Complaint Review: All Collection Agencies - FTC - Federal Government

First off, I happily state that I will make no reservations when it comes to setting any and all collection agency offices on fire. Hopefully, by destroying their foundations of which they operate, we can all breathe a sigh of relief.

I don't believe in the unscrouptulous practices offered by these companys. They have the nerve to harass people day and night, willingly breaking Federal law. I believe this in itself is a breach of the peace. To offer due process of justice, I believe that appropiate retaliation should be afforded to private citizens.

If this includes blowing up the offices of such collection agencys, then so be it. First degree felony arson should be another valuable tool. I would gladly offer my services for this remarkable feat that may precede me. If I could volunteer my time, service, and possiblility of loss of freedom to topple the collection agency infrastructure, I will halt no further, and will deem myself a rebel accordingly with such said rebels who may simoultaniously burn down the collection agencys. Is this a threat? Your d**n right it is. I am begrudged against these unlawful (unfortunately afforded protections by the US Government to regulate debt collection practices) collections offices.

They ruin your credit without any remorse. Continuing to coerce payment for a known debt, often resorting to dirty and awful tactics. Illegal or not, they could care less. So why should we? If they break the Fair Debt Collections Act, are they not breaking Federal Law? If we set fire to their office, or blow up the dwelling with military grade explosives, then we are breaking Federal Law, and perhaps state law. But, in the court system, the state you commited the crime in usually gets dibs on you first. They are breaking Federal Law, so shouldn't they sit in a prison cell also? If they break Federal Law, then why should they be allowed to remain free? Hypocrisey right there. It's a win-loose situation. They break the law, but don't go to prison. We break the law and we sit in prison for life.

Don't say that I am a deadbeat who doesn't pay my bills, because I do. I am begrudged against them because of their immoral actions against consumers, costing them chances at credit (necessity in life now a days), inadvertantly costing consumers thousands more in interest rates.

Another win-loose situation: If they collect on a debt, why should it remain on a consumers credit? What's the use in paying it? If you give them the money, they should at least take it off your credit. Most don't. It's punishment enough to suffer from bad credit during the duration of the derogatory account. But for them to have the gall to leave it on your credit without regard for the consequences to you is outright scandulous. That's why many consumers (thankfully) are not paying these debts. By letting the debt age to the statue of limitations on a debt, legally the consumer isn't required to pay the debt. Then it's a matter of time before it's taken off that consumers credit history.

So the collection agencys are faced with their own version of the 'win-loose' scenario slapping them in the face. I owe 3 accounts, one from sprint (for an early termination fee) one from an apartment for a reletting fee (another bull crap example of fees designed to make more money which I won't pay) and one for a loan which I didn't pay because of extenuating medical conditions which I did let the finance company know, but to no avail; they didn't listen, and instead charged the debt off as a loss. So, in a nutshell, my credit is ruined for bull crap 'early termination fees this, early termination fees that.' Personally, I think Sprint is a billion dollar company that can do without that 175 dollar 'early termination fee' If they don't like it, they can eat up the cost of it and go to hell where they came from. (I don't see where they are loosing money in this) They are only making money, infact, by charging outrageous termination fees that benefit no one but themselves. A$$hole kubala reading mother fu---rs.

So in closing I am exercising my right to free speech afforded by the United States, and will view any attempts to bash my free speech as futile. I am more than certain that I will have millions of consumers who agree with my view point which is this in simple context: WE WILL PAY OUR DEBTS IF YOU 'THE COLLECTION AGENCIES' AGREE TO SUBSIDIZE ANY DAMAGE TO OUR CREDIT REPORTS BY REMOVING SUCH NEGATIVE ENTRIES PROMPTLY WITHOUT DELAY AND IN THE BEST INTEREST OF THE CONSUMER; AS WE THE CONSUMER WILL AGREE TO PAY SUCH DEBTS PROMPTLY WITHOUT DELAY IN THE BEST INTEREST OF THE COMPANY IN QUESTION CLAIMING LOSS OF MONEY AS A RESULT OF NON-PAYMENT. Failure on either parties side is grounds for dismissal of this compromise. If the collection agencys have a problem with this compromise to remove negative entries via 'manual bullseye' upon prompt payment of debt, then the collection agencies should have no reason to expect any payment what so ever. Fortunately, legal action is costly and often times, we the consumers can trap these agencies in federal laws.

Such so, the collection agencies believe we aren't educated on the federal laws that exist (For a complete list of the Fair Credit Reporting Act, and the Fair Debt Collection Practices laws, go to the FTC website). We have trapped them in thousands of dollars of fines. Very hillarious I think, all because they are collecting small and insignificant debts?? If they ultimely get away with breaking these laws, and don't agree to my very fair and balanced compromise 'you get your money; I get my credit back on track' then, I believe arson or explosives should rattle them into getting the message. Go to hell collection agencies, sooner or later they will all be put out of business and we can all enjoy 700+ fico ratings. FYI: My fico is 608.

Ric
Colorado Springs, Colorado
U.S.A.