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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:

heston law firm is not rannefeld somone posted own wrong site this forum shows to be for rannefeld

Sub: #141 posted on Fri, 01/16/2009 - 12:28

procollect69 procollect69

(Posts: 26 | Credits: )

I have been trying to get a validated letter from procollect but have not recieved anything. When I call, the people are terrible! They yell and threaten and don't let me ask questions! I know they recieved my request for validation because I sent it certifed to two addresses listed for them and both were recieved. They have already posted this debt on credit report but refuse to work with me to resolve it. What else can I do?

Sub: #142 posted on Sat, 01/24/2009 - 08:39



Sub: #143 posted on Tue, 04/07/2009 - 10:40


I think CACH is using forged bill of sales and I know they seek collection by harassing phone calls..that don't stop despite giving them written warnings. Their collection techniques are totally out of lline and contrary to guidelines set up by the Attorney Generals office. Very sneaky....very evasive...I wouldn't pay them until they take you to court.

Sub: #144 posted on Sat, 05/16/2009 - 15:57


I had dealings with one of the companies named above, I made payment arrangements and gave a post-dated check. The next day another woman called and refused to let me off the phone (I know, I should have just hung up on her, I was trying to be reasonable, since I do owe the debt). She said the arrangement that we BOTH agreed to was not enough. That the payments would have to be higher and that they'd have to receive the first payment within 24 hours (because after all, I own a home- her words). She also failed to tell me that it was an attempt to collect a debt until after she tried to shake me down for the phone #'s of my family and friends.

Sub: #145 posted on Thu, 05/28/2009 - 07:58


btw- this is just the short version of the story.

Sub: #146 posted on Thu, 05/28/2009 - 08:00


I got a call from them yesterday and was told by one guy that Household (best Buy) sent them my acct a little over 1000 I do know that I owe them I told the guy that I had a payment set up ready to go out on the 17th of this month he said that they would not except my paymnet becasue it was in there office I said why not its money he said he didnt know and transfered me to the "floor manager" who is another story. he falt out told me that i had to come up with the money i agian said that i have been paying waht i could and that i had deal with household and he said it was null and void and that i had to come up with the money i agian said i dont have the money right now and he again flat out told me that i had to find and that i should have read the contract before i used the card and that i sgined saying that i would pay it back i said i know that i have been just fell 2 months behind. again he just said put it on another ceredit crad I said that i couldnt becasue i was unemployed for a while and had to live off them and they are maxed out he falt out said thye arent for you to live off. What the Hell..... I yelled at him saying that i didnt have the money he said fine i will tell best buy that you are refsuing to pay and we will proced with legal acation I said that i didnt theink that they could do that and told me that i didnt know what i was talking about. and that i should "shut up" i again said what do you want me to do i dont have the money he said find it i hung up at that point.. any advise

Sub: #147 posted on Fri, 06/11/2010 - 08:54


Originally Posted by Anonymous
yeah spank me as I drive away in my vw phaetom thanks to people like you that cant manage there finances correctly keep on missing those payment so I can keep on riding.

what ever i have 3 cars all paid off too just fell behimd in a couple pf paymnet so FU

Sub: #148 posted on Fri, 06/11/2010 - 09:06


The post that i did was for joe pezzuto llc becasue i thought both placed were the same sorry but i wuld still like advise

Sub: #149 posted on Fri, 06/11/2010 - 09:21


I had these people call me in the beginning of September. West Asset Management apparently "went out of business" according to CACH llc. So Campus Door sold my loan to these a**h*les! They didn't contact me until September 5th, letter dated Sept 1st. They bought my loan on August 1st. They added over $400 to my balance. The ignorant beeotch I talked to wanted her @*s handed to her... intentionally picked a fight with me... wouldn't shut the h*ll up so I could tell her I knew what APR is and how it had been added to my account monthly-- which btw I was paying on my loan for 19 months without missing one payment at West Asset Management-- she claimed that $400 was from two months of interest then from 4 months b/c she claimed I hadn't paid since May! IDIOT!! Anyways I fought with her and got as nasty with her as she was being with me... I clearly had the upper hand when it came to education! SOOO "Latonya" aka "Mizzzzzz Anderson" keeps calling me all day on my cell and my house phone. I'm filing complaints every where I can b/c she's representing herself as if she worked at a lawyers office. They are a COLLECTION AGENCY! I will not stop until that piece of crap CON MAN office is shut down! I'm saving all voice mails and answering machine messages... sending them on to the BBB, FTC, and Bar! AND anywhere else I can find to report these scum bag ignorant a**H*les!

Clearly, I'm still super po'ed about this and rightly so... Oh and they tried to settle with me for the frickin original amount... I told them to shove it up their @**... I told them I want verification of the debt and proof of any payments history they got from West Asset...

And West Assett on the other hand told me that they "don't keep records of any payments recieved" ARE YOU F'N KIDDING ME?! I told them to send me a certified legal copy of all payments and if they didn't I was suing them for the money back! IDC if I can or not... they threaten to sue people all the time... I'll do it back! grr... I need to go calm down! Anyways, everyone should doubt the amount if any they say you owe and record all conversations. Report them for anything and everything they do wrong... they are scum bags.... they bought my debt for pennies on the dollar and now they want me to pay $400+ more! I don't think so!

Sub: #150 posted on Tue, 10/12/2010 - 20:45


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