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Anyone ever try a credit repair expert?

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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3235



2257 Magic Points
 
 Posted on Sun Sep 07, 2008 2:52 am  
I would be pissed if I finally got them to stop calling and then some relative gave them my number to get it all started again, did someone do that to you fireyone?
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
Guest







 
 Posted on Sun Dec 21, 2008 4:25 am  
sometimes they will continue to call them even if they don't know who you are.
 
Guest







 
 Posted on Sun Dec 21, 2008 4:26 am  
why would they continue to call relatives
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1127



1045 Magic Points
Subject: credit
 
 Posted on Sun Dec 21, 2008 5:03 am  
I would say if CA's, CC companies, etc, are calling relatives, they are breaking the 'Privacy Act.' Ya know????,,,,,WHOEVER the collector happens to be, they don't care WHO they call, they just want their money and try and 'go about it' illegally.
 
Doc

Doc

Joined: 02 Dec 2008
Doc's page
Posts: 108
Location: McKinney, TX


1620 Magic Points
 
 Posted on Sun Dec 21, 2008 5:39 am  
They are allowed to contact third parties, until they have ascertained your whereabouts. Immediately upon doing so, they have no further reason to contact the third-parties, and shouldn't.

At no time should they ever disclose that they are debt collectors, or that they are attempting to collect a debt. That is a violation of federal law...
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1127



1045 Magic Points
Subject: credit
 
 Posted on Sun Dec 21, 2008 1:43 pm  
I had a loan with Cash Call, at one time. When I was late on payments, they DID contact me ...obviously they DID know my whereabouts. However....they contacted my References and a relative of mine. Cash Call told the references/relatives all of my 'business' with them. I think that was a violation of the HIPAA.............don't you?
 
Doc

Doc

Joined: 02 Dec 2008
Doc's page
Posts: 108
Location: McKinney, TX


1620 Magic Points
 
 Posted on Sun Dec 21, 2008 2:16 pm  
It is a third-party disclosur, which is a violation, but unless the bill was medical, HIPAA was not an issue...
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1127



1045 Magic Points
Subject: credit
 
 Posted on Mon Dec 22, 2008 7:23 pm  
OH YEA!!!..when Cash Call called 'references', relatives, etc., they DID tell them everything about my 'account' with them. EVEN WHEN THEY KNEW WHERE I WAS!!!! ...after they had contacted me, themselves. Could I have done anything..about them calling others, when they knew my whereabouts?
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 3249



1340 Magic Points
 
 Posted on Tue Dec 23, 2008 12:37 am  
Sd chargers if this was recently and you have relatives to verify they did this you could try and go ahead with a suit. It takes people stepping up to the plate in order to get these type of collectors in there place. It is a violation when the discuss the details of an account with family members. I have one to this day that calls my brothers house. Never used him as a reference but think they were pulling numbers with the same last name to get my number. They only thing they left was a message saying they were a law firm and needed to speak with me immediately. after a while they quit but when it is sold they start again..maybe if you sued you could end yours once and for all.
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1127



1045 Magic Points
Subject: credit
 
 Posted on Tue Dec 23, 2008 10:28 am  
No, FIREYONE..it wasn't recent;y. This was the beginning of LAST year, sometime. Was it Cash Call you were having trouble with? That 'pulled names with the same last names? Is that what CA's do....get last names ( somehow) and numbers that were never given to them?
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 3249



1340 Magic Points
 
 Posted on Tue Dec 23, 2008 11:22 am  
I actually believe it was but many of the creditors will do this. After recieving a million calls for the other couple who use to have this telephone number I actually ran into a few who were willing to talk and give some of the collecting details. They use top of the line skip tracers which tell them what name the number they are calling is listed under. This they say iks because so many people will say that they reached the wrong number. They also say it is normal practice to pull numbers with the same last name in attempt to reach a relative of the person they are trying to reach so they may get a new number for them.
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1127



1045 Magic Points
Subject: credit
 
 Posted on Wed Dec 24, 2008 4:35 am  
"..normal practice to pull numbers with the same name.."...........correct me if I'm wrong, but......isn't this 'invading the privacy' of those NOT involved? Can ya 'see my point'?
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3235



2257 Magic Points
 
 Posted on Wed Dec 24, 2008 3:05 pm  
sdchargers are you still dealing with them? What ever happened with that account, if you don't want to put it out here, you can pm me.

They are viscious and don't care about the laws
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1127



1045 Magic Points
Subject: credit
 
 Posted on Sat Dec 27, 2008 11:18 am  
Sure..!! I'll 'put it out there'..LOL Well........Cash Call 'sold' my account to a CA ( Global Acceptance). I just got into some 'financial' problems and couldn't make he payments with them, either. When I DID call Global, I told them I could make a 'partial payment' ( % payment, etc.) however, they said they "don't accept patial payments." Yep...this account is on my CR. But..........I can send them alittle bit at a time. Just kind 'stuck' on what to do to try and remove this debt from my credit.
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 424



10960 Magic Points
 
 Posted on Mon Dec 29, 2008 10:59 am  
It is very difficult to remove this negative listing from your credit report until and unless you pay off the debt in full. Now since they are not willing to accept the partial payment, you can negotiate for a repayment plan to pay off the debt. Now since the debt has already been sold off to the collection agency by the original creditor, the Original creditor listing will stay in the credit report for seven years. However, you can remove the CA listing if you can come to a PFD agreement before you pay off the debt.
 
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