National Enterprise Systems: How to deal with this debt collector

They contacted me tonight and immediately threatened me with litigation. The man was speaking to me as if I were 5 years old, which I do not take kindly to in particular, so I basically told him to go ahead. He suggested that I try first to get my mother to pay it off for me, then suggested I use the refund for my student loans..when I told him I hadn't received them yet he said I ought to see if I can get an "Emergency Return"..which in all my dealings with university financial aid I have not heard of and then suggested I take out a personal loan. I told him to do what he has to do...I even suggested to him that it would probably cost him less to just let me make long term payments since thats what the courts are going to do anyway but he just wanted the money TONIGHT. Well, I don't have it tonight... so he won't be having it tonight. Besides, I refuse to deal with condescending people.

Was this the first time you where contacted by this company? Have they ever contacted you in writing?

After the initial contact by phone, they must send you a letter in the mail about the debt within 5 days of that phone conversation. If you do get that letter, you should see a 30 day dispute disclosure. You will want to respond to that with a debt validation letter and that should put a stop to them.

If you have been contacted in writing in the past then a debt validation letter will do no good, it is only good within the 30 days after initial contact.

Use this and format it to your needs and send it certified mail return receipt requested. DO NOT sign the letter. Type your name.

Your Name
Your Address
CITY/Town, STATE ZIPCODE

Date: March 9, 2005



Collection Agency Name
Address
CITY/Town, STATE ZIPCODE

Re: Acct Ref. # XXXXX and XXXXX

To Whom It May Concern:

This letter is being sent to you in response to a alleged debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
.
What I need you to provide as the debt validation is as follows:
1. What the money you say I owe is for;
2. Explain and show me how you calculated what you say I owe;
3. Provide me with copies of any papers that show I agreed to pay what you say I owe;
4. Provide a verification or copy of any judgment if applicable;
5. Identify the original creditor;
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent
9. Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law.
10. Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
11. Copy of the original signed loan agreement or credit card application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent

I will not hesitate in bringing legal action against you for the following:
1. Violation of the Fair Credit Reporting Act
2. Violation of the Fair Debt Collection Practices Act
3. Defamation of Character

If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

It would be advisable that you assure that your records are in order before I am forced to take legal action.



Best Regards,

Has anyone successfully settled with NES? If you send a cease & desist leter will they send you a settlement offer in the mail?

National Enterprise is calling me every 2 hours saying I am being sued. When asked to prove it's me they give a bogus SS#. When they are conviced I am on to thier scam they hang up. James Bell and Mark were the last to call me. Reliable adjustment does the same thing. The scam is that they hope you will pay someone elses credit card that has the same name as you by paying over the phone. NEVER PAY ANYONE THAT CALLS YOU FOR ANYTHING. ONCE YOU DO, GOOD LUCK TRYING TO GET YOUR MONEY BACK. But even if you don't fall for that, they will annoy you with constant attempts once they have you in thier system.

I'm going to attempt a small claims suit. They don't care because even if I get a couple G's, that fails to compare to the hundred's of thousands they collect from good payers to pay bad payers bad debts.

I look after my Invilant Mom's finances, We have never given NES ANY banking information, I have never even heard of them before today, But, I checked our bank account this morning and National Enterprise had taken $575.00 out of our acct !! HOW could they get our banking information??
I went to my bank, the "Fraud Division" is investigating this, Isn't it Illegal for them to just get our info somehow, (Hacker I guess), and just TAKE it out? That was Mom's rent money, Now She has to pay a "late charge", plus it doesn't make her look good !!
I agree that NES should be "Shut Down" for Illegal business practices !!

hey i have had problem with nes to i has a chase acc with them and talk to some a hole name scoot or some thing like that but there was another guy i talk to his was camren or calvin some thing like that but he was really helpful and nice he was the only one i talk to who act like he got some since i think his ex was 1322 if u got a chase acc i would try talking to him but screw that scoot guy

Calling 3x a day every day IS bordering on harassment. The BEST way to deal with that is to send them a limited cease & desist with your DV letter, informing them that they may NOT call you, that all correspondence shall be by united states mail ONLY.

That solves that problem, since if they violate that, you can sue them.

:lol:

feeling articulate guest?i have a feeling you are a turnip that works for this bottomfeeder.

No paul im not a turnip who works for this company...it was a typo. I have successfuly sued this company. I suggest that's what most should do. Paid me and my attorney fees. Pretty nice. THANKS NES call ANYTIME!!!

NES CONTINUES TO CALL MY JOB ON A DAILY BASE ABOUT MONEY I OWE FOR A CREDIT CARD. FIRST THEY SAY THAT I HAVE TO HAVE A CERTAIN AMOUNT, AND WHEN I SAY I DON'T HAVE THAT, THEN THEY CHANGE IT AND SAY THAT CAN EXCEPT ANOTHER AMOUNT. THEY ALSO SAID THEY WOULD TAKE ME TO COURT TO GARNISH MY WAGES, BUT LIKE I TOLD THEM I DON'T HAVE THE MONEY AND THAT THEY CAN'T GET WATER OUT OF A ROCK, I WILL PAY THE MONEY WHEN I GET MORE HOURS OR A BETTER JOB, BUT RIGHT NOW MY FIRST PRIORTY IS MY MORTGAGE

NES CONTINUES TO CALL MY JOB ON A DAILY BASE ABOUT MONEY I OWE FOR A CREDIT CARD. FIRST THEY SAY THAT I HAVE TO HAVE A CERTAIN AMOUNT, AND WHEN I SAY I DON'T HAVE THAT, THEN THEY CHANGE IT AND SAY THAT CAN EXCEPT ANOTHER AMOUNT. THEY ALSO SAID THEY WOULD TAKE ME TO COURT TO GARNISH MY WAGES, BUT LIKE I TOLD THEM I DON'T HAVE THE MONEY AND THAT THEY CAN'T GET WATER OUT OF A ROCK, I WILL PAY THE MONEY WHEN I GET MORE HOURS OR A BETTER JOB, BUT RIGHT NOW MY FIRST PRIORTY IS MY MORTGAGE

NES has been calling me - at work - for two days now, trying to imply that I have been involved in an auto accident and that I need to call them immediately to straighten this out (they said they were the "accident investigation division.") They claimed yesterday that a legal claim has been made against me and that I needed to respond immediately. Of course, no such thing has happened. This is illegal, isn't it?

I got a call from NES about a debt that I didn't know hadn't been paid. They demanded the $1674 that day and refused to work out any payment arrangements with me. I called the company that placed the debt with them and they told me they are not allowed to garnish. I reported the phone number and the extension of the person I spoke to and they were going to file a report with NES. I refuse to talk to them on the phone and I will be sending them payments biweekly. They are the rudest collectors I have ever dealt with and they will be reported to the BBB when I am finished with them.

Well, when you lose your job while having a credit card balance of $1500, which then balloons to $6000 due to overlimit and finance charges, is that a fair debt?

Right now, I have been trying to negotiate payments with my creditors, but they want monthly payments of no less than $800 which in not within the realm of possibility. They refuse to negotiate at all.

They made threatening calls at my job and threatening violence

My mother co-signed a loan for my oldest son for school that he droped out of, they set payment up for him and he didn't pay it (don't ask how I feel about him right now it's not nice), she was not given the same option. It went straight to collections along with the harrassment calls. They have spoken to my 2 15 yrs old sons my husband and myself they have even started to call my work. Our names are not on this loan. They have thratened to take my mothers house by the way I have the origional paper work, they are trying to say that she put the house up for this and this I know is not true. My mother is 73 yrs lives on a fixed income. Yes we have had the yelling matchs and even more so when I sent in a payment to show a payment in good faith but it wasn't the amount they wanted and called and said not to send in any more payments (have it on tape). What can I do now?

I just got off the phone with a lady that gave her name as Amy in regards to a debt the my son owes (not my debt). She identified that she was with NES but now who she was collecting for. She yelled and screamed at me to which I politely asked her not to do. She kept screaming something about a Universal something Clause. I asked her if she was trying to tell me if the debt was mine. To which she replyed according to the clause I was responsible. Finally a gentleman by the name of Richard got on the phone. He asked me if I was going to pay this debt, if I had the money in the bank. I told him that it was none of his buisness how much money I had in the bank. I told him that was not refusing or accepting anything. My question is how can these people call and harrass us like this? How can they be mean to me when it is not even my debt. Richard told me that "Your son is a liar, he threatened a law suit. From what I am seeing on Fair Collection Practices Act is NES is breaking laws. I am going to file a complaint with the BBB right now.

Loan is in default. NES wants full payment within 10 days. Says will file legal proceedings. Requested paperwork, told couldn't do that until agreed to pay in full by end of month. Can they take actions? If so what can they do? Own home but not free and clear. Any help appreciated.

All the automated messages are illegal. Per FDCPA and the case of Foti v. NCO Financial Systems - even automated messages as well as messages left by a person from a 3rd party debt colelctor must state who the call is for and have a disclosue in the course of the message to advise anyone who is not the debtor a chanceto stop listening. Then it is to proceed with the nature of the call being to collect a debt, no other infor allowed to be given - i.e. casenumbers, legal terms, ramifications, or any sense of urgency) and the identity of the company and the call back number. You can contact a lawyer. Also it is against the law for a collection agency to leave more than 1 message per day per debt. If a colelction agency leavs a message at 8:30am then it is technically illegal to call back at all for the rest of the day becuase that is considered as legal "debtor contact". If you do want to consult a lawyer, be sure that keep all recorded messages and phone logs of when their "unkown caler" status shows on the screen. If you do happen to talk to someone on the phone don't give in to any demands and record the call. WARNING! If you do record the call be sure that you live in a 1 part state - that means a state that only one party has to know about the act of a recording. If you live in a 2 party state then you shouldadvise the person on the end that you are recording the call. Most judges arepretty lenient if you record a call from a debt collector, even if you don't state that pupose, but you never want to take your chances against these slimeballs.

This company would probably call the president because they do not check the information they have. They only work normal working hours, but call 7 days a week including holidays with there automated system. Anybody who uses this company should think twice before they find a lawsuit at their door.

Got my first call from them today. Caught me off guard. Plan to be better prepared next time. They did threaten to move forward with legal procedings. They were telling me all the different way I had the ability to pay, yeah right. Next time I plan to record the conversation and will tell them I am doing so.

It's easy to say, "hey you bought it, you pay for it", but sometimes the creditors make it hard to ever get out from a big balance. Case in point, say you owe $10,000 at 8%, and you're making payments of $250 per month. You're paying some principal and interest. Say you're late one day on a payment, now your rate can be 31.99%, meaning the interest alone each month is now nearly $300, and your minimum payment is going to be considerably more than that. If you can't afford that, then the account will accrue additional late fees, your available credit will be reduced, so with each late or missed payment, you will also be charged an over the limit fee. This can take your true APR to around 40%--all totally legal for the National Banks to do. Usury laws do not apply. If you don't like the terms, all you can do is pay the debt off in whole, otherwise you can spend many years paying $500 a month or more to pay down a $10,000 balance. Think of it, afte 20 payments of $500, you will have completely paid off the principal, so if you still owe, say $7000, then from there on you're just paying interest on interest, and the bank has you. This is why credit card reform is so necessary, to prevent the banks from continuing to employ such predatory lending practices.

Actually, it's why people should get smart enough not to take credit cards in the first place. Before runaway credit offerings, department stores, for large purchases, had something called - remember this concept? - the LAYAWAY PLAN? But no - not good enough, people want it NOW, they don't want to wait and pay on it at a low (to virtually no) interest! Oh no!

One cannot lend to one who will not borrow...

Somehow this company got my phone number and calls me everyday trying to collect a debt from someone else. I tried to call them back and they just hung up on me. Anything that I can do to get them to stop harassing me for another persons debt?

NES left a message on my voicemail. The idiots were calling the wrong number and left personal information about the person they were trying to reach on my voicemail. It was actually for my neighbor. Not sure how in the heck they got my number for my neighbor. our phone numbers are nothing alike nor our names. we just live on the same street. they stated who they were (caller name and that they were from NES corporate office), the persons name and date of birth (my neighbor) and that they were retained to "reprimand" her by the County (I wont name the county we live in here). If she wished to not be reprimanded, she needed to give them a return call.
What idiots leave a message on a voicemail as I do not put my name or number on my voice message as I am single. And I did call back and leave them a message and told them they had called the wrong person/number. they were rather rude.

I have received nothing in writing from this company just a phone call with a threat of attaching my bank account . They also offered to lower the amount and wanted a $ 10,000 payment today. They really are very RUDE. They all said that they were going to sue me in Civil Court. Can they do that ?

Help ! Help !

National Enterprise is threatingto attach my bank accounts. Can they just do that with out giving me notice. I have nothing in writing from them. Please reply.
Thanks

I'm a college students who isn't working just going to school. I get a phone call all times of days and nights from National Enterprise Systems. They call from numbers such as 1555-555-5555 or some other non realistic number. They have left many nasty messages such as "If you don't call us back we will own everything you have." Or We're taking legal action. I'm scared because I'm young I don't know how to speak with collectors and or make negotiations especially if I'm not working. What Should I do?

These people are rotten...
See:
Their BBB report - 860 complaints!
"http://www.bbb.org/cleveland/business-reviews/collection-agencies/national-enterprise-systems-in-solon-oh-33000644/"

National Enterprise Systems is threatening to sue me - What to do?

166 Lawsuits filed against them (39 so far this year) for FDCPA violations.

Can a separate lawsuit be filed for each instance where the FDCPA is violated? For instance a lawsuit for violating your rights on July 17th and another lawsuit for violating them again on July 18th?

No, I do not believe they are stackable like that. It's best to list all your charges on one suit. If they continue to break the laws, you can add those counts to the already open case.

FDCPA violations are per action, not violation. You would need to file seperate lawsuits for each one.

These people are out of control! our last name is Lee and they are looking for someone who doesn't even live here and never did, yet they call everyday and wake us up- they are the a-holes of all time- I suggest you work something out with them because the are stupid and it doesn't mean anything to them. I think they get paid by the call and not the results, because even though we are not the people they are looking for they continue to call the wrong number!

Send them a Cease & Desist letter, Certified Mail Return Receipt Requested. Log any calls you get. When you get the green card back, check the date. If they called you after they received the letter, sue them.

NES has been calling me at home about a issue with Honda America Financial on a debt from another person. I call Honda and they do not have information on this issue. Never give them any information. If you owed them money the organization you owed first would issue you a letter about the money owed. They did not even have a correct address for me.

I have been receiving calls from a Robert Mason from National Enterprise Systems also. The first call was on Tuesday July 7th. He called me at work after calling my house and talking to my wife. He threatened my wife with law suits while talking to her.
When he got me on the phone, he threatened the same. I asked for him to mail me official notice and documentation, he responded by saying that a letter was already sent out to me. When I asked when, he said on July 4th. I replied with stating that July 4th was a Holiday and a Saturday, so I dont believe him.
I was insistent that I would deal with him when he send me proof of hi claim in the mail. He kept telling me that I was the person in trouble and did not get a chance to pick how this goes. He called my work number repeatedly on that day.
At one point, I had told him that I was at work and that he could not call me there. He said he would continue to call me there until we settled this. Refused to hang up and end the call even though I told him I couldnt talk. Only responded by saying that "we were going to settle this today". I hung up on him.Calls continue to my work
Finally, ten days later, I did get his collections letter in the mail. It was written on the 8th.... so couldnt have gone out on the 4th.
I sent a debt validation notice, expressmail, signed for on the 1st.
On Monday the 3rd, Robert called again to my cell and twice to my work. I advised him that he is in violation for calling me. He asked why. I told him about the DV letter. He claims to not have gotten it. I advised him that I know its there as it was signed for.
I did not send my DV to his attention, just to NES directly. Does that make a difference ?
This collection is for a very old credit card which has gone from bank to bank as they have sold over the years. The original creditor is three banks ago. My last payment was in May of this year and the only reason that I stopped payments was that the bank itself locked me out of paying online.... so after two or three missed payments they wrote off the account and now it sits with NES.

One thing you should always do in addition to getting information about your rights online, is to do a bit of research on the actual collectoid mutts who are humping on your leg. (in this case, National Enterprise Systems) I just found the most heartwarming tidbit from the Charleston Gazette. Seems the Ohio State Attorney General has really lost his patience with these scum and their tactics and late last month made it official by slapping them with a massive lawsuit! Just enter ???State attorney general sues Ohio debt collector??? into your search engine and get ready for a good laugh. It is said that snakes never sweat, but this just might do it! Most of the violations mentioned are the same type which have lead to the permanent shutdown of several other collection companies including Camco and Final Asset Locaters. That subhuman vampire, Ernest Pollack who owns this zoo of bottom feeders is also listed as a defendant (Come to think of it, the automated calls to our number abruptly stopped right after the story broke, anyone else notice this?)
The story doesn???t seem to print directly off the screen, but you can mouse-scan it and copy it into a Word document with good results. It???s going to make a great cover-letter to the Cease And Desist order I am about to serve these vermin with! The article goes on to say that anyone else wishing to add their own online consumer complaint to the huge list already against NES is encouraged to do so and provides a link for this purpose. Sounds like a party we could all go to! No word yet if the feds might get involved in this one, but if so, it could lead to NES being shut down for good (We can only hope) We don???t owe these filth a dime but they couldn???t care less, the one they are looking for is a similar name that is no relation. By the way, there is no 555 area code anywhere in the entire U.S. so their origin numbers are either offshored, bogus or most likely both.

I am an owner of a collection agency, and I have to offer some suggestions. First, I would like to comment on the above. Just because a person signs on a line for a credit card, or any other type of loan, does not mean they are opening themselves up to be belittled by these type of agencies. No matter what, the circumstances of the person who took the loan may have changed unwillingly. When the credit granter granted the credit line, they knew they were taking a risk that the persons life and financial situation could change over the period of time it would take to pay the balance through minimum payments if they maxed out their credit line. This does not give that company, or any of its agents the right to offend, belittle, threaten, or harass anyone.

Our agency works with our debtors to find solutions, not add to the problems. We treat all of our debtors with respect and most often, that's what gets us paid. Because they know we are willing to work with them, and not against them. We even take the extra steps of offer referral sources for their area if they need assistance finding a job, food, rent money, etc., so they can work to get back on their feet and pay us.

If you have a collection agency that is doing this to you, be sure to contact your Attorney General's office. They will work with you to file a complaint. Also, go to the Ftc.gov website and read more about your rights and responsibilities as a debtor. If you have not been able to resolve the situation from there, contact an attorney in your area. As much as I hate to say it, but collections practices act complaints are the new slip and fall, so I ask that you be sure you have a real complaint, and not just trying to get out of paying your debt. Keep in mind, an attorney is not going to file your case for free. In the end, you will get nothing, or the attorney will take most of it. So to save yourself the time and trouble, as I said before, make sure you have a REAL complaint and something to back it up with.

Mr. B;

You did the right thing by sending the notice by certified mail, hopefully you got a return receipt since the post office only keeps records for a specified period of time. This is why it is also important to file a complaint with the Attorney General. Once they receive enough complaints, they will take action. They do not proceed on cases that do not have merit though and need enough complaints to warrant it.

As far as your "DV" letter. It is standard that you allow a company 30 days to process your letter. Sending the letter directly to the company does not matter and is often best. This way, there is no argument that the person left it on their desk or is no longer with the company and never turned the letter over to the proper person.

As I said before, I am the owner of a collection agency, and willing to provide this information because we work in an ethical way. I would fire an employee with no questions asked for violation of the FDCPA, not because I am afraid of being sued, but because in most cases, I feel the FDCPA is fair.

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and usually some of

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and usually some of these people

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and usually some of these people are

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before