The truth ain't in you, now, is it?

You're an expert on stealing!

Your change of heart confessed to Gunnar the prior week appears incomplete.
http://800notes.com/Phone.aspx/1-678-831-2454#p475811298599220551

Alleged debtors have become better educated on their rights out of *necessity*, not to make themselves efficient thieves. Judgment debtors, and those in grave danger of becoming one, aren't grinning ear to ear as they relax with a Mint Julep on their mansion patios. They live with a sickly oily feeling in the gut which surges each time the phone rings, the door is knocked, and mail is fetched. Who's come to take away money this time? How many lies will be told? How much shame and abuse will be endured?

The strong bias in the courts against consumers and non-lawyers all but crushes your well-worn canard of the "professional debtor", and makes it harder for many victims of collector abuse to reclaim the peace which was stolen. You may speak of "cowards", but no one quakes quite like a debt collector whose primary weapons, fearmongering and the telephone, have been knocked from his grasp by an informed and cautious person.

Debt collectors know all about "drug induced" half-a**** responses to legitimate complaints.

Adding to GiG's list ....
#05.  "Reprocution" is not a valid English word.

The repercussion from hostile collectors making illegal threats over dubious debts they refuse to validate, at least in my house, is a summons and complaint, and soon afterward a fat judgment check paid "to the order of" me.

Official-type material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... bt%20Collection

Here's another thought: prove it.

DA means "district attorney," not "attny gen."  It could also mean "dumb a?s," which describes you to a T if you think they "represent criminals."

This guy is a treat.  Called me about a family member claiming all sorts of things (felony theft, check fraud, other criminal activity).   When I asked what law enforcement agent he represented he start back peddling and attacking me.  I asked him to also leave my 80 year old mother out of this and he told me that was not for me to decide.

The net:  Total harassment.  He is a collection guy and the debt (that someone else in my family has and is working through) is less than $400.

Law enforcement needs to do something with this guy.

Admin Edit: "It's a SUSPECT comment!"
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Thanks for sharing, now go steal some more money.

heres a thought maybe just pay what you took, that saves "emberassing" phone calls to others in an attempt to contact you to compell you to pay what you took. Probably the calls were the result of false information you provided to creditors.

What do you do? How about getting a real job and stop running your little extortion scheme on the phone and on this site?

Admin Edit: "It's a SUSPECT comment!"
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recently i had a call from this #, and the gentleman was very informative and helpfull. I made arrangements to pay this back, i had gone through a difficult time and could not pay when i was supposed to. I was informed of the prgram to relieve this debt and ahve began to do so. To be honest i was the beligerant one, but the person i dealt with did not respond in a threatening way.
What i am concerned about is that i have had several of these loans, and some were paid while some were not. Do i have to pay this back. Can my wages be garnished, or my tax refund siezed. I was told that failure to resolve, and it was a reasonable resolution, would result in garnishments or tax siezure.
what do i do?

have you ever heard of check fraud, innapropriate check (draft act.), financial trans fraud, intent to defraud, theft by taking, theft by deception? this is what i have been charged with, had to hre attny, get bail, the whole 9.
maybe you should contact S. Reed D.A bexar cnty and inform her of this. They probably are not aware of your statements. I am sure that this issue will now be dropped. Thanks for all your help you freakning idiot whackjob.

refer to previous msg.
Is that a self portrait?

LOL

Debts are civil and not criminal matters....

Thanks for playing.

1: Prove that the debt is owed
2: Stop making illegal threats.
3: Debt is a CIVIL matter, not a CRIMINAL matter.
4: Go away.

shouldnt you be doing laundry, making biscuts, or something constructive.

this whole industry is crazy. The whole conceppt, the culture, everything. If people care so much about those in need then start a trust fund to funnel money to needy. That is not what this industry is for. It is seedy companies preying on people in need. It is professional debtors who steal from the seedy companies. It is collection companies trying to survive by appeasing the seedy companies, chasing the professional debtors (thieves), and trying to help those who are truely needing assistance, (these are those i am interested in. The honest hearted that are doing what they can to make it), At the same time trying to adhere to regulations that protect all parties (seedy financial companies, thieves and the honest hearted) except those who are retained to retrieve outstanding debt. Then watch those with no related interest hide behind a computer to take pot shots at others. You are cowards that do that!!!!!
Someone would have to be an idiot, fool, or crook to be involved in any of this.
Good luck to all involved, im done. You can apply whatever category you fit in.

why do people think that when they take from others there is no reprocution?
Then when people try to assist or give advice as to how to resolve the issue, there are unrelated individuals who crawl out from whatever drug induced state they are recovering from to chime in on something they know nothing about all under the pretense they are so concerned about how these people are being treated.

[This post has been removed]

"It might be a good idea when posting your sob story to remember not to admit to stealing money from people."
Sounds like you!

Woke up on the wrong side of the bed once again? Make sure you don't fall off the bed and hit your head on the floor.

*eye roll*
The usual shill response.

I thought your name was Brutas?

It might be a good idea when posting your sob story to remember not to admit to stealing money from people in the first place. It makes it dificult for those of us sympathetic to your situation to empathize with you. Maybe you should write your thoughts out first, that way you can identify, hopefully, the ridiculousness of your argument before you post it for others to read.
I dont know just a thought.

you can begin by paying the money back you stole, and then contact the attny gen. office to file.

Mr. Covington has been calling me about 2 weeks , threatening to file charges with my county for check fraud for a payday loan. This payday loan was taken out about this time last year...seems to me if it were check fraud, i'd be gone by now. He states himself as an investigator first of all, he's an older sounding aggressive man. For someone that is saying check fraud, he sure gives you tons of chances to respond. I told him that I work and i can not always get to the phone , but he recently called and said that i had till a certain time to call him and after that, he was filing charges. Hmm, i can bet money he will call me tomorrow with the same spill.


He even called my uncle and embarrassed me saying the same thing. I have a very close family that worries and they went nuts! When you call him back, you get this bogus email saying that it is Mr. Covington and to simply leave a message, not professional.


I've looked up what check fraud is and payday loans through your bank do not fall anywhere near anything or LOAN FRAUD, which deals with mortgages.  He may be doing his job , but I hope he pays for the suffering and heartache he causes ppl like myself, who is ill. How do i begin to file a complaint?

Mr. Covington calls me everyday over a payday loan that i did not pay back. I had a certain bank at the time and this man is saying i committed check fraud with my bank because i didn't pay it back. He has threatened to bring my city county into the matter . He precedes to tell me that he truly doesn't believe i committed fraud but just had a cash advance I didn't pay back and this is a courtesy call. I hope they get him up soon for harrassment.

Yeah that is great advice, the attny gen. office love to represent criminals.

With your post i am both impressed and humbled. It is apparent that you are a fine upstanding person, and your argument is flawless. I agree with most of your reasoning and admit mistake in my allegations  concerning your integrity.
the legislation i am refering to are referendums concerning FDCPA enforcement and the latitude for default penalties in pursuit of resolution of debt. There is a movement throughout the country concerning intent issues with incuring debt. I agree that people have issues arise that prevent them from completing their contractural agreements. The problem is that they are immediatly included with those who intentionally cipher money from these lending institutions to the tune of approx 1.35 billion dollars. It is these people who cause 99% of the problems and ironically it is these who are educated debtors who hide behind the laws initiated to protect those who are in financial difficulty. Couple that with the rogue agencies who use whatever means possible lawfully or unlawfully to garner liquidation for clients who feel they are defrauded. This has caused the industry of lending to reassess lending practices thus causing additional hardship for the high majority who may need assistance. The trick is to discern the diffrence in intent and need. That is the conundrum.
So there are going to be procedural changes in regards to approval in lending and consumer education in regards to default and collection practices. The education will be preliminary intro to FDCPA in the event of default. Agreements with judgement and garnishment pursual, arbitration of dispurtes, resolution options based on case evaluation and an absolute no tolerance for FDCPA violations. This will protect the lenders and the consumers as well as viable lawful recovery agencies.
To those who are entrapped by financial issues who have been honest hearted i advocate resolution that will not put them at additional risk. There are many options, and the arbitration process can assist them in this. Their wellbeing is the primary element. But, for those who intentionally steal money the small minority that they are there will be no toleration for their criminal conduct. It is unfortunate to have to deal with that part of the industry but that is just a fact of life. The chagrin comes when it appears these criminals are offerred the same protection honest citizens are. The laws and practices are to protect those honest hearted that need assistance and not those who feel they are owed something, entitleing them to manipulate the system for their own criminal pursuits.
Thank you for the education. I am going to reassses my opinions on some of these issues. I do have access to lawmakers and leaders in the lending industry as well as recovery agencies. Your points are valid and your reasoning true.
Just to let you know the moniker brutas is the identity of the refutation of the federalist papers (not all of them) that dealt with factions, shared govmnt autonomy and taxes.
Accept my apologies my comments were uncalled for, insensitive and inacurate.