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Submitted by Vikas on Sun, 08/29/2004 - 04:33
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Quote:

I know you said she was recording the conversation, my point is that if you both have a record of the conversation, nothing can be misconstrued or altered

Good point Terrell 8)

One more question, if any one can respond???can any body belonging to the state that allow recording without permission, deny getting the conversation recorded? Any suggestion :?:


Submitted by stanley on Thu, 02/16/2006 - 09:03

stanley

( Posts: 1639 | Credits: )


i also receive those 215 calls only when i pick up, no one answers and they just hang up. to me this seems like a threatening tactic. is this normal for debt collection?
when i do talk to the agents, i try to be polite but i've found most of these agents will not hesitate to attack you on a personal level. i've had some agents start with rude and go to outright threats of being arrested and jail time.


Submitted by on Fri, 02/17/2006 - 08:25

( Posts: 202330 | Credits: )


Joe,

Fair Debt Collection Practices Act does not allow debt collectors to abuse consumers this way. They cannot be rude to you, nor can they threaten of an arrest. If they do, you can lodge complaint against them with FTC, BBB and AG's office.

Can you figure out if any of your debt could be under collection at present? Try to contact your OC and pay the amount directly to them. this will be easier for you.


Submitted by stanley on Fri, 02/17/2006 - 09:02

stanley

( Posts: 1639 | Credits: )


I work at ACS and I talk to all sorts of people like you all everyday. I just want to make some things clear. At some point you signed a legally binding contract with a credit card company that clearly states you are to pay off your balance on time blah blah blah. You are obligated to pay off a debt for credit that one ouf our clients extended you. What possible justification do you have for not paying? Essentially you are stealing. Citibank or whoever gave you money, you promised to pay it back and didnt. You spent the creditors money and did not re-pay them, how is that not stealing? Secondly the debts that come to us have seen no payments for atleast 6 months, have been closed and charged off, and sent to us to collect. Once again, you spent the the creditors money, didnt pay it back, and you call us crooks and jerks? Third-Look it up, we have every right to collect this debt, people threaten to take me to court bla blah blah all the time, and why? Because YOU didnt pay YOUR debt to my client, you're taking ME to court? Are you joking.. When Iam told that I laugh, because I know there isnt anything you can do. Go ahead and file your class action suit, it will get you nowhere, ever. You want us to stop calling your house? Not gonna happen till the debt is paid or arrangemts are made. You can tell us to stop and you're going to sue if we dont, guess what, you cant. We can call your home all we want until the debt is taken care of, the law allows it. As far as us calling the wrong house and you say so and so isnt here or doesnt live there stop calling and we dont..Alot of you are telling the truth, but alot or lying, thats why we keep calling. The numbers we have are the numbers given on the orginal credit app by the debtor. Therefore its hard to beleive soooo many people dont live wherever anymore. Bottom line, pay your debts, and dont blame us for the fact you spend more then you can pay and are not responsible enough to make a payment for 6 months, not our fault, its clearly yours.


Submitted by on Sat, 02/18/2006 - 16:11

( Posts: 202330 | Credits: )


Adam,

We have no problem in paying you. But you have to follow fdcpa rules. Go through this page carefully.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

You are not doing anything wrong by calling us, however if you break FDCPA rules, then you might have some legal problem.

And see what Virginia-Legal-Defense is saying here-

http://www.debtconsolidationcare.com/forums/about6798.html

Best of luck.


Submitted by on Sat, 02/18/2006 - 16:55

( Posts: 202330 | Credits: )


I spoke with someone by the name of trisha adams and ms. Banks and they were very rude to me, ms. Banks actually hung the phone up on me and told me that if I couldnt meet her exspectation she would take further legal action, when asked to speak to someone in charge she sd "I am in charge" I gt no where with them


Submitted by on Sun, 02/19/2006 - 18:49

( Posts: 202330 | Credits: )


Guest,

It is not clear from your post that the call came from your creditor or any collection agency called you. However, it seems that a CA called you on behalf of your bank. In that case, you can ask them to validate the debt first. Send them DV letter through CMRRR. debt validation is very important in debt collection.

You can also speak to original creditor and check if they can help you in settling the debt directly with them.


Submitted by stanley on Mon, 02/20/2006 - 08:29

stanley

( Posts: 1639 | Credits: )


ACS started calling me last week. The woman that calls claims to be with their leagal department. She says if i don't pay $2384.00 within 2 days she will have my wages garnished!

What should i do??


Submitted by on Mon, 02/20/2006 - 09:10

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You need to send them a debt validation letter. They need to prove that they can collect this account from you. That should hold them off about 30 days I believe. But also, I don't know if I am right or not, but I thought only a bank could garnish your wages? Somebody wanna help me out on that one?


Submitted by Brooklyn Girl Fl Trnsplnt on Mon, 02/20/2006 - 09:42

Brooklyn Girl Fl Trnsplnt

( Posts: 64 | Credits: )


Wage garnishment is a legal process. Your creditors need to win a judgment against you to garnish your wages. There might be certain laws in your state also and creditors must follow these rules. However if you have signed a voluntary wage assignment then they might try to withhold money from your paycheck.

In that case, you can contact your payroll department in advance and tell them not to honor any such instruction. Most of the cases, the wage assignment papers provided by creditors are not valid also. Please check the thread below for more information-

http://www.debtconsolidationcare.com/forums/garnishment-rights.html

brooks, simply send DV to them. if they can validate the debt, then only you need to pay. You can also contact with your creditors to have the account settled with them directly.


Submitted by stanley on Mon, 02/20/2006 - 10:02

stanley

( Posts: 1639 | Credits: )


Thank you, I now have an address to send a validation request to as well as a request to cease contact. Before I happened onto the site, I had no address nor was I able to get ACS to give me an address. Tonight, the agent called my home and played some kind of midi file or something and then interrupted it and sang part of the song, then played the "music" again. She even said who she supposedly is in the same message. I have 15 calls from them on my answering machine that are saved. IL does not allow recording unless both parties are aware, well, she was aware she was talking to my answering machine, so these should work. They are all very harrassing messages. She also calls my work and harrasses my associates and co workers. I have tried to pay the original creditor, but they will not accept payment, they refer me to ACS. I do not trust this agency and refuse to pay them. They often say "I am reporting that you have flat out refused to pay this debt and we will be proceeding with proceedings." How ignorant can they get?!?! "proceeding with proceedings :roll: , what in the world does that mean - sort of makes a person chuckle :D . Most recently, they told one of my associates at work my SS # ( :shock: ) - if that's not illegal, I don't know what is. I am hoping they take this to court, at least then I will be able to pay someone a little more trustworthy. Yes, my fault I fell behind to begin with just as many of the employees of ACS posted here, but I'm human - stuff happens. Anyway, thank you again, letters will be sent first thing tomorrow by certified mail requesting receipt verification to all three addresses just to be sure they get it. (all this for a $156 bill!!)


Submitted by on Mon, 02/20/2006 - 22:12

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Guest,

They cannot disclose your personal information to a third person. How can they disclose your SS # to others? Anybody can use your SS # with wrong intention! This is not right. You should file complaint against them with FTC, BBB and AG's office.

You can forward the harassing messages recorded in your answering machine, however, if you ever record a conversation, inform them that you are going to record it as your state law does not allow one party consent.

Hope things go to your favor before going to court. Keep us posted.


Submitted by stanley on Tue, 02/21/2006 - 10:11

stanley

( Posts: 1639 | Credits: )


I called ACS the other day and asked about my husband's debit. I didn't have his social security number, or his work phone number. I told them only that I was his wife. The lady gave me all the information on hid debit, including the fact that he was in a middle of divorce. I guess the wife is always the last to know of a divorce. Anyway, now the hubby is mad at me and furious with ACS...can he take action against them for giving me this information?


Submitted by on Tue, 02/21/2006 - 13:40

( Posts: 202330 | Credits: )


I called ACS the other day and asked about my husband's debit. I didn't have his social security number, or his work phone number. I told them only that I was his wife. The lady gave me all the information on hid debit, including the fact that he was in a middle of divorce. I guess the wife is always the last to know of a divorce. Anyway, now the hubby is mad at me and furious with ACS...can he take action against them for giving me this information?


Submitted by on Tue, 02/21/2006 - 13:40

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TearDrop,

It depends upon situation you know. It's true that debt collectors are not allowed to disclose your debt obligation to a third person. But wife can inquire about husband's debt. It is not considered as violation of fdcpa.

But if you are separated or going through a divorce case, then there might be some separate rules. However, if this is a joint account, then you have the right to know the updates I think.


Submitted by stanley on Tue, 02/21/2006 - 14:12

stanley

( Posts: 1639 | Credits: )


Stan,

Thank you for replying to my post. I will most likely not record any actual conversations because the most I actually talk to a person is when I'm at work and unable to say/do much anyway due to customers or associates being nearby. However, I do have some associates and co workers that are willing to write letters and have them notorized to try and stop the calls. These are co workers that have had to deal with the harrassment when they happen to be the ones answering phones at that time. Someone I know suggested I forward coppies of those letters to them with the cease and desist requests. I'm not sure yet if I will do this or not, but I will hold off on the cease and desist requests until I make a decision. Do you think it would give me more leverage to stop the communications if I include coppies with my requests?


Submitted by on Tue, 02/21/2006 - 20:15

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Legally a collector can not call family memebers and work, if works prohibits it, to discuss your debt! When dealing with ACS, who called me twice a day everyday, bc of my mother-in-law who is dieing from cancer ACS tells me, "Congratulations you beat the debt." True Slime!


Submitted by on Wed, 02/22/2006 - 08:49

( Posts: 202330 | Credits: )


KE,

Sending cease and desist letter would be the right move. Send your letter through certified mail with return receipt requested. Keep copies of the letter and the return receipt as well. You can tell them that you would like to be contacted through mails only. Once they receive this letter, they should honor it; otherwise it would be a violation of fdcpa.

You can also speak to your creditor and inquire if they can help you pay the debt without involving ACS. Keep us posted.

P.S. You can get the format of cease and desist letter from the Free Sample Letter e-book-

http://www.debtconsolidationcare.com/books/


Submitted by stanley on Wed, 02/22/2006 - 09:23

stanley

( Posts: 1639 | Credits: )


I just got two calls back to back from the 215-320-o424 num. When I answered there was no one there. Does anyone know the deal with that. To me it is harrasment.


Submitted by on Wed, 02/22/2006 - 15:02

( Posts: 202330 | Credits: )


wlljns,

Send them DV through certified mail with return receipt requested. Also add one paragraph in the letter stating that not to call you any more and you prefer letters as the mode of communication.

Once this letter reaches their place, they should stop calling you and they have to send you the itemized detail of the debt they are trying to collect. This will help you figure out if the debt amount is accurate or not.

You might like to call your creditor and inquire if they can receive payments for this account without involving ACS. Probably this will be easier for you.


Submitted by stanley on Wed, 02/22/2006 - 15:15

stanley

( Posts: 1639 | Credits: )


Stan thank you for replying to my post about ACS. Nicole from ACS said that my husband had told her he was going through a nasty divorce. We're not divorcing and when I asked him he denied saying it. My guess she wanted to get a reaction out of me so that I would go against him. I have learned the best reaction is no reaction...


Submitted by on Thu, 02/23/2006 - 19:07

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TearDrop,

This type of un-professional approach is not expected from a collection agency. They have nothing to do with your personal life, they are doing business here. Though you have pointed out a great philosophy here ??? ???the best reaction is no reaction???, still you can file complaint against them for stating wrong and unethical words to you.

Anyway, if you ultimately decide to pay them, ask for debt validation first. If you are satisfied with the validation sent by them, then only think of paying it. Also make an agreement before paying the money and get it signed.


Submitted by stanley on Fri, 02/24/2006 - 09:36

stanley

( Posts: 1639 | Credits: )


Well I got a call from a 215-320-0424 (ID= acs8002200605) and told me I had a BANK ACCOUNT when I infact do not. An told me how much I owed and im refusing to pay because I don't have a bank account and then told me to have my PARENTS "get you out of this one".


Submitted by on Fri, 02/24/2006 - 16:25

( Posts: 202330 | Credits: )


L,

First ask for Validation, this is the first step of debt collection. Since you are quite sure that this debt is not yours, they won't be able to validate the debt. So you need not pay it.

However, if they somehow manage to pay some papers; check it carefully and dispute w/e feel to be discrepant.


Submitted by stanley on Fri, 02/24/2006 - 17:37

stanley

( Posts: 1639 | Credits: )


I think I know miss Banks, only I know her by the name Joyce Beckly, bet its the same person


Submitted by on Mon, 02/27/2006 - 20:54

( Posts: 202330 | Credits: )


These people r absolute scum, however, I do wish to resolve my debt. They are currently calling my cell and old home phone where my parents live and leaving messages there constantly. My question is, if I write them the no call letter, can I have them either communicate with me through letter or my cell without the old house number? Or will allowing them the use of one phone number entitle them to call other numbers as well?


Submitted by on Thu, 03/02/2006 - 16:43

( Posts: 202330 | Credits: )


Please forward me a letter of account satisfaction to the File # 1035xxxx, creditor: Goodyear , account # xxxxxxxxxxxxxxxx. Check # 5591 Riggs Bank, Roiuting # xxxxxxxxx in the amount of $196.64 Dated 7/15/2005


Account number deleted for your safety-Mike


Submitted by on Fri, 03/03/2006 - 15:00

( Posts: 202330 | Credits: )


Who are these people they call every day and leave messages on my voice mail. Does anyone know there address?


Submitted by on Thu, 03/09/2006 - 09:16

( Posts: 202330 | Credits: )


Geez Adam, my name is Eve, I believe we met under a tree, only thing is Eve is my real name, I don't hide behind anything, I AM HONEST, I AM HUMAN, lots of things happen to people, to cause us distress, and difficulties in life, and believe me it will happen to you too, THATS LIFE, so I fell behind with CITI, so what are YOU gonna do, sue me for what? Harrass me for What? By the way why , are you pe3ople so afraid yes afraid to tell us who you really are, your real names, oh better cover your ass, you are scum, be real. SOMEDAY YOU WILL BE IN MY SHOES . and answering phone calls from ACS, whats the num,ber? why does noone answer. PUSSIES


Submitted by on Mon, 03/13/2006 - 21:29

( Posts: 202330 | Credits: )


Listen , any one here is looking into either ACS or Collection agency tactics or powers, we all have to get informed here, ACS is a collection agency, doing the dirty work for CC companies, mainly Citi corp , but I am sure others as well, now as a collection agent, I am not one but my father was, the whole idea is to SCARE the debtor in any way possible, I am sure our friends at ACS can back this up, to pay the debt asap, afterall the longer it takes the more the debtor gets educated as to her rights. PLus probobly the less that particular person will make, hey we all know its all about $$$$$. UNderstand what they can do, But also the BS that they do do,Anyone who workls for them should feel ashamed as they have no sense of humanity, Life is about decency and GOD, not about $$ and possesions.!


Submitted by on Mon, 03/13/2006 - 22:03

( Posts: 202330 | Credits: )


Jd,

As a consumer it is your duty to report any illegal activities of the debt collectors. Once huge numbers of complaints are lodged with FTC, BBB or AG's office, probably higher authority will open an investigation against them. So file your complaint with proper authorities.

Also inform your creditor about the trouble. If the collection agency breaks law, it surely hampers creditor's goodwill. Keep us posted.


Submitted by stanley on Tue, 03/14/2006 - 14:50

stanley

( Posts: 1639 | Credits: )


I have complained to CITIBANK about the practices of ACS, Did it thru my attny, CITI said THat I will not be hearing from them or ACS again. So far so good. They have violated so many laws, all recorded and documented, I am in CH 7 , and they still violate fdcpa laws. So the complaints are made to even the GA office, still wish they would use real names as thet is a violation, GET EDUCATED PEOPLE!


Submitted by on Wed, 03/15/2006 - 21:00

( Posts: 202330 | Credits: )


This man named Frank from Academy services called my mother in-law's yesterday and insisted that her son still lived there. He has not lived there in 18 years. When she asked to take a message about why he was calling he told her it was none of her damn business and hung up. Does anyone have an address for this place so I can send a desist letter from phone calls?


Submitted by on Thu, 03/16/2006 - 12:20

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I have received 3 phone calls at my place of employment- I returned the calls three times and ask them to kindly call me at my home phone number and not my place of employment and they just got all nasty and rude and continue to ask me questions - I refuse to speak on this at my work place. If they would call my house and stop hanging up and not leaving a message (because I assume that's who it is now) then i will speak with them but calling my job...no- no- that's a violation to TITLE XXXI
TRADE AND COMMERCE
CHAPTER 358-C
UNFAIR, DECEPTIVE OR UNREASONABLE COLLECTION PRACTICES
Section 358-C:3


Submitted by on Fri, 03/17/2006 - 10:06

( Posts: 202330 | Credits: )


Cecilia, Do not worry about ACS, they are just a bunch of people who think that they can intimadate you by saying things that you may construe as serious, they are debt collectors, people who sit at a phone system, and are payed to try and get in your face about debts that you owe, debts by the way that have been basically given up on the OC(original creditor). Keep in mind that if they call you , and you hang up or do something to getthem off your back, do you really think they spend a whole lot of time , worying or being mad and planning how they can attack you back again, the reality here is that once they are done trying to deal with you, they are onto another case, another debtor who they will try to intimidate, you are forgotten until they get around to your number again, they work on commision, they get bonuses, they get fines even based on their performence, even if they try the comforting " I understand your plight routine" the bottom line is that they are trying to make money and don't care about you aor your situation, stay cool, call their bluff!


Submitted by on Sun, 03/19/2006 - 20:09

( Posts: 202330 | Credits: )


i dont hate blondes and all debt collectors!!!i hate only bad debt collectors and bad debt collectors.you are not the(GUEST) we have in this forum.


Submitted by on Mon, 03/27/2006 - 06:41

( Posts: 202330 | Credits: )


I received a call from Linda at ACS today.. She said that someone was going to be at my door on Monday AM if I did not call her back? I do not know what she is talking about. I owe citibank about 1,500 from about 3 years ago.. I am in New York.. Is this going to happen?? Whats going on??


Submitted by on Fri, 03/31/2006 - 12:30

( Posts: 202330 | Credits: )


Thank you Stella.. I was so worried. She sounded crazy on the phone. I was really concerned.. I will contack citibank.. Thank you for the peace of mind.. I now can actually get some sleep..


Submitted by on Sat, 04/01/2006 - 09:51

( Posts: 202330 | Credits: )


i work for academy and am very succesful at my job and take it very professionally however there are some coolectors out there who use scare tactics to collect debotrs have to realize however that its not that deep of an issue,you signed a legal contract saying you would pay back the client and also agree to their interest,fees,and charges and upon default of contract you will remit the balance that is owed. We offer you a settlement that is a luxury that we are providing you,you owe the balance and then cry and scream and yell at us because you owe the bill,not us,you owe. Also it takes close to six months before a debt is sent to collections,that means the client gave you every oppertunity and grace period to do whatever was necessary to get this money and pay them what is rightfully owed. If we call you and have the wrong # dont freak out,say politely like a civilized humna being "im sorry but you have the wrong #",dont pry for information becuase we cant give that out under the fdcpa,dont scream and yell because the collector will probably think your the debtor and are being evasive becuase their are many people who use these tactics to avoid paying what is rightfully owed. Debtors always say send me a bill and i will pay,you received bills for every month from the client and they sent you letters for six months prior to you being sent to collections,this is simply a tired stall tactic,we dont send bills we are not a billing service we are a 3rd party collection agency,anything you request its not a problem put in writing and send it to us,you will get bills showing that you owe the debt provided by the client,if you call them they will not speak to you,they will connect you to us at academy. So before i keep going on and on,in closing i just want to say dont blame collectors for doing ther job,3rd parties stop being noosy we cant give you any info,and debtors we dont hate you,we arent angry with you,this is business and you are in breach of contract we simply try to help you pay what is rightfully owed. thank you


Submitted by on Sat, 04/01/2006 - 15:24

( Posts: 202330 | Credits: )


Jeez since you put it that way I guess I can forgive all the calls to my neighbors , the lying about who you are, the threats to my neighbors about sherrifs being on the way, and all you people are going to jail, Pay now or face prison time, "This is her cousin and there has been a family tradgedy and she needs to call this number immediatey"


Submitted by on Thu, 04/06/2006 - 19:19

( Posts: 202330 | Credits: )


I guess their may be collectors who are professional in thir job, but their are some who aren't, face it us debtors are in financial trouble, thats why we are late on payments and thus even talking to you, you want respect , so do we. Why lie , c'mon we know who is calling and why, there is no need for threats and lies, bottom line is I wiill pay when I can, thes cc companis aren't goin out of business because I can't make a $30 payment for a few months.. they can wait! These charges they impose are absolutely criminal.. plus the fact they know whos in trouble and when just from our charging and payment habits, how dare they punish me for getting cancer, and you heartless people harassing me for it, do you feel good about yourself at the end of the day for putting stress on othes.. just business right, wheres the support of your fellow human beings, sure there are bad people out there, but don't just assume we all are, maybe then I can assume debt collectors actually care about others and not the bottom line.


Submitted by on Sun, 04/09/2006 - 19:15

( Posts: 202330 | Credits: )


Collector, you've said your piece.
Most of the people on here are not trying to run from their debt, we are just searching for a way to get out it by supporting each other with advice and our experiences with these collectors.
Not everything you have said is true, there are alot of problems with receiving information, harrassment, and downright illegalities.
We are NOT bad people. Some of us are having crisis' that lead us to decide whether we should "pay the collector" or "buy food this week"
If you have any advice or additional information that can help us all on here, it certainly would be appreciated.


Submitted by erzeke1 on Sun, 04/09/2006 - 20:00

erzeke1

( Posts: 1145 | Credits: )


I recieved a call from ACS yesterday andspoketo "Shelly Church". My question is, did they violate the law by:

1)stating that they are a law firm. later in the conversation after i pressed her on being a lawyer she said she was a paralegal.
2) she stated that if i didn't pay my original debt to citibank that i would owe an additional $2500 for their services.
3) if her real name isn't Shelly church does that violate the law?
4)by saying that the call is from Academy Services, instead of Academy Collection Services does that violate the law. i figure they said this so that they could implythat they were a law firm like they said.

Thanks for any help you can give me.


Submitted by on Tue, 04/11/2006 - 12:22

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