You started off by saying you owe the money and that you had been getting bills forever.
Perhaps TX has a statute of limitations on the monies owed or debt collection laws that prohibit them from collecting the debt. But I dont understand your complaint? If you owe it, what does it matter how many times the company changed names?
I certainly wish the American public would realize the liberal congress and liberal president of this country are scamming us alot worse then these guys ever would.
good luck!
Maybe...
I would also make a consumer statement on all 3 credit bureau files. Just in case.
I would also advice you to follow up again with the University. One to make sure the payment posted in full, and two to complain vigorously about the treatment you received from THEIR 3rd party. I would tell them that you are going to complain to the AG as well.
These complaints are typically taken very seriously by the creditor, especially this type of business. Alot of huge international companies? forgetaboutit...
There has to be info on a complete credit file for the company, and address or soemthing. I'm not talking about the freebies you get online. The kind a mortgage company would pull if you applied. On the credit file you should see strings of numbers next to the item. These are numbers associated with your account, usually only meaningful to the creditor.
Also, see if there are recent inquiries on your file from this outfit. There should be address phone info on those as well. Tax IDs something...
You mentioned the debt was incurred by your company. FDCPA does not cover businesses. While this company is not IMO going about collecting the debt correctly, I dont think you have a valid claim for 'illegal' practices.
What type of bill is owed? If it is medical and incurred during your marriage, then you are on the hook as well. Most others are not your responsibility. But mind you, regardless of responsibility, if you two want to apply for a mortgage, you would be harmed on that application with negatives on his file.
This is what I would do. First, make your husband call these folks up. Have him be calm, and maintain that attitude. It wont be easy. Second, it may be appropriate to request the itemized statement for your records. You should also send certified mail on this request. In that request, also make a cease and desist statement. This prohibits them from contacting you further. Be advised though. This request may cause immediate legal action. If your husband is employed and they know how to verify that, you may be garnished.
Keep records, names, dates, times of any contacts after the cease and desist. When you get the statement make payment. To avoid judgment it would be best to pay in full. You could contact them to offer a settlement however.
By the way, email communication is most likely illegal.
Call the number and find out what the issue is. If it is a valid debt make an arrangement to pay. Most account numbers on debt collector bills are internal account numbers, not the original account number from the creditor.
The advice given to not speak to them on the phone is not only irresponsible but also ridiculous.
You need to review your bankruptcy discharge papers. It is possible some accounts were not included. Also bankruptcy laws changed in the 90s, I dont pretend to know all of what changed. Seek legal advice.
Charge offs and statute of limitations are tricky as well. Some debts are not reportable or able to have judgements placed after certain time periods. but that does not mean collection activity halts.
Again, seek legal counsel.
You claim to have a payment arrangement set up, but then you never received letters pertaining to owing money. Which is it? The company may be perfectly able to seek balance in full at any time. Liens are used to attempt to obtain that result.
How is money deposited in your account? You need to change that asap. Cash your checks and either send money orders or buy gift credit cards and load them with money. that is pricey as well. I dont know how you are going to get your money withdrawn from your account now without making acceptable arrangements with the agency.
First notify your bank that no further draft should be paid to this company. next send a certified letter to the company telling them what you expect and threatening legal action.
The fine line print details what your responsibilities are when signing on with any on-line, telephone, or other solicitation. They use alot of tricks to get you to authorize payments.
good luck
lilred75
Back to Inbox
Smart remark
June 14, 2009
Exie, if I dont care about the debt and complain about it, why do you respond to other peoples problems, and leave smart remarks about the issue?
----------------------------------
This is a response this person sent me. Come on people. Dont compain just for the heck of it. From my professional experience, I see absolutely nothing wrong with the collections efforts of this firm, in her case. Sounds like someone worked collecting debt, didnt like it, is a debtor and now wants to go off on the industry.
People, debt collections is just like any other business, some good, some bad. some follow laws, some do not. As a whole the industry collects billions of dollars a year in the US, monies that if unrecouped, would only raise prices for all of us.
Those of us who pay, pay for those of us who dont.
It is responsible of us to pay our legitimate bills on time, and before they go into collections. When we do have an account go into collection, we should expect agencies to follow FDCPA as outline by congress. When that does not occur, we have measures available to stop illegal practices. But, we still must pay our bill!
There are many, many instances where things happen out of our control. I am trying to offer legitimate advice on how best to resolve those situations. I am not an attorney, and do not play one on TV. And did not stay at a Holiday Inn last night. I do have years of experience in the collections and credit industry in a number of professional capacities. I am also not working as an agent for this website. just another schmo who found the cite and offers some help.
I am not being an advocate for the industry, but an advocate for those who honestly need help.
okies. i was tired as well
Why not just follow the speed limit? Why did you post this under Collections? Maybe under 'those who break the law must pay section?'
One other thing. If this agency is working as a Third Party Debt Collector, the letter that was sent to the poster appears to be non-compliant.
if canada has a small claims court process, try that. but making him pay is a different matter.
If it were me, I would plant a judgement on him just for fun.
So you are ranting because you wont/cant pay your truck payment and they are trying to make you pay? Why do they need to give you an extension?
Sounds to me like you got in over your head and are now taking it out on the loan company.
Negatives show up on credit files for alot of reasons, regardless of what address is listed. It is entirely possible that one of this posters family members used her name. it is also possible that she didnt even know the person who did it.
If the address listed is one of her older addresses, I dont think the point is relevant. Hiring an attorney is not always the answer. It is also a costly venture that rarely gets the bill resolved. It does end calls from the current debt collector, but the next one who gets the account wont honor the attorney order.
It is always best to have the debt paid, or removed if in error, from the file, instead of simply sweeping it under the rug.
my goal here is to help the poster, not get in an email with another one. I will call out what I feel are negligant and not in their best interests. I fully admit the DUH was probably a bad addition to my response.
valid, unpaid debt can stay on ones credit file for up to 7 years.
good luck to ya!
this site does not load. per a yahoo search, there are ALOT of complaints on this company. I think you were had.
how did you pay? If by CC, dispute the charges through the bank. Funds should be returned to you at that point, by the bank.
How did you pay? if by cc, call your bank and dispute the charges. You usually have 6 months to do that. I would have had a hissy fit right in that store if this would have happened. Never let peons talk you into something you dont want or arent comfortable with.
sounds to me like you two are conspiring to try to smear the agency. Too bad.
You need to call this outfit to get an itemized statement. If one cant be provided send a cease and desist letter cert/reg. mail so you have receipt of your order.
have you repaid your payday loan? If you a had a loan default, it is entirely possible additional charges and fees are now due.
I would suggest speaking with this agency to see what the circumstances are.
You wont like my response, but here goes. How can you possibly think you making a poor deal warrants getting your money back? And to make it worse you blame the entire city? Of course tourist stops are going to sell overpriced, and some times low quality fares. They do it to make money!
Had you brought your own binoculars you wouldnt be in this position. You could have even bought them at the local shops instead of waiting to buy in a tourist area.
Did you use the binoculars while there? And now you want your money back because you decided to buy them?
No thanks.
Also, it is NOT a wise choice to post a picture of someones passport on the internet. Not wise at all.
