620-263-3537
KS, US
 | D56 2014-06-17 23:14:57 Debt Collector |
Trying to collect from my husband (from before we married).Oh they know he died in 2012 !!
| Doug 2014-06-17 22:31:13 Unknown |
Yep, they call quite often. Dont pronounce the name right and we dont have the debt. They hang up. Make threats. Call again.
| OnTheDoNot CallList 2014-06-03 21:07:43 Unknown |
you are correct this is a debt collector
but I have no debt, had my number for over a decade and they are trying to reach someone I have never heard of...
now I think they think I am the other person...not true...
if they were legit, they could mail me something...when the do that I will respond..
in the meantime, worse then a dog who never stops barking....or pooping...ugh...
but I have no debt, had my number for over a decade and they are trying to reach someone I have never heard of...
now I think they think I am the other person...not true...
if they were legit, they could mail me something...when the do that I will respond..
in the meantime, worse then a dog who never stops barking....or pooping...ugh...
| bill 2014-06-03 16:47:11 Unknown |
who the hell are these people
| Dee.\\ 2014-05-29 02:35:19 Debt Collector |
These people call me 4-5 times a day and hang up. I told them once who I am and that they have the wrong person and they will not leave me alone. I am 82 years and have never had a debt. I never answer anymore but they continue to harass me with the calls, even at 8 AM.
| Tamianth 2014-05-28 00:11:31 Unknown |
Dm, its time to go see a FDCPA/TCPA attorney so they can help with your medical bills. Also, look into a call blocking device or phone. Google call blocking device, many are around 60.00. You don't have to get upset and they are always being sued for this kind of thing. You don't have to put up with it.
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection
And here is where you report them:
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection
And here is where you report them:
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
| DM 2014-05-27 23:55:59 Debt Collector |
Portfolio debt collection has been calling me for about five years now, even though I told them in the beginning I do not have any debts, never have. I am 82 years of age and in ill health. They call me any time of the day or night. I do not answer the phone any more but they still call and it really upsets me and they know that so they keep harassing me.
| l fuchs 2014-05-27 20:33:38 Unknown |
trash call
| anonymous 2014-05-27 15:23:59 Unknown |
If you had it declared in bankruptcy, you will need to show them your paperwork from the bankruptcy. Once they have that final release from the court and trustee, they should be able to clear it all up.
| Carlo Volti 2014-05-20 19:08:06 Debt Collector |
There are a few things that should be mentioned here. First, yes, it's PRA. However, rather than being a debt collector, they are a junk debt buyer. They purchase charged-off debts for fractions of a cent on the dollar. So, for example, they will purchase a debt with a face value of $5000 for approximately 50c. Then, they will file a lawsuit for collection in which they will state that they purchased the $5000 debt for "good and valued consideration", and will demand payment of the full amount plus court costs.
Then, they have to serve the Defendant the papers. The trick here is that the Defendant usually has a limited time in which to file an answer with the Court, so, often times, they will hire shady process servers who will swear that they served you 3-4 weeks earlier than they did so they can win the case by Default Judgement.
Batman, who claimed PRA wasn't making money, so the calls couldn't be from them is dead wrong. They ALWAYS make money because, even without back-dating the service, most people will ignore the summons out of fear, and will lose the case by default judgement. So, if PRA spends $100,000 per year purchasing junk debts with a face value of $1 billion dollars, and only collects 1% of these debts by default judgement, they will receive $10,000,000.
There are two purposes for these harassing calls. The first one is to try to set up a phony payment arrangement. They will use scare tactics to convince the defendants that it would be better to work out an arrangement with them rather than go to court. Then they will promise to drop the case in return for accepting the payment arrangement. They also will not give receipts for any payments made until the debt is paid in full. They will then do their best to convince the defendant that, even if they get a notice from the Court telling them to appear, it is just a clerical error and they do not need to appear. Obviously, they do NOT cancel the case, and when the defendant does not show up, they ask for a default judgement for the FULL AMOUNT of the debt, and they get it, PLUS, they get to keep any money you paid them on the payment arrangement as well, since there is no proof you ever paid them anything.
The second reason for the calls has to do with a loophole in the credit collection laws. Even if a debt has long passed the statute of limitations, if you are called by a debt collector about that debt, and you identify yourself as the person who owed that debt, and discuss anything with the debt collector, he can have the statute of limitations clock reset to day 1 and proceed as if it was a brand new debt. So, your best advice is to either never answer calls you suspect are from debt collectors (or PRA), or, if you do answer, and they ask if you are so-and-so, or call you by name, just play dumb and say that you never heard of that person, and politely say goodbye and hang up. Do not admit to being the person they are looking for, do not engage them in a conversation, do not admit to owing the debt, do not state that you will not pay them a single penny, etc,.etc,.etc. Any of these actions will allow them to have the clock reset so they can proceed against you as if it was a brand new debt.
I was once told that denying your identity was a crime. I asked the person to show me the statute stating this was a crime and he couldn't. He tried to claim that if someone called you, or came by your house, or approached you on the street and asked you if you were you, and you either said you weren't, or you refused to answer that it was a serious crime. It is not. It is only a crime to refuse to identify yourself if you are asked for identification by a member of law enforcement, a person of authority in the military when on a military installation, or during martial law, or by an officer of the Court (for example, if you were being served documents, or a subpoena). Debt collectors, and Junk debt buyers do NOT fall in any of those categories, so, deny away :p.
Then, they have to serve the Defendant the papers. The trick here is that the Defendant usually has a limited time in which to file an answer with the Court, so, often times, they will hire shady process servers who will swear that they served you 3-4 weeks earlier than they did so they can win the case by Default Judgement.
Batman, who claimed PRA wasn't making money, so the calls couldn't be from them is dead wrong. They ALWAYS make money because, even without back-dating the service, most people will ignore the summons out of fear, and will lose the case by default judgement. So, if PRA spends $100,000 per year purchasing junk debts with a face value of $1 billion dollars, and only collects 1% of these debts by default judgement, they will receive $10,000,000.
There are two purposes for these harassing calls. The first one is to try to set up a phony payment arrangement. They will use scare tactics to convince the defendants that it would be better to work out an arrangement with them rather than go to court. Then they will promise to drop the case in return for accepting the payment arrangement. They also will not give receipts for any payments made until the debt is paid in full. They will then do their best to convince the defendant that, even if they get a notice from the Court telling them to appear, it is just a clerical error and they do not need to appear. Obviously, they do NOT cancel the case, and when the defendant does not show up, they ask for a default judgement for the FULL AMOUNT of the debt, and they get it, PLUS, they get to keep any money you paid them on the payment arrangement as well, since there is no proof you ever paid them anything.
The second reason for the calls has to do with a loophole in the credit collection laws. Even if a debt has long passed the statute of limitations, if you are called by a debt collector about that debt, and you identify yourself as the person who owed that debt, and discuss anything with the debt collector, he can have the statute of limitations clock reset to day 1 and proceed as if it was a brand new debt. So, your best advice is to either never answer calls you suspect are from debt collectors (or PRA), or, if you do answer, and they ask if you are so-and-so, or call you by name, just play dumb and say that you never heard of that person, and politely say goodbye and hang up. Do not admit to being the person they are looking for, do not engage them in a conversation, do not admit to owing the debt, do not state that you will not pay them a single penny, etc,.etc,.etc. Any of these actions will allow them to have the clock reset so they can proceed against you as if it was a brand new debt.
I was once told that denying your identity was a crime. I asked the person to show me the statute stating this was a crime and he couldn't. He tried to claim that if someone called you, or came by your house, or approached you on the street and asked you if you were you, and you either said you weren't, or you refused to answer that it was a serious crime. It is not. It is only a crime to refuse to identify yourself if you are asked for identification by a member of law enforcement, a person of authority in the military when on a military installation, or during martial law, or by an officer of the Court (for example, if you were being served documents, or a subpoena). Debt collectors, and Junk debt buyers do NOT fall in any of those categories, so, deny away :p.
| BTL 2014-05-20 16:20:51 Unknown |
My 11 year old granddaughter's phone was left at my house. It rang just now and I checked to see who was calling her. It was portfolio. Totally disgusting people. Should not be allowed. She has been getting calls from other collection companies and many telemarketing companies since cell phone numbers have been released.
| Tred 2014-05-17 11:04:31 Debt Collector |
Hey Benny, great post, great association skills. When dealing with PRA who also go by Anchor Receivables Management http://www.bbb.org/norfolk/business-reviews/d ... olk-va-51000164 who's predatory collection tactics have no bounds using disguises only a group of cowards could develop. Contact, complain, expose to all state and federal consumer protection agencies. This non compliant corrupt business entity using many networks, associations, affiliations that include marketing / telemarketing / charities / card services / surveys / automated calling without identification, and whatever else imagined to deceive and prey on debtors their relatives and friends. These "associated numbers" "alternate numbers" "wrong numbers" abuse and exploit families and friends that include children, elderly, vulnerable, and uninformed. Their BBB report does not reflect their predatory and cowardly business tactics, they just reply to complaints with dismissive untruthfulness. This is a predatory business culture and no different from iQor, NCO, URS, CAB, AFNI, MCM, Convergys, Protocol Global Solutions.
| Benny B 2014-05-17 10:06:53 Debt Collector |
This is a definitely a "gotcha" number as it comes to debt collectors. You call back & receive a pre-recorded message asking to just leave a message about the free "thing". Now they "gotcha" on tape saying that you wish to be contacted, which they do via various other numbers.
Basically, if you are contacted by this number than you or someone who has lived at your house owe some money to collections. They set up an appointment and then serve you up papers. Do not set up appointment or you and / or somebody you know are f****d.
My house, and someone else's garage, had just been robbed two weeks prior & the debt collectors mentioned the robberies in the area. They promised a free home-alarm unit with installation & activation for free with a $36 per month fee to have it hooked to the police.
In my case, I consider this scam to be totally low-class as my home had just been broken into and most major electronics were taken along with some jewelry and a small amount of cash / change. We had been living in this neighborhood for 24 years, and while I wouldn't necessarily call it a safe area, even all of the local gangbangers, that had come & gone on the block, had never done anything to me or my property besides stupid gang tags on the back of your garage a few times per year. But never had somebody kick in my back door and break it down to steal my stuff.
And these debt-collections would stoop THIS low, to take a family tragedy that has deeply hurt my Mother & lil' Sister so much and caused our family much worry.
You know what, maybe I should invite them over to my house. They can clean up the mess the theives left of some of my rooms. That's all they're going to get from me, cause it all got stolen.
Oh, and the various numbers the called me from were mostly local to my area but here they are: 708-991-2137 (ext.500 lol), 708-991-2631, & 620-263-3537 = which is the debt collector's main line in my area.
Basically, if you are contacted by this number than you or someone who has lived at your house owe some money to collections. They set up an appointment and then serve you up papers. Do not set up appointment or you and / or somebody you know are f****d.
My house, and someone else's garage, had just been robbed two weeks prior & the debt collectors mentioned the robberies in the area. They promised a free home-alarm unit with installation & activation for free with a $36 per month fee to have it hooked to the police.
In my case, I consider this scam to be totally low-class as my home had just been broken into and most major electronics were taken along with some jewelry and a small amount of cash / change. We had been living in this neighborhood for 24 years, and while I wouldn't necessarily call it a safe area, even all of the local gangbangers, that had come & gone on the block, had never done anything to me or my property besides stupid gang tags on the back of your garage a few times per year. But never had somebody kick in my back door and break it down to steal my stuff.
And these debt-collections would stoop THIS low, to take a family tragedy that has deeply hurt my Mother & lil' Sister so much and caused our family much worry.
You know what, maybe I should invite them over to my house. They can clean up the mess the theives left of some of my rooms. That's all they're going to get from me, cause it all got stolen.
Oh, and the various numbers the called me from were mostly local to my area but here they are: 708-991-2137 (ext.500 lol), 708-991-2631, & 620-263-3537 = which is the debt collector's main line in my area.
| Lisa B 2014-04-29 20:14:13 Unknown |
How can I find out about AL's ?
| eddy 2014-04-22 22:59:29 Unknown |
these guys call me twice a day. first my husbands cell rings with them calling. then a minute later, my cell rings. this happens twice a week or better. we do not answer as we do not want to. Sure sucks having our phones ring within minutes of each other.
| Walker aguila 2014-04-22 22:22:40 Unknown |
Pay your bills be-atch
| Cuzzin Neufy 2014-04-22 21:37:11 Debt Collector |
Caller ID says Burlington KS. They asked for someone I don't know and said they would flag this as a wrong number. Yah sure you betcha!
| Jack 2014-04-22 19:50:45 Unknown |
I don't answer any phone calls from numbers I don't know. If they don't leave a message, they must not want to talk to me very bad.
| John 2014-04-16 18:01:39 Unknown |
All the numbers below are just some of Portfolio Recovery (AKA Bottom Feeders) phone numbers. I have over 125 numbers from these scumbags and will update the number list soon.
VOIP phone service is great because they call once and I just add them to my blocked number list. :-) They've been calling me for years and still haven't spoken with me. LOL
1 (140) 493-2124
1 (202) 803-4915
1 (204) 949-3108
1 (205) 396-3619
1 (205) 423-4020
1 (205) 588-8181
1 (205) 977-6681
1 (206) 496-0928
1 (207) 327-0000
1 (212) 000-4956
1 (213) 788-7352
1 (215) 944-8989
1 (216) 450-1060
1 (216) 452-1060
1 (217) 280-4885
1 (217) 688-4370
1 (219) 512-9252
1 (224) 588-5210
1 (239) 642-8598
1 (240) 210-7114
1 (253) 382-9938
1 (281) 691-6294
1 (347) 429-9147
1 (510) 343-3502
1 (517) 902-0004
1 (620) 263-3537
1 (630) 405-7983
1 (630) 953-7370
1 (678) 265-1570
1 (678) 265-1571
1 (678) 265-1572
1 (785) 584-6085
1 (786) 522-2805
1 (815) 280-5746
1 (817) 479-9154
1 (817) 500-4360
1 (817) 500-9094
1 (855) 556-3094
1 (859) 586-9560
1 (859) 918-0780
1 (859) 918-0782
1 (864) 248-8700
1 (864) 268-3762
1 (866) 643-1412
1 (866) 803-1343
1 (877) 236-5791
1 (914) 595-7030
1 (914) 595-7031
1 (914) 595-7032
1 (914) 595-7033
1 (914) 595-7034
1 (914) 595-7035
1 (918) 442-0320
1 (954) 380-8933
1 (973) 947-4806
1 (980) 939-7534
1 (989) 624-8435
1 (989) 624-8436
1 (989) 624-8437
1 (989) 624-8438
1 (989) 624-8439
1 (989) 624-8440
1 (999) 999-9999
VOIP phone service is great because they call once and I just add them to my blocked number list. :-) They've been calling me for years and still haven't spoken with me. LOL
1 (140) 493-2124
1 (202) 803-4915
1 (204) 949-3108
1 (205) 396-3619
1 (205) 423-4020
1 (205) 588-8181
1 (205) 977-6681
1 (206) 496-0928
1 (207) 327-0000
1 (212) 000-4956
1 (213) 788-7352
1 (215) 944-8989
1 (216) 450-1060
1 (216) 452-1060
1 (217) 280-4885
1 (217) 688-4370
1 (219) 512-9252
1 (224) 588-5210
1 (239) 642-8598
1 (240) 210-7114
1 (253) 382-9938
1 (281) 691-6294
1 (347) 429-9147
1 (510) 343-3502
1 (517) 902-0004
1 (620) 263-3537
1 (630) 405-7983
1 (630) 953-7370
1 (678) 265-1570
1 (678) 265-1571
1 (678) 265-1572
1 (785) 584-6085
1 (786) 522-2805
1 (815) 280-5746
1 (817) 479-9154
1 (817) 500-4360
1 (817) 500-9094
1 (855) 556-3094
1 (859) 586-9560
1 (859) 918-0780
1 (859) 918-0782
1 (864) 248-8700
1 (864) 268-3762
1 (866) 643-1412
1 (866) 803-1343
1 (877) 236-5791
1 (914) 595-7030
1 (914) 595-7031
1 (914) 595-7032
1 (914) 595-7033
1 (914) 595-7034
1 (914) 595-7035
1 (918) 442-0320
1 (954) 380-8933
1 (973) 947-4806
1 (980) 939-7534
1 (989) 624-8435
1 (989) 624-8436
1 (989) 624-8437
1 (989) 624-8438
1 (989) 624-8439
1 (989) 624-8440
1 (999) 999-9999
| Fred 2014-04-15 19:50:28 Unknown |
Caller asked for my adult son. When I asked if I could take a message, she said it was a personal business call and said she would try again at another time. (I put this in for 620-263-3573, sorry, I transposed the last two digits.)
| RatLady 2014-04-08 20:30:22 Unknown |
I have been getting calls on my cell phone from this number and many others from area codes that I have no contact with. I don't answer them. I wish they'd stop!
| Cinnless67 2014-04-02 01:32:34 Unknown |
We are in the same boat....capital one.....small balance that turns into a much larger balance after THEY did not close the loc when asked, then the balance grew and grew due to their own charges they applied, and when one tries to work with them to settle, they want an absurd amount....when they tried their "scare tactics" on me, I threw it right back in their face as I have been in the collection business for over 17 years and am very familiar with the Fair Debt Collection Practices Act. I encourage everyone to know their rights and don't let anyone bully them.
| karanna 2014-03-25 20:02:56 Unknown |
OMG! I get so many calls from them! I have them in every area code in the country I bet from a few joint debts my ex and I incurred in the early 2000's. HE went to prison, I got my act together and they hunt me down for something like $1,800. I probably would have paid it, but they have done everything from threatened me with nefarious legal action to calling me "b#$%es" and "w%$#s"! So I mess with them back. Sometimes I pretend I can't speak English, but I usually don't answer the phone anyhow.
| grammarnazi 2014-03-25 20:02:48 Unknown |
*statute
| rebelcherokee 2014-03-21 22:20:49 Debt Collector |
here is a list of phone #s I took off my caller id for Portfolio Recovery.
817-479-9154; 412-235-6111; 516-343-3502; 713-347-4195; 817-500-9094; 404-719-4368; 205-396-3619; 817-500-4368; 602-635-3897; 440-638-5278; 620-263-3537. They probably have a bunch more, that haven't called my number.
817-479-9154; 412-235-6111; 516-343-3502; 713-347-4195; 817-500-9094; 404-719-4368; 205-396-3619; 817-500-4368; 602-635-3897; 440-638-5278; 620-263-3537. They probably have a bunch more, that haven't called my number.
| Resident47 2014-03-19 22:20:58 Unknown |
The commentor didn't specifically say that but implied it. PRA might have placed a new tradeline, possibly attempting to fudge the date of last payment.
| Resident47 2014-03-19 14:46:17 Unknown |
} included that they could not put this on my credit report or sue me for it on the letter head.
Possibly Texas law is making PRA disclose that, as Mass and California do. With SoL expired you can safely tell PRA which cliff to jump off.
Possibly Texas law is making PRA disclose that, as Mass and California do. With SoL expired you can safely tell PRA which cliff to jump off.
| Resident47 2014-03-19 14:09:01 Unknown |
} What they are doing is a direct violation of the (Fair Debt Collection Practices Act of 1972
We don't know for fact that the commentor has FDCPA claims, or if so that they are "within stat". The FDCPA became effective 36 years ago tomorrow, not 42, and was last amended October 2006.
} All we have to do is tell them they are being recorded
Maybe in your state that's so, or you must hear that notice from the other party. Most of the country accepts single party consent, meaning evidence recordings need not be announced.
} they have to prove you owe what they say
True, if validation is demanded by written notice within the 30 days set forth in FDCPA §1692g. You can't expect the same reaction any time you please or over a phone call. I would think even a former collector would know this.
) if the number is not correct you can sue the collection company for 10% of their value plus attorney fees for every case, and the collector is liable for 1000 dollars per incident as well.
Wow, major confusion over FDCPA liability, which can be for much more than an incorrect dollar figure. The percentage of net worth of an agency is *ONE* percent, and that figure is an award cap available only to members of a class action, something few FDCPA plaintiffs can muster. The $1K is a statutory limit available but not guaranteed to all winning plaintiffs *per civil action* and not per violation. So many people get that wrong despite the plain English in the provision.
FDCPA § 1692k. Civil liability
http://www.law.cornell.edu/uscode/text/15/1692k
} statute of limitations is, about the time period that the money is owed ....
Your statement blunders its way to being correct, but we have to be clear that consumer debts can be said to be "owed" forever or until extinguished. SoL only cuts off the ability to make a judge help collect, and resetting SoL is indeed a primary goal of the junk debt collector.
} I used to collect, now I am their worse [sic] nightmane [sic] lol
If you say so. No offense meant, but debt collectors tend to have learned a lot of nonsense at their jobs about what consumer law says and how it works. I support your defiance of your former industry, but please do some homework before you try to advise others.
We don't know for fact that the commentor has FDCPA claims, or if so that they are "within stat". The FDCPA became effective 36 years ago tomorrow, not 42, and was last amended October 2006.
} All we have to do is tell them they are being recorded
Maybe in your state that's so, or you must hear that notice from the other party. Most of the country accepts single party consent, meaning evidence recordings need not be announced.
} they have to prove you owe what they say
True, if validation is demanded by written notice within the 30 days set forth in FDCPA §1692g. You can't expect the same reaction any time you please or over a phone call. I would think even a former collector would know this.
) if the number is not correct you can sue the collection company for 10% of their value plus attorney fees for every case, and the collector is liable for 1000 dollars per incident as well.
Wow, major confusion over FDCPA liability, which can be for much more than an incorrect dollar figure. The percentage of net worth of an agency is *ONE* percent, and that figure is an award cap available only to members of a class action, something few FDCPA plaintiffs can muster. The $1K is a statutory limit available but not guaranteed to all winning plaintiffs *per civil action* and not per violation. So many people get that wrong despite the plain English in the provision.
FDCPA § 1692k. Civil liability
http://www.law.cornell.edu/uscode/text/15/1692k
} statute of limitations is, about the time period that the money is owed ....
Your statement blunders its way to being correct, but we have to be clear that consumer debts can be said to be "owed" forever or until extinguished. SoL only cuts off the ability to make a judge help collect, and resetting SoL is indeed a primary goal of the junk debt collector.
} I used to collect, now I am their worse [sic] nightmane [sic] lol
If you say so. No offense meant, but debt collectors tend to have learned a lot of nonsense at their jobs about what consumer law says and how it works. I support your defiance of your former industry, but please do some homework before you try to advise others.
| Resident47 2014-03-19 14:08:56 Unknown |
} Sears in 2001. I had a big problem with them and I refuse to pay ... Sears charged off the account in 2003.
About that time the Sears share price was getting killed by its "distressed assets", which I suspect was a direct result of Sears jerking around its credit customers. I think for a while it was content to make fast sales to LVNV and PRA, but in 2003 Sears put its entire in-house credit division up for sale, which took almost the whole year to find a bank willing to take over. When CitiGroup mercifully bought the pile that November, it was not reported until later just how many clunker accounts Sears dumped on them. An unhealthy percentage of those debt claims were for various reasons either uncollectable or illegitimate.
} ... most if not all of those consumer protection laws were repealed by the Republican congress. .... harder to claim hardship, harder for people to be able to file backrupsy [sic] ...
Well, naturally people cannot ask for backrubs in a courtroom. That would be creepy.
Maybe you could suspend the pessimism for ten minutes and see that the linked material has nothing to do with your laments about obtaining credit or filing *bankruptcy*, but what happens between those two events when debt collectors go on their foxhunts. In 2002 I had a problem like yours. When I was through being confused, frightened, and upset, I became educated about those laws you've dismissed with a wave. Dirty debt collectors don't make a fool of me and some wind up paying me for the hassle they cause.
} I have expensive lawyers and they told me that they can continue to collect as long as they can reach me.
Your expensive lawyers know less about consumer law than you do, and they have paralegals helping them. You have a right to dispute PRA and any other agency. You have a right to quieter phones. You have a right to sever all contact if you like, and it's possible you can do so without fear of being sued due to the account's age. You can exercise those rights without a costly or a cheap lawyer holding your hand. Again, do your homework and stop reliving your Bush Junior era grudges.
} collection notices from Porfolio [sic] Recovery .... on bills I had already paid ... they have spent years ruining my credit
Misrepresenting the "character, amount, or legal status of any debt" violates FDCPA. If PRA is telling lies to the credit bureaus (and not "beareaus") and won't kindly remove them, you have FCRA claims. That's two ways to win back some money and dignity. Did your high-priced legal team miss those items too?
} you could get targeted by them.
Let them come. I'll count up the law violations for which they are famous and target them back, on their dime.
} Can you imagine ... charging penalties and fees on a debt from 2001?
Yes, I can, and so can PRA, and so can any other debt buyer, and so can their many defendants in county courts everywhere. The ability to enforce an old contract comes with the low purchase price of those junk portfolios. Lender contract terms and binding state law dictate how fat the debt claim can grow. Daily compounded interest stacks up in a hurry, you notice.
Supporting your side is the fact that "full media" proving anyone owes are rarely part of that portfolio. Creditors often unload those debts knowing they're a high risk if challenged, which explains the fire sale pricing, and insisting that buyers not ask any questions or seek validation. Debt buyers would rather bully and bluff their way into your bank vault than repair the chain of title, anyway. Their pleading papers will be often defective and the hustler lawyers they hire are prone to generate more FDCPA violations on top of the buyer's.
About that time the Sears share price was getting killed by its "distressed assets", which I suspect was a direct result of Sears jerking around its credit customers. I think for a while it was content to make fast sales to LVNV and PRA, but in 2003 Sears put its entire in-house credit division up for sale, which took almost the whole year to find a bank willing to take over. When CitiGroup mercifully bought the pile that November, it was not reported until later just how many clunker accounts Sears dumped on them. An unhealthy percentage of those debt claims were for various reasons either uncollectable or illegitimate.
} ... most if not all of those consumer protection laws were repealed by the Republican congress. .... harder to claim hardship, harder for people to be able to file backrupsy [sic] ...
Well, naturally people cannot ask for backrubs in a courtroom. That would be creepy.
Maybe you could suspend the pessimism for ten minutes and see that the linked material has nothing to do with your laments about obtaining credit or filing *bankruptcy*, but what happens between those two events when debt collectors go on their foxhunts. In 2002 I had a problem like yours. When I was through being confused, frightened, and upset, I became educated about those laws you've dismissed with a wave. Dirty debt collectors don't make a fool of me and some wind up paying me for the hassle they cause.
} I have expensive lawyers and they told me that they can continue to collect as long as they can reach me.
Your expensive lawyers know less about consumer law than you do, and they have paralegals helping them. You have a right to dispute PRA and any other agency. You have a right to quieter phones. You have a right to sever all contact if you like, and it's possible you can do so without fear of being sued due to the account's age. You can exercise those rights without a costly or a cheap lawyer holding your hand. Again, do your homework and stop reliving your Bush Junior era grudges.
} collection notices from Porfolio [sic] Recovery .... on bills I had already paid ... they have spent years ruining my credit
Misrepresenting the "character, amount, or legal status of any debt" violates FDCPA. If PRA is telling lies to the credit bureaus (and not "beareaus") and won't kindly remove them, you have FCRA claims. That's two ways to win back some money and dignity. Did your high-priced legal team miss those items too?
} you could get targeted by them.
Let them come. I'll count up the law violations for which they are famous and target them back, on their dime.
} Can you imagine ... charging penalties and fees on a debt from 2001?
Yes, I can, and so can PRA, and so can any other debt buyer, and so can their many defendants in county courts everywhere. The ability to enforce an old contract comes with the low purchase price of those junk portfolios. Lender contract terms and binding state law dictate how fat the debt claim can grow. Daily compounded interest stacks up in a hurry, you notice.
Supporting your side is the fact that "full media" proving anyone owes are rarely part of that portfolio. Creditors often unload those debts knowing they're a high risk if challenged, which explains the fire sale pricing, and insisting that buyers not ask any questions or seek validation. Debt buyers would rather bully and bluff their way into your bank vault than repair the chain of title, anyway. Their pleading papers will be often defective and the hustler lawyers they hire are prone to generate more FDCPA violations on top of the buyer's.
| Resident47 2014-03-19 14:08:49 Unknown |
I'm not seeing a shill but someone resigned to the role of a stubborn victim, taking a fatalistic view that all parts and agencies of government work against us and thus not bothering to perform the few minutes of due diligence which might change that person's view.
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