tag:blogger.com,1999:blog-30937069.post116783545978830949..comments2023-10-05T09:36:42.914-05:00Comments on Secrets Of A Debt Collection Lawyer: FAIR DEBT COLLECTION PRACTICES ACT - FDCPA:Blogger Attorneyhttp://www.blogger.com/profile/00303496900815421075noreply@blogger.comBlogger18125tag:blogger.com,1999:blog-30937069.post-14539671832736241742010-05-10T14:51:55.553-05:002010-05-10T14:51:55.553-05:00if a debt collector never registered with the secr...if a debt collector never registered with the secretary of state which means they are illegally operating in the STATE OF _____ under the “color of state law” would that gives grounds for a 42 U.S.C. 1983 action? <br /><br />if yes, would you have some case law to back it?<br /><br />darren34276@hotmail.comHomestead Services of Floridahttps://www.blogger.com/profile/15406029768483236799noreply@blogger.comtag:blogger.com,1999:blog-30937069.post-41590669937318906222009-11-25T21:57:22.738-06:002009-11-25T21:57:22.738-06:00Dear Site Owner,
I would like to say that your b...Dear Site Owner, <br /><br />I would like to say that your blog is well-written and it contains lots of useful and up-to-date information. We really got interested in your web resource and we would like to cooperate with you. My websites are devoted on various financial themes and the have got amazing traffic and Google Values.<br /><br />My sites contains loads of useful financial information presented in news and articles that highlight the most much-talked-of issues such as credit cards, debt solutions, financial crisis, ways out of it, and many more. We believe this information can awake interest in your readers and can help you gain more and more traffics well. We would like to do some link exchange with your sites. If you agree then please let me know as per your convenience: dorothy786@gmail.com<br /><br />We thank in you in advance for your cooperation.<br /><br />Best regards, <br /><br />Dorothy ParkerDorothyhttps://www.blogger.com/profile/06867581473872459083noreply@blogger.comtag:blogger.com,1999:blog-30937069.post-85515428612474674882009-06-17T09:45:10.389-05:002009-06-17T09:45:10.389-05:00The system is a mess and I suggest usuing a non-la...The system is a mess and I suggest usuing a non-lawyer third party like CPI. They obtain validation and also cease contact bc we all know that collectors often ignore letters from people like us. http://cpinsituteonline.orgAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-49331640201745638312008-12-23T18:31:00.000-06:002008-12-23T18:31:00.000-06:00I don't care who this lawyer is, or who he represe...I don't care who this lawyer is, or who he represents. It's all per the judge in the END! If someone disputes a debt for VALID REASON and requests certain information that is PERTINENT to the DISPUTE OR ANY PORTION THEROF which is exactly what the FDCPA says and the collector doesn't make effort to provide that and blatantly and coldly ignores the DISPUTED PORTION THEREOF and relies only on the rest of the barebones LITERAL verbage of the LAW.....TRUST ME....THE JUDGE WILL consider that in court...not to mention, if the collection agency or firm ignores collection laws for any given state which are statutory and outside the FDCPA..and on top of that they have even a little bit gotten rude or demanding with you on the phone....THEY ARE TOAST in the litigation process! HOW DO I KNOW THIS?!?!?! BECAUSE I have a good friend that is in FDCPA and FCRA law and he sues collection agencies for a living and R A R E L Y L O S E S ;)Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-25240603515355476832008-11-10T06:23:00.000-06:002008-11-10T06:23:00.000-06:00Great work.Great work.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-83384668252859032142008-10-19T23:30:00.000-05:002008-10-19T23:30:00.000-05:00Well this is a lawyers side representing a collect...Well this is a lawyers side representing a collection agency. Some of it I do agree with, but if you ask for verification and specifically ask for original creditor last activity date (payment or charge) they are inclined to do so, in the state of georgia at least.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-90088268731600913292008-09-16T16:01:00.000-05:002008-09-16T16:01:00.000-05:00This lawyer is typical of all debt collection atto...This lawyer is typical of all debt collection attorneys. They always leave themselves open to a wide variety of causes of action against them in federal courts. Of course, they almost always win in local courts. They almost never fail to get their judgment. But in the process they will always commit grave errors in their pleadings that leaves them totally vulnerable. Many use false and fraudulent affidavits provided them by such companies as TSYS of Georgia and their National Attorney Network. There are other such companies as well who provide fraudulent affidavits often "notarized" by employees who simply buy an official looking seal but never register with the secretary of state which means they are illegally operating under the color of law. Some have come very close to felony convictions for doing that. Some of what this attorney said comes so close to being true that it gives a false appearance of validity to the whole thing. I certainly hope that all debt collectors and attorneys study his words carefully and take them to be the gospel truth. I've already won 164 cases against attorneys and debt collectors with zero loses because they believed as this attorney does. And please keep those false affidavits coming too.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-57440275596655541512007-12-20T19:16:00.000-06:002007-12-20T19:16:00.000-06:00Medical,insurance, pofessionals,lawyers practicing...Medical,insurance, pofessionals,lawyers practicing greed at Biblical proportions will one day stand before the Creator of time and space and answer the follwing question:<BR/><BR/>HOW WAS IT YOU GOT RICH OFF THE PAIN AND SUFFERING OF MY CHILDREN?<BR/><BR/>Good question.gordonhttps://www.blogger.com/profile/13848980696803568410noreply@blogger.comtag:blogger.com,1999:blog-30937069.post-829597078747077252007-12-15T02:19:00.000-06:002007-12-15T02:19:00.000-06:00Michael Herrin's post is misleading! Debt verifica...Michael Herrin's post is misleading! Debt verification is DIFFERENT from VALIDATION. The validation process require much more specific information than verification.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-73827638014481656522007-09-12T12:06:00.000-05:002007-09-12T12:06:00.000-05:00While Mr. Herrin is correct with regard to debt va...While Mr. Herrin is correct with regard to debt validation as per FDCPA guidelines, I've found that asking for additional information such as signed agreements, bills of sale, etc. doesn't prove I don't know my rights under the FDCPA. As k yourself this question: If someone sent me a letter claiming I owed x amount, but couldn't prove it, would you pay? In other words, if someone can't provide you with substantial documentation as it specifically pertained to the supposed debt, why would you pay them? I disagree that debt validation is as cut and dried as it has been described.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-10999004757775279262007-08-15T14:05:00.000-05:002007-08-15T14:05:00.000-05:00It seems to me that they would have to give proof ...It seems to me that they would have to give proof that the account is the debtors account. If the debtor is disputing that it is not there account the creditor would have to validate by a signature. Anyone could say that you owe anything and you would have no recourse.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-20329778325716429072007-07-25T20:03:00.000-05:002007-07-25T20:03:00.000-05:00ok, so what if you send the letter requesting vali...ok, so what if you send the letter requesting validation, and do not receive the minimal information they are supposed to give. then on top of that, they verify with the credit bureau where you have submitted a dispute at the same time you sent the validation letter, when you still have not received anything from them.<BR/>what can i do about that? isnt that a violation? if so, what is their punishment?Alexandra Altmannhttps://www.blogger.com/profile/00535870392214657188noreply@blogger.comtag:blogger.com,1999:blog-30937069.post-22144609954669746312007-07-25T20:01:00.000-05:002007-07-25T20:01:00.000-05:00I sent a validation letter to a collection agency ...I sent a validation letter to a collection agency and started an investigation with the credit bureau's at the same time. I have not received any response from the collection agency, however they have verified with one of the credit bureau's. is this not a violation? if so, what is required of them after such a violation. what recourse do i have?Alexandra Altmannhttps://www.blogger.com/profile/00535870392214657188noreply@blogger.comtag:blogger.com,1999:blog-30937069.post-69227812419839536212007-06-11T12:56:00.000-05:002007-06-11T12:56:00.000-05:00One thing about the FDCPA is that if you have atto...One thing about the FDCPA is that if you have attorney representation that the <A HREF="http://www.uscaonline.com/Debt_Collections_Questions.html" REL="nofollow">debt collections calls</A> will be stopped. And at that point the collection agency must deal only with the firm that you hired for representation. This is a very major benefit of the FDCPA that most people do not know of. And in case you were wondering what you were hiring the attorney for, it is for the case of arranging a settlement, which will be acceptable by your creditor.Dr. Slobodskihttps://www.blogger.com/profile/01157081530278814517noreply@blogger.comtag:blogger.com,1999:blog-30937069.post-62270810486188309852007-03-27T10:03:00.000-05:002007-03-27T10:03:00.000-05:00actually this blogger is 100% correct. I work for...actually this blogger is 100% correct. I work for a collection agency and ive also noticed alot of these so called "validation demand" letters. We simply verify all the info as accurate with the creditor and respond with a letter informing the debtor that the debt has been verified as correct and provides the creditor info. debt collectors are under no obligation to provide anything else. sending such a letter to a debt collector only shows them that you have no idea what your doing.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-1172603664766470602007-02-27T13:14:00.000-06:002007-02-27T13:14:00.000-06:00LMAO... yes, please do not believe a lawyer who is...LMAO... yes, please do not believe a lawyer who is directly quoting the FDCPA... trust Mr. Anonymous, because he says so!!!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-1171580572488523072007-02-15T17:02:00.000-06:002007-02-15T17:02:00.000-06:00Consumers:Please do not believe the contents of th...Consumers:<BR/><BR/>Please do not believe the contents of this FDCPA "info" posted in this blog. This blog is just another attempt at misinformation by creditors. The FDCPA can be used as a powerful defense, and, at times, an offensive weapon. Contact a consumer lawyer in your local area if you have questions about consumer issues, rather than looking to the opposition (a creditor's lawyer) for answers.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-30937069.post-1168314402386175642007-01-08T21:46:00.000-06:002007-01-08T21:46:00.000-06:00"If a debtor disputes the debt within the 30 day p..."If a debtor disputes the debt within the 30 day period, 15 USC § 1692g(b) provides for the debt to be verified. This simply means that the debt collector must send a written statement to the debtor with the name and address of the original creditor and the amount of the debt. This is all a verification is."<BR/><BR/>That seems like an unnatural parsing of 15USC1692g(b). The consumer may dispute the debt, or request the creditor to be identified... but you're saying that it's sufficient to respond with the creditor's identification even in cases of dispute?<BR/><BR/>Shouldn't the identification be sent in response to a request for identification, and something *different* be sent in response to a dispute?<BR/><BR/>For the creditor's identification to always be a valid response is not at all the natural reading of the paragraph, which appears to be outlining a common procedure to be followed for two different kinds of customer requests.Anonymousnoreply@blogger.com