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| Advanced Credit Repair - Dealing with Collection Agencies Collection Agencies Dunning you? Are they complying with the FDCPA and or the FCRA? IF they are not, they could be liable for up to $1000.00 to you! This is the forum to educate and protect the rights afforded to you under the FDCPA and the FCRA. Legal aspects of credit restoration will be found in this forum. MEMBERS CAN POST ANONYMOUS QUESTIONS... |
04-24-2007, 04:02 PM
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#1 (permalink)
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Elite Member
Join Date: Oct 2006
Posts: 521
Casino Cash: $413175
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Hunter Warfield
Anyone heard of them? Out of Tampa, FL. 813-283-4500.
Got msg to call about a potential legal matter. YEEE HAW!!
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04-24-2007, 04:03 PM
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#2 (permalink)
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Elite Member
Join Date: Jul 2006
Location: In the land of reality
Posts: 833
Casino Cash: $356890
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congratulations fella! your parents must be very proud.
__________________
About Drivel:
Occupation: De facto mod, slayer of Yahoo posts
Location: The land of reality
Interests: Watching television, movies and Roybean litigate
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04-24-2007, 04:32 PM
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#3 (permalink)
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Administrator
Join Date: May 2006
Location: Okinawa
Posts: 6,986
Casino Cash: $2730500
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Quote:
Originally Posted by neil5623
Anyone heard of them? Out of Tampa, FL. 813-283-4500.
Got msg to call about a potential legal matter. YEEE HAW!!
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Ignor drivel as he is institutionalized. See the bars on his avatar.
Save that message and put it in the vault.
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"Be surprised at what people won't do and not at what they do."
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04-24-2007, 05:16 PM
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#4 (permalink)
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Elite Member
Join Date: Jul 2006
Location: In the land of reality
Posts: 833
Casino Cash: $356890
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Hunter Warfield
So, roybean, why does that message belong in the vault? Point out the violations to us.
__________________
About Drivel:
Occupation: De facto mod, slayer of Yahoo posts
Location: The land of reality
Interests: Watching television, movies and Roybean litigate
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04-24-2007, 05:32 PM
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#5 (permalink)
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Administrator
Join Date: May 2006
Location: Okinawa
Posts: 6,986
Casino Cash: $2730500
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The simple fact that keeping records, documents, voice messages, dates, times, etc are essential in any CA matter. You never know...he may need to prove that the call was made. Never, ever discard any documentation!
BTW...the threat to take action that is not intended or is not legally viable as well.
__________________
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"Be surprised at what people won't do and not at what they do."
Last edited by roybean; 04-24-2007 at 05:34 PM..
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04-24-2007, 05:34 PM
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#6 (permalink)
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Elite Member
Join Date: Jul 2006
Location: In the land of reality
Posts: 833
Casino Cash: $356890
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Quote:
Originally Posted by roybean
The simple fact that keeping records, documents, voice messages, dates, times, etc are essential in any CA matter. You never know...he may need to prove that the call was made. Never, ever discard any documentation!
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Ohhhhhh, I see.
__________________
About Drivel:
Occupation: De facto mod, slayer of Yahoo posts
Location: The land of reality
Interests: Watching television, movies and Roybean litigate
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04-24-2007, 06:08 PM
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#7 (permalink)
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Elite Member
Join Date: Oct 2006
Posts: 521
Casino Cash: $413175
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Well Rat Farts! I already pressed "7" - Sure wished T-Mobile statements showed outside calls to voicemail. Didn't think anything of it since the vile, wicked collections caller said "potential" legal matter.
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05-03-2007, 03:26 PM
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#8 (permalink)
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Elite Member
Join Date: Oct 2006
Posts: 521
Casino Cash: $413175
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Miranda?
Just received their dunning letter. This is for a old business advertising debt. The letter says I have 10 days to send payment or they will resume collection activity. But no "If you dispute..." Is that required on only consumer credit collections?
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05-03-2007, 03:32 PM
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#9 (permalink)
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Elite Member
Join Date: Jul 2006
Posts: 437
Casino Cash: $353450
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Neil, looks like the vault is now broken beyond repair...if it's a business debt, it's not subject to the FDCPA. Are they reporting on your CR (and if so, correctly)?
__________________
Quoted from roybean at IC, "you don't need case law...it is written, so let it be done."
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05-03-2007, 03:35 PM
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#10 (permalink)
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Administrator
Join Date: May 2006
Location: Okinawa
Posts: 6,986
Casino Cash: $2730500
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Quote:
Originally Posted by neil5623
Just received their dunning letter. This is for a old business advertising debt. The letter says I have 10 days to send payment or they will resume collection activity. But no "If you dispute..." Is that required on only consumer credit collections?
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For business debts you'l have to check your state laws. Is it your business debt that you are personally responsible for?
__________________
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"Be surprised at what people won't do and not at what they do."
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05-03-2007, 03:55 PM
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#11 (permalink)
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Elite Member
Join Date: Oct 2006
Posts: 521
Casino Cash: $413175
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I am a sole proprietor, so I incurred it for yellow pages ads. It is not on my report. Sending a DV letter anyway.
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05-03-2007, 07:44 PM
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#12 (permalink)
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Administrator
Join Date: May 2006
Posts: 2,282
Casino Cash: $953450
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Quote:
Originally Posted by neil5623
I am a sole proprietor, so I incurred it for yellow pages ads. It is not on my report. Sending a DV letter anyway.
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It will not do you any good.
__________________
It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation.
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05-03-2007, 08:24 PM
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#13 (permalink)
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HONORED GUEST
Join Date: Jun 2006
Location: West-By-God-Virginia
Posts: 6,503
Casino Cash: $1766125
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Quote:
Originally Posted by neil5623
I am a sole proprietor, so I incurred it for yellow pages ads. It is not on my report. Sending a DV letter anyway.
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What yellow page company?
__________________
Please be advised that I am not an attorney and nothing I post on this forum should be construed as legal advice.
Let's Go Mountaineers!!
Let's Go Drink Some Beers!!
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05-03-2007, 09:08 PM
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#14 (permalink)
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Elite Member
Join Date: Oct 2006
Posts: 521
Casino Cash: $413175
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Quote:
Originally Posted by hannah
What yellow page company?
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YP One |
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05-03-2007, 11:02 PM
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#15 (permalink)
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Administrator
Join Date: May 2006
Posts: 2,282
Casino Cash: $953450
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Did you have a valid contract with the company?
__________________
It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation.
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05-03-2007, 11:33 PM
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#16 (permalink)
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Elite Member
Join Date: Oct 2006
Posts: 521
Casino Cash: $413175
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Quote:
Originally Posted by Enigma
Did you have a valid contract with the company?
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depends - I was pressured into additional services that I really did not want or need. I told them this later after I realized what happened. |
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05-04-2007, 01:21 AM
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#17 (permalink)
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Administrator
Join Date: May 2006
Posts: 2,282
Casino Cash: $953450
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The standards that a businessman or woman are held to are much more than that of a consumer. Meaning a business person is supposed to have some "savvy".
Have you tried to negotiate a settlement with the YP company. Often times they will settle for about 50 cents on the dollar.
Since you are a SP you are in a tight spot. Because all liability falls on you as the person. If they sue, and if they obtain a judgment, your personal assets could be at some risk.
__________________
It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances in | |
