That's just one of several questions to ask debt collectors when they call. You can end up even asking them for their personal address and social security number. Of course they will ask why you want that. The answer is, of course, I want your social security number so when I sue you for violations of the FDCPA I know that I have the right person on the summons. The point is that it sure does stop their abusive phone calls. They learn quickly that calling you gets them nowhere fast and they can't make any money that way.
It is an MP3 file not a web page or web site. You have to have a codec (player) that will load and play an mp3 audio file.
It's even better when they claim that they can't give you their COMPANY's address, without being able to open your account.
I did a bit of sleuthing just for curiosity and found out that "Meggan" is most likely from the Pioneer Credit office in Ashford, New York. They have 5 different offices in 5 different cities. I called all of them on their contact phones and asked if they had someone named "Meggan" who worked there and the Ashford office secretary said they had several people there who use the name "Meggan" so she obviously lied about her name too. She asked for the account number and said that she would need the account number in order to tell which "Meggan" to connect me to. Debt collectors lying about their identity isn't unusual at all. In fact, debt collectors often use fake names in order to protect themselves. The reason she didn't want to give out the company address is because she wanted to get a check online and was even willing to take post dated checks. As most of you will realize she committed more than enough violations in that one phone call to get her personally sued. That is the way to break them of those bad habits. Sue the individual employee. The company cannot afford to provide them with legal counsel because if they do then they admit complicity and poor training of employees. A few lawsuits against the employees who violate would make great strides in stopping the abuses. The companies have deep pockets and small lawsuits don't hurt them at all. Hit enough of their employees and it won't be long before they won't be able to hire any. If the cases are settled out of court as so many are now there won't be any non-disclosure clauses unless the company is helping the employee so the cases and the outcomes can be publicized. Which is actually better, sue the company and run into a whole herd of high priced lawyers ready to do battle with you or sue the offending employee personally and hope they just get some everyday lawyer? To make matters even better the employee has to fly to the city where you filed the lawsuit and they probably can't even afford that so you may get a default judgment. To illustrate the possible impact of filing suit against the employee personally, most states have laws that won't let you sue a state employee in the performance of their jobs. Why is that? Because the legislatures have publicly stated that if state employees were sued there would soon be a time when nobody would want to work for the state. They would not be able to hire new employees. If the states fear that then why not let the collection agencies start feeling some of the same kind of fear?
