8886224773

Like I said to a previous poster, if you're happy with your decisions that's all that matters. However, if I were you, I would request papers validating the debt. Considering you never received their previous statements, this is a reasonable request. Of course, it doesn't mean you'll receive them. We've requested information at least twice and still haven't received anything.

But you see, even though they didn't directly tell you they were taking you to court, a person working for this company contacted you and said papers were going to be served. If that was the case, you would be able to search your local sheriff's department and find your name with a suit filed against you. Especially since they they said you would be receiving the papers right now. That would imply the documents had already been prepared. And just so you know, they are not allowed to publish anything in your local newspaper regarding your debt. That would be the same thing as sharing information with a third party, except worse.

I'm not telling you not to pay your debt, just to make sure everything is legit. Don't be bullied into paying something you cant afford just because they make threats of serving papers, because that's exactly all it is, threats.

Wow, another cute story and again, I don't believe it. What an gem of a debt collector - he holds your hand, counsels and jokes around with you while *screwing* you over on the paperwork. SEND THE PAPERWORK! The reason they won't send paperwork is THEY DON'T HAVE IT and if they make up fake paperwork and send it through the US mail, they'll be in serious trouble with the USPS. *DEMAND* the paperwork required within 5 days of initial contact as required by the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf stating
1. amount and the name of the current creditor (which may differ from the original creditor who might have sold your debt),
2. that debt will be assumed to be valid unless you dispute in writing within 30 days,
3. that if you do dispute in writing, the collector must mail you written verification of the debt,
4. that if you ask the collector in writing, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the paperwork (you do not have to ask for it, the FDCPA requires the collector to send it), treat the collector like you would any SCAMMER.
DO *NOT* ADMIT YOU OWE THE DEBT VERBALLY OR IN WRITING FOR THIS WILL RESTART THE STATUTE OF LIMITATION CLOCK ON EXPIRED DEBT --- THIS IS *EXACTLY* WHY THE SCAMMER SHILL SCRIPTED THE DEBTOR AS ADMITTING TO THE DEBT IN THE ABOVE FAKE TRANSCRIPT.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.
ADMIT NOTHING. DEMAND PAPERWORK THROUGH THE US MAIL. THEY*WON'T* SEND IT. THEY *CAN'T*.

Another fake scammer shill sob story. "Just pay the debt you owe. stop crying and complaing and making up every excuse to not pay this debt back." is a  STRAWMAN or FALSE ASSERTION. Nobody is telling debtors to run away from debt (though some inevitably will) but debt collectors are required by law to conduct business in a legal way which means SEND THE PAPERWORK! BUT A&N CAN'T BECAUSE THEY *DON'T* HAVE IT AND THEY *FEAR* THE WRATH OF THE POSTAL SERVICE INSPECTORS IF THEY SEND FAKE PAPERWORK THROUGH THE US MAIL.
A&N IS BREAKING THE FDCPA DEBT COLLECTION RULES AND SHOULD BE TREATED LIKE A *SCAMMER* UNTIL THEY OBEY THE FDCPA.

Okay first of all, this isn't a blog. Secondly, I'll do what I want, when I want. And I'm not pointing fingers at anyone. I don't have a problem paying for debt I legitimately owe, however, I don't know that this debt is in fact legitimate without the proper paperwork. Everyone that has came on here defending this company has not once said anything about them failing to send the proper paperwork.

And my husband's debt has nothing to do with my brother or his wife, especially considering they live 4 states away. They wouldn't be able to verify any information about my husband, so why would they call them? And why would they threaten to serve my brother papers? That makes no sense, and it's quite ridiculous.

And HOW can you possibly tell me not to get upset with this company? The fact that they paid for a debt should not effect the way myself or my husband is talked to or pursued. Threatening us or making rude statements doesn't help anything. So no, I will not accept the behavior portrayed by this company. It is unacceptable for a company to conduct business in this matter.

Furthermore, I am NOT making up excuses not to pay my debt. I am simply asking for validation of the daggone debt. WHY is that so HARD for you people to understand. Grrr.. I've accepted the fact that everyone who posts things like this probably in some way work for this company, or one similar to it. Fine. I understand you people want your money. I would too. But I would not expect someone to pay me money and not give them a reason why, other than "Hey you owed this company X amount of dollars back in 2002, we bought the debt, now we want our money." So, I'm supposed to just take their word for it that it's legit? Especially considering we were contacted only a few months before regarding the same account, by a totally different company I mind you, who said the same exact things this company has. So I'm supposed to believe this company bought this debt from the original creditor? How is that possible?

You or anyone else can keep telling me to pay my debt I owe as many times you want. But it doesn't change the fact that I will not pay a company that has failed to validate the debt. This is not an excuse, this is me and my husband protecting ourselves from being ripped off. If we received the paperwork, we would be willing to work something out, if in fact the debt was ours. So why do you and all the others who continue to assume everyone that is "complaining" as you say, are finding excuses not to pay? When that is clearly not the case. Nobody is coming on here and outwardly saying they refuse to pay their debts. It's just being assumed they're being irresponsible.

Exactly!! Thank you! For some reason, nobody seems to get it. My husband has dealt with civil court before due to a medical bill that we just couldn't afford to pay, in turn caused papers to be filed against him and we got a CERTIFIED letter stating if we didn't respond further legal action would be taken. We then got the summons, also CERTIFIED, and received a court date. We didn't dispute it because we knew we owed it, considering it was only a few months before. Ultimately his wages were garnished and the debt was satisfied. I do however, doubt the fact that these posters are claiming it was removed from their credit report. Just because you pay a debt off doesn't remove it from your credit. It just gets updated that it was satisfied. The only way it can be removed is by hiring a lawyer, or of course it expires. So if it was removed, that doesn't mean it automatically disappears. But then again, I don't believe any of the things these posters say, including the ones who claim this company helped them so much and saved them so much money. And the fact that they told us they only accepted payments electronically was extremely suspicious to us. This Friday (the 18th) will make exactly 30 days from the first call we received from them (February 16th). They call continuously at all hours, 7 days a week. I answered the phone at one point on accident because I was expecting a call and didn't pay attention to the caller id, and it was them. They asked for my husband, but he was at work so I asked what the call was in reference to or if I could take a message and told them I was his spouse. All the guy said was "This is Bob (I changed the name), and I need your husband to call me back." He never identified what company he was with (I later found out after hanging up when I checked the caller id) and refused to discuss any details with me. Which when I found out who it was calling, thought was funny considering the first day we made contact they gave me all the details.

Anyways, thank you for not seeing me and the others as dead-beats or low lifes, or whatever other name we've been called.

PEOPLE....after reading most of the messages on here i can say that the shill posts are from the debt collectors who work for A&N..the transcript above is a phony to me..g lewis is a idiot he is a low life sleazy debt collector and the only reason why he is on here because he isn't making his commission,,it sucks when you only make 7.00 to 10.00 an hour with no commission so now these idiots are desperate and they will lie to you and use scare tactics to make you pay them.
DEMAND FULL VALIDATION...
1..WHEN YOU OPENED AND CLOSED THE ACCOUNT..
2..ALL CHARGES AND PAYMENTS MADE...
3..HOW THE INTEREST IS ACCRUED,SO YOU CAN DO THE MATH,THESE SLEAZY COMPANIES ALWAYS MAKE MISTAKES BUT THE BEST PART  THAT THE MISTAKES ARE ALWAYS IN THERE FAVOR..
4..YOU WANT TO SEE YOUR SIGNATURE ON THE CONTRACT..
5..THE LAW IS ON OUR SIDE
6..REMEMBER IF THEY DONT VALIDATE,THEN THE DEBT IS INVALID..

You people have no idea what the FDCPA's purpose is.You're all ignorant. let me educate you all. The FDCPA's requirement of Validation of Debt sole purpose is to prevent John Doe Debt Collector from calling the WRONG individual.Let's say for instance there are 4 Jackie Johnsons in Columbus, Ohio. One of these Jackie Johnsons owes John Doe Debt Collector's agency money... The ONLY thing that John Doe is prohibited from doing is calling the other 3 Jackie Johnsons. But only IF those three Jackie Johnsons submit in writing, within 30 days, to John Doe a request for validation of debt, does John Doe need to stop calling them.

There is no hard fast rule about what "Validation of Debt" means. According to the FDCPA the Telephone #, address and name of the original Creditor is sufficient to satisfy Validation of Debt.

Now, if John Doe Debt Collecter ascertains that the 4th Jackie Johnson is indeed the one who owes the money, then he has the right to call Jackie Johnson every day, three times a day, between the hours of 8am and 9pm except on Sunday...

The term Debt collector as described in the FDCPA is anyone who is collecting a debt for someone else. If the owner of the debt is calling you for the repayment of this debt...the FDCPA doesn't apply.

Anonymous, why don't you take time to read the FDCPA before you bring your dribble to the forums? If you had, you wouldn't be making an ass of yourself.

Annoyed, you did say you're not going to pay your debt after you admitted owing it. You're looking for justification as to why you're not going to pay them... you don't think what they did was right. Well, maybe. But you borrowing money and not repaying it isn't right either.

G Lewis, Robert Smith, unknown and the other "shills" when you argue with idiots on the internet, you're an idiot.

These company's do NOT need to provide you with anything bearing your signature to validate the debt.

The only validation they need to send to you, per the LAW that is on your side, is the name and address of the original creditor.

Two messages in a row today must be a shill. Yeah, they call the wrong people all the time and call people for a debt they already paid. They say you owe xxx amount on a xxx card you never had. Yeah they are all legit and honest.

MORE TWISTED LIES BY ANOTHER SCAMMER SHILL TO CONFUSE AND OBFUSCATE.
On debt validation: This shill wants you to believe the "sole purpose" for debt validation is for positive ID. This is complete nonsense. If all 4 Johnsons ask for V., will the collector stop calling all 4 of them? Of course not! If the debtor-Johnson and 2 wrong-Johnsons ask for V., and the remaining wrong-Johnson does not, does it mean the collector will now go after the one who didn't (and who is *NOT* the debtor)? Of course not, the collector would be only exposing himself to a lawsuit. See how V. of debt *CANNOT* be used for positive debtor ID? The concept is idiotic. Now I've been mistakenly called by a legit debt collector several times and he finally left a voice mail with his phone number. I called back. He asked me if I was X and if my address was Y. I answered no to both and told him I only got this number a few months ago (then) when I bought this property. He told me he'd remove my name from his database. No more calls. See how debtor identification ought to work?
"According to the FDCPA the Telephone #, address and name of the original Creditor is sufficient to satisfy Validation of Debt" is nonsense, see my reply to this shill above.
"he has the right to call Jackie Johnson every day, three times a day, between the hours of 8am and 9pm except on Sunday..." isn't quite right. The allowed number of calls/day isn't enshrined in the FDCPA though this may be spelled out in certain state laws. Section 806, Harassment Or Abuse, of the FDCPA states "the following conduct is a violation of this section: ... (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." Now why would any collector need to even call debtors daily? The debtor knows he owes the debt, calling daily is certainly harassment. I can see calling every week but every day? Calling every day is simply debt collection by harassment and banned by the FDCPA.
"If the owner of the debt is calling you for the repayment of this debt...the FDCPA doesn't apply" is absolutely true. However this debt collector does not claim they really own the debt and all shill posts have referred to compliance with the FDCPA like the scammer shill transcript "The FDCPA requires that we do two things. The first is send a letter notifying you of the transfer of this debt..."  I'm simply responding per their lead.
Re. "Anonymous, why don't you take time to read the FDCPA," I have and why I use the FDCPA to ridicule your false assertions.
"Annoyed, ... You're looking for justification as to why you're not going to pay them" is another false assertion. Annoyed hasn't even received *ANY* paperwork on the debt. The world is rife with scammers and no one should pay just because a scammer calls and demands $$$. Annoyed is right in demanding written validation sent through the US mail.

"im sure if you want something in the mail, their company can send it to you" isn't quite right. Sending paperwork within 5 days of initial contact is *REQUIRED* by the FDCPA, it's not just a good idea, and debtors do not even have to ask for it. A&N isn't doing it which suggests a scammer so A&N should be treated like a scammer until it complies with the FDCPA. If A&N wants to be treated like a legit debt collector, then A&N should *BEHAVE* like a legit debt collector.
"they didnt send me papers" means you may have paid a scammer... I mean your employer. We aren't as gullible as you.
No one here suggests debtors shouldn't pay their debts but we are saying debtors should *NOT* pay scammers.

"These company's do NOT need to provide you with anything bearing your signature to validate the debt" isn't quite right. If you dispute "any portion" of a debt (creditor ID, amount, date, whatever), paragraph 809(a)(4) states "(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall ... send the consumer a written notice containing ... (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector;"  Verification can mean a signed electronic or paper credit card authorization slip and this is what aaa refers to. Obviously, if you bought something online, your signature will never appear on the transaction and aaa isn't refering to these sorts of transactions but a scammer shill will create and ridicule a false assertion of his own making.

If you read all my posts, you would see I said many times I would not pay them anything UNTIL I received the paperwork we requested to verify the debt. I'm not looking for justification for anything, I just want the paperwork I know we are entitled to.

laughing at you...you would lose in court..i am allowed to check the interest that was added to my account and if you dont have the original contract with my signature...YOU LOSE IN COURT.
you better recheck the law

please be very careful with debt collectors..i was told never sign any documents even a letter you send them,,why because they can somehow put that signature of yours on a approval debit form and then they will take your monies from you...just print your name on any letters you send them

Did some digging and am amending my reply.
"If the owner of the debt is calling you for the repayment of this debt...the FDCPA doesn't apply" IS COMPLETELY FALSE.
Here is the authoritative FTC staff opinion letter http://www.ftc.gov/os/statutes/fdcpa/letters/arbuckle.htm which states "In sum, it is our view that a party that obtains consumer obligations in default for the purpose of collection is a "debt collector" under the FDCPA, even if that party actually purchases the accounts from the original creditor."
There is a wealth of FTC opinion letters available, just google "ftc.gov staff opinion letters"  Opinion does not mean it's just any opinion, these are legal opinions written by FTC lawyers by which FTC regulations will be enforced.

IANAL but think letters have to be validated in some manner as coming from you and this generally means your signature. I do understand your concern that signatures can be digitally scanned, stored, transmitted, reproduced on various debt-acknowledgment forms as required and perhaps even sold and which is why I always sign "Mickey Mouse" when my electronic signature's required at checkout. AFAIK, checkout computers do not have reference signatures to compare against (but don't try this at your bank - your bank *may* have your real electronic signature on file and comparison software, mine does).

Any debt collector who does not obey the FDCPA deserves to be treated like a scammer regardless of BBB rating.

So you're saying that the people who have posted the negative things on here aren't being truthful? I'm not one to get online and complain about anything unless I'm really upset. March 18th made 30 days from the first day I was contacted. Coincidentally we have not received any paperwork or any more phone calls since a few days before that date.

Attorney and BBB--- not reputable

Debtors with too much time and not enough money----reputable


Seriously?