Comments on: Scavenger Debt Collectors

By: Mad one

Mad one — Mon, 07 Jun 2010 17:57:48 +0000

So I just got a call from one of these Company claiming they where a law firm asking if I had received a summons and that they had been retianed to sue to collect a debt. This is what I did I had there # on caller ID. 1st I informed them that I never have had any business dealing’s with the company they where collecting for ( actually I haven’t) I also informed them that I had declared Bankruptcy since the date they claimed the debt originated ( unfortunately true). i also told them that I had received a call very similar to this one claiming that I owed the company last year, also claiming that they where going to sue and that the Statute of limitation had run out long ago. They said that they would pass my information to a lawyer and ended the call.
I then did a reverse phone look up on there #. When I called it back from a blocked # it went directly to voice mail so I left message claiming I was an investigator with the federal trade commission and asked them to call me back so we could resolve the matter in a timely manner. Of course the phone number I left was the contact number for the federal trade commission.
This was the 2nd call that I had received like this the last one about a year ago never called back hopefully this one wont either.

By: The Frugal Housewife

The Frugal Housewife — Sat, 14 Mar 2009 21:55:12 +0000

Hi Connie,

The Cease and Desist Letter that I sent for my hubby was one that I had written. It ended up being over three pages long because there were numerous violations of the FDCPA that were broken and I tend to quote alot of the Sections of the FDCPA.

You might want to try this form letter. I’m not too crazy about the part in there that talks about the criminal charges, but then again, I’m not an expert in this field. If you do decide to send one like this, I suggest sending it both certified and regular snail mail. This is so that if they decline the certified and the snail mail one doesn’t come back to you, then you know they received it. Be sure and put it in the letter at the top something like this:
Via Certified Mail and Regular U.S. Postal Mail.

Hope this helps!!!

By: Connie

Connie — Thu, 12 Mar 2009 15:39:53 +0000

Hi there:
In a recent article you spoke about a letter that you sent for your husband on Cease and Desist. Can you guide me on where I can find an example of how to put together a letter like this? I want to make sure I get all the right wording, codes, etc.
Thanks,
Connie

By: Terri

Terri — Sun, 01 Mar 2009 11:16:55 +0000

Isn’t that against the law? I would also report them to the Fair credit reporting bureau, atty general of your state, and any other bureau you can and “threaten” them with that info that you are reporting them!

If the law states a statute of limitations how do they get away with that??

Thanks for the post!

By: The Frugal Housewife

The Frugal Housewife — Mon, 23 Feb 2009 02:55:20 +0000

Hi Rick,

Thanks for the comment. One of the attorneys I worked for actually was an attorney for the reputable debt collectors and then another that I worked for was one that would help people deal with the debt collectors that were known as the scavenger debt collectors.

I read your comment to my hubby because we’ve been having a lot of discussions about the letter that I’m still editing. It has not been easy to convince him that this is the thing that he needs to do, but after reading him your comment, he’s now ready for the final version of the letter and we’re going to send it tomorrow.

The scavenger debt collector just made their nightly call — 8:50 pm on a Sunday night. I told my hubby that the letter definitely has to go tomorrow. Their calls are getting closer together and they are doing more of the hang up calls than ever. This call tonight had their name and number on the caller id.

JT Locke
The Frugal Housewife

By: Rick Vaughn

Rick Vaughn — Sun, 22 Feb 2009 23:32:16 +0000

Your 100% right with this information. I’m myself a debt collector but for a reputable company (if you can believe that).

What’s crazy about this is the amount of people that actually pay on these old debts. What some people don’t understand that when you admit owing the debt you can actually restart the statue of limitation which is what they are trying to get you to do.

A Cease & Desist Letter should be sufficient to shut these guys up. Keep us updated!