What are some tactics that collection agencies have used on you to try and get you to pay? I have listed below a few that have been used on me.
1. Threat: They threaten to sue, they threaten to take you to court and take your possessions or your money, they say that once they get a judgement against you that they can take your money out of your bank account.
What you can do:
* If you get a summons, make sure that you show up, if you don't they will win by default, so at least make the effort, first answer the summons and then show up on the court date so that you can be involved in the action. It may work out in your favor.
2. They threaten with jail or arresting you.
What you can do:
*Educate yourself, there is no debtors prison, you can not be arrested or jailed for debt.
3. Make you life a living hell by discussing your personal business with a third party.
What you can do:
* Know the law, this is illegal, document and sue them for breaking the law in this action, you could possibly win $1000 per incident.
Please add to this list with what debt collectors have done to you to try and get money out of you.
Oh my, this should be a good topic to discuss, there will probably be some good discussion here.
I have had a collector one time used to come to my house like monthly for a $10 payment, he spend more on gas and time to come out to the woods to collect it, it was just ridiculous. He was always very nice, but I thought this was just nuts.
I've had collection agency threaten to take out a lien against my house.I was aware that the SOL was nearing on the account, so i waited it out. Once the SOL was up the letters and phone calls stopped.
Good for you fasfeed, you got one up on them, they will pull all kinds of crap to try to get you to pay.
They know that they are violating the hell out of the laws too and they do not care, they are unbelieveable.
Yeah they're fun to deal with aren't they? lol...i had one tackle me for the longest time though no threats as of yet for $169 overdue target account. i'm working the logistics of that out now, BUT i think for a good 6 months a collection company was relentless calling every single day multiple times and from multiple numbers across the country. guess they figured i'm not answering! oddly enough the numbers that registered on my caller idea wouldn't leave a message, but the 'unknown' numbers would leave a message. I found out that all these numbers were from the same company. they don't like sites like this where we can educate ourselves. it was because of this site that I did not negotiate with them over the phone! once you're on the phone they're very good at getting you to give your bank account info. something that i will not do over the phone with any company
LVNV tactics in a nutshell
LVNV purchases junk debts. Then they sent them to their 'affiliates' to collect. When you DV one affiliate, they don't reply & send it on to the next. This is their scam to bump up 'interest'.
When you call them on their failure to legally validate, they reply that they
(LVNV) isn't a CA, they're a factoring company and are not subject to FDCPA and don't have to validate.
This is false, even though certain states in which they incorporate don't know the difference. The difference is, Factoring companies purchase 'active accounts'. JDB'd only purchase
defaulted or charged of ones.
All points of this argument was repudiated in the case Maloney vs. LVNV
they're a 'junk debt buyer.'
The above is what I've ascertained from credit chat boards and internet
searches and is only my opinion. (I'm not a lawyer but I've sued CAs and
won.)
Thanks for sharing your experience OggBogg. LVNV is a rip-off. I did not find iton the BBB as well.
credit
Some of my bad debts 'fall off' this year..around Sring and Summer time. SOL will be up on them. Which..I know, will bring my Credit Score up. If the Law said people would have to go to jail for debts, I would be there a ZILLION years!! LOL Slowly, but, surely, working on my credit and getting out of debt.
heard of this tactic?
Has anyone heard of a collection agency using the story of a friend or relative's 'lost' pet? The person calling was looking for a person who, apparently, lost their pet and this individual was trying to find the owner so the pet could be reunited with it loving owner. This message was left on my answering machine as well as on my mother's machine. The request was that I call this number and reference a 'location' number.
I'm presuming that the caller knows people will respond to a lost pet and try to help.
So far, I haven't responded and don't intend to.
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