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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: :lol:

Sub: #31 posted on Thu, 08/09/2007 - 05:18

cajunbulldog cajunbulldog
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(Posts: 4859 | Credits: )

hope you debtors are as cease and desist happy when your faced with a civil judgement and have your paychecks garnished and bank accts emptied due to non-payment of your debt know thats when you lose your hard earn money for failing to do the right thing and pay your bill

Sub: #32 posted on Thu, 08/09/2007 - 13:59

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Even though your grammar and spelling are bad procollect we pretty much got what you were saying the first time.

"Debtors", is that supposed to be some kind of derogatory term junior? You do know that just about everyone is a debtor. If you have any kind of loan, car, house etc. credit card then you are a debtor. You collectors need to understand that. Oh and don't worry about people and their possible judgments and such. We know you are deeply worried and care about their well being. If getting judgments were so simple, easy and affective then CA's wouldn't even bother trying to call they person. They would file suit right away now wouldn't they, but since many of the debts they try to collect on are not legit or the fees and charges are too much they try to intimidate and harass to collect the money. Now go along and sue someone. Oh yeah, don't forget about that $500 you still owe me.

Sub: #33 posted on Thu, 08/09/2007 - 15:27

ramj70 ramj70

(Posts: 193 | Credits: )

I haven't figured out why procollect hasn't registered as a user. He/she left the same comment on my home page.

Obviously you don't need many brain cells to be a collector (sorry couldn't resist that comment). This collector is giving the "good collectors" a bad reputation. There are good, understanding and compassionate collectors out there that are willing to work with people. Unfortunately this person isn't one of them.

ladybug

Sub: #34 posted on Mon, 08/13/2007 - 09:54

ladybug ladybug

(Posts: 2757 | Credits: )

Yeah mr. pro left a message on my page also, the last act of a desperate, uneducated individual. They come here, get spanked and then run away in shame.

Sub: #35 posted on Tue, 08/14/2007 - 02:54

ramj70 ramj70

(Posts: 193 | Credits: )

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.

Sub: #36 posted on Wed, 08/15/2007 - 13:04

Unregistered


Yeah sure, whatever you say mr. procollect. More likely a 1996 VW passat. I manage my finances just fine, now excuse me while I go drive in my BMW M6 convertible, or maybe use my 760Li.

With all that supposed money you make you might want to see about taking some writing classes.

Yes you do get spanked procollect and I'm sure you enjoy it. I question how old you are because you write like a sixth grader and what little arguments you bring are very juvenile. That is why you resort to immature, sill little posts on people's pages. Its kind of sad that you try and impress people with your childish, silly posts. No one buys what you are shoveling here junior.

Sub: #37 posted on Wed, 08/15/2007 - 16:54

ramj70 ramj70

(Posts: 193 | Credits: )

blue rennefeld is an attorney in fort worth, i have used him and recently looked for him and can not find him, maybe he went into another business, like collections.

Sub: #38 posted on Wed, 08/15/2007 - 18:25

Unregistered


Don't you all think that procollect needs to register as a real user and guit hiding under a guest. I own a 1981 Chevy Corvette, with 42,000 actual miles garaged and never seen rain or snow on it. So there...mr. I drive around..my corvette is probably worth more than what you make a year at your job.!!

ladybug

Sub: #39 posted on Wed, 08/15/2007 - 19:52

ladybug ladybug

(Posts: 2757 | Credits: )

yes, Pooks, I have dealt with that same guy. I'm scared to death of waht he can actually do! He says that he mailed me letters but I have never received any. When I asked him to send me paperwork to validate the debt, he just ponytailed around and basically just said, you have 24 hrs. Then called back exactly 24 hrs later and left me a vm threatening action....i could never get him to say what type of action.

Sub: #40 posted on Thu, 08/16/2007 - 07:41

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