John P Frye Law Office ripping me off, what can I do to get out of it?

Have you confirmed with the law firm about your account information? Did Law Office of John P Frye send you the total outstanding balance in writing and other papers that confirms about their authorization to collect on your account?

One more thing.. How did you know that Household Bank has actually sold your account and not hired another company for collections? You should be able to work out payments if Household Bank still has your file in their system? Give them a call and know the latest status on your file. If it's with them and you have their offer in writing, put your proposals.

Law Office of John P Frye has confirmed the amount of the loan with us over the phone as well as letter from their office stating they are attempting to collect on behalf of Atlantic Credit & Finance. We've actually tried to talk to Household and they've confirmed that the account has been sold and there's nothing more they can do for us.

I to have just started speaking to them in writting all of it. I sent letter 1 for validation they sent back one of there letters with there letter head stating all info. but my records show diffrent so I sent out validation letter #2 asking them to show me how they came up with the balance. So I cant give you any heads up on them I know there are a couple thing that confuse me about these two identities / same office, same secratary, same type of buisness Frye is also a lic. collection agency/Lawer conflict of intrest if you ask me, but what do I know.
So in speaking of $ how were they to deal with?
Did Law Office of John P Frye say ounce paid they will remove/delete the Trade Line from report? Was the debt purchased somewhere around 2/19/07.
Sorry for all the bla bla bla but Im trying to find out what kind of debt buyers /attorney/collection agency this is. He** I cant even figure out who is doing what! misleading if you ask me.
well good luck let us know how they do?
Buda

Buda is write, only deal with them in writing. If the debt was sold, it's a whole other ball game. Be sure to send a letter demanding validation of the sum they say you owe, and any contractual obligation you have to Frye and Atlantic. Accept no less than a full accounting of why you owe what they say, how they calculated it, and What any fees are they might have taked on, and why and how they were calculated. Go to findlaw or someother site and look up the summary of Fields vs. Wilber Law Firm (US Ct of Appeals 7th District 2004). This will help on the minimun requirements for debt validation. Fields won because the debt buying lawyer lied and missled about fees and the amount due.

I had a debt with HSBC and defaulted also. Law Office of John P Frye is horrible. They will tell you that you must pay now. When you can't they back off the required amount but continue to harrass. I had a debt of $6k+ is is now less than $4K but it has been a nightmare. What is do bad is that they have many different peole calling so. They call the day after a payment has been made. But I have no choice to deal with them until it is paid off.

Collect America aka John P Frye will not settle debts like other collection agencies that are professional. They threatened to tack on attorney fees and sue me over a $ 961 debt what a laugh. I told them that is a small claims court amount and they will never sue over it. I offered to settle the debt and they refused and started threatening me. I told them they cannot threaten me under the fdcpa. I told them I could settle for 55 percent but they refused and then I told them you are forcing me to go to bankruptcy here, wink wink to you guys who know.

This law office Collect Office John P Frye stuff is a collection scam with lawyers who just put their name on the door because a lawyer is out for quick money they buy the debts for as low as two to three cents on the dollar and I was trying to settle for 50 or 55 cents on the dollar. NCO is a real good collection company because they are totally professional and I like that. I can not be threatened because I have nothing, I have already been through the three trials and ordeals: death, failure and destruction, and finally I am already backed up by the Man Himself Who they cannot threaten.

I've seen attorneys suspended from the bar for doing a lot less (unprofessional and unethical conduct). Always report "attorneys" such as John P Frye to the state bar where they are licensed.

I forgot to sign in on that last post.

being sued for violation of the fdcpa may not mean anything
it really means that an individual collector got busted
it's how they violated that matters
they called too many times in a week, they didn't announce they were attempting to collect in the first phone call, they threatened action they knew they wouldn't do, they called a person names, maybe they said 'have a nice day'
those are all violations of the fdcpa

what's it mean?
what matters is how they handle your account
don't worry about all the other accounts
because the bottom line is how they handle yours in a court of law

yes, but sometimes, a pattern exists. If you look at some of the worst CAs, or if you look at PDLs for example, you will see a pattern of behavior. That will give someone insight into what they can expect from the same company. Knowledge is power, and with this kind of knowledge, a consumer can properly prepare and deal with such a company.

I have also just started to deal with them. In the original letter they state that I have 30 days to dispute, but when I called to try to work something out they said they needed all of it right away. So I guess the instant you contact them the 30-day grace period goes out the window? Also, when I called back to say that I could have it paid off in 2 installments, they first said that they needed all of it right away, not in installments. Then another person got on the phone and said that they could work it out so that part needed to be paid on Monday - 4 days from now. Do I have the right to say "Wait a minute, before I give you a dime I would like this new payment arrangement in writing?" Does anybody know if I have that right?

a collection agency like Law Office of John P Frye is not required to settle accounts. They also aren't required to accept payment arrangement either.

I do agree with ajdjfnfn but I also agree that there are the companies out there that are not willing to work with an individual going through a rough patch. Since my separation over the past couple of years I have been put in a trying situation that has made me deal with both. If a collection agency is willing to work with the person that is indebted that is the one to work with (that's usually the first agency to call you on the debt).

I really didn't mean to complain. I have taken full responsibility for the debt that I have, and am working it out. I just had a question about my rights, because I was unclear. All better now. :)

Look, JPF along with any other collection agency in this country is just doing what was assigned to be done when people dont pay there debts. Some would say, just suck it up and deal with the fact that its time to make ammence with you financial obligations. They are just doing there jobs! Just as you would get up every mornning and get ready to pull you'r 40 for the week. You and only you have put yourself in the financial state that you are in. Why get online and cirtisize people just like you and me who are just doing there job? Opinions are one thing, but slander is another!

Please dont misunderstand my statment. I just get a bit fed up with some of the things people say about collections. I do not have perfect credit by any means. But, I do know first hand that The Law Office of John P Frye is only doing what is set forth by there client. They are seeking to resolve the debt as quickly as poosiable. Unfortunately, once you defaulted in your payments with Household, JPF is not obligated to honor payments again. It, being your account in now in a prelegal status. Call them, they will work with you. I promise! Just because collections is there job, doesnt mean they dont have the same debts outside of work.

And please remember that the debtor does not have to deal with the collector as well. They can go straight to the source, and if they do not want their money this way, then I guess they will not get it.

thanks,
Luke

Hey INSIDER- What is "poosiable"? Also, "pre-legal" status can mean ANYTIME the account exisits prior to legal action by way of use of the prefix...this meaning even when the account is current.

I have yet to have an original creditor turn down my money....

I believe the term prelegal is used to describe a case that is within a week or two of filing a summons and complaint. It is at the point that they are drafting the paperwork and just counting days to receive payment before they sent their lawyers service to court to file the papers and serve you.

Look, it seems like everyone on here is forgetting one little fact...... you owe it! Would you try to find a way to offer your mortgage company less than you owe? Tell them that you just cannot pay? Of course not, you would be homeless. The credit card debt that you all are so persistant on playing the "victim" with is just like any other bill. You signed up for it, no one twisted your arm. You agreed, by accepting the card that you are liable for any and all fees associated with the account, and that the account could be transferred, sold or given away to anyone ... but that you were still liable. You also agreed that if you defaulted, even by one day, that they can call full balance due at that time. You signed a legally binding contract at your own will. And YES, even if the debt is unsecured, YOU CAN BE SUED. Depending on what state you are in, they can garnish your wages and put liens on your property. If you all spent the time, that you use to piss and moan over how you are being screwed, on making an effort to meet yor financial and moral obligations to your financial debt, you would not be in the spot you are in. PAY YOUR BILLS!

*rolls eyes*

Ever notice the ones who keep bleating to "pay your bills" must not really read what we are saying. Makes me wonder who they are and who they work for.

Let me make it very clear in easy words that a child could understand.

Bob Collector wants Judy to pay this bill.

Judy asks Bob to give her proof this is her bill.

Bob ignores Judy.

Judy refuses to pay Bob just because he says so.

Oh my is that u Pay??? Haven't seen u in a LONGGGGGGGG time dude!
Nice to see ur words of encouragement back!
:D
Ang

I am also dealing with the john p frye agency and yes they are requesting payment in full, i told them i will make monthly installments and they said they dont do that. They are constantly calling harassing me for the money but they wont take monthy installments so i told them that unless they do that and send me something in writing they arent getting anything from me. I want an itemized bill that shows the total amount and they say that they cant get it.Is there anything that i can do?

Yes! You send them a debt validation letter. By law you have the right to ask for that info and until they provide said proof, they can't continue to collect. If they are on your credit report you can also demand it be removed if they can't prove the debt is yours.

To ajdjfnfn, and real life.
I don't try to sue debt collectors, if they break the law I will most likely just report it to the attorney generals office for their state, as well as the FTC, and if it is a law firm/collector, I'll report it to the bar for their state. Additionally Golden Bast is correct, if a collection agency state that I owe them money, I request validation, once they provide me with the documentation that states that they have contacted the right person and they do actually own the contract/invoice and are entitled to collect on it I will be more than happy to pay them to get the account settled.
A good example of a reason to request validation is perhaps you don't remember owing anything to such and such company, or in a case that I had back in 98 (when I was 18) was a collector called my parents house looking for me about a home loan that was taken out in 95. Sorry but I was only 15 in 1995, and in no position to place my name on any legally binding agreement, let alone have a house as the collateral used for said loan. Case of mistaken identity. Would you want to pay out some 80k for something that isn't even yours?

This bottom feeder started harassing me after HSBC sold me out ! Gave me 20 days to come up with 25k!
Help!

Rick send them a debt validation letter certified return receipt mail.There is a good one in my signature at the bottom of my post.

Thanks for the letter! I know they can garnish etc lien on my property,can they force the sale of my house?
Thanks again
r

They cannot do a darn thing until it goes to court and a judgment is issued. The only creditor that can force a sale on a home is the Irs or your mortgage company.They can lien home.

ajdjfnfn has spoken like a true debt collector. No one ever said they were trying to dodge a responsibility only that they wanted to be treated like a human being, even during a rough patch in their lives. This does not give debt collectors a right to treat people like a lower species.

If a person just types random letters in their name, posting such things on a forum, then the only thing that they want is to start a flame war and in turn degrade the value/integrity of this forum. Don't respond to them, just ignore them.

I agree in taking responsibility for our debts, but I have taken the time to speak to collectors and they for the most part have been rude. I had 3 hosptal bills that added up to 1080.00 and I paid it , I requested a letter off paid in full and never got it. due to my illness I ended up in the hospital for an extende period of time . totally for got about the issue and about 3 yrs. later got bill again for the same thing. since then alot of my stuff got put into storage and long story short i can't find the paper work. they called again and it is a different collection agency so i ask for the back up paper work cuz i had already paid this bill and wished to contact the hospitol to see why they are still charging me. and to please stop calling all hours of the night plus on WEEKENDS, the lady was rude and told me "if you paid your dam bill you would not have these calls coming to you and that they were going to sue me" I responded so sue me for my disability check!

Excuse me ajdjfnfn but, has it *ever* occurred to your feeble little mind that there are indeed cases where people fall upon hard times? Such as MAJOR health problems, disability ... things beyond ANY persons control? No, you don't seem the type who would understand or sympathize with such things.

In your years of debt collection - I truly hope that you are ashamed of how many elderly, disabled, veterans who served this country when you were in DIAPERS, that you have perhaps caused the loss of their home - or even the ability to put food on the table. NOBODY deserves such treatment. Answer me this - since WHEN is it a crime to fall ill or to be poor in this country? The crime should be for debt collectors to CONTINUOUSLY HARASS low income families due to NO FAULT OF THEIR OWN.

You may be young and healthy now but in years to come, that will change. Maybe THEN you'll understand our plight - just as everyone here understands the fraudulent activities of ALL collection agencies.

Considering the fact that you were a debt collector - YOU ARE PART OF WHAT IS WRONG WITH THIS COUNTRY.

Wouldn't you like to know, this message is to you. I am a debt collector, I collect medical debts. I deal with the 35% of people who do not pay their medical debts. I will never forget the most interesting account I have ever had in my years of collection. I had an account of a woman who owed nearly $200,000.00 in medical debts. The interesting part the woman would answer the phone, she would say, she had no credit cards, no house, no car, she would say since she did not have anything we could not get anything from her and hang. Constantly called the woman, for that is my job, she would pick up and say the same thing and hang. One day I took a different approach to the call for I was curious to know how could 1 person have a medical bill of nearly $200,000.00. She explained she had had cancer, had cancer for years, I even asked her why did she not file bankruptcy? She explained she could not afford to do so when I started asking other questions, she hung. Once a week this woman picked up the phone and we talked. Several weeks passed by and the lady did not answer the phone. One day she did and I immediately asked where she had been. She said she had been in the hospital but due to the fact she owed the hospital over 3 million dollars they sent her home. She told me she was not feeling well and I could hear it in her voice. She told me the same thing, she had nothing, she was not going to pay. In talking with her, I had discovered she was still employed. Several weeks went by and she did not pick up the phone. I never will forget the day, I called her job for she was not picking up the phone. I was told by someone at her job she died...the truth was she died shortly after our last conversation. . Do you want that to happen to you?

People need to own up to their responsibilities and stop creating excuses. I treat people with dignity and respect for that is the way I want to be treated. Although I am a debt collector, I know what it is like to be on the other side...I remember when, debt collectors would cuss at me, call me deadbeat. In being respectful of others, I go out of my way to find solutions to help create a win-win situation for the person as well as myself. I have found in my years of debt collection, I can get further by being nicer. People pay me due to me treating them with respect and dignity.

A hospital will not refuse to treat someone who has a fatal condition unless it is not treatable. If they were to refuse it would be a COBRA violation for starters. If there were treatments she could have gotten it from a non-profit hospital. Where I live live there is one that has some of the best oncologists on the East coast. Including a gamma knife facility, it is uber expensive but you can fill out financial aid papers and if you qualify (pretty easy if your not making much money) they will simply write it off. But the only way they will refuse treatment is if the proposed treatment's risk out weighs the benefits with higher marginal risks of failure.

But you are right about one thing, if you treat people with respect you will be more successful. I'm sure you have far reaped the benefits from that tactic. And for choosing the high road and conducting yourself as you should (as a professional) I do applaud you, you have made the right choice.

I have been getting calls from these people about a debt that I supposedly owe. I first thought that this was either a Mortgage refinance solicitation or a scam. When they persisted in calling me, I engaged them to try to find out more. They were rather insulting in their attitudes and statements during the whole process. After multiple calls, and some inconsistent statements on their part, I have come to think that they are going after the wrong person, or they ARE a scam, since they were 'highly enthusiastic' when the term 'check by phone' was mentioned. I am going to fight this one out, I have the time, resources, and (thanks to this group) the knowledge to try to get actual and punitive damages from them.

Do not try the patience of Wizards, for you are crunchy, and good with ketchup.

I know I am responsible for all the mees I am in, but I never asked to have an autistic child myself which is the cause of my financial problems.

Ok, I've been receiving 2-3 phone calls a day from these people, and, except for 2 along the way, they are all hang up calls. They are calling for someone I have never heard of, and even though they say they will remove my number from their database, they never do. I sent them a cease and desist letter, that was received and signed for by someone in their company, but they still keep calling. What can I do to make them stop? They are calling at different times throughout the day and night, and they hang up on me when I answer about 95% of the time. I am not responsible for the debt of whoever this is, and it is completely ridiculous that they are stil harassing us.

i have a card account that was placed with this outfit as far trusting this firm i don't my thing is take care of your personal debt,s if you owe pay up & move for ward think twice read the fine print etc if you can use it then you can pay up when is due if don't pay don't get it end of story if a person is in trouble credit cards etc first try to work a payment plain if thats not possible then go to a cccs or you can go on line or the phone book & look under credit there are agencies that can help you out thats better then not taking action i have done it before they do work but you must be commented to do it don't let the collections office call you if they do tell them that you are with a cccs own up to it like i did some collections offices may say they don't work with cccs don't let them hose you believe me they will try it they will rest assured you need to inform them & most&foremost you need to give the collections the # to the cccs office end of story.

8) everyone gets into a bind.. but putting the blame on a collection agency or the original creditor is the act of a coward. face the music, treat them polite, most all of the time you will get the same in return. being defensive with anyone, whether it be a collector, customer service rep., or even a judge... most likely you'll get the same right back or worse. Fix your problems, stop crying online, and pay your bills people.

im in trouble and i am trying to settle, frye tells me they will garnish my wages,what are the laws in ca regarding wage garnishment

There is only one John P Frye listed in the California Bar Association and he died. He was admitted to the bar in 1937 so I am pretty sure he was not practicing lately.

When you send the Validation letter verify that he has the right to collect in California. Also he will have to go to court to get a judgement and if you fail to pay then he will have to go back to court for the garnishment order. You have time to work this out.

Also what type of debt is this and when did you make the last payment?

CA Statute of Limitation for credit card type debts is 4 years. They will try to tell you otherwise but don't believe them. This info was verified by an attorney.

Quote:

John Frye?

Isn't he the guy that wrote that "Million Little Pieces" book that caused all the controversy with Oprah? You know, where he pretty much made up most of his life for a good read? Boy, Oprah was pretty ticked when she had him on the show the second time.

You don't wanna mess with "The Big O!"

Kidding.

you sound just like John P Frye whos Law firm claims he exists just one small problem ..he is not registered with the state bar , in fact there is no John P Frye listed at all with the state Bar Association and just what do mean by discuss this with what agency or Law firm that you have an account with ....like we openend up an account with Mr Frye
you sound to me like a complete degenerate who cant even hear the voice of reality NOBODY SIGNS UP TO BE HARASSED ..what part of that do you not understand you scummy debt collector...I guess that you couldnt find a real job you had to bust someone elses ass for your small minded perverse pleasure. I would put you in the class of **** that sells child **** or worse.

[color=Red]****Adult term removed - Jason[/color]

Yikes! Vegore, simmer down there tiger!

I think you're venting in the wrong forum. Sounds to me like you want to be talking directly to John Frye or his representatives. None of us here are affiliated with John P. Frye in any way.

This is a forum that helps people being victimized by crooked CA's, and offers advice on getting out of debt. I can definitely understand your frustration if you have been victimized by John Frye.

As for comparing him to child ****? I would think most of us would agree that's really a stretch. Yes he's breaking the law by harassing and abusing debtors; however, I don't think that's as heinous a crime as child ****.

[color=Red]****Adult term removed - Jason[/color]

No, I think the act of production/distribution of child pornography should be a capital crime.

Personalattacks are not allowed on the Forums. If you have some info, please share, but there is no need to attack someone or what they say..KAren

IIm Dealing with these jerks.I admit yes I did fall behind a bill but Im on a debt management program I did inform these foks about it Im surprised they were willing to work My debt mang program well yesterday My debt mang called Me at work she had a talk with someone from jonh p frye office they wanted to know if they could set something up with Me I told My debt mang No I dont NO ONE FROM THIS DIRTY &EVIL BUNCH to have to any axcess to My CHECKING&SAVEINGS ACCOUNTS they wanted to try to gain axcess to it I told them NOWAY IN HELL would I ever give them that kind of personal info unless a person wants to be cleaned out theres no telling what they might do I dont trust this outfit the reason why I said that theres to munch Id thef I also told them its not none of there dam business anyone has a right to protect them selfs I dont know these peple from adam is what I told My debt mgr :evil: :twisted: