Alpha Consumer

Debt Collectors Hounded Reader, Too

By Kimberly Palmer

Posted: June 20, 2008

After posting my item about dealing with debt collectors yesterday, I heard from another reader, Melissa from Alexandria, Va., with the same problem. A debt collector called and said she owed money to a health clinic. But the collector had the wrong person, albeit with the same, relatively common name. When Melissa explained that she wasn't the person who owed the money, she says the collector didn't believe her at first and was rude to boot.

Eventually, after multiple phone calls to the clinic, collectors, and her insurance company, she got the situation straightened out. Says Melissa: "The rudeness I encountered trying to simply get an explanation and an apology points out that there's something wrong with this industry."

Has anyone else encountered this kind of trouble?

fight and win

Using the fdcpa federal statutes you can rack up tens of thousands of infractions against debt collectors and get rid of your debt to boot here is a guy who has done it at least 6 times and taught people to do it almost 200 times successfully.

Michael Mirras in the 10/02/09 ruleoflawradio.com archives http://ruleoflawradio.com/archive/?paged=2 will give you a good start.Now go turn the tables on these jackals and kick their butts.

mac of WI @ Oct 13, 2009 21:19:40 PM

pressler

The reason they want to drag people into court is to pocket the money themselves it is a crime they are geting away with it and no one is steping up to stop them

johanna of NJ @ Oct 07, 2008 20:31:19 PM

Fight, folks! Fight, folks! This is our time..

Folks, it is time for little men and women to study some little laws so that we can be able to survive in a capitalistic world whose sole aim is to push us to homelessness, and our children to foster care. I am a poor little men but highly educated and a multiligual. I couldn't afford a lawyer when I received the summons, so I decided to defencd myself pro se. Its not a laughing matter, but will attest that I have become a half-baked "lawyer" specializing on matters at hand. I have been fighting for two months now awaiting trial, and I ain't gonna stop. First was the validation letter. They went mum. A few days before the erupse of 30 days, they send me interrogatories, which I fired back with my own version of interrogatories then spiced it up with Motion to dismiss. They send an apology letter for their interrogatories, but fired back with more than 20 FDCPA, FCRA, and my state laws violations. The court send a letter informing that my motion to dismiss will be considered during trial.Folks lets fight, because if we don't, these maniacs will buy any other debts and sue you. make the public library and the internet are your next love. Rehearse on all FDCPA and FCRA that affects your case. Report them to FTC, Bar Associations, attorney generals and all other relevant agencies. This is a war and we must all be on the frontline. Do not cow away.I am being told I am on the right path, but am hoping this will be true that day, because I will not stop there. The laws are on our side. make use of them. Do not fear. I am now my my own lawyer and I wish I can be able to represent somebody someday. They use our miseries to mercilessly enrich themselves. I settled with two others who, two years later sold the same accounts to other agencies. I got fed and said enough is enough. They look for nice people like me who settled earlier debts to squizze more using bogus and fabricated debts.No me this time. Iam the wrong guy. I fought a lion once, this aint nothing. Fight guys, dont give up. they like cowards and people who are ignorant of laws. Respond to all their claims.

Yo'han'ah of DC @ Sep 18, 2008 22:28:16 PM

Add Your Thoughts
About You

advertisement

Alpha Consumer

Alpha Consumer

Kimberly Palmer, senior editor for U.S. News & World Report, writes about how to save money, avoid scams, manage debt, and be a savvy shopper. Send your personal finance questions to her for expert money advice.


Alpha Consumer Podcast iTunes icon

advertisement

Best of Alpha Consumer

When Young People's High Hopes Create Despair

Twenty-somethings trying to replicate their parents' wealth get off track.

Life on $7 a Day

Buying in bulk and planning ahead are among the money-saving techniques.

Can You Afford a Baby?

If you're of a certain age and life stage, then you might be asking yourself: Should I have a baby? First, you may want to consider the costs.

advertisement

Subscribe

U.S. News Digital Weekly

A weekly insider's guide to politics and policy — in a multimedia, digital format. 52 issues for $19.95!

U.S. News & World Report

6 months of U.S. News & World Report's print edition for only $15. Save up to 67% off the cover price!