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Hey,

Any help would be appreciative. I had in the past some online uncollectable gambling debts. (just looking for advice not ethical/moral advice) I had some checks that nsf'd to an online gambling site. They turned me over to Joseph Mann & Creed. Now after MUCH MUCH studying i have the knowledge that these debts are uncollectable. I have sent them the debt validation letter that stated all correspondence must be done in writing. I received another call today (did not answer got a voicemail) from them telling me they received my letter and they can verify the debts and I must call back so we can work this out voluntarily. I have logged this call and saved the message on my voicemail for further legal action if they get out of control. What should I do now... should I send a follow up letter regarding the debt validation and remind them they can only speak in writing to me and that no further collection attempts can be made until they validate the debt, should I answer the call, or should I just ignore the calls right now and continue to log each call. Thank you all in advance and I appreciate all your help here.




Joe--- just hope I made my point that I simply can't understand your frustration--these companies supposedly "LENT" someone money--if the money is legal it would be spent on legal transactions and not be coded as different transactions--NONE of this supposed "LENT" money you have been whining about Joe--and that people on this thread are disputing were ACTUALLY processed for legal transactions--now that's what should actually drive a person crazy--how these transactions are still going through the system and how your debt collection company thinks it's okay to threaten and intimidate others--hey JOE!! still goin crazy bout things ya keep lying bout?? come on back dude!!!! let's compare your made-up crap to real crap in the real world joe--get out of the toilet and move on to another thread that you think you can infiltrate please!!!!

Sub: #31 posted on Thu, 08/16/2007 - 23:33

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is Joe Smoe--the Joe of Joseph Mann and Creed? just wondering Jo?

Sub: #32 posted on Thu, 08/16/2007 - 23:39

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Ramj, ACH debit and a physical check are the same.. The only difference is the process to transfer funds from one bank account to another. Instead of presenting a physical piece of "paper" to a financial institue you are actually presenting a cripted electronic code that states the information needed to the tell the bank from which account monies need to be transfered from and to.. Now if funds are NOT available from the account that funds need to be with drawn and transfered to then it is offically considered a "NSF" electronic money transfer instead of a "NSF" physical money transfer. ALL BANKS charged a fee for "NSF" no matter if they are "electronic" or "paper", so to rebutle your statement yes they are the SAME!

Sub: #33 posted on Fri, 08/17/2007 - 05:48

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To still another guest...

Sorry I have nothing to do with JMC, like I said before you people just wine to much about someting that is your own faults!

Sub: #34 posted on Fri, 08/17/2007 - 05:52

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if you are simply a 3rd party who has no interest in the matter one way or the other--(and yet you seem to think you are an authority on the subject and everyone else here is wrong)--Time Magazine recent issue just had an article about how the Feds shut down illegal online gambling on a very popular virtual reality web site--(where people invent characters yet spend real money in virtual reality)--U.S. court reality is that on-line gambling debts are un collectible with ach debits --anyone who does research will find this out--and what I can't figure out Joe is that if you really don't care about subject--and it drives you crazy when you think people are whining about this--the easy solution would be===avert your eyes and get out of here silly willy!== Or are you just a glutton for punishment?== who thinks you deserve to feel crazy and beat yourself up repeatedly by hanging out on this site with a bunch of whiners you feel such anger and repulsion against?==why are you really here Joe? be honest for once! and if you are actually only sounding off that's fine--but honestly Joe take a step back and look at thread--you are the only one who has come across as the whiner Joe--everyone else is here to try and offer help and support for people who could actually use some kind words of support! :D

Sub: #35 posted on Fri, 08/17/2007 - 21:00

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also--your response to Ramj was absolutely totally stupid--ramj made the comment that ACH debt can not be prosecuted (THE TRUTH) --and you changed it up (or tried to) your company can not prosecute anyone and any threats you make costs you a ton of bricks!!! come on at least spell your words right if you are acting like the big authority pissed off at everyone who is so stupid and doing something wrong here --hey Joe??? Come on !! get real!!!!!!! you got pissed off and tried to piss up a rope on this one?!!!!!

Sub: #36 posted on Sat, 08/18/2007 - 00:33

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[color=DarkRed]Posts making personal attacks removed due to TOS violations - Mike[/color]

Sub: #37 posted on Sat, 08/18/2007 - 00:59

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[color=DarkRed]Posts making personal attacks removed due to TOS violations - Mike[/color]

Sub: #38 posted on Sat, 08/18/2007 - 01:11

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[color=DarkRed]Posts making personal attacks removed due to TOS violations - Mike[/color]

Sub: #39 posted on Sat, 08/18/2007 - 01:14

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If there IS a monitor, can you reomove the curse words are these posts? Please, that is not why I came here. I can stand on the street corner and read and hear this mess.

thanks

Sub: #40 posted on Sat, 08/18/2007 - 05:33

Lukeskywalker Lukeskywalker

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