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Encore Receivable Management is harassing me. How to stop them?

Submitted by on Wed, 10/26/2005 - 12:44
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Here we go again, Encore Receivable Management is calling all day and when I answer, no one is there. It is getting rather annoying. The number is 888-447-4169. Found out it was Encore Receivable Management from running it on the BBB. Does anyone know anything about these people? Haven't received a letter from them, just a day of no one on the other end calls.


Within 5 days of intital contact, the collection agency has to send a letter. You can send them a debt validation letter, certified mail with return receipt to make them validate. Word to the wise, they will not validate! They will call you several times a day and harass, threaten thinking that the person they are contacting will just pay and they won't have to provide proof.


Submitted by Not so Lucky on Fri, 02/23/2007 - 05:26

Not so Lucky

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ive been contacted by a man named jason claiming to be from encore a third party agency. I have recently had identity fraud that im sorting out and jason wont tell me what he is calling for unless i give him information. so i hang up n him. is encore a legitimate agency or a for profit consolidation group?
does anyone know?


Submitted by on Fri, 02/23/2007 - 19:57

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c'mon okay dont deal with the phone calls. dont pay encore. dont pay your bills. let's see what happens to your credit report once you account reaches day 207.

CHARGE OFF - bad debt for the next 7 to 10 years in your name in the credit report.


Submitted by on Mon, 03/12/2007 - 22:20

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I think that the contention here is that most of our debtors are not aware that their accts were transferred to encore already. I feel sorry for those who felt that they were harassed of some sort by our collectors but i would suggest that you listen to what they can offer first....


Submitted by on Wed, 04/04/2007 - 20:26

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Hi... I was browsing the net and found this informative site. I feel that this is also good because i am able to read our debtors concerns. You see, encore works for a lot of accounts. When you are set-up for a check over the phone, those are kept and file and at least 5 to 10 days we send reminder letters addressed to the card holders to keep them aware that there are payments on file. Like what arnel said earlier anything more than the amount you have agreed on with the collector when taken out from your acct is a violation of the law. I understand of course that there would be some lapses at times that is why i am strongly encouraging everyone here to keep on file, the name of the collector they spoke to, the name of the verifier of the payment and if possible the name of the collectors supervisor.i hope i was able to address some of your concerns. I will devote my time to daily check this site and i can further answer all your inquiries.
Great easter everyone!


Submitted by on Wed, 04/04/2007 - 20:34

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Ah,some more collectors have found our site. I always like to hear your side of the story to compare to the poster. You will find I detest most collectors,but that is just opinion developed by collectors not following the law. If your firm follows the rules,I got no problem with a poster paying their obligations.You have a good day and I will check back in later.


Submitted by cajunbulldog on Mon, 04/09/2007 - 07:01

cajunbulldog

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These people will not quit calling me!!! The person they are trying to reach is no longer at this number. I have only had this phone for about a month, but have received more than a dozen calls from them. I have had to call them twice now to tell them that he is no longer here. Isn't it harrassement if they call me again after I tell them to stop? I don't know how to prove to them that I am NOT the person they are looking for nor have I ever heard of him. The messages they leave are very long, and I want them to stop calling me or give me an address so that I can send them the bill for the minutes I am paying to listen to their voicemail messages.


Submitted by on Wed, 04/11/2007 - 06:16

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Thank you.

I've been reading some of the other posts and it sounds like they won't stop even with the letter. I think the only option I have is to change my number.

I have nothing to do with them or who they are trying to contact, but I really appreciate all of the inconvenience this place has caused for me.


Submitted by on Wed, 04/11/2007 - 08:54

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I found this site by trying to figure out who Encore was after I saw they had requested a copy of my credit report. I have no overdue payments of any sort at this time. I wonder why they are checking my credit report.... as well as how they got my name.


Submitted by on Thu, 04/12/2007 - 14:46

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This company calls starting at 7am 7 days a week and calls continue all day long. Why don't they abide by cease and desist requests? Usually a recording says this is Jay Young from Encore Receivable Management and you need to call Jay Young today! Then a lady named Beverly tries to get cell phone numbers out the children when they answer the phone. These are calls trying to reach a child that moved out of the house 15 years ago. How do we get it stopped?


Submitted by on Mon, 04/16/2007 - 16:48

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Send a cease and desist letter to Encore's mailing address. See this sample letter.

http://forums.debtcc.com/template-cdletter.html

Make sure that you send the letter certified with return receipt requested. They are legally required to stop all collection attempts after receiving your letter. If they don't, you have a fair chance to file a lawsuit against them.


Submitted by BKP on Mon, 04/16/2007 - 16:58

BKP

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These people have been calling me for 3-4 months, 5-10 times a day. Annoying! I read that they will talk to a spouse, and since my husband works out of town I am left to deal with these matters. However, When I identified myself as his spouse, they refused to discuss anything with me, saying it is a private business matter? All other companies have no problems discussing any matters with me, why is this one so darn stubborn? Is the number of times of day they call harrassment?


Submitted by on Thu, 05/03/2007 - 12:20

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I HAD THE SAME EXPERIENCE...they don't leave a name, won't identify themselves...I'm unwilling to give out info to a company that I've never heard of or solicited (too many bad stories about identity theft)...are they a legit company???
Their personel talk in low volume/muffled tones and I can't make out what they are saying when they leave a message...is this a ruse?...they only say that they are a "financial" company...my bank/credit cards never heard of them!


Submitted by on Thu, 05/03/2007 - 15:08

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ok, I have read along on this one. For those people that work for Encore, allow me to set things straight. I appreciate your intentions, and in most cases, agents of a debt collector only know what that collector has told them, so please pay attention.

First, Encore is NOT a first party collector. It is that simple. Encore is a collection agency. They handle many different accounts from many different places. I see a lot of people talking about Cap One, but Encore also has accounts assigned from all kinds of other places, such as Zales jewelry stores. If I recall right, Zales uses Citibank for all of their issued cards. This means that Encore is NOT THE FIRST PARTY. At least not for all of their accounts. Unless, of course, encore manager is now going to tell me that Encore is also part of Citibank as well?!?

Ok, that being the case, let's review a couple points based solely on the law itself, and compare them to statements and claims that the Encore folks in this thread have made.

1--"we dont have to validate debts"....YES, YOU DO. Here is the law that says so:

Section 809



So, you see, you MUST validate debts if a consumer requests it. This is federal law. This isnt me talking--that is precisely what the law states. And for each and every person you contact that requests it, you are violating federal law when you refuse to do it.

2--"validation/cease and desist must be sent to the original creditor, not to us..."

Section 805:



--before we bring out the old "third party" argument again, this is also part of the law:





See that part in red?? You have claimed that Encore is a separate part of Cap One. THE LAW clearly states that using a different company or entity name as identification presents you as a third party and you SHALL BE TREATED AS SUCH. That is found in section 803 of the same law, by the way.

3--"calls are made early because it is legal to go by the time zone we are in, not where the consumer lives..."

Section 805:



About the way you treat people on the phone--while I agree that people should just pay their bills, that does not mean anything in this context. That is because this is a federal law, and your particular opinion about some deadbeat on the phone does not supercede that law.

Two other interesting things about this law, encore folks:

--did you know that, in addition to federal fines for breaking any portion of this law, the debt collector can also be sued by the consumer? Did you know that each offense can cost you up to $1,000?

--Did you also know that ANY AGENT OF A DEBT COLLECTOR can be sued AS AN INDIVIDUAL for violating any portion of this law? That means if you call my house and break this law, I can go after YOU for up to $1000 per violation....are you prepared to risk that when calling my house??

I eagerly await the reply that is sure to come, telling me about how I dont know anything, etc etc etc


Submitted by on Fri, 05/04/2007 - 20:19

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funny thing--the minute the word-for-word law is posted and explained, the encore folks are nowhere to be found after that. Before that, there were three or four of them posting along plenty. And now, not one...that is interesting.


Submitted by on Sun, 05/06/2007 - 08:49

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Encore Manager - If you want to convince us that your company is respectful to those who want to work out their problems, your sarcastic posts aren't doing anything but showing everyone that you are judgmental and threatening when it is probably not necessary. You must be frustrated at work or you wouldn't be wasting your time needling people on this site


Submitted by on Sun, 05/06/2007 - 14:14

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still waiting for a response to my post.....guess I wont hold my breath on that one though....

Everything that encore manager has asserted here has been countered with the law. Even the whole first party/third party bit. The law is irrefutable, and it clearly goes against everything that the encore employees in here have tried to say. This means only one thing--that your company is in repeated direct violation of federal law. Not a position I would want to be in...


Submitted by on Sun, 05/06/2007 - 14:41

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I have read some of your e-mails and have been getting threatening phone calls at work. I have told them several times not to call me at work and they continue to do so. They have today called me at work and stated they just got off the phone with my payroll department and to give me the benifit of the doubt had them transfer the call to me so that I can make arrangements to pay them. They threatened wage garnishment to me. I under deress (sorry about my spelling) gave them a payment. I after reading these e-mails and the Fair Collections Act. Called my bank cancelled the check and am cancelling my account today. I am contacting the better business Bureau today as well as my attorny General. Is there anything else I can do to stop them from harrasing me?

Thanks Chrissi


Submitted by on Tue, 05/08/2007 - 12:53

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good God. why dont you guys just pay your bill?

it's just that simple instead of finding loopholes and excuses not to pay it.

you know for a fact that you have an overdue account.
that it is your responsibility to pay it.

as one posted a few pages back dont pay your debts.

the effects will be substantial to your future.

adverse credit rating. charged off. bad debts.

oh joy.


Submitted by on Thu, 05/17/2007 - 03:06

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Quote:

good God. why dont you guys just pay your bill?

it's just that simple instead of finding loopholes and excuses not to pay it.

you know for a fact that you have an overdue account.
that it is your responsibility to pay it.

as one posted a few pages back dont pay your debts.

the effects will be substantial to your future.

adverse credit rating. charged off. bad debts.

oh joy.


really???

So, we all know that these debts are ours?

Let me explain this to you in the simplest terms I can, wouldnt want to trip you up by using any big words or anything....

This past year, a collection account chowed up on my credit report. A foreclosure, actually. I live in Louisiana, and this foreclosure actually took place in Tennessee--a state that I have never lived in. Clearly, this was not my debt. The original creditor was the one who reported this to the CB. I disputed this debt, the CB notified the original creditor, and they AGREED that it WAS NOT MY DEBT. Entry was removed from my report. Three months later, the same debt was back on my report, this time from a third party CA, much like yourself. To this day, that third party bunch of idiots maintains that this is "really my debt and I need to shut up and pay it"...just like you run aorund here babbling to everyone. By the way, this isnt some credit card chargeoff--this is over $40K we are talking about. Not only has it already been proven to not be my debt, but the morons at this CAact just like you anyways. Proof has been shown that the debt is not mine and yet they still parrot the same crap, just like you.

Bottom line--the law exists for a reason and that reason is dumbasses such as yourself. Face it--if you would adhere to those laws when doing your job, there wouldnt be any "loopholes" for people to talk about, would there? Nice to see that a federal law doesnt mean anything to you--PLEASE call my house trying to collect a debt with that attitude!!! I would enjoy suing you personally, as well as your company.


Submitted by skydivr7673 on Thu, 05/17/2007 - 04:13

skydivr7673

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skydivr7673.....you should not call people a dumbass. That is not nice. But of course, you are probably not a nice person. Is that why you arent married?? If you are married, that is probably why you husband is unhappy with you. Have a nice day!


Submitted by on Thu, 05/17/2007 - 07:24

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i dont know how that CA for your foreclosure works but in Encore we route disputes to the proper department so they not be called again. or maybe that CA or the original creditor at that time needed more evidence/proof of the dispute that's why it was back with collections as you said.

and dont think anyone is that stupid to understand big words. i have the option of dissing you but it's just a waste of my time really.

ok. any more complaints guys?


Submitted by on Fri, 05/18/2007 - 00:07

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Quote:

i dont know how that CA for your foreclosure works but in Encore we route disputes to the proper department so they not be called again.


is that so? Then why are there so many complaints against ERMI that state otherwise? Clearly, you have no clue whats even going on in that company. Once again, if you would follow the laws, you wouldnt have the issues and complaints. But ERMI doesnt follow the laws, and this thread is only one small example of that. In 2004, a statewide class-action lawsuit was filed in California against ERMI....because you people dont follow the law. I have no doubt whatsoever that it isnt the only suit ERMI has experienced. In this thread alone, we see examples like this:



How are you going to sit there and say that Encore honors disputes when you dont even honor the demand for validation?? Gimme a break.

Quote:
or maybe that CA or the original creditor at that time needed more evidence/proof of the dispute that's why it was back with collections as you said.


No--no further proof was needed. The original creditor had all the proof they needed--they came forward and admitted that it was not my debt. There was no "maybe" or "could be" about it. They admitted their error and cleared my credit file. This new entry--the new CA that has the account now, they are just another bottom-feeding law-breaking bunch just like Encore is...and they will get theirs.

Quote:
ok. any more complaints guys?


yeah--stop lying in here about what your company really does and doesnt do. We're not stupid and we can read. When a dozen people post up illegal things that ERMI has done, and you come along to say that it doesnt happen like that, you clearly need to pay better attention at work. Youre not fooling anyone, believe me.


Submitted by skydivr7673 on Fri, 05/18/2007 - 04:32

skydivr7673

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when we route accounts to the proper dept. skiptrace and the original creditors puts them right back in collections. accounts are automatically transferrd to our office. and more often than not. people on the phone either have no money to pay for their bills so thay just keep lying and lying and finding loopholes to escape something the owe.


Submitted by on Mon, 05/21/2007 - 00:55

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Quote:

when we route accounts to the proper dept. skiptrace and the original creditors puts them right back in collections. accounts are automatically transferrd to our office. and more often than not. people on the phone either have no money to pay for their bills so thay just keep lying and lying and finding loopholes to escape something the owe.


then why does your company have such a history of illegal practices, complaints about those illegal practices, harassment, failure to validate debts, etc etc etc??

Whether you like it or not, I dont pretend to care, but the fact is this--you simply do not even know if a debt is valid unless your company validates it according to law. And, I have spoken to your company before--they tried to collect a debt for a company I never heard of and never did business with.When I demanded validation, the person on the phone didnt even know what validation meant!

Me: I want this debt validated as required by federal law before anything else will take place.

ERMI "collector": Well, I just validated it and the debt is yours.

Me: how exactly did you validate it yourself, just now??

ERMI moron: How do you think? Your name, address, and phone number are sitting on the screen right in front of me, so obviously it's your debt!!

you guys dont even know the definition of "validation"! So dont give me some song and dance crap about how they do this or that--too many people have had complaints about ERMI NOT doing those things for you to be telling the truth.

Quote:
people should live within their means really.
if they were responsible about their finances they wont be called up by collectors. just my 2 cents.


well, seesaw, you are mistaken. You would be surprised at the number of times CA's contact the wrong person and hound them for payment of a debt that isnt even theirs. So much for your theory, huh?? Yes, thats right--imagine being the one that lives within your means, pays your bills, right?? And a company like ERMI still harasses you with crap like this. It is simple, and if you look around this forum, you will see that I am stating fact when I say no one here is advocating that people dont pay their bills. You need to face facts and wake up from fairy tale land. The truth is that CA's call people every day in this country, wihtout following the law, without validating debts, and just assume that the debt is legitimate, when many times it is not.

Before you type another word about your theory, ask yourself this--why do the laws exist? Why do we even have a fdcpa?? because there was a need for it, thats why. CA's decided that treating people like garbage, committing acts that are criminal behavior even without this law, was the way to go. Here's a thought--maybe if CA's actually performed a legitimate service, and did it legally, then people would have no reason to complain on a forum like this. You will note that in here, no one sides with people that admit the debt is theirs and still try to get out of paying it.

Dont think I am making this stuff up--CA's have been proven to do these things. It isnt like I just pulled these claims out of my back side. And even today, with the laws in place, many of them still do the same things, because most people arent educated on the law, so they dont know they have rights.


Submitted by skydivr7673 on Mon, 05/21/2007 - 04:12

skydivr7673

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scenario no 1.

ermi collector: hey im looking for john smith

3rd party: sorry wrong number, pls take it off the list.

ermi collector: very sorry for the inconvenience. but before i delete the number i just have to verify some info. the number is 9876543 correct.?

3rd party: yeah.

ermi collector: ok il delete it sorry again.

collector route account to skiptrace.

skiptrace will search phonebooks over the net that matches cardholder's social number to the new phonenumber then brings account right back to the dialer.

so by now you guys have clear ideas how things work..?
it's not the collector's fault if the number is dialled again bc everthing is done automatically. deal with it.


Submitted by on Thu, 05/31/2007 - 04:49

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Hi: I received 7 calls from Encore today. How do I know? If I do not pick up the call, it goes to voicemail and I get some recording telling me to call them at (888) 785-7719.

How do I stop this? Capital One won't respond to my faxes. :twisted:


Submitted by on Sun, 06/10/2007 - 19:34

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Quote:

encore collectors remove wrong phone numners off the list. skiptrace puts 'em right back if found correct and if no validation of cease and desist is there.


capslock--come on now, tell the truth. Encore does not bother verifying whether or not a C&D is there. How do I know? Because I have sent them a C&D before, and they kept right on calling even after they were told over the phone that they have my C&D--you would figure that me telling you on the phone call that there is a C&D would cause someone to go look into it, no? But they didnt. Multiple times, I informed ERMI callers that they were violating a cease and desist request, which is against federal law.....and the calls still came. I dont know what kind of game youre running, but it isnt working.

As for ERMI using autodialers, that is still ERMI's fault. As a CA, they are 100% solely responsible for the performance of their system. If they have a C&D on file, then they should be taking positive measures to ensure that the number is removed from their system, so that even an autodailer cannot call it. But they do not, so again, it is the CA's fault. And that fault is punishable by up to $1000 each time it occurs....


Submitted by skydivr7673 on Fri, 06/15/2007 - 04:29

skydivr7673

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cease and desist = i dont wanna pay.
its not a valid cease and desist reason. use your imagination more guys.

i hate guys who uses credit cards, maxes it out to the limit and only pays like 5 or 6 times during the card's lifetime and send a c & d letter. oh cmon.

and the part in w/c we need to validate the debts..?
yeah that's true we validate debts once it is in a 4 due stage. meaning 90 - 120 days deliquency. we regularly send notification letters to cardholders/clients and we await their response. now once the holding period is finished and we dont receive a call or a letter from you guys then the debt is valid.


Submitted by on Sat, 06/16/2007 - 01:40

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Caps lock, your post demonstrates how little you really know about the fdcpa. Under federal law any consumer may cease & desist any third party collector at any time.No reason is required.The part about the validation is wrong too.If a consumer fails to respond within 30 days,you may only assume the debt is valid.If the consumer disputes after the 30 days,the collector has no liability to respond or cease collection.If the collector has put a account on the credit reports,he will be liable to Fdcpa & Fcra in handling that dispute. State laws also add on additional rules. I again have to wonder exactly how many collectors really know what the Fdcpa obligates them to do while collecting a consumer debt.


Submitted by cajunbulldog on Sat, 06/16/2007 - 05:58

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Quote:

cease and desist = i dont wanna pay.
its not a valid cease and desist reason. use your imagination more guys.


dude, get a clue. When it comes to a C&D, your one and only responsibility is to honor it, not to try to assume what the person thinks. You havent gotten one thing right so far in this thread about your responsibilities under the law, so I am frankly not surprised that you didnt get this one right either. YOUR obligation is not to play Amazing Kreskin with respect to the "Reason", it is to simply stop calling. The law makes no distinction there, so you dont get to either. Its that simple.

Quote:
i hate guys who uses credit cards, maxes it out to the limit and only pays like 5 or 6 times during the card's lifetime and send a c & d letter. oh cmon.


see, now here's another problem, son--you dont even know if the debt in question is valid! Until it is validated then it is not positively real. Yes, let me say that again--THERE IS NO ASSUMPTION OF GUILT IN THE LAW. The only assumption that there is, well, that would be you assuming. Innocent until proven guilty, despite your best efforts, still means something, champ...

Quote:
and the part in w/c we need to validate the debts..?
yeah that's true we validate debts once it is in a 4 due stage. meaning 90 - 120 days deliquency. we regularly send notification letters to cardholders/clients and we await their response. now once the holding period is finished and we dont receive a call or a letter from you guys then the debt is valid.

Again, you must not have been taught very well. Let's see exactly what the law states:

Section 809(c)--

[quote]The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.[/quote]

You can ASSume all you like, but at the end of the day it doesnt get you any closer to being honest. Most consumers dont even know how to contact you people, since many CA's refuse to give out the address where something like this needs to go. If it gets sent to the wrong address, it often isnt accepted, or it just gets "lost". Still, many other CA's dont even honor the validation request anyways, I am dealing with two just like that right now. And then, once you finally find a CA that sends something back after this request is made, is practically never meets the standard of proof that the law requires!

Tell me, why do you think that we send out letters CMRR?? Because you people have already shown your complete dishonesty. We need to furnish proof on our own that we sent you such documents, because you have a history of sudden amnesia about such things. Lest you forget, and you obviously have, this entire law wouldnt even exist if not for absolutely inexcuseable practices by CA's. So, cry all you want about debtors--I actually agree as most here do that a valid debt needs to be paid--but the bigger problem is not with debtors. If only you guys would actually get a clue and obey the law, there would be so much more success in your industry. And a lot less lawsuits too, I imagine. Look at your industry. Look at the number of lawsuits that CA's get. Look t the legal action being taken. Look at the places that go bankrupt, are ordered to never work in the field again, have to change their business name every year?? THINK....none of this happens because of the "evil debtor".


Submitted by skydivr7673 on Sat, 06/16/2007 - 08:40

skydivr7673

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right---collectors arent evil at all, not a single one, right?? Thats why federal laws had to be written specifically because of the very evil practices and absolutely disgusting tactics that you angelic collectors have used?? Funny, I dont see any such drastic law being written because of those darn old evil consumers. In either case, you dont have a leg to stand on here. Even when it comes to what pops up on your computer screen! You dont even know if you HAVE A DEBTOR in front of you at that point, since you dont validate the accounts like the law says you must. Until you do, and you have concrete proof that the account belongs to me, the law itself states that the assumption of guilt CANNOT BE MADE.

Is there anything else you would like to be dishonest about today? I will be right here to handle that in case there is. If not, thanks for stopping by and have yourself a wonderful day


Submitted by skydivr7673 on Sun, 06/17/2007 - 10:44

skydivr7673

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scenario 1 - debtor has no money. has a credit card balance of $4000 amount due is $700. cant pay. would like more time. receive calls.

easy solution. = this debt is not valid. dont ever call. make that in writing. im gonna sue you. then hungs up.

now if ever the debtor did take some time to what the collector has to say then everything would be fine and dandy.


Submitted by on Sun, 06/17/2007 - 23:22

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Quote:

scenario 1 - debtor has no money. has a credit card balance of $4000 amount due is $700. cant pay. would like more time. receive calls.

easy solution. = this debt is not valid. dont ever call. make that in writing. im gonna sue you. then hungs up.

now if ever the debtor did take some time to what the collector has to say then everything would be fine and dandy.


In case you were not aware, your scenarios are hardly realistic. I have already shown this with your last try at it....and here you come again with one.

Easy solution?? Look, let me spell this out for you in a nutshell. I have said it before and I will say it again--if the debt is valid then the one and only acceptable course of action in my opinion is for the debtor to PAY IT. I have racked up thousands in medical bills thanks to my having gone through a year of chemotherapy and four surgeries....and I paid every last penny of those bills off, by myself. Obviously, sport, you are barking up the way wrong tree with me, when you put these ridiculously self-serving scenarios out there. I DO pay my bills. And yet, at the same time, I have a couple of collection agencies claiming I owe them money for debts I have never heard of, IN STATES I HAVE NEVER EVEN LIVED IN. Your "easy solution" crap does not take into account too many things. For example, like I keep asking you, why does the fdcpa even exist? Here's a hint--it is NOT because of those evil nasty debtors. It is also not because "everything was fine and dandy" when people stopped to listen to what the collector had to say. So, in case you didnt realize it thus far, you arent fooling anyone here. There is a list as long as a country mile of bad CA's. Why isnt there a list just as long of good ones that actually follow the law? This is YOUR industry, pal--stop trying to make excuses or shift the blame. I do not have a single problem with a reputable collector calling and following the law in an attempt to collect a debt. Most of us do not have a problem with that. But where are these collectors?? Damn near each and every time we see one of you drop in to "educate" us evil consumers about the CA world, we see lies, double-speak, changing your tune, and generally not following the law, or even denial about what you are required by law to do! WHERE ARE ALL THESE GOOD COLLECTORS YOU MENTION? You certainly havent been telling us the right answers about what you must do under the law.

In each case I mentioned, where CA's are trying to get me to pay accounts that arent even mine, HOW DO YOU THINK I KNOW WHAT THOSE ACCOUNTS ARE?? Why, I listened to what the collector actually had to say!! I am no mindreader....that is the only way I would know. Of the three agencies like this, one has only reported to my credit bureau, one has only called me, and one has only sent me a letter without identifying the original creditor on it. I took the steps needed to find out what these accounts were. And I did it by doing EXACTLY what you just told us would make everything "fine and dandy".....thanks for all your "help" chief, but your suggestion has just been proven worthless, and not in one of your "scenarios" but in a real life example.

Look, in all seriousness, do yourself a favor--if you are willing to start being honest, then by all means I welcome you to stick around and participate. But if this is all youre going to do, then stop wasting your time and ours, and please seek life elsewhere. This place is for people who:

1--need help about being in debt
2--have experience/advice to offer those who need help

It is not here for you to make things up as you go, create "scenarios", or ignore the law. you ignore the law at work every day, I would think that's enough without you having to come here when youre home and ignore it some more.


Submitted by skydivr7673 on Mon, 06/18/2007 - 17:13

skydivr7673

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