I need to check on this company. I have been hospitalized for a smashed tibia and fibula. Things have been crazy and one of my bills made it to this collection agency. I told them I could start paying them in three weeks. Then I had a woman call me and tell me I didn't take make this agreement. I then thought it was a different company and new I couldn't make another payment of the same size and told her I could pay a smaller amount. Then she told me I had already made an agreement of the original amount. I then realized she was lying to me. They also want the routing number for my checking account with my agreement so they can put it through on that date. Well I don't trust them. Should I??
Sub: #61 posted on Sun, 07/15/2007 - 09:38
2.A dispute can be verbal,this has been established by case law & Ftc.
3.The debt collector is required to follow the fdcpa in it's entirety whether you like consumer or not.If you cannot handle this,get another job.
4.I don't see any point to your post that would discuss anything relevant to the topic.
Sub: #62 posted on Sun, 07/15/2007 - 10:35
Moderators
(Posts: 4850 | Credits: )
[quote]Your Name
Address
City, State, ZIP .
Jan 15th 2007
[Insert name of collection agency]
[Insert address of collection agency]
[Insert City/State/Zip of collection agency]
REF: Account #
Dear [Insert name of debt collector calling--if available--here]:
1. You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.
2. You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Tennessee Attorney General's office. I will pursue all criminal and civil claims against you and your company.
3. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.
4. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.
5. Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor.
Give this matter the attention it deserves!
And have a nice day.[/quote]
Sub: #63 posted on Thu, 07/26/2007 - 08:32
Sub: #64 posted on Wed, 08/08/2007 - 21:32
Sub: #65 posted on Fri, 08/31/2007 - 18:03
do you tell your landlord you dont have the money for rent?
this is rediculous
it is not harrassment if you OWE a bill and someone calls you for payment...
it is the same as STEALING
Sub: #66 posted on Fri, 08/31/2007 - 18:10
Sub: #67 posted on Sat, 09/01/2007 - 04:26
Moderators
(Posts: 4850 | Credits: )
Sub: #68 posted on Thu, 09/20/2007 - 17:24
Sub: #69 posted on Sat, 09/22/2007 - 00:26
Sub: #70 posted on Sat, 11/17/2007 - 08:57