Alice
Eugene,#2Consumer Comment
Thu, February 15, 2007
I was called by L.H.R. back in January, and I knew I should have hung up on them immediately, but I wanted to know what this was all about. They were calling me about an old charged off credit card account that was the result of identity theft, so I had no intention of paying for it, because someone else got a credit card in my name and then ran it up and ruined my credit. I tried to explain this to the lady, and at first she acted like she was sympathetic and cared, and then she put me on hold, and then a supervisor came on the phone and started asking lots of questions about where I work and whether I own the home where I live, and then she started going through my credit report with me on the phone, and was saying how she noticed that I was able to pay my other bills, and then she noticed one credit card with a large available credit limit and she said that I should authorize them to charge the full amount due to that credit card. Otherwise she threatened to file a lawsuit against me and garnish my wages and put a lien on my house. She got a lot of information about me that I didn't want her to have. This is why you should never talk to debt collectors on the phone.
Steve [Not A Lawyer]
Bradenton,#3Consumer Suggestion
Mon, January 22, 2007
Melanie, The first thing is to STAY OFF THE PHONE!! NEVER speak to any debt collector on the phone! It will NEVER do anything positive for you, and will usually make things worse. Always communicate ONLY in writing, and by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your recored. This is very important as it proves what you sent. By the means above, immediately send a CEASE COMMUNICATIONS request. This is all it takes. Then when they violate it, you can sue them and get paid. This is all spelled out under the FDCPA which you can read at ftc.gov. You can also file a complaint online at that site. Don't get mad, get paid!
Steve [Not A Lawyer]
Bradenton,#4Consumer Suggestion
Mon, January 22, 2007
Melanie, The first thing is to STAY OFF THE PHONE!! NEVER speak to any debt collector on the phone! It will NEVER do anything positive for you, and will usually make things worse. Always communicate ONLY in writing, and by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your recored. This is very important as it proves what you sent. By the means above, immediately send a CEASE COMMUNICATIONS request. This is all it takes. Then when they violate it, you can sue them and get paid. This is all spelled out under the FDCPA which you can read at ftc.gov. You can also file a complaint online at that site. Don't get mad, get paid!