I am so upset and angry!!!

you know what would be absolutely true justice, for you to win enough in your harrassment suit not only to pay your 150 bucks but also to help you out of your mess. I see so often you provide assistance to many people and you have answered alot of my questions and I would just love to see a windfall come your way courtesy of beverly.

You need to let her know that she is not to come anywhere near your home and she should know that you have contacted the police. Have you asked for her supervisor's name? I can not say that they did was illegal because a contract is a contract and it may say that they have a right to pay a visit to your house if unable to reach you by phone.
If you tell her that she is not to come to your home and she does so after the fact then that would be trespassing.
I would suggest reading the contract and contacting her supervisor.

We have already gotten past that point. I have already had the police issue her a trespass warning..if she comes again it will be criminal trespass and she will be arrested.

Did your contract say they were permitted to make an at home visit for late payment? I know a lot of those smaller loan companies actually have a disclaimer that states they will pay you a visit at your address if payments are not made and have you sign it acknowledging so. If so, they could use that if you pressed charges for trespassing. Just want you to be informed.

I don't even have the contract, but the key was they could come if there was no contact..there was a TON of contact, I was calling them twice a week, yet they were still calling me almost daily and calling all my contacts.

Besides, a contract does not permit someone to break the law....if that were the case then they could put in the contract that if you don't pay they will break your legs. Contracts do not allow illegal activity.

I am not disagreeing with you on the fact they should NOT be coming to your house. I was just simply stating that if it is noted in any disclaimer that you may have signed; I would want to be aware of that. You would be amazed at how people never read what they sign anymore.

That is true! I now scrutinize everything VERY carefully.I feel into the CSO trap a long while back and I never even HEARD of a CSO at the time.

But no matter what disclaimers were in the contract, they would be null and void if they crossed legal boundaries, such as active trespass...I think the key to it was that I insisted on my rights and when it came down to it, the law sided with me.

I really wonder if most people are simply intimidated when this happens and do not know that they CAN do something about it.....I mean, if no one actually DOES anything about it, then nothings GETS done about it.

Something to think about.

Have you also thought about filing a restraining order against Bevvy-poo?? Just something to run by you. That way, the next time she shows herself at your place, you can have her butt run right in. Go get em!!

Just a thought-my teenage daughter once worked for an embroidery company and had a jacket made-they charged her the employee price which we paid. A few weeks later, she turned in her notice because the work conditions there were unbearable-then we received a bill in the mail for $3.29 for the jacket-the difference I guess in the employee discount and regular price.

They had treated her so badly we paid the bill-in pennies taped to cardboard. I think they got the point!

If/when you pay the $150.00 you could tape them with clear duct tape to cardboard and let dear ol' Bev have to peel them off. Another dirty santa trick-you could dip the pennies in paraffin wax first!

Good luck!!

wow the only time I have known companies to show up on your doorstep is to try and repossess something and they are the ones who call cops in advance who show up with them! If it is a $150 debt....from a stupid loan companie I'd get a big pit bull in my front yard heh-heh

"Internet's first get-out-of-debt community - 150,000 members"
Hi I am not collector just copied the tag line on site and read this entire post can you get out of debt here by not paying? Is that what site helps with? I love it and think all who enter should not pay if they can get away with it ! Just wait for collector to cross the line because I think they eventually will if you do not pay..and then you DONT have to pay? that is what I am seeing here and this is really GREAT!!!!!this site is awesum!

good job tho telling people how not to pay the debt this is great! just wait for collector to cross the line they will if you are not paying ====then dont pay sue them if they violate!!!!!!!!

You know what guest? Nobody here really cares for your smart ass comments. I had every intention to pay the stupid thing, but enough is enough I will NOT be intimidated, harassed and so on. I am a big advocate of paying what you owe, but this company has already cost me the $150 in cell phone calls alone, NOT to mention all the time I was wasting calling them twice a week and all the time I spent on the phone talking to the irate friends and family that keep getting calls from these people....as far as I am concerned, I don't owe them anything. Can't pay what I don't owe.

to the one guest.go back to third grade.to the second guest,no one here says anything of the kind.this is clear case of harrasement and abuse by a creditor.when goldenbast gives bev what she deserves i will cheer.that means the law supports her not the creditor.there is only so much a creditor can do.it's obvious you two must know bev.give her our regards.

I was going to respond to our "Guest" earlier; however, I thought his post was just too asinine and didn't rate a response. He obviously didn't read the entire post, or if he did, didn't comprehend it.

Golden's post speaks for itself and any troll spew getting the facts incorrect really just make that troll look stupid.

It might be GoldenBast's secret stalker back again for another visit?

maybe,but they never addressed goldenbast by name.just that this forum teaches people not pay there bills.just plain troll spew.

Man seems i miss alot when I'm sick.. Golden.. I really hope this company gets what is deserve... this has gone way up and above trying to collect a debt.

Yep, you're right. My bad.

But the second post didn't mention Golden by name; however, it's pretty obvious that's who he/she meant.

Still, whoever posted either entries just plain doesn't have a clue what they're talking about. This site has never advised anyone just to not pay their bills, further, GoldenBast never advised to anyone, throughout this entire thread, to not pay their bills.

Personally, I support her decision to withhold the $150 that was owed to Miss Bev and company due to the inordinate amount of harassment and headache she has been put through. It is plain that Miss Bev is now just out to harass Golden as evidenced by the continued calls after the incident last week and the fact Golden called Miss Bev's office and specifically instructed for no one from that office to call her again. yet here we are, one week later, and Miss Bev has started up the phone calls again.

I really wouldn't be surprised if Miss Bev is stupid enough to show up on Golden's front doorstep again.

And guest, you make it sound like it is OK for a OC/CA to cross the line because someone hasn't paid a bill, for whatever reason. Like that gives the OC/CA the right to break laws and harass debtors to the point they are afraid to answer their phones or even walk out their front door?

Right now, in the US, it isn't a crime to owe money and not pay (for whatever reason), it is, however, a crime for an OC/CA to continually harass a debtor, threaten them with jail, call their job continuously, tell third parties the debtor's business, show up at the debtor's front door uninvited, and so much more. Lawmakers obviously thought it was more important to pass laws to protect consumers from this type of illegal behavior, or we wouldn't have the fdcpa or any states laws the protect consumers from behavior like this.

Honestly, if you're not happy that it's not a crime to owe money and not pay (for whatever reason) you need to talk to your representatives in the government and ask them to do something about it. You'd probably be surprised at how many people would end up in jail if these laws were passed. You might even end up there because of a mistake a CA made?

Think about that.

And stop coming here and posting your garbage.

well ... Golden could always pay the $150 (when she can), and proceed with the lawsuit against them for the violations. That way the company couldn't say they were never paid.

OMG!!!!! They SENT someone new to my house! Some poor sap named Alex!!! He was new and said Beverly assigned him the account and told him to come to the house! I was so flabbergasted I forgot to cal the police..so I warned him...don't let Beverly talk him into coming back, because I will call the police!

And I had talked to them when they called and I told her we just got our w2s and were going to file...she suggested we bring them to her to do it..uh..no frikkin way. But I decided that it was a debt so I told her about 3 weeks or so we would be able to pay it..and she sends someone just the NEXT DAY!

I just can't wrap my brain around it...so it looks like it is war now..seems they have no intention of stopping sending people to my house.

I wonder if I can protest the company..right to assembly and all that? Stand out at the street or in the parking lot with a flier of our story about he harassment and abuse by this company...I just don't want to get popped for harassment or trespassing but I am so pissed I would spend all day to protest this company!

OMG!

Tell me you're kidding?!?

In my opinion, it has now gone beyond simple debt collection and has progressed into something much, much more. You really need to check with an attorney as to what your options are! Miss Bev is now just going out of her way to continue to harass you, as she has already proven, and now she's trying to skirt the law by sending someone new to our house. After you have told her, in no uncertain terms, never to call or come back!

Does the term "stalking" apply here? Would a restraining order be something that could be considered?

Contact a local news channel and let them know what is happening and see if they want to do a story on it. If this psycho bee-yotch is doing it to you, I have to wonder how many others have been victims of her shenanigans.

At this point, it would be a cold day in hell before Miss Bev saw one single penny of that $150 from me! Tax refund or no!

Ron:
You took the words right out of my mouth. I was going to tell Golden to go to the media, but you beat me to it. Great minds think alike, right? Now it's definately time to get them involved--and if TV won't do it, then I would go to your local paper.
If they're doing it to Golden, you know that they're doing it to other people in her town, and it needs to be stopped.
I would also run, not walk, to the local consumer lawyer and file a suit against this place.

Ohh yeah..I intend to..Monday I am going to start calling lawyers and seeing what my options are. Hell, if I have too I will use the 150 to file a small claims suit for harassment. I poured over Texas laws, but I just can't seem to find a law that prohibits them from coming to my house..so I will be talking to an attorney Monday.

WOW SOMEONE SAID_____"You know what guest? Nobody here really cares for your smart ass comments. I had every intention to pay the stupid thing, but enough is enough I will NOT be intimidated, harassed and so on. I am a big advocate of paying what you owe, but this company has already cost me the $150 in cell phone calls alone, NOT to mention all the time I was wasting calling them twice a week and all the time I spent on the phone talking to the irate friends and family that keep getting calls from these people....as far as I am concerned, I don't owe them anything. Can't pay what I don't owe. "

My take on this thread is that you OWE THEM $150 and did not pay..now you have problems because they are still trying to collect a debt you chose not to honor?????You spent hours on the phone "STILL not attemtping to PAY the debt you chose not to honor?" And now you are even because YOU WASTED TOO MUCH TIME NOT PAYING WHAT YOU OWE????
WTH???? no wonder so many of these simple debts end up growing into huge amounts..should they not be compensated for the additional time and manpower it took them to collect this debt you did not pay? If they can validate the original debt and you did not pay it...I think they will be able to collect more...you just can't write off debt and say you are even because you spent "$150" worth of time trying to dodge the debt!!!!!

And I forgot to mention--I am asuming you are a smart person you said" I had every intention to pay the stupid thing" thus a clear admission that you in my opinion owe the stupid thing but have not paid it yet?

Last guest, everyone can tell that you are a DUMB-A$S!! You can't spell and are probably a scumbag collector.
Guest #1 above you is another DUMB-AS$!!!
THERE IS NO REASON FOR DUMB-ASSES TO SPOUT OFF ABOUT THE PROBLEMS THAT GOLDEN IS HAVING!! I have a feeling that paul will be along and delete your trash talking post soon.

PLEASE get yourself an attorney and file a suit. You MUST stop yhis from happening to others as well as yourself. I am sure there are state laws in place that make this illegal activity. You owe it to yourself and others. This is the most insane activity I have ever heard of. JUST DO IT! PLEASE! To all you posters that have sided with the collector in this, you are a sick bunch of sociopaths and it is beyond me how you can sleep at night with the devil in bed with you.

I absolutely agree!

This woman, Miss Bev, has absolutely gone above simply trying to collect $150. She is behaving like some organized crime loan-shark!

It's just not normal behavior for any reputable financial institution to engage in such harassing behavior no matter how much is owed? WTF would Miss Bev be doing if GoldenBast owed $1,500?

Leaving horse-heads in her bed?

This woman and her borderline criminal behavior really needs to be exposed so others aren't subjected to it!

And guest one and guest two, shut up! If you had even read this entire thread, you might have an understanding of what is actually going on instead of just quoting one thing Golden posted, using it to try and prove your own stupid point.

Idiots.

I don't really care what the guests think, they just prove how incompetent they truly are since obviously they didn't read the entire thread....I am astonished they think I am not honoring my debt. What they don't seem to realize is that I was going to, just waiting for tax return...I told the company this multiple times, yet they continued to harass me and my contacts even though they knew exactly when I was going to pay it.

Had the company acted ethically and within the scope of the law, they would have gotten paid. But the simple fact is by law they are not allowed to cost someone more money, say by calling a cell phone. They sometimes call more then once a day and that was when I was still communicating with them! They cost me more then the $150 in cell phone bills alone!

The police told Beverly to stop coming to my house, that it was illegal for her to do so!

Were I to pay them now, then all their gestapo tactics will have worked and they will continue to do this unlawful behavior to other people!

I am speaking to lawyers Monday and will be suing this company for the illegal activity plus the harassment. If they want, they can counter sue for the $150, I will pay it out of the couple thousand or more I will get from this suit. So you see 'guests' (I am using the term loosely) I will be paying it, after all.

Now let's look at the facts of this case, OK?

Golden has a debt that she has acknowledged to the company on more than one occasion, and has paid it down to $150.

Golden fully intends to pay off what she owes, but does not have all of it at this time, which she has told the company.

By harassing Golden at her home, this doesn't change the facts of this case. If she had the money, she certainly would have paid it!

Golden has not dodged this company, so even if they took her to court, they can't say she is ignoring them, because SHE has contacted them.

So....tell me again, how does harassing someone who has told you on more than one occasion what is going on, make them pay their debt any faster? Did Bev think the money was going to magically appear out of thin air?

you can't argue with idiots kscornell.it's not worth it.they are probably co-workers of bev's.either way i couldn't care less what those two trolls think.i agree with frogpatch.get an attorney and sue this company for there obvoius disregard for all things civil and legal.as evidenced by the warning bev was given by the police.

Just me but I'd look up Texas' Castle law. A dead body in your front yard would be a deterrant, don't ya think :twisted:

LOL, Nascar!! That did put a smile on my face. And Paul, yes these guests could be ol' Bev's family members, but I just wanted to show how bogus that whole argument is. I can't wait for Golden to come on with the next chapter in this story...

I agree with guest above! but the statement from cornwell about [has paid it down to 150] my opinion would agree with the guest question that someone should not think because they spent time trying to not pay the debt that it is then "paid" because $150 was wasted with them on phone telling debtors they can not pay now---i think if you do not pay an obligation it doesnt matter if you spend rest of life trying to get it resolved you can not "write off" debt for time spent because you should have paid to begin with? this is what the guest major point was i thought when i read above posts and op said they didnt think they owe now...sry if i am to stupid to understand but am new and might need some help but not if people are atacking new guest here

Well, at this point it doesn't matter how much Golden spent "trying to not pay the debt", I think she is now due for a little something called "pain and suffering!"

If this were happening to me, I wouldn't feel comfortable in my own home! Every time the doorbell rang, I would feel like I was going to throw up, afraid it is Miss Bev or one of her henchmen come to break my kneecaps over $150! Or be afraid to walk out the front door because Miss Bev might do something to physically harm me.

And don't tell me that couldn't happen, because the news is full of stories like this. That's why anti-stalking laws are such a big issue these days.

I seriously think GoldenBast should look into getting a restraining order against that entire company.

So, shut up Guest!

and it's kscornell, not corwell.

Idiot!

well guest i will go after you now.what gives this person(and i use that term loosely)to do what they have been doing.next time read the entire thread before acting stupid ok?

I got a headache just trying to make sense of Guest's post. There wasn't a coherent thought there so I just ignored it.

LOL!

Yeah, a little proofreading goes a long way.

i couldn't ignore it.i'm really getting tired of guests coming on and making blanket statements without knowing squat.they never read the thread.just one guest they agree with.ridiculous.

It's that "herd mentality" most debt collectors have. They'll agree with anything so long as it disagrees with anything someone owing a debt might say against a CA's activities.

No matter how illegal those activities might seem.

Still, I can't wait to see if Golden posts any updates today.

Debt Collectoers know that the odds of being sued are about one in one thousand. They do what works for them and will take the occasional hit as part of doing business. I have successfully sued a couple of them and they quickly settled out of court and paid up. Their loss my lawyers profit. I got a few bucks too. Did they continue with their unlawful conduct? Absolutely! I am reading about it here everyday.

Well I couldn't get any lawyers really interested...for the reasons I was afraid of...there just isn't any real laws on this...nothing stops an OC from calling, not even a cease & desist letter..so that part is out. As for them coming to the door, it doesn't (yet) look like harassment...Beverly was warned away by the police, but in order for it to start looking like a clean cut case of harassment they will have to do it a couple more times...so I guess I will keep calling the cops on these jerks and when I have a few of these warnings I will try again.

So, I am going to block their number so they can't even get through to leave voice mail..maybe that will keep them sending people for me to sick the cops on. But at this point I am so done with them, it will be a cold day in hell before I pay them one damn penny on this and I don't care what the little guest trolls have to say about that. I am making a stand in apparently the only way they will understand..by not paying them.

Yeesh..I don't understand why nothing can be done about them coming to your house...that's stalking in a way...maybe you should follow them home one day. Sit out in front of thier house while they play with thier kids in the yard...might make em think about it...LOL..but that's the psycho in me.

I think it's really unfair for you to have this stuff happen this way. There are other ways for them to handle this...they are chosing not to do it properly

That is how I see it as well...so if they choose to keep hounding me in such a fashion (the second guy even had the nerve to talk to my kids playing out in the front yard - I didn't find out about this until after he left) then I am going to act in like fashion and refuse to pay them. Simple as that.

I called Beverly and told her I was done with her, done with the company. I told her in no uncertain terms that I was not going to pay them, that harassing me at my house and harassing my 7 year old son was it, they can go to hell. I will keep calling the police until I have enough trespass warnings to prove harassment.

I am still trying to figure out how to block their number, I can't find the cell phone manual..but I am wondering if I should just continue to let hem keep leaving messages, they have gotten more hostile..and they may help prove harassment down the line..especially if they threaten to keep sending new people to avoid a trespass..that would seem to be harassment to me.

goldenbast, can you get one of those inexpensive "No trustpassing" signs at the hardware store?

Hell, if I thought it would work I would draw one up with paper and crayons. But I don't think it would make much difference..they are going to just send new people who will get a warning...they would have to come back against the warning.

Golden...yea..talking to your kids...not cool. I'm sorry, but the psycho in me would cause me to answer the door with my gun loaded and pointed in thier face...and well, if you happen to be slicing veggies up with your extra large knife, answer the door and trip on the treshhold and stab them...whoops!!!

I'd post those signs up too....that's a warning...unless they can't read..then hell, I'd stab 'em!

Regardless...it's wrong what they are doing. It's harassment, stalking and causing you undue emotional distress. Which I"m sorry..family first..protect what is yours. They have absolutely no business what-so-ever talking to your kids..period!!

LOL..I'm one of those that if my neighbors were outside, and if I had kids and a collector walked up to them to talk, I'd run outside screaming stop touching my childs private parts...but I'd make sure Everyone heard...LOL..but yea..I"m crazy...so..there ya go.

I wish I lived near you. I'd come take care of it for you.

Is there a vicious guard dog you can borrow? Try Rent a Junk Yard Dog.

LOL..my little min pin is a brat and she scares the crap out of everyone she comes across....I think in this case..size doesn't matter... =)