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Welcome to DebtCC Community

Date: Fri, 06/29/2007 - 03:57
Submitted by Vikas on Fri, 06/29/2007 - 03:57
Posts: 2019
Credits:
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Hi all! This is Vikas. We welcome you to the internet’s first get-out-of-debt community.

"Many of us have been in the same situations and only someone who has "been there" can really know how to help" -
says Jessi (a DebtCC member from Plain City, OH)

So, all of you are welcome to introduce yourself, participate in the discussions related to debt and other financial topics.

We hope you will enjoy your stay in the community.

Regards
Vikas


Hi Friends,
i am new here and i am from Canada. i love cricket and i am a big fan. Nice
to meet you all guys and hoping to learn more from this forum.
Cheers


Submitted by on Sat, 03/15/2008 - 05:12

( Posts: 202330 | Credits: )


Hello All
Im New...


Submitted by on Sun, 03/16/2008 - 00:00

( Posts: 202330 | Credits: )


A good place to file a complaint is with the Federal Communications Commission. The rules they govern are stricter. I believe it is complaint # 1008, or something like that. It's been a few days since I filed a complaint on another number.

FCC doesn't mess with complaints; and my complaints in the past have always been investigated!!!

FTC and donotcall, place complaints on a list, and will investigate, file charges if they see a pattern. So everyone needs to file complaints, so that there will be a definite pattern!.

Anyone have problems with collection agencies calling? There are laws to protect Consumers from these jerks. #1, they technically do not have any authority. They usually purchase charged off bills, from other creditors for pennies on the dollar. #2, because the bill is with an original creditor, you are NOT obligated to these jerks. They will try to convince you that you are. #3 the only way you become obligated to these agencies, is if you make payment arrangements with them; thereby creating a contract/agreement, where none exist, when they first contact you!!!

If you answer the phone, simply say:"I do not discuss financial matters by phone - send me a statement in writing and I will respond to it." Then Hang up!!! Otherwise, they will have you completely shaken!!! The longer they keep you on the line, the more chance they have, to get money from you including payment arrangements ???????? or payment agreement/contract!!! You are NOT legally obligated to talk to them!!!

Collection agencies are ruthless jerks!!! They will tell you they are the original creditor when they are not - even though it is illegal, for them to do it, per Federal Consumer Protection Laws. You can legally sue them for $1,000.00 per violation.

When you do get a statement - google "FAIR DEBT COLLECTION PRACTICES ACT" One or more online Attorney websites will be shown. These websites will have valuable information, including a Cease & Desist sample letter; or a Cease Communication letter. Once received, it is a violation of the Federal Fair Debt Collection Practices Act, to contact you further.

You can also educate yourself by reading Consumer Protection Laws at ftc.gov; a lot of valuable information. Don????????t have time, download and read later. You will be glad you did!!!

I am not an Attorney - just an Educated Consumer, in Consumer Protection Laws. I have spent hours studying these laws and becoming familiar with them. They have helped us and friends/family as well; and hopefully it will help someone, who reads this.

And for those self-righteous criticizers, who say, just pay your bills on time; things happen to people with credit card debt, medical bills etc., often beyond their control such as job loss, divorce, death, illness etc. and you find your self in a bind. We've been there, we know. You do not plan to pay late, or not make payments; but if the income quits - there's not a whole lot one can do! You then are forced to prioritize, Mortgage, Utilities, Car payment then food, if you can! Other things have to be let go!

I hope this information will be helpful to somebody who reads it!!!


Regular Mail & Certified Mail #:

Collection Agency
address


Date

RE: Account #????????s:
Original Creditor
Amount in Dispute:
To Whom This May Concern:.:

I am in receipt of your demand for payment. However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c). Failure to comply with said Notice, shall result in a complaint filed and submitted to the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right, to dispute the alleged debt asserted herein, but at this time I am under no obligation, to respond as a result of (original creditor)????????s default.

Sincerely,



_________________________________
your name
Address
City, state


Submitted by on Sun, 03/23/2008 - 14:42

( Posts: 202330 | Credits: )


I am new to this forum and I think you all will help me to enhance my
knowledge. I have been here many times and have always found this to be
a great place for information and advice about a wide range of topics

Paul


Submitted by on Wed, 04/09/2008 - 02:37

( Posts: 202330 | Credits: )


I received a card statement yesterday, and discovered that there was an unauthorized charge from the InfoSys Technologies LLC in the amount of $11.98
I wanted to resolve the problem and called their customer support number 517-639-0760, but I reached their answering machine.
From the message I found out that the best way to contact them would be through e-mail support[at]infosystemplates.net
I wrote a letter about my problem to the noted e-mal address, and within 15 minutes I received a reply that the situation will be reviewed, and in about 5-8
hours, I will receive a notice to my e-mail, and then, during 72 hours they will make a refund.
Today I have received a refund and want to take back all the claims for InfoSys Technologies LLC.
The mistake was corrected very quickly, and they have shown themselves as a serious company.
Besides, I got a free version of their product as compensation.
Good work, keep it up!

[color=DarkRed][size=2]*e-mail is deactivated for your safety[/color][/size]


Submitted by on Sun, 04/20/2008 - 10:04

( Posts: 202330 | Credits: )


Once I've come across in Internet with some chart about payment systems and the places of their registration.
Name of the system
Place of registration
Company format
Place of domain registration

E-gold
Isle of Nevis , Lesser Antilles
Offshore
Melbourne, FL,US

E-bullion
Panama
Offshore
CAMARILLO, CA,US

Neteller
Isle of Man, British Isles
Offshore
Herndon, VA, US

Pecunix
Panama
Offshore
Toronto, CA

GoldMoney
St. Helier, Channel Islands
Offshore
Douglas, Isle of Man,

GB

NetPay
Panama
Offshore
-

V-Money
Seychelles
Offshore
Panama

ePassporte
Curacao
Offshore
Yarmouth, NS,

CA

Liberty Reserve
Costa Rica
Offshore
-

WebMoney
Belize
Offshore
Russia


Submitted by on Wed, 04/30/2008 - 03:24

( Posts: 202330 | Credits: )


Hey everyone,

Been reading the forum for a while just wanted to introduce myself - what's up?


Submitted by on Wed, 05/07/2008 - 16:53

( Posts: 202330 | Credits: )


I recently paid a settlement of my student loan with on of this junk debt byers collection agency. As you know a student loan does not have a statute of limitations so if this company does not pay the Dept of Education this debt will haunt me forever. Do they keep this money or are they obligated to pay the original creditor? I called the dept of Educ and they are not the debt collector they have on file. I am afraid of loosing my money.


Submitted by on Sun, 06/08/2008 - 13:39

( Posts: 202330 | Credits: )


Hello, My name is Kasey and I am new to the site. I received an email telling me to come and introduce myself so here I am. I found this site by accident and now I am thankful that I have found it. I hope to get help and maybe help others once I get some of my own debt under control. :D


Submitted by ksyjac2001 on Sat, 07/18/2009 - 13:32

ksyjac2001

( Posts: 4 | Credits: )