I am so upset and angry!!!

A debt collector showed up at your door? That is messed up!!!!!!

I probably said it before on here but when I had surgery in February and was diagnosed with cancer I had no money coming in, only like $339 a month from welfare. The bill collectors called my house I told them I have no income, I have no assets,I just had surgery and I have cancer. The only thing the guy said was "well sir, your account is seriously past due and can be a negative impact on your credit" I said " who gives a crap, I have cancer" He tells me " can you borrow the money from a friend or relative" I told him to go to hell, stop calling and I will pay when I get the money.

They continued to call every day 4 times a day till I had the money to pay. These people do not understand and do not care about the ill, they only care about themselves.

Well hell, seems like when a person is down it's most likely the time you will get kicked and kicked again. Sorry for your unfortunate situation, just hang in there and remember, it's only temporary.

You seriously need to get a lawyer to take your case. There are so many fdcpa violations it is absurd. What is the name of the company and what state do you live in.

I sent your thread to a lawyer. Lets see what he says.

Dang..it isn't a CA..it is the original creditor. :x It is some hole in the wall loan place, the terms were good, no hiking of the interest or anything, nice loan actually..but the people are horrible. When our first payment date came and gone, they called and said, "We will be by your house tomorrow to pick up the payment". I thought they were bluffing! I told her that well, you can come, but I will tell you the same thing at the door as I am on the phone now, we don't have the money.

It was a simple case of getting to complacent I guess. Like the guest post above, I started to get sick, I sometimes take to my bed for days at a time. I finally went to the DR and found out I have some cancerous growths on my spleen and liver....is what is making me sick and in pain. I missed alot of work and boom..things went downhill from thier.

I wish the company was a CA, I would sue them so fast thier head would spin! But this is a OC...a very aggressive one at that. We are in Texas, so they can't garnish us and we own nothing, so I am not really worried about being sued..let them, it will just be something we work on fixing as soon as we are fully adjusted to our new level of living (since I can't seem to work now).

What I mean by first payment date, I mean the first one we defaulted on....we had been paying it down just fine for a while...until we no longer could.

you are in my thoughts and prayers my friend.

OMG! Aren't there any laws in TX to protect a debtor from the OC's?

At the very least, I would think them showing up at your door is some sort of violation? I've never heard of any OC's or CA's actually showing up at your door. That's a first for me.

I would tell them you're going to sick the law of them the next time they show up at your door. Seems like some sort of trespassing charge could be brought against them, especially when you've already told them not to come.

Yeah that is pretty much what I am gonna do next. I told them they are not welcome on my property. I will call the police the next time they come to the door.

Let some CA or OC come to my door trying to collect. I've got a mean Chihuahua, that thinks she's a Doberman, that's not afraid to try taking on a 300 lb Great Dane. I'm sure some chick from a CA would be no problem for her to handle.

Funny thing is, when she went after the Great Dane, making a ton of racket in the process, the Great Dane actually seemed intimidated. My dog wasn't even as bis as one of her paws!

She could have flattened her in one step.

I have a chihuahua too!! She thinks she is a rottweiler:) She has her first litter of puppies and so she even thinks she hears a stranger so goes nuts.

I am so sorry to hear about your financial and health problems. You have enough to worry about, with the health alone. Take care of yourself, and pay them when you get your returns.

Check with your local churches or helping agencies and see if they can help with getting the kids something for Christmas. The schools here even help, if you tell them of the circumstances.

Get rest, take care of yourself, you can only do what you can do. You will have them paid off with your taxes, then you will be rid of the idiots!!..karen :hug:

I don't go to the church for help, even though they have offered, makes me feel like too much of a hypocrite since I am pagan.:) I had a sit down with the kids and explained the situation (we often have talks) about my health and the financial situation...my kids are wonderful at times..I woke up the next morning after we had the talk and found the whole house was cleaned..the 11 year old actually got the 9 and 7 year-olds delegated into chores. They wanted mom to have a 'easy day and play video games' exact words:):P

I was just trying to work with the OC...I actually did feel bad since they did not buy the debt for pennies on the dollar and were in fact the ones who gave us the loan....but coming to my house on top of making me call twice a week was just too much...no one, no matter what, should have to put up with that.

I would get a restraining order against the co. so that next time they show up at the door you can have them all arrested.

UPDATE:

I was true to my word..I refused to answer the phone or call them back. Well, good old Beverly called and left a voice mail. In a very nasty and condescending tone she said, "You need to pick up the phone and cal me, your account is seriously past due. You need to start answering your phone! If I don't hear from you, it will require another home visit."

Oh HELL no. I called the police.

The dispatcher was flabbergasted..she has never heard of a company doing this. She said it is in fact trespassing. If the lady comes to my door again, I call the police without her knowing, and if she is still there when they roll up, she will get popped for trespassing.

I am going to call her and give her fair warning...though it is so tempting to just let her come and get popped. But..she was o condescending I can't resist calling her and cheerfully telling her that if she comes to my house she will be guilty of trespassing and the cops will deal with her. Let's see what the pompous witch has to say about hat. I will let you guys know what she says.

She is SO lucky I pay my bills.....we should be getting tax return in the next month or two and we will pay it...but they have harassed me so fully I admit o being severely tempted to tel them to take a hike...I even warned them last time I wouldn't pay if they continued the harassment.

I'm suprised it's even at the OC still with it being "seriously" past due.

Just take care of your health. Take care of you first! The others can wait.

They maybe have not put it with a CA just so they can do this harassment..if it was a CA doing this, they would be sued so fast their head would spin. If it does go all the way to me filing a police report and her getting popped for trespassing, then I may very well file a harassment suit since I will have proof of the harassment.

I can???t believe they would go through all that trouble to collect $150. If I had a collector treat me like that I would never pay unless a court forced me some how.

You know the devilish side of me would go out of my way to try arranging that meeting between Miss Bev' and the Po-Po!

If she calls you before she comes, I would be sure to call the police and have them there and waiting for her when she does arrive. Of course, you don't want to be abusing the legal system; however, it would be worth it to see her face when she comes rolling up in your driveway!

Have your front door open with that "Bad Boys" song from that TV show "Cops" blaring out of it!

LOL!

Forget the police, she would have been greeted by a S&W M&P .40 the first time she knocked on my door.

It's precisely that reason I cannot believe Miss Bev' goes door-to-door like that, collecting on loans.

She either thinks she's bullet-proof or she's incredibly stupid. I'm banking on the latter.

Well here is the low-down:

I called. She was not there so I left a very detailed message. Told them simply that I called the police and that if she shows up it is considered trespassing. The lady taking the message actually said Beverly would call the police to see if that is true..I told her to go right ahead. I wasn't bluffing.

Well....good ol' Beverly showed up at my door. I opened it and asked her if she got my message..she said no. So I told her to be gone, that she was trespassing and I would call the police. She went into her spiel about how she had a right yadda yadda. Then she says, "And you lied to the receptionist today.."

I interrupted her with, "Oh So you DID get the message." Then in her trademark condescending voice she said she spoke to some Captain so and so and he assured her what she was doing was legal...so go ahead and call the police. So I shrugged and flipped open the cell phone and called 911 to report her trespassing.

Then she actually waited..what a dumb a$$. She went on and on about how it was her right, that we owed the money yadda yadda..then she tried switching tactics, she got all squishy nice, "I know you are on hard times, we are only trying to help you, why just not to long ago I myselfr was in-"

I again interrupted her with, "Are you on drugs? Good cop/bad cop needs TWO people. I am not your friend. I have no wish to be your friend. I don't give two hoots what you went through, if you actually did go through anything other then horse manure (I used the 4 letter word starting with S).

Finally a cop came..he was a rookie..no stripes at all..he scratched his head and said he didn't know, then asked if we owed the money. I told him yes, we do..that is not the point. The point is no matter what we owe, she is on our property when told not to come and will not leave when asked.

Then she tried the, "It is not your property, you are just renters..." Oh yeah I backed down with that one sheesh. I told the cop 'yup we rent, we have tenant rights, this is our home while under lease.'

The cop finally said he just didn't know..his partner was coming and he would ask him. The other cop finally came...he obviously knew what he was doing..he went to good old Bev and wrote her out a trespass warning! She comes back, she gets arrested for criminal trespass. He did warn us that it was for her only, the company could send someone else and we would have to do this again.

So, when she slammed into her car and took off in a huff, I called the company again. Since the receptionist was so good at giving Bev the message I gave them a new one.

"If I get ONE more call. If my Contacts get ONE more call, We will not pay this debt. We will consider it paid for all the time and mental anguish you have caused us over this as payment in full. You will not see one red cent. Take us to court..we own nothing and garnishment is illegal. You will NEVER see a dime. Oh, and if you send other people to our house, we will simple do it again, each and every time and get trespass warnings on your entire office if need be, plus, we will take these multiple warnings the cops so graciously gave us and we will sue you...for obviously, sending different people to our house to get around a trespass warning would be considered harassment by any judge."

She sputtered. I made she she got every word..I repeated it..numerous times. She then said, "If Beverly has any questions, she will call."

I said, "Not if she wants to get paid she won't."

She responded: "Well I certainly won't call you!"

:lol: :twisted: :lol:

what type of debt is it where they can show up on door step can you enlighten? Rent to own type of companies show up with law envofrcement to repo items you purchased but did not pay for only type of doorstep collection I have heard of what type of debt is this?

It was an unsecured loan, it was already paid down to less then $150 bucks when we defaulted. I understand a to-door for a repo, that is something else entirely, but this was just a typical little unsecured loan.

You know the funny thing is she honestly thought she was in the right..otherwise why would she wait around for the police? She said it is typical for these small loan places (even though I never head of it) she said that when a client does not communicate with them, they do home visits. I asked her if that was the case, then why did they do a home visit in the first place when I was calling THEM twice a week to keep them informed and why did they still call every day AND call my contacts when I was doing as they asked...she said she didn't know the rep had me call twice a week. I simply told her that she needs to have better communication with her own dang people if she ever hoped to have good communication with the clients.

I wonder if she does this to a bunch of people every day or if she just targeted you for some reason. I wouldn't think it would take to long to get the wrong guy on the wrong day and end up in the hospital all over $150. What an idiot. Way to stand up for yourself Golden. I would stick them on the very bottom of the pay list assuming I ever considered paying them after what she did.

Maybe it is just me..I am just such a charming person when harassed. :) She did not like the fact that I did not intimidate over the phone and such..but seriously, even if I was a timid little mouse..I can't pay what I don't have.

This is totally absurd. I would definitely look into suing, maybe for trepassing. Good for you for calling the police. Now you have it on the record.

Is this a payday lender? Where I used to live, I had heard a storefront payday lender manager would actually come to your house if you defaulted. It was just hearsay though and I don't think its "typical" like she says. Like DollarsandSince said, all it would take would be the wrong person on the wrong day and she would not only be trepassing, she would be dead. $150 is worth your life? Is this woman an idiot? :roll: The answer to that would be yes!

Way to go, Golden!! OMG, the only people I ever heard who make housecalls like that are Tony Soprano and the boys! For a friggin $150 bucks, amazing.
Nice to see that the PDL industry hires the mentally handicapped...And by the way, thanks for putting a smile on my face--I just loved the vision of good ol' Bev having the smirk wiped off her face when da fuzz pulled up!!

kscornell , yup.. same here.. I can actually just picture it, and what a funny picture it painted. I ment what a funny picture of Bev it painted. (just to be clear)

so does anyone know if them showing up like that at Golden's door is legal? Is this a violation of anything?

Well this was interesting to read. Wish you all the best Golden!

I think if you owe anyone anything they can show up on your door step if they know where you live? How is this a violation if you owe them moeny but have not paid the debt you agreed to? Our entire banking system is defaulting because people purchased items and dont think they should pay now? Everyone should honor their debts if they expect anyone else in the next 10 years to honor any debt they promise to pay?

Guest:
So what you're saying is if you owe ANYTHING at all, be it your light bill, phone bill, whatnot, that means that they can show up on your doorstep to harass you?? Sound familiar? How about loan sharking--as that the kind of tactic a loan shark would use.
In this case, Golden has acknowledged she owes the debt, and has contacted the creditor several times re payment arrangements. It's not like she's been avoiding them (which MIGHT warrant a visit)--but she hasn't, and is really trying to work on paying this debt.
This creditor has been getting phone calls from Golden and still chooses to harass her. So I say what goes around comes around and let's hear it for Golden!

Well guest, apparently they CAN'T come up to your door, since the police did come out and issued the woman a trespass warning, so they can't. Nothing gives anyone the right to harass, even if you owe them money. Instead of harassing people, these places should go through LEGAL channels to recover their money.

This company ut me through so much harassment that as of now I consider this debt paid in full. If they don't like it, they can take me to court, kicking and screaming...and countersuing for the harassment with all my recordings and the trespass warning issued by the police department..I will let THEM pay the debt for me.

Serves them right.

but I wonder what a judge would say ... yes, they were jerks, and did illegal and just plain wrong things to try and collect the debt. BUT the debt was owed ... maybe the judge would grant them the remaining $150.00 that you owed to them, and then grant you $5,000.00 in punitive damages or something based on your cross-complaint?

Yeah, that is what I mean....take my nice tidy little damages award and pay them off with that. I have even talked with the references that they have been continually calling as well, despite the fact they know exactly how to get in touch with me.....all of them are willing to sign affidavits AND come to court to recount all the calls they had been getting as well....it really would be a slam dunk.

Can you believe it? Good Ol' Beverly called this morning bright and early at 8 am. She called from a different number, not the one they usually do..I would have answered it if I wasn't half asleep at the time and fumbling with the phone. She left a voice mail...snotty voice as ever, telling us we have to cal her immediately...

I did notice she did not threaten us with a home visit...gee..I wonder why.. :twisted: :twisted: :twisted:

They must not want to get paid..I warned them. Now they will not see one red penny from me on this. They can go jump off a cliff for all I care.

jeez it makes you wonder, doesn't it?

damn... what a story. hang in there Golden. You are very strong and you will again be back on your feet. I believe I would contact a NACA attorney now and start the ball rolling on a suit. Also, I would contact your state AG and make damn sure a complaint was lodged.

I second that advice! I'd sue the pants off of Bev and that loan company!

Are there any laws in TX that are applied to the OC's? I know if that bee-yotch were doing that to me here in FL, I would have already gone after under Florida's Fair Consumer Collection Practices Act. The $150 would have been more than taken care of out of the money she would be owing me once I finished with her.

Does Bev own this company or is she just an employee?

I have to wonder if she is just an employee does she get any kind of rewards for her persistence? I sure hope so, because I'm sure once one of her victims snaps and severely injures or, Heaven forbid, kills her on one of her "house calls" I'm sure that company wouldn't contribute one thin dime to her hospital and/or funeral expenses.

I wouldn't even return her call. Just keep a recording of the message and take a picture of your CID with the new number in it, so you have them handy when you do sue her.

Miss Bev sounds like a real idiot to me!

i second that ron. :!:

Wow. I cannot believe the length at which they tried to chase down less than $150. Unbelievable. Just from a time/value perspective, it isn't worth that kind of effort, or the possible cost of defended herself against a harrassment lawsuit. Crazy. Good job Goldenblast.

Wow. And double wow. Some people just don't get it, do they Golden? After all is said and done and the smoke clears, Good ol Bev might have won the battle, but she's definately lost the war. Hope that $150 was worth it for her, cuz it's going to cost her waaay more than that when you get finished!
And for that, you are definately one of my people of the week, Golden! I am very proud of you for standing up to this idiot woman.

This goes WAY beyond harassment, and I would make certain that the FTC and your State's AG is aware of their tactics.

The gall of this company is just....unbelievable! Now they call everyday! Oh, and Beverly left another cute message, this time to go visit my hubby's work! I would love to see that since my husband works for the state prison.

I am done with it. She has finally snapped my last nerve. I am going to start answering the phone and once again keep informing them of this harassment and I am going to let hem repeat everything all over again........into my microphone. I am getting my tax return soon and a part of it is now going to pay the filing fees for the harassment lawsuit I am going to slap her and that company silly with.

Oh....and I have started keeping copies of these messages they have been leaving, you can almost hear the venom dripping from the phone.

go get em goldenbast.this bev certainly deserves it,and all that goes with it.

I will try posting this once again .. I had a OC show up at my job years ago they scared me right into BK .. I wish this site had been around then .. You have been a big help to me. I also live in Texas ..
You are in my prayers .

After I get some juicy stuff on tape I am going to call and ask Beverly for her address..her HOME address. If she won't give it to me, then I will tell her "Fine..I will have you served at work in front of all your little underlings." :twisted:

Turnabout is fair play