Complaint Review: Triad Associates LLC

Daisy was at least respectful by calling you Mr. I would have called you a slug but that would be an insult to slugs. You should sue your parents for not spanking you as a child because you are a hateful, rude, disrespectful, condescending, and obviously suck at life in general.

With that being said you do realize it is considered rude to type in caps. Since you seem to do nothing but hide behind a computer screen and/or phone you would think you would know this. But you stated you don't give out your physical address. I hate to bust your little bubble but you do realize that your physical address is on this site at the top from the original poster that you harrassed. Grey matter...use it..

You are why we have laws .As it seems here you have voilated many many laws. You have called repeatedly to people , you have been rude, insulting, and vulgar at times, you have threatened to file lawsuits, you have failed to verify debts, and you have been verbally abusive. You have broken all the rules. You do admit you buy old debts and try to get people to pay. I almost forgot, you also called a womans work and threatened to sue her. Another no no... You are supposed to maintain a calm , cool, and collected attitude when you are dealing with people. Which we can all see , from your nasty remarks, that you are rude, vulgar, and abusive. I am sure its the same way when your on the phone. I wish I had an old debt so that you could call me and do what you have done to so many people.

 Have you looked up your name? You should seriously google Rob Davis . You have done nothing but harrass people. And I know what comes next, your going to say I don't pay my bills and /or I have bad credit. Sorry to bust you little light bulb but ../gasp my credit is almost perfect and all my bills get paid. I know , I know your thinking what can I attack this person for. Have at it, I would feel insulted if you didn't call me a dead beat, a loser, a criminal, a drag queen, ect ect. I have to say your uneducated responses to people are quite amusing. It reminds me of being in the second grade . That seems to be where your mentality stopped.

I sure hope all these people have kept the recordings of your abusive practices and get a class action lawsuit against you. You may want to tell your mother that living in her basement isn't working out anymore. Watch out for Karma..She is a bad one and she will get you.

Have a fantastic day!!!!

Lmao, want me to post the phone records too of who called who and when? I would if I thought it would help u but I'm not God and I doubt ur abt to be honest anytime soon. Unlike u, I have a real job collecting debt I can prove is owed and don't care to double ck my grammer cuz I'm not getting paid to post my experience with you.

Hahahahahaha but I did get u to say a bunch of things that will be left up to the government to decide how to handle, and you comfirmed I never have to deal with any of u again. For example, you like to referenence the debt collection act, but then say it doesn't apply to you. On the other hand u stopped calling my work so I think u do know what's up but still want to Rant! Have ur say cuz it goes in one ear n out the other ever since the da Y u were rude and disrespectful to me.

I had to leave u a final meassage cuz I almost pissed my pants laughing so hard when you said you won't be wasting your clients money on me. Hummm I would never say that if I can prove my claim; maybe if u ever decide to be ethical you will learn how to get the info u need without violating anyones rights. No worries I got the address I need to send u a letter anyway. I'm just superised that the address for the LLC is an apartment complex. The city of riverside can provide the rest unless u operate without a business liscense.

People we got him to admit they don't provide an address when before he posted they did. Ill let u guys decide who's the liar liar lair! Mr. Davis u need to keep track of ur lies so u can stop contradicting yourself!

Also I never said that I don't get mail at my PO Box. U said u can't serve me cuz u don't have a physical address which I refused to provide to strangers. Now do I live in the same county as my PO Box is for me to know n u to wonder. I guess I'm not that much of a fool since I got all of u to LEAVE in 4 days!

Yay me! Thank you Rippoff Report your site helped me get these Jerks off my back!

"Dude you are so wack"

IT'S WHACK HONEY!

IF YOU DISPUTED ANY ENTRY ON YOUR CREDIT REPORT THERE WOULD BE A FLAG BY THE BUREAU, THAT IS A REQUIREMENT OF THE FEDERAL FAIR CREDIT REPORTING ACT.

NO SUCH FLAG IS ANYWHERE ON YOUR BUREAU....POST YOUR CREDIT REPORT!!!

"ASK questions before making claims about things you clearly have no clue about!"

NO NEED TO, THERE ARE NO FLAGS THERE!!

"How do you think u got my PO box address? LMFAO. I'm not even going to waste my time reading your response because it's all BS, you don't even know the laws govern your business!"
 
THE PO BOX WAS PROVIDED BY MY CLIENT BUT AS YOU TOLD ME "IT'S NOT CORRECT". OF COURSE YOU WON'T READ MY RESPONSE TO YOUR PATHETIC POST BECAUSE YOU HAVE NO IDEA HOW TO DISPUTE A THING I'VE SAID. THE LAWS THAT GOVERN COURT (PROOF OF SERVICE) ETC., ARE WHAT THEY ARE. IT'S NOT BRAIN SURGERY, WELL MAYBE FOR YOU IT IS!

"PROVE TO ME THAT YOU PURCHASED MY DEBT or prove it to a JUDGE. Your rep. called my office telling my employer that I was being sued when it's not even public record yet!

YOU NEED TO LISTEN AND LEARN TO READ! MY COMPANY "DID NOT" PURCHASE ANY DEBT. WHY WOULD YOU BE MORE CONCERNED WITH THE ENTITY WHO NOW OWNS YOUR DEBT THAN YOU WERE STIFFING THE ORIGINAL PERSON WHO MISTAKENLY TRUSTED YOU WITH A CREDIT LINE, TYPICAL!

THE PERSON WHO CALLED YOU IS NOT MY REP, I'M NOT INVOLVED IN WHAT THEY DID OR DIDN'T  TELL YOUR EMPLOYER. STRANGE THOUGH, IT WOULD SEEM TO ME THAT HAVING A LAWSUIT SERVED @ ONE'S JOB WOULD BE MORE CONCERNING THAN A PHONE CALL.

"The call from Mr. Benson was the 1st time I heard of your company because Mr. Charles Benson claimed TRIAD was suing me, but you later said it was WWCM, Inc."

"Please show me law that allows you to do this and that requires I provide a physical address."

CALIFORNIA FAIR DEBT COLLECTIONS PRATICES ACT:

(2) There is need to ensure that debt collectors and debtors exercise their responsibilities to one another with fairness, honesty and due regard for the rights of the other.

1788.21.  (a) In connection with any consumer credit existing or requested to be extended to a person, such person shall within a reasonable time notify the creditor or prospective creditor of any change in such person's name, address, or employment.

THE LAST I HEARD VERY FEW PEOPLE LIVE IN A PO BOX. THE LAW CONCERNS ITSELF WITH DEALING HONESTLY, THAT APPLIES TO DEBTORS TOO! NOTE THAT EACH REQUIREMENT IS NEEDED FOR LITIGATION. NAME, ADDRESS AND EMPLOYMENT. SO PLAY YOUR GAMES THE LAW SPEAKS FOR ITSELF.

SEEMS TO BE COMMON SENSE (DIRTY WORDS I KNOW), IF THE DEBTOR WON'T OFFER EMPLOYMENT WE HAVE TO LOCATE IT OURSELVES!

I DON'T KNOW WHAT THIS "MR. BENSON" SAID BUT HE'S NOT MY EMPLOYEE AND HE WAS MISTAKEN. BUT THEN YOU MUST HAVE KNOWN THAT AS YOU CLAIMED TO HAVE "REVIEWED" LAWSUITS AND KNEW ALL ABOUT THEIR STATUS. IF THAT WERE TRUE, YOU WOULD HAVE KNOW THAT I GAVE YOU THE CORRECT INFORMATION REGARDING THE PARTY WHO WE SUE FOR....BUT YOU DIDN'T BECAUSE YOU LIED!

"Tell everyone why you made contact with me.  Mr. Bensons office was upset with you because I want to file a claim against all of you and he refused to provide his address for me to do so.  Im not in la la la thinking the FTC will investigate my individual claim."

UM.....YOUR MEMORY IS ABOUT AS GOOD AS YOUR GRAMMAR! YOU CALLED MY OFFICE AND RUDELY SPOKE TO ONE OF MY EMPLOYEES. YOU THEN CALLED AND DID THE SAME TO BENSON WHO CALLED ME UPSET ABOUT YOUR RUDENESS TO HIM. I CALLED YOU TO PUT YOU ON NOTICE NOT TO CALL US OR HIM TO WHICH I WAS FORCED TO GET A WHIFF OF YOUR ATTITUDE.

I DON'T KNOW WHAT HIS POLICIES ARE BUT I CAN TELL YOU MINE:

I DO NOT GIVE OUT OUR PHYSICAL ADDRESS BECAUSE OF NUTCASES LIKE YOU WHO MAY OR MAY NOT BE A THREAT TO MY STAFF.

"Im not in la la la thinking the FTC will investigate my individual claim."

DID YOU MEAN LA LA LAND? OH! SO NOW THE FTC'S IN ON THE GRAND CONSPIRACY TOO???!

"You know who I am and for the entire world to see, I give you permission to publish your so called proof of my debt on this site along with the contract that I signed stating that I will pay any amounts above the debt reported as of 12/1/2012. You want to take me on, lets it started publically.  If Im wrong, I will gladly pay you any amounts that you can prove."
 
"Maybe you don't get that a contract can be breached by either party which is what my original creditor did when he failed to investigate my dispute! It was also disputed with all credit reporting agencies. Contact them if you wish to confirm."

YOU HAVE THE PROOF, IT'S ALL OVER YOUR CREDIT REPORT, POST IT HERE! NO, SORRY THERE'S NO DISPUTE FLAG...JUST PUT YOUR REPORT UP! UH OH! THE BUREAUS ARE IN ON IT TOO!

*THE COURTS
*THE PROCESS SERVERS
*TRIAD
*THE CREDIT BUREAUS

ALL CONSPIRING AGAINST THE POOR PUT UPONS WHO CAN'T STAY OUT OF DEBT TROUBLE....BOO h*o!

I got bored listening to your last message, but do want to respond to something said.  I never said I give you permission to post my credit report on this site. Listen to the message then call someone to help you understand my words.

I said for you to do it if you think you are allowed to by law!  OMG where did you go to school? I feel so sorry for you because you clearly think you are never wrong.  You must be Jesus reincarnated. NOT!  

Provide your physical address and I'll send you the disputes that were sent to all parties. Othewise, blah blah blah!

Maybe you did so i'll copy and past your reply then do a search for Riverside.  Maybe you not a liar and I'll find it.

Dude you are so wack that you can't even back up your claims. Finally you got my cell number right! Any unsecured debt on my report has been disputed! ASK questions before making claims about things you clearly have no clue about!

How do you think u got my PO box address? LMFAO. I'm not even going to waste my time reading your response because it's all BS, you don't even know the laws govern your business!

PROVE TO ME THAT YOU PURCHASED MY DEBT or prove it to a JUDGE. Your rep. called my office telling my employer that I was being sued when it's not even public record yet! Do you deny this? Please show me law that allows you to do this and that requires I provide a physical address. The call from Mr. Benson was the 1st time I heard of your company because Mr. Charles Benson claimed TRIAD was suing me, but you later said it was WWCM, Inc.

Who is really playing games?  Its almost like you turn around what you guys are doing and claim the consumers are the shady ones.

Tell everyone why you made contact with me.  Mr. Bensons office was upset with you because I want to file a claim against all of you and he refused to provide his address for me to do so.  Im not in la la la thinking the FTC will investigate my individual claim. 

Thanks again for the funny message. I'll create a video of it, put it on you tube and leave the link on this site for everyone to hear one day you telling me your client is suing me and the next day telling me if they decide to sue me. Make up your mind already. Am I or not going to be sued?

You know who I am and for the entire world to see, I give you permission to publish your so called proof of my debt on this site along with the contract that I signed stating that I will pay any amounts above the debt reported as of 12/1/2012. You want to take me on, lets it started publically.  If Im wrong, I will gladly pay you any amounts that you can prove.

Maybe you don't get that a contract can be breached by either party which is what my original creditor did when he failed to investigate my dispute! It was also disputed with all credit reporting agencies. Contact them if you wish to confirm.

Send me any correspondence you want by certified mail to the address you have on file! This is why you are a JOKE TO ME!

As these posts continue to grow there are now clearly two kinds of people represented:

1. Those who cannot separate the fact that they are border line credit criminals. Running up unsecured debt, failing to comply with both state and federal laws related to consumer credit responsibilities and in some cases, using bankruptcy to wipe away unsecured debt only to turn around and begin to rack up new debt.

There was a time not long ago when a common defense offered up by violent felons was to blame their victims. That by getting the jury to believe that somehow the victim was a participant in their victimization, they were as much to blame as the accused. This type of defense though no longer effective is still in use by those on death row. Trying to find fault with the jurys, judges, law enforcement all the while taking the light off the crimes is unfortunately, common place. This is the pattern seen in the rants of the Daisys and Pinkys.

This type of individual can be found on many of these post (Daisy & Pinky being the most recent examples). They have taken great pride in evading their credit obligations (as evidenced by their credit reports) and smarmy statements. Whatever methods a collection entity employs in resolving an outstanding debt is a different issue than whether or not a debt is owed.

Most offensive is the fact that the Pinkys and Daisys have ZERO knowledge backing the accusations and statements they make. Their rants are fueled by a self serving angst for finally being forced to at least address the debts they have incurred and neglected.

2. Those who while not taking sides, post reasonable, educated and rational opinions. They have the ability to see the difference between collection entities who are unethical and those individuals who run up debt and try to attack those charged with collecting debt using those attacks as a smoke screen to avoid their credit responsibilities.

Now to address Daisy and expose her for what she is:

"These people are a joke.  They can only mess with you if you dont know the law!  Anyone who wants to know how to get them off your back, keep reading".  

Daisy implies that she knows the law....If she doesn't she's a liar so why read further. Let's see what she knows.

"If you review their cases, they only win when people dont show up to court.   However, they file lawsuits left and right and dont actually serve you". 

WE NEVER WIN AS WE DON'T SUE ANYONE, OUR CLIENTS DO. SIMPLY BECAUSE A DEFENDANT DOESEN'T APPEAR DOESN'T  GURANTEE PLAINTIFF WINS. THE COURT STILL REQUIRES PROOF THAT THE CLAIM HAS MERIT, THAT'S THE LAW!
 
 COMMON SENSE WOULD DICTATE THAT IF A CLIENT FILES A LAWSUIT YOU WANT TO SERVE IT!

WHY?

BECAUSE PEOPLE PAY WHEN THEY'RE SERVED. IN FACT THE VAST MAJORITY OF DEBTORS SETTLE BEFORE THE COURT DATE. MOST OF THE REST SETTLE PRIOR TO THE START OF TRIAL BY WORKING WITH THE COURT APPOINTED MEDIATOR AND PLAINTIFF.

WHAT IDOT WOULD BELIVE THAT ANY BUSINESS WANTS TO BE FORCED TO PAY PERSONEL WHO MUST APPEAR AT 50-60 HEARINGS A MONTH???! OBVIOUSLY DAISY HAS NO CONCEPT WHAT EXPENSE THAI WOULD ENTAIL. THE IDEA ISN'T TO SUE IT'S TO SETTLE DEBT!

"They have liars that just tell the court that they do.  If they have to prove the debt, the case gets dismissed, but with time allowed to re-file so that they can get their paperwork to prove their claim".

LIARS WHO TELL THE COURT THEY SERVED??? SO THE PROCESS SERVERS COMMIT FRAUD AND THE COURTS ALLOW IT???? WHATEVER HAPPENDED TO THE FILING OF A PROOF OF SERVICE 10 DAYS BEFORE THE HEARING DATE???

IF THERE IS NO PROOF OF SERVICE THE CASE NEVER GETS FURTHER THAN THE COURT'S CLERK ON THE DAY OF THE HEARING!!!! WHAT PAPERWORK?? TO PROVE WHAT?? JUDGMENT HAS ALREADY BEEN ENTERED AT THE POINT OF WAGE GARNISHMENT WTF ARE YOU TALKING ABOUT???!!!!
IF YOU TRULY REVIEWED THE CASES FILE IN LET'S SAY L.A. COUNTY YOU WOULD SENN THAT VERY FEW CASES WERE DISMISSED.

"Once they have a judgment for default they can garnish your wages.  Since they are so unethical, they may wait until after the appeal period to produce these documents to your employer. This is why they try to reach you at work or confirm your employment". 

OF COURSE WE WAIT UNTIL AFTER THE 30 DAY APPEAL PERIOD, WE CAN'T SERVE A GARNISHMENT PRIOR, IT'S THE LAW! WE VERIFY EMPLOYMENT, OF COURSE WE DO! WE HAVE TO HAVE AN ATTACHABLE ASSET AND WE PREFER TO SERVE AT WORK!

What have we learned??? Well, Daisy has no idea what she's talking about though she claims to know the law. So in order for her to be anything than a lying, ignorant, self serving debt dodger, we would have to be that:

*The process servers commited fraud
*That the Courts knowingly allowed such fraud to take place
*That the Courts contrary to state law, entered judgments without even the basic evidence requirements being met
*That my company is behind this vast conspiracy

Hmmmm....Seems to me it would be easier and more sane to simply believe that Daisy is just another angry, put upon who is trying to keep her record of non debt payment in tact. A little birdy told me that even as I write this she's ready to stiff serveral more credit grantors.

The rest of Daisy's rant is just more B.S. aka "DEBT EVASION FOR DUMMIES". Misquoting and misunderstood statements regarding law with the intent to escape the paying of debt is standard for this type of miscreant so I waste to taking it apart sentence by sentence?  I will throw out 2 challanges to Daisy (funny, Pinky sure went quiet when I asked her to post her credit report), post your credit report and post a single FTC, California Attorney General prosecution or lawsuit filed against my company....We'll all be waiting.

Few errors will post update later.

These people are a joke.  They can only mess with you if you dont know the law!  Anyone who wants to know how to get them off your back, keep reading.  

If you review their cases, they only win when people dont show up to court.   However, they file lawsuits left and right and dont actually serve you.  They have liars that just tell the court that they do.  If they have to prove the debt, the case gets dismissed, but with time allowed to re-file so that they can get their paperwork to prove their claim.

Once they have a judgment for default they can garnish your wages.  Since they are so unethical, they may wait until after the appeal period to produce these documents to your employer. This is why they try to reach you at work or confirm your employment.  

Make sure you speak to your HR department and let them know you dont know what this call is about.  Tell them that you dont want them to verify your employment unless they have written authorization to do so.  Follow up with them to find out if they called and if any personal information was disclosed that led them to believe the call was in regards to an unpaid debt.  They are only allowed to verify your location!

Request the name, fax and address of the person calling you.  Do not provide them with any information; tell them to confirm what they have.  Send them a written letter telling them that your employer does not allow such communication and request they do not call you by phone.  Also you dont have to include a return address, just make sure its sent with a tracking number.  If this debt is really old, it maybe better to pay the IRS the tax for the debt that has been written off by the original creditor.  Remember that the record will stay on your credit report for up to 7 years from the last date of transaction.  So if you paid them in 2008, the file will be removed in 2015.  If you pay them anything in 2013, they have another 7 years to harass you according to federal law! 

A judge will require that they prove you were sent a collection letter and a final demand of their intent to take you to court.  Since the US postal service loses mail all the time, and then yours could have been lost.  This is why I always send notices by certified mail.  If you already gave them your address follow these steps to ensure you are not taken to court or can prove your case.

Note the 1st date of contact.  Request proof of the debt within 30 days from that date, including a signed agreement, receipts that equal to the amount in question and a payment history so that you may match your records with theirs.  Send the letter with a tracking number and ask them to send the requested information with a tracking number as well to ensure receipt within the time allowed by law.  You can request this by phone, but Its best to do this by mail (so you have proof for the court) if they give you the correct address to send the request to.  Triad Associates LLC address can be found by looking them up at http://www.sos.ca.gov/.

The number posted for this company on this site is disconnected, who knows if the suite # is correct and Mr. Rob Davis refused to confirm their address after I asked for it to send them a letter to STOP CALLING ME AT WORK.

Dont expect Mr. Davis to be logical or rational at all.  Also, its best to let him leave you voice messages that you can use against him in court. He cant even tell when phone numbers are different.  He keeps calling me at work insisting that its by cell number.  Ahahahahhahaha hes so arrogant that he actually he thinks hes right which makes his dumb a*s a joke! 

Ms. Pinky I did dispute my debt with the original creditor, but I bet Mr. Davis will insist because all he can do is talk since he cant prove crap.

Mr. Rob Davis, Ill be filing a complaint with the CA general attorneys office and federal trade commission about your unethical methods. 

Remember, to be awarded in court for harassment, you must prove it.  Im not an attorney, but these are the methods that Im required to follow when a customer disputes a debt.

"I am not angry this is laughable, I'm merely here to update what happened":

You're not angry???? A year AFTER court??? Here you are going on again!!!

My guess is you've been hammered yet again by another collection company and your angst has been re-kindled.

"Your "client" showed up with a "representative":

If you can't get even the least important facts straight how can anyone take ANYTHING you say seriously. It was my client's rep and an individual who ASSISTED him.

"He let your big mouth get him into trouble":

I wasn't present.

"As for your " representaive" who was "assisting" your client":

Not "our" rep, he was there to ASSIST my client who as your previously and mockingly noted was limited in his english skills.

"unfortunately you did violate the FDCPA, but alas the judge let it go"

Oh! So now the judge failed to do his duty??? (IS ANYONE STARTING TO GET THE FEELING THAT PINKY IS PATHOLOGICAL?). He threw your claims out because they had ZERO merit....Get HELP!

"The judge threw out your claim and commented on how pathetic it was to sue someone and not have any proof or documentation to prove your case!": 

Wrong, the judge felt that the case has been filed in the wrong juristiction, period. He never heard the case. That's why is was dismissed WITHOUT prejudice.

"It was a Small Claims court! If he had no jurisdiction then how could there have been a court date?":

The trial date is assigned at the time the compalint is filed with the clerk. The clerk doesn't decide venue the judge makes that decision at trial. In this case, the court felt that it didn't have juristiction. LEARN WHAT YOU ARE TALKING ABOUT BEFORE YOU SPEW YOUR IGNORANCE!

"Also the "documentation" you speak of was indeed presented to the Judge, that is why he threw out your case! The point is there was NO proof":

ALL documents must be presented by the parties PRIOR to going before the judge. He didn't see any documents because he refused to consider the case. Your counter suit on the other hand, was thrown out because he didn't buy your B.S.

"The judge NEVER asked for my credit report because it is not allowed as evidence":

THAT'S RIGHT....UNLESS YOU HAD PERMITTED IT, BUT YOU REFUSED BECAUSE YOU KNEW THAT THE DEBT WAS AND IS STANDING UP PROUDLY TELLING THE WORLD THAT YOU STIFFED THE ORIGINAL CREDITOR!

Your ranting about Bills of Sale, waiting periods, etc. are incoherent. Cite the authority that will explain and clarify what you are going on about as you CLEARLY UNABLE TO. WHAT ANY OF THAT HAS TO DO WITH YOU IS BEYOND ME.

"Funny how you have no response as to why your "client" showed up with the "bills of sale", and expected those to be the proof of ownership of the alleged debt owed. You mention my credit report over and over, my credit report is also inadmissable in court":

Simple, idiot, the Bills of Sale is for the purpose of showing the court that the Plaintiff has standing to bring the suit, not for you to worry about. As to your credit report again, it can be presented to the court with the consumer's permission and why?:

Because the information on that report must be current and accurate. If it isn't, one can be denied

*Housing rental/mortgage
*Automobile loan
*Employment

On it is PROOF that you secured the credit line, refused to pay it back and never disputed that fact for the 4 years it was reporting as a bad debt and in part, denying you the above mentioned. OF COURSE YOU WOULDN'T WANT THE COURT TO SEE IT HAD THE TRIAL GONE FORWARD!

"Anyone could go online and grab a credit report and create redacted paperwork":
 
Smell that? That's you talking out your a$$ again. In order to get a credit report, one must be a customer of 1 of the 3 bureaus. When a report is run an inquiry is left. Running reports without an authorized purpose is a violation of the Ferderal Fair Credit Reporting Act.

"FYI.... I am not racist, I am just merely stating a fact":

Another LIE! You are a vindictive racist who thinks they are better than others. This is what you think gives the right to mock them. You think you are attractive, smart and fashionable thus you can comment on those you think are not (NEWS FLASH: I have eye witness testimony that you are none of the aforementioned).

Not once have you denied the validity of this debt, that is of no concern to you but it is to creditors and that's why you can't even rent a car.


YOU HAVE MADE THIS ISSUE OF "PROOF" THE ONLY ISSUE. YOU HAVE MADE IT CLEAR THAT THE DEBT YOU WERE SUED FOR DIDN'T EXIST, THAT YOU'RE BUT A POOR POOR "PUT UPON".....FAIR ENOUGH!

WITH YOUR PERMISSION I WOULD REQUEST THAT YOU POST A COPY OF CREDIT REPORT.

THE READERS NEED TO SEE THE CREDIT ATROCITY THAT YOU ARE.

I am not angry this is laughable because once again you are condescending and have no grasp on what reality is. I am merely here to update what happened. Your "client" showed up with a "representative". He let your big mouth get him into trouble. Did you just pull him out of the air? He didn't even know why he was there. As for your " representaive" who was "assisting" your client, he was reprimanded by the Judge because he was indeed trying to assist in court, which you are NOT allowed to do in Small Claims, he was not allowed to do so. I think that you have it twisted, you are barely skating the line of what you can legally do, unfortunately you did violate the FDCPA, but alas the judge let it go.

The judge threw out your claim and commented on how pathetic it was to sue someone and not have any proof or documentation to prove your case! You indeed work off the malicious methods of intimidation, harassment, and LIES that you tell people to get them to bend to you without having to prove anything. Once again you are twisting the story around, the Judge never said he did not feel he had no jurisdiction to hear this case, are you that dumb? It was a Small Claims court! If he had no jurisdiction then how could there have been a court date?  Also the "documentation" you speak of was indeed presented to the Judge, that is why he threw out your case! The point is there was NO proof. The judge NEVER asked for my credit report because it is not allowed as evidence, since you are so well versed in the laws you should know that! Of course I am not going to confirm or deny, I have the right to do so. As for those Bills of Sale they also prove that you and your client were not following the laws that govern even the gutter rats such as yourself. You as a "collector" have certain waiting periods and protocal which you failed to follow, those Bills of Sale that your "client" brought were suspect even to the judge, and were also questioned by him. Did your "client" tell you that? Oh but you already knew! The dates of "sale" on those also proved that you and your client were not in compliance of the time/waiting periods that are established in order for the consumer to respond to your claims. Anyone could go online and grab a credit report and create redacted paperwork.

You continue to insult the intelligence of those in the world around you. I am merely stating the facts, you and your big mouth got your client into an uncomfortable situation in which he had no bloody idea how to proceed, your "representative" was not helping your client as a translator he was trying to coach him on what to say while in court. Attorney's are not allowed in court but of course your sleazy "representative" turned out to be one! Oh gee, wonder how that happened. Not a model citizen such as yourself, would ever try to pull one over on a judge!

Funny how you have no response as to why your "client" showed up with the "bills of sale", and expected those to be the proof of ownership of the alleged debt owed. You mention my credit report over and over, my credit report is also inadmissable in court!

Also I am not going to apologize for fighting back, I proved my point, your little sleazy group did not have any proof, and you continue to try to use fear and bullying tactics to get money out of people. My finances are none of your business, you are delusional! You continue to act in this way and the law will catch up with you! As for my counter case, it was not thrown out as yours was, I just did not win any money from you and your group of lowlifes.

FYI.... I am not racist, I am just merely stating a fact. Your "client" was not able to say why he was suing, how he came about my information, what communication he had with me etc..... It was like you just pulled him off the street! The judge even commented that he should be more careful of who he has working for him since he obviously had no idea, you sent in someone who did not have a clue!  An attorney may not be allowed but you still tried! You are unethical, dishonest and clearly manipulative, you may be having some luck now but that will run out!

DID I MENTION THAT YOUR "PERSON" THAT WAS ASSISTING YOUR "CLIENT" WAS AN ATTORNEY!? GEE WONDER HOW THAT HAPPENED........

This is amazing rob thinks he can talk down to people.  Rob is nothing more then a internet bully!.

PINKY,

You state in your "P.S." that you would cite which FDCPA violations you are alluding to. Please note them. I will check daily so that I might respond. While you're at it, could you also note what the California Fair Debt Collection Practices Act has to say about consumer obligations and responsibilities to their creditors.

ALSO, I THINK YOU OWE AN APOLOGY TO ALL THOSE WHO DON'T HAVE THE FIRM GRASP OF ENGLISH LIKE YOU HAVE AND WHO THROUGH NOT FAULT OF THEIR OWN, ARE NOT AS FASHION SAVVY!

Well, it's good to see that the responsible credit consumer is still out there, still full of anger and still unable to get credit to by a pack of gum. Why don't you post a copy of your credit report to give the readers a good laugh. As to your memory (yes, memory as it's been a year since court) let's go over what really happened shall we:

*You counter sued my client for violations of the FDCPA. The Judge threw your case out because he found you to be as self serving, abusive and disingenuous as you are on Rip Off Report. I'm suprised that an honest, concerned consumer like you neglected to mention that fact.

*The Court didn't rule against our client, it didn't rule at all as the Judge in this particular Court didn't feel he had juristiction to hear the case. The documents you mention were never presented to the Court but were persented to you in the hall way of the court prior to trial as is required in Small Claims Court.

*I guess it slipped your mind to mention that your credit report clearly shows the debt in question as a bad debt, a reporting NEVER disputed by you. You also failed to mention that when you were asked to give permission to present said credit report to the Judge you refused. What was the problem? Something to hide?

*Bill of Sale issues involve the buyer and seller of debt, not you. Your involvement was refusing to honor your obligation to the original creditor. This fact is clearly stated on your credit report and NEVER disputed by you and is but one of the reasons you'll probably NEVER have credit extended to you.

Lastly, your racist rant regarding my client's representative is pathetic. His limited english skills are not for you to ridicule.

HOW MANY LIES SHOULD ONE GET TO TELL BEFORE THEY ARE A LIAR??? 

I.E......

YOUR CLAIM THAT AN ATTORNEY WAS INVOLVED IN THE PROCEEDINGS IS A LIE AS THE COURT WOULD NOT ALLOW IT. AN ATTORNEY CANNOT PRACTICE IN SMALL CLAIMS COURT!

LIKE OUR CLIENT'S REP YOU ALSO RIDICULE THE ATTIRE OF A PERSON WHO WAS PRESENT TO ASSIST WITH OUR CLIENT'S UNDERSTANDING OF WHAT WAS TAKING PLACE BECAUSE OF HIS LIMITED ENGLISH SKILLS. 

It'S A SHAME THAT YOU'RE NOT AS VERSED AT HONORING YOU FINANCIAL OBLIGATIONS AS YOU AT MAKING FUN OF OTHERS WHO NOT AS....... (LOL) HOT AS YOU!

By the way, all of your threats of siezure of property, wage garnishments, etc...... those are all pipe dreams. I would like to see just how many people are able to collect on judgements made in small claims court in those ways. I also noticied that you were alluding to suing not in small claims but in higher court. Unless it is over $10,000 you cannot, and your proof of ownership over the original "alleged" debt would be considerable. As for your cocky comment about people checking to see where your company was being sued, I have found at least one example. Unlike you I have no delusions over the type of crazy, illegal sleazy measures you and your cohorts would resort to.

You work off of instilling fear into people. Yes there are many people who are not educated in their rights as a consumer. As much as you criticize and judge others, you really dont have alot to back up your points. You are all talk, you speak of legal actions that do not pertaing to Small Claims Court, where you seem to think you are the ruler of the world. If you have ever attended a court hearing you would know that your lack of proof doesn't hold up very well. Furthermore you would need original documentation and bills of sale along with other information from the original creditor to prove your case in a superior court case. These are not criminal courts, you cannot make accusations of theft, embezelment etc, in any court without any proof. Its all about the proof. What proof do have? NONE.

I see where your threats may have gotten you alot further with other people. Not everyone you are harrassing is going to fight back. But when the few of us do, well you have alot of big talk to swallow. You proved to be exactly what I thought you were. To make any of your accusations plausible you would actually have to have proof, evidence, documentation, anything tangible that would support your claims. Any responsible, legitimate company would have no problem submitting the required documentation. You not only failed to do that but you also violated many of the FDCPA codes, you misquoted civil codes, of which I would be more than happy to point out to you. But I am sure you are well aware of exactly which ones you have violated. You have no case! All the person has to do is show up in court and ask for proof that your company can legally collect on this alleged debt! Your proof is crap and we all know it. You are the fraud. You are the liar. You are the scumbag, bottomfeeder. And the proof? You cannot even forge a "proper" bill of sale in which you supposedly bought the victims debt. You cannot even SPELL!!

Dear Rob and BottomFeeders of Triad,

You may have taken me to court, but you LOST. You could not provide any tangible proof that you had any legal claim on any "alleged" debt that had my name attached to it. In fact you sent a guy who couldn't speak english and a scumbag sleazy lawyer. Who the hell wears a corduroy blazer anymore? This is not 1970. Your company had nothing, the only thing you have is your bluffing/ bullying tactics to try to scare consumers into paying for a debt that you do not even have proof of! You "Bill of Sale" was a poor photo-copy and even it had misspelled words! You and your merry band of misfits should really get familiar with the SPELLCHECK button on your computer. It is usually a check mark with ABC above it, in case you are illiterate, in this case, I am convinced you are.

You have no proof, you do not obey the FDCPA or FTC guidelines. You hope that you can scare people into not showing up to court so you can get a "default" judgement without providing any proof of debt owed. When asked for proof what did your company have? Oh thats right....NOTHING! An excel spreadsheet with a bunch of names and "account" numbers, a photocopy of a screen-shot with the victims name and phone number and questionable "bills of sale" of which there were at least 7, all non-legible and all the size of a gas station receipt. You had no original documentation to back up the allegations you were making, no explanation as to how you came to the conclusion that I owed you money. Your harrassment tactics may have worked with others, but you failed miserably with me. 

How can u expect anyone to believe that you don't use abusive methods if u think its okay to make such disrespectful comments on this site?

That was an interesting read "JOE". So if I may, let me address a few of your statements:

* "you are the law merely a servant of the law who is taking advantage of unsophisticated consumers. Luckily these unsophisticated consumers have friends who are judges in the Riverside superior court and San Bernardino superior court".

Um.....So it is your opinion that the folks who incur debt, fail to pay it back and end up sued are idiots? Well, if that's true then the judges who are their "pals" must be at least according to you, idiots too. Because in order for them to enter judgments against those whom you claim to be their "unsophisticated" friends means that either they don't know the law or even worse, don't respect friendship.

* Rob I will take you down, I will get your case dismissed, I will expose you to the court systems how you are unlawfully filing suits".

Though your threat is truly fear inducing, I up my wager to 1,000.00 if you can produce a single complaint with either myself or Triad named as a Plaintiff. I guess the judges who are awarding judgments to our clients should  be in fear of you too. After all, in many cases they disagree with you and obviously that just doesn't go does it? Are they going to be used for "target practice" too?

* "but then right after the FTC will be contacting you for unfair business practices and false misrepresentation, soon after the California State Bar gets a complaint, and then followed by a federal lawsuit for the FDCPA violations which we have recorded, $1500 per violation at 10 violations (this is more than the debt that is owed). Thank you for being my "target practice".

Unfair business practices? You forgot an example.

False misrepresentations? We told you you would be sued and you were.

As to the debt, you proudly admit to owing it in this very tirade (this is more than the debt that is owed).

State Bar complaint? They govern lawyers, we are not a law firm

FDCPA violations? Again, you forgot an example

As to target practice? Poor angry debtor, life in shambles, probable legal issues, etc., typical, has to find something or someone to blame for the failure your life is, was and always will be. A word of advice, be careful the words you choose, in times like these "target practice" could be misconstrued.

A sophisticate such as yourself should know that!

Rob I will take you down, I will get your case dismissed, I will expose you to the court systems how you are unlawfully filing suits. I want my $500, you are the law merely a servant of the law who is taking advantage of unsophisticated consumers. Luckily these unsophisticated consumers have friends who are judges in the Riverside superior court and San Bernardino superior court.  After the case is dismissed I will be contact you for my $500, but then right after the FTC will be contacting you for unfair business practices and false misrepresentation, soon after the California State Bar gets a complaint, and then followed by a federal lawsuit for the FDCPA violations which we have recorded, $1500 per violation at 10 violations (this is more than the debt that is owed). Thank you for being my "target practice".

I really despise the media right know & hate them more then ever.  The media is so "Prejudiced" against the "White" people.  White people get the "Harshest" punishment in this country if they kill a black person.  While blacks only get a slap on the wrist or no punishment at all.

BTW Bobby Brown is a bum & a abuser.

Don't even like the word but you brought all this on yourself by all your postings and ignorance with the one of your posts about the young man who was shot in Florida!!  You post about how "blacks" get more justice than whites! Really?? Guess you need to look at statistics - in my last SW class I had to write an essay about the same thing.  Seems the line in the MY State of men on death row is about even between blacks and whites.

Get an education and get a job - no one in this world is preventing you from both but yourself.   Get off your pity pot and get moving!

Im forced to put up with stacy agais.nt my will. I shouldnt have to put up with her, ill post comments where I please. Nobody should be subject to this abuse.

You make me blush! Thanks - just trying to tell the truth but Chruikes, Carhes does not understand that NO ONE cares about him or his life.  I for one do not PROTECT bad business I just root out BS.  In fact I am planning to work for the VA when I finish my SW degree.  So keep up the good work my friend!

The jerks on this site stop me from getting justice or revenge.  I would like to do back to people what has been done to me.

I'm just not going to give up & die. No matter how much people make my life hard.

You are such a drama queen - the only person who causes you grief is yourself.  Your ego outweighs your knowledge of real life.

I don't like being blamed for things i have not done.  I will not! accept responsibilities for things i have not done.

Stacy & all the other moron site regular are the ones who cause all the chaos.

I don't care what you or anyone else thinks or says.

Hey, Donkey-boy, you know perfectly well that NO ONE who posts regularly on here lives in Phenix City.  So why don't you tell us all a few things, Sharles - How on Earth are we capable of "ruining you pathetic life" ?????  

How could we possibly stop you from getting off your lazy butt and get a job ???  How can we keep the Phenix City Police from locking you up ??   How do we stop you from paying your bills ??  How do we cause you to be thrown out of places of business ??  How can we stop you from throwing tantrums all over Alabama and Georgia ??  How are we responsible for your lying and whining ??  How are we responsible for you being a blatant racist ??  How are we responsible for you getting thrown out of High School ?? How are we responsible for the illiterate gibberish you post ??  How are we responsible for you trying to place the blame for all of your nonsense on others.  

No, Sharles, you little Donkey-boy, only YOU are responsible for all of these things, including many, many more that I could list, which are derived from YOUR OWN posts.  Try acting like an adult ( good grief, you HAVE to be over 30 years old by now ) and start contributing to society instead of taking from it. Stop causing problems every place you go. Stop lying and whining and blaming others. Take responsibility for your sorry self. And stay out of jail,  you little Donkey-boy !!

Charles, I mean chuckie, chuckles has highjacked yet another thread.  Sigh - I think there must be a computer program responding to all my favorite people who unlike Charles the donkey boy, actually live in the "real" world and are my hero's - Robert, Lorenenz, Diogenes, Voice of Reason, Steve, and Stacey.  All who have weighed in on the important stuff among hundreds of posts and made sense out of the chaos who are Charls and other idiots who don't have 2 brain cells to rub together.  Charls - learn from Steve the MASTER at what it really means to leverage LLCs and the law in your favor.  If you don''t have the d*** brains  to do this then just get a f****** job or better yet off yourself - the  World will be a better place for it.

You cant destroy my life so get the hell over it. Like how people tell me to get over it and how I will never get justice.

Ole chrylius, sharles is in Medicaid because he does not qualify for Medicare yet - therefore we the taxpayers are paying to support his lazy a*s!! This is our future??  I think I need to start some sort of stem cell therapy to stay young enough to make sure he does not procreate.

Again why should i care what you or anyone else thinks.

ROFLMAO !!!!!   That is so TRUE !!!   Every person who visits this site knows that Charles is indeed an illiterate lying little Donkey-boy !   

Chuckles claims to "expose" businesses and rude people, but in reality the only things he exposes are his own lies, his unbridled stupidity and his constant whining.  NO ONE who has ever read any of his inane gibberish believes a word he types.  There have been rebuttals from just too many people who know him and have witnessed his stupidity and tantrums in person to give any credence at all to his posts.  In my opinion, Chuckles is not just a run-of-the-mill Donkey-boy, he is undoubtedly the KING of the Donkey-boys !!!

Yes, Southern Chemical, YOU have hit the nail on the head once again.  The last we heard ( from Chuckles, of course ) was that Chuckie's scamming mother couldn't get a job, either.  That's because she tried to scam her last employer by faking a fall and claiming disability.  Of course she wasn't smart enough to pull it off ( just like her other scams that Chuckie admitted to on here ).  Now she's SOL.  And, according to Chuckie's own posts, they are both living off Welfare now. 

Poor Chuckles.  He's too stupid to realize that his posts, his lies and his illiterate gibberish all come back to haunt him.  Yes, he is indeed the Donkey-boy that everyone thinks he is.

You have never held a job (by your own admission), and are currently unemployed (by your own admission), and have mental illness (by your own admission).

You have clearly stated all of the above on more than one occasion.

So, does your Mommy support you? (that's welfare).

Who pays for your health care and meds for your mania? That would be Medicare, right??

How about some sort of SSI? You have mentioned that before, and guess what? That's welfare.

WHO SUPPORTS YOU???? You have admitted that you cannot get work, and you never pay your bills.

Really? Not on welfare??

Right.

Let me point this out to you & set the record straight.  I'm not on welfare,  & let me ask you see why do you have the right to judge me.

Charles,

You are exactly right! You should live like everyone else!

What that means is GET A JOB, get off welfare.

Move away from your Mommy.

Take your meds to keep your mania under control.

You really need to lose the persecution complex.

Nobody is after you.

Nobody cares how you live.

That's all up to you as an adult.

Make your own choices, but please stop blaming everyone else for your failures.

Man up and just be a man!

Take responsibility for yourself!

Once you do this, you won't care what anyone else thinks about you!

I should be living a life like everybody else is.  But that has been taken from me because people don't want me to have a life job or anything,  they just want to make life hard for me as they can.

Thank god that guy wasn't a white guy who shot that black guy.

I believe they rather just see me die.  I believe that is down right cruel & mean spirited.  They defend & protect bad business.  I just don't know why everyone gives me such a hard time.

Oh, I'm sure that Chuckie-the-Donkey-boy will come back with more of his illiterate whining, lying gibberish, but I seriously doubt that he will "Take Note" of anything.  I've never seen him answer ANY questions posed to him, no matter the subject.  In fact, after going back through his postings over the past 10 years or so, I have found that he usually states one fact in a post, and then a contradictory fact in his next post.  And when called upon to clarify the disparity, he comes up with yet a THIRD contradictory response. It appears that the little ignoramus can't keep his lies straight.  As my friend Bugs Bunny would say "What an Ultra-maroon" !

I also notice that the Donkey-boy hasn't posted in a while.  He must REALLY be enjoying his stay at the County Jail this week.  HEE-HAW !!!

Tell me something, Chuckles.  Just HOW are you able to respond to the things said in the rebuttals if you don't read them, as you claim ???????  That would be quite impossible, wouldn't it ???  Not only are you a d*mn liar, but you're very, very stupid as well; but then, you know all of that, don't you ?? 

That's right, Chuckles, you have just proven BOTH of those facts to everyone who reads your unintelligible drivel, and you can't LIE your way out of it this time.  This is written PROOF of both your LIES and your STUPIDITY.

Now please feel free to come back and post your usual lying, whining gibberish complaining about how the people on here hate you and are ruining your miserable little life......just like the broken record that you are, you lying, ignorant, illiterate, smelly little Donkey-boy.

It doesn't bother me what people think.  I don't read their responses anymore.  Once a jerk always a jerk,  but people don't have to take their abuse like i don't.  So get used to it.

As Lorenzen has stated, Charlie, you admitted, YES YOU ADMITTED in one of your previous post that you receive a government "handout" each month because you are MENTALLY ILL.  That's right, Chuckles, YOU admitted it. No one accused you, you just out and out admitted the fact in an effort to whine and seek pity for your own stupid acts.  

Now I ask the same question - Were you lying THEN, or are you lying NOW, and do you even have the common sense to know which it is, you insipid little Donkey-boy ???

You will just get mad & reply with a hateful response,  because i pointed out how wrong you are.

The only person causing you "mental distress" is YOU.  And you ADMITTED to being "mentally ill" in a previous post.  Were you lying THEN or are you lying NOW ???  You can't have it both ways, Donkey-boy.

How typical for people to call me "Mentally ill".  How typical.

People refuse to leave me alone.  Then they say i'm crazy after saying mean & cruel things to me.  Everybody wants to ruin my life then they tell me i'm "Mentally Insane".  I'm tired of people "LYING" about me.

Here we go again,  this crap never ends.

Anyone in favor of genetic screening of the fetus should use Charles as a poster child.



That argument would get through the legislature with a unanimous vote.



Charles is obviously an extremely mentally disturbed person, and I cannot figure out why he is not in an institution, in the name of public safety.



This is a guy that would walk in to a crowded public place with an assault rifle without any problem. It's not a matter of if, it is a matter of when. He WILL go "postal". It's just a matter of time.



The public has been warned.

Get off your pity pot Chreilese, Charlseos and get a live!! I am in no way to blame for your actions so grow some balls you pathetic waste of air! As for being a bully well that is just laughable.  Your sense of the world is indeed warped.

I would like to know why people think i don't have the right to live.

Chuckles, you apparently live in some sort of a distored dream world where intelligence is evil and stupidity reigns supreme.  If that is indeed the case, then you are evidently the king of your world, as you are the most ignorant lying cretin ever to post on this site, and you know it.  Why you are not locked up in some institution somewhere is beyond me.  I also cannot figure out why some nice person in Phenix City has not beaten the living crap out of you for one of the many stupid stunts you have admitted to pulling......or have they ?? 

Well, I'm sure you'll ponder all of these things on your weekly visit to the County Jail this weekend.  Do they have a special "stall" for you there, Donkey-boy ?

Stacy & all the others are low life scum people.  Stacy is a bully who is against fairness and justice i have never done nothing to anyone on this site and they know it but i'm every one target because they protect bad businesses.

OK - and so totally off the subject since you mentioned bad_ss   Just (can't believe this) just saw the movie Warrior this weekend on FioS TV.  Tom Hardy is a bad_ss just look at the pic.  Would LOVE to hit this so many times  - - - - - - sorry am having a total girl moment here.

Yep - you have it right.  Stacey knows what she is talking about.  Steve has schooled me on a few things - and trust me that's not easy to do.  And Robert is always the informed voice of reason.  The magic Triad at it again.  Steve has turned me onto LLC's and sh_t I might have to send him a check for the $$$ he may save me.   Hero bad asses every one of them.

 Steve, Robert and Stacey always knows best. Must be a threesome.

Cool - let me know when the book is ready.  Only concern I have is making enough $$$.  I've become accustomed to a certain standard of living in Texas funded by a salary which runs from $250K on an average year to $500K once every so many years when sales are good.

Hey Stacey - remember the US Secret Service ROR report # 839289 post # 14 on that thread where I referenced  ROR report # 737158 regarding a certain bug persons suspicious report of fraud against ECMC?  Well, just an FYI - ECMC is the national guaranty agency, a national student loan bankruptcy servicer, and a contractor for the U.S. Department of Education.  And surprise the original report # 737159 has now changed completely.  The original complaint has been removed and re-authored and it looks like our bug lady author has included a new pic of her immigrant wedding to her US husband.  Also, all the associated posts/comments that were made on the original report are gone.  Several of course still show up under post #14 on report # 839289.   I didnt think ROR allowed changes to original posts and removal of subsequent comments but I am assuming that ECMC served some sort of subpoena to bug lady and ROR and an agreement was reached between ROR, ECMC, and the original poster bug lady to make the change.   Will be interesting to see how long the fraudulent post about the US Secret Service under report # 839289 will remain in place.  As I predicted I think she bought herself a whole lot of trouble. I will print/snapshot report # 839289 to PDF for posterity sake.  

Tagurit....First a thanks for actually going back and reading prior history of posts here on ROR.

Now, to answer your questions.

First, regarding the $170k in debt. Yes, this was all unsecured debt. I had every single credit card that was available being every gas card, every store card, every major credit card and multiples of each major. Sounds like alot, but during those years being 1995 to 2000, I was most likely making more than the President of the United States! keeping in mind that this was in Las Vegas, I was working in the adult entertainment industry and the transportation industry. Combine those two things and use your own imagination! Enough on that.

Second, understand that big business and our government are one and the same. Until people realize this, they will never change their situation, or the overall economic situation in the USA today. Lets face it, the ultra rich, in most cases pay no taxes, and those who do pay are paying at a 10% rate or less, in addition, our poor pay no taxes at all. That leaves the "middle class" to support the nations tax base. This simply doesn't work as is evident by our current situation.

I simply decided not to be bent over any more. Ever since then I changed the way I think and the way I do things.

As an individual, I do not exist anymore. I formed an LLC and everything I do is tax deductible, and I have no personal income. Totally legal, and exactly what the rich do to avoid paying taxes.

I urge everyone reading this to do the same and pull out of the system. Don't be a pawn to big business and political corruption. Live by your own rules

After all, why can a big bank or credit card company change the rates and terms of your existing contract, but you as the consumer cannot? Did you ever think about that? They rope you in, trap you, and then bend you over as they see fit, to further trap you in their web of corruption and greed.

My advice to everyone working week after week and getting nowhere:

1. If you are working a job that you cannot live on, just call in sick alot and get fired and open your unemployment claim. File for food stamps and any available welfare/medical assistance programs available. Start some sort of side business for cash, and stash as much as you can. Ride out these benefits as long as you can and save as much as you can, then form an LLC and lose your personal identity. Never pay taxes again. Just like the rich.

2. While doing the above, just stop paying all debts. Turn off any existing phones, disconnect any existing emails, and do not forward any mail, but do individual address changes to only the things you need to keep going, and use a PRIVATE mailbox service, that looks like a street address. Use this address to form your LLC.

Most creditors will chase you for awhile and then give up and charge off the balance and sell it to a third paty collector/junk debt buyer. You have 2 choices here. Just prior to charge off creditors are usually willing to deal. Name your terms and get it in writing. Bend THEM over and give THEM the same "take it or leave it" attitude they give every customer every day. Be sure to tell them that if they do not accept your offer, you WILL be filing BANKRUPTCY and they then get NOTHING.

Bottom line. Maintain absolute control, and make them an offer they can't refuse!

Take control of your own life. Do not live by the rules of the rich and corrupt. Time to bring down the ultra corrupt system we now have in place. Needs to crumble to the ground and get rebuily...on OUR terms...NOT those of the rich.

Even if you do get caught up to and sued, they can only take a fraction of what you were paying, like here in Florida, all garnishments together cannot exceed 25% of your expendable income.

And, don't worry about car insurance raising your rates because of bad credit. There are insurance companies out there who do not use credit scores for car insurance underwriting. I know this because I have found 3 of them. No problem.

Same goes for landlords and employers, etc.

Don't be held hostage by the "system".

Make your own "system" and make THEM live by YOUR rules.

It really isn't that hard.

I am getting ready to write a book on breaking the system as we know it.

Crash and burn baby!!

Steve, have to say I'm fast changing my opinion of you.  I did look you up in other posts where you've been providing helpful advice to those getting screwed by debt collectors and I like your approach.   I agree the banks are charging outrageous fees.  My favorite was one where I had a credit card with them for 12 years.  My interest rate went from 6.99% to 29.99% overnight.  Never late never did anything to "trigger" the preposterous fees they were now charging.  You know the bank I'm talking about - decided to raise the rates of everyone they could just under the congressional limit that was recently set at 30% - all because the greedy bankers decided to engage in risky sub-prime mortgage lending and risky speculation.   I just love the call I had with them when I complained about the rate hike (not that it mattered that much as I rarely carried a balance).  Still, they basically told me to screw myself.  So, I closed the card since I didn't really need it anyway and 6 months later opened a new one with them at a 0% interest rate for 18 months.  I've run up a nice balance on this one which I will pay off before the 18 months is over and then I'll close that account.  In the meantime I'm enjoying investing that cash elsewhere so that I reap the benefits instead of them.   I mean seriously these guys are so stupid.  Screw over the current good customer and then in turn only to get themselves screwed over by a new customer.   Unbelievable

I do think I'll just have to respectfully disagree on the one point of attempting to settle certain debts with provision they reported as paid in good standing on your credit report - only becuase I (as do other) still need good credit for employment, lower insurance rates, and low mortgage rates.  Also since I'm in a high paying position with certain security requirements my employer does a regular check of my credit files -  a condition of continued employment so I have to take care of business so to speak and can't afford even a blip on the credit record.  

I still remain genuinely curious about one or two things though.  You may choose to answer or not.  But, how in the world did you end up with close to $170,000 in unsecured debt (assuming it was unsecured)?  And, did you ever end up in a cash only type of job that paid well?   I am thinking about my plans for retirement when I really won't care about my credit score.   Not to mention that I'm not a fan of Uncle Sam and his past history of taking about 42% of every dollar I earn.  I've already paid an ungodly amount in Federal taxes and I'm not even 50 years old. 

RE: Moose.  He is (from posts he has made previously) 62 retired lawyer - corporate contracts/IP as best as I can tell.   But like most in his age bracket and profession I suspect he holds to a more old fashioned and stricter sense of what he considers right/wrong conduct.  He seems to be a prett good guy just probably views your approach as skirting the law - so likely as a former lawyer he finds it offensive.  He's also made a comment RE me being a bit arrogant regarding my salary which I didn't really care about.  

Also, BTW - I think Mary is Charles in disguise/drag looking for another way to beat the system - the writing sounds like him.  No sense in responding to him since he is a troll.

First to Mary,

Unfortunately being the sole provider for 2 children limits your choices as far as getting away without a trace. That would be very difficult, if not impossible.

To Moose,

You are in no position to judge me at all. You don't know me, you don't employ me, and certainly don't support me, so I could really care less what you think.

You are simply too lazy to go back and read what I gave reference to so you could understand the circumstances.

In any case, I was given a "take it or leave it" attitude by some big banks and decided to leave it. After all, don't give someone 2 choices unless you are fully willing for them to choose either one. They got greedy and arrogant with me, and THEY lost. That's right, the little guy pulled the pants down around the ankles of big business and beat them with their own arrogance.

FYI...I had spotless credit for over 14 years straight prior to doing that. My scores ranged from 735 to 790 even with carrying such a high debt load. It may seem like alot of money to a kiddie living with Mommy, but I was making in excess of 20k per month most of the time. bad months were $8k-10k.

I left with all of my personal needs paid up, a new truck that I put 50% down on and $45k in CASH.

I then left Las Vegas and never looked back.

Tossed my phone out the window at the Hoover Dam, didn't forward my mail or do any address changes on bills. Took a mailbox at a UPS store in TX which made everyone think I was living there. TX is a no wage garnishment state, so they wouldn't even try anything.

What brought this on was bank greed, at that time banks were hiking interest rates on all accounts no matter who you were or what your credit was. Although spotless, and not even close to the max, my rates all doubled, and that made no sense as they would never get paid off at that rate. I called each one and got the same take it or leave it attitude from each one.

So, I left it!!

History.

Obviously I'm not alone with the greed and arrogance experience with banks. Look at the "mortgage crisis" that we are STILL paying for!! That was actually nothing more than a greed and stupidity crisis.

I'm just glad that I'll never pay taxes again!

I just did what the rich do all the time. Nothing more.

Well Steve you certainly pulled Joe apart by the seams I think he sploded ;-) Can you help me clarify a

few more details however?  In recap the sections I'm questioning for further clarification.

Per the FDCPA once they have received the letter they cannot contact the debtor again EXCEPT as noted in Section 805 (c.2 and c.3) as noted below.  While your comment does accurately cover #1 it does not appear to  address #2 and #3 highlighted below. It seems the devil here is in the details so I'm sure you would agree everyone should read the FDCPA in full and ensure they understand it and how to leverage it before taking the word of some unknown person posting on the internet be it you or me. Steve, I now Im splitting hairs here but since you are so keen on being accurate then surely you cant fault me for wanting to be well - accurate.

From the FDCPA Section 805

(c) CEASING COMMUNICATION.

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

(1) to advise the consumer that the debt collectors further efforts are being terminated;

(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or 7 805 15 USC 1692c

(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Steve: It all depends on the amountof the debt[common sense] and, many people can actually live without credit. The Mexicans do it! It is a CHOICE. I'm not encouraging anyone to be a deadbeat. I am simply telling them how to beat the bottomfeeder, IF that is the only choice they have left. Stupid.

Me:  I agree with you that the amount of the debt CAN be a decision factor but should not be the only decision factor. A smaller amount is of course much easier to negotiate a settlement (with the original creditor of course) and to also negotiate getting it off your credit bureau.  However you're not entirely correct on one point - getting debt either before or after the SOL off your credit bureau file is in fact possible Ive seen it done by others and even on larger amounts.  Seems it is at least worth investigation and/or a try dont you think?  At least before taking the more drastic actions you recommend at the bottom of your post.

Getting back to accuracy here - the Mexicans as you you call them, live without credit because they are here illegally and they dont have valid SSNs, and becAause they dont want to come to the attention of the Feds.   NOT because it is a choice.  But, you do bring up very interesting point.  They also dont spend what they dont have perhaps there is a lesson to be learned here regarding self control.  Oh wait - thats not right either since they DO spend what they dont have regular employed Americans taxes.  Thats right, they spend MY taxes on their healthcare, schooling, etc.  And lets face it I just LOVE paying for them and any deadbeat that CAN work for a living but chooses not to or chooses to dodge paying taxes.  Hey if someone is gainfully employed and working hard and simply doesnt make much because they legitimately lack the ability, opportunity, or skills, then Im happy to see a portion of m taxes go to help them out.  I am not OK however with my taxes going to people who deliberately dodge the system or deliberately take advantage.  Sorry for my rant on this but Im sure you can understand.

I am however, glad you stated one thing dodging the debt is a last resort option.  I am curious as to how this was a last resort for you personally since you said you walked away from $170,000 by your own admission.  Why?  Seriously inquiring minds want to know was it a job situation, catastrophic health situation please tell us - we ARE in fact very interested in this.  Also, are you working at a cash only job now?   Are you able to afford a house and a car - any insight into type of house, car, cash salary, etc.   I'm not trying to get into a pissing match on whether you can afford an expensive house and/or car, etc.   It's just that if this is a recommendation you're making and youve done this before, then this kind of information would provide a solid baseline to everyone else on the results of taking your advice.  Right?

Thanks

Hi Steve u have done the work for cash and basically dissapear thing before right.  I am wondering if u can provide me with some advice. Just so u know Mary is not my real name - which I cannot use for obvious reasons. I am mid 40s with 2 kids I have to support and attempting to get as far away as I can from my ex who is abusive. he is not the father.  Thire father passed away with cancer 8 yrs ago).  My ex has conection into all sort of investigation agencies making it very hard to get away.  I've gone to the police numerous times for order of protection, he violates them, he goes to jail, he gets out, it starts all over again. They can't seem to do anything unless he really hurts me.  No one understands what this does to mentally and now it impacts me at work and what it does to my children. I would like to find a way to work for cash only and not have to rely on credit and other things he can do to trace me down.  Since I have two kids to support I need to make good money - health insurance also. Is this even possible.  Any advice on working for cash and basically disapearing.

Thank you. 

Joe, Steve is correct in stating it is the FDCPA not the FDCRA. 

by the time someone's account gets in the hands of a third party collector, it is already more than 6 months in default, usually 7-9 months. The damage to the credit is already done EVEN if the debtor pays it off in full

Not necessarily.  The damage may be done but it can also be undone.  This happened to my daughter when she got in over her head on her credit card.  An agreement was reached with the creditor to

pay a negotiated settlement and in return they would report the account paid as agreed and closed no negative information on the credit report.  Where I will agree with Steve, is that you need to deal with the original creditor on this not a third party collections agency.  This is critical as it is the only way to ensure it gets reported accurately to the credit bureaus.  

"Banks throwing credit at people they know can never repay is no different in reality from throwing food to a starving person or a lifeboat to a drowning one. Just common sense here. It is human nature to survive by any means, and also human nature to take the path of least resistance."

I myself am no fan of the banks (in fact I call CitiBank Sh_ttyBank) but that is no excuse for lack of control or self discipline a problem I can only assume you have by your response.  The mark of a real man is to not take the path of least resistance but to do the right and honorable thing.  While one indeed needs food to survive you don't need that expensive flatscreen TV and new watch.  The stench of self entitlement in your post is truly breathtaking.

I actually know what I am talking about as I walked away fro 32 creditors for $170,000 just after 9/11

Im sure you do Steve, you are clearly and impressively knowledgeable about all the loopholes and how to use them to dodge your obligations. Your parents must be so proud. And while I'm sure you don't care about my opinion I'll offer it anyway - I'm not impressed.  Someone who walks away from their financial obligations and then brags about it is in my opinion nothing more than an arrogant deadbeat.  On this one point Im going to agree with Joe. 

Dear Mrs M.

I absolutely agree with you on the collectors who call the wrong person and or wrong #.  It is BEYOND annoying - particularily if they do it again and again.  And, I've little patience for those who insist I am the debtor even when my name and sex are different.   I've had it happen on 5 different occasions for 5 different people and only 1 of the 5 gave me any problem in believing I was not the person they were looking for.  And, I agree with not giving your SSN out over the phone - very smart.

Couple of things I do - if I don't recognize the number calling I answer phone saying "Hi this is firstname how may I help you".  This usually stuns a few of them into thinking hey - MAYBE I have the wrong person.   I tell them "yes I understand you're trying to colllect I hope you find that person I really do I hate deadbeats as much as you do but I am not them, I don't know them, and if I did and I knew where to find them I would help you out - sorry I can't help you so please remove my number from your system - thanks"  

If they still don't get it, I either do a trace on the  phone # or ask for their company name, address, etc. and the name of the company they are collecting the debt on behalf of.   Then I use a service from a company called "Prepaid Legal".   I pay PrePaid Legal $19.95 a month and have access to an attorney which I can use for a variety of issues if needed.  I can use a limited # of hours for free (then of course they start to charge),   There is a standard letter they have put together for this type fo thing since many of their clients have the same problem.  You can of course send your own letter, but typically a letter from a real attorney on their letterhead will impress upon any third party collector the seriousness of violationg the FDCPA by continuing ito harrass you.  I've never had a call again from someone after that letter went out.

What most people don't realize and it's the most important of all is that they need to get a hold of the original creditor and ask them to remove my phone # from the account on their end.   This is the most common reason for repeat calls because when one collection agency can't collect it goes back to the original creditor and they just farm it out to someone else and the calls start up all over again.  

Also, if someone else is running around putting your name and/or phone  # on credit applications I hope you've checked your credit file to make sure they are not attempting identity theft.

Lastly, I think Moose made some important observations regarding the statute of limitations.  Just because it is past the statute of limitations doesn't mean it can't or won't affect your credit rating and all that goes along with that.  I would generally recommend if someone has a debt that is 7 years or less they work to clear it up.   And the reality is, it is not necessary to work with the third party collector on this as you have noted.   You can in fact go back to the original creditor - which would avoid all the added interest and fees you mention from companies like Rob's.  And I imagine the original creditor would also negotiate on the amount.  Just important to make sure they will report it "paid as agreed" "paid in full" to the credit reporting companies.

I will focus on Joe's uneducated jibberish first, but also "T" and Rob included.

Joe, if you are going to "correct" someone, at least be sure you actually know what you are talking about first. And, learn how to read exactly what was written, and the context in which it was written.

Understand that I was speaking ONLY of THIRD PARTY debt collections, and it IS the FDCPA that governs those actions, not that jibberish you put out there. Where in the hell did you get that? It is the Fair Debt Collections Practice Act [FDCPA] that regulates the actions of THIRD PARTY debt collectors.

Actually, you can read several years worth of my posts, and understand where my opinions and actions come from, but I do not have time or patience to put it all out there again for every newby nitwit to this board. [Just serch: Steve - Bradenton] . I actually know what I am talking about as I walked away fro 32 creditors for $170,000 just after 9/11. To date, I have no judgements against me and have never paid a dime to anyone, have been sued 4 times and prevailed while representing myself, and have gotten 1 collection attorney disbarred for fraud, and got paid damages from 2 other collection agencies. You see, I get paid when a collector comes after me, because they are usually third grade dropouts and misfits and always cross the line. I get paid.

Here's the rest:

Joe: There are a number of grossly inaccurate statements in your post.

Steve: The solution to this debt collector thing really is so simple, but so many people cannot comprehend the basics. So, I will break it down in simpler terms.

[Steve]>1. NEVER, ever, speak to any third party debt collector on the phone. Nothing goo [for you] will ever come of that conversation. Guaranteed.

[Joe] Me: Uh right  - just like ignoring debt never does anything bad to your credit rating.  Just to make sure everyone understands, a bad credit rating means higher car insurance, home and/or renters insurance, higher mortgage and/or auto financing rates, higher credit card rates, and potentially not getting hired for a job.  If the debt is under 7 years old it is by FAR better to take care of it and fix your credit rating.  And if that debt falls between the Statute of Limitations for the original creditor (on average 3-4 years) and the 7 year period after which it falls off your credit report then I think dealing with either the collector or the original creditor is a VERY good idea.  If over 7 years its up to you whether to do the honorable thing or not.  If its a Federal Student loan just know it will hang around your neck like an albatross for the rest of your life.   I highly suggest everyone ignore your advice unless they are looking to get screwed.

Steve's response to Joe's uneducated jibberish: Actually Joe, by the time someone's account gets in the hands of a third party collector, it is already more than 6 months in default, usually 7-9 months. The damage to the credit is already done EVEN if the debtor pays it off in full! Did you know that stupid?

Furthermore, no one ever mentioned student loans, right? I know I never did, so that statement by you does not apply. Stay on point stupid.


[Steve]4. If they call you at work and in any way indicate they are a debt collector. Get a witness statement and sue them. They just violated the FDCPA. $1000 + costs in your pocket. Easy money. Do the same if they leave a message on a shared phone of any kind. Cha Ching! Money in your pocket.


[Joe]Me:  Wrong, first it is the FDCRA not the FDCPA which may account for the inaccuracy of your post.   So please actually read the FDCRA they are entitled to call someones employer  They are NOT entitled to tell the employer what it is in regard to.  If they call the employer again AFTER the debtor has asked not to be contacted at work then and ONLY then have they violated the FDCRA.

Steve's respponse to Joe's uneducated jibberish: Actually it IS the FDCPA stupid. Where in the hell did you get FDCRA? What exactly does that stand for? Do explain! FDCPA stands for Fair debt Collections Practices Act under the FTC. Then, there is the FCRA which stands for Fair Credit Reporting Act, also under FTC jurisdiction. I think your little bird brain tried to combine those 2 acts into one. Stupid. Don't come on and belittle me unless you actually know what you are talking about. I will crush you. Stupid.

[Steve]5. Upon first contact of any kind with a third party debt collector, collection letter, etc. Do a one shot dispute and cease communications request. Send via certified mail, return reciept requested. be sure the certified# is in the body of the letter and make a copy for your records. After you have proof they got it, if they contact you, get a lawyer, and sue. Another $1000+ in your pocket.

[Joe]Me: Only if you have specifically asked they not call you.  They may still write to you at your mailing address.

Steve's response to even more of Joe's lack of education. Hey STUPID, read exactly what I wrote! I clearly said to make that demand in writing! Can't you read? Stupid. And, no, after that LEGAL REQUEST is recieved by the bottom feeder, they can no longer communicate in any way with the debtor except for 1 more contact to say they got the request, and to state their intentions. That's it. ANY other communications by any means gets that third party bottomfeeder SUED. I have actually done this, TWICE. So I probably know just a bit more than you do STUPID.

[Steve]7. If anyone ever gets a judgement against you and gets the garnishment. Quit your job. Take your money out of bank and close account. Move. Don't forward your mail., Disconnect your phone and get an unlisted one, etc. Don't let them get a dime. Relocate, work for cash and don't put anything in your name. Ever. Always get the last laugh on idiots. Sounds extreme, but it works, and the satisfaction is great!

[Joe]Me:  It would seem far less expensive to just pay up.  And let's not ignore the fact that a bad credit score doesn't care where you hide or where you life it follows you everywhere.  But hey wow great job encouraging people to be deadbeats.  You must be so proud.

Steve's response to even more of Joe's jibberish. It all depends on the amount of the debt[common sense] and, many people can actually live without credit. The Mexicans do it! It is a CHOICE. I'm not encouraging anyone to be a deadbeat. I am simply telling them how to beat the bottomfeeder, IF that is the only choice they have left. Stupid.

Have fun with bottomfeeders.

[Joe]Me: and that would be you?

Steve: No, Joe, that would be you. You are a debt collector right? That's why you are so offended by my post, right? Stupid.

[Steve].I am an advocate of responsible lending, and if we had that, we would probably have 90% less collections. These greedy companies throw money at people they know can never repay, and then scream when they don't get paid!

[Joe]Me:  I also advocate responsible lending however more importantly I am an advocate of responsible borrowing.   Yes the banks were stupid and greedy and irresponsible but how does that make it OK for a borrower to be stupid, greedy and irresponsible.  What just because everyone is doing it then it is OK?  What, no concept of self control?  No concept of living within your means?  Too busy trying to impress everyone else with all your things versus focusing on what is really important?   Seriously that is the stupidest argument I have ever heard.  I didnt see anyone forcing people to borrow money.   I have an even simpler suggestion dont buy what you cant afford and learn to save money.
 
Steve's response to more of Joe's stupidity and arrogance: Banks throwing credit at people they know can never repay is no different in reality from throwing food to a starving person or a lifeboat to a drowning one. Just common sense here. It is human nature to survive by any means, and also human nature to take the path of least resistance. Stupid.

Screw them all..

[Joe]Me:  Well that pretty much says it all doesnt it.  You go ahead and borrow all that money you know you cant pay back (aka steal) and stick it to people like me who are responsible and pay our debts and taxes to make up for people like you.  Why thank you so much twit.

[Steve] I really wish Joe would man up and come call me a 'twit' to my face. It's real easy to be an internet tough guy. Show up punk. That's all you have to do. Don't make girly man excuses, just do it. Then you can get some real education. Punk.

You are correct I am the same person. I simply changed my name so that maybe it was a tad bit easier for people who have a problem spelling easy words. That being said I did not attack Rob in any way, shape or form. He has done nothing but continually make rude remarks to anyone opposing his views. He is also a "third party" collection agency which most likely means he bought a debt that is SOL. Same as all these other companies who try to get 100% of a profit by tacking on fees/late charges/ ect. Now you stated you have chosen to live your life responsibly. Congratulations. But so have I yet I still get collection agencies like "triad" calling me because someone gave my number out as theirs or in turn I have received a cell phone number that was someone else  who owed a debt. Case in point, I receive constant phone calls for a Jericha Polomino. I can promise I am not this person yet these companies call me a liar, want my ss# to prove I am not this person. I am not stupid so no one gets my ss# yet that does not stop the phone calls. I will again state I do not have bad credit, I pay my bills on time but that simply is really no ones concern. I remarked on "friendos" constant deliberately rude comments and putting people down. Now I could be wrong but if he is trying to "preserve" his reputation as a company wouldn't one try to be a little less rude? I know if my business was being thrown to the dogs I , for one, would try to explain the situation instead of insulting anyone who did not agree with how the business is run.

I looked on here and although they are not all the same company "Triad" alone has over 402 complaints. Does that not come across to you that someone isn't doing something correct or at least treating people like piles of pooh?

Maybe I am reading this incorrectly but I will quote "Rob "

#4 Employee
Hostile debtor doesn't mean Honest consumer
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Friday, January 27, 2012

Yes, it's true consumers have rights. But those rights do not include an unhappy debtor making false claims about a company legitimately attempting to collect a debt.  Unfortunately, sometimes when people owe debts, and can't pay them, they get upset with the collector, and somehow desire to "get even" by making untrue claims.
Because the poster has failed to include his or her name, we do not have the option of allowing a court to give credence to their allegations. Because there is no doubt as to who this individual is, suit should be filed and served hopefully next week and information regarding that litigation will be posted as an addendum to this rebuttal.

Unless I am mistaken this could be construed as a threat to sue? Again I could be wrong.

I quote "Rob" again

#7 Consumer Comment
Am I missing something?
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Saturday, January 28, 2012

I happen to be one of those alleged scumbag bill collectors. In fact, I own my collection agency and am doing quite well thank you very much. I find it amusing and a wee bit pathetic that those who are giving all the good advice seem to go out of their way to avoid including their identity, "Pinky" indeed, like a mouse. But then again,
any idiot taking advice from one of these nimrods and ending up sued or with wage garnishments against themselves or their spouses (that's right, Calif is a community property state and though your spouse may
not be named in the suit, a portion of their wages can be garnished) deserves what they get.

This is insulting , rude, disrespectful and frankly in my opinion shows if he conducts himself in this manner than these reports are true. Yet he doesn't stop there Honestly, why would anyone but an idiot take advice from an illiterate? It ain't that hard to put a complete sentence together, use correct words and put together a coherent thought! Oh! Almost forgot, all the cons on death row didn't do it! Not one of these "colons of advice" has
made mention of the fact that just maybe they've stiffed everyone from banks to their own employers and families. These are miscreants who have gone through life blaming everyone but themselves for their failures
(and they are many). It is my hope that the company being subjected to these allegations from a bunch of cowardly nitwits, will update the lawsuit information on every suit they file for the next month. That's
right idiots, they can because it's public record!

Now he is stating that everyone that has an opinion that differs from himself is an illiterate, still trying to figure out what the "colons of advice" means. Yet he has decided to lump everyone together saying no one pays their bills and basically we are thieves. Again correct me if I am mistaken here.

Steve wrote this  #9 Consumer Comment
And the personal insults you throw out don't exactly make you seem like an Einstein; get some class. I hope you are not indicative of the majority of bill collectors; it ain't that hard to be professional. So I am not the only one who finds his remarks "classless and ignorant".
 
In Robs comments to Pinky and Inspector,

#14 Owner of Company
Dear Pinky & Inspector
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Thursday, February 02, 2012

Pinky:

I think most rational individuals who have made life successful and who refrain from dodging their creditors, who pay back their relatives and who take pride in the fact that they have been entrusted with someone else's money would understand a response appropriate to being called filthy names, accused of law breaking and
being called a scam. I am NOT in the service industry, you nor they are my client. If I choose to address those who've made a decision to steal from their creditors and excuse their less than honorable behavior by
trying to make the issue those entrusted to collect monies owed in ways that you don't like, too bad. It is a pathetic fact that your post NEVER once mentions the REAL issues. My response to the ill informed and just
plain ignorant rantings found in some of these posts is laughable. And by the way, why even bother with a feeble response to my 500.00 wager? Not only would you lose, I'd have to sue you to get my money.

Inspector:

Honestly, why would you throw out information when you have no idea what you are talking about? In order to serve a garnishment/withholding order there must first be a judgment entered against the defendant. You either have a judgment or you don't. In California, up to 25% of the debtor's net income can be garnished. The judgment and order do not concern themselves with what the underlying debt might have been.

Secured/unsecured, the JUDGMENT is what matters and if one is entered then the creditor can get a withholding order. As to those in my industry being bottom feeders, oh well! Put me to the test, walk into Walmart tonight, get a handful of blu-rays & leave the store. When the cops show up tell them that they're just bottom feeders. They'll get a laugh and you'll be a jail bird and a thief. Stealing is stealing....there has got to be some bad guys in your neighborhood you can go make excuses for, God knows you're needed.

Again he has done nothing but insult people. I find that in my life people do not change how they treat people so I will say that this is most likely how he runs in most wonderful company.His response to Inspector,

#17 Owner of Company
INSPECTOR
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Friday, February 03, 2012

You are part and parcel the reason why the U.S. is in decline. So, individuals who secure one credit card after another, make a few payments then fail to pay a single dollar for years are just put upon folks who fell on hard times? That's your understanding is it? It is fools like you who have created a society where lying, cheating and
crime are excused and tolerated. At least until you are the victim, then the world has to stop to make things right for you. I think it's interesting to note that you didn't have a single word to waste on the crap advice you tried to give about post judgment remedies related secured/unsecured debt. As far a bottom feeding goes, what do you know about the subject. You've demonstrated a willingness to give advice on subjects you nothing about. You know nothing about the profile of the average credit card debtor. 

Lastly, don't insult those who endure true hardship, suffering and sorrow by making excuses for a handful of individuals who've defaulted on most every credit relationship they've ever had. Less than 5% of the world's population has the luxury of getting into credit card debt and the vast majority of those individuals make good on their obligations. On a daily basis we work with individuals who have REAL hardships, clearly something you know nothing about. These are the folks you insult. They call us and do everything they can to pay their
obligations. In most cases their credit reports don't reflect 20,000.00-30,000.00 in unsecured debt with zero attempts to pay for 36 months or more.

So please, save your bottom feeding antics for the judges who award  judgments, rubber stamp garnishments, bank levies, etc. Reserve your false bravado for the landlords who throw tenants out on the street,
loan companies for repossessing autos, police for enforcing warrants for failed appearances at debtor exams, the IRS and State Tax Board for all the above. You bleed for what you know nothing about but I'll bet you
whine loud when you're owed a buck, PATHETIC!

The insults do not stop. Is anyone seeing a pattern here?

#20 Owner of Company
ROBERT-IRVINE
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Friday, February 03, 2012

  And if you want to nit pick, what is stealing? What is fraud? As to how how my staff treats debtors, simple, we don't don't violate the clear cut prohibitons noted in the FDCPA and beyond that, treat others as they treat us.

Truly, it's a shame that there isn't recourse for those who take the uniformed advice found on forums such as these. You and some of these other malcontents should be held legally accountable for the bogus advice you dish out. After all, there are those who might think you know what you're talking about. Our wonderful Rob has again managed to insult people and readily admits to treating the people his wonderful company contact in a manner that is lacking any sort of class , period.

#25 Owner of Company
ROBERT
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Friday, February 03, 2012

Now you've done what losers in a debate tend to do, shift the issue. "We wouldn't go to the extreme of a debtor's exam for a 3000.00 judgment". How the hell would you know what we would do? Are you aware that such a
remedy is both inexpensive and effective. If we have employment we know where the debtor can be served. We do it regularly. And yes, those who've done their best to escape repaying their debt including thumbing
their nose at the court, abusing and threatening our employees, etc. seem to sing a much more cooperative tune when served with an order to appear and a 20 item subpoena.

So again, please do the easily confused a favor, know what you're talking about before you open your pie hole.
He states about shifting the issue , yet has anyone not noticed that he has not yet once tried to fix his companies name and /or try to remedy the situation. No he tells the person hes responding to to no open his pie hole. LOL sorry had to laugh at this because again it proves my point of the lack of class he has.

#29 Owner of Company
Steve/Charles
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Saturday, February 04, 2012

Steve, I guess to you it is absurd until of course you're the one who gets stiffed. What, do you think only banks seek the services of collection agencies? Do you think the only Plaintiffs in Small claims and Superior courts are banks and corporate credit grantors. Are you under the impression that ALL employers pay their employees for their labor? Of course comparing a 1000.00 loan be it on a credit card, personal loan, employee compensation, friend/family loan to an 8.00 dvd theft is absurd! Where do you think the greater damages are incurred,
ripping off a friend for a grand or stealing an item that Walmart doesn't even know exists? One you go to jail for and the other? It's fools like you and others making a measly dvd theft a mountain then making a mole hill of true theft which in many cases brings real damages to those stiffed. But of course, in the puny liberal mind set, one which in fact does lack any moral imperative for standards that allow one to balance true right and wrong. In your world, it is they who commit the offense who are the true victim that is until you become the victim.

And Charles, how can one respond to such inarticulate, sad and pathetic attempt and making a statement?
Yet again he is insulting and demeaning people  for something that he stated that stealing a dvd from Walmart is ok. And if one stole something from Walmart the cops get called we will call them bottom feeders.

#36 Owner of Company
Thanks Inspector
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Tuesday, February 07, 2012

Well, defend what's right and sooner or later it pays off. Case in point, Inspector. His/Her's most recent post projects beautifully: * "Perhaps if the credit card companies stop drowning us in credit card offers they would not be in this fix but that would mean no job for you and you may miss a credit payment".

He/She has NO respect for the individuals their heart bleeds for. So stupid, so lacking in any form of self control, they are unable to throw that lousy credit card offer in the trash. So lacking are they in character, that they are forced to get themselves into debt over and over again. Sort of like that 300 pounder who just can't say no to that 2nd Mc Rib. Those of you who fit Inspector's profile of a pathetic, spineless deadbeat should be honored to have him/her whining for you. Who needs to fugure out what the hell Jesse Jackson said when you've got
Inspector on the case.

"As far as the rebuttal about only buying what you can afford, sound advice but not realistic since no one follows it, and where would Rob work?"

SINCE NO ONE FOLLOWS IT? So, inspector's view is that we ALL get  ourselves into debt and act out as though it's someone else's fault? No  Inspector, I ill always have work because of yhose like you and your spawn.
"since I have known quite a few people that have beat people like you and I know of no one that has lost their property, had their wages garnished, or had to pay back the full amount owed".

*Does that sound like a statment made by a person who knows anything about character, honesty or integrity? Note that he doesn't mention a collection entity stupid enough to file a lawsuit when they knowingly can't prove up the debt. Beat people like me? The only way they win is if we can't prove the debt owed, if we can't prove it Nimrod, we don't sue it. Bottom line, you never mentioned once paying what is owed, just excuse making and ducking.....It's call projecting.

Lastly, I was hoping that the person who started this interesting board Pinky, would put up an update. My understanding is that something interesting happened, something that sort of puts to rest the "they only
threaten suing whine". Oh well, so much for putting one's money where there mouth is. 

Again with the insults and threats. I do not feel that he is capable of opening his mouth and not inserting both feet.

#3. You are not detail oriented, don't take the time or have the smarts to really do your job. Had you actually taken the time to present correct information on Sidney Mickell, you would have noted that he is an attorney. Had you then gone to the State Bar web site, you would have seen the following:

Yet you can google the name and you will see nothing but horrible reports on his lawyer.IE http://www.la.bbb.org/business-reviews/Collection-Agencies/Law-Offices-of-Sidney-Mickell-in-Montclair-CA-13206881-19 complaints closed with BBB in last 3 years | 2 closed in last 12 months-

BBB did not receive a response from business (17) I am not saying the BBB can actually do anything to help anyone but its nice for them to attempt to help consumers. This lawyer has a F+ rating. Hmmm...

#45 Owner of Company
"PINKY"
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Thursday, February 09, 2012

Good effort "PINKY" but....You forgot to mention what's on  tap for you next month. Also, you failed to point out that an "F" rating on the BBB is but a matter of opinion and normally made by a customer for a service rendered. In this case, 1 unhappy debtor like you could give a collection agency or an attorney an "F" rating. The real measure is the State Bar of California. If a debtor has ever had an honest or legitimate issue taken up by the State Bar, it would be a matter of public record. Uh oh! Me thinks "PINKY" is accusing the State Bar of
California of being in cahoots with Sidney Mickell!

This really made me laugh. Just one unhappy customer?? Really ? I suppose this one unhappy customer turned into what was it 19 complaints against this attorney? Amazing. Again Bobo is turning words around and trying anything can to lay blame . Why in the world would you attempt to clear a lawyers name but fail to try and preserve your companies reputation?

#46 Owner of Company
anonymous - San Diego
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Thursday, February 09, 2012

1. Obviously, the pruient nature of the goings in an L.A. bldg as relayed by an unhappy poster shows a rather bizarre interest on  your part in such things. Not bizarre in and of itself, but bizarre as it relates to a discussion about debt collections. I have to believe that the impact of a minority of debtors on the country's financial
health would be at least equal to concerns about public sex and and unhappy tenants concerns, stupid me!

2. Sorry to confuse you but your response proves my point. You see, corporations, llc's, etc. merge, change names, add names, create new entities within entities, etc. Common practices, goes on all the time.
So what does Triad being in business since 8/11 mean to you? It's none of your business. Your business should be paying your bills!

3. Attempting to convince strangers who know nothing about you and have no way to validate what you're claiming by "TELLING THAT TO MY BOSS!", etc. These are standard knee jerk responses by those who've never
learned to debate and those who in fact, are or are not what they wish they were or what they wish they could be. "since you know that I'm not detailed oriented, then do you know what I do for living. Go ahead take a
guess".

Why would I care? The detail I was alluding to wasn't what you do for a living, how the Fu*k would I know that? It was the sloppy work you did regarding Sidney Mickell. What the hell did his address have to do with
anything? The issue was the fact that he is a collection attorney and in GREAT standing with the State Bar of California. AND YES, THAT MATTERS!

Lastly, how can anyone know your true credit profile? You want to bet, I told you how to go about it. And why would a person with such great  credit come to a board started by an unhappy debtor who is being sued
for non payment of a legal debt. I am here to defend my business and the hardworking people who pay their debts. You are a debtor here to protect your errant ways.

Bobo still has not attempted in any way to fix his companies reputation but is willing to stand up for a lawyer with an F+ rating. I also know that usually when a company that has not been bought out by another company usually does not change it name randomly. I have for one have seen companies change their name in order to make a fresh start due to screwing , for a lack of a better word, consumers. Reading Bobos posts are equivalent to that of a mad man.

#48 Owner of Company
Tagurit
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Saturday, February 11, 2012

Good Saturday! Just a quick note, thanks for your rational approach to these important issues. I apologize for being a bit heated with you earlier on. As to Pinky, can't be 100% sure but I would be 95% sure that my guess is correct. As I said earlier on, we don't have an over abundance of truly abusive individuals that we are forced to deal with. We do get upset people during the post judgment process but during the very early collection efforts, not so much. Now there is a person who contacted my office about a month ago. They were truly, truly
abusive. Refused to discuss the debt, swearing, yelling and making threats. I told her to cease calling but she continued calling and giving our staff the same hard time. She also had her mother calling, claiming to be a paralegal and repeatedly making threats as well.

Yes Bobo again turns it around. I am really sure that Pinky called numerous times just to cuss at you and your wonderful staff. Again he is still not doing anything to preserve/repair his reputation. Only laying blame on whoever and where ever he can.

#65 Owner of Company
EnoughJerks aka Charles
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Wednesday, February 22, 2012

I wanted to give EnoughJerks the courtesy of a response. Although I believe that Enough is actually Chuck in drag, I believe his allegations and rantings worthy of a response.

*Do I know John from Palisades? No, don't know him. But your statement "just your remarks alone could get you into trouble" sounds like a threat of some kind. . Now considering that I can think of no restriction that would preclude my Constitutional right to speak my mind on a public forum, I have to assume that you are alluding to some type  of threat that would create a fear response, am I wrong?

*What is a "bottom feeding company" and what concern could it possibly of yours what our client's pay for the debt they purchase? Isn't the issue the debt? Isn't the issue the money that was borrowed and never
paid back? The courts must think so as the amount paid for a debt portfolio is never an issue, the validity of the debt is. Do you know that less that 10% of those sued ever file an answer? Did you know that most judgments are defaults? How could you? How is collecting purchased debt illegal? How is utilizing the court system illegal?

*Considering your previously mentioned threat, your request for our business address is a bit concerning. I'm sure that Rip Off Report has provisions for dealing with threats of violence, veiled or otherwise. We'll find out.

*My remarks regarding using real names etc. was motivated by they fact that the original poster "Pinky" had no problem in posting our address. Of course we're concerned that individuals such as yourself could be a
threat to our staff. We have a duty to protect them. Also, it seems to me that if one is going to make statements which can result in harm and damage to a person and or a business, that individual should be willing to have their claims tested in court. To simply come on a board and make outrageous statements about a person or business with no accountability is well, cowardly.

*So, getting rid of "collection agencies" or can I say "collectors of my kind" (another threat, personal this time?), would make 2012 the best  year ever. Be careful friend, your post could be considered a terrorist threat, no joke, take a look at Federal Law on the subject.

*Learn the difference between a "collection" account and an account that is in the "litigation" process. Just as the laws differ for an original creditor and a collection entity, so to, do they differ for those who use litigation as a primary collection tool. The issue isn't the "lawsuit", it is information regarding the "debt". Third party
disclosure concerns itself with the debt, not the lawsuit as lawsuits are PUBLIC RECORD.

*We would be more that happy to allow you the opportuniy to "prove" that our firm uses illegal means to collect valid debt. We do not sue accounts that we cannot prove owed. It's not cost effective and not in the best interest of our clients. By the way, when a debt is sitting on an idividual's credit for three years screaming "bad debt" to the world, where are the false claims issues then? Oh! It only matters when a collector calls, got it!

*No threat, done. As I stated several times, we believe we know who "Pinky" is. Sued and served, and gee no posts since. As to the public forum, uh hello! Lawsuits are public record, read the classified section
of the paper for public notices.

*Of course we discuss lawsuits, that's what our client's hire us to do. As to your bad experience with a bill collector (now we've got it, an angry debtor), I had a dry hamburger once, it doesn't mean all burgers
are lousy. Using personal experiences regarding an experience when such experiences are common to most at one time or another and expecting anyone to believe it the norm is well, BIZARRE!

*Many complaints? Really? In relation to the numbers of accounts we handle and suits Mr. Mickell files, I would think any non unhappy debtor would think them to be minimal. In fact, several of the posters on this
board have brought attention to what the real issues are, sorry Chuck. By the way, please post any information regarding judgments entered against this company for any violation of law and note any record of California State Bar reprimands against Mr. Mickell.....I didn't think so.

*What you are smelling is more than likely your breath. We don't hide our address and yes it's on our communications. But, if you call or if Pinky calls, yelling and swearing, you get nothing.

and lastly....Learn what libel is, learn how damages are determined and learn that calling someone a liar for making statement that is untrue and with the intent to damage another's reputation or to excuse their own
irresponsible beheavior is not libel. I just don't imagine life's successes would be trolling sites such as these to sing the praises of the irresponsible, do you? 

"Why don't you jump on the team and come on in for the big win?"

Now because I did not agree with him he insults me. Doesn't really bother me because I do not know him but again this is the pattern of which he is showing his true colors. He has threatened me with a lawsuit for not agreeing. He pulled stuff out of his arse to say I threatened him . This in turn was to attempt to change it so poor Bobo is the victim.

I stated it before and I will state it again. The way he has conducted himself shows his true colors and I can guarantee this is how he comes across to people.

In closing , Triad | Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported

Your Search | Triad

Approximately 420 Reports Found. I know they are not all Bobos company but seriously can 402 people all be crazy? Wait don't answer that !! lol

 Oh hey, lets examine this one that Joe pointed out earlier regarding Southern Chemicals post:

7. If anyone ever gets a judgement against you and gets the garnishment. Quit your job. Take your money out of bank and close account. Move. Don't forward your mail., Disconnect your phone and get an unlisted one, etc. Don't let them get a dime. Relocate, work for cash and don't put anything in your name. Ever. Always get the last laugh on idiots. Sounds extreme, but it works, and the satisfaction is great!

Lets examine this one REALLY close.  Especially the work for cash component.   Now Southern Chemical person (maybe youve been sniffing a bit of that stuff), but youre surely not advocating that someone not pay their IRS taxes are you?  Why that would be a Federal offense.  Cash only paying jobs are not high wage jobs, unless maybe youre a stripper or a drug lord (both of which I understand have a limited life span and regularly enjoy the scrutiny of the feds and the police.  So good luck getting enough money to buy a decent house or car.  

Since you seem to have personal first-hand knowledge that this approach works and you indicate that you dont pay on your obligations then you must really be the loser that you claim to be. I seriously cannot imagine why someone would want to follow your advice unless they aspire to be a loser as well.

I think Mrs M and EnoughJerks are one and the same person.  In any event folks weve gotten off track as to the main topic and point of this thread.

To quote Rob: As to how how my staff treats debtors, simple, we don't don't violate the clear cut prohibitons noted in the FDCRA and beyond that, treat others as they treat us. . . . . . .  Treating those who treat us with courtesy are treated in turn with courtesy.

So in the above comments is seems Rob is stating two things (1) he follows the law of the FDCRA and (2) treats others as they are treated in other words if the debtor is polite so are they.  From what I can see these comments are consistent throughout all of Robs posts.  Now in all fairness we dont know if the original poster Pinky, or Rob are telling the truth regarding the initial call now do we?   Nope we dont.   But there are two things for absolute certain.  Rob has never in this entire post stated his company is rude to debtors unless they are rude first. So everyone, lets do please stick with the facts.  

And second, being rude to people on the phone accomplishes nothing.  Whether its Robs company or the debtor I dont care its just not productive to be rude.  Being courteous and doing what is right (whether it is following FDCRA law or paying on your debt) would seem to be plainly and simply the best course of action.

I think it also makes sense to keep a few other facts in mind, Robs client is the original creditor who farmed the debt out to him and he is being paid to get results.  Having said that it appears from a prior Rob tatement (lets assume just for this moment hes telling the truth) that he is sympathetic to those situations where someone has suffered a catastrophic loss serious illness, etc. beyond their control who is doing the best they can to pay bills.  It seems his "irritation"  is directed at the scofflaws who dont make the effort.  So here is my question - shouldnt we all feel this way.  If were responsible, employed, tax paying citizens, who should we be defending here the folks who are putting the burden back on the rest of us in the form of higher interest rates and harder to obtain credit, or the person attempting to collect the funds rightfully owed to the creditor.  

And since Im on that very subject isnt it best if were going to point fingers and get all upset and call each other names, that we actually point those fingers and attitude at the responsible parties in the proper order as follows (1) the debtor for spending beyond their ability and not taking care of the debt in the first place, (2) the original creditor/bank for risky lending, government bailouts, and then not working with the debtor on a plan and THEN farming it out to a third party collections agency, and (3) lastly the 3rd party collector.   Folks if we are going to get angry does it not seem to make logical sense to get angry at the right people and in the right order.   Seems there is a lot of bashing of #3 going on when we should perhaps be taking a much closer look at #1 and #2 first.   

You may agree with my position, or you may not, it is of no consequence to me.  I simply chose to live in a responsible and ethical reality and focus on the facts not emotion.  Where everyone else chooses to live and how they choose to act is of course their choice and they will have to live with the consequences.

There are a number of grossly inaccurate statements in your post.

The solution to this debt collector thing really is so simple, but so many people cannot comprehend the basics. So, I will break it down in simpler terms.

1. NEVER, ever, speak to any third party debt collector on the phone. Nothing goo [for you] will ever come of that conversation. Guaranteed.

Me: Uh right  - just like ignoring debt never does anything bad to your credit rating.  Just to make sure everyone understands, a bad credit rating means higher car insurance, home and/or renters insurance, higher mortgage and/or auto financing rates, higher credit card rates, and potentially not getting hired for a job.  If the debt is under 7 years old it is by FAR better to take care of it and fix your credit rating.  And if that debt falls between the Statute of Limitations for the original creditor (on average 3-4 years) and the 7 year period after which it falls off your credit report then I think dealing with either the collector or the original creditor is a VERY good idea.  If over 7 years its up to you whether to do the honorable thing or not.  If its a Federal Student loan just know it will hang around your neck like an albatross for the rest of your life.   I highly suggest everyone ignore your advice unless they are looking to get screwed.

4. If they call you at work and in any way indicate they are a debt collector. Get a witness statement and sue them. They just violated the FDCPA. $1000 + costs in your pocket. Easy money. Do the same if they leave a message on a shared phone of any kind. Cha Ching! Money in your pocket.

Me:  Wrong, first it is the FDCRA not the FDCPA which may account for the inaccuracy of your post.   So please actually read the FDCRA they are entitled to call someones employer  They are NOT entitled to tell the employer what it is in regard to.  If they call the employer again AFTER the debtor has asked not to be contacted at work then and ONLY then have they violated the FDCRA.

5. Upon first contact of any kind with a third party debt collector, collection letter, etc. Do a one shot dispute and cease communications request. Send via certified mail, return reciept requested. be sure the certified# is in the body of the letter and make a copy for your records. After you have proof they got it, if they contact you, get a lawyer, and sue. Another $1000+ in your pocket.

Me: Only if you have specifically asked they not call you.  They may still write to you at your mailing address.

7. If anyone ever gets a judgement against you and gets the garnishment. Quit your job. Take your money out of bank and close account. Move. Don't forward your mail., Disconnect your phone and get an unlisted one, etc. Don't let them get a dime. Relocate, work for cash and don't put anything in your name. Ever. Always get the last laugh on idiots. Sounds extreme, but it works, and the satisfaction is great!

Me:  It would seem far less expensive to just pay up.  And let's not ignore the fact that a bad credit score doesn't care where you hide or where you life it follows you everywhere.  But hey wow great job encouraging people to be deadbeats.  You must be so proud.

Have fun with bottomfeeders.
 
Me: and that would be you?

I am an advocate of responsible lending, and if we had that, we would probably have 90% less collections. These greedy companies throw money at people they know can never repay, and then scream when they don't get paid!

Me:  I also advocate responsible lending however more importantly I am an advocate of responsible borrowing.   Yes the banks were stupid and greedy and irresponsible but how does that make it OK for a borrower to be stupid, greedy and irresponsible.  What just because everyone is doing it then it is OK?  What, no concept of self control?  No concept of living within your means?  Too busy trying to impress everyone else with all your things versus focusing on what is really important?   Seriously that is the stupidest argument I have ever heard.  I didnt see anyone forcing people to borrow money.   I have an even simpler suggestion dont buy what you cant afford and learn to save money. 

Screw them all..

Me:  Well that pretty much says it all doesnt it.  You go ahead and borrow all that money you know you cant pay back (aka steal) and stick it to people like me who are responsible and pay our debts and taxes to make up for people like you.  Why thank you so much twit.

I'm just tired of the injustices & what these businesses get away with.  The businesses always accuse people of lying about them.  I'm just tired of the insults & being called a liar or scammer.

SC&E LLC:

Your advice is truly impressive and I'm sure there will be at least one fool who ends up sued and all the rest of it. It is my hope that after taking your advice, possibly kissing a payment plan or settlement good bye, incurring the expense and time of litigation and then dealing with wage garnishments, bank levies, debtor exams, property liens, etc., they can come on this site and arrange to have you help them pay off the judgment. After all, being the Bible of debt avoidance and all, I'm sure it wouldn't trouble you reach into your pockets and help out a fellow bill dodger, right?

Ms. M err EnoughJerks err Chuck, if you ever get in debt you'll beat us? Good God, you're a nut case!

You stated "But let me set you straight, short of violating the law there is no restriction in treating those we deal with in the exact manner we are treated. This isn't a Burger King, we don't depend on repeat debtor business. Treating those who treat us with courtesy are treated in turn with courtesy. If like you, one can't take being treated with the same attitude they treat others, then learn to be courteous." You admit to using tactics and are on the line. You complete disregard for the law doesn't surprise me. I already told you that my interest in this was lost because of your completely moronic statements.

A little light reading for you , my little ray of sunshine, "  Third Party Collections

The act protects consumers from third-party debt collectors' abusive or illegal tactics to collect on past-due accounts. Third party agencies are either hired by the original creditor on their behalf, or the debt is purchased by third party agencies for pennies on the dollar. Debt collection agencies use the newly purchased debt and attempt to turn a significant profit by
collecting the entire amount, plus interest, from the consumer.

Illegal Conduct

The FDCPA regulates the types and forms of communications permitted and those that are banned. Collectors are only allowed to contact the consumer who actually owes the debt, and only during normal business hours. They are not allowed to
contact the workplace or call outside of normal hours if asked by the consumer not to do so, according to the Federal Trade Commission.

Threatening or intimidating conduct of any kind is strictly forbidden. Any communication by a third-party collector that is perceived to scare, threaten, abuse or harass is against the law and should be reported to the Federal Trade Commission.

Required Conduct

Specific information is required of a debt collection agency. Each time the collector contacts a consumer, the name of the agency and representative must be given.

Additionally, the agency must convey the consumer's rights and the name of the original creditor.

Disputed Debts

Debt collectors often contact the incorrect person. Debt validation is an option available to the consumer under FDCPA guidelines, and it forces the collector to provide proof the debt exists, that it belongs to the consumer and to justify the amount owed. Once a validation of debt is requested or submitted to a collector by a consumer, all communication must cease until the necessary proof is obtained and made readily available to the consumer.

Violation of the Act

The Federal Trade Commission administers and enforces the FDCPA. Violations by debt collectors of the act are reported to the FTC for each occurrence. Additionally, the consumer has the right under the act to file suit against the debt collector for each violation committed during the course of the collections. Statutory damages up to $1,000 per instance, plus
reasonable attorney's fees, are allowed under the FDCPA provisions." I hope you know how to read seeing as your writing skill is lacking.

Please feel free to attack me and anyone else who tells you how illegal what your doing is. Does it bother me?? Not in the least because you are the one on display here. Its not my company that needs defending. You did a great job protecting your company. You have shown your true colors and I applaud you for that.

Good luck with your "company" . Remember that anyone can report to the FDCPA. Seeing as you attacked everyone in "defending" your right to use illegal tactics. Stemming from anything you could pull out of your rear end to attack people. One would think anyone with any kind of education would try to preserve the reputation of their company.

Again , good luck to you . You are an eyesore  in society. If I ever get into debt I sure hope I get to deal with your company because  you will not win.

In case you don't understand , friendo, I will explain again. Attacking me is not helping your cause. I stated the facts and you can't read. I am sure your parents are proud. You go sonny boy...

Yours truly

Hi EnoughJerks please dont take this in the wrong way but in the best interest of engaging the rest of us on this thread and convincing us to your point of view I would like to make a suggestion that when you copy content of someone elses post and then comment on it that you differentiate what are your comments from the other posters by using either the bold or italics features.   This will make it much easier for everyone else to engage and follow what youre saying .   Because we are interested in all viewpoints.

On a secondary note, I agree with Moose.  There are not enough data points on the original post to know if it is in fact accurate.  That being said that person (Pinky) came here to express their view of their experience with Triad, which they are entitled to do.  In doing so, they called out a specific business by name and phone #.  That business, just as the original poster (OP), has the right to come here and refute the original posters position.   While Rob made a few comments earlier in the thread (which  I cautioned him about regarding the posting of non public data of the original poster), he has not done anything improper per the posting guidelines on ROR.   

Also, Rob and/or someone else posted the address and phone # of his business I cant recall which.   While Im not saying you or anyone else has done so, I would absolutely caution folks on appearing in any way to be making a call to action to confront anyone at Triad in person at their place of employment.  Not only would that not be cool, it would very specifically be against the rules of posting on ROR and could get that poster struck off.

 Im a big believer in not getting mad but getting even and not by doing something illegal or threatening against someone else either the OP or Triad, but by using calm common sense.  Both myself and Moose have made some very specific, and I would hope intelligent comments, on how to deal with collections agencies.  The best offense is a pleasant calm attitude and knowledge.  If the collector is being an a-hole, escalating will not solve the problem.  Knowledge of the FDCRA and, as Moose has stated, the Statute of Limitations for each state as well as a clear understanding of how the debt will affect your credit ratings and other areas of your life is important for any consumer in making a decision on whether and how to work with a collector.  

My recommendation to anyone having issues with collectors is to keep a recorder around and  (depending on whether you are two party consent state) letting the caller know you are recording the call.  Keeping calm and sticking with facts is the most powerful way to ensure collectors dont step out of line.  If they do, firing off a letter to their corporate HQ calling out the specific violation of the FDCRA and filing suit if necessary should take care of the issue.  There are a # of well written standard letters out on the internet that anyone can use to assist in this process.

Lastly, collection agencies are not the only party in these scenarios.   The creditor made the decision to farm out the debt to a third party and the debtor/consumer made the original decision to take on the debt in the first place.   I am not a fan of these irresponsible banks that weve let the Federal government bail -out and I think the usurious fees they charge are outrageous.  However, Im also not a fan of people who deliberately dodge their financial responsibilities ultimately shoving their burden back on the rest of us tax paying citizens.
 

The solution to this debt collector thing really is so simple, but so many people cannot comprehend the basics. So, I will break it down in simpler terms.

1. NEVER, ever, speak to any third party debt collector on the phone. Nothing goo [for you] will ever come of that conversation. Guaranteed.

2. Dont EVER answer any call that comes up on the caller id as blocked, private, unavailable, restricted, out of area, etc. That's just plain stupid. Why would anyone answer a phone when the party calling doesn't want you to know who they are?? Just common sense.

3. With the above type calls intercept by doing a rapid answer and hang up, or an answer and hit and hold any key. This sends a bad # response to autodialers, and your number gets removed.

4. If they call you at work and in any way indicate they are a debt collector. Get a witness statement and sue them. They just violated the FDCPA. $1000 + costs in your pocket. Easy money. Do the same if they leave a message on a shared phone of any kind. Cha Ching! Money in your pocket.

5. Upon first contact of any kind with a third party debt collector, collection letter, etc. Do a one shot dispute and cease communications request. Send via certified mail, return reciept requested. be sure the certified# is in the body of the letter and make a copy for your records. After you have proof they got it, if they contact you, get a lawyer, and sue. Another $1000+ in your pocket.

6. Dodge process servers, never admit to who you are if anyone you don't know asks. That way, later, you can always challenge the "proof of service"....DISMISSED!!

7. If anyone ever gets a judgement against you and gets the garnishment. Quit your job. Take your money out of bank and close account. Move. Don't forward your mail., Disconnect your phone and get an unlisted one, etc. Don't let them get a dime. Relocate, work for cash and don't put anything in your name. Ever. Always get the last laugh on idiots. Sounds extreme, but it works, and the satisfaction is great!

Never be wishy washy. You either plan on paying or you don't. Once you make a choice, stick with it.

Have fun with bottomfeeders.

I am an advocate of responsible lending, and if we had that, we would probably have 90% less collections. These greedy companies throw money at people they know can never repay, and then scream when they don't get paid!

Screw them all..

After all...no more bailouts, right???????

Unlike you friendo I have no problem in admitting when I am wrong and another correct. You are correct, I made typos and spelling errors, oops! I should have taken the time to run spell check, sorry. On the other hand, I'm trying to run a business and respond to whiners like you. I'm proof that cutting corners is not good business. Also, I'm not going to take another off their job to correct my errors and clearly, you had help with your most recent post. Compare it with your previous rants. Oh well! I think my points were clear.

As to your angst regarding the relationship between being "on the job" and "my own time", it appears you don't know the difference. How I address whiners like yourself on a board such as this has nothing to do with dealing with a client or debtor in the course of business. But let me set you straight, short of violating the law there is no restriction in treating those we deal with in the exact manner we are treated. This isn't a Burger King, we don't depend on repeat debtor business. Treating those who treat us with courtesy are treated in turn with courtesy. If like you, one can't take being treated with the same attitude they treat others, then learn to be courteous.

You have no idea who I am other than the fact that I'm in the collection business. But I know who you are, it's in every word you write. You would be doing  those who have to suffer being around you a great big favor by finding a way to give your puny life some meaning and worth. Coming on boards like these and venting about subjects you know nothing about is truly sad for you but entertaining for others.

You have lost my interest. Its like trying to argue with a wall. Good luck to you. I hope this gets the attention of the authorities that can take your business down. And "we" never had to do anything. Go back to school. Learn to read and write, then get a real job instead of your horrible so called business.

As you stated and I will quote you "EnougJerks
AUTHOR: Rob - riverside (United States of America)
SUBMITTED: Thursday, February 23, 2012

No offense if you in fact are not Charles. It's just that your writing abilities and ability to express a coherent thought are
well, pathetic. In any case, I'll let some of the other posters who are familier with Chuck's limited talents in written communications decide if my assumption was incorrect. Because your statements and thoughts are all over the place and you don't see the value in segregating (oops! Didn't mean to get racial), my previous statements from your own current
rantings, I'm not going to spend the morning addressing your rants issue by issue.

"And yes call me "Chuck" , I do not care who you "think" I am. To me bottom feeders are not top priority for "what or who" you think I am. But saying I am Chuck in "drag" comes across as a little racist".

A little racist? Um, I think this one quote pretty much sums up the foolishness in my continuing to address your "issues". So we'll leave it at this:

*My shady company as you say, has it's address and contact information right here on this board. Some of it put there by me.

*We are a registered and active LLC with the California Secretary of State

*Our attorney is is in good standing with the California State Bar and has no record of any reprimand of any kind

*There is no record of my company being found in violation of any law either by civil judgment or by the FTC

You on the other hand are a nameless, faceless complainer. My guess is that you earn a paltry income (if one at all), sponge of a significant other or the working tax payer, hated school (hence your near illiteracy) and couldn't buy a kilbasa on credit.

Now you will whine that I've libeled you, etc. Well, friendo it works both ways doesn't it? You and your ilk come on this board and say whatever you want, facts and truths be damned. You could care less what harm it might bring upon those who are trying to do their jobs legally. And you know why? Because you are an angry and jealous failure whose angst is as disingenuous as Rick Santorum's christianity and Newt's patriotism."

My 5 year old can spell better than you but that is neither here nor there. My point is proven yet again. The way you conduct yourself on this forum is a good example of how you conduct business. You can call me whatever and who ever you feel like because frankly my point is still being proven without me actually have to do anything. Keep on insulting people because it makes you feel better about your deceptive and unlawful business practices.  Would you please explain, since my writing and lack of education as you stated, what is in Gods name is a kilbasa? Did you mean kielbasa? What exactly is familier? Did you mean familiar? You do realize that  your spelling kind sir sucks. Your failure to even spell enough is  laughable. It is not enoug . It is enough. You gave me quite a laugh with this response and your failure to attempt to put someone down. Spelling is your friend.  I do not want you to address my comments because they were not mine. I simply used copy and paste from your comments. Reading is not your strong point nor is spelling. These rants came from comments you made. You probably forgotten what all you had posted.

SOL Statute of Limitations
 
Every day, consumers pay off collection accounts and charge-offs which they do not have to pay off even though the Statute of Limitations has already expired for the open account. They pay off these accounts because the accounts still appear on their credit reports and impact their credit score which affects the rates they pay for insurance, mortgages, and even potential employment.   So whether the SOL is past or not it would appear to be prudent to pay the debt.  The majority of debt collection companies such as I suspect with Robs, appear to focus on debt that fall between the expiration of the SOL and the 7 year timeframe after which the debt falls off the consumers credit report.  Primarily because this is a high cost area of business for the original creditor.
 
While a SOL can be a powerful weapon in unburdening a consumer of old debts, as creditors have a limited time in which to sue, just remember: the SOL begins to run from the day the debt - or payment on an open-ended account - was due. But as mentioned previously, this has nothing to do with how long a negative credit item can remain on your credit report.
 
Even though an account was removed from their credit file, a collector may still watch their credit report for any activity (usually a computer watches for any credit activity). When the collector spots the activity and calls the consumer for payment, all the consumer has to say to the collector was, "I have an absolute defense--the Statute of Limitations has expired."   Getting mad at the collector isnt the answer, being an informed consumer is.  If the debt is older than 7 years you may decide that paying on it wont help you or your credit score.  If you do decide to pay on a debt past the 7 year mark, take the time to ensure the collector and the original creditor agree not to repost this to your credit file if you make a payment.  Often making a payment can restart the clock on an old debt so make sure to have the discussion.
 
If the creditor (or collector filing on their behalf) files suit, the consumer has a defense if past the SOL, however the consumer must offer evidence to avoid a judgment which is why it is never a good idea ignore a court date for these kinds of things. If you do not prove to the court that the SOL has expired, you will have a lost lawsuit and a judgment will be entered against you.
 
Now, having stated the above, I offer only my own personal perspective.   If you incur the debt you should pay for it.  You entered into a contract - its about doing what you said you would do.  When you enter into an agreement with a creditor you, by your own word, agreed to make good on the debt.   Statute of limitation issues aside it would seem the honorable thing to be a person of your word and meet the terms of the agreement in other words pay the debt.  Credit Card debt, which I view bit differently due to the excessively high and more importantly compounded annual daily interest rates, should be addressed in a negotiated settlement covering the principle plus a more reasonable interest fee.  Ensuring of course all parties including the original creditor agree that the debt is satisfied and any negative derog information will be removed from the debtors credit report.  

Actually Charles/Chucky/Chuckles, I can stand quite a bit.  Age, wisdom, an education, and a lot of patience have allowed me to do that.  After all, I'm easily A Moosed.  I must say however the stench from your 10+ years of rotting self pity,, incompetence, unemployment, etc. is indeed difficult to stomach.

No what you can't stand is i don't let anyone get away treating me wrong.  No human puts up with being treated this way.  Why should i put up being verbally abused.

No offense if you in fact are not Charles. It's just that your writing abilities and ability to express a coherent thought are well, pathetic. In any case, I'll let some of the other posters who are familier with Chuck's limited talents in written communications decide if my assumption was incorrect. Because your statements and thoughts are all over the place and you don't see the value in segregating (oops! Didn't mean to get racial), my previous statements from your own current rantings, I'm not going to spend the morning addressing your rants issue by issue.

"And yes call me "Chuck" , I do not care who you "think" I am. To me bottom feeders are not top priority for "what or who" you think I am. But saying I am Chuck in "drag" comes across as a little racist".

Alittle racist? Um, I think this one quote pretty much sums up the foolishness in my continuing to address your "issues". So we'll leave it at this:

*My shady company as you say, has it's address and contact information right here on this board. Some of it put there by me.

*We are a registered and active LLC with the California Secretary of State

*Our attorney is is in good standing with the California State Bar and has no record of any reprimand of any kind

*There is no record of my company being found in violation of any law either by civil judgment or by the FTC

You on the other hand are a nameless, faceless complainer. My guess is that you earn a paltry income (if one at all), sponge of a significant other or the working tax payer, hated school (hence your near illiteracy) and couldn't buy a kilbasa on credit.

Now you will whine that I've libeled you, etc. Well, friendo it works both ways doesn't it? You and your ilk come on this board and say whatever you want, facts and truths be damned. You could care less what harm it might bring upon those who are trying to do their jobs legally. And you know why? Because you are an angry and jealous failure whose angst is as disingenuous as Rick Santorum's christianity and Newt's patriotism.

No Chuckles, it just proves how stupid, ignorant, and stubborn you are.

As you stated....Learn what libel is, learn how damages are determined and learn that
calling someone a liar for making statement that is untrue and with the
intent to damage another's reputation or to excuse their own
irresponsible beheavior is not libel. I just don't imagine life's
successes would be trolling sites such as these to sing the praises of
the irresponsible, do you? "

Defamation




From Wikipedia, the free encyclopedia








This article is about the malicious statement. For the 2009 film, see Defamation (film).
"Libel" and "Slander" redirect here. For other uses, see Libel (disambiguation) and Slander (disambiguation).
"Vilification" and "Calumny" redirect here. For the hate crime, see racial vilification. For the Catholic sin, see detraction.





This article needs attention from an expert on the subject. See the talk page for details. Consider associating this request with a WikiProject. (April 2011)


Defamationalso called calumny, vilification, traducement, slander (for transitory statements), and libel
(for written, broadcast, or otherwise published words)is the
communication of a statement that makes a claim, expressly stated or
implied to be factual, that may give an individual, business, product, group, government, or nation
a negative image. This can be also any disparaging statement made by
one person about another, which is communicated or published. It is
usually a requirement that this claim be false and that the publication
is communicated to someone other than the person defamed (the claimant).[1]
In common law jurisdictions, slander refers to a malicious, false,[2][not specific enough to verify] and defamatory spoken statement or report, while libel refers to any other form of communication such as written words or images.[3]
Most jurisdictions allow legal actions, civil and/or criminal, to deter
various kinds of defamation and retaliate against groundless criticism.
Related to defamation is public disclosure of private facts,
which arises where one person reveals information that is not of public
concern, and the release of which would offend a reasonable person.
"Unlike [with] libel, truth is not a defense for invasion of privacy."[4][not verified in body]
False light laws are "intended primarily to protect the plaintiff's mental or emotional well-being."[5] If a publication of information is false, then a tort of defamation might have occurred. If that communication is not technically false but is still misleading, then a tort of false light might have occurred.[5]
In some civil law jurisdictions, defamation is dealt with as a crime rather than a tort.[6] The United Nations Commission on Human Rights ruled in 2012 that the criminalization of libel violates Freedom of expression and is inconsistent with Article 19 of the International Covenant on Civil and Political Rights.[7]
A person who harms another's reputation may be referred to as a famacide, defamer, or slanderer. The Latin phrase famosus libellus means a libelous writing.

You do not. So thought I would copy and paste for you.
. Because the poster has failed to include his or her name, we do not
have the option of allowing a court to give credence to their
allegations." that is considered a threat. You are telling the OP that if they gave their name you would sue them.

"It is not an everyday, weekly or even monthly occurrence when our staff
is forced to endure verbal abuse by a debtor. In this case it was
extreme and unwarranted. Both the poster and the witness are guilty of
a most disgusting verbal assault on myself and my staff." Putting the OP on defense is one of the tactics. I normally would not reply to things like this but you come across as a complete jerk . So that is why. Now that being said you are turning it around on the OP. Your doing so in order to save face to preserve reputation.
I have done a little research and there is no company called "Triad Associates, LLC", at least on the internet. Hmm makes me a bit suspicious that your most wonderful company has nothing to email, call, or anything. I frankly was looking for the CEO's email so I could let him/her know how poorly you conduct yourself. Only things that come up is complaints. Does that not strike anyone as odd?? My ex husbands business can be found on the internet and he shouldn't own a business !!!

"One would think that that if the allegations made by this consumer were
true, this person would have no fear in including his or her name to the
post.  Obviously, protecting oneself from a libel suit was a
consideration as important as smearing our business. One would also
think that if a business was guilty of such things as we are falsely
being accused of, there would be numerous angry posts about it on the
Internet rather that this one, single, misguided entry. " Yet your shady company has done the same. Calling the kettle black eh?

"This person claims to have received a letter from us, and also claims
that we would not give her our address.   This is not only untrue, but
makes no sense at all.  Our address and telephone number are prominently
printed at the top of every letter that we send out.  Clearly we are
not refusing to give out our address.  This person is apparently
complaining that we wouldn't give her information that we had already
given her.  Why would we refuse to give her information that we had
already given her?  " Why again would you refuse to give her the address? You seem to be admiting that "you and your associates" don't have to. Consumers have every right to ask you to verify who you are and why your calling. You seem to have withheld this information.
When a debtor, moves, and refuses to give his or her new address to his
or her creditors, in violation of their credit agreement, how else can a
creditor locate a debtor other than through friends, family, or
employment?  This is completely legal.  And it could easily have been
avoided if a debtor gave the creditor notice of the new phone number and
address, as he or she had agreed to when he or she borrowed the money
in the first place.  Is it an honorable, or even a logical thing to
incur a debt, not pay it, hide from the creditor, and then complain when
a creditor attempts to find them, using legal methods, just to get them
to pay their bill?  Please note that nowhere in the post does this
person claims that he or she did not owe the debt.  " And they do not have to admit anything to you period. If I received a call from your company  I would not admit to anything. I also would have checked you out on the internet. Which again there is nothing but complaints. There is no information about your company other than threats and harassment. As you did both in your wonderful post back to me.

"There are indeed scams out there, and people should be careful to whom
they pay money.  However, this company is NOT a scam.  We legitimately
collect for legitimate debts by legitimate creditors.  Contrary to the
claims of this consumer, we will provide verification of debt if
requested to." Sorry but seems when you can't find any information on a so called company, other than complaints. I wouldn't pay you a dime.

"We do not "threaten" to file lawsuits against people.  Frequently a
particular matter meets our suit criteria, in which case we have the
matter referred to an attorney who does file a lawsuit.  If an account
meets our suit criteria, and we intend to have a lawsuit filed, we do so
inform a consumer, which is not only legal, but seems only fair. 
Apparently this consumer is upset that we gave her the opportunity to
avoid additional legal fees and court costs by avoiding a lawsuit.  Most
people appreciate this opportunity.  Either way, there is nothing
illegal or improper about letting a consumer know what we planned to do
if a debt was not paid.  Federal laws even provide that this
notification is specifically allowed." This again is a passive aggressive comment. You are threatening  , not in so many words but its still threatening. Basically , we will sue you. How much by the way do you add on to these charges? $400, $600, maybe $1000?? Just asking. I am sure this is "threatening " to you since you decided to post on a public forum. You have rights and I do not as I see from your last post.

" I am dismayed but not surprised that this consumer would be so
irresponsible to advise people to "not pay... (a debt collector)...
anything", and just continue to check to see if they have been sued. 
This is rather poor advice.  By advising people not to pay their
legitimate debts when a collection agency contacts them to pay them can
subject these people to negative information on their credit reports,
additional penalties and interest, additional attorney fees, as well as a
potential money judgment against them.  This is clearly an angry person
who wants convince other people to make the same unwise choices that he
or she made." You come across as holier than thou. You still are coming across as putting someone down. You just buy a debt correct? That gives you the right to call her irresponsible? Sorry I am completely in awe of the way you come across.

"Rob Davis

Director of Litigations, Triad Associates LLC



P.S.



"Anyone seeking an easy way to confirm that poster is a liar can test one
of their claims. Our office is located in a Regus managed property.
Their number is 951 710-3000 and you are free to call and inquire if
Triad Associates is a client and leasing office space." You called her a liar...Really???

"I happen to be one of those alleged scumbag bill collectors. In fact, I
own my collection agency and am doing quite well thank you very much. I
find it amusing and a wee bit pathetic that those who are giving all the
good advice seem to go out of their way to avoid including their
identity, "Pinky" indeed, like a mouse. But then again, any idiot taking
advice from one of these nimrods and ending up sued or with wage
garnishments against themselves or their spouses (that's right, Calif is
a community property state and though your spouse may not be named in
the suit, a portion of their wages can be garnished) deserves what they
get." You again are calling people names. Your coming across as a elitist jerk who thinks they can do and say anything. Since you OWN your own business , I am sure this person , with your posts alone do exactly what they are being accused of.
"Honestly, why would anyone but an idiot take advice from an illiterate?
It ain't that hard to put a complete sentence together, use correct
words and put together a coherent thought! Oh! Almost forgot, all the
cons on death row didn't do it! Not one of these "colons of advice" has
made mention of the fact that just maybe they've stiffed everyone from
banks to their own employers and families. These are miscreants who have
gone through life blaming everyone but themselves for their failures
(and they are many). It is my hope that the company being subjected to
these allegations from a bunch of cowardly nitwits, will update the
lawsuit information on every suit they file for the next month. That's
right idiots, they can because it's public record! " You again are putting people down. People you don't even know. Yet your company is respectable ..GOTCHA..nitwits, cowards???

LASTLY, I WILL PUT OUT A 500.00 WAGER TO ANY MISCREANT WHO HAS ATTEMPTED
TO PUT THEIR PUNY THOUGHTS ON THIS THREAD PRIOR TO MINE. HERE'S THE
WAGER....YOUR CREDIT STINKS, YOU'VE STIFFED MOST ANY BUSINESS FOOLISH
ENOUGH TO TRUST YOU WITH CREDIT AND THAT THE DEBT OWED TO THE BUSINESS
BEING SUBJECT TO THE WHINING ON THIS POST HAS BEEN SITTING ON YOUR
CREDIT AS A BAD DEBT FOR YEARS. LET ME KNOW ON THIS SITE AND WE'LL
ARRANGE TO MAKE THE BET HAPPEN." The threats do not stop from you. Who is the miscreant here? BTW my credit is wonderful. Thank you very much.

Aww you had to call someone you got money from to come on here and state your not a bottom feeder. That touched my heart.
 And again "Pinky:

I think most rational individuals who have made life
successful and who refrain from dodging their creditors, who pay back
their relatives and who take pride in the fact that they have been
entrusted with someone else's money would understand a response
appropriate to being called filthy names, accused of law breaking and
being called a scam. I am NOT in the service industry, you nor they are
my client. If I choose to address those who've made a decision to steal
from their creditors and excuse their less than honorable behavior by
trying to make the issue those entrusted to collect monies owed in ways
that you don't like, too bad. It is a pathetic fact that your post NEVER
once mentions the REAL issues. My response to the ill informed and just
plain ignorant rantings found in some of these posts is laughable. And
by the way, why even bother with a feeble response to my 500.00 wager?
Not only would you lose, I'd have to sue you to get my money.

Inspector:

Honestly,
why would you throw out information when you have no idea what you are
talking about? In order to serve a garnishment/withholding order there
must first be a judgment entered against the defendant. You either have a
judgment or you don't. In California, up to 25% of the debtor's net
income can be garnished. The judgment and order do not concern
themselves with what the underlying debt might have been.
Secured/unsecured, the JUDGMENT is what matters and if one is entered
then the creditor can get a withholding order. As to those in my
industry being bottom feeders, oh well! Put me to the test, walk into
Walmart tonight, get a handful of blu-rays & leave the store. When
the cops show up tell them that they're just bottom feeders. They'll get
a laugh and you'll be a jail bird and a thief. Stealing is
stealing....there has got to be some bad guys in your neighborhood you
can go make excuses for, God knows you're needed."

Pinky is right no one has to say anything because you do a great job showing how wonderful your company is. BTW Everyone seeing this ROB owns this company. Remember that.

You are part and parcel the reason why the U.S. is in decline. So,
individuals who secure one credit card after another, make a few
payments then fail to pay a single dollar for years are just put upon
folks who fell on hard times? That's your understanding is it? It is
fools like you who have created a society where lying, cheating and
crime are excused and tolerated. At least until you are the victim, then
the world has to stop to make things right for you. I think it's
interesting to note that you didn't have a single word to waste on the
crap advice you tried to give about post judgment remedies related
secured/unsecured debt. As far a bottom feeding goes, what do you know
about the subject. You've demonstrated a willingness to give advice on
subjects you nothing about. You know nothing about the profile of the
average credit card debtor. 



Lastly, don't insult those who endure true hardship, suffering and
sorrow by making excuses for a handful of individuals who've defaulted
on most every credit relationship they've ever had. Less than 5% of the
world's population has the luxury of getting into credit card debt and
the vast majority of those individuals make good on their obligations.
On a daily basis we work with individuals who have REAL hardships,
clearly something you know nothing about. These are the folks you
insult. They call us and do everything they can to pay their
obligations. In most cases their credit reports don't reflect
20,000.00-30,000.00 in unsecured debt with zero attempts to pay for 36
months or more.



So please, save your bottom feeding antics for the judges who award
judgments, rubber stamp garnishments, bank levies, etc. Reserve your
false bravado for the landlords who throw tenants out on the street,
loan companies for repossessing autos, police for enforcing warrants for
failed appearances at debtor exams, the IRS and State Tax Board for all
the above. You bleed for what you know nothing about but I'll bet you
whine loud when you're owed a buck, PATHETIC!" YET again...Are we seeing a pattern here people?

"And you are wrong in stating that incurring and failing to pay back debt
can be compared to theft etc. Fraud, embezzlement, etc. all have their
basis in some type of financial/monetary issue. The court in issuing a
judgment gives that creditor powers that include seizure of property,
income, spousal assets, property liens that can include forced sales,
bank accounts and in the case of Debtor Exams, arrest for failure to
appear. And if you want to nit pick, what is stealing? What is fraud? As
to how how my staff treats debtors, simple, we don't don't violate the
clear cut prohibitons noted in the FDCPA and beyond that, treat others
as they treat us.

Truly, it's a shame that there isn't recourse
for those who take the uniformed advice found on forums such as these.
You and some of these other malcontents should be held legally
accountable for the bogus advice you dish out. After all, there are
those who might think you know what you're talking about." ..No comment needed..you did it again...

"So again, please do the easily confused a favor, know what you're talking about before you open your pie hole." YOUR PIE HOLE????? OMG hahahaha..I would do business with you...not at all
Just when I thought you may have not insulted anyone..."Steve, I guess to you it is absurd until of course you're the one who
gets stiffed. What, do you think only banks seek the services of
collection agencies? Do you think the only Plaintiffs in Small claims
and Superior courts are banks and corporate credit grantors. Are you
under the impression that ALL employers pay their employees for their
labor? Of course comparing a 1000.00 loan be it on a credit card,
personal loan, employee compensation, friend/family loan to an 8.00 dvd
theft is absurd! Where do you think the greater damages are incurred,
ripping off a friend for a grand or stealing an item that Walmart
doesn't even know exists? One you go to jail for and the
other? It's fools like you and others making a measly dvd theft a
mountain then making a mole hill of true theft which in many cases
brings real damages to those stiffed. But of course, in the puny liberal
mind set, one which in fact does lack any moral imperative for
standards that allow one to balance true right and wrong. In your world,
it is they who commit the offense who are the true victim that is until
you become the victim.



And Charles, how can one respond to such inarticulate, sad and pathetic attempt and making a statement?" Yet you do it again..Liberal mindset?? Lack of any morals? Oh dear...

"Wow! Simply stunning! Truly, are you able to make magic with the words
you spew but.....Your reading comprehension appears to be just as awe
inspiring. Oh, and let's not resort to threats of violence. I'm a little
suprised that advocating violence is allowed on such a non bias site
such as this. Let me help you little buddy. I said in a previous post
that this business conforms itself to all provisions required by the
FDCPA. If you have a beef with the courts awarding judgments and
allowing creditors to collect monies owed, then take it up with them.



My guess is that you've probably failed at most everything you've tried,
have a credit profile best left unspoken of and have burned most
bridges with friends and family. My guess is that I'm alot closer to
being correct in what I just stated than you are of my position with
this firm. In any case, it's really not fair for the readers of this
thread to be forced into trying to figure out WTF you are trying to say." You again are attacking someone. You spelled surprise wrong btw. Charles gets attacked all the time because of his statements . Yet you go for the jugular. Oh that's right.. I am Charles in drag. Another one of your insults.. LOVE IT!!!

I believe Inspector was telling you that the credit card companies need to stop throwing out credit like its candy. And he/she said you would be out of a job. YOU WOULD BE OUT OF A JOB!!! You totally missed that . Then you insult him/her. Sorry bottom feeder.. You are putting yourself in a worse situation than before. Look at what you post.

"He/She has NO respect for the individuals their heart bleeds for. So
stupid, so lacking in any form of self control, they are unable to throw
that lousy credit card offer in the trash. So lacking are they in
character, that they are forced to get themselves into debt over and
over again. Sort of like that 300 pounder who just can't say no to that
2nd Mc Rib. Those of you who fit Inspector's profile of a pathetic,
spineless deadbeat should be honored to have him/her whining for you.
Who needs to fugure out what the hell Jesse Jackson said when you've got
Inspector on the case." Maybe you were drinking but again you misspelled words. You insult everyone in a single paragraph you idiot. SERIOUSLY are you that stupid? You want sympathy yet you have done nothing but insult people. You have managed to insult everyone!!!!!
No Inspector, I ill always have work because of yhose like you and your spawn.



"since I have known quite a few people that have beat people like you
and I know of no one that has lost their property, had their wages
garnished, or had to pay back the full amount owed".



*Does that sound like a statment made by a person who knows anything
about character, honesty or integrity? Note that he doesn't mention a
collection entity stupid enough to file a lawsuit when they knowingly
can't prove up the debt. Beat people like me? The only way they win is
if we can't prove the debt owed, if we can't prove it Nimrod, we don't
sue it. Bottom line, you never mentioned once paying what is owed, just
excuse making and ducking.....It's call projecting.



Lastly, I was hoping that the person who started this interesting board
Pinky, would put up an update. My understanding is that something
interesting happened, something that sort of puts to rest the "they only
threaten suing whine". Oh well, so much for putting one's money where
there mouth is. " Unfortunately debt collectors get sued. Yes they do sunshine. I am sure if anyone read this and had any doubt "Pinky" was posting false information, then I am sure at the end of this they will not. You conduct yourself about as well as a pig.

"Of course you can't work for me.



#1 I'd be paying you to do a job but you'd be spending your time enjoying porn.



#2 You've demonstrated an inability to inderstand the nature of
business, meaning, go on any search engine, search a business and find
negative posts. I.E. look up your favorite eating establishment on Yelp.
Also, you've demonstrated zero grasp of how corporations/llc's set
themselves up for tax purposes etc.



#3. You are not detail oriented, don't take the time or have the smarts
to really do your job. Had you actually taken the time to present
correct information on Sidney Mickell, you would have noted that he is
an attorney. Had you then gone to the State Bar web site, you would have
seen the following:



Actions Affecting Eligibility to Practice Law



Disciplinary and Related Actions

Overview of the attorney discipline system.



THIS MEMBER HAS NO PUBLIC RECORD OF DISCIPLINE.



Administrative Actions



THIS MEMBER HAS NO PUBLIC RECORD OF ADMINISTRATIVE ACTIONS



Yet, if you Google Mr. Mickell you would find many an unhappy debtors.
Why, because he sues lots of them here in Calif. So what should we
conclude? Well, Mr. Mickell is hated by those of your ilk, but stands in
the good graces of the California's State Bar....Who should we trust,
you or the State Bar of California?



YOU ARE FIRED!



And one last thing, if I couldn't afford it, I wouldn't had offered the
bet. So let's put your money where your big mouth is. You set up a new
hot mail account. Post it here. I will contact you and we will prove
that your credit stinks and that you MUST spew your filth on this site
because you are compelled to defend your ilk. If I'm wrong.....You get
500.00! But, don't resort to foolish statements like my business can't
afford to pay off a bet, Man up! Let's gamble!" You lack of morals never cease to amaze me. You my friend are asking this guy/girls name. And your grammar is getting worse. Man up??? Really?

You really are an idiot. Pinky stated the person in whom I believe you work for or with? I could be wrong or misread it but your still an idiot. Yes I can put people down also. The attorney you work for sucks. Its not a matter of opinion its a fact.
"1. Obviously, the pruient nature of the goings in an L.A. bldg as
relayed by an unhappy poster shows a rather bizarre interest on your
part in such things. Not bizarre in and of itself, but bizarre as it
relates to a discussion about debt collections. I have to believe that
the impact of a minority of debtors on the country's financial health
would be at least equal to concerns about public sex and and unhappy
tenants concerns, stupid me!



2. Sorry to confuse you but your response proves my point. You see,
corporations, llc's, etc. merge, change names, add names, create new
entities within entities, etc. Common practices, goes on all the time.
So what does Triad being in business since 8/11 mean to you? It's none
of your business. Your business should be paying your bills!



3. Attempting to convince strangers who know nothing about you and have
no way to validate what you're claiming by "TELLING THAT TO MY BOSS!",
etc. These are standard knee jerk responses by those who've never
learned to debate and those who in fact, are or are not what they wish
they were or what they wish they could be. "since you know that I'm not
detailed oriented, then do you know what I do for living. Go ahead take a
guess".



Why would I care? The detail I was alluding to wasn't what you do for a
living, how the Fu*k would I know that? It was the sloppy work you did
regarding Sidney Mickell. What the hell did his address have to do with
anything? The issue was the fact that he is a collection attorney and in
GREAT standing with the State Bar of California. AND YES, THAT MATTERS!




Lastly, how can anyone know your true credit profile? You want to bet, I
told you how to go about it. And why would a person with such great
credit come to a board started by an unhappy debtor who is being sued
for non payment of a legal debt. I am here to defend my business and the
hardworking people who pay their debts. You are a debtor here to
protect your errant ways."

I am sorry it is our business to know what company you work for. You stated its not of her business how long or whatever you have been in business. Last time I checked consumers have every right to check on a company and or a person. But seeing as nothing can be found on your company that you OWN ...seems shady. Shady , shady, shady......

Lastly you stated "During the calls she never raised any issue regarding owing the debt,
etc. Rather she was upset that we had located and called her business.
The validation demand came nearly 2 weeks later by mail. It goes without
saying that we verify employment etc. before we spend our client's
money on suits. At no time did she ever attempt to discuss the matter in
a respectful manner. Also, the reporting on her credit report was that
of a charge off/bad debt. It had been reporting as such for nearly 3 1/2
years with no notice of disput to the bureaus. It had also been with a
minimum of 3 different collection entities including the original
creditor.



In closing, we have a primary responsibility to ensure that we do not
waste our client's investments in these debts and their money on bad
lawsuits. Suing is our absolute last ditch effort in collecting bad
debt. In this individual's case, if she had presented my office with any
information indicating that the debt wasn't hers, fraud or already
paid, we would have followed up on her claims, that is also part of the
collection process. As you know, purchased debt almost always has a
recourse period. We owe it to our clients to protect their investments
and trust in us. Have a great weekend! " It is not the people with whom you contacts responsibility to prove that debt. That is solely on your company.

I will let my husband know that I am "Charles" in drag. I am sure he will be very upset. Again no offense Charles . Rob is a jerk its plain to see. I also want to thank you Rob, robby , robert, joe whatever, thank you for proving my point time and time again without me having to really do anything but copy and paste your comments.

 










"
"

Will give it another shot!!

Dearest Rob, Robby , Roberto,

You my friend are way off. You can not turn around something you stated to make it seem like I made a threat. I made no threat but again this is what people like you do. You attempt any way, shape, or form to put the blame on the other person. I suppose it is in fact to preserve reputation. Yet your company sucks. They are and still are bottom feeders.  And yes call me "Chuck" , I do not care who you "think" I am. To me bottom feeders are not top priority for "what or who" you think I am. But saying I am Chuck in "drag" comes across as a little racist. If I was "Charles" I would get offended if "Charles" did like to dress up like a woman. Sorry Charles, this isn't about you I am stating a point.  As I stated before these are tactics companies like you do. Anyway on another note I would like to sum up your stupidity.

*Do I know John from Palisades? No, don't know him. But your statement "just your remarks alone could get you into trouble" sounds like a threat of some kind. . Now considering that I can think of no restriction that would preclude my Constitutional right to speak my mind on a public forum, I have to assume that you are alluding to some type
of threat that would create a fear response, am I wrong?" You took what I said out of context. Don't threaten me because you will not win, period. Your company "buys" debts that have already been put out to pasture , so to speak. Your company buys it for pennies on the dollar. Paying your company would not fix any credit problems, the only thing it will do is you can do a happy dance while urinating on the persons credit. And it is my Constitutional Right to speak my mind. Seriously, you really want to go there? You may want to read, what as a collection agency you can and can not do. But that would mean you couldn't steal from people correct?

*What is a "bottom feeding company" and what concern could it possibly of yours what our client's pay for the debt they purchase? Isn't the issue the debt? Isn't the issue the money that was borrowed and never paid back? The courts must think so as the amount paid for a debt portfolio is never an issue, the validity of the debt is. Do you know that less that 10% of those sued ever file an answer? Did you know that most judgments are defaults? How could you? How is collecting purchased debt illegal? How is utilizing the court system illegal?

Let me explain since you can't seem to grasp the concept. It is illegal to harass, threaten to sue, have someone arrested , basically what your most wonderful company has done to the OP. Collecting a purchased debt that is no longer valid is what bottom feeding companies do. But most likely your wonderful, upstanding company does not look up the SOL limitations. And I have been threatened , harassed, ect by wonderful companies like yours when the debt was not even mine. 

Did you honestly think you would get a "rise " out of me by saying I threatened you? Then kind sir you are a moron.

Again let me state since you have a problem reading, this is what you posted....*Considering your previously mentioned threat, your request for our business address is a bit concerning. I'm sure that Rip Off Report has provisions for dealing with threats of violence, veiled or otherwise.
We'll find out."
 I have reported Palisades to the FTC and seeing as how you conduct yourself on this website is how you conduct business then maybe you will not have a problem with the FTC checking it out.

  Since your an idiot, I didn't threaten anything. You got on the defense because you know that you are wrong. Don't try your games with me kind sir. They do not work. But since you "threatened" me ...see how this works? Not only did you "threaten" me you also decided to be "racist" , and I will state that if this is how you conduct business  then I can see in the future that this bottom feeding company will have to answer to the FTC about how business is conducted.

Sorry but your insults about my grammar or spelling doesn't bother me.  I'm tired of defending myself to every single comment.  This proves how stubborn & ignorant people really are.

Hey Stacey, wrapped up work today and zipped back to the report on the gal that filed the false report against the secret service.  Saw the Moose posts.  Thought they were too funny - he has done a good job of puling C apart.  If you want a real good laugh look up ROR 86105 post 297 and 299 the guy has a wicked sense of humor.   BTW I reposted the Craigslist ad in Dallas DFW under "2007 Mercedes E350 - 31K miles looks brand new"  just reactivated an old ad as the car has was sold some time ago.  But you want to contact me that's the best way direct.  Am waiting to see what Jeanski hears back from Norcross on our Ladybug.

Pretty sure the last post or two you responded to is not actually Charles.  Charles has the IQ of a peanut and can't put two coherent sentences together (ROR reports 839289 and 86105 will pretty much show you what I mean) so you're definitely dealing with someone else.   ROR report 839289 post #107 will provide a bit of background on who I am.   Generally there appear to be a few regular pretty smart posters that given their background and connections seem able to dig into complaints and figure out if they are on the up and up and if so assist the poster and if not, well let's just say ROR 839289 is an example of what happens when the OP tells a whopper.   Jeanski, Truthsayer, 2 Roberts, Stacey, Lorenzen, Diogenes, Ramjet, SocratesAL, and Tagurit are all fairly sharp from what I can see.

That being said you sound to be an intelligent guy from your postings.  I believe what has happened is that some posters have dealt with collection agencies that either don't follow the rules or scammers pretending to be collectors.  They then assume "all" collectors must therefore be the same.  Generally I find it is never a good idea to make such wide assumptions.   So I would suggest to any posters that unless their experience is with Robert's company specifically they might be spending their time more wisely by not posting personal attacks unless they have personal experience with Rob and/or his company - if in fact those posters are attempting to be credible.  Just my opinion of course.

I've found there are tried and true ways to deal with situations when a collections agency has either the wrong person or the wrong #.   Yelling and screaming at a collections agency that has a wrong # accomplishes nothing.  Taking the time to collect some basic info and prove they have the wrong # as well as going back to the original creditor (even if not your debt) I have found to be the fastest and most pain free way of stopping calls that are to wrong #'s.   In fact I have found one of the biggest issues is the original creditor sending bad information out the the collections agency.  The agency of course has no way to know since they have the expectation that the creditor's information is accurate.   This is why I always recommend getting back to the original creditor if someone is getting calls for the wrong person.

In either event as a former laywer, I don't know Rob, or the original poster, Pinky, or enough of the actual details of this particular collection scenario to say who is in the right and who is in the wrong.   I am merely stating my two cents on dealing with collectors who have wrong information.   Regarding actual debt itself I believe a lot of people seem to think it is OK to just walk away and the reality is that debt collectors won't go away until people start becoming more responsible with the credit they have been granted.   And I, for one, do not want to be the innocent tax paying citizen picking up the tab for those who don't pay their bills.

I wanted to give EnoughJerks the courtesy of a response. Although I believe that Enough is actually Chuck in drag, I believe his allegations and rantings worthy of a response.

*Do I know John from Palisades? No, don't know him. But your statement "just your remarks alone could get you into trouble" sounds like a threat of some kind. . Now considering that I can think of no restriction that would preclude my Constitutional right to speak my mind on a public forum, I have to assume that you are alluding to some type of threat that would create a fear response, am I wrong?

*What is a "bottom feeding company" and what concern could it possibly of yours what our client's pay for the debt they purchase? Isn't the issue the debt? Isn't the issue the money that was borrowed and never paid back? The courts must think so as the amount paid for a debt portfolio is never an issue, the validity of the debt is. Do you know that less that 10% of those sued ever file an answer? Did you know that most judgments are defaults? How could you? How is collecting purchased debt illegal? How is utilizing the court system illegal?

*Considering your previously mentioned threat, your request for our business address is a bit concerning. I'm sure that Rip Off Report has provisions for dealing with threats of violence, veiled or otherwise. We'll find out.

*My remarks regarding using real names etc. was motivated by they fact that the original poster "Pinky" had no problem in posting our address. Of course we're concerned that individuals such as yourself could be a threat to our staff. We have a duty to protect them. Also, it seems to me that if one is going to make statements which can result in harm and damage to a person and or a business, that individual should be willing to have their claims tested in court. To simply come on a board and make outrageous statements about a person or business with no accountability is well, cowardly.

*So, getting rid of "collection agencies" or can I say "collectors of my kind" (another threat, personal this time?), would make 2012 the best year ever. Be careful friend, your post could be considered a terrorist threat, no joke, take a look at Federal Law on the subject.

*Learn the difference between a "collection" account and an account that is in the "litigation" process. Just as the laws differ for an original creditor and a collection entity, so to, do they differ for those who use litigation as a primary collection tool. The issue isn't the "lawsuit", it is information regarding the "debt". Third party disclosure concerns itself with the debt, not the lawsuit as lawsuits are PUBLIC RECORD.

*We would be more that happy to allow you the opportuniy to "prove" that our firm uses illegal means to collect valid debt. We do not sue accounts that we cannot prove owed. It's not cost effective and not in the best interest of our clients. By the way, when a debt is sitting on an idividual's credit for three years screaming "bad debt" to the world, where are the false claims issues then? Oh! It only matters when a collector calls, got it!

*No threat, done. As I stated several times, we believe we know who "Pinky" is. Sued and served, and gee no posts since. As to the public forum, uh hello! Lawsuits are public record, read the classified section of the paper for public notices.

*Of course we discuss lawsuits, that's what our client's hire us to do. As to your bad experience with a bill collector (now we've got it, an angry debtor), I had a dry hamburger once, it doesn't mean all burgers are lousy. Using personal experiences regarding an experience when such experiences are common to most at one time or another and expecting anyone to believe it the norm is well, BIZARRE!

*Many complaints? Really? In relation to the numbers of accounts we handle and suits Mr. Mickell files, I would think any non unhappy debtor would think them to be minimal. In fact, several of the posters on this board have brought attention to what the real issues are, sorry Chuck. By the way, please post any information regarding judgments entered against this company for any violation of law and note any record of California State Bar reprimands against Mr. Mickell.....I didn't think so.

*What you are smelling is more than likely your breath. We don't hide our address and yes it's on our communications. But, if you call or if Pinky calls, yelling and swearing, you get nothing.

and lastly....

Learn what libel is, learn how damages are determined and learn that calling someone a liar for making statement that is untrue and with the intent to damage another's reputation or to excuse their own irresponsible beheavior is not libel. I just don't imagine life's successes would be trolling sites such as these to sing the praises of the irresponsible, do you? 

"Why don't you jump on the team and come on in for the big win?"

As you stated.."making false claims"  yet you basically admit in your rebuttal to what the poster is saying, at least this is what is coming across.

"Because the poster has failed to include his or her name, we do not have the option of allowing a court to give credence to their allegations.  Because there is no doubt as to who this individual is, suit should be filed and served hopefully next week and information regarding that litigation will be posted as an addendum to this rebuttal." You again are threatening them in a public forum. Good job.....

As for this statement, " It is not an everyday, weekly or even monthly occurrence when our staff is forced to endure verbal abuse by a debtor. In this case it was extreme and unwarranted. Both the poster and the witness are guilty of
a most disgusting verbal assault on myself and my staff." I am sure that this person did not start with the nasty things said. I have received a phone call from a collector who btw had the wrong person and name and they were abusive because I would not say I was Jericha. Who is Jericha is what I stated. I was called a low life, scum, ect. AND this call was not even for me!!!!! It was amazing.  One would think that that if the allegations made by this consumer were
true, this person would have no fear in including his or her name to the post.  Obviously, protecting oneself from a libel suit was a  consideration as important as smearing our business. One would also think that if a business was guilty of such things as we are falsely being accused of, there would be numerous angry posts about it on the Internet rather that this one, single, misguided entry. " Lies ...check out how many complaints have been posted on your "wonderful, upstanding" company. I laughed a little. Yet in your first paragraph you threatened a lawsuit. Yeah your upstanding. Wow what would we do without you?

"This person claims to have received a letter from us, and also claims that we would not give her our address.   This is not only untrue, but makes no sense at all.  Our address and telephone number are prominently printed at the top of every letter that we send out.  Clearly we are not refusing to give out our address.  This person is apparently
complaining that we wouldn't give her information that we had already given her.  Why would we refuse to give her information that we had already given her?" This makes no sense. Why would your upstanding company NOT give them the address? Shady??? If it is posted on your toilet paper you send out then why when you call and harass would you NOT give the address??? I smell BS...

"When a debtor, moves, and refuses to give his or her new address to his or her creditors, in violation of their credit agreement, how else can a creditor locate a debtor other than through friends, family, or employment?  This is completely legal.  And it could easily have been avoided if a debtor gave the creditor notice of the new phone number and address, as he or she had agreed to when he or she borrowed the money in the first place.  Is it an honorable, or even a logical thing to incur a debt, not pay it, hide from the creditor, and then complain when a creditor attempts to find them, using legal methods, just to get them to pay their bill?  Please note that nowhere in the post does this
person claims that he or she did not owe the debt.  "

Can a debt collector contact anyone else about my debt? If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you dont have an attorney, a collector may contact other people but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.
There are indeed scams out there, and people should be careful to whom they pay money.  However, this company is NOT a scam.  We legitimately collect for legitimate debts by legitimate creditors.  Contrary to the claims of this consumer, we will provide verification of debt if requested to." Do you think someone is going to pay you money unless you provide a valid debt???

If you have had anyone pay you money without getting a valid debt then they are morons. Does your strong arm tactics work ? Does harassing someone work? What does your company say ?? Do you say pay us you loser. You took money you sorry pita. ECT ECT?? I bet you do.

"We do not "threaten" to file lawsuits against people.  Frequently a particular matter meets our suit criteria, in which case we have the matter referred to an attorney who does file a lawsuit.  If an account meets our suit criteria, and we intend to have a lawsuit filed, we do so inform a consumer, which is not only legal, but seems only fair.  Apparently this consumer is upset that we gave her the opportunity to avoid additional legal fees and court costs by avoiding a lawsuit.  Most people appreciate this opportunity.  Either way, there is nothing illegal or improper about letting a consumer know what we planned to do if a debt was not paid.  Federal laws even provide that this notification is specifically allowed." You seem to be avoiding what your company said and putting it back on the "customer" which by the way I may add your "company" probably used strong arm tactics on 40 people that day. So again you are threatening them. Yet you have not provided a valid debt and if this person got your company on tape saying nasty things , then you do not have a leg to stand on sunshine.

"I am dismayed but not surprised that this consumer would be so irresponsible to advise people to "not pay... (a debt collector)... anything", and just continue to check to see if they have been sued.  This is rather poor advice.  By advising people not to pay their legitimate debts when a collection agency contacts them to pay them can subject these people to negative information on their credit reports, additional penalties and interest, additional attorney fees, as well as a
potential money judgment against them.  This is clearly an angry person who wants convince other people to make the same unwise choices that he or she made." Now I notice how you have changed it from she to he or she. Back tracking a bit aren't we? Debt collectors also are prohibited from saying that: you will be arrested if you dont pay your debt; theyll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend
to do so; or legal action will be taken against you, if doing so would be illegal or if they dont intend to take the action. Yet you already in paragraph one told , and I use your words here "HER" told her you were going to take legal action.

To the OP...Report any problems you have with a debt collector to your state Attorney Generals office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney Generals office can help you determine your rights under your states law.

And Rob, Robby, Robert, your P.S

"Anyone seeking an easy way to confirm that poster is a liar can test one of their claims. Our office is located in a Regus managed property. Their number is 951 710-3000 and you are free to call and inquire if Triad Associates is a client and leasing office space. "

This statement could be considered LIBEL. You know the word. It probably could be filed under harassment also. Calling someone a LIAR is not in your best interest when your a "legit" collection agency.

Hey Rob..Robert...Robby..Do you happen to know "John" from Palisades? Just your remarks alone could get you in trouble. I checked out the company and this is a bottom feeding company . How much did you buy the about to expire/expired collection for? Pennies on the dollar?? You people never cease to amaze me. You obviously do not know that what you are doing is illegal. Could you possibly give me the address of the company you own ? You may want to check this page out...
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

Bottom feeding debt collectors are disgusting. I have a feeling after all this your wonderful company will not be doing so well.

As of us not using our real names. Its none of your business who we are. Is Paul your real name? Is it any of your business who we are? In this day and age most people are very guarded when giving their real names. Because we are not morons. But giving your real name when being a bottom feeder collection agency is just ignorant. I would say best of luck but with everyone sticking together to get rid of so called "collection agencies" of your kind would make 2012 the best year ever.

That would be fun and I could inform you of all the individuals that you speak of reports.  Ideas? Got me there.  BUT if you have one I would love to hear it.  I do enjoy proving morons wrong as do some other individuals here - Hey to all you that defend bad businesses! Well being that said - crawl back in your hole C.

Hey everybody!!! I just wanted to poke my head in and say HELLO! ............Hi Charles!!!!!!!!!!

Thanks Stacey - RE your post on another report where you've seen me post RE Ladybug and the Super Sekrit Service (aka her debt collectors).  Would love to catch up with you here in Dallas but they dont' seem to allow us to post emails for contacting each other - any ideas?   I am having an ongoing rather funny debate with Charles - he is losing but hey what can I say.  Hard to have a battle of wits with someone missing so many braincells.

Hi Rob, don't worry you can't reason with Charles no one can.  He fills his pathetic life coming to Ripoff reports (been doing it for 10 years now) in support of every deadbeat out there (FYI Pinky not saying that is you just that he does this).   One can only assume Charles has intimate frequent experience with debt collectors himself - otherwise why his ranting responses.  Check out Ripoff report #839289 if you want a few really good laughs.   BTW - do a google search on Charles Chuckles Ripoff Report and you will get only a few examples of what I'm talking about.   In fact, would invite you to post on that report # as well as the one referred to with ECMC another debt collections agency.

Hey Rob, Thought you might enjoy reading these two reports.   Of course Charles was the first to jump right in and defend this lying whacko deadbeat.
Report: #737158
Report: #839289

It's not Charles Paul Edwards is it?  Last name?

Figured as much.   Then you will enjoy his latest posting on Report: #839289.    Always trolling this site and willing to come to the defense of every deadbeat and loser in the world.  Perhaps he feels these are the only people willing to be his friends.  I would laugh but is so pathetic really.

A person who refuses to take responsibility for his actions as well as his mother does also.  Blames all his problems on "Bad Business(es) but in truth any Person or Business he or his mother comes in contact with are "scumbags, thieves, liars" etc etc. Just type in Phenix City, Alabama and there are over 10+ complaints these past couple of years by Charles.  There are more out there but I cannot locate them

Charles calls me a b*ch and evil witch but the funny thing is he cannot spell my name correctly.

I am sure he will be posting on this thread soon.

Yes, indeed, your assessment of Chuckles is right on target.  In his world no one should ever have to pay back a debt, all law enforcment officers are crooked, as are all insurance companies.  He is a real piece of work.  He and his mother continuously try to pull off scams, but neither are smart enough to get away with it.  He has also been banned from several businesses and physician's offices in Phenix City.  I understand that he is also a frequent resident of the local jail.

Dear TruthSayer and Rob of Riverside.  What the heck is it about this Charles character.  He posts all over every board of every loser who doesn't pay their bills saying it's not that person's fault and all the debt collectors, banks, heck everyone else is wrong and we should feel so sorry for him.

Seriously Truthsayer you seem to have more experience with this nutcase.  What is his issue that he posts all over the place only to be bashed and then come back and ask for more.  Sounds a bit sick to me.

Actually I should clarify an earlier statement about having no debt.  I meant no unsecured debt.   Obviously a mortgage and a car lease count as debt.  Although I suppose I don't think of them that way as I could technically pay off both if needed.

Listen I am not a fan of those debt collectors who violate the FDCRA and are abusive to debtors as stated previously I think the smart ones work with the debtor since obtaining payment and/or payment arrangement is after all the best and most profitable outcome.  I have had collectors fired for abusive practices back when I was in the banking/finance business.   At the same time I remained amazed at debtors who thought nothing of not paying on their credit cards while paying on expensive cable, cars, etc. that they could have done without.   When I started out I didn't have cable, I didn't have a mobile phone, I walked to work, I had no credit cards, I saved every penny I could so I have little tolerance for debtors that pay for what they want but not for what they need.  

When I lost my entry level marketing job back in 1983 when all the S&L crisis crap hit, I actually had saved enough money that along with pulling unemployment benefits (which I hated to use but had to) was able to pay all my bills and stay afloat for 9 months until I found work again.   Over the 28 years I've been working I've been out of work 2 other times.  Once for 2 months and once for 4 months.  The first time I didn't eve bother with unemployment the second time I did.  Both times I still managed to pay my mortgage and all my other bills because I had saved enough money to see me through the hard times rather than blowing it on the latest wide screen TVs and other gadgets.   While I can technically afford to live in a much more expensive house than I do, I've seen others like me do that to their regret when they lost their jobs.   Seriously as a nation we all need to learn to save money and not buy all that fancy s**t just because our friends do.  

I think the only people who have a real excuse are folks that have been hit by catastrophic illness in the family - ex. someone who's child ends up with cancer and they have to pay a ton because the insurance doesn't cover everything.   Those kinds of situations which are truly out of your control I have some real sympathy for and I think there need to be exceptions for pursuing debt in these situations.  Those situation that are in your control -like buying a more expensive car than you can really afford -  not gonna get much sympathy from me.

In fact I grasp quite well.  Before I was in sales I ran risk management and credit for one of the largest banks in the USA.   One of my responsibilities was to ensure compliance with FDCRA and a host of other regulations.   I have a mortgage for $452K at 3.25% APR with 65% equity.   I have enough in investments to pay the mortgage off but chose not to for the write off benefits (I make over $250K a year) and because my money makes more in other investments and the house appreciates in value whether its paid for or not.  I lease my car for write off purposes although I have in the past had a history of owning cars outright by paying cash as I never could make sense of the idea of financing a depreciating asset. 

If you could actually read you would see from my prior posts that I do indeed have credit cards.  However, I choose to pay them off every month as I believe in not buying what I cant afford to pay for in cash.  I use credit cards because I dont like carrying around cash, they help me keep track of my spending, they allow me to dispute a purchase with a merchant if I have an issue with merchandise, and they help me build a solid credit history.  A credit history that by the way happens to include a credit score of 832.   But hey, you know what, Ill put it out here unlike other people attached is a sample of just some of my earnings history.   Holy cow I even once made over $500K. So now we know why Rob can't afford me.  Heck, maybe I will even put my credit report out here sans the SSN.   In any event I doubt I would have a 832 credit score without a mortgage, credit cards, a car, student loans from putting myself through college, and most importantly paying them on time.  I have had ups and downs and employment has not been perfect over the 28 years Ive been in the workforce.  But unlike many who chose to have it all now or keep up with the Joneses I choose to be prudent, make and defer making purchases of large ticket items until I could truly afford them and until I had enough cash in savings to see me through the rough patches of being out of work. 

Look I know there are some situations that are truly horrific such as when someone in a family has a unexpected serious long term illness or accident and in these situations I believe some forebearance is called for.  But Ive little sympathy or understanding for individuals who knowingly choose to live beyond their means.  I didnt start out with what I have today.  When I started out I lived in a tiny 1 bedroom apartment with a s**t car worth all of $600.   I know what it is like not to have things but I was responsible back then as well and still managed to save money and not get into financial trouble.

What's the matter, can't grasp?  You have never bought anything on credit?  Never had a mortgage or financed or leased an automobile?  If you have, it means you probably could not pay cash up front for the item.  Most people having credit problems did not have financial difficulties at first and could afford to pay at the time but, circumstances led to an inability to pay.  Therefore your advice is STUPID and after the fact.
I'm done playing with you too.

No problem.  I had never assumed any of your comments were directed at me since I neither have any debt or have been the recepient of any debt collection activities - other than those where the collector had reached a wrong number.    I have merely found the exchanges on this thread to be interesting and informative.

Good Saturday! Just a quick note, thanks for your rational approach to these important issues. I apologize for being a bit heated with you earlier on. As to Pinky, can't be 100% sure but I would be 95% sure that my guess is correct. As I said earlier on, we don't have an over abundance of truly abusive individuals that we are forced to deal with. We do get upset people during the post judgment process but during the very early collection efforts, not so much. Now there is a person who contacted my office about a month ago. They were truly, truly abusive. Refused to discuss the debt, swearing, yelling and making threats. I told her to cease calling but she continued calling and giving our staff the same hard time. She also had her mother calling, claiming to be a paralegal and repeatedly making threats as well.

During the calls she never raised any issue regarding owing the debt, etc. Rather she was upset that we had located and called her business. The validation demand came nearly 2 weeks later by mail. It goes without saying that we verify employment etc. before we spend our client's money on suits. At no time did she ever attempt to discuss the matter in a respectful manner. Also, the reporting on her credit report was that of a charge off/bad debt. It had been reporting as such for nearly 3 1/2 years with no notice of disput to the bureaus. It had also been with a minimum of 3 different collection entities including the original creditor.

In closing, we have a primary responsibility to ensure that we do not waste our client's investments in these debts and their money on bad lawsuits. Suing is our absolute last ditch effort in collecting bad debt. In this individual's case, if she had presented my office with any information indicating that the debt wasn't hers, fraud or already paid, we would have followed up on her claims, that is also part of the collection process. As you know, purchased debt almost always has a recourse period. We owe it to our clients to protect their investments and trust in us. Have a great weekend! 

Hey Rob, just curious how do you know who Pinky is?  

1. Obviously, the pruient nature of the goings in an L.A. bldg as relayed by an unhappy poster shows a rather bizarre interest on your part in such things. Not bizarre in and of itself, but bizarre as it relates to a discussion about debt collections. I have to believe that the impact of a minority of debtors on the country's financial health would be at least equal to concerns about public sex and and unhappy tenants concerns, stupid me!

2. Sorry to confuse you but your response proves my point. You see, corporations, llc's, etc. merge, change names, add names, create new entities within entities, etc. Common practices, goes on all the time. So what does Triad being in business since 8/11 mean to you? It's none of your business. Your business should be paying your bills!

3. Attempting to convince strangers who know nothing about you and have no way to validate what you're claiming by "TELLING THAT TO MY BOSS!", etc. These are standard knee jerk responses by those who've never learned to debate and those who in fact, are or are not what they wish they were or what they wish they could be. "since you know that I'm not detailed oriented, then do you know what I do for living. Go ahead take a guess".

Why would I care? The detail I was alluding to wasn't what you do for a living, how the Fu*k would I know that? It was the sloppy work you did regarding Sidney Mickell. What the hell did his address have to do with anything? The issue was the fact that he is a collection attorney and in GREAT standing with the State Bar of California. AND YES, THAT MATTERS!

Lastly, how can anyone know your true credit profile? You want to bet, I told you how to go about it. And why would a person with such great credit come to a board started by an unhappy debtor who is being sued for non payment of a legal debt. I am here to defend my business and the hardworking people who pay their debts. You are a debtor here to protect your errant ways.

Good effort "PINKY" but....You forgot to mention what's on tap for you next month. Also, you failed to point out that an "F" rating on the BBB is but a matter of opinion and normally made by a customer for a service rendered. In this case, 1 unhappy debtor like you could give a collection agency or an attorney an "F" rating. The real measure is the State Bar of California. If a debtor has ever had an honest or legitimate issue taken up by the State Bar, it would be a matter of public record. Uh oh! Me thinks "PINKY" is accusing the State Bar of California of being in cahoots with Sidney Mickell!

As to the lawsuit you so proudly mention, you failed to mention any others (and I have to believe you would have if you could have). You also failed to mention any of the facts in the case, so here are a few:

*The court refused  to allow  Evons attempt to turn the lawsuit into a class action

*Evon was in fact both sued and served at work

*The letter sent to her job was required by CCP 1033 (a statute that calls for notice to be sent prior to suit if fees. Etc. are to be sought. You should know that we sent one to you)

*The court advised Evon that they would receive no more than 2000.00 as there were no damages other than the letter being sent to the job

*Evon accepted the settlement, then tried to appeal the courts position

If you are going to attempt to defame this business or Mr. Mickell, at least do a good job of it. Of more interest is your obsession with validation. Your validation rights had been ignored by you for years (as your credit profile proves) and only now is it important because youre being sued.  Youve failed to handle this matter in an honorable manner with the original creditor, two other collection agencies and us. Now, this matter will finally be resolved in court. And by the way, those complaint you mention, unhappy debtors just like you who think they can escape their obligations by point at others. Its behavior as old as Cain and Able.
 

Thanks Pinky, I like to think of myself as a rational person.   I always wonder one thing though, why debt collectors dont handle the process a bit differently.  Let me explain first by telling you a bit

about myself.   Im in sales.  Im very good at it and I make very good money.   The reason Im good at it is that I listen and that Im able to get people to do what I want.   Logically I would think debt collecting isnt too different.   It would seem to me the most productive approach would be to work in a respectful and consultative manner with the debtor and make sure they understand how not taking care of the debt can impact their credit score which will impact the rates they pay on auto insurance, etc. etc.   Listen, understand their situation, and explain youre there to help by working out a payment plan

that will avoid negative credit reporting, etc.   If the debtor yells screams and cusses, I think the most effective approach is not to respond in kind but to calmly state something like "sir/mam, please don't yell/cuss at me I'm really only trying to help you avoid this turning into a worse situation".   If the debtor refuses to work with you or lies and doesnt make good on the payments give them one more chance.  If still a no go then move on.  Its a bit like sales.  Let me explain.   Lets say I have 100 accounts and 12 months to sell enough to make my quota.   The smartest thing I can do is spend my time with those accounts that want to work with me and buy something in the next 12 months.   Every minute I waste on someone is isnt interested takes time away from someone I can sell.    If a debtor is one of those that simply cant or wont work with you, it would seem to me that continued harassment and calls is a nonproductive use of time time that would be better spent with someone who is willing to work on a payment plan.   If the debt is big enough and the debtor is refusing to cooperate then I could see where the collector would likely work to get a civil judgment so that the situation can be forced through liens or wage garnishment.    In the end consumers need to be responsible for the debts they incur and educated about what their rights are and how long an old debt can legally be pursued.
 
Ive had a number of interesting situations where a collector called my number (when I had first moved into my current house) looking for someone who was delinquent.   Some collectors are smart and will listen when you explain new number Im not who youre looking for   Smart because they know that every minute they waste talking with someone who isnt the debtor is time theyre not using to collect from someone who is.   Occasionally I get the dimwit who refuses to listen.  I figure out what company theyre from, call their corporate office and read the riot act to management viola no more calls.   Additionally, I find out who the original creditor was in one case it was Verizon the same provider for my current phone service.   I called them and told them in no uncertain terms I wanted my phone # removed from the account they had placed for collections so I wouldnt have the same problem again when they farmed it out to a new collections agency.  My suggestion is if you get a call on a debt that isnt yours or they have the wrong person, its best to take the time to clear it up with the agency and the original creditor much easier and less stressful than exchanging ongoing phone calls and insults.

#1.  You couldn't afford the pay I would demand to do the job, not that I would do the job, and I absolutely WOULD look at porn.  If you have an IT guy that is only 10 times as good as your registered agent, then he couldn't possibly be smart enough to put a web filter on your computers.

#2.  What the hell are you trying to say here???  You are making no sense of anything. 

"Also, you've demonstrated zero grasp of how corporations/llc's set themselves up for tax purposes etc."

You, allegedly, own a collection agency.  If you gave me a job, how would that job have ANYTHING to do with how corporations/llc's set themselves up for tax purposes?

#3.  "You are not detail oriented, don't take the time or have the smarts to really do your job."

Tell that to my boss!  By the way, since you know so much about me... answer this.  What IS my job?   I will put my money where my (big) mouth is.  I will mail you 500 dollars, in any form you want, by overnight mail if you so choose, if you can come within a football field of what I do for a living.

Obviously, since you know that I am "not detail oriented, don't take the time or have the smarts to really do your job", then you know what I do for a living.  Go ahead, take a guess.

AND THERE'S NO BET!!!!  If you are right...or even come close....you get 500 dollars.  If you are wrong, all you risk is some public humiliation, and you have gotten plenty of that from me, so what's a little more?

"Had you actually taken the time to present correct information on Sidney Mickell, you would have noted that he is an attorney. Had you then gone to the State Bar web site, you would have seen the following"

I said he was the registered agent for service of process.  I'm sorry.  I guess I should have clarified that he is an attorney.  I had no idea that a business owner who uses his services would not realize that the attorney who receives lawsuits against his/her company is referred to as a "registered agent for service of process".

"Had you actually taken the time to present correct information on
Sidney Mickell, you would have noted that he is an attorney. Had you
then gone to the State Bar web site, you would have seen the following"

I went to the California bar association web site.  I looked up Sidney Mickell.  I found his office address, which is the same as his home address.  I posted what it says on the California bar association web site about Sidney Mickell.    Which information did I present that was not correct?

"YOU ARE FIRED!"

Your first sentence of your post said, and I quote "Of course you can't work for me."  Shouldn't you have put "YOU ARE HIRED!" somewhere between the first line of your post and that one?  Do you really think you can fire me from a job you wouldn't hire me to do?

"I will contact you and we will prove that your credit stinks"

My credit score fluctuates between 760 and 790, depending on what my card balances report for the month.  If you were to try to prove that my credit stinks, you would have to get enough information from me to commit identity theft.  I will not allow that. 

"and that you MUST spew your filth on this site because you are compelled to
defend your ilk""

I went back over my original reply.  I quoted you, several times, I posted how long you have been in business...I posted the home/office address of your attorney/registered agent for service of process...a couple of reviews of the building your attorney lives in...then I asked you if you thought you were doing very well.

Which part of that was filth?  Was it the part where I exposed you and your attorney to the light?  Sunshine is the best disinfectant, you know.  When the OP says...

"when i called they wouldnt give me address outright I said how can i pay you ever if no address?"

There is something SERIOUSLY wrong afoot.  So, I found your attorney's home/office address, and posted it, so that the OP could demand proof of this apparent debt. 

Was that filth?  Would you rather have just been able to stay in the dark, where nobody could find you?

Rob...do you REALLY think you are doing very well?

You are just chomping at the bit to hear from me....well here you go. Ok, so you have lots to say I see, still insulting, assuming things I am enjoying this debate. The "Attorney" you defend has an "F" rating with the BBB and has over 19 complaints against him. http://www.la.bbb.org/business-reviews/Collection-Agencies/Law-Offices-of-Sidney-Mickell-in-Montclair-CA-13206881

There has been class action lawsuits and from what I have read you All operate the same, Evon v. Law Offices of Sidney Mickell (U.S. District Court, Eastern District of California, Case No. 2-09-cv-00760-JAM-GGH The complaint and the MO sound awful familiar, and wow, Mr. Mickell refused to provide any information about the debt, suprise, suprise, harrassment at work, this all sounds so familiar!

In a class action complaint, Lemberg & Associates is representing Catherine Evon, who is suing the Law Offices of Sidney Mickell for alleged violations of the federal Fair Debt Collection Practices Act and Californias Rosenthal Fair Debt Collection Practices Act.  The suit alleges that the Law Offices of Sidney Mickell sent a letter to Ms. Evons place of employment, knowing that her employer prohibited employees from receiving legal correspondence at work, and that sending such correspondence ensures that third parties (such as the employer) will become privy to consumers private information. In addition, the letter threatened legal action, wage garnishment, bank account levies, attachment of assets, and accrual of interest and attorneys fees all of which are impermissible under the law. When Ms. Evon requested, in writing, that the law firm stop communicating with her and stop contacting her at work, the law firm refused. In addition, the law firm refused to provide Ms. Evon with information about the debt, and then threatened to serve legal papers to her at work. Furthermore, they contacted her employer when trying to collect the debt. Because these types of collection letters are mass-mailed form letters, it is likely that many other consumers received these notices. By bringing this class action lawsuit, other consumers will be represented as well.

There is the link look at it for yourself. But I am sure you know this already.

As for all your ranting about how people who have old bad debt are thieves, I am not going to respond to you, it is pointless to argue with an irrational person. You have your opinion and are welcome to it, just as I am welcome to mine. Which is why we are all here in the first place isnt it?

Anonymous in San Diego, your post was a riot, thanks for the giggle

Tagurit, they dont validate, at least from what I have seen and read, experienced. I would not presume to say you work for Rob, you sound a bit to logical for them.

Thats all I have to say today about this circus...for now. I will continue to post more findings to substantiate my complaint when I find them.

I stand by my earlier advice.  Don't buy things you can't afford.  Your statement that everyone does it is patently false.  I don't - therefore EVERYONE does not.   If we're going to stick with facts then let's do just that and don't use words like everyone, always, and never for the very reason that all ecompassing statements are usually wrong.

I don't see Rob saying that his organization doesn't or is unwilling to verify a debt.  I don't see him saying his organization won't work with a debtor who is making a real effort to make good on the debt.  So here's my question, what is the problem?  

We all know there are scammers out there that call pretending to be collectors and threaten all kinds of nonsense.  I would hope people aren't so stupid they would fall for one of these scammers without verifying the debt.  I cannot imagine someone not knowing if they actually had an outstanding debt that hadn't been paid.  Isn't that what credit reports are for?  It's not difficult to get a copy of your own credit report.   And, as a matter of ongoing practice these should be reviewed on a regular basis for accuracy.  So, if some scammer calls and threatens you know you can tell them to buzz off.  But, if you owe something then man up and take the call and work something out.

And, since I know some idiot on this thread will say I work for Rob, let me set the record straight right here and right now.  I don't.   Frankly Rob can't afford me.

Geez must admit this has been fun to watch as a bystander.  So far, I count Rob in the lead.   Unfortunately I'm not one of the folks in a pickle financially so I can't take Rob up on his bet.  Don't really need the $500 either but it might make for a nice dinner out.

Of course you can't work for me.

#1 I'd be paying you to do a job but you'd be spending your time enjoying porn.

#2 You've demonstrated an inability to inderstand the nature of business, meaning, go on any search engine, search a business and find negative posts. I.E. look up your favorite eating establishment on Yelp. Also, you've demonstrated zero grasp of how corporations/llc's set themselves up for tax purposes etc.

#3. You are not detail oriented, don't take the time or have the smarts to really do your job. Had you actually taken the time to present correct information on Sidney Mickell, you would have noted that he is an attorney. Had you then gone to the State Bar web site, you would have seen the following:

Actions Affecting Eligibility to Practice Law

Disciplinary and Related Actions
Overview of the attorney discipline system.

THIS MEMBER HAS NO PUBLIC RECORD OF DISCIPLINE.

Administrative Actions

THIS MEMBER HAS NO PUBLIC RECORD OF ADMINISTRATIVE ACTIONS

Yet, if you Google Mr. Mickell you would find many an unhappy debtors. Why, because he sues lots of them here in Calif. So what should we conclude? Well, Mr. Mickell is hated by those of your ilk, but stands in the good graces of the California's State Bar....Who should we trust, you or the State Bar of California?

YOU ARE FIRED!

And one last thing, if I couldn't afford it, I wouldn't had offered the bet. So let's put your money where your big mouth is. You set up a new hot mail account. Post it here. I will contact you and we will prove that your credit stinks and that you MUST spew your filth on this site because you are compelled to defend your ilk. If I'm wrong.....You get 500.00! But, don't resort to foolish statements like my business can't afford to pay off a bet, Man up! Let's gamble!

I want to see how you use your psuedo intellectual claptrap to explain.  You are correct on one count, you will always have a job, people will always be in debt and not be able to pay.

I still don't buy any of your succesful judgements.  Please cite case numbers.  You  talk about being correct and moral all the while you are threatening people and calling them scumbags.

You are not fun anymore, you are exposed as the liar you are, which is probably a virtue for your position, and you bore me.  I don't believe anything you spew.  It's like rebutting a psychic.  Thanks for playing.

According to your report of Friday, January 27, you are the director of Litigations for Triad Associates LLC.  The very next day, your post said you own the agency.  I would love to work for a place with such a huge potential for advancement.

Now...

Your post on Saturday the 28th said, and I quote "I happen to be one of those alleged scumbag bill collectors. In fact, I own my collection agency and am doing quite well thank you very much."


Let's see...the California secretary of state says that Triad Associates LLC has been in business since
August 1, 2011.  Not a lot of time to be collecting money.  That would explain why, according to the CA secretary of state, the registered agent for service of process, Sidney Mickell, works out of his apartment at 1229 N SYCAMORE AVE STE 115, LOS ANGELES CA 90038.

Let's Google that address, shall we?

Here's a review I see on Yelp about the building....between the XXX's...

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Bum camp/ trans-gender prostitution in the stairwells and roof!
From: -Anonymous-
Date posted: 11/3/2011
Years at this apartment: 2011 - 2011

What
ever you do DO NOT MOVE HERE!!! It's really unsafe and managed
horribly. Every night around 12am the tranny prostitutes get into the
building and go into the stairwell to shoot up and have sex. At any
given time you will find in our hallways: Needles, used condoms, fake
fingernails, underwear, lube, human feces,urine,crack pipes, belts,
bedding, clothes and suitcases. There is dog poo smeared into the carpet
in most of the hallways from residents letting their dogs poo in the
hallway. They just recently started construction that will last til 2014
so no sleeping past 8am, never being able to open your windows or use
your balcony due to loud equipment and debris The apartment management
lied to me telling me there would be no construction near my apartment
but they got me !!!  Having just moved from a newly renovated apartment
that flooded my apartment costing me thousands I specifically asked if
there were any plans for construction. They lied.They offer no
compensation for the 10 more months I'm stuck on this construction site.
They will not let me out of my lease because they can't rent it now
because of the construction being so loud.. Also 4 cars have been
robbed, windows shot out and everything taken by crackheads since I've
lived here and I've only lived here for almost 3 months!!! What ever you
do not not rent here. Management will lie and smile in your face while
 they  take your money and never do anything about major issues.

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

However, I will allow that reviews could be skewed so far off that they reach the point of absurdity.  Let's see what the next review says...

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

The new management company that handles these buildings is indescribably
bad. They do not care and it will take more effort than it's worth to
get things fixed - which is just what they want. They assume most people
will give up!  Never before would I have known to research a property
management company of a building before dealing with these guys. Now I
know - thanks HMMY!

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Wow.

I would say that I hope you are doing better than the person who receives lawsuits against your company, but seeing how he lives in conditions that I can't believe people in a civilized country would put up with, I have to assume you are. 

I would love to take you up on your wager, but seeing the address that the registered agent lives at, I cannot believe that everyone in the business combined could possibly come up with 500 dollars, much less you alone.

Rob...do you REALLY think you are doing very well?

Well, defend what's right and sooner or later it pays off. Case in point, Inspector. His/Her's most recent post projects beautifully:

* "Perhaps if the credit card companies stop drowning us in credit card offers they would not be in this fix but that would mean no job for you and you may miss a credit payment".

He/She has NO respect for the individuals their heart bleeds for. So stupid, so lacking in any form of self control, they are unable to throw that lousy credit card offer in the trash. So lacking are they in character, that they are forced to get themselves into debt over and over again. Sort of like that 300 pounder who just can't say no to that 2nd Mc Rib. Those of you who fit Inspector's profile of a pathetic, spineless deadbeat should be honored to have him/her whining for you. Who needs to fugure out what the hell Jesse Jackson said when you've got Inspector on the case.

"As far as the rebuttal about only buying what you can afford, sound advice but not realistic since no one follows it, and where would Rob work?"

SINCE NO ONE FOLLOWS IT? So, inspector's view is that we ALL get ourselves into debt and act out as though it's someone else's fault? No Inspector, I ill always have work because of yhose like you and your spawn.

"since I have known quite a few people that have beat people like you and I know of no one that has lost their property, had their wages garnished, or had to pay back the full amount owed".

*Does that sound like a statment made by a person who knows anything about character, honesty or integrity? Note that he doesn't mention a collection entity stupid enough to file a lawsuit when they knowingly can't prove up the debt. Beat people like me? The only way they win is if we can't prove the debt owed, if we can't prove it Nimrod, we don't sue it. Bottom line, you never mentioned once paying what is owed, just excuse making and ducking.....It's call projecting.

Lastly, I was hoping that the person who started this interesting board Pinky, would put up an update. My understanding is that something interesting happened, something that sort of puts to rest the "they only threaten suing whine". Oh well, so much for putting one's money where there mouth is. 

I know nothing about the bottom feeding profession but, I do know something about the retail profession and trust me in that Walmart knows about the DVD.  The cost to the taxpayers and consumers will far exceed the price on the label.
Perhaps if the credit card companies stop drowning us in credit card offers they would not be in this fix but that would mean no job for you and you may miss a credit payment.

As far as the rebuttal about only buying what you can afford, sound advice but not realistic since no one follows it, and where would Rob work?

Rob's diatribe on debt collection is impressive but ineffective since I have known quite a few people that have beat people like you and I know of no one that has lost their property, had their wages garnished, or had to pay back the full amount owed.

While I might not particularly care for the tactics of some collections agencies, if they abide by the FDCRA then there is really nothing to whine about.  Going to court and obtaining the civil judgement is the last course of action for a collector.   Most will work with you if you make the attempt. 

No, there is no crystal ball that will tell you if you're going to lose your job and therefore have issues paying bills.  But there is something called common practical sense.  Namely don't buy things you can't afford.  Credit is a priviledge and one that comes with responsibilities.  While I happen to have 2 credit cards -  they are for convenience only and I pay them in full each month.  I keep 9-12 months of readily accessible funds in the event I'm out of work so I can pay my bills.  And, I don't live above my means.

Credit is a slippery slope and I encourage folks to pay in cash whenever possible. 

I have sympathy for both sides of the equation here.  It can suck if you are out of work and struggling to make your bills.  I feel there should be some special dispensation for bills resulting from serious and unplanned medical expenses.   Bottom line if your situation is that bad you may have to file for bankruptcy.  And, I can understand the frustration of dealing with a collector that doesn't follow the rules.  I once had one call my cell phone before 8am and threaten to take my house (that would have been a real neat trick considering I live in Texas and have a homestead exemption) but the debt was for a former employer who had failed to pay on an expense account and it wasn't even my debt.  I had to lay out some cold hard facts for this particular collector having been in audit/compliance early in my career and being intimately familiar with FDCRA.   Having had to listen in on hundreds of collections calls I can also understand the frustration on the side of the collections agencies.   There are people out there who complain about not being able to make payments but they still pay for and have cable TV, mobile phone service plans, and other things that while conveniences are not absolutely necessary.   They would rather pay for what they want than meet their financial obligations.   While I'm not all warm and fuzzy regarding Rob, I agree with his perspective in many areas - namely that if you take on the debt it is nothing less than stealing if you don't pay it back.  And, it is those who do not make good on their financial obligations that affect things like interest rates and insurance rates for the rest of us.  It's the same thing as people who get upset when the bank repos their car for non payment.  Again I've some sympathy but only up to a point.   Generally I think if you're sincere in your attempts to work with a collector and are up front with them about your situation I think they will treat you with respect.  For those that don't, just make sure you know your rights a part  of the FDCRA and take action as appropriate.

Charles doesn't even know what Charles is trying to say, let alone anyone else on this planet.

Wow! Simply stunning! Truly, are you able to make magic with the words you spew but.....Your reading comprehension appears to be just as awe inspiring. Oh, and let's not resort to threats of violence. I'm a little suprised that advocating violence is allowed on such a non bias site such as this. Let me help you little buddy. I said in a previous post that this business conforms itself to all provisions required by the FDCPA. If you have a beef with the courts awarding judgments and allowing creditors to collect monies owed, then take it up with them.

My guess is that you've probably failed at most everything you've tried, have a credit profile best left unspoken of and have burned most bridges with friends and family. My guess is that I'm alot closer to being correct in what I just stated than you are of my position with this firm. In any case, it's really not fair for the readers of this thread to be forced into trying to figure out WTF you are trying to say.

...I don't really see the stealing of a DVD as that a big deal either - but it is stealing, whereas defaulting on a debt is not. This is so basic that if you can't get it by now, there is nothing to be done I guess. 

Hey rob your remark's about my,  spelling & grammar don't get to me.  This proves you're a "A******",  he is also the grammar police. Nobody likes the grammar police when they act like their better then everybody else.

I'm also tired of being insulted about my,   spelling & grammar & rob you're the pathetic one.  Rob acts like such a "Bad a*s" behind his computer screen i bet he wouldn't be so brave to say that to somebody's face in person without him getting two black eyes which he deserves. Hey steve rob will never get it he refuses to listen because he is a "PIG".

Debtor's do have right's & people don't have to put up being treated like s**t,  another thing why does rob say he is the "Owner of the Company" he is no owner of anything just a scum bag collector. They are mostly "Bullies" don't let these thugs scare you they are nothing but scum of the earth. People do get fed up with this mess it gets old & boring. No matter how many times a collection as been "SUED" for this type of crap they still do it!.

The federal trade commission can read their responses to people on this site,  that will also go against them even more so let rob continue to run his flapping mouth.  Rob think's he is above the "LAW" that he can talk down to people,  another thing rob i don't let what a******'s like you say get to me.  I don't let what you or other's say control my life.  So you can stuff it! "JERK".

Steve, I guess to you it is absurd until of course you're the one who gets stiffed. What, do you think only banks seek the services of collection agencies? Do you think the only Plaintiffs in Small claims and Superior courts are banks and corporate credit grantors. Are you under the impression that ALL employers pay their employees for their labor? Of course comparing a 1000.00 loan be it on a credit card, personal loan, employee compensation, friend/family loan to an 8.00 dvd theft is absurd! Where do you think the greater damages are incurred, ripping off a friend for a grand or stealing an item that Walmart doesn't even know exists? One you go to jail for and the other? It's fools like you and others making a measly dvd theft a mountain then making a mole hill of true theft which in many cases brings real damages to those stiffed. But of course, in the puny liberal mind set, one which in fact does lack any moral imperative for standards that allow one to balance true right and wrong. In your world, it is they who commit the offense who are the true victim that is until you become the victim.

And Charles, how can one respond to such inarticulate, sad and pathetic attempt and making a statement?

rob nobody has to take abuse from you scum bag collectors.

..but I think he still equate the morality of defaulting on a debt with stealing a DVD or whatever. I guess that is a matter of opinion, but I find it a little absurd. Debt-related matters are simply business, and businesses have a good idea as to the probability of a certain person defaulting. It is a cost of doing business, pure and simple; that is why they have different rates for different risk pools. While I can get a 0.9% rate on a car (granted, it is subsidized, but that is also because of my good credit), a deadbeat will have to pay 18% at the local "buy here, pay here" joint. 

This should be obvious to anyone who buys bonds - you can get very safe AAA bonds with tiny returns, or you can by junk bonds with potentially huge returns, but high risk. 

So again, the decision whether to pay your debts is a business decision, not a moral one. That being said, not paying them is an incredibly stupid decision (you will notice most deadbeats aren't very educated), but that is besides the point.

I think most bill collectors see it as a moral issue because when they can't collect, they don't get their commission. But again, that's just business, and if they can't do their job, they should move on to a different career. 

 First of all, what state do you think we're talking about? If you read the initial post you would know that we're in Calif.

- Actually first of all this is not a CA only site, this is a site that is read by people in probably every State as well as other countries.  So it is always advisable to remind people that laws MAY vary..or do you really not want people to be informed and think that every state is a Community Property State?

This also goes into other "Remedies" there are some states where Garnishment is NOT a possibility for a regular CONSUMER debt(notice I did not say things such as Student Loans, or Government Debts).

Now, I will say that this goes for the OP as well.  They were talking about the Statute of Limitations, again that is for CA. It depends on the State and type of Debt.  Depednging on the State and Type of Debt the SOL may be anywhere from 2 years to 10+ years, although most average between 3-5 years.


Did you not note that all of the "hard" remedies I alluded to were "POST JUDGMENT"? 

- I never said they weren't so what's your point?

Did you not see that as it relates to Debotr Exams that I stated "failure to make an appearance"? 

- Yes, and the way you wrote it IMO it was to try and join a CIVIL debt into a criminal action.  I clarified it stating that those are two separate actions.

As to community property, Calif is one and a portion of a spouse's income can be considered an asset of the community. With an easily obtained order, 12.5% of the spouse's net income can be garnished

- Did I ever say that you were wrong?...NO but I guess you didn't notice that.  I just clarified that not all states are Community Property States. 

However, fraud and embezzlement can also be civil actions. What we're err you're nit picking about, is the spirit of the offense.

- There's that word again "CAN".  The only thing I am pointing out is that you were not talking about CIVIL actions, you were comparing stealing a DVD to a bad debt.  Stealing a DVD equals JAIL, Bad Debt does NOT equal jail.

 If we have employment we know where the debtor can be served

- If they have employment why don't you do the garnishment?  An employer is required by law to do the garnishment.  If they are not then again that is an issue for the courts to deal with.  So why go through the extra expense(and even if it costs you $1 it is still an extra expense).   Well actually it doesn't cost you anything..the lawyers just add it to the fee that the debtor is charged...that is if the gamble of the Exam shows they have assets that they are hiding.

And yes, those who've done their best to escape repaying their debt including thumbing their nose at the court, abusing and threatening our employees,

- That's an entirely different matter.  If they are violating court orders they have to deal with the courts.  If they are abusing or threatening your employees then you need to contact the appropriate Law Enforcement Agency and file a report

Once again in the end you have a job to do, and you are required to follow specific laws.  Debtors have rights and they need to be aware of their rights to know what and what can not happen.

Robert, I have to believe that you're just kidding right? First of all, what state do you think we're talking about? If you read the initial post you would know that we're in Calif. Did you not note that all of the "hard" remedies I alluded to were "POST JUDGMENT"? Did you not see that as it relates to Debotr Exams that I stated "failure to make an appearance"? As to community property, Calif is one and a portion of a spouse's income can be considered an asset of the community. With an easily obtained order, 12.5% of the spouse's net income can be garnished. As to civil vs criminal, HELLO! Of course litigation related to a debt is civil. However, fraud and embezzlement can also be civil actions. What we're err you're nit picking about, is the spirit of the offense.

Now you've done what losers in a debate tend to do, shift the issue. "We wouldn't go to the extreme of a debtor's exam for a 3000.00 judgment". How the hell would you know what we would do? Are you aware that such a remedy is both inexpensive and effective. If we have employment we know where the debtor can be served. We do it regularly. And yes, those who've done their best to escape repaying their debt including thumbing their nose at the court, abusing and threatening our employees, etc. seem to sing a much more cooperative tune when served with an order to appear and a 20 item subpoena.

So again, please do the easily confused a favor, know what you're talking about before you open your pie hole.

First off - the OP is referring to a criminal scam being perpetrated, NOT a legitimate collection on an actual debt. Secondly, as people have tried to explain to you, failure to pay a debt is NOT a criminal action, thus it is not "theft". Yes, one can go to jail for not appearing in court, but that is a separate offense altogether. Interestingly enough, the scammers referred to by the OP try to con people into thinking it is a criminal matter, telling their potential victims that they will go to jail if they do not pay.

I know you have to deal with scumbags all day (God knows I wouldn't want to do your job), but get your facts straight. 

You are still trying to criminalize a CIVIL action.  You talk about Fraud, Embezzlement, Theft.  But when your attorneys file their suits are they filing them in CIVIL court or are they talking to the DA to try and get the debtor arrested and charged with a Crime?  I think we all know the answer to that one.

The court in issuing a judgment gives that creditor powers that include seizure of property, income, spousal assets, property liens that can include forced sales, bank accounts and in the case of Debtor Exams, arrest for failure to appear

If the state is not a Community Property State I doubt you would find any court to order seizing a spouses assets for the other spouses debt.  Heck, even the IRS has an "Injured/Innocent Spouse" provision that gives the spouse relief.  Of course CA is a Community Property State.

Also for someone who owes hundreds of thousands of dollars and the attorney feels that they may be hiding assets you can be sure that a Debtor Exam may happen.  But are you really going to come here and say you are going to go through all of that to try and get someone to pay for a $3,000 Credit Card bill who's only asset is probably a 32" TV, doesn't own a car and has a house that is upside down?  Somehow I don't think so.  There is a saying "You can't squeeze blood from a Turnip".  And attorneys are in business for more than just "moral" victories.

This is not even to mention that the arrest you talk about was NOT for the debt itself, but because they failed to obey a lawful court order to appear.  Two totally different things.

The at issues in a Superior Court action involve the debt not a payment plan for the debtor.
- Yes, but it is also the judge to determine the size of the "judgement".  If they feel that the creditor is asking for too much based on the evidence provided it is in their power to reduce the judgment.

As for the garnishment, it depends on the state and the situation.  Some may require the court to approve the garnishment.  Others may just allow the creditor to file for it without further court approval.  But the debtor would still have the ability to in effect appeal it and request it either be cancelled or lowered.   So the judge has leeway.

Look I get it, your job is to get people to make "good" on their debts.  As such you are going to bring out the most negative things that COULD happen.  I am sure you would admit that you get more people to pay once you bring in the "lawsuit" possibility, than if you just tell them "yea pay when you want we just hope you pay us soon".   It's a well known tactic that works and why just about every collection agency does this.  But as long as you are following the FDCPA then more power too you.


In the end debtors have rights, and if they are sued that they should consult a lawyer and not take any advise as legal advise from some anonymous public forum.  They should also defiantly not take advise from the attorney that is suing them.  A consultation will probably cost them only a couple hundred bucks.  Where if they are going to "go down" another couple hundred dollars isn't going to matter to them, but if the lawyer finds out that they legally don't owe the debt that was probably money well spent.

You are still trying to criminalize a CIVIL action.  You talk about Fraud, Embezzlement, Theft.  But when your attorneys file their suits are they filing them in CIVIL court or are they talking to the DA to try and get the debtor arrested and charged with a Crime?  I think we all know the answer to that one.

The court in issuing a judgment gives that creditor powers that include seizure of property, income, spousal assets, property liens that can include forced sales, bank accounts and in the case of Debtor Exams, arrest for failure to appear

If the state is not a Community Property State I doubt you would find any court to order seizing a spouses assets for the other spouses debt.  Heck, even the IRS has an "Injured/Innocent Spouse" provision that gives the spouse relief.  Of course CA is a Community Property State.

Also for someone who owes hundreds of thousands of dollars and the attorney feels that they may be hiding assets you can be sure that a Debtor Exam may happen.  But are you really going to come here and say you are going to go through all of that to try and get someone to pay for a $3,000 Credit Card bill who's only asset is probably a 32" TV, doesn't own a car and has a house that is upside down?  Somehow I don't think so.  There is a saying "You can't squeeze blood from a Turnip".  And attorneys are in business for more than just "moral" victories.

This is not even to mention that the arrest you talk about was NOT for the debt itself, but because they failed to obey a lawful court order to appear.  Two totally different things.

The at issues in a Superior Court action involve the debt not a payment plan for the debtor.
- Yes, but it is also the judge to determine the size of the "judgement".  If they feel that the creditor is asking for too much based on the evidence provided it is in their power to reduce the judgment.

As for the garnishment, it depends on the state and the situation.  Some may require the court to approve the garnishment.  Others may just allow the creditor to file for it without further court approval.  But the debtor would still have the ability to in effect appeal it and request it either be cancelled or lowered.   So the judge has leeway.

Look I get it, your job is to get people to make "good" on their debts.  As such you are going to bring out the most negative things that COULD happen.  I am sure you would admit that you get more people to pay once you bring in the "lawsuit" possibility, than if you just tell them "yea pay when you want we just hope you pay us soon".   But as long as you are following the FDCPA then more power too you.

In the end debtors have rights, and if they are sued that they should consult a lawyer and not take any advise as legal advise from some anonymous public forum.  They should also defiantly not take advise from the attorney that is suing them.  A consultation will probably cost them only a couple hundred bucks.  Where if they are going to "go down" another couple hundred dollars isn't going to matter to them, but if the lawyer finds out that they legally don't owe the debt that was probably money well spent.

You are still trying to criminalize a CIVIL action.  You talk about Fraud, Embezzlement, Theft.  But when your attorneys file their suits are they filing them in CIVIL court or are they talking to the DA to try and get the debtor arrested and charged with a Crime?  I think we all know the answer to that one.

The court in issuing a judgment gives that creditor powers that include seizure of property, income, spousal assets, property liens that can include forced sales, bank accounts and in the case of Debtor Exams, arrest for failure to appear

If the state is not a Community Propety State no court order is going to sieze a spouses assets for the other spouses debt.  Heck, even the IRS has an "Injured/Innocent Spouse" provision that gives the spouse relief.

Also for someone who owes hundreds of thousands of dollars and the attorney feels that they may be hiding assets you can be sure that a Debtor Exam may happen.  But are you really going to come here and say you are going to go through all of that to try and get someone to pay for a $3,000 Credit Card bill who's only asset is probably a 32" TV, doesn't own a car and has a house that is upside down?  Somehow I don't think so.  There is a saying "You can't squeeze blood from a Turnip".  And attorneys are in business for more than just "moral" victories.

This is not even to mention that the arrest you talk about was NOT for the debt itself, but because they failed to obey a lawful court order to appear.  Two totally different things.

The at issues in a Superior Court action involve the debt not a payment plan for the debtor.
- Yes, but it is also the judge to determine the size of the "judgement".  If they feel that the creditor is asking for too much based on the evidence provided it is in their power to reduce the judgment.

As for the garnishment, it depends on the state and the situation.  Some may require the court to approve the garnishment.  Others may just allow the creditor to file for it without further court approval.  But the debtor would still have the ability to in effect appeal it and request it either be cancelled or lowered.

Look I get it, your job is to get people to make "good" on their debts.  As such you are going to bring out the most negative things that COULD happen.  I am sure you would admit that you get more people to pay once you bring in the "lawsuit" possibility, than if you just tell them "yea pay when you want we just hope you pay us soon".

In the end debtors have rights, and if they are sued that they should consult a lawyer and not take any advise as legal advise from some anonymous public forum.  They should also defiantly not take advise from the attorney that is suing them.  A consultation will probably cost them only a couple hundred bucks.  Where if they are going to "go down" another couple hundred dollars isn't going to matter to them, but if the lawyer finds out that they legally don't owe the debt that was probably money well spent.

" That's not necessarily true.  If a person goes to court, brings proof that they have made sincere efforts to pay(I am not talking about paying $5 a month on a $5,000 debt), and show their expenses the court has the authority to come up with a payment plan that would work for both parties without a Garnishment Order". 

Completely incorrect. You might be alluding to Small Claims but even then, the creditor must agree to such terms. Also, collection agencies and attorneys are NOT allowed in Small Claims. The at issues in a Superior Court action involve the debt not a payment plan for the debtor. The court will not decide issues of income when the cause of action concerns itself with the Plaintiff's request for judgment. Yes, the debtor can file a claim of exemption when the garnishment order is served however, this must be initiated by the debtor (as all efforts to force the Plaintiff to finance said debt). Honestly, if it was a payback agreement the debtor wanted it wouldn't have been years since payments were made. The judges know this and rarely is a debtor granted a complete exemption.

And you are wrong in stating that incurring and failing to pay back debt can be compared to theft etc. Fraud, embezzlement, etc. all have their basis in some type of financial/monetary issue. The court in issuing a judgment gives that creditor powers that include seizure of property, income, spousal assets, property liens that can include forced sales, bank accounts and in the case of Debtor Exams, arrest for failure to appear. And if you want to nit pick, what is stealing? What is fraud? As to how how my staff treats debtors, simple, we don't don't violate the clear cut prohibitons noted in the FDCPA and beyond that, treat others as they treat us.

Truly, it's a shame that there isn't recourse for those who take the uniformed advice found on forums such as these. You and some of these other malcontents should be held legally accountable for the bogus advice you dish out. After all, there are those who might think you know what you're talking about.

People do have rights when dealing with a collection agency. Keep filing complaints to the federal trade commission sooner or later they do something.

Stealing is stealing....there has got to be some bad guys in your neighborhood you can go make excuses for, God knows you're needed.
- Your trying to equate Stealing DVD's from your local Walmart with not paying a debt.  There are no longer any "Debtors Prisons" in the US and these are not legally equivalent.  You can go into the "moral" aspects all you want, but if you want lack of morals as a reason to put people in jail there would be a worse overcrowding situation than there is now.

With a comment such as this I would not be surprised if that "attitude" trying to criminalizing a debt makes it into the calls that at least some of your employees make in attempting to collect debts.  So I would give at least some credence to the OP's complaint.

Now, you are trying to justify your business in various ways.  I am not saying that you don't have this right to go after people who are delinquent.  I am also not saying that a person should just walk away from their debt if they have the ability to pay.  But there are laws that protect the debtor from Collection Agencies.  If a Collection Agency violates these laws the debtor has a right to take them to court.  Just like a Collection Agency can take the debtor to court to attempt to obtain a judgment. 

The judgment and order do not concern themselves with what the underlying debt might have been. Secured/unsecured, the JUDGMENT is what matters and if one is entered then the creditor can get a withholding order.
- That's not necessarily true.  If a person goes to court, brings proof that they have made sincere efforts to pay(I am not talking about paying $5 a month on a $5,000 debt), and show their expenses the court has the authority to come up with a payment plan that would work for both parties without a Garnishment Order. 

This is why it is imperative that if a person is ever sued that they do not ignore it and go into court to be able to present their side.  This is also why some Collection Agencies(and I am not referring to yours) use what is known as "Sewer Service" to try and make it impossible for the debtor to know that they are being sued until it is too late.

You are part and parcel the reason why the U.S. is in decline. So, individuals who secure one credit card after another, make a few payments then fail to pay a single dollar for years are just put upon folks who fell on hard times? That's your understanding is it? It is fools like you who have created a society where lying, cheating and crime are excused and tolerated. At least until you are the victim, then the world has to stop to make things right for you. I think it's interesting to note that you didn't have a single word to waste on the crap advice you tried to give about post judgment remedies related secured/unsecured debt. As far a bottom feeding goes, what do you know about the subject. You've demonstrated a willingness to give advice on subjects you nothing about. You know nothing about the profile of the average credit card debtor. 

Lastly, don't insult those who endure true hardship, suffering and sorrow by making excuses for a handful of individuals who've defaulted on most every credit relationship they've ever had. Less than 5% of the world's population has the luxury of getting into credit card debt and the vast majority of those individuals make good on their obligations. On a daily basis we work with individuals who have REAL hardships, clearly something you know nothing about. These are the folks you insult. They call us and do everything they can to pay their obligations. In most cases their credit reports don't reflect 20,000.00-30,000.00 in unsecured debt with zero attempts to pay for 36 months or more.

So please, save your bottom feeding antics for the judges who award judgments, rubber stamp garnishments, bank levies, etc. Reserve your false bravado for the landlords who throw tenants out on the street, loan companies for repossessing autos, police for enforcing warrants for failed appearances at debtor exams, the IRS and State Tax Board for all the above. You bleed for what you know nothing about but I'll bet you whine loud when you're owed a buck, PATHETIC!

Most loan sharks and even organized crime utilize thugs to collect debts.  To equate deliberate theft with loan collection from those that had no intention of not repaying, just fell into hard times, keeps you sleeping at night.  I am referring to your hard handed, thug tactics.  I don't defend theives.  We are talking about people that have children to feed and keep warm and safe.  If you are offering money and that individual needs it, of course they will take it.
I have known many cases where these individuals would gladly except an arrangement to repay the loan but, you want it all at once so they must seek a company which will obtain such an arrangement. 
My parents once ran a small store in the country many years ago, they gave credit to the locals and the locals paid when they sold crops or milk, one season everything collapsed for these local farmers and they could not pay their tabs at the store.  My parents closed their business all because they could not, in good conscience force these people to pay.  These were decent people that had fallen on hard times not theives.
You sir are a bottom feeder!  No question about that and none of your lame excuses or justifications will change that. 
By the way, most theives don't work so there is nothing to garnish.  Working people would file bankruptcy.

Rob think's that most people don't pay their bill's on purpose. They are over 50 million people who are unemployed. These collector's think money grow's on "TREES".  If they call someone a dead beat they can be held "Liable" for defamation for accusing somebody that isn't true.  Creditor's aren't so innocent they "RUIN" people also, creditors are scum.

So don't be accusing people of trying to steal from creditors.  The creditors are just as guilty .

Pinky:

I think most rational individuals who have made life successful and who refrain from dodging their creditors, who pay back their relatives and who take pride in the fact that they have been entrusted with someone else's money would understand a response appropriate to being called filthy names, accused of law breaking and being called a scam. I am NOT in the service industry, you nor they are my client. If I choose to address those who've made a decision to steal from their creditors and excuse their less than honorable behavior by trying to make the issue those entrusted to collect monies owed in ways that you don't like, too bad. It is a pathetic fact that your post NEVER once mentions the REAL issues. My response to the ill informed and just plain ignorant rantings found in some of these posts is laughable. And by the way, why even bother with a feeble response to my 500.00 wager? Not only would you lose, I'd have to sue you to get my money.

Inspector:

Honestly, why would you throw out information when you have no idea what you are talking about? In order to serve a garnishment/withholding order there must first be a judgment entered against the defendant. You either have a judgment or you don't. In California, up to 25% of the debtor's net income can be garnished. The judgment and order do not concern themselves with what the underlying debt might have been. Secured/unsecured, the JUDGMENT is what matters and if one is entered then the creditor can get a withholding order. As to those in my industry being bottom feeders, oh well! Put me to the test, walk into Walmart tonight, get a handful of blu-rays & leave the store. When the cops show up tell them that they're just bottom feeders. They'll get a laugh and you'll be a jail bird and a thief. Stealing is stealing....there has got to be some bad guys in your neighborhood you can go make excuses for, God knows you're needed.

I'm sorry you are working in that bottom feeding profession but, there is no excuse for calling more than once.  Twice or more is harrassment.  If they did not pay their bill after the first call then, they are not going to.  Take your best shot at whatever legal means you think you have.  Wage garnishment for an unsecured loan is iffy at best and only works with certain jobs.
If these credit card companies quit spamming people with all these credit offers this probably would not happen as often. 
In this economy a guy gets an offer for a $5000 credit line, he is out of a job and presently losing his house to foreclosure and considering bankruptcy.  He is going down anyway why not take the money?  You will get abuse if you continue to call that person and ask for money.  I doubt you receive any abuse from the first call in an attempt to collect a debt.  Most likely the person on the other side of the phone is fed up with your harrassment, so do give me that "we are just doing our job" crap!

ROB: I find it amusing and a wee bit pathetic that those who are giving all the good advice seem to go out of their way to avoid including their identity, "Pinky" indeed, like a mouse. But then again, any idiot taking advice from one of these nimrods and ending up sued or with wage garnishments against themselves or their spouses (that's right, Calif is a community property state and though your spouse may not be named in the suit, a portion of their wages can be garnished) deserves what they get.

ME: This is exactly where you have proven that you are unprofessional and that you let your temper run you. When someone calls your office this superior attitude and insults is what they get. Your first posting and your second are very different, yet the same, thinly veiled threats......Again the name calling and attitude will not get people to do what you want, I am not living in fear, I am well aware of my rights as a consumer, and I am happy to remind you when you violate them. I am also not stupid as to put personal information here, and so feel free to assume away.....

ROB: Honestly, why would anyone but an idiot take advice from an illiterate? It ain't that hard to put a complete sentence together, use correct words and put together a coherent thought! Oh! Almost forgot, all the cons on death row didn't do it! Not one of these "colons of advice" has made mention of the fact that just maybe they've stiffed everyone from banks to their own employers and families. These are miscreants who have gone through life blaming everyone but themselves for their failures (and they are many). It is my hope that the company being subjected to these allegations from a bunch of cowardly nitwits, will update the lawsuit information on every suit they file for the next month. That's right idiots, they can because it's public record!

ME: Again, temper, temper! I did not say oh, don't pay your debts, i said don't pay someone who cannot adequetly verify you actually owe that debt, and If you do then proceed with caution. These methods you use are illegal, abusive. I am not going to just hand over banking info and agree to something that is not validated! That is something an idiot would do, you obviously were hoping I was an idiot. And people need to check out a company such as yours that buys debt, are you in fact assigned by the original creditors to collect these debts? The fact that you expect to treat a person poorly looking down on them when you have no knowledge of how or why they are in debt makes you as an "Business Owner" look not so great.  You insult and demean using vulgar language and threats to try to browbeat someone into paying you, no questions asked.

 Look at you insulting everyone here, can you NOT have a conversation without insulting people? I don't believe you can. The threats, the name calling, you are in fact proving to everyone that I was right, you are in fact going about this all wrong. You claim to be a professional and are here to defend your reputation, but if I may, you calling everyone morons, nitwits and illiterate doesn't make you look, well, professional. P.S. an illiterate is a person who is unable to read or write, unlettered - ignorant - uneducated - unlearned. That sir is not me as I am sitting here reading and writing.

ROB: LASTLY, I WILL PUT OUT A 500.00 WAGER TO ANY MISCREANT WHO HAS ATTEMPTED TO PUT THEIR PUNY THOUGHTS ON THIS THREAD PRIOR TO MINE. HERE'S THE WAGER....YOUR CREDIT STINKS, YOU'VE STIFFED MOST ANY BUSINESS FOOLISH ENOUGH TO TRUST YOU WITH CREDIT AND THAT THE DEBT OWED TO THE BUSINESS BEING SUBJECT TO THE WHINING ON THIS POST HAS BEEN SITTING ON YOUR CREDIT AS A BAD DEBT FOR YEARS. LET ME KNOW ON THIS SITE AND WE'LL ARRANGE TO MAKE THE BET HAPPEN.

ME: Again with the name calling, you are just proving my point, over and over......

I happen to be one of those guys. Yes, I neglected to pay several credit cards. I had received a letter about 4 months ago about one of those cards. It hadn't had a payment in years. I went though a divorce and had job problems. Anyway, I didn't respond to the letter I got and ignored messages left by Triad Associates. About 3 weeks ago I got a letter at work. It told me I was going to get sued and that all kinds of fees would be added to to the debt. It had their attorneys name on too. I called and spoke to Rob Davis. I'm not going to say he was nice but he went over the debt and invited me to get my credit report and go over it with him. Which I did. We went over it together and long story short, the debt was there and I had no idea that such negative info was there for the world to see. He told me that what was on my credit could keep from getting home loans, car loans and even a job. Before I agreed to settle I called Experian to confirm what he said, they did. Also, I demanded and received a settlement letter on their attorneys letterhead. I verified that the guy was a lawyer here in California. Last thing, Davis asked that I come on here and tell my story. There is is.

To:  Rob Davis, Collections Agency

Rob Davis:  "Unfortunately, sometimes when people owe debts, and can't pay them, they get upset with the collector, and somehow desire to "get even" by making untrue claims."

Me:  Agreed.  I think people who owe debts need to make arrangements and pay them off.  But am I missing something here?  I didn't get from the original poster that they actually owed a debt as from their posting they stated the debt was unverified. 

Rob Davis:  "Because the poster has failed to include his or her name, we do not have the option of allowing a court to give credence to their allegations."

 Me:  Yep that makes sense.  What doesn't make sense is the sentence which immediately follows in which you state "Because there is no doubt as to who this individual is, suit should be filed and served hopefully next week and information regarding that litigation will be posted as an addendum to this rebuttal."   Which is is Rob, do you know who they are or don't you?  Rip-off reports allows users to post anonymously and unless I'm missing something here, I'm pretty sure they're not coughing up IP addresses and other contact information to you - or anyone else for that matter.   Secondly, what lawsuit, what litigation?   Is this litigation regarding the debt this person supposedly owes or is it litigation regarding their post here on Rip-off Reports?   If it is litigation regarding a debt, the only thing that can be posted here or in any other public forum are the actual public results.  As a lawyer I'm sure you're aware of the downside of posting debtor information in a public forum unless that information is already public knowledge.   On the other hand, if your reference to a lawsuit is in response to the original posters comments on this forum I must tell you that you are on very shaky legal ground.  Read up on Anti-SLAPP and you'll see what I mean.  The poster has provided an "opinion" of your company based on a personal experience they had.  I have no idea if they are telling the truth or leaving things out.  What I can say (in my opinion) is that while these kinds of postings can be be painful for a legitimate business, the best way to handle these situations are to post facts back as you have in the remainder of your post.  The worse thing you can do is "threaten" the poster with a lawsuit for exercising their first ammendment rights, a threat which would in fact appear reinforce their original claims.   

I would not pay these people; I would not even talk to them. If they are real, you will get something in the mail. Google the phone number they are calling from and/or post it here; chances are others have been called, so you will see if it is this scam. Do the bill collectors have an Indian accent by any chance?

Oh, and to Rob who says, "I find it amusing and a wee bit pathetic that those who are giving all the good advice seem to go out of their way to avoid including their identity," you may not have noticed that right on the rebuttal page it tells you not to include any personal info, and this is good advice. Otherwise people would be opened up to even MORE scams. And the personal insults you throw out don't exactly make you seem like an Einstein; get some class. I hope you are not indicative of the majority of bill collectors; it ain't that hard to be professional. 

The people who has replied to me are the meanest SOB i have ever seen.  When you treat others who don't deserve it they will reap what they have sow.

I happen to be one of those alleged scumbag bill collectors. In fact, I own my collection agency and am doing quite well thank you very much. I find it amusing and a wee bit pathetic that those who are giving all the good advice seem to go out of their way to avoid including their identity, "Pinky" indeed, like a mouse. But then again, any idiot taking advice from one of these nimrods and ending up sued or with wage garnishments against themselves or their spouses (that's right, Calif is a community property state and though your spouse may not be named in the suit, a portion of their wages can be garnished) deserves what they get.

Honestly, why would anyone but an idiot take advice from an illiterate? It ain't that hard to put a complete sentence together, use correct words and put together a coherent thought! Oh! Almost forgot, all the cons on death row didn't do it! Not one of these "colons of advice" has made mention of the fact that just maybe they've stiffed everyone from banks to their own employers and families. These are miscreants who have gone through life blaming everyone but themselves for their failures (and they are many). It is my hope that the company being subjected to these allegations from a bunch of cowardly nitwits, will update the lawsuit information on every suit they file for the next month. That's right idiots, they can because it's public record!

LASTLY, I WILL PUT OUT A 500.00 WAGER TO ANY MISCREANT WHO HAS ATTEMPTED TO PUT THEIR PUNY THOUGHTS ON THIS THREAD PRIOR TO MINE. HERE'S THE WAGER....YOUR CREDIT STINKS, YOU'VE STIFFED MOST ANY BUSINESS FOOLISH ENOUGH TO TRUST YOU WITH CREDIT AND THAT THE DEBT OWED TO THE BUSINESS BEING SUBJECT TO THE WHINING ON THIS POST HAS BEEN SITTING ON YOUR CREDIT AS A BAD DEBT FOR YEARS. LET ME KNOW ON THIS SITE AND WE'LL ARRANGE TO MAKE THE BET HAPPEN.

Charlie, I'd know your illiterate posting anywhere.  You can run, but you can't hide.  Oh, by the way, have your mommy change your diaper.  You stink.

These collection agencies are nothing but liars & crooks themselves. They are talking like they don't do nothing wrong but to harass people trying to make, they talk like their the victim. To get them off your back file a complaint with the attorney general office.

Yes, it's true consumers have rights. But those rights do not include an unhappy debtor making false claims about a company legitimately attempting to collect a debt.  Unfortunately, sometimes when people owe debts, and can't pay them, they get upset with the collector, and somehow desire to "get even" by making untrue claims. Because the poster has failed to include his or her name, we do not have the option of allowing a court to give credence to their allegations. Because there is no doubt as to who this individual is, suit should be filed and served hopefully next week and information regarding that litigation will be posted as an addendum to this rebuttal.

It is not an everyday, weekly or even monthly occurrence when our staff is forced to endure verbal abuse by a debtor. In this case it was extreme and unwarranted. Both the poster and the witness are guilty of a most disgusting verbal assault on myself and my staff.
 
One would think that that if the allegations made by this consumer were true, this person would have no fear in including his or her name to the post.  Obviously, protecting oneself from a libel suit was a consideration as important as smearing our business. One would also think that if a business was guilty of such things as we are falsely being accused of, there would be numerous angry posts about it on the Internet rather that this one, single, misguided entry.

This person claims to have received a letter from us, and also claims that we would not give her our address.   This is not only untrue, but makes no sense at all.  Our address and telephone number are prominently printed at the top of every letter that we send out.  Clearly we are not refusing to give out our address.  This person is apparently complaining that we wouldn't give her information that we had already given her.  Why would we refuse to give her information that we had already given her?  
 
When a debtor, moves, and refuses to give his or her new address to his or her creditors, in violation of their credit agreement, how else can a creditor locate a debtor other than through friends, family, or employment?  This is completely legal.  And it could easily have been avoided if a debtor gave the creditor notice of the new phone number and address, as he or she had agreed to when he or she borrowed the money in the first place.  Is it an honorable, or even a logical thing to incur a debt, not pay it, hide from the creditor, and then complain when a creditor attempts to find them, using legal methods, just to get them to pay their bill?  Please note that nowhere in the post does this person claims that he or she did not owe the debt.  
 
There are indeed scams out there, and people should be careful to whom they pay money.  However, this company is NOT a scam.  We legitimately collect for legitimate debts by legitimate creditors.  Contrary to the claims of this consumer, we will provide verification of debt if requested to.
 
We do not "threaten" to file lawsuits against people.  Frequently a particular matter meets our suit criteria, in which case we have the matter referred to an attorney who does file a lawsuit.  If an account meets our suit criteria, and we intend to have a lawsuit filed, we do so inform a consumer, which is not only legal, but seems only fair.  Apparently this consumer is upset that we gave her the opportunity to avoid additional legal fees and court costs by avoiding a lawsuit.  Most people appreciate this opportunity.  Either way, there is nothing illegal or improper about letting a consumer know what we planned to do if a debt was not paid.  Federal laws even provide that this notification is specifically allowed.
 
I am dismayed but not surprised that this consumer would be so irresponsible to advise people to "not pay... (a debt collector)... anything", and just continue to check to see if they have been sued.  This is rather poor advice.  By advising people not to pay their legitimate debts when a collection agency contacts them to pay them can subject these people to negative information on their credit reports, additional penalties and interest, additional attorney fees, as well as a potential money judgment against them.  This is clearly an angry person who wants convince other people to make the same unwise choices that he or she made.

To sum things up. These claims are untrue.  One can tell that just by reading the post.  It is bad advice to tell someone not to pay their legitimate debts, and anyone who does, clearly isn't doing this in the best interests of those that they are advising.

Rob Davis
Director of Litigations, Triad Associates LLC

P.S.

Anyone seeking an easy way to confirm that poster is a liar can test one of their claims. Our office is located in a Regus managed property. Their number is 951 710-3000 and you are free to call and inquire if Triad Associates is a client and leasing office space.
 

I am not a lawyer, i am merely a victim aswell, i am only telling you what i have done. Hope this helps!

OK heres the steps you need to take...first, are they threatening to sue? if yes use you home phone never your cell or work call them back and ask them to explain why they are contacting you. Here is where it gets ugly they will try to bully you into paying money on non validated debt by threatening to take you to court. If you have had past charge off debt it's probably about to expire according to CA statute of limitations, thats why they are going after you like this! check online for SOL in your area, get your free credit reports at annualcreditreport.com  

 First you want to get as much info as possible ok who are they, why are they calling you? what debt are they talking about? they will try to bully you at that point tell them to send you a letter to verify the debt, if you have a job and they are calling you there tell them to cease and desist immediately. send the letter before you call thats probable better. Do NOT admitt you have any debt, do not agree to pay, tell them that they must cease all telephone communication with you, then send them a cease and desist letter, you can find Sidney Mickell address off google, he is an F rating BTW with the BBB, send a copy of the letter there, also send one to TRIAD ASSOCIATES 11801 Pierce St #200 Riverside CA 92505 Google the other "law offices" send the letter there to! It is against the law to tell anyone but you info regarding an alleged "debt". Read about your rights. LOG ALL CALLS THEY MAKE TO YOU WHEN WHERE WHAT IS SAID TIME DATE ETC!







SEND THIS LETTER CERTIFIED MAIL RETURN RECIEPT REQUESTED, THE USPS WILL HELP YOU WITH THAT.







GET A P.O. BOX $30 FOR 6 MONTHS, DO NOT LET THEM KNOW YOUR HOME ADDRESS!!! CHANCES ARE HIGH THEY DO NOT HAVE IT. TELL THEM TO SEND YOU A LETTER VERIFYING THE DEBT TO THE PO BOX. They sent a letter to me at work because they dont have my home address and they are trying to scare you into giving them money over the phone!







Now you can google tons of info on how to deal with scam artist like this, they must VALIDATE the debt, google that to see what that entails. They are not allowed to threaten you but will anyway, when you call tell them first thing that the conversation is being recorded. Google FDCPA it will explain your rights. If you cannot afford legal council look up your local legal aid offices for advice on how to proceed. There are cease and desist letter templates on internet for free, just make sure you do not acknowledge the debt and delete the scentence about "this is not a refusal to pay" because YES you are refusing to pay! they will threaten harrass you over the phone, just hang up, better yet let them leave a message.







You have rights, you are not alone, they cannot threaten you but will try to intimidate you, scare you, check the court system in you county under small claims/ civil cases to ensure there is not a lawsuit pending... many times they will file suit lie saying you were served and get a default judgement. Make sure you check every week ok! Now if that doesnt work keep going! send more letters forcing them to validate the debt.



They must provide at your demand (no request ok!): original signed contract/agreement between you and original creditor,



original statements showing amounts owed, all payment history, and any intrest, fees penalties!



no redacted copies acceptable!



the agreement between original creditor and themselves showing they are assigned to collect on behalf/for original creditor



those are just some things you may ask for make sure to tell them you are asking for validation not verification of name and address! good luck, let me know how it goes!

I've had Triad Associates contact me through another agency called Advantage Law Associates....it all seems so fake, so I'm not sure what to do next. They left me the name of Sydney Michaels and the manager of Advantage Law Associates as Randy Phillips. What should I do?