List your Ca's here

[albacore44]

I thought it would be interesting to start a post listing all the Ca's we are dealing with and what banks are using them. here is my list so far.

Client services (Citi, 4 accounts)
Client Services (wamu/chase 1 account)
United Recovery(citi, 1 account)
United collection (Citi, 1 account)
NCO (Crap 1, 1 account)
Alliance one (Citi, 1 account)
Mann Bracken (Ge money,1 account)
Encore (GE money, 1 account)
Encore (Discover)
CIR law offices (GE Money/mervyns 1 account)
LTD financial (Chase, 1 account)
Hanna and associates (waiting for letter, not sure of OC)

and lastly, someone called my cell phone today from a (215) area code which is Philly and left a message for my wife, if anyone has any idea who has collections offices in Philly let me know.

Feel free to add your lists to this post, it may help others

[jwmc1]

Have any of tese filed suit? How much do you owe each, or what is the total?

[frogger]

NCO - for AT&T

[jwmc1]

The Philly number could be a Bank of America collector

[albacore44]

Have any of tese filed suit? How much do you owe each, or what is the total?

no suit yet. cards just charging off. total unsecured CC $195K

[frogger]

And what's up with NCO? They called and called and called and called for about 3 weeks. Haven't heard from them in over a week now.

I've got some interesting info on NCO I'll try to post in a few days.

[ForumReader]

no suit yet. cards just charging off. total unsecured CC $195K

It is amazing how some CAs get aggressive, others don't. For mine, BoA's CA seemed quite aggressive, but my BK put a stop to it, hopefully (Glasser and Glasser, based in Richmond, VA).

Frogger and Albacore, your avaitars...I gotta say this, if these two people met in real life, how about they go out on a date? Unless these pictures were edited through photoshop maybe?

[nodollarsnomo]

So far mine are:

PRS out of New Jersey- BOA
CAC Financial out of Oklahoma- GE Money Bank/GE Flexplus
OMS out of Florida- Citi Home Depot
Genpact Services out of Michigan- Lowes Acct.
Encore out of Kansas- GE Money Bank (DV'd and sent to CAC)

[albacore44]

I thought it would be interesting to start a post listing all the Ca's we are dealing with and what banks are using them. here is my list so far.

Client services (Citi, 4 accounts)
Client Services (wamu/chase 1 account)
United Recovery(citi, 1 account)
United collection (Citi, 1 account)
NCO (Crap 1, 1 account)
Alliance one (Citi, 1 account)
Mann Bracken (Ge money,1 account)
Encore (GE money, 1 account)
Encore (Discover)
CIR law offices (GE Money/mervyns 1 account)
LTD financial (Chase, 1 account)
Hanna and associates (waiting for letter, not sure of OC)

and lastly, someone called my cell phone today from a (215) area code which is Philly and left a message for my wife, if anyone has any idea who has collections offices in Philly let me know.

Feel free to add your lists to this post, it may help others

Add to this :

I C Systems (Minnisota)
Not sure which card, Just called and left message for my wife

[nickifan]

Paging Albacore

I'll join the list:

United Recovery Systems, in Houston, for HSBC

Just got the letter today after first call last week.

Albacore (or anyone else) -- should I ask for "debt validation" first in writing, or just go directly to C&D and ask them to stop calling? I wouldn't care about email but I'd like no more calls. Lately I have been turning off the ringer most of the day, but of course then I am missing a few calls I would WANT to take.

If I send DV first...what exactly do I say? I KNOW the HSBC debt is mine and have all the statements to prove it. They likely know this. So what is the point, really? Just buy some time?

Oh, when URS first called last week, the rep told me "it says you are refusing to pay." What IS this deal with the emphasis on "refusing" ? I of course explained I couldn't pay, as opposed to not wanting to pay....

[flyinbroke]

Only CA thus far is GC Services for GE Money. They have an office here and a flagrant disregard for the "all calls are inconvenient" in a letter that they signed for.

My letter was four sentences summed up with "I am disputing, this is NOT a refusal to pay, please send validation, stop calling as all calls are inconvenient." I did not go into all the legal stuff as they know people cut and paste. Plus they know the rules...if they didn't they would not flagrantly disregard them and hope people are too chicken to sue.

Refusal to pay is just something they use as a scare tactic. Can't=refusal. "Won't give bank info over phone"=refusal. "Have no money"=refusal. Does not matter what you tell them, anything but "here is my account number, help yourself" is a refusal.

[LittleB72]

Mine were:

NCO for American Express
Allied for American Express

Those were the only two charged off before I filed BK earlier this month.

[LostNFound]

I'm a little late at jumping into this discussion, but I would consider sending a "Do Not Call" letter prior to any type of validation of debt letter. Just my opinion, but I never sent a validation letter unless I was being challenged by a collector. I did the do not call thing early and it helped until the debt transferred to a collector.

On the matter of "REFUSAL TO PAY", I had the same thing. I was told it was a refusal because I wouldn't verify any information over the phone. I tell them I don't handle financial matters over the phone and to send it to me in writing. They don't like it. But I still did it. I hardly get calls now...only one and I'm not sure who it is because they call my cell phone and it's not showing up. I know there is a website you can use online to look up who is calling you, but I dont' remember the name off hand. Google "Who is calling me" and I'm sure there will be information there to find out if you want to check a number?

[StartingOver08]

This is the one I use to use (before BK) to look up collectors: http://800notes.com/

[nickifan]

This is the one I use to use (before BK) to look up collectors: http://800notes.com/

Yes, and also whocalled.us.com