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I thought that i was the only person being harassed by this company, but i see I'm not. They call my job and leave messages on the answering machine telling everyone that my payment is late. If you take time out to talk to them they talk to you like you are nothing. I will never advise anyone to do any dealing with this company. I have never been treated this way in my whole life. After talking to them i have to take some time to just go cool down and get back focused again. There has to be some type of law against the way they share your business with anyone they talk to. I have had them threaten to repose my car several times after just being a few days late. I just don't understand how they are still in business.
The complaint has been investigated and resolved to the customer’s satisfaction.
I know you all know it's against federal law FDCPA for them to divulge Polite226's financial info to third parties like but you are acting like you would not want that revealed to polite.
"There has to be some type of law against the way they share your business with anyone they talk to."
Polite226 Yes they have committed infractions and each is worth $1000 to you if you can prove it. I suggest you obtain all those recordings and consider suing them. Most lawyers will take up your case for free. Their fee will be paid by the offenders. You can also sue per se, it's a simple not complicated process. You have a ripe case, don't waste it. Once you win and collect a couple of $1000 send them back to them to pay off your debt and tell them thanx for ... the money!
CA push you around if they sniff you don't know your rights. So before you engage them to make any arrangement Google these and become an informed consumer.
1-what to do when you are contacted by a collections agency.
2-your rights under federal laws FDCPA and FCRA
3-Validation of debt (VOD), cease and desist (C&D), CMRRR
4-Your state's Statute of Limitations (SOL) on debt.
5-post your questions at debtorboards dot com if things get thick
Now you are ready to engage.
-Never ever accept/agree/acknowledge you owe/own a debt. First request/demand a VOD. Use CMRRR (you can call but not recommended. Be sure to record the call)
-Per federal law a VOD must be the original document with your signature on it, not a CA letterhead stating some amounts owed.
-If your state's SOL is expired on the debt it is noncollectable, you have no more obligation. They can only plead with you to repay. If contacted but you are not interested write a C&D by CMRRR, state SOL is expired and you do not want to be contacted over this debt in any way. You will consider failure to observe that instruction as harassment and you shall seek legal redress against the harassers. CC your state AG, your attorney, FTC, CFPB, etc. all of them.
-If SOL is not expired, debt is verified then negotiate a settlement (aim for less than a third of what's owed, the longer the debt has been outstanding the better for you)
-Next obtain a settlement offer letter (it MUST state "PAYMENT OF $xxxx WILL SETTLE THE DEBT IN FULL). DO NOT submit a payment without it PERIOD! If it's not written it didn't happen!
-If they tell you are you refusing to pay? Say a big fat "YES! No settlement offer letter, no payment, click!"
-Send payment via CMRRR (or signature required), check or Money Order only, no electronic access to your bank account (They will clean you out.)
-Upon completion of the debt payment (per settlement offer letter) obtain a letter stating the debt is settled in full.
-If you get the run around don't worry much hang on to the Settlement Offer Letter, attach it with all your payments proof and keep all those documents for life. They resell your paid off debt and then it's the same collections story all over again from another scammer collector.
OTHER THINGS
-If they call you too much or call family & friends or work C&D them via CMRRR. State that you do not want to be called at home, cell phone, at work or through family & friends and that you allow communication about this debt once a month, etc., by mail or phone (you choose). And that if these instructions are violated you will seek legal redress against them.
-If you talk to a CA ALWAYS write down immediately, who called, where from, said what, why, when, what, i.e. everything. This is acceptable evidence in court.
-If they violate your rights, state or Federal law, sue them. Each violation is worth $1000 to you if you can prove it. Many attorneys will take up your case for free if you have meticulous proof of the violations because the CA will pay their fees. You can also sue pro se - believe it, it's not complicated at all. Just post for guidance at debtorboards.com.
-Lastly I recommend all comm. with CA be in CMRRR form, ALL. If you must talk on the phone record ALL the calls. You may or not tell them you are recording. (They behave if they know you are). Instead use CMRRR it leaves a paper trail evidence against them that can turn into kaching! for you.
@Tasha10
"It is also against federal law to be a low life..."
Elucidate the statute please. Else you are quite resourceful at making wild baseless claims. It's not against the law to be a low life, a bum, stupid, make wild baseless claims nor to talk unless you can improve the silence.
@Tasha10's more wild baseless claims!
"Well then no one learns anything then..."
Who? You are insulting the rest of us who have, or who are.
"this person keeps buying things on credit which she cannot afford, "
Really? So you know about all their previous purchases are indeed on credit, confirmed, and that she could not afford them, confirmed as well?
"...and keeps suing them when they want their money back."
Seriously, keeps suing? you know about prior unworthy lawsuits this person has instituted against CAs? How about pending ones? Dates/ref. would suffice otherwise your invective conjecture is dismissed with the contempt it deserves!
"...when they want their money back."
Now they want their money back, I thought they called when they wanted their payment on time and not late?