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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:




Ok ladybug this is procollect I have now taken your advise and yes I will be giving good advise on how to deal with debts and things to do to make the process easier and less confrontational.

Sub: #71 posted on Tue, 09/11/2007 - 17:37

DONOVANJORDAN82 DONOVANJORDAN82

(Posts: 2 | Credits: )

Well everyone here appreciates that, I for one do. There is nothing worse then to get off on the wrong foot. Please advise me or us what we should do when a debt won't be validated, and you aren't really sure that what they say that you owe is a legitimate amount. I can't seem to get them to send me any kind of validation whatsoever and it is very frustrating.

I am not saying that this debt is not legally owed I just want to make sure that they actually own this debt and how did they come up with these outrageus fees. And why did they all of a sudden state that they were representing a firm I had never even heard from. That is what is making me mad and then calling me and harassing me and bringing things up that are on my credit report that has nothing to do with this supposed debt.

People can work together be it a debt collector and a debtor as long as there is honest communication between the two.

ladybug

Sub: #72 posted on Tue, 09/11/2007 - 21:25

ladybug ladybug

(Posts: 2757 | Credits: )

I also would like to know these questions! How can a 4,000 write off suddenly become 9,400?? I have ALL documentation on the actual amount owed to credit card. So now CACH buys it and it jumps up almost double. How does that happen? I have also NEVER heard from them but one time that "I" called them!
THanks for any advice u may be able to give to help me understand this better,
Ang

Sub: #73 posted on Wed, 09/12/2007 - 05:50

Ang Ang

(Posts: 2316 | Credits: )



Okk...well if you wish to give advice then please be sure to give correct advice. The Cease and Desist law is -federal-, which means all states respect it.

Besides, no one here just blindly follows the advice posted, they follow it because those here have researched this subject and quote the actual laws and codes of both federal and state.

It is a fact that everything you mentioned in earlier posts is completely against the fdcpa and FCRA and various state level codes. It's in black and white. What you described are -all- violations, no matter how you look at it.

Sub: #74 posted on Wed, 09/12/2007 - 07:19

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

I was the one who brought up the issue of a verbal c&d or dispute. In writing is federal. Verbal is controlled by case law depending on what court district you reside in.

Sub: #75 posted on Wed, 09/12/2007 - 08:26

cajunbulldog cajunbulldog
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(Posts: 4859 | Credits: )

To answer the question on How can a 4,000 write off suddenly become 9,400 you might want to ask them if any attorney fees, or court cost have been added also if your file has an interest rate because if so the balance will probably keep increasing generally per the terms of the original contract or agreement

Sub: #76 posted on Wed, 09/12/2007 - 08:44

DONOVANJORDAN DONOVANJORDAN

(Posts: 1 | Credits: )

I had a dealing with this firm earlier this year and a collector by the name of Steve Norman, who was very professional, courteous and helpful. He got me the documentation I requested, negotiated a very fair settlement and made sure I received a settlement letter from the law firm. My credit bureau has even been updated. NOW I'm dealing with some a$$hole named Mike Rose at this same firm on another matter and they tell me they never had any employee by the name of Steve Norman, which I know is false. I talked to him many times at the same phone number this guy calls from. I told them I would pay this small bill if I could deal with Mr. Norman, but noooo. Hell will freeze over before I pay this Rose character. He's mean and coughs in the phone / my ear. I hope he croaks! Grrrr

Sub: #77 posted on Sat, 09/22/2007 - 00:55

Unregistered


Procollect said: "Thats your problem lemons you seem to think everything is a threat i used big letters probably because of block still that i learned while in the military for 15 years". End Quote.

I served alot of time in the military, and if I turned out to be some jackass collector, my old platoon would have whooped my ass. How about showing us your patriotism by not harassing your fellow citizens. You should be ashamed of yourself.

Sub: #78 posted on Sat, 09/22/2007 - 11:35

Anthony Lemons Anthony Lemons

(Posts: 1828 | Credits: )

cajun bulldog you need to edit anthony lemons last post due to content keep professional

Sub: #79 posted on Fri, 09/28/2007 - 08:54

Unregistered


He'll get right on it....lol.

Sub: #80 posted on Fri, 09/28/2007 - 13:13

Anthony Lemons Anthony Lemons

(Posts: 1828 | Credits: )

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