Can they....

Amber Snow...what a funny name-roflmao...ok serious again.

Be advised many debt management plans do not deal with PDLs, as the PDL companies will refuse to work with anyone.

Share with us
Who you've borrowed from (the PDLs)
How much you've borrowed
How much you've repaid
What state you are in

If you provide these details, we can be of much more assistance to you.

OOOH OOOH! Was a message left on your machine that stated someone would be there??? If so, SAVE THAT MESSAGE! This would more than likely consititute an illegal collection tactic, and they could very well end up owing you. Please, if you have it on tape/voicemail, don't get rid of it!

she states my address and says, 'we'll be there'.

It would take me a few times listening, but I could post the whole message...

She says at the end: "all the legal processes are starting, at 11 a.m. (mentions my address,)we'll be there. good luck"

All I know, is I'm not in good health and when these kinds of calls come in, I don't need the extra stres...even though I've read they can't 'come get you' I still have moment of panic when they do this...just call me a worried old woman.

These people are not coming to arrest you or anything else. That is just a scare tactic they use to scare you into paying them. File a complaint with the Florida AG's office and your state's AG office. Also save that message as Morningstar has stated b/c it could come in handy in the long run.

I'll do that...I'm sure Florida's AG office gets LOTS of these don't they? Since I have noticed on this forum, a real pattern of places in Jacksonville!

Thank you!

Sounds VERY much like you could have a case against them. Try looking for an attorney on naca.net.
I am also concerned about the other content on the message. Generally, they should not be able to say that they have a message for "cleoandminhsmom" and that you need to call them back. They may have violated 3rd party disclosure laws, too. Get legal advise ASAP.

The mention me by name, and say they have a legal document with my name on it...I did call them once, and found out that it is indeed a PDL, and of course, they nearly tripled its original amount. The PDL debt consolidation firm I'm using, told me, that they had cases where these people, would call, and the person would be so freaked, they'd pay up, then a week later the same people would call again and demand ANOTHER full payment....when they'd be told, 'no I paid you in full' these people say, "no that was just the first payment, you owe more now"....unbelieveable! Almost sounds like a scam...if you pay them you'd almost have to wonder if the original debt would be paid at all....

Now if I can just find a method for getting that message saved off of the machine....its one of those digital answering machines....no tape, but unless you erase it it stays there...*grin*

"but unless you erase it it stays there..."*grin*

Yes, very big grin :mrgreen:

There are a few ways you can get the message transferred off the machine. One way I've used is to use my digital camcorder to simply make a movie of the answering machine while the message is playing back. :-) These days, even very basic point-and-shoot digital cameras will let you do this, and they're not expensive at all. If you don't have your own or can't afford one, you can probably borrow one from someone.

Regardless, though, I'd recommend you leave the message on the machine even if you do get it transferred to another medium. If worst comes to worst, I suspect that having it on the machine itself will be considered stronger evidence in court than a reproduction of any kind. (I am not a lawyer, and this is not legal advice.)

Good advice, debtpadawan, but I'd suggest just bringing an extension cord or two to court.

I gave orders to the household: "no one erases messages from the machine but ME!" That way I can get rid of the ones we don't need...and keep THAT one....*grinning again*