469-930-1300

Dyck O'neal

Dyck O'neal - debt collection....  put on do not disturb ;)

Dyck O'neal, huh? No Dyck for me thank you very much.
Haha, debt collector? Rejected that ol' Dyck. Dyck is now blocked.
See ya' later Dyck!

Beencallingat least 6months. Leaves no message. Caller ID is Dyck O Neal Inc.

keeps calling.  leaves no message.  when I called them back, asked for last four of ss number for the account.  when I wouldn't give it, they said we can't talk to you without the last four for the account.  I said I don't have an account with you, they said we can't talk to you.

Trying to collect money on a foreclosure

This Dyck ONeal is basically a mortgage deficiency recovery mill. They buy old mortgages with deficiency judgments against them and then try to go after the original mortgagee (owner) for the deficiency.  That is,  the difference between the amount owed the original financial institution and the fair market value of the property.  They file thousands of these cases and hope that most defendants will simply default out. Most do.  They have been accused of filing cases in the state where the original mortgage was set up, getting a default judgement,  and then trying to sue the original mortgagee who has in most cases moved out of state.  I understand this is a violation of the Fair Debt Collection Practices Act.  They have gotten thousands of default judgments in various cases  and try to collect on them.

Please note that many states do not permit deficiency judgments in the case of certain assets, like single family residences.  The bank or financial institution has to be satisfied with taking back the house or other property.  And that's it.

If you get a call from these people always check with your state to see if deficiency judgments are allowed for the specific asset they are talking about.  And of course, if you are served in a valid legal case, you should answer it to avoid a default judgment against you.

This group:

http://www.dyckoneal.com/
Dyck  O’Neal, Inc.
800.447.2481
or
EMAIL US at info@dyckoneal.com
_____________________________
THIS BUSINESS IS NOT BBB ACCREDITED.
Dyck O'Neal Inc
Additional Locations
Phone: (972) 661-3744
6060 N Central Expy
Ste 200,
Dallas, TX 75206

DYCK-O’NEAL, INC
Posted in:  https://800notes.com/Phone.aspx/1-469-930-1300
https://800notes.com/Phone.aspx/1-972-661-3744

Web site gives no physical address but lists their licenses:  http://www.dyckoneal.com/b2c/final/licensinginfo.html
BBB gives them an accredited A+ with 26 complaints:  http://www.bbb.org/dallas/business-reviews/re ... dallas-tx-50203

Massachusetts order:  http://www.mass.gov/ocabr/banking-and-finance ... sent-order.html
http://southfloridalawblog.com/dyck-oneal-inc ... gment-lawsuits/
Other complaints:
http://www.avvo.com/legal-answers/i-have-laws ... or-1778223.html
http://www.huffingtonpost.com/2014/10/14/debt ... _n_5981622.html
http://www.loansafe.org/forum/threads/dyck-oneal-settlement.88249/
http://www.fatwallet.com/forums/finance/1419866/
http://www.carltonfields.com/files/Uploads/Do ... -dyck-oneal.pdf

Looks like they have been sued:
http://www.mcglinchey.com/files/uploads/Real_ ... cia-v-ONeal.pdf
http://law.justia.com/cases/federal/district- ... 0249/309598/36/
Looks like they use illegal practices as well:
https://www.facebook.com/events/718147118246585/
http://www.nytimes.com/2014/11/16/business/bo ... d-yet.html?_r=0
http://www.huffingtonpost.com/2014/10/14/debt ... _n_5981622.html

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php