Helpfuladvice
Nonya,#2UPDATE EX-employee responds
Tue, August 03, 2010
Be aware that PBC will VIOLATE your statue of limitations by sending in money to your account on your behalf ... if you make a payment, it will reset your statue of limitations on your account, and PBC is a dirty company that will send in a payment on your behalf to reset the statue of limitations so you're still liable. they also violate the hell out of the fdcpa, the manager Christopher Velasquez and Eric Brechbill had me personally violate FDCPA at least 3 times a day, and if you didn't violate, you were terminated for gross misconduct or something along those lines. This is a terrible company in every aspect, SUE SUE SUE!
Helpfuladvice
Nonya,#3Consumer Suggestion
Tue, July 14, 2009
A few thing. 1. I agree with one of the previous responses, ... read it before you sign it. 90% of people don't look at a contract when they sign it, which is why they get in so much trouble. 2. Call PBC, ask them for your letter. PBC did not generate this debt for you, you did that. They are just a 3rd party agency that was hired to collect it. If you paid it, they will give you a paid in full letter at any point in time, you just need to request it. 3. You may have gotten a settlement letter in the mail ... but you paid the debt before you got the letter, so that is just a missed opportunity. But on the other hand, if you are in the interest of protecting your credit, then you would have wanted to pay the debt in full anyway. So this isn't a situation where you got scammed. You just think you got scammed because you don't know any better. Call PBC, 18002709685, give them your social, and request a letter be re-faxed. Request it every day until you get it. Sometimes management is slow.
John
Louisville,#4Consumer Comment
Sun, October 28, 2007
SO stupid me ----------- No comment on that. Life rules: Don't sign ANYTHING until you read it. Don't sign any documents or co-sign any loans for boyfriends/girlfriends. By making a payment on this debt, you have validated it as legitimate and as your own. My first thought would for you to do a charge-back, but then this might make problems worse for you. For your future reference so you won't be burned again: Understand that you have rights under the Fair Debt Collection Act, which is a federal law governing the behavior of collection agents. Collection agents cannot take your firstborn child, nor can they send the sheriff to your residence to have you arrested if you don't pay them by sundown. ***Per the Fair Debt Collection Act you have the right to demand that ANY alleged debt be validated. YOU HAVE THIS RIGHT UNDER FEDERAL LAW SO ALWAYS INSIST UPON IT. If a bill collector calls you, YOU SHOULD FIRST ALWAYS tell them: "I am requesting that this alleged debt be validated per the Fair Debt Collection Act." Per federal law they MUST do this.... Even if you recognize that the debt that they are trying to collect on is real and valid, you should STILL request validation. This will give you 30 days to collect your thoughts and get a game plan in place. Get their address and mail a follow-up written request for validation. Mail it via Registered Mail with Return Receipt