Stop the Bully
Santa Clara,#2
Fri, August 28, 2009
These guys are graduates of a law school in San Jose. At the time of their graduation I don't even think the school was an acredited school, but I may be wrong. Lawyers who go to this school go there because they cant get accepted into a regular law school. They learn the same stuff there but very few of them can do real lawyer work. THey might as well have gotten their degree from a box of Cracker Jacks! Collection law firms are nothing but a bunch of bullys. They file lawsuits against debtors and hope for a default judgment so they can try to collect. Usually they don't even try the collection process (levys, garnishments, etc) because it is not cost effective. They just sit on the judgement and wait until you try to buy or sell some property. They are nothing but bottom feeders.
When they try to collect prior to filing suit, they are annoying but harmless. Ignore the endless calls and eventually they will usually go away. If they file a lawsuit and serve you, the worst thing you can do is ignore it. Answer the complaint and serve them with discovery. You can usually find some good information online on how to file an answer and prepare and serve discovery.
This happened to me about 10 years ago. I was told I had a $5000 debt. They filed suit, I answered the complaint and served them with discovery asking for proof of the debt. Of course they could not provide everything I asked for and could not respond to the discovery. I eventually negotiated a settlement with them and paid $250 per month for 3 months and wiped the debt out. (the actual debt was $3,800.00 and not the $5000 they said)
These guys don't really want to work and when you make them do actual lawyer work, they fold.
If you want it all to stop, find a GOOD bankruptcy attorney and file for bankruptcy.
Laurie
Haslet,#3Consumer Comment
Mon, December 22, 2008
If they started the call claiming to be an attorney's office - THAT IS ILLEGAL. YOU CAN SUE FOR THEM JUST FOR THAT VIOLATION! www.ftc.gov - Read Fair Debt Collection Practice Act www.budhibbs.com A Consumer Advocate website SPECIALIZES IN COLLECTIONS COLLECTION AGENCIES DO NOT WANT YOU TO KNOW ABOUT THIS SITE! It exposes all the illegal nasty tricks they use.
J G Shrugged
Austin,#4Consumer Comment
Mon, December 22, 2008
Did your company tell you not to apply because they hadn't paid or did the state deny your benefits for some reason? Did you get a W-2 from the company? Now the collection agency is just plain stupid. They have to get a judgment first to be able to garnish your wages, and even then, it's 25% of disposable earnings.
John
Niceville,#5UPDATE EX-employee responds
Mon, December 22, 2008
Do not contact this person. He doesnt care what you have to say except just to use in his vendetta against prosper. If he is on your loan he may even be stupid enough to try and sue you himself.
Xraider
Rancho Palos Verdes,#6Consumer Comment
Thu, August 14, 2008
There are a number of Prosper lenders who are following these lawsuits with interest, and would appreciate your providing us with more information. Please register at www.prospers.org (so you can post) and either post more details about what happened or PM me (xraider) with contact information. I may be able to help you, as well. I hope to hear from you, and wish there was a different way to contact you privately.
Keith
Los Angeles,#7Consumer Comment
Sat, July 05, 2008
Yep, I used to get weekly robot calls from this debt collection law firm. Think they were hired by nco. My supposed debt's 20-30 years old so not sure how/why a real law firm would even bother wasting their time & dime to call me. But they're hauling debtors all over the state to court - so they must be familiar with the states statutes. Anyway after contacting state AG in PA where NCO is based they stopped calling. Not sure why they would refuse your payment offer. weird.