Who is this from?

I really don't know how you people can sleep at night. Even if we somehow suspend disbelief and take everything you say as The Gospel Truth(tm), you shills are still scum.  The rules debt collectors have to follow not only protect debtors, but also OTHER CREDITORS who are supposed to be treated fairly, too.

So stop defending yourselves by claiming you are morally superior to the debtors who want bill collectors to obey the law.  YOU are the leeches who are morally bankrupt for making it harder for legitimate creditors to collect, using fair and legal methods, legitimate debt from legitimate debtors.

If you were happy with what they provided,  then that is your business and yours alone.  What you were provided with may have been acceptable to you,  but would not have been acceptable to others in that it may not be what is considered legal and acceptable validation under the law or questionable documentation. The only way for a person to know that the collector has this validation and has a legal right to claim and collect in a state  is for the collector to send that written validation via usps mail to the alleged debtor.   I do not owe anyone anything.  Not even for my home which is paid for.  However,  if someone called me over the phone and said that I owed a debt,  There is no way that I would just hand over the money.   I would demand written validation and all that the FDCPA says that I am entitled to have, i.e. everything that  "Good Advice's"  post quoting the FTC says I am entitled to.  Nothing less.  And I would hold their Feet to the Fire to make sure that they met that  5 day deadline too.  The true purpose of a person demanding Debt validation from a collector is not so much to determine if he did in fact create the debt,  because everyone knows whether or not they created a debt.  But to determine whether the collector is in possession of enough legal documentation (validation) to prove that the debt is legally collectable under the law.  If you or anyone else receives a collection bill,  with dates and numbers on it,  and consider that enough to pay,   then....it's your money.   I however will need more.  I have not owed a debt of any kind since 1998.  Yet I have had several debt collectors contact me within the past couple of years with bogus claims of payday and online loans.  Demanding,  threatening, harassing,  trying to whip me into submission of paying.  Yet,  neither could validate because there was no debt.  They kept calling.  I finally purchased a call blocker.  I have a very strong disdain for alleged debt collectors who use those tactics.  I believe that anyone who owes a debt that is past due,  should pay it if it is within their financial and circumstantial means.  Assuming that the debt is validated in accordance with the FDCPA and still legally collectable under that states laws and statute of limitations, and that the collector is licensed to claim and collect in that state.  Anything else is unacceptable under circumstances.

I would agree if most people truly would take responsability most people out there try and find reason or excuses not to pay but in reality the debto never goes away and from my perspective this is the first Agency that didn't ask me for my information they provided it all without me haveing to devuldge anything.i received all necessary verification as i requested and to be honest as much as i didn't want to pay it truly was a sigh of relief knowing all the ignorant calls to my friends and family have stopped and i received a Paid in full with all necessary information to verify my case has been closed and i was able to use that information for all of these other so called debt collectors to show this has been paid.As much as it sucks sometimes one has to take responsability for ones own actions.also yes there is always a proper resolution if one can take the time to listen and come to a suitable compromise

I believe that this is all a misunderstanding.   I think that to solve the problem,  The debt collector should provide the written validation as described in "Good Advices"  post,  quoting the FTC bulletin and in compliance with the FDCPA  (Fair Debt Collections Act).   That way,  a fair, equitable,  and agreeable solution can be achieved in the most time conserving manner.  Now,  wouldn't that be a fair way for a collector to act and for the responsible debt pay to react,  in handling any civil issue?   Don't you agree with that Mr. Anymous?  If not,  please state why.....
I'm curious and  just interested in a proper resolution here..


A-n-y-m-o-u-s ?

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

?is seeking payment on a debt for a loan you do not recognize;
?refuses to give you a mailing address or phone number;
?asks you for personal financial or sensitive information; or
?exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:

?Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.?Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
?Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
?Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
?Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

SHILL ALERT!!!

maybe you people should pay your debts and companys that work to retrieve the funds you borrowed wouldn't have to be such a task.take responsability for your actions instead of always trying to scam.I had a call from the same company and now due to the fact i paid this off all of the calls have stopped and i actually received a time stamp with each payment and an authorization code i matched with my banking statements.It was actually somewhat of a pleasure to work with these people and I was finally able to put and end to all of the calls to my friends and family.

I got a call from the same number stating the same charges, do to a default on some payday loan crap.. When I call it saids that I have reached the Eastern Division on the answering machine, when I did actually speak to someone they told me there company name is CCS, LLC.. But if any payments where taken out of my account on my statement it would show that the payments where take from a Northwestern Agency... All CRAP if you ask me

They called my son and gave this crap about my being charged with check fraud and I have 24 hours to call back. I call back and it says to leave message and they will call back. If it were real, why are they calling my son's cell and not my home phone which hasn't changed in 10 years. It also said the name of the company was Eastern Division. HUH????? Noting can be found on google search on the phone number or that name. Will call back again tomorrow and will report what I find.