small-time CA's trying to bark like the big dogs....
Date: Mon, 06/21/2010 - 17:55
OK, so I have these two small-time CA's, both of them in the same state, trying to collect very small balances for supposed medical debts. Without giving too much away, one is less than $60 and the other one is less than $20. No, those are not typos, the amounts are really that small.
Well, I've always been a "principle" kinda guy, which means I am not gonna fork over even a small amount of cash to put an end to this. It isnt my debt, I will not pay it. Its that simple. So, I keep getting calls from one CA, saying "you owe us $less than 20, now pay up". Well, I have a bigger concern here, because as of late I find more and more of my personal info has been used by other people, even in different states. So, I dispute and request validation. That was a few months ago. The calls have not stopped, and no validation has ever came. This past week, I got in touch with a lady who insisted that "we sent you validation back in April, it didnt get returned and we pay for return service so we know you got it." Folks--let's get real here. I am not going to hide validation over less than $20....come on already! I took off out of state last weekend and while we were gone they called again.....so I fired off a nice ITS letter today. This <$20 debt is now going to cost them $1000 plus costs, fees, and whatever else a court decides. They have at least 5 concrete FDCPA violations that I have complete proof of, so it isnt even a close call. Even after informing them of what I had as proof they chose to continue this crap....over that little amount of money!
the second one is even worse....they have broken the same statutes of the FDCPA as the first one, but then they pull something extra. When on a phone call with them, I tell the guy that I already disputed the debt and that he has no business calling me until they validate. He comes back with "well, we dont have one account here for you, we have TWENTY".....come to find out that not only is the "20 accounts" claim a load of BS that he made up, but he also disclosed someone else's debt info to me...and THEN he provided me with their mailing address, trying to claim that it was mine! The moron verified my mailing address at the start of the call, and then he claims that I live more than an hour away from my actual town. I sent those folks a letter in the mail explaining what this guy told me so that they are now aware of third party disclosure....maybe they will sue the company too.
Am I the only one seeing the small fry guys trying to bark like a big dog?? These two sure suck at it....imagine getting hauled into court to pay more than a thousand bucks over a debt thats less than $20.....how retarded can someone be????
I am just curious Jon, when you sue these CA's, and you receive
I am just curious Jon, when you sue these CA's, and you receive a judgment against them, how long does it usually take before you actually have a check in hand, and what if they won't pay you, what's the next step?
Many CA's will try to settle with you--even if they have to pay,
Many CA's will try to settle with you--even if they have to pay, its still better than having a judgment on record against them. But each one is different....these two are small potatoes, so I am not sure how they will respond. Watch here for some updates....if they lose in court and do not pay, then it is up to you to enforce the judgment, as the court will not do it for you. But you then would have to start thinking like a debt collector...I know, pretty scary thought. At least if I have to go that route, I will take comfort in the knowledge that what I am doing is legal, unlike these clowns.
Quote:Originally Posted by skydivr7673Many CA's will try to sett
Quote:
Originally Posted by skydivr7673 Many CA's will try to settle with you--even if they have to pay, its still better than having a judgment on record against them. But each one is different....these two are small potatoes, so I am not sure how they will respond. Watch here for some updates....if they lose in court and do not pay, then it is up to you to enforce the judgment, as the court will not do it for you. But you then would have to start thinking like a debt collector...I know, pretty scary thought. At least if I have to go that route, I will take comfort in the knowledge that what I am doing is legal, unlike these clowns. |
I will definitely keep an eye on this thread Jon, can't wait to hear the outcome, make em pay!!
Greetings, A customer got a default judgement against a big ho
Greetings,
A customer got a default judgement against a big home improvement store in texas.
It was the result of shoddy work on an installed product.
They decided to ignore him.
Bad mistake.
Took the DJ to a constable as I recall and the constable hauled off 4 or 5 brand new riding mowers.
The big box store got negative press and coughed up the $ for the fix.
So do you get a DJ and then seize assets?
Blue Ones,
King "Kash" Jabba Labba
well, apparently one of these small-fry CA's thinks that if you
well, apparently one of these small-fry CA's thinks that if you stop the offensive behavior, it magically disappears like it never happened...here is the first CA's response to me, from the letter that arrived in my mailbox today...
"Dear Sir,
I am in receipt of your letter dated ____. Due to the size of the above listed account and the cost involved, we are removing the account from our collection files and discontinuing any collection efforts."
Do these geniuses REALLY think that by stopping collection that this magically never happened or something? These morons treated me like crap repeatedly over SEVENTEEN DOLLARS....thats right folks....they refused to validate the debt, continued to try to collect on it, at one point they claimed that I never disputed it, and one of their collectors actually identified herself on the phone as "This is Kim calling from the credit bureau....." ALL OF THIS OVER SEVENTEEN BUCKS??? What in the world is the matter with debt collectors??
Apparently they dont seem to take me very seriously. I guess I will include a tape of some of the recorded phone conversations with my follow up letter. This letter will basically tell them that stopping an illegal action does not mean that they werent acting illegally at all, and that there is a price to pay for this kind of complete stupidity.
Quote:Originally Posted by King Jabba LabbaGreetings, A custom
Quote:
Originally Posted by King Jabba Labba Greetings, A customer got a default judgement against a big home improvement store in texas. It was the result of shoddy work on an installed product. They decided to ignore him. Bad mistake. Took the DJ to a constable as I recall and the constable hauled off 4 or 5 brand new riding mowers. The big box store got negative press and coughed up the $ for the fix. So do you get a DJ and then seize assets? Blue Ones, King "Kash" Jabba Labba |
Utter nonsense....post judgement enforcement in Texas is a joke.....why make up BS like this?
