Jace
Chicago,#2Consumer Suggestion
Sat, January 27, 2007
...but since you don't have any correspondence from them, you don't know for a fact that the calls have to do with outstanding debt. File a "cease communications" letter RRR, stating that you tried to respond but could not get thru, and the calls are now harrassment. Demand that they contact you only thru the mail. Do NOT sign the letter. If they send you a letter regarding debt, send them one back RRR requesting proof of debt (what is the debt, when incurred, who owns it, etc etc etc). Only communicate with Boyajian thru the mail, because a) his operators are rude, stupid and will not help you unless you agree to pay, b) talking to them could make the situation worse, and c) if you demand proof of debt via mail, you'll never hear from them again.
P
Dallas,#3Consumer Suggestion
Sat, January 27, 2007
Tell them to validate by . What the money you say I owe is for; ? Explain and show me how you calculated what you say I owe; ? Provide me with copies of any papers that show I agreed to pay what you say I owe; ? Provide a verification or copy of any judgment if applicable; ? Identify the original creditor; ? Prove the Statute of Limitations has not expired on this account ? Show me that you are licensed to collect in my state ? Provide me with your license numbers and Registered Agent 1. NEVER talk to a collection agency on the phone. Period. 2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon. 3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER ? TYPE YOUR NAME 4. Keep a copy of every letter you send. 5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest. 6. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention or until the SOL runs out ..
J
Lakewood,#4Consumer Suggestion
Sat, January 27, 2007
Talking to these people on the phone, is a mistake. I would just write a letter, stating you called several times, each time i return your call, nobody will answer. Whatever the reason your calling, STOP any communication must by via us mail. I assume this is about an alledge debt, if so send me the information and i will respond accordingly don't sign this letter, send it (RRR), do not put you ssn# in the letter. 201 route 17 no. 5th floor rutherford new jersey 07070-2574 jack hagop boyajian 2 broad street 6th floor bloomfield, nj. 07070 there no point in playing phone tag