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I received a letter from this Rannefeld & Associates stating that I owed $952.78 for a credit one credit card. I sent them a fax yesterday stating that I wanted validation of this debt. I received a phone call from this Ken Chandler, he said that since I acknowledged having the credit card that they were not required to send me validation but that he would fax it to me at my home number. He stated that they are not a collection agency that they are a lawfirm out of Addison Texas and are collecting for CACH LLC, for a credit one credit card that I had. I never received anything from this CACH LLc place and wanted verification of this debt. He said they are lawfirm and therefore do not have to abide by the rules of a cease and desist order. He told me I needed to borrow the money from friends/family to pay this debt. I faxed them a debt verification letter and he stated since I had admitted that I owed this debt they did not have to provide it but was going to fax it to me later today. I have received nothing. He told me to contact a lawyer and since I had declared bankruptcy 3 years ago that I couldn't do it again. I asked him if he was looking at my credit report and he basically said yes. He said that by looking at my credit they wouldn't give me a loan. Well that's good since I wasn't asking to borrow money from them. All I wanted was verification of this debt. He stated that this was just a stall tactic. He also tated that I was paying on another loan and that I needed to pay this account. I stated that I was going to be working with a debt management company and he said they don't work with them. He told me that if I could get him the money this month that perhaps his client would settle for 80% of the debt. Right I now that they are bad debt buyers. He kept telling me I needed to contact an attorney and that they were going to sue me. I told him I am on disability and my benefits are exempt from attachment. He stated that I was wrong. I told him maybe he should study the law a little better if he works for a law firm and learn what they can and can't do. I know they can't attach anything to my social security disability payments. What should I do?

ladybug :twisted:




LOL d2d!
I am calling to make an appt today with a "new" atty regarding CACH! He was referred by the atty u gave me Cajun! Closer to me.... we shall see what happens! Please all, keep ur fingers crossed for me at this time! I'll let yall know when the appt is soon as i set it up!
Getting nervous again,
Ang

Sub: #11 posted on Wed, 07/18/2007 - 11:13

Ang Ang

(Posts: 2316 | Credits: )

[font=Verdana][/font][color=Indigo][/color][size=6][/si ze]I got a call today from Rannefeld & Associates as well. I did not recognize the phone number so I did not answer the phone. They did leave a message saying who they are and that it is "imperative" that I return the call. blah blah blah I am already very scepticle of things like this which is how I came across this site...I was searching for info on these people before I return the call. Please keep posting progress. Maybe together we can shut them down.

Sub: #12 posted on Thu, 07/19/2007 - 13:10

Unregistered


I just had a run in with these people today. I called them to see about settling the debt and spoke to an associate. I told him that I was going to get the money together this weekend and call them on Monday. He said that it was fine and gave me the office hours and his extension. I then got a call from the senior case manager not more than an hour later. I called him back since he said it was urgent and he proceeded to tell me that I needed to pay them now and that they couldn't leave the account open over the weekend. He treated me like dirt even though I had called them to settle the account. He ended the conversation by saying that my time was up and good luck. I was wondering if anyone had had a similar experience and how they dealt with it? Can I just call the credit card and try to pay them directly?

Sub: #13 posted on Thu, 07/19/2007 - 16:37

Unregistered


Have u validated this debt??? Are u SURE they actually own it legally?? I wouldn't recommend paying these people without first knowing for SURE they do indeed own this debt! You could find urself owing the same debt in a very short time from someone else!
YIKES!
Good Luck,
Ang

Sub: #14 posted on Thu, 07/19/2007 - 18:39

Ang Ang

(Posts: 2316 | Credits: )

I know people that work at this firm-Ladybug it is infact a law firm, but you speak to collectors first, if they decide to sue then you will get calls from a lawyer and they really can sue. But seeing as how that is a pretty small amount I highly doubt it. What you want to do is call again ask for a manager-and tell them you want a letter sent of the debt. They have to send that by law and will, from there just settle its much easier.

Sub: #15 posted on Fri, 07/27/2007 - 13:47

Unregistered


sympathizer, I for one really appreciate your advice. I am, however, confused as to why the collectors that work there refuse to abide by the fdcpa. Surely, since they work for attorneys, they must be aware of the law and what they must or must not do. When someone requested validation, and send a Cease and Desist, the collector at this company told them that "we are not a collection agency, we are a law firm, and so we dont haev to abide by cease and desist letters...."

This is wrong. The FDCPA clearly defines the term "debt collector" as it applies to the law, and any attorney's office which engages in debt collection work falls under the definition. You may wish to speak to the person you know that works there, to make sure that they are not themselves breaking this law. Just food for thought, and again, we welcome your posts!

Sub: #16 posted on Fri, 07/27/2007 - 18:29

skydivr7673 skydivr7673
Moderators Cum Industry Expert
(Posts: 2037 | Credits: )

still no validation letter from them and it's day 31!!!!!!!!


ladybug

Sub: #17 posted on Sat, 07/28/2007 - 09:56

ladybug ladybug

(Posts: 2757 | Credits: )

unfortunately lady bug you might wont do more research having worked in collections for 15 years there is no law that states they have to send a validation letter the only way they would be breaking the law at all would be if they dont send a letter and they continue to attempt to collect a debt from you sending validation would be required if they wanted to continue to collect the debt having worked for cach previously your probably wont receive letter nor another phone call from the law firm if you just trying to avoid debt then your doing fine but if you trying to fix your credit your going to do more damage then good

Sub: #18 posted on Tue, 07/31/2007 - 10:52

Unregistered


I am NOT TRYING TO AVOID THE DEBT!!!!!!!! I am just WANTING VALIDATION!!!!!!!!!!!!!!GEEZ..IS THAT TOO MUCH TO ASK!!!!!!!!!!!
LADYBUG

Sub: #19 posted on Tue, 07/31/2007 - 11:20

ladybug ladybug

(Posts: 2757 | Credits: )

if your not trying to beat the debt then your just wasting time because ultimately you want to fix your credit if you are worried about proof of who owns the file and really want to pay then you need to cll let them know you have the funds to pay and want a sif letter faxed if they really own the file then they will send you an offer of settlement in writing that day no atty would put his ability to practive law for any amount of money not with cach but if you want proof ask for sif offer letter which should include they name of creditor you owe which is legally binding

Sub: #20 posted on Tue, 07/31/2007 - 14:04

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