8005303790

I do not normally ever write anything about these debt collectors due to the fact that this is them just doing their job, but this company is a piece of [***] or maybe it is just their people they have working for them. I know I have some bills outstanding that I was trying to take care of before I had some small set backs but there is no need to talk to people they way they do! I understand doing their job but treat the people you are calling with some respect. I hope that I have made enough trouble for this B**** that just called me so rudely and tried getting into every aspect of my life down to wanting to know why I could not get the money from who ever was paying my cell phone bill! That is preposterous. I hope she losses her job and everything else she has due to it! Thank you ! Rant over!

This naturally won't help LA four years later, but there is a lesson for the rest of us today. Nothing in the FDCPA says that a debt collection agency (DCA) has to change its approach merely because you turn out your pockets and say that you're broke. Crying poverty is not a defense if you get sued, either. If anything, the case ends rather quickly against your favor because you've pretty much admitted the debt was yours.

The DCA does need to obey instructions as to when, where, and how you are to be contacted. It does need to provide validation if your written demand is timely. If you are contacted in a manner known to be inconvenient or while a validation demand is outstanding, that is illegal and may be seen as harassment.

I know if you're inexperienced there is a natural reflex to redeem yourself in the view of an accuser, and tell stories which excuse your non-paying behavior. Collectors don't want your story, they want your money. Your excuses do not trigger legal requirements; stating your rules for fair treatment will.

You should be a proxy covered by FDCPA § 1692c(d), therefore collection agents may speak to you without fear of a lawsuit. Anecdotal evidence suggests that collection agents get this wrong frequently and are trained to hand you vague "privacy law" excuses.

As you'd guessed, Ross should have sent your mom a dunning letter weeks ago, which again you may respond to with a dispute on her behalf, and at that time you can attach a PoA copy. There should be no need for you send it separately simply to smooth things for a lazy or badly trained agent.

FDCPA § 1692c. Communication in connection with debt collection

Well, sleep will come easy tonight, knowing that one snowbird with an old gas bill has deemed Ross "Not a Scam". Too bad that story is an outlier among numerous occasions of rude, unfair, threatening, and illegal behavior exhibited in the effort to collect on junk accounts which may backdate to the Bill Clinton administration and/or were never delinquent. Now you join the other twenty cheerleaders in this thread who sound increasingly desperate to convince us that we should all be "grateful" for the confusion and abuse.

Given that Ross and your former fuel supplier are not the same, I'd love to know how you convinced yourself that a debt assigned to Ross is not the same as "going to collections". Also dubious is the implication that USPS carriers had a selective brain fart for only one of your correspondents.

You did not give the name of your former fuel supplier.
Because if you did, we could find out if that fuel supplier does sell old debts to this particular debt collector.

"Just doing their job" has never been an excuse for rudeness or prying into your financial and social life. We have laws which plainly tell debt collectors how to behave for very good reasons, one of them being an ingrained belief across the industry that acting like thugs gets them paid faster. I suppose that's true when they find people too beaten down to defend their own dignity. But fear is a blunt instrument, incompatible with any desire on either end of the phone line to get details right and avoid harm.

LJ Ross Assoc. They called, said I owed U of M ... I did... I paid them and they sent paid in full letter after 12 month payment plan. Supervisor Harry is very nice.

Yeah, and I was visited by the Tooth Fairy last night.  Well at least my story ius much, much, much more believable than your fairy tale.  We all know that this DC is a criminal enterprise.  You must be one of the felons they hired to steal money from people,

What a waste of tuition funds. You've flunked Economics and English, notably the lesson on the "unreliable informant".

I am getting these phone calls from them asking me all the personal information so i hanged up

You owed U of M?  University of Morons?
How did you forget you owed? Didn't you get all those lovely bills in the mail to remind you?

This message is for those that may have a medical debt that is hanging over your head and the hounding collection agencies are threatening and you have no way to pay.  There is an organization that may be able to help. I think it is 911medicaldebt.org.  something like that. They buy the debt from the collection agency that has bought your debt from the hospitals, drs. And med. Facilities.

Debt collector

..a debt scammer!

Um I'm a teenager and i dont have any [***] bills because I'm not even 18 yet so u are sporting bull these people who are calling are obisley scam artists

I received the same call and they stated the same thing all these post say, i also have any medical bills, credit card debt, or outstanding bulls ,., but the number was different, it was 844- 348-1743 ,
And they refuse to tell me any info on them besides , L J Ross comp, i also did not give a address or last 4 dig of social, and they said, if i don't they wouldn't tell me anything else about them or y they were call in. I told them to stop harassing me and loose my cell number, they said fine,  so it has to be a scam, if they arent going to call me again and so far they haven't, so Its a be call
!!!!!

Debt collectors attract lawsuits when caught discussing debt with the wrong people. It's typical for collection call recipients to be pressed to self-authenticate. What your agent did was perhaps the sole sign of legal compliance you'll get from a junk debt collector. You don't owe collectors answers you'd prefer not to give. They, however, owe you a dunning letter early in the process to establish the claim and make required disclosures about your FDCPA rights.

Fair Debt Collection Practices Act - FTC
CFPB Q&A on the FDCPA

I see nothing named like the alleged "911" organization. You might have mis-recalled nonprofit RIP Medical Debt or Rolling Jubilee and its Occupier hippie associates, all of which factored into John Oliver's debt forgiveness party on "Last Week Tonight" in June 2016.

There are problems you share with those seemingly charitable efforts to buy out debt from under the collection trade. First, you're helping to unjustly enrich a thoroughly corrupt industry, filled with con artists and thieves who use aging "financial obligations" as a veil for varying forms of extortion. Second, simply "settling" old debt without closing all the "gotcha" holes drives down FICO scores and generates tax liability courtesy of the IRS 1099C form. Third, no one in these "forgiveness" movements seems to ask if the given accounts are worth the paper which may not exist for them.

Nobody should be biting knuckles over how to pay anything which is discharged, invalid, uncollectable, or past its "sue-by date". Paying nothing is always cheaper than cutting fast deals with hustlers like Ross or getting stung by a fat tax bill, the latter two options being generally calculated on the purported full face value of a debt which may in fact have no intrinsic or proven real value. No one under any circumstances should contemplate paying a "hounding and threatening" agency, unless of course one's desire is to reward deception and abuse.

I got call from this number asking me if I live in address!!! I told her no who is this she said I’ll cal back !!!!
Duuuugghhhhhhhjhh

This is a medical bill collector, LJ Ross.