collection call

They do not have to honor a debt validation over the phone....you must do it in writing.

IT was Drake Clarke and Associates from Buffalo NY for a loan with ALCM (???). . . Anybody heard of them?

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Was the loan from an illegal lender? If so, they're likely trying to scare you into paying.

I would send them a debt validation letter as soon as possible. They cannot file suit against you during the DV process.

this place won't do squat period.the fact that they are threatening garnishment in a non-garnishment state says it all to me.i would need a ph#to get an address to send the DV letter.

First of all soaplady, you're wrong. The do have to honor it and you don't have to do it by mail. It's just better if you do or at least follow up the phone request by mail. Secondly, who is the debt collector. Give me their name and I'll see what I can find out. Thirdly, they can't just go get a garnishment, it doesn't work that way. Last, make no agreements of anykind and don't give them your bank accounts or credit cards. One more thing, if you have one hook up a recorder to the phone and tape them the next time they call. Make sure you tell them, "I am recording this call" 9 out of 10 times they will hang up. If they are on the up and up they won't care, if they hang up their slime.

Texas is a non garnishment state.

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No Rick...you are wrong. Sec 805 of the FDCPA
"(c) CEASING COMMUNICATION. If a consumer notifies a [FONT=Times New Roman,Times New Roman][SIZE=3]debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer"[/SIZE][/FONT]
[FONT=Times New Roman,Times New Roman][SIZE=3][FONT=Times New Roman,Times New Roman][SIZE=3][/SIZE][/FONT][/SIZE][/FONT]
[FONT=Times New Roman,Times New Roman][SIZE=3]Only work calls can be done verbally....all other calls must be ceased IN WRITING.
[/SIZE][/FONT]

I told them to stop calling me at work and I faxed them a copy of the letter I am sending stating not to call me again. . . they have called me 5 more times since.

also the guy said the laws have changed and I should look them up.

he is lying out of his a$$.the only thing that's changed is there tactics.the collection,and pdl laws in texas did not change.

I am stressed out!! I just got a call from a "processor" stating that he was on the way to serve me with a summons. He said he would deliver it first thing in the morning but I should call the complaintant....who is Joe Willis from JD Enterprises. I call him and he says he is going to sue me over a payday loan with Quickest Cash Advance from November of 2006. He said I owe 873.53. This is the first I have heard of this. I asked him if he could please send me proof of the loan (I went through a time where I had like 3 payday loans out....I know...how dumb). Anyway, I just want to make sure that it is legitimantly mine. He says he doesn't have to prove anything and just reads me my email address and the address that I had. He says "Look ma'am you don't have good credit....if you had a good credit score I could see you disputing this". I told him that if he could prove the debt to me, I had no problem paying it. He refused. I told him that I would like to settle this outside of court. He told me that I would have to pay 1/2 of the amount today. I don't get paid till the first so that is out of the question. When I explained that to him, he said then I will see you in court....and hung up on me. I have read somethings about Quickest Cash Advance not being a legit payday lender. I live in Texas.....Can someone please tell me what to do....Am I going to be sued??

look i answered your other post.do not keep posting the same question in different threads.it's very confusing.

I do work at a collection agency but am no way with the one stated above.........but i will say that we do have lawyers in Texas that are suing accounts.........not sure whether they are for garnishments or what, but we do sue accounts!! You can bad mouth collections but were not all bad ones..........I love helping people get out of debt, cause i was there once!

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They called my ex-husband!!! We have not been married for over 24 years (I have no idea how they got his information). . . How humiliating is that? I do not know how to handle someone so aggressive.

Yesterday they called my daughter's IN-LAWS house. . . don't even know how they got their number but they clearly spoke with them regarding a pending lawsuit against me. . . I have already sent a C & D letter and a DV. Not sure what else I can do to make these calls stop. It is humiliating to have near strangers get phone calls. I have filed complaints with TEXAS AG and the FTC.

I believe this place may be collecting for Ameriloan . . . anyone heard of them?