Comments on: Protecting Our Credit From a Wayward Collection Agency http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/ personal finance tips, tricks, and commentary Mon, 13 Feb 2012 18:22:18 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: MrsB http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/comment-page-1/#comment-221042 MrsB Tue, 19 Apr 2011 02:06:57 +0000 http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/#comment-221042 The collection agency I have dealing with is definitely in violation of the FDCPA (I worked as a bill collector for over 20 yrs, so know what I'm talking about) when they insisted that I pay for a bill that was over 8 years past the Statute of Limitations. Further, I had requested years ago that they also provide verification of the debt. they not only didn't comply, they forward the debt to another collection agency to take a stab at it. I sent the agency a letter to Cease & Desist and make no further contact with me, since they had not intention of verifying the debt. I got a letter a few days letter asking me about my dispute. It's a moot point since the account was now over 8 years old. Has the law changed in the past few years? Every so often I get a call on my home recorder saying, "This call is to try and collect a debt". I'm fairly certain that's illegal,too. I never answer them back. If they insist on playing games, I'm never going to reply. Letters, with dates are retained to pursue legal action against them in the future. The collection agency I have dealing with is definitely in violation of the FDCPA (I worked as a bill collector for over 20 yrs, so know what I’m talking about) when they insisted that I pay for a bill that was over 8 years past the Statute of Limitations. Further, I had requested years ago that they also provide verification of the debt. they not only didn’t comply, they forward the debt to another collection agency to take a stab at it. I sent the agency a letter to Cease & Desist and make no further contact with me, since they had not intention of verifying the debt. I got a letter a few days letter asking me about my dispute. It’s a moot point since the account was now over 8 years old. Has the law changed in the past few years? Every so often I get a call on my home recorder saying, “This call is to try and collect a debt”. I’m fairly certain that’s illegal,too. I never answer them back. If they insist on playing games, I’m never going to reply. Letters, with dates are retained to pursue legal action against them in the future.

]]> By: nickel http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/comment-page-1/#comment-115410 nickel Sat, 16 Feb 2008 15:34:14 +0000 http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/#comment-115410 And what if you paid your bill, have documentation to prove it, and still got called by a collection agency that was accidentally sent to collect on a non-existent debt? I agree that failing to repay your debts is stealing, but that's not what this article is about. As a side note, it would help tremendously if you sprinkled a few commas and periods into your diatribes. And what if you paid your bill, have documentation to prove it, and still got called by a collection agency that was accidentally sent to collect on a non-existent debt?

I agree that failing to repay your debts is stealing, but that’s not what this article is about.

As a side note, it would help tremendously if you sprinkled a few commas and periods into your diatribes.

]]> By: Honesty matters http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/comment-page-1/#comment-115409 Honesty matters Sat, 16 Feb 2008 15:29:45 +0000 http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/#comment-115409 Dear everyone who complains about having to pay your bill or getting called or letters from the people who gave you money when you wanted it. If you honestly got the items or money and now your not or refusing to pay any of it back or pay for what you took there is a word for that its theft the same as if you went into the bank and robbed it or if you went to the store and just walked out with the merchandise if your neighbor came to you and asked to borrow your lawn mower and you let him and he sued you for asking for it back after the loan time passed how would you feel if you were selling a car and they asked to take it for a test drive and you let them and they never came back how would you feel the fact that the people who lent it had you sign and gave documentation verifying the debt just makes it worse the fdcpa isnt supposed to be there so you can get free stuff and sue when they ask for it back its disgusting Dear everyone who complains about having to pay your bill or getting called or letters from the people who gave you money when you wanted it.
If you honestly got the items or money and now your not or refusing to pay any of it back or pay for what you took there is a word for that its theft the same as if you went into the bank and robbed it or if you went to the store and just walked out with the merchandise if your neighbor came to you and asked to borrow your lawn mower and you let him and he sued you for asking for it back after the loan time passed how would you feel if you were selling a car and they asked to take it for a test drive and you let them and they never came back how would you feel the fact that the people who lent it had you sign and gave documentation verifying the debt just makes it worse the fdcpa isnt supposed to be there so you can get free stuff and sue when they ask for it back its disgusting

]]> By: MoneyNing http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/comment-page-1/#comment-113438 MoneyNing Mon, 26 Nov 2007 01:20:48 +0000 http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/#comment-113438 I hope that this is the last we hear about this issue because it means it is behind you! Good luck! I hope that this is the last we hear about this issue because it means it is behind you! Good luck!

]]> By: carl http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/comment-page-1/#comment-113428 carl Fri, 23 Nov 2007 17:29:26 +0000 http://www.fivecentnickel.com/2007/11/21/protecting-our-credit-from-a-wayward-collection-agency/#comment-113428 have u heard about the lifelock service? is it worth the annual fee? have u heard about the lifelock service? is it worth the annual fee?

]]>