If you owe money to Ace, and their employees, not a third party debt collector, is collecting the debt, they are not breaking any laws. That is to say, their business practices may not be the best, but legally IMO( i am not an attorney, nor should my advice be treated as such) you have no case.
Pay the bill in full at once and never do business with them again. Then tell everyone you know how badly you were treated.
One, you make several claims about what you say you owe. If you have an oustanding balance it may or may not have a statute of limitations on it. Not sure of your state regs on that. but you claim your credit has suffered. No kidding? Pay your bill on time as you agreed to do.
Two, you claim you paid the bill. Now you must prove it. Not the agencies responsibility.
three, the do not call at work complaint, if valid, is highly illegal and violates FDCPA. I would hire an attorney to handle that directly with the agency. third party debt collectors are suable for damages, and even the agent who called you can be sued for up to 1k for each occurance!
Always, get names, first and last, note the time and date of the calls. you need proof of these violations.
bottom line is you put yourself in this position if indeed the bill is still owed. Dont cop out and blame everyone else for not paying it.
Get their address and mail them payment in full! Collection reps get paid commission on their payments. They want as much money up front as they can get. Just pay them as soon as possible.
First thing to do is call them, get their info, and who they are collecting for. When did they notify you by mail? Then tell them to never contact your work phone again. I would also suggest sending them a registered letter to that effect so you have proof you sent it.
Then if you owe a debt, and you are working, it is wise to get in a payment plan.
Ignoring the issue will not help you at all. It may get you fired even. You need to get on it.
You need to pay them in full, if the debt is valid. Stop complaining and pay your bill. now if they call you at work and you told them not to, or they cuss at you, or they call you repeatedly in the same day, then you can complain.
This situation alone should be reason enough for anyone not to be in collections. The most difficult situation to resolve is what you explained. A 3rd party either not reporting the payment to the correct debtor account, or not reporting it at all!
As a consumer who is paying a debt off, it is imperative to maintain reciepts, bank statements, check copies, letters, whatever proof you have that it is paid. You should also follow up within a week or two with the creditor owed to make sure they have recieved payment. if they have not, suggest they contact the 3rd party. tell them you paid the bill but the 3rd party is still calling! Try to keep it professional and suggest it wise they follow up.
Get names, dates, addresses, phone numbers, anything you can get...
Are they local? does a number show up on caller ID? Have you recieved mail from them? They have to tell you why they are calling and who you supposedly owe money to. dont pay them unless they do.
So you had a bill, you refused to pay it, additional charges were added, as legitimized by state law(possibly i dont know the state) and you are mad at the debt collector?
The cert mail is wise. but in what other ways are you being harrassed? your statement that companies write debt off is not correct. They always have the debt. They just take a loss on balance sheets. They can hold it, sell it, or hire a debt collector.
You owe 30 for now, and it sounds like it will only go up. It may even hit your credit report. But like you say, you dont care.
Why complain about something you dont care about?
In reference to the proposed Class Action, do you have a lawyer interested in handling the case? I have hired a lawyer who has dealt with NCS on a similar situation.
Also, did BMG report the collection with an erroneous address? They did this to me and my lawyer said it helps to prove that I did not incur this debt.
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huh? creditors report unpaids with the last known address they had at the time. Of course it helps to prove that you dont owe the bill. duh.
to the original poster. you go from ncs showing up on your file to suing them? Did you talk to them? Why do you claim it is not a valid bill? What action did you take to dispute the debt? Fill in the blanks.
Again, not enough info here to try to help. Do you have a debt outstanding they are collecting on? Did they send you first notice? You mentioned a few statements they allegedly said during conversation. Of course they have your ss#. So what? I dont think the contact attorney one was very smart, but it may be an option they have to resolve the debt. if they intend on doing that, and it is legal to do so, then they can say it.
I also dont understand the last sentence. You gave them the OK to run a credit card on a bogus account? Fill in the blanks.
Also, violating FDCPA is not violating your civil rights. It is violating a federal act. not even close to the same thing.
Where is your complaint and this is not a collections complaint at all.
Wow. Well. First things first. Do you owe that credit card company any money? If you do not know, then you should ask for proof of the debt by submitting a certified or registered letter to the debt collector, if that is what this company is acting as.
Second, if what you claim is true about there statements they violate about every statute in FDCPA. But then you agree to pay them?
The letter looks to be an agreement you made to pay them in full. It is not a reminder statement of your checking automatic payment which you legally have to get every month prior to the money being withdrawn.
Now, I am not an attorney nor do I know state law in GA. but if it were me and i didnt know what i was paying, I would first send the company a cease and desist letter, again by registered mail. You would also instruct them to stop taking payments out of your account until proof of debt is obtained. If the debt is valid, then you owe it regardless of your income. But really what can they do to you if you are on ss? You arent working, they cant claim to jail you, that is illegal. they cant claim your ss.
If valid, I would send them a money order for $25 every month by a certain date. That shows you are making appropriate, voluntary, and affordable payments to clear your debt.
If you send a cease and desist and they continue to contact you, you need to contact an attorney, and the state attorney general immediately.
Nonny is correct in most cases. There are instances with certain debt that your SS and or Dis can be garnished. I dont think either of these options are available to consumer credit accounts however.
If the money is indeed owed and valid, it makes no difference who currently owns the debt. Legally the debt is owed. Collectable? maybe not. But I would rather make small payments if it was indeed a legitimate debt. Otherwise why bother following any laws or rules?
not unusual in the debt collection industry at all.
I hope you still the message that the collector left you on your phone? He broke several FDCPA statutes and left himself and his company on the hook for suit.
Hire an attorney and have him play the message for their compliance officer, owner, or both. Contact BBB, and the state attorney general.
I would hurry up and get undercover somewhere. Soon the little green men from Xylon7 will be here. Your connections with Bush will help you however, and they will only manipulate your mental functions. Had you been involved with obama they would have taken your testicles.
your lucky man, really lucky.
Hey, did you see that bright light last night? Spooky. I think it was the man, trying to bring us down.
oh btw, vietnam was a hoax. You were under a drug induced state planted by kennedy. Shhh. dont tell anyone.
misrepresenting yourself as a person who can read and write is illegal as well. get some help. obama will help ya. dont ya know?
So, I was correct or are you saying I was incorrect? I am going with correct. I also think I am correct in stating that if the bill is owed and valid minimum attempts should be made to pay it. I dont think one could argue against that statement.
Before placing a judgment and/or a garnishment you are able to request a hearing. With proof of multiple monthly payments which were accepted and cashed by the agency most judges would rule that the payment plan was acceptable. however missed or late payments may be viewed as negligent payments by the court.
Regardless, your personal expenses are reviewed and only certain % of your income is able to be garnished.
Did you request and or attend a hearing? Again I am not an attorney and do not know MO state law.
I dont see where the agency is out of line in this instance.
exie is a guy, and exie was being facetious.
Calling cell phones are huge issues right now. As more and more consumers switch to cell phones, it is possible that those with legitimate business needs will have more ability to call them. unless of course obama doesnt like it.
However if the agency does not know or is never told that the number is a cellular number, how can they be held accountable? Also, just because a number is unlisted does not mean your son didnt give it out to either the consumer or the creditor, or to a skip trace source. Skip tracing is another slippery slope.
It is legal for debt collectors to call relatives to try to reach a debtor. but they should not make repeated calls if told their is no info for the debtor.
Why not just tell your son to call these folks. Make him accountable for his own actions as adults should be. If this is a legitimate debt, it is in your sons best interest to clear it up as soon as possible. Hiding him from the debt wont help him at all. Dont turn this into a us against them thing.
I dont see where she said she doesnt think it is valid. Maybe it is my eyes that are wrong. Why would anyone pay on a bill they didnt owe?
case reopened.
If I understand the situation, the 3rd party that offered a settlement, did not get payment due to your error with the account. they then either sent it back to the original creditor, who reassigned the account to Allied. They then added more collection charges and now you owe more.
The contract you signed originally should have outlined what would happen with nonpayment. This would include additional charges for collection of the debt, including collection charges, fees and court costs.
This all seems fairly legit to me. I know it sounds unfair to you. I would also add, the first agency made a terrible business decision for not working with you for the correct banking info, but sometimes the client decides when their accounts are pulled. They(GE) may not have had a choice but to close the account.
Dispute the charges in writing, request validation of the debt, and contact the credit bureaus. Ask to make a consumer statement in case this hits your credit file.
If the debt collector can not provide the validation, they may just close the account, or resell it, starting this never ending circle all over again.
Charges from cell phone providers are very difficult to clear up. Places get bought out every day. Retailers close up shop often, as you know. There are so many loopholes and requirements in the contracts, who knows if you can ever really get out of them.
sucks I know. Good luck david.
