SHADOWCREEK CAPITAL

"alegitimate" = Freudian slip.

Care to explain why people who never took out a loan are getting these calls?
Guess what?
You Can't!

Have a wonderful day (AKA Goodbye).

"Shadowcreek explaining my arrangement that I Paid-In-Full."

So you got a letter after it was sent to collections? I thought you always paid on time. HAHAHAHAHAHA!!!!

"Paid-in-Full"?  More like "Paid-by-Fool."

To Monopoly Money: Your getting calls b/c collections is not an exact science. They dont always have the correct phone number on the account. So they use something called Accurint. You put the customers info in the fields and it comes up w/ numbers associated with that person. Such as addresses, family members, associates, and neighbors. These numbers are 85% incorrect. But you usually do find someone who knows the customer.

Your Welcome.

Mr. Spock: Your an idiot! After I paid Shadowcreek, I got a Paid in Full letter from Ace as well as an arrangement letter from Shadowcreek for what we agreed on.

And I said pay your bills on time UNLIKE me.....go back to 3rd grade reading why dont ya.

Your assertion a week ago could not be more clear: "If you people would pay your bills on time ... you wouldn't be getting these calls." That song will be replayed another hundred times this year by all your collector friends, yet still not ring true. Then you broadcast that "these are payday loans you took out. Just pay them back to get these people off you [sic] back."

Put another way, everyone who comments in this thread owes a payday lender which has assigned or sold their accounts to Shadowcreek and should pay up promptly without question or protest. By extension, not one person who might wish to complain has any grounds because only those debtors are contacted for a valid collection purpose. Did I cover your initial premise well enough?

Now you tell us that Shadowcreeek is forced by circumstance to conduct skip tracing of "nearbys" and the not-so-nearby, and that possibly 8.5 out of 10 people who are called are *not in fact* the debtors being sought. Leaping from zero percent misfire to 85 percent is quite a spread, hardly an acceptable margin of error for any other business. Yet again you fraud apologists want everything two ways.

Psychology is another inexact science, relied upon daily by scofflaw collectors who hassle everyone plus a alleged debtor's grade school gym teacher to create shame and anxiety. Despite using advanced sleuthing tools such as you've cited to find the nearbys, the "block party" calls are made under the premise that said target is "hiding from responsibility" and could not be located with a team of foxhounds. Brute tactics are most common among agencies with flimsy if any proof of claim, such as the kind peddling marginal and frequently bogus assets like payday loans.

Given that rogue debt collectors make totally unreliable informants, "just pay to go away" is another of those fallacies which will never become true through repeat chanting. In fact, state and federal laws provide that debt collectors may *not* charge a toll as a condition of limiting contact.

Since you'd like to lecture us on how Shadowcreek does business, I wonder if you get an employee discount for collecting your own debt, or you simply agree to work for nothing the rest of the year. I'd take the first option in your place. It'll be safer for when enough people see through the lies, invoke their rights, and starve out the lot of you into layoffs.

Since I gather I am not as smart as you are, maybe you can address I few epistempological issues that appear to be associated with your recent postings.  First, how can you substantiate your assertion that these posters actually took out pay day loans (pdls)?  Second, does your knowledge of knowledge of Shadow Creek's business model (e.g., your assertion that they deal with pdls that were allegedly taken out 1-3 years ago) arise solely from the fact that "you had an account with them"?   Third, can you share with us why you seem to be so knowledgeable about Accurint?  I will readily acknowledge that I had trouble with academic endeavors in primary school, but I have trouble comprehending why you just seemed to "wander" into this thread and make this postings.

Resident47, your saying you would like me to lose my job..well played.
   --- "starve out the lot of you into layoffs."
   --- I dont work for Shadowcreek *See Below"
   --- They take a loan out and then are scared to pick up their phone to payback their obligation.
   --- When "debtors" constantly keep changing their Crickets phone numbers, it gets a little difficult to get                    ahold of those people.
   --- "Psychology is another inexact science" Whose salaries are usually beyond 100K a year. People keep coming back though.  

Seeker: I know about collections since I've been working for HSBC collections for almost 3 years now.
           I wandered b/c I had an account w/ Shadowcreek and I like to find out information before giving funds to a company. So seeing all the negative comments, I contact ACE myself and they confirmed my debt w/ Shadowcreek.


Once again, JUST PAY YOUR DEBTS. I deal w/ so many of you scumbags daily with the excuses, explicit language, and the whining like little grade school children.

First, thanks for your response and clarification.  I'm very impressed and apologize for my earlier post which was probably seemed a bit confrontational.   The reason I "wandered" in here is that approximately two years ago I switched cell carriers and got a new number.  Ironically, the number I was assigned belongs to a deceased man who took his own life in 2007 (I know the story inasmuch as he was a local contractor who had done some work on my home in 2005).

I have received many calls from collectors looking for this man.  I am pleased to report that most seemed stand up and accepted the information I provided them (one woman even cried when she heard the story).  On the other hand, two companies just won't go away.  The refuse to stop calling the number, I have accused me of "lying", claimed to be law enforcement, have arrest warrants etc.  A google search of the numbers they are using brought me here and folks from these "sewer server" firms were even shilling on the threads I found.

In terms of "debtors", I am sure they are like "collectors".  It is a difficult to paint them with a broad brush.  Some may be trying to duck their debts and play games, but I personally know a ton of folks who have fallen on hard times with this terrible economy and have never been late on a payment for anything in their lives (and toss things like divorce and medical hardships on top of that).  In my job I  deal with a criminal element daily, and I can detect from the tone of your last post you seem to be getting a bit frustrated with your work (been there done that).  When I get in those spaces I've found that I'm the one who suffers the consequences of my resentments.

You've nothing to apologize for. Tell rogue collectors "not me" and they hear "liar dodging bills". Verbal demands are wasted on Buffalo Bullies. Get on a paper trail and and take away their permission to call, as I've discussed in the thread I'm about to link. You might insert the address of the cemetery where that poor man lives if the goons want to collect from him so badly.

https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls

I don't really care who signs your paychecks or hands out spiffs to the top bullies. I'm not the one calling the readers "idiots" and "scumbags" and broadly assuming they are deadbeats.

You like grousing about the burdens of your job but have nothing to say to the valid concerns raised throughout this thread, much less your own logical short-circuits. A legitimate (and not "a-legit-mate") agency doesn't rely on illegal threats, doesn't rotate business names to evade regulators, and feels no need to periodically send angry little trolls to sites like this to start bar fights. If you're so upset with the reactions from alleged debtors on your call sheet, maybe you first need to check that punitive attitude at the door each morning.

I also "like to find out information before giving funds". Federal law provides the means to raise disputes and request validation, which is the collector's job to obtain and not mine. Contacting a creditor and being informed that an account was assigned is not the same thing. That process is invaluable when the creditor is a "fringe banking" entity like a payday lender. That "paid, thanks" letter you're waving about won't stop the account from being sold off to some other jackals who now know where to find soft prey.

My billers are all very happy and some are paid ahead. I'll gladly "just pay debts" when they can be proven valid and no laws are broken to expedite payment. Thus far, money has flowed in but one direction, from debt collectors to me in federal court.

Just because their info is outdated, doesn't mean they have the right to harass innocent people.

You people are denial of your own behavior. It's funny how you actually defend yourselves in not paying back your obligations. It's stealing.

Keep being trapped in your own home and afraid to pick up your own phone.

Shill flagged, tagged and bagged!