A GIOVE LAW, BUD HIBBS IS A CON-MAN, DEBTOR, LYING TO THE NATION ON DEBTS FOR PERSONAL GAINS RIPOFF HOUSTON TEXAS *Rip-off Report Investigation: Bud Hibbs to be a highly legitimate consumer advocate, offering good sound advice to people who find themselves dealing with rogue debt collectors. this Report is bogus.
Rip-off Report Investigation - EDitor's Comment:
Rip-off Report's independent investigators and staff consider Bud Hibbs to be a highly legitimate consumer advocate, offering good sound advice to people who find themselves dealing with rogue debt collectors who break the law in their collection tactics. Bud Hibbs works every day to help those who have been mistreated by debt collectors who refuse to recognize that debtor's do have legal rights. Mr. Hibbs does good work every day helping abused consumers and debtors. Hibbs is a true consumer advocate offering a much needed service and has many testimonials to this fact to his credit.
One can rarely fully believe everything that one reads in the newspapers or even what is seen on television. Items posted at Rip-off Report come directly from consumers without editing or agendas. There is a certain group of people who have embarked on a campaign to malign and smear all consumer advocates like Bud Hibbs, including Rip-off Report. These postings can be found in message boards all over the Internet and their content will attest to these posters lack of legitimacy. Rip-off Report readers here have skillfully taken matters into their own hands to expose and rebut this poster with an agenda, proving that the system works. Rip-off Report.
Since Rip-off Report does not remove or alter reports, this report will remain here with this disclaimer attached. Bud Hibb's has neither contacted Rip-off Report concerning this report, nor has he solicited this investigation by Rip-off Report. Having been subjected to these same reputation-smearing attacks, Rip-off Report staff feels that this commentary is in order. The Report below is completely bogus.
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AH, BUD HIBBS IS AT IT AGAIN- I RECENTLY REVIEWED YOUR WEBSITE- YES, I AM A SO CALLED "CON-MAN" AS YOU PUT IT OR BETTER KNOWN AS A DEBT COLLECTOR- NOT FOR ANY OF YOUR MENTIONED AGENCIES WORST TO DEAL WITH. WHERE DO I BEGIN? YOU AND THE NATION WILL NOW READ THE TRUTH BEHIND THE INFAMOUS BUD HIBBS IN THIS REPORT
FIRST OF ALL, WHAT THE PUBLIC NEEDS TO UNDERSTAND ABOUT YOU IS THAT YOUR WEBSITE IS EXTREMELY OUT OF DATE AND MISLEADING, OBVIOUSLY AT THE BOTTOM OF YOU GIOVE LAW OFFICE WEBSITE PAGE,http://www.giovelawofficeexposed.com/?via=BudHibbs.com IT SAYS **"THIS SITE IS FOR ENTERTAINMENT PURPOSES ONLY"- WHY IN THE WORLD WOULD YOU WRITE SOMETHING LIKE THAT WHEN YOU SAY THESE COLLECTORS ENGAGE IN "ILLEGAL ACTIVITY AND ARE FUTURE FELONS TAKING YOUR MONEY". THATS ENTERTAINING TO YOU? WHY DONT YOU TELL THEM THE REAL REASON YOU LOVE WRITING ABOUT LENAHAN/GIOVE - COULD IT BE THAT THE ONE PERSON YOU HATE MOST SENT YOU A DOZEN LARGE PIZZA'S THAT DAY 5 YEARS AGO TO YOUR DOOR THAT YOU DIDNT ORDER- AHHH- AND THATS HOW IT ALL STARTED- THAT SAME "STINKY" MAN YOU MENTION ON YOUR WEBSITE- COULD IT BE THAT YOU JUST BULLSHIT THE GENERAL PUBLIC INTO BELIEVING THAT THEY ARE CONMEN- OR IS YOUR "ENTERTAINMENT PURPOSES ONLY" WEBSITE THERE TO SCREW THE SAME PEOPLE THAT LEGALLY ATTEMPTED TO COLLECT A DEBT FROM YOU- IS THAT IT, ARE YOU TRYING TO SETTLE A PERSONAL SCORE WITH THESE "CON-MEN", IS THAT WHAT THIS IS ALL ABOUT--YES, YOUR SCREWING THEM FOR YOUR OWN PERSONAL GAIN.
FOR THE LAST 4 YEARS, YOU HAVE REPEATEDLY SAID THAT THESE CON-MEN, THIEVES, AND DRUG LORDS HAVE BEEN BREAKING THE LAW FOR YEARS AND YOU HAVE PROOF- WELL WHY ARE THEY STILL IN BUSINESS, AND NOT IN JAIL? BUT WAIT, YOU SAID THEY WILL SOON BE THERE. PER FDCPA LAWS, AGENCIES AND LAW OFFICES WILL BE SHUT DOWN FOR ILLEGAL ACTIVITY AND WRONG DOING, NOW AND THEN, SOMEONE BREAKS THE LAW AND THEY ARE DEALT W/H ACCORDINGLY. YOU SEE, UP IN THE NORTH, WE HAVE STRICT LAWS IN NY.... FOR INSTANCE, IN TEXAS, YOU CAN SIGN UP FOR A CHECKING ACCOUNT AND RECEIVE A FREE SHOTGUN- YEP, BUT IN NEW YORK, YOU GET A COOLER, CAUSE GUNS ARE ILLEGAL IN MOST BANKS, THATS HOW OUR OUR LAWS DIFFER FROM YOURS- SO IF THEY ARE BREAKING LAWS AND IT IS KNOWN TO THE PUBLIC THEY ARE, THE STATE WOULD HAVE SHUT THEM DOWN BY NOW, RIGHT? WHY ARE THEY NOT IN JAIL YET, YEP THATS RIGHT, NOT ONE CRIMINAL RECORD ON ONE OF THEM, NOW IF YOU WANT TO TALK ABOUT CIVIL JUDGEMENTS, WELL- TEXAS IS KNOW FOR 3 THINGS, STEER, QUEERS AND DEBTORS-FUNNY HOW YOU BOAST ABOUT THEM NOW PAYING OUT THEIR JUDGEMENTS, COMING FROM A GUY THAT LIVES IN A STATE WHERE YOU CANT GARNISH ANYONES WAGES UNLESS IT IS FOR CHILD SUPPORT. BUT IM SURE THEY WILL EVENTUALLY GO TO JAIL, RIGHT? RIGHT! BECAUSE THE CONSUMER ADVOCATE SAID SO- AND SOMEBODY IN YOUR GOOD OL STATE SAID YOUR THE EXPERT IN THIS SORT OF FIELD- I WANT TO KNOW WHO THE HELL SAID YOU WERE THE EXPERT- AND YOU KNOW LAWS, LAWS THAT SAY YOU CANT GO TO JAIL FOR NOT PAYING YOUR BILLS- SO FAR, THATS THE ONLY THING THE LAW OFFICES MAY BE RESPONSIBLE FOR.
BUT WHAT MY REAL QUESTION IS WHY IN THE WORLD WOULD YOU TELL PEOPLE ITS OK NOT TO PAY YOUR BILLS- BESIDE THE FACT THAT "YOU" LIKE THOSE "CON-MEN" ALSO HAVE JUDGEMENTS SOARING- BUT THATS OK CAUSE YOUR SETTLING YOUR OWN PERSONAL SCORE W/H LENAHAN/GIOVE LAW- AND THE SMALL PERCENATGE OF PEOPLE IN YOUR STATE OF TEXAS THAT ACTUALLY PAY THEIR BILLS- (MY SINCERE APOLOGIES TO THE FEW OF YOU THAT YOU ARE LABLED FROM PEOPLE LIKE THIS-NOT PAYING YOUR BILLS"- WHEN YOU SAY THESE PEOPLE THAT ARE BEING "THREATNED" BY THESES OFFICES, WHAT YOU REALLY MEAN IS WHEN THEY ARE CALLED AND TOLD THEY OWE A DEBT. GUESS WHAT- THEY ARE DEBTORS- AND MOST HAVE EXCUSES BEYOND THE IMAGINATION, LIKE ON DISABILITY FOR EXAMPLE- AND THE ONES THAT ARE ALMOST ALWAYS TAKE OUT THE CREDIT CARD YEARS AFTER THEY HAVE BEEN ON DISABILITY, THEN THEY RACK IT UP IN 2 MONTHS AND DONT PAY IT AGAIN- CAUSE THEY DONT CARE- WELL THERE YOU HAVE IT, DONT s**t WHERE YOU SLEEP, PAY YOUR BILLS - 99% OF THE PEOPLE OUT THERE THAT HAVE LOTS OF DELIQUENT DEBTS ARE PROFESSIONAL DEBTORS- YEP THEY DO IT FOR A LIVING- AND DONT CARE- AND YOU GO AHEAD AND SAY ITS OK NOT TO PAY BILLS-WHICH BY THE WAY SHOULD BE A CRIME RIGHT THERE, THE UNFORTUNATE 1 % THAT HAD BAD,DUMB LUCK AND LOST EVERYTHING, BUT ARE WILLING TO DO ANYTHING NOT TO BE CALLED A DEBTOR ACTUALLY WANT TO PAY- SEE- PEOPLE THAT PAY THEIR BILLS ON TIME ACTUALLY FEEL GOOD ABOUT THEMSELVES. BY THE WAY, FOR THE RECORD, WHEN YOU DO PAY A COLLECTION AGENCY- IT STILL HELPS YOUR CREDIT SCORE- YOUR NOT THROWING YOUR MONEY AWAY IF YOUR CLEANING UP YOUR CREDIT, IF THE DEBT IS SOLD TO AN AGENCY, THE ORGINAL CREDITOR HAS NOTHING TO DO WITH THE ACCOUNT, AFFADAVITS ARE REAL, NOT A SCAM, PROFESSIONAL DEBTORS KNOW TO ASK FOR ORGINAL STATEMENTS FROM THE CREDITIOR SUCH AS ITEMIZED LISTS AND ORGINAL SIGNATURES ON ACCOUNT KNOWING THEY ARE UNOBTAINABLE CAUSE THE DEBT IS USUSALL 4 YEARS OLD OR MORE.
ANOTHER TOPIC I WOULD LOVE TO MENTION IS THAT YOU KEEP SAYING LENAHAN/ GIOVE IS CLOSING ITS DOORS, COME ON, YOU'VE BEEN SAYING THAT FOR 4 YEARS NOW- I SEE THE DOORS OPEN EVERYDAY- HAVNT CLOSED YET- HOW RELIABLE ARE YOUR SOURCES- HOW RELIABLE ARE YOU- NOTHING ON YOUR WEBSITE IS EVEN CLOSE TO ACCURATE- BUD- YOU WOULDNT LAST A MINUTE IN NEW YORK, AND AS I WOULDNT LAST A MINUTE IN TEXAS- I GUESS WERE JUST DIFFERENT PEOPLE IN A SMALL WORLD- HOWEVER- WELL START PAYING OUR JUDGEMENTS AS SOON AS THE STATE OF TEXAS PAYS THEIRS. I KNOW I WILL BE ABLE TO GO TO THE CHEVY DEALER ANY TIME I WANT AND SIGN FOR A NEW CAR- SEE- IF YOUR A GOOD PERSON AND YOU PAY YOUR BILLS AND DONT GET DWI'S- YOU TOO CAN ALSO GET A NEW CAR- WHICH REMINDS ME- I RECENTLY CALLED A DEBTOR IN THE INFAMOUS STATE OF TEXAS- THE DEBTOR CRIED SHE WAS ON DISABILITY- NO MONEY, BLA BLA, SAID NO WAY TO BORROW- I PULLED A CREDIT REPORT- AND LOW AND BEHOLD- THERE WAS A $35,000.00 GMAC AUTO LOAN ALONG WITH THE CITIBANK CREDIT CARD W/H AVAIL BAL OF 10.000$ W/H A CO-AP- I ASKED HER THAT FOR A PERSON OF HER STANDING WITH NO MONEY, AND NO JOB WHY THE HELL DID YOU BUY A CAR FOR $35000.00- AND SHE HUNG UP- I WILL TELL YOU WHY, CAUSE PEOPLES MORALES ARE &($%% UP- YOU HAVE YOURSELF A FINE DAY- ENJOY THE WEATHER DOWN IN GOOD OL TEXAS- I'LL KEEP PAYING MY BILLS AND MAKING A LIVING OFF OF YOU AND YOUR CRONIES.. SINCERELY FRANKIE
Frank
SOMEWHERE, New York
U.S.A.
14 Updates & Rebuttals
DECKAPE
Akron,Ohio,
United States of America
FRANK TOLD A LIE
#15General Comment
Mon, June 27, 2011
Frank , on a previous posting you portrayed yourself as a person seeking information from Bud Hibbs , now you portray yourself as an debt collector defending your proffession from evil debtors and Budd Hibbs. Alot of people are third party contacts that have been harrassed by debt collectors that have used several methods of extortion to steal. You are one of these criminals. Frank , you are right about not being punished. The FTC realized that it's authority was weak , a new department has been formed with broader powers which will enable fines in the millions for collections agencies that ignore the law. And Frank , it also involves prison for gross violators of the law. The garbage that you wrote about Budd Hibbs demonstrates just how desperate you are.
Frank if you are out to ruin Budd Hibbs , please at least pick one lie and stick with it ! Your statements prove you are a liar and the whole Nation knows it because of your postings.
A debt collector follows the law , you are a con-man as you demonstrated by lying with the deception of being a debtor with a previous post. (you failed to disguise your identity)
You insult people of Texas to what point ? I live in Ohio and I'm insulted by your remark about Texans . Rip-Off Report's editors comments really says it all about you Frank. Please continue to put your foot in your mouth.
Chris Rouviere
Bolton,Connecticut,
U.S.A.
Budd Hibbs is an American HERO!
#15Consumer Comment
Sat, January 31, 2009
Let me tell you all something, Bud Hibbs is right in everything he says! I am a victim of these debt collector scum bags. I have received several bogus collectors trying to collect on bogus debts. These people do lie, they do cheat, they do file phony documents and in my opinion, they ARE criminals. Bud Hibb's information has saved me lots of grief not to mention money. There is a reason why the FDCPA was put in place. Too many collector scum bags have abused the system for so long. Bud Hibbs does suggest that you pay your bills, he just doesn't suggest that you pay the bottom feeders that buy up these debts that are mostly phony, out of SOL, or just plain FAKE. I have saved document after document proving that all are bogus, especially the ones that state the collector has "personal knowledge of the debt". This claim is a physical impossibility! Consider this: I have received countless claims against me, each and every one of them FAKE. Somehow, my name appeared on some collector list and they all tried to have a field day with me. I received calls and letters claiming debts owed and credit cards that I never even had. These "collectors" don't care about what I have to say, they only want your money from you.
Consider this: I have disputed every single claim against me and have never paid a single penny on any of them, Why? Because the collectors have no proof that they dare use in court! Even if the debts are legitimate, keep in mind that the original debtor has written off the claim. The collectors will not help you by stating that the debt is paid, it will not help your credit, it will do you no good at all to pay them. If you do, they will come back. Please believe what you are reading here. I am a victim of this collection scam. I can prove everything that I say. The collectors cannot, what does that tell you? Do not pay them. Challenge every document, make them prove what they claim. When you work up the nerve to do this, you will see how quickly they will fold, especially in court. It is pathetic to watch an attorney say, "Your Honor, we have decided to drop the suit against XXXXXXXX. In fact, I have grown to love it. There is even money in it if you counter claim FDCPA violations. DON'T PAY THESE DIRTBAGS!!!!!
Roberto
Dallas,Texas,
U.S.A.
Bud Hibbs is an American Hero
#15UPDATE EX-employee responds
Mon, May 05, 2008
Yes, you are a debt collector and Bud Hibbs was instrumental in getting the Lenahans shut down. The state took away his law license because he was doing everything illegal. His daughter took a two year suspension. Did Hibbs have something to do with it? Very likley! Stop acting like you are angelic, a debt collector from Buffalo is guilty of just about every FDCPA infraction there is, why else would you collect debts in Buffalo.
We need the Bud Hibbs of this world so jerks like you have someone to fear. Go back in your hole, the phone is ringing.
Carl
El Cajon,California,
U.S.A.
What ripoff? abusive tactics by collection agencies and junk debto buyers exist
#15Consumer Comment
Mon, March 27, 2006
Explain to me how Bud Hibbs has ripped you off? It is common knowledge that abusive tactics by collection agencies and junk debto buyers exist. I just complete litigation against Calvalry Portfolio Systems for trying to collect a debt that was barred by the statute of limitations, so I can speak from first hand knowledge after succesfully assisting a client. Exposing illegal activities and assiting consumers is not a ripoff.
Timothy
Valparaiso,Indiana,
U.S.A.
An answer to Sherri's inquiry
#15Consumer Comment
Thu, March 23, 2006
Sherri,
The answer is that debts are freely transferable and that, absent a contract clause stating that only the original creditor will be allowed to recover on the debt, the assumption is that the debt can be sold.
I think the legal basis, at least if you want to look back to old common law, is that the law disfavors restraints on alienation of property.
To put it in non-legalese, most western legal systems have a fundamental presumption that all property can be freely bought, sold, traded, whatever. And, as an entitlement to the proceeds of a debt repayment is considered property, such entitlement is freely transferable unless contracted differently.
I would analogize it to a lease. Like the right to proceeds from debt payment, a lease is also property (in the hands of the tenant). A lanlord leases a residence to a certain tenant. Under the law of most, if not all states, that tenant is free to transfer his lease to virtually anybody else, even over the lanlord's objection. Of course, the BIG exception to that rule is that, where the lease agreement so specifies, this law does not apply, and the tenant cannot transfer the lease without the permission of the lanord.
I tried to make that as un-confusing as possible, hopefully I've succeeded in that regard.
Also, my statements IN NO WAY are meant to endorse or defend the activity of junk debt buyers.
Steve
Bradenton,Florida,
U.S.A.
Clarification for Steven on "Time Barred Debts"...
#15Consumer Suggestion
Thu, March 16, 2006
What planet do you live on?
FCRA allows negative reporting for 7 years from date of first delinquency. [NOT 7.5].
AND the courts throw out cases every day on time barred debts! Each state has a Statute of Limitations for enforcement of debt collection.
The only way you can collect on a time barred debt is to sue and hope the debtor doesnt respond. Then you get the default judgement.
Sherri
Piedmont,California,
U.S.A.
SOMEONE EXPLAIN TO ME ...
#15Consumer Comment
Thu, March 16, 2006
Under what legal theory does a junk debt buyer (or as they prefer to call themselves, "buyers of nonperforming debt porfolios")have to enforce a contractual obligation made with the original creditor? I can see if the original creditor ASSIGNS the debt to a third party collection agency for a percentage on the amount collected. But if a junk debt buyer purchases a debt already charged off and taken as a loss/bad debt write-off by the original creditor, what right does he/she have to collect the full amount of the contract that was purchased for literally pennies? Seems like simple contract law would prevail..the creditor is NOT the junk debt buyer as the consumer had no contractual obligation to them aty any time.
Is that why JDB's prey on people's ignorance and actually stoops to get defaults by "sewer service"?
Steven
San Antonio,Texas,
U.S.A.
time barred debts
#15Consumer Comment
Wed, March 15, 2006
Actually no court of law has yet ruled that accounts that are time barred in court cannot be collected upon. In fact the FCRA allows an account to be reported to the credit bureau for 7.5 years from the date of delinquency even though statutes of limitations in some states are as short as 3 or 4 years.
Steven
San Antonio,Texas,
U.S.A.
time barred debts
#15Consumer Comment
Wed, March 15, 2006
Actually no court of law has yet ruled that accounts that are time barred in court cannot be collected upon. In fact the FCRA allows an account to be reported to the credit bureau for 7.5 years from the date of delinquency even though statutes of limitations in some states are as short as 3 or 4 years.
Steven
San Antonio,Texas,
U.S.A.
time barred debts
#15Consumer Comment
Wed, March 15, 2006
Actually no court of law has yet ruled that accounts that are time barred in court cannot be collected upon. In fact the FCRA allows an account to be reported to the credit bureau for 7.5 years from the date of delinquency even though statutes of limitations in some states are as short as 3 or 4 years.
Steve
Bradenton,Florida,
U.S.A.
For Frank re Bud hibbs
#15Consumer Suggestion
Tue, January 31, 2006
Frank,
I have to stick up for Bud on this one.
People like you break laws every single day you go to work. Just because you break a law doesn't mean you will go to jail or even get fined.
Our legal system sucks and there is only justice for those who can afford it.
The agency you collect for is primarily a junk debt buyer and also collects for other junk debt buyers.
These are primarily time barred debts. Even the attempt to collevt this debt is illegal.
Bud has your # and is right on target.
I have dealt with Bud on several occasions. He is dedicated to what he does, and yes he makes a living at it.
Whats wrong with that.
If you hate Bud,I cant wait till you read the book I am writing!
My book will put all of you scumbag, bottom feeding crackheads out of business.
Enjoy it while it lasts!
Steve
Bradenton,Florida,
U.S.A.
For Frank re Bud hibbs
#15Consumer Suggestion
Tue, January 31, 2006
Frank,
I have to stick up for Bud on this one.
People like you break laws every single day you go to work. Just because you break a law doesn't mean you will go to jail or even get fined.
Our legal system sucks and there is only justice for those who can afford it.
The agency you collect for is primarily a junk debt buyer and also collects for other junk debt buyers.
These are primarily time barred debts. Even the attempt to collevt this debt is illegal.
Bud has your # and is right on target.
I have dealt with Bud on several occasions. He is dedicated to what he does, and yes he makes a living at it.
Whats wrong with that.
If you hate Bud,I cant wait till you read the book I am writing!
My book will put all of you scumbag, bottom feeding crackheads out of business.
Enjoy it while it lasts!
Tom
Buffalo,New York,
U.S.A.
I dont get it?
#15Consumer Comment
Mon, November 28, 2005
You just came on here to shout to the world that you scammed your way out of paying your bill? Than does not make much sence. Congrats on being a deadbeat i guess.
Bob
Silver Spring,Maryland,
U.S.A.
Frank You Are a JOKE !!!
#15Consumer Suggestion
Sun, November 20, 2005
YOUR UNEDUCATED SCUMBAG COLLECTORS TRIED TO COLLECT FROM ME AND THEY GAVE UP! WHY? BECAUSE THEY REALIZED THAT I WILL SUE THEM ALONG WITH YOU!! WHERE IS MR. POMPEY AND MS. ROACHE THESE DAYS? I KNOW THEY QUIT!
WHY DID YOUR PEOPLE GIVE UP FRANKIE? IF THE DEBT WAS REALLY COLLECTABLE THE WOULD NOT HAVE STOPPED! THEY GAVE UP BECAUSE I WAS TO TROUBLESOME TO DEAL WITH. YOU AND YOUR PEOPLE ARE WEAK, WHEN SOMEONE STANDS UP TO YOU, YOU BACK DOWN LIKE A SCARED LITTLE B|TC#. DEFEATING YOUR COLLECTORS IS EASY, ALL ONE HAS TO DO IS ASK THEM IS THEY ARE LISCENSED TO COLLECT IN THE STATE THEY ARE CALLING, IF THEY DO NOT LIVE IN NY THEN THE ANSWER IS, NO! YOU ARE NOT LISCENSED TO DO COLLECTIONS AND THEY SHOULD FILE A SUIT AGAINST YOU! HELL IT'S AN EASY $1000.00 AT THE VERY LEAST FOR VIOLATING THE FDCPA! i HAVE STARTED A BLOG THAT TELLS PEOPLE HOW TO GET BACK AT YOU STEP BY STEP!
Frank YOU AND YOUR ASSOCIATES ARE SCUM AND WE WILL BE MEETING IN COURT SOON, UNLESS YOU DON'T SHOW.
Stay Tuned for updates!