tag:blogger.com,1999:blog-30937069.post115334970959633593..comments2023-10-05T09:36:42.914-05:00Comments on Secrets Of A Debt Collection Lawyer: Tools of the Debt Collection LawyerBlogger Attorneyhttp://www.blogger.com/profile/00303496900815421075noreply@blogger.comBlogger35125tag:blogger.com,1999:blog-30937069.post-38669464929885801052016-01-07T11:03:30.559-06:002016-01-07T11:03:30.559-06:00It's pretty outrageous that some people here a...It's pretty outrageous that some people here are criticising this attorney for, apparently, simply practicing collections law. Creditors extend credit to customers (debtors), many times out of necessity. The customer gets the benefit of obtaining goods and services up-front, without having to have the cash-in-hand. He/she enjoys a new refrigerator, flat screen TV, xbox, inventory for their business, etc.<br /><br />When said debtor either can't (or won't in some cases) pay, the creditor is out the money. Sure, people get down on their luck; but that doesn't mean the burdens of a debtor's poor financial situation should be passed on to the creditor. "Thank you for this 60' TV, Mr. Vendor. I lost my job and can't keep up with my payments. Therefore, take a hike -- you write of the debt and I keep the TV" doesn't fly in the real world.<br /><br />The collections attorney, and the collections process generally, is actually needed to sustain our economy. Without some (albiet imperfect) ability for creditors to pursue delinquent accounts, then creditors will be far less likely to ever extend credit to anyone. Why would a financial institution, like Capital One for example, ever extend credit cards to people if they have no "assurance" that their debts get paid? Why would "Widget Manufacturer" ever sell "Widget Retailer" 10,000 widgets on credit should the doors of justice be closed to Widget Manufacturer if and when Widget Retailer fails to pay?<br /><br />Yes, Mr. Vendor, the Widget Retailer and the landlord who needs to sue a tenant for back unpaid rent can proceed pro se (i.e., without counsel), but that would undoubtedly drive up their administrative costs (the time they spend in court is time they are NOT spending plying their trades) which would, of course, be passed back on to the consumer via increased prices, rent, etc.<br /><br />Simply put, we need the collections process, including collection attorneys, in order for consumers to obtain the goods and services they need, and for creditors to make good on the credit they extend. Without it, our economy will be reducted to a "beggar-thy-neighbor" farse, with creditors never extending credit to consumers and, consequently, consumers not getting the goods and services that they need to exist and flourish. <br /><br /> Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-12569958282568839442014-11-24T21:32:26.608-06:002014-11-24T21:32:26.608-06:00whats this, awesome..love it..whats this, awesome..love it..gamat gold ghttp://www.gamatku.comnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-33423136271067336392014-08-24T08:03:15.808-05:002014-08-24T08:03:15.808-05:00Stop it he is just doing his job by the way he is ...Stop it he is just doing his job by the way he is helping you by telling you what will happen. How would you like it if he put you down for doing your job even a cashier at the food market takes money from people that don't have it. But you don't post shame on cashiers for taking that old guys medicine money for food how can they sleep at night. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-5214702121327024932014-04-16T02:03:49.479-05:002014-04-16T02:03:49.479-05:00See, this letter is about informing the CA that in...See, this letter is about informing the CA that in case their offices report invalid information to one of the major Credit Bureaus then a legal action would be pursued against them as per the State and Federal laws. In the event a negative mark is found in your CRs by the company that they represent, you won't hesitate to pursue such action on the following grounds -<br /><br />FCR Act violation<br />FDCP Act violation<br />Character Defamation<br /><br />This letter should also state that a period of 30 days will be required by you to investigate any information, during which no collection attempts could be made. I had worked with a collection agency in the past; you may know more about them here - <a href="http://www.debtcaredoctor.com/discuss/collectionagencies/baker-bloomberg-associates-complaints/" rel="nofollow">Baker, Bloomberg & Associates Complaints</a>Anonymoushttps://www.blogger.com/profile/17153975064519829284noreply@blogger.comtag:blogger.com,1999:blog-30937069.post-65977554266786320002012-08-25T20:58:36.229-05:002012-08-25T20:58:36.229-05:00Should I send a DV letter to the collection attorn...Should I send a DV letter to the collection attorney and if so what exactly should it state?<br />Thank youAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-27302202923774429372012-05-24T00:49:13.297-05:002012-05-24T00:49:13.297-05:00Wow, you people astound me; defending these a-hole...Wow, you people astound me; defending these a-holes who refuse to pay back their debts. You my friend, are the scum of the earth! <br /><br />In the civilised world, we were taught to pay back our debts. I have excellent credit and have been bombarded with lenders asking me to borrow money from their organisations. And just because it's there, doesn't mean I have to act irresponsibly and take the money, does it.. because if I did, I know I wouldn't have the means to pay it back. <br /><br />Take responsibility for your actions people, and pay back your debts or you'll be sued and forced to pay it back one way or another. <br /><br />Or... you can wait and beg Obama to bail you out.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-10595459449789700212012-01-28T14:18:53.217-06:002012-01-28T14:18:53.217-06:00I think if we researched we would find some of the...I think if we researched we would find some of these bastards get judgments against Judgment proof people and package them as asset backed securities. Look up Federated Capital, FI A, LVNV (Las Vegas Nevada) Corp. Investment Bankers. Where Do they get the money to invest? DUH fom people investing in companies backed by un collectable Judgments>Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-12177276075685738062011-08-29T13:31:32.191-05:002011-08-29T13:31:32.191-05:00Can you please contact me? I have a debt that need...Can you please contact me? I have a debt that needs to be collected from debtors who are able to pay but who have been dodging my calls, ignoring my letters, and generally making it difficult to collect. I would like to make it EASY for them to pay.<br /><br />I can be reached at molassesjones11@gmail.com or by phone at 347.850.4112<br /><br />Thank you.<br /><br />~molassesAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-35111366064845089352011-07-30T02:17:13.159-05:002011-07-30T02:17:13.159-05:00Question? I'm renting out an apartment that h...Question? I'm renting out an apartment that has a lien on it by the Feds- I knew this prior to moving in. What I didn't know, however, is that the owners stopped paying rent. I found that out 6 months into my stay.<br /><br />Well two days ago I got a visit from the sherrif, who presented me w.a writ of execution, they now hold the title to the property I rent. I was instructed to make all future rent payments directly to them. <br /><br />I told the owner, and quite frankly iike the idea of paying rent to the new title holders, it offers me more security. The former owners want me to ignore it and continue to pay them. I said he'll no and want to deal directly with the sherrif in fear of being evicted. What are my rights as the renter?? Can the former owners retaliate against me?Unknownhttps://www.blogger.com/profile/11229307491607621373noreply@blogger.comtag:blogger.com,1999:blog-30937069.post-70285282542577613572011-01-27T16:37:49.429-06:002011-01-27T16:37:49.429-06:00I retired and owed about 70,000. Mostly because in...I retired and owed about 70,000. Mostly because in the latter days borrowing from Joe to pay Sam. I knew I could never repay all that money, not a chance. I just quit paying and getting upset. They of course sued me, spent about $500 each suit, got default judgement and got nothing, not a cent!!!. On Social Security and pension, making more than when I worked!!<br /><br />I now take great delight in filing all sorts of motions in court to take up their time, knowing in the end even if they win, they lose!!!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-9417856528988733962010-12-25T22:38:36.051-06:002010-12-25T22:38:36.051-06:00I don't know if anyone reads these comments an...I don't know if anyone reads these comments anymore, but here is my two cents.<br /><br />I used to work collections for the state government, and if memory serves correctly most of the people who couldn't pay their taxes and had gone through bankruptcy, etc. were people who were just down on their luck.<br />Yes, there were some crooks and other people trying to cheat the system, but for the most part they were just honest people trying to survive.<br />Someone would get sick unexpectedly and then they couldn't pay their bills, for example.<br />A lot of them had had things happen to them such as their backs going out, a bad illness, or even blindness.<br />I just remember a lot of sick people being on my list to collect from.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-7075412745366814882010-08-12T09:34:00.041-05:002010-08-12T09:34:00.041-05:00when collecting debt, there's no better way th...when collecting debt, there's no better way than talking to the creditor... calling them through telephone isn't that good enough to collect those debts....Telephone Systems Northeast Mississippihttp://asitelecom.com/noreply@blogger.comtag:blogger.com,1999:blog-30937069.post-60665041325829622202010-08-11T23:38:16.184-05:002010-08-11T23:38:16.184-05:00Daniel (WHAT RIMES WITH HORDEN AND STARTS WITH A G...Daniel (WHAT RIMES WITH HORDEN AND STARTS WITH A G)OF OREGON: issued a scam debt against me and said it was a default bc i never responded. I NEVER received the paperwork and HE TOLD THE COURT I DEFAULTED. I went to court TO EXPLAIN THE DEBT WAS INVALID AND the crook lied to the judge that he had me served AND I FAILED TO RESPOND. SO, I lost the case and he garnished me. I paid 1700 of the 2000 debt and the garnishment mysteriously vanished. I figured he had overcharged me bc the credit card originally was for 900 (it was dismissed in a bankruptcy 10 years before but because i did not "respond" and it defaulted i had to pay the debt along with huge fees and interest over 10 years. SO, PAID 1700, GARNISHMENT ENDED. TODAY, IGET A BRAND NEW WRIT FOR THE SAME DEBT SAYING IT WAS NOT PAID IN FULL (HE TOLD MY EMPLOYER TO STOP PAYING AS SATISIFIED) AND THEN HE TACKED ON A THOUSAND IN FEES AND 800 IN INTEREST AND R.E.S.E.T THE DEBT THAT I HAVE PAID ZERO!! BEWARD OF THESE SHARK, LYING ATTORNEYS AND THE JUDGES THAT BELIEVE THEIR LIES. I PERSONALLY BELIEVE THESE SMALL TOWN JUDGES ARE IN BED WITH THESE CROOKS AND GETTING A KICK BACK OF SOME SORT. WE SHOULD GET RID OF THE SYSTEM, CROOKED JUDGES, LYING CROOK ATTORNEYS IN BED WITH THE CROOK JUDGES... WHERE DOES IT END? REAL NICE, AFTER I HAVE PAID IT OFF AND IT WAS DISMISSED YEARS AGO IN BANKRUPTCY.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-43179267043067331702010-07-23T02:10:50.087-05:002010-07-23T02:10:50.087-05:00poor banks ... (I've never seen one)poor banks ... (I've never seen one)Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-32499585089715509302010-04-29T21:13:37.064-05:002010-04-29T21:13:37.064-05:00Amen PayupPeople and the Myth. It is funny when pe...Amen PayupPeople and the Myth. It is funny when people stop repaying the banks for loans they made them <br />and then blame the banks for trying to recover their losses.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-59797178580729157242010-03-29T10:14:55.523-05:002010-03-29T10:14:55.523-05:00I have a neighbor that is a debt collection attorn...I have a neighbor that is a debt collection attorney. He has so many threats against him he had to get a concealed carry permit. I don't feel sorry for him though, because he can be a real jerk and loves to abuse people.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-62266054607196556702009-12-31T17:24:12.863-06:002009-12-31T17:24:12.863-06:00Amiable brief and this mail helped me alot in my c...Amiable brief and this mail helped me alot in my college assignement. Thank you seeking your information.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-6192487479341053062009-10-31T16:26:44.154-05:002009-10-31T16:26:44.154-05:00Hey guys,
If you guys want to get back to the top...Hey guys,<br /><br />If you guys want to get back to the topic: tools of the debt collection lawyer, you may want to check out this one: www.metroon.com.<br /><br />Metroon’s public documentation database provides online access to complete Harris County court and government documents -- original PDFs of court dockets, UCCs, real property transfers, titles, assumed names, etc. It's the only online source of full original<br />Harris County court & government documents, and can greatly speed up a debt collector's research process.<br /><br />Wintress Odom<br />Metroon, LLC<br /><i>Original Court and Government Documents Online</i>Wintress Odomhttp://metroon.comnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-36831912050343535912009-08-05T12:58:25.969-05:002009-08-05T12:58:25.969-05:00I read the comments here. For those of you who say...I read the comments here. For those of you who say the debtors are the bottom dwellers may I ask if you have ever had a major incident which changed your financial status? How about house payments going up several hundred dollars to cover escrow,A 10% decrease in pay so the company you work for can survive, a broken leg, a car engine that has to be overhauled....all in the time frame of less than a year.<br /><br />Then, you apply to the creditor and eventually to the scum-suckiing debt collecting attorney for a payment plan you can afford (in writing) and they refuse to answer. Eventually, you receive the complaint/summons and they have never once replied to your certified letters. How do you attorney supporters explain that?<br /><br />By the way, that has just happened to me. I am going into court with my certified letters of request and hope for the best. All I asked for was a chance to pay the delinquent/now charged off amount back in monthly payments.<br /><br />If anyone reading this has any information with respect to Texas laws/procedures I sure would appreciate it.<br /><br />By the way the scum-sucking comment was for the attorneys who are more into making money than helping people. i have personal experience with some very good honest attorneys as well.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-76200307057145303972009-07-30T12:00:19.637-05:002009-07-30T12:00:19.637-05:00Wow! This post hit nerves on some people who obvio...Wow! This post hit nerves on some people who obviously are on the receiving end of one or more debt collectors' efforts.<br /><br />It's simple. 1. If you extend credit and don't get paid, you attempt to collect. 2. If you don't receive payment, you file a lawsuit and report the creditor to the three credit agencies. 3. If you receive a judgement, you attempt to collect. 4. If they don't comply with the judgement, you garish wages and place leins. 5. If you still don't receive payment, you write it off of your books and the credit agencies rescore the creditor 6. The next creditor learns from your mistake.<br /><br />The state of the economy today is caused by the fact that, in the 90's, step 6 was removed from the cycle and an environment was created that allowed financial agencies to profit from IGNORING credit score.<br /><br />http://financialindependent.blogspot.com/2008/01/simple-way-to-explain-subprime-crisis.htmlAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-42925736109123772902009-06-08T01:26:33.320-05:002009-06-08T01:26:33.320-05:00I have a question. My ex husband (married to him ...I have a question. My ex husband (married to him at the time) stole my personal info to obtain credit cards. Numerous etters were sent by my lawyer to the credit card companies in 2005 requesting the original application and charge slips with my signature. They didn't respond. (Because there wasn't any such paperwork)<br /><br />I am now being sued by a collection agency on behalf of US Bank. The debt was created in 2005 and in July of 2008 they wrote me telling me to payup or they would bring legal action. I responded with a letter to them disputing the debt and requesting a letter of validation. I never received it. 8 months later I receive notice that I am being sued. My lawyer (once again) has requested proof of my signature and they have ONLY provided charge slips with HIS signature and still no application or charge slips with MY signature (cause there is NOT any). (Long story) but when all of this first started, I freaked out and sent them ONE payment before contacting my attorney. They are saying that this constitutes my acceptence of the contract and debt. Does anyone know if this is a bluff? A judge actually set this for trial with the only proof being the ONE payment that they received. I feel like I am getting ready to get screwed again - but, this time for our JUSTICE SYSTEM. My credit has been trashed with NO judgements against me, the ex is running around free and now I am incurring lawyer fees. The only bright spot so far is that I just found out through local police that the FBI is looking for the ex on fraud and identity theft charges from another state! Any input?notforsalehttps://www.blogger.com/profile/02110452830549763859noreply@blogger.comtag:blogger.com,1999:blog-30937069.post-47231129012189262522009-05-13T21:22:00.000-05:002009-05-13T21:22:00.000-05:00F&*K YOU PayupPeople..... it is the bottom fee...F&*K YOU PayupPeople..... it is the bottom feeder banks that overextended credit to people. Let's be real... the money came out of thin air. When the signature on the loan or credit card was placed, the credit card issuer took that the to Federal Reserve and got 9 TIMES that amount of money, all printed out of thin air. So don't give me your bullshit. The system is corrupt and the reason it is failing is because of the corrupt money system.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-39135704056692366852009-04-26T23:58:00.000-05:002009-04-26T23:58:00.000-05:00On the contrary to all you debtors posting on this...On the contrary to all you debtors posting on this blog, whining about creditors using legal tools to collect from you, YOU are the bottom feeders. You borrow money and do not pay it back, forcing creditors to use the legal system and chase you down. Despicable. If it wasn't for you, a debt collection industry wouldn't exist. You probably didn't pay your mortgage, expecting government bailouts too. Well the rest of society can't pay for you. Someday you will have to grow up and own up to your debts.PayUpPeoplenoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-77202920985675627502009-01-23T11:57:00.000-06:002009-01-23T11:57:00.000-06:00In my situation I am the collector. I had a clien...In my situation I am the collector. I had a client stiff me for more than 5K. I need my money. I intend to use my right to file a writ of execution in order to collect the debt that is owed to me and my family.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-81021742967701379042008-12-30T22:56:00.000-06:002008-12-30T22:56:00.000-06:00To the pro debters:So let me get this straight. Yo...To the pro debters:<BR/>So let me get this straight. You borrow somebody's money and I'm sure you are comfortable you can pay it back. When you can't pay it back you expect them to sit back and quietly wait for them to get their money from you? 3rd Party debt collectors are keeping the over head costs down for the original creditors. Even though they are paying a small percentage of the orginal debt they are doing all the footwork that the orginal creditor can't afford to do. If creditor's didn't sell this debt to collector's what are the odds they would be able to afford to give you a credit card in the first place. This goes all the way back to the beginning. Theres no free lunch. If you spent the money and you knew the terms what is your excuse for not paying it back or whining when they go out of their way to get it back. Don't say you didn't know the terms. There's a sob story every day on TV or in the newspaper and they teach it high school. What kind of defense can you give for not paying back. Who is the bottom feeder here? The person who borrowed the money and didn't pay it back or the person who is trying to recover it. 3rd party debt collectors are an essential part to the economic system. Without them financial institutions wouldn't be able to afford to lend money to higher risk citizens.Anonymousnoreply@blogger.com