Collect America: 4 Steps to tackle collection calls and letters

Here is their contact info for headquarters per their web site.

Headquarters:
370 17th Street
Denver, CO 80202
Telephone: 303.296.3345
Toll Free: 800.478.5541

The letter you received is a privacy notice all creditors are required to send to their customers per rules of the federal trade commission.There is a good chance that they now own your debt.

I got a letter to about the privacy policy never heard of these people befor

They buy debt and try to collect on it

Quote:

Feel like a dumbass (dume-ass in French) for posting a comment w/out investing a little time 1st!

"AND...Thanks for listening."

-Steve Jones (103.1 fm)

so they got my dept now u think they will take my tax returns?

They can't interfere with your tax returns. To be on the safe side, I wouldn't use direct deposit, because they can freeze your bank account if they get a judgement. Just get a paper check. WalMart cashes those for about $3.

yea i dont have a bank accont no more so is that better?? and i love it that they wont take my returns. ty for the help

Keep us posted. We'll help you however we can.

they seem rather sneeky to me. glad I don't have anything of any value.....including money.

These people buy old paper and then try to scare you into paying any amount. Many time the debt or payments were made long ago and they have bad and outdated information. Cotact your state consumer affairs office or States Attorney.

I received one of these too....very vague info about themselves with NO true contact info or explaination about the company except it read like they are protecting my privacy rights and the website to use to ensure "privacy", with all the legal mumble-jumble about how they have special cookies and things that won't track you on-line - BS if I ever heard it...I am treating it as a scam, and if they bought my debt - good luck to them 'cause I just got my Federal Stimulus Releif (just like GM and Chrysler) in the legal way...Chapter 7. Bub-bye!!!

Hope this helps...Anything sounding like collections or similar scams, I check out with Bud Hibbs:

http://www.budhibbs.com/coll_to_avoid_list.htm

READ #80: Collect America, CACV aka CACH, (CA Holding, Inc.), LLC

i wish them good luck,but they will have to get on the back of the line with the rest of the vultures

i just got this letter today in the mail and not only is there no info on the paper at all, there is no contact info to try and get in contact with them even if i did want to settle my debt... which i don't!!! just like the person above me said, they can get in line.

I got one of these privacy notices too. There was a phone # of 800.478.5541, When called the automated voice wanted SS# and/or Account #. So with that, not knowing the the heck these people are, I hung up. However, I will call later in the day to talk to someone. It's too early in the morning... they aren't open yet...perhaps. At any rate, they will have to tell ME what they want not me give them any information. I will up date as soon as I talk to someone there.

Quote:

Yes, thanks for the information. My sister, who is deceased, received a letter from this company too. I was curious to know what type of company is this. Now I know. Thanks a bunch. I don't have to do any more research than this.

i dont know but i got one today. oh well good luck u cant get blood out of a turnup! lol oh well

They took me to court I won the case and they still herrass me with letters I going to turn it over to the Texas Attorney General since they do not answer their phone

:confused:I am unsure why the vultures insist on circling at such a vulnerable point in every one's lives. Where has common humanity gone these days? Do these ass-holes KNOW the state of the economy? Or do they even care? Do they realize that suicides rates are through the roof right now thanks to pricks like this? People are trying to feed their families-**** debt collectors!!!!!!!!!!!!!


Let's keep it clean, OK? - Uncle Wulf

Does this mean they are taking you to court to satisfy a judgement or is this their way of getting new info on you?

Well, called them...and this time during the day... they didn't have anything on my husband or me....via info of our address. UMMMM...doesn't seem lagit to me. But my letter is going in to the recycling....This just takes up my time and wastes trees.

No, don't throw away anything you get from collection agencies. It can be used as evidence when you SUE THEM for violating federal law.

i received a letter as well, but thanks to the postings now i know what it is. unclewulf sounds very knowledgeable.

I received a letter from these folks for someone I don't even know. I asked my husband and it turns out that it was the maiden name of his former wife whose debt collection letters/phonecalls we have been receiving here at MY house for the past 4 years where she's never lived. I was going to call these folks to tell them as I've told other collectors that she doesn't live here, and has never lived here, but their message box is full. I guess I'll just return this letter. But,we get soooo many of them. It's tiring. Advice?

I posted, but it didn't appear?

OK>>>>>>>>>Now, it's showing ??

Quote:

This is a off the wall collection agency that uses spam for initial contact ignore them completely do not answer tham in anyway/if you had a debt and thay bought the rights to it from another agency you did not pay they bouhtt for pennies on the dollar about no cost at all and will try to cllect the whole debt thats the way crooks stay in vusiness

yea i got the letter 2 today and since im the only 1 supporting my family of 5 and am on food stamps,with rent at 600.00 daller good luck to these rich bastererd because they got money to have a life wj=hile im slowing going down hill just trying to stay afloat.screw them,thanks to you pepole on here and the encouragement from just reading your posts has helped me not worry about it !!

i received this letter too.... how did this "company " get my information? some one need to explain what this letter means! is the company real?

:evil:Thanks for the info, just got the letter today, not sure what its for our who was trying to collect but i filied chapter 7 and been discharged a few months ago- good luck suckers!!!!

Mne... Can you let me know what letter you're speaking about?

Mao... If you had included the debt in your bankruptcy filing and then got it discharged, then the debt collector won't be able to come after you. If they do so, it will be considered as fraudulent. You should contact your bankruptcy attorney and check out what steps you can take in this regard.

Just got the letter at a rental house of mine.
Funny thing though, it's addressed to my mother who has been deceased for ten years now.

If your mother was one of the owners of the property and if you did not remove her name from the property deed, then the lender can send the notice addressed to your mother.

You would think that the original source of the debt would appear somewhere on the mailed document.

I just got one also, do not know who they are so I am throwing it in trash.

Generally, it means at some point you defaulted on a loan, whether secured or unsecured (like a credit card, personal loan, a repo'd car loan, etc). The original lender has already written the debt off as a loss. Outside companies, often buy these written off debts at pennies on the dollars and attempt to collect on them. Any money they collect is their profit. There are certain notices, like of privacy, they must send to the last known address. One reason to notify you of the privacy acts, but two, and mainly to, to try to track you down. Trashing was good-assuming you dont want to resolve the debt. If you're working an "over the table job" and they find you, they will or can pursue to garnish your wages (with the right legal steps). That's when you'd get the details of who the original lender was. You did well by trashing it. F*ck'em. Haha. Unless you're trying to fix your credit, different story then.