Fighting back against debt collectors.

[TigerD]

Ain't it though....

By they way Chaz, I DID read the statute.. I understand EXACTLY what it says.

No one here is going to debate with you on ways to 'catch' a debt collector. If you want that kind of info and want to spend all your time filing lawsuits and hanging around court houses.. go to www.artofcredit.com.. they advocate your type of tactics for EVERYTHING.

Actually their site has been down for a couple of weeks. The rumor on a collector board I visit is that they were sued. But I don't know why.

They probably couldn't afford to pay for hosting anymore.

 

[Ladynred]

No, they weren't sued, they have been having server hardware problems. Considering their hosting is out of Israel.. it makes you wonder .

 

[chaz]

Thanks for all the insight. My plan isn't a get rich quick scheme; it's simply making life hell for those who choose to break the law to make my life hell.

The Michigan Attorney General (Mike Cox) is a great guy for the people. I have written him several times and they always respond and take matters very serious.

I have retained an Attorney to file Chapter 7 before the new bankruptcy laws, but decided it wasn't worth the risk. Name switching homes looks suspicious and can legally come back within one year of a name switch to take possession of my home. (My home is paid off and switched it to my grandmother’s name so I wouldn't lose it). I no longer have any assets in my name.

My Attorney found a way to file Chapter 7 with the new laws as long as I don't find employment. Luckily for me, my business has no paper trail. So I am assumed "unemployed".

Assets Acceptance had sued me, for $36,000 for my one card, out of seven that I have. We settled out of court for a minimal payment to be paid monthly. I have made two payments and stopped... amazingly they no longer call my house anymore.

They also sued me for a Cell phone bill, the same happened, we settled out of court and I made one $5.00 payment and they haven’t called my house in months. However, I had a lot of dirt on them and some proof of illegal activity. With the evidence that I provided Mike Cox was totally on my side. I believe he sent them a warning.

We can’t let these rich scandalous Credit Card Companies push us around. Learn your rights!

 

[TigerD]

We can’t let these rich scandalous Credit Card Companies push us around. Learn your rights!

And the legal definition of fraud is what?

Name switching homes looks suspicious and can legally come back within one year of a name switch to take possession of my home. (My home is paid off and switched it to my grandmother’s name so I wouldn't lose it). I no longer have any assets in my name.

That is still fraudulant transfer as the transfer took place after the actionable incident -- however, I am sure one of the attorney's on this site can explain that better.

My Attorney found a way to file Chapter 7 with the new laws as long as I don't find employment. Luckily for me, my business has no paper trail. So I am assumed "unemployed".

So you attorney is complicit in a scheme to defraud your creditors... hmm.

Assets Acceptance had sued me, for $36,000 for my one card, out of seven that I have. We settled out of court for a minimal payment to be paid monthly. I have made two payments and stopped... amazingly they no longer call my house anymore.

They also sued me for a Cell phone bill, the same happened, we settled out of court and I made one $5.00 payment and they haven’t called my house in months. However, I had a lot of dirt on them and some proof of illegal activity. With the evidence that I provided Mike Cox was totally on my side. I believe he sent them a warning.

The Michigan Attorney General (Mike Cox) is a great guy for the people. I have written him several times and they always respond and take matters very serious.

I am taking the liberty to provide a copy of this thread to AG Cox's office. I am sure he will be appeciate being used in an attempt to defraud creditors with a conspiracy to commit perjury in federal court.

I'll also send a copy of this over to guy I know at Asset. I am sure you have provided enough information for them to connect this thread to you.

DC

 

[BL]

And the legal definition of fraud is what?


That is still fraudulant transfer as the transfer took place after the actionable incident -- however, I am sure one of the attorney's on this site can explain that better.


So you attorney is complicit in a scheme to defraud your creditors... hmm.


I am taking the liberty to provide a copy of this thread to AG Cox's office. I am sure he will be appeciate being used in an attempt to defraud creditors with a conspiracy to commit perjury in federal court.

I'll also send a copy of this over to guy I know at Asset. I am sure you have provided enough information for them to connect this thread to you.

DC

'
And to end it all , the woody wood pecker , of WB , or is it the wabbit , that's all folks ?

 

[Chien]

however, I am sure one of the attorney's on this site can explain that better.

Sorry DC. Nothing that might keep this going.

that's all folks ?

Best idea since the original post.

 

[chaz]

I am taking the liberty to provide a copy of this thread to AG Cox's office. I am sure he will be appeciate being used in an attempt to defraud creditors with a conspiracy to commit perjury in federal court.

I'll also send a copy of this over to guy I know at Asset. I am sure you have provided enough information for them to connect this thread to you.

DC

DC, Mr. Cox isn't a novice in his field, I'm sure he wasn’t manipulated... I only provided him with the evidence, he used the facts to handle the matter. I applaud you for wanting to send this thread to him; I assure you that he still has everything on file... I also have documentation of everything for my records.

As far as your friend at Assets, he may be a good guy, but Assets is a joke as they have broken the law on several occasions. I have those conversations and everything documented as well. I commend you for trying to be a Good Samaritan, but know the facts before you jump to conclusions.

Know Your Rights​

Federal and State laws regulate debt Collection in Michigan. These laws give you certain rights in dealing with bill collectors.

The most important thing to do to protect your rights is to do all your business with bill collectors and creditors in writing or recorded phone conversations. Keep copies of notes and letters and keep track of all phone calls.

Keep everything the collector sends you. Keep them in a safe place with your loan papers.

There are many things that collectors cannot do when collecting a bill. For example, a collector cannot:


*Threaten you or use physical force to collect a bill.

*Use forms that look like court papers or legal papers.

*Threaten to have you arrested if you don't pay.

*Call you collect, or charge telegrams to your phone bill

*Swear at you or use abusive language.

*Tell anyone else about your bill, including members of your own family, neighbors or people at work.

*Bother you at work, unless you have given written permission.

*Send postcards about your debt, or letters in envelopes that say anything about your debt.

*Operate with a false or assumed name.

*Mislead you about the real situation with your loan, or give you false information about your legal rights.

*Bother you at unreasonable times, too early in the morning or too late at night.

If a bill collector does any of these things, you should see a lawyer. You may be able to sue the collector for damages. If you sue, and the court finds that the collector knew he was breaking the law, you may be able to get three (3 X) times the damages the collector caused.

This information is not a substitute for legal advise. If you fee you are being harassed, call a lawyer or your legal aid office.

Legal Services of Northern Michigan can provide legal Assistance to low-income persons in civil matters.

Mike Cox
Department of Attorney General
P.O Box 30213
Lansing, MI 48909

​

 

[ecmst12]

You settled and haven't kept up your end of the settlement agreement. Man you are stupid, do you think they are just going to forget about your debt because they haven't called you in a while? Of course not. You may not care about your credit, but on the off chance you do, it's not going to get any better if it shows you defaulted, settled, and then defaulted on the settlement. YOU OWE THIS MONEY! It's people like you who have turned the debt collection industry into what it is. You are the reason that people like me, who got into debt in college and had trouble paying it for a while, and now trying to pay off and get these accounts off to get them off the credit report, have to pay 25% interest on these cards because they were in default at one time. Disgusting.

BTW, I saw no mention of the collections agencies you were dealing with doing ANYTHING that was in that list of things your AG said they can't do.

 

[chaz]

It's people like you who have turned the debt collection industry into what it is. You are the reason that people like me, who got into debt in college and had trouble paying it for a while, and now trying to pay off and get these accounts off to get them off the credit report, have to pay 25% interest on these cards because they were in default at one time. Disgusting.

I knew some idiot would get on here and use me as a target to blame the ridiculous Credit Card interest rates price gouge. They charge what the Government lets them get away with. People vote, people pay the outlandish rates, and people bytch… this is the way of America and large companies will only continue doing what they can get away with. Remember, the chain is only as strong as the weakest link.

With idiotic posts like this ecmst12, you should tell your school that you deserve a discount. Good Grief people, use some common sense!

 

[ecmst12]

No, credit card companies had to assume this ridiculous "crack down" stance on defaulting people because too many of them are LIKE YOU and purposely try to weasel out of your debts and make them lose money. So they have to make it back on those of use who try to fix their credit in good faith. If there were no dishonest a-holes like you out there, then the companies might be more willing to work with people who want to repay instead of being so suspicious and treating EVERYONE like a criminal.

Just go away. Nothing that you're posting is helpful.

 

[LegalStranger]

Chaz,

It sounds like you're wasting all your energy on finding means to fight the debt collectors, rather than finding means in paying them************************************************************************************.....Go look for another job.

 

[chaz]

No, credit card companies had to assume this ridiculous "crack down" stance on defaulting people because too many of them are LIKE YOU and purposely try to weasel out of your debts and make them lose money. So they have to make it back on those of use who try to fix their credit in good faith. If there were no dishonest a-holes like you out there, then the companies might be more willing to work with people who want to repay instead of being so suspicious and treating EVERYONE like a criminal.

...And here we have it folks, the perfect example why never argue with an idiot... They'll try to drag you down to their level and beat you with experience.

Just go away. Nothing that you're posting is helpful.

You do realize that you posted in my thread, right?

 

[ecmst12]

Yes, I should have known better then to argue with you.

I meant, go away from THIS BOARD. Which is not yours.

 

[averad]

Jesus christ use this time you spend posting here and get a job at Mc Donnalds and pay your bills.

*You spend more time trying to get around the problem then actually solving it*

 

[chaz]

Jesus christ use this time you spend posting here and get a job at Mc Donnalds and pay your bills.

*You spend more time trying to get around the problem then actually solving it*

Yet another poster who gives ill advice. And what is your theory behind settling for less pay than I currently earn? Your philosophy is laughable at the very best.