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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:

They are a lawfirm subject to fdcpa.

Sub: #121 posted on Mon, 06/02/2008 - 16:49

cajunbulldog cajunbulldog
(Posts: 4857 | Credits: )

yes cajun you are correct doesn't make them an invalid or a joke though

Sub: #122 posted on Mon, 06/02/2008 - 17:04

procollect69 procollect69

(Posts: 26 | Credits: )

No it does not,but everyone can have personal opinions. :lol:

Sub: #123 posted on Mon, 06/02/2008 - 17:06

cajunbulldog cajunbulldog
(Posts: 4857 | Credits: )

The only reason why I said they were a joke is because of the unprofessional manner that go about doing there business. I have worked in a very prominent law firm before and have never thought about speaking to clients like the way they do.

Sub: #124 posted on Mon, 06/02/2008 - 17:08

ladybug ladybug

(Posts: 2757 | Credits: )

Alas, collections is not about customer service.... its about getting the debt paid - or not. If you think a collection agency is breaking the law, why would you ask for advice on this site instead of on a legal website or talk directly to an attorney --- lawyers dont usually charge for consultations. The other reason why I ask this is because laws vary from state to state so much that it would be easy to get recommendations that might not be correct.

Sub: #125 posted on Mon, 06/02/2008 - 17:25


Well I don't recall anyone on here saying that they were experts on this site this is just a support website and nobody is giving legal advice on what to do and always suggest that they contact an attorney.

I disagree with you to a point that you are right that collections is not about customer service to a point, BUT they are more apt to get the money if they acted more professional than being rude and insulting and could provide the proper validations when asked.

Sub: #126 posted on Mon, 06/02/2008 - 17:31

ladybug ladybug

(Posts: 2757 | Credits: )

Moderators should be objective not opinionated and they shouldnt be the ones to start with the namecalling

Sub: #127 posted on Mon, 06/02/2008 - 18:37

imadebtcollector imadebtcollector

(Posts: 67 | Credits: )

This firm said I owed them for a cc and than they changed there minds after investigating and said to me on two occassions that it was not me and they would take care of it. that was summer of 2007. well I just applied for a mortage loan and they came up on credit report they never took care of it, one year later .I feel they a hurting my fico score and they have been doing it for over a year. what can I do legally when a collection agency is holding my fico score hostage. I want to sue .I am angry they are still reporting a credit card that is not mine and did not take it off my credit report and are hindering me from getting a good rate on a mortage loan. Thank you for your replies.

Sub: #128 posted on Sat, 07/12/2008 - 11:59


There are more honorable professions. :lol: :lol: :lol: :lol: :lol:

Sub: #129 posted on Sat, 07/12/2008 - 14:46

markofkane markofkane

(Posts: 182 | Credits: )

Moderators are people with opinions also.Last time I checked our admission fee was zero to post here. :lol: :lol:

Sub: #130 posted on Sun, 07/13/2008 - 04:36

cajunbulldog cajunbulldog
(Posts: 4857 | Credits: )

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