Sharon
Houston,#2Consumer Suggestion
Sat, April 24, 2004
I was reading your complaint about the 10 year old being frightened. As an experienced professional in the industry I can tell you anyone that is not listed on the credit account, besides a spouse can be considered a 3rd party. How did your balance get so high? was this account already past due before the collector called? It sounds like compounded penalites are accruing and the fact that you refused to pay the amount you are not disputing is only going to make the situation worst. A 10 year old child doesn't know any better, and there is a difference in urgent and emergency, in regards to a collector calling. I was a veteran collector (one of the good guys) and never, ever, broke a law... The word harrassment is one of the most misunderstood words in the dictionary. http://www.ftc.gov/ftc/consumer.htm to learn about various consumer laws. click on FDCPA. Good luck to you, PS If my memory serves me correctly Arrow Financial is a collection agency.
Sharon
Houston,#3Consumer Suggestion
Sat, April 24, 2004
I was reading your complaint about the 10 year old being frightened. As an experienced professional in the industry I can tell you anyone that is not listed on the credit account, besides a spouse can be considered a 3rd party. How did your balance get so high? was this account already past due before the collector called? It sounds like compounded penalites are accruing and the fact that you refused to pay the amount you are not disputing is only going to make the situation worst. A 10 year old child doesn't know any better, and there is a difference in urgent and emergency, in regards to a collector calling. I was a veteran collector (one of the good guys) and never, ever, broke a law... The word harrassment is one of the most misunderstood words in the dictionary. http://www.ftc.gov/ftc/consumer.htm to learn about various consumer laws. click on FDCPA. Good luck to you, PS If my memory serves me correctly Arrow Financial is a collection agency.
Sharon
Houston,#4Consumer Suggestion
Sat, April 24, 2004
I was reading your complaint about the 10 year old being frightened. As an experienced professional in the industry I can tell you anyone that is not listed on the credit account, besides a spouse can be considered a 3rd party. How did your balance get so high? was this account already past due before the collector called? It sounds like compounded penalites are accruing and the fact that you refused to pay the amount you are not disputing is only going to make the situation worst. A 10 year old child doesn't know any better, and there is a difference in urgent and emergency, in regards to a collector calling. I was a veteran collector (one of the good guys) and never, ever, broke a law... The word harrassment is one of the most misunderstood words in the dictionary. http://www.ftc.gov/ftc/consumer.htm to learn about various consumer laws. click on FDCPA. Good luck to you, PS If my memory serves me correctly Arrow Financial is a collection agency.
Sharon
Houston,#5Consumer Suggestion
Sat, April 24, 2004
I was reading your complaint about the 10 year old being frightened. As an experienced professional in the industry I can tell you anyone that is not listed on the credit account, besides a spouse can be considered a 3rd party. How did your balance get so high? was this account already past due before the collector called? It sounds like compounded penalites are accruing and the fact that you refused to pay the amount you are not disputing is only going to make the situation worst. A 10 year old child doesn't know any better, and there is a difference in urgent and emergency, in regards to a collector calling. I was a veteran collector (one of the good guys) and never, ever, broke a law... The word harrassment is one of the most misunderstood words in the dictionary. http://www.ftc.gov/ftc/consumer.htm to learn about various consumer laws. click on FDCPA. Good luck to you, PS If my memory serves me correctly Arrow Financial is a collection agency.