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information on kingman cole and associates

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StephCA



Joined: 19 May 2009
StephCA's page
Posts: 4



166 Magic Points

Subject: This is Guest Stephan,
 
Posted on Tue May 19, 2009 4:53 am  

I just created a account here, so I could keep up with this, I am having problems right now with them, so I can help to fight this crazy company !!!
rachael



Joined: 11 May 2009
rachael's page
Posts: 233



6576 Magic Points

 
Posted on Tue May 19, 2009 5:47 am  

Hi Stephan,

The first thing you should do is ask for debt validation (DV). You will find a sample of a DV letter if you visit the following link: http://www.creditmagic.org/repair/sampleletter-debtvalidation.html . Send the DV letter through certified mail with a return receipt requested. You must retain copies of the DV letter. Kingman Cole and Associates should validate the debt within 30 days after receiving your DV letter.

Also check whether the debt is within the Statute of Limitation (SOL) period. If the SOL period has expired, and you make any payment it will restart. But if the debt is within the SOL period and the collection agency is able to validate your debt, try for a debt settlement. Try to negotiate on a amount that is 40-60% less than the actual debt amount. You should request a written agreement from the CA, before making any payment. The agreement should state, that the debt account will be removed from your credit report, once you have made the payment.
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StephCA



Joined: 19 May 2009
StephCA's page
Posts: 4



166 Magic Points

Subject: The only thing is ........
 
Posted on Tue May 19, 2009 5:53 am  

There is no debt, I do not owe HSBC anything , I called them directly, this case was closed since 2004, Google Kingman Cole and see what happen it is crazy they try to scam the whole America, I was saying I can help to shut this comapny down, they are total SCAMMERS, they need to be stopped !!!! there is no debt to pay, they use the HSBC credit card I had 7 years ago, and it is paid, they have the Credit card number, but it was one number off, they tried to collect $1500 from me, I am going to do anything I can to stop their crap, so I need all the people against them to help me out !!!!, I will not give up I am a real Gemini !!!!
matchinwits
Guest






Subject: Kingman Cole and Associates
 
Posted on Tue Aug 11, 2009 5:15 pm  

I have been trying to contact Kingman, Cole and Associates for three weeks now, to no avail. I have emailed and called. For three weeks, their main number has had a recording that says the person at such and such extention is not available. You are allowed to leave a message, but don't expect any one to call you back. In addition, I made arrangements with them to draft my checking account every month for a credit card debt they were handling. We agreed that they take the money from may account on the first of each month. They have taken it as early as the 29th, and as a result of them violating our agreement, I have been charged at least two overdraft fees. Now because of the inability to contact them, I have closed my checking account to stop the automatic drafts. Do not send these bloodsuckers a dime. Contact the company with whom you have a debt and ask to deal directly with them. My advice would be to stay away from Kingman Cole and Associates!
StephCA



Joined: 19 May 2009
StephCA's page
Posts: 4



166 Magic Points

Subject: Kingman Cole
 
Posted on Tue Aug 18, 2009 4:15 pm  

I received a letter from them, then came here and found out this company was a scam, they told me they would sue me aswell, I then after a visit to this website, never replied to them, and I never received anything after that, I think if you ignore them , they go to the next victim.....
Julie
Guest






Subject: Isnt it illegal?
 
Posted on Wed Sep 22, 2010 10:37 am  

@Gapeach

I thought it was illegal for someone to threaten to sue....

These same ppl called a friend of ours. I dont know how they got their number, but they called for my bro. Was releasing my bros info and saying my bro is about to go to jail bc they are gonna report it to the sherriffs dept. But I believe they have to be a secured creditor in order to fall into the category or hendering a secured creditor. Which they arent, bc my bro owes for overdrafting with a debit card and he didnt put anything up as collateral for the bank. HA! With this rude as* collector, he shouldnt expect sh** from my bro.
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: illegal by FDCPA
 
Posted on Wed Sep 22, 2010 12:00 pm  

HI Julie,

If it is collection agency and if they have threatened you or used abusive languages they have violated Fair Debt Collections Practices Act (FDCPA).

Quote:
These same ppl called a friend of ours. I dont know how they got their number, but they called for my bro. Was releasing my bros info and saying my bro is about to go to jail bc they are gonna report it to the sherriffs dept.
This is violation of FDCPA too. Thus, you can file complaints with the Federal Trade Commission and your State's Attorney General.

Thanks,

Aaron
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