Rannefeld & Associates

My thoughts are if you have an agreement with cccs that the original creditor signed then I would go with this, the original creditor can pull these sharks off and probably will do it once they start recieving a few payments.

Do not be intimidated by their actions, they count on this.

When did you make the original agreement with cccs and the original creditor? Is this the first payment? if so, once they start recieving payments consistantly you should be okay. Tell the sharks that you have an agreement in place and they are not part of the equation.

What state do you live in? I would like to see if you can record phone calls without informing the other party, if you can I would suggest recording these calls.

I am in FL. I sent out the first round of information to CCCS back in January. I had to update it again in February (to remove one of my credit cards b/c I had a better agreement with them than what CCCS was offering), so the first payment occurs March 22 and the companies receive it 4/5.

The original creditor did not sign a contract with CCCS, because basically... when CCCS receives your first payment, they send that amount along with a proposal to the creditor and that opens up negotiations on lowering the 29% interest to hopefully 10%. But so far they haven't actually received anything from CCCS to date... though I have documentation that I started the process to include them back in January.

The "law firm" told me that they have an agreement with the original creditor and they ASSURED me that they no longer have to work with CCCS once it gets to this point! But the original creditor doesn't even admit to sending the file to a law firm... only J&E or JMBH which they state is 3rd party collections. The law firm said those names are a "holding house" only... and that the Rannefeld's are truly the ones responsible. When I asked "what exactly is a holding house?," his response was "MONEY!" They are out of control.

Should I still send in my payments to CCCS? What if the original creditor won't take them and I start throwing cash away?

All of this really sucks... the saddest part is that I am a recent University graduate and the reason for my money problems is that I walked into a new career last year... and it hasn't gone AT ALL like it was supposed to. Ironically I am in the financial industry and work solely on commissions which have been probably 30% of what they were projected to be... thank you, dear Mr. Economy. Blah. :cry:

Well, FL is a two party state. You would need to inform the other party that they are being recorded. I would use the tactic of stating:"this call is being recorded, by continuing this call you are granting consent" that way you can record them or they can hang up.

Ken Chandler is a piece of ????work.

I haven't ever used one of these services, since honestly I believe one can do it themselves much better and without having to pay extra $$.
Definately send out a DV CMRR asap. Maker them validate the debt. Also include a limited cease & desist, informing them they are no longer to call your house, that you will only deal with them by letter.

Keep on top of that account, see if they accept the payment and lower your interest rate. If they do, then you can send another letter to them informing them that you have a deal with your creditors and will no longer be communicating with them on the account.

Harrassment is where this is going right now.

King or Ken or whatever his name is has called me 2 more times. he left a message today saying "this is a DOCUMENTED ATTEMPT to reach ..." and that I must return the call by 6:30pm.

I just got the letter in the mail on Saturday... (to which I will request the validation - but wanted to wait 2 weeks since I know I have 30 days) can they really proceed with anything without waiting the 30 days??? Their message indicates that they will be going forward immediately.

Pleaseeee keep offering advice. I am freaking out!

DO NOT HESITATE WITH THAT DV LETTER.SEND IT CERTIFIED MAIL RETURN RECEIPT.THEY ARE INTENT ON ILLEGALY HARRASING YOU,PUT A STOP TO IT RIGHT QUICK.NO I DON'T THINK THEY WILL DO ANYTHING,BUT KEEP CALLING.THAT IS JUST FROM MY EXPERIANCE OF COURSE.

saxwoman one thing you need to consider is that your in breach of contract and the balance is due no one can change terms of the original contract any payments agreed upon is a courtesy you can send 1 dollars the law firm will apply to your balance but that wont stop legal action. Also you stated you had a 3rd party involved bad idea just as goldbast stated cheaper to handle yourself also there lying to you your interest rate will not be reduced and rannefeld is a law firm that there job is to collect the balance. From what you stated I dont see any laws broken only a demand for what is owed per the original contract. Never send payments to cccs companies and also there is a difference between and cccs company and a debt settlement company. Do be careful a cease and desist letter will get you to court a lot faster then a temporary arragement.

There actually has been a violation here, you received the dunning letter on a Saturday, the following Monday they stated that they were "going forward immediately" which to the least sophisticated consumer would seem like threat of litigation.

This would be considered overshadowing as they are pressuring you into taking action before your 30 right to request validation of the debt in question.

there is no violation a collector has the right to demand payment within the first 30 days. Most payers pay before the 30 days because usually not always it has not hurt your credit because it was just assigned so hasnt been report but after the 30 days they usually start to report your bad info. Since you stated original creditor owns the debtor and has retained a 3rd party wheter law firm or not which rannefeld is a lawfirm even bud hibbs acknowledges that rqst for Vod will not work since it has not been sold. Most of the lawsuits I see filed have had a cease and desist sent vod is okay but when you know about the debt and the original creditor has informed you if has been assigned it is a waste of time. Also a lawfirm can decide to proceed with legal action which a case is first assigned some due its a way they make more money for the attorney they dont have to wait 30 days just have to acknowlege a vod rqst. You agreed to pay interest court cost and attorney fees when you signed the contract so nothing illegal about charging you that

[quote=procollect]there is no violation a collector has the right to demand payment within the first 30 days. Most payers pay before the 30 days because usually not always it has not hurt your credit because it was just assigned so hasnt been report but after the 30 days they usually start to report your bad info. Since you stated original creditor owns the debtor and has retained a 3rd party wheter law firm or not which rannefeld is a lawfirm even bud hibbs acknowledges that rqst for Vod will not work since it has not been sold. Most of the lawsuits I see filed have had a cease and desist sent vod is okay but when you know about the debt and the original creditor has informed you if has been assigned it is a waste of time. Also a lawfirm can decide to proceed with legal action which a case is first assigned some due its a way they make more money for the attorney they dont have to wait 30 days just have to acknowlege a vod rqst. You agreed to pay interest court cost and attorney fees when you signed the contract so nothing illegal about charging you that[/quote]

Set the crack pipe down, and move away from the keyboard!

A third-party collector mst provide validation, and must cease collection activity until they do. Full stop, end of discussion.

Piss off, troll.

no one said they dont have to validate only that what are you hoping to accomplish. It seems to me that the debt is valid as her own statements that the creditor has informed her where her acct is

Yeah, well you ain't exactly admitting that they have to stop collection activity until they do validate, are you? Come on, don't blow smoke up my ass.

yes they do have to stop activity, but validation is nothing more than a statement showing charge off or last bill doesn't take long to get that info from creditors generally speaking that.

smoke up your ass it seems the only thing unclewuf knows is to rqst vod no advice on how to settle the debtor just have to delay the inevitable how about some positive advice instead of the bull shit of vod

smoke up your ass you might need to leave the meth alone stop giving the same lame advice of vod stop with the bullshit

geez procollect,very proffesional.just like a typical collector,get flustered when we don't believe your half truths or lies.

Personal attack deleted!Cajunbulldog

Procollect - Can you point me to where a Moderator said that? I don't see any posts from any moderators on this thread . . . . Is it another one you are talking about?

you are correct was just one of your bloggers aka hof member unclewuf there first used vulgar language

now a member

You will not remain here long with the sorry attitude displayed as well as the inability to follow our rules.

I agree cajun lets just hope that procollect can provide useful information on the debt collection side of things.

I have very useful info for people that want to find a way to a less stressful way to pay there debt

I have no problem welcoming you back provided our rules are followed as we do have some collectors here who help out the community greatly.