debt collector -Justin-
Date: Wed, 02/08/2012 - 11:49
Submitted by hucksterprattler
on
Wed, 02/08/2012 - 11:49
Total Replies: 7
As a legitimate debt collector I can tell you that it can be quite frustrating dealing with debtors that don't understand the laws. If you are getting a call from a collection agency, ask politely for validation of the debt. Once they verify the original creditor and the amount you owe it is the consumers responsibility to follow the chain of titile to verify the debt. NOT THE COLLECTORS.
It's actually pretty easy. You can contact the creditor and verify the original account number and date opened. They will tell you and confirm the information and refer you over to the party they sold the account to. Call the place they refer you over to and so on.. repeat. You will eventual get back to the collector and agency you are dealing with their by validating and confirming your debt is legitimate.
We understand and sympathize for everyone's situation. We know that the fees can sometimes be outrageous and unjust. Even though they are in accordance with state law and regulation. That is why we will reduce the fees and help you pay what if rightfully owed. But please, just be polite and patient as we have a job to do and we want to help you take care of your obligation.
I hope this help some people take the right course of action and not treat the representative in and unbecoming manner. WE ARE PEOPLE AND DEBTORS TOO. WE HAVE BILLS LIKE EVERYONE ELSE.
You're incorrect, "Justin." It is the collector's responsibil
You're incorrect, "Justin."
It is the collector's responsibility to prove the consumer owes the debt. Period.
It is the consumer's responsibility to request the debt be validated. Not verified. There's a difference between the two. That request must be in writing, not simply asked over the phone.
Don't tout your BS here.
Justin...I am a former student loan collector. You obviously ha
Justin...I am a former student loan collector. You obviously have never read the FDCPA. I suggest you google it. You are clueless.
Wrong!!
Are you an attorney? didn't think so.. How's this for proof.
The FDCPA does not define what constitutes proper debt validation, and the issue has not been fully resolved by the courts. In the leading case of Chaudhry v. Gallerizzo, the Fourth Circuit Court of Appeals adopted a relatively low standard: "Verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the alleged debt."
check your sources.
If you formally dispute the debt. YOU.. YOU have to notify the agency that has the debt. All they have to do is identify the creditor and contact information with basic information about the debt.
You and everyone else that owes a bill will give excuse after excuse why they shouldn't pay their bill.. Stop thinking of ways to get out of paying your bills.
If you actually truly believe something to be fraud and not your debt.. it is your civil duty as a citizen of the united states to report it to your local authorities as a crime. If you do not you are knowing allowing a crime to take place. Even though it's against you. And if you aren't willing to do that, (probably because you don't believe it to be fraud and you just want to get out of paying it.) Then you should just pay your bill because you know it's yours!!!
By the way if you report it to be fraud and it is actually your bill, then you are committing a crime. Just saying. By the way I'm not an attorney. I'm a professional bill collector and you are a professional debtor!!!
PAY YOUR BILLS!!!
moron
typical humanoid collection clown.your terms are some we have seen countless times like
professional debtors
looking for excuses,and the alltime great
PAY YOUR BILLS
please do not try getting your cheese by us again,and back to the phones as i highly doubt you are with a legit collector.GET LOST!!!!!!!!!!
Wow taking a little personally there
Sorry, I didn't mean to sound clich??, nor did I mean that in a derogatory tone. I was a bill collector by the way. I worked my way up and owned my own agency and now I broker debt. I know the law. It might be from a collector's point of view. But everyone interprets the law from their perspective. All I know is that I have proven multiple times that in these circumstances the law is on my side as far as verifying the validity of debt.
As far as enforcing it, now that's another story. Cirtain states are on the consumer's side. Like Texas. 3 years and statutes up. Which is why you have to actively pursue either a judgement or actively bill collect to get payment.
Listen, I'm not trying to be mean here. But, I've been in this industry for 12 years. I've bill collected, filed judgements and bought and sold debt. I know the laws when it comes to the creditor and debtor relationship.
Why are you taking it so personally I'm just giving you my opinion, which happens to be right. You are obviously not a creditor or collector. Become one someday and your views might change. ;)
yawn
you amuse me.first you attack then you act indignant and bring up"it's my opinion"which is only half right at best.again which collector do you work for?btw thread locked as the SOL IN TX is 4yrs not three.the info justin posts is wrong and i see no further point to keeping this open.