Has anyone hired Bud Hibbs? Any complaints?
Date: Thu, 07/13/2006 - 11:08
Bud Hibbs website
Bud Hibbs is not run by an individual body. It is a good website informing about the illegal debt collectors in the US. Many people having problems against some agencies put their complaints at their site and their team puts the complaints online.
Budd Hibbs website also has similar goals. The main idea is to spread the news that can be used by all. There are so many lenders charging disputed amount and putting illegal collections. A composite picture is put in this page for informing the people. Did you read this one?
http://www.debtconsolidationcare.com/handle-collectors.html
Bud Hibbs - an individual
I think Bud Hibbs is an individual. His website says -Bud Hibbs is a nationally recognized expert in the area of consumer credit and debt collection practices. Budd Hibbs is NOT an attorney, but his twenty plus years as an advocate associated with consumer law and advocacy professionals from around the nation has earned him the title of ???America's Consumer Credit Expert-
Debtconsolidationcare and Bud Hibbs website are both a very good source of information!
e is a nationally recognized
Bud Hibbs book
Download book of Budd Hibbs. It has alot of interesting information regarding collection agencies and other interesting topics.
Budd Hibbs helped me a lot
Bud Hibbs is awsome, he and this website have been a God send! I had filled out a form on his website that basically would help him decide if I was eligible to get help from him, then for the heck of it- I called his 800 # and left a brief message about the trouble I was having with Gerald Moore and his goons. About three hours later- my phone rang and it was Bud Hibbs calling me back! I was so shocked, he took 20 minutes out of his day and he gave me great advice. I still cant believe it, Budd Hibbs said for me to let him know how it works out and if he can do anything else. He also recommends going to the NACA (I think thats the correct name), he says they could help me if I needed it. His website is so helpful, I learned so much from them and this website as well. I think they go hand in hand. I tell everyone who is having CA trouble to visit these two sites. His book is great also- a free download! Imagine that!
Budd Hibbs awesome
Bud Hibbs rocks! His website is great and yes, he will call you if you e-mail him with your questions. I was having a sleepless night and ended up e-mailing him in the wee hours. By noon the next day I was talking to him on the phone. I've been dealing with him and so far, so good.
My advice is to contact Budd Hibbs and see what he has to say concerning your situation. It can't hurt.
Hi Macgucci! you're right, Budd Hibbs does rock and if you email
Hi Macgucci! you're right, Budd Hibbs does rock and if you email him, he gets right back to you!! I had a complaint about a collection agency I have been dealing with and I wrote to him---told him that I couldn't believe others haven't complained to him about this particular agency, that it couldn't just_be_me...he wrote right back. He is an indivisual. =) shirley
Bud Hibbs is a Con-Artist
I know people that have contacted Budd Hibbs regarding payment on past due bills. He uses the laws to avoid paying his obligations. Anyone that uses these tactics are more of a scum bag than the collectors that you claim "harass" you.
Think about it. If you were the type of person that would repay with kind letters and the occasional phone call you wouldnt get calls from a collection agency. You would have paid the original creditor. IF YOU FIT THIS DESCRIPTION, YOU ARE A WHAT COLLECTORS CALL A DEADBEAT. YOU CANT BE TRUSTED WITH LOANED MONEY. YOUR PARENTS WOULD BE PROUD!!!!!!!!
Elaborate: Budd Hibbs is a bad role model
Bill C. Lector, there are no deadbeats here, just everyday people who hit a bump in the financial road. About what you said about Bud Hibbs, is that to suggest that he is a poor role model for his clients? Please elaborate.
Budd Hibbs exposes the collection agencies for what they really
Budd Hibbs exposes the collection agencies for what they really are. Encore Receivable Management made the agency watch list. He hits on the nail head when it comes to the truth on the crooked collection agencies.
Bud Hibbs about
Ari, this is what he is talking about.
Quote:
Far too many people have the wrong idea about consumer debt. It's okay to have and use credit cards as long as you don't allow them to get out of hand and control you, but what choices do you have when that happens to you? When you owe money, there are really only four options available: Pay Your Debt credit counseling Bankruptcy Protection (Now more difficult than ever) Stop Paying and Walk Away -------------------------------------------------------------------------------- 1. PAY YOUR DEBTS: The obvious scenario is to pay your debts off in accordance with the terms and conditions of your credit card agreement (and all subsequent addendums to it.) This will eliminate any fear of having a bad credit report or the hassles of dealing with the collection process. If your credit cards are maxed out and you are barely making minimum payments, look to moving the highest rates down to lower card rates while continuing to make larger than normal monthly payments. If you are having financial problems, stop using credit cards, tighten your belt, set up a strict budget and follow it. Think of this as a program like losing weight, stopping smoking or quitting some other dreaded habit. You need to implement a plan that will change your financial course. 2. ENROLL IN A CREDIT COUNSELING PROGRAM: Consumer Credit Counseling Service (CCCS) has had a reputation that for many years it misrepresented itself to consumers in the way that it conducted business. Only because of successful class action lawsuits has their monopoly on this market been broken. My complaint about all credit counseling is that they get paid a commission, (averaging 10-12%, paid by the creditors), yet try to confuse the consumer with misleading words and phrasing such as "non-profit." Don't be fooled! This is a billion-dollar industry which at one time was sold as franchises like McDonalds and Colonel Sanders. Credit counseling is much the same as a Chapter 13 Wage Earner Bankruptcy plan in which debtors enter a long-term program to repay their debts. This can last as long as five years, while seriously hampering your credit recovery. If you follow CCCS's program, the original creditor is allowed, under federal law, to report the debts for an additional seven years after you've made your last payment, thereby adding to the time it is allowed to stay on your credit reports. Another big problem is the contract they require clients to sign. You literally sign your rights away and give up any future rights to litigation, no matter what they do to you as a client. Finally, far too many of the credit counselors have demonstrated that they are too ill trained to be dealing with the complex issues of debt and collections. I have heard numerous stories from consumers across the nation that credit counselors gave improper advice which negatively impacted their lives, including advising consumers file for bankruptcy protection. 3. BANKRUPTCY PROTECTION: The final decision! Bankruptcy Courts are reporting that in spite of the boom in the economy, consumers are flocking to bankruptcy court for protection from creditors. Is it any wonder that Congress is contemplating changing the laws to make it a lot tougher for consumers to dump their credit card debt? A myth I hear a lot is how a bankruptcy affords you the 'fresh start' and that lenders will approve you for loans because they know you can't file bankruptcy again. It's NOT true! Today your credit report contains a point score. A high score is what creditors look for as a basis for approving credit applications. When you have charge-off's, profit & losses (P&L's), judgments, tax liens and other credit problems such as a past bankruptcy filing, your credit score is significantly reduced to the point where you no longer qualify for credit approval. Nothing is free and nothing worthwhile is easy. Use common sense, trust your instincts and surf the net to find answers to your financial questions and problems. Old Wives' Tale: Everybody knows the myth of the bankrupted consumer who walked straight out of court and purchased a new car, a new home and instantly received new credit cards. In my two decades as a credit expert, I have NEVER encountered these circumstances. Trust me, it doesn't happen! The price for bankruptcy includes a bad credit report for 10 years, the possibility that companies will legally refuse to hire you and you can legally be denied some insurance as well as a security clearance and licensing. Bankruptcy is a stigma for life! The public records containing all of the personal information on your bankruptcy are kept in storage and are available for 20 years after the bankruptcy has been discharged or dismissed. In my opinion, bankruptcy should only be used as a last resort when all other options have failed. Want to learn more? Visit this site: American Bankruptcy Institute. 4. STOP PAYING & WALK AWAY: This choice is the preferred one by most consumers because it affords anonymity without the stigma, the embarrassment and humiliation of credit counseling or bankruptcy court. However, this is where most consumers endure the tremendous hostility of the collection system. When an account is partially due, the in-house collector, who works for the original creditor, will contact you for the purpose of getting a payment. The collector has a computer screen with all of the information furnished by you, such as home phone, employer, work phone, etc. The computer program used to make these calls automatically alerts the collector if there is no contact and redials until contact is made. The auto-dialers cause many complaints about the numerous calls consumers receive. A creditor will not offer you an interest rate reduction or hardship program of lower payments until after you are behind for several months. The debtors, of course, reason that if this type of program were offered at the first sign of problems, then everyone who owes them money would be applying for hardship programs. THE LAW IS UNFAIR: Federal law, The Fair Credit Reporting Act, requires that the original creditor must 'Charge-Off' which means, it must act as if your account is non-collectable no later than 180 days from the date of your last payment. This information is then forwarded to the three credit bureaus for insertion into your file. Once there, derogatory entries are allowed to remain for up to seven years from the date of first placement, provided there are no further payments. (If you resume payments, the seven-year clock starts over.) At the point of 'Charge-Off' the account is usually turned over to an outside collection agency and/or law firm that collects debts. The agency/attorney collectors are paid commissions ranging from 15-25% of what they collect. When the agencies get your account, they will sometimes contact you immediately and start making demands for payment and, depending on the varied intelligence level or training of the collector (??), make varied threats, innuendoes, or attempt to intimidate debtors into sending them money. I have never heard of an attorney directly making collection calls, so beware, if you are contacted by anyone claiming to be an attorney. It's illegal under the Fair Debt Collection Practices Act (FDCPA) for anyone to misrepresent himself or herself in the collection of a debt. However, working as a debt collector has never required much intelligence or social skills, so don't be surprised with the level of low life's the industry produces. COLLECTION AGENCY CONS: Should you decide to go "underground", quit answering the phone, get an unlisted number, refuse to return calls, screen your calls or in any way avoid the collector, collectors will use other means at their disposal to contact you. Typical collection methods include contacting you where you work, (which is legal unless you properly notify them to stop), contacting your family and neighbors with some type of phony communication such as, there is an "emergency message." My favorite is the Mail-Gram notification ploy, which is a bright yellow letter, mailed by desperate agencies such as The Credit Store, Sioux Falls, SD. The mailer includes instructions for you to call their special 800#, inputting the special pin number contained in the notice which causes a recorded greeting such as "be sure and drive careful out there this week- end." You can put in any number you like because the call is only a con by agencies to capture your telephone number in their computers. The captured numbers are used by collectors to call you back. Whenever you call a number that starts with 800, 888, 877, 866, 855, the party at the other end can legally capture the number you are calling from. Another trick used by desperate collectors is to contact your place of employment and speak to your boss or the human resources department, asking to confirm employment. This method of harassment is used to help an agency begin the (illegal) threat of wage garnishment. Why do collectors lie and engage in this deception? ...$$ MONEY $$ ------------------------------------------------------------- |
BUDD HIBBS
I downloaded and read budd hibbs book....He does not tell you to NOT pay your bills. He gives lots of insight and helpful information........If you owe a collection agency, pay them. I don't owe a collection agency so I WILL not pay the. However, if I owe a creditor, of course I will pay them. Budd Hibbs never said don't pay your bills. Someone is either stupid or can't read or comprehend. Besides his advice is like the advice that any one may give you BUT you have to use your own mind and decide what to do........So enough blaming Budd Hibbs, besides, he gives good advice to people that are falsely accused and to people that have been scammed......Obviously the people that are against him are those scamming collections agencies that like to harrass and yell and people even if your innocent.
So you dummies, keep ignoring some of the advice that Budd Hibbs gives and sit back and let the scammers laugh at you all the way to the bank. Besides Budd is not holding a gun to anyones head and making you take advice, he is just giving it freely.
No wonder the world is in the shape that its in. Our entire country has set back and let Bush and the republicans take our country down....Over there killing and getting killed for WHAT? The Middle East will not change, we are just wasting lives and money over there meddling in other countries business. I said that to make an example of HOW SOME people are so stupid.........I'd vote for a crackhead before I voted for a slimy, rich getting richer republican.
AMERICA NEEDS TO WAKE UP!
Thanks to Budd Hibbs and his advice. Don't let the scammers and hungry money grubbing republicans hold you back. God bless You and God Bless America!
Your kidding
Good ole U.S.A. where not paying your debt is an art form. If we all payed our debt like we should there wouldnt be collection co and Bud would have to get a real job.
Why is it that no matter what web site you go on someone ALWAYS
Why is it that no matter what web site you go on someone ALWAYS brings politics up? Katy, if you could have just limited your post to the topic of Bud Hibbs and not thrown you political ramble into it, your post was actually quite good. Name calling is not necessary either.
Bud Hibbs
Richard J Hibschweiler is at least 2 people. His past forced him to change his name to Richard (Bud) Hibbs. There is ample evidence to show that Mr. Hibbs charges for his services in spite of his claims to the contrary, $500.00 per credit card. Why he would choose to deny this is not clear except to protect him self from unauthorized practice of law. A recent law suit in Buffalo New York named him as a defendant for calling a collection agency owner on a recorder and claimed the he was going to get him and his family. The police were advised. Bud Hibbs own website is documented in another case that he is asking his readers to report back to him what car his enemies drive, what grocery store they go to, their church and friends. Do you suppose Bud was going to attend services with them, pick up a late snack?
In the evidence of his payola you will not find that there has to be abuse present for him take on a client. He will go after the credit card company or the collection agency even where no fdcpa violations have been alleged. Simply put if you want to get out of a debt, he will teach you contrary to his claims otherwise.
It has been rumored that he got into the ???????consumer advocate??????? business when god answered his prayers that wife be cure of cancer. When this occurred he had an epiphany when the bill collectors for the medical providers called asking for their money.
His posting of personal information easily obtained through public record is a fear tactic. He also posts the names of companies on a watch list specifically maligning them by alleging they are criminals where no such evidence exists. Lanham Act suits are part of the public record.
You will see posts by those that claim to be his clients and that that they have been sued after taking his advice. He does not address the possibility that he is wrong rather he attacks those that disagree with him. Unfortunately his Bankruptcy Alternative Program isn????????t received well even by family members as is suggested by Federal court records.
I have read Bud Hibb's info on certain debt collectors, includin
I have read Bud Hibb's info on certain debt collectors, including those in Texas and I agree with what he says based on my own experience with recordings my clients provide.
He has referred cases to me where I do not charge up front, and as far as I know, he did not charge them to refer them to me.
In my opinion he knows alot about he collection industry and he is not afraid to share with others if it will help them.
kind letters???
Bill Lector wrote: Think about it. If you were the type of person that would repay with kind letters and the occasional phone call you wouldnt get calls from a collection agency. You would have paid the original creditor. IF YOU FIT THIS DESCRIPTION, YOU ARE A WHAT COLLECTORS CALL A DEADBEAT. YOU CANT BE TRUSTED WITH LOANED MONEY. YOUR PARENTS WOULD BE PROUD!!!!!!!!
____________________________________
That message is a perfect example of how calls with the scummy collectors goes. At first they are calm and then they break into name calling. I AM the kind of person who tried being reasonable and nice. That only eggs them on -- they realize you want to be nice and they know where to attack. I was unemployed and got behind in my bills, and tried hard to start repaying. It is hard to do when they raise your interest and penalties so hard that you can no longer make any headway in repayment! When I told one bill collector I was making double the minimum payments and still not getting ahead, but that I intended to pay the bill in full, he screeched: "I expect you think that being moral makes you superior. Let me tell you, you are a deadbeat, a loser, and if you don't give me your checking account number today I will make sure this debt is doubled and you will be in court next month and your wages will be garnisheed." (The latter should be in caps as he was yelling.) So much for trying to be nice!
Molly,his remark is a perfect example of why I help out on this
Molly,his remark is a perfect example of why I help out on this site and Texaslawyer fries them court. Until these company learn to play by the established laws for regulating their behavior,I will do what I can to help and slamdunk any collector I can. This is to the 1% of collectors who do follow the rules.I respect you and hope you can teach these new style collectors the facts of life about collecting.
The problem is that corporate America is embracing the collectio
The problem is that corporate America is embracing the collection agency. Having done my time in a large corporation, I know the bottom line is the only measurement that matters to them. The result: The cost of getting caught is a cost of doing business.
Oh well, they keep breaking the law, I keep getting paid, and I keep helping you get out of debt with their money!
Yes, The CAs, especially the large ones, no doubt have fines and
Yes, The CAs, especially the large ones, no doubt have fines and litigation (in which they lose) factored into their corporate budget, and think of it of just a cost of doing business.
I received a check recently. The accounting category was Other
I received a check recently. The accounting category was Other Expenses/Fines. It is so pervasive they have it in their accounting categories. Go figure.
Quote:The problem is that corporate America is embracing the col
Quote:
The problem is that corporate America is embracing the collection agency. Having done my time in a large corporation, I know the bottom line is the only measurement that matters to them. The result: The cost of getting caught is a cost of doing business. |
And this is exactly how these sleazy collectors are kept in business.
Thank you for enlightening us!
A local attorney told me about his site, so it must be good.
A local attorney told me about his site, so it must be good.
Bud Hibbs is a loser. He is hurting the economy and raising intr
Bud Hibbs is a loser. He is hurting the economy and raising intrest rates. Think everytime someone doesnt pay thier bill it is a lost for the bank which will lead to an increase in rates for those who pay thier bills.
Bob,I call bull on your statement.It is exactly what a collector
Bob,I call bull on your statement.It is exactly what a collector would say to get money out of people.Credit is a business with risks just like any other.I don't pay high interest because of someone else& neither does anyone else.
Ya you're credit score is the determining factor of if you pay a
Ya you're credit score is the determining factor of if you pay a high interest rate or a low. Damn collectors always get through!
My low credit score is 790 bud,so I have no collectors looking f
My low credit score is 790 bud,so I have no collectors looking for me. I have prime credit with long term history and long term payment history.
Budd Hibbs called me personally and told me exactly what to say
Budd Hibbs called me personally and told me exactly what to say to Rannefeld & Associates regarding an account they say I owe to CACH, LLC. He told me to contact them again to request validation for the third time and if they can't supply it, then don't pay it because it's probably a scam and they really don't own the debt. Do not pay anything that any collector tells you that you owe unless they can validate your debt. I know I am not, until they can provide me with documentation I am not paying. If they do sue me I will see them in court. They violated the cease and desist order that I sent them and according to him they know owe me $1,000.00 and $1,000.00 more each time they contact me.
ladybug
I see that Bass and Associates employees are coming out of the w
I see that Bass and Associates employees are coming out of the woodwork. It must be the impending liquidation by the Attorney General. They come here now, since they have so much free time.
BUD HIBBS
This guy charges people money to download form letters off the internet to try to help them get out of paying their bills and you people are singing his praises? Just another example of just how far this country has sunk. My granfather would be rolling over in his grave if he saw tsome of the stuff this guy pulls,I personally listened to a call wherein he told an 80 year old woman whos grandson was in iraq at the time fighting for our freedom, that he would help her get her poor poor grandson, whom he cares about so much, out of the 10 thousand dollars worth of credir card debt he had accrued for the low-low price of $1,000.00, if he really cared would he not do just this one case for free? Whatever, is there a CA that is not listed on his web-site? I dont much care for Phone reps at the cable company but i am not going to dedicate my life to painting them out to be anything more than what they are, That's my opinion, and if you dont like it go ahead a start a site dedicated to hating beacons, I'll be waiting patiently for it,just like I'll be waiting patiently for you to pay your bills.
Nah. If you were waiting patiently, you wouldn't be over here, f
Nah. If you were waiting patiently, you wouldn't be over here, farting through your keyboard. What's the matter, troll? Miss your quota at the collection agency? Piss off.
People can see what we do here if they read enough, we do encour
People can see what we do here if they read enough, we do encourage people to pay their bills (this is primarily a debt consolidation site) and we educate our fellow consumers to their rights. If people like what we do, great. If they need help, we'll help them. If you don't like what we do, oh well, not our problem. These trolls can come here as much as they want to moan and b**ch all they want but it doesn't matter.
There ya go troll, stick that in your pipe and smoke it.
HIBBS
Obviously you have mistaken me for someone who gives a $#*t what you think uncle "wolf" why dont you stop being so pissed at everyone already,what am I not entitled to my opinion on this board? Am I attacking you personally, or does it just feel that way to you? I am at a loss. And I dont have a "quota" I am not a traffic cop. I am simply tired of the picture being painted by folks like Mr. Hibbs of the industry in which I make a very lucrative living, in order to support my family and stimulate the econonomy of the country in which I live, if that bothers you I apologize. May God bless you with all the success in the world sir. :)
No, we haven't mistaken you at all. We know what you are. We jus
No, we haven't mistaken you at all. We know what you are. We just don't care. You're certainly entitled to your opinion, BTW. Take it with you on your way out.
And me, pissed? That's the funniest thing I've heard in some while. I just enjoy exposing shills, trolls, and other assorted losers for what they are. If I'm wrong, how come you're so defensive all of a sudden?
*sigh* I just love these 'pay your bills' trolls. Honestly, th
*sigh* I just love these 'pay your bills' trolls. Honestly, they love to just hash and rehash...please stop beating the poor dead horse...
We never advocate anyone not paying their bills, we advocate not being ripped off by unethical CAs. There are some good CAs out there, ones that follow the law and are not rude or belittling. They get paid. Wow...concept...
But who in their right mind would pay some shady individual who calls up demanding money you know you don't owe? Hmm? I am sorry, but it is only common sense to ask for validation, to make sure everything is on the level....when the CA starts screaming or refuses, then that answers it right there...if they were collecting legally, they would have no problem providing the validation requested.
reply
to the beacon,you make a great living harrasing people who are down on there luck.by the way,i suppose if i am going to pull 1500.00 out of my backside i should stand up huh?
what are some of yoy people talking about!?
Anybody defending these collection agencies obviously works for one of them. I don't believe anyone here is trying to avoid a debt or 'get away' with anything. The CAs are vultures that prey on the elderly, the young, and the ignorant. They call threatening immediate litigation (i.e. liens against property, autos, and wage garnishment) unless 'payment arrangement' met instantly via CC or bank acct. #. Most of these CAs (especially the ones on Mr. Hibbs' website) don't exist...trust me, I've done my own independent research. I've contacted attorney generals, licensing agencies, department of corporations, the BBB, etc, etc. THEY DO NOT EXIST, HAVE NO LEGAL BACKING, AND ATTEMPT TO OPERATE OUTSIDE THE STATUTE OF LIMITATIONS...Don't be duped!
BEACON how do you feel about your collector jobs in America (th
BEACON
how do you feel about your collector jobs in America (that many once made very lucrative salaries with) being outsourced now to India?..and corporations are reporting that they (the Indians being paid much less and making much more for these corporations) do a better job than American debt collectors?
and as far as beating the dead horse..don't they eat them in India? :D :D
Guest, please don't respond to then Beacon. We are trying to eli
Guest, please don't respond to then Beacon. We are trying to eliminate these types of exchanges to improve the sites quality.
I asked Bud Hibbs a question on his website a few months ago abo
I asked Bud Hibbs a question on his website a few months ago about my student loan problem and explained it to him in ful and all I got was an email from him that said "just go with the flow"..like what the hell is that supposed to mean? Not impressed with the guy!
edited by FYI. Please ignore this post and poster.
edited by FYI. Please ignore this post and poster.
Nobody respond to no nonsense collector, I'll PM a mod to have h
Nobody respond to no nonsense collector, I'll PM a mod to have his post deleted.
To all the individuals who read this that want a way to "beat th
To all the individuals who read this that want a way to "beat the debt collectors".....just work under the table, file a chapter 7 bankruptcy exevery 8 years and make sure uyou open u[ as much credit as possible after you file./ You guys all know how much fun it is to charge up credit cards and not pay it back thats the fun part----- oh and maybe you can come o n these website and wait 3 to 10 years for your debt to go out of state so you do not feel obligated to pay it...... hey if i borrowed a 100 bucks from you and you didnt see me for five years...should i go online and bad mouth you because you asked for you money that i owed you from five years ago anbd tell everyone what a scum bag you are..... you people will use nay exscuse to get out of taking care of your debt.....losers