904-672-1023

Yes, debts should be paid... to the ORIGINAL CREDITOR, not some pond-scum third party collector.

Get a real job, CollectorGoon.

I know whereof I speak, collectorgoon, and the debt collectors call people who have paid the debt or people with similar names, and extort the money from them.

... full of sound and fury, signifying nothing."  --  William Faulkner

"how many people will get sued and how many more lose their jobs over the terminology used to collect monies you owe anyways?"

Do you even know what you're talking about?

H & P capital DO NOT LET THEM SCARE YOU!!

Many people have been expierencing calls from this very rude, abrasive, pushy, shady company. I have been dealing with them for my mother over the past few days over her debt to Checksmart, and here is what I have found out and advice.

#1 The company was just bought by Mr and Mrs Henrion and used to be under the name Legal Mediation Practice. The Henrion's were not envolved in the origianl company. They even changed the name because it was misleading. I spoke with Mrs. Henrion today at her home when I was getting no where with the rude supervisors... Smartpages.com is wonderful!

#2 NO they can NOT arrest you, come to your job, red flag your SS# or anything else they threaten. This is a civil matter and with ANY civil matter NOTHING can be done, UNTIL a) matter is filed with the courts and b) a Judge issues a Judgement. Even then it does not include jail time unless you wrote a check on a closed account or closed your account before the first payment was supposed to post..then you might want to check with an attorney.

#3 I turned in an Internet FBI report on this company and within 30 mins the FBI rep called me. She stated that by the things this company is doing it is flagging as a Phishing company and that it may not even be actual H & P reps calling, that a phishing company will "hack" the Real companies numbers so it looks like the call is coming from there, they even give the right call back number, BUT when you call it the "hack" program flags ceartain area codes and re-routes the calls elsewhere.

#4 DO NOT send them copies of your D/L and Debit card. By law you are not required to give that, and they do NOT need it.

#5 If your debt is with Checksmart, and you try to call your local branch to pay it they will tell you they don't have your account and to call H & P....instead CALL corporate here are there numbers 1-800-837-0381 and 1-866-354-0567, Let them know the situation, the rudeness, the unreasonable requests. That you are not allowed to send H & P a money order through the mail and they want a bunch of extra fees. I got my mother in contact with corporate and she was able to Pay them Directly for only the amount she owed.

#6 Do NOT become a victim. If something sounds off, of shady it probably is. Verify your address, ask for a mailed statement, and hang up. Then use the internets resources and INVESTIGATE!! You will find many things out that are surprising.

#7 Report this company to all the appropriate agencies. AG Florida, your state, Federal Trade and whoever else you think might help.

#8 STAND YOUR GROUND, they are just people that can NOT do anything to you. Mrs. Henrion's exact words are "We are strictly a collection agency for Payday loans"

If you need any help or have any questions, feel free to message me and I will try my best to help you and walk you through getting something done

Original Source:
http://www.debtconsolidationcare.com/paydayloan/handp-capital.html

These are preditory lendors.  They are cliaming that the client has broken the law by trying to steal money.  Taking as much as they can get from said lender and not paying it back.  However you borrow $300 and they take $180 out of your account until you can pony up the full $390 at once, which they know you likely cannot do.  So who is the theif here?  After 3 months of debiting your account they have already taken almost double their money back.

The ORIGINAL CREDITOR? Oh my God, that is the best excuse yet!!! The original Creditor tried, spent dollars after dollars to find you then to try and get you to talk to them from behind your answering machines trying to get you to give a [***] about your debt (which you obviously don't because if you did this would be a moot point) and it becomes clear to them you intended to STEAL all you could and never pay it back. The original creditor hires people like the company you have at that number that calls you (hpcapital) to collect the monies FOR THEM. HP Capital DOES NOT OWN THE DEBT! They are hired BY THE OWNERS! Such ignorance here, yeah oh yeah keep on listening to that DOLT

OK, let me understand this correctly, if you OWN the debt you can't collect it because you bought the debt from someone else? It invalidates the debt owed? Did.... Did I miss a meeting? BY LAW (ask a lawyer) YOU MUST PAY THE CURRENT DEBT OWNER! (Yes, you are right, you don't have to pay the agency but the debt MUST BE PAID REGARDLESS!!!) SO, if a debt collection agency is calling you to recover the money FOR THEIR CLIENT, then that is the preferred method of the way they want those monies returned to them. SO, then you want them to give you the debt owners number so you can deal with them directly as this moron stated in the previous paragraph; GUESS WHAT!?!?!?!?!? ALL YOU HAD TO DO TO BEGIN WITH IS CALL THEM BACK AND DEAL WITH THEM DIRECTLY!!! Back to where you should have gone with it in the first place!!!! You guys are covered in SUPER GLUES (yes you are STUCK IN STUPID MODE!!)

Wait wait, you are saying that the collection company is a scam and they call people up who do not owe the debts and are not the ones who went in under video surveillance and solicited our clients for the payday loans? WTF? UMMMMM, so basically the company is doing nothing but ripping off innocent people who just happen to have the same names as the real debtors (or thieves) happen to have the same exact phone numbers, happen to know all of the personal friends they leave as references happen to have the same address and the same jobs in the same extensions? Brother you CANNOT BE THAT Naive.

HA! "I didn't recall" such debt..... Okay! Well they MUST have the wrong person! Oh wait, it's because it has been months while tracking you down and you can remember because you can't remember which payday loan this one is! You have more than one out! You are a chronic user of payday loans one after another, your weak mind thinks of it as free money. You are sick, ya need Jesus. "I didn't recall" so funny the Ronald Reagan defense... such a lively and colorful remark.

ENOUGH ENOUGH ENOUGH, NO ONE THREATENS YOU ON THE PHONE< IF SO TAKE THE TAPE OUT AND PROVE IT!!! IT IS ILLEGAL!!! They speak in a stern voice THAT IS NOT AGAINST THE LAW! RUDENESS IS NOT AGAINST THE LAW! THIS IS NOT CUSTOMER SERVICE! You ant that go to your neighborhood pub or go to your favorite fast food joint and let the ask you "You want fries wit dat?" Otherwise, the call is meant to lite a fire under your [***] as how obviously you need it else the debts would not be months to years old... you people suck and have no fortitude. Sheep and ugly fat chicks with your itty bitty tattoos and flip flops on, your pick up truck costs more than your house.

"have seen documented cases, available on the internet"

Post the link.

Keep Records.
File complaints.

United States  https://www.donotcall.gov/complaint/complaintcheck.aspx
Federal Trade Commission
http://www.ftc.gov     1-877-382-4357
https://www.ftccomplaintassistant.gov
Federal Communications Commission
http://www.fcc.gov/contacts.html 1-888-225-5322
http://www.fcc.gov/cgb/consumerfacts/1088D-R.pdf

e-mail:  fccinfo@fcc.gov

Canada   https://www.lnnte-dncl.gc.ca/plt-cmp-eng
Reporting economic crime online:
www.recol.ca     1-888-495-8501
https://www.recol.ca/intro.aspx?lang=en
http://www.phonebusters.com   RCMP  1-888-495-8501
email:  info@phonebusters.com
CRTC by calling 1-877-249-2782
CRTC website at www.crtc.gc.ca 
Email:   info@crtc.gc.ca

Better Business Bureau for Canada & US  http://www.bbb.org

you sound just like one of them but remember God don't like ugly and he will get you guys in the end so you tell laura hunter she can stop calling me I'm sure you know her

caling my job 5 5 times a day

Where the heck do you get off judging people... if the person was honest or not- it does not give a debt collector a right to threaten a consumer.  Think about this for a second... a person planned on paying a bill and something unexpected happened and they are unable to pay the bill.  What if you lost your little debt collector job- what will happen to your bills then??? Most people that are in debt have intentions of paying off their debt. You dumb a--hole!!!!

1. A representative stating her name was Jennifer Deal @ 904.418.5000 ext 147 called and left a VM on my cell at 8:32 am On Monday, June 30, 2009
“Good Morning Ms. M,
This is Jennifer Deal with the Offices of HPC. I’ve received a complaint filed against you in our offices. I need to speak with either you or your legal representative about the matter today”.  17 sec long.

2. I called 904.418.5000 ext 147 and spoke to Ms. Deal at 8:36 am. The phone conversation was 5:17 long.
In the phone conversation, Ms. Deal stated pending charges are filed against me with the DA’s office for a payday loan from three years ago. She also state that’s it’s illegal to write a bad check. She asked for my statement on why it’s taken this long to pay back the debt. I told her that I was a full time student that wasn’t working. She stated that payment arrangements aren’t possible and that I needed to pay the debt in full in order to prevent further LEGAL action being taken against me. “You either pay what you owe or DEAL WITH IT”. She then hung up on me.
3. I called back at 8:45 am and spoke to a male representative. I asked the Rep what the website for this company was and I was yelled at. He stated that he doesn’t have to listen to his hoopla about addresses or web sites and that I “have to Deal with the legal action coming my way.”  I spoke to his rep for 4:45 sec.

4. I called back after doing some research online about the company. I spoke to another male rep for 3:10. I asked him for a phone number, I asked him what type of company this was. He also yelled at me and told me give him my name and phone number. He stated “Scum like you will get dealt with!”

5. I called back and spoke to a rep named Tim Hoffman at ext 121. He stated that Jennifer wasn’t available and that she was in a meeting. He offered assistance. I stated that I only had 500.00 to pay today. He said that instead of going on the internet researching the company that I needed to call people and rip them off to pay this debt. Mr. Hoffman stated that further legal action was pending and that he was the only one who could stop it. He stated he was a “senior” in the company and “what I say goes!”. He promised that once the money was sent to his company via Money Gram or Western Union that he’d contact the processing dept  and dismiss the charges. I asked him how he could assure me that I wouldn’t get arrested; he said that he’d make sure the charges get dismissed. He provided me with the fastest method of payment: He gave me the Receive Code 6768 Paid to: HP Capital. ACCT # . I then asked him for the address of his company. He stated the address was 7960 Bay Medows Way. Bldg 6, Suite 300. Jacksonville, FL 32256.

received a call for my roommate-very intimidating-said he has files on his desk and that she should call an 877-285-8668 number and ask the clerk to find him (John Lewis)-after having been the victims of identity theft, this sounds a little Phishy to me. Looked up the company on line, and found all these posts about the company. Sounds like bad business to me-at the very least, poor execution of the laws of collection. I didn't think they could threaten, intimidate, etc...but, these are hard times for everybody, and everybody's gotta make a living. These folks make a living scaring people.

I just got a call from an Andrew Burke who threatened to call the authorities at 9 am in the morning to charge me with a class 1 felony for check fraud, that this was the first time i'd done this..yadda yadda yadda. I called him up and told a voice mail (wasn't even his voice mail, big surprise) that if he tried contacting my family or me again i'd call the Florida Atty. General and the Ohio Atty. General because he violated the Fair Debtor's Act, that what he did was not only illegal but criminal. It felt so good to tell them this. Thanks for letting me know that i'm not the only one being harrassed by an Andrew Burke and H&P Capital. They are the scum of the earth.

This is a message to collectorgod..yes, we may have made some mistakes out there when taking out a payday loan, but we are human..and as humans we are subject to errors, and lack of money, and lost jobs. We are not criminals, and payday loan companies are no better than loan sharks who threaten to place your feet in concrete and throw your still alive frame into the Hudson River. It is a trap that once you enter into it..you can't pull yourself out of it. Obviously you have never been on the other side of the coin, and one day I truly hope that you get into this situation and know how it feels to be harrassed, threatened, constantly being made to feel like you are the scum of the earth when it is you, the predatory lenders who are the scum of the earth. You may just be doing your job, but not once have you ever had to face unemployment, no money, no food or you wouldn't treat people as you have. So suck on that, big shot.