Created by StoptheAbuse (contact me)
Abuse is Rampant by serveral different types of organizations
While I am NOT an Attorney everything you find by me will be based on experience or fact.... (more...)
Your fans are waiting!
To pay or not to pay that is the question...
Paying a collection agency may not be the best way to repair your credit or protect your privacy. There are situation that you may find your self in and have to pay a collection agency to to accomplish a short term goal such as buying or refinancing a home.
If you are just in general collection agency hell then paying may do you more harm than good. While I would NEVER PAY A COLLECTION AGENCY. How you wish to handle your individual situation is a personal choice.
If you do need to pay them off make sure you do it in a way to not cost you future heart ache and pain..
Do's and Do not's on Paying a Collection Agency
there is a right way and a wrong way to pay them
You may be doing the right thing and it cause you more problems than it is worth.
- Don't give a collection agency your credit or debit card number or checking information over the phone. There are to many stories on the Internet where people have paid collection agencies this way and dishonest collection agency personnel misuse this information.
The best way to pay them is with a money order or through a third party such as a closing agent or attorney.
If they insist you use quick collect or money gram chances are you are being scammed plus the fees for these services are draconian. Buy a money order and overnight it to a specific contact at a collection agency the cost of this should be less. - Do make them put it in writing that you will never hear about this debt again especially if it is a reduced payoff!!
Many times collection agencies will offer you a reduce payoff on a debt only to resell the portion you did not pay. There are many collection agencies that are in the business of buying old debts and "deficiencies" like this get packaged into portfolios of junk debt.
A debt that you clear today may pop up on you years down the road. - Do ask them to delete the trade line. You may be able to accomplish this towards the end of the month when they are trying to close out their numbers. You have always heard that the best day to get a good deal on a car is the last day of the month. It is the same with a collection agency.
Because you are not going to give them financial information over the phone start a few days early. If they agree to this make them put it in writing!! - Never take anything they say over the phone as reliable it bears repeating. Do not give financial information over the phone and make them put everything in writing!!
The best way to avoid problems is to not let your debts contol you..
The Total Money Makeover: A Proven Plan for Financial Fitness
Amazon Price: $16.49 (as of 05/17/2008)
The Total Money Makeover Workbook
Amazon Price: $12.23 (as of 05/17/2008)
Financial Peace Revisited
Amazon Price: $16.29 (as of 05/17/2008)
The Financial Peace Planner: A Step-by-Step Guide to Restoring Your Family's Financial Health
Amazon Price: $10.88 (as of 05/17/2008)
More than Enough: The Ten Keys to Changing Your Financial Destiny
Amazon Price: $10.20 (as of 05/17/2008)
There is no debtors prision
If you are in collection hell and have no immediate goal of home purchase and you have some time to deal with you financial woes. The best advice is to get Dave Ramsey's book financial peace and start looking at way to enforce your rights allowed by Federal and State laws when dealing with a collection agency.While this is a moral mind field it is not illegal to owe money. It is illegal to be harassed because you do. This country was a penal colony where people got 'transported" because of debts or crimes.
If a collection agency harasses you on the phone and threatens legal problems such as jail it is time to hold them culpable!!
Don't Let a Collection Agency Take Advantage of You...
know your rights....
We are trying to bing all together for you in one place.
- Stop Collection Agency Phone Calls
- Dealing with a Collection Agency is not a fun proposition if you are not aware of your rights. Allowing them to intimidate you and place you on the defensive is the exact goal that they are trying to achieve when they call you. How you deal with them may determine your piece of mind in the near term.
- Request Validation - Drive a Collection Agency Nuts
- If a collection agency is coming after you, protecting your rights under the Fair Debt Collection Practices Act (FDCPA), may be as simple as writing a letter. Many times debt collectors are collecting on old debts with no way to verify that the amount they claim you owe is accurate or that they have the authority to collect it. make them prove it!!
- Collection Agency Laws
- The Fair Debt Collection Act is the granddaddy of Collection Agency Laws if you use it to your advantage collection agencies will leave you alone. Education is the key to dealing with collection agencies. If you take the time to poke around here you will find information and links on how to deal with with collection agencies.
- People First Recoveries
- Debt collectors describe how they do their jobs--and why they prefer calling your relatives and neighbors! This collection Agency People First Recoveries - IDT Carmel seems to continually violate laws and they don't mind bragging about it.
Guides for making a collection agency cry uncle
Collection Agency Harassment: What the Debt Collector Doesn't Want You to Know
Amazon Price: (as of 05/17/2008)
Blogs from the Net Dealing with Collection Agencies
- Exposing Collection Agencies for What They Are
- Why I Do This:
Educating others so they do not allow themselves to be taken advantage of is a personal goal of mine. - FBCS Collections Breaks the Law | Federal Bond and Collection Violates the FDCPA
- Before you deal with these knuckle heads know the truth. They break the law and try to collect on out of statute debt.
- Midland Credit Management | Unethical Junk Debt Buyer
- MCM is one of the largest Junk Debt Buyers out there. They are now entering the arbitration game to coerce consumers into paying uncollectable debts.
- Resurgent Capital Breaks the Law
- They like to make people pay up. Now it is their turn to pay up for violating the Fair Debt Collection Practices Act
- My Dispute with Stanley Weinberg & Associates
- This blog will be dedicated to my dealings with Stanley Weinberg and Associates and how they violate the FDCPA and my pending legal claim.
- Blogging your way to debt resolution
- Blogging your way to debt resolution
If you are reading this blog you have the ability to strike back against collection agencies that have broken the law and have violated your rights. All you need is a computer and an internet connection.
Do you find this helpful or have a question
or plain disagree?
Let me know please.
If you owe it! pay it! You did not complain when you were spending the money
Posted May 15, 2008
My employer just received a writ of continuing garnishment from a company I have never heard of. They have never contacted me before and this debt they say I owe is dated for 1991. My boss thinks they need to start garnishing me or they will be in trouble. What can I do to stop this?
Posted May 14, 2008
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zune08
Thank you thank you thank you. Posted March 27, 2008 |
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Happy-Go-Lucky
This is a great 5 star lens packed with info everyone needs at their fingertips! Thank you for all the work you put into this one. OnlineLoanOptions Posted March 26, 2008 |
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StoptheAbuse
Morgan sorry you find this information offensive to you. But I stand by my statement you should never give a collection agency your personal banking or credit card information. Chances are Morgan is not your real name and an alias that you use in your career. Posted March 25, 2008 |
I am a bill collector and this article is ridicious!
We are here to help the debtor not hurt them, especially in the case of the buying a home. We go out of our way to offer settlements when we can and fax proff the account has been paid to whomever they need it to as soon as they pay!
There are bad seeds in every buisness I think this article is totally unfair and misleading!
Posted March 18, 2008
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Stephene
Thks for useful information.. i hv bookmarked this lense and joined your fan club.. (^o^) Posted March 16, 2008 |
I wish to God that I had read this website BEFORE paying this stupid law office that is illegalling using scare tactics to get their money. I am a victim of their crime and no one cares and no one will help me with this. Very frustrating!
Posted February 19, 2008
Through one popular website w/debt collectors it said to avoid some. After being insulted I did so...wife and I went thru really difficult time 2003/4 etc. now was served papers by brachfeld and associates for $2568 plus interest. We do owe capital one whom we called trying to work out a payment plan to no avail etc. statute of limitations ends May of this year, any advice would be appreciated! Thanks!!
Posted February 14, 2008
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thomasz
I like this lens. 5 stars to you. Posted February 13, 2008 |
If you are being harassed by collection agencies and the sleazy law firms that take on their cases, and they have violated the FDCPA (google it - the laws they have to follow), SUE them! The more we are scared and let these butt-wipes scare us, they more they control us. Don't be scared of them! Stand up for your legal rights. Laws are made to protect us. Utilize them!
Posted January 17, 2008
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AKdude
Good info. I've had several run-ins with collection agencies over the years and wish I had known this stuff then. Thanx. Posted January 03, 2008 |
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geneweb
it was nice book you propose, tanks for all. Posted December 28, 2007 |
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elishadavis
Interesting lens. 5 stars for you. Thank you for the valuable info and resources. Drop by sometime at Credit Card Rewards - Credit Card Reward Programs - Rewards Credit Card. Cheers, Elisha Posted December 27, 2007 |
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StoptheAbuse
Linda they can contact relatives if they do not know how to reach you. They cannot tell others they are a collection agency all they can do is give the name of their biz if asked. Using threats like you state may be against the law though. Uses the contact lensmaster and I will try to help you. Posted December 27, 2007 |
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driewe
Great Lens, 5 stars Posted December 26, 2007 |
Is it permissible to call relatives and friends in other states to try and collect a debt. My mother got a call from someone asking for me and when she said she didn't know how to reach me he quoted all the relatives he was going to call if she didn't give info.
Posted December 26, 2007
It is not against the law to be in Debt! They want you to think that so they can get their Money. Tell they should have not paid money for a debt that was not theirs to begin with. I hate them all.
Posted December 18, 2007
In my situation the law firms sends a letter stating I owne their client. They just provide the name of a business entity. I never heard of these people before the letter. The attorney that owns the law firm is listed as the owner of the business entiry/plaintiff
Posted December 17, 2007
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Oneconcept22
Nice lens. Very helpful information. I've given you 5! I also have a blog on credit and debt issues. Perhaps we can exchange links. http://improveyourfico.blogspot.com Posted December 14, 2007 |
Recent Credit RElated Lawsuits
Sometimes Consumers Just Have Enough and hold these companies accountable under the law.
The Suits Listed here are generally over the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
You will find the last 100
Fetching RSS feed... please stand byAvoid these debt collectors..
Borrowed from www.budhibbs.com
Mr Hibbs has a large list of collection agencies to avoid. If you are dealing with any of the agencies below be extremely careful.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.
New Text / Write module
1st Credit of America LLC
516 Main Inc
A & L Asset Management LLC
A & P Services
A & T Financial Services Inc
A Division of National Credit Audit Corporation
A M Miller & Associates Inc
A S & Associates Recovery Experts Inc
A Williams & Williams Inc
A&S Collection Associates Inc
A/1 Rapid Recovery Inc
A/R Recovery Inc
A-1 Check Recovery Inc
AAA Collectors Inc
AAA Credit Service Collection Agency Inc
Aargon Agency Inc
Abacus Financial Management Services LP
Abacus Financial Management Services Ltd
Abbott Abrey & Beck Inc
ABC Services
Able 2 Collect LLC
Able Credit Services Inc
Absolute Resolutions Corp
Academy Collection Service Inc
ACB American Inc
ACCB Inc
Accelerated Bureau of Collections Inc
Accelerated Bureau of Collections Inc (Iowa Office)
Accelerated Bureau of Collections Inc (Oklahoma Office)
Accelerated Financial Inc
Accelerated Receivables Solutions (ARS) Inc (fka Credit Bureau of Scottsbluff Inc dba Credit Bureau of Western Nebraska dba Checkfirst)
Accelerated Receivables Solutions Inc
Accelerated Recovery Group, Inc.
Access Credit Management Inc
Acclaim Credit Technologies
Acclaim Financial Services LLC
Accord Credit Company
Account Adjustment Bureau Inc
Account Control Bureau Inc
Account Control Systems Inc.
Account Control Technology Inc
Account Portfolios LLC
Account Portfolios LP
Account Recovery Services
Account Services Collections Inc
Account Solutions Group LLC
Account Solutions Group LLC
Accounts Receivable Consultants Inc
Accounts Receivable Consultants Inc (ARC Inc)
Accounts Receivable Management Inc
Accounts Receivable Management Inc dba New Jersey Accounts Receivable Management Inc
Accounts Receivable Service Corporation (ARSC)
Accounts Receivable Systems Inc
Accounts Research Inc
Accredited Collection Agency Inc
Accredited Collection Services Inc
Accu Chek Inc
Accurate Systems Financial
Accutran Recovery Services Inc
Ace Cash Express Inc
ACS State & Local Solutions Inc d/b/a LDC Collection Systems
ACS Systems Inc
Action Collection Agency Inc
Action Revenue Recovery LLC
Active Credit Services Inc
Adam Carr dba Texas Legal Resolution
Adjustment Bureau Inc
Adler Wallach & Associates Inc dba AWA Collections
ADP Collections Inc
ADS Global International Holdings Inc
Advance Collection Services Inc
Advanced Billing Concepts Inc
Advanced Call Center Technologies LLC
Advanced Credit Control Inc
Advanced Credit Management & Collection Services
Advanced Financial Company LLC
Advanced Financial Company LP
Advanced Receivable Solutions Inc
Advanced Recovery Systems Inc.
Advanced Retail Technologies Inc
Advantage Financial Services Inc
Advocate Inc dba Commercial & Medical Credit Services
AFNI Inc
AFS Automated Financial Solutions LLC
AFS Inc
AGI Receivables Management Company
Aid Associates dba Plaza Associates
Aid Associates Inc dba Plaza Associates
New Link List
- Golden Isles Nissan
- If you are looking for good prices on Nissan Cars and Trucks look no further.
- NetAudioAds - Larry Host trying to Humiliate My Family
- Larry Host the CTO of NetAudioAds has take a personal vendetta against my children and me because he disagrees with information published by my husband on how bad an idea auto played audio advertising is. Mr Host was convicted of a felony in October of 2005 for not paying child support in Michigan a
