Public Law 95-109 specifically state that you do NOT have to deal with a 3rd party Collector in order to settle a debt. The debt can be settled with the creditor and there is no need for a collection agent. Sent them a Cease and Desist, Certified Mail, Return Receipt Requested. That way you invoke Federal Law. Simply list Public Law 95-109 and any pertainent subsections and tell them their services are no longer needed.
It gets sent back to the creditor and listed as a non collectible debt.
Then challenge the debt at any of the 3 credit reporting agencies and watch it go bye bye.
Screw Collection Agencies because they ding your credit report whether you pay or not. They collect up to half of the debt for themselves and pay the creditor the rest. Think of how much money you can save if you negotiate with the creditor. If they don't want to negotiate, simply play the game described above.
Don't worry too much about the creditor suing you. It costs a lot of time, money and resources to do that and it isn't really worth it to the creditor in most cases. That's why they like to get you to sign (One credit card application) that you agree to an arbitration, should there be a problem. Sign that and that means you just gave up your right to recourse.
Credit agencies cannot threaten you or violate your privacy or identity.
Some are smart and claim the collection agency owns the account. but that is easily disputed without admission when you ask who the debt is owed to and they tell you the original creditors business name.
Collection agents are so stupid, most of them don't even know there is a law (Public Law 95-109 - Unfair Debt Collections Practices Act)and if they violate these laws, report them to your State's Attorney General's office/Consumer Protection Division.
Bender Over Jul 17th, 2013
Ditto on the ridiculously cruel 'collections' techniques. Complete mountain made out of a molehill. Just as millions of other 'survivors' the great recession; it wasn't enough for me to lose my house, all of my credit and come w/n a$$ hair of being in bankruptcy court and couch surfing (w/ my family) in my mid 40s - after an entire adult life of perfect credit. The second I was finally gainfully employed; the wage garnishments came. Not even a couple of months of trying to breathe easy for once in YEARS - nope, kicked straight in the jewels AGAIN. All of these people, and I mean ALL of these people are welcome to burn in hell. There was no bailout for the middle class; but every big bank that was deemed 'too big to fail' was led to the billions of dollars in bailout funds trough and gobbled greedily like the swine they are - while they were also allowed to 'write down' bad debt expense on folks they screwed w/ 30% interest rates on credit cards w/ a couple of grand on them. Complete double dipping. Don't bother trying to explain that the $ amt you ran up was to sustain your family through a crisis. And especially don't bother trying to explain that you couldn't make your minimum payments when your interest rate was jacked to 30%. Oh, and don't bother asking about the details of the 'math' that turned a $1500 debt into 4K overnight... absolute blood sucking, soulless bottom feeders. If you are lucky enough to be employed; pray they don't figure out where you work - the garnishment 'threat' is for real - and for surprisingly petty $ amounts a 'real' attorney wouldn't have even fallen out of bed before in the 'before time'. Good luck folks...
R. Shackleford Nov 15th, 2012
To 'anno' 'sterling' 'Lori'
None of you can fool me. I grew up at a collection agency and come from that background. Each of you works for this backroom agency, and none if you are operating within legal guidelines. I happily suggest you go screw yourselves, and have a nice day, because while you harass people on the phone and post garbage comments on sites like this, normal people are struggling to put food on the table. What a waste of space you all are.
This is to collect on a medical bill.
“Anno” won’t be back to defend that rambling free-form poem, but we really have to ask why such a clumsy piece of spin doctoring is the very first comment in this thread. It can only be the work of a typical collections employee who had to repeat fifth grade due to poor language skills. Maybe it has something to do with the complaints seen elsewhere, describing a host of terrible FDCPA violations:
- “Sewer service” of legal documents
- Threats of wage garnishment
- Pretexting reps, calling neighbors and relatives of the call targets with supposed “emergencies”
- Reps lying about their identity, posing as lawyers or people familiar to the targets
- Pestering employers of alleged debtors after being ordered to stop
- Failing to cooperate with debt validation requests
“Anno” wasn’t replying to anyone here, so this was a pre-emptive PR strike. See also a comment about the same a/c 206 phone number from “Mary” on 800Notes, made the same day as “Sterling” and sounding much alike. “No deception there”, right?
Any pleading to “downsize our life style” shows a profound ignorance for the state of what we once called Middle Class. It has ALREADY been downsized by stagnant wages, spiking living costs, and tax-sheltered employers. Predatory lenders, their collection henchmen, and their cozy partners in the court system have teamed up to finish the job.
This apologist wants us to “juggle juggle juggle” until we run out of balls and pins? We’re a little busy now with the ‘struggle struggle struggle’ to simply keep running in place! You can curate a budget until it’s airtight and still be sacked with an unprovoked interest rate hike, medical debt from a broken insurance system, and/or a company that sells your crummy $25K job overseas to the lowest bidder.
The worst part is this agency shill wants us to gouge ourselves to satisfy a chronic lawbreaker’s uncontested debt claims. The first response on this tilted game board is not “How can I pay” but “Prove I owe!”
If you are receiving repeated, misdirected, and/or abusive calls from a third party debt collector, you may find relief in the provisions of the FDCPA, the Federal law which regulates collector behavior and provides you simple tools for your own defense. It grants you control of how you are contacted, and the means to sue at low cost. Learn your rights and first response tactics at FTC-dot-gov. See also your state laws for additional support.
Resident47 Mar 12th, 2011
Olympic Collection . . . no deception there, simply asked for an employee and indicated where they were calling from.
We got a call from this number and they old us the only way to pay was to put money in some bank account. That didn't sound right
Hey Lori, go fuck yourself
anno was your post a joke ? seems like it ... the fat cats got a bail out I got laid off ... so hell I am not digging to deep ... no I am filing bankruptcy ...
this person has called multiple times. i don't recognize the number, but i just called back using skype and a woman named tara answers.
WE WERE CALLING FOR ???????
collections is here to help you address the issue you keep putting off
help you find a way to pay
help you keep on track
get a feel for when you can pay in order not to have to call so often
the person you owe doesnt have time to call you
you dont call them and keep saying you dont have their money
so collections does the calls for you and the person you owe
you dont have to keep callin to report to the person you owe
and the person you owe doesnt have to keep callin you when they already have a job doing something else
just do a budget if the bill doesnt fit
try to find a way to pay
find a way to get the money
or estimate how long it will be before you can pay and tell them
why are we always trying to get out of paying what we know we did/ why are we living above our means making promises to pay when we know we cant
we should acknowledge we owe. look for a way to pay. get in survival mode dig deep have sales, get 2nd jobs. downsize our life style til we get our bills paid
then we can go back to the way it was
cut that text off the phone
cut those premium cable channels off
pay off you credit cards and use them to pay other debts and make them make the minimum payments on the cards . juggle juggle juggle
HAVE A CAR WASH
HAVE A GARAGE SALE
HAVE A BAKE SALE
SELL OR PAWN OLD STUFF WE DONT NEED
ASK FOR HELP TO PAY BASIC NECCESSITIES TO FREE UP MONEY YOU USE FOR THEM TO PAY ON YOUR CREDITOR BILLS
SAY NO CHRISTMAS GIFT NEEDED HELP ME PAY MY BILL
USE YOUR INCOME TAX RETURN TO PAY OFF BILLS
SEE IF YOU CAN USE YOUR 401
OR CHRISTMAS CLUB FUNDS
JUGGLE JUGGLE JUGGLE
CAR TITLE LOANS ARE ALL WAYS TO JUGGLE TO GET BILLS PAID
IF ITS JUST SO BAD
SELL THE HOUSE GET AN APARTMENT
TURN IN YOUR CAR FOR A CHEAPER ONE
SELL THE CAR TAKE THE BUS
CAR POOL CUT DOWN ON GAS MONEY
USE YOUR HEAD THINK GET CREATIVE
YOU CAN FIND A WAY
DONT GIVE UP
IT'S AMERICA PEOPLE
TELL FAMILY YOU DONT WANT GIFTS JUST HELP WITH BILLS
CHURCH MIGHT HELP YOU OUT
WITH BASICS SO YOU CAN PAY CREDITORS
WE ALL HAVE BILLS