Keep your chin up those that are on webrecon !!

[Coltfan1972]

After a very long drought, after successful lawsuits and defenses, I finally have an agency that has contacted me. I thought this day would never come again. I thought I was completely black balled from collection agencies and JDB.

However, never doubt their stupidity. The agency that contacted me over a 160.00 paid medical bill is not (drum roll....) licensed in my state to collect. In addition, I already have written confirmation from the state board of collection agency they are not licensed. They also, 100%, must be licensed. There is not even any gray area. They are not even a JDB that can try the worn out argument they are not a collection agency, this is a collection agency and even has the member of the ACA on their letter.

Oh, for good measure they called me, recorded line of course, and never gave any mini-miranda.

So, for those of you that thought you would never be contacted again, keep your chin up, stay positive, keep paying it forward by helping others and your day just might come also.

To say I'm excited is an understatment. This is going to cost them and not just a nusiance offer.

[gowyo]

Nice!

[BigJT]

This made my day! Cheers!

[1stStep]

All right!!!

[usagi555]

[WhoCares1000]

I would guess that there are some JDBs/CAs that are too new or too small to know what webrecon is and why they would use it. That will always be the case as some players die out and new ones replace them.

[Meg61]

Bravo! You are truly a professional deadbeat! You must be so proud! What will you do for entertainment after you run out of bad debts due to nobody willing to lend to you?

[Seadragon]

Just to let JDB's and others several members have the skills to ghost the CIC server and trace back IP addresses to their source. It would be funny to add this person to the lawsuit. Ah but since we are all anonymous it is all well.

See Coltfan you bring out the best and worst in people.

[usagi555]

Originally Posted by Seadragon

Just to let JDB's and others several members have the skills to ghost the CIC server and trace back IP addresses to their source. It would be funny to add this person to the lawsuit. Ah but since we are all anonymous it is all well.

See Coltfan you bring out the best and worst in people.

There are only two ways you should interact with the troll:

1) On the phone, trying to pull an FDCPA violation out of it with your recorder running.
2) In the courtroom proving the aforementioned FDCPA violation.

Feeding it should be discouraged.

[Coltfan1972]

Originally Posted by Meg61

Bravo! You are truly a professional deadbeat! You must be so proud! What will you do for entertainment after you run out of bad debts due to nobody willing to lend to you?

No section of the FDCPA requires an inquiry into the worthiness of the debtor or purports to protect only deserving debtors. To the contrary, Congress has clearly indicitated its belief that no debtor deserves to be abused in the collection process.

The FDCPA protects all consumers from the gullible to the shrewd.

Bass vs Stolper, Koritzinsky, Brewster, and Neider, S.C. 111 f3d. 1322, 1330, 7th Circuit, 1997.

The highest compliment one can receive is when a collector responds and is obviously upset.

[Coltfan1972]

Originally Posted by Seadragon

Just to let JDB's and others several members have the skills to ghost the CIC server and trace back IP addresses to their source. It would be funny to add this person to the lawsuit. Ah but since we are all anonymous it is all well.

See Coltfan you bring out the best and worst in people.

Yeah, and this part I guess they missed this part.

Originally Posted by Coltfan1972

However, never doubt their stupidity. The agency that contacted me over a 160.00 paid medical bill.

I guess I'm supposed to pay the bill again and if not I'm a deadbeat for not paying the same bill twice. Only a CA or JDB would label somebody a deadbeat because they don't pay a bill that has been paid in full.

[usagi555]

Man, I hope they think that you're just some dumb hick just because you're from Arkansas.

I assume you plan on dragging them to trial? Or at the very least making them pay every single penny you are asking for with no NDA? You don't have to answer, unless you want them to see what they're in for

[Coltfan1972]

Originally Posted by usagi555

I can actually see the Federal Courthouse from my house. Won't even have to pay for gas to get there.

I tossed around the idea of a very poorly written small claims suit in an attempt to goad them into removing to federal.

[Coltfan1972]

Originally Posted by usagi555

Man, I hope they think that you're just some dumb hick just because you're from Arkansas.

LOL look at the time of our posts. You must have your crystal ball out this evening.

Originally Posted by Coltfan1972

I tossed around the idea of a very poorly written small claims suit in an attempt to goad them into removing to federal.

[usagi555]

Originally Posted by Coltfan1972

LOL look at the time of our posts. You must have your crystal ball out this evening.

Crystal ball? I'm just wanting some quality entertainment.

Just remember, there's nothing wrong with being a hick. Just don't be a dumb one.

A slow speaking, unassuming, humble, yet intelligent southern lawyer can be a frightening thing. There's that southern drawl that many associate with keeping the genes in the family. There's the reputation. Then BAM! The argument didn't sound that good, but for some odd reason, you feel really dumb and everybody thinks its convincing.

[Coltfan1972]

Oh I embraced it three years ago.

I told the lawyer for the other side I would have 12 people from Arkansas sitting on a jury. I would be pro se and embrace the good ole boy trying to do this because I can't afford a lawyer.

I told him he was going to have an unlicensed collection agency from Michigan, that was hounding me when they should never have done business in Arkansas, sitting next to him. I'll hand them a blank check and they will fill in whatever number I ask for.

Award overturned on appeal or severely reduced? Probably, but who cares.

[Seadragon]

It is funny how JDB's pay 50 dollars for a debt then committ 7 to 8 violations then Coltfan takes them to court then the jury finds out he paid that debt 6 years ago and the person that sold them that debt just padded the thousands of accounts listed on the bill of sale with data from an old credit report the "aquired from a guy in a black hoody behind a dumpster" and that they have to pay Coltfans' bills for a whole year.

It is quite funny really

All because they think they are mafiosos. Priceless.

[life is good]

apparently "MEG61" has never been been a victim of fdcpa violations, harassment, or JDB injustice........nor does it sound like this forum is a good fit for it..I mean , "her".....please feel free to go somewhere that is better suited for you, MEG61

COLTFAN1972 ROCKS!!

[BV80]

I guess I'm supposed to pay the bill again and if not I'm a deadbeat for not paying the same bill twice. Only a CA or JDB would label somebody a deadbeat because they don't pay a bill that has been paid in full.

By all means, you should trust that unlicensed collection agency, and pay the bill you've already paid. Don't you know that you're the one in the wrong? Never mind that they haven't complied with state and federal laws. You're the deadbeat for paying the bill only once and having the audacity to question the legitimacy and ethics of the poor collection agency!

It appears the Troll needs to work on her reading comprehension skills.

[Seadragon]

Originally Posted by BV80

By all means, you should trust that unlicensed collection agency, and pay the bill you've already paid. Don't you know that you're the one in the wrong? Never mind that they haven't complied with state and federal laws. You're the deadbeat for paying the bill only once and having the audacity to question the legitimacy and ethics of the poor collection agency!

It appears the Troll needs to work on her reading comprehension skills.

I mean really these debt collectors are really gonna hate it when they have to pay coltfan.