Beware of Van Ru
We filed on 10/12 and I took off the Privacy Manager and Caller ID from my phone so that no creditor will have an excuse to call me at work.
Friday night, 10/14, the phone rang, it was a Mr. Hardy from Van Ru trying to collect for "Premier." My husband advised him of the file number and date of filing. Mr. Hardy stated that "Premier" is not included in the filing, but he is willing to settle for 250.00. Of course my husband declined, stating again the case number. Thankfully, he took down his name and phone number, cause of course we want to make sure we've got everything on there.
Saturday morning, 10/15 he called again, this time talking to me. I tend to be much more aggressive and am usually quick witted with smart a$$ questions, whereas hubby isn't. So he goes into his speil again that this is a serious debt, they're filing legal action today (saturday... lol). I advise again that we filed chapter 7, case number blah blah blah. He interupts me, says he's checked pacer and van ru is not on there. So I ask him who is he collecting for... he says Premier Bank Card. Well, no Premier bank card is not on there... cause it's name is FIRST PREMIER and he needs to look there. He continues to argue with me, ya know, the one that filled out all the papers so i know exactly what is on there, this time offers a settlement of 200.00. So i'm tired of arguing with this idiot and ask for their account number and mailing address. He wants to know why i want that, so I simply say so that I can make sure your name is on my filing, why would i be so stupid as to pay you 200 bucks when in another 2 months the whole thing will be wiped out? Thats when he hung up on me. Keep in mind that i had never raised my voice or used any profane language.
Thankfully, hubby had written down the idiots name and number and extension the night before, so I call back. This time a different guy by the name of Mr. Teague (evidently we are such scum to them that they don't use their first names). I stated who I was looking for, and Mr. Teague stated that the other guy was on another line, that he is Mr. Hardy's supervisor. GREAT!! So I explained the whole thing to him, and the guy profusely apologized and stated that Mr. Hardy will not be contacting us again.
After thinking about this for a while, I think that after they found out we filed pro se they thought we wouldn't know our rights, so that's why the kept coming after us. I filed a FTC complaint this morning, and also told of my experiences on bud hibbs website. I just wanted to share my experiences with all of you.
Friday night, 10/14, the phone rang, it was a Mr. Hardy from Van Ru trying to collect for "Premier." My husband advised him of the file number and date of filing. Mr. Hardy stated that "Premier" is not included in the filing, but he is willing to settle for 250.00. Of course my husband declined, stating again the case number. Thankfully, he took down his name and phone number, cause of course we want to make sure we've got everything on there.
Saturday morning, 10/15 he called again, this time talking to me. I tend to be much more aggressive and am usually quick witted with smart a$$ questions, whereas hubby isn't. So he goes into his speil again that this is a serious debt, they're filing legal action today (saturday... lol). I advise again that we filed chapter 7, case number blah blah blah. He interupts me, says he's checked pacer and van ru is not on there. So I ask him who is he collecting for... he says Premier Bank Card. Well, no Premier bank card is not on there... cause it's name is FIRST PREMIER and he needs to look there. He continues to argue with me, ya know, the one that filled out all the papers so i know exactly what is on there, this time offers a settlement of 200.00. So i'm tired of arguing with this idiot and ask for their account number and mailing address. He wants to know why i want that, so I simply say so that I can make sure your name is on my filing, why would i be so stupid as to pay you 200 bucks when in another 2 months the whole thing will be wiped out? Thats when he hung up on me. Keep in mind that i had never raised my voice or used any profane language.
Thankfully, hubby had written down the idiots name and number and extension the night before, so I call back. This time a different guy by the name of Mr. Teague (evidently we are such scum to them that they don't use their first names). I stated who I was looking for, and Mr. Teague stated that the other guy was on another line, that he is Mr. Hardy's supervisor. GREAT!! So I explained the whole thing to him, and the guy profusely apologized and stated that Mr. Hardy will not be contacting us again.
After thinking about this for a while, I think that after they found out we filed pro se they thought we wouldn't know our rights, so that's why the kept coming after us. I filed a FTC complaint this morning, and also told of my experiences on bud hibbs website. I just wanted to share my experiences with all of you.
Comment