Complaint Review: United Recovery Systems LP On Behalf Of Best Buy Reward Zone Mastercard - Houston Texas

No matter what our hopes and dreams are for our lives, we ALL know that things don't always work out the way we hoped they would. I am a perfect example of this. I lost my job of 10 years and was unable to find work for a while. Befor elosing my job, I was the person that sat down and paid EVERY bill for the month the day I got paid. We were paid once a month. In almost 40 years of paying bills, I'd never missed a one for anything! NEVER. Believe me, I felt enough shame for twenty people when I became unable to pay my bills. So the LAST thing I needed was for some punk to call me up insulting me at every turn without knowing one single thing about my situation. All they accomplished with me was to make me very angry! I started recording our phone conversations and I learned to start out any conversation with them stating that I was going to do so! It was amazing how fast they changed their attitude!!!!!

So here's a little insight for the folks here that seem to have little or no compassion for others that aren't doing too well in the money department:

1. Not all people that get into debt are deadbeats. Medical problems, deaths in the family, job layoffs, etc. can all contribute to someone falling behind in payments.

2. Don't for an instant think that it will NEVER happen to you! It can.........

3. You catch more flies with honey......... most (not all) of the people you talk to are suffering. Kindness goes a long way in getting these things settled. I know it did with me. One guy called me up threatening all kinds of things on my voice mail. I called the originator of the debt, played the voice mail for them and then asked if this was the kind of representation they wanted. My call was returned with a settlement.payment plan we could all live with.


Advice for those in debt - make an offer. It will be considered by those you owe the debt to.

That's all for now.......

the banks got bailed out, now its our turn.

When United Recovery Systems successfully wins a default judgment in Civil Court is the first and only time you are entitled to your money. Until then, anything said is hearsay on any "alleged account" in your office. The burden of proof rests with your company, not Joe Debtor. Get that through your head!

You missed the point. You have all of these great ideas on how to get around URS and the calls. What you seemed to forget is that the bottom line is the folks who are receiving calls from URS OWE A DEBT. Yes, that's right, if URS is calling you, that means YOU have not paid on an agreement you made with a credit card company. YOU agreed when you received the credit card to the terms and conditions on the card (did you read that when you received it??) YOU took the card and purchased whatever (TVs, presents, gas, etc, etc, etc). Now you for whatever reason cannot/will not refuse to pay the amount you spent. Forget about all the crap that our NY friend is dishing out. BOTTOM LINE: Did you or did you not accept the credit card, proceeded to use it, and now refuse to pay? Pay what you promised and you won't have to worry about calls or all of the avoidances that NY offers. Careful of idiots like NY...he/she admits they're not an attorney. That means they don't know squat about what they are telling you...otherwise they would step up to the plate and give you their name and phone number so you could call them to get "help". Don't dig yourself any deeper than you might already be.

You missed the point. You have all of these great ideas on how to get around URS and the calls. What you seemed to forget is that the bottom line is the folks who are receiving calls from URS OWE A DEBT. Yes, that's right, if URS is calling you, that means YOU have not paid on an agreement you made with a credit card company. YOU agreed when you received the credit card to the terms and conditions on the card (did you read that when you received it??) YOU took the card and purchased whatever (TVs, presents, gas, etc, etc, etc). Now you for whatever reason cannot/will not refuse to pay the amount you spent. Forget about all the crap that our NY friend is dishing out. BOTTOM LINE: Did you or did you not accept the credit card, proceeded to use it, and now refuse to pay? Pay what you promised and you won't have to worry about calls or all of the avoidances that NY offers. Careful of idiots like NY...he/she admits they're not an attorney. That means they don't know squat about what they are telling you...otherwise they would step up to the plate and give you their name and phone number so you could call them to get "help". Don't dig yourself any deeper than you might already be.

You missed the point. You have all of these great ideas on how to get around URS and the calls. What you seemed to forget is that the bottom line is the folks who are receiving calls from URS OWE A DEBT. Yes, that's right, if URS is calling you, that means YOU have not paid on an agreement you made with a credit card company. YOU agreed when you received the credit card to the terms and conditions on the card (did you read that when you received it??) YOU took the card and purchased whatever (TVs, presents, gas, etc, etc, etc). Now you for whatever reason cannot/will not refuse to pay the amount you spent. Forget about all the crap that our NY friend is dishing out. BOTTOM LINE: Did you or did you not accept the credit card, proceeded to use it, and now refuse to pay? Pay what you promised and you won't have to worry about calls or all of the avoidances that NY offers. Careful of idiots like NY...he/she admits they're not an attorney. That means they don't know squat about what they are telling you...otherwise they would step up to the plate and give you their name and phone number so you could call them to get "help". Don't dig yourself any deeper than you might already be.

I recently explained how this agency can be easily baited into FDCPA violations in a recent post on this very same company. Posted about a week ago. This punk kid had nothing to say to my advice other than "grow up and pay your bills." Typical reply of a commissioned bill collector making chump change and most likely overstepping FDCPA guidelines to make a few dollars in commission. I've beaten collection suits as a pro se defendant and have settled FDCPA violations with numerous compliance directors of agencies like this monetarily. I hope one of my accounts lands here since it will be another easy way to "supplement my income." To start, ALWAYS send a debt validation request letter(dispute letter) WITHIN 30 days of their initial dunning letter.Say "alleged account", never acknowledge owing it. Send it certified mail return receipt requested.Most likely they won't bother responding and return it to the creditor. OR, they may continue to call. If they call after you receive your green card with their signature of receiving your letter including the date they signed it,they are in violation of the FDCPA without first validating it successfully. Secondly, if you want to bait these people, your voice mail is your friend.Stay off the phone! It doesn't matter if you are a one party or two party state for taping calls. Voice mail messages DO NOT require consent to tape and are treated as 3rd party communication/disclosure.Guarantee one of their overzealous kids making chump change will make implied threats that are illegal (this is a legal matter,etc), false sense of urgency (URGENTLY need to respond in 24 hours) and misrepresenting themselves as attorneys or attorney (legal) assistants on voicemail. Also, if they call your job, all you have to do is verbally say you cannot receive calls at work. Have a 3rd party coworker tell the collector this. Why? Many knucklehead collection employees have GED's who wear ankle bracelets and can't read at a 6th grade level let alone understand that a debtor doesn't have to tell them to stop calling at POE. Whenever it is advised by the debtor OR employee verbally they can't receive calls,calls to POE must stop. Otherwise,another FDCPA violation. The Statute of Limitations. It's an AFFIRMATIVE DEFENSE in court if you are ever sued. If the date of chargeoff or date of last payment is beyond your states statute of limitations, the debtor can simply bring it up as an affirmative defense. The case will be automatically dismissed and you can countersue by telling the judge the plaintiff acted in bad faith suing on an account they KNEW was beyond your jurisdictions statute of limitations. As well, I'm not an attorney and this should not be taken as legal advice nor shall I be held liable to any advice used by readers here. If you are served a summons, DENY EVERYTHING in your answer to the summons. The burden of proof is on the creditor, not you. Also, file a typed and notorized SWORN DENIAL LETTER. Make sure you don't sign it until you are in front of the notory clerk at the courthouse.Send a copy to the plaintiff with other paperwork CMRRR. Sworn Denial letter eliminates the plaintiff/creditors sworn affidavit and forces a live witness to testify the authenticity of their paperwork in their claim. Sworn denial is a graduated denial that states "I deny this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount of the creditor claim is correct." You can attack the witnesses through Discovery and Production of Documents and Requests for Admissions.Include these with your answer and sworn denial in filing and sending to plaintiff CMRRR as well. I ALWAYS recommend a consumer defense attorney as opposed to going pro se as most don't have the time or knowledge to know how to format these legal forms that consumer defense attorneys do. I personally like the challenge of going pro se and have had one creditor withdraw their suit because my discovery demands couldn't be met. The other one was dismissed because I broke the creditors "chain of custody" by having their witness admit to having paperwork that lacked authenticity and itemized accuracy. The goals of discovery are to attack the witnesses credibility. Demand they give detailed job description,length of time on the job, if they were aware of your alleged account at the time it was with them,any signed contracts,itemized balances from inception of debt to present,etc.Again, I advise people to hire a consumer defense attorney first. If you can't, look up your jurisdictions rules of civil procedure to properly format these legal forms. Sometimes the clerk will give you the forms themselves. Back to the young man "Screwed" whose response is "grow up" like some cocky self righteous punk. Do you tell every debtor that pays you their account will be reaged for another seven years on their credit bureau report as a derrogatory collections account causing a drop in one's FICO score? I bet you never did. If you did, no one would pay you. Also, consumers who are nearing or past their states statute of limitations are hurt the worst by paying these scumbags. Again, chargeoffs or date of last activity is only credit reported for 7 years. If you go 4 years without paying and pay these scumbags, your account will stay on your CBR now for ELEVEN years through the reaging of your 4 year old debt by paying and making the debt look current.REAGING again will lower your credit score. When a bill collector tells you paying them helps your credit, they are 110% FULL OF CRAP for the reasons I just explained in this paragraph. TIME (inactivity for 7 years) is the only cure to a chargeoff. PAYING extends it 7 years! Also, settling for over a $600 savings is a double whammy. Any debt settled for over a $600 savings has to be reported to the IRS as "unearned income" on one's taxes as you'll get a guaranteed 1099 form in the mail come january of 2010.If you settle a 20K debt for 5K, you MUST claim 15K as "unearned income" on your 2009 taxes next january-april 15th (whenever you file 2009).

What everyone who is complaining about URS forgets is that YOU used the credit that was issued to YOU by a credit card company. When YOU accepted the credit card you were sent the terms and conditions of use. Did you read these terms and conditions? I ask you to show me proof that your agreement with the card company stated that if things got rough (economy, unemployment, medical issues, etc, etc, etc) you did not have to pay the money the company extended to you. YOU gave your word to the credit card company that you would/could use the extended credit and you would pay it back according to the terms and conditions. If you are getting calls from URS means you have failed to pay back any money you borrowed for at least 4 months (usually 8-10). Did you think you could run up debt on the card and ignore it for months and it would be forgiven? The members of URS job is to make a new agreement with you to pay back the money you borrowed. As with any business, at times there are employees who don't follow the rules, but I know for a fact (I'm a former employee) that ALL calls are monitored and ANY abuse, harrassement to the card member is NOT tolerated and employees who use these tactics are IMMEDIATELY terminated. Bottom line, grow up. Be an adult and step up to the plate and pay your bills. Quit whinning about your situation. You are not unique, many folks are going through tough times right now but a majority continue to honor their word and pay their bills.

YOU CAN SUE THEM Read about them and learn what to do about it www.budhibbs.com

You did the right thing by hanging up on them and refusing to give your account#s. I would of told them to kiss my a-- and then hang up if they call again pick up the receiver and hang up or if you have a speaker phone and a hold button answer with by pressing speaker button but do not say anything then press the hold button keep doing this everytime they call . If you have caller Id and the 3 shows up talk to your phone company about blocking their #s from calling you