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

i settled with frye over the phone for 100 less then what i origanlly owed and then they sent a check to my bank for the origanal ammount so and debt collector want to argue with me about that you can kiss my ass john p. frye collector are rude and jerk offs

MANY PEOPLE WHO ARE IN COLLECTS AT THIS OFF SAY THE SAY THING WIERD. THE MISTAKE WAS MAKE BUT DEMANDING $4700 IN 30 DAY WITH NO PAYMENT PLAN?????????? HE TELLS ME BORROW THE MONEY!! ISN'T THAT WHAT I DID IN THE FIRST PLACE. WHY WOULD I BORROW FROM ONE TO PAY THE OTHER??? I CAN MAKE PAYMENTS NOW BUT NOT FULL AMOUNT IN LUMP SOME, NOW!!! THATS RIDICULOUS!!!!!!!

I am currently dealing with this law office/debt collector.. And I don't know if i'm just one in a million but, the woman I am dealing with there (although it took me rounds of phone calls, number finding, and a while to actually get a hold of someone- then her) is probably the most pleasant AND helpful debt collector I have ever dealt with. She is patient, understanding, and willing to help me get the least pay-off settled amount that I can (my debt was for a loan of 4000, and I am probably going to have it taken care of for less than half of that- which is GREAT in my opinion). She did the back-and-forth with ACF, the company that my loan was placed with, and answered any questions I had helpfully- even the repetitive ones. Any other creditors I've spoken to have either been unprofessional or rude, impatient or obviously money-grubbing. So far, my experience with these guys has been a breath of fresh air... Or as much of that as dealing with debt can be.

my old lady works for john p frye should of not spent money you dont have...did u think that u wouldnt have to pay the credits back that u used...werent complaining when you swiped that credit card or put off a payment till next month..

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~JCEMT

volenti non fit injuria and unjust enrichment to john p frye. He risked his own money buying debts. say a $2,000 he paid $160 for. Then he trys to collect interest on top of the $2,000, say $700. he just made $2,540. That is unjust enrichment.

As for volenti non fit injuria, He took a risk and therefore can not sue over that risk.

Most he can sue for is what he paid for the debt if that. So tell your wife who works for him to stuff it.

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I just was contacted by John Frye for a debt, I don't know from whom but can't I wait for something in writing to come to me even before I call them back. Can they garnish wages or will I be able to work something out, I am a single mom who went through a divorce and I am just trying to get back on my feet.

They can't garnish your wages without a judgment. That would mean they would have to file suit against you and win. They are not required to mail you anything until after either A. Within 5 days of initial contact with you they must send you the standard dunning letter or B. You request validation of the debt in which case they must cease all collection activity until validation is produced.

What are these people? I have recived no letter in the mail or anything or even leave me a message on my cell phone. Even when a friend called for me they didnt leave give us information as to what it pertained too.
I was told to be careful in the 1st place cause it is a scam. From 2 people. Offical offices send notices and not beat around the bush.
They better check again because I paid off my payment on the last day.

We received a letter today from Frye Law office in Va. I called right away to try and find out what this is and why I never heard from Atlantic Credit. HSBC sold our account on July 25. We do have an amount owed and were making payments with CRI, the collection company. Then it was sold last week. Long story, yes we want to pay. It is a debt. We've had a rough year, gone through numerous loan apps to get the $ and denied due to current status. Now, this company said they don't set up payment plans. If I could pay 50% today then they would try and work something out. I'm in this situation because I don't have the money, obviously. Sometimes things happen and I've heard the whole "your a scumbag, low-life, who should pay their bills... blah, blah" I'll tell you, for 12 years we had it pretty good and then one thing changed and changed the course of everything. Now everyone in the credit world wants money and wants to tell me how "crappy" I am .. hello, the past 12 years, all we got were "praises".
Is this company legit? The secretary male said that they are preparing to send the account to an attorney in Pennsylvania to sue us for the money? Is bankruptcy the only option? We've tried to avoid this avenue but it seems the only avenue left? Any advice is helpful. I don't need the CA people on this blog to tell me what a low-life I am .. everyone has a rough patch .. this is ours. Thanks

Welcome to the community Baby Girl.

I understand that almost everyone comes to point in their life where things seem to spiral out of control, it doesn't make you less of a person. If you could please answer the following questions I'll try to assist you as best I can.

1. What type of debt is it?
2. When was the last time you paid on it?
3. What state do you live in?

It is a Mitsubishi credit acct through HSBC, last payment was made to CRI (collection for HSBC) in amt. of $600 May08. We stopped making the payments of above because they sent us letters within 2 days of each other stating to pay up 2495 that month and every month thereafter or HSBC was sending it to charge off. Then the following week we got the notice to pay the 600 fee we agreed to. I tried to pin down the collection company to put in writing that they weren't charging off if we sent the 600 because of the previous 2 letters; it was all conflicting information. They wouldn't and we didnt' send $. We couldnt pay almost 2500 ea. month?
Sorry, little background. Now it is with this Law Firm Guy? We live in PA. BTW, ea. month we made what we thought was interest free payments to CRI, HSBC sent a statement and the $ was only paying interest. Trust me, we want to pay the credit card account but no one can set up payments.??? Now a lawsuit? HELP, I am going nuts trying to get this resolved and thanks for being kind. We are good people who had a situation change.

The best advice I can tell you is to pay what you can, if it goes to court then you can show your income and expenses along with the payments made to the account and the judge will see that you are doing what you can within your financial means which will look very good on your part.

One thing I was curious about, where did the CA get the figure of $2,495 from? Was this back payment?

Is it J P Frye, John P Frye, Law Office, J P "FREY"? These are all names coming accross our caller ID. As well as "unknown" and "private". These 6 names came across our phone in as little as 5 minutes. Not only once, by the way. Like the other stories I have read today, this company doesn't give up and uses illegal tactics to get money now, and in whole. It didn't work with me so I hired an attorney and this attorney said "in one message I played for him, "Frye" violated 3 rules." So we are now filing a complaint in court and the phone calls have stopped!!!!!!!!! something for you to think about Babygirl

Thank you all for the input. For Mr. Mediator, the CA for Best Buy (CRI), to the best of my "small brained configuring" I think the 2495 was the split of the 24,000 we owed and they were trying to get in in 10-11 months. Like I've said, we owe the money and were paying 600 p. month to try and catch it up, we believed it was interest free, because that is what they said until I wouldn't give them access to our account with 5 post dated "electronic" checks.
Just came home today to find a message from "Brenda" emphasising that she was calling the "Law office of John Frye" and I needed to call her ASAP. I returned her call, no return yet. The man person I spoke with Thursday told me I had no option but to pay in full or 50% w/ the possibility of working something out. I am def. going to make some phone calls and see if this company is legit as far as for harrassment for $. One ques. If I send them say $100, with no payment arrangement, do I see if they take it? I will definetly let you know if I get anywhere, I am sure "Brenda" will call me tomorrow and everyday after. We have staved off filing BK because it seems unnecessary with this company and the mortgage company we are having issue with? Is it the only option if they don't accept $? We have never been in this situation and it is such a harrowing experience.

have you thought about consumer credit counseling? not the pay crap but your local non profit ones?.. it sounds like you just need a little assistance to get things organized.

How do you find a reputable one? The one's that won't "work you over" and will actually pay the bills with no up front or substantial monthly costs?
Additionally, Brenda Fox called this morning from the Attorney office and transferred me to a "manager" who said I had no options because I mentioned bankruptcy counseling and now I "tied her hands". She said I need to find a loan because I wasn't exercising all of my options because I didn't contact citifinacial or american financial to get a loan to consolidate all my loans. She also recommended that since all of my other accounts were in good standing (she was reading off my accounts from a credit report she pulled up), that we should defer our loans to pay up on this one. I called my bank and they said they don't do that for a year like "Cindy, the manager" suggested.
I am so lost because I offered the same $600 per month arrangement and she said it wasn't an option and my account was on a high-risk, probability to go to a lawyer for suit in my state. We will see??

DOES ANYBODY KNOW THE MAILING ADDRESS FOR JOHN P. FRYE?

I just a call from phil at J P frye, and he left a message. But he did not say why he was calling.

I have the Law Office of John P. Frye P.C.
PO Box 13665
Roanoke Va 24022-13665
or
Law office of John P. Frye
PO Box 11767
Roanoke, Va 24022-1767
don't know the difference between the two.

I think I posted wrong once, what is the magic that apparently occurs when you mention bankruptcy or BK counseling to these CA or law "representatives"? I suddenly had "tied her hands" because I mentioned it. In one of the earlier blogs I read about someone mentioning BK and then "wink wink for those of us that know" . What does that mean?

Babygirl, check out nfcc.org. They have member agencies who are non-profit Consumer credit counseling services. You can find a local one in your area. Most will do an initial free counseling session over the telephone. If you are a good candidate for their program, the fees are quite small. However, I don't think all creditors will work with them, and these guys don't sound very reasonable, so I don't know. . .

I consulted two different CCCS agencies, and they both told me that our income wasn't sufficient to be able to pay our creditors, so they were at least honest with me.

If you do need to consider the BK option, most attorneys will give a free initial consultation. Just remember that it is their business to file bankruptcies, so they may recommend it even if it isn't the only option for you.

You could just try sending in your payments and see what happens. Most of these places won't actually sue you as long as you are making payments. They may just be harrassing you because they think you can come up with more money than you are paying. I had one CA tell me that he was looking at a copy of my credit report, and obviously I could pay him because I still had an open Chase account that I could get money from. (I didn't, but that didn't matter to him--he thought I did.) If they actually do file suit, you can always decide to go the BK route at that point.

babygirl
if you are being harrsed by ca's get ahold of krohn and moss, ltd. stopped all calls now we are suing them

Ok so I have been getting calls from The Law Office of John P. Frye for about a week now. They never leave a messege and they are calling 8-10 times a day. They said that my Best Buy account was sent to collections and the collection agency didnt get a response from me so they turned the account over to them. I was enrolled in a debt managment program but we got out of it in June. JPF is saying no payment had been made on the account since January and now unless they receive $2,900 they will be filing an action against me (in the state of Georgia) by the end of this month. I have not received any paper work from them or from a debt collector before this. They said I had to pay a down payment of $293.67 to keep the paper work from going through until the end of this month. I paid the money because I know I owe money on the account and I want to resolve the issue, but I dont know if how they are handling this whole situation is "legal". Can someone please help me!

Rue

Send them a DV letter CMRRR, include a limited C&D letter advising them to stop calling and all contact should be in writing and by US Mail only.

I was getting calls from JPF also about a debt that they said that I owed. They called me for about two weeks straight 10 or more times a day. I did not send them any money. I sent them a DV letter via CMRRR, and specified that they stop calling and that they should write to me instead of calling. It's been about two weeks and I have not heard from them again. I don't know if there gathering all the info I asked for or if there going to sell my account to another CA.
I recommend that you send a DV letter before sending anymore money.

You are correct about their timing. I know that I had a Capital One Account, which I tired to make good on, but to no avail. Out of the blue, I got a letter from Mr. Frye's Office indicating that they were collecting for Atlantic Credit and Finance. I had never heard anything from ACF either. Went right straight to Frye. I sent a DV letter, and am still waiting to hear back. I am about to send another one, CMRRR in today's mail. Wait and see I guess, again.

llw1995

I never heard from Atlantic Credit And finance either. Until I got the phone calls from frye. How long has it been since you sent your first DV letter?

Actually, I never heard anything from anyone until I got the letter in the mail from one John P. Frye. I immediately called their office and was met with an extremely rude employee, screaming and yelling, telling me that she didn't care what I did they would just sue me. Well, always wanting the last word, I told her fine, sue me. Slap **** went the phone. I tracked down an email address for the CEO of ACF, John P. Frye and the Customer Complaint person and I sent off my C and D letter via that mode, in order to expedite things. I haven't heard word one since that time. In the meantime, I became privy to info, via an ex employee, that ACF is actually owned by Cargill, Inc., by 51%. Another interesting fact. when I tried to mail a copy of my C and D to Mr. pain in the butt Frye, the post office couldn't do it with the address I was using, which came directly from Frye's letterhead. The PO Box was legit, but it was not attached to the zip code that was given. I asked the post office to mail it to that PO Box but use the correct zip code. My question now is, by using a bogus zip code, would the mail not be delivered and somehow negate the 30 day window to ask for the identifying/qualifying info? I was told by the post office that it could take weeks before the mail found it's way back to me if it was undeiverable. I just recently sent the C and D CMRRR so I will have to wait and see what happens. It will be interesting to see if the PO Box is affiliated with Frye's office or if it will be returned as a "wrong address". I also indicated that a copy was sent to Cargill. These people do not play by the books, which is evident by the fact that they skip the collection agency and go straight to Frye. Personally I really don't care what they do. If I get a summons, I go to court. I will bring all my info with me. I will let the judge deal with it. Just make sure you keep receipts of everything you do with this slick operation. I'll keep ya posted on what turns up.


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

Well, I have read your posts, as I've posted on earlier strings. I sent a certified Letter for DV, and on Monday, it will be 30 days. I have heard nothing, I know it was received because it was signed and returned. Ironically, the phone calls stopped the day they signed the letter. I also received notification from the original creditor that they sold the account to ACF, dated the same day John Frye signed the certified letter. So, I guess at this point I wait? I don't know what else to do. I don't want to contact the Frye office again since I did and they said, in so many words "come up with the money or we'll sue you"!
I want to pay someone something; only I want it to be legit and actually arrange a plan since I did that with the original creditors collection company, CRI, until they charged off the account. I am frustrated and have tried for a year to avoid BK, but looking like the only option left to settle all of this mess (I also have a house that won't sell). Any insight, anyone???

I had sent my DV letter via email to both JPF and ACF. I never received any phone calls from either of them. I then sent a hard copy of the DV to JPF and it was signed for just recently. I am willing to bet that the debt was bought for probably 10% of what it was worth and I have a really hard time giving 90% of that debt to someone who is not the original creditor. That is why I asked for several things prior to agreeing to anything. So to answer the question. . . .waiting is probably all that is available. I suppose a summons could show up and if it does, don't ignore it. That is exactly what they bank on. They will win by default if not answered. Good luck and keep us posted.

I used to work for ACF which is or was John P Frye, if you want inside info on what you can do, please let me know.

any info would be good. I have no communication. I know the DV was signed for. I will wait for the "summons" as threatened by their staff for lawsuit and respond.. I am not going to let it go if they paid 10% for the debt and wanted 95%

I think the worst part of all of this is that once your debt gets charged off and sold, alot of the options you had before are now gone. You can still settle your debt with ACF but remember if you get mad and mention something about a law suit the collection agent can no longer talk to you and your case is then turned over to legal. If i am correct and if you have a lump sum you can settle for as low as %60 percent even after your debt if charged off and sold to acf. I would not wait for a summons. The last thing any of you want at this point is something to go to court. That can tack on something like 5000 to your debt. This is how debt sales works. Everything goes from the last payment you make to the credit card company. Then after that there is a ticking statute of limitations on a company being able to collect that debt. Lets say you last paid your credit card billed in January of 2008. In Virginia the statute is I believe 3 yrs. In Kentucky the statute is something like 12yrs. Meaning a company has twelve years to collect that debt in any legal way. There is also an amount of debt that each state has set that a company can sue on, some states let a company sue for as little as $800(WV) and some state like California are alot higher $2000 i think. So you need to find out what your numbers are in the state you live in. Because if your debtor is low and you last payment statute is about to expire I would avoid the debt buying company because they can do nothing to you after that. Your credit might be screwed but it probably is great already. But i would not get attitudes or angry at these people because if you want to pay, ask to make payments, and MAKE your payments. If you want to settle then borrow money and settle for 60 %. DO NOT LET them take you to court because if they get a judgment against you, you can have your wages garnished and that is the last thing someone who has to put food on the table for their family wants to happened, because that will be something like 20% out of your paycheck before you even see it. If you want to make some time for yourself. When someone calls you mention the words Fraud, or Theft in the phone call, because as the employee is talking to you they are putting notes in the computer in your file with those words. And sometimes ACF will use a word filter in their case and they will get rid of all the cases that get caught in that filter. But that is a long shot. Also you could blame your kid because ACF does not prosecute minors nor do they prosecute someone drawing social security because you can not garnish that. Also there are more debt friendly states than others, like texas for instance, look up the homested act, i think. Anyway, i will check back with you, ask me anything.

I called the company as soon as I got the letter; they wanted me to pay immediately the amount I owed to HSBC. I knew that they didn't buy it for that, why would they? I tried to make arrangements because JPF said that ACF bought it and gave it to them immediately. I have yet to hear from ACF. So after 4 days of phone calls and threats to sue and I mentioned that we talked to a BK lawyer, the woman "Cindy" a manager I was transferred to from Brenda Fox, said I had tied her hands. They offerred me the payoff at 20% less than I owed HSBC. I immediately sent a DV letter, certified, which they signed for and as of Monday, it has been 30 days and I haven't heard word one. So now what? Is it now going to an attorney in my state for lawsuit? I have no way to get a loan to pay anything so they really have me bent over a barrell so to speak.

they will check all the paticulars of your case(ie make sure the statute is fine and make sure the balance meets the state requirements and then they will send it off to an attorney in your state. That attorney will look further at the case, probably pull a credit report and see if you have bank accounts or own property or find out where you work. If they get good info, then they will sue.

Just got a response letter from ACF .. didn't say much except that they received the debt from HSBC and the amount I owed HSBC and the last payment date. How do you get them to tell you what they paid for the debt?Would they really pay the full amount to purchase a charge off? Is HSBC bound by law to tell me what they sold it for if I call? Is is legal to keep it a secret? Now what?

They don't have to tell you what they paid for it, and they probably won't. They undoubtedly purchased it for much less than the full balance though.

Guest. . . I have a question. . . . how can an ethical business like Cargill, align themselves with such an unethical company? Are they even aware of how ACF and JPF do business?

I have just been on the phone with JPF. They are the rudest people I have ever dealt with. I cannot get anywhere with them. They are demanding a payment in full or nothing. I have been making payments to the company I owe and they have accepted the payments but tell me they will forward them to JPF. JPF has been calling me 10 to 12 times a day. Any suggestions?

I just called the Virginia state bar and John P Frye from Roanoke is not a lawyer. Plus if he was a lawyer in Virginia means nothing if you live in another state.

JPF and ACF purchase debt in a portfolio and it cost them pennies on the dollar compared to what you "owe". And I have to say as bad as it and I turst me I have credit card debt too, ACF does have attorneys and other people employed for them to make sure they are in compliance with the laws. I hate it as much as any of you.

If you are making payments to a company that has already charged off your debt, you better get receipts or stop. I mean that credit card company does not have your debt anymore. I wouldn't trust that they are forwarding your money to ACF. Credit card companies are not that nice.

And in terms of ACF being rude? Well you pretty much only have to be breathing to be a debt collector, you don't have to be nice, don't expect it.

I got a call from this John P Frye stating that they are a law firm. They told me they needed the amount owed in full. I said I couldn't afford to pay it & she proceeded to tell me that she knew that I have a car loan at my bank, and I can get them to deffer my payment. My question is: are they suppose to have that type of information? Could someone PLEASE help me with this?

They can look at your credit report if they are collecting and they do to get information. Don't talk to them on the phone, simply tell them to expect your letter in the mail and hangup. Send them a DV letter with a partial cease & desist, basically telling them they are no longer to call you at all, that all correspondence will be through the USPS.

:oops: John Frye does have a bar license in VA, if you need to see for yourself vist MARTINDALE.COM, you can find his bar # below. John Frye can & does sue in the state of VA, they will send the debt to an atty in your state (as you can read in some of these postings, it does happen). Yes they do purchase YOUR bad debt for less, but come on, YOU spent the $ so YOU owe every penny, even the extras you signed up for (interest, late fees ect). I don't know why people cry about the phone calls you get (I get them), you owe $ for something you took home & enjoed, you did'nt pay for it, now you want to complain! I know it is annoying, but you have to own up to your responsibilities & pay the debt. Everyone in the US is going thru the same economy problems (including me) (high gas prices, mortgage, car, food, kids I can give every excuse) but I have to pay my bills also! All I am saying is, this is America, you borrow $ you have to pay it back, Lets stop trying to run from it & deal with it. The law states that they can call our jobs until we tell them to stop, they can call us 8 times a day or even more, they can ask where you are & try to find you, they can demand full balance to be paid because you defaulted on a contract that you signed, that I might remind you to read the fine print, that said full balance would be due in full once it has it has been defaulted on! I'm almsot certain that once you send in a C & D letter, red flags come up in the office of John Frye, & most likley your debt will be sent out for suit, which I should remind you again, he does'nt have to practice in your state to sue, as long as it is sent to an atty within his network (which they have in every state). So lets be up standing citizens, be adults & pay for you bills, I don't want to pay higher taxes because you are trying to find a way not to pay! Now I'm going to talk to my creditors to get them off of my back!
John P. Frye
Roanoke, Virginia
(Independent City)
Visibility Rankings
#128 out of 587 lawyers in Roanoke, Virginia
#122,689 out of 889,357 total lawyers Overall
Experience & Credentials
ISLN 909599490
:oops: :oops: :oops:[color=DarkBlue][/color][color=DarkBlue][/color]

That is all fine and good, but where is your pretty speech for when this Frye collects on bogus debts, or illegally adds interest and fees (that were NOT in the contract) or even just trying to collect upon debt that has already been paid?

I am so sick and tired of hearing 'pay your bills' and 'you took money so pay it back'. It is getting so very old. Where do you even get that we don't? Where do you see that anywhere on here? The majority of these posts are about dealing with collectors who act illegally, and for debts that are NOT owed. So how do you translate 'not my debt' to 'I don't want to pay my debt'??

I wish you guys would read these posts rather then just skimming them, then maybe you wouldn't sound like such a moron.

you know they don't golden,know why?because that is what makes a troll a troll.they either work for this bottomfeeder or know somebody who does.they never let the facts get in the way of a good bunch of stupidity.

Well said!

I was going to point out the sames things myself GoldenBast and PaulMergel, but I figured it would just be a waste of energy. The "Pay Your Bills" weasels that come on this site obviously don't read any of the posts on here.

Or, more likely, don't comprehend the posts they do read.

In the year I've been coming to this site, I have never seen a serious posts from someone advocating not repaying a debt that really does belong to someone. I have, however, seen posts advising people how to deal with CA's harassing them endlessly, violating the fdcpa, filing frivolous lawsuits, making a travesty of the legal system, and even trying to make people pay off debts that do not belong to them or are overinflated.

I could be wrong about this, however, so I'd like to challenge Tabby to locate a post from that seriously advised someone not to pay a bill that belongs to them. Please.

As for whether John Frye is an actual attorney, or not, who cares? CA attorneys break the law (the FDCPA) just as much as regular CA's. I think there was a link published in this particular thread that leads to information on John Frye being sued for FDCPA violations. Personally, I have never had an experience with John Frye's office, so I can't say one way or another how his staff behaves. You can bet, though, if I did have problems with him or his staff (IE FDCPA violations) I would certainly make them known on this forum. I would probably sue them too, depending on how egregious and numerous the violations were.

But, again, I have had no personal experience with his office to date.

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No, I do pay my bills, I do fall behind (who in this world does'nt), I have no credit card debt beacuse of things like this (I own not one credit card !), I have emergency rooms bills, I have fallen behind on my electriity, However I suck it up & pay (I talk to the peolple & get things taken care of!!) I just have a problem with people who say John Frye is'nt a real atty or his people are all beaking the law, yes prob. a few do, however what company does'nt have problems! I just have a problem with things such as this. I don't have credit cards or credit, because I know I don't have the $ to pay it, so I made the decision not to get things I can't afford! If I fall behind I get a second job, if I get behind I find a way to pay, I don't bash the people who are calling me trying to collect on a debt that I owe. I know from doing my resaerch that Atlantic Credit buys bad debt (that people have defaulted on) & places it with Atty John Fryes Office to GET THEIR $. I do know that their are NO fees that are added once Atlantic Credit buys it, it is all interest & late fees from the person not paying the bill. If people would take time to do their research, I have read on these things, you would find this out yourself. The law suits he has had against him has been from his collectors violating the law, NOT by adding any illegal fees or interest (by the way if U have paid the bill, then U should have a letter showing so, that would prove that U paid it, just send them the letter & get them off your back). If you do find a law suit stating that he is trying to make someone pay a debt that is fraud or added any illegal fees to it, find one PLEASE post it & let people see the REAL truth!.....Paying a debt that does't belong to them as above has said.... I have read many on here of how to get the calls to stop or how to send in a letter so they can not contact you... (ex: They can look at your credit report if they are collecting and they do to get information. Don't talk to them on the phone, simply tell them to expect your letter in the mail and hangup. Send them a DV letter with a partial cease & desist, basically telling them they are no longer to call you at all, that all correspondence will be through the USPS. by goldenbast) what is that called .... avoiding the issue that you owe a bill, or pro longing the situation, if you really feel that you don't owe the bill then yes send it, but don't use it just as an excuse....again please find a REAL lawsuit where he has sued or tried to collect on a debt that has been fraud or illegal fees added.... The atty thing, whether he is an atty or not, there is a post or two on here stating whether or not he was a REAL atty,(ex:I just called the Virginia state bar and John P Frye from Roanoke is not a lawyer. Plus if he was a lawyer in Virginia means nothing if you live in another state. from Guru)( another post: 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 by Vegore)... Just showing U proof that I did read the post & I am correct as to what I read!..I just wanted to get the facts & post them! All I have to say is that people have jobs to do, yes it is a very stinky job, yes people say things they should'nt, but when you have people that will not pay their bills, things happen, & yes threre are consequences to pay. Yes thats why Law Suits are being brought against his law firm. I wish people woud spend more of their energy trying to find out how to pay their debt then getting on here & trying to find out how to avoid it! (ex: 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. by GLW)
what is this called ....not wanting to pay for what U spent...Who cares what they paid for the debt, you walked away with the merchadise knowing what it cost, signing your name stating that you would pay for it along with their interest & fees, also that you would accept FULL responsibiltiy if you defaulted, so why should you not pay the full balance, that sounds to me like "Stealing".."Wink Wink" threatening BK just so you don't have to pay for what you said you would!!...I will wrap it up by saying "I feel as many Americans do, this is a country where we have the right to borrow $, all I want to see is people pay it back" I will say "if you don't like the collection calls, pay & get them off your back" Keep sceaming & trying to find ways to place the blame elsewhere, I don't have time for this kind of behavior" Enjoy yourselves!!!!!

Oh Tabby, Meow, Meow..