Complaint Review: ACA Recovery - Ridgewood New Jersey

Businesses will not admit any wrong doing instead they will claim u are slandering them like all businesses have done in the past. good businesses will try to resolve the problems & bad businesses will claim u are slandering them & will file legal action agaisnt u if u do not retract your statement.

Businesses will not admit any wrong doing instead they will claim u are slandering them like all businesses have done in the past. good businesses will try to resolve the problems & bad businesses will claim u are slandering them. will file legal action agaisnt u if u do not retract your statement.

I decided to return the phone call to Ms. Lee this morning (July 4). She claimed that my particular case would be forwarded to Norman Kalina in the morning for legal process. I told her that I have been more than willing to settle this debt and that every time they have called; I have sent them money. I asked her if she was a law firm. her reply was that she was not a lawyer but Norman Kalina was and he was not currently in. I wondered why a lawyer would work at a collection agency. I also asked her if she had ever heard of this website and she replied that she had better things to do than search on the internet and try and get out of debts. I told her that she and her co workers have on more than one occasions referred to themselves as a law firm. I also brought it to her attention that I was threatened with 4th degree felony charges and warrants. She asked me if I had proof; and that if I did it would not be liable because if I would have told Ms. Chase it was being recorded that they would not have said it. I told her I wanted in writing how much I have paid and how much is left oweing and that all further payments would be sent through certified mail. She would not mail me anything. She began to yell at me and talk over me. She informed me to never call her agency again unless my lawyer contacted them. She referred to me as a low life that had been sitting on this debt for more than 2 years. She keep referring to me as 'people like you'; stereotyping me. She then hung up. I called back only to get a Mary person that told me Ms. Lee would not accept my calls anymore. I asked her to relay the message that I wanted something in writing and she placed me on hold when a Ms. Banks answered and began yelling at me and telling me not to call anymore to have my attorney call.

Misty, This is exactly why you NEVER call, or speak to ANY debt collector on the phone! Furthermore, it is ILLEGAL for any collector to threaten you with prosecution, etc. They cannot do this. There is no debtor's jail. It is not criminal to owe money, or even not to pay it. There is no such law in KY, or anywhere else in the United States. These lowlife knew there was absolutely nothing they could do to you, and that is why they resorted to harassment and intimidation tactics. These are crackheads and lowlife. STAY OFF THE PHONE!! And, don't pay these crackheads anything! Send them a CEASE COMMUNICATIONS request as per your rights under the FDCPA. Send this by certified mail, return reciept requested and be sure to put the certified# on the letter itself. Keep a copy for your records. This is very important as it proves exactly what you sent. Now, when they violate your legal request, you sue them as provided for in the FDCPA.

Misty, This is exactly why you NEVER call, or speak to ANY debt collector on the phone! Furthermore, it is ILLEGAL for any collector to threaten you with prosecution, etc. They cannot do this. There is no debtor's jail. It is not criminal to owe money, or even not to pay it. There is no such law in KY, or anywhere else in the United States. These lowlife knew there was absolutely nothing they could do to you, and that is why they resorted to harassment and intimidation tactics. These are crackheads and lowlife. STAY OFF THE PHONE!! And, don't pay these crackheads anything! Send them a CEASE COMMUNICATIONS request as per your rights under the FDCPA. Send this by certified mail, return reciept requested and be sure to put the certified# on the letter itself. Keep a copy for your records. This is very important as it proves exactly what you sent. Now, when they violate your legal request, you sue them as provided for in the FDCPA.