Allstate Financial Services
Date: Thu, 04/30/2009 - 12:21
I have been documenting everything they say and how many times they call. What's next. I don't believe they have any doctor bills in that are unpaid. Thank you for any help
Send that company (via certified return receipt) a cease and des
Send that company (via certified return receipt) a cease and desist letter telling them not to ever contact you at work. It is way to easy to lose jobs now adays! Protect yours! If they continue to contact you after that then you sue!
insight
the reason why you they said you can not have a letter is because when they recieve the account a notice of debt and a settlement letter is sent out to you. you most likely disregarded it and threw it out. this is not their fault. get access to a fax and they will send you another. sending out another letter EVERYtime someone asks gets expensive after a while.
If anyone has doubts about the legitamacy of a debt. contact the original debt holder and ask them who holds your account.
i hear many people talking about doctor bills they do not owe. you may THINK that you are covered by insurance. but with all the legal jargon and fine print, you may be unaware of other charges or conditions. this is the INSURANCES fault, not the original vendor or the collection agency.
yelling
and yes, debt collectors will escelate the conversation equally to you. they are not customer service. they will treat YOU as they treat THEM. i have never seen anyone randomly start yelling for no reason. if they yelled at you. then i am POSSITIVE that you were rude or irate. belive it or not. they are people too. treat them with respect and you will get the same. cop an adittude and you will get one back.
i
I have sued several debt collectors and won out of court for thi
I have sued several debt collectors and won out of court for this kind of blatant FDCPA violation. They take paying as an occasional cost of doing business. Harassment is illegal period.
You know, as far a FDCPA bender goes, I really do not buy her st
You know, as far a FDCPA bender goes, I really do not buy her stories. I have had too many collectors call me and start insulting me and yelling as soon as I answered. You really need to get them to validate the debt. You can send a DV letter CMRRR, and they have to send you written validation. And you could also remind them of the dunning letter that you are supposed to receive within 5 days of their initial call. I have never received the letter before the call from a collector, so it is not likely that you threw it away carelessly.
wow..."FDCPA bender".....where do I begin? Quote:the reason w
wow..."FDCPA bender".....where do I begin?
Quote:
the reason why you they said you can not have a letter is because when they recieve the account a notice of debt and a settlement letter is sent out to you. you most likely disregarded it and threw it out. this is not their fault. get access to a fax and they will send you another. sending out another letter EVERYtime someone asks gets expensive after a while. |
Clearly, you chose a very appropriate screen name here. FEDERAL LAW states that you MUST provide written validation of a debt when it is requested within the first 30 days. I dont care how expensive you think it gets to send out those letters, the law REQUIRES you to do so and this is nothing more than, frankly, a pathetic attempt at an excuse. Tell you what--try calling MY house and telling ME that I owe you a debt...and then, during that initial call(obviously within the first 30 days), go ahead and tell ME that you cannot and will not send me written proof of your claims....and I'll drag your hairy back-side in front of a judge so fast it will give you a new haircut.
In other words, dont bother posting lame-duck excuses here. This is a place for people to get TRUTH and HELP in dealing with the likes of you, not more lies and excuses. If thats all we wanted, we wouldnt need this place, we would just talk to you and the rest of the dishonest debt collection experts out there instead.
Quote:
If anyone has doubts about the legitamacy of a debt. contact the original debt holder and ask them who holds your account. |
Wrong again, charlie. The FDCPA specifically states that if a consumer disputes the debt, it is YOUR RESPONSIBILITY, and YOURS ALONE, as the debt collection company, to obtain validation and provide that consumer with a copy. Dont come in here and try to pawn off your legal obligations onto the alleged debtor, the original creditor, the easter bunny or the man in the moon. Maybe if you lived up to the law in your work, you would be more successful in that work, chief.
Quote:
i hear many people talking about doctor bills they do not owe. you may THINK that you are covered by insurance. but with all the legal jargon and fine print, you may be unaware of other charges or conditions. this is the INSURANCES fault, not the original vendor or the collection agency. |
And once again, you obviously need to brush up on the FDCPA and how it applies to you. Nowhere in the law does it say that it is the insurance company's fault if you cannot substantiate a debt you claim is real. Nowhere in the law does it relieve you of your responsibility as a third party collector to properly and fully validate a debt when you are requested to do so. Nowhere in the law does it allow you to play make-believe and try to pass the buck on down the line as to exactly what the real status of any debt might be. The law is CRYSTAL CLEAR on this point--since youre the company making the allegations, YOU are the party that's responsible for substantiating those claims. Dont try to talk your way past the FDCPA's validation requirements with these ridiculous excuses. My three year old daughter could have come up with better attempts on her own, and even written in crayon they would be more believable than this garbage youre posting here.
Looks like this guy called FDCPA bender is a hit and run!
Looks like this guy called FDCPA bender is a hit and run!
Skydivr, Your post is not only very accurate, but absolutely
Skydivr,
Your post is not only very accurate, but absolutely *hilarious*!! Thanks for the laughs!
I would treat such behavior like a scam, including reporting the intrusive calls to your boss as harassment, filing complaints with the phone company, the FCC, the FTC, and your State Attorney General.
