ooohhhh So I was right then, collectman is a CA...... Grow up and pay.. what the heck does that mean, then why dont the majority of the CA's grow up and collect only the lawful items instead of going after 82 year old grandmas for a 3.00 library bill inwhich they of course illegally added 500.00 in late fees and scared the women to death until she apid it. It is a 2 way street and to the best thing that is happening recently is consumers are becoming very knowledgable and are kicking CA's butts every day. I thought so because he twist the law around to his liking everytime someone ask a question. A contract is only good as the paper it is written on, and in 99.9% of the cases scum CA's do not have the paper it is written on therefore If you cannot prove to me its mine, then it is not mine. Send a C&D with " please do not call me ". Then go ahead and answer the call because they ALL break the laws and do whatever they want. I got 1,000 paycheck from Paragon for calling me after I asked them to stop. I had the cell phone records and they paid pretty quick. I have collected more then 3k from CA's for them breaking the law and do not know all of the things I need to know about consumer rights and credit laws. I have Arrow on the ropes right now because I sent them a DV letter with the CD in it and what did the dumasses do, they sent me another dunning... 1k violation, continued collection activity and they did not mark it as in dispute on my CR.. another 1k violation. OP.... If they can prove it is your bill, which is the law, they cannot collect it. Besides if it out of your states SOL they cannot touch it anyway. They are calling because they know they only have so much time left and they cannot even report it after that.
Send them a CD CMRRR, it's like money in the bank, they love to break the laws but then want you to follow them.... You do not owe the debt because they cannot prove it or even collect it anymore, send the letter right away, if they are smart they will stop " harrassing you ". By the way the FCRA has a violation for them doing that as well. Keep records of all the calls.
You have to be a certain type of breed person to be a CA.. Many of us just wouldn't qualify because you have to be ruthless, rude, mean, cruel and flat out able to twist laws to get paid. I too think it is funny a CA wants and uses certain laws to an advantage but fails to forget the top dog in consumer protection, FDCRA/FCRA which the CAs hate one day and love the next.
Collection Agents and Deadbeat Debtors I think that it's fair to say there are both ruthless and amoral Collection Agents. I think that it's also fair to say there are Deadbeat Debtors who have no problem cheating the system. The existence of one, however, doesn't justify or excuse the existence of the other. At least we have a variety of laws that can be applied to financially punish the less-than-scrupulous collection agents. Does it suck that there are criminals? Sure. Does it suck that you have to fight them in court? Sure, there are lots of better things I could do with my time. But as the previous poster said, because of the law, you CAN make it worth your while try and keep the unscupulous collectors honest. IMO, the real crime is that more people don't know their rights or don't care to enforce them. THAT is what makes it possible for the unscrupulous CA's to thrive. If more people started holding them accountable to the point it was no longer profitable to lie, cheat, and threaten money out of people, then those CAs (like AFNI, for example) would dry up and go away. But, for the time being, there's still too much money to be made doing what they're doing so they'll keep doing it. It's nothing personal, to them it's just a numbers game.
Hey A-hole this forum is not for Debt Collectors or Collection Agencies. Get a life and a new board to bother people on..
Hey Collectman you are on the wrong side, and obviously the wrong board. This link is somthing special for debt collectors like you! http://www.billcollectorinabox.com/legal.html
Just because someone works in the industry, doesn't mean that they aren't a consumer. Yes, the post which was quoted got under my collar too, but he also posts valuable information at times.
There are often several approaches to solving these problems. Collectman's posts are valuable for several reasons: 1) They offer insite into how debt collectors view and are likely to handle various consumer dispute actions. 2) They offer insite into how debt collectors are trained, and how they may interpret FDCPA and FCRA compliance issues, what actions the industry considers to be crossing the line, and what they expect they can get away with. 3) They often point out pragmatic approaches to handling debts in collection, based on his experience. As such, they are complimentary to other suggestions based on consumer experience or interpretations of FDCPA or FCRA.
