I am so upset and angry!!!

I had a Min Pin when I was a kid. It was smart as hell but hid under the couch at the first sign of trouble or me.

Have 2 3 month old Min Pins.....they attack everything!!

ahhh...baby doglettes!! My fav. I miss both of mine being little like that. I wanted to get a choco one, but they are expensive and I don't have the money for it.

My male, who is a bit shorter than my female, he's much more stout and muscular...he actaully attacked a full grown Dobe and a Rott at a softball tourney one time!! When those big dogs took off yelping, I couldn't believe it-he's normally mild-mannered...but all the kids and parents congratulated my boy...LOL...I'm not sure he know's he's little...

Golden,

Did the cops issue written warnings or give verbal warnings?? I just am boggled that they don't consider it stalking....yeesh...I'm really stunned over the stuff they've done

I had two full-sized Dobermans when I was growing up, and they were more afraid of strangers than the strangers were of them. Of course they looked mean and sounded mean, so we didn't get that many strangers to the house anyway.

Golden, I don't think there is any way of blocking a phone number from calling you on your cell phone; I have AT&T (Cingular) and called them about a year ago to ask the same question and was told it was not possible. The only thing they told me I could do was program the phone to give me some sort of "alert" whenever someone called from that number. Which did me absolutely no good, since I already went into "alert" when I saw the number in the CID.

Besides, you make a great point, you do want to keep saving those phone calls and phone messages they are leaving for you. I really do think they will make a good case for stalking and harassment charges. I might even recommend calling the police and telling them what is going with all the phone calls and see if they offer any suggestions.

I really can't understand why you cannot protect yourself from these psychos!

As for talking to your kids!?! Man, I'm with sphere, it would be "game over" once I found out about that. I'd do like that little old lady that took the hammer to the equipment in that Comcast office a while back! Miss Bev wouldn't be able to call me anymore until she got new phones, because the ones she has now would be crumbs.

Of course, then I'd be the one arrested and in legal trouble, so probably not good advice on my part.

I would still tell your children to start yelling and screaming if any strangers talked to them in the yard again! Get all the neighborhood involved then.

I would definitely just keep calling the police every time someone from that offices shows up at your house again. If you have a digital camera, snap pictures of them as soon as you open the door, that way if they run off once they realize you have called the police you can show them the picture of the psycho on your front doorstep. Maybe the cops can use it to go to their office and issue them a trespass ticket. Plus you'll have that much more evidence when you do sue them for mental anguish.

I still think you should contact your local news channels and see if any want to do a story on that place. I bet more people would come forward once a story aired on your local news.

This is in response to the posted message that read (see below) and it is not letting me reply.

What??? are they just going to wonder through your home and pick and choose things to take? LOL!! Sorry that is called theft. I'm pretty sure we don't live in Russia...or maybe that is where you are internetting from? ... and I really doubt they even do that there. Sounds like a debt collector trying to scare people to me.

------- posted earlier -----

"SOMEONE PLEASE HELP!! I RECEIVED A LETTER FROM MY LOCAL SHERRIFF'S OFFICE 2 DAYS BEFORE CHRISTMAS THREATENING TO COME TO MY JOB OR COME TO MY HOME AND COLLECT PERSONAL PROPERTY IN ORDER TO SETTLE A DEBT CLAIM FILED BY PALISADES COLLECTIONS. THEY HAVE SENT THE SHERRIFF'S OFFICERS TO MY HOME TWICE FOR credit card debt ORIGINALLY OPENED WITH HSBC BANK IN THE AMOUNT OF 1,073.00. I HAVE UNTIL 1/5/09 TO ARRANGE SOME KIND OF SETTLEMENT OR RISK THE EMBARRASSMENT OF AN OFFICER COMING TO MY HOME OR EVEN WORSE MY JOB!! WHAT IN THE WORLD SHOULD I DO WHEN I DON'T HAVE THE FUNDS AVAILABLE?

PS: Many good lawyers will take a case like this and allow you to make payments. It is far easier to make payments to a credit lawyer while feeling you have won, than to pay a terrible CA.

Golden, didn't I read in one of your post that your husband worked at a prison? If so, have him give out MS Bevs phone number to all the inmates and have them call her, collect of course,. If her phone lines are jammed, she can't call and harass you. You might also have your hubby to scrawl her number on the restroom wall of a truckstop. Heck, post her number on this site and I'm sure she will get a few calls from your friends here.

From what Golden has said they are the original creditor and are not bound by the FDCPA however most states have their own laws in place to protect citizens from any sort of creditor harassment. She just has not contacted the right attorney yet. She must keep trying. I had to contact 4 different attorneys before I could find one to handle a wrongful termination case even though they all listed it as an area of practice. Keep searching Golden. You owe it to yourself and others.

AMEN frogpatch.she shouldn't be allowed to get away with this.

I think that talking (even jokingly) about shooting, stabbing or killing someone for knocking on your door (as long as someone is without violent intent of course) or talking to your kids on the phone about a bill is way over the line. I am all for our second ammendment rights and protecting what is ours from injury, but would anyone seriously KILL someone for any of the above actions? I sure hope not.

Well, I for one wasn't making a joke about it.

I could imagine what would happen if this woman were to make a house-call to someone that was just the slightest bit mentally unstable, was behind on several of their bills, felt they had nothing much else to lose, and Miss Bev caught them at just the right (or should I say wrong?) time.

You hear about stories like that in the news all the time.

This is why she needs to be made to stop this harassing behavior before she, or someone she sends from her office, gets seriously injured.

With the economy like it is today, someone owing $150 is not worth being mercilessly tormented as Miss Bev has done. As I said, if she acts like this over $150, I shudder to think what she does if someone owes $1,500 and misses payments.

I think golden is going about it the right way ... the legal way, UNLIKE what Miss Bev is doing. I am NOT saying Miss Bev is in the right, she is definitely not. I was just commenting on the flippant comments about threatening to kill someone, I just didn't see that it was appropriate or helpful to Golden's situation. Sure some whacko probably WOULD attack a bill collector showing up at a home, I would hate to think that it was someone who got the idea by reading THESE forums.

LOL...no, most of us crazies make this up on our own....

To me, this is just another shining example of why the FDCPA needs to be readdressed and rewritten to further clarify illegal behavior, make penalties much more steep for violators, and include original creditors! I'm just surprised TX has no consumer laws that can be applied to the OC in this case, I always got the impression it was a pretty forward thinking state when it came to that.

Here's an excerpt from the Florida Consumer Collection Practices Act I would have already brought to bear on Miss Bev if she had been doing this to me:
559.72(7) -(In collecting consumer debts, no person shall) willfully communicate with the debtor or any member of her or his family with such frequency as can reasonably be expected to harass the debtor or her or his family, or willfully engage in other conduct which can reasonably be expected to abuse or harass the debtor or any member of her or his family;

Miss Bev has certainly done that, and more!

If Florida can write something like this and it can be applied to Original Creditors (and we all know how backwards Florida can be sometimes) why can't other states? Or even the Federal Government for that matter?

We all need to get more involved with our lawmakers and start making noise to get the FDCPA overhauled! Big time!

And I have to admit, if someone were going to snap and attack a bill collector, it could be just about anything that would set him off. I think I mentioned on this forum once about the guy that went into a GMAC office here in Jacksonville (sometime around the very late 80's or very early 90's) and started shooting up the place over a car loan.

It could be something as simple as not getting extra onions on a Whopper that could set someone off that is already under a tremendous amount of stress due to job loss, being behind on bills, the generally terrible economey, etc. Miss Bev should really be thinking about this before she goes door-to-door harassing debtors over $150. Or sending one of her employees to get around a "no trespassing" ticket she has already received.

The police issued written warnings...Bev got one and I got one. The officer told me to keep it, because if she came back I would need to show it to the responding officer for her to be charged with criminal trespass.

I have a dog..a chihuahua..actually two now since she had pups and I decided to keep one. Come to think of it, Bev's first visit..I had the kids put the dog in their bedroom, because she goes nuts at strangers...well, they accidentally let her out and she charged out the door and nipped at Bev's heels, even got her pant leg and did the 'growl growl shake shake' routine..don't think it actually ripped her pants, but it was funny..then she like an idiot waved her pen in the dog's face, calling her a bad dog..well that set her off something awful, snarling and snapping..it was lucky I had a hold of her....who in their right mind would provoke an already angry and protective dog????

Yeah I decided to just record the phone calls and keep calling the cops when they come to the door..gather up a nice cache of evidence and then bring the slam-down....media, harassment suit, etc.

Curiously enough, since the last guy came to the door and I called and told Bev to get bent, they have not called or came by....still think they will.........they just took a break, or now that I finally said I was not going to pay them, NOW they take me seriously and have stopped the harassment knowing that I am very close to getting my tax return. Who knows at this point?

have you gone to speak to a lawyer yet?

smo65d11, I believe a few posts back she said she did, but since it's still at the OC, few lawyers had any interest in the case. goldenbast, I sent you a PM on a lawyer who I contacted when I had payday lender problems and they kept contacting me and he was willing to take the case.. but never followed through since they stopped calling.

Well the calls have started again. I spoke to the county about harassment and a restraining order..was told that it can't be done for this situation. There is just no lawyer in this area who will even touch this..I guess it is in a very gray area since it is the OC.

Personally, if I have to put up with the harassment then so be it..I can wait them out. I don't answer the phone if they call, or if they sneak a new number by me I just hang up when they identify themselves, then I add that new number to my phone memory and don't answer those either. If they come to my door I will call the police. As soon as I get enough to satisfy the judge that it is indeed harassment I will be suing them in small claims.

I don't care if I owe it...if they want to bully me, since it is hard for me to do anything about it. Fine. Then I refuse to pay it, since they can't easily collect..even if they won a judgment there is nothing for them to take since there is no garnishment.

I refuse to be bullied in this fashion. Since they refuse to stop, I refuse to pay.

Guest, ARE YOU FLIRTING WITH GOLDEN AGAIN? SHE HAS TOLD YOU BEFORE THAT SHE IS MARRIED!! SO WHO IS THE REAL DUMBA$$? MUST BE YOU!!

LOL I'm a debt dodger? That is actually pretty funny since I am not dodging ANY debt. There is a difference between dodging a debt and refusing to pay...it is obvious, at least to any person with half a brain.

I don't care what anyone says. Just because you owe a debt does not give the one owed the right to harass people and to trespass upon their property. You are quick to say it is not harassment, and perhaps you are right..it isn't harassment....yet...but hey are quick on their way to it becoming harassment.

This company is using a gray area of the law to trespass upon my home to try and force a payment. As far as I am concerned, I will not buckle under such treatment. If they wanted to get paid so bad, they should have stopped at breaking the law..and yes, trespassing IS against the law....just so you know..

You know, I read this last night and was going to respond to "Guest", telling him/her what an incredible dumb-@$$ he/she is. It's painfully obvious he/she has not read the entire thread.

Probably too many words and not enough illustrations in it, unlike the other elementary school second grade material he/she is a little more used to reading.

What this woman is doing is harassment, pure and simple. If this had been going on in Florida, I would have already started the process of suing her. Because it's TX, and there doesn't seem to be any collection laws that can be applied to the OC, she is getting away with harassment and, in my opinion, stalking.

I would not be paying the remaining $150 either. If I felt generous, she might get it out of the money I'm awarded for her violations of the Florida Consumer Collection Practices Act; however, I doubt I would be feeling generous after being put through what GoldenBast and her family has been put through.

At this point, if Golden chooses to pay the $150, I would advise her to pay it in pennies at Miss Bev's office. I would love to see her face when Golden throws them on her desk!!

I would pay her in Chinese yen!!!!!!!!!

lol@ kscornell & po.kertramp.

LOL!

Yeah, that's funny stuff. I would go the penny payment route myself. Making sure they weren't rolled either; shed get a BIG OLD bag of pennies slammed down on her desk.

Or, if they have a mail slot in the door of their office, like some businesses do, I'd wait until they were closed for the day and everyone was gone then start shoveling pennies through the mail slot.

All 15,000 of them!

then drop a note through on top advising these pennies were PIF for the $150 on account number XXX.

once again i have to wipe out the idiocy.these clowns never learn.i for one will not go for these attacks on goldenbast.

I am sorry to hear about your situation. I feel you should now be on the offensive rather than being defensive. Offence is sometimes the best form of defence! Go ahead and get a lawyer who will do some pro bono work and sue them. Turn things against them now!

let her get popped, word spreads fast and others will think twice about showing up at someones door. I do think her coming to your address is a violation of fdca you should check and see, never even in jest say comeon by as they will use that as an invite. good luck

UPDATE:

I now have THREE trespass warnings for this company. This is beyond ridiculous! The last one that came by once again insisted it was not trespassing, that they had a right to be here. I showed her the other trespass warning and she said and I quote, "I am not talking to you, this account is in your husbands name, not yours." My husband was standing right there....so I turned to him and asked him to show her the warnings. :) She didn't answer that time.

So again cops came out, talked to them for a while and then issued her the warning. Then the cop came over and said that she said they were going to sue us and take our tax return. I asked the cop if he would be willing to testify in court that she said that.....he just looked at me. I explained to him that it is against the law for them to threaten something they can't actually do.....this is a non garnish state so they CANT take our tax return.

I still can't find anyone who will even touch this as a harassment....I found out our judge is a hardass.....he will just look at the fact we owe.....this is the same judge that sided with our landlord with all the rent BS and ended up evicted...against our own state's laws for that I might add.

So, I guess I am not going to try to sue them....but two can play that game. I called them and just chatted. I called again the next day...I call them every time they call me now.

I told Beverly I was going to picket her storefront..she said she would have me arrested for trespassing...I told her no she won't, because I will just have a different family member do it each time.....and I have ALOT of friends and family. That shut her up for a full minute.

Wow, so they are flagrantly violating the law. Absolutely amazing. I don't know what to say--I am just amazed.
Let me ask you something: how much do you owe them at this point--and if it's a relatively small amount, I think that the media would be interested in this. Hey, make them look like idiots to your whole community, right?

I was entrapped once. I got beat up by someone and called the cops. The other guy claimed self defense. The cop told me he could do nothing as it was my word against his. *hint* *hint*

goldenbast, now that you have three trust pass warnings, how about giving that lawyer I gave you a while back a call on Monday I bet he'll take it :)

Not to mention the fact that you do have a witness saying they were going to do something they cannot legally do. I think in the beginning she said she owed $150.. if i'm not mistaken.

Holy crap Golden!!! I am so so sorry about this Miss Bev and her evil army messing with you. Believe you me if I lived anywhere close to you I would be at the front of the protest line with a sign about good ol' C U Next Tuesday Bev... Wanna borrow our dog Woody? He's a 65 pound pit bull mix we rescued, and he is protective of those he loves to a fault... and I am sure not one of those lackeys or Miss Bev would make it even close to your front porch with him posted outside =)

Seriously though, I am so sorry for you having to deal with this while dealing with cancer as well on top of all it. Please, please please take good care of yourself, and if possible, try to not let all this get to you. You and your family are in my thoughts (I would say prayers, but we too are pagan).

Take care now.

Patti

I don't think the cop is going to testify for me...they were kinda grumpy about coming out...but honestly....why be grumpy at me? It is this stupid company that keeps coming out!

That lawyer is no where near me unfortunately :( No lawyer around here wants to take it on.....we seem to have no consumer lawyers around here....I called one that was in the next city over (about an hour away) that I found listed on NACA and she didn't know -anything- about FDCPA, FCRA or even about Texas Debt Collection laws...matter of fact, I had to tell her about those laws and where to go look them up...now that scared me...she is listed as a consumer attorney yet I knew more then she did.

Golden form the way I understand it, he's no where near me either, but he was willing to take my case against the overseas payday loans. I believe he has attorneys in offices all over the place I think. Give him a call and see what he says now.

I would seriously consider gettting the media involved. Now, if the media takes this story, they risk looking like fools to your whole community--which would not make a whole lotta people want to loan with them, right? I still think you should pursue this--and maybe then, they will leave you alone.

I also wonder, if you actually file harrasment charges (I know you had trust passing tickets issued) But now follow up with harrasment charges. Get their butts' in court and sue them in small-claims court yourself.

"I still can't find anyone who will even touch this as a harassment....I found out our judge is a hardass.....he will just look at the fact we owe.....this is the same judge that sided with our landlord with all the rent BS and ended up evicted...against our own state's laws for that I might add. "

sounds like too much debt drama I think for anyone to open up the can of worms..sorry you may have a case here buyt your previous actions are preventing you from prevailing in this case

If the judge sided with the landlord against your states laws, have you filed a complaint against the judge?

That was my thoughts exactly. GoldenBast, should check with the Texas Bar and see what you can do about that. It seems to me there should be some sort of way to file a grievance against a judge when they don't follow the laws in their courts. A judge just can't do pretty much what he fells without any recourse.

Also, I would seriously consider taking this story to the local news stations in your area. If I had not done it when this first started, then I would certainly do so now.

To camp onto Ron's post, I would suggest going to a television station with a consumer reporter, as I think they would be more likely to run your story. In the Bay Area, for example, everyone's heard of "Seven on Your Side" on the local ABC affiliate. You need someone like that, and I think they could run a smoking story here.

"I understand we are in debt. We had a debt we have been paying on, one of the last actually"=== original statement by op and if this is the truth== there are many many orginizations out there who will report the truth and she can be vindicated I agree with the above comments and wish luck to her and family

personal attacks are not permitted. Good bye

personal attacks upon any poster violate the TOS and will not be tolerated. this thread will be locked.
_________________moderated by JJ

golden-
so how did this turn out? did you pay it? did they go away? did you you-n-bev go out for lunch? j/k..anyway how did it turn out? ignore all the attackers in this thread..i don't blame you for standing up for your rights regarding tresspassing..