United Recovery Systems review: Annoying multiple weekly calls! 100

i have a thought maybe all the people on this forum ### about bill collectors calling them need to stop spending money they dont have. also its totally legal to call peoples neighbors, family members, landlords etc... to get the information on the whereabouts of the person in debt. furthermore, did you know that its illegal to have a credit card run up the bill and not pay it. its in the terms of your credit card contract you probably didnt read. alot of the people here on this forum give bill collectors the run around because " they are bad people" or whatever your reasons may be. but is it not also wrong to spend money and not repay it whatever your circumstance may be did you know that at urs if you just listen to the people on the phone they do in fact try and help you come up with the best solution to your problem. debt is everywhere I personally take pride in helping people solve there problems with this matter. of course there are some bad apples that need to be weeded out but im sure everyone at every job has a handfull of those. cant wait to here your lovely responses to my opinion although youll never be able to change it. forums like this where people ### and ### is utterly pointless. in the longrun is your problem really being solved. and the obvious answer to this is absolutely not.

If you feel you are being harassed ...ask for the company's fax number and send a Cease and Desist letter. Your account will be marked Do not call. You may also mail/fax a complaint against the collector or ask to be transfered to Compliance. You may include in your cease and desist letter not to call your neighboors, relatives, or friends. If you are having a rough time paying bills...you may send a hardship letter. Your hardship letter may include a cease and desist. You often can settle an account as low as 2% at the risk of your credit.
The debt collectors themselves have a ridiculously high turn over rate, so you can imagine the amount of unskilled and rude people that are employed, but in general their manager are going to be easy to talk to.
This company also has its very own law office...if their clients choose so...URS may file suite against YOU. The company is very very aware of the law, and knows a million ways to "get around" it or use it to their advantage.

We have to stick together. If we as consumers lodge continuous complaints about URS, then the government will have to do something. Our voices will be heard. Here's some info on how to lodge a complaint.

They called me looking for my family, stating someone on the account had used my phone to call them. I said, it's unlikely. Isn't it against the rules to take a phone number down as a contact information just b/c it was used to call in? When I refused to verify information for them until getting complete disclosure from them, they told me my family member's full name, last 4 digets of their social security number, and full address. They threatened that my family member's financial debt would now be linked to me.

I knew my rights, and I knew they were just bullies. I asked to speak to a manager and had him remove my phone number from the account. I told him the violations of the law his staff had just committed. He said that didn't happen that his staff was just trying to get more information. Then he pursued the same tactics - trying to get information from me. When I asked him what company he worked for (b/c I knew Citi bank sold this account to him), he refused to answer at first stating since I wasn't connected to the account he couldn't tell me anything. I said, I'm not asking anything about the account, I wanted to know what company he worked for. He reluctantly told me. I told him I would be filing a complaint. He said, it's not harrassment, you can't file anything. I said, wanna bet!

The link below will take you to the actual code that protects consumers from greedy vultures like URS:
http://74.125.45.132/searchq=cache:N8VLI_XcsooJ:www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf+FDCPA+laws&hl=en&ct=clnk&cd=1&gl=us

The link below will take you to the Federal Trade Commission’s complaint site. It will allow you to immediately go through and file a complaint against United Recovery Systems. After clicking the link, click the icon on the right of the page to begin the complaint wizard. https://www.ftccomplaintassistant.gov/

Fight the power!

You people sitting here whining and complaining does nothing, if you actually took the time to speak to the person calling you and did things the Right way you would not have so many problems with "Constant Phone Calls", they can be reasonable people but when you get on your high horse you push them to act in a manor that is unprofessional, well... you bring it upon yourselves, so your Bank/Creditor sends you to collections...### Them! you end up wining, because if you know how to act professional yourself and negotiate with them you will get better results than trying to negotiate with the bank themselves, i mean come on banks charging you for making payments late? why would you want to throw more money to those hungry sharks and entice them to keep taking it? And remember it's because of people like you that the economy is the way it is.

To those who seem to think that anyone who has a debt is lazy and unemployed, please stop. Debt happens, even to those who have more than one job. The only thing I can really recommend is to do research to make sure the debt is not yours and then if you find out any part of the debt (or any debt for that matter) is yours, get an attorney that specializes in debt relief, and have them work with the company who owns/has control of your debt and work out a payment plan. It's what I did and I don't regret it at all. I tried working with URS and it got nowhere. I was completely ignored until I got the attorney and even she had to call more than once to get any kind or response. URS might be good at getting the money owed from debts, but they sure aren't all that good at working with people!

Whoever typed here before... you all should be ashamed of yourselves. You all are such a stupid ignorant individuals that don't know anything about laws. All you know is run the credit card all the way and try to hide and see if you can get away with it.
YOU ALL DON'T HAVE A CLUE WHAT THE LAWS ARE, WHAT HHAARRAASSMMEENNTT IS AND HOW IT IS SPELLED
If you don't want calls from URS, PAY YOUR ###ING BILLS ON TIME! AND IF YOU ALL HAVE ACCOUNTS WITH URS... IGNORANTS! IF YOU PAY STRAIGHT TO OUR CLIENTES (AMEX, HSBC, ETC, ) WE (OUR COMPANY AND US AS COLLECTORS GET CREDIT FOR IT)
THANK YOU ### HOLES, BECAUSE YOU ALL FEED US AND OUR FAMILIES... LOVE YOU ALL!

PS.- GET A JOB, SO THAT YOU CAN PAY YOUR BILLS
GET SOME DIGNITY SO THAT YOU DON'T COMPLAINT IF YOU ARE NOT DOING THE RIGHT THING
AND GET A LIFE, SO THAT YOU DON'T HAVE TO BE TYPING HERE ABOUT TOPICS WHICH YOU DON'T HAVE A CLUE WHAT IT IS ALL ABOUT.

This company needs to be closed down for good. I have been recieving calls for my aunt who does not live in this state and whom I have not had contact with for over 3 yrs. and yet they called me. The funny thing about it is the telephone they called me at was not in my name and is not my telephone. It was my mother`s telephone number. I got the runaround with this company about how they got this information about me. They claim to have some of my personal information and that I was put down as a reference by my aunt. I don`t know what to think and I do not like this situation and I do not expect this crap happening to me from this so called company.

I am contacting the FTC (Federal Trade Commission) regarding this company. My son has an outstanding debt which he pays monthly but the reduction of that debt is only a few dollars each month compared to what he pays.

Please, everyone contact the FTC. This is how class action suits are generated - by lots of people complaining about the same company.

Jesus ###ing Christ, on race principle alone i so dearly hope that you were sorry ### mother###ing redneck chicken ### debtor and he places you as no pay, then the creditor sues your ### for the balance in full and that conversation is played in court. you'll be ###ed.

These guys called my phone the other day. Being as awesome as I am, I couldn't help but fight back. Here's how the convo went down between me and the poor black man on the other end of the line... DISCLAIMER: I am not a racist, I'mm just fighting back.

URS: Hi, is [privacy] there?

ME: Who?

URS: [privacy], are you sure? He had this number before. Did you just get this number?

ME: Who the F*** is this?

URS: Who is this?

ME: Yeah, who the F*** is this you F****** N*****

URS: WHAT? [very serious tone now]

ME: Ohhhh, you don't like that do you N******. How about I hang you from my F******* porch?

URS: *SIGHS ANGRILY*

ME: Haha, Lucky you gets to talk to me! Now what can I help you with C***SUCKER

URS: Who am I speaking with? *ANGRY!*

ME: Ok, N******, you call MY phone and ask who it is? Shouldn't you know? Oh wait, the only people that get filled for your job are high school dropouts and former addicts trying to live a new, steady life...and N*******S! HAHAHAHA!

URS: *Hangs up*

They have NEVER called me again. EVER.

I can never figure out why so many people don't just do what I did. Have some fun, fight back, and make them want to quit!

How about you pay your god damn bills. and you won't be harrassed. Read the contracts you sign, before borrowing the money from the bank. And your very wrong ISpVOIP amex is URS best client

On two separate occasions, the collection agencies have contacted my two neighbors to deliver a phone message to me. I'm humiliated by their tactics, especially since I hardly know my neighbors. Under the Unfair Debt Collection laws, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer.

I agree with the prev emp of URS. He totally broke it down, that is EXACTLY what we went through. I too am a prev empl and I got migraines every day. Had to quit. They are horrible people there..

I work for this company. I would like to take the time to explain a lot that I can't while I am working. URS is a company that has been in operation for over 30 years, it is one of the largest, and the FDCPA, GBLA Act, and strict Corporate regulations define what we can and cannot do. Essentially our job is to recover a debt in the least possible time as far as possible towards 100% of the debt. That doesn’t mean you have to pay it all now, or all of it at all, talk to the rep about it.

Some states have laws that override federal laws (FDCPA) but generally we can do all of the following:

Contact 1 time per day at any given number (or re-contact if no answer)
Home, cell, place of employment, relatives, neighbors (nearbys), multiples (same last name), associates (indicated on the credit bureau – CBR) and any other possible source of LOCATION INFORMATION (even the bar, minimarket, local – use your). But these third parties may be contacted only once unless we believe that in the meantime they might have acquired further info. There is a lot more to this and there are some limitations and variations that I can address in the future, but I don’t want this to be too long.

If we have a valid contact this STOPS – if you don’t answer the phone or call back it will continue. This is NOT harrassment. When we make a call, if we are unsure the number is a HOME or CELL phone for the consumer we will leave a very generic message that does not imply that a debt is owed.

Anybody we talk to, even at a home number, we will not imply the nature of the call except a "personal business matter" as we do not want to embarass anyone and it is against the FDCPA. Many people pry and want to know what it is about. Give us a break, we don't want to waste time either and we cannot disclose that information to anyone except the consumer, his/her spouse (with the exclusion of some states), attorney or any person that consumer may delegate, we have to record that permission before discussing.

If you say you are the person we are looking for, we are going to ask for a second verification either confirming the mailing address (a po box is fine) the last four of the SSN, or date of birth. This is for your protection. We have all this information anyway, not confirming justs wastes your time and doesn't solve your problem.

By the way – collection agencies are not subject of do not call lists.

Answer the phone, call back, be polite – we will too. We are here to find a solution, be sure there will be one within your capabilities. If it is not YOU we are looking for, sorry, tell us that and you will receive no further calls if we can define that you are a third party with no information.

Being a 3rd party collector we are not allowed to threaten like 1st party, most experienced collectors do not want to anyway. The new hires are usually pretty fired up, but we keep a close eye on them and they usually have an experienced collector next to them on one side or another. Sometimes a collector might seem rude but time is of essence, we have all heard every story, we will listen, but we have to make decisions quickly that take into consideration many things. The consumer (yes, we actually care), The client (original creditor), our company, and ourselves. Yes, we know something bad happened, we don’t need the raw details, we just need to find a solution.

Remember - your problem is not ours, we did not cause it, we are only here to find a solution that does not cost you a penny, there are no charges to you for the services our clients (creditors) pay for.

I am one of those who keep getting calls from these people regarding someone else.
Since I can not give them any contact information regarding the person they are looking for, how can I stop them them from calling me all the time?

I think some of you guys are over reacting. I had a debt with URS and to my surprise; I was treated better than most customer service companies I have dealt with. I guess we get what we bargain for. If you call an agency and start to be rude just because they are calling to get the money you owe, then I think that is ridicules. This is their job and let us gives them the credit they deserve. How many of you will want to loan somebody money and have to go through a process to get them to pay. I bet you guys that all that would have been way due in court. All you have to do is be a little polite if you don’t have the money and don’t be rude.

On June 20, 2008, I received a call from an 888 number. The woman did not identify herself or what company she was representing. She knew our name and asked if this was our residence, which I replied that it was. She then went on to tell me she was trying to reach one of our neighbors. She gave me the name and at the time it was not familiar, so I told her I did not know anyone by that name. Later, after telling my husband, he told me that was our new neighbor. There must be a way to file a federal complaint. I looked the phone number up on the internet and it belongs to United Recovery Systems. If I am not mistaken, it is illegal to call a person unless they are listed as a contact person on proper documents. I have not spoke to our neighbor concerning this, nor do I intend to as I do not wish to start a relationship in that manner. I would be extremely angry and embarrassed if my neighbors were being called. Is there any official place that I can report this call and actually have some action taken against this company?

Kisseyface you've got to be kidding me, I have no debt. My car is completely paid off, student loans paid off, I'm 29 with a fico credit score of 804, I got my current number about a year ago and then I started constantly getting calls from a collection agency, after telling them he doesn't live here they are rude and say have him call us, or where does he live, or why did he give us this number. I then started logging calls and asked whats this concerning, after they are finish I say you have the wrong number I'm logging this information and if you continue to call I'm contacting a lawyer, after a few calls they get it and they go away.

Then a couple weeks later a different collection agency calls, I go through the same thing. This has happened several times and today I got a call from this number asking for the same person and I blew up him saying, he doesnt live here and if you call me again I'm calling a f****** lawyer.

They call all times of the day and for a few weeks straight I had my phone ring at 8:AM in the morning, I work second shift so as a result I'm disrupted from my sleep. This is harassments I can understand if someone owes money but even then you should be a little more profession so tell me Kisseyface how do I stop this S*** if I don't owe money?

I am not crazy after reading the messages here! For months now I have been getting calls from this agency from one to four calls a day. Each incoming call on my Caller-ID is different than the previous ones. Most of the calls are terminated after one or two rings making me quite mad to rush to the phone with no one there. Again the balance of the calls answered there is no one there. Once I got a human on the other end who was concerned about my high debts and would help me with debt consolidation, I responded that I had no debts to consolidate and ended the conversation.

I have called the police and then my phone provider to see what can be done. I have followed their instructions to call back these folks and ask that they take me off their calling list. After answering tons of questions they said that they had the wrong person and they would remove me from their list. That was 2 days ago. Yesterday I again got a call from them at 8:30pm and again this morning at 8:30am.. In both cases the phone rang twice and by the time I got to the phone they had hung up.

I will bring this problem to the attention of someone who will bring this agency to their knees and perhaps PAY me for harassments over the past months. Time will tell which method I will use, this just the beginning !

Just to let everyone know that I am a collector with URS, and yes we have to use certain tactics to get the debtor to pay off their debt in a timely fashion..Once you have defaulted on your original credit obligation, you have violated your contract with the creditor and leaves you at risk of paying the balance in full Today! I am not an evil person, we are not evil people, we have say all those things to debtors because thats URS's policy..If wedont follow script, then we can lose the file and our jobs..If you want to save yourself some further stress, just answer the phone, even if you dont have the money right now..Any man or woman would be a fool to not ask for balance in full Today..Some people do have the money, and how would you ever know that if you do not ask..And when you do answer the phone just say that you dont have the money right now, and we will be happy to set you up with payment arrangements for you..Another thing, be honest about your situation, dont try to lie... like saying you dont have funds, when in fact you do...and in stead of trying to argue with the collector about contacting your neighbors, just put yourself in the client's shoes..just think if you had to run down the person who owed you money, how would that make you feel..Stupid, for loaning your money and now you have to track this same person down and argue with them why they ned to pay you back..come on people, just pay your bills..JUST GROW A PAIR FOR GOD'S SAKE AND SUCK IT UP..ANSWER THE DAMNED PHONE..COMMUNICATION IS KEY ! Another thing is, if you send in a cease and decist letter to our offices...the creditor will sue you for the balance in full, WHY>> because you cut off all communication..If you have any questions about collecting..ASK ME! THE ONLY STATE THAT WE CANNOT CONTACT NEIGHBORS IS TENNESSE...

In all fairness to these bloodsuckers, I called all my current cc companies and it turns out CITI bank is trying to collect on a debt that was discharged through bankruptcy court in 1994.

They just introduced themselves to me today. Like the person above me I pay my bills as they come in and there is no way I have any outstanding debt. I live in a Michigan, which is a non-community property state and whether she has debt or not it is not supposed to be tied to me, she does not as far as I know.
I called the number back out of curiosity and was told the person who called did not work there, then oh yeah she might, but she left. All the while the women, Janet, was fishing for information about me. How do you spell your name? What is your phone number? What is your address? What times are you and your wife not at home? I did not give the address or the times, but told the woman that I wanted to speak to her supervisor. Some guy who refused to give his name, explained that he was too busy to talk to me. I called the sheriff's office and made a complaint, they sent a deputy and took a statement, but all he did was to call the company and ask if they were legitimate, which of course they claimed they were.
From the questions that they were asking me, it sounds like they are branching out into identity theft. I advise caution about you information when dealing with these people.

My fiance works strange hours in demo/const amd I keep getting a hang up from [protected] every day and sometimes more than once a day. Today I finally called them and was told they needed to speak with him and insisited on knowing when he would be home. I asked why they didn't leave a message when the machine picked up if they need him to call them. She began very "mysterious", refusing (thankfully for her) to give me any real info, but certainly making it sound like something in the shadows. Unknown to her, we have been together for 9 years and I handle all finances for us. There are no outstanding debts except for the normal mortgage payment and once credit card payment each month...done ahead of time! Who are these idiots?!

You all need to read on the dotted lines before u sign contracts. Alot of these things u are complaining abt are things you put urselves into. For example, the cosigner of the track, what did you think co-signing means. If the debtor can't pay, then they come after you. That is what co-signing is. So they are not doing anything illegal by calling you about ur sons car/truck. Read the contract u signed.

You all need to go to the FDCPA website and find out your State Laws regarding collections and bill collectors. Calling neighbors or your job is not illegal until you specifically request them to Stop it. The state laws also regulate how many times they can call you and how many contacts they can have... for example, they can call you twenty times a day and as long as they do not talk to you or live a message it is not legally considered a contact therefore, not illegal. Do not waste your time complaining abt collectors here. Read on ur state laws and make sure they follow all the guidelines provided by the FDCPA. For every violation, they pay you $1000.00. So Educate your selves, follow the right steps and get them to pay for harrassing the right way. Coming to this site to complain and cry abt the calls with other debtors does not solve anything. And most importantly, pay your bills on time. But all the complaints you have might be valid. GO TO THE FDCPA WEBSITE AND YOUR STATE LAWS REGARDING COLLECTION EFFORTS. And put in mind every state has different laws for collectors that is why airing ur grievances here is a waste of time.

PS: I used to work for collections, and all collectors are not all bad. There are some who will listen to you and help you. (Not all), and PS I hated being a collector because I myself was in debt too, so it did not make sense for me to harrass pple when I was barely taking care of mine... paradox.

You have to document each and every call. Names, dates, time, plus recording the conversation.

You must also sent a certified return receipt letter to the collections agency requesting them to stop and be placed on their do not call list.

I am currently suing a company for collection activities for an account I never had! The Telecommunication Consumer Protection Act and your state's Consumer Protect Act may apply. If the collections company does business in your state, they must be bonded and licensed with the state. Dragged them into court.

i have just started training a week ago, they make it seem like something super strick and hard to do. Plus the people there make u feel like ur never going to make there. I mean i used to work in custermer service and i understand the custermers, i understand that ### happens.Its not that they dont want to pay, its the problems that occur. i understand most people bcus i have lived throw most of those situations myself. Well i heard u make good money here, and that is why i joined for the money bcuz i need to support my family. i hope u guys understand that this is a job dont get pissed off when they call you they simply doing there job. I have more to say but really not worth saying take care people and dont get mad.

I agree that these companies are outrageous. I had a daughter who charged up a lot of money and then did not pay it off. I know what situation she is in. But she had used us as a reference for her bills when applying for credit. Now we are receiving the calls. Doing some research and one collector even told me this. First verify that they own the debt and find out what amount is actually owned if its yours. They have 30 days to respond. Then if you dispute the debt or it’s not yours, Send them a cease and desist letter telling them you want no more contact. Untied Recovery Systems address is 5800 N. Course Dr.
Houston, TX. 77072.
Send this letter by fax and certified by mail. It works. Also they are not listed in the phone book but you can find them online under the yellow pages.

>Bill said:I completely agree, there is a difference, but when we find out that you are telling us that you cannot pay our client $50 monthly but can afford $65 for cable there is a problem. It is not that most people cannot pay their bills, most of them just do not want to. <

That's an assumption. Case and point: I cosigned on a vehicle loan for my son back when my longterm credit score was 750.
He is the only one who uses/pays for the truck, yet that vehicle is on my credit report.
One could ASSUME I had the money to make the payments every month- but, if one ASKED, they would learn that I did NOT have the money to pay for it.
Not everything on a credit report is cut and dried.

P.S. I read some posts here from collectors.

Big companies write off bad debts. Your companies purchase the accounts for literally pennies on the dollar.
You are strictly in this to make money, so spare the sanctimonious speech about people deserving this treatment because they don't pay their bills.
If people paid their bills, you wouldn't have a job.

I called URS to settle my debt for .50 on the dollar.
That would have been the original balance before late fees and interest accrued on the account.
My vehicle was repo'ed and sold.
Ashley whispered that she could get it for much less if I gave her some information. Right there is a lie. No collection agency wants less than they can get.
She wanted to know how much disability I got. She wanted me to write her a post-dated check, (illegal), and she wanted my bank account number.
(I didn't tell her anything and didn't post-date a check)
She said if I gave her the information, she would take the information to the bank, (lie), and see if they would settle or want more.
She said why should they settle for less if they can get more? She said if they found out I could afford more, they would take payments.
She kept saying I had to tell her immediately, that I couldn't hang up and think about it.
She said that they had a client who gave them 24 post dated checks and they cashed one a month.

It was really absurd and I did hang up and called the originial creditor, who defended everything but the asking about my personal income.
I am not sure if I will send payments, (money orders),
and keep copies for myself or wait until they take me to court.
In any case, I won't voluntarily deal with them again. That was enough.

I just got a call from URS and the guy made it sound like he was from the IRS. I don't have bad credit but he was looking for my ex who I hadn't seen in 10 years! I called back and asked for someone to clarify more what this business was all about. I don't like having to dredge up old feelings because of this.

chris

It seems that most of you in debt seem to forget the fact that you borrowed money to purchase products or services. Although some collectors can use unfavorable or unethical tactics, to suggest that that is the norm seems to be a little ignorant. Furthermore, it isn't illegal to solicit post dated checks in most states, and contacting neighbors and relatives to leave messages or to find location information is completely legal and is a common practice among debt collectors. Keep in mind that collectors will also often ask some questions that may seem personal to you in the hopes of finding a way for you to pay back your obligation. This should be expected when you use other money to pay for your wants or needs. Collections is essential in the American economy. My advice is to work with collectors to resolve your debts.

Oh no! Someone called my neighbor looking for me! I've been violated and/or they've been HARASSED (they haven't)!

Oh no! I don't pay my bills and someone called me at work! That's ILLEGAL (it's not)!

Oh no! I thought I could take a bank's money and not have to pay it back and the people that call me aren't super nice to me! That's UNFAIR (nope)!

Pathetic wastes of space, all of you. If someone borrowed thousands of dollars from you and didn't pay it back and didn't return your phone calls or respond to your letters you'd be calling their relatives and neighbors too. And if they responded in any way besides kissing your ### and apologizing you'd be furious.

Here is their contact info. Let 'em have it!

United Recovery Systems
Glenn P. Osuch, President
Douglas B. Schultz, Chief Executive Officer
5800 N Course Dr
Houston, TX [protected]
Phone: [protected]
Fax: [protected]
Web site: www.ursi.com

I only have one to ask. Where is URS located?

If you do not set up payments with the collection agencies your money will be applied to your account but the account can still be sent to their attorneys office. I did the same thing and wound up getting sued. Apparently even though the balance is going down, that does not mean anything in the court of law. It is all B U L L S H I T if you ask me. I think the true deamons are the credit card companies. They are all trained to tell you what you want to hear and over look all the down sides. Don't get me wrong debt collectors can be B I T C H E S sometimes but Bill is right, some of them are ok. As a matter of fact, I had a Capital One card and the guy that called me was pretty helpful. Hooked me up with a 9 month arangement and gove me a lot of good advice. Too bad he didn't have my Amex.

You know what sucks. A few bad apples can ruin the whole bunch. I am a debt collector with URS and my manager refuses to let people get out of line. The refusal to pay line that you all hear so much is ligitimate. At the time that the debt goes into collections the balance in full is due. If your representative can get a payment arangement approved, but you are not willing to do it, what else can it be called? I have people who tell me on a daily basis they are not refusing to pay their bill. They say they cannot pay it and there is a difference. I completely agree, there is a difference, but when we find out that you are telling us that you cannot pay our client $50 monthly but can afford $65 for cable there is a problem. It is not that most people cannot pay their bills, most of them just do not want to.

We are not all here to make people feel worthless. Some of us are just doing a job. As a matter of fact, most of us have been on your side of the phone calls before. If someone calls me demanding something, they probably will not get it. If they call and speak to me in a reasonable tone, chances are I will work with them and everyone comes out on top. If you cuss me out, I just forward the acct to the law office.

I am also receiving calls from this company. He repeatedly tells me that I am refusing to pay, when I have NEVER once said that I refuse to pay my debt. In fact, I am in the process of taking out a loan to pay off some of the credit card debt, mainly to get a lower interest rate. However, this man is demanding some sort of payment NOW. Well, I made a payment now, lol, I paid money DIRECTLY to AMEX. I will not give this man any money and my loan officer gave me that advice.
I haven't heard that they are calling anyone other than myself. If they call the other person that they mentioned that is NOT a signer on my account, they will probably end up with a lawsuit on their hands. If my violent ex husband finds me because of this jerk, there will be HELL to pay!

I've been trying to work out a payment plan but unfortunately have been unsuccessful in coming to an agreement. If it progresses to going to an attorney what happens? Can they attach wages? Go to jail? I'm really worried.