd them yet? If not, at the bottom of your DV state that all calls to your home and cell are recorded. That way, regardless if you live in a 1 party or 2 party state, you have notified them you are recording so no further notification is needed. Make sure you send your DV CMRRR.

Oh so many questions! HOf what is DV and DV CMRRR

DV=debt validation letter.CMRRR-certified mail return receipt requested.make these bottomfeeders prove that they have legal right to collect the debt.the CMRRR is justso they can't sweep the DV letter underthe rug like they do at times.hope that cleared things up.

I am having fun with them on one of husbands old accounts. I am letting break FDCPA left right and center. They even threatened one of my kids....all on tape!! YEAH!! Think I will go for more than $1k in damages on this one!!

CHA-CHING SOAPLADY.CHA-CHING.

Hey they dont need to know that I am an ex attorney and ex debt collector....I just play the role of the least educated consumer and let them walk right into it!

Can someone help me clear up a question...Can you be sued by a CA if their attny is not within your state?

No...they must hire an attorney locally to you.,

Do not pay anything to Valentine and Kebartas without talking to a lawyer first. Valentine and Kebartas is being investigated by consumer attorneys who care about people like you. For more information about Valentine and Kebartas you may contact Consumer Attorney Vicki Piontek 877-737-8617 for a free consultation with no obligation.

Vicki Piontek, Esquire
951 Allentown Road
Lansdale, PA 19446
877-737-8617
Fax: 866-408-6735
[email]attorney@suebillcollectors.com[/email]

Quote:

How do you go about recording a collection call? Is there any special equipment or anything?

thanks

You really should learn how to spell. And you don't know SHIT about debt and how it really works.

Ah-ha! Someone who knows what they are talking about. Unfortunately, most people do not know this.

The Federal Reserve Act of 1913 specifically forbids banks/credit card companies to "lend" anyone money. The credit card you have in your pocket is basically just like a DEBIT card. There's no difference.

You monetized the money with YOUR signature. It's NEVER been THEIR money. It was created out of thin air on YOUR signature. They (bank/credit card company) don't lose a darn thing!
:cool:

This has to be the lowest class company I have ever dealt with. They harass you, interrupt you, and make belittling comments to you. These "collection" companies are criminal. Once the original debtor decides to charge off your debt, they will get a tax break from the business loss. You owed the original debtor, not some scum bag company that "buys" the debt for a fraction of the balance.