Gary Barnhill from 800-741-2100 x3201 is now trying to reach me over the phone by calling my work phone number. Do they have the right to be harrassing me at my work via telephone? They left a message on my work voicemail this morning, but as usual, they do not leave a reason why they need me to get in touch with them by calling the 800 number. I heard from a friend that as soon as I make connection with any collection agency, either by writing or voice, the 7-year wait for a debt to drop from from credit report is reset. Is this true? Thanks, StarvingStudent

Does anyone out there have any information Accounts Receivables Technologies? I have their phone number, but I had never heard of them before? Just wondering! Thanks!

Can someone tell me anything about these folks? I have no idea who they are but they have left several messages for me with our receptionist at work.

will you be able to help with tax debt

okay, I asked this before but didn't get much of a response. I got to thinking about it again and thought it to be interesting conversation. Has anyone here, ever actually got full validation from a collection agency once asked? I have asked for it on a few accounts. One agency wrote back and said that they're working on it and it could take up to 90 days. --okay, guess thats something-- Another, Encore, has ignored me thus far. Not another word out of them once I asked for it but yet original creditor tells me to talk to encore.

I agree...we should all take them to court for harrasment..Thanks for the information

As I read and post in these forums, I find alot of discussion on taking CA's to court, holding them responsible for what they have done. I was thinking, what if one (or several) of us do that, what do we need to succeed. After much thought and using my personal and professional experiences, here are some things to to. First of all remember that in a civil court, a decision (verdict) is baded on a preponderance of the evidence.

okay first off---DING DING DING--500 posts (and still going)!!! GO ME!!!!!!!!!!! LOL This is something different even for me. Husband has a collection agency on his report (Equifax only) that is for a medical bill of $55. I sat down last week and wrote them because to me, $55 is not worth it being a bad mark on your report over. I didn't ask for validation. I just asked was the debt still for $55 and stated that I wanted for them to agree, before me sending payment, that they would go back to the bureaus and report it as being paid-upon receiving my payment.

I have received 2 threatening calls in 2 days from these folks. They want all the payment or access to my checking account. I told them I don't have one, but that I have a debit/visa card. She said the only way she would take that is if I broke up the payments into 2. I owe them $420. She said left a message last night saying that I obviously I am not going to work with them and they were going to go ahead and process me for arrest. Has anyone dealt with these folks and are they full of crap?

I will try to make this as shoprt and simple as possible. My grandparents were poor. My Grandfather wanted more out of life and so he set a small amount that he and my granmother would put away every week no matter what. PS: When he passed away he was worth over $1 million. Unfortunately my Mother never picked up on their money management skills and perserverance so in turn, neither did I. I was in debt when I got married and still in debt after my seperation in 2000 and subsequent divorce in 2002.