Complaint Review: Diversified Consultants Inc. - Jacksonville Florida

I am NOT an attorney. I do NOT give "legal advice". I AM an informed consumer, with extensive experience in dealing with the illegal practices of most debt collection agencies. Understand this...if you receive a Debt Collection letter from ANY debt collector, regardless of whether the debt is valid or not, (MANY times debt collectors will try to collect on a debt that is NOT yours or is BEYOND the proscribed statute of limitations or possibly other circumstances that makes it ILLEGAL for them to engage in collection activities), do NOT make the mistake of FAILING to respond to that first communication. If you fail to reply to that first debt collection letter within 30 days, and they initiate legal proceedings against you, they can, (and WILL), claim in Court that the debt is valid because YOU didn't dispute it! The 30 day response time begins when you actually receive the letter in your mailbox...NOT from the date shown in the letter. Remaining SILENT in hopes of avoiding the debt collectors, is NOT a good idea! They could use it AGAINST you later on in civil Court! As for Diversified Consultants, Inc., they sent me a collection letter 2 weeks ago regarding my Comcast account which was paid in full at the time I terminated their service. The debt is NOT valid and providing supporting documentation to that effect is instrumental in putting a stop to their collection efforts! Moreover, I have confirmed the number of federal lawsuits filed against them...TEN just within the past month starting from Nov. 3, 2017 to today's date! The suits were filed in Florida, Georgia, New York, Illinois and New Jersey and allege violations of The Fair Debt Collections Practices Act, (FDCPA), violations of the Fair Credit Reporting Act, (FCRA), and violations on Restrictions of Use of Telephone Equipment! Clearly, Diversified Consultants, Inc. does NOT "play by the Rules" when it comes to their collection efforts! One of the most IMPORTANT things a consumer should remember is that ALL debt collection agencies count on the fact that the vast majority of the consumers they go after do NOT know their rights pursuant to the state and/or federal laws governing debt collection activities. The "uninformed consumer" is their easiest and favorite "target" because they don't know how to DEFEND themselves!

Contrary to the claims made by that "IDIOT" who purports to work for Diversified Consultants, Inc., (He submitted the "I WORK HERE!" response), this company is NOT at the "top of the food chain" in the debt collection world, they are closer to the BOTTOM and I sincerely hope that they continue their debt collection efforts against me! I'll simply sit back and wait for them to make their first "mistake", (as they surely will), and then I will "yank their asses" into a federal courtroom on a comprehensive Civil Complaint! Most of the time these debt collection companies will settle out of court rather than go to trial and LOSE, but even if I don't get much of a monetary judgment against them, I will make it cost them AT LEAST 50K in attorneys fees and related costs to defend against the lawsuit in federal Court!

So....if you believe you are the victim of illegal debt collection practices, here's what I suggest you do:

1) Consult with an attorney if you are unfamiliar with the Rules and the Laws of Debt Collection;

2) DO YOUR DUE DILIGENCE....research the debt collector on-line and learn all you can about their history of violations, the lawsuits that have been filed against them and the outcome of those suits;

3) FILE A COMPLAINT with both the Attorney General's Office and the Dept. of Business Regulation in your state, ( When numerous and similar Complaints are filed against one particular debt collector, the state and federal Regulatory agencies will be more inclined to take action against the offender(s);

4) DON'T believe anything a debt collector tells you on the phone! Their job is to do whatever it takes to convince you to send them money....they are professional LIARS and CON ARTISTS!

5) Check their business licenses and incorporation activities on-line, (In Florida, go to Sun-biz.org and see how many times they've "changed companies".

In Diversified Consultants, Inc.'s case, the record shows numerous filings of "new" corporations and subsequently, the dissolution of those same entities. For the record, several debt collection companies have tried to get money out of me in the past. NONE of them ever succeeded, MANY of them decided to "buy their way out of trial", and ALL of them wound up spending HUGE money on defense lawyers and the extensive costs of litigation! FIGHT BACK!!!!