Screwed
Phoenix,#2UPDATE EX-employee responds
Sat, January 31, 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.
Fdcpaviolationswinner
Lockport,#3Consumer Comment
Sun, January 25, 2009
No words need to be spoken to the creditor or any 3rd party agency. Stay off the phone! Simply send a dispute and request for validation letter regardless of the size or nature of the debt in question.Make sure you say 'alleged claim', never admit in your validation request letter. Needs to be mailed WITHIN 30 days of date on initial dunning letter and always send it certified mail return receipt requested. As I said on other posts, whenever you pay a 3rd party agency, it gets credit reported as a 'paid charged off collections account' for an ADDITIONAL 6 years!That LOWERS your credit score and REAGES the debt for an extra 6 years as a derrogatory remark on your CBR. If you dispute within the initial 30 days governed by the FDCPA, 3rd party agencies CANNOT credit report the account. It will show as a DISPUTE which doesn't lower your score. Most likely the agency can't or won't bother trying to validate so it will show as a dispute. Consumers have NO INCENTIVE to pay a collections account. #1) The debt is reaged for an additional 6 years on your CBR as a derrogatory paid collections account. #2) When Equifax,Experian and Transunion no longer ding your 3 digit FICO score (roughly 350 to 850) for paying an old debt (reaging) but instead improve consumers scores by paying an old debt, I may change my tune on not paying a collections account. Again, lenders only care about your credit score (FICO) and income. Not 'morals.' Lastly, bill collectors NEVER tell a consumer/debtor that paying them will add 6 years as 'paid collections account' on CBR. They would never get paid if they did! Chargeoffs fall off after 6 years of chargeoff date OR last payment. If it's a small debt well under $1000, it will hardly ever see the inside of a court room. Just keep requesting validation from agency to agency to keep it reported as 'in dispute' on CBR within that initial 30 day window governed by the FDCPA upon receipt of first dunning letter. If they report it without validating upon receipt of your letter within 30 days, they are in violation of the Fair Credit Reporting Act. Naturally you can go after them in court for damages at that point. The green card returned to you after they sign off on, you can use as proof they acted in bad faith despite signing off on your validation notice certified mail return receipt requested within the 30 day window. Now lets say they successfully validate and take you to court. I'm not an attorney either. 1) In answering your summons and plaintiff/creditor questions, DENY EVERYTHING. The burden of proof is on them, not you.It's called GENERAL DENIAL. 2) File a notorized typed sworn denial letter with your courthouse clerk when answering a summons. Sign it when you give the letter to the clerk to notorize. Send a copy and all other paperwork certified mail return receipt requested to the plaintiffs attorney as well. The sworn denial statement is as followed. "I deny this is my debt and if it is my debt, I deny that this is still a valid debt and if it is still a valid debt, I deny the amount of the plaintiffs claim is correct." This ELIMINATES the plaintiffs sworn affidavit and forces the plaintiff to produce a live witness. 3) Demand Discovery and production of documents and requests for admissions. Specifics can be found in The Rules of Civil Procedure. The idea is to demand authentic paperwork from date the alleged debt was opened to every creditor who has been assigned and/or purchased the alleged debt. The idea is to break the plaintiff/creditors "chain of custody". Unless a creditor/plaintiff has immaculate record keeping from start to finish and doesn't mind racking up thousands in legal fees flying in live witnesses from every creditor who owned the alleged debt, the chances of your case being dismissed are much better. Attack their credibility in request for admissions as well. Make the judge see they are known violators of the FDCPA and FCRA to further attack the plaintiff/creditors credibility.Attack the live witnesses job description,whether they had knowledge of your alleged account at the time they owned it, if you had a signed contract with the creditor,etc. Again ,specifics are in The Rules of Civil Procedure.
Current Student
Phoenix,#4UPDATE EX-employee responds
Sun, January 25, 2009
I'm a former employee for URS. It's a tough, nasty job, but there is something folks seem to forget. You, as the card holder seem to forget, you agreed when you started to use the credit that Capitol One granted you to PAY IT BACK. I bet if you looked at your agreement, (yes, it was sent to you...did you read it?) nothing was said about forgiving your debt if the economy tanked. You, yes YOU, chose to live on this credit. No one twisted your arm to charge up your balance on this card. Yes, I agree that if you say is true, you should not be treated poorly, but you have to remember, you made a promise a long time ago to pay this debt back. Whose fault is it that you are now receving calls from URS. Think about it, if you gave a friend 1000 dollars and they then refusede to pay it bac, wouldn't you go to any lengths to get it back? You would be singing a different tune if that was the case. Grow up. Accept responsibliitly and make arrangements with this women you claimed is so hateful. No one wants to take you Christmas away from your kids. Maybe the best present you could give your kids is not the lastest toy, but the idea that they must learn to accept responsibility for their actions. How about instead of giving your kids the latesr toy, taking them down to the homelss shelter and teaching them to give back to those who have nothing.