I owed money for this pay day loan and I gladly paid it because I treasure my good credit.
I refuse to be a paranoid deadbeat complaining about collection agency calls. Sure I was embarrassed when they called me but I do not choose to sling mud because of my own oversight. Some of these comments stink because they are made by people who are just making excuses. Those of us who simply had to be reminded and then lived up to our obligation, are left in the same bag as the excuse makers and that is unfortunate, because we are not like them. Pay the people their money and stop whining.
We encourage everyone to pay their bills. But....ONLY bills that are legitimately owed & that have been validated. If some bottom crawling scumbag calls, you tell "it" that you will be expecting that notice of validation (by mail) within 5 business days. When "it" starts with excuses, threats etc; "it" will have proven that "it" is nothing but a bogus/fraudulent debt collector. At this point you will hang-up on "it".
NEVER talk with a bogus/fraudulent debt collector! They are such filthy creatures that it could be possible to contract some dreaded disease by merely speaking with one on the phone! At the very least, trying to communicate with one will lower your IQ. They are cursed & foul beings!
If ANY debt collector calls, you calmly inform him/her that you are fully aware of your rights under the FDCPA. Let them know that they WILL adhere to federal regulations or they will not get a penny from you. Always remember...you are most likely talking to an idiot. Legitimate or not, debt collectors are not hired for their intelligence. Bogus & fraudulent debt collectors are hired because they're desperate enough to accept the job. Their success at it depends on the depths of their depravity. A successful bogus debt collector is an example of how low a human can sink. On the evolutionary ladder a bogus debt collector is on the same rung as the flea or louse.
Yep, everyone should pay their bills. But NEVER lose money to a parasite! Know your rights! Learn to spot a FRAUD! Like this guy here!
Skeff Ett Liv!
Gunnar
I reported her to the State Attorney General and he will forward it to the appropriate federal agency if necessary. What this person at this number does is to leave a very deep voice message that is likely to frighten people. She uses a recorded man's voice. When you call her back at her request she becomes evasive and aggressive. We do not owe anyone any money. She starts raising her voice at you when you call her and begins to try to intimidate you even though you know you do not owe anyone money and you have no idea who used your phone number or why on whatever application. She will not expound. Sometimes deadbeats use other people's numbers. She should be kinder to those victims because they are already victimized by someone falsely using their number and now they are victimized because she is yelling at the victim who is confused about who the heck used their phone number falsely in the first place.
Dear Responsible American, I do not owe any money to anyone and I got the call. It was from Scott Dyson & Associates phishing for information to commit financial fraud. If they call you, they should not be asking what number they called OR what your personal information is because they should already have that. Fraudsters like that try to scare people into giving them personal information like bank account info, social security number etc. I guarantee if you give it to them, you will have ID theft. If you think a call might be legit, you should call them back after you have looked for their number online or in the phone book, and then have them verify to YOU what social and bank account number they have on file. When you call these fraudsters on their ways they get nasty or hang up, plus any legal firm will MAIL you info about an complaint and not call you so they have records of service. I work in the banking industry lending & fraud dept. so I know what I'm talking about. And, yes if you owe someone money you should pay it but you know who you owe.