Have a question about debt collection

[starting over]

What is the name of your state (only U.S. law)? Florida

My niece called & told me that she was late on her car payment by 1 1/2 months. On Friday, she caught the payments up to date. Today, she received a VM message stating the following: You F****B****, I don't care if you are asleep or not, you need to pay you F***ing bills.

At the end of the message she again was referred to as a F*** B***. The account is with Regional Acceptance, Im not sure if that matters.

This has got to be some sort of violation of the debt collection practices, isn't it? If it is, who should this be reported to? Like I said, it was a voicemail message & it has been saved. Any advice would be appreciated.

 

[TigerD]

What is the name of your state (only U.S. law)? Florida

My niece called & told me that she was late on her car payment by 1 1/2 months. On Friday, she caught the payments up to date. Today, she received a VM message stating the following: You F****B****, I don't care if you are asleep or not, you need to pay you F***ing bills.

At the end of the message she again was referred to as a F*** B***. The account is with Regional Acceptance, Im not sure if that matters.

This has got to be some sort of violation of the debt collection practices, isn't it? If it is, who should this be reported to? Like I said, it was a voicemail message & it has been saved. Any advice would be appreciated.

You need to ask her who else she owes. That wasn't a debt collector. That would be a personal debt perhaps to someone she bought drugs from. And, yes, I would advise she pay it before they break something.

DC

 

[cosine]

You need to ask her who else she owes. That wasn't a debt collector. That would be a personal debt perhaps to someone she bought drugs from. And, yes, I would advise she pay it before they break something.

DC

So you are saying that Regional Acceptance is doing collections for drug dealers? Wow, they have stooped lower than even I could have imagined.

 

[cosine]

My niece called & told me that she was late on her car payment by 1 1/2 months. On Friday, she caught the payments up to date. Today, she received a VM message stating the following: You F****B****, I don't care if you are asleep or not, you need to pay you F***ing bills.

At the end of the message she again was referred to as a F*** B***. The account is with Regional Acceptance, Im not sure if that matters.

This has got to be some sort of violation of the debt collection practices, isn't it? If it is, who should this be reported to? Like I said, it was a voicemail message & it has been saved. Any advice would be appreciated.

File a complaint with the telephone company to have it on record that she is receiving harassing phone calls. That won't necessarily stop them. It's just a start of a process that can help get the caller in big trouble if it continues. It makes it easier and/or cheaper (maybe free) to get certain services, like call tracing, to verify who actually called (the CA will most likely claim they didn't make the call).

Also file a written complaint with the FTC. They don't do much more than count the complaints and purse just a few of the worst offenders. But get it on record; it may eventually help.

Get the mailing address of the CA and send them a cease and desist letter (certified, return receipt). The CA may be pursing some different debt. But whatever it is, this is no longer a CA to deal with, so send the C&D.

Get documentation from the car loan company showing the payment status. Being late, there can be some added charges and fees. Be sure those get paid, too.

Try to make an external recording copy of the saved VM message. Play it back into a recording machine (several times to be sure). This is for your niece's protection in case this ends up on court (so she can present evidence of good cause for refusing to deal with this company, if it comes down to needing to do that).

 

[starting over]

I spoke with my niece, she told me that the caller identified himself as being from the loan company & only left his first name.....no call back number. Before she contacted me, she left a message for her loan company to find out who contacted her.

She does not have the best payment record with her loans, she usually is not current. However, the one thing I can say is it's not drug related. She has poor financial management, but she's not into drugs. As far as personal loans, she owes most of our family, has for years. There have been times I wanted to break some bones, but I have refrained.

She received this message on her cellphone, so she would need to file the complaint with her cellphone company. I will let her know about the external taping, will also have her contact the FTC. That's what information I was looking for, not sure who you would report this type of behavior to.

My view is, yes she owes the debt and she needs to pay. However, no one should have the right to speak to anyone else in that manner I don't care who you are. Thank you so much for your advice

 

[TigerD]

I spoke with my niece, she told me that the caller identified himself as being from the loan company & only left his first name.....no call back number. Before she contacted me, she left a message for her loan company to find out who contacted her.

She does not have the best payment record with her loans, she usually is not current. However, the one thing I can say is it's not drug related. She has poor financial management, but she's not into drugs. As far as personal loans, she owes most of our family, has for years. There have been times I wanted to break some bones, but I have refrained.

She received this message on her cellphone, so she would need to file the complaint with her cellphone company. I will let her know about the external taping, will also have her contact the FTC. That's what information I was looking for, not sure who you would report this type of behavior to.

My view is, yes she owes the debt and she needs to pay. However, no one should have the right to speak to anyone else in that manner I don't care who you are. Thank you so much for your advice

1. As I perceived, the call was not from a collection agency. The lender is not a collection agency.
2. FDCPA doesn't apply to the lender.
3. You can't CD the original creditor.
4. Congrats on refraining from breaking bones -- I recommend a phone book, it leaves fewer marks (or at least that's what they say on TV)
5. The FTC is pointless. You want the Florida Office of Financial Regulation Office of Financial Regulation
6. Most of what cosine says is completely wrong, so be wary of taking his advice.

DC

 

[starting over]

Thank you for the clarification, it is the lender not a CA

 

[cosine]

6. Most of what cosine says is completely wrong, so be wary of taking his advice.

DC is a smart and knowledgeable person who has some serious issues with attitude and direction in life. Sometimes he can be informative and helpful. Sometimes he has reading difficulty. Sometimes he's just plain hateful. Take everything he says with a major grain of salt because you never know what the DiCe rolls.

As long as he's attacking me, he tends to straighten up. But if you stay around a while you will see his pattern: he never points at specific errors from the people he hates. he just hates them because they are not here to bash people who make mistakes in life.

 

[TigerD]

DC is a smart and knowledgeable person who has some serious issues with attitude and direction in life. Sometimes he can be informative and helpful. Sometimes he has reading difficulty. Sometimes he's just plain hateful. Take everything he says with a major grain of salt because you never know what the DiCe rolls.

As long as he's attacking me, he tends to straighten up. But if you stay around a while you will see his pattern: he never points at specific errors from the people he hates. he just hates them because they are not here to bash people who make mistakes in life.

Cosine, I don't hate anybody. And I don't attack you. I don't consider you at all. You are ignorant and your advice is extremely dangerous to those people that take it. You are just one more of the unknowing that has flashed on this site over the past several years. Your kind comes and goes. Frankly, I used to spend a lot of effort correcting the errors your type of poster makes, but I've tired of that. I just don't care enough to put out that effort. If you sucker someone and they get hurt, that isn't on me and I sleep just fine.

Now, if you learn something about the subject and want to post advice that is helpful and accurate instead of dribble you have been emoting, I'd welcome you as a contributor. But you probably aren't going to do that and I am not going to engage you again.

DC

 

[cosine]

Cosine, I don't hate anybody. And I don't attack you. I don't consider you at all. You are ignorant and your advice is extremely dangerous to those people that take it. You are just one more of the unknowing that has flashed on this site over the past several years. Your kind comes and goes. Frankly, I used to spend a lot of effort correcting the errors your type of poster makes, but I've tired of that. I just don't care enough to put out that effort. If you sucker someone and they get hurt, that isn't on me and I sleep just fine.

Now, if you learn something about the subject and want to post advice that is helpful and accurate instead of dribble you have been emoting, I'd welcome you as a contributor. But you probably aren't going to do that and I am not going to engage you again.

DC

You rarely point to specific things you think are in error. Instead, you apply the broad brush of personal attacks. When you name a PERSON and say they are wrong, that IS a personal attack. It would not be the case if you cite a statement and say that statement is in error (then it is an attack on an inanimate statement). Since you do the personal attacks, I have to wonder what your real motivations are. If you just don't have the desire, then just stop making attacks entirely and be done with it. Then you can move on in life.

Your posts are also tainted by your attitudes of hate against those who have had troubles in their lives (even though in most cases they are the causes of their own troubles). Your approach is to belittle them (like the several times you insist people pay bills with money they simply don't have), rather than actually help and guide them out of their troubles. That was clearly seen in your post about how a debt collection operation works, and how you would do things specifically intended to harass instead of help.

 

[eshorter_1]

Debt Collection

State - FL
Name: E. Shorter
Recently, I received a medical bill for the sum of $100 for services rendered. Upon closer examination of the bill I noticed the bill was for services provided on 10/22/07 and my insurance provider paid the bill on 11/06/07.

Here is the issue: The bill was sent to me on 11/30/2008 an entire year later. My concern is that had I not come to FL for the holiday that this bill may have been reported to the credit bureau causing my credit score to be affected or possibly eliminated me from potential employment opportunities.

Is there a moritorium on bills being delivered or some sort of statue of limitations? I explained to the care provider the possible 2nd, 3rd and 4th order effects of their billing practices, policies or processes.

I paid the bill in question and then the care provider informed me that there is an additional $64.00 owed as their new soft ware program only shows the min. payment. I have never heard of a medical care provider sending out bills like credit card companies!

Please let me know your thoughts on my dilemma. Thanks

 

[Country Living]

eshorter_1, it's rude to hijack someone else's posting. Copy your post, delete it, and start your own thread.

 

[starting over]

Thank you

My niece just told me that she filed a complaint with the florida office of financial regulation. She also said the the loan co. called her back & apologized for the behavior of their rep & is also starting their own investigation into his collection practices.

 

[Gio7707]

File a complaint with the telephone company to have it on record that she is receiving harassing phone calls. That won't necessarily stop them. It's just a start of a process that can help get the caller in big trouble if it continues. It makes it easier and/or cheaper (maybe free) to get certain services, like call tracing, to verify who actually called (the CA will most likely claim they didn't make the call).

Also file a written complaint with the FTC. They don't do much more than count the complaints and purse just a few of the worst offenders. But get it on record; it may eventually help.

Get the mailing address of the CA and send them a cease and desist letter (certified, return receipt). The CA may be pursing some different debt. But whatever it is, this is no longer a CA to deal with, so send the C&D.

Get documentation from the car loan company showing the payment status. Being late, there can be some added charges and fees. Be sure those get paid, too.

Try to make an external recording copy of the saved VM message. Play it back into a recording machine (several times to be sure). This is for your niece's protection in case this ends up on court (so she can present evidence of good cause for refusing to deal with this company, if it comes down to needing to do that).

Totally agree with cosine,

BBB of Central Florida: BBB Reliability Report

looks like Regional acceptance has unsatisfactory rating with the BBB, I usually take digital pic's from the caller ID for documentation and keep track of calls.

Yes, file with the FTC (just database issues) and yes C&D letter so you can get another violation of FDCPA to report.

good luck !