Farrell & Seldin review: Debt collection 53

Filing Complaint

city KS 66101

Nataki M Harvey, Kansas City KS 66101.

I Nataki M Harvey is filing a complaint against Chelsea Plaza apartment 544 freeman court Kansas City KS 66101. [protected]. Seldin Company 2840 s. 123rd court Omaha ne 68144, [protected]

The reason for my complaint is that I had a gas leak on 862021 to where the fire department and Kansas gas came out. Kansas gas shut off my gas due to a broken rigid pipe. I called the office of Chelsea Plaza and left a message about what is going. On 8102021 the Maintenace came to repair the gas pipe and told me to wait for them to come back from their lunch break. They never showed back up, later that evening I called Kansas gas to have my services back on.

8112021 Kansas gas told me that the gas would not be turned back on because Chelsea Plaza needs a licensed plumber to fix all broken pipes. So, I went to office to ask about how long and when would they be fixing this. I dint know who the new managers were but I seen a lady sitting in a vehicle that was 5 parking spots from me and as I walked up to the office door. It said closed on Wednesdays I also was on the phone with my sister as I was telling her that they were closed but Sherry Taylor the manager said that she was the manager and the owner of these properties. Sherry Taylor is very unprofessional and rude and doesn’t care about the accommodations that need to be met for me and my 5 children. Also, I am a type 1 disabled diabetic with a fresh amputation and wound on my right foot that requires me to bathe and keep my sores cleaned. I can't do the following cooking cleaning or bathe while covid19 is on and kids are at school I can't even wash and dry our clothes. Then I was told that they would put me and my 5 children in a suite at candlewood suite in Lenexa Kansas. On 8122021. Sherry Taylor didn’t call to give me a confirmation number for suite then she says the she not paying that because can't afford it. It's been a whole week and nothing getting done and need help please help me please.

Ferrall and Seldin are listed on several sites under Fraudsters and Company.
File a BAR complaint on the F & S attorney.
If your case is pending, immediately file motions. Move for motion for discovery, interrogatories and subpoena duces tecum. Paper trail back to your original application for loan or credit card, etc. 99% chance they can not produce because the original application was sold. In my case the judge allowed F & S attorney testify and submit evidence which was a blank application form. 99% chance F & S have no standing and cannot prove same. This is the action I had taken in case with them involved, BUT the judge took their side, unbelievable. IMPORTANT-everything is based upon presumption. Not law, truth or justice.Use your own due diligence and follow up on the above.

In April 2014 I discovered that my checking account had been emptied. My bank gave the information as to who had done this and both a case number and phone number to contact them. When I called the woman who is apparently handling my case "Cathy" (it sounded like anyway) told me that the debt was with Target. I don't dispute this. My husband had a massive heart attack in March of 2008 and that turned our life upside down as we didn't have health insurance. The hospital put in 2 stents, charged him almost $150, 000.00 for the hospital bill alone, then sent him on his way with the knowledge that he needed open heart surgery immediately or he'd die. They also told us that no hospital would perform the procedure because he didn't have health insurance. To make a long story short, we saved money to have the procedure in another country where the costs are actually affordable, although the way my husband had been treated and dismissed he wanted, and for awhile did, to simply give up and not have the procedure. The doctor who identified his situation spent all of 10 minutes with him in the ER, told him what the tests revealed and that a technician would be inserting two stents, and then he never saw him or any doctor until an unknown doctor came to release him from the hospital 4 days later with a handful of prescriptions, including one for an appointment with that doctor in 6 weeks. He sent us a $2000. plus bill 3 weeks later, again the next week, and when I got another one the 5th week (I was taking care of my husband who was not doing well) I called and assured them that the bill would be paid in full when he came in for his appointment. A few days later we discovered the doctor had sent him to collections and cancelled his appointment. Dr. Vitto Calendro of Porter Hospital in Denver, Colorado... avoid him at all costs as he doesn't give a ### about patients, just money. In any case, saving money for the open heart surgery caused us to default on our debts. After my husband had the open heart surgery in September of 2008 and had rebounded a little, I contacted our different debts only to find that most had been turned over to collection agencies and some had already gone through the courts. It was at that time, and because we still had the hospital bill looming over us that my husband decided to file for bankruptcy. We started the process and creditors were notified, but my husband was still having issues and not improving the way he should have... the bankruptcy never happened. In February of 2010 we were informed after another ER visit that the original heart attack and probable lack of adequate care for it (the open heart surgery he needed) had destroyed all but 16% of his heart muscle... he was given a death sentence, five years at most. I had been served a few times and kept all the papers although I do not have the court papers for the Target debt. I can't claim that I didn't receive them, its been a roller coaster of a time, but I did keep all those that I'd been served with and I don't have one for Target. When I could get my feet on the ground emotionally (I'd also just lost both my best friend in April 2006 and my dad in October 2006 and then the situation with my husband) I contacted people whom I been served by and was able to set up payment plans. One of them was Farrell and Seldin who was collecting a debt against my husband. The guy I spoke with was very kind and set me up with a payment plan and I've been making payments ever since. When I called after my checking account was emptied for the Target account, I told them that to my knowledge that I'd never been served since I didn't have any paper work (I looked), and secondly I had never received anything from them regarding this debt. I was told by "Cathy" that one, I had no other option at this point but to pay it in full, and two, that they had sent out several notices to me which I had obviously ignored and when I told her I'd received nothing from them her response was basically to call me a liar without actually saying it. I then requested copies of all the notices they claimed to have sent me and to date, even though I had emailed and called the person in charge of this, Aaron Ham (according to her), I still have received nothing. I have called and left her several messages and to date, June 17, 2014, I STILL have not heard a single thing from anyone at Farrell and Seldin regarding this matter. I did leave her a very detailed voice message but even that didn't produce a response. I told her that I wouldn't have ignored any correspondence from them because I had been paying on another debt for my husband to them for almost 17 months now and wouldn't do anything to jeopardize that, especially as it is close to being paid off, and that I was willing to make monthly payments to get this matter resolved as quickly as possible. No response. I called her again about 3 weeks ago and was told that Farrell and Seldin were in the process of relocating to Kentucky, although we have received no written confirmation of this. I again left my name and number but to date, as has been the case each and every time, I've received no response from anyone. I did call the court and spoke to someone regarding this matter and she shared that there was always the option of making payments, even though "Cathy" told me I had lost that right. Currently I am left in limbo because I can get no response from anyone. My checking account is still open although I am now careful with how much money I keep in there as when they emptied it they took my mortgage payment. I would think that any collection agency would jump at anyone willing to make arrangements to pay off their debt, especially when proved that I've already been doing that very thing regarding a debt they hold against my husband, but almost 2 months later and I can't get anyone to respond to me, either via a phone call, email, or written correspondence. To say I'm frustrated is an understatement!

I was just delivered today a court summons that states the court date is tomorrow, and it is also for a county I do not live in and never lived in and it is not the county in which they are located in. Any suggestions?

I had received a notice from them wanting to collect money from a past credit card I once had which I got behind on due to some health issues .I responded with a letter telling them I could make small payments.I never heard anything back from them .And now they filed paperwork with the courts so they started garnishment on my check for a large amount of 20% I am reccently filing bankruptcy is there anyway I can receive the money they had already taken out?Since they bought out the debt why are they adding their own attorney fees since the whole amount would be paid to them anyways ?They are awful people I had called and asked if there was anyway to have the amount I was being garnished reduced and they said NO how am I supposed to survive off that ?So heartless they make you feel awful about yourself .I would of still been making payments if I didnt get sick they act like you go charging up stuff to not pay for it .SO now they will not get one penny from me for being inconsiderate ###

I'm dealing with Farrell and Seldin as well. I received no notice before I was suddenly served a court summons from them, claiming to represent Midland LLC. I noticed the summons was missing a case # so I called the county court and sure enough: they hadn't filed anything. I called them up to feel them out and they were perfectly willing to collect from me but completely unwilling to provide any validation of debt beyond the flimsy affadivit in their 'summons'.

So I've sent a very [censored]ly letter requesting Debt Validation via certified mail, reciept requested, with delivery confirmation tracking. I'm checking everyday to see if they file the court paperwork, at which time I'll answer with counterclaims. Namely, that I was denied a chance to take administrative action by request DV, which is my right. If they can supply my OC contract and proof that the debt indeed belongs to their client, I'm happy to pay it off and have it stricken from my credit rating. If they can't provide validation, I'll be calling the credit reporting agency to get it taken care of.

These ### have me 'summoned' on my birthday. Some part of me wants them to file that paperwork so I can present my case to a judge and make it clear I won't be bullied. If these people want my money, they had better prove they should have it. It's despicable how their using the court system (or paperwork that mimics the court system) to bully people. They should send notices by certified mail, keep good documentation, and at least be ###s by the rules. Debt is hard enough.

I just finished with farrell & seldin. I did owe the bill, but due to the economy I got behind. The chase company would not work with me to lower my payments, so got a summons to appear in court. I did go & set up a payment plan & sent my payments. I have made copies of all my payments & letters & sent copies to the judge as I sent them to farrell & seldin. My problem was trying to get a statement of the balance which I did not get unless I cc to the judge in a letter. My last letter was in Dec as 2nd request. Still have not recvd statement. I'm no longer sending payments because I believe this bill is paid for & has been over paid. They owe me for over payment. But I doubt I will ever see it. I still have not heard from them.

According to the Fair Debt Collections Practices Act they do have to supply proof of debt and customer agreement if I request it, which I did in writing and certified mail. I have not received notice of garnishment or judgment at this point. Their last response was mainly that they are not required to supply me with the info, because they are claiming they are only working on behalf of Target. Not that they more than likely have bought the debt outright and are now trying to collect for only themselves. I am guessing they don't really have this information. I have kept records of all interactions with them, and have forwarded the information to the court too. I will continue to monitor what they try to do, but I don't understand how they can say they are only representing Target, when every communication they send and even their 866 number says they are a debt collection agency and the information they obtain is for the purpose of collecting that debt. That is a requirement by the FDCPA that they have to put that as a debt collection agency. I don't believe that would be a requirement for an attorney who is legitimately representing a CO, not to mention, Target has in house attorneys, why not use them?

Confused in g, co

I did the same thing, sent them a certified letter, I have not sent the second letter yet, but I will this week. They do have to provide a copy of the original contract that you signed with the original creditor to claim funds from you legally. It looks like they just bought the rights to your credit account and the original lender has already written this off as a loss, which means that you have to claim it on your taxes, but you should not have to pay the funds to F & S. Keep all of your documents including the one stating that they don't have to provide proof. The judge will probably throw the case out. This is unfortunately a legitimate business and they can garnish your wages, but only if they have the deed to your credit.

I too am dealing with F&S in NM. I am in the middle, but will say I have been trying to respond and push back the whole way. I requested proof of debt as well as the itemized listing of what they say I owe - through certified mail and through the courts. After 45 days with no response from F&S, I sent a follow up letter to both them and the courts requesting a dismissal. They finally sent a letter back saying they are not obligated to produce such info because it is the original creditor who is doing the summons, not F&S, which I am pretty sure is completely false. From everything I have seen, they are a debt collection agency under the guise of a a law firm and are required by law to supply such information to me. As of yet, I do not have a court date or arbitration date scheduled. I am going to do further research and fight this as well. I also tried to call them and they would not discuss any information on the account until I provided my financial institution information and employer information. I don't see how that is legal either. I am not required to give such information just to discuss a claim they have. Anyone else have anymore info on this?

I have a dept to mcm collection agency, which I tried to make payments on. I sent a letter to them telling I couldn't make $250 payments and if there was a way they could lower my payments. So I didn't get a response they just sent me the bill again with the 250 dll payment. Everytime that I called they would send me to a voicemail and never with a real person. Now, 6 months later, a lady on a Saturday morning came to my house to give me a court summons and that I needed to call a number if I wanted to make an arrangement w them before the court date. I called the day they told me I get a computer to say the ext. Num which its not provided in the summons or to type the first 3 letters of their last name and I do that and its says its not in their directory. I want to pay this dept.! But after I've read all these complaints I don't know what to do! Please I need some advice of what I can do!?! HELP!

Confused in g, co

I think that this court paper thing is getting out of hand. I got one myself. I kept looking for court dates, but couldn't find one. I called their number and the calls keep on falling. I can't get any kind of answer anywhere. I already spoke to an attorney and they told me that no corporation can take away money from the government. I'm on SSI and they can't take any kind of government money.

Can anyone tell me if Ferrel & Seldon can legally charge me interest compounded daily @ 8 1/2 % after a judgement has been entered? I thought that I only owed the amount of judgment, but they are charging me this compounded interest which is keeping the amount I owe very high, thus making it difficult for me to pay them off.

Thank you

Randy J. Celestine
MSgt, US Air Force, Retired

Just got a garnishment packet from Farrell & Seldin in the mail... OMG! is this for real...documents look real, they said that they are copies...document copies include: ANSWER BY GARNISHEE, APPLICATION FOR WRIT OF GARNISHMENT, WRIT OF GARNISHMENT, A "RETURN", & A TRANSMITTAL MEMORANDUM FROM "CAPITAL ONE"...ok all this looks legal etc, has case# etc, state of new mexico...etc...says i have 20 days to respond to this letter, office is in alb, nm...but after reading all this stuff on this comment page, im wondering...can some one please help me...thank u...my email address is leesa_sanchez@yahoo.com...thanks...im scared cuz im not working, broke my wrist and collecting very lil on unemployment now...

I just wanted to let you all know I found a great free website with lots of valuable information on how to validate a debt, how to win in court, explain all the rules of FDCPA -- I'm going to read through all that I have printed off and put an answer together for the summons I received from Farrell and Seldin.
the website is www.creditinfocenter.com
I foundthem by doing a google for debt validation letter.

this is to blue angel. I just want to thank you for taking some time to help those of us that have been harrassed by F&S. I had debts that accumulated and I was doing well to pay them off, when i got diagnosed with cancer. Not wanting my daughter to be left with these debts, I contacted a debt settlement company that "promised" to negotiate my debt to 40% which I could pay off over 3 years -- if I'm still around. it has been 2 years... i'm doing ok. this company told me that discover was settling at 10 cents on the dollar. 2 years later - they transferred my account to another company. so all of a sudden i got served by F&S. I keep checking with the court fo find out when this summons actually gets filed - i cant answer until they actually file. I'm trying to stay strong for this fight. i hope colorado has arbitration. I have until aug. 9 to file an answer.

Has anyone finished your case with Ferrell & Seldin? How did it go?

Woops, that last post is in the wrong thread.

Alice44,

That other person would most likely have been me. The statute specifically states that there exceptions to those who need to be licensed, but it is somewhat vague as to whether or not Farrell and Seldin must be licensed. I'm leaning towards that they do need to be licensed for all of the standard debt collector letters that they send out, especially the ones that say "Your case has not been reviewed by an attorney, " but I am not a lawyer nor am I intricately familiar with case the case law regarding when an attorney-at-law is legally considered to be acting as an attorney in the state of NM. If I find that I am correct, I will file a formal complaint both in NM and in CO.

GB66 please e-mail me re Farrell & Selden, They filed a complaint last month. I found out through a mailing from credit counseling agency eager for money who watches the court system, I suspect. I have not been served. alicenewt@ymail.com - This is in NM though. I'm watching their every move and attempting to find out if they are licensed to collect debts here in NM.

I am of the opinion that if enough of us band together, we can create a class action law suit against these illegal practices. It is very clear reading the above, and my own experiences with Farrell & Seldin that they have violated Colorado Statute, Article 14 in a number of places. This Colorado law was expressly designed to prevent the kind of behavior that we have all experienced. If it is proven that attorneys have in fact violated the laws, they can be disbarred. For those of you who do not know, that means they will no longer be allowed to practice law in the state of Colorado. However, the only way this will work is if we all band together to demonstrate the harm we have been caused, and that the harm comes from the illegal behavior. Attorneys can also be disbarred for unethical behavior. This is actually a more difficult thing to prove, but I believe given the above pile of evidence, and the complaints I found on [redacted]s, there is solid evidence of a continual and wanton pattern of illegal and unethical behavior in violation of at least the CO FDCPA and likely the Federal FDCPA.

Let's find (or perhaps one of you already knows) a good attorney who will take on a class action case, and then lets all become plaintiffs in the case. While it would be nice to get $, what I really care about is ensuring that stories of single mom's being threatened with jail time, and their kids going into foster care cease happening from these pondscum. To me, it's the principle.

I'll send some email to those who have posted their emails here.

In response to my request for validation, I just got an affidavit that looks very vague. I'd like to get in touch with Blue Angel but am hesitant to put my email address on line. Would you pass this along for me? I want to contest their affidavit but need to know the best way.

They didn't attach anything from Cap One, except a notarized signature of someone who allegedly works for and has "knowledge of how they do business". The notary who signed is located in Virginia. The amounts due Cap One were as of December 2010... Alice N

I merely suggested (common sense) that people check their credit report.. I also did not quote directly from the FDPCA or FCRA laws therefore I did not dispense any legal advise. I also suggested that people educate themselves on the rules and laws. I will always help people... so do not be afraid to ask for my advice... I will answer you off line but only if you are sincere and not trying to pick a fight. leave your email address next time
My advice to you and this is not legal advice-- MICA1755...is to not spend so much time on this site...

Are you a lawyer? I did not give legal advice I gave common sense advice. I just know that I researched the rules and laws and I educated myself and the system worked for me. If you read the whole paragraph you will notice that I did say if it is your debt you must take care of it. PAY IT OR DO A SETTLEMENT. And if you are on this blog to start an argument, then you won't get one from me.. Yes seek legal advice... but most lawyers won't handle these cases.

My advice to anyone receiving these letters is to check your credit report. You will want to check all of the negative entries on your report. If the debt has been charged-off the credit card company may still be handling it in house with their own counsel. However if you notice the words "Transferred or sold" Then the credit card company has sold off your debt to a collection agency. Who ever bought your debt (Farrell and Seldin) now must follow the FDCPA laws since they are considered 3rd party collections. They must send you documentation if you have asked for validation. They can not proceed with any legal action until this validation is done. They consider validation as verifying your name and address and maybe sending some type of computer generated printout of a statement. This is not enough documention under Rule 1002. Demand that they send a contract with your signature. You also have the right to see who has authority to collect your debt. Demand to have a copy of the contract between the Credit Card company and the new debt collector. Also verify if they are allowed to collect in your state. They need to have a valid business license to do this. If all of the documentation you have requested is submitted to you, you then know it is your debt and you will need to work with the collector. However if you do not think it is your debt (for various reasons) and you do not recieve the documentation you have requested. Keep sending validation letters until action is taken. The next step Farrell and Seldin will take is to send a court summons to your house. You then must answer all of the complaints through the court system. More then likely your case will go to court annexed arbirtration and this is when you can present your side and submit all of your documentation or lack of. You need to educate yourself on all the FDPCA and FCRA laws.

I just sent a debt validation letter to Farrell and Seldon and it will be 30 days come Mid Feb or so since they signed the certified mail return receipt. Any advise on what's next? They say they represent Cap 1. Will email some who can connect me with Blue Angel. Paranoid in Abq. Signed, Alice N.

Well I guess that is why these blogs work.. everyone has an opinion. I have been through the fire with this experience and I just want to help people - who truley need help figuring out the whole credit card vs consumers rights issues. Granted I know many people in this country spend money they don't have and then expect to have a free ride. But then there are those victims of ID theft. Or even the people who have worked with the debt collectors and are still getting ripped off. And then there are those people who have tried to pay their bills and then have to turn to using their credit cards to buy gas and groceries and because of finaincal lose can not even pay those bills.. I think those people need some kind of relief from the scare tactics that these shady debt collectors posing as lawyers put on them... If you are a lawyer I am not critizing you. Because I think it is a noble profession. But is not noble to buy old debt or charged off debt for pennies on the dollar and then harass people till they pay the full amount and often times more because of added fees. When the credit card companies could settle with the consumer for half the amount and be done with the whole process.

Wonderc -check your email I sent a response to you. Please let me help you through this process. I know it's scary and the debt collectors are counting on the fact that you are worried and stressed out, but don't give into that fear. EDUCATION IS THE KEY.. Learn about your rights.

Sunmume I will contact you privately. And in response to Mica1755 - I was given a letter from the mediator that said Arbitration awarded in favor of ( my name) and against Chase Bank. Because it went through the court annexed arbitration and not through distric court there was not a need to dismiss.

To respond to Stealth Pilot - you should be careful who you make judgements about. If Farrell and Seldin had a real case against me they would have won RIGHT? I was a victim of identity theft and I still had to fight this the whole way down to arbirtration.. I guess the medating lawyer believed me when I produced my police report from the time my home was broken into in the middle of the night and my purse was stolen with my ID and SS #...Not everyone is trying to scam the system. I pay all my bills and I even paid off my house and car this year...But I refuse to pay for someone elses debt and I will fight it...by educating myself on my rights.

Blue Angel, can you get in touch with me via sunmune@comcast.net
I was served the other day. Ferrell and Seldin here in ALb. Could use advice! Thanks so much!

Blue Angel 20, can you get in touch with me. I was served the other day and it's with Ferrel; and Seldin. I need advice! Thanks so much! sunmune@comcast.net

thank you blue angel bartbarkley@aol.com

I will respond to you privately and I can send you some information with some attachements.

blue angel did you go through jams or the other one in arbitration? That is fantasic news for all of us I would luv to no more about how you won as I am preparing for court or arbitration you can reach me at bartbarkley@aol.com and congrats!

I also wanted to mention about the above posting (I made that last statement- Blue angel 20) . This took place in Albuquerque, NM and I just got the letter from the arbirator on Jan. 31, 2011. So I am sure Ken and the group of lawyers know who I am..the lawyers over there think they are doing a good job. But next time don't send a lawyer that says he is the in house counselor for Chase bank. That is a lie.. I'm sorry you couldn't cash in on the big pay day ($14, 000.00). But learn the laws and you will be better prepared as the plantif.. I would like to know how many other defendents in Alb. have won their cases against Farrell and Seldin. I hope that the FTC shuts them down. I reported them already and I suggest everyone on this board do the same thing. Next step is to repair my credit by mailing my arbritration award letter with other paperwork to the credit bureaus.

I just wanted to tell you that I just won my case against Farrell and Seldin. When I went to arbiration they sent a lawyer from thier office who didn't know anything about my case. I told the arbrirator that I wanted to see contracts and I demanded proof that it was my debt. Farrell and Seldin and the lawyer Ken couldn't prove it.
I would recommend that if anyone receives a summons from this company that you submit any and all paperwork that is required of you. That you do not miss any court appointed times. But if you research the FDCPA laws and ask that your debt be validated and you save any and all documentation. You can fight this debt collector. The thing that helped me the most is that I asked to see a contract between Chase Bank and Farrell and Seldin and they couldn't provide it. Be smart, be courageous and don't back down. I want to thank my arbirator for believing me and researching the laws...

collectionarearippoff please get in touch with me I would luv to see what you have ! I have also been told that they buy junk debts and try to collect on them as if the are represnting the OC they have clearly violated FDCPA and tila as well you can get in touch with me at bartbarkley@aol.com thanks by the way I got to post on here once as straight out of low cash and can no longer log in as such hmmm I wonder is ferrall and seldin setting this site up to try to get people to feel guilty about a debt that could no longer pay for what ever reason and that the OC had charged it off and collected on the insurance or is it that they are afraid that they maybe forced into arbitration ? or this might be it ... to try to scare people by telling what horriable tactics they have used and if you dont do as we say youll be in big trouble I plan on finding out soon good luck to all but fight them it looks like ill be going to arbitration

I work for a collection agency and know about the FDCPA. I received "court" documents from Ferrell and Seldin back when I didnt work there. I saved them because I felt they were fakes. Now that I have been working at a debt collection agency I understand how the system works. The docs are fake. I received the initial demand back in Sept 09'. A month later, I received "court" looking docs. Then in December 09' I received a "judgement" doc. First of all, the court system in my state doesnt move that fast. Secondly, the whole process would take about 6 months not 3 months. The docs stated that they proved to the court that I owed the debt, however, no contract or consumer agreement was attached to the exibit "A". It is Jan 2011...I still have yet to hear from my states court system. I never received anything in the mail from them to make this official...nothing "certified" in nature. They are completely going against the FDCPA. Since I still have the documents, I would LOVE to send them to your Rep. Lets shut these guys down for good! All debt agencies are sneaky. They say they are following all the laws, of which is a lie. Their "report" they send to their clients in regards to the quality control practices are all fake. The debt collector who is talking to the debtor knows that they are being recorded at the time, so, they play nice. Once the recordings are done, they return back to their unruly ways. I suggest that anyone who talks to a debt collector advises the debt collector that they are recording the conversation. If the mini-miranda is not said during the call (...this is an attempt to collect a debt any information obtained..."), or if the debt collector states that intrest and fees will be added, or that "they will report you to the client so they can persue further actions" is against the FDCPA. Better yet, you are better off sending a cease and desist letter to the agency stating to CND all calls and mail. No skip tracing, no nothing. Dispute the debt. If their client doesnt get back to you within 30 days, they close the acct and take it off the credit report. They act tough but really they are scared of lawsuits! The FDCPA clearly states that any tactic used to intimidate a consumer or to insinuate that there are "court" proceedings when there really is no proceeding and that is not the intention of their client to do so, they are in violation of the FDCPA. In addition, any tactic used to intimidate a consumer is against the FDCPA. Any tactic that is used willingly by the debt collector to simulate "court" proceedings that are false is in violation of the FDCPA. This outlet is out of control! Contact me so I can gets these to your rep! Furthermore, NEVER settle. Depending on the amount of the debt, you will receive a 1099 at the end of the year with the difference as "earned income". That is something the above attorney fails to mention! I lost my job. I've always paid my debts. I had a card, yes. I charged $300.00 on it and now the CC company and the debt collector wants $1500.00 for it? And I'm the bad person? My tax dollers were given to XYZ CC company to Bail them out. If I received a collection for $300.00, I would pay it. Not for $1500.00 and then a settlement of 40% offer of $600.00 just to wind up getting a 1099 for $900.00 as earned income when my cc bill was $300.00...come on, who are you kidding? DO NOT LISTEN TO THE ATTORNEY ABOVE. Guilt trip...and trying to rip off consumers w/ their debt! He/She is just as bad as the debt collectors!

I paid off Ferrell and Seldin. Of course, the contact wouldn't give me his last name or the email of the "company." Now they will not send me a letter of dismissal. After I checked with my bank that the check had cleared, Mr. Nobody said it takes them ten days to make sure check has cleared. Called again today and another mr. Nobody gave me the runaround. According to a friend, Ferrell and Seldin had scheduled 950 cases in one day...what a waste of our judicial system. They should be litigated.

I had the same problem with Capital One, but the problem with dealing with any corporation, especially one that greatly benefited from taxpayer bailouts, is that if you have any complaint with a service provider that you paid with a credit card, they ignore your letters and then you must deal with an outsourcer in a foreign country who has no idea how to help. I wrote three letters to Capital One, two to the service provider, and finally a certified letter to Capital One when they ignored the first two. I've talked to the most reputable law firm in Denver...and was advised not to fight the sleazy debt collection law firm ...because alas the powerful ALWAYS win in the end. I hated to do it, but there are people out there without ethics and one hopes that maybe in end, Life will catch up with them. Look at Bernie Madoff. Sorry for all you going through the harassing phone calls, nasty letters, and lawyers who can't make it other than collecting debts.