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Farrell & Seldin

Farrell & Seldin review: Debt collection 53

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6:29 pm EST
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I had an account with Capital One which was charged --off in may of last year. On December 29 2008 I was hand delivered by an unidentified man a "summons" . I had no idea what he was even handing me, I think he called it paperwork, but I am not sure if he said anything at all besides that I didn't have to go to court to just call the number. I tried calling the number the next day and all it did was ring. I believe that the summons is fake. It says that they WILL apply to the court. There is no seal from the courts and all court signatures are stamped. There is even another stamp stamped through the stamped endorsement of the clerk district court. There are other stampings in the document that are just randomly stamped. There is no court date on the summons, and Farrell & Seldin are claiming to be representing Capital One. How can they be representing Capital One when the debt was charged off. Aren"t they just trying to get free money that is not even theirs to claim? I feel that the documents are not really from the court and that is a form of intimidation to scare me to pay them. But I do not owe Farrell & Seldin a thing.

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Farrell & Seldin - improper Judgement 1
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53 comments
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jmaher1983
Santa fe, US
Dec 21, 2010 2:32 am EST

Farrell and Seldin don't answer phone calls nor do they practice good credit collection. 10 to 1 they are in debt like the rest of america. They send letters and try to act like there helping the credit card companies out. They are a scam. There website isn't even legit. [protected] copy write. talk about not updating or not having numbers that have answering machines. There 866 number keeps ringing and ringing and ringing. The company needs to drop helping creditors and help us working american's out instead of sticking us with payment plans and then hitting us with it defaulted crap.

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IR Roberts
Westminster, US
Dec 03, 2010 1:27 am EST

I had an agreement to pay off 11, 000 to to this F&S in $500 installments. 3 EFTs of $500 each occurred as scheduled. Then when the 4th payment was scheduled the EFT did not happen even though funds were available. I contacted F&S when I noticed the 4th installment did not occur and they told me that I was in default. Then they told me the account was pulled and would not accept payment of any kind which seemed ridiculous. Now they garnished my bank account and I have nothing. How can you set up a payment plan, have the funds available and then be told your in default when the recipient of the funds refuses to accept them? I want to pay off this debt, yet they refused my payment as per our agreement and then bushwhacked me with garnishment. Any ideas on how to deal with this issue? I have $15 in my wallet. My next paycheck is supposed to be electronically deposited in 4 days, I am trying to get a paper check issued and open a new bank account but I may not be in time to stop the deposit. F&S put a hold on my account so any money deposited will go to them leaving me with nothing for the next 3 weeks if I am unable to stop the next deposit.

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straight out of low cash
Littleton, US
Dec 02, 2010 5:38 pm EST

I just hired a attorny today to help with the fight ! I as well as my new rep and I believe that they do buy the junk debt and are the owner of the debt, but they say that they are representing the oc. if in fact this is true well that would be great to watch them try and wiggle out of it my rep has sued and won against thease [censor] if you have anything like this in your case lets ban together and have them banned from pratice at the very least

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monomonkey
Denver, US
Nov 14, 2010 5:17 pm EST

I am filing multiple pleadings pro se against Ferrell & Seldin in Adams County Court, CO. I did file and answer to their complaint and they proceeded to file 4 pleadings without sending me the Defendant, copies as fraudulently certified by their Certificate of Mailing. After I lose the case I will file against these attorneys with the State of Colorado for not complying with the statutes. If anyone would like to join you are welcome. All their collective bad practice should go toward having them sanctioned. [I'm sorry I don't know the answer to willowisp6400's question.] ubiorbi@yahoo.com

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willo94
Del Norte, CO 81132-9012, US
Oct 15, 2010 1:06 am EDT

I to am having problems with Ferrell and Seldin. I reieved a summons to go to court, before thy even tried to work with me on my credit card debt to Discover.
I tried to tell them what my situation was and that I could send the only $50.00 a month for about 8 months and then I would have another one that I was paying on paid and could make a larger payment. They said they couldn't do that, it wasn't enough. I asked if we could come to an agreement befor the court date, would it be cancelled? I was told no, I had to go to court no matter what. The other lawyers I am paying now once an agreement was made cancelled the court date. What are they trying to do to me. Can they Garnish Social Security income? willowisp6400@yahoo .com is my e-mail if anyone can answer that question for me.

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Farrell Hell
, US
Sep 02, 2010 11:14 pm EDT

Farrell and Seldin are [censor] and I hope their agency is seized one day like the lunatic who took over the Discovery Channel!

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Stuck in Farrell Hell
, US
Jul 24, 2010 11:17 pm EDT

almamira7@gmail.com, can you post a response again as to what you did with Farrell & Seldin or what can be done if they contact you? I've been paying them $150/month for a Citibank debt. They too petitioned me to go to court before I agreeded to their terms. What can I do now? I missed one month and they sent a letter saying I was in default. I sent a payment anyway and today, they sent it back to me saying they can't accept the money order? what are my options trying to get a payoff? I've tried that with them too to no avail? Now I'm afraid they will garnish wages?

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Almami
, US
Apr 20, 2010 8:36 am EDT

I wrote a long post that disappeared, Anxious.

Write me at: almamira7@gmail.com

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Anxiety in Albuquerque
Albuquerque, US
Apr 19, 2010 9:04 am EDT

What do I do now? I already have an agreement with farrell and seldin, is there any way I can get away from them? What are my rights? Can I sign up with a debt settlement company, to get these people off my back and out of my life?
Please help, we barely make it day to day.
Thank you,
Anxious in Albuquerque

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Almami
, US
Oct 14, 2009 2:06 pm EDT

No one is taking any bank's or credit card money because there is no money. The money was created by the person's signature. Credits and debits are just entries on an accounting book. It is called fractional reserve banking and it is the biggest fraud that has been perpetrated on the citizens of this country.

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not republican, just responsible
, US
Oct 10, 2009 3:14 pm EDT

I work for a bankruptcy and debt resolution law firm. I spend a lot of time dealing with banks and lenders like capital one. To my knowledge, when a card company says that they have "charged off" your account, it does not mean the account has been settled or the debt forgiven or even sold. All it means is that your account is so delinquent that they have moved your account to a different department of cap one and it is soon to be sent or sold to a collection company like ferral & seldin.

I spend every day being an advocate for and defending the rights of debtors such as yourself and I agree that a lot of collection companies are extremely and inappropriately aggressive, dishonest and shady. However, if you accumulated the debt on your own accord and do not have a valid excuse for not paying it off (lost job, unseen medical expenses, etc.) then I think you should have taken some responsibility for the debt and PAID it.

Always remember, if you cant pay your credit card debt for whatever reason, just call the company, tell them of your situation and work out a settlement offer. I do this constantly for clients and I have settled accounts for 30% or 40% of what people owe. I do this on a regular basis with many different card companies for many different amounts of debt, from 4000 to 40, 000. You do not need an attorney for this, you can do it yourself from home, it just takes patience and professionalism and negotiation, and it keeps outrageous collection companies out of the picture.

Take some responsibilty for your actions and if you do not want to deal with shady credit card companies and collection agencies that hound you constantly and make your life miserable (there are a ton of them out there, I know cause I deal with for 50 hours a week, every week, and I agree that banks, credit card co.'s and collection co.'s are all SOB's)- then do not take their money in the first place

How about some radical self reliance? I though America was about independence and self reliance, not financial irresponsibility and carelessness?

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stella
Boulder, US
May 01, 2009 5:36 pm EDT

Oh man I hope you files an answer because those documents are real. They want you to think it is a fake summons so you won't answer the courts and then send it in with proof that you were served. Do you have any updates to you case?

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pmf1
Edina, US
Mar 04, 2009 9:13 am EST
Verified customer This comment was posted by a verified customer. Learn more

They have probably purchased the debt for pennies on the dollar.
They only receive money if you pay.
You can put them off by asserting your rights in a certified mail letter.
I admit I defaulted on some credit card debt.
The approach by the collection agencies was horrible.
I have consulted attorneys and have come up with a letter that puts them off.
I was just contacted by the Northland Group.
I sent them the letter via certified mail.
Guess what ?
Within 4 days I received a letter from Northland Group saying they were ceasing all collection efforts and I should contact the card issueing company for further information.
The letter is a mix of asserting your rights, warning them about any negative credit reporting, requesting all communication be in writitng (no telephone calls!), and threatening them with severe legal action should they tranish my record or violate the law.
It is one hum-dinger of a letter.
I can't believe that it worked !@!
pmf1@rocketmail.com