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Anyone heard of these guys? They are representing CACH, sending me a letter of collection.

Angie, if you are already corresponding by them in writing and/or by telephone, and you have sent a letter of settlement, then they are breaking the law by calling your brother. In this case it does not matter if you or your brother has or has not sent a cease letter to them. They are ONLY allowed to contact family members if they do not know where you are, have no way to contact you, or you have given them that number to reach you at. If none of those apply then they cannot call him. They are permitted by law to contact family member ONE time to get in touch with you. They have obviously gotten in touch with you. Have your brother keep a record of everytime they call, and if permittable in your state, record the calls without their knowledge. Or, just tell them the calls are being recorded, that will probably stop them. I would definitely report them to the Attorney General's office though.

Sub: #11 posted on Wed, 07/26/2006 - 09:06


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They've ALWAYS known how to contact me! Just haven't always answered their calls. I asked her the first time she called him how she got that number. Was told that they have some kinda program that gives em old numbers of where you've lived in the past. I hope they accept this settlement so i can move on

Sub: #12 posted on Wed, 07/26/2006 - 12:55


[color=red]Same post in another thread - Mike[/color] tml

Sub: #13 posted on Wed, 07/26/2006 - 13:10


West Texas, I'm glad to see that, that being an A** doesn't mean you can't make a good point. People should take responsibility, but only for what they are rightly responsible for. Being educated about our rights a citizens and wanting to take responsibility for what we rightly should and no more does not make us lazy. All of us on this forum have made sacrifices to pay our debts, in one way or another; you trivializing those sacrifices shows your character. If we weren't prepared to make sacrifices, we would never pay any of our bills. This we must do or we couldn't post on this forum or recieve harrassing phone calls and such. I have been a member of this forum for a while and read almost every post and while people do get frustrated and angry and need to vent, nowhere have I seen anybody who was not willing to work. There have been people physically unable to work but even those people were trying to find the best way to pay their bills with what little money they do have. I agree that if you borrowed it you should pay it back, but you shouldn't have to pay more than what is legally allowed by the state you live in. As far as 3rd party collectors being "mean", if they are violating the law then they should be prosecuted to the fullest extent of the law. If certain collectors would follow the law and actually be willing to work with the debtor then a majority of posts could be deleted. That however doesn't happen. I appreciate the fact that you are trying to justify your own behavior by trivializing others but again that just shows your own character.

Sub: #14 posted on Wed, 07/26/2006 - 14:08

dcashwell3 dcashwell3

(Posts: 379 | Credits: )

You do not have the right to complain about a collection company no matter how "mean" they maybe. The people on this forum are quick to point the finger at others an cry foul, but you tend to forget you STOLE from these companies. The loaned you $300 and you didn't pay it back, you got a credit card and maxed it out buying God knows what and then you didnt pay them back. AND NOW THEY WANT THEIR MONEY BACK, WHAT A SHOCKER.

So this statement means that we are to take the abuse of having our children taken away, we are going to be arrested, better get a lawyer because were coming to your place of employment to get you? We are suppose to sit back and allow this to happen? I DON'T THINK SO!!!

I wish more companies had the power to garnish wages. I think it would be a slap in the face to society.

So you think it would be fair to have peoples wages garnished on debts that isn't theirs or have already paid? I think it is time for you to go elsewhere with your negativity and get a real life.

Sub: #15 posted on Wed, 07/26/2006 - 14:11

Not so Lucky Not so Lucky

(Posts: 3041 | Credits: )

Tammy...he's just nuts and has nothing better to do! We've booted better crazy people outta here!

Sub: #16 posted on Wed, 07/26/2006 - 14:13

erzeke1 erzeke1

(Posts: 1145 | Credits: )

Hopefully he will "COWBOY UP" and get a life real soon.

Sub: #17 posted on Wed, 07/26/2006 - 14:16

Not so Lucky Not so Lucky

(Posts: 3041 | Credits: )


Sub: #18 posted on Wed, 07/26/2006 - 14:23

erzeke1 erzeke1

(Posts: 1145 | Credits: )


I have to disagree with you on one point. If you enter a contract you should be responsible for every penny that you owe, whether they are legal in your state or not. You have agreed to a contract, and you must uphold it.

The point I have been trying to make is that people should not agree to contracts if they do not like the terms of the contract.

Sub: #19 posted on Thu, 07/27/2006 - 13:51


So what you people are saying is that it is ok to enter a contract and then back out because you didn't pay attention? Right?

And if you do not have the common sense to realize that these are empty threats than maybe you need something more than this forum. Or perhaps maybe you should toughen up a bit, become a little more thick skinned instead of thick headed. Use common sense, what collection company is going to take your kids over an unsecured $300 dollar loan. Come on people use your flippin heads. Where is Darwin when you need him?

Sub: #20 posted on Thu, 07/27/2006 - 13:57


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