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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:

I've just got blind sided by these people Friday afternoon. I had a Jeff Skoal call me and give me once last chance to settle my credit card debt of $1500+. I kept telling him I know nothing about this. That I have no credit cards except for 1 and it has a $300 limit on it and it's for a department store. He asked if I had filed a Fraud Report with the police department. I'm like, uh, no because I didn't know anything about this till now, so how could I file a Fraud Report on something I know nothing about. Well, he badgered me until I post dated a check to him. Since then, I've retained Lexington Law (that afternoon), and I've completed closed that account which I post dated the check out of. I am going to both fax and send them a return receipt/certified letter requesting both validation and verification of this debt. Besides the fact that there are now Fraud Alerts on all 3 of the credit card companies. I have 8 credit cards that were pulled in my name. Take it from someone who didn't think that there credit was even good enough for 1 credit card let alone 3, it was quite a shock. Just goes to show that Identity Theft can happen to anyone! Once this is all cleared up, I am definately looking into Lifelock. But dealing with this Jeff Skoal has been less then wonderful. He's very pushy!!!! Kept telling me that he was going to serve me with papers at my job. That if I paid this then he wouldn't charge me $2,000 for his fees (attorney) and court costs of $800.

This happend on Friday afternoon, today is Tuesday (8/19) and Lexington Law has already sent letters to these credit card companies disputing these cards. They have all been charged off over a year ago. So now I'm dealing with the collectors and supposed attorney's.

Thanks once again. This site has been extremely helpful.

Sub: #131 posted on Tue, 08/19/2008 - 12:25

llongsdm llongsdm

(Posts: 1 | Credits: )

lifelock is a joke

Sub: #132 posted on Tue, 08/26/2008 - 17:48


does anyone know if this law firm handles HSBC credit card

Sub: #133 posted on Mon, 11/10/2008 - 19:14


I was contacted by mail by these people, that stated there is a lawsuit filed against me by CACH LLC. The letter states they are a law firm and would charge $750 to settle this for me. The letter states they can put a lien against my home etc.? and that I did not have to wait to be served with the lawsuit from CACH to respond? Do you know about these people?

Sub: #134 posted on Tue, 12/09/2008 - 04:21


Debidawg, The best way to help you is to answer these questions for us. If an attorney is not licensed to practice law in your state, the threats are illegal. If the threats are from a debt collector, they are also illegal. If they are pretending to be an attorney it is again illegal.

What state do you live in?

Who signed this letter or who's name is on this letter?

Is this a letterhead from Rannefeld & Associates? Does it say attorney anywhere on the letter?

Did they say there was already a lawsuit filed or did they say they will file a lawsuit?

If they said it was already filed, Call your local court house and see if it is true, find out the docket number, etc....

Sub: #135 posted on Tue, 12/09/2008 - 05:17


It was from the Heston Law Firm in Houston, I'm in Texas, they said it was already filed and gave a case number at the bottom of the letter. I e-mailed the court clerk and have had no reply, it's been about a week.

Sub: #136 posted on Wed, 12/10/2008 - 04:14


Heston Law Firm is a consumer attorney from what I have read. They know that a suit has been filed against you so they want to help you win the case. They sue debt collectors and are not debt collectors from what I see.

Sub: #137 posted on Wed, 12/10/2008 - 05:17


I contacted them and they said they would get back to me, but have not called me back, so you think there is actually a suit filed?

Sub: #138 posted on Thu, 12/11/2008 - 04:22


Wow bravo to you Manuel Ruiz. You came all they way to this site just to be a troll. If it's any consolation I really need to take a piss from too much Whiskey....

There everyone has heard your nonsense and now mine, BTW how is Mexico Manuel Ruiz-de-Ch??vez

Sub: #139 posted on Sun, 01/04/2009 - 18:59


I was just served from this firm Rannefeld and Assoc. last week. I now have 10 days to answer the suit.......I thought they were bogus, but they are not. The woman Heather, who called me, wanted me to also get a loan within 24 hours for the debt of $2400. They called me a month after they filed suit.

Sub: #140 posted on Sun, 01/04/2009 - 19:16


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