WATCH OUT FOR THESE CRIMINALS....! I worked at this company and everything they do there is illegal. They purchase all of this debt and pay the collectors 20% per payment. They tell us to represent ourselves under false aliases and threaten check fraud by reciting the laws that govern the state that the debtor tive in. We used to refer to ourselves as "investigators" and pending warrants on every debtors answering machine, and threated to issue a summons by a local sheriff through the magistrate court. They are CLEARLY breaking the law. If they call you DO NOT PAY THEM...GET A RECORDER AND SUE THEM FOR WHAT THEY ARE WORTH!!!!
You've made good points, but it didnt answer my question...By the way the only thing questionable is that you're saying not to pay your debt, cause from what i know they can sue you... I owe alot and it hasnt been done yet(thank God) But i'm pretty sure you can get sued.
What your missing here is this. You don't have to prove anything to this company. They have to prove it to you. And, if your concerned about it being reported on any of your credit bureaus the information reported must be accurate. If the debt is not yours and it's reported, sue them. It's a violation of your consumer rights.
If you allowed this family member to use your personal information then this is how you owe these #$#$#heads as you put it.
If your concerned about your cousin going to jail then one of you need to take care of the matter. Paying the debt would certainly stop the company from coming after it.
A collection agency cannot call you several times a day to collect a bad debt. Again a violation of your consumer rights via FDCPA.
The only way you could get around not paying it is either not pay it or have somebody else pay it.
I got a call for my fiance`on my personal cell phone! What happened to collectors not calling cell's; and these people are the rudest! I was threaten that if I did not give them a debit card # that they were sending the sherriff over to serve a summonize! And that he was looking at 6mths to 2 years in county! Well first in the state of Ohio they can only hold you for 18mths in county then you go to the State! But I am to talk to these
a--holes again today by 3:45 or they are sending they sherriff! Will be checking back for sudgestions!
Anna - there's a book out called "Don't Sweat the Small Stuff" you should read it. I agree totally with Jim and if Rick had read Jim's message correctly in the first place he would have realized that ACE was in the wrong because they deposited his wife's check before the date the contract agreed to. Personally, I received a call from Charles at Vandenburg and because my daughter (who posted a response earlier and works for a collections law firm) received a call the same day found out that they are totally in violation of the FDCPA rules. Not only did this guy go to the extent of threatening me with being thrown in jail, but he alluded to the fact that it would be in the "SUPREME" COURT. Not superior, Supreme!!
My daughter called and spoke with some guy saying he was a "supervisor" and that this Charles / Chuck guy would be fired immediately and that they would be "settling" my case with me immediately. Well, Lies Lies and more Lies they tell -- not only did I receive another call from Charles (some 3 weeks after he was suppose to be fired) with more threats, but just yesterday I got a call from some other guy there - they can't even communicate within their own company as to who is handling what account.
So, I'm contacting the big guys in charge of collection agencies and the FDCPA as should any and all of you that have been verbally abused by this company. Here's a hint - if they leave a message on your voice mail, be sure you get a recording of it then you have documented proof of their threats!
Good luck to everyone - we really should put these type of collection agencies out of commission.
As far as the Payday Loan companies go, they should be regulated more. Sometimes people get behind the eight ball and when they turn to a payday loan company for help, all they get raped by the excessively high interest and if they can't get it paid back (loss of income due to health or some other reason), they get made to look like some deadbeat - Stuff happens and the payday loan companies make enough profit they could be a little more lenient for extenuating circumstances.
And to Rick and the other's who insinuated those of us who are in this situation should just be responsible and pay our debts, maybe you should step back and put that silver spoon back in your mouth. Some of us don't have the luxury of family money or inheritance or some other out of the ordinary circumstance that allows us the freedom to have that "rainy day" account.