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ikuomanero

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  1. Don't ask them what the weather in Lagos is. Instead, tell them: "Mugu guymen! Keep offf...ooooooo! I go chop your dollar from your mother the 1 naira ho!"
  2. No doubt, they were sued because they used off-shored English speaking collectors, right??!!
  3. ...or tell them you own the properties at: 1060 W Addison St, Chicago IL ...and... 7500 W 42 St, New York NY.
  4. This thread reminds me of the movie "Liar Liar". ---------------------- Lawyer: Your honor, I object to this evidence! Judge: On what grounds? Lawyer: Because it's damaging to my case! Judge: OVERRULED! Lawyer: ...Good call! ---------------------- Classic!
  5. Oooh! This reminds me of a conversation I had with MCM a few years back! Midland Credit N00B: Sir/Ma'am, I see that you owe us $394...how do you want to resolve it today? ikuomanero: No. Especially since you never ever sent me validation on this alleged debt. MCM: This is a valid debt. me: It's a non-performing alleged debt. MCM: NO! It a PROVEN, PERFORMING debt. me: really? MCM: [in a raised voice] ARE YOU GONNA PAY THIS DEBT JERKW*D? me: [very calm] No. I am not paying anything I don't know about, especially your purported alleged debt MCM: SO, ARE YOU REFUSING TO PAY THIS DEBT? me: This alleged debt? Yes, I refuse to pay. MCM: OKAY, FINE THEN! I WILL MARK THIS AS A REFUSAL TO PAY THE DEBT. GOOD DAY SIR AND GOVERN YOURSELF ACCORDINGLY me: Go peddle the paper of this alleged debt somewhere else... [click]
  6. Could you please elaborate for us about the "send someone to my home to attack my children" part your mentioned? Did they imply that bodily hard would come as a result of non-payment of your alleged debt? If so, I would immediately call the police on them. Also, I would hire a lawyer to sue them in civil court for violating more than just the FDCPA.
  7. What that phone drone at MCM told you is a lie. As such, it's a violation of the FDCPA (unfair collection tactics). What I would do is take all of the correspondence that you have received and shredded and trashed. The next time they call, tell them that you never received their correspondence. They will probably tell you again that the "30 days from initial communications" has passed, but I would rebut that the 30 days starts from the day that you receive their dunning letter, and not from the date of the phone conversation. Just tell them that you never ever received their dunning letter, and then demand for one. Send them a DV and give 'em hell!
  8. The biggest problem that many consumers face when handling debt collectors for the first time is that the debt collectors like to use a lot of verbal coercion to get people to admin to their "alleged debt". Always refer any account that a debt collector call you about as an "alleged debt", no matter what. The alleged debt is not a debt until a judge rules in their favor. If they do eventually serve you, always show up in court and contest the suit. Do not be afraid of showing up. It seems as if this debt collector has your scared right now, right? All their threats are a bunch of mere lies. Their business model is based upon collection reps who work on a quota system. And the meanest and most scariest of them all get the highest payout.
  9. I would send a copy of the green mail receipt (you did send it CMRRR, right?) to the credit bureaus that have the incorrect address. Demand that they remove the appropriate tradelines due to fault data furnisher information, per the FCRA,
  10. You may also want to check to see if the OC is licensed to conduct collections in both CT and MA.
  11. I think the OP's course of action sounds fine with me. I see no problems in sending out ITSes as the OP outlines... USC has no basis for his statement. In fact, it isn't exactly extortion, as sending ITSes is a remedy that can be legally taken by the OP. I find it funny when the unsophisticated consumer rolls over for the collectors, it's good business; but when the consumer does not roll over and sends out ITSes to the collector, it's "extortion".
  12. There is no coincidence. The number you listed is in area code 713. That's Downtown Houston TX. Anaheim CA is in the area code 714. In either case, "339-8837" in both area codes are landline phones (both AT&T).
  13. To the debt collectors reading the OP's post above, take note: you abusive will have your day before consumers just like NickTemt who will you for what you really are.
  14. If I were in your situation, I would now: 1. Send back another letter, in the same format as the previous one, stating that "I am in receipt of your newest validation and hereby still dispute your letter." 2. Keep both DV's for future use. Two bills that have have two different names is a clear violation of the FDCPA. 3. Check all of your credit reports for any entries from them. Are they on any of them? If so, then they have violated the FCRA for inaccurate reporting. The first bill has a different name, yet they have decided to report it to your files. Keep an accurate record of what they send you. Getting their records corrected may take you a while, but if you can get them to violate your rights under the FDCPA and FCRA, you may be able to get them to delete the debt as well as make them pay YOU for their mistake.
  15. First off, what Tootsie88 said was what he/she would do if they got a judgment against the collector. Even if the poster did not follow through, then there would be no consequences. Unless Congress passes a law called the "Fair Debtor Practices Act". :D
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