Complaint Review: Phillips & Burns - New York New York

I am not sure what you are speaking of. My story i not phony and all my paperwork says Phillips & Burns so I am going to say yes they are who I sued and won. Yes they did have a "collection agency" sue me and win a judgment but all the paperwork still said to pay Phillips & Burns and they were sueing on their behalf so that is who I filed the violation against and won against. I must say I do appreciate your input but Phillips & Cohen is not who I sued I don't even know who they are. Now for you to lnow anything about it fully you would have to have my personal information that is not posted on here. There may very many processes you are familiar with but I know whose name was on my paperwork. I guess my question is if you are an ex employee why are you looking on here and responding are you still affiliated in some way or "just checking" on an old company to see what is out there? I am just curious myself.

or even before that, please register a complaint with the AG's office in Kansas. Debt collectors are not required to be licensed or bonded in this state and I, for one, have been lobbying for a change. I have only had one run in with a collector and that was several years ago. A very small amount (under $50.00) showed up on my credit report as a medical collection. Being a reasonable person, I went back and checked my records and found that the account had been paid in full when I had received a bill from the medical provider. I then talked to the collection agency to inform them of the error and was told me I must be "stupid" because I couldn't keep track of my "obligations". I called the broad every name in the book -- I wouldn't have done so if she had simply listened instead of refusing to allow me to talk. I then went through the process for removing the credit legally from my credit report. I got a letter from the medical provider apologizing for the error and a letter from the collection agency advising me that the information had been removed from my reports. I made a copy of the letter, wrote across the copy in red ink "Stupid is as stupid does" and mailed the copy back to the collection agency. If I ever have a run in with a collection agency again, I'm prepared. I have a recorder on my telephone and know the laws...and I have the email address of the Kansas AG's office in my address book.

Sorry Julie. You were either sued by Phillips & Cohen and sued them back for FDCPA violations or your story is completely made up. And yes, I am in a position to know.

IM SURE SOME PEOPLE ON HERE BUY YOU BS, DONT GET UPSET NOW THAT YOU HAVE NO MORE MATERIAL LEFT!

"BillColl01", In response to your most recent jibberish, I have to say that I don't "set up" or "scam" anyone. I don't have to. You see, MOST bottomfeeders are stupid , lazy, and arrogant. Therefore, they set themselves up for failure. Think about it. If they didn't break the law, I could not successfully make them pay. This is just common sense, but I know that is something you just don't have. The law is the law. If you don't like it, get it changed. Very simple. The abuses by bottomfeeders like you are rampant, and only when people like me get the word out on how to stop the abuses, will it ever change. You are just pissed off that I expose the dirty tricks of bottomfeeders and educate people on how to avoid them, and beat the collector at their own game. An educated consumer is the worst fear of the bottomfeeder. Knowledge is power, and you have neither. Just accept it. >> LEAVE IT TO STEVE TO ADD A SLEAZY COMMENT TO A GREAT STORY OF MAKING A COMPANY, ANY COMPANY, PAY FOR BREAKING THE LAW & VIOLATING SOMEONES RIGHTS. THE DIFFERENCE BETWEEN THE BUD HIBBS FOLLOWERS LIKE STEVE & REAL HUMAN BEINGS LIKE JULIE IS THAT HUMANS DONT HAVE TO SET UP PEOPLE TO SCAM MONEY. MY FAVORITE PART OF STEVES POST IS THAT HE MANAGES TO PAT HER ON THE BACK & INSULT HER IN THE SAME POST. STEVE, SHE SAID IN HER POST THAT SHE SAID 'I am a collector by trade. I know the law very well as I have to use it daily' AT THE END OF YOUR POST YOU SAID ' A bottomfeeder bites the dust and has to pay the debtor! That's the way it should be!' NOW THOSE OF US THAT READ YOUR VERY CREATIVE WORK KNOW THAT YOU CONSIDER ALL COLLECTORS TO BE BOTTOM FEEDERS. CAN YOU SAY HYPOCRITE? I CAN!! Billcoll01 MESA, Arizona U.S.A. >>

Just like BillColl1, I'm a collector too. If you are a true victim of FDCPA violations, then file your claim. I would. I owe debt like everybody else. Its wrong to say that you could have gotten her a 50% sif, if she didn't owe, why should she pay? Be careful with the laws, they can work for you or against you. If you do sif (settle in full) an account, get a letter faxed BEFORE PAYING to you stating that they will accept that amount. That will serve as proof that you paid. Check your CBR to see that it is updated.

TO ADD A SLEAZY COMMENT TO A GREAT STORY OF MAKING A COMPANY, ANY COMPANY, PAY FOR BREAKING THE LAW & VIOLATING SOMEONES RIGHTS. THE DIFFERENCE BETWEEN THE BUD HIBBS FOLLOWERS LIKE STEVE & REAL HUMAN BEINGS LIKE JULIE IS THAT HUMANS DONT HAVE TO SET UP PEOPLE TO SCAM MONEY. MY FAVORITE PART OF STEVES POST IS THAT HE MANAGES TO PAT HER ON THE BACK & INSULT HER IN THE SAME POST. STEVE, SHE SAID IN HER POST THAT SHE SAID "I am a collector by trade. I know the law very well as I have to use it daily" AT THE END OF YOUR POST YOU SAID " A bottomfeeder bites the dust and has to pay the debtor! That's the way it should be!" NOW THOSE OF US THAT READ YOUR VERY CREATIVE WORK KNOW THAT YOU CONSIDER ALL COLLECTORS TO BE BOTTOM FEEDERS. CAN YOU SAY HYPOCRITE? I CAN!!

The bottom line here is that we all need to hold bottomfeeders accountable for their actions. Julie did the right thing, and she won. A bottomfeeder bites the dust and has to pay the debtor! That's the way it should be! I love to see this. It just made my day! Thanks Julie!

The bottom line here is that we all need to hold bottomfeeders accountable for their actions. Julie did the right thing, and she won. A bottomfeeder bites the dust and has to pay the debtor! That's the way it should be! I love to see this. It just made my day! Thanks Julie!

The bottom line here is that we all need to hold bottomfeeders accountable for their actions. Julie did the right thing, and she won. A bottomfeeder bites the dust and has to pay the debtor! That's the way it should be! I love to see this. It just made my day! Thanks Julie!

The bottom line here is that we all need to hold bottomfeeders accountable for their actions. Julie did the right thing, and she won. A bottomfeeder bites the dust and has to pay the debtor! That's the way it should be! I love to see this. It just made my day! Thanks Julie!

Well I am just figuring out how to work on this board. Thank you for all your useful comments. I did admit the bill was mine and was already in payment plan with creditor who bought it when P & B violated FDCPA. Thank you Bart for your all caps first response about knowing the law. I could not pay the full amount and I let them knwo that. I told them I could pay two payments and it would be paid off in 3 weeks half that day and the other half two weeks later. They would not accept it. I sent payment on my plan and showed proof of the plan to P & B. They sued me anyway I had already paid it off by the date of court. They lied and said they owned the debt and what ever I paid before was for something else. They had done third party disclosure for one and 3 other FDCPA violations. I am a collector by trade. I know the law very well as I have to use it daily they violated it period. I did what I was supposed to do so there is no lesson as posted except not to trust this company period. I finished my suit and yes I learned a lesson because I got all the money they took from me in the process for garnishment and I won damages in excess of $10,000 for the judgment damage they did to my credit. This is in addition to the lawyer fees and $1000 per violation which came to a total in my pocket of $15,000. I am an advocate of sueing if someone does wrong but even when I knew they violated if they had paid attention to me when I stated I had a payment plan and if they would validate who I was to pay I would have taken care of it. Even after I sent the proof of payment they moved forward after that so did I.

there, caps locks off, happy? the problem with the settlements gone wrong on here is lack of paperwork. if a bank or agency sells a settled debt, you can sue that bank. i dont take anyones word for anything. i get a settlement offer & a have settled letter after the fact & i have my clients send all funds via western union to avoid any "glitches". a person should keep a file of financial records. most people that have bad credit, have it because they tend to make poor personal business decisions. such things as not keeping records, not negotiating prices, not shopping around before committing to a contract, not reading the terms & conditions before signing & the biggest that i see now are people that had teaser rate mortgages & never prepared for the day the teaser ends or ended. most of my current clients had teaser rates & just spent credit like that low payment was going to last forever. here they are, going from 3.5% to 7-8% & they have all kinds of big ticket items to pay for. this is why debt settlement companies & cccs type companies dont work, the consumer learns nothing about how to avoid problems in the future. I dont blame the consumers. i blame parents & the public school system for not teaching teens about credit & being a good consumer. i think there are things that could be cut to make room if need be. in closing, a few people on here seem to think i champion the collection agencies, but what i do is look at it from a neutral prospective. the agencies have a right to try to collect the money & the consumer has the right to not pay. there are a few people on here advocate pulling what basically amounts to a slip & fall scam on debt collectors just trying to do their job. thats wrong!

Go to www.budhibbs.com There is a link to find attorneys who sue third party collection agencies If the debt was out of the Statute of Limitations then do not get mad get even Stacey

It just gets passed on to the next one in a sale for the balance and you know it. Look at all the reports about those that "negotiated" for less only to be hit by another bottom feeder for the balance. Sure the people they originally "negotiated" with aren't trying to collect as promised. You are just full of misinformation. And why do you always yell it those that are potential clients? For that matter, why are you yelling at me for no reason? I made statements in a reasonable manner.

THIS PERSON DIDNT SAY ITS NOT HER BILL OR THAT SHE DOESNT OWE THE BALANCE, RATHER THAEY WOULDNT TAKE WHAT SHE DICTATED. MOST CREDITORS WILL SETTLE & MOST OF THOSE CREDITORS ARE WILLING TO DELETE THE ITEM FROM THE CREDIT REPORTS! JUST LIKE ANYTHING ELSE IN LIFE, IT TAKES NEGOTIATION. THE LEVERAGE IN THIS TYPE OF NEGOTIATION IS THAT IF THEY DONT AGREE TO A DELETION, THAT THEY WILL ONLY RECOVER THE 5%-25% THAT THEY WILL GET FROM A DEBT PURCHASER. THEIR AMMO IS THAT IF THEY SELL THE DEBT, IT WILL DOUBLE THE DAMAGE TO THE CREDIT. IT COMES DOWN TO WHO WILL BLINK 1ST. THE BANKS ALMOST ALWAYS DO IF YOU DONT 1ST! I HAVE ABOUT A 50% SUCCESS RATE WITH DELETIONS AS A CONDITION OF A SETTLEMENT OR PAYMENT IN FULL. ITS EVEN BETTER IF DEALING WITH SMALLER COMPANIES LIKE MAIL ORDER HOUSES. THE THING ABOUT LIFE IN THE NEW MILLINIUM IS THAT EVERYTHING IS NEGOTIABLE.

would they want to be yelled at constantly? And there is no way that you get them a 50% reduction. They would just sell the remaining 50% to another agency if not sued on their own and you know it. Why would they "settle" for 50% when someone is basically then admitting to owing the whole thing. Nice try. People have a right to stand up against the abusers of the FDCPA. It would also seem that there is another violation of being served purposely at a known bad address but the OP would have to clarify that one for us.

IF YOUR GOING TO PLAY DIRTY ON A DEBT, MAKE SURE YOU KNOW WHATS LEGAL & NOT. NEXT TIME, TRY NEGOTIATING. NOW YOU HAVE THE ORIGINAL BAD DEBT & A JUDGEMENT ON YOUR CREDIT REPORT. SOMEONE LIKE ME COULD HAVE GOTTEN YOU OUT OF THE DEBT FOR 50% & A DELETION!

IF YOUR GOING TO PLAY DIRTY ON A DEBT, MAKE SURE YOU KNOW WHATS LEGAL & NOT. NEXT TIME, TRY NEGOTIATING. NOW YOU HAVE THE ORIGINAL BAD DEBT & A JUDGEMENT ON YOUR CREDIT REPORT. SOMEONE LIKE ME COULD HAVE GOTTEN YOU OUT OF THE DEBT FOR 50% & A DELETION!

IF YOUR GOING TO PLAY DIRTY ON A DEBT, MAKE SURE YOU KNOW WHATS LEGAL & NOT. NEXT TIME, TRY NEGOTIATING. NOW YOU HAVE THE ORIGINAL BAD DEBT & A JUDGEMENT ON YOUR CREDIT REPORT. SOMEONE LIKE ME COULD HAVE GOTTEN YOU OUT OF THE DEBT FOR 50% & A DELETION!

IF YOUR GOING TO PLAY DIRTY ON A DEBT, MAKE SURE YOU KNOW WHATS LEGAL & NOT. NEXT TIME, TRY NEGOTIATING. NOW YOU HAVE THE ORIGINAL BAD DEBT & A JUDGEMENT ON YOUR CREDIT REPORT. SOMEONE LIKE ME COULD HAVE GOTTEN YOU OUT OF THE DEBT FOR 50% & A DELETION!