Receiving Calls from a Collection Agency is not the end of the world..
Making Collection Agencies hang up on you is easy. No matter how they approach you if they are calling you it is a nuisance. While I would never pay a collection agency and may even make them pay me for their violation of collection agency laws. If you are not experienced in handling calls from debt collectors you need to stay off the phone with them.
One of the things that you can do that will usually get a collector to hang up on you before the can start berating you over the phone is to tell them that all calls that you have concerning important financial matters are recorded.Â
If you just use this simple line "Because I need this conversation on record, before we start discussing the matter that you called me about I need to hook up my recorder to my phone. Please hold on for one second." Then just set the phone down for a minute and come back and say. "Mr/Ms Collection Agent this call is now being recorded. To make sure I have your permission please give your full legal name with a statement that it is ok that I record this call. Also since I know that most collection agents do not use their real name for obvious reasons I also need your employee ID number and need for your manager to verify that the number you give is correct".
I can assure you that if you do this they will hang up on you 98% of the time. On a more serious note though keep reading if you want to learn about how to strike back and make a collection agency stop calling you.Â
A simple inexpensive way to get peace in your home
works on telemarketers too...
Most collection agencies and telemarketers use predictive dialers. Without going into a full explanation they basically call you with an automated machine and when you answer they connect you with phone drone.
What phone zappers do is trick their system to think that they have reached a disconnected number when you answer. It send a pulse back through the phone line to their machine and disconnects the call. It may even remove your number from their database.
This works for a collection agency or telemarketer!!
Fetching new data from eBay now... please stand by
Ok you don't have to lie to them...
You may have to have their permission in some states and in some states you do not need their permission. Ill provide more on that latter!!
Olympus TP-7 Telephone Recording Device
Amazon Price: $17.82 (as of 10/08/2008)
Olympus VN4100 Digital Voice Recorder
Amazon Price: Too low to display (as of 10/08/2008)
Olympus WS-310M 512 MB Digital Voice Recorder and Music Player
Amazon Price: $124.95 (as of 10/08/2008)
Sony M-100MC Microcassette Recorder with Voice Operated Recording
Amazon Price: $47.68 (as of 10/08/2008)
Learn to Protect Your Rights when Dealing with a Collection Agency
- Stop Collection Agency Phone Calls
- The legal nitty gritty on how to deal with collection agent on the phone
- Collection Agency Laws - Makes them leave you alone ....
- Collection Agencies have many laws that govern their conduct. If you become an informed consumer they will leave you alone.
- Request Validation - Drive a Collection Agency Nuts
- One of the easiest ways to get a collection agency to back down is to make them prove that you owe exactly what they claim.
Watch a consumer hold a collection agency responsible for breaking the law
Not only is this consumer raking a collection agency over the coals you can hear a collection agent earn the title of "Dumbest Collection Agent Ever"
Fetching RSS feed... please stand byTell us how you got a Collection Agency to Stop Calling
or ask questions about making them stop
or tell us how much this page helped you!! Also some stars would be nice. The more the merrier.
I have already filed bankruptcy because of Midland Finance/PNC Bank but they are now trying to say I paid them since then, which is a total lie! I don't feel they need to harrass me because they tried to put me and my family on the "street" the first of Janury whatever year (at least 3 years ago) and now they are trying to collect again!! I can't get their direct address or phone number from the collection agency. Any ideas as to how I can find their contact info?
Posted September 27, 2008
I have been in the collections industry for well over 15 years and it amazes me that people still take this type of bad advice. Do some checking into Bud Hibbs and others like him. They give you a lot of bad advice and incorrect information. While I will admit there are some bad apples in the industry, most bill collectors are simply doing their job. Collecting money that is owed to their client(s).
They (Bud and his ilk) basically try and convince you that you don't have to pay your bills and give you advice on how to try and get out of it. Besides being legally way off base, that is simply morally wrong. Pay it. The best way to keep a collection agency from calling you is to pay your bills on time. If you are behind, work out arrangements to handle the bill in a responsible manner. Most collectors will work with you if you don't get beligerent and try and make good on your debts.
I can't tell you how many people I have had sued because they listened to advice like this.
Posted May 14, 2008
CACH is a junk debt buyer, part of Collect America mob ... go to budhibbs.com for lots more info ... be very careful agreeing to anything w/ CA mob as they don't have a good reputation for honesty
Collect America aka CA Holdings
CACV & CACH
(Separate Corporations, Subsidiaries)
370 17th Street, Suite 5000
Denver, CO 80202-3050
Ph: (303) 296-3345
Fax: (215) 281-7522
Phillip Scott Lowery Offices:
(Private Law Firm Owned by Collect America's CEO)
4500 Cherry Creek Drive South
Suite #700
Denver, CO 80246
Web Address: http://collectamerica.com/
Principles:
Phillip Scott Lowery
Brian L. Johnson (Financial Officer)
David L. Michael
James R. Wolf
Posted March 09, 2008
a collection agency is calling my son for a credit card debt which we are willing to settle, but they gave me all his info. & made a settlement w/me. they say they are the law office of richard clark, but the number comes back to CACH LLC. hOW DO I FIND out if it's a real attorney or collection agency? they swear they are the law office trying to collect a debt for bank of america. thanks
Posted February 05, 2008
Collection Agencies to Avoid
from www.budhibbs.com
1-866-857-3916
Academy Collections
Account Management Services
Account Solutions Group
AFNI Anderson Financial Network, Inc.
AGRM, LLC
AIS Services, LLC
Alegis Group, LP/Sherman Financial Group aka LVNV Funding, LLC
All American Financial Associates
All Debt Traders, LLC
Allen, Lewis & Associates, Inc
Alliance One, Inc
Allied Interstate, Inc.
Allstate Financial Services dba Allstate Adjustment Bureau
Aman Collection Service
American Acceptance
American Coradius, Inc.
American Credit Collections, LLC,
American Debt Services
American Legal Recovery
Ameriquest Recovery Services
AM Mortgage Brokers
AMO Recoveries
Anchor Receivables Management
Ariel Financial Services
Arrow Financial Services
Ascent Card Services, LLC
Asta Funding
Asset Acceptance Corp.
Atlantic Credit & Finance
Aurora, Gold & Associates, LLC
Baker, Lawrence, Attorney
Barnes, Curtis, O. Con-America
Bamford, Thomas K./Elder, Timothy L.
Bass and Associates
Baumann Law Firm
Bay Area Credit Services
Bennett & DeLoney, PC.
Blatt, Hasenmiller, Leibsker & Moore
Booth and Associates
Booska, Steven A.
Bronson & Migliaccio, LLP
Buffaloe & Associates, Lawyers
Burgess, Douglas R.
Burak, Donald S. Attorney
The Bureaus, Inc.
Burke, Edward T. & Assoc, P.C.
Brachfeld & Associates, P.C.
Brumbaugh & Quandahl
CACV aka CACH, LLC
C. Barry & Associates, LLC
Caferella, Jason J., Attorney
California Financial Credit Association
Cambece, James A. aka/Tough Tony
Capital Management Services
Capital Recovery Services Group
Cavalry Portfolio Services, LLC
Check and Merchant Services
Civil Claims Asset Investigative Services
Client Services, Inc.
Cohen & Slamowitz, LLP
CMC Recovery Services, Inc.
Collect America, CACV aka CACH, LLC
Collect Corp Inc
Collectech Systems, Inc.
Collins Law Office
Colonial Credit Corporation
Commonwealth Financial Systems
Consumer Credit Association
Consumer Recovery Associates
Continental Credit
Convergys
Corbett Law Office - Patrick Michael
Costal Asset Management Group
CPS Investigations
Credit Collection Service
Credit One, LLC
Credit Services, FAIC
Credit Systems International
Credit Recovery, dba as Boivin, Lawrence R., Lawyer
Creditors Financial Group
Creditors Interchange Rcvble Mgmt, LLC
CRS Capital Recovery Services
CSGA. LLC
C. Water Recoveries Also see www.giovelawofficeexposed.com
Daniels & Norelli, P.C. (Con America)
DeJana, Richard
Delta Group aka Joseph, Ortiz & Epstein, LLC
DeLoney Law Group, PLLC
Dendy, Michael D.
DMG Consulting
Ebbets Partners
Elder, Timothy L./Barnford, Thomas K
Elite Recovery Services, Inc.
Ellis Crosby and Associates
Empire Recovery Group
Encore Capital Group
Encore Receivable Management
Endeavor Financial Partners, LLC
ER Solutions
Eskanos & Adler, PC
Estate Recoveries
Evans Law Offices
Financial Credit Services
FBCS Federal Bond & Collection Service
Federal Credit Recovery/FCR Offices
First American Investment Corporation
First Revenue Assurance
FNBM, LLC
Genesis Financial Corp.
Go-More Financial, Inc.
GC Services
Gemini Recoveries, Inc.
Giove Law Office, P.C.
Global Acceptance Credit Company (GACC)
Global Vantedge
Goggins & Lavintman, PA
Gulf State Credit
Great Seneca Financial Corp.
Greenberg & Associates
Greenman and Donahue, Inc.
Gurstel, Staloch & Cargo
Hanna, Frederick J. & Assoc.
Harker, John W. CACV
Harris & Dial, PC
Harrison Ross Byck, Esq.
Hosto and Buchan
Houston Funding Corp.
Hudson & Keyse, LLC
Hull & Associates, P.C.
Integrity Resolution Group, LLC
Javitch, Block & Rathbone LLP
Jefferson Capital Systems
Joseph, Ortiz & Epstein, LLC aka Delta Group
Kay, Mitchell N., P.C.
Kretschman, Brenda Lee
The Law Center
Lang, Richert & Patch
LDG Financial ServicesII, LLC
Leading Edge Recovery Solutions
Leasecomm Corporation
Legal Recovery Services, Inc.
Lenahan Law Offices CLOSED, but still operating see www.giovelawofficeexposed.com
Linebarger, Goggan, Blair & Sampson, LLP
Love, Beal & Nixon, PC
Lowery, Scott P., P.C. aka CACH, LLC
LTD Financial Services, L.P.
LVNV Funding, LLC
Magnus Services, Inc.
Mann-Bracken, LLC
Marauder Corporation (America's Dumbest!)
Marshall & Ziolkowski
McKelvey Law Office
Meadows Law Office - Sheree Meadows
Mel S. Harris & Associates
Mercantile Adjustment Bureau
Merchant's Credit Guide Co.
Meridian Management Solutions
Messerli & Kramer
Midland Credit Management, Inc.
Minority Legal Network
Mims, Jerry M., Lawyer (formerly BANKRUPT)
Moore, Gerald E. & Associates
MRS Associates, Inc.
Myers & Porter, Attorneys
National Action Financial Services, Inc.
National Acceptance
National Asset Management
National Asset Services Co
National Attorney's Network
National Credit Adjusters
National Enterprise Systems
National Financial Systems
National Revenue Corporation
Nationwide Capital Recovery
Nationwide Credit, Inc.
NCO Financial Systems
Neuheisel Law Firm, PC
New Horizon Credit, Inc.
New Vision Financial
North American Asset Recovery
North Shore Agency
North Star Capital Acquisitions, LLC
Northeast Credit & Collections
Nu Island Partners, LLC
Omnia Credit Services
O'Neill Management, Inc. Investigators
Ozark Capital Corporation
OSI/Outsourcing Solutions
Pacific Coast Collections (Alliance One)
Palisades Collections, LLC
Peak Financial Services, LLC
Pennisi, Daniels & Norelli
Performance Capital Management
Phillips & Burns, LLC
Phillips & Cohen Associates, Ltd.
Pinnacle Asset & Capital Management Grp, LLC
Pinnacle Financial Group
Plaza Associates
Portfolio Exchange
Portfolio Management of Amherst, LLC.
Portfolio Recovery Associates, LLC
Preferred Platinum Plan aka Porn Collectors!
Prime Asset Recovery, Inc. Also see www.giovelawofficeexposed.com
Pro Collect, Inc.
Quadrant Group LLC - The Recycle Shop
Ranieri, Christopher, Law Office of
RCS Centre Corp
Redline Recovery Services, LLC.
Regent & Associates, P.C.
Rannefeld, Blue W. Attorney
Resurgence Financial, LLC
Resurgent Capital Services/Sherman
Reynolds & Jacobson, Attorneys?
Riddle & Associates
RJM Acquisitions, LLC
Roach, Larry, Law Offices of
Rosenthal & Colby, Inc.
Sagres Company, (the)
SC Associates
Scherr, Harold E. , Attorney 'Con-America'
Scott, Michael J., PC
Shekinah, Inc
Sherman Financial Group/Alegis (SDB)
Southern Tier Agency, Inc.
Specified Credit Association
Streeter, Sam W., Lawyer
Superior Asset Management
Taylor, Jay A. P.C. Attorney
Titan Recovery Group, LLC
Trak America Enterprises, LLC
Trauner, Cohen & Thomas
Triadvantage Credit Services
TrueLogic Financial Corp.
Unifund Group Corp.
United Abstract Group, Inc.
United Legal Corporation
United Recovery Systems
US Audit Control
Van Ru Credit Corp
Varde
Vasques, Louis, Law Office of
VRM Collections - Vigden Receivables Management
Weinberg, Stanley & Associates
Weltman, Weinberg & Reis
West Asset Management Inc.
Westmoreland Agency/Capital One Bank
Winn and Sims, P.C
Wolpoff & Abramson
Worldwide Asset Purchasing, LLC
Worldzen Collections and Recovery LLC
Zenith Acquisition Corp.
Zwicker & Associates, P.C.
