Case for Libel?

[You Are Guilty]

You still use a rolodex?

 

[quincy]

About 12 inches from MY keyboard are the numbers to every fast food and take-out restaurant within a 20 mile radius.

Signed -
McQuincy (that's my usual smiley face in disguise)

 

[TigerD]

You still use a rolodex?

Yes. I tend to lose electronic files.

At lunchtime, I'd rather have quincy's list.

 

[buster8]

I listen very well. You just need to understand that all debtors lie. I have never seen an exception to that rule. The collection agency isn't going to prove it is yours. That isn't our jobs. Our jobs as collectors is to hound you until you finally decide to do the right thing. We apply every form of pressure that we can to bring this to bear. If the collectors are unsuccessful, the file may go to the lawyers who will prove you owe the money (if you know how to make them) in court.


Validation consists of the name and address of the original creditor. You should be fighting with Verizon - not the collector. Here's a tip: The Creditor pays us - they are never wrong. You are. As I said, all debtors lie.


That's because you aren't smart enough to argue with Verizon and not the collection agency.

You know, for someone wanting help you are rather stupid. I spent a number of years as one of those "idiots" and I have a number of friends that work in that capacity. You ask for the benefit of this board's knowledge and experience while insulting us.

About 12 inches from my keyboard is my rolodex. In that rolodex are direct extensions to several Verizon executives that could resolve your problem before lunch Monday. I have no interest in helping you any further because of your attitude.

DC

Yea and about 30" (give or take) away from your head are your brains.

"You ask for the benefit of this board's knowledge and experience while insulting us."

I am only insulting YOU DC as you seem to be a real pompass ass and full of yourself ,you started out with the tongue in cheek insults,which you must have learnt while being one of those idiots.

I have allready recieved a letter from the CC that they notified the credit bureau to delete their trade line.It is not about me oweing the money which I do not but about the crap these "low lifes" put me through.

"I have no interest in helping you any further because of your attitude. "

LOL now I am really lost without you by my side.

 

[TigerD]

I have allready recieved a letter from the CC that they notified the credit bureau to delete their trade line.It is not about me oweing the money which I do not but about the crap these "low lifes" put me through.

LOL now I am really lost without you by my side.

In three months when the debt is at the next CA, you'll get to play this out again. And believe me - as it moves down the line of collection agencies, they are not going to get nicer.

But that's ok. It couldn't have happened to better guy.

DC

 

[annajosie]

I'm confused. I thought that the OP said he DID NOT owe this debt. If that is true, then why are there 2 pages of comments and insults going on?

DC, not all debtors are liars, just like not all debt collectors are bottom feeders.

With all the back and forth insults, I feel like I walked into the middle of a Three Stooges Movie.

I cannot answer the OP's question as I am not versed in how to approach a situation like this. Hopefully he can get an answer that doesn't contain sarcasm. I thought that this was a forum for people with questions about debt, not a Don Rickles roast.

 

[Antigone*]

Nicely avoiding the question, hapless. . . . . . so I say, no, you are not an attorney. You only play one on this forum.

You may want to add a disclaimer to your posts, then. That way at least the "liar" and "charlatan" labels will disappear.

Maybe not the "idiot" and "fool" ones, however.

OMG quincy, are you going wireless on me

 

[quincy]

I believe there are far too many of us here to be The Three Stooges, annajosie.

Buster's question was already answered, by the way. Re-read the posts. If Buster wants to sue over the erroneous debt showing up on his credit reports, he can certainly attempt to. But he must speak with an attorney in his area to see what, if anything, he can sue for.

I do not believe that he has any libel action he could pursue with any chance of success, however, and I told him that when he first posted this question in the Libel section of the forum. First, for defamation, the false statement must be "published" and it must be published with the requisite degree of fault. It is not enough for Buster to say that an error was made on his credit report. Buster cannot base a defamation action on injury that may occur in the future. Defamation is based on actual reputational injury, injury which has exposed a person to hatred, ridicule, contempt, or aversion, or which has impeached the person's honesty, integrity, or virtue. An erroneous account showing up on a private credit report and that is being dealt with by the collection agency, whereby they said it would be deleted within 90 days, is not reputational injury. A FICO score drop is not reputational injury. Unless or until Buster applies for and is denied credit based on the 75 point drop in his FICO score, the drop of which must be solely attributable to this one erroneous credit account, he has not suffered any injury at all, reputational or otherwise. He has suffered aggravation and frustration in trying to clear the matter up.

The attorney Buster speaks with in his area may find another legal action Buster could explore, if Buster is intent on taking the collection agency to court.

I believe, however, that Buster is doing pretty much everything he CAN do already to get the charge removed from his credit reports. It is not, as has been previously noted, an easy or fast process. Buster was told by the people he contacted on the debt that it would take 30 to 90 days before it was dropped from his credit report. Yes, in the meantime it will affect his FICO score. But this is not enough to support any lawsuit, in my opinion.

As for the insults, they generally come when someone asks for advice and then argues with the advice giver. Again, re-read the posts. If someone chooses not to consider the advice given, fine. Some advice should be ignored. But attacking any person who has volunteered his/her time away from work to provide advice is probably not the smartest way to avoid insults.


Just saw your post, Antigone. I am definitely being influenced by my forum peers.

 

[TigerD]

I'm confused. I thought that the OP said he DID NOT owe this debt.

Actually, he didn't say that until the fourth post. It's one of those details that, when withheld, makes a big difference.

DC, not all debtors are liars, just like not all debt collectors are bottom feeders.

Yes. All debtors lie. If you doubt it, go work in a collection agency for a month.

The problem the OP had in every post was his attitude and false declarations of law. And right up to his last post - when, the problem was magically resolved.

DC

 

[buster8]

"Actually, he didn't say that until the fourth post. It's one of those details that, when withheld, makes a big difference."

If you would have paid attention to "details" and not been so quick to see me as a "Liar" you would have seen my SECOND post where I said I know I do "NOT" owe.Not that that is important....right?

So maybe you can start over and just for a moment see me as somebody who was wronged by your always right group of collectors.

 

[TigerD]

If you would have paid attention to "details" and not been so quick to see me as a "Liar" you would have seen my SECOND post where I said I know I do "NOT" owe.Not that that is important....right?

Your second post was the fourth post in the thread, now that one posting was deleted - the third post. Use your fingers, counting isn't that hard.

So maybe you can start over and just for a moment see me as somebody who was wronged by your always right group of collectors.

No. I see you as a moron who feels wronged and wants to flail out at someone without working the problem.

That said, I have nothing else for you.

DC

 

[gorper999]

Looks like I am not the only one that thinks debtcollector should not be on this forum.Especially with that :All Debtors Are Liars" comment.I do believe him though when he says his friends work for collection agencies.And he probably owns one.Sure sounds like it.

 

[dfromnyli]

I mean saying all debtors are liars is pretty LOL, and yes I work for a collection attorney who has bite to go along with his bark unlike a regular collection agency. So here we do things to people that really get them upset (freeze banks, wage garnishments).

Every once and a while you will get the legit debtors who don't lie, set up reasonable payment arrangements, always pay on time etcetc. I will acquiesce this is more of the exception but such a blanket statement that all debtors lie is a little rough haha.

 

[buster8]

Your second post was the fourth post in the thread, now that one posting was deleted - the third post. Use your fingers, counting isn't that hard.


No. I see you as a moron who feels wronged and wants to flail out at someone without working the problem.

That said, I have nothing else for you.

DC

"No. I see you as a moron who feels wronged and wants to flail out at someone without working the problem. "

Regardless of how you want to work exactly where my post was that I said "I DO NOT OWE" the fact remains I said it before you claimed I NEVER did.You just have no attention for details my friend.You are wrong, everytime you post you give me something...a new meaning for lower than a snakes aze.

 

[buster8]

Nothing but a stuffed shirt with a forked tongue.Heck I bet anything he thinks he can sell me land in mid Ocean.If he had listened he would have heard I denied debt,NEVER got a validation letter which I requested RRR....Palisades reported this aleged debt to Experian with NO validation....PERIOD!It was not my problem they bought it without validation in the first place(guess they thought all people are stupid like Mr Debtcollector does)and now it will be their problem that I will not go away and have more than enough evidence to proceed to small claims court.