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GC Services Limited Partnership Informative - Question About Collection Procedures
MISSISSIPPI -- Hi, I've read some of the reviews and searched for help everywhere on how to handle this situation. Seems like other people have been more fortunate. I was contacted by GC Services last week. Actually, they left a message and I called them back. When I called, I told them I wanted to handle the debt and asked if I could arrange payments. I was told payments weren't an option. They wanted me to write postdated checks for funds that I didn't have the slightest clue where they'd come from and couldn't guarantee they'd be there. The debt is less than $3000, which is mostly interest. I called them on the 10th and then called back on the 13th. I tried again to make a payment and was told, "What do you not understand about Payments not being an option!" The woman was very irate, even though I made it clear that I wanted to pay it, but I couldn't pay the whole thing. She said you have 48 hours. She mentioned that I have assets. This is a credit card that I owe for (mostly interest, and I don't know the exact amount). She wouldn't let me even wait until I got paid again, or until my income tax refund came back.
I'm overwhelmed at the fact that she didn't want to give me a reasonable amount of time to come up with the money. I don't understand the tactics, and one lady I spoke to on the 10th said that the accountants would review this on the 24th. This other lady would not let me talk to her again and she even contradicted the fact that the first lady said she would accept a payment, though it wouldn't change anything. The second lady refused my money, and then said if I didn't pay voluntarily, they had no choice by to proceed with other routes... I said I'm TRYING to give you some money, and I can pay more in two weeks, and when I get my last W2, I can get the rapid refund and pay it all. She wouldn't even wait two weeks. I don't understand this, and now since she called me yesterday and said she was referring it back to the creditor and I'd be responsible for attorneys fees, etc., I'm worried that she might misrepresent some of the facts to them and tell them I was unwilling to do anything. To make it worse, the first person they spoke to was my spouse when I was not home, and he was not friendly at all.
So, I wrote the original creditor a letter, told them what happened, wrote a check for $50 and explained that until I get paid, that's all I can afford (although I really can't at the moment since now I have to figure out where gas money is going to come from for next week).
What will she do to me? Can they sue me if I send them money? How long does she have to wait? What procedure has to be in place before they can process this?
They just received the account no earlier than the 8th. I have a letter from them without a date that says I have 30 days to request verification of the debt. I'm thinking that I will mail them a letter asking them to do this. That should buy me enough time to get my tax refund.
Is this typical, to demand payment in full without allowing a reasonable amount of time? I see where other people were able to work with the same creditor. This company said they couldn't allow me to make payments. What should I do?
I'm overwhelmed at the fact that she didn't want to give me a reasonable amount of time to come up with the money. I don't understand the tactics, and one lady I spoke to on the 10th said that the accountants would review this on the 24th. This other lady would not let me talk to her again and she even contradicted the fact that the first lady said she would accept a payment, though it wouldn't change anything. The second lady refused my money, and then said if I didn't pay voluntarily, they had no choice by to proceed with other routes... I said I'm TRYING to give you some money, and I can pay more in two weeks, and when I get my last W2, I can get the rapid refund and pay it all. She wouldn't even wait two weeks. I don't understand this, and now since she called me yesterday and said she was referring it back to the creditor and I'd be responsible for attorneys fees, etc., I'm worried that she might misrepresent some of the facts to them and tell them I was unwilling to do anything. To make it worse, the first person they spoke to was my spouse when I was not home, and he was not friendly at all.
So, I wrote the original creditor a letter, told them what happened, wrote a check for $50 and explained that until I get paid, that's all I can afford (although I really can't at the moment since now I have to figure out where gas money is going to come from for next week).
What will she do to me? Can they sue me if I send them money? How long does she have to wait? What procedure has to be in place before they can process this?
They just received the account no earlier than the 8th. I have a letter from them without a date that says I have 30 days to request verification of the debt. I'm thinking that I will mail them a letter asking them to do this. That should buy me enough time to get my tax refund.
Is this typical, to demand payment in full without allowing a reasonable amount of time? I see where other people were able to work with the same creditor. This company said they couldn't allow me to make payments. What should I do?
Comments:
Posted by tander on 2006-02-17:
What kind of place wouldn't accept money, if you owe it, and post-dated checks here in my state don't mean anything, they can cash them whenever they want.I would of done what you did, and just sent a check, and it they don't accept it, then it's their problem!
Posted by DebtorBasher on 2006-02-17:
Who is the original creditor? I ask because I'm sure I can give you the name of a person in charge that you can write to...also, they CAN NOT refuse any payment you send them.
Posted by ejack053824 on 2006-02-18:
go to "Budhibbs.com" He can help!
Posted by DebtorBasher on 2006-02-18:
Bud Hibbs...gggrrrrrrrrrr!
Posted by cycolbur on 2006-02-20:
Do what you did they cannot refuse payment. Sounds like to me they are just bullying you to see what you will do. As long as you keep sending payments if you can contact your orginal creditor and talk to them mail them the payments instead . Some collection agencies like scare tatics. In my opinion very unprofessional . good luck debtbasher is good and gives sound advice.
Posted by DebtorBasher on 2006-02-20:
Thanks cy!
Posted by signhere on 2006-02-21:
Citibank is the original creditor. GC calls me every other day. I always end up talking to the same woman (Mrs. Sullivan) who is very rude. If a nicer person calls me, she's always listening and butts in. I told her that I received a letter that says I have 30 days to dispute the debt or request verification. She said that's not true, but I'll go by something in writing than what she is telling me on the phone. She does sound like a bully. She told the new lady who called me that I was refusing to pay anything, and I told her that Mrs. S had misrepresented the facts. After that, Mrs. S jumped on the phone, and she started screaming at me and saying, "WHAT ARE YOU ACCUSING ME OF?" I hung up on her. She was telling me I had to pay it by the 24th.
If you know someone I could talk to at the original creditor's office who will negotiate payments with me, I'd be most grateful. Can they sue me if I'm paying them something, and is it okay to send the payments to the original creditor? I just don't trust these people after the way they treat me.
Thanks!
If you know someone I could talk to at the original creditor's office who will negotiate payments with me, I'd be most grateful. Can they sue me if I'm paying them something, and is it okay to send the payments to the original creditor? I just don't trust these people after the way they treat me.
Thanks!
Posted by RavenNC on 2006-03-20:
My experience with this company has been awful. You may be interested to know that GC Services has been the focus of numerous investigations and lawsuits, and has lost several state contracts due to their debt collection practices.
In my case, I have a student loan that went into default a few years ago when my husband lost his job.
In trying to work with this company I have found that they insist on verbal agreements and refuse to provide any documentation regarding the debt, payments made, or any agreements made. My experience has been that they will make a verbal agreement regarding payment, allow you to make a few payments, then call demanding the full amount and denying that any agreement was ever made. This is when they tell you that the person you'd been talking to and working with for the past few months in no longer with the company, so is not available to verify the arrangement.
Any attempt to request verification or documentation of the debt or payments results in immediate transfer to the "Garnishment" department where they threaten you with immediate legal action.
I am extremely committed to resolving this debt. Since Sept. my balance has dropped from $25,000 to $17,000 through a combination of my monthly payments and our fed. income tax return. If this incident had happened ONCE I would have written it off as a bad employee. It has now happened TWICE in exactly the same way both times. This is no longer a bad employee...this is a company with a history of disreputable tactics.
I will be contacting the DOE (again), as well as the State Attorney General and a local lawyer. I want to pay this debt, but I refust to be abused at their whim.
In my case, I have a student loan that went into default a few years ago when my husband lost his job.
In trying to work with this company I have found that they insist on verbal agreements and refuse to provide any documentation regarding the debt, payments made, or any agreements made. My experience has been that they will make a verbal agreement regarding payment, allow you to make a few payments, then call demanding the full amount and denying that any agreement was ever made. This is when they tell you that the person you'd been talking to and working with for the past few months in no longer with the company, so is not available to verify the arrangement.
Any attempt to request verification or documentation of the debt or payments results in immediate transfer to the "Garnishment" department where they threaten you with immediate legal action.
I am extremely committed to resolving this debt. Since Sept. my balance has dropped from $25,000 to $17,000 through a combination of my monthly payments and our fed. income tax return. If this incident had happened ONCE I would have written it off as a bad employee. It has now happened TWICE in exactly the same way both times. This is no longer a bad employee...this is a company with a history of disreputable tactics.
I will be contacting the DOE (again), as well as the State Attorney General and a local lawyer. I want to pay this debt, but I refust to be abused at their whim.
Posted by John2000 on 2006-06-01:
ALWAYS work with original creditor for a payment plan.
Nasty debt collectors like G C Services are the low life people. Because some decent debt collectors make professional conversations and work towards any workable payment plan.
Ofcourse debt collectors make money as a percentage of the collection, and G C Services takes the lowest paths to achieve it. Don't pay anything to G C Services instead work with citi. Tell the person calling from G C in rather harsh voice not to call you again and you are working with citi. If they keep bothering you tell them that you will take the legal route and you may do so if it gets worse.
Nasty debt collectors like G C Services are the low life people. Because some decent debt collectors make professional conversations and work towards any workable payment plan.
Ofcourse debt collectors make money as a percentage of the collection, and G C Services takes the lowest paths to achieve it. Don't pay anything to G C Services instead work with citi. Tell the person calling from G C in rather harsh voice not to call you again and you are working with citi. If they keep bothering you tell them that you will take the legal route and you may do so if it gets worse.
Posted by John2000 on 2006-06-01:
DONT PAY ANYTHING TO G C SERVICES
Posted by athomass on 2006-06-06:
CLASS ACTION LAWSUIT FILED
Please be advised that a nationwide class action lawsuit was filed last year against GC Services in San Diego, California [Thomason, et. al. v. GC Services, US District Court, Southern District of California, Case No. 05cv940]. You may be a class member in this lawsuit if you have ever spoken to a GC Services employee via telephone (for any reason, and no matter how long the call lasted). It does not matter whether you actually owe a debt to anyone, only that you had at least one telephone conversation with GC Services.
What is this lawsuit about? In short, the lawsuit alleges that GC Services routinely places telephone calls to, and accepts telephone calls from, consumers who allegedly owe debts that GC Services is attempting to collect. The lawsuit further alleges that GC Services secretly monitors and records these telephone conversations without the permission of these consumers.
The above conduct by GC Services, if true, is a crime in the State of California and approximately 16 other states. In California, victims of this crime may receive damages of $5,000.00 -- per violation. Other states also allow recovery of money damages for such violations, but the amounts of recovery vary from state to state.
GC Services above conduct is also a violation of the FDCPA for which there is a $1,000.00 recovery. Specifically, it is false and deceptive when GC Services does not tell consumers they are monitoring and recording telephone calls. Indeed, consumers would be far less likely to talk to GC Services employees if they knew that their calls were being monitored and recorded. This is especially true when one considers that sensitive information is often disclosed by consumers during these telephone calls (e.g. social security numbers, bank information, credit card info, etc.). Like most collection agencies, there is a high turnover rate with GC Services employees, thus increasing the likelihood of identity theft involving these consumers.
How do I know all of this information? I am one of the named plaintiffs in the lawsuit. GC Services admitted to me that it monitored my telephone call (I did not owe the debt), but never informed me that they were monitoring my call until after I thought to ask them if they were doing so. GC Services brags on its website that it monitors and records over 100,000 telephone calls throughout the United States each year.
You are a class member and may be entitled to recover money damages if: 1) you had at least one telephone conversation with GC Services at anytime from May 4, 2004 to present; 2) the GC Services employee did not tell you that your call may be monitored or recorded at the beginning of the conversation; and 3) you live in the United States or Puerto Rico.
If you meet the above criteria, or know anyone that does, I respectfully ask that you please contact my attorneys and share your experiences so that they can certify a national class on behalf of all consumers. This is a very, very, bad company and I believe it has caused, and it continues to cause, a lot of harm to innocent consumers throughout the United States; GC Services must be stopped.
The contact information for my attorneys is as follows:
Robert E. Schroth Sr., Esq.
Robert E. Schroth Jr., Esq.
Schroth & Schroth, LLC
2044 First Avenue, Suite 200
San Diego, CA 92101
Telephone: (619) 233-7521
Facsimile: (619) 233-4516
Email: gcclassaction@sbcglobal.net
Robert L. Arleo, Esq.
The Law Offices of Robert L. Arleo
1375 Broadway, Third Floor
New York, New York 10018
Telephone: (646) 278-5648
Email: gcclassaction@sbcglobal.net
Please also feel free to reply directly to me if you have any questions or need additional information about this case. I am more than happy to send you an electronic copy of the complaint and other pleadings and papers on file in this case or otherwise provide you with additional details and information you may need.
Thank you.
Andy T.
Please be advised that a nationwide class action lawsuit was filed last year against GC Services in San Diego, California [Thomason, et. al. v. GC Services, US District Court, Southern District of California, Case No. 05cv940]. You may be a class member in this lawsuit if you have ever spoken to a GC Services employee via telephone (for any reason, and no matter how long the call lasted). It does not matter whether you actually owe a debt to anyone, only that you had at least one telephone conversation with GC Services.
What is this lawsuit about? In short, the lawsuit alleges that GC Services routinely places telephone calls to, and accepts telephone calls from, consumers who allegedly owe debts that GC Services is attempting to collect. The lawsuit further alleges that GC Services secretly monitors and records these telephone conversations without the permission of these consumers.
The above conduct by GC Services, if true, is a crime in the State of California and approximately 16 other states. In California, victims of this crime may receive damages of $5,000.00 -- per violation. Other states also allow recovery of money damages for such violations, but the amounts of recovery vary from state to state.
GC Services above conduct is also a violation of the FDCPA for which there is a $1,000.00 recovery. Specifically, it is false and deceptive when GC Services does not tell consumers they are monitoring and recording telephone calls. Indeed, consumers would be far less likely to talk to GC Services employees if they knew that their calls were being monitored and recorded. This is especially true when one considers that sensitive information is often disclosed by consumers during these telephone calls (e.g. social security numbers, bank information, credit card info, etc.). Like most collection agencies, there is a high turnover rate with GC Services employees, thus increasing the likelihood of identity theft involving these consumers.
How do I know all of this information? I am one of the named plaintiffs in the lawsuit. GC Services admitted to me that it monitored my telephone call (I did not owe the debt), but never informed me that they were monitoring my call until after I thought to ask them if they were doing so. GC Services brags on its website that it monitors and records over 100,000 telephone calls throughout the United States each year.
You are a class member and may be entitled to recover money damages if: 1) you had at least one telephone conversation with GC Services at anytime from May 4, 2004 to present; 2) the GC Services employee did not tell you that your call may be monitored or recorded at the beginning of the conversation; and 3) you live in the United States or Puerto Rico.
If you meet the above criteria, or know anyone that does, I respectfully ask that you please contact my attorneys and share your experiences so that they can certify a national class on behalf of all consumers. This is a very, very, bad company and I believe it has caused, and it continues to cause, a lot of harm to innocent consumers throughout the United States; GC Services must be stopped.
The contact information for my attorneys is as follows:
Robert E. Schroth Sr., Esq.
Robert E. Schroth Jr., Esq.
Schroth & Schroth, LLC
2044 First Avenue, Suite 200
San Diego, CA 92101
Telephone: (619) 233-7521
Facsimile: (619) 233-4516
Email: gcclassaction@sbcglobal.net
Robert L. Arleo, Esq.
The Law Offices of Robert L. Arleo
1375 Broadway, Third Floor
New York, New York 10018
Telephone: (646) 278-5648
Email: gcclassaction@sbcglobal.net
Please also feel free to reply directly to me if you have any questions or need additional information about this case. I am more than happy to send you an electronic copy of the complaint and other pleadings and papers on file in this case or otherwise provide you with additional details and information you may need.
Thank you.
Andy T.
Posted by GIPSYWING on 2006-06-23:
FOR YOUR INFORMATION......................March 12, 1987
GC Services Corp., a Texas-based debt collection agency, has
asked the Federal Trade Commission to reopen and set aside a 1974
consent order.
GC Services is a debt collection agency for businesses
throughout the United States.
An FTC complaint, issued with the consent, had charged the
company used unfair and deceptive practices in attempting to
collect debts. The 1974 order, modified in 1978 and 1983,
prohibited GC Services from using such practices and imposed
restrictions on GC Services' acceptance of debtors' post-dated
checks.
The petition will be subject to public comment for 30 days,
until April 13. Comments should be addressed to Office of the
Secretary, Federal Trade Commission, 6th St. and Pennsylvania
Ave. N.W., Washington, D.C. 20580. A Federal Register notice
announcing the comment period will be published shortly.
Copies of the petition to reopen and set aside the order are
available from the FTC's Public Reference Branch, Room 130, 6th
St. and Pennsylvania Ave. N.W., Washington, D.C. 20580; 202-326-
2222; TTY 202-326-2502.
# # #
MEDIA CONTACT: Dee Ellison, Office of Public Affairs, 202-326-
2177
STAFF CONTACT: George T. O'Brien, Bureau of Consumer Protection,
202-326-2972
FTC File No. C-2511
[gcservices]
GC Services Corp., a Texas-based debt collection agency, has
asked the Federal Trade Commission to reopen and set aside a 1974
consent order.
GC Services is a debt collection agency for businesses
throughout the United States.
An FTC complaint, issued with the consent, had charged the
company used unfair and deceptive practices in attempting to
collect debts. The 1974 order, modified in 1978 and 1983,
prohibited GC Services from using such practices and imposed
restrictions on GC Services' acceptance of debtors' post-dated
checks.
The petition will be subject to public comment for 30 days,
until April 13. Comments should be addressed to Office of the
Secretary, Federal Trade Commission, 6th St. and Pennsylvania
Ave. N.W., Washington, D.C. 20580. A Federal Register notice
announcing the comment period will be published shortly.
Copies of the petition to reopen and set aside the order are
available from the FTC's Public Reference Branch, Room 130, 6th
St. and Pennsylvania Ave. N.W., Washington, D.C. 20580; 202-326-
2222; TTY 202-326-2502.
# # #
MEDIA CONTACT: Dee Ellison, Office of Public Affairs, 202-326-
2177
STAFF CONTACT: George T. O'Brien, Bureau of Consumer Protection,
202-326-2972
FTC File No. C-2511
[gcservices]
Posted by GIPSYWING on 2006-06-23:
From the FTC.Gov website
They have a history !
FOR YOUR INFORMATION......................March 12, 1987
GC Services Corp., a Texas-based debt collection agency, has
asked the Federal Trade Commission to reopen and set aside a 1974
consent order.
GC Services is a debt collection agency for businesses
throughout the United States.
An FTC complaint, issued with the consent, had charged the
company used unfair and deceptive practices in attempting to
collect debts. The 1974 order, modified in 1978 and 1983,
prohibited GC Services from using such practices and imposed
restrictions on GC Services' acceptance of debtors' post-dated
checks.
The petition will be subject to public comment for 30 days,
until April 13. Comments should be addressed to Office of the
Secretary, Federal Trade Commission, 6th St. and Pennsylvania
Ave. N.W., Washington, D.C. 20580. A Federal Register notice
announcing the comment period will be published shortly.
Copies of the petition to reopen and set aside the order are
available from the FTC's Public Reference Branch, Room 130, 6th
St. and Pennsylvania Ave. N.W., Washington, D.C. 20580; 202-326-
2222; TTY 202-326-2502.
# # #
MEDIA CONTACT: Dee Ellison, Office of Public Affairs, 202-326-
2177
STAFF CONTACT: George T. O'Brien, Bureau of Consumer Protection,
202-326-2972
FTC File No. C-2511
[gcservices]
They have a history !
FOR YOUR INFORMATION......................March 12, 1987
GC Services Corp., a Texas-based debt collection agency, has
asked the Federal Trade Commission to reopen and set aside a 1974
consent order.
GC Services is a debt collection agency for businesses
throughout the United States.
An FTC complaint, issued with the consent, had charged the
company used unfair and deceptive practices in attempting to
collect debts. The 1974 order, modified in 1978 and 1983,
prohibited GC Services from using such practices and imposed
restrictions on GC Services' acceptance of debtors' post-dated
checks.
The petition will be subject to public comment for 30 days,
until April 13. Comments should be addressed to Office of the
Secretary, Federal Trade Commission, 6th St. and Pennsylvania
Ave. N.W., Washington, D.C. 20580. A Federal Register notice
announcing the comment period will be published shortly.
Copies of the petition to reopen and set aside the order are
available from the FTC's Public Reference Branch, Room 130, 6th
St. and Pennsylvania Ave. N.W., Washington, D.C. 20580; 202-326-
2222; TTY 202-326-2502.
# # #
MEDIA CONTACT: Dee Ellison, Office of Public Affairs, 202-326-
2177
STAFF CONTACT: George T. O'Brien, Bureau of Consumer Protection,
202-326-2972
FTC File No. C-2511
[gcservices]
Posted by athomass on 2006-07-02:
Thanks for the info Gipsywing. Yeah, it does appear that GC Services has a very long history. This is a very nasty and crooked company.
You might also like to know that they monitor calls and perform services for a lot of Fortune 500 companies. Very scary stuff.
You might also like to know that they monitor calls and perform services for a lot of Fortune 500 companies. Very scary stuff.
Posted by Frenchie on 2006-07-03:
Do NOT send any money to GC Services -- you then open the account -- long story as to how this all works legally.
You don't want to be a dead beat but sometimes you are legally better off in not paying
Ejack is correct in saying go to : www.budhibbs.com and
you will get help, I know for I have had correspondence with Bud Hibbs. He is a great guy. Sorry DebtorBasher, but you are incorrect as to Bud Hibbs, he has helped thousands of people thru the years. I highly recommend his website -- just follow the instructions given.
You don't want to be a dead beat but sometimes you are legally better off in not paying
Ejack is correct in saying go to : www.budhibbs.com and
you will get help, I know for I have had correspondence with Bud Hibbs. He is a great guy. Sorry DebtorBasher, but you are incorrect as to Bud Hibbs, he has helped thousands of people thru the years. I highly recommend his website -- just follow the instructions given.
Posted by woody1 on 2006-10-04:
I have problems with GC Services too. They seem to not care about the consequences of their actions. Although my situation is a bit different than many of those posted. In researching the resolution to the problem I came across this web site. I appreciate the posting by athomass of 06/06/06 regarding the class action lawsuit. I clicked on the link and sent a letter to the attorneys. I can assure everyone this is legitimate. The law office has been very responsive and pro-active in contacting me with follow-up information. While they cannot and do not make any implications of success or awards of damages, I do believe they are aggressive in their pursuit of this matter and they will prevail. Contacting the law office of Robert E. Schroth Sr., Esq. via e-mail at gcclassaction@sbcglobal.net is something that you should do straight away as the time remaining to join the suit is limited.
I would also suggest that anyone having problems with GC services (or any other collection agency, take the time to review applicable law under the Fair Debt Collection Practices Act and the Fair Debt Collection Practices Act. You will probably find quite a few violations by most agencies. Commit any dialog to writing, send certified mail and demand from them the same.
I would also suggest that anyone having problems with GC services (or any other collection agency, take the time to review applicable law under the Fair Debt Collection Practices Act and the Fair Debt Collection Practices Act. You will probably find quite a few violations by most agencies. Commit any dialog to writing, send certified mail and demand from them the same.
Posted by DAT_CHICK_FROM_GC on 2006-12-12:
LISTEN GC SERVICES IS LEGIT YALL IGNORANT ADULTS NEED 2 PAY UR BILLS I WORK 4 THEM AND WE DONT GET RUDE WIT YALL, YOU GET RUDE WITH US AND YOU NEED TO STEP UP AS AN ADULT AND PAY YOUR BILLS AND LIVE THE SOB "I CAN'T PAY MY BILLS RIGHT NOW" STORY HOME ANS STEP UP IM 18 AND ACT MORE GROWN THAN YALL GROW THE HELL UP AND PAY YOUR DAMN BILLS!!!!!!!!! CASE CLOSED
Posted by dat FORMER gc gal on 2007-01-04:
From her tone here, you can tell the young 'un that posted before me is a vile collections agent! I worked for GC Services briefly and I know firsthand the tactics used to bully people into paying them. I DON'T work for them anymore because that they terminated my employment while I was on FMLA. It was much easier to find employment with a reputable company rather than spend the rest of my life trying to get GC to do right! (That's Family Medical Leave Act for those who don't know, and violating it is a FEDERAL offense.) If a company has no regard for Federal Law, why would they have any consideration for the common man?
Posted by creditwrench on 2007-04-01:
Who said they have to accept payments of any kind?
Please show me the law that says 3rd party debt collectors cannot demand payment of the debt in full.
Please show me the law that says that if the debtor sends a 3rd party debt collector a partial payment it must be accepted by the collector.
Also please show me the law that says that debtors can refuse to deal with 3rd party debt collectors by sending them a cease & desist letter as taught by one of America's most dangerous teachers known as Bud Hibbs?
Please show me the law that says 3rd party debt collectors cannot demand payment of the debt in full.
Please show me the law that says that if the debtor sends a 3rd party debt collector a partial payment it must be accepted by the collector.
Also please show me the law that says that debtors can refuse to deal with 3rd party debt collectors by sending them a cease & desist letter as taught by one of America's most dangerous teachers known as Bud Hibbs?
Posted by The Mortar on 2009-04-28:
Dear Creditwrench, you are correct about the first two. Debt collectors can ask for anything they want. A person should never pay a debt collector. This is the LAW on the third, 15 USC 1692d. This says, stop contacting me. The next paragraph is about harassment which is punishable by law. By the way, everyone should research these companies on-line because I have found more often then not, they are under investigation and have class action suits pending.
Posted by Talk360 on 2010-02-04:
I was told in Kansas at least $10 bucks or more is the lowest min limitation accepted any less amount gets sent back how could i see for sure? I know ppl will accept what they want to take but it never hurts to try that's a payment right something is better than nothing. Also for all the creditors thinking ppl need to act like adults & do the responsible thing here's what i think. You should take MAIL in payments if ppl could get a money order or a cashier check companies would for sure have there money Id pay extra postage for the delivery status. All companies should have to accept any mail payments we didn't have auto pay like this 50yrs ago ppl did just fine. If collectors don't want a sob story they shouldn't ask why the payment is late to begin with! And do there JOBS try to help consumers not degrade them.
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