Fresh one

[treehugger1]

This is probably open for debate. But since they did not actually "contact" you (where you spoke with them directly,) this is probably not initial contact. They are playing a game. But then, so are you. Since he/she left a message acknowledging your call, perhaps they will stop calling and send you a letter. Are you away from the phone when they call? Now-a-days, I answer every call. Others will say that you should ignore all calls. But, if you do, I'm not sure you establish the initial communication. I started with 20+ accounts and have driven this down to under 10 do to judgments and wage garnishments. I now only answer calls that come in with no call-blocks.

You might google them and attempt to find an address and take a proactive stance in terms of C&D. I've never had any CA/JDB contact friends, relatives, or neighbors, but most of my accounts were at least a decade old since I last updated any info (if ever.) Any neighbors, friends, or relatives that I may have included as "references" on initial applications have either moved a half-dozen times are are no longer available (i.e DEAD.) If they are contacting relatives, neighbors, etc., you might want to be proactive. If they are not willing to contact you one-on-one, then perhaps they have no interest in any pusuit other than to harrass you via your references on file. While this is illegal (if they can't "contact" you,) they will push the limits of the FDCPA.

The ball is in your court. Either answer every call that comes in, or determine addresses you can send a C&D to. You might also send a complaint to your DOJ and file a complaint. You can do this online in my state, and it seems to make everyone walk-the-walk. Does any of this make sense?

[treehugger1]

Is collectcorp beyond idiocy? Check this out.

http://dockets.justia.com/search?q=CollectCorp+Corporation

[treehugger1]

Wow! I just realized I have posted 1300 posts. I should get a life! Or, a prize!

[optimistic1]

Is collectcorp beyond idiocy? Check this out.

http://dockets.justia.com/search?q=C...rp+Corporation

LoL, they stopped calling since receiving my DV, I want to sue them too, they called non-stop until I sent it.

[albacore44]

LoL, they stopped calling since receiving my DV, I want to sue them too, they called non-stop until I sent it.

Did they ever send you a Dunning letter ??

[albacore44]

another fresh one

This one is United Recovery Systems. Just left a message. Not even sure which original creditor. crap what a week

[catleg]

yeah united recovery is a pain. You won't get a letter from them for about a week after they call you. then if you have multiple accounts with them they will keep calling you for each account. and they will pull your credit report and ask "Why are you still paying this xxx card?" which is kind of funny cause it caused me to stop paying a couple of other citi cards when they were collecting on a citi account.

[albacore44]

yeah united recovery is a pain. You won't get a letter from them for about a week after they call you. then if you have multiple accounts with them they will keep calling you for each account. and they will pull your credit report and ask "Why are you still paying this xxx card?" which is kind of funny cause it caused me to stop paying a couple of other citi cards when they were collecting on a citi account.

It's interesting that every single card that has gone to collections so far is in my wifes name. fat chance if they do an asset search as all cars, property, and other assets are in my name only, and she is unemployed.

[OhioFiler]

yeah united recovery is a pain. You won't get a letter from them for about a week after they call you. then if you have multiple accounts with them they will keep calling you for each account. and they will pull your credit report and ask "Why are you still paying this xxx card?" which is kind of funny cause it caused me to stop paying a couple of other citi cards when they were collecting on a citi account.

This just forces Citi to send more work their way!

[catleg]

yeah my favorite calls were from the aggressive folks at US Bank. they used to ask "well you're obviously paying your phone bill right?" as if to suggest "ok, I'll correct that right away. goodbye."

[treehugger1]

I've dealt with several CA's over the past two years. I always got the same story when they called, "Our records state we mailed you information on such-and-such a date." BS. I'd clarify my address and, ask them to send me something within 5 days of this initial contact as required by the FDCPA. Some would fuss a bit, but everyone finally sent something.

I was quite proactive in the beginning. I answered almost every call and asked for my written information. NCO was always bad about sending stuff, but once I requested it and made it clear I knew my rights, they sent info to me. Remember, the FDCPA says 5 days within initial contact. I assume leaving voice messages on your phone does not constitute initial contact.

I seem to have deleloped a tough rhino-hide for dealing with CA's and JDB's. I'm still nervous when I have to deal with the very occasional call, but I stay with my original plan. "Communicate with me in writing!"

I also have no problem telling a CA/JDB, or creditor that I reserve the right to record the call.

Cap once sent me a letter stating they do not allow their calls to be recorded. I simply told them, "Then don't call." If you call my voicemail and left a message, you had to know the call was recorded. Otherwise, how did you leave the message? Logic and civil rights are not on many of these folks radar.

There may be a FTC opinion related to this. If I have time, I'll check.

[OhioFiler]

I've dealt with several CA's over the past two years. I always got the same story when they called, "Our records state we mailed you information on such-and-such a date." BS. I'd clarify my address and, ask them to send me something within 5 days of this initial contact as required by the FDCPA. Some would fuss a bit, but everyone finally sent something.

I was quite proactive in the beginning. I answered almost every call and asked for my written information. NCO was always bad about sending stuff, but once I requested it and made it clear I knew my rights, they sent info to me. Remember, the FDCPA says 5 days within initial contact. I assume leaving voice messages on your phone does not constitute initial contact.

I seem to have deleloped a tough rhino-hide for dealing with CA's and JDB's. I'm still nervous when I have to deal with the very occasional call, but I stay with my original plan. "Communicate with me in writing!"

I also have no problem telling a CA/JDB, or creditor that I reserve the right to record the call.

Cap once sent me a letter stating they do not allow their calls to be recorded. I simply told them, "Then don't call." If you call my voicemail and left a message, you had to know the call was recorded. Otherwise, how did you leave the message? Logic and civil rights are not on many of these folks radar.

There may be a FTC opinion related to this. If I have time, I'll check.

Seems to be SOP. I had a call yesterday from a CA named Penncro Associates who I had to have the exact same discussion with the dipshlt collector and his supervisor. The letter arrived in the mail today.

[catleg]

This brings back memories, Penncro, United Recovery, Client Services, Creditors Interchange, Valentine&Kerbatas, Alliance One, Allied International, IC Systems, Northland, they all think of themselves as privateers with letters of marque from the giant credit card banks, hunting their prey on the wide open spaces of the telephone frontier.

Today my phone was almost silent except for the JDB who bought my US Bank account who I'll have to deal with but they only call once a day, and Pressler & Pressler who is collecting for Crap One who calls about once a week. I have a 2 layer defense, DV C&D letters and Verizon call intercept.

You don't really have to send those letters certified mail, receipt requested unless you think you might have a real civil case against them for flagrant abuse. Most of them just take it with a .44 cent stamp and go away.

[albacore44]

This brings back memories, Penncro, United Recovery, Client Services, Creditors Interchange, Valentine&Kerbatas, Alliance One, Allied International, IC Systems, Northland, they all think of themselves as privateers with letters of marque from the giant credit card banks, hunting their prey on the wide open spaces of the telephone frontier.

Today my phone was almost silent except for the JDB who bought my US Bank account who I'll have to deal with but they only call once a day, and Pressler & Pressler who is collecting for Crap One who calls about once a week. I have a 2 layer defense, DV C&D letters and Verizon call intercept.

You don't really have to send those letters certified mail, receipt requested unless you think you might have a real civil case against them for flagrant abuse. Most of them just take it with a .44 cent stamp and go away.

Was suprised to get a call from Hot Linda at crap 1 today after a several week lull. mabee NCO sent the account back to them. not sure, NCO is still calling despite receiving and signing for my DV letter last week.

[catleg]

i bought a fancy office speakerphone. I like to answer calls and immediately put it on mute. sometimes leads to some pretty funny cursing or other random conversation. especially when they call right back the second time and you answer again and put it on mute.