Bergen-Boesch threatened to arrest me if I don't pay them

Hi! It is true that a collection agency is bounded by the fdcpa laws. It is your consumer right to ask the company for a debt validation of your accounts. You need to get the accurate account details for which they are calling you. Read this page for more details on the debt validation clause:

http://www.debtconsolidationcare.com/validation.html

After the company has proven its legitimate purpose, then only make a payment agreement with them. It is better to send your letters through certified mail with return receipt requested. Keep copies documented in a file for records. After your debt validation letter is received by the collector, they must not call you before you have received the details. If they fail to validate the debt within the 30 days period, you can explain their failure to the bureau. They will conduct an investigation with the company. If your credit report has been hit by the company, the remark will be removed and you will maintain your credit worthiness.

Regards
Roxette

I've never heard of that agency, and the name sounds similar to that of a Nazi concentration camp from the World War 2 years. The collectors are certainly behaving like Nazis to boot!
My friend, I used to collect payday loans, I've seen some that have been in default for over a year and I have talked to the perspective debtors at their home. Nobody goes to jail over a few hundred bucks, that's ludicrous. Don't listen to them, you don't even have to talk to them, and if you go directly to the place you borrowed the money from, they will accept your payment. Don't send anything to the collection agencies who violate your civil rights. How can you possibly trust them? Keep your bank account and credit card numbers to yourself. Do not accept their phone calls. When third party collection agencies do the dirty work for the payday loan company, the loan compnay gives the collector a percentage of the collected debt as gratuity. That's why third party collectors can be such jerks. They are over-eager to either buy ego-boosting toys. Hypocrites and charlatans.

Thanks guys! I feel so much better.

This forum is absolutely wonderful

you're welcome it's great to have you here. Why don't you go ahead and register. Dive in, the water's great!

Keep a check on your credit report also. It might happen that this company will try to hit your file with a negative remark. If done, your scores will get lowered. You will have to begin the process of disputing with them. If you inform the credit bureaus in advance, they may not allow the company to hit your file without legal reasons. Being pro-active is the best way to handle such situations.

How do I inform the credit bureaus in advance?

Write a letter to the credit bureau at their mailing address and explain the problems that you fear having with the collection agency. Send your letter through certified mail with return receipt requested and keep copies documented in a file for records. Once the bureau receives your explanation, they will get aware of the situation and you will have made your point stronger if the CA tries to hit on your file negatively.

Thank you so much for the heads up. I really appreciate it.

They are supposed to be obeying the fdcpa laws, but they dont.

CollectCorp Fraudsters, I began my collections experience at CCA where they are fdcpa sticklers, and I believed for certain that all collection agencies were the same because it's federal law for crying out loud. I'm considerably bothered by the fact that very few collectors obey the FDCPA. I'll bet they can't even spell FDCPA.

Your local police have better things to do than be the "muscle" for some shady collection agency. Law enforcement NEVER wants to get involved in civil issues!
The only thing the police might do deliver a summons, provided the collection agency follows the correct proceedures.

Yeah really. With all the murderers, rapists, arsonists, mafia, bank robbers, and gangbangers out there that they have to arrest, I highly doubt payday borrower have made it onto the priority list.
When collectors say that they will have the sheriff issue a warrant, that's farcical. The guy will say he has bigger fish to fry, and he does!

Ari! Your forgot all the dopers and meth cooks! :lol:

I was thinking about you today, wondering how the new job was going and such! Hope it is better than you ever anticipated!

That too! And child molesters, wife beaters, vandals, and worst of all....jaywalkers! :lol:

You forgot the evil litter-ers!!! :lol:

That's right! And people who rip wind in elevators! That should call for life sentence!

Y'all, if you're being harassed by debt collectors, you need a lawyer. Go to naca.net, it's the web site for the National Association of Consumer Advoctes. There is an attorney search area by state on the site. I am a member and love to go after debt collectors who harass people. I just opened a case against Bergen-Boesch (and I recognize almost all the other debt collectors complained about on this site), and can't wait to dig into the case. Most attorneys don't require any $ up front to go after a debt collector because the Fair Debt Collection Practices Act, at sec. 1692k, provides that the debt collector will pay your fees. Good luck.

Link made inactive as per forum rules - Vikas

haasr where r u from and r u interested in pursing a class action on behalf of members of this site?

I am a lawyer in Connecticut. If you have any trouble with any debt collector, a credit reporting agency, or any other consumer issue, I highly recommend you find an attorney in your area. He/she will determine if you have a cause of action and if your case is appropriate for an individual suit or a class action. This post should not be perceived as a solicitation, or as legal advice, but you will be better served by an attorney than looking for advice in a chatroom, forum or blog. Good luck.

Link made inactive as per forum rules-Mike

I don't want to sue them. I just don't like being called and threatened. This woman said she was a lawyer and said she was working with a local attorney in my area and said the police would be delivering court papers to my house. And that she knew where I worked and they would come and serve papers to me there or possibly arrest me.

I am a Process Server here in Houston, TX. I was sent some process to serve the owner and an employee of BERGEN-BOESCH. I found out their address is a private mail box, but I proformed a skip-trace and was able to find the owners home address and was lucky enough to obtain a photograph of her prior to serving her and when I knocked on her front....I GOT her served. If any of you decide to file suit, contact me and I will serve it for you.

[color=darkred][size=2]email address and phone number removed per forum rules. Tammy[/color][/size]

Sorry

Jaywalkers? lol that should be a capital offense. j/k

I am so sick of CAs threatening to call the cops on people! What a load of doodoo. Anyone who has three-way calling should ask the CA to hold, then call the police and three way it all together, get back on with the CA with the cops listening and say, "Ok..I'm back and I brought the local police station with me...you were saying about having me arrested?"

:shock: :shock: That would be classic Golden! :lol: