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!!!!
When they called me initially, some woman started going off on me that they had an outstanding warrant for my arrest due to some alleged fraudulent check I had written. I was ROTF LMAO. I guess this tactic works with the uninformed general public, but she had no idea that she had reached an attorney. I laughed at her, told her that I knew she was a debt collector and proceeded to hang up the phone. Within 60 seconds another woman called wanting to verify my employment and once again I was ROTF LMAO and hung up the phone.
I went on-line and looked up this outfit and sure enough, sleazy small time debt collectors. When I tried to fax a cease and desist, I got a recording that the line was disconnected. So I played their little game, called them to verify the fax number, was put on and off hold for 10 minutes before they reluctantly confirmed their stupid fax number.
I faxed the cease and desist and they immediately called to tell me they were turning the matter over to their legal department. Wait a minute, I thought they were the Legal Dept. LOL, LOL. Whoooooooooooooo, now I am really shaking in my boots.
Send a cease and desist and forget about these low lifes. Don't be intimidated by them.
Now, Sara I know you work for them. I found your postings on another site. Stop trying to lead people down the primrose path you evil thing. Stop working for the devil and find a different more respectible job!!!!! They are breaking the law!!!!!
After weeks of harrassing phone calls, I finally called them back about a month ago. They told me they were "expediting a warrant" for my arrest for a PayDay loan I'd obtained from Ace Cash Express in 2005 that was unpaid. The way the rep explained it to me, was that it was just like writing a bad check, which is basically theft by check. I had totally forgotten about the check, (insert sob story here...I basically was starting my life over shortly after I took out that loan..leaving an abusive relationship and moving away) so 3 years later here I was with an accrued balance of $1100 from a $300 dollar loan. When the rep contacted me and told me the terms and what was going on, I knew no better and frankly had the S*&t scared out of me just at the mention of warrant. So, I made payment arrangements, made my 3 payments and as of June 20th am finished with them. I'm not a fan of CAs and I think there are some really slimey ones out there, but I do have to say that the lady that worked with me, Ms. Gracen, was very professional, understanding and kind. She would call me the day before each of my payments were due to make sure I remembered and that I had the funds available. As a matter of fact, one week I mistakenly told her the money would be in on the 12th and I meant the 19th (I was a week off on my pay schedule)and she moved the draft to the 19th no problem whatsoever. For dealing with a CA, I'd have to say, this one wasn't nearly as bad as some stories I've heard. Just my 2cents.
No, I don't work for them or any other collection agency for that matter. I just thought that I'd share a GOOD experience I had in case other people actually wanted to pay off their debt, rather than just gripe about it on a website..curious if everyone here is so "perfect and debt free" how do you know so much about these collection agencies and how they work? Must have had some experience with them in my opinion.
As for "being had", I paid less than what the collection agency was asking. Yes I know I would have paid ALOT less had I just taken care of it originally, but there were extenuating circumstances. I'm happy to have this blemish off of my credit in a positive standing rather than negative.