Mensan Posted July 30, 2008 Report Share Posted July 30, 2008 Last September I received a call from a debt collector demanding payment in full for a $1033 debt from 2000. After the call they sent the following letter (click for big): http://www.perryjoshua.com/Exchange/CAsm.jpg Today I received a check from them for $871. Let me know if you would like to know more. Quote Link to comment Share on other sites More sharing options...
Rookie84 Posted July 30, 2008 Report Share Posted July 30, 2008 I read the letter twice to get what was going on, and I don't get it. Please do explain Quote Link to comment Share on other sites More sharing options...
cptn janks Posted July 30, 2008 Report Share Posted July 30, 2008 i like how you blurred out the city part of your address, but not the zip code. hopefully no one knows 43085 is worthington oops i just let the cat out of the bag. Quote Link to comment Share on other sites More sharing options...
TheHaze Posted July 30, 2008 Report Share Posted July 30, 2008 i like how you blurred out the city part of your address, but not the zip code. hopefully no one knows 43085 is worthington oops i just let the cat out of the bag. Yeah, now it'll be easy to find him!!1 Quote Link to comment Share on other sites More sharing options...
MrMeanGreen Posted July 30, 2008 Report Share Posted July 30, 2008 I know how. Details at 11. Quote Link to comment Share on other sites More sharing options...
88lx5oh Posted July 30, 2008 Report Share Posted July 30, 2008 im interested on how this worked out lol Quote Link to comment Share on other sites More sharing options...
Devils Advocate Posted July 30, 2008 Report Share Posted July 30, 2008 .....Did.... You.... Nag them into submission? *runs from angry mob of anti-bigots* Quote Link to comment Share on other sites More sharing options...
NTHER91 Posted July 30, 2008 Report Share Posted July 30, 2008 please do tell Quote Link to comment Share on other sites More sharing options...
Mensan Posted July 30, 2008 Author Report Share Posted July 30, 2008 .....Did.... You.... Nag them into submission? Actually, yes. I let them break the law and recorded every time they did it; either by copying every document sent between us, or recording every phone conversation that we had. Once they had racked up several violations, I filed a complaint with the Attorney General of Ohio. My complaint demanded that the debt be wiped out (in writing) and confirmation that the debt not be sold or given to any other debt collection agency for collection. I also demanded statutory damages for violation of FDCPA. They gave me everything but the money, and stated in their letter that they denied any allegations of illegal tactics. I filed my lawsuit the same day I received that letter, seeking statutory damages under FDCPA. Once I had filed my lawsuit I negotiated with their lawyer (If you file a suit in small claims court, a corporation MUST hire counsel; they are not allowed to represent themselves) for settlement. They attempted to settle for half of what my judgment would have been, but I negotiated 80%. They hired their counsel the day before our trial. Had they not shown up I would have asked for a restraining order against the company (since they attempted to collect after cease and desist, and also after their letter stating they would not attempt to collect), and I also would have sued the company that issues their bond allowing them to be licensed to collect. I would also enforce my judgment with a garnishment of their wages. I did not hire an attorney. I handled this entire case Pro Se. Quote Link to comment Share on other sites More sharing options...
HAOLE Posted July 30, 2008 Report Share Posted July 30, 2008 Good job! Quote Link to comment Share on other sites More sharing options...
TimTaylor751647545500 Posted July 30, 2008 Report Share Posted July 30, 2008 Why didn't you pay the bill back in '00? j/k Quote Link to comment Share on other sites More sharing options...
Devils Advocate Posted July 30, 2008 Report Share Posted July 30, 2008 Thats ballin. Quote Link to comment Share on other sites More sharing options...
Mensan Posted July 30, 2008 Author Report Share Posted July 30, 2008 Why didn't you pay the bill back in '00? I didn't have any outstanding debt from 2000. It was fraudulent. Quote Link to comment Share on other sites More sharing options...
Dr. Pomade Posted July 30, 2008 Report Share Posted July 30, 2008 Impressive. Quote Link to comment Share on other sites More sharing options...
HAOLE Posted July 30, 2008 Report Share Posted July 30, 2008 Do you mind sharing part of the fair debt collection act they broke? Quote Link to comment Share on other sites More sharing options...
04silvrz Posted July 30, 2008 Report Share Posted July 30, 2008 i need to do this. Quote Link to comment Share on other sites More sharing options...
shm21284 Posted July 30, 2008 Report Share Posted July 30, 2008 Great work! Are you an attorney? Quote Link to comment Share on other sites More sharing options...
Adam Posted July 30, 2008 Report Share Posted July 30, 2008 Great work! Are you an attorney? no just really really mean! Quote Link to comment Share on other sites More sharing options...
Putty Posted July 30, 2008 Report Share Posted July 30, 2008 Nice work! Quote Link to comment Share on other sites More sharing options...
BloodRed Posted July 30, 2008 Report Share Posted July 30, 2008 I am also interested in knowing what FDCPA laws they broke. Most of the time the fines and violations that a collection agency gets for someone breaking the FDCPA does not go to the debtor, but to the government. My wife has worked in collections for over 6 years now. But hey, way to go sticking it to the man and going after them for breaking the laws they are trained to follow. Quote Link to comment Share on other sites More sharing options...
TTQ B4U Posted July 30, 2008 Report Share Posted July 30, 2008 No, he just plays one on CR Well done. Great work! Are you an attorney? Quote Link to comment Share on other sites More sharing options...
Guest tbutera2112 Posted July 30, 2008 Report Share Posted July 30, 2008 i like how you blurred out the city you live in, but left the last 4 digits of your SS # Quote Link to comment Share on other sites More sharing options...
Putty Posted July 30, 2008 Report Share Posted July 30, 2008 i like how you blurred out the city you live in, but left the last 4 digits of your SS # What can you do with those? Quote Link to comment Share on other sites More sharing options...
HAOLE Posted July 30, 2008 Report Share Posted July 30, 2008 i like how you blurred out the city you live in, but left the last 4 digits of your SS # Accurint will give me the first five digits. I think I will go shopping next week. Quote Link to comment Share on other sites More sharing options...
evan9381 Posted July 30, 2008 Report Share Posted July 30, 2008 if he sent a cease and desist, and they continued to contact him, thats a direct violation of the FDCPA. i had a guy i worked with sent a company a C&D over a 4k bill or so, kept the receipt from the fax, they tried to contact him again, he showed them a copy of the fax with the date, and let them know if it wasn't wiped out, he was going to sue them...it was gone shortly after Quote Link to comment Share on other sites More sharing options...
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