**Look-Just came across a very interesting website

Wow! This is real good information. Anyone who has faced the illegal collection methods from the above CA's will just have to call the law office. Sounds really interesting!! Actually, I see so many of these CA's discussed in this forum

Thanks TMD for doing such a great and helpful research. :) It's really appreciated

Their website also has a databank of creditors with their addresses, phone numbers and fax numbers...may come in handy for some of those hard to find companies.

Hey Malcolm S. Gerald and Associates are on there along with many others. thanks TMD for the info.

I just sent them an email, asking what type of info they need. I will let you know if they respond and what they say.

I also found this little piece of information on the website when I contacted them:

The firm will review collection letters and loan documents for consumers (not debt collectors or lenders) free of charge. Please fax them to us at 312/ 419-0379.

Interesting....

I just faxed him the letter and gave Ed Combs my phone number and email address for him to respond if he feels necessary. I guess there is someone out there listening to us.

They emailed me back already(I asked them about one of the CA's in particular)Here is their response:

Some of their collection letters violate the fdcpa. We were looking for examples. If you send the letter we will review without charge.

Daniel A. Edelman
EDELMAN, COMBS, LATTURNER & GOODWIN, LLC
120 S. LaSalle Street, 18th floor
Chicago, Illinois 60603-3403
(312) 739-4200
(800) 644-4673
(312) 419-0379 (FAX)
(I took the email address off)

Do you think maybe someone is finally going to do something? Look out junk debt buyers, an attorney is wise to the violations.

yeah..hopefully lots of people will read this and get in touch with these guys...maybe they can get some class action law suits going. I don't have access to a fax machine right now, but I am planning on faxing them a few letters to review..it's free, why not.

I noticed that Encore is on there....but Oxford is not. shirley

TTF- they would probably still take a look at anything you have from Oxford and make sure it is following the law. It is worth a try...I am sure they are willing to add more to their list if they are brought to their attention.

This firm seems pretty good. I sent an inquiry via their website a few weeks ago about three o'clock on a Sunday morning, not expecting to see response until sometime later in the week. I was stunned when I woke up at 8:00 Sunday morning and they had already responded.
It appears inquires sent through their website are sent to their attorney's blackberries and they respond immediately.

Well, I don't have anything in writing to prove that Oxford has done anything wrong. They just continue to call after I wrote and told them not to, and this has been going on for several months. I told them written correspondence only--since then, they haven't sent one thing in writing, just keep calling every day-after I told them not to. The calls have backed off a little now, to maybe every other day, or every two days then skip a day, sometimes they go three or four days without calling. But the fact remains, they call. I was checking to see if they do anything else wrong, if anyone else has had problems with them. Guess if they have, they haven't reported it.

I guess I could email and tell them that I had wrote this company for validation,(they are holding two accounts) and they sent back a list they came up with of last six months worth of payments on both accounts. That was all I got. Then I told them no phone calls written correspondence only. and they haven't honored that. They are breaking the law by calling after I told them not to. Shirley

What you have said in your post is enough to prove that Oxford is not honoring the laws of the fdcpa. They have violated the C&D rule by contacting you regularly. You must be having a log file of when they called you with dates and time along with the name of the caller. Send this list along with the complaint of the C&D being violated to the lawfirm. This is enough to prove the laws being violated and take necessary actions. It is when the company will get face to face with each other, the facts will be revealed about the debt validation.

Quote:

I heard something similar from a person saying that Asset Acceptance is also using a law firm for the collections. So, it does mean that a collection agency also hires another agency to do the collections.

The thing to understand here is how the accounts will be reported to the bureaus? Will three agencies appear in the file or just the CA/OC will be marked besides the accounts. I perhaps will have to do some research here and get some info for all of us.

what is the difference in a collection agency and a buyer of debt?

Clay--
Quote:

I just spoke with a Lisa Martin from CMS (Credit Management Services) and she was very hard to talk to. At first she was really nice then started asking for info about my husband and I refused to give it to her, this is not his debt it's mine. She then got nasty stating that she was going to say that I don't want to take care of the debt and I am not cooperating. I told her that was not true, I would give her info on me but not him. She then proceeded to ask for my bank info, I explained that I wasn't going to give that info over the phone. She then said that I was uncooperative and would put that in the file. I told her that was not true but I am not dumb and I wouldn't give this info over the phone. She then hung up on me. I just laughed.

How do I email this law firm who is investigating these companies?

Thanks.

Just go to their website which is on the first message of this thread...there is a place to contact them.

c38nfrnt, just scroll this page to the previous one. There is a button below. You will get the info at the first post.

i think they are trying to screw w me. one guy uses different names but is the same person. he is harrassing me. what do i do?

is there a class action law suit on them?

Hank, I will suggest you to call the supervisor of Zwicker and associates and put your complaint against this person. You must also put your complaint at the FTC, BBB and the state attorney general office and request immediate actions.

B&H bought my Citibank account for under 4,000. I paid them 1,500 initially to let me make the rest of my payments through a debt consolidation program. I have paid them 107.00 each months for the past 8 months! And just last week i received a summons to court for 2,600 (including court costs). They want to garnish my wages. WHAT? After all this time and not even a peep out of them! Anyone else ever had this or a similar problem? Any suggestions?

This is good! I don't see Collection Company of America in there, looks like they've done well to keep their nose clean. I do see Protocol Recovery Service, and if these lawyers want some info from someone on the inside, I would be happy to oblige.

Hey guys guess what! I just went to that website and gave them a call! Told some very polite and interested people that I used to work for Protocol Recovery Service and all the crap I was put through, and all the lies I was told to tell people. He took my information and let me know that they'd keep it on file should anyone choose to file suit against them.

I copied the list down wow wish I would have read this alittle sooner I have had dealings with some of these ones even a couple years ago I guess some companies never change. Some now since inquiring about my CR and why they are on it. I have dealt with Arrow Fin before and a couple years ago it was a hospital debt which we were paying on but i lost my job back then and I was paying it out of my check and well i had to stop but the hospital didn't care they sent it to arrow fin and they had the balls to go down a list of ways I could pay this account with them the last one on the list was " Why don't you borrow your friends credit card and pay us then your friend could deal with a deadbeat like you." Needless to say I told him he was a arrogiate rude SOB , A jackass and further more I told him he was the most ingront SOB that his own mother is ashamed to even ackknowledge him .. well he told me that I was a B****and a **** and that I should go sell my body on the corner and give them thier money now. Well I told to him to go to hell and don't call back here, well he did every day 6 x a day even if ya answered the phone right off the top he was rude. My hubby told him one time you want the money come and get it, he'll be waiting. The calls stop after awhile and when my cousin who was only Military Police, told them that they were tracing the call and the Plice are on there way to get him.LOL But I see that they are on my credit report again and they don't list who they are collecting for this time no clue. just some xxx0624 number in the in account owner and list it as open for type of account. Haven't gotten any mail from them but will forward any type of contact to this lawyer. Keeping eye on list for any others. Thanks for the go info :D :!:

[color=Red]****Adult term removed - Jason[/color]

Just a little FYI, these so-called collectors are no prize themselves! That may explain their behavior. At my last job I was surrounded by LOSERS who are so poorly educated, that collecting crap debt is the highlight of their career. I'm talking about people in their late 30's whose last job was at McDonalds, people living in trailers, and then these fatties would start talking about food between calls. All the while I was thinking "I've got to get out of here! I've taken a demotion and a pay cut coming here!"

pcbusdriver, the collector you were dealing with crossed all the legal lines and just became insane. Do not let them do whatever they want to. If you hold a backseat, they will again come up with something more serious in the future. Also, the company has tried to hit your account fraudulently without any purpose. They are doing it to hurt your credit. Talk to your lawyer and put a check on them.

that's right he's an ass. They can just, by magic, take control of your credit report and mark it up as they please? That's scary! They need to go to Club Fed for this.

Wow,

This is the first time I saw this link on the forum. Wow, I will have to check this out and maybe add some CA's to their list like United Legal.

I think I am going to send them an e-mail about Sonic Payday when I get home from work. :)

Ari,

I'm glad that you told them about your old employer. It sounds like they really put you through the ringer. How is your new job going or have you started yet?

Mishele,

My new job is going very smoothly, I'm really enjoying it there. When I did call them about Protocol, I explained to them what I was told to say that wasn't true and the backlash I got if I didn't.
If by "ringer" you mean humiliating me in front of other staff members by heckling my work ethic, and by threatening to fire me every week for building my own dialogue with people as opposed to reading that dumb script like the rest of the sheep, condescending downtalk, and further insults regarding my character, work ethic, education, AND choice of next employment, then yes they put me through the ringer. If anyone on this planet decides to file suit agaist Protocol, they will have me by their side. It has already been documented.

Thats awsomwe Ari! I wish my case wasnt too old to file a lausuit against. For the rest of you....keep fighting.

Wow Ari, that is really cool that you called these guys. I bet they are going to be calling you soon to testify in court. Now they will have a lot more ammo against them. I still have some letters I really need to fax to them. I think one letter I have from allied interstate, and one from a so-called law firm are definitely violating the fdcpa.

All these creeps are going to get theirs!

I believe in what comes around goes around.

I wonder if these attorneys are getting lots of emails and calls now. Maybe we can keep checking their website...and hopefully some class action lawsuits will begin soon.

I would bet my life on it! I'm sure that thses lawyers are also looking to build their reputation to the public by bringing down enemies to the public. They will be legal heroes and give lawyers a very good name.

Actually they have already been involved in quite a few lawsuits against CA's..they have some of them posted in a list on their website and you can read about the case. Looks like they are a reputable office, and they seem like they really want to help. I wonder how it is that some people care a great deal about protecting the public, and others label them 'deadbeats who don't pay their bills' and don't care to help at all.

This company keeps harrassing me at work threatening to garnish my check. I told her I could not afford to pay the high monthly they were trying to arrange and she hung up on me and said that bank of America is going to get their money on one on the other. She calls me every day at work. Is this illegal

Nope. Per the FDCPA2, unless you explicitly demand that she cease calling you at work, she can still only call you twice a month at work and no more. She violates the fdcpa. Tell her to go to hell. If the CA she collects for is on the list on page 1 of this topic, click on the link, give them a call, and then you'll really know how many people are on your side!

these folks have been unbelievable---even after I paid $20,000 to pay off loan they come back,,,cannot get accounting of actual status of loans etc...one month ago told lawyer that I owe 6000 still and today told att I owe 48,000 with fees ect,,,,what is this craziness!

I received a call from them and they were requesting my bank routing information and account number over the phone regarding an account that has been charged off. I would not give them my information over the phone and they were upset. This just did not sound right to me. Can someone investigate them?

arrow financial services (bad debt buyer and collection agency)
These are the guys trying to collect on a 21 year old debt over and over.. not to mention I had a BQ 15 years ago that the debt was listed on.. I have the letter who do I contact..
Judy

Ed's site is a great resource.He is for real and sues collectors and creditors all the time. He is recently gathering info for a class action he wants to file.

They left out Bass and Associates

Does anyone no a law firm that covers Florida? I emailed one that was recommended but they never responded

Have you tried naca.net?
Your state bar association?

Thanks I will. Sorry but I lost this thread for a while.