Hunter Warfield review: rudeness and attitude; bad customer service 93

Imformed Hunter/Worfield of an invalid debt 2 months ago. when I called them to check on information I requested, the representative was rude and implied that I had broken the law by stating "before we go any further I need to read you your miranda rights"! Being a disabled/retired law enforcement officer, I told him no law had been broken and Miranda had nothing to do with the Fair Debt Collections Act statement he read me. Him implying it did was actually against the law! He the hung up on me. When I called back he hung up on me again!

After working for a Collection Agency many years ago (family owned business that has since gone out of business) I am appalled at the behavior of some of these representatives on the phone. I too am now in a similar situation thanks to moving out of an apartment complex with one month left on the 12 mnth lease. From 6 months having problems of damaged, sinking floors (from water caused by previous tenant), to an A/C unit that didn't work properly causing a bill of $250 for a 550 sq ft apart, to black mold growing in the 2 neighbors apartments (4 units in one block - 2 front/2 back). After having 4 owners in a one year time span the last owners went "paperless" and lost my lease but turned around and told my future landlord that I had 6 months left, when in fact there was only 1...where was their proof? I at least had a copy of my lease. After 2 years, it's finally on my credit report and Hunter Warfield is representing them. I just politely asked for their address to send them a "cease and desist" letter and they won't be able to contact me again. Oh happy days.

Camden woods or "Scamden"
Woods? (in TAmpa Florida) My wife and I had a real family emergency and asked for
permission to break the lease without consequences. We were told we
could if we moved out by the 20th of July 2012, which was only a couple
of days (also my wife's birthday) that we would be OK and forgiven without consequences. Now they have turned us over to collections to Hunter Warfield for well over $5, 000.00 for breaking the lease. We surely would have considered other options had we known this was their racketeering tactic.I know we should have got it in writing, however, when you are under pressure you make bad decisions. We definitely would not have broken the lease if they said we will go after you for over five grand! They have
created an incentive for them to collect double rent which is also illegal in most states as well. Please
reconsider Camden Woods and their partner in crime Hunter Warfield!

I just asked for a supervisor because the person I was talking to was rude and kept hanging up on me. Turns out he was the supervisor.

I just got off the phone with two people from this company, trying to collect a debt of $4, 874 for a lease that they "say" I broke. Now after two years they are just now putting this on my credit report? Wow.. Considering I never recieved any legal documentation or even a bill from the apartment company. The lady I spoke with tried getting all my personal information and when I disagreed to give it to her she hung up on me and refused to send legal documentation. The man I spoke with would not take the payment plan I offered to pay to them if I were responsible for the debt. He told me to pay 4, 874 in full amount or monthly payments of $475... Umm only considering I am a student who works part time. He refused anything else from me. Then has the nerve to ask "what is it that you are looking for?" I responded "to pay my debt". He says " If you are looking for some kind of reciept becuas you are trying to get approved for a home, your not going to have any luck". What? I have a home and I am not seeking anything from you or your company. I am just trying to pay my debt and still live while doing so!

Mid 2012 I moved my elderly in-laws into an assisted living facility from an apartment complex. Due to health issues they had to leave the apartment 21 days before the lease was up. This was discussed with the apartment Manager and my family made sure that everything was paid in full. I am assuming that because it was marked as a "broken lease", someone in the regional office for the apartment complex passed it to HW for collection. It has now shown up on my in-laws credit report. I can accept that this was an honest mistake on the part of the apartment complex but the communications with HW have been horrible. I called to request a POC and was asked if I have PoA. Before I could get the "yes" out of my mouth and ask where it should be sent, the HW representative shouted "then this call is over!" and hung up. I have a signed statement and will now file a dispute with all three credit agencies. Hopefully that will help clear the good name of honest, hard working, Veterans who never missed a bill in their lives. I am still left wondering if something more needs to be done. This system seems to be broken.

I am so glad to see that there are others who have experinced the same rude behavior and inconsistent information. These people are Crazy! Back in 2008 me and my mother and father moved out of our apartment. We left the place spotless but still didn't get our deposit back do to our couch leaving an indention in the carpet like most furniture does when you have lived there for 2 + years. They kept our deposit and then said we owe another $1329.00 on top of the deposit they took. All for carpet that had common wear and tear. So of course we wrote a letter disputing it! We then never heard anything back so we thought we must have been heard. That was until we ran a credit report realizing they had given it to Hunter Warfield. This was the worst place I had EVER dealt with. They were awful in so many ways! I am planning on taking further action to make sure they won't do this to anyone else!

I have recently began attempting to do business with HW. Never once have I ignored their calls. I am aware I am responsible for the debt. I have recieved numerous calls and answered everytime. I specified times to contact me when I would not be busy to resolve the debt. I work 2 jobs so my time is limited. I have not received calls at the specified times I requested so I called them. Gave them my name and account number, asked to work out a payment arrangement, and was asked why I could not pay the debt in full. I simply explained I had other responsibilities but that I would be happy to work with them. "Call back when you can pay the balance" click. The balance is $1, 243.89 currently and it is un realistic to assume I can cover the entire debt immediately. That was problem number one. After seeing they were not interested in assisting me any way I called again explained what happened to "a supervisor" and was nicely apologized too. He told me he would review the account. After a week of no contact I received a call at work. I told the lady the supervisors name and that he was attempting to review my account to see if I could get the balance reduced and to work out payment arrangements. She apologized. I said"no problem. If you don't mind will you make sure you have my cell number and please no longer contact me at my place of employment". She got my cell number which was already on record and apologized. The very next day she called my place if employment again without first contacting my personal number. I answered and immediately asked her not too call my job again but that she was more than welcome to call my cell any time. My exact final nice words to her "I promise I am not attempting to dodge the bullet but I cannot take personal calls at work" her immidiate response "we have every right to contact your place of employment". Since this conversation I have been contacted 3 additional times at my job. I had my district manager address the issue with her directly. The last conversation I had with the employee was to inform her that if she continued to contact my place of employment I would be forced to take further actionto prevent it from happening. I am not interested in arguing or fighting. I want to pay the debt I am responsible for. But I do know my rights and as they have my personal number, an alternate number, and my mailing address... I will be forced to take action if they continue to harrass my place of employment. I have since tried to get in contact withthe same supervisor I spoke with to discuss payment, to no avail. I'm really ddisappointed right now with the entire situation.

Love how all the employees from this sorry company are on here trying to defend what they do. Just because someone sends you a paper with a name and amount does not always mean it is correct. I filed suit against HW and Mid America Apartments last week. Should be fun!

I "owed" my apartment complex money and got a call from "Reed Silverman" debt collection and let me tell you first hand, it's a scam. After ignoring them a few MILLION times, they completely stopped calling. I eventually went to court for my apartment case and the judge dismissed it completely because he saw it was bogus. Don't pay any money to this agency. They'll call you A LOT...but you don't have to pay them, they're just a knock off debt collector that apartments use to scare people. Don't even speak with them.

I agreed to pay $2, 800 to resolve my debt 2 MONTHS ago. And they have yet to agree and take my money clear my account from my credit report. Does anyone have any idea why?

I have just received a letter from this company. I went online as I have never dealt with a CA before. http://www.wikihow.com/Deal-With-Collection-Agencies This is a wiki on how to deal with collection agencies. Let me tell you I followed this step by step and I had to talk to a supervisor as the collectors didn't comply. I have a $1200 debt that I am only able to pay $100 on. They were not willing at first, but I was firm on the amount that I could pay. We hae come to an agreement.

We too are dealing with HW. I have a legitimate debt that I could not pay at once to our old apartment complex. I started paying them $10 a week as that is all I can afford and they have told me that is not a payment plan, that they need my debit card/bank info so they can draft my account. I have refused to give them any bank info and they said they have to have that info for their system to show a payment plan otherwise they will keep calling. I told them "I guess you will be calling me then". I have refused to give any info every time I did speak to them and I have told them that if they are refusing my payments, to send my checks back to me. Of course they have not done that. However they call almost weekly and go straight to voicemail because I refuse to argue with them.

look at yourself ...is an employee of hwi...i recognize the slang of the tone

will someone tell look at yourself to shut up

look at yourself is an employee of hunter warfield ..i recognize his tone and language i know exactly who he is

Here is a link that shows what tenants NEED to do to protect themselves legally from scrupulous landlords. Articles like these is where I get my info to post on message boards. Unlike Alsonik I do my research first before I assume anything.

http://realestate.msn.com/january-rental-advice-where-can-tenants-turn-for-help

To Alsonik:

It's called my 1st Amendment rights along with my experience in the business. I will speak my mind with the truth when at all possible. It is really kind of funny how you defend these people who complain but yet DON'T READ what they are complaining about. Some of what they are saying is because of their own fault.
Last I check this was a forum where people can express their opinions. So it's ok to complain about someone calling you on a debt you might legally owe but when someone presents another view your mouth opens and cries foul.

Let me make it CLEAR to you I DON'T need your dumb PR tips because I am not on here representing HWI. I am here giving ANOTHER side of the story which people NEVER hear. I know what is to be a debtor and a collector and can very easily testify to the emotions that run through on either side.

You obviously DON'T READ my post in this forum because I have CLEARLY stated I don't condone ruthless collectors or agencies that promote violating the law. Those companies should be shut down HOWEVER that doesn't mean EVERY collection agency is shady. I have ALWAYS stated it comes down to RESPONSIBILITY and the need to STOP acting like a victim when you are not.

You stated "how many people talk about Hunter Warfield agents rudely hanging up during a call? Do you really thing this isn't happening"?

My response is, "how many of these people do you "think" are being honest in their posts here"? I know because I use to be a floor collector and understand how debtors would make incredible claims against me that turned out to be false every time. Now that is not to say I have never hung up on someone but that's because 99% of the time they refuse to resolve the issue at hand and just wanted waste time cursing me out.

I don't have to apologize to ANYONE much less the people on here or you because I am stating facts. Remember I am a debtor to as well as a former collector. AGAIN I am NOT representing HWI or any other company here but going from experience.

Whenever I am called by a collection agency I KNOW full well if I owe it or not because I request the verification of the debt and the name of the original creditor. I also make sure I find out if there are any legal issues such as being sued. The reason I know about HWI is bc I have friends there and know for a FACT many of their clients will possibly sue the debtor if they choose not to pay. I had a friend of mine who it happened to, a single mother with three kids. So don't ASSUME I am some Hunter Warfield mole in these forums bc I am not. I am just sick and tired of people in this country making excuses for the decisions they chose to make and the contracts they chose to sign.

Mr. Alsonik I could care less what you think about me because I am not doing anything wrong. I will continue to speak my mind and offer another side because after all last I checked this is America right?

By the way, "Look at Yourself", it's pretty obvious you work for Hunter Warfield. Which is fine, it's normal for companies to respond to negative comments. But I hope you're doing it with official sanction, because you're not doing a great job and it could easily get you in hot water.

Here are some quick PR tips for you:
1) You don't have to be sincere, but you do have to be nice. Don't blame the upset consumers; apologize that they had a bad experience. Again, it doesn't have to be sincere. But being defensive and then going on the attack is only going to perpetuate bad blood and hurt the company's reputation more (if that's possible).
2) Never assert a legal claim unless you are a lawyer and you are making it in writing. Throwing out words like "defamation" is the worst thing you can do, and your corporate counsel would have a heart attack of they knew you were doing it. Among many other reasons, you make it possible for people to sue for declaratory judgment that their comments are not defamatory. They can do so in any jurisdiction. The legal expense in processing the court docs (even if the company decided not to contest the judgment) probably far outstrips the average amount Hunter Warfield is trying to collect. Don't do this.
3) If you or the company are accused of something, no matter how outrageous or unlikely, always promise to look into it and take appropriate action if abuse is found. Once again, you don't have to be sincere. But noting that a behavior is against company policy and promising to investigate is much better PR than calling people liars and names. Especially when there are huge patterns -- how many people talk about Hunter Warfield agents rudely hanging up during a call? Do you really thing this isn't happening?
4) Realize that anything you post here, along with your identity, is subject to subpoena and use in court. It's unlikely but possible. If you're posting with the company's blessing and oversight, you have nothing to worry about and the company is obligated to cover any legal expense incurred if you're dragged into it personally. If you're just an emotionally attached employee, you open the door to lots of problems with both your employer and aggrieved consumers.
5) Finally, regardless of whether you have official sanction to be responding here, I think it's a mistake for you to do so. People are complaining that Hunter Warfield is rude, unprofessional, abusive, and dishonest. And you come across as rude, unprofessional, abusive, and dishonest. You are *not* helping anyone. What's the benefit of your participation here, compared to the downsides I noted?

Very rude scammers. Hunter Warfield reps were very aggressive on the phone, demanded address and phone numbers for my family (yeah, right!), threatened everything from legal action to harassing phone calls at all hours, and then hung up on me when I demanded proof of the debt they claimed (and I still have no idea what it is and whether it is legit).

I filed complaints with the FTC and the Florida Attorney General. I recommend other victims do the same.

To Kaci:

Your quote:

" If she is, she really need to take courses on customer service. She said that she told me "VERY CLEARLY" that I wouldn't receive a receipt in any way for twenty days. That is NOT the truth. She called me a liar, raised her voice and hung up on me as well. I have worked in multiple customer service positions for the past five years, and I know that it's often difficult to stay calm. I've been cussed out many times by patients and customers, however I can honestly say I have never ONCE called a patient or customer a liar, raised my voice and I have certainly never hung up on one. I do not know what I am going to do. I need a receipt, and it's impossible for me to get one. What should I do?"

I understand your frustration but I MUST clarify two things:

1st - You CHOSE to pay by check AFTER you were told the receipt would not be available for up to twenty days. Rather than using your debit card which would have cleared your account instantly, you CHOSE to use checks. Using checks now a days still takes time to clear because if they give you a receipt right away you could easily cancel the check and now their client won't be paid meanwhile you get what you needed without paying for it. It happens a lot believe it or not especially with credit cards.

Charging you a $15 "fee" to use your card is nothing knew in today's electronic age. I have paid bills online or purchased tickets to an event and was charged a "convenience fee" for using my personal account.

America is the land of the "Fees" NOT the land of the Free. Bank of America and others have been trashed in the media recently and rightfully so for trying to charge their customers a $5 monthly fee to use their debit cards. We are living in a cashless/paperless society now. Did you expect not to pay for that "convenience"? If you did then this is your wake up call.

2nd - I have to state AGAIN, you are NOT a customer. You are the person who owes the bill, another words the "debtor". The customer is their client which is the apt complex you lived at. The bill wasn't going to get paid until you realized you had to move which happens most often than not. People in this country have to understand to make SURE before you vacate the apt that you've done what the lease required. This means move out inspections, turning in keys and 30 - 60 day move out notices depending on the contract. Of course ALWAYS make sure to have EVERYTHING IN WRITING so you have proof you had done your part. You would be surprised how many tenants forget then are shocked to find out when they get charged later on.

I recently paid several past due bills with my debit card; one online, the other one to the collection agency and the last two were to the businesses themselves because my account was still active with them even though it was sent to collections. I immediately was able to get receipts because I knew if I paid by check it would take anywhere from 10 to 15 days to clear in their system.

Unfortunately you are going to have to wait because of the decision you CHOSE to make by going with checks even though by your very OWN admission they told you it would take up to twenty days to get a receipt. You knew that and decided to take the risk because you didn't want to pay the extra fee. This is about being accountable for your actions for not paying their client on time and deciding to do things your way when you should have paid immediately after moving out.

The only option you have is to see if they could cancel the check in their system and pay with your debit card otherwise as you were originally told by them your receipt won't be available for 20 days.

I can see both sides of this arguement, however, I recently moved out of my apartment after waiting until the lease ran out. When I moved IN the apartment, there were no lightbulbs in any of the rooms, so I placed energy efficient lightbulbs (the free ones from Duke Energy) in each room. When I moved out, I took them with me. The apartment manager decided to bill me $143.00 for REMOVING APARTMENT PROPERTY. She sent it to collections FIVE days after I moved out. I wasn't going to pay it at all until I got my taxes because because it's a ridiculous amount for lightbulbs. I'm moving into another apartment in two weeks and until they receive a receipt showing that the debt was paid in full, I cannot move in. I called HW yesterday and made the payment, I was told if I paid via check card, they would have to place a $15.00 fee with my debt. Rather than paying extra money (along with the interest it had gained since March) I paid via check. I was told DIRECTLY that I would not receive a receipt IN THE MAIL for up to twenty days.. however I could check online. I interpreted that as I would have a receipt online either today or tomorrow. When I logged on to their website, I received a notice saying that my receipt would not be posted until December 20, 2011. (twenty days from date of payment). I was FURIOUS. I cannot move into my apartment without that receipt and I cannot wait 20 days. I called again today to see if there was ANYTHING they could do, any form they would print out and fax me, etc. I asked for the Manager or the GM's number very politely. The secretary or whomever I was speaking to was VERY rude, requesting that I tell her immediately what I need to speak with them about. I said that I refused to discuss this with her. She mumbled under her breath and slammed the phone down and transferred me to whom I thought at first was the manager. I spoke with Terry. I do not know if Terry is or is not the manager, or any of the sort. If she is, she really need to take courses on customer service. She said that she told me "VERY CLEARLY" that I wouldn't receive a receipt in any way for twenty days. That is NOT the truth. She called me a liar, raised her voice and hung up on me as well. I have worked in multiple customer service positions for the past five years, and I know that it's often difficult to stay calm. I've been cussed out many times by patients and customers, however I can honestly say I have never ONCE called a patient or customer a liar, raised my voice and I have certainly never hung up on one. I do not know what I am going to do. I need a receipt, and it's impossible for me to get one. What should I do?

So I gather fearlessviking you know Mr. Hines wife to call her a cow? And you have the nerve to call me racist? This is the IGNORANCE I am talking about.

Typical debtor who will resort to low tactics instead of acting responsible and stop the whining about paying a bill they legally owe.

So do I. Like I said, Hiney got his money... now he can take his cow of a wife out to dinner. :) Raaaaaaaaaaaaaaaacist!

Fearless Viking:

"Do you do anything else? Just curious..."

Yeah I pay my bills ..lol

First of all- it's not sir it's ma'am. Let's try to get that straight at least. :) We can agree to disagree. I don't appreciate someone making stereotypes and generalizations about entire groups of people based on interactions with a small percentage. I was talking about one person, and by using my emoticons was implying that it was a joke. If you are making a harmless joke about Americans, please forgive me! I had NO idea by reading your long pages of rants describing the downfall of American society.

I was meerly asking to be treated like a person and with respect, and from the get go of that phone call that did not happen at all. At that point he did not deserve mine in return. Period. However, someone like you thinks that if someone disputes a bill they DESERVE to be talked to that way? Hmmm. No. Doesn't really fly. There was just no reason for it.

As I said, at the end of the day Hiney got his money. Basically what he did worked. However if you act like that, you really can't avoid this type of backlash because of our first amendment rights. You aren't going to change the world, friend. If all Americans are inherently like this meaning they take no responsibilty and just simply don't pay their bills (my god I can come up with about a million examples to refute), then why don't you leave? I mean really? What's the point if it makes you so angry? :) Is there another culture that takes complete responsibility and always pays on time? I mean does that not sound ridiculous?

My point is not all debt collectors HAVE to act this way, and nor will I say they do. Hiney is the only one that I've spoken to, so I can only say what I think about his manner. If you think that I turned around and did the same thing you did... hmmm... not really! I was talking about one person that I've had a personal experience with.

As for the laundry list of names you called me. Wow. Aren't you the one who has been crazy responding to everyone's post about Hiney? Who looks like a fool now? Do you do anything else? Just curious...

Really fearless viking? Really? You call me racist, stupid and that you're offended by my generalization of Americans calling me ignorant YET you get on here with your sarcastic comments putting down Mr. David Hines laughing at him while he's trying to do his job. Then you wonder why you got treated like a deadbeat.

You sir ARE ignorant because you claim to be insulted by my comments about people but then you turn around and do the same thing with others like David and his wife by calling him names. As for your bill you should have made sure every thing was taken care of before leaving. That means making SURE you have documentation from the apt complex that you did everything the lease required of you which includes a move out inspection so there weren't any damages etc.

I can guarantee you getting a lawyer would have been a waste of time because as long as they got your signature on the dotted line and you have no proof you didn't owe it your lawyer would have told you to pay it. I have seen it over and over again.

STOP acting like you're a victim because it was YOU who started laughing and acting like a fool. Were you being polite when you started laughing at the guy? You could have requested verification of the debt if you TRULY wanted to see the documentation.

This is why I stated that Americans in this country are ignorant and clueless because they make excuses for not taking RESPONSIBILITY of the decisions and actions they make.

THAT IS NOT RACIST SIR IT'S FACT. Then we wonder why we are in the mess financially as a country. Where is YOUR accountability for your dumb actions? It's never ceases to amaze me how Americans preach freedom of speech in this country but when someone comes along with a different belief system or opinion suddenly they are labeled as an outcast.

Hypocrite.

I recently received a call from the gracious Mr. David Hine, and I would have to agree. I have never spoken to a bigger jerk in my entire life. He uses scare tactics and intimidation. I couldn't help but start laughing, and he said, "Are you laughing at me?" and I said, "Can you hear yourself? I have never heard anyone talk like this..." Then he hung up.

The thing is: I never agreed with the bill the apartment complex slapped me with when I moved out. There was no documentation at all- just a list of the things that were supposedly wrong. I tried to correspond with the apartments, but they didn't respond until they turned the bill over to Hiney. I too would like to buy a house this year, and at the end of the day it just made more sense to pay it and avoid the headache. I don't have time to get a lawyer and go to court all for $1400. I would have been more compliant if Hiney didn't come at me like that- this I will never understand. What's wrong with being polite? I think that was more of my issue.

At the end of the day he got his money, and by reading all of these posts he has been very successful acting that way to get what he wants. I can't help but be grateful that I don't ever encouter anyone like that in my daily life, and I can't help buy wonder about his wife. What can she be like? :)

Lastly, I just want to say I am offended by the generalizations made by LAY by Americans. Come on. In what era are we living? That's ignorant. Being a past debt collector, I'd be willing to bet you were in contact with Americans that owed money to someone, moreso than anyone else. It doesn't mean that everyone is that way. There is no reason to get high and mighty like that, and make racist statements. Even if you are American- that's a disgrace. It takes away all of your credibility and just makes you look stupid.

I put a response to the last two posts before Mr. Shapiro put his but I guess Complaintsboard.com must be censoring constructive comments aimed at educating people who come on here and whine about their responsibilities.

Now to Mr. Shapiro, are you serious? By not speaking to the collection agency that was hired by the very establishment you did business with only hurts the debtor. Unless the collection agency is a bogus company or the debt is TRULY invalid that is the only time a debtor should to take it to court.

Wasting tax payer money by going to small claims court on a debt you legally owe all because you fail to accept responsibility for the things you sign is downright ignorance.

Bottom line people is this. If you don't want a collection agency calling you then READ WHAT YOU SIGN and be responsible.

Two tips:

- NEVER speak to a collection on the phone. Communicate in writing.
- If you disagree with a debt, file suit in your local small claims court.

Both of these tactics take a great deal of effort. That's life.

dresnoone:

I am glad you were able to resolve your debt but what HWI did by adding interest was perfectly legal not to mention it was approved by the very client you owed the money to. Funny thing is even the federal government does it when you owe back taxes. Heck they can also do it with child support.

You were one of the lucky ones bc most of the time the client which hires the collection agency to begin with usually refers you back to the CA to handle the matter. It happened to me a few years ago with another apartment complex.

As for commissions and bonuses that's NOT uncommon in any business that deals with financial accounts on a daily basis. Haven't you ever been given a bonus by companies you worked for? They (HWI or any other company) have the right to reward their employees for a job well done.

Car dealerships, banks, telemarketing companies and so forth do this all the time. It's an incentive for their employees to gain something for their hard work. It's NOT illegal or unethical and I am sure you didn't complain when you were given one.

Just make sure your bill is paid and move on that way this burden will be lifted off your shoulders.

msedwards22:

What I don't get is why are you making this so hard for yourself? If you TRULY want verification of debt or any documents you simply send them a certified letter (cc the attorney as well) and mail it to them . This way it's well documented they are refusing to provide the proper paper work.

HWI's address can be easily found in Google. You can even email them directly and make your request.

Website: http://www.hunterwarfield.com

Address: 4620 Woodland Corporate Blvd., Tampa, FL 33614

General Inquiries: info@hunterwarfield.com

Also if you do have a settlement with their clients attorney how come you have given the collection agency the letter stating so? Or call the apt complex to let them know the lack of cooperation you're getting from the CA they hired. It could be you're just telling the collector about some settlement with their client they don't know about.

As for your alleged lawsuit that's up to you and although I agree with you companies that hire CA's need to be responsible, YOU also need to be RESPONSIBLE as well. It seems to me you failed to follow up on your part by not providing the information needed so the CA can go and close your account.

RESPONSIBILITY falls on ALL parties involved MsEdwards22 NOT just the other side.

I received a call from this company about a debt to an apartment complex. They are very nasty and rude. They have refused to provide me documentation of this debt although there was a settlement reached between myself and an attorney representing the apartment complex. This type of behavior is not ok, just because you have not paid a bill does not give any company the right to harass and disrespectful when they call you. At this time, this David guy, is not returning my phone calls and has not provided me with any documentation but yet he wants to be paid. When I file my lawsuit against this company I will also include the apartment complex and the attorney office of which I made the arrangements. Companies need to be more responsible with who they use as a collection agency.

I just recently had a debt placed with Hunter Warfield for collections, in that time I noticed every month they were updating my credit repot with an increased amount owed. When I finally got the funds together to pay the debt, Hunter Warfield informed me the account was interest bearing. By not paying the amount this month, it'd only increase the next. I immediately began working with a credit company to negotiate a settlement. Apparently, the company received bonuses/commission for funds received before the last business day of the month. Hunter Warfield countered every offer sent to them until I got the original leasing company involved. The leasing company contacted Hunter Warfield the same time Mike Geary of Hunter Warfield did to negotiate a 50% payment by the weekend and the remaining balance the next weekend. The original leasing company agreed to my terms therefore forcing Hunter Warfield to accept my terms. Needlesstosay, I called Mike Geary to set up the payment arrangement or autodraft if possible and he wouldn't answer my calls nor return them. I had to make payment arrangements for the accepted offer with Adam Rock, who seemed more pleasant than any of the Hunter Warfield staff.

Seriously Look at Yourself:

I appreciate the comments made in your post. I absolutely agree with the "chop shop" statements and even though there are bad agencies out there who should be shutdown and give the rest of the industry a terrible name that doesn't give the debtor the right to be irresponsible with their legal obligations to pay because in the end we pay more for their blunder.

It never ceases to amaze me when I gave the debtors the FACTS they accused me of being rude or threatening even though it was the truth. Then they had the nerve to call me months later (after being sued) to complain about it.

You used the same example I have when debtors get on here complaining in these message boards about their $25 payment not being accepted bc they think the CA HAS to take it (big myth).

We all know full well that if someone owed us $5k there is no way we would accept $50 a month from that person. If they say they would they're liars. This is why CA's are NOT customer service bc they represent their clients NOT the debtor.

Unfortunately Americans in this country will make EVERY excuse not to pay but will quickly run to the feds when told to.

At the end of the day it's about being RESPONSIBLE like it or not and being held accountable.

You know everyone complaining on here about how they are treated by collectors need to step back and "Look at themselves." Look at Yourself if 100% correct about everything that they have posted. Look at Yourself is doing what most people complain about and that is giving you the facts. I have worked in collections for years and vouch for everything L.A.Y. says. With that being said L.A.Y. provides you with very relevant and helpful information and is called rude for it, many collectors are accused of doing the same thing every day. GIVING YOU THE FACTS! If you don't pay your bills bad things happen. Now I will admit there are bad agencies and bad collectors out there that give all the good ones bad names. Most agencies hire professional debt collectors that have several years of experience so they know they are getting someone who knows how to handle their files. There are few agencies known within the industry as "chop-shops" that hire high school dropouts with substance abuse issues for dirt cheap to collect debt that is out of statute. (If your deabt is out of statute DO NOT PAY A DIME! If you pay even a dollar on it it becomes reinstated and they can sue you.) These agencies end up going under after a couple of years never to be heard from again. As for the "chop-shop" collectors, well, I'd say they end up complaining on the internet about good collection agencies trying to collect one of the numerous debts they owe. Yes I will admit that was rude to refer to the people complaining on here as high school dropouts, but I really don't think I'm that far off. As a collector I understand that most debtors want to pay their bills and we get that people sometimes go through hard times. But if someone owed you $5k and claimed they could only pay you $50 a month until it is paid off, would you agree to that? You have to what you have to do and the agencie will certainly do what they have to do. L.A.Y. keep up the good work I must say I am extremely curious as to your identity and back story but either way you give good information and people should be on here thanking you not putting you down.

I suggest you read the links below and the ramifications of choosing not to pay your bill.

http://allcreditrentals.com/2010/10/22/broken-lease-eviction-tips/

http://www.creditcards.com/credit-card-news/todd-ossenfort-lawsuit-debt-collection-garnishment-1292.php?aid=46bf5df1

Hey PR4Life:

Your quote:

"well i got new for you Hunter war! screw you..i don't give a dam about my credit..."

Uuhhh really? The only one you're hurting is yourself with that attitude. If I had a nickel for every time a debtor told me what you just stated I would be rich.

It's more than just your credit. This can affect you with everything else in your life not to mention if it's a large debt you could be sued by the apt complex you lived at.

If you TRULY want to setup a payment plan you could easily speak to a manager and not the collector. I am sure your post is missing some facts because you were probably the one with the attitude. Chances are you probably offered them some $50 bucks a month or wanted to mail in your payments which they don't have to accept.

Remember PR eventually you will need something like I did and end up calling the CA later on only to find out you owe more because of interest. But that's your choice.

I just called them right now...all i wanted was some information on trying to make payments and they hung up on me...they are extremely rude and not profecional at all...they think I'm pay someone like that...well i got new for you Hunter war! screw you..i don't give a dam about my credit...

Here are a couple of videos that I found on Youtube which CLEARLY shows what NOT to do with your apt and what people can do when handling disputes with their landlord.

Tenant vs Landlord Disputes - The REAL Truth Behind
http://www.youtube.com/watch?v=P7sRGUNzruI

WWBT Story on Landlord-Tenant Disputes (EXCELLENT VIDEO)
http://www.youtube.com/watch?v=J31z4n9gsg4&feature=related

Sounds like a crack-pot business.
You know as well as just about anyone that the Miranda is given by law enforcement once they find a crime has happened through asking basic question first.
You need to report this company for fraud because they are using the "Scare" tactic to make you go away, good for you in standing up and not taking it.
I'm sure you know what agency you need to contact for fraud, good luck.