We also got a call from this outfit about a fraudulent check. "Investigator Barnes" left a message. I dont even have a home phone in my name so I dont know how they got the number. Do not call them back.
Ken this is not directed at you in any way. Please don't be offended. Just because their is a contract with your signature does not mean you have to pay anything. They still have to file a lawsuit against you in a court in your county to force you to pay this debt. Of course you risk the fact that they could place negative information on your credit reports. Of course they may have done that already anyway. Keep in mind you don't owe these people anything. They bought that bad debt from Ace or whoever. If they spent money on an old debt with the idea of collecting money on it then in my opinion that's their screw up. Also keep in mind if an old debt is sold to a collection agency such as this you don't owe that debt to the original creditor any longer. In my humble opinion you don't owe it to the collection agency either. Nobody forced them into purchasing an old debt. And to keep it even more real. If they did buy this old debt they only paid pennies on the dollar for it. What does that mean. If the Pay-Day loan was for $300. then you can bet the collection agency paid less than $15.00 for that debt. $15.00 would be like 5% and I doubt if they even paid that much.
Not a lawyer here but I know the facts. In my opinion, screw them. Or as I usually put it. "Bite Me" Of course this is only my opinion.
All they are doing is just trying to sell back your debt. They just bought from the person who originally had the transaction with. I would just pay it and get proof of it for records. They called me and I already dealt with something like this before because of a medical dispute. If you pay for it, it will just solve the issue.
I was threatened as well, but then I joined Sterlla Corley’s Karate Academy and now I have self confidence, Perseverance, Determination, and a Positive Attitude! It can help me in defending myself from Collection Agencies and Phone Scammers! I pay only $70 a month; I think you all should join! I know I’m a new person now and I can never be threatened over the phone anymore. Thanks to Sterlla and my other sensei's!!
Well it may sound like I am blowing my own horn here but I'm not. It's not hard for somebody like myself with knowledge like myself to see this company is new and to say the very least a joke.
Employees hiding as debtors attempting to collect. What a piece of work you are. Your not going to make it in this business unless you change your ways. Your going to be giving away a lot of your money you make to consumers and their lawyers because of your continued lack of knowledge or lack of caring regarding the laws that protect consumers.
I have been contacted by several consumers you've contacted. Your a joke and your tactics are even more of a joke to somebody who knows the law. First of all a consumer cannot write a check to Ace and then have some other entity throw that consumer in jail. The check was written to Ace, not another party. That other party has no rights to file criminal charges against that consumer. There is no fraud unless the check you gave to Ace was not yours in the fist place. Ace knows that in most cases the money is not in the account at the time the contract is signed. After all that's why your there in the first place.
There is nothing Vandenberg can do other than attempt to collect on this debt. So what you if they have a signed contract even if they can produce it. Still a contract. Don't pay it if you don't want to. It's just a collection agency. And if you find out that they put this collection account on your credit report I still would not pay the debt unless they signed an agreement to remove the debt from the credit report if you paid it.
I agree with another person on this board. Because of the amount of the debt the company will most likely not persue collection other than a few phone calls. They have to file charges [ civil not criminal ] in your state, not theirs. This in my opinion would be to costly for them to do that.
If they continue to call you and threaten you document each call. Take down as much information about the conversation as you can and then after a few instances find an attorney and file a law suit against them.
Collection agencies have laws they must adhere to. This group of idiots are sure not doing that.