Gues who called me today?

You can't read the name? It's supposed to be signed and printed so u will know who got it! Some of this seems a bit harsh to me but i guess Bud knows what he's doing! I personally rather handle things differently than to sound so harsh.... but that's just me, it's not in my nature to be rude to anyone!
Good Luck lady and let us know how it goes,
Sorry i wasn't able to get on earlier but hubby went grocery shopping and we've been putting away groceries for almost 2 hours! YIKES!
Talk tomorrow, i go in late,
Ang

I agree that it does sound harsh, but think about it think how they treat debtors, they treat us harshly, oh well, I think they will get the message, lol. I hope you guys bought good food, that is a long grocery list. I guess you won't be going out to eat anytime soon huh (lol). I bet that cost a pretty penny :)

talk to ya later
ladybug

Hi

Its indeed a cool post :) Infact its a good way to deal with the collectors who treat the debtors as dirt.

Nelly

ladybug,
How long have you been dealing with cach? They are suing me and I have been going back and forth with them on discovery, they actually answered my discovery and told me that I had no right to the contract that states that they owe the debt. They are ridiculous.

fedup - they said you have no right to see the contract that shows you legally owe the debt? now that's interesting...one would think they would WANT you to see that.

Hey fed why don't u try to contact Bud Hibbs and see what he has to say!! :D
And lady i agree that they dont' treat debtors very well but i was just saying that's it's not in my nature to be so harsh... didn't mean that u shouldn't! I'm just a push over i guess but i was taught to kill em with kindness!
:D
Good Luck Lady and let us know how it goes!
Miss ya,
Ang
P.S. and yea he spent a small fortune but we won't need groceries for quite a while now!

I have read and I hear all of what you say.... My first question of all questions must be how long were you in collection before you asked for validation of your debts..... Even more, how many collection agencies have contacted you and how many of the collection agencies have sent you the validation of your debt. Now, the account that is actually in collections, when did you first find out that is was in collections ... The reason why I ask these questions is because I don't see where you stated that you wanted to resolve the debt or that you know you are responsible for the debt. The one thing that disturbs me in the response that you got from budd hibbs is that there has to be a deffinate note made that all responses he gives are legal advise that will hold up in all states... One of the answers you got was to inform the agency each time they contacted you that you are recording them.... First things first!!!! If you are being contacted after they acknowledge they received your letter they sunk there own ship.... Now keep in mind even if you inform someone you are recording there conversation, keep in mind if they answer "YOU DO NOT HAVE PERMISSION TO RECORD MY CONVERSATION" keep in mind that not all states allow just 1 party acknowledgement of recorded converstations but recording of conversations has to be asknowledged by both parties in the recording in order for this to hold up in certain states....

I just find it alarming that you are instructed on ways to either run from a responsibility or is it you are being instructed on how to make money off of debt already owed???? Now to cut all of this "I SENT IT IN THE MAIL" stuff out.... they can simply give you a fax # to fax over any requests you for cease and desist or validation of debts. Makes no sense why budd didn't mention these options to you.... I just know this from common sense... So any readers that read this response... This first solution isnt to sue as all the creditors that seem to have called you aren't sueing you right away... :?:

SO are u saying that since the acct has been passed from one CA to another over and over that it is automatically owned by them?? That in itself wud make me leary! And it IS the law to validate a debt, prove u own it then let's talk about settling it.... as u say, first things first....
Just a bit confused by ur post
Ang

No one here is running from their debts. In fact we encourage all members to pay whatever money they do owe, However it is definately within our rights to be sure that the debt is ours, Especially if it is a debt that a ca claims we owe from years back.
There have been many companies called JUNK DEBT BUYERS that try to collect money on old debts that have already been settled. These companies try to muscle and intimadate people into paying these illegal debts. If you dont ask , you dont know .
would you like to be harassed for a debt you do not owe. Would you like to pay for something you do not owe.