ABC 7 Exposes More Debt Collector Illegal Tactics!

[roberts459]

Even if it is legal to call my neighbors it wouldn't do you much good considering I don't know my neighbors and they don't know me. Also you can write to a bill collector and demand all future contact must be made in writing. If they continue to call your place of work or anywhere else they can be sued and the debt becomes invalid.

[kiko671]

Actually, they can call your neighbors/relatives to get a message for a "return call" relayed to debtors. They just can't harass them or disclose the nature of the call (3rd party disclosure). Some state laws forbid it but most don't. Now if you send the collection agency a cease and desist letter, that will get them off your backs. Just be sure you are not residing in a state where they can sue you if they can. You would have to be gainfully employed with no judgments in place and suit worthy!

[NinjaGhostScorpion]

If you're gonna call me and be a rude little bastard, then I'm just gonna hang up on your ass.

[braveheart1779]

has anyone heard of NCO fin ???? appaerantly I have a debt which i know is not mine yet they put it on my credit report... i have filed a dispute claim through a credit report company known as experian.... i hope it goes well

[Angelhaven95]

@braveheart1779 Yup, NCO is a fairly large debt collection firm. If you have a debt on your credit report that you think does not belong to you, you need to dispute it with all 3 major credit reporting agencies (transunion, experian and equifax)

[itsdonenow]

You know I thought the guy who said they can legally call a neighbor was wrong but, he is correct. Look up the Public Law 95.109 on Yahoo and it will be under 804 section 1.

[HurricaneHeidi]

It's a matter of survival... survival of the fittest. I was smarter than the collectors and smarter than the banks' bottom-feeding attorney, so THEY LOST. And they lost LEGALLY. Debt is a CIVIL matter, NOT criminal.

It is not a crime to suffer a reversal of fortune and have to do whatever it takes to survive. The banks are ripping us off through BAILOUTS and taxes now.

As far as I'm concerned, I took back the money that they lobbied Congress to steal from me. BOO HOO HOO.

XD

[GuanoApe420]

@HurricaneHei wow your an asshole

[sniffy45]

I was a top notch collector, AMEX paid me to go after the big boys, the platinum users 50k and up, I called you paid. Most tactics still to this day are not posted. most of which you cant prove was a result of the collector. Calling your neighbors is not illegal, nor leaving messages with co-workers, the bar you hang out in etc get my drift..How about family, extended family, the car dealer where you just applied for a loan.

[preppyboinj]

hey "sniffy45" i have a platinum coated dildo that you can shove up your ass ENJOY!

[sniffy45]

promises promises

[HurricaneHeidi]

I defeated Citibank and made them drop their case. I defeated collection by American Exp, Capital One, and Bank One without hiring an attorney.

We have to BAIL OURSELVES OUT. Our government is in the bank lobby's pocket.

Take back your money, America!

watch?v=GJMQCcFFzak

.

[HurricaneHeidi]

What are YOU, sniffy45? A bankster tool?

Obviously you know nothing about the way lending works. These banks create money out of nothing, thanks to the Federal Reserve Act of 1913. The rest of us would do time in Club Fed for counterfeiting, but these Fed Res chartered banks are allowed to inflate our economy with vapor money and lure people into debt while they invest NOTHING but the time to make electronic credits. You are a rube to buy into their trap. I broke free and I defeated them.

[Rainy809]

I agree "hurricaneheidi" I win against those scum bags all the time. They can never prove the debt. Just because someone steals your identity does not mean you owe them money. I seen on TV how most debt collectors are con artists, excons, and low lives.

[HurricaneHeidi]

U R right, Rainy809... debt collection attorneys are the bottom of the barrel... they are STUPID... they hire drones who screw up the pleadings and file erroneous docs... and they do a volume business, picking off "the low hanging fruit" -- meaning the alleged debtors who are easy pickings and fail to defend themselves.

We CAN defend ourselves, LEGALLY, and without resorting to some SCAM "Debt Elimination" company that will take even more of your money.

I made them dismiss their case!

[HurricaneHeidi]

I learned how to defend myself against a debt collection lawsuit and I WON. I wrote a book describing EVERY step in the process, and reproducing every pleading in the case. If I can do it, YOU can do it. See my video: "DEFAULT !!! Escaping the Debt Trap and Avoiding Bankruptcy" on my channel.

[cacciola6789]

its not illegal to call a nearby its called skiptracing.. and who is a scumbag the person who wont pay there bill or the person collecting a legitamate debt. the answer is clear. the only person who cant be helped is the person who blames others. PAY YOUR BILL and america will not be in economic perils. bad debt is directly related to inflation. 3 types of people, the haves, have not, and have not paid for what they have. (benjamin franklin). **this has been an attempt to collect a debt.

[BayouChick31]

Yes it's someone's obligation to pay a bill, BUT debt collectors have to follow the law, and they frequently break it. Once a collector called for a debt I HAD PAID IN FULL TWO YEARS AGO. If they break the law, it is the debt collector's fault. they can be sued!

[anonymousevangelist]

Please view my 2 videos (on my channel page) regarding a DEBT COLLECTION SCAM!

[City6242]

i am a debt collector and yes we can call your neighbor for location information...it's called skiptracing and neighbors are called nearbys....

[bikersrule07]

im a debt collector because im to stupid to find a job with skills,im also to lazy and stupid to goto school to get a real job, when im at home, i dont want to take off my cheap office uniform, because im in love with my self a stupid low down peace of shit scum ,

[reggiebraz]

You really should seek therapy for your anger issues

[mi6QBranch]

You should just go back to school and learn how to STFU.

[bikersrule07]

yep for 39 yr old, you should go back to school and learn a real trade or job, instead of doing the crap your doing, i let all of this crap go, but you had to chirp in again...you need to goto therapy

[mi6QBranch]

When you get my age correct, maybe I'll listen to morons like you.

[bikersrule07]

what did i do to piss you off ? mi6qbranch?

[mi6QBranch]

Much.

[bikersrule07]

is that all you goto say, aww you poor poor baby, when you get over your sulking, maybe you would like to talk about it

[mi6QBranch]

Maybe this pissed me off asshat: "yep for 39 yr old, you should go back to school and learn a real trade or job, instead of doing the crap your doing, i let all of this crap go, but you had to chirp in again...you need to goto therapy "

[bikersrule07]

why did you copy and paist what i type mi6 ????? i got a good trade hows about you , still picking up the phone for a living and threatning old people????

[preppyboinj]

go f yourself you redneck lowlife! RESPECT WOMEN remeber you came outta one jackass

[bikersrule07]

wow not sure why you aimed that at me preppy ... but i do respect woman,, if you read my threads you would see i was sticking up for my house mate,who is very sick... and is getting phone calls from wankers who cant find a proper job..

[trvlsdca]

Your the wanker! It is a legal and legitimate job. Working for a lender or a bank is a great job. Those who don't pay their bills like your house mate need to obviously get a better job.

[bikersrule07]

yeah it is obvious that your a stuck up little twat, not sure what you understand about being very sick tvrlsaca,,,, got that idiot.

[LordRigon]

LOL...uh hey wanker...lol, the contraction of " you are" is you're not your, which is possessive and another thing, how does a house pay its bills mate?...now who's the wanker?...LOL...just teasing you buddy, that was some funny shit your wrote there.

[missmarie273]

Thank you!

[MROMERO2007]

Shes lying. she did aquire a credit card in 94. Her eyes avoid the question by eye movement & buys her time to respond to the question.

[CGClippers]

and as for contacting neighbours....since when is it against the law to try get a message to someone ?? debt collectors do not breach any privacy of any kind when talking to a third party..all we ask is for a message to be passed along ;)

[CGClippers]

the problem is with these people who claim they dont owe the money, is that they dont provide proof of the fact...they just say it isnt theirs and hang up..that doesnt fly you need to prove it and these people are too lazy to do so, so it ends up having to followed up again and again. If someone was that upset that debt collectors were "harrassing" them then they would provide undeniable proof the debt is not theirs

[janiskg]

Here is a thougt - PAY THE BILLS YOU OWE! Do you get to leave the grocery store without paying for your food? You get.. YOU PAY. Not a hard concept cept for some of you commenting here I see.

[reggiebraz]

I say that because I am well bersed in the law!!!!

[roxcyn]

@reggiebraz You misspelled "versed". I have doubts that you law if you cannot spell basic words and are writing lots of exclamation points on your sentence. Sorry.

[reggiebraz]

I have worked in collections for 20 years and that report was 90% wrong!!!

[sivatmin]

yea you would say that as a collector

[bikersrule07]

what sort of loser works as a debt colloctor for 20 years???

[reggiebraz]

the kind of loser that makes 120k per year

[bikersrule07]

proberly but most most debt collectors only get minium, what do you exspect for retards who can only answer phones for a living ..

[reggiebraz]

no, most collectors are trying to earn a living to feed their families like other hard working americans. There are some bad ones that volate the laws but most are just trying to do an honest days work.

You must hae had a bad experience

[bikersrule07]

i live with a 65 yr old sick woman who owes money, real brave to threaten a 65 yr old sick woman over the phone..... ohhh im sooo impressed !!!! wow bravery !!!

[bikersrule07]

to make a threat agaist a 65 yr old woman is not a "honest days work" how would you like it if i threatend your grandma or you sister, or your mom, nope stick up for your self, but you are low down stuck up,pompous, thugs, blinded by you own ignorence,seeing your selfs as some white knight of the fiscal system, you a thug, end of story.

[reggiebraz]

It is unfortunate you feel that way but if billls were paid in an appropriate manner then you wouldn't have to deal with collectors. And, yes collectors do play a vital part in the fiscal system. I wish you luck.

[bikersrule07]

this woman is 65 old,she has allways paid her bills on time, she had to goto the hospital, and 1 bill cought up with another bill, dont tell me by the time you are 65 you would have not missed a bill..or struggled to pay a bill, or maybe you might lose your job,,,,, very easy for you pompous wankers to be so high and mighty

[bikersrule07]

oh yeah one more thing reggie, she is in debt with cap 1, how much did cap 1 need bailing out ,and abused that money by buying another bank... they took 3.65 billion.... they owe me a check, wheres my damn check!!!!!!! shall we talk about bail outs????????

[reggiebraz]

So your suggestion is we should excuse the debt of the elderly? Again, when a debt shows on our computer screen we will make an attempt to collect it and yes as i said collectors are just like everyone else we have the same problems as every other american. Look at it this way if you daont pay your light bill they cut off your lights no matter how old you are, if this woman you speak of is 65 now how old was she when she made the debt. Just pay the bill and the collectors go away.

[reggiebraz]

As for the bailout write your congress man. Still doesn't excuse the debt.

[roxcyn]

@bikersrule07 People, people, people. It's a job, someone has to do it. What if someone said that to you at your job? "what type of loser works on an airplane, you need to go back to school and get a 'real' job." I didn't know there were 'fake' jobs versus 'real' jobs, LOL!

[roxcyn]

@reggiebraz Obviously you need to go back to your companies collection training. The report was not wrong, they interviewed the FTC who oversees the FDCPA. They are the ones to enforce it.

[mi6QBranch]

What a shame they didn't mention that if a debt collector calls your neighbors in an effort to get to you, you can sue them for sharing personal information with a third outside party.

[craigrthrasher]

You, unfortuately are an idiot.

[mi6QBranch]

Fuck you jackass!

[sedlmeier101]

only if you disclose information about the debt. there are many ways to do this without disclosing any information

[mi6QBranch]

Wrong. It's illegal to call your neighbors to ask about you. It's called invasion of privacy and Harassment.

[reggiebraz]

you can call neighbors to relay a message as long as the debt is not discussed...it is totally legal in most states

[mi6QBranch]

No you can't. Look it up, it's illegal to invove an outside party in your personal affairs.

[reggiebraz]

The fair debt collection practices act allows nearby calls with restictions in some states as to the amount of calls made to relay a message...Calling a neighbor is legal,

[mi6QBranch]

Sorry, you're wrong. Calling your neighbor is very illegal. Go back and do better research. You've stumbled onto bad info.

[reggiebraz]

I will let you keep believing that. While the real world still turns. Good luck

[mi6QBranch]

And I'll let you alone with your delusions of grandure.

[reggiebraz]

Do yourself a favor and research the FDCPA...

[mi6QBranch]

I have. Do yourself a favor and research the LAW!

[reggiebraz]

the fair debt collection practices act is the LAW..You shouldn't let your ignorance overide your intelligence. In fac ,I'll make it easy for you it is Public Law 95.109

[mi6QBranch]

You're an idiot. Your neighbor or other 3rd party cannot be involved in your private affairs. PERIOD! It's an invasion of privacy. Stop being an idiot and STFU already. You're wrong! Deal with it.

[reggiebraz]

Listen Genius I'll explain it one more time. You may leave a message with a neighbor as long as the alleged debt is not discussed. It is called a nearby message and is standard procedure. But, you dont have to believe me. I have given you the law look up. I hope this information has been useful to you.

[mi6QBranch]

You're wrong Genius. Deal with it. You MAY NOT involve a neighbor. You may call the person whose debts in question's Workplace. That is all. And the Person whose debt's in question can or their workplace can stop the calls by merely saying it is NOT ok to call there.

The collector however cannot call neighbors, NOT EVEN ONCE!

GET THAT THROUGH YOUR HEAD.

HOW DO I KNOW THIS? I SUED successfully HSBC for that very thing.

I WON $22,000 in damages for STRESS CAUSED and EMBARASSMENT

[reggiebraz]

It is possible you sued a cretitor and won. Bitwithout knowing the details of that case it is impossible to comment intelligently. Having said that it does not change the fact that nearby calls are legal and until the law is changed will continue. But I have some advice for you. PAY YOUR BILLS AND YOU DON'T HAVE TO WORRY ABOUT YOUR NEIGHBORS GETTING CALLS!!!!!

[kmbkb]

I know this is an old comment but I used to work for a 411 company and bill collectors would call all the time and ask for phone numbers by address and they would also always ask for what they called "near bys" to that address to get your info.

[roxcyn]

@mi6QBranch That's wrong, they can call third parties, just not over and over and over like in the video, especially since the consumer doesn't use the neighor's phone as her message number. I will give you think link to the law, go to Google put FDCPA, go to FTC link it will be a PDF file and READ this section:

"§ 804. Acquisition of location information", pay particular attention to #1 in that section.

[roxcyn]

@mi6QBranch They can call 3rd parties, but they cannot disclose any information about what they're calling for (i.e. collection on a debt, the person owes money, when can he pay, etc), all they can ask for is for location information such as home phone number, address, and place of employment. If the third party doesn't want anymore calls the collection agency is to mark the number not to call.

[sledgehammer1987]

Well, I must say this video clears out a lot of confusions among individuals regarding debt collections and offers a lot of helpful tips to evade Collectors, but there is a lot of misinformation in there too! For example, why did the guy in the video advise people not to promise a payment, no matter what? He didn't say why. but it's due to the fact that once you promise to pay "verbally" the statute of limitations starts all over again on your acount and makes you liable to pay it off.

[roxcyn]

@sledgehammer1987 It depends on your state law, if you promise to pay it (in some states), or make a small payment it restarts the statue of limitations.  For the lady's situation, she never had the account, probably it was fraud, and she should send them a dispute letter. So I think that's why the FTC rep said not to promise the payment because she never had the account and it was VERY old to begin with.

[svtfast]

I wish one of them would call me. I would just ask them for thier physical locations so I could send the payment via Fedex.

I would be there the next day with my pistol to clean things up. Not to kill them but to scare the shit out of them.

[craigrthrasher]

you are so silly, what you don't know is almost all agencies, have a different address then the one they give you. usually several hours or even states away.

[rookiekf123]

i love tappy phillips!

[jinkasima]

Have these debt collectors ever heard of the Statute of Limitations, 1994 come on!