Encore Receivable Management

[albacore44]

Anyone dealt with these people ?/ They started leaving a recorded message for my wife. Not sure which CC it's for but could be Cap 1. sheesh.........It's barely 30 days late

[Fresh]

Encore Receivable Mgmt

Albacore,

Just type in the name into Google and you will pull up a ton of complaints and people's experiences. There's an attorney who's started another class action suit against the company for horrible practices, including relaying private info to third parties (e.g. friends, associates). The State of California has sued the company at least once. And, check out the notes in the Ripoff Report.

From just scanning, it does sound like it's because of your Cap1 card(s). I've got two cards with them and I have not let these go yet, the only ones.

Your comments about Shaniqua and the other collectors has had me laughing so hard.

[albacore44]

Albacore,

Just type in the name into Google and you will pull up a ton of complaints and people's experiences. There's an attorney who's started another class action suit against the company for horrible practices, including relaying private info to third parties (e.g. friends, associates). The State of California has sued the company at least once. And, check out the notes in the Ripoff Report.

From just scanning, it does sound like it's because of your Cap1 card(s). I've got two cards with them and I have not let these go yet, the only ones.

Your comments about Shaniqua and the other collectors has had me laughing so hard.

yes, I saw that. just fishing to see if anyone here dealt with them. just this stupid recording that repeats itself

[albacore44]

2nd Letter

Just received a 2nd letter from these Bozo's. now's its on GEMB?chevron, the 1st account was GEMB/Mervyn's. Looks like this is the collection agency GEMB likes to use. Thank you Jeffrey Immelt. Guess I'll just send a C/D letter and list both accounts. can you do that ??

[nodollarsnomo]

I got a letter from them yesterday for my GE Money LOC.
they also called yesterday. Funny thing is I also received my monthly statement from GE yesterday as well, so I'm assuming that it is still with GE. I'm about 90 days behind.

Encore's letter has an Olathe KS return address, but it also has an Oak Park MI address. They are demanding payment in full sent to GE in Atlanta GA.
They also said I have 30 days to ask for debt verification.

I guess I will have to start searching on here for a sample of a DV letter.

Let the fun begin!

[catleg]

A good DV/C&D letter is as simple as this.

Your Address

Their Name and Address

Re: Your letter dated xx/xx/xx (no need to specify an account here if they sent you a letter, otherwise might choose to reference an account)
Dear scumbag CA,

Pursuant to the Fair Debt Collection Practices Act, I dispute this debt and demand validation.

It is inconvenient for me to receive telephone calls at any time.

Please cease and desist from telephonic communication. All further communication should be in writing at the above address.
Signed,
/s/ Dan Deadbeat

Anything more than that is fluff and bravado that doesn't accomplish anything.

The reality is, even this isn't much of a deterrent but the green card plus a tape recording could cost them a lawsuit so most will follow the rules.

Remember the 30 day window has nothing to do with the legal status of the debt itself, only the behavior of the CA.

There may be other DV letter for credit repair purposes, this is just to stop them from calling.

I'm getting a little tired blowing $5.54 or whatever on these, pretty soon I'm going to have to figure out a way to turn this into a profit center. I guess the cost of filing a federal lawsuit pro se is a little expensive, maybe it's possible to batch a bunch of them together into one common lawsuit with multiple defendants.

[optimistic1]

lol, love the Dan Deadbeat, aint it the truth, thats what we all are, oh well.

I too am getting tired of returning to the post office every few weeks, for me its bad, cause we have over a dozen unsecureds. I only send it to show to them, that I am educated and hip to their game, and I have the ultimate weapon against them, called the bankruptcy petition. They back off a little, but so far no lawsuits 7 months since defaulting.