Complaint Review: Camco - Rockford Illinois

Hey there James along with Everyone else, I hope that this rebuttal finds you in good spirits and health. James you have brought up some very valid and interesting points, however, let us not forget that sCamco is a third party collection agency, that takes it upon themselves to purchase old and possibly very outdated "debts". Many, if not all of the "debts" which sCamco purchases, along with many other fraudulent collection agencies, are unenforceable and more than likely have exceeded the statute of limitation according to the Fair Debt Collection Practices Act. It's really as simple as proving, that someone owes money, which sCamco clearly fails to do, just as any fraudulent collection would. Proof is an absolute must when attempting to collect money from individuals. A legitimate collection agency, would have absolutely no problem furnishing proof of any "debt", thus making it difficult to near impossible for consumers to avoid paying any so called "debts". SOMETHING FOR ALL TO PONDER: One cannot possibly walk into a store without a receipt (proof of purchase), randomly select items off a shelf, place it in a shopping bag and exit store without being guilty of "stealing", which is exactly what fraudulent collection agencies literally attempt to do. I personally, have been duped by the fraudulent John Beck Mentoring Institute and it's funny to me how they sick EPN (their frauduelent collection agency) on RANDOM victims. The fraudulent John Beck Mentoring Institute refused to come forward to prove their business legit in our credit card dispute, so there's no way they'd receive any money from me. You see, once a fraudulent business fails to win a favorable decision in a credit card dispute, there no longer exists a "debt". Any "debt" ceases to exist. The "debt" is erased. The "debt" is nada. So it literally makes absolutely zero sense for any bone headed third party collection agency to purchase expired "debts", regardless of the discount. Purchasing expired "debts" and attempting to cash in on them, is comparable to that of purchasing expired fruits and attempting to exchange it for fresh fruit the following day. Until next time, take care James along with Everyone else cause I care, Aloha from Hawaii and God Bless.

Witch Hunt. I can see that camco got what they deserve, & we wont miss them now that they are gone. But all this hate for the whole industry? I own a business & when I don't get paid I run to the debt collector's to help me. Many of these people sound like a street gang swapping HATE the POLICE stories. When I lend $$$ am I wrong to want it back? When you lend money don't you simply want it back. Come on people lets hang the bad guy, but lets not forget if we take from & not pay it back we are not the victom, gathering together & making logic about how evil the collector is & how we hate him, could we be just hanging the witch because she reminds us we are doing a little bit wrong?

For those of you who dont PAY YOUR BILLS, you may check your credit as many times as you wish. I have discovered a flaw in Experians database. When you click the order your credit report tab, it displays ordering info. At the top there is a "under certain circumstances you may qualify for a free or discounted credit report." You click on it, and type in your pertinent information. Then it will ask for the company name that declined your credit app. Under the FCRA law, you are entitled to a free credit report if your denied within 60 days. All you have to do is type in a company name that you know is an inquiry on your credit report with Experian. It doesn't have to be a company that denied you. All the database does is search for the particular name, and you type in some security verification and bam! You gotta report! I have done this everyday for the past few months and got several of my friends to get free multiple copies of their credit reports. I think for a multibillion dollar agency that makes money off of us, I think a few hundred people won't hurt their profit margin. I don't see how it costs them anything when an automated system pulls your credit report during overnight hours. LMAO, I just got another one! Thats four reports this hour. This system is flawed, and I strongly encourage everyone to pursue this opportunity. Equifax doesn't allow you to gain access to your free report online, it is required via US mail. TransUnion allows you to get a free credit report, but you have to register with them first. You can try it with TransUnion if you wish to register with them. Thats 2 bureau credit reports. About 20 bucks saved right there. Remember to PAY YOUR BILLS so you don't have to worry about bad credit! I have also stumbled upon a way to get a FREE credit score from experian also, but untill I understand how it works then I will relay the info to you. I have personally gotten 2 free scores, so I should know in a few days!

I have my own CAMCO horror story for those among you who feel the need to berate people into feeling guilty that they are not offering their money, hearts, souls and blood to POOR, INNOCENT CAMCO. In 1993 my husband and I discovered we had been victims of identity theft (well before we even heard the term) at the hands of a family member - not a member in our household. This family member had taken pre-approved credit cards from our mailbox and used them to run up debt of over $30,000. This person had paid the cards for nearly a year until the credit limit was gone and they could move from the area. The first we became aware of this was in 1994 and only then through a series of agressive collection calls from the bank who we thought must have made a mistake. After nearly a month of harassment and after we had contacted our attorney we came to realize what happened based on the items charged and the locations. We had seen many of these same items with this family member as a result of a "high-paying new job" as they described this windfall. One of the debts was a Citibank Card and the other was an East Coast bank. We contacted both and provided Police Reports, copies of our identification, copies, of signatures from current and past items, as well as an affidavit drawn by our attorney. Within a month Citibank had provided us a release letter and expunged the entry from our credit records with all the major bureaus - I have had an active account with them for nearly 20 years and now you can see why. The other institution - MBNA - was not at all cooperative. Even with all the information provided they continued to seek collections efforts. After a number of reputable collection agencies had contacted us and been provided all this same documentation they had advised MBNA the debt was not ours and that the agency itself would not pursue it MBNA found CAMCO. They proceeded to use a variety of unethical and probably illegal tactics to pursue this including: the Collector advising they had contracted a handwriting expert who concluded the signature was mine, another who stated that we should start packing as they would soon own the house, and my personal favorite "how would you like you kdis to know their parents are deadbeats." This has been going on for nearly a decade now and we still get what we refer to jokingly as our semi-annual analist attempt to abscound with our assets. It has become a family joke and thatnsk to the Fair Credit Reporting Act and over $5,000 in legal fees it has not impacted our credit rating which remains over 800. So before you assume everyone CAMCO collects from is some type of deadbeat you may want to re-evaluate......

Hey there Everyone, I hope that this rebuttal finds you in good spirits and health. SAMPLE LETTER TO COLLECTION AGENCIES: Today's Date Your Name Your Address Collector's Name Collector's Address Dear {insert name of collector or company}, I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe that I owe what you say I owe. This is the first I've heard from you, or any other company regarding this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following: 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; Identify the original creditor; Provide a verification or copy of any judgment (if applicable); Show me that you are licensed in my state, and provide me with your license numbers (if applicable). Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that: You cannot add interest or fees accept those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me, that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. If your pursuit for a judgement is found to be frivilous, you may expect an enormous countersuit. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, that you say I owe money too, so they are also aware of my dispute with this debt. Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me, that your debt collection efforts are being terminated, or that you are taking specific actions allowed by law. Signature here Your Printed Name ____________________________________ Any and all LEGITIMATE collection agencies are aware, that it's impossible to collect a "debt", that ceases to exist. If a consumer had been unwilling and or unable to pay a merchant a "debt" for whatever reason, what makes anyone think they would be willing to pay a third party collection agency, especially on expired "debts" according to the Fair Debt Collection Practices Act? LMAO. Until next time, take care Everyone cause I care, Aloha from Hawaii and God Bless.

Hey there Everyone, I hope that this rebuttal finds you in good spirits and health. SAMPLE LETTER TO COLLECTION AGENCIES: Today's Date Your Name Your Address Collector's Name Collector's Address Dear {insert name of collector or company}, I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe that I owe what you say I owe. This is the first I've heard from you, or any other company regarding this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following: 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; Identify the original creditor; Provide a verification or copy of any judgment (if applicable); Show me that you are licensed in my state, and provide me with your license numbers (if applicable). Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that: You cannot add interest or fees accept those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me, that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. If your pursuit for a judgement is found to be frivilous, you may expect an enormous countersuit. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, that you say I owe money too, so they are also aware of my dispute with this debt. Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me, that your debt collection efforts are being terminated, or that you are taking specific actions allowed by law. Signature here Your Printed Name ____________________________________ Any and all LEGITIMATE collection agencies are aware, that it's impossible to collect a "debt", that ceases to exist. If a consumer had been unwilling and or unable to pay a merchant a "debt" for whatever reason, what makes anyone think they would be willing to pay a third party collection agency, especially on expired "debts" according to the Fair Debt Collection Practices Act? LMAO. Until next time, take care Everyone cause I care, Aloha from Hawaii and God Bless.

Hey there Everyone, I hope that this rebuttal finds you in good spirits and health. SAMPLE LETTER TO COLLECTION AGENCIES: Today's Date Your Name Your Address Collector's Name Collector's Address Dear {insert name of collector or company}, I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe that I owe what you say I owe. This is the first I've heard from you, or any other company regarding this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following: 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; Identify the original creditor; Provide a verification or copy of any judgment (if applicable); Show me that you are licensed in my state, and provide me with your license numbers (if applicable). Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that: You cannot add interest or fees accept those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me, that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. If your pursuit for a judgement is found to be frivilous, you may expect an enormous countersuit. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, that you say I owe money too, so they are also aware of my dispute with this debt. Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me, that your debt collection efforts are being terminated, or that you are taking specific actions allowed by law. Signature here Your Printed Name ____________________________________ Any and all LEGITIMATE collection agencies are aware, that it's impossible to collect a "debt", that ceases to exist. If a consumer had been unwilling and or unable to pay a merchant a "debt" for whatever reason, what makes anyone think they would be willing to pay a third party collection agency, especially on expired "debts" according to the Fair Debt Collection Practices Act? LMAO. Until next time, take care Everyone cause I care, Aloha from Hawaii and God Bless.

Once again, since you aren't bright enough to get it the first time around, 80% OF THE PEOPLE SCAMCO HASSLED FOR MONEY DID NOT NOT NOT NOT NOT OWE IT.Whether I pay my bills or what they are is absolutely none of your business. Under no circumstances will I pay a bill that is not proven to be mine. Why should I? And, no, I don't have to prove I don't owe the bill, the collector, BY FEDERAL LAW, is required to prove the bill is valid and is mine. Considering your obnoxious personality, yur evident paucity of education and generally asinine demeanor, you are a classic sCAMCO employee.

Hey there Everyone, I hope that this rebuttal finds you in good spirits and health. HERE'S JUST ONE OF THE MANY ARTICLES, REGARDING SCAMCO'S UNSCRUPULOUS DEBT COLLECTION PRACTICES. March 24, 2004 Debt Buyer/Debt Collection Companies and Their Principals Settle FTC Charges FTC Alleges CAMCO, RM Financial, and their Principals Violated Fair Debt Collection Practices Act Companies that the Federal Trade Commission alleges have threatened and harassed thousands of consumers to get them to pay old, unenforceable debts or debts they did not owe have agreed to settle charges that their abusive and deceptive collection practices violated federal law. The settlement prohibits the companies' alleged abusive debt collection practices in the future, require disclosures to consumers of their rights in the companies' collection notices and communications with consumers, and requires the companies and their principals to pay a $300,000 civil penalty. The FTC charged that Capital Acquisitions and Management Corp. (CAMCO), its subsidiary, RM Financial Services, Inc., and four principals, engaged in systematic and widespread violations of the Fair Debt Collection Practices Act (FDCPA). The FTC charges that the principals of the companies were directly involved in the alleged law violations. CAMCO is a debt buyer a company that buys old debts well past the statute of limitations and attempts to collect them. Most of the debts are unenforceable in court and are also so old that they are beyond the reporting periods allowed under the Fair Credit Reporting Act. Some of the debts CAMCO allegedly attempted to collect were already discharged in bankruptcy or had been paid. The FTC charged that in their attempt to collect these debts, the companies engaged in abusive and deceptive collection practices, including: Harassing consumers at their workplaces; Discussing consumers' debts with third parties; Continuing to communicate with consumers after consumers had notified them that they did not owe the money and did not wish to be contacted again; Using obscene or profane language; Calling consumers continuously with the intention of annoying and abusing them; Falsely representing the amount and legal status of the debts; Misrepresenting themselves as attorneys; Threatening imprisonment, seizure, garnishment, attachment or sale of property or wages with full knowledge that such action could not legally be taken; Threatening to take action that could not be legally taken, including threatening to disclose the debts to consumers' employers and threatening to report the debt to consumer reporting agencies even though the debts are past the credit reporting periods; and Ignoring consumers disputes of the charges and continuing to harass them after consumers requested verification of the debts. The settlement with CAMCO, RM Financial, Reese Waugh, Jerome Kuebler, Scott R. Franson, and Mario Bianchi prohibits these deceptive and illegal practices. It further requires the defendants to pay a civil penalty in the amount of $300,000. It requires that all written collection materials sent to consumers contain disclosures about consumers' rights under the FDCPA, provide an address and phone number consumers can use to contact the companies, disclose that the FTC enforces the FDCPA, and disclose ways to contact the FTC. It also contains certain recordkeeping and bookkeeping requirements to allow the FTC to monitor compliance. The Commission is accepting this settlement, said Chairman Timothy J. Muris, because there is ample evidence of the defendants' liability. We are reviewing our civil penalty program to determine whether the overall range is appropriate. As part of this review, we will give additional scrutiny to the level of civil penalties in the future. The Commission vote to refer the complaint and consent decree to the Department of Justice for filing was 5-0. The complaint and consent decree were filed on March 24 in the U.S. District Court for the Northern District of Illinois, in Rockford, by the United States Attorney and the Department of Justice at the request of the FTC. The consent decree was entered by Judge Phillip G. Reinhard. NOTE: This consent decree is for settlement purposes only and does not constitute an admission by the defendant of a law violation. A consent decree has the force of law when signed by the judge. Copies of the complaint and consent agreement are available from the FTC's Web site at http://www.ftc.gov and also from the FTC's Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint, or to get free information on any of 150 consumer topics, call toll-free, 1-877-FTC-HELP (1 877-382-4357), or use the complaint form at http://www.ftc.gov. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. MEDIA CONTACT: Claudia Bourne Farrell, Office of Public Affairs 202-326-2181 STAFF CONTACT: Charles Harwood or Nadine Samter, Northwest Regional Office 206-220-6350 (FTC File No. 022 3222) (Civil Action No. 04 C 50147) (http://www.ftc.gov/opa/2004/03/camco.htm) __________________________________________________ If you are being harassed by sCamco or one of the many other "collection" agencies, DO NOT send them any money before thoroughly researching the company and the so called "debt". There stands a chance, that any and all "debt buying" collection agencies are non compliant to the Fair Credit Reporting Act and it's statute of limitation. One things for certain however, sCamco (old debt buyer) should now have enough toilet paper to last them through the holidays. LOL. Oh yeah, and stop b***h!ng about the creepy crawlers. I personally, would take spiders any day, over a mad man with a loaded 9MM and a REASON to use it. An employee of a fraudulent collection agency crying over retaliation, is comparable to that of a rapist in prison crying, because he's being sodomized. F%CK SCAMCO! Until next time, take care Everyone cause I care, Aloha from Hawaii and God Bless.

Hey Sylvia, I dont have to worry about spider bites or being un employed. For the 50th time I told you. I never worked for Camco. What part of the english language do you not understand? Sylvia, I have read a lot of your posts throught the whole ordeal, and the questions posted to you have never been answered. If the debt is validated, would you pay it? I have never seen you reply YES if I owe it. Not once did you own up or fess to pay a bill that you legitimately owe. Lets talk about that issue Sylvia, if the debt is validated and proved to you that you owe but is out of statue ....would you pay it? I am going to sit back and watch you babble and divert the direct question I am asking you. I am happy that Camco got shut down, I have stated previously I do not condone the FDCPA violations, GOOD FOR THE FTC!!! KEITH- SINCE YOU LIKE MY CAPS SO MUCH, I WILL PROBABLY JUST KEEP TYPING THEM FOR YOU. I STILL AM GOING TO TELL YOU TO PAY YOUR BILLS KEITH. AND DEBATE WITH YOU WHETHER OR NOT VIOLATIONS HAVE OCCURED. ALSO KEITH, I GUESS YOU WILL PROBABLY HAVE TO SEEK SOME PROFESSIONAL HELP IN REGARDS TO YOUR INTERNET/CAMCO ADDICTION NOW THAT ITS OVER. GOOD LUCK THERE.

Well, Jason, what do you have to say now? Did you get the part in which the FTC clearly stated that sCAMCO collected on debts that were NOT OWED BY THE PEOPLE THEY WERE CALLING? Remember what has been said repeatedly here about proving the validity of a debt? Let's hear what you have to say. Oh, sorry. I forgot you are probably busy filing for unemployment and looking for honest work. You'll need a job to keep your snakes and spiders warm this winter. Note to Scott from Akron - you deserve the greatest thanks for fighting these jerks for the last couple of years. You've been unstinting in your efforts to help others and you should get a medal. I truly hope you can nail these guys to the wall for threatening you and your family.

Hey Jason, now with camcos closure where ya gonna post? hey, make yourself useful. but most of all take your caps & your mindless babble & ranting and put it to good use - somewhere else. maybe you can try writing comedy?

http://www.wifr.com/home/headlines/1130822.html It appears the FTC disagrees with Jason regarding lawsuit threats. From the article referenced above: * * * * * President of Receiver Corporation, Jay Steinberg says, "There are no allegations of fraud. It's the method used to collect money. These are receivables over 10 years old so you can't go to court and sue. The allegations are by people that have been threatened by lawsuits." * * * * * It looks like the principals of Camco are going to be grabbing their ankles for Bubba ... and it couldn't happen to a nicer bunch of criminals. Thank you, Ripoffreport.com, and thank you to all the people who complained to the FTC and helped to shut down this gang of crooks.

yee haw, read all about it, ftc shuts camco down! and it's all because of posters like us who took the time to continue filing reports with the ftc & other agencies. i'm sure you will find many reports to confirm this story today. "The Federal Trade Commission comes in and shuts down a debt collection company in Rockford. Just after 4 Monday, over 100 employees at Capital Acquisitions and Management Corporation or CAMCO were told to get their personal belongings and leave. The FTC filed a complaint against CAMCO in U.S. District court on December 2, 2004. The next day, a judge appointed Receiver Corporation to lead the investigation. Now this business has been shut down indefinitely."

Hey Jason about the whole breaking the law thing...if it isn't you admitting it, then why are the same spelling and grammer mistakes made in all of your rebuttals? Well that'll be up to the feds to decide. I have forwarded this thread to them. You know they don't take kindly to people admitting that kind of thing in a public forum. Oh and by the way they can check your IP address and see if you had access to any of those computers. Even work, home, library...anything! Good Luck! Casusal Observer Oh and by the way if you get a call from a debt collecter send them a letter stating you will be paying the original debter (if you want to pay it) and not them. send the same letter to the original debter. They HAVE to let you do this. Federal Law! Have a great day!

You are all pathetic! Can't you see this Brazilian guy is telling the truth?? TO Kevin: Fer De Lance snakes CAN survive cold winters in buildings. Those spiders are deadly. Whoever that is needs to get a life! Threatening us collectors like that! And I saw your post Farao, about you threatening to come to Enterprise Recovery Systems to do the same! I'd like to see you try pal! Your probably like everyone else on here scamming and not paying their bills! HERES AN IDEA... INSTEAD OF THREATENING US WITH FER DE LANCE SNAKES PAY YOUR BILLS! INSTEAD OF WASTING YOUR MONEY ON A WANDERING SPIDER PAY YOUR OBLIGATIONS! HAVE SOME MORALS! DO YOU HAVE CHILDREN?! WOULD YOU TEACH THEM TO SCAM LIKE THAT? PAY YOUR BILLS DONT CHEAT DONT LIE DONT SCAM PAY YOUR BILLS OR BETTER YET... DONT.. AND GIVE ME MY JOB SO I CAN KEEP IT BY HAVING PEOPLE LIKE YOU TO CALL AND HARASS! OH YEA... THE BILL FOR THE BRAZILIAN WANDERING SPIDER FOOD AND THE FER DE LANCE WAS SENT TO MY OFFICE... YOU ARE ON MY LIST PAL YOU DONT SCAM PAY THE d**n BILLS GET A LIFE AND QUIT IMPERSONATING ME I KNOW SOMEONE IS EVERYONE ON HERE IS SCAMMING TO MAKE ME LOOK BAD MORE SCAMMING ITS SAD IT REALLY IS. I am still waiting for someone to point out where it says in the FCRA that prohibits us from attempting to collect on an out of stat paper! It is legal, and it is done everyday! If you owe the bill, pay it. Do you not all have any morals? Instead of posting stupid stuff about poison snakes and spiders, pay the bills. You will feel better about yourselves. Your constant scamming makes me sick.

I dunno about ya'll but I think this whole thread is crazy! This is another tupper lake type melodrama. I thought this whole post was about camcos illegal tactics. If that is true about the spiders I feel sorry for anyone who has to work there!

I did a quick search, and didn't see any news reports about Camco employees getting bitten by poisonous spiders. I'd also note that "poison dart frogs" are only poisonous when they're in the Amazon and have access to the insects they digest to create their poison. Captive bred and long term captive poison dart frogs are harmless -- and even a wild one isn't going to kill you unless you eat it. And if you let a Bothrops sp. (Fer de Lance, aka Terciopelo) loose in an Illinois Winter, you're soon going to have a Fer-de-Lancesicle. I doubt a Bothrops can get the kind of heat it needs even in an office building. (Yes, I know a little bit about keeping exotic animals: no, I'd never be so cruel as to expose my snakes to the people who work at Camco. I love reptiles far too much for that ;) ). My guess is that Camco is trying to discredit this board and/or set the operators up for a lawsuit. ("They're ENCOURAGING people to ATTACK our PLACE OF BUSINESS WITH POISONOUS ANIMALS!!!") Either that, or we've got some trolls trying to be funny.

You don't expect anyone to actually believe that lame story do you 'John'? I think the whole thing is just a big joke.

You don't expect anyone to actually believe that lame story do you 'John'? I think the whole thing is just a big joke.

You don't expect anyone to actually believe that lame story do you 'John'? I think the whole thing is just a big joke.

You don't expect anyone to actually believe that lame story do you 'John'? I think the whole thing is just a big joke.

...in this case a poison spider. It was supposedly done with intent to kill/harm and that is a "Terrorist Threat"..a felony and possibly Federal criome also, given our world atmosphere. I am not sure this story is even true....from a professional view I can see that it rambles and tells a good yarn....however, making threats on the internet is against the law and commes under FCC and other laws. If you think about it and re-read the story several times, believe me this moron wants attention and a good book from the library can give his immagination fuel. I am not going to get into the Penal Codes, look it up yourselves or call your local police dept. And whoever says they saw this incident occur, there are alot of gaps in your story too....one looking deep could suspect one and the same person....

I saw you on Thursday. I knew I saw a South American looking guy, you even had the accent. The receptionist thought it was suspicious because a custodian went out there to check on your "dead rodent" fib. Who the heck do you think you are? Did you know one of my callers got bitten by something, on his leg? He didn't know what it was because instantly the pain shot up his leg into his abdomen. He described it as a bullet wound type of pain. There was a nasty deep red swollen area near his ankle. The guy collapsed within 5 minutes of being bitten and was in de-fib when the paramedics arrived, they said. Those ambulances you heard on Saturday were for him, you moron. I don't know if he is going to be ok, the hospital hasn't released any information yet. I hope you feel remorse for what you did. Just because we run this company, doesn't give you the right to do that. We also received an anonymous call from someone in the city, stating that unless we stop our illegal collection tacics and collecting on out of stat papers, there would be an infestation of these spiders your talking about. They pointed me to this site, accepted responsibility for what was posted. I assume its the same poster here. They said something about deathstalker scorpions, ferde lance snakes, and poisoned dart frogs finding their way into the building. Has anyone heard of these things? Are they really that dangerous as this guy makes them out to be? I am not an inclined insect person so I don't really know. One of the employees on Saturday reported seeing what looked like a large tan scorpion. Is this your doing also? Look, we have security cameras and we will be going over everything to see what we can come up with. We have a witness that saw you run out of the building and reported the vehicle that took off. They thought you stole something or robbed someone because you were holding something under your jacket. Your license plate was reported. We havent found these spiders this guy is talking about, what are they anyways? My best guess is that supposed scorpion my employee said they saw might be the "bite" culprit. But they didn't get a clear look at it, as it was going in a vent. If I end up getting bitten or stung, I will personally sue you and make sure you get locked up. Is there anyway someone like him can get into trouble for something like that? Assault with a spider or snake is really going to go over with the DA's office.

I saw you on Thursday. I knew I saw a South American looking guy, you even had the accent. The receptionist thought it was suspicious because a custodian went out there to check on your "dead rodent" fib. Who the heck do you think you are? Did you know one of my callers got bitten by something, on his leg. He didn't know what it was because instantly the pain shot up his leg into his abdomen. He described it as a bullet wound type of pain. The guy collapsed within 5 minutes of being bitten and was in de-fib, they said. Those ambulances you heard on Saturday were for him, you moron. I don't know if he is going to be ok, the hospital hasn't released any information yet. I hope you feel remorse for what you did. Just because we run this company, doesn't give you the right to do that. We also received an anonymous call from someone in the city, stating that unless we stop our illegal collection tacics and collecting on out of stat papers, there would be an infestation of these spiders your talking about. They pointed me to this site, accepted responsibility for what was posted. I assume its the same poster here. They said something about deathstalker scorpions, ferde lance snakes, and poisoned dart frogs finding their way into the building. Has anyone heard of these things? Are they really that dangerous as this guy makes them out to be? I am not an inclined insect person so I don't really know. One of the employees on Saturday reported seeing what looked like a large tan scorpion. Is this your doing also? Look, we have security cameras and we will be going over everything to see what we can come up with. We have a witness that saw you run out of the building and reported the vehicle that took off. They thought you stole something or robbed someone because you were holding something under your jacket. Your license plate was reported. We havent found these spiders this guy is talking about, what are they anyways? My best guess is that supposed scorpion my employee said they saw might be the "bite" culprit. But they didn't get a clear look at it, as it was going in a vent. If I end up getting bitten or stung, I will personally sue you and make sure you get locked up. Is there anyway someone like him can get into trouble for something like that? Assault with a spider or snake is really going to go over with the DA's office.

I am going back to Brazil as of Tuesday. I can't give the reason why, but I will say that I am being offered better opportunities down there. Keith and Scott, I did not threaten them. I simply did as I said. Did you both read the web site or search on the net about brazilian wandering spiders? I stated that I placed them in the building of Camco. It was very risky and I am sure I could have been arrested, but I assumed that risk, and I managed to pull it off. What I don't get is why people here are making a big deal of this spider. We don't make a big deal about your black widows or violen spiders. Like I said, if no one bumps into the two spiders, they wont get bitten. Plain and simple. Plus whoever else on here is advocating destruction, they are wrong. But as long as they don't say they will do it, or actually do it. I'm sure theyre upset, like I am. If they are going to do this stuff, they should pay. The fines are like a slap on the wrist. It could be years before anyone actually shuts down camco. That isn't justice. In Brazil, anyone who messes with families pays the pied piper. I am sure you all would get a kick out of seeing a bunch of camcoites running away from these spiders, or getting bitten and screaming. Maybe then the phone calls and letters will stop. I really hope that the female spider made it in the attick so she could ley her eggs, Once they hatch, it's too late. So if anyone can tell me why it is illegal to place a spider inside a building please let me know where it says that. If you can't do that, then please keep your comments to yourself. Like i said I am helping camco with its bug problem. More than likely those spiders will make a home in the attick part of the building or in the vents. If the eggs hatch, then thats when they start crawling out of the vents. *laughs out loud* I can see a camcoite seeing one of those 3 to 4 inch spiders coming out of the vent, and peeing there pants! LMAO :))

My cousin has informed me of a few things. One, he has been receiving threatening letters from Camco. Two, it is illegal to smuggle dangerous specimins past US Customs. Three, if someone were to get hurt or killed at Camco, I could be prosecuted. My family and I drive from Brazil to Rockford with an RV, there's no way customs would suspect anything. Plus, if anything happens as a result of this, including news reports of people bitten or dead, or everyone in the call center attacked by these arachnids *laughs uncontrollibly* I will flee to Brazil to avoid prosecution. They won't be able to touch me in Brazil, so they could try. Plus I don't think it's illegal, people just need to lighten up. We do that in Brazil all the time. If there's an infestation of these bananna spiders, all they do is eradicate the building if the infestation is severe enough to cause concern for people. So I don't think it's illegal here. I did hear an ambulance and a few cops at the same time this morning near camco, we were on an adjacent street to Main st. I'll bet you it had something to do with the spiders. I hope they got a few people in the call center. Again, i'm counting on people to take this lightly. And not blow it out of proportion. I will find out if anyone tattles. You don't want one of these in your house.

Fara, i think you've been standing out in the hot brazilian sun way too long. i don'tt think threatening people on the internet is really what this site is for. and i am surprised that ripoffreport runs such a loose forum, but i'm told they have a very small staff. besides Fara such goofy and threatening posts do nothing to -really- help our cause which in this case is curtailing unfair debt collection tactics, aka camco. in addition Fara, unless you're a computer whiz -your posts can be traced.

Enough of the physical threats and attacks. I have been fighting this company well over 2 years but I do so legally. There is no excuse to threaten them physically or their families or threaten to blow everyone up. There is never a good reason to stoop to their level. They will go down but it will be done LEGALLY and your legitimate complaints will help do this. Your best bet is to constantly call the FTC and the illinois attorney general's office. Get them on tape and sue them. Just do it the RIGHT way. If I EVER find anyone emailing me to discuss blowing someone off I WILL turn you over to the police.

I was informed by my cousin that he got a threatning letter from camco. Justice is done. I was informed by him that I illegally smuggled deadly specimins into the United states right past customs. Good thing the customs agents don't check at the borders. Yes, my family does drive to brazil, boarder crossings through mexico aren't very thorough in the searches, especially if they don't suspect anything. He also informed me that these spiders could easily kill some people if they bit them, I will flee to Brazil to avoid prosecution if such case arises. I highly doubt there is any such law in the usa, because no guns or knives were involved, and in brazil theres no such law that says placing spiders in a buiding is illegal. I am simply helping CAMCO to fight it's bug problem is all.

I was born in Brazil, and I still frequent there. I am living with relatives in Rockford, and have done so for almost 5 years. It has come to my attention that Camco has been harassing my cousin for a supposed debt, that he incurred in the late 80's. They have been calling day in and day out, sometimes calling at 7 in the morning, or as late as 10 to 11 at night. When were trying to sleep. BIG MISTAKE. While pondering retaliation please let me reiterate, what I did should NOT be attempted by anyone inexperienced with handeling spiders, especially dangerous ones. I found a bananna spider a brazilian wandering spider commonly known to most in my backyard when I was living in Brazil. I was about 11 and I didn't yet know about it's toxic nature. It was only untill I turned 18 that I became fascinated with them. Since then we have kept them in captivity. My parents and brothers and the like have kept them just for fun. A terrarium used to hold turtles or small snakes, or fish does suffice. I prefer a 75 gallon tank 3 feet high. We have 9 in three tanks, one of those being a 100 gallon tank. They are kept in controlled enviornments. If you would like information on this spider please visit http://www.petbugs.com/caresheets/P-fera.html and do a search online if you need additional information. They are very fast, and extremely tempermental. I have poked at one in the second tank we have, this spider actually ran up the small branch I used to tease it, towards my hand, when I jumped back it looked as if it was going to try and jump at me. They will bite if provoked and are extremely aggressive. Several sources state this as the worlds most venomous spider known to man, even more then the sydney funnel web spider. Anyways now that you know what I am capable of read on. After camcos relentless harassing of my cousin for over a year now, trying to make him pay 3 thousand something dollars for an old 400 dollar credit card bill from the late 80s. They said something about interest and other fees. I had had enough. I talked to several people who told me that they couldn't make him pay legally. It doesnt mean he doesnt owe the 400 dollars but legally no one can make him pay. So why are they trying to make him pay over 3 thousand? They even went as far as over a year ago to report his account to the credit bureus or whatever they are. He told me this makes it hard on you financially. So on thursday I took matters into my own hands. I went to the camco office in rockford illinois, located at 303 N. Main st. Ok looking place I suppose. I walked in and I asked the receptonist if she could get someone to clean up a few dead rodents in the front of the building. Hoping no one would answer her call, she would have to temporarily leave her position. YES! She did for sure. She was very rude and snippy so I was more inclined to do this. I wore a big down feather coat, under it was a glass container about half the size of a shoe box, with a slit to let speciments out. As she went into a side office, I quickly went to a side hall on the opposite side of where she went. I went in this hall with several rooms lining the hall. I could see a large call center loaded with potential victims. These people had head phones on and were supposedly making harassing calls. Someone came out of a side office *busted!* or maybe not. They went into another room. I quickly placed the glass box on the ground and opened up the sliding door, I kicked the box and out came 2 VERY PISSED OFF brazilian wandering spiders. One was a male and a female for added measure. These are 2 from my same second tank at home. I think the female did mate. This can be very fun if she isn't killed by the time she lays her eggs. I waited about half a minute to skedaddle. I observed male scurring into a side office, and the female was climing the wall close to the ceiling and there are a few gaps in the lights so it can crawl into the attick. I decided to boogie out of there. Grabbing the now empty glass case and stuffing it into my coat, no receptionist in sight, I ran out and down the street a little bit. My ride was only half a block away. Now whoever meets one of the two spiders will deserve it. They are all part of this illegal company, harassing people day in and day out. I haven't seen anything on the news. But I can tell you this, they have there hands full. THese spiders are resistant to conventional pesticides, will run away if cornered, and if attempted to be caught, will bite repeatedly. They can become very agitated and aggressive if there is a lot of light and noise. If one of them did make it into the call center, they will likely be very aggressive. The can lurch out at you, they can jump small distances, and they are more lethal than cobra snakes and the Fer De Lance snake which Brazil also has. Look in the guiness book of world records and see which spider is the most poisonous to man. If camco wants to mess with my family, I will mess with camco. I can get more spiders if I choose. This goes for that guy on here who tells everyone to pay there bills even if they dont owe them. I will come to your collection agency and do the same thing. I was told by my cousin who is the main user of this computer, that the guy is located in westchester and it is the only collection agency in town. It is called enterprise recovery systems. I can get the address for it and I will do the same thing to you, whoever you are the morals guy. And for those of you who get the smart idea to alert camco to this infestation, these spiders are very hard to find. If someone does find it, the spider will run away if given the chance, or if cornered it will lash out and attack. They require a complete evacuation of the premesise and a professional exterminator in a full suit, or an arachnologist to find out where it is. This is no childs toy spider, like what they have here in the usa. I feel sorry for anyone who finds it under there desk or in a storage room. Or stumbles next to it. If the female does lay her eggs and they hatch which takes less than a few months, the whole building will be riddled with perhaps a few hundred of these creepy crawlers. If anyone gets the bright idea to report this to anyone else besides camco, it might do some good, but beware, once they are loose and they do breed, theres not much you can do except to abandon the building for an extended period of time. This is what they have to do in Brazil when we get infestations of these deadly spiders in offices or hotels. In a moments notice I can and I will head right back to Brazil if it turns out that the news is reporting any incidents with these spiders. Have fun camco and I hope you stay away from harassing callers illegally or you too may get bitten!

It is a violation of the FDCPA to threaten a lawsuit (or imply that you will be suing the debtor) if you do not intend to do so, or IF YOU KNOW YOU CANNOT DO SO. If you are holding on to Out-of-Stat paper, you KNOW you cannot sue the debtor. Therefore implying that you are going to "take legal action" or talking about "court costs" on that debt is a violation of the FDCPA. This isn't my opinion -- this is what the FTC says in the excerpt I quoted above. The fact that your collection agency may occasionally file suits on paper which is in-stat has nothing to do with whether or not you can make hollow threats (actual or implied) about legal actions.

This is to let everyone know that I paid off my collections account with Sprint today. Allied Interstate did not agree to take it off my credit, as the woman had promised. Right before I mailed my payment off 3 weeks ago, I called Allied Interstate to double check and make sure the deal was set in stone. The woman informed me that she would not be able to delete it from all 3 of my credit reports. I asked her why, and she replied that doing so would undermine what the credit industry is really about. I said that's crap. She told me that the contracts with the credit bureaus are to only report accurate information, and Allied Interstates policy was recently changed to mimic that of the Credit Bureaus. I told them I would not pay the balance then. I told the woman she could send that paper back to Sprint because I will not pay it. Well, they sure did that. To my surprise, I ordered my credit report last week, and Allied Interstate was no longer on all three. My score is now 726 for Trans Union, 698 for Experian, and 701 for Equifax. Before they were 675 to 690 and Equifax was even at 650 something. See why I was so asanine about having it deleted off my credit report Jason? Now I am comfortably back into prime credit country. I got a call from a collection agency in Philidelphia earlier this morning, SEBCS informed me of the debt. I asked them if this was on my credit and they told me if I paid it off it wouldn't go on. So I gave SEBCS my credit card information and they will fax a confirmation of payment for the Sprint bill. The woman was very polite when talking to me, she treated me like a human being and I was willing to accept responsibility for the payment. It did feel good to finally have it off my shoulders. I will pay the bill if the right things happen. I believe Jason, that it takes not one person to negotiate a settlement, it takes 2 people. The collector and the debtor. If both can communicate effectively, then bills will get paid and credit will be repaired. I believe that a lot of people who have 5 or more collection accounts are afraid to answer the phone. They think the problem will go away, and things will get better. But it only makes it worse. So, if anything, I can say that a lot of bill collectors are decent enough to give us a chance. There are others though, who are wayyy to abrasive with debtors. This makes the debtor unwilling to cooperate. As in my case with Allied Interstate, they didn't get my money. SEBCS got my money, the very first day they called me. If Allied Interstate had not pulled my chains around and had initially agreed to the manual deletions, they would have my money. So in my view, if a Collector is unwilling to work with the consumer, they will loose out. Since I was in Florida for Thanksgiving, getting away from everything in nice warm weather, I have come back today to some positive results. Thank you for the opportunity to debate on here. Jason, you are definently a tough debator. There seem to be some valid points to your posts, but again, theres a right way to handle debtors and theres a wrong way to handle them. My anger towards collectors bending the rules is gone. Everyone is entitiled to free speech, so I will give your last post as a slice of evidence that there are no set in stone laws that define out of stat papers. I checked and I haven't seen any that dictate out of stat papers. So that's a reasonable point.

Surely so you can collect on out of stat debts except wisconsin and maybe, just maybe, california. Camco does NOT sue anyone anymore on any debts. They stopped this about a year ago. I have also never heard of camco dealing with any in stat debts. Everything they have is old garbage. I did email you Jaso. You just assumed by some odd name on the email that I was somebody else.

Trying to blame your stupid actions on some mythical non-billpaying person is ludicrous. Be a man and own up to your cheesy behavior. As for out of stat paper, as far as I know, no one said you couldn't call on it, only that you can't do anything else, such as filing suit or threatening someone or continuing to call once they've told you not to. You can make one final call upon receipt of a Cease & Desist letter and then you can't call any more.

OK Since most of you think you know the FDCPA laws. Show me the part where is says you cannot make collection calls on out of stat paper? Show me where the statue of limitations applies to trying to collect on a bill. FYI statue of limitations only means a judgement cannot be rendered, so Debra show me where in the FDCPA it says you cannot call on out of stat paper, show me where it says you cannot send out a letter on out of stat paper. NO WHERE, its not illegal!!! Call the ACA..american collectors association...ask them...email them, call the FTC, its not illegal. Call your attorney Generals office, its not illegal! If it was illegal, wouldnt the companies that sell out of stat paper be fined and not allowed to re sell the paper. It would be illegal if thats the case. So if anyone can legimately show me where in any federal law, it specifically states that no calls can be made on out of stat paper, then show me. Its perfectly legal, you just cannot render a judgement which is what I have been stating all along, yet you people think you know it all, when in reality your facts are wrong.

OK Since most of you think you know the FDCPA laws. Show me the part where is says you cannot make collection calls on out of stat paper? Show me where the statue of limitations applies to trying to collect on a bill. FYI statue of limitations only means a judgement cannot be rendered, so Debra show me where in the FDCPA it says you cannot call on out of stat paper, show me where it says you cannot send out a letter on out of stat paper. NO WHERE, its not illegal!!! Call the ACA..american collectors association...ask them...email them, call the FTC, its not illegal. Call your attorney Generals office, its not illegal! If it was illegal, wouldnt the companies that sell out of stat paper be fined and not allowed to re sell the paper. It would be illegal if thats the case. So if anyone can legimately show me where in any federal law, it specifically states that no calls can be made on out of stat paper, then show me. Its perfectly legal, you just cannot render a judgement which is what I have been stating all along, yet you people think you know it all, when in reality your facts are wrong.

OK Since most of you think you know the FDCPA laws. Show me the part where is says you cannot make collection calls on out of stat paper? Show me where the statue of limitations applies to trying to collect on a bill. FYI statue of limitations only means a judgement cannot be rendered, so Debra show me where in the FDCPA it says you cannot call on out of stat paper, show me where it says you cannot send out a letter on out of stat paper. NO WHERE, its not illegal!!! Call the ACA..american collectors association...ask them...email them, call the FTC, its not illegal. Call your attorney Generals office, its not illegal! If it was illegal, wouldnt the companies that sell out of stat paper be fined and not allowed to re sell the paper. It would be illegal if thats the case. So if anyone can legimately show me where in any federal law, it specifically states that no calls can be made on out of stat paper, then show me. Its perfectly legal, you just cannot render a judgement which is what I have been stating all along, yet you people think you know it all, when in reality your facts are wrong.

OK Since most of you think you know the FDCPA laws. Show me the part where is says you cannot make collection calls on out of stat paper? Show me where the statue of limitations applies to trying to collect on a bill. FYI statue of limitations only means a judgement cannot be rendered, so Debra show me where in the FDCPA it says you cannot call on out of stat paper, show me where it says you cannot send out a letter on out of stat paper. NO WHERE, its not illegal!!! Call the ACA..american collectors association...ask them...email them, call the FTC, its not illegal. Call your attorney Generals office, its not illegal! If it was illegal, wouldnt the companies that sell out of stat paper be fined and not allowed to re sell the paper. It would be illegal if thats the case. So if anyone can legimately show me where in any federal law, it specifically states that no calls can be made on out of stat paper, then show me. Its perfectly legal, you just cannot render a judgement which is what I have been stating all along, yet you people think you know it all, when in reality your facts are wrong.

Stephanie, Go ahead report me, I have saved every copy of every response I have sent to this website, plus my url and where I am sending the responses to are the same address, someone is claiming to be me and admitting to violating the law. So if you have to report this then do such, you will be waisting your time. If you have noticed in all of my responses I do not and will not curse in any way shape or form. So whoever is using my name, what a joke, again its probably the same people who dont pay their bills and are scamming again. Also the report #110806 is not mine either, so David sorry dude, someone is using my name, which is wrong. And to Spinner Degrassi, nice language, I am suprised at how the rip off report allows this to be posted. Kevin, your statement is the most valid of any on here, in statement #3, I do believe Camco does sue on some of the in stat paper as do most collection agencies. SO for an agency to preface they may or will possibly take you to court, they can do that if they have sued in the past. Now if you owe $100 dollars and they preface they are going to sue you, chances are they have violated the FDCPA, but if you owe a balance of over $500 and its the companies normal practice that they have authorization to sue and do it, then they can preface and imply all they want. Here is the skinny or defense of the agency that prefaces litigation....YOUR HONOR..HERE IS 100 CASES THAT WE HAVE TAKEN TO COURT, SO IT IS A NORMAL PRACTICE OF BUSINESS AND WE DO UTILIZE THE CIVIL COURT PROCEEDINGS IN THE COLLECTION OF SUCH DEBTS...Here is the Judges ruling....CASE DISMISSED..THE AGENCY DOES SUE ON A REGULAR BASIS, ITS A NORMAL BUSINESS PRACTICE, THEY CAN AND HAVE THE ABILITY TO SUE, AND INTEND ON DOING SUCH, THEREFORE PREFACING LEGAL ACTION IS ALLOWED BECAUSE THE AGENCY DOES SUE. As far as Scott is concearned, I did not get an email from anyone named Scott. Sorry try again. Also its the holiday so I may not have been at a computer.

Well either put up or shut up. I emailed you for your phone number and you did not respond. Send me your phone # and workplace since you are so brazen about this whole collection thing.

Go ahead, I dare you to do that. You dont have the balls. If I were you i'd shut up because I can get you an out of stat paper, will that be ok? Then I can ruin your credit. You lowlife. This is why I harass people like you, because you wont pay the bill any other way. Like I said before, if it takes a criminal to make a criminal to pay a bill then so be it! @$$wipe

Jason...you ought to be careful what you admit to and say on a public forum..you dont know who is reading this and what connections or jobs they have...so I am going to give the information that you are reporting to the FTC and let my friend there know you have admitted in writing that you have commited a Federal crime....if I were you I'd shut up pretty quick...you are a fool if you dont.

None of you listen at all. I'm sick of this. Ok, so I do violate Federal Law. I violate it pretty bad, and I do scare a lot of people. That's why my 9,000K based commission is that high. I will continue to harass people even if they don't owe the debt. I have out of stat papers so thats proof enough. I will go play with myself in the shower. Unh Unh huhuhuhUHHUHUHUH. Oh yeaaaa...

Go to http://www.ripoffreport.com/reports/ripoff110806.htm or type ripoff report number 110806 in the url part of your address bar. He references to blowing up collection agencies and beating around the bush. It sounds like to me that he has an identity crisis going on!

Reading this whole thing I am baffled. Why is that lowlife jason attacking people and trying to get them to pay uncollectable debts. He reminds me of a c0cksucker who called and harassed me about a bill. He started cussing at me and I told him that he better not mess with me because I am middle eastern and i'd have a certain middle eastern group (Al Quaida) after him and his building. I told him the next time he cussed at me or called 9 times a day I will have him killed. Needless to say he got scared and hung up. His voice was quirky and he seemed upset! LMAO! That's how you take care of those d**n collectors. Jason if your paying attention I have a treat for you. I read in an earlier post where you work at. How about I stop by and ask for you, and pull a double aught 375 winchester and blow your brains out? That is a threat Jason. You might laugh and discard it, that's fine. But read about whats been happening in the news the past 10 years? And you tell me people aren't capable of it. I will waste your worthless family right to hell. I hate bill collectors and especially bill collectors like you. I think I speak for everyone when I say go away and quit that job. So we have one less rotton c**t working in the illegal and dishonest part of collections. To any other bill collectors on here, if you are honest and don't break the law then i am happy for you and none of the above applies to you. only to that anal c*** jason.

I just posted new info related to CAMCO and their re-selling to LHR,Inc and now to Thorne, Brooks & Shapiro....If this new company contacts you please post the update. Also I contacted the FTC and ATTNY General....they are both onto this new company and they are continuing to persue CAMCO.

Hey there Everyone, I hope that this rebuttal finds you in good spirits and health. SAMPLE LETTER TO COLLECTION AGENCIES: Today's Date Your Name Your Address Collector's Name Collector's Address Dear {insert name of collector or company}, I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe that I owe what you say I owe. This is the first I've heard from you, or any other company regarding this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following: 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; Identify the original creditor; Provide a verification or copy of any judgment (if applicable); Show me that you are licensed in my state, and provide me with your license numbers (if applicable). Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that: You cannot add interest or fees accept those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me, that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will automatically be dismissed based on your failure to follow the FDCPA. Should your pursuit for a judgement be found frivilous, you may expect an enormous countersuit. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, that you say I owe money too, so they are also aware of my dispute with this debt. Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me, that your debt collection efforts are being terminated, or that you are taking specific actions allowed by law. Signature here Your Printed Name _______________________________ Until next time, take care Everyone cause I care, Aloha from Hawaii and God Bless. Reid - Aiea, Hawaii U.S.A.

this is my first time to the ripoffreport. I looked at several posts about collections because I am having the same problems with collectors. Now some of the posts here and in other topics refer to bombings and killing which I don't agree to at all. I will agree with the countless people on here against jason. He is caught making statements saying he violates federal law. I could care less if he has food on the table for his family. I wish people would nail him for calling and harassing people, and he can get fined by the ftc. I wish to see him on the streets with a "feed me" sign. I hope his kids (if he has any) get taken away. I hope his parents disown him, because he is the reason safe sex is advocated by Sue Johanso (Sunday Night Sex Show). Dirty products of stds and other nasty filthy diseases are what create wastes of human flesh and other organic matter known as Jason who illegally harass consumers. I hope, by him using illegal threats, that someone desecrates the grave of his dead relatives. I spit on him and his entire family tree and dead relatives for his deadbeat morals. actually trying to get us to pay a debt even if we aren't sure if we owe it. he needs to get it through his thick skull that these collection agencies, including the one he works for cant take us to court or do anything else to us. he is just frustrated because he can't do crap. he is an imbred product of stupidity, arrogance, strong family ties, drunken sex by his parents when they were young which led to the ingrate and accident we know as jason. *spits at jason and his entire self worth*

Don't go there with me, Junior. My morals are not in question, here, though I suspect yours are since your instant response is to cast doubt on everybody else's. I stand corrected, you do not work for SCAMCO. You collect on student loans? Whole 'nother animal, so far as I can tell. Quite often those are debts you owe to the government. They NEVER forget, ten years old or not. I'm running up a few of those myself, and I have every intention of paying those. I'm not talking about those. I wish you luck. There are an awful lot of liberal arts degrees on the business end of frybaskets. You ask me how I collect out of stat paper? Here's my answer, I don't. Because the law says I'm not allowed to. There ARE laws that govern debt collection, and just because you have been taught how to subvert those laws makes them no less applicable to you. Collectors work in gray areas. They LIVE in gray areas. They live and breathe hoping that the next person they get on the phone is scared to death that the collector will unleash hell on their heads if they don't pony up the cash. Debts discharged by Federal Bankruptcy are uncollectable. The debtor is certainly within his rights to choose to pay them when he is financially solvent, but he need not. Collection agencies are in violation when they pursue discharged accounts. Consumers are protected by statutes. They are more restrictive in some states, less in others. It has nothing to do with individuals and everything to do with the law. Collectors try to work ouside that as much as possible. I do not choose to, therefore I do not collect huge sums of blood money. My employer pays a salary. I will not be paid on commission, because I will be considered a 'decision maker'. I can live with that. I can do what is necessary within those constraints, because I will be operating within the confines of the law. I am currently in school to obtain a paralegal degree. If I must collect for a living, I want it to be entirely open and above board. Morals control the individual, Junior. Laws control society and laws take precedence over morals.

Why send money to someone just because they called and said that you owe it? Prove that the debt exists, as set forth in the FDCPA Sec 809 (a)(4) "a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; ... " and then it's a different story. You are not one to talk about morals, either, Jason, when you don't have the morals to comply with federal laws and then proceed to defend a company that has repeatedly violated those same laws. You're quick to judge when you are entirely clueless as to the reality of the situation. You assume that money is owed when it may not be. You assume anyone who stands up for themselves against crooks, like YOU and sCAMCO (your employer), is automatically dishonest. Sounds like a case of the pot calling the kettle black.

Here's a direct quote from Jason acknowledging some of the slimy techniques he uses to bully people into paying money they don't owe: * * * * * Example, lets say I tell someone ok Mr. Smith..if a judgement is rendered against you, you could be liable for the court costs and attorneys fees. Now you (the wonderful consumers you are) would state I am threating to take you to court, however no where in that sentence did I state I would, the phrase IF AND COULD were used, but because you people are all liars, you claim the agency has harassed you. If you had a family to feed and were in the industry, you would be subject to these type of criticizms, and complaints. * * * * And here's what the FTC has to say on "implying" that legal action has been taken or may be taken. * * * * * http://www.ftc.gov/os/statutes/fdcpa/commentary.htm#807 3. Statement of possible action. A debt collector may not state or imply that he or any third party may take any action unless such action is legal and there is a reasonable likelihood, at the time the statement is made, that such action will be taken. A debt collector may state that certain action is possible, if it is true that such action is legal and is frequently taken by the collector or creditor with respect to similar debts; however, if the debt collector has reason to know there are facts that make the action unlikely in the particular case, a statement that the action was possible would be misleading. A debt collector's implication, as well as a direct statement, of planned legal action may be an unlawful deception. For example, reference to an attorney or to legal proceedings may mislead the debtor as to the likelihood or imminence of legal action. * * * * * Perhaps it would behoove Jason to shut his mouth and go crawl back under his rock, lest he continue to give more examples of how Camco violates FTC law -- as if we didn't already have $300,000 reasons to believe they do.

OK folks, lets take advice of someone who doesnt even have a job in the collections industry. FYI Debra I took home 9,000.00 in comission. I collected over 100k gross dollars, when is the last time you did that?...oooppss you dont have a job!! I cannot believe someone in the industry would say no dont pay your bill just because its over 7 years old and they cannot sue you. Debra you obviously have no morals what so ever. If you did collect or actually get a job in the industry Debra and it was on out of stat paper, I bet you wouldnt give that advice to the debtors that you are talking to over the phone. Yeah folks, Picture Debra ( I just got a job) calling someone on out of stat paper, OH SIR DONT PAY THE BILL BECAUSE ITS SEVEN YEARS OLD YOU DO NOT LEGALLY OWE IT..Debra what a joke you are and a very bad liar. If you did work on out of stat paper Debra, since you are SUCH THE COLLECTIONS EXPERT...how do you collect on it? Would you tell the consumers they dont have to pay? If you say No you wouldnt than according to your definition of an FDCPA violation you just violated the law. If you say Yes you would than you are the worlds biggest liar. AND FINALLY, I WILL GIVE MY WORK NUMBER FOR THOSE IDIOTS WHO WOULD LOVE TO CALL ME TO DISCUSS THE FDCPA, I HAVE BEEN IN THE BUSINESS FOR 10 YEARS, I DO NOT WORK FOR CAMCO NOR HAVE I EVER WORKED THERE. EMAIL ME AT [email protected] AND I WILL RESPOND WITH MY WORK NUMBER. Now, back to reality, again I havent threatened anyone or anything Debra, I am trying to get people to do what is morally correct, pay their bills and stop stalling. If you have been in the industry you should understand ever stall tactic in the book, and statue of limitations is a stall tactic. People, wake up!! you can still get collection calls on out of stat debts, yes they can still legally call you and inquire on your credit bureau, its not a violation of the law, they violate the law if they threaten litigaton against you, which specifically means if they tell you they are going to sue you. Not preface it! So a majority of the complaints on here oh they contacted me about a 10 year old bill...good for them! about time someone found you! pay it!

I don't have to prove anything to sCAMCO or any other collection agency. They have to prove I owe the debt. That's what it says in the FDCPA. Maybe you need to educate yourself a bit. You still haven't addressed the basic question: why should anyone give money to some joker who calls and makes an unfounded claim like sCAMCO? Just because you say the money is owed does NOT make it so. As save your asinine comments re: church, Alton, morals, etc. for your break time at whatever boiler room you work at. As for not working at sCAMCO, I think either you're lying or you work for an outfit that's just as bad. In fact, crawl back to your trailer, tenement or whatever and stay there.

I applaud you on your post. We have been arguing here with Junior collector man about debts. "Pay them cause it's the moral thing to do," he says. Side tracking the whole point of which were trying to make. Which is, WE HAVE LAWS TO PROTECT THE CONSUMER AND COLLECTION AGENCIES CANNOT CROSS THOSE LAWS. It frustrates me when he doesn't listen. Like I said before, and which you pointed out, if these collection agencies treated us like human beings then we will be much more willing to settle with them! Do you agree with my statement: I will happily and without delay pay off my debt if the collection agency agrees to remove the listing permanently from my credit report. Because what Junior doesn't understand, and it does hit a nerve with him, is the point value of the statement. Why pay the bill if it will still stay on your credit report? It is clearly logical. Thanks

Jason, Jason, Jason. You need to put your head between your knees, junior. You're gonna bust a gut. Mr. Collector Boy, kindly save your bullying tactics for the people you call every day. If SCAMCO is attempting to collect on out of statute debts, then they are banking on the fact that their debtors know even less than they do. The general public is woefully ignorant of FCRA and FDCPA. CBR's are notoriously inaccurate. All of these factors are responsible for the fact the collections is a growth industry. Youngsters like Junior, here, tend to do well in collections. They are mere children turned loose on a poorly educated public. They get their rocks off by calling old ladies and browbeating them. It's a good day when they can make someone cry. Junior uses all caps because he spends all day yelling. Junior works for an outfit which, like most of them, is all show and no substance. The collector can't guarantee anything more than that he will continue to call you. If he threatens litigation, chances are he is in violation of the FDCPA. With proper documentation, both SCAMCO and Junior can be successfully prosecuted. Most agencies won't litigate, the payoff isn't worth the amount of time and money they will be spending. Junior has no leverage against you, and has to try to create some any way he knows how, mostly with all the stale crap he spews in his posts. Say, Junior, that 9k you made last month on commission based pay, was that 9k over and above your hit, or was that 9k all you managed on that bad paper? What's your commission rate, bunky? Ten percent? What've you got to show for running your fat mouth all month? A hundred bucks? Here's a suggestion, take your show on the road. To everyone else: out of statute means just that. You need no longer pay. It should be dropping off your credit report. If it does not, it is probably because it is moving from agency to agency, who then report it as a fresh debt. Watch your CBR, review it every year. The agencies will not remove the entry. They might tell you they can't. I've never pursued that with my former employers, but since most of them don't report your payment to the CBR there might not be any point in arguing with them. In the end, it will be faster if you take it up with the credit reporting agencies yourself. The creditors have 10 days to respond to the inquiry. After that they are mandated to remove the listing themselves. But writing to one will not affect the other two, you must contact all three of them yourself, and follow through. A little knowledge is a dangerous thing for the unscrupulous agencies. As for myself, I will be returning to collections soon - I need a job, after all. I will be working for an outfit, which will remain nameless, that will, indeed, litigate when it threatens to. In other words, when I mention consequences, I will be in a position to see that there are consequences. On the other hand, those folks that are willing to work on clearing up in statute debts will have my full co-operation. I don't work like Junior. I know people need to eat and pay for their housing. I know that most people are quite aware of their debts, and will, if treated like human beings, settle them. Sorry this is so long. Collectors like Junior make the rest of us look bad.

LOL..LMFAO..LMFAO. Michelle, What world do you live in? Yes they can legally pursue you even if they purchase the debt. All the agency needs is proof of sale and proof that you owe the money. Scott- Fyi, I do not work for Camco, shal I give you my office number to prove this to you. I have never worked for Camco. Let me know on that one, I will give you one clue as to where I work, hint hint..its the only collection agency in Westchester IL and we deal with student loans. Sylvia- If you paid a bill off, you should have record and not be worried about them calling you, all you have to do is provide proof, however, if you cannot or just wont provide proof, expect to get collection calls, same goes for bankruptcy issues. And as far as validation of debts, do you keep your credit card statements from 2 years ago?..probably not, so if someone says for example your bill is from Discover in 1986 and you know you had a bill from them but just want to make sure its validated, that is a simple stall tactic, you know you owe, fess up and pay it, stop stalling. And as far as the weasel wording, the word if does not mean going to, it does not mean we are going to sue you, the word could does not mean we are going to, if you know anything about the civil court proceedings a majority of the judgements have the person who looses the case paying attorneys fees and court costs so prefacing that action may happen is not a violation of the FDCPA, so learn what you are talking about before you comment. Explain to me Sylvia as a rational and normal human being how you cannot remember your finances in life? Its like saying you dont remember where you lived 5 years ago, or 10 years ago, its not possible that you do not know you owe a bill. The dispute if any may be in the balance of the account in which you can negotiate a settlement, hence you may actually save yourself money. If you had any morals and you know you owe a creditor some bill but not sure on the amount then you should pay a settlement. Wouldnt that be easier and morally correct? Instead a consumer like yourself Sylvia decides to say prove I owe the exact balance, and since you dont keep records, you expect a large company to keep track or babysit your file. why should they do this? its your bill. Anyhow, Sylvia, goto church on sundays, I realize Alton is where the good ole boys go drinking at the VFW Hall on Sundays, but I have a few friends from there that have integrity and pay their bills, why cant you be one of them?

Here's a fact from a friend of mine that worked for a collection agency ONCE YOUR ACCOUNT IS SOLD (TO ANY AGENCY) THEY can not legally collect the debit. LOOK IT UP if you don't beleave me.

Everyone knows what a lowlife scumbag you are and what a criminal company you work for. You are doing nothing but make yourself look like an idiot here. The FTC does not lie. The complaints do not lie. The lawsuits against your company and its collectors do not lie. You do.

You repeatedly fail to grasp the fundamental concept that sCAMCO is unable to validate the debt. sCAMCO cannot prove that the debt ever existed or is owed at all. Many of the people who post here never owed the debt in the first place, or they paid it, or it was discharged in bankruptcy. And when you tell someone that they will be liable for court costs in the case of a judgment against them, that's a threat of legal action. Where else would court costs come from? Where else would you get a judgment? It's a weasel-worded threat. Answer this, Jason - why should anyone send money to someone just because they call and say,"you owe me money," when there's not a lick of proof that a debt is owed to anyone?

Well I have 2 things to say about this post. First, I have stated before, and I will state again, I will only pay this Sprint bill if it is taken off my credit. The reason is simply this: I am trying to improve my credit. I am fluctuating between sub-prime and prime rate right now. I know this sprint entry is causing me to fluctuate. I will only pay this Sprint bill IF it is taken off my credit because that is my only motivation for it. I can't be motivated to pay money to a collection agency if it won't be taken off my credit. If it wont, then why pay it? It will still be on my credit. Only difference is, I save 175 dollars. If it stays on my credit, it's no skin off my nose cause I will use that 175 dollars (tucked away in an envelope) and buy myself something nice for christmas. If Allied Interstate does agree to take it off my credit upon prompt payment, then I will happily mail that money off to Allied Interstate. So yea, I might be a scumbag because i'm only paying if it is taken off my credit, but I do have a right to negotiate. If a collection agency really wants to work with the consumer and get money from the consumer, the collection agency should be willing to work with the consumer. It's no skin off the agencys nose to keep a negative listing on my credit report. So, why should they care about it. Unless the collection agencys policy is do no manual bullseyes. Maybe thats because they, like other collection agencies are punishing consumers for not paying their bills. Keeping a negative listing on the credit report is definently punishment. That does hurt. So that's motivation for us to pay our bills. That's the purpose the collections industry serves. BUT, it is only motivation if the negative listing will be removed. That's final. There's no reason to keep it on my or anyone elses credit report. Now second, I will agree with you about your point. They don't say they will take consumers to court, but they say IF. Consumers mishear that though, and before you know it, there's a miscommunication going on. So I can understand how frustrating it is to you agents. You feel like your getting the shaft when your just trying to do your job. And there are illegal tactics used by some collection agencies, but not all though. But here's an idea. Everyone has a choice on where they work. Who chooses to work at a collection agency? Everyone should find a better paying job, that the collection agencies have no employees. Like I said, if your worried about food on the table, find a better job. Theres many better jobs out there. We the consumers arent worried about the collection employees, because you make a choice to work there. We aren't too kind hearted to those who affect our credit. We won't work with someone who has ultimate control over our credit. Unless, the collection employees have concern for our credit, we won't have concern for them putting food on the table for their families. It's a good 2 sided coin.

First off, Tom, you are a disgrace to our race. A complete and utter disgrace. How can you sit there and state that you would only pay a bill and if it would be taken off your credit. I bet if the situation was reversed and you worked for CAMCO or any other agency, you would violate FDCPA also. Heck you have already violated contratual agreeements with your creditors, so whose to say you wouldnt violate the FDCPA if you were a bill collector. Anyone who claims the would not violate the FDCPA IS DEAD WRONG AND THE WORLDS BIGGEST LIAR!!. There are so many technicalities that could fall under what you may call a "gray area". Example, lets say I tell someone ok Mr. Smith..if a judgement is rendered against you, you could be liable for the court costs and attorneys fees. Now you (the wonderful consumers you are) would state I am threating to take you to court, however no where in that sentence did I state I would, the phrase IF AND COULD were used, but because you people are all liars, you claim the agency has harassed you. If you had a family to feed and were in the industry, you would be subject to these type of criticizms, and complaints. So Tom, and others, how dare you criticize the way someone talks to you over the phone or if they are calling about one of your bills!!..HOW DARE YOU!.Most of you would probably do the same thing or even worse, and those of you who say no way not me...LIARS!!!If you knew the only way you could get some scumbag (like yourself Tom) to pay their bill was to threaten them, you would do it Tom. See if they dont pay, you dont put food on the table Tom, its that simple. SO how dare you and everyone else has the audacity to complain about these agencies, who do you people think you are? have you ever done their jobs? I dont condone violations of the FDCPA, but looking at all your posts, and how none of you pay your bills, maybe thats what it takes...a criminal to get a criminal to pay their bills.

First off, Tom, you are a disgrace to our race. A complete and utter disgrace. How can you sit there and state that you would only pay a bill and if it would be taken off your credit. I bet if the situation was reversed and you worked for CAMCO or any other agency, you would violate FDCPA also. Heck you have already violated contratual agreeements with your creditors, so whose to say you wouldnt violate the FDCPA if you were a bill collector. Anyone who claims the would not violate the FDCPA IS DEAD WRONG AND THE WORLDS BIGGEST LIAR!!. There are so many technicalities that could fall under what you may call a "gray area". Example, lets say I tell someone ok Mr. Smith..if a judgement is rendered against you, you could be liable for the court costs and attorneys fees. Now you (the wonderful consumers you are) would state I am threating to take you to court, however no where in that sentence did I state I would, the phrase IF AND COULD were used, but because you people are all liars, you claim the agency has harassed you. If you had a family to feed and were in the industry, you would be subject to these type of criticizms, and complaints. So Tom, and others, how dare you criticize the way someone talks to you over the phone or if they are calling about one of your bills!!..HOW DARE YOU!.Most of you would probably do the same thing or even worse, and those of you who say no way not me...LIARS!!!If you knew the only way you could get some scumbag (like yourself Tom) to pay their bill was to threaten them, you would do it Tom. See if they dont pay, you dont put food on the table Tom, its that simple. SO how dare you and everyone else has the audacity to complain about these agencies, who do you people think you are? have you ever done their jobs? I dont condone violations of the FDCPA, but looking at all your posts, and how none of you pay your bills, maybe thats what it takes...a criminal to get a criminal to pay their bills.

First off, Tom, you are a disgrace to our race. A complete and utter disgrace. How can you sit there and state that you would only pay a bill and if it would be taken off your credit. I bet if the situation was reversed and you worked for CAMCO or any other agency, you would violate FDCPA also. Heck you have already violated contratual agreeements with your creditors, so whose to say you wouldnt violate the FDCPA if you were a bill collector. Anyone who claims the would not violate the FDCPA IS DEAD WRONG AND THE WORLDS BIGGEST LIAR!!. There are so many technicalities that could fall under what you may call a "gray area". Example, lets say I tell someone ok Mr. Smith..if a judgement is rendered against you, you could be liable for the court costs and attorneys fees. Now you (the wonderful consumers you are) would state I am threating to take you to court, however no where in that sentence did I state I would, the phrase IF AND COULD were used, but because you people are all liars, you claim the agency has harassed you. If you had a family to feed and were in the industry, you would be subject to these type of criticizms, and complaints. So Tom, and others, how dare you criticize the way someone talks to you over the phone or if they are calling about one of your bills!!..HOW DARE YOU!.Most of you would probably do the same thing or even worse, and those of you who say no way not me...LIARS!!!If you knew the only way you could get some scumbag (like yourself Tom) to pay their bill was to threaten them, you would do it Tom. See if they dont pay, you dont put food on the table Tom, its that simple. SO how dare you and everyone else has the audacity to complain about these agencies, who do you people think you are? have you ever done their jobs? I dont condone violations of the FDCPA, but looking at all your posts, and how none of you pay your bills, maybe thats what it takes...a criminal to get a criminal to pay their bills.

First off, Tom, you are a disgrace to our race. A complete and utter disgrace. How can you sit there and state that you would only pay a bill and if it would be taken off your credit. I bet if the situation was reversed and you worked for CAMCO or any other agency, you would violate FDCPA also. Heck you have already violated contratual agreeements with your creditors, so whose to say you wouldnt violate the FDCPA if you were a bill collector. Anyone who claims the would not violate the FDCPA IS DEAD WRONG AND THE WORLDS BIGGEST LIAR!!. There are so many technicalities that could fall under what you may call a "gray area". Example, lets say I tell someone ok Mr. Smith..if a judgement is rendered against you, you could be liable for the court costs and attorneys fees. Now you (the wonderful consumers you are) would state I am threating to take you to court, however no where in that sentence did I state I would, the phrase IF AND COULD were used, but because you people are all liars, you claim the agency has harassed you. If you had a family to feed and were in the industry, you would be subject to these type of criticizms, and complaints. So Tom, and others, how dare you criticize the way someone talks to you over the phone or if they are calling about one of your bills!!..HOW DARE YOU!.Most of you would probably do the same thing or even worse, and those of you who say no way not me...LIARS!!!If you knew the only way you could get some scumbag (like yourself Tom) to pay their bill was to threaten them, you would do it Tom. See if they dont pay, you dont put food on the table Tom, its that simple. SO how dare you and everyone else has the audacity to complain about these agencies, who do you people think you are? have you ever done their jobs? I dont condone violations of the FDCPA, but looking at all your posts, and how none of you pay your bills, maybe thats what it takes...a criminal to get a criminal to pay their bills.

Within the last several weeks, I began receiving cryptic messages regarding an important financial matter from Capital Acquisitions. I have left messages in return, only to receive more cryptic messages. Thanks to to this website and referalls to the FTC Complaint, and my state AG, I have a better understanding of what is happening and my rights. I won't deny making financial mistakes in my youth, or the possibility that I COULD have a time-barred debt. But if everything I read here is correct, it would not help me to re-pay CAMCO, since they are a third party who does not report back to any credit reporting agency OR the original creditor. My money would go to CAMCO and commissions for the collector calling me. Many of the posted articles repeatedly referred to moral obligations regarding debts. Good point, but I have not been able to get enough information from CAMCO to honestly confirm that I EVER had the debt. So why should I incorrectly pay a debt, that may not be mine. Also, didn't the orginal creditor receive a tax write off, plus additional payment from CAMCO. If I ever get my alleged time-barred debt validated or confirmed, I will repay my financial and moral obligation. But not to CAMCO!!! I will donate that money to charity instead of CAMCO (I won't itemize it on my tax return). The hard economic times have drasticly reduced public and corporate donations across this nation. So here's an idea, lets help within our local communities by donating to Churches, boys and girls clubs, red cross, food banks etc... With the upcoming holidays, you can buy toys or food to donate,and your local red cross is still feeling the impact from the Florida hurricanes. Your local school district ia bound to have fund raisers for new uniforms, instruments etc... So lets "repay" a debt to society, rather than repay a debt to a profiteer. Just my two cents worth.. but thanks for the advice.

Her is a link to the FTC site where CAMCO was fined 300k: http://www.ftc.gov/opa/2004/03/camco.htm Read it and weep JASON. If you say CAMCO is still an ethical, and moral company, then you are infact denying this ruling and are in CONTEMPT!!! Is that threatening enough for you. Don't listen to Jason. He is just full of BS. Ask CAMCO to validate the debt. If they cannot (as it is not a valid debt), then ask them to go F*** themselves cuz there is nothing they can do to collect this debt. If they put it on your credit report, report them to your State Attorney General, the Federal Trade Commission and the Better Business Bureau. That ought to put a plug in Jason and CAMCO. I think all effected by this ripoff, fraud company should unite and put CAMCO where it belongs...in garbage.

Camco is a debt buyer. Discover has nothing to do with this. In fact, it would be illegal for discover to even accept the money as they no longer own the debt. Camco buys debts that have been turned over from CA to CA. Paying camco or any debt buyer will NEVER help you get credit with the original creditor.

Jason. Hey Jason... You obviously haven't read my other posts thouroghly. In it, I stated that I live in a 140,000+ house. If I didn't pay my bills then I wouldn't be living in that house, as well as having electricity or the internet. Since my first post, a billing cycle for Time Warner Cable Internet has passed. If I didn't pay that bill, I wouldn't be able to post on here. Also, if I worked at McDonalds or Burger King, I wouldn't be able to afford the mortgage or car loans I have. I also have a 2003 Jeep Wrangler Sahara. I pay the bill on that. I stated that my credit was about 680-690. If I didn't pay my bills, my credit would be much lower. I also stated that I was contacting Allied Interstate for payment arrangements. I legally negotiated with them. They can report to my credit, unlike what you stated, Mr Know it all. If they don't agree to take it off my credit report after my prompt payment, then they won't see one red cent. If that's so absurd to you, then i'm soooo sorry. But if my score is fluctuating between prime and sub-prime, I'll be damned if i'm going to let that Sprint bill stay on my credit report. Jason, Hey jason, JAASSSOOONNN, what's the point of paying the bill if it won't go off your credit report? I save a mere 175 bucks, but at least I didn't give it to the collection Agency with my credit still damaged. Tell me what the point of paying them is? And don't tell me "well you need to pay your bills cause it's the moral thing to do." That's moronic. You think some d**n 3rd party creditor is gonna preach me and try to get me to change my ways? My way is this: If I pay this bill, then you have to take it off my credit report. If you don't agree to that, then you won't see one red penny. It never ceases to amaze me how desperate some people get to collect a debt. So if you read my posts, you will see that I do pay my bills, and I am only trying to protect my credit. Also, what you folks at Camco do is your own business. But I will be laughing my a*s off when you get slapped with another 300,000 fine for illegaly threatening people. Where's your morals in breaking the law? Threatening people for a payment which wont be reported to a CRA. Plus if the payment is past the STATUE OF LIMITATIONS, then legally it isn't valid in court. Meaning you can't do jack. All the money you get from payments goes into Camco's pockets. Your company purchases bundles of accounts for pennies on the dollar and collects the full amount. You prey on guilt and intimidation. That's what they teach you all when you first start working. Plus you moron, I don't have a discover card, nor do owe money to a credit card company. I do however; have a american express card with a 10,000 limit, 6.9% fixed rate, A chase platinum with a 25,000 dollar limit and a 2.9% intro interest rate. Both cards have reward points, and money back on larger purchases, as well as a very generous grace period. So, Jason, to your dismay i'm not a credit challanged person with horrendous credit. You don't like what I have to say about collection agencies, so your taking it personally. Get a grip MAN! Whether or not I agree to pay this Sprint debt, or whether I want it permanently deleted from my Credit report is none of your concern. If I am a scam artist, then I am d**n proud of it! I like groping Collection agencies by the family jewels, cause they can't do crap. So instead of me being fearful of them, they are fearful of me, cause all they want is the money. But they won't get that if they don't agree to take it off my credit report. All I have to do Jason, is say the B WORD. LMAO! Even hinting at doing the Bankruptcy dance will have them quirking them at the knees and then they will do whatever I ask (a simple request to delete the entry from my credit report) for full payment. You hate it when we the consumers get feisty like this, and don't submit to the "false and masked power" you try to impose over us. I wish someone would burn down some collection agency offices over night to send a message to you all, to stop harassing consumers illegally. Your a moronic 3rd party collector. You have no jurisdiction over anyone, nor do you have any power. Your nothing! So while I laugh my way to the freely accessible credit that I EARNED, I wish you luck in your venture of making huge profits on chumpchange accounts. Idiot.

Jason, FYI, I had two credit cards from Discover. On one card they claimed I owned money which they never proved (and refused to prove by the way). I told them to close both accounts since I no longer wished to do business with Discover. After telling me that I owed them money, they have not only not closed the other card, they keep raising my available credit and are even nice enough to send me checks to use. All of these items find their way into the shredder next to my desk. So, while they are not offering me a "new" card, they don't seem to have a problem wanting me to use the "old" card.

sCAMCO is required by Federal law to validate the debt, as has been pointed out here many, many times. It has also been pointed out here, many times, that sCAMCO makes no attempt to check if the debt is valid, discharged in bankrupcy, paid in full, whether they even have the right person. They just start verbally abusing whoever answers the phone, which is in violation of Federal law. It is also a well established fact that sCAMCO keeps whatever it collects. That does NOT benefit anyone else, not the person you harass, not the fictitious original debtor, only sCAMCO. Since you seem to feel you are some kind of moral judge here, even though you have absolutely no idea what you're talking about, try this on for size - try complying with the duly and properly enacted laws of this country, specifically the Fair Debt Collection Practices Act (FDCPA). Be a man, Jason, and obey the law. Stop being a low-life deadbeat and act like a decent law-abiding citizen. Crawl out of your trailer or tenement or whatever rat hole you live in and be a man by not spreading more lies on behalf of sCAMCO, by not insulting people because you're too stupid not to and by getting an education so you can get a decent job instead of working for sCAMCO. You are wasting your time defending that which is indefensible.

One thing Jason said is true. If you pay Discover off for an old debt you would have a better chance of receiveing additional credit. So so not pay anything to the collection agency because once they buy the debt the person they bought it from will never know the result. If you pay the original debtor directly, then they will have a record of the payment and Camco will not collect their money and they will be out the original amount they paid for the debt. Then, if they continue to harass you request a statement showing the payoff from the company that you paid and send a copy of that to Camco to get them off your back and they will not make as much money.

Once again, remember this when dealing with "Jason" or any other Camco collector: Your ethics are none of their concern. Your present credit rating is none of their concern. Your housing situation is none of their concern. How you raise your children is none of their concern. You don't owe them any money, and you don't owe them any excuses or any explanation. When they call you, say "I'm not interested in discussing this with you" and hang up the phone. Then send your Cease & Desist letter, via certified mail return receipt requested, cc'ed to the Illinois Attorney General and to your state Attorney General. Once you have done that, they will not bother you again. They are banking on your fear and ignorance of your rights. "Jason" is screaming in ALL CAPS because this board is costing him and his fellow criminals money. There's no reason to interact with him, any more than you interact with any other street thug or con artist. Just hang up the phone and send the cease & desist letter. That's the only explanation or excuse that "Jason" and his kind deserve. Of course he isn't going to respond to this: he knows that I'm right, and that my solution will keep your hard-earned money from lining his pockets.

You are so full of it. Discover could care less if you paid off the bill with a debt buyer. In fact, they would never know if you did or not so enough of the useless drivel. Camco is a criminal company made up of scum who try and harrass and degrade people out of their money. Most of them have no morals at all and certainly you do not. How about you crawl back into your hole and go away and let your betters take down your crap company. Hey I have a great idea. Why don't you send me your credit report. I would bet anything it is full of collections and bad credit(especially coming out of that pit you call a city Rockford the murder capital of illinois).

TOM, You are so wrong!!! It does benefit that person. Lets say you owe Discover and the debt is 10 years old. Do you think Discover is going to give you a new credit card if you still have a balance? If you pay the bill then it gets reported and your chances of getting a new Discover card have increased. Yes Tom... HEY TOM... HERE IS A PIECE OF ADVICE... HAVE SOME MORALS.. HAVE SOME VALUES... THERE IS A REASON WHY YOU LIVE IN TEXAS... CUZ I DONT THINK YOU PAY ANY OF YOUR BILLS... THE REASON IS.. YOU ARE PLAYING THE SYSTEM... YOU KNOW PEOPLE CANNOT GARNISH YOUR PAYCHECK IN TEXAS SO WHY PAY THEM.... USE THEM AND GET WHAT YOU WANT AND NEED AND THEN GUESS WHAT TOM... I BET YOU JUST SCREW THEM OUT OF THE MONEY CUZ THEY CANNOT TOUCH YOUR INCOME... WELL TOM I SURE HOPE YOU DONT RAISE YOUR KIDS TO BE LIKE THAT... MAYBE TOM AND THIS GOES FOR THE REST OF YOU... INSTEAD OF COMPLAINING, INSTEAD OF WHINNING ABOUT YOUR BILLS AND HOW THEY OR ANY COMPANY HAS WRONGED YOU... HOW ABOUT WHEN YOU PUT YOUR NAME DOWN AND SIGNED OR AGREED TO SERVICES OR WHATEVER... HOW ABOUT PAYING THEM AND LIVING UP TO YOUR END OF THE AGREEMENT.... PAY YOUR BILLS AND YOU WONT HAVE THESE PROBLEMS... THATS ALL I HAVE TO SAY.. STOP LYING AND CHEATING AND SCAMMING... JUST PAY YOUR BILLS, IF YOU DIDNT LIE OR SCAM IN THE FIRST PLACE YOU WOULDNT HAVE A BILL OUTSTANDING. LETS SEE A REBUTTAL TO THAT TOM... OH AND FYI.. IF YOU SAY YOU FELL ON HARD CIRCUMSTANCES... BUULLLLL CRRAAAPPP... I HAVE HAD PEOPLE ON SSI OR DISABILITY ENDING UP PAYING THOUSANDS OF DOLLARS BACK BY MAKING PAYMENTS... SO THAT DOG WILL NOT HUNT... ALSO TOM.. GET A JOB A MCDONALDS OR BURGER KING .. ATLEAST SHOW SOME PRIDE!! DO WHAT U HAVE TO DO ... PAY YOUR BILLS!

Send another copy of the cease and desist letter via certified mail, return receipt requested, to: Camco 303 North Main Street Rockford, IL 61101 Send a cc (you don't need to send these certified) to: Regional Director, Northwest Division Federal Trade Commission 915 Second Avenue, Suite 2986 Seattle, WA 98174 re: U.S. DC, Northern District of Illinois Western Division Civil Action No. 04 C 50147 FTC File No. 022 3222 Lisa Madigan Illinois Attorney General Consumer Fraud Bureau 500 South Second Street Springfield IL 62706 Attorney General of Texas Austin Regional Consumer Protection Office 300 W. 15th Street, 9th Floor PO Box 12548 Austin, TX 78711-2548 You can also send Camco a fax of your letter at 815-968-1577, and fax a copy of your letter to the Consumer Protection Office to 512-473-8301. (You may also want to call them at 512-463-2185 to find out if they want any additional information). Be sure to save the Fax receipts, and the return receipt, as evidence that Camco has in fact received your letter. If you already sent the first letter certified mail, be sure to send a copy of that letter and the receipt to all parties listed above, along with a complaint that Camco is in flagrant violation of the Fair Debt Collection Practices Act and Illinois and Texas state laws.

I did pay off the debt to the credit card that CAMCO is now trying to collect on 9 yrs after i paid it off. I made a settlement with the credit card company that i would pay the principle amount due and agreed to have my account closed back in 1995. Now suddenly CAMCO has come out the woodwork to harrass me over this debt, that i DID pay off. They don't have any of their information correct in regards to my former credit card debt but the name of the company. They have my SS#, address and phone number, keep getting my last name wrong. When i asked for imformation about this debt they say i owe they could not provide me any information and they keep changing the amounts they say i owe. It has gone from anywhere to 1298.56 to 5689.76. They tried to tell me that they had filed a lawsuit against me and had put a warrent out for my arrest unless i paid them in 30 days. When i asked which county they filed this in they replied in X county where you live but they had the wrong county. I have had some woman call me and cuss and yell over the phone at me about being a deadbeat for refuses to own up and pay my bill. I am seriously thinking about changing my phone number for i am growing weary of the freqeunt calls to harass me. At first they were polite but here recently they have become beligerant, ugly , and very rude . I have sent a C&D letter but they do not aknowledge it.

I did fail to mention that as a 3rd party collection company, you can't report to credit bureaus. When someone makes a payment to camco on an old outdated debt, it benefits that person in no way. It only benefits Camco because of the small price (pennies on the dollar) price invested in these accounts. It is short of illegal if you as me. There is no legal foundation for these debts. The company receives no compensation what so ever for these debts. It is all in camcos pockets. Maybe that's why Jason the 3rd party employee works for that low rent excuse for a collection agency which has absolutely no power what so ever. If Camco called me up about a debt, I could tell them I will not pay, and tell them not to contact me. They could do nothing as far as court goes. Like I said, Camco preys on guilt and intimidation. They are pathetic suits who are inflated with air. They might look big and intimidating to someone without a pin, but for those of us who can 'burst their bubble' once we pop them, they deflate into a small and pathetic suit whom can do nothing.

Steve, I have never done this on a public forum but if you are going to attempt to represent your company, or even yourself as a concerned citizen, learn how to use a spell check. It is buys, not byes. BUYS is what you say Camco does with old debts, BYE is what we tell you and any other Camco employee that calls us. It is whole, not holes. HOLE is what the majority of you people must have spent time in to be so naive about the justification of your collection tactics. HOLE is what you dig in the ground. WHOLE is the entire part od somthing, as in, why don't you people know and speak the WHOLE truth? It would be a pleasure after dealing with you and people like you to have our accounts sent to "collections". If that is done by you, we will just have to mail out another C & D letter, only this time it will be sent along with a copy of a law suit to Camco. A little information for you "Steve". After telling Camco my debt was discharged in a legal process in the state of California in 1990/1991, I was first asked to send copies of that discharge order and Camco would comsider the debt recorded in error. The following month I was asked about the discharge order again and this time I was told if/when I sent that dischrge paperwork Camco would be able to "make you an offer of say, $1,000.00 to clear this up." The next time I was asked for that paperwork I was told if it was not sent in I would be turned over to collections. And the following month when I was asked about the paperwork I told the "agent" to just go ahead and turn me over to collections. This "agent" then said "This is collections" and proceded to insult me. ll this time, each and every time I told a Camco "agent" I had this debt discharged in a court of law and had no intention of sending one dime to them, so please go ahead and take the next step. I have been telling them that for about a year now, so go ahead send it elsewhere. I have shoes older than you and your camco associates. I have lived many years and have had all types of financial dealings, some better than others. If you and your kind would give some thought to the notion that not ALL debts are incurred by "deadbeats", not all debts are incurred because good folks out there want a new 5.1 digital sound system and a flashy watch. If you and your kind spoke to people properly and were as concerned about making things right as you are about collecting "pennies on the dollar" perhapes things would go a little smoother for you? So, send that on to another agency, it will be a pleasure to be rid of you. Please folks, do NOT engage these people, do not believe you can be hurt. Do not believe these will stay on your credit reports until "death do you part" Send that C & D letter and DO NOT ANSWER THE PHONE.

Your still missing my point Jason. Can you not read?! In my last report, I stated that I was CONTACTING Allied Interstate in an effort to pay off this obligation. Obviously your so preoccupied in the lala land of collections that you must've failed to catch that piece of info. In a previous post I also stated that YES, I did sign the contract so I am liable. I admitted responsibility for the bill. Even though, I do it under protest. Because Sprint makes billions a year in profit, I don't know how a early termination fee is going to hurt them if I don't pay. You tell me, Mister Know it All Jason, why these companies charge these early termination fees. We're being penalized because you no longer want to be with a wireless carrier. So you obviously don't catch our points here. I happen to live in a decent 141,000 dollar home. All my payments are in good standing and overall my credit is at 679. I qualify for prime rate credit. Although, because of this sprint thing, it has caused my score to fluctuate between sub prime and prime. That is why I am a scam artist (i'll get to that in a minute). You also don't know anything about collections laws, so don't contradict yourself buddy boy. Collection Agencies can and DO report to credit bureaus about your debts. They are allowed to do it. If it was illegal, everyone can get up and say we are filing lawsuits. Paper would fly, gavels would pound, champaigne would fall from the heavens, we all have good credit. The reason I am (as you so delicately put it) a scam artist for only NEGOTIATING with a collection agency (which is ALSO NOT ILLEGAL), is so both parties can be satisfied. This is exactly what I mean, you collection buffs don't want us to know this info. You want for us to be intimidated. You want for us to believe that a SOL doesn't even exist, or the 7 year reporting period doesn't exist. You hope people will feel guilt or intimidation after 10 or 14 years, and that's the ONLY way you get your money. All while buying a chunk of old accounts for pennies on the dollar. The original creditor isn't making any money. YOU ARE! You get all the profit from the payment minus the pennies on the dollar cost. That's why your so into this. Now, it is legal to negotiate but you don't want consumers to know that. I am not a scam artist for doing something legal. I am simply saying, if I pay you the debt, you will take it off the credit report permanently (none of this "paid collection or paid charge off" CRAP). Why should I pay it if i'm still going to have bad credit? If I pay it with the understanding that it will be off my credit, that's incentive to pay it! Otherwise, I pay it and it's still on my credit. Or I don't pay it and it's still on my credit. The difference is, I save 175 dollars. As I said before, WE WOULD RATHER PAY OUR HEATING AND WATER BILLS OVER SOME 10 YEAR OLD DEBT JASON. There's no pay it cause you owe it, none what so ever. If it's past SOL, bite the bullet, stop the crying and get over it. Move on to the next account. Did you know for every quarter of a percent raise in a mortgage, it can cost thousands more over the life of the loan? No, I didn't expect you to, you only read from a script as a 7 dollar an hour employee and if you get enough collections, you get a cheap 'made in china' plaque commemorating your achievement. As Keith said, get out of the cubicle and stretch your legs and get some fresh air, you are so hostile. I will say this once more, I will not pay a debt off unless they take it off my credit report. It's counter productive to pay it and still have bad credit. When I could keep the money and keep my dignity. Like I said, I am exercising my freedom of speech rights, and you attacking them will be ignored. I could care less what you say. But, read the posts before you respond. Yours don't make any sense. Plus, did you make an oxymoron? You said that collection agencies are prohibited from reporting to the CRA's. But, you then stated that if I negotiate with the collection agencies to remove the debt from my credit report i'm a scam artist. So your saying Jason, it's illegal for them to report to a CRA, but don't negotiate with the collection agency for a manual bulls-eye, because thats wrong and immoral! Hahaha, some of us would like to save thousands of dollars. We will be dammed if were going to let some collection agency dictate our financial future. We will dictate when that collection agency gets their money. If they remove the listing, it's no skin off their nose. They could care less, all they want is the money. Unless of course, they have a personal vandetta against consumers who 'don't pay the bills.' All I have to say this, as I did to a creditor who called me about a 10 year old, "F-U Go pick on someone else who hasn't gone past the SOL" and I mailed em a CD letter. Oh and one other thing buddy boy, the Legislature is enacting a law to make skip tracing except for law enforcement purposes illegal.

... but, of course, forgets a few important points. Your housing situation is none of his concern. Your moral character is none of his concern. How much money you owe to other creditors, and the arrangements you have made to pay them off, is none of his concern. If you receive a call from Camco, don't get into a debate about your responsibilities and your ethics; don't try to justify yourself to "Jason" or his ilk. Hang up on them, and send them a Cease & Desist letter, cc'ed to the Illinois Attorney General and to your state Attorney General. Once you have done this, Camco cannot and will not contact you again. You don't owe them any money, and you don't owe them any explanation. Treat them like the criminals they are: shut them out of your lives the way you would shut out a common thief. If someone tried to steal your stereo, you wouldn't get into a long discussion about how s/he really deserved the stereo more than you did, and how you don't really appreciate the stereo all that much anyway. Why argue with the criminals at Camco. Your life is none of their concern.

heres the deal camco byes old debt for pennies onthe dollar they inturn give the consumers a chance to make good on the debt by offering a settlement. why wouldnt you take a settlement to get a debt off your back. the hole thing gosback to the debt will be here untill social security reports you as deceased. all i can say is man up and pay your bill send your c&d letter they will sell your account off and the collection agency will call you tommarrow. so have fun

I think it would be a good thing if Jason would take off the caps on his responses, they would be easier to read. Kevin: the C& D letter is the best idea, I just wanted to point out you need to go to the post office in order to mail it certified, return receipt, just leave your return address off the envelope however if they match up your account number they already have your address. A small point but since I just received my receipt back today I have been thinking about it, the post office cost for this was $4.42, well worth the cost. I also did not think you could send a RRR to a P.O. box, that is not a problem. One of the things that Jason or any other person on here that is yammering about why companies like CAMCO have the right to call and harras us should think about is this: Not all people who incure debts and find themselves unable to pay them are DEADBEATS. Have you given any thought to what may happen to someone who is hospitalized? The co-pay on medical bills can be enough to devastate someone. Terrible life circumstances happen to people, there are bankruptcy laws to help. To get a phone call from someone 8, 10, 12, or even 14 years after a debt has been charged off can/may plunge good people into panic. If somehow this old debts have mistakenly slipped through the "paper shuffle" and landed on a collectors desk, a little common sence is all that is needed to realize a debt from THE LAST CENTURY may been there is error. When one phone call is made and the collector is told it was written off 14 years ago, THAT should be the end of that and any future conversation. Please do not comtinue to add a he said/she said theme to this thread. As I said, today I received the RRR from my letter to Camco, we shall see if it is honored.

Kevin, thanks for the suggestion about using a po box, as they don't have my correct contact info. and you're correct about jason ranting about nothing.

Kevin, thanks for the suggestion about using a po box, as they don't have my correct contact info. and you're correct about jason ranting about nothing.

Kevin, thanks for the suggestion about using a po box, as they don't have my correct contact info. and you're correct about jason ranting about nothing.

TOM...WHAT TRAILOR DO U LIVE IN?... DID U JUST STATE U HAVE NO MORALS... THAN IF THATS THE CASE WHY SHOULD COLLECTION AGENCIES? .... WHY IF U HAVE NO MORALS ABOUT DEBT... DO U HAVE TO RUN AND COMPLAIN LIKE A BABY... BE A MAN.... SO WHAT IF THEY THREATEND U.... U HAVE NO MORALS SO WHY SHOULD U CARE..... TOM...I THINK YOU NEED TO PUT SOME SERIOUS CONSIDERATION INTO THAT COMMENT. STOP STALLING ABOUT WHO IS RESPONSIBLE FOR YOUR BILLS... U COMPLAIN ABOUT A SPRINT BILL... YET YOU BLAME THEM FOR HAVING YOU AGREE TO TERMS AND OR A CONTRACT... OH WAIT TOM...ITS THEIR FAULT... BUT HEY GUESS WHAT BUDDY... U AGREED TO THE TERMS!!!!... IF U DONT LIKE THEIR TERMS TOM WHY DID U AGREE TO THEM BY GETTING THEIR SERVICE AND NOW U WONT PAY THEM OR HAVENT PAID THEM.... TOM WHO IS THE SCAM ARTIST NOW???... AND SECONDLY TOM.. I MAKE 9K LAST MONTH ON PERFORMANCED BASED COLLECTIONS.... DO U MAKE THAT?.. HAVE U EVER WORKED AT AN AGENCY?.... SINCE YOU KNOW SO MUCH ABOUT THE COLLECTIONS PROCESS TOM ... U JUST ADVISED ME TO VIOLATE FDCPA WITH YOUR COMMENTS ABOUT THE CREDIT REPORTING.... HEY TOM WAKE UP... COLLECTION AGENCIES CANNOT REPORT TO YOUR CBR.. ITS A VIOLATION OF THE FDCPA...HEY TOM WHY WOULD I FAX OVER A LETTER TO SOMEONE TO GET THEM TO PAY THE BILL AND PROMISE TO HAVE IT REMOVED FROM THEIR CREDIT REPORT WHEN MY COMPANY DOESNT EVEN REPORT TO THE CREDIT BUREAU... HEY TOM..THATS A VIOLATION OF SECTION 802-808 OF THE FDCPA... SO U BASICALLY DO NOT KNOW WHAT THE HECK U ARE TALKING ABOUT... WHEN U KNOW THE LAWS.... COME AND SPEAK TO ME... OTHERWISE TOM...PAY YOUR BILLS... HAVE SOME MORALS.... OH AND TOM...HAVE YOU EVER HEARD OF THE FAIR DEBT REPORTING ACT... THERE IS A FEDERAL LAW THAT ALLOWS THINGS TO STAY ON YOUR CBR FOR 7 YEARS REGARDLESS OF WHETHER YOU PAY THEM OFF OR NOT... OH YEAH AND TOM... ITS UP TO THE ORIGINAL CREDITOR TO DELETE THE INFO... SO I GUESS YOU ARE JUST A SCAM ARTIST CUZ U ONLY PAY BILLS OR DEBTS IF THEY GET DELETED OFF YOUR CBR... AND THAT MEANS U DONT PAY MOST OF YOUR BILLS CUZ MOST ORGANIZATIONS WILL NOT OR DO NOT DELETE BILLS ON AN INDIVIDUAL BASIS...... IM VENTING MY ANGER BASED ON IGNORANCE TOM...I M VENTING BECAUSE THE FINGERS ARE POINTED AT AGENCIES BUT THERE ARE NO FINGERS POINTING AT THE CONSUMERS TOM... LIKE I SAID...NO ONE HAS HAD THE " BALLS" TO SAY YEAH... I INCURRED THE BILL I KNOW I OWE IT.. I KNOW ITS BEEN SOMETIME... I KNOW I HAVENT PAID IT AT ALL... BUT IM GONNA MAKE PAYMENTS AND TRY TO GET THIS PAID OFF...... STOP BLAMING THESE AGENCIES FOR YOUR MISFORTUNES...... TOM I CALL IT LIKE I SEE IT... YOU ON THE OTHER HAND BEAT AROUND THE BUSH AND WILL NOT ADMIT THAT MAYBE IM RIGHT ABOUT PAYING YOUR BILLS... JUST PAY THEM AND U WONT HAVE ANY PROBLEMS... ITS THAT SIMPLE

Tom, thanks for the tips about having your credit report debt info removed manually. i think we just assume that kind of stuff happens automatically if you pay off a debt. guess it doesn't. as for jason who keeps writing the same "pay up dead beat, camco is good" thing over & over & ... i think you need to get out of your collection cubicle once in awhile. stretch your legs, run around the block & take some deep breaths. then perhaps think about writing something a bit different if you're going to post here again. take a vacation to clear out your confused debt collection cobwebs.

I note that "Jason" lives in the Rockford, Illinois area -- home to Camco and, to the best of my knowledge, no other collection agency. He's playing the same kind of "good cop/bad cop" con game that his boss Jeff Garrington plays... "I'm sorry that our collector was abusive toward you. We will *snicker* discipline him as soon as possible. In the meantime, you need to pay this bill." I also note that he has ranted at abusive length but has not addressed this point: if you send Camco a cease & desist letter via certified mail RRR, they cannot and will not contact you again. He has not denied that these debts will not be reported to any CRA (Camco does not report to any CRA), and he has admitted that Camco cannot sue to collect these debts. Bottom line: once you tell them "don't contact me again" in writing they can't do anything to you, despite the best efforts of "Jason" and other Camco employees to deflect attention from that fact on this board and other forums. Don't argue with these criminals and con artists: don't let these criminals and con artists prey on your guilt. Hang up on them, and send them cease & desist letters, cc'ed to the Illinois attorney general and to your state's attorney general. That will get them off your back - and if enough people do that, it will get them out of business. (Note to Keith: send your C&D letter from a P.O. box or a Mailboxes Etc. That will get them off your back without giving them your address)

I have a little problem with what you said. I am exercising my rights under the laws of the United States to Free Speech, as this is a public forum. So any 'attacks' whatsoever will be disregarded with the least concern. First of all, there are no morals here. Many of us aren't rich. Many of us are simply making a living. Many of us have made mistakes in the past. Many of us have learned from those mistakes; otherwise we would be living on the streets. Many of us wish a different outcome in this life, but many of us can't control an occasional mishap. Many of us incur debt NOT thinking "oh i'm going to bilk this company out of money, it's gonna be good!" We do, however, think that we can pay it off but something else happens and ummmm Jason, I think us paying our car payment, or heating bill, or water or food takes dire priority over a stupid collections company. Personally i'd rather take a shower and have heat than pay 'Company A" their precious 'chump change' as far as i'm concerned these companies make millions in free and clear profit. I'm sorry to burst that bubble of collections you seem to be living in. Even if there are morals to live by, about how many of those people do you expect to go by these morals? Probably not very many. You take a 1000 people who owe money, they are given the choice to pay the debt there, or walk away and not pay it, never have to worry about it again, who do you think is going to actually sit there and fork over money?!? Probably very few, if any! I sure as heck wouldn't be there giving the money to the creditors if given the option to walk away with no obligation. If the debt is past the statue of limitations, YOU DO NOT HAVE TO PAY IT JUDGEMENT OR NOT! LEGALLY IT IS NOT YOUR DEBT ANYMORE! Got it? Especially if it is off your credit report, why risk it going back on your credit file (even though, legally it can't be on your credit if it's older than 7 years). A collection agency that has purchased a bundle of "out-of-statute" debts (where the SOL has already expired, or "run") is hoping that, either the debtors will feel GUILTY, or that they won't be aware of that "out-of-statute" status. But if a particular debtor makes it clear that s/he understands the legal situation, then the collectors are likely to give up and move on to easier targets. So like I said Jason, no ones morals are going to get in the way of a 10 year old $3,000 credit card debt. Do you think I loose sleep over owing sprint $175? Do you think it eats me alive that I owe that much?! Do you think I break down and cry because I did Sprint wrong by not paying the 'termination fee?!" Dag Gonnit, understand Jason, that there are collection laws in place. As much as you don't like it, all that crap you idiots do to collect an old debt, comes right back to you when you get slapped with fines for breaking Federal law. It's not an injustice like you think. When you threaten someone with legal action, or falsely represent a law enforcement agency to obtain payment, your going to be reported and get fined. If you collectors did everything by the book, you wouldn't have people cussing you out, or slamming the phone down calling you Aholes, and no extensive fines. People might actually want to deal with you, without all the bull you put them through. If you talk to them like a human being, they will be more inclined to keep in touch and take on the responsibility of paying it off. But the hardnose approach you collectors take makes that impossible to accomplish. You hate the fact we can hide behind a telephone and you can't do anything about it but call and call and mail threatening but (neutral) threats as is. But Jason, before you loose all respect for me, because of my clear and valid points, let me say one thing. Earlier I said I wouldn't pay Sprint, and in that case I contradicted myself by saying that most people aren't out to bilk the company of money. I am going to pay it. I took the first step and 'came out of the hole.' As you would classify me a 'skip' I did contact Allied Interstate INC. Even though, skiptracing and cross-referencing would not have found me, I decided to call and make contact. BUT, I told them that I would only pay the debt if they did a manual bulls-eye. They even refused, so I told them that I would mail a cease and decist letter and was about to terminate the call when the woman I talked to stopped me and told me she could 'probably' get the item deleted off my reports. I requested she fax the written agreement to do the manual bulls-eye upon payment. She signs it, and I sign it. She told me that this wasn't right, I told her it wouldn't be right to pay off the debt and have it still on my credit. So I am paying it off. I will only pay off the debts if it will be deleted off my credit reports. That's where my morals are. Complain all you want, you aren't going to get cooperation from us, especially if our credit is ruined. We will not (especially me) even give the slightest regard to a debt unless the collection agency removes it off my credit. I could care less if the company goes bankrupt and everyone has to find another job. I know it sounds self-centered, but it's the truth. If these companies would work with us to pay off the debt and remove it from our credit records (being more cooperative and understanding towards us) then maybe your payment rate would be much higher, and you wouldn't have to come on here and vent your anger towards people who missed a few payments or a few bills. I know you probably are judged performance wise, based on how many successful accounts you collect. If your numbers are low, don't come on here and piss, whine and moan. Read it and weep. We have rights and we will exercise these rights, whether the collection business likes it or not. Try this tactic Jason, I guarantee you that your success rate will spike! Tell the debtors that if they pay it in full, you will have the item deleted from their credit report, you will even fax or mail the written agreement, for them to sign and for you to sign. If they can't pay in full, then set up a reasonable payment plan; interest free. This will assure them that you mean what you say, your treating them like humans when you talk to them, and not some dictating creep who thinks he can mess with someones life because of a debt. Try that Jason, and be less of an Ahole, you will get results. Thank you

KEVIN...READ MY STATEMENTS...CAMCO DID VIOLATE THE FDCPA!!..WHAT PART OF THAT DONT YOU UNDERSTAND????...IF I WORKED FOR CAMCO OR WORK FOR THEM WOULD I ADMIT TO THAT??....AGAIN YOU OBVIOUSLY CANNOT READ....I AM TRYING TO GET DEADBEATS...NO MATTER WHO THEY OWE TO PAY THEIR BILLS...I AM A REPRESENTATIVE OF THE COLLECTIONS COMMUNITY...I ALSO POSTED A DEFENSE AGAINS VAN RU...DOES IT MEAN I WORK FOR VAN RU...HELL NO...MY POINT IS EVERYONE ON HERE COMPLAINS ABOUT BILL COLLECTORS...WHICH IS A SIMPLE STALL TACTIC...U KNOW U OWE...DO U RAISE YOUR CHILDREN TO AVOID RESPONSIBILITIES?...IS THAT HOW YOU WANT YOUR CHILDREN TO BELIEVE AND LIVE??...AVOIDING CREDITORS AND DODGING PEOPLE..SCARED AND AFRAID TO PICK UP A TELEPHONE??? I MEAN COME ON MAN!!....GET AN EDUCATION AND GET A JOB AND PAY YOUR BILLS...ITS THAT SIMPLE...I BET YOU WILL RENT THE REST OF YOUR LIFE....CUZ YOU KEEP GOING INTO DEBT THAT YOU REFUSE OR SCAM OUT OF PAYING OFF....OR NO WAIT..LETS USE YOUR METHOD OF PAYING YOUR BILLS...WHINE AND COMPLAIN ABOUT COLLECTION AGENCIES CALLING YOU ABOUT YOUR BILLS...YEAH THAT WILL STOP THE CALLS BUT IT WILL NOT STOP THE FACT THAT YOU OWE THE BILL...BECAUSE GUESS WHAT...I BET CAMCO SELLS THEIR UNCOLLECTABLE PAPER TO ANOTHER OR OTHER COMPANIES WHO WILL CONTINUE TO COLLECT ON YOUR BILL WHICH YOU HAVENT PAID AFTER HOW MANY YEARS???

kevin, awesome that more people are posting to the board to share their tips (and views) for dealing with camco. as for jason, i think he needs his own message board to post on. he offers no real advice for dealing with a funky company like camco who bends the law(s) to suit their collection tactics. and his constant blah blah "just pay 'em 'cuz ya owe 'em" song is stuck in a rut & in many cases incorrect advice. for instance jason, how do you clear up a debt when the amount i'm told i owe varies with each phone call? nor do i have any written notification about supposed debt. oh i know, "pay it because they told you - you owe it & their records are kinda old so overlook that part too." yes, thank you for your outstanding observations & advice. as for my fav camco caller ikea charles she seems to have stopped calling me. and i'm already starting to miss her sultry whine, "its very important that you contact us immediately."

kevin, awesome that more people are posting to the board to share their tips (and views) for dealing with camco. as for jason, i think he needs his own message board to post on. he offers no real advice for dealing with a funky company like camco who bends the law(s) to suit their collection tactics. and his constant blah blah "just pay 'em 'cuz ya owe 'em" song is stuck in a rut & in many cases incorrect advice. for instance jason, how do you clear up a debt when the amount i'm told i owe varies with each phone call? nor do i have any written notification about supposed debt. oh i know, "pay it because they told you - you owe it & their records are kinda old so overlook that part too." yes, thank you for your outstanding observations & advice. as for my fav camco caller ikea charles she seems to have stopped calling me. and i'm already starting to miss her sultry whine, "its very important that you contact us immediately."

kevin, awesome that more people are posting to the board to share their tips (and views) for dealing with camco. as for jason, i think he needs his own message board to post on. he offers no real advice for dealing with a funky company like camco who bends the law(s) to suit their collection tactics. and his constant blah blah "just pay 'em 'cuz ya owe 'em" song is stuck in a rut & in many cases incorrect advice. for instance jason, how do you clear up a debt when the amount i'm told i owe varies with each phone call? nor do i have any written notification about supposed debt. oh i know, "pay it because they told you - you owe it & their records are kinda old so overlook that part too." yes, thank you for your outstanding observations & advice. as for my fav camco caller ikea charles she seems to have stopped calling me. and i'm already starting to miss her sultry whine, "its very important that you contact us immediately."

I have a little problem with what you said. I am exercising my rights under the laws of the United States to Free Speech, as this is a public forum. So any 'attacks' whatsoever will be disregarded with the least concern. First of all, there are no morals here. Many of us aren't rich. Many of us are simply making a living. Many of us have made mistakes in the past. Many of us have learned from those mistakes; otherwise we would be living on the streets. Many of us wish a different outcome in this life, but many of us can't control an occasional mishap. Many of us incur debt NOT thinking "oh i'm going to bilk this company out of money, it's gonna be good!" We do, however, think that we can pay it off but something else happens and ummmm Jason, I think us paying our car payment, or heating bill, or water or food takes dire priority over your stupid company. Personally i'd rather take a shower and have heat than pay 'Cmpany A" their precious 'chump change' as far as i'm concerned these companies make millions in free and clear profit. I'm sorry to burst that bubble of collections you seem to be living in. Even if there are morals, about how many of those people do you expect to go by their morals? Probably not very many. You take a 1000 people who owe money, they are given the choice to pay the debt there, or walk away and not pay it, never have to worry about it again, who do you think is going to actually sit there and fork over money?!? Probably very few, if any! I sure as heck wouldn't be there giving the money to the creditors. If the debt is past the statue of limitations, YOU DO NOT HAVE TO PAY IT JUDGEMENT OR NOT! LEGALLY IT IS NOT YOUR DEBT ANYMORE! Got it? Especially if it is off your credit report, why risk it going back on your credit file (even though, legally it can't be on your credit if it's older than 7 years). A collection agency that has purchased a bundle of "out-of-statute" debts (where the SOL has already expired, or "run") is hoping that, either the debtors will feel GUILTY, or that they won't be aware of that "out-of-statute" status. But if a particular debtor makes it clear that s/he understands the legal situation, then the collectors are likely to give up and move on to easier targets. So like I said Jason, no ones morals are going to get in the way of a 10 year old $3,000 credit card debt. Do you think I loose sleep over owing sprint $175? Do you think it eats me alive that I owe that much?! Do you think I break down and cry because I did Sprint wrong by not paying the 'termination fee?!" Dag Gonnit, understand Jason, that there are collection laws in place. As much as you don't like it, all that crap you idiots do to collect an old debt, comes right back to you when you get slapped with fines for breaking Federal law. It's not an injustice like you think. When you threaten someone with legal action, or falsely represent a law enforcement agency to obtain payment, your going to be reported and get fined. If you collectors did everything by the book, you wouldn't have people cussing you out, or slamming the phone down calling you @$$holes. People might actually want to deal with you, without all the bull you put them through. But Jason, before you loose all respect for me, because of my clear and valid points, let me say one thing. Earlier I said I wouldn't pay Sprint, and in that case I contradicted myself by saying that most people aren't out to bilk the company of money. I am going to pay it. I took the first step and 'came out of the hole.' As you would classify me a 'skip' I did contact Allied Interstate INC. Even though, skiptracing and cross-referencing would not have found me, I decided to call and make contact. BUT, I told them that I would only pay the debt if they did a manual bulls-eye. They even refused, so I told them that I would mail a cease and decist letter and was about to terminate the call when the woman I talked to stopped me and told me she could 'probably' get the item deleted off my reports. I requested she fax the written agreement to do the manual bulls-eye upon payment. She signs it, and I sign it. She told me that this wasn't right, I told her it wouldn't be right to pay off the debt and have it still on my credit. So I am paying it off. I will only pay off the debts if it will be deleted off my credit reports. THat's where my morals are. Complain all you want, you aren't going to get cooperation from us, especially if our credit is ruined. We will not (especially me) even give the slightest regard to a debt unless the collection agency removes it off my credit. I could care less if the company goes bankrupt and everyone has to find another job. I know it sounds self-centered, but it's the truth. If these companies would work with us to pay off the debt and remove it from our credit records (being more cooperative and understanding towards us) then maybe your payment rate would be much higher, and you wouldn't have to come on here and vent your anger towards people who missed a few payments or a few bills. I know you probably are judged performance wise, based on how many successful accounts you collect. If your numbers are low, don't come on here and piss, whine and moan. Read it and weep. We have rights and we will exercise these rights, whether the collection business likes it or not. Try this tactic Jason, I guarantee you that your success rate will spike! Tell the debtors that if they pay it in full, you will have the item deleted from their credit report, you will even fax or mail the written agreement, for them to sign and for you to sign. This will assure them that you mean what you say, your treating them like humans when you talk to them, and not some dictating creep who thinks he can mess with someones life because of a debt. Try that Jason, and be less of an @$$hole, you will get results. Thank you Tom P.S. I bet you collection agency suits don't want us consumers to know this info, but it's too late. The war on creditors has been waged. It will be a bloody one, but the consumer side will ultimely win.

I have a little problem with what you said. I am exercising my rights under the laws of the United States to Free Speech, as this is a public forum. So any 'attacks' whatsoever will be disregarded with the least concern. First of all, there are no morals here. Many of us aren't rich. Many of us are simply making a living. Many of us have made mistakes in the past. Many of us have learned from those mistakes; otherwise we would be living on the streets. Many of us wish a different outcome in this life, but many of us can't control an occasional mishap. Many of us incur debt NOT thinking "oh i'm going to bilk this company out of money, it's gonna be good!" We do, however, think that we can pay it off but something else happens and ummmm Jason, I think us paying our car payment, or heating bill, or water or food takes dire priority over your stupid company. Personally i'd rather take a shower and have heat than pay 'Cmpany A" their precious 'chump change' as far as i'm concerned these companies make millions in free and clear profit. I'm sorry to burst that bubble of collections you seem to be living in. Even if there are morals, about how many of those people do you expect to go by their morals? Probably not very many. You take a 1000 people who owe money, they are given the choice to pay the debt there, or walk away and not pay it, never have to worry about it again, who do you think is going to actually sit there and fork over money?!? Probably very few, if any! I sure as heck wouldn't be there giving the money to the creditors. If the debt is past the statue of limitations, YOU DO NOT HAVE TO PAY IT JUDGEMENT OR NOT! LEGALLY IT IS NOT YOUR DEBT ANYMORE! Got it? Especially if it is off your credit report, why risk it going back on your credit file (even though, legally it can't be on your credit if it's older than 7 years). A collection agency that has purchased a bundle of "out-of-statute" debts (where the SOL has already expired, or "run") is hoping that, either the debtors will feel GUILTY, or that they won't be aware of that "out-of-statute" status. But if a particular debtor makes it clear that s/he understands the legal situation, then the collectors are likely to give up and move on to easier targets. So like I said Jason, no ones morals are going to get in the way of a 10 year old $3,000 credit card debt. Do you think I loose sleep over owing sprint $175? Do you think it eats me alive that I owe that much?! Do you think I break down and cry because I did Sprint wrong by not paying the 'termination fee?!" Dag Gonnit, understand Jason, that there are collection laws in place. As much as you don't like it, all that crap you idiots do to collect an old debt, comes right back to you when you get slapped with fines for breaking Federal law. It's not an injustice like you think. When you threaten someone with legal action, or falsely represent a law enforcement agency to obtain payment, your going to be reported and get fined. If you collectors did everything by the book, you wouldn't have people cussing you out, or slamming the phone down calling you @$$holes. People might actually want to deal with you, without all the bull you put them through. But Jason, before you loose all respect for me, because of my clear and valid points, let me say one thing. Earlier I said I wouldn't pay Sprint, and in that case I contradicted myself by saying that most people aren't out to bilk the company of money. I am going to pay it. I took the first step and 'came out of the hole.' As you would classify me a 'skip' I did contact Allied Interstate INC. Even though, skiptracing and cross-referencing would not have found me, I decided to call and make contact. BUT, I told them that I would only pay the debt if they did a manual bulls-eye. They even refused, so I told them that I would mail a cease and decist letter and was about to terminate the call when the woman I talked to stopped me and told me she could 'probably' get the item deleted off my reports. I requested she fax the written agreement to do the manual bulls-eye upon payment. She signs it, and I sign it. She told me that this wasn't right, I told her it wouldn't be right to pay off the debt and have it still on my credit. So I am paying it off. I will only pay off the debts if it will be deleted off my credit reports. THat's where my morals are. Complain all you want, you aren't going to get cooperation from us, especially if our credit is ruined. We will not (especially me) even give the slightest regard to a debt unless the collection agency removes it off my credit. I could care less if the company goes bankrupt and everyone has to find another job. I know it sounds self-centered, but it's the truth. If these companies would work with us to pay off the debt and remove it from our credit records (being more cooperative and understanding towards us) then maybe your payment rate would be much higher, and you wouldn't have to come on here and vent your anger towards people who missed a few payments or a few bills. I know you probably are judged performance wise, based on how many successful accounts you collect. If your numbers are low, don't come on here and piss, whine and moan. Read it and weep. We have rights and we will exercise these rights, whether the collection business likes it or not. Try this tactic Jason, I guarantee you that your success rate will spike! Tell the debtors that if they pay it in full, you will have the item deleted from their credit report, you will even fax or mail the written agreement, for them to sign and for you to sign. This will assure them that you mean what you say, your treating them like humans when you talk to them, and not some dictating creep who thinks he can mess with someones life because of a debt. Try that Jason, and be less of an @$$hole, you will get results. Thank you Tom P.S. I bet you collection agency suits don't want us consumers to know this info, but it's too late. The war on creditors has been waged. It will be a bloody one, but the consumer side will ultimely win.

I have a little problem with what you said. I am exercising my rights under the laws of the United States to Free Speech, as this is a public forum. So any 'attacks' whatsoever will be disregarded with the least concern. First of all, there are no morals here. Many of us aren't rich. Many of us are simply making a living. Many of us have made mistakes in the past. Many of us have learned from those mistakes; otherwise we would be living on the streets. Many of us wish a different outcome in this life, but many of us can't control an occasional mishap. Many of us incur debt NOT thinking "oh i'm going to bilk this company out of money, it's gonna be good!" We do, however, think that we can pay it off but something else happens and ummmm Jason, I think us paying our car payment, or heating bill, or water or food takes dire priority over your stupid company. Personally i'd rather take a shower and have heat than pay 'Cmpany A" their precious 'chump change' as far as i'm concerned these companies make millions in free and clear profit. I'm sorry to burst that bubble of collections you seem to be living in. Even if there are morals, about how many of those people do you expect to go by their morals? Probably not very many. You take a 1000 people who owe money, they are given the choice to pay the debt there, or walk away and not pay it, never have to worry about it again, who do you think is going to actually sit there and fork over money?!? Probably very few, if any! I sure as heck wouldn't be there giving the money to the creditors. If the debt is past the statue of limitations, YOU DO NOT HAVE TO PAY IT JUDGEMENT OR NOT! LEGALLY IT IS NOT YOUR DEBT ANYMORE! Got it? Especially if it is off your credit report, why risk it going back on your credit file (even though, legally it can't be on your credit if it's older than 7 years). A collection agency that has purchased a bundle of "out-of-statute" debts (where the SOL has already expired, or "run") is hoping that, either the debtors will feel GUILTY, or that they won't be aware of that "out-of-statute" status. But if a particular debtor makes it clear that s/he understands the legal situation, then the collectors are likely to give up and move on to easier targets. So like I said Jason, no ones morals are going to get in the way of a 10 year old $3,000 credit card debt. Do you think I loose sleep over owing sprint $175? Do you think it eats me alive that I owe that much?! Do you think I break down and cry because I did Sprint wrong by not paying the 'termination fee?!" Dag Gonnit, understand Jason, that there are collection laws in place. As much as you don't like it, all that crap you idiots do to collect an old debt, comes right back to you when you get slapped with fines for breaking Federal law. It's not an injustice like you think. When you threaten someone with legal action, or falsely represent a law enforcement agency to obtain payment, your going to be reported and get fined. If you collectors did everything by the book, you wouldn't have people cussing you out, or slamming the phone down calling you @$$holes. People might actually want to deal with you, without all the bull you put them through. But Jason, before you loose all respect for me, because of my clear and valid points, let me say one thing. Earlier I said I wouldn't pay Sprint, and in that case I contradicted myself by saying that most people aren't out to bilk the company of money. I am going to pay it. I took the first step and 'came out of the hole.' As you would classify me a 'skip' I did contact Allied Interstate INC. Even though, skiptracing and cross-referencing would not have found me, I decided to call and make contact. BUT, I told them that I would only pay the debt if they did a manual bulls-eye. They even refused, so I told them that I would mail a cease and decist letter and was about to terminate the call when the woman I talked to stopped me and told me she could 'probably' get the item deleted off my reports. I requested she fax the written agreement to do the manual bulls-eye upon payment. She signs it, and I sign it. She told me that this wasn't right, I told her it wouldn't be right to pay off the debt and have it still on my credit. So I am paying it off. I will only pay off the debts if it will be deleted off my credit reports. THat's where my morals are. Complain all you want, you aren't going to get cooperation from us, especially if our credit is ruined. We will not (especially me) even give the slightest regard to a debt unless the collection agency removes it off my credit. I could care less if the company goes bankrupt and everyone has to find another job. I know it sounds self-centered, but it's the truth. If these companies would work with us to pay off the debt and remove it from our credit records (being more cooperative and understanding towards us) then maybe your payment rate would be much higher, and you wouldn't have to come on here and vent your anger towards people who missed a few payments or a few bills. I know you probably are judged performance wise, based on how many successful accounts you collect. If your numbers are low, don't come on here and piss, whine and moan. Read it and weep. We have rights and we will exercise these rights, whether the collection business likes it or not. Try this tactic Jason, I guarantee you that your success rate will spike! Tell the debtors that if they pay it in full, you will have the item deleted from their credit report, you will even fax or mail the written agreement, for them to sign and for you to sign. This will assure them that you mean what you say, your treating them like humans when you talk to them, and not some dictating creep who thinks he can mess with someones life because of a debt. Try that Jason, and be less of an @$$hole, you will get results. Thank you Tom P.S. I bet you collection agency suits don't want us consumers to know this info, but it's too late. The war on creditors has been waged. It will be a bloody one, but the consumer side will ultimely win.

I have a little problem with what you said. I am exercising my rights under the laws of the United States to Free Speech, as this is a public forum. So any 'attacks' whatsoever will be disregarded with the least concern. First of all, there are no morals here. Many of us aren't rich. Many of us are simply making a living. Many of us have made mistakes in the past. Many of us have learned from those mistakes; otherwise we would be living on the streets. Many of us wish a different outcome in this life, but many of us can't control an occasional mishap. Many of us incur debt NOT thinking "oh i'm going to bilk this company out of money, it's gonna be good!" We do, however, think that we can pay it off but something else happens and ummmm Jason, I think us paying our car payment, or heating bill, or water or food takes dire priority over your stupid company. Personally i'd rather take a shower and have heat than pay 'Cmpany A" their precious 'chump change' as far as i'm concerned these companies make millions in free and clear profit. I'm sorry to burst that bubble of collections you seem to be living in. Even if there are morals, about how many of those people do you expect to go by their morals? Probably not very many. You take a 1000 people who owe money, they are given the choice to pay the debt there, or walk away and not pay it, never have to worry about it again, who do you think is going to actually sit there and fork over money?!? Probably very few, if any! I sure as heck wouldn't be there giving the money to the creditors. If the debt is past the statue of limitations, YOU DO NOT HAVE TO PAY IT JUDGEMENT OR NOT! LEGALLY IT IS NOT YOUR DEBT ANYMORE! Got it? Especially if it is off your credit report, why risk it going back on your credit file (even though, legally it can't be on your credit if it's older than 7 years). A collection agency that has purchased a bundle of "out-of-statute" debts (where the SOL has already expired, or "run") is hoping that, either the debtors will feel GUILTY, or that they won't be aware of that "out-of-statute" status. But if a particular debtor makes it clear that s/he understands the legal situation, then the collectors are likely to give up and move on to easier targets. So like I said Jason, no ones morals are going to get in the way of a 10 year old $3,000 credit card debt. Do you think I loose sleep over owing sprint $175? Do you think it eats me alive that I owe that much?! Do you think I break down and cry because I did Sprint wrong by not paying the 'termination fee?!" Dag Gonnit, understand Jason, that there are collection laws in place. As much as you don't like it, all that crap you idiots do to collect an old debt, comes right back to you when you get slapped with fines for breaking Federal law. It's not an injustice like you think. When you threaten someone with legal action, or falsely represent a law enforcement agency to obtain payment, your going to be reported and get fined. If you collectors did everything by the book, you wouldn't have people cussing you out, or slamming the phone down calling you @$$holes. People might actually want to deal with you, without all the bull you put them through. But Jason, before you loose all respect for me, because of my clear and valid points, let me say one thing. Earlier I said I wouldn't pay Sprint, and in that case I contradicted myself by saying that most people aren't out to bilk the company of money. I am going to pay it. I took the first step and 'came out of the hole.' As you would classify me a 'skip' I did contact Allied Interstate INC. Even though, skiptracing and cross-referencing would not have found me, I decided to call and make contact. BUT, I told them that I would only pay the debt if they did a manual bulls-eye. They even refused, so I told them that I would mail a cease and decist letter and was about to terminate the call when the woman I talked to stopped me and told me she could 'probably' get the item deleted off my reports. I requested she fax the written agreement to do the manual bulls-eye upon payment. She signs it, and I sign it. She told me that this wasn't right, I told her it wouldn't be right to pay off the debt and have it still on my credit. So I am paying it off. I will only pay off the debts if it will be deleted off my credit reports. THat's where my morals are. Complain all you want, you aren't going to get cooperation from us, especially if our credit is ruined. We will not (especially me) even give the slightest regard to a debt unless the collection agency removes it off my credit. I could care less if the company goes bankrupt and everyone has to find another job. I know it sounds self-centered, but it's the truth. If these companies would work with us to pay off the debt and remove it from our credit records (being more cooperative and understanding towards us) then maybe your payment rate would be much higher, and you wouldn't have to come on here and vent your anger towards people who missed a few payments or a few bills. I know you probably are judged performance wise, based on how many successful accounts you collect. If your numbers are low, don't come on here and piss, whine and moan. Read it and weep. We have rights and we will exercise these rights, whether the collection business likes it or not. Try this tactic Jason, I guarantee you that your success rate will spike! Tell the debtors that if they pay it in full, you will have the item deleted from their credit report, you will even fax or mail the written agreement, for them to sign and for you to sign. This will assure them that you mean what you say, your treating them like humans when you talk to them, and not some dictating creep who thinks he can mess with someones life because of a debt. Try that Jason, and be less of an @$$hole, you will get results. Thank you Tom P.S. I bet you collection agency suits don't want us consumers to know this info, but it's too late. The war on creditors has been waged. It will be a bloody one, but the consumer side will ultimely win.

Camco pays about 1/2 a cent on crap time barred debt and uses every illegal tactic to collect it. Paying a simple penny on this debt just lines their pockets. How about paying a mugger just to leave you alone. That is the same mentality. Jason talks, as all camco employees do, of morality yet none of them have any moral values. They are a blight upon society. I would just as soon kick them to the curb then help a single one of them. They b***h and whine and moan and then try to scam old ladies and the helpless but if anyone with a lick of knowledge on the fdcpa or fcra or credit gets a call they tuck tail and run or get sued. Cowards. You are a complete coward Jason and after 2 years of fighting your scumbag company I can say with confidence your end is near.

I note that "Jason" conveniently neglected to mention one thing: if you send Camco a cease & desist letter they can not and will not call you again. He also failed to mention that Camco does not report to any credit reporting agency, and so they can not and will not be able to do any damage to your credit rating. Bottom line: don't argue with them when they call, just hang up the phone. Then send a C&D letter certified mail, return receipt requested. Send a copy of the letter to the Illinois Attorney General and to your state's Attorney General, explaining that Camco continues to violate the FDCPA and various state statutes. This board is hitting Camco where it hurts -- in the wallet. That is why their employees are coming on here trying to justify their criminal enterprise. They know that an educated consumer will blow them off and send that C&D letter... and they know that if enough people do that their scam will be out of business.

I note that "Jason" conveniently neglected to mention one thing: if you send Camco a cease & desist letter they can not and will not call you again. He also failed to mention that Camco does not report to any credit reporting agency, and so they can not and will not be able to do any damage to your credit rating. Bottom line: don't argue with them when they call, just hang up the phone. Then send a C&D letter certified mail, return receipt requested. Send a copy of the letter to the Illinois Attorney General and to your state's Attorney General, explaining that Camco continues to violate the FDCPA and various state statutes. This board is hitting Camco where it hurts -- in the wallet. That is why their employees are coming on here trying to justify their criminal enterprise. They know that an educated consumer will blow them off and send that C&D letter... and they know that if enough people do that their scam will be out of business.

I note that "Jason" conveniently neglected to mention one thing: if you send Camco a cease & desist letter they can not and will not call you again. He also failed to mention that Camco does not report to any credit reporting agency, and so they can not and will not be able to do any damage to your credit rating. Bottom line: don't argue with them when they call, just hang up the phone. Then send a C&D letter certified mail, return receipt requested. Send a copy of the letter to the Illinois Attorney General and to your state's Attorney General, explaining that Camco continues to violate the FDCPA and various state statutes. This board is hitting Camco where it hurts -- in the wallet. That is why their employees are coming on here trying to justify their criminal enterprise. They know that an educated consumer will blow them off and send that C&D letter... and they know that if enough people do that their scam will be out of business.

I note that "Jason" conveniently neglected to mention one thing: if you send Camco a cease & desist letter they can not and will not call you again. He also failed to mention that Camco does not report to any credit reporting agency, and so they can not and will not be able to do any damage to your credit rating. Bottom line: don't argue with them when they call, just hang up the phone. Then send a C&D letter certified mail, return receipt requested. Send a copy of the letter to the Illinois Attorney General and to your state's Attorney General, explaining that Camco continues to violate the FDCPA and various state statutes. This board is hitting Camco where it hurts -- in the wallet. That is why their employees are coming on here trying to justify their criminal enterprise. They know that an educated consumer will blow them off and send that C&D letter... and they know that if enough people do that their scam will be out of business.

OK...LOOK AT MY RESPONSE... THEY DID VIOLATE THE FDCPA BY THREATENING LITIGATION ON OUT OF STAT PAPER... MY POINT AND THE CONTINUAL POINT IM TRYING TO MAKE TO ALL OF YOU.. ITS SIMPLE........ YOU KNOW YOU OWE THE BILL... PAY IT... IF SOMEONE CALLS YOU ABOUT A DISCOVER BILL FROM 20 YEARS AGO AND DEEP DOWN U KNOW U HAD A BILL WITH THEM... PAY IT... DOESNT MATTER HOW OLD THE BILL IS... DOESNT MATTER WHAT THE PEOPLE SAY ON THE PHONE... MORALLY AND LEGALLY FROM LOOKING AT THE RESPONSES ON THE WEB SITE.. MOST PEOPLE ADMIT THEY HAD A BILL.. BUT JUST DIDNT PAY IT OR ARE LOOKING FOR A COMPLETE ITEMIZATION TO JUST MAKE SURE THEY OWE IT... WHICH IS JUST A STALL TACTIC... HOW IN THE WORLD DO U NOT KNOW YOUR FINANCES... HOW IN THE WORLD DO U NOT KNOW WHO U BORROWED MONEY FROM OR GOT A CREDIT CARD FROM OR GOT A MEDICAL BILL FROM ETC..ETC..ETC... UNLESS YOU GOT STRUCK IN THE HEAD AND HAVE AMNESIA... STOP WHINNING AND STALLING... STOP BEING SUCH A SCAM ARTIST... FESS UP... BE RESPONSIBLE... U KNOW U OWE... I DONT CARE WHO IS CALLING YOU OR WHAT THEY SAY... U KNOW WHAT THEY CAN OR CANNOT SAY... STOP BEING SUCH A DEADBEAT AND PAY THE d**n BILL..... QUIT COMPLAINING... DEEP DOWN U KNOW U OWE... SO YES YOU SHOULD PAY CAMCO OR A PORTION OF WHAT THEY SAY YOU OWE.. U CAN NEGOTIATE A SETTLEMENT... DO U PEOPLE NOT HAVE A CONSCIENCE???... OH YEAH I BET U DO AND I BET IT SAYS SUE THE COLLECTION AGENCY OR COMPLAIN ABOUT THEM BECAUSE I OWE A BILL AND I COULDNT COMMUNICATE WITH THESE PEOPLE LIKE AN ADULT TO RESOLVE A SITUATION..... STOP AVOIDING.. STOP MAKING EXCUSES... STOP BLAMING EVERYONE ELSE.... LOOK IN THE MIRROR.... YOU ARE AT FAULT... IF THEY HAVE THE WRONG PERSON OR U FILED BK... JUST SEND THEM THE BK INFORMATION OR SEND A CEASE AND DESIST LETTER....... I MEAN COME ON..... I HAVE NOT SEEN ONE COMMENT IN HERE WHERE SOMEONE SAYS YEAH I HAD THE BILL.. ITS OLD...I KNOW THEY CANNOT INFORCE A JUDGEMENT ON ME BUT IM GONNA PAY MY BILL.... INSTEAD I SEE A BUNCH OF WHINNING BABIES ON HERE.. ITS JUST DISGUSTING TO SEE THIS... AND I DONT EVEN WORK FOR CAMCO... NEVER HAVE... I WORK IN THE COLLECTIONS INDUSTRY... BUT IM SICK OF YOU PEOPLE COMPLAINING JUST BECAUSE YOU OWE A BILL... PAY IT... CALL THEM UP AND PAY THE BILL....

Tom, good tips on dealing with resolving credit probs. yes i think debt collectors would have much better results collecting if they were honest in their dealings with us. by the way, i think in 2005 the Big 3 credit reporting agencys will be offering consumers 1 free copy of their credit report (per year?). don't think the big 3 is doing this out of kindness but with so many errors on credit reports they were forced too. i've heard the reports can contain errors that go unchecked & undisputed.

Dear Misfortuned, As someone who is currently surfing the bad credit waves, I know how most of you feel. I admit my part in not paying my bills. Much of it was not being responsible enough. But I will advise anyone dealing with camco or any other collection agency to do the following: 1.) If the debt is still under 7 years old (fresh debt or only a few years old) it may be in your best interest to pay off the debt. BUT, under one condition; the collection agency should agree to take the listing off your credit report. In my view, it is not a win loose situation. If you pay them the money, why should you be punished with bad credit when you made an honest effort to pay the bill and make everything right? If you pay them, negotiate with the collection agency to remove the listing so both parties are satisfied. 2.) If they refuse to delete the negative listing (manual bulls-eye), then there is no point in paying the bill. Because sooner or later the listing will fall off your credit report (most definently after 7 years by law). If you pay it and they refuse to negotiate, your only extending the 7 year clock on your credit report (date of LAST activity!) Plus your out the money you paid, with no positive results. Your in a bad credit situation regardless of whether you pay them or not. You may as well attempt to negotiate with a brick wall. Many creditors and collection agencies are lenient and will agree to remove the listing (remember they want your money, they could care less about the negative listing). BUT, also remember there are collection agencies and creditors who get tired of people not paying bills, so in turn, they will make it a personal vandetta and make sure a persons credit is ruined for that 7 year period regardless of prompt payment of debt or no payment. 3.) IF they do agree to do a manual bulls-eye, get it in writing!!! Also if you can, have them get a public notary on the document (offer to pay for the expense, as this demonstrates a willingness to help them to help you and become more responsible). Many companies lie and say they will readily delete the listing if you mail them a payment. Upon receipt of payment, they will turn around and report it as paid off charge off, or paid collection! Then you have no written proof of the agreement you made with them, only verbal. In court, you would 99% of the time loose. So please get it in writing, and notarized if possible. (and another slick tactic they may overlook if they are unwilling cooperate via manual bulls-eye, is to mail them a personal check from your bank, request a copy of the cashed check and write on the check "upon cashing this check, you agree to remove this paid debt from my credit file(s)!") I guarantee you, if you are persistant and keep hope, you can prevail. If it is older than 7 years, chances are the SOL has started on the debt, and it shouldn't be on your credit report after 7 years. If it is a new debt, DONT PAY IT if you can't reason with them (collection agencies or creditors). There is no point in paying a fresh debt off if they won't remove the listing from your credit files. Either way your still going to have bad credit, and you renew the 7 year period. Plus your out 500, 1000, or higher dollar amount which you could use to pay current bills. You may as well flush the money down the toilet. Your only making the company rich and making you poor. And if you can discreetly write a notation on the check that if they cash it, they agree to remove the listing from your credit records, DO IT if you can afford the full payment of such said debt. Most of the time they don't notice it, and they cash it. Then you can contact the collection agency and demand that they remove the listing. By law, you made a legal contract on that check. Some might smart up to this and mail the check back to you. If they do that, they aren't even worth working with in the first place. Forget about them and repair your credit slowly, piece by piece. There are no morals here, just the rights of american citizens who are acting responsible to accept blame in not paying the bills, and taking the responsible step to pay off the bill. So why shouldn't the consumer be treated like a responsible individual? The reason for me posting this? Simple, I want consumers to know their rights. They shouldn't be plagued with bad credit if they pay off the bill. Give them a second chance. And for the critics, I can see this 'attack' coming already. Yes, I know it defeats the purpose of credit reporting. It impedes "The Big 3" from providing accurate profiles of a potential customer to creditors to help them decide and assess what kind of a credit risk a consumer is. I can understand that. But everyday, consumers are being stepped on all the time by unscrouptulous collection practices, unfair credit reporting, and the vigilante justices these unbalanced and impartial collection companies apply to Mr and Mrs Doe. In all fairness, we should be allowed to say "yes, we screwed up, didn't pay our bills, but were taking the responsible step by wanting to pay outstanding debts." Shouldn't that be assesed as a better credit risk person right there?! Personally I have outstanding debts for Sprint PCS (an early termination fee of 175.00) which I thoroughly refuse to pay. I paid my bill every month, and should be given the opportunity to switch wireless companies without being 'penalized' for it. This isn't a communistic country where everyone is treated like dirt. I guarantee Sprint can make enormous profit by playing it fair, It is a multi-billion dollar company, so I think it can afford to loose the ridiculous early termination fee. I understand it is considered 'insurance' so it can get some extra cash out of a consumer to help it's profits soar even more. But I will not accept an explanation of it costing that much to simply delete a consumer from their subscribers list. It takes 30 seconds at most to change your status to former customer, that's all there is to it. So the point of an early termination fee is as pointless as a benign cancer cell floating around in a mass tumor. The cell is just excess cancer that is not needed. Just like the money is pointless, it is excess money placed into Sprints profit margin. But I will pay it if they remove it from my credit file. Because unfortunately I did sign a contract and I am legally bound to that fee. I will not accept a no answer to a manual bulls-eye, otherwise they will have to report that lost profit on their taxes. This is from my detailed perspective about the collection business. It might agree with many of your viewpoints. I hope it can be posted as a helpful guide for consumers, from one to the other, so they may relate with me. It will hopefully help and inspire some to take action, but may invoke outrage from the collection community. For that I apologize. But in fairness, we are entitiled to our opinions and legal remedies. There is a law protecting us you know. The FCRA is our best and only friend at this point.

Dear Misfortuned, As someone who is currently surfing the bad credit waves, I know how most of you feel. I admit my part in not paying my bills. Much of it was not being responsible enough. But I will advise anyone dealing with camco or any other collection agency to do the following: 1.) If the debt is still under 7 years old (fresh debt or only a few years old) it may be in your best interest to pay off the debt. BUT, under one condition; the collection agency should agree to take the listing off your credit report. In my view, it is not a win loose situation. If you pay them the money, why should you be punished with bad credit when you made an honest effort to pay the bill and make everything right? If you pay them, negotiate with the collection agency to remove the listing so both parties are satisfied. 2.) If they refuse to delete the negative listing (manual bulls-eye), then there is no point in paying the bill. Because sooner or later the listing will fall off your credit report (most definently after 7 years by law). If you pay it and they refuse to negotiate, your only extending the 7 year clock on your credit report (date of LAST activity!) Plus your out the money you paid, with no positive results. Your in a bad credit situation regardless of whether you pay them or not. You may as well attempt to negotiate with a brick wall. Many creditors and collection agencies are lenient and will agree to remove the listing (remember they want your money, they could care less about the negative listing). BUT, also remember there are collection agencies and creditors who get tired of people not paying bills, so in turn, they will make it a personal vandetta and make sure a persons credit is ruined for that 7 year period regardless of prompt payment of debt or no payment. 3.) IF they do agree to do a manual bulls-eye, get it in writing!!! Also if you can, have them get a public notary on the document (offer to pay for the expense, as this demonstrates a willingness to help them to help you and become more responsible). Many companies lie and say they will readily delete the listing if you mail them a payment. Upon receipt of payment, they will turn around and report it as paid off charge off, or paid collection! Then you have no written proof of the agreement you made with them, only verbal. In court, you would 99% of the time loose. So please get it in writing, and notarized if possible. (and another slick tactic they may overlook if they are unwilling cooperate via manual bulls-eye, is to mail them a personal check from your bank, request a copy of the cashed check and write on the check "upon cashing this check, you agree to remove this paid debt from my credit file(s)!") I guarantee you, if you are persistant and keep hope, you can prevail. If it is older than 7 years, chances are the SOL has started on the debt, and it shouldn't be on your credit report after 7 years. If it is a new debt, DONT PAY IT if you can't reason with them (collection agencies or creditors). There is no point in paying a fresh debt off if they won't remove the listing from your credit files. Either way your still going to have bad credit, and you renew the 7 year period. Plus your out 500, 1000, or higher dollar amount which you could use to pay current bills. You may as well flush the money down the toilet. Your only making the company rich and making you poor. And if you can discreetly write a notation on the check that if they cash it, they agree to remove the listing from your credit records, DO IT if you can afford the full payment of such said debt. Most of the time they don't notice it, and they cash it. Then you can contact the collection agency and demand that they remove the listing. By law, you made a legal contract on that check. Some might smart up to this and mail the check back to you. If they do that, they aren't even worth working with in the first place. Forget about them and repair your credit slowly, piece by piece. There are no morals here, just the rights of american citizens who are acting responsible to accept blame in not paying the bills, and taking the responsible step to pay off the bill. So why shouldn't the consumer be treated like a responsible individual? The reason for me posting this? Simple, I want consumers to know their rights. They shouldn't be plagued with bad credit if they pay off the bill. Give them a second chance. And for the critics, I can see this 'attack' coming already. Yes, I know it defeats the purpose of credit reporting. It impedes "The Big 3" from providing accurate profiles of a potential customer to creditors to help them decide and assess what kind of a credit risk a consumer is. I can understand that. But everyday, consumers are being stepped on all the time by unscrouptulous collection practices, unfair credit reporting, and the vigilante justices these unbalanced and impartial collection companies apply to Mr and Mrs Doe. In all fairness, we should be allowed to say "yes, we screwed up, didn't pay our bills, but were taking the responsible step by wanting to pay outstanding debts." Shouldn't that be assesed as a better credit risk person right there?! Personally I have outstanding debts for Sprint PCS (an early termination fee of 175.00) which I thoroughly refuse to pay. I paid my bill every month, and should be given the opportunity to switch wireless companies without being 'penalized' for it. This isn't a communistic country where everyone is treated like dirt. I guarantee Sprint can make enormous profit by playing it fair, It is a multi-billion dollar company, so I think it can afford to loose the ridiculous early termination fee. I understand it is considered 'insurance' so it can get some extra cash out of a consumer to help it's profits soar even more. But I will not accept an explanation of it costing that much to simply delete a consumer from their subscribers list. It takes 30 seconds at most to change your status to former customer, that's all there is to it. So the point of an early termination fee is as pointless as a benign cancer cell floating around in a mass tumor. The cell is just excess cancer that is not needed. Just like the money is pointless, it is excess money placed into Sprints profit margin. But I will pay it if they remove it from my credit file. Because unfortunately I did sign a contract and I am legally bound to that fee. I will not accept a no answer to a manual bulls-eye, otherwise they will have to report that lost profit on their taxes. This is from my detailed perspective about the collection business. It might agree with many of your viewpoints. I hope it can be posted as a helpful guide for consumers, from one to the other, so they may relate with me. It will hopefully help and inspire some to take action, but may invoke outrage from the collection community. For that I apologize. But in fairness, we are entitiled to our opinions and legal remedies. There is a law protecting us you know. The FCRA is our best and only friend at this point.

jason, so based on inaccurate and/or missing information,lets all just agree with whatever camco says we owe and pay up. and we can spend our time doing other things besides posting here. honestly, if i did not have accurate info regarding a clients debt how in the world can i ask someone to pay me? what i think they might owe me. and yet despite this lack of accurate info, camco continues to tell people pay up or we'll take you to court. there are weekly posts here where that "threat" was apparently made. so i think camcos scaring people into paying is easier & sometimes pays off with very little effort. especially since going to court with a case based on NO evidence won't work. if i was in the collection biz, don't think i'd even bother with eons old debt, especially if the info can not be verified.

c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- (1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. Jason the above information is from tthe Fair Debt Collections Act, therfore I would expect Camco or any other collection aagenct to CREASE their collection attemots upon receipt of same information. from a rebuttal: "SO WHEN THEY MAKE CALLS AND PEOPLE DISPUTE THEY HAVE NOTHING TO BACK IT UP WITH BECAUSE THE ORIGINAL CREDITOR EITHER GOT BOUGHT OUT OR LOST THE PAPERWORK CUZ IT WAS 5 YEARS OLD OR LONGER..." Jason, what about the person who has destroyed their documentation after 10-12 years? According to your paragraph above, we should just believe the collections agency where as they don't believe us? By the way the Statuteus of Limitations state (in California) after a 4 year period a person can not be sued in a court of law for attempted collection of a revolving credit debt. That is 4 years of no payment activity.

Do you actually believe any of the garbage you just spewed. Oh those poor camco employees who are forced(one second while I get a tissue) to threaten and harrass because of those darn professional debtors. Never mind most of the debts were either discharged in BK or are just the wrong person. Never mind the rest are 20 years old. Alas, you were forced to threaten a lawsuit, threaten to ruin the persons credit, threaten to rape or physically abuse them, pretend to be a cop, ect. Shall I go on? If you think that 300k lawsuit hurt(which I doubt it did) just wait for what is about to strike you. Your officers will be enjoying their stay down the river.

KEITH VERY SIMPLE WHY THEY WERE FINED BY THE FTC..... WHEN THEY PURCHASE OLD OUT OF STAT PAPER... THEY ONLY GET A NOTARY SHOWING THE BILL IS LIGITIMATE AND NO "SPECIFIC" ITEMIZATION... SO WHEN THEY MAKE CALLS AND PEOPLE DISPUTE THEY HAVE NOTHING TO BACK IT UP WITH BECAUSE THE ORIGINAL CREDITOR EITHER GOT BOUGHT OUT OR LOST THE PAPERWORK CUZ IT WAS 5 YEARS OLD OR LONGER... THINK ABOUT IT... DID YOU KEEP ALL YOUR ORIGINAL STATEMENTS WHEN U GOT THIS CREDIT CARD... NO U PROBABLY THREW THEM OUT ... SO THINK ABOUT A COMPANY OR ORGANIZATION THAT HAS THOUSANDS AND MILLIONS OF CUSTOMERS... AFTER A CERTAIN TIME FRAME GOES BY ... WHAT DO U THINK HAPPENS TO THOSE OLD RECORDS... THEY PROBABLY GET LOST OR THROWN OUT... BUT THAT DOESNT MEAN ITS NOT LIGITIMATE... IT DOESNT MEAN U DONT KNOW U OWE OR THEY DONT KNOW U OWE... SO WHEN THE FTC GETS A CERTAIN NUMBER OF COMPLAINTS ABOUT A CERTAIN ORGANIZATION THEY HAVE TO TAKE ACTION... WHEN CAMCO PURCHASES PAPER ITS DONE THRU WHATS CALLED ELECTRONIC FILE TRANSFERS... THEY GET THOUSANDS UPON THOUSANDS OF ACCOUNTS.. THEY DONT MANUALLY GO THRU EACH RECORD TO SEE IF THERE IS AN ITEMIZATION... THERE IS NO WAY POSSIBLE TO REGULATE THIS... ASK ANYONE IN THE INDUSTRY... ALSO CAMCO PROBABLY DID VIOLATE THE FDCPA BY MAKING THREATS OF TAKING TO COURT ON THE OUT OF STAT PAPER.... THAT DOESNT MEAN THAT THE BILLS SHOULD NOT BE PAID... THAT MEANS CAMCO HAS A BAD APPROACH TO COLLECTIN DEBT... THINK ABOUT IT IN THEIR TERMS... IF U HAVE ACCOUNTS U CANNOT PROVIDE AN ITEMIZATION AND ITS NOT YOUR FAULT... AND THE DEBTS ARE OLD... AND U ALREADY KNOW THE PERSON HASNT PAID BILLS IN THE PAST... WHAT WOULD YOU SAY TO THE PERSON... JUST ABOUT ANYTHING TO GET THEM TO PAY..... U KNOW THE PERSON IS A PROFESSIONAL DEBTOR PROBABLY SO U THREATEN LITIGATION..WHICH IS ILLEGAL ON OUT OF STAT PAPER... THATS WHY THEY GOT FINED...

jason, thanks so much for the info regarding debt collection laws. the better informed we are hopefully the less mistakes we'll make in life. but i am curious, in camco's offering to help me & others take care of our old debts, why were they fined $300,000+ & given a list of "don'ts" by the ftc? if you'd like more details about camcos collection practices visit the ftc's website. from what i've read, camco likes to do its collecting, shall we say, a bit differently. but your main message here about being a deadbeat is well taken - pay your bills people.

jason, thanks so much for the info regarding debt collection laws. the better informed we are hopefully the less mistakes we'll make in life. but i am curious, in camco's offering to help me & others take care of our old debts, why were they fined $300,000+ & given a list of "don'ts" by the ftc? if you'd like more details about camcos collection practices visit the ftc's website. from what i've read, camco likes to do its collecting, shall we say, a bit differently. but your main message here about being a deadbeat is well taken - pay your bills people.

jason, thanks so much for the info regarding debt collection laws. the better informed we are hopefully the less mistakes we'll make in life. but i am curious, in camco's offering to help me & others take care of our old debts, why were they fined $300,000+ & given a list of "don'ts" by the ftc? if you'd like more details about camcos collection practices visit the ftc's website. from what i've read, camco likes to do its collecting, shall we say, a bit differently. but your main message here about being a deadbeat is well taken - pay your bills people.

jason, thanks so much for the info regarding debt collection laws. the better informed we are hopefully the less mistakes we'll make in life. but i am curious, in camco's offering to help me & others take care of our old debts, why were they fined $300,000+ & given a list of "don'ts" by the ftc? if you'd like more details about camcos collection practices visit the ftc's website. from what i've read, camco likes to do its collecting, shall we say, a bit differently. but your main message here about being a deadbeat is well taken - pay your bills people.

WHAT DO U DO NOW?.... PAY THE BILL... BUYING STOCK IN A COMPANY DOESNT HELP SOLVE ANYTHING... IF YOU CAN AFFORD TO BUY STOCK THEN U CAN AFFORD TO PAY BACK YOUR DELINQUENT BILL.... SECONDLY I THINK YOU ARE MIS INFORMED WHAT THE TERM STATUE OF LIMITATIONS MEANS..... STATUE OF LIMITATIONS IS THE TIME FRAME THAT SOMEONE CAN LEGALLY (TAKING YOUR TO COURT TO OBTAIN A JUDGEMENT OR RENDERING A JUDGEMENT AGAINST YOU)... YOU STILL CAN GET PHONE CALLS.... YOU CAN STILL GET COLLECTION LETTERS AND IT IS STILL LEGAL FOR THEM TO DO THIS... THIS IS NOT ILLEGAL IN ANY WAY SHAPE OR FORM... WHAT IS ILLEGAL IS TRYING TO TAKE YOU TO COURT... THEY WILL NOT WIN... WHAT IS ILLEGAL IS PUTTING IN YOUR CREDIT BUREAU AFTER A CERTAIN PERIOD OF TIME.... THE STATUE OF LIMITATION LAW DOES NOT NEGATE THE FACT THAT YOU OWE THE MONEY... BESIDES... WHAT IF THE STOCK GOES DOWN AND YOU LOSE MONEY.... IT WOULD BE BETTER AND SAVE YOU MORE MONEY IF YOU SETTLED ON THE BILL... THEY PROBABLY OFFER CENTS ON THE DOLLAR TO CLOSE OUT YOUR DELINQUENT ACCOUNT... SO WHY NOT TAKE ADVANTAGE OF THAT...ISNT IT THE MORALLY CORRECT THING TO DO???.... NOTHING CAMCO DOES IS ILLEGAL ABOUT TRYING TO COLLECT ON OUT OF STAT PAPER OR DEBT.... IN FACT... CAMCO HAS DONE YOU AS A CONSUMER A BENEFIT BY CURING YOUR DEFAULT WITH THE CREDIT CARD COMPANY.... DO YOU REALIZE HOW MANY BANKS HAVE CHANGED HANDS SINCE YOU INCURRED THE BILL.. WHEN THEY PURCHASE THESE ACCOUNTS SOMETIMES THE PAPERWORK GETS LOST OR MIS PLACED... THAT DOESNT MEAN THAT DEEP DOWN YOU KNOW YOU OWE THE BILL... IT DOESNT MEAN THAT THEY DONT HAVE A NOTORIZED AUTHORIZATION OF PURCHASE FROM THE CREDITOR OF THE DEBT... I MEAN YOU PAY AS MUCH AS YOU CAN WHEN YOU CAN.... THATS WHAT YOU DO... AND YES PAYING CAMCO DOES BENEFIT CITIBANK... REASON IS VERY SIMPLE..... SINCE ACCOUNTS GET WRITTEN OFF... OR CHARGED OFF... CITIBANK SELLS THEM TO COMPANIES LIKE CAMCO FOR PENNIES ON THE DOLLAR TO TRY TO RECOVER SOMETHING.. OR GET SOME MONEY FOR YOUR DELINQUENCY... WHEN U PAY CAMCO IT GIVES THEM MORE PURCHASING POWER AND CAPITAL TO PAY FOR MORE ACCOUNTS WHICH BENEFITS CITIBANK BECAUSE THEY ARE GETTING MORE MONEY THAN NOTHING BECAUSE CAMCO IS PAYING THEM TO BUY MORE ACCOUNTS.....

jason, your major theme is correct! DONT GET INTO DEBT IN THE FIRST PLACE. so now that i've/we've screwed up, what do we do? i dunno. i can't pay citibank back (even if i tried) they've written the debt off eons ago. and paying off camco only benefits camco - not citibank. i did buy some stock in citibank so i am repaying them in a different way. even i wanted to pay camco - their info varies with each call. one time they id'd me using an out of date phone #, the next time its my ss#. one call they say i owe chase & citi, next call its just citi & the amounts owed varied too. in addition, camco says they've sent me info about my debts, yet i've never gotten 1 letter - yet. camco also changes our debt collecting laws to suit their needs. for instance, i didn't make the rules, but we do have statute of limitations for collecting debt. its 4 years here in california, camco tried to convince differently in 1 phone call. then in the next call, "oh, you're correct, but..." yea, im sure working for a collection agency may not be the best job - but why lie & make stuff up - as you will read in many other posts here.

yes sharon good advice & welcome to the world of bottom feeder debt collectors - aka camco. sharon good you did not send them money, as scaring us into paying is the only way they can make money on our stale debts. and i've read posts where people who weren't sure about their old debts & statutes of limitations & they simply sent camco a check in hopes of making them go away - which makes camco happy i'm sure. as for sharons advice about sending camco a stop bothering me letter (cease & desist), i can't. doing that would give camco my correct address & they might even figure out my telephone # too. currently they only have my work phone - which is just a voice mail. in fact, camcos ikea charles seems to have given up calling that # finally. my best advice continues to be: ignore them & report them when they start using funky collection tactics. for instance, when they create their own statute of limitations & laws. camco, in california its -still- 4 years, after that the debt is written off. camco may also try to tell you otherwise about your states SOL's. or even make stuff up like, "but there's been some recent activity..." not sure what that was supposed to mean exactly, but the date ikea made up was still well beyond 4 years. we used to have a debtors prison, now we need a debt collectors prison. all in favor raise your hand.

I ALSO HAVE HAD A VERY SIMILAR SITUATION. A DEBT THAT WAS 13 YEARS OLD THAT WAS CHARGED OFF BY MIDLAND BANK MUST HAVE BEEN BOUGHT BY THIS THIRD PARTY COLLECTION AGENCY, NAMED CAMCO, BEGAN CALLING ME ABOUT 4-6 MONTHS AGO. I TOO SHREDDED MY PAPER WORK SECONDARY TO THE TIME FRAME....I CHOSE TO IGNORE THE PHONE CALLS FOR AWHILE UNTIL I SPOKE TO SOMEONE,WHO STATED THIS OFFICE I WAS SPEAKING WITH WAS IN THE CARRIBEAN, SAID THAT I OWED A DEBT. I WENT THROUGH THE WHOLE THING WITH THEM AND THEY THREATENED ME WITH REPORTING TO RUIN MY CREDIT. WHEN I TOLD THEM I WAS UNEMPLOYED, THEY SAID THEY WOULD GO AFTER MY HUSBAND. IF ANYONE KNOWS THE LAW, THEY CAN'T DO THAT IN THE STATE OF TEXAS. I GOT SO NERVOUS AT ONE POINT BUYING INTO THEIR GAME, I THOUGHT I MIGHT EVEN ATTEMPT TO BORROW MONEY FROM MY PARENTS...I'M SURE GLAD THAT OUR CLOSE FRIEND IS A FEDERAL JUDGE AND THEY SAID TO SEND THEM A CEASE AND DESIST LETTER AND THAT THEY WERE A SCAM...SOMETHING YOU MAY WANT TO DO THAT I HAVEN'T SEEN SUGGESTED TO WHEN I HAVE BEEN READING THESE LETTERS...IS NOT ONLY SEND IT RETURN RECEIPT CERTIFED, BUT ALSO REGULAR MAIL...MANY TIMES COMPANIES LIKE THIS WILL NOT OPEN CERTIFIED MAIL. THOUGHT THAT WAS A GOOD POINT FROM OUR JUDGE FRIEND...HOPE THIS HELPS...DO NOT SEND THEM ANYTHING!!!!!!!!!REPORT THEM AND SAY "HAVE A NICE DAY."