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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:

The statement is from capitalone and the amount is what they're collecting, however the date on the statement says july 2006, and that was when the account was turend over to collections. I'll get around to uploading the papers today or tomorrow on the New post I made a few days ago.

Sub: #51 posted on Sat, 09/01/2007 - 18:30

d2dtk d2dtk

(Posts: 152 | Credits: )

Please do not try and sell your things here. I for one am tired of this and the fact that someone is trying to sell me something. This is a site that helps people get out and stay out of debt. It is not ebay. Enough!!!!

Sub: #52 posted on Sat, 09/01/2007 - 18:39

Lukeskywalker Lukeskywalker

(Posts: 1909 | Credits: )

As long as the advertisement is in the 'signature' section of their comment, it really does not pose a problem for me. One can either not buy the laptops or buy them. I don't care if one tries to sell anything, as long as they are not spamming the threads with ads, like some people do.

Sub: #53 posted on Mon, 09/03/2007 - 15:48

Anthony Lemons Anthony Lemons

(Posts: 1828 | Credits: )

Your word is gold to me Anthony Lemons, if it is not a problem for you, then it is not a problem for me.


Sub: #54 posted on Mon, 09/03/2007 - 16:08

Lukeskywalker Lukeskywalker

(Posts: 1909 | Credits: )

well im back and see most of you still question the validity of your debts maybe you shouldn't be allowed to have lines of credit since you want to act like you have know idea that you owe money to a debt you ran up no one forced you to get card. If you owe money and want to question something try your credit report im sure your debts are listed on there and if you dont know where your acct is call the original credit im sure they will forward you to the place you supposedly think is some type of scam bottom line if you really wanted some proof rqst a letter with company letter head faxed and stop wasting time which is what most debtors always are trying to buy.

Sub: #55 posted on Fri, 09/07/2007 - 11:14


Ah, the ol' double posting tactic, to display how obnoxious one is. Pro collect, I need to ask you a question, and I will request only a mature, rational answer, if you could possibly accomodate me. Are you commenting here in hopes to somehow inspire people, or do you visit only to pass around child-like remarks? I would like to say, that if you are here to be unproductive, then go find a site that humors your sort of sick comedy.

Sub: #56 posted on Fri, 09/07/2007 - 12:28

Anthony Lemons Anthony Lemons

(Posts: 1828 | Credits: )

Well it started off as two duplicate posts until the moderator genie swooped in. :lol:

Sub: #57 posted on Fri, 09/07/2007 - 14:43

cajunbulldog cajunbulldog
(Posts: 4857 | Credits: )

procollect, I still have not figured out why you are here spinning your wheels. You have done nothing in this topic but accuse people of all kinds of wrong. Do yourself and your firm a favor and read the fdcpa I have pinned in this board. Your complete disregard from following it will cost you dearly one day in the near future.

Sub: #58 posted on Fri, 09/07/2007 - 14:46

cajunbulldog cajunbulldog
(Posts: 4857 | Credits: )

I actually hope to inspire people to do the right thing and that there is a way to resolve your debts without out breaking the law which I can say havent done everyting we do in collections at my firm is within the law. We record all calls for that reason there is always some joe blow who things he knows the law because of some consumer site which 9 times out of ten there quoting the wrong law such as by law you cant cll me at home if you say so fact doesnt exist in most states without the proper papers being sent. All day all we here are excuses some valid but unfortunately not here to counsel that time has passed. Either pay your debt voluntariliy or do it involuntarily collectors really dont care if one person doesnt pay there is always someone that does want to pay so move along if you want help I help if you dont hang up and the additonal posting are due to computer error

Sub: #59 posted on Fri, 09/07/2007 - 15:33


I seriously hope you get nailed with a bogus debt Procollect and see how YOU like it.

Do you even realize that it is shady, double dealing runts like you who make asking for validation necessary? Let me ask you this, if a collector did hold a legitimate debt, why wouldn't they be happy to send the proper validation and then collect the money?

Why would a reputable collection agency (if they even exist) buy debt without making sure they have the proper paperwork? Why would they want to do such a thing?

Hmm..I have some prime real estate on the moon for sale???????want it? I don????????t have the proper paperwork, but that????????s ok since you guys seem to never need it.

Sub: #60 posted on Fri, 09/07/2007 - 17:10

goldenbast goldenbast
Moderators Cum Industry Expert
(Posts: 2885 | Credits: )

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