Complaint Review: Arrow Financial Services - Gaithersburg Maryland

Douglas, who do you think you are judging me as a person? When you have a business, in this case, a collection agency that seem to think bullying is the best policy, yes, sending a cease and desist letter is justified. There was an issue of the dollar amount being disputed, not whether or not it was owed. If this collection agency wanted their money and could provide the requested proof, they would jump at it. Instead, they are trying to sucker this person who is trying to make good on this debt, and they are not willing to cooperate. Maybe she should send them a dollar every other week until it is paid off. Or, since that doesn't sound logical, then they need to stop trying to throw their wait around and trying to collect by means of intimidation. If they want to continue to harrass and annoy a person and refuse to work with a person, then yes, a cease and desist letter is justified. Since there already seems to be a class action against them, What does that tell you about them Mister Douglas from Massachusetts. You are a joke. People walk down your path of life, they can be guarenteed to get RIPPED OFF. Oh, for the record, My Husband and I are Debt Free, Own our home, Own our vehicles, and have credit scores of over 800. So, take your worthless comments and stick them where the sun doesn't shine.

Angie seems like a very angry person who has spent a lot of time in debt. That advise is only good for those BS collection agencies who are out for bogus debts (i.e. Fingerhut, Camco and RJM) If the debt is real and valid, consider taking a less combative resolution. A cease and desist letter will stop harassment, but it could set you up for a fall just as easily. When I worked in collections, if someone sent a c&d letter, it was lawsuit time. Most small retail debt is sold to those collection agenices and a lot will sue you to get their money. The 30 day time limit is how long the debtor has to dispute the debt with each new agency, an agency however can take as long as it wants to obtain verication of the debt. They can't contact you again (except for a final contact to inform you of their intentions) until they obtain this verification. If they own the debt though, as soon as the verifcation arrives, it gets mailed to you the same time the small claim forms are mailed to the courthouse. You see, verification of the debt is all a collection agency needs to win a law suit against a debtor. If the debt is valid, your best bet is to pay as much as you can as often as you can until it is paid. If you are able to get the funds together, call them and offer 30% to settle the account, they will say 80% no less and you both compromise to 45%-65%. However, if any collection agency is being rude or hostile, you should file reports with the proper government bodies and talk to a lawyer. Don't take any abuse and don't give any either. People like Angie think it is the collection agent's fault they owe money to everyone and go out of their way to avoid their bills and look for loopholes. They even encourage others to do the same. Don't go down that road. You seem to be trying your best and I wish you luck in your efforts. May the best of your past be the worst of your future.

You should be aware that there is a class action lawsuit going on now. You need to go to the FTC web site and file a complaint online. It is very easy. You should not have anymore problems.

Colleen, Send this piece of garbage a cease and desist letter. Advise him you are disputing the debt and want a complete print out of how they came to that dollar amount to collect on. Tell them they are to only contact you via USPS to provide proof of the debt and that is it. If they contact you for any other reason, they have broken the FTC law. They have to furnish you with the proof within 30 days as also required by law. If they don't, then you can easily assume they can't verify the debt or they can't verify the correct amount. When you send the letter, make sure it is sent certified with return receipt. That should stop the calls and make them star scramming to proove this debt. Until they get your certified letter, they will continue to call, and inform them you dispute the debt and it is their responsibility to proove that YOU owe the debt, not You prooving you don't. If things get really nasty when they call, inform them that from this day on you will record all conversations with them until the cease and desist letter is signed for and you get your receipt. If they don't want to be recorded, they will tell you that and either they will hang up, or tell you they do not agree to be recorded, and then you can hang up. Play some games with them, and have fun. They hate it. Keep in touch to inform how things go.