888-383-9349

Law firm that handles my Chase credit card. Chase verified they are they are the correct agency to deal with

Susan sounds like she works there, this call seemed pretty iffy to me.

i don't believe you.

I got a call from Jen Martin at Wilhelm Wolfe and associates, saying there has been a "complaint" filed against me with their firm? Yes, if they have my cell number, surely they have my address. They can go ahead and send me something.

All cut and dried, right Susan? I'm waiting for the part where you got your required dunning letter, then seized your opportunity to make the "law firm" validate the debt on paper with Chase, and confirmed that WW is in fact legally able and willing to sue on a creditor's behalf. That's how the CFPB and FTC want things done so that no one simply bends over and allows some fraud to clean out her pockets. I'm certain that's what you'd meant to say in your curt yet blithe tone if you had more time on your smoke break at Newport Beach, right Chad?

Didn't you just get through paying Wolfe for another Chase card and a BoA account two months ago as "Ivonne" and "Suzie"? Weren't you lost in reverie a month later as "Madison" over the dreamy experience you had paying Wolfe? How many delinquent accounts were you towing around, and how many names did you give the banks? Isn't that credit fraud, girl? My god, that's worse than murder ....

https://800notes.com/Phone.aspx/1-844-824-0856#p1135759511754061410
https://800notes.com/Phone.aspx/1-844-824-0856#p1137567761759689513
https://800notes.com/Phone.aspx/1-844-824-0856#p1149926179166495281

Actually Resident47.. i have no need to pretend to be someone else.
I guess we live in a world where people may share the same opinion as I.

Jon, I honestly thought the same exact thing. Only after husband verified it with Chase. The debt was sold 4 TIMES BEFORE it went to Wilhelm Wolfe. I called each copmpany before they finally gave me Wilhelm Wolfe's name.

And what Resident47 is saying is completely false. Once Chase sells the account, the debt buyer doesn't need permission from Chase to sue the person who owes the debt. I DID MY RESEARCH!

http://www.creditcards.com/credit-card-news/sold-debt-collect-sue-1582.php

Well, then, you must have an address for this  Wilhelm Wolfe group. You say it's a law firm.  If true, why can't I find them?   How about giving it to us?   There are a lot of people who'd like to come by their  office and have a little sit-down discussion with them.  Their methods and so forth.

As usual, reading comprehension is not the shill's strong point.  (Purposely) misreading Resident47's post, and trying to twist it into something he did NOT say.  Let's see what you do with CWG40's post.

Whereas the rest of us live in a world where consumer protection laws are not mere suggestions. If Wilhelm wants to give me a call like the ones commonly reported, I'll be happy to conduct one of my compliance seminars in my Federal court for about the cost of that nice home theater projector I've been wanting.

Fine, let's do this the hard way.

"Susan" opened this thread almost a month ago with two curt statements. The first, not a valid English sentence, declared "Law firm that handles my Chase credit card". The second was a claim that "Chase verified they are they are [sic] the correct agency to deal with", lacking a period at the end and repeating the words "they are" like a skipping audio disc.

Seeing no other details, the reasonable observer may infer that (A) the character "Susan" was sued by JPMorgan Chase & Co. and/or Chase Bank USA, N.A., and (B) that Wilhelm Wolfe was hired to represent Chase. To borrow an ancient concept in contract law, any ambiguity in that skinny first post should be resolved in favor of the reader, who cannot evaluate statements which were never made. While I am pleased that Susan "DID HER RESEARCH" in shouty caps, her corrections are overdue, and the reasonable person would have issued them in polite apology rather than defensive anger.

Readers may also speculate that Wilhelm Wolfe was so inarticulate or confusing in its communication of the matter that "Susan" needed to question Chase and also strafe the Internet for answers. Else, "Susan" is completely secure in her grasp of the matter and merely in the peculiar habit of running to phone call complaint websites to reassure the populace of everyone's motives whenever she is ready to settle up old and unverified bills.

Susan's new claim is that the Chase account has passed through multiple junk debt buyers, each of which she questioned along with Chase before she obtained the name of her current debt collector. Well, I would hate to live where Susan does, because apparently her jurisdiction allows debt collection attorneys a free pass to make contact with and maybe to sue alleged debtors anonymously. This of course contravenes court rules in every other district and the Federal rules which provide their model, not to mention the FDCPA and likely some local trade practice laws.

Had Susan applied herself for more than six minutes when she "DID HER RESEARCH", it would have become obvious that the Federal Trade Commission and Consumer Financial Protection Bureau do not expect alleged debtors to scramble to investigate all previous debt buyers and creditors simply to obtain what a debt collector itself is obligated to provide directly, such as a business name and basic details of a debt claim. Even the little Q&A she hyperlinked acknowledges that it's the debt collector's job to do the homework on demand. Just maybe at that point the reasonable person would begin to understand that the "law firm" in fact mis-handles that "Chase credit card".

But not Susan, who alleges that Chase confirmed a current debt buyer's assignment to counsel from behind three layers of separation. Presumably when Susan "DID HER RESEARCH", she missed how debt buying works and why it exists. Chase dumped her account along with perhaps thousands more like radioactive fuel rods because they were "nonperforming assets". Chase doesn't want her money, Chase doesn't want to see her name again, Chase wants that headache to go away. What happens to that jettisoned debt portfolio is beyond both the control and the interest of an original creditor, which usually makes its buyer agree to an "as-is" sale and never to come back with questions.

Also news to Susan, the resold portfolios are "junk" because they carry rarely more than threadbare documentation. The "full media" needed to properly validate debts and defend their collection in court are not on the CDs and the lender isn't talking. These data are prone to corruption and loss as accounts are carved up and repackaged for subsequent buyers. In court, JDB collectors are not above tainting and fabricating supporting docs, essentially perjury, to win their cases hurriedly. "Susan" and her girlfriends in the Wilhelm threads are nonetheless satisfied with their assumption of an unbroken "chain of title".

In lieu of "media", the junk debt collector turns to lies and bullying to make a payday, which brings us back around to my not very "completely false" assertions regarding Wilhelm's obligations to consumers. These do not change just because the debts are sold rather than assigned. Susan's "verified" lawyers must still make §1692g disclosures, must validate on timely request, and must litigate if such a collection method is threatened. Thugs who use "debt" as a cover for an extortion racket do none of the above correctly if at all.

"Susan" wants us to believe several things which do not pass close inspection:

(A)  IMPRESSION: Alleged consumer debtors must learn to accept a lack of reliable information before deciding to pay aged junk debt. FACT: Federal law demands the opposite, in part because the junk debt category is overrun with crooks who cannot prove any claims and routinely break laws to get paid faster.

(B)  IMPRESSION: Wilhelm Wolfe is a genuine and potentially dangerous collection law firm and debt buyer. FACT: It is not listed by Avvo, Justia, or Martindale, does not appear in junk debt buyer registries, and the only search results for a debt collector or law firm using the name all point right back to a few 800Notes threads.

(C)  IMPRESSION: Wilhelm Wolfe is a compassionate and friendly collection law firm incapable of causing harm. FACT: The overwhelming majority of comments, not sharing a pattern of common authorship, describe a desperate bunch of secretive liars who make illegal threats, chase paid and time-barred accounts, excessively call known dead ends and non-delinquents, and rudely ignore every section of the FDCPA.

(D)  IMPRESSION: "Ivonne", "Madison", and "Susan" are all unrelated persons on separate agendas. FACT: The soundalike trio appeared on the same day to rebut critics of Wilhelm Wolfe, flail about in defense of their own misleading claptrap, and generally avoid the critical issues which damage a fraudulent business the most.

https://800notes.com/Phone.aspx/1-844-824-0856#p1170271065329152873
https://800notes.com/Phone.aspx/1-844-824-0856#p1170277684410704604

Please do us all a favor and drop the cognitive dissonance act. The scare stories and sunny testimonials do not play here the way you want. One fine day you lot will cheese off the wrong person, who won't have to "do her/his research" to take proper measure of your tactics. Before you can bleat "chain of title" again you will be on your proverbial knees in front of a real judge to explain your sham lawyer abuse of people you've never met.

Received call from above number and returned it.It was answered and when I asked who I was returning the call to they said the above name.They were polite but not looking for me but a relitive. If curious  just call the above number.

Just call if I'm curious? I only wish I had so little to get done each day that I could blindly return calls from very distant and secretive companies. Lucky for me it's not 1992 anymore and I can whistle up a web page like this one to give me fourteen reasons to avoid calling back.

Anyway, what's in it for me? Is Wolfie going to slide me a finder's fee? Since when am I the records custodian for my entire extended family? Is your relative, with one 'i', really so hard to find? I wager not very. Dollars to donuts the Wolfe autodialer shook every branch of the tree except the alleged debtor's, whose current contact data was in their hands from the start. Heck, based on prior stories you won't need to call back. Wolfe will give you many chances to talk by calling every day and week, no matter what you say to stress that hounding you will never bring the hunted person to your phone.

I'm sure this is nothing you need explained if the name of your relative is Chad Armstrong, Rob Brooks, Mark Hickman, Pam Jenkins, Jen Martin, Christian, Ivonne, Madison, Susan, or Suzie.

I find it funny that a woman named Susan is on here defending the company and yet today I was called by the company by a woman named susan. In my case, I know what's on my credit report. I know that I have only 1 debt that remains in the statute of limitations where firms can collect having paid some off recently and having others removed. I know that even if you have an old debt, once it's past the SOL (either 4 or 7 years for me depending on the debt type, other stages are different) I am not legally obligated to pay no matte what.

Now a small point of clarification, granted I may have read or misinterpreted a previous post tho... A company such as this can call and collect on debts. Many companies don't actually sell the debt but they have the company collect on their behalf. If it's still within the SOL they can collect.

Bottom line folks, read up on the laws, know your rights. Know your credit report. Then you can just laugh at the messages or phone calls that you get from companies like this and at schill posters on this and other websites

Sanding the edges of your small point, which is often not so small in a debt dispute ..... Simple and honest debt collection of a plausible debt is not the problem, not when the account has yet to be discharged or extinguished. Collecting "out of stat" is legal and not the problem, either, until there is talk of getting lawyers and judges to help.

Wolfe and its kind make trouble because they really don't care what's within SoL or if an account can ever be proven valid. They don't need "papers" or a "reasonable basis" when they have fright on their side. The threats of court, process service, and wage garnishment are illegal because they are empty, and in many cases impossible or illegal to fulfill. The FDCPA 1692e(5) bars threats "to take any action that cannot legally be taken or that is not intended to be taken". Wolfe both cannot legally and will not sue on time-barred debts. Probably it would be shorter to list the parts of section 1692e they don't violate.

But, but, they are FDCPA compliant!  It even says so right there on their website:  http://www.wilhelmwolfandassociates.com/index.html

Uh huh. Riiight... And the sun sets in the north & the Pope is actually a wealthy Nigerian Prince in disguise who donates his paychecks to the KKK!
 Alska,
  Gunnar

Get a load of the single complaint so far at the BBB.  Doesn't sound very FDCPA compliant to me:  https://www.bbb.org/sdoc/business-reviews/col ... tion=complaints

Wilhelm Wolfe and Associates
Number threads associated with these crooks:  https://800notes.com/Phone.aspx/1-888-383-9349#p1280328374703984602
https://800notes.com/Phone.aspx/1-844-771-1045/3

Website claims to be in California, be FDCPA compliant, and to be “debt litigators”:  http://www.wilhelmwolfandassociates.com/index.html
5000 Birch St Suite 3000
Newport Beach, California 92660
BBB gives them no rating with 1 complaint and indicates that the company started in May of 2017:  https://www.bbb.org/sdoc/business-reviews/col ... ch-ca-172018343
There is no state registration for a company with that name in anywhere, which means that they cannot legally conduct business, nor can they legally sue anyone.
The above address is a Regus virtual office and has 110 companies listed as using that office.
Other complaints:
https://whocallsme.com/Phone-Number.aspx/8883839349

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

As well as the California AG’s Office:   http://oag.ca.gov/