what do I do????real or not

[mandyll]

Hi. It all started 2 days ago...my co worker recieved a call at the job for me. He claimed to be a Processor for my county and was really nasty. Told all my buisness and said if I didnt contect the number given I would be summun to court in the morning at the job. I was at lunch. then they called my house talk to my mother in law did the same thing said i was a criminal i was going to be charged, so on. then they called back to my work talk to my supervisor and did the same. when i returned i called the number it was for a pay day loan. (from last october ) it had been sold to them. they got ugly so i hung up. then the processor called back trying to be nasty but negotiate for them. finally after a million phone calls i told them i would try to pay in a full agreed amt by monday. they agreed. then i asked for some type of letter saying if i pay then im free and clear. well 2 days later i get the letter that looks so bogus. not officail at all. and did not make sence or get to the point. so i called the number it said to contact if i had any questions so we talked . still not convinced i called the number i did the agreement with the same guy answered. so all the lines and the supposive attorney office, arbitrator are all the office. so my question is should i let them summons me and take my chances in court. to add to this I had to freeze my acct after 3 days of the loan cuz they sold my info to companys that were making electronic checks to themselves that had nothing to with the loan. that really is why i havent paid them. they screwed up all my accts.thank you for your time

 

[army judge]

... still not convinced i called the number i did the agreement with the same guy answered. so all the lines and the supposive attorney office, arbitrator are all the office. so my question is should i let them summons me and take my chances in court. to add to this I had to freeze my acct after 3 days of the loan cuz they sold my info to companys that were making electronic checks to themselves that had nothing to with the loan. that really is why i havent paid them. they screwed up all my accts.thank you for your time

You live in the Great Republic of Texas.

That protects you from these frivolous lawsuits.

If you haven't changed your bank account, do so ASAP.

If you have, don't give the new information to these creeps.

If they contact you again, advise them that your attorney has advised you NOT discuss this case with anyone, especially over the telephone.

Tell them that you do NOT owe this alleged debt.

Tell them you will NOT pay this debt.

Advise them that if they disagree, sue you!

(Don't worry, they won't. Suing you in Texas isn't easy, and if they win, they have to collect! That is even HARDER!)

Tell them under federal debt collection practices (and the advice of YOUR attorney), you are asking them to STOP calling you at work.
Tell them you are NOT allowed to receive these types of calls at work.
Tell them that they have already violated the law, and your will be reporting them to the FTC.
(Don't do it, just threaten to do it, at this time.)



Read the following information.
It is detailed guide to debt collection law and practices.
Study this information.
Memorize it.
You might need it going forward.
At least you know what your rights are.

One FINAL thing about these con-artists.
These BUMS have proven to be liars and crooks.
Talking to these creeps is like talking to the devil.
Whatever they tell you is a LIE.
Don't try to understand except to KNOW they way to trick you out of YOUR money!
Just STOP talking to these scammers. :no:
Just don't do it, they will deceive you and eventually get what they want.
Don't dance with the devil, and don't negotiate with him, either! :dgrin
You'll lose every time! :yes:

Can a debt collector contact me any time or any place?

No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they're told (orally or in writing) that you're not allowed to get calls there.
How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don't think you owe the debt, can't repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don't want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here's how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a "return receipt" so you'll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.
Can a debt collector contact anyone else about my debt?

If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don't have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.
What does the debt collector have to tell me about the debt?

Every collector must send you a written "validation notice" telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don't think you owe the money.
Can a debt collector keep contacting me if I don't think I owe any money?

If you send the debt collector a letter stating that you don't owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.
What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

* use threats of violence or harm;
* publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
* use obscene or profane language; or
* repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

* falsely claim that they are attorneys or government representatives;
* falsely claim that you have committed a crime;
* falsely represent that they operate or work for a credit reporting company;
* misrepresent the amount you owe;
* indicate that papers they send you are legal forms if they aren't; or
* indicate that papers they send to you aren't legal forms if they are.

Debt collectors also are prohibited from saying that:

* you will be arrested if you don't pay your debt;
* they'll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
* legal action will be taken against you, if doing so would be illegal or if they don't intend to take the action.

Debt collectors may not:

* give false credit information about you to anyone, including a credit reporting company;
* send you anything that looks like an official document from a court or government agency if it isn't; or
* use a false company name.

Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

* try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
* deposit a post-dated check early;
* take or threaten to take your property unless it can be done legally; or
* contact you by postcard.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don't ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.
Can federal benefits be garnished?

Many federal benefits are exempt from garnishment, including:

* Social Security Benefits
* Supplemental Security Income (SSI) Benefits
* Veterans' Benefits
* Civil Service and Federal Retirement and Disability Benefits
* Service Members' Pay
* Military Annuities and Survivors' Benefits
* Student Assistance
* Railroad Retirement Benefits
* Merchant Seamen Wages
* Longshoremen's and Harbor Workers' Death and Disability Benefits
* Foreign Service Retirement and Disability Benefits
* Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
* Federal Emergency Management Agency Federal Disaster Assistance

But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.
Do I have any recourse if I think a debt collector has violated the law?

You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can't prove that you suffered actual damages. You also can be reimbursed for your attorney's fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector's net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.
What should I do if a debt collector sues me?

If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.
Where do I report a debt collector for an alleged violation?

Report any problems you have with a debt collector to your state Attorney General's office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General's office can help you determine your rights under your state's law.
For More Information

To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government's portal to financial education.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.




http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

 

[mightymoose]

Yes- ignore them.
If you ow the debt you can certainly make arrangments to pay it, but if you are being hassled this way you are probably dealing with someone that only intends to scare you into paying and will only cause trouble for you.
Speaking with them for any reason will only encourage them to keep contacting you. Stop taking the calls. You are under no obligation to speak to them.