3032187550

ROFL.. riiiiiiiiiight!  Someones been in the bottle a bit too much and has delusions of grandeur followed by way too much fruit cake.

...fruit cake WITH about a gallon of rum!!

And I suppose you expect us to wire the money.

Wow Gunnar...just wow-you sound like me when I start having to field political calls at the house every couple of years-luckily I have yet to break the phone receiver slamming it back down on the hook!

"Harassment is without intent"

Like hell it is----and it is against the law:

§ 806.  Harassment or abuse  [15 USC 1692d]
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.

(4) The advertisement for sale of any debt to coerce payment of the debt.

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm#806

typical REPUBLICANS... the party of adolph hitler.  not in any way associated with the paty of ABRAHAM LINCOLN.   Lincoln must be rolling in his grave because of the new class of slaves that the republicans oppress by obscenely low minimum wages and harsh judgment of job performance.  Republicans are all fat lazy [***] anyway... they love to control... but the Bible and compassion is not in them and far from them.  Vote Democrat... just like me.

Think we've only gotten 3-4 calls from this scum -- so far. They are most likely looking to collect old credit card debt of my mother's. Mom is 85, has dementia and every other old person disease known to man. She's very close to death and has no income or assets other than her social security check. That, they can't touch. We just let 'em talk to the answering machine if they so desire. Most of the time they don't. They're going to put a judgement on her? Ruin her credit? Oh dear. What does a penniless old woman on her death bed need with good credit?? They can't get blood out of a turnip. Her debt will die with her.

Rev Do good, you're an idiot.  Please stay in your mother's basement watching MSNBC,  and leave real working people alone.

They are a scummy 3rd party collection agency who buys old paper written off and tries to make good on it.

I just kept calling them and screaming my [***] head off at them until they stopped. I had just quit smoking so i was angry as [***]! they will stop. Worse thing thing is they had the wrong phone number. Works both ways!

Educate yourself, just because a debt is purchased it doesn't mean you owe the 3rd party! It's all about contracts period. Per FDCA UCS 1692 the 3rd MUST validate by proving your contract with them!
To be legally binding, a contract needs two essential components: 1) an agreement, and 2) consideration. Within the agreement and consideration lies an assortment of provisions that add to the legality of a contract. These include the offer, performance, terms, conditions, obligations, payment terms, liability, and default or breach of the contract.

The agreement component involves offers, counter-offers, and eventually what contract law calls the "meeting of the minds." with the debt collector! Otherwise they have NO VALID claim. They are NOT the original Creditor and therefor are trespassing on your negotiations with the original Creditor.

The most important part of    § 809.  Validation of debts   [15 USC 1692g] is always respond and ask for VALIDATION! What is it they need to send you? THIS: To be legally binding, a contract needs two essential components: 1) an agreement, and 2) consideration. Within the agreement and consideration lies an assortment of provisions that add to the legality of a contract. These include the offer, performance, terms, conditions, obligations, payment terms, liability, and default or breach of the contract.
The agreement component involves offers, counter-offers, and eventually what contract law calls the "meeting of the minds." A contract signed by YOU and the 3rd party making it legal and binding.  verified copies of the original, valid, (2 Party) contract signed by both you and an agent of the ;original creditor; outlining mutual consideration  a verified, full accounting of the alleged debt  proof of debt loss sustained by the original Creditor verified copy of any instrument(s) used to provide the credit creating the alleged debt  .  Copies of invoices, statements, bills, summaries, agreements, and such do not constitute validation of the alleged debt and sending such to me without also providing me with validation of the alleged debt as requested on xx/xx/xxxx is non responsive and shall not be considered.

They ID themselves, then whoever you are talking to will hasten to add that they are non-lawyers.  That way the lawyer-principals in this firm can escape sanctions from the local bar authorities.  But they can't escape the FTC.  Report them if they are harassing you.

http://www.lowery-law.com/

Scott Lowery Law Office, P.C.
5680 Greenwood Plaza Blvd.
Suite 500
Greenwood Village, CO 80111

855-770-1222

_____________________________

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P. Scott Lowery, P.C.
(303) 218-7550
View Additional Phone Numbers
5680 Greenwood Plaza Blvd Ste 500, Greenwood Village, CO 80111-2415
css@lowerylawgroup.com
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I expect you are attaching your comments to mine and not trying to teach me what the FDCPA says. The standard of debt validation needed is really quite low, despite suggestions like yours and frantic all-inclusive demands found in extremely flawed template letters to collection agencies. They don't need a "contract" signed or otherwise to validate. The popular category of credit card accounts won't have a contract with signatories in the first place.

Let us also not swoon before that old "you don't have an agreement with collectors" fallacy. The third party collector does not need any new contractual agreement executed with a consumer to do its job. It relies on the contract clause from the original creditor which says that its terms can be enforced by a subsequent debt buyer and a creditor can send any hired guns it likes to collect.

Proper validation identifies a creditor, an amount, and just enough to make a debt claim plausible. Some creditors send a half-inch stack of paper, others a couple sheets, depending on their plans for you and their assessment of how much trouble you'll create. If you want to go to the mat for more parts and accessories, you'll have to wait until discovery in a court case.

All said, what trashy junk debt chasers send for validation, if they bother to reply at all, is frequently defective or a total joke, and often not obtained from an original creditor as the FTC has benchmarked. OC's usually do a better job of validating, but even so, the consumer does not have to agree with all parts of the document dump and should still comb it for holes.

I just received a letter today from P.Scott Lowery claiming I owed money to Bank of America. The first thing I did was call B of A to confirm I didn't owe any money and they confirmed that I paid my debt a year before.
Its a Total Scam!!!