Complaint Review: Tru Logic

A class action lawsuit might make money for Lawyers is somthing that I understand. I didn't say that I'd join one because I was hoping to get monetary damages for myself. I have enough for myself BUT there are people who've been hurt by these creeps who, I'm sure, don't. And they've likely incurred further damages as a result of Tru Logic. It's those poor people who I'd want to help.

For myself and my Family, I only wish yo be left alone. I have a feeling though that they are like "the local bullies" and will simply take notice of my stop communicatiobs letter then (like the leeches they are) go on to the next person with no regard for guilt or innosence. It's those further actiuons which I feel that it's now my duty to prevent. After all, not everyone has the fortune to recieve the benefit of Budd Hibbs advice. I figure that I was aided by everyone here and now it's my turn to help others and if a class action lawsuit is part of that help then I'm morally bound to join.

A class action law suit, really only make lawyers money, After they get paid out of any judgement or settlement, mostly the victims get a coupon or token payment, nothing to make up for there lost or time.

Sending the letter was a good start, Have you tried talking to any legal aid in your city?

It seems like alot of hassle there doing for 74.00?

As far as these pissing mathches that go on between, people on here, just don't pay it any mind. You, or your post is NOT the cause of it, these thing go on every once in awhile, Mostly from collectors that take issue with people trying to help.

As I stated before any advice you get on here, should only be used to point you in the right direction.

try to google credit inforcenter, this site had some good information, on how to deal with debts and collection agencies.

good luck

I would just LOVE to be a part of any class action lawsuit against these creeps. Maybe any damages we recover could be donated to this site and other people who've been hurt by Tru Logic. I think this would be a wonderful way to get revenge; forcing them to repair the damage they've caused! If someone wishes to contact me about this then PLEASE go ahead and leave a note here.

Thanks for the thanks, Greg. I'm proud that you finally took some type of action.

In researching your posting, I found more than a dozen other complaints on RoR about this company. If you decide to file a lawsuit, you might want to see if you can creat a class action. Take 'em to the bar, as it were. And don't forget all your "pain and suffering", the days and nights worrying.
Good Luck!

PS don't fret about the other personalities having their in fights on your rebuttal. It's not about you.

Please, everyone here has tried to help me by offering their advice. I am very grateful to EVERYONE and will never forget your offers of advice. I just wish that you wouldn't cause me to lose focus on the issue, and that I won't feel as though I've caused bad feelings between others.

Anyhow, I just returned from the post office. I feel as though I'm finally doing somthing. I used THE BUDD HIBBS' CEASE-COMM LETTER as a template for my letter to TruLogic. I just mailed it out as per instructions. It was sent certified mail, RRR, and I copied the certification number at the top of the letter.

I've got to admit though that there is another thing; as I was mailing it, I hoped that the "company" and any of the bad people connected with it fail miserably and stop bothering good people. It's been quite amazing how everyone, complete strangers to me, has offered their help. Kinda like when I was younger back home and neighbors always helped and looked-out for eachother.

That's how I feel that the world should be again. Maybe if there were more of you all and Bud Hibbs's then we'd be a much better place than we are today. I can't say that I've got a tremendous ammount of faith in the results of my actions today, I've never done this kind of thing before (I was brought-up to rely more on the goodness of human nature and the eventuality that things would work-out for honest people) so I don't know what'll happen next. I promise to keep you all, my friends, posted
-Greg

A growing number of people on the ROR have become bored with Steve's condescending arrogant attitude towards anybody with a banking problem. There are a number of complaints about his posts on the ROR. I admit I only have a CD with BoA so all the NSF issues do not apply. But what does irritate many are his condescending advice on all subjects. He should keep his advice to himself.

Posting informative replies would be welcome but his condescending posts are directed at ROR posters and most of his advice should be avoided as he is usually putting somebody down. Marcy of Greenville, Texas was a bit harsh on Steve but it looks like Marcy has had it with Steve also?

Lot's of complaints, just do a search:

http://www.ripoffreport.com/reports/ripoff237492.htm

"By the way, I don't need to hear any poor advice coming from "Steve [not a lawyer}-Bradenton, Florida"." Danielle - Champaign, Illinois
U.S.A.

If Steve works for bank of america, so what. Most of us don't care, I may not agree with some of his advice, BUT he has not mislead any body with what he has told people.

The only one's that seem to have a problem with Steve are the people that he has corrected here. or collectors that post on here with the expection of Don from Ill, and one other lady sorry don't remember her name.

Its bad enough that a collector has to be an a*s in his or her job, but to come on here where people are looking for help and these collectors bring there attitude, give wrong advice, or just put someone down to make yourself feel important. GET A LIFE, go get laid, anything, just stop the bull.

Steve advice or anyone advice on this site is to point someone in the right direction and its up to that person to follow it. Most people here that post reply tell people what has worked for them, so it might help some else out

Me, I think a debt should be paid, but only to the original creditor, not you bottom feeders, that pay less then it worth, then act all high and mighty over it, stick your morals up your buttock, play that card in your own life, why should anyone pay a collection agency that paid less then pennies on the dollar for most debts.

Next are you going to be saying Bud Hibbs works for citibank or another company and his advice shouldn't be followed

Marcy or Dennis Ray? Nice credibility.

People, use extreme caution when reading anything Steve [Not A Lawyer] - Bradenton, Florida posts. Do not follow any of his advice. He is right about one thing, he is not a lawyer. Get sound advice and not from Steve [Not A Lawyer] - Bradenton, Florida. There are a number of complaints on the ROR about his posts. Here is a recent complaint:

http://www.ripoffreport.com/reports/ripoff215878.htm

STEVE from FLORIDA works for BOA

Hey you guys, Don't WASTE your breath with STEVE... He is MR PERFECT we all know, he hasn't had an overdraft in 30 years... yada yada yada...

THIS COULD BE BECAUSE HE HAS WORKED FOR BOA FOR 30 YEARS... He is not gonna try and help in any way he simply wants everybody to think he is perfect... Bank of America has proven time and time again that they are crooks and steal customers money with fraudulant business practices.

So Steve go on back under your rock and quit trying to preach to everybody on here who has a legitimate complaint about BANK screw you over America...
Sincerely

Marcy - Greenville, Texas
U.S.A.

People, use extreme caution when reading anything Steve [Not A Lawyer] - Bradenton, Florida posts. Do not follow any of his advice. He is right about one thing, he is not a lawyer. Get sound advice and not from Steve [Not A Lawyer] - Bradenton, Florida. There are a number of complaints on the ROR about his posts. Here is a recent complaint:

http://www.ripoffreport.com/reports/ripoff215878.htm

STEVE from FLORIDA works for BOA

Hey you guys, Don't WASTE your breath with STEVE... He is MR PERFECT we all know, he hasn't had an overdraft in 30 years... yada yada yada...

THIS COULD BE BECAUSE HE HAS WORKED FOR BOA FOR 30 YEARS... He is not gonna try and help in any way he simply wants everybody to think he is perfect... Bank of America has proven time and time again that they are crooks and steal customers money with fraudulant business practices.

So Steve go on back under your rock and quit trying to preach to everybody on here who has a legitimate complaint about BANK screw you over America...
Sincerely

Marcy - Greenville, Texas
U.S.A.

People, use extreme caution when reading anything Steve [Not A Lawyer] - Bradenton, Florida posts. Do not follow any of his advice. He is right about one thing, he is not a lawyer. Get sound advice and not from Steve [Not A Lawyer] - Bradenton, Florida. There are a number of complaints on the ROR about his posts. Here is a recent complaint:

http://www.ripoffreport.com/reports/ripoff215878.htm

STEVE from FLORIDA works for BOA

Hey you guys, Don't WASTE your breath with STEVE... He is MR PERFECT we all know, he hasn't had an overdraft in 30 years... yada yada yada...

THIS COULD BE BECAUSE HE HAS WORKED FOR BOA FOR 30 YEARS... He is not gonna try and help in any way he simply wants everybody to think he is perfect... Bank of America has proven time and time again that they are crooks and steal customers money with fraudulant business practices.

So Steve go on back under your rock and quit trying to preach to everybody on here who has a legitimate complaint about BANK screw you over America...
Sincerely

Marcy - Greenville, Texas
U.S.A.

People, use extreme caution when reading anything Steve [Not A Lawyer] - Bradenton, Florida posts. Do not follow any of his advice. He is right about one thing, he is not a lawyer. Get sound advice and not from Steve [Not A Lawyer] - Bradenton, Florida. There are a number of complaints on the ROR about his posts. Here is a recent complaint:

http://www.ripoffreport.com/reports/ripoff215878.htm

STEVE from FLORIDA works for BOA

Hey you guys, Don't WASTE your breath with STEVE... He is MR PERFECT we all know, he hasn't had an overdraft in 30 years... yada yada yada...

THIS COULD BE BECAUSE HE HAS WORKED FOR BOA FOR 30 YEARS... He is not gonna try and help in any way he simply wants everybody to think he is perfect... Bank of America has proven time and time again that they are crooks and steal customers money with fraudulant business practices.

So Steve go on back under your rock and quit trying to preach to everybody on here who has a legitimate complaint about BANK screw you over America...
Sincerely

Marcy - Greenville, Texas
U.S.A.

Greg,

First, stop the phone calls with 1 letter called a CEASE COMMUNICATIONS request as per your rights under the FDCPA. Send this by certified mail, RRR and be sure to put the certified# on the letter itself and keep a copy for your records. Now, when they violate, you sue them and get paid.

Second, you NEVER have to prove that you do not owe a debt. They ALWAYS have to prove that you do.

STAY OFF THE PHONE!!!

NEVER speak to any debt collector on the phone! NEVER!! Always demand everything in writing.

Now, do a DEBT VALIDATION request as per your rights under the FDCPA. DEMAND to see the original signed contract that created the debt as well as a full account history and itemization of charges. Send this by the means above.

They must cease all collections actions until they provide this information.

good luck.

Dear Greg:
I am sad to read your story here. Too many people allow these "vultures", as another poster here referred to them, to ruin their lives. Some years ago, my mother and I lived together. She borrowed thousands on several credit cards she had. We were unindated with harrassing phone calls from a creditor about one debt. These people were calling us at 6am just to harass us.

Since it was not my debt, I could not take the action I wished. I understand the stress you are going through just having to deal with it.
There are legal ways to protect yourself and your family from this harassment. It means you MUST write to the company and state clearly in your letter that you WILL NOT allow ANY PHONE contact whatsoever. Send this letter by certified mail, with a return signed receipt requested.

Your next step is make a clear documentation of every call they make after you have your return receipt. When they call, YOU take the upper hand in the conversation. DO NOT ALLOW THEM TO DISCUSS THE MATTER AT ALL! Inform them that you requested NO PHONE CALLS and that this call is being recorded and will be reported to the FCC for being in violation of FAIR DEBT COLLECTION PRACTICES, as set forth by the federal government. If they persist, state that they are subject to a law suit for harrasment and HANG UP!

Make sure you write down the date and time of each phone call. If this persists more than 2 wks after you KNOW that they have your written request, you should contact the Federal Communications Commision, your local police dept. and any other goverment agency you can find that will protect you from further harrasment.

The one thing you DON'T want to do is let these scammers ruin your otherwise fine day! Good luck!You and your family will be my prayers. Keep us posted.

It's been a while; I thought they would get the message that I want no dealings with these vultures. But they still call a few times a week. It's always from a woman who either has a very thick acent or she simply cannot speak english. My wife and I had caller ID put on the phone number; Their newest trick is to block their phone number from being displayed when they call to harass me. I know it's the same people because the woman always says to return the call to the origional number. Is it legal for them to block their phone number from being displayed? She calls at all kinds of hours and even on Sat. and Sunday. I have no idea of what to do.

I just filed a report update and had a thought; I know that there is a disaclaimer about this site not revealing any phone numbers. I do have confidance in their integrity but I just get worried about some slime-ball compromising the site and getting my phone number. For that reason, I just changed the number on my information. I AM trying to do the right thing but I just don't know, if anyone does need to contact me then please leave a note here and I will contact you.

I just filed a report update and had a thought; I know that there is a disaclaimer about this site not revealing any phone numbers. I do have confidance in their integrity but I just get worried about some slime-ball compromising the site and getting my phone number. For that reason, I just changed the number on my information. I AM trying to do the right thing but I just don't know, if anyone does need to contact me then please leave a note here and I will contact you.

I just filed a report update and had a thought; I know that there is a disaclaimer about this site not revealing any phone numbers. I do have confidance in their integrity but I just get worried about some slime-ball compromising the site and getting my phone number. For that reason, I just changed the number on my information. I AM trying to do the right thing but I just don't know, if anyone does need to contact me then please leave a note here and I will contact you.

I just filed a report update and had a thought; I know that there is a disaclaimer about this site not revealing any phone numbers. I do have confidance in their integrity but I just get worried about some slime-ball compromising the site and getting my phone number. For that reason, I just changed the number on my information. I AM trying to do the right thing but I just don't know, if anyone does need to contact me then please leave a note here and I will contact you.

There have been several phone calls to my number; about 2 or 3 a day for quite a while. There is a service which will display the number of the caller; I never respond to the ones that don't reveal their number. It's gotten a bit bothersome, every day around 9am or so there is one of these calls and I don't reply because all that's listed on the display are 0's. I figure that this is some jerk calling to harass me about this matter. Is there anything that I can do to stop this? I check the answering service and there have been messages left asking for a call to some number. I figure that it's got to be some bad person because they are too sneaky to let their number be revealed. I don't intend to answer this type of call. I really would like for it to stop though.

Calling repeatedly is against the law, don't get mad, get even, turning the tables on the harrassers is easy, here's how.

The next time these rude vultures call, the second you realize who they are press and hold the #1 button on your phone, this sends a piercing squeal through the line to their headphones they'll hang up very fast, do this every time they call to harrass you, it turns the tables back on the harrassers, they only want to harass you, when you harass them back they think it's "Unfair"

I actually had a vulture say "You can't stop me from calling" I answered "Maybe not, but I can make you wish you'd never called" (As of now, two months later, she has not called again)

It works beautifully.

Thanks for the advice, I feel like someone is finally on my side. There is a problem with these "people" recently; they call at odd hours. One time, a couple of days ago, my 7 years old Daughter answered the phone and a Female (I'd use another term but...) from TruLogic started asking her questions. Are these individuals so bankrupt of human morals that they would consider interrogating a little girl? My wife and Daughters were in the family room when this call came, my youngest ran and answ3ered the phone; she got real scared and called for me.I just cannot get around well enough to have gotten the phone before she did. She just didn't understand that that was a bad "person" calling and was frightened. She was just so scared and shaking; my family are good and moral people who just are not used to these types of callers. Dealing with these types of issues is one part of my disability, Only now after a few days can I even discuss how it made me feel. This is very difficult for me. I've read all of the advice and it sounds very good and legitimate but I just feel that if there were a more pro-active thing I could do that then I'd be more at peace. I don't have the funds to hire an Attorney and take them to court. But I'd certainly support any such action by another group or individual. Personally though, after this, I feel as though it's gotten to the point where somthing MUST be done. NOBODY is ever going to hurt or bother my kids like that.

Thanks for the advice, I feel like someone is finally on my side. There is a problem with these "people" recently; they call at odd hours. One time, a couple of days ago, my 7 years old Daughter answered the phone and a Female (I'd use another term but...) from TruLogic started asking her questions. Are these individuals so bankrupt of human morals that they would consider interrogating a little girl? My wife and Daughters were in the family room when this call came, my youngest ran and answ3ered the phone; she got real scared and called for me.I just cannot get around well enough to have gotten the phone before she did. She just didn't understand that that was a bad "person" calling and was frightened. She was just so scared and shaking; my family are good and moral people who just are not used to these types of callers. Dealing with these types of issues is one part of my disability, Only now after a few days can I even discuss how it made me feel. This is very difficult for me. I've read all of the advice and it sounds very good and legitimate but I just feel that if there were a more pro-active thing I could do that then I'd be more at peace. I don't have the funds to hire an Attorney and take them to court. But I'd certainly support any such action by another group or individual. Personally though, after this, I feel as though it's gotten to the point where somthing MUST be done. NOBODY is ever going to hurt or bother my kids like that.

Thanks for the advice, I feel like someone is finally on my side. There is a problem with these "people" recently; they call at odd hours. One time, a couple of days ago, my 7 years old Daughter answered the phone and a Female (I'd use another term but...) from TruLogic started asking her questions. Are these individuals so bankrupt of human morals that they would consider interrogating a little girl? My wife and Daughters were in the family room when this call came, my youngest ran and answ3ered the phone; she got real scared and called for me.I just cannot get around well enough to have gotten the phone before she did. She just didn't understand that that was a bad "person" calling and was frightened. She was just so scared and shaking; my family are good and moral people who just are not used to these types of callers. Dealing with these types of issues is one part of my disability, Only now after a few days can I even discuss how it made me feel. This is very difficult for me. I've read all of the advice and it sounds very good and legitimate but I just feel that if there were a more pro-active thing I could do that then I'd be more at peace. I don't have the funds to hire an Attorney and take them to court. But I'd certainly support any such action by another group or individual. Personally though, after this, I feel as though it's gotten to the point where somthing MUST be done. NOBODY is ever going to hurt or bother my kids like that.

Thanks for the advice, I feel like someone is finally on my side. There is a problem with these "people" recently; they call at odd hours. One time, a couple of days ago, my 7 years old Daughter answered the phone and a Female (I'd use another term but...) from TruLogic started asking her questions. Are these individuals so bankrupt of human morals that they would consider interrogating a little girl? My wife and Daughters were in the family room when this call came, my youngest ran and answ3ered the phone; she got real scared and called for me.I just cannot get around well enough to have gotten the phone before she did. She just didn't understand that that was a bad "person" calling and was frightened. She was just so scared and shaking; my family are good and moral people who just are not used to these types of callers. Dealing with these types of issues is one part of my disability, Only now after a few days can I even discuss how it made me feel. This is very difficult for me. I've read all of the advice and it sounds very good and legitimate but I just feel that if there were a more pro-active thing I could do that then I'd be more at peace. I don't have the funds to hire an Attorney and take them to court. But I'd certainly support any such action by another group or individual. Personally though, after this, I feel as though it's gotten to the point where somthing MUST be done. NOBODY is ever going to hurt or bother my kids like that.

How they obtained your information, these collection agency sell these old debts back-n-forward.

If truelogic, is claiming in a letter there collecting for monkey-wards, that's a violation of the FDCPA and if they placed this debt on your credit report that another violation.

807(10) specifies that it is a violation to use any false representations or deceptive means to collect or attempt to collect a debt. and if they lead you to think that any payment will be forwarded to monkey-wards. violation.

807(2)(a) prohibits false representation concerning (1) the existence of a debt, (2) the amount and(3) the legal status of a debt.

This 12 year old debt is well beyond the statute of limitations in New York

A debt of this type can only be reported to the credit bureau for 7 years form the date of last activity or charge of date. if they placed it on your credit report that's another violation.

collection agencies are required by law within 90 days of placing a debt with the credit bureau, to give the date of delinquency, so as not to leave or place a debt longer then allowed by law. If this 12 year old debt was placed they re-aged it which is illegal.

Truelgic has already been before the court for in Ill. for meterial misrepresentations by way of debt collection letters.

If you send the a letter (RRR) stating not to call you, that the only form of communication with be by US. Mail, then that's another violations. (each)

If a company went bankrupt, depending what type they did, generally all assests (debts) are sold to pay creditors, but 12 years later no, this collection agency is trying to pull one over on you.

Ther can contact you on a debt this old, but they must not violate the law and a debt this old they can't take any legal action against you.

Don't talk on the phone to these people, you don't have to.

I just filed a report in another area of this site, I didn't know that this report was still here. Anyhow, I had just came back inside from clearing the driveway (in upstate NY, we're having a blizzard right now) and the phone rang. I'd stopped answering the phone when this started a last month but resumed answering it when the calls stopped because this had been straightened out. As soon as I heard some "female" utter the words TruLogic I just got real worried again and hung-up the phone after telling them not to call again. I had been under the impression that the matter had been completely taken care of.

Origionally they had said that I owed a company which has been out of business for several years. The "debt" they are talking about is 12 years old! The matter was taken care of many years ago. I am a 100% disabled former US Govt. employee and I don't work because I cannot, so, to pay the $80.00 (eighty dollars) or whatever the origional amount was a SECOND time would be out of the question. And, how would I be able to pay AGAIN a company that has been out of business for about 10 years? Where does TruLogic get their "information"?

I'm just following the advice offered already and not responding to them when they call. Is there a way to make them stop? I'm sure that there are other innocent people who are being harassed. Medically speaking, this kind of harassment is not good for my nerves.

1. Tell them the SOL has passed
2. You dispute the debt anyway
3. They can't do anything because your sole source of income is social security and therefore Federal law makes your Social Security benefits exempt from levy, garnishment, and assignment.
42 USC 407(a)

... but I am not an attorney ....

They have sent me a form to complete and pay the 79.90 that is over due to "their client" Montgomery Wards! What I'm wondering is how can they possibly be "hired" by a company that has been out of business for 11 or 12 years? It even says that the "debt" is owned by Midland Fundraising LLC. I have NO idea of who they might be. This morning, I was feeling out of danger from being harassed by anyone but now I'm a bit worried again. Is there anything that I can do to stop either of those "companies" from contacting/harassing me over this "debt" which is totally false?

It's been a few days and I haven't gotten any phone calls (I don't think) from those "collection people". And I haven't gotten the "rush delivery" of the documents that I was told to sign (Of course, I was told that they would be in a "plain white envelope"). I almost feel as though I can stop being worried so much that they are going to dream-up somthing else. I'm just wondering if there's somthing that can be done to stop them and those like them from harassing others.

It's probably a far fetched idea but maybe if everyone could, jointly, send some sort of message. Maybe even a lawsuit with any recovered damages going to charity. That would be a wonderful "revenge"; to have them fund and help the very people whose lives they have made difficult. Does anyone have any concrete ideas? I'd love to learn of them.

go to budhibbs.com for additional insight ... here is a cut and paste from his site on the company ... The owner of Trulogic is quoted as saying "we will pay you a ton of commissions if you can collect on these old, worthless, out of statute accounts. The key here is old, worthless and out of statute accounts .....


Truelogic Financial Corp.

fka/Genesis Financial Corp.



10000 East Geddes Ave, #100

Englewood, CO 80112



Phone: 866-488-4299 or 720-974-0386

Fax: 303-265-9544 - 720-488-4296



Head Debt Collector:

Paul Konkel, CEO

Doug Spencer
Ty B. Coffelt, President

Web address: www.TrueLogicFinancial.com

Bud Says...

Ty B. Coffelt, 31, of Castle Rock, CO used to call his operation Genesis Financial, out of the same address. His website makes the following statement;
Double the productivity of collectors and in turn, double the liquidation rates from a portfolio of bad accounts.

Based on the fact that True Logic is collecting on accounts that are at least TEN (10) years old, one can only assume the statement means we will pay you a ton of commissions if you can collect on these old, worthless, out of statute accounts.

Owner Ty B. Coffelt is proof of what we have suspected for a long time, that:

1) The industry is more than saturated with bottom feeders begging for money.

2) The quality of accounts they are collecting on is lower than anytime in the industry.

3) The price they are paying is now less than pennies on the dollar for these worthless accounts.

4) The accounts are so old, they are out of statute, cannot be litigated, cannot be placed on credit reports and collectors have to learn new lies to convince consumers to pay.

5) Money beggars like Coffelt won't be around much longer because the well is dry and there is no chance for rain.

The good news is that bottom feeder, money beggars apparently have turned out to be their own worst enemy, they over loaded the market with get rich quick' scammers such as Coffelt, who are now running out of gas and little chance of competing with the huge masses out there buying these worthless debts.

One True Logic employee we spoke with sounded worse than a used car salesman with his rants about paying him could result in a clean' credit report and fulfill a MORAL obligation. No one should ever feel a MORAL obligation to a bottom feeder, money beggar, they should also realize that after seven years, True Logic cannot even place an inquiry on your credit files; the ONLY one benefiting from paying is the idiot collector and his money begging owner, Ty B. Coffelt.

I think that Ty Coffelt would better use his talents selling used cars, so avoid his scam and NEVER give him or his dysfunctional collectors your banking or credit card information.

budhibbs.com




Corporate Info:
COLORADO
ID Number: 20041010232
Name: TRUELOGIC FINANCIAL CORPORATION

Registered Agent: TY B. COFFELT
Registered Agent Street Address:
4695 SPRINGMEADOW LN,
CASTLE ROCK, CO 80125, United States
Phone: 303-688-7900
Registered Agent Mailing Address:

Principal Office Street Address:
10000 E Geddes Ave, Ste 100,
Englewood, CO 80112, United States

Status: Good Standing
Form: Foreign Corporation
Jurisdiction: Delaware
Formation Date: 01/12/2004

Tell them to validate the claim and also you are on disability

Federal law makes your Social Security benefits exempt from levy, garnishment, and assignment.
42 USC 407(a) states: "In general the right of any person to any future payment under this subchapter shall not be transferable or assignable . . . and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law."
This means that even if a creditor or a collection agency has a judgment against you, they cannot garnish your Social Security payments, nor can they take the money from you after it has been paid to you; for example, the portion of your bank account that is attributable to your social security benefits is exempt from levy or attachment.

If your income is exempt from garnishment, then you may wish to put the collection agency on notice to that fact. You could provide this information to the collection agency in writing, keeping a copy of the letter. For example, if your only income is Social Security, which is exempt from garnishment by federal law, then you might write the following: My income consists only of Social Security, which is exempt from garnishment by federal law. You could also include this information with any of your other written correspondence to the agency, e.g., if you sent a cease communication letter. While this is not a defense to the underlying claim, it does provide the collection agency with knowledge that your only income is exempt from garnishment. If the collection agency successfully sues you and then garnishes your bank account containing exempt funds, then you may have a cause of action against the collection agency

I see the advice from J and it sounds good. I am just worried because When I called them (Tru Logic) the second time; I spoke with (finally someone who spoke English)a woman who said that she was going to send me a letter that I am to sign and state that I paid the debt. It really surprised me that she said that they would send the letter and I should have it in 3 or 4 days. Are they going to FEDEX it to me? That got me to wondering why they would go out of their way and expense like this. She did seem very nice, another thing that got me to wondering was how she said that she would enclose a blank page for me to write that I had paid the debt. Now, a lot of things are making sense. She wasn't nice and trying to help ME, she was trying to fool me. The thing is that maybe I'm a bit too trusting because for the past 15 years I've been 100% disabled and don't get around enough. The main thing that worries me now is that they have my phone number and address and are going to continue to harass me and my family with phone calls. I'm not a rich person who can afford an Attorney, why would they descide to bother me about this seemingly small matter?

the statute of limitations in New York is 6 years.

Be careful what you fill out for these collection companies. You might be giving away your rights, and these people are not your friend and are not looking out for YOUR interest.

If you fill out any paper work that this was paid, you now have to prove it was, and if you don't have something that shows a zero balance or paid in full from the orignial creditor, they will still try and get your money. even if you come up with a cancelled check for 74.00 paid to wards, the collection company will state, all that shows is you made a 74.00 payment, but you still have a balance.

dispute the debt, request validation, put in the letter, you do not want to be contacted by phone, that all communication must be done via us mail. sent (RRR).

read the FDCRA, it will give you alot of good information.

If you haven't pulled your credit report, you should do so soon, get all three

they have to prove you owe, this debt, not you.

the statute of limitations in New York is 6 years.

Be careful what you fill out for these collection companies. You might be giving away your rights, and these people are not your friend and are not looking out for YOUR interest.

If you fill out any paper work that this was paid, you now have to prove it was, and if you don't have something that shows a zero balance or paid in full from the orignial creditor, they will still try and get your money. even if you come up with a cancelled check for 74.00 paid to wards, the collection company will state, all that shows is you made a 74.00 payment, but you still have a balance.

dispute the debt, request validation, put in the letter, you do not want to be contacted by phone, that all communication must be done via us mail. sent (RRR).

read the FDCRA, it will give you alot of good information.

If you haven't pulled your credit report, you should do so soon, get all three

they have to prove you owe, this debt, not you.

the statute of limitations in New York is 6 years.

Be careful what you fill out for these collection companies. You might be giving away your rights, and these people are not your friend and are not looking out for YOUR interest.

If you fill out any paper work that this was paid, you now have to prove it was, and if you don't have something that shows a zero balance or paid in full from the orignial creditor, they will still try and get your money. even if you come up with a cancelled check for 74.00 paid to wards, the collection company will state, all that shows is you made a 74.00 payment, but you still have a balance.

dispute the debt, request validation, put in the letter, you do not want to be contacted by phone, that all communication must be done via us mail. sent (RRR).

read the FDCRA, it will give you alot of good information.

If you haven't pulled your credit report, you should do so soon, get all three

they have to prove you owe, this debt, not you.

the statute of limitations in New York is 6 years.

Be careful what you fill out for these collection companies. You might be giving away your rights, and these people are not your friend and are not looking out for YOUR interest.

If you fill out any paper work that this was paid, you now have to prove it was, and if you don't have something that shows a zero balance or paid in full from the orignial creditor, they will still try and get your money. even if you come up with a cancelled check for 74.00 paid to wards, the collection company will state, all that shows is you made a 74.00 payment, but you still have a balance.

dispute the debt, request validation, put in the letter, you do not want to be contacted by phone, that all communication must be done via us mail. sent (RRR).

read the FDCRA, it will give you alot of good information.

If you haven't pulled your credit report, you should do so soon, get all three

they have to prove you owe, this debt, not you.