Law Office of Richard Clark is calling me up. Should I send a DV?

"(B) in the case of a class action,
(i) such amount for each named plaintiff as could be recovered under subparagraph (A), and
(ii) such amount as the court may allow for all other class members, without regard to a minimum
individual recovery, not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector;"

Link: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

Hello All,
Would be a thought to do a class action suit on this Richard Clark guy for all the bad stuff they have done!
Let me know, I would join in.

Do I have to inform them that they are being recorded when I answer the phone?

Some states require you to inform them you're recording the call, others don't. You need to check for your state. We have to inform them in my state.

I all so have been contacted by the Law Offices of Richard Clark, was accosted by a female named Pe Nancynancy (yes 2 names) rude demanded payment. I spoke with them in November stating that I had not recieved a letter of demand. Stated that they sent it and that it was not there proplem that the postal service did not delevier it. Called again after numerious phone calls, stated I had not recievied the LOD, They stated that they sent one in Jan. still no LOD, upon my last conversation Mr. English (The ops Manger) said he would e-mail me one....Still no LOD. I stated my rights in FDCRA and they had violated my rights by calling before suppling a LOD. PEnancynancy laughed and said that that Act would not help me and they could care less about it...Check the FDCRA in your state, you have many rights. VOD, Contact numbers of the company who sold the account and the statement of there legal right to collect....I have used this with a company from Chase who would not or could not supply even the VOD. The left me alone......Stand by the FDCRA and your rights...

I just had these folks call for the umpteenth time asking for my boss, a prestigious Doc with the same name. If you google the name his will come up 100's of times so I keep telling him that but they don't listen or care. While the Doc has made 5 attempts to speak with these folks to tell them he is NOT the one that owes them (and I know that he's telling the truth as I pay his bills). So due to reading this forum I asked them for a "verification of debt" and they hung up on me. lol. Which PROVES they don't care who really owes the money. It's easier to harass folks and list that they made an attempt phone call. Bet he doesn't mention what I told him.

he is licensed to practice in the state of texas. ricky clark

Ever tried paying the money you borrowed so you won't receive phone calls from creditors. It's because of people like you who complain about phone calls from creditors.. When you don't pay your debt it effects everyone!! You people talk about fraud, harrasment, calling your friends and family well too bad all you have to do is pick up the phone and pay what you owe. Stop playing stupid when You when you know you owe the money. To me that is a crime it's called theft. YOU borrowed the money act like a responsible person and pay your debt.. It's real simple if you don't want calls from collectors from attorneys office PAY YOUR BILLS... How about that for a solution. Problem is that people open these accounts charge them up to the max and then can't pay well too bad sorry you don't understand how the credit system works..Stop being a part of the problem grow up act responsible and pay your bills.. People who don't pay there debt Paul are the true SCAMMERS!!! Can't pay ur debt how do u live, how do u eat give me a break get a second job losers

Hey all, do NOT listen to one inane word written by ertd. Seriously. All these morons do is come here crying about how people don't pay their bills. I can only surmise that they are in fact morons who can't read because I have yet to see someone come on here and ask how to avoid paying legitimate bills.

No, they all are collectors who whine and cry because more and more people are becoming savvy to the law-breaking the CAs do.

Here is a solution...how about the debt collectors actually act ethically and within the scope of the law to collect debt.

Ooooooooo here is yet another solution....debt buyers shouldn't buy out of SOL debt and then turn around and get whiny when they can't sue upon it.

People like you, ertd, whine and cry about people 'not paying their debts' and that they should follow the law...well guess what bucko? The law says you can't be forced to pay a debt if it is past SOL. The law says a CA HAS to validate debt and validate ANYTHING put on a credit report.

How about you cry about the law breaking debt collectors instead of real, honest, hard working people who simply want to be treated lawfully and to make sure they are paying the correct party.

You know what? People would be paying their debt if the debt collectors would simply follow the law and keep records of their own accounts..how can they even think about bellyaching about ANYTHING when they can't even produce one shred of proof that they are owed one bloody cent?


Chew on THAT for a while

We've recieved what appears to be a VOD by mail from the Law Office of Richard Clark but they don't have a signature of any kind, how do I know if it's legitamate? Even if it does have a signature how do you know it's a legit. signature? If we do a settlement w/ Richard Clark will our debt be cleared w/ CACH LLC and Collect America? Or will they come after us next? None of these law offices of 'whoever' seem legit. How do you know who is and who isn't? We are honest people who served this country and then searched for work for monthes and at that time were unable to make monthly payments....we understand we owe a debt but who do we pay to honestly have our name cleared?

Thank you I agree!

Do you mean validation of debt? What exactly did they send? You should not even be considering settlement until they can produce documentation that validates the debt. Sure, they can argue that the wording of the law is unclear on what constitutes validation, but you simply point out that were this issue to go before a judge, the documentation would have to be produced, not to mention if it did go to court and they produce validation they would look pretty stupid when the judge asks them why they did not provide it when asked for?

You may owe a debt but you also have the RIGHT to make sure the amount asked for is correct, that any and all fees are correct and that they are the correct entity to collect upon (or sue on) the debt. I mean really think about it....isn't it a good business practice (not to mention common sense) that a company should keep good records? It is the sole fault of the debt buyer if they bought an account that has no documentation with it.

You should do the whole process in order, as I mentioned earlier you should not even think about settlement at this point, especially if they sent you a bunch of useless papers and are trying to pass it off as validation.

1. demand validation (both of the debt itself and of the accuracy of the account reporting on the credit reports.

2. Determine if everything is in order (if the CA even bothers to validate correctly). Remember these are the key peices of evidence you want to see that would be upheld if asked for in a court of law: signed contract/agreement, last statement, something that shows proof the company is authorized to collect either on their own or for someone else.

3. If validation is proper then start negotiating a payment or settlement. This you want to do in writing. Always. A good rule of thumb is the older the debt, the less you can offer in settlement. A pay for delete is the best way to go because then the debt will be gone from your credit reports. A settled or even fully paid debt still tanks your score.

My wife got hit-up after the original creditor made a payment plan and simply stopped withdrawing payments.
Now Clark calls and offers a settlement. She's already agreed to do it via Western Union.
Is it too late to do anything without them pulling out and demanding a huge amount?

What is a CD letter, I need to know more

Cease & desist letter. Basically telling a company to not contact you further.

#63: send them a debt validation letter, do not pay or agree to pay ANYTHING until they can prove they are the correct people to pay. Also get any agreement in writing BEFORE you pay anything.

And you don't have to western union...send cashier's check or money order..NEVER pay directly from your account.

im assuming this is the same person that keeps calling me!richard clark i looked it up hes from texas!!i live in georgia!!he calls or some woman calls all the time no matter what time of day!!!i do have a bill that im behind on which is rooms to go which someone else took over i think ge money!!can they really do anything to me?when he leaves a voicemail he is so rude!my boyfriend answered the phone one day while i was at work and he was a total a** to him he said!!!!..... please if anyone has any info on this please let me know!!

I'm behind on all 5 credit accounts, after being diagnosed with stage 3
colon cancer. It's very expensive to get treatment, and Insurance did not
pay all of the $450,000 in surgerys, chemo, home health care, ETC.

I tell the collector that I have very serious stage 3 cancer and must pay
the people trying to keep me alive first.
They still yell, intimidate, and try to stress me out. I have told them I have no assets left, No job, and just a S.S. disability pay.
Will they ever realize I am telling the truth and stop calling? Even a bankruptcy (lawyer) is beond what I have. In my state the cost will be a minimum of $1600 plus... I don't have the strenght to go looking for agencys that may assist me at a reduced fee... No relitives, or friends in
my area anymore...
Will they decide the debt is uncollectable at some point?????

My wife received a letter from Richard Clark for a debt that was never validated by the original creditor several years ago. She sent a validation letter (RRR) with in 3 days of receipt of theirs. She did not receive anymore telephone calls; however, about 40 days later, they sent her a letter that stated "since you did not request validation.....blah blah blah". We then drafted a letter, made copies of ALL of the correspondence and forwarded them to them, along with the RRR (copies). They shot a letter to her threatening a counter suit if she sues and that their letter was a bona fide error. The funny thing is that they state in their letter that they had updated their data base to acknowledge her validation letter. LAWSUIT TIME. So much for their threat of intimidation, scare tactics and bullying. Already filed a complaint with the FTC and will be suing them, naming the original creditor, CACH, LLC AND L/O/O Richard Clark. I'll keep you all posted.

Quote:

Debt is a tragedy in America but, it happens and places like the Law Office of Richard Clark understand your not a bad person, however, they are not here to tend to your stories of how you got in debt or how your life went down hill or why you do not have the money to pay. There BUSINESS is to collect the money you rightfully OWE.. I owed $1200.00 they called me for months I always answered and told them not today try back. I finally just paid, I am out of debt they cleared my name and I feel better about myself. So, not to be rude but if they call you they understand if you do not have the money but you have options and they are:

1) Give them something to buy you a bit of time8)
2) Pay your debt like a good citizen:eek:
3) Payment Plan;)
4) Stay in constant contact until you can pay:rolleyes:

typical humanoid/shill post.this is a bottomfeeder deluxe.there must be a thousand ways to say pay your bills.you said it now get lost shill!!!!!!!!!!

The post above Paul is full of BS, not truth.

Ignore it.

In the state of Texas collectors cannot garnish wages but they CAN and WILL garnish your checking account LEGALLY if they take you to court and get a judgement against you.