gerald e. moore/validation of account

Wow! I am waiting for a validation from them as well. I guess this is what I can look forward to. If I get something like this, I am writing right back and telling them this is not a valid debt until they can prove so. Maybe you will want to consider doing this and send a copy of your original validation letter highlighted with the details you need and have requested. I am interested in hearing from our forum members on this. I know Mr, Moore is not licensed in my state to collect. I have documentation of that

mbell, I sent you a PM with some info on this guy. It will make you feel more calm about this. Yes, they play unfair but you can do something about it.

Ive been posting about these people on and off. I am now waiting for their next move. In the beginning- started about February of this year- I was so scared and lost so much sleep because of them! I decided to do some searching via the internet one sleepless night and found so much stuff with which to arm myself against them! I am now standing up to them. One web site besides this one that has helped is BudHibbs.com. He is so helpful! He has so much on all sorts of CA's. Including Gerald and his goons. One thing that Bud told me- and I do mean Bud himslef as he called me! He told me to tell them to provide the orginal contract with my actual signature on it. Well I know they cant provide that because in my case it was an oral agreement. Oral agreements here in the state of KY have an SOL of 5 years. Well 5 years have come and gone and I informed them of this, demanded the proof, demanded the original contract, demanded them to explain their reasoning of their sum of over 3200.00 I owed on a debt that was 718.00. I also sent them a cease comm letter and a cease and desisst letter as well. In the mean time they went ahead with their threat of filing an arbitration litigation. I researched some more- found out that if they cant prove that I am even privy to an arbitration they cant file for one. So I told them this as well in another letter- all letters need to be sent certified and with return reciept- this is for your protection. Well after a barrage of letters from me- with no let up, plus printed out copies of documented abuse by them from budhibbs.com and the threat of me using the law to protect my rights and my family- lo and behold they have filed for an "indefinite stay" with the arbitration forum. That basically means they are shelving the whole thing. Not admitting they were wrong and breaking several laws while doing it as they have no jurisdiction here, but good enough for me. I also then wrote another letter to the arbitraion forum that since they were not able to produce the original contract with my signiture(proof of the debt) I was requesting a dismissal- basically telling them they could not legally collect on this debt and it should be thrown out by law. One more thing I added in my letters was that I told Gerald that I was going straight to the Georgia Bar to file complaints about him and his staff using illegal methods of trying to collect on this debt. They do expect that you will be so scared of their threats that you'll just lay down and comply with everything that they demand. DONT DO THIS. You can fight them. DO NOT no matter what give them any $, or your checking/bank account info. They will steal you blind. I have seen documents(hundreds) of this happening to other people who thought they had to do whatever they demanded. I have so much info I cant put it all in this reply- if you want more let me know and I will send you more through email.I am so happy I stumbled upon this website before I did something drastic- and stupid like give them my personal info. Budhibbs.com was also a God send! GOOD LUCK!

Jill35

Jill35, that was awesome feedback. I am glad you knew just how to handle this guy and his goonies. I have an attorney all lined up for just this occassion and Mr Moore will know this attorney quite well from past experiences with him. In the meantime, I suggest restraining from any phone calls from GEM. If you happen to pick up the phone, and it is
them, tell them you intend on recording this phone call.

Cert'd letter is the best way to fly with this one. All correspondence should be by mail and most important, do not acknowledge any debt with them until they validate your debt with everything necessary, in writing and make sure to check your sol. He is not licensed in my state either. I have everything on standby to see just how miserable this guy is gonna try to make my life. First I tell my attorney to proceed, then I request that his collection inquiries get removed from my credit report. Stay strong and know your rights.

Boooooo hissssssss to low down GEM collection tactics!

Just for kicks , at my attorney's website, they have actual collection calls from GEM and the low down tactics they use on everyday people. If you want the website, PM me.

It's pretty funny when you read the calls from this office. Don't let them use these tactics on you! They prey on people who don't know their rights

I noticed that the letter they sent me had a date of June 6, but just received it today the 28th. Think they held it that long on purpose??

In my request for validation I told them I had 30 days after their response to dispute what they sent me, so doesn't this mean they cant harass me for another 30 days?? IN their letter they said collection activity will now continue on this account.

Noticed they call their goons, arbitration agents, what kind of crap is that??? they aint arbitrating nothing

KittieKat-

Since I sent them the letters, they havent called me! I got one call back in May so I guess Im lucky. I havent heard anything from them at all. I put the ball back in their court with my last letter and so I will just wait to see what their next move is. My SOL was up- back in 05, and I told them that and let them know I KNOW this, I think this was what stopped them in their tracks, but I will see. They are so rotten, this guy I talked with (Mr Marks) was saying things like- wage garnishments, freezing my assets, taking away my house and freezing my checking account and going to jail and on and on! All for a lousy 718.00!

Im so glad you got a lawyer- I cant afford one right now, but the stuff Ive learned has helped alot. I hope your lawyer gives them hell! Budhibbs.com and ripoffreport.com has so much on these guys- I cant even believe they still operate.

mbell- The validation letter- what was it? Was it the original contract with your origianl signature? Thats what is considered validation of the debt, not some generalized print-out thats basically generic, like a manuel of whatever companies policies. Thats stuff anybody can get from any co. website. If by the Grace of God your agreement was Oral, there is no way they can produce the original contract with your sig bcuz it does not exist. Even if you signed something- it no longer exists bcuz if your loan/credit card or what ever it is was a charge/write off by the original creditor then your agreement doesnt exist anymore. What ever they sent you sounds like another tactic to try to convince you to pay. Find out what your SOL is, and if its passed, then right them a letter- telling them the SOL is up, they cant collect on an unenforcable/uncollectible debt, infact they are breaking the law by trying to do so in the first place. Tell them you do not deal with CA's, by law they are required to follow the law and never to contact you again and they must cease collections. Certify and return reciept the letter ofcourse. Also- tell them you will use the law against them to protect yourself from their illegal attempts. One thing I did was I printed out documents off the website of budhibbs and ripoffreport that were horrendous complaints about GEM and I sent them with my letter- basically showing them I was on to them, I now knew what they were about and go ahead and try to collect and see what happens. Thats when the tide turned and they decided they no longer wanted to pursue an arbitration. I hope this helps, good luck!

Jill35

How do you go about finding out what your SOL is and what states this guy is able to practice in?

Heaven, as per the state laws, every state has its own statutes within which the debt can be legally collected. If the debt goes out of the SOL period, no company can collect it in legal terms. You can refuse to pay it unless you make a payment and re-enforce the SOL period. You need to check with your attorney general office for information about the statutes in your state and the company licensed to do business.

Thank you, anthony. That's a phone call I'm going to make in the morning. Would be interesting to know if he can do business here.

I am hoping you can help me. I was contacted by GEM yesterday. I was unaware that they dont have jurisdiction in New Jersey (i live in NJ). I think this info with help in my fight against these jerks. Can you email me some info or documentation about GEM not having jurisdiction in NJ?

Check out the other thread you previously created. A reply has been posted in it.

keep in mind that there are a few attorney's that want information on GEM. They are watching his moves and would like to review letters etc if you feel you are being harrassed or he is practicing unfair colletion tactics. Keep track of all phone calls and letters. Also, if you requested validation and did not receive it, And they are still calling with demands, you can claim that debt as not owed until they provide the information you have requested.

I just read Jill's entire post and know this, those threats that were posted, going to jail etc, right there is a prime reason to take legal action on GEM. This in unfair collection practice and you don't need to put up with it. Document everything and if you can, records the calls.

I also live in Kentucky and would like to find out the exact steps, i.e. letters you wrote to get these guys off your back. I have a certified letter waiting for me from Marrietta, GA at the post office, but I do not know whether or not to pick it up???? Should I pick this up? What should I do next?

Go ahead and pick up the letter from the post office. You need to know the purpose of this letter sent to you. If you find the information disputed, verify it with the company before you make any payment. If this letter is from Gerald E Moore, it must validate the debt for which they are collecting.

OK- I did not post the most recent reply- I think somebody used my name??

Anywho- it doesnt matter- I just got the official "I give up" letter from GEMA! I cant believe it. I also got a letter from the NAF stating they have dismissed the whole thing and they can never try to do this to me again. I just want you(if your having trouble w/ GEMA) to know- hang in there- keep fighting it will work out! I didnt think they'd quit but I kept giving it to them as good as they gave. I must've sent... about 5 or 6 letters to them, all demanding crazy stuff but all legal and I think they realized they knew they werent going to get anywhere with me. If anyone would like copies of the letters I used to scare them away- I can forward them to you. I cant just not help anyone else, this site has been great and I want to pay it forward I guess.

To the other jill35- go get the letter and let us know what it says. I can help you if you want!

Jill35

I was attempting to direct the question to you, but accidently use dyour name. I am going to ask for validation, but my sol is not up ontil 2008. Any suggestions - what did you use?

RE: I WON! Congrats!!! I would love you see what you sent them, maybe it will help me too! I am going to pick up the letter today. email me:

email address removed as per forum rules - Mike

Thanks :)

Hi- I dont think I can get your email- I think they removed it. I dont know how else to get the letters to you except, perhaps put them in here, but I dont know how to do that. I will try to figure it out. I actually used , about 3 that I found online and printed out and 2 or 3 were of my own writing. I am not a lawyer but I happen to be really good at composing letters that are articulate and Bud Hibbs(he's an expert at this stuff) told me that that was probably what scared them away because the letters sounded like I had a lawyer draw them up. I can let you use those as well, I'll remove my info. Just add your own, but first I have to figure out how to do this!

Jill35

Jill35,
I really need to know how to fight Gerrald E. Moore. They filed with the National Arbitration Forum a month ago. I sent GEMA a demand for validation and they responded. I need to know what to send them next. Bud Hibbs is not very clear as to what letter to send GEMA and the NAF. Could you please e-mail me?

Thanks
email address removed as per forum rules - Mike

I was just contacted by GEM and sent them a cease communications letter.
What do I do know? Do I send a letter asking them to validate the claim or just wait?

If anyone received their validation from this company I would be interested in how they sent it to you. Did they send it to you in regular first class mail...did they send it to you certified, or by special carrier?

I will hardly hear a collection agency sending the info through certified mail or by special carrier. If they are sending any info, they will use the address that is already in their system. In a certain way, you will have to ensure picking up the letter from your mailbox. If they claim the letter has already been sent and you have not received it, one must verify the address in their system. You will know whether they are lying about sending the letter.

To garyD-if you have not sent a debt validation letter,I would do so immediately see samples at http://www.debtconsolidationcare.com/letters/ Hope this helps...KAren

I am glad i found information on gem on the internet. They left a card at my sisters house for me. When i saw that the number was 18004661505 with an ext#i knew that it had to be a collection agency. They think that they are above the law. I have never heard of such tactics.

while hard to believe they would go to such measure, the tactic you speak of above is not necessarily against the law. As long as the envelope the card was in did no clearly identify it was from a debt collector. If the envelope was addressed to you, then made a reasonable assumption that only you would open it, and there by they were again compliant in not knowingly discussing your account with third parties. BY placing the card at your sisters, they simply contacted a third party to obtain information on your where abouts. These tactics, while surprising, and extraordinarily time and labor intensive are legal if carried out as outlined under the fdcpa.

I am sorry to admit I FELL for the crap these jerks told me! I am a single woman, in the process of trying to buy a house, when out of the blue I receive MULTIPLE phone calls from someone named "Miss Parks" stating that unless I pay the entire sum of the debt $1044 THAT day, I would have a law suit against me and the sheriff's office would show up at my home and arrest me. After I stated that I did not have that much $$ on THAT day, she agreed to a "close out" payment of $844, and I could fedex two checks to them. Stupidly I did this. However, I did not send the agreed upon amount, and received MORE harassing phone calls. I then agreed to Moneygram $$ to them and cancel one of the checks. I am embarassed by just how stupid I was!!! However, to date they have yet to cash the other check AND since I sent a very nasty letter (certified) to the attorney directly and have not heard a word from them. I DEMANDED in my letter a Letter from Mr. Moore stating that I have fulfilled my agreement with their company and Household Bank, again, I've heard nothing! Please please please do NOT make the same mistake I did!! I should have known better and should have done more investigation into the whole matter. I have an attorney lined up should I need to take the next step, and have in fact, considered suing Gerald Moore for harassment, unethical practices, defamation of character and anything else my attorney feels acceptable! Good luck to everyone else who has to deal with these monsters!

i have 4000 dollars in dept that am trying to pay off on my credit card cause i took a cash advance on it and i didnt know that no matter what the amount you take they will higher the hole amount you have to 32%interest and make me pay on top of it 45 dollars/month a cash advance fee so i talked to fidelity reserve i make payments of 250 dollars a month they told me not to answer any phone calls off people you dont know the number so i ve been harassed but its not the problem i just recived a call from the same number 18004661505 telling me its an state law office attorney and that i need to callem back so before i call i thaught i ll tchek the number and see who they are so i found this article and i wanted to know if ishould callem back or just ignore em?
thank you !!!

I keep getting phone calls from a man named Brian Kauffman from this number,however, this number does not appear on my caller id,the number that appears is 972-546-1557.when i did a search for this number it does not come back as a business of any sort.it comes back as a person in Dallas,Tx.I live in Ohio.I know no one in Dallas,Tx.I see above that people have had debts from Household bank that are represented with this number but I have not had an account with them.They have started calling my disposable cell phone (that has just been reactivated after 2 months) and asking for me under my maiden name.I'm trying to figure out who this is because that's the only caller on that phone.The rest of the bill collectors have resorted to calling the house phone,and ask for me somewhat properly (i have an odd last name).so i'm not sure what to do.if anyone can help me I would appreciate it.

Have you pulled your credit reports to see if anything derogatory is reporting or someone hs pulled an Inquiry?

www.annualcreditreport.com