8667432836

Hey, it's hard for him to type with three thumbs!

LOL! I knew there was something wrong with that, after all the needle went across that old vinyl record at a high rate of speed, then the alarm bells went off shortly after!

These low lives use fear tactics and try to scare us so they can obtain money from us by dishonest means.  

I agree with drakshado that “pre-litigation department” is a term often used by scammers to put fear into us and allow them to hide behind whatever made-up rules they want to associate with their made-up terms.  Real collection agencies send letters before they spend money to litigate because their letters show the courts they tried to collect in good faith before going to court.  

Scammers employ various scare tactics to sway us into feeling we have no control over the situation and they have ultimate control.  In your case, they made up the rule that they “can’t send you anything”.  In fact, we are all protected by the Federal Debt Collection Practices Act (FDCPA).  The FDCPA is a body of law that governs how debt collectors must behave.  Collection agencies from inside or outside the USA who do not abide by the law cannot legally collect any money from a US citizen.  

Under the FDCPA you are allowed to challenge the validity of a debt that a collection agency states you owe to them.  Here is a sample letter you can use to validate the collector’s claim and exercise your rights under the FDCPA:  http://www.creditinfocenter.com/forms/sampleletter9.shtml  

You will, however, need to get them to give you their name and mailing address.  If they refuse ... they have given themselves away as the low life villains they truly are.

JimT

Admin Edit:"It's a SUSPECT message!"
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I'm sorry but this place is not a scam I had a dept that I owed and knew I owed they validated everything I asked they sent me an e mail and after I payed off the account  they sent me the forms in the mail so I dont understand what you guys are talking about and I spoke with a guy named christian mathews he was very polite and helpful and I'm sure if you call and talk with him he will help you guys understand alot better I was scared at first too but once he gave me all the info I wanted I felt much better I think you guys should get your stuff together and figure out what your really talking about..

First of all, an E-mail is legal proof of NOTHING. Next comes the fact that written proof of their claim must be sent within 5 business days after first contact. You don't receive it? You pay nothing!
NOT until a written notice of validation is received ( By MAIL) & has been verified should payments ( of ANY kind) be made. They want you to pay first? They're frauds! NO exceptions! EVER!
Shills like you really hate it when people discover how easy it is to learn their rights, don't you?
So everyone, lets all really piss this clown off! Let's all vow to educate another person today on their rights as a consumer (and a human being) under the FDCPA. And ask them to pass it on!
Skeff Ett Liv....SHILL!
Gunnar

Thanks for telling it how it is. I had one of those in another forum tell me they got sued and had to go to court over a debt and was sent an email for debt validation. He told me I do not know nothing about the law. Still every time I had to go to court I was never sued for a debt. Crazy how some people try to get you to believe that this can happen. <slapping my head with my hand>

Admin Edit:"It's a SUSPECT message!"
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your out of your mind by law you only have to have validation of debt it dose not specifically say by mail plus when they put me on my pmnt plan i was able to keep track of how much i was paying and where my money was going they had that accnt I owed on you can not get safer then that I did not get screwed over by them what so ever and my paper work states it was payed off and the loan company i got the money from it shows in their system it was payed off as well every one should just pay their bills and you wouldn't be dealing with this sh*** pay what you owe and they stop calling i have delt with them so I know its legit...

You guys need to understand what your talking about first before talking..if you are not the DP or (debtor) then by federal law they can not send or tell you anything u.. and usually they will talk to you if your the mother or father of the Dp because parents worry about their kids..but you still have to verify info too the address they have given you people is not a false address its a mailing address for if you chose that you want to send a letter for VOD or a money order if given the option to pay it that way. They request credit or debit card for safety for YOUR safety and theirs  so you can see where your  money is going and that its going to that company and their is a paper trail just in case there are any issues and for their protection so they have proof that the founds are there and being made because with a money order alot of people will try to say they sent it and their only BSing .....P.S they are doing their job they have laws to follow just like you at yours just because you think their job is lower lever then yours dose not make you a better person...

Good try, but......EPIC FAILURE!
The FDCPA is very simple to read. Anyone can read & comprehend it. Well, except maybe ignorant Shills!
If they won't provide you with a validation notice ( BY MAIL! NOT e-mail or Fax!) they are frauds. Simple as that!
Believe nothing you're told. Verify everything. If they refuse,or balk, at providing written validation by mail, pay them NOTHING!
It's never the consumers responsibility to prove he doesn't owe a debt! It's a collectors responsibility to prove he does. As spelled out under the FDCPA. If a collector refuses to abide by the FDCPA, he's proven himself to be fraudulent and/or bogus!
Everyone should pay their bills. But NOBODY should get ever be taken by a fraud! When you know the rules, the frauds are easy to expose. And they really, really hate that!
Be Safe. Be Aware.
Gunnar

Well, perhaps if the callers would give their company name and physical address to those they call, so that they're in compliance with the FDCPA....?  It's not against the law to tell the called party the company name and physical address, so long as they do not disclose that it's pertaining to a debt.  It's also not the responsibility of the called party to pass on messages that don't pertain to them.

Federal law states that the debt collector must prove the alleged debtor owes the debt to them.  NO ONE should pay a caller money until they have received documentation via mail that the debt is valid and that the company calling has the right to claim and collect said debt in that person's state.  All per the FDCPA.

Admin Edit:"It's a SUSPECT message!"
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look i delt with them and they gave me the address and name of the company rather then assuming you know what the company is doing wrong if they have called you about a debt and you owe something why noy call them and prove they are doing that like i stated before the young man i spoke with was very professional his name was christian...your all making assumptions provide proof for your self that they are doing wrong.

Per the FDCPA, if you are called and the company refuses to give their name and physical address, they are in violation of the FDCPA's regulations.  That is not an assumption, it's a fact.

Sure you have - probably when they give you your shill paycheck.    Spend some of that paycheck on grammar lessons.  You need it!!!

Hi DC and Peggy (you both made the same exact spelling error btw).  First, I personally don't think your job is below that of anyone else, and I wouldn't want it in a million years.

Collections cast a very wide net --- from those accounts receivable professionals who play by the rules of the FDCPA to those bottom feeders who break the law, abuse the people they call, and can't provide a VOD when asked.

You will find the negative remarks are generally directed to the bottom feeders.  There is also a clear pattern of folks "shilling" in threads where complaints have been posted about abusive practices and FDCPA violations by a consumer.

My guess is if they were good at their job and playing by the rules they would be "smiling and dialing" and getting paid.  They sure as hell wouldn't be shilling on boards instead of collecting commissions

If they're legitimate they'll have no problem following the State & Federal laws regarding the collection of debt. If you have not received a full, complete & legitimate validation notice, by mail, pay them nothing! Legitimate debt collectors are doing their job. Illegitimate debt collectors are FRAUDS!  Simple ain't it?
Never give out ANY card or acct. numbers until the legitimacy of a collector has been firmly established.
As much as legitimate collectors are held in almost universal contempt, there is a lower creature! The fraudulent, or bogus, collector is in a class so much lower it is hard to comprehend. The lowest of the low! On this site we learn how to spot them. And squash their scams. I suspect that rather bothers you, doesn't it?
Oh well..."Skeff Ett Liv!"
Gunnar

These people called some of my relatives and friends to tell them that they were getting ready to serve me with papers and were trying to get to me before they had to serve me to give me a chance to pay the debt i owed.  They are scammers because I asked for documentation and they couldn't give it to me.  Then I asked for a mailing address to send a cashiers check and they wanted only my credit card information.  My attorney told me not to pay anything without paperwork from a legitimate company.  These people embarassed me by sharing these lies with people other than me!!!

So Mr Becker have you been treated for your psychopathic, narcisistic tendancies? LOL. In AZ where I happen to be, your debt is no longer valid. These scum sucking payday loan companies here as in an ever increasing amount of states are no longer allowed to rape the poor and destitude or addicted or whatever drove people to borrow at rape rates. There is no legal course as far as bad checks etc allowed. My step father owned a company such as yours in Alabama. They purchase debt at pennies for a dollar, many that are no longer within statutes of limitations or that have already been written off by the initial creditor, hence no longer legit debt. You are so full of crap it stinks all the way here. You are noting your own name in comment so someone will settle with you and you will get commision. Your tactics are hysterical. YOU DO NOT GIVE ADDRESS TO CONTACT YOU WHEN SOMEONE CALLS THAT IS LEGIT, YOU DO USE ILLEGAL AND FORCEFUL TACTICS, YOU DO NOT SEND OUT LETTERS WHEN REQUESTED AND YOUR COMPANY HAS CHANGED NAMES AND LOCATIONS MANY TIMES DUE TO BEING SUED OR FINED OR CLOSED BY FEDS. Do not pay them!!! They cannot do crap. You can contact your local courts periodically to see if any lawsuit is pending but more than likely never will. If it is, go to court, bring your case that they refused to give information etc. If contacted by them the best recourse is to file complaint with the feds, they will send you documentation. Keep it on file and if for some reason a court actually is involved ( in which these scumbags will never send notice) you can ask for relief both from court and get reverse settlement from them ( well in writing, these skanks will never pay the debt they owe to the people they are ripping off, lol)

Again this is a statement from a specif collector hoping you will call and ask for him so this swine can make some commission off of your already closed and charged off or often past statute debt or alleged debt. Do not buy into this company. If you have been contacted by other companies in the past ( I have had four different in just past three years using same docket number etc and total of 8 in 7 years. I have the paperwork from feds of two of the now defunked companies that document that this company under other names has been closed, fined and the owner was actually incarcerated for fraud)
Dont even talk to them. Keep a list you can file of dates, times and names. If you do contact them do not give them any information, just request address to mail a do not contact form you can get from government online. They will not give you one. These guys are nothing but scum. When they refuse, be sure to fill online form out for complaint to feds, keep a copy, You will also get a complaint form back with the facts and agknowledgement of the illegal nature which you can then use to both sue and have any negative removed from credit. These [***] speak of so called deadbeats when they have not paid fines to victims or to government. What a joke.

If you request information by mail they must send by mail.

So this schill is more than happy to leave random messages on unconfirmed phones with alleged debtors name and that it is debt related but not willing to give a so called third party the name and address to contact them and demand a cease and desist notice to contact? LOL what a crock of crap. Can't have it both ways. If you are calling anyone for any reason and they demand contact information to send a letter then the company must comply. Or as in this case, just another low life bottom feeding scam. Its all a numbers game. If they can get one out of a thousand to pay then they win. DON'T PAY THEM AND FILE COMPLAINTS. THE FEDS WILL FIND THEM FOR YOU AND SHUT THEM DOWN OR FINE THEM DEPENDING ON HOW MANY TIMES THEY ARE FINED AND CITED. They will just move to another state and open under another name but there are limited amounts of states so eventually they will run out of options, maybe. This company has been shut down at least 4 times that I know of and that was four years ago.