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And by all means, get yourself any cheap phone recording device (check online or in ebay or Radio Shack) and record all your conversations with these people...If these people are legit, you might be $1000 richer when is all said and done!
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So my advice to all of you…if you owe money, pay it. If you are having a tough time to meet ends, then call the original lender and try to come up with a solution. Research and learn your rights! If you owe money and they threaten to take you to court…then don’t worry and go to court! The court is not there to be against you…the court is there to make a fair decision! They will determine who is right and who is wrong and if you lose the case, they will determine how much you should pay or even come up with a fair payment plan. Don’t let these crooks scare you and by all means, do not send them any money! If they are legit, don't be affraid and let them take you to court. No harm done! You cannot go to jail for credit debt!
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(This is obviously part of their scare tactic so that you feel that you did something wrong and to show you who is in control). So I was not going to call back, but I had to do it if I wanted to get any information from these people. When I called back I was then transferred to another person. This person told me that this is concerning an old debt of X amount of dollars. She said that they have tried numerous times to contact me … (this is not true)…and that since I did not respond on a timely manner, they have been obligated by their client (the bank) to take me to court.
This is clearly all very shady, but I am the type of person that does not like to ignore things. I need to investigate!
This is how I proceeded…
I called my labor union’s attorney and explained the situation. He promised to investigate. He later called me and told me what he found out… It turns out that these people have given “their” address to some “defendants” to send correspondence. That address is
1191 Magnolia Avenue, Suite D-396, Corona, CA 92879
The funny thing is that when he checked that address, it belongs to a UPS pick-up and delivery location!!! So now there is another reason to believe this is a shady operation.
My attorney also went over everything I told him and cleared the air for me. If these people are legit (and I very much doubt it), we can clearly sue them because I had enough proof with the recordings that they have violated my rights under the FDCPA!!! He told me that we can sue them for a maximum of $1000. I am willing to tell him to go ahead and keep all of the money as compensation. Now we need to find out where they are physically located and if they have a legit company. ....Continued on next post...
I am not writing here to give legal advice, or to tell you what to do. I can only speak from my own experience.
Finally I was able to close the matter with these people. My ordeal with them started as they began making repeated annoying calls to friends and family members of mine. These calls were random and all violated my privacy by telling my friends and family members that I owed money and that if I did not respond within a couple of hours, they would take me to court and I could end up in jail. Thankfully, one of the first people they called was my brother and him being the gadget freak, he recorded the whole conversation!
My brother let me hear the recording and it is true that they disclosed to him that I “owed” money and that they will be serving me papers to go to court and likely go to jail. This by itself is a violation of the Fair Debt Collections Partnership act.
I decided to follow up because even though it sounded fishy, I wanted to know who has it for me!
I wanted to record the conversation like my brother did for my records. I wanted to make sure that I would not do anything illegal so I researched and found out that in my state and most states of the Union, you ARE allowed to record a phone conversation as long as “one” of the parties knows about it…Since I am “one” of the parties, it gave me the legal right to do so!
So with my radio shack phone recorder recording I decided to give this people a call …
I called the number and the person who answered was polite but unprofessional. She did not state the name of her company. They claim to be Global Services from California. They refused to give me any more details. I gave her my “case number” and she transferred me to my “assigned” person. I was then transferred to “Amy Smith”. I politely asked her to give me more information and she got defensive and told me “Good Luck in court” and hung up the phone forcefully! ...Continued on the next post....
I am not writing here to give legal advice, or to tell you what to do. I can only speak from my own experience.
Finally I was able to close the matter with these people. My ordeal with them started as they began making repeated annoying calls to friends and family members of mine. These calls were random and all violated my privacy by telling my friends and family members that I owed money and that if I did not respond within a couple of hours, they would take me to court and I could end up in jail. Thankfully, one of the first people they called was my brother and him being the gadget freak, he recorded the whole conversation!
My brother let me hear the recording and it is true that they disclosed to him that I “owed” money and that they will be serving me papers to go to court and likely go to jail. This by itself is a violation of the Fair Debt Collections Partnership act.
I decided to follow up because even though it sounded fishy, I wanted to know who has it for me!
I wanted to record the conversation like my brother did for my records. I wanted to make sure that I would not do anything illegal so I researched and found out that in my state and most states of the Union, you ARE allowed to record a phone conversation as long as “one” of the parties knows about it…Since I am “one” of the parties, it gave me the legal right to do so!
So with my radio shack phone recorder recording I decided to give this people a call …
I called the number and the person who answered was polite but unprofessional. She did not state the name of her company. They claim to be Global Services from California. They refused to give me any more details. I gave her my “case number” and she transferred me to my “assigned” person. I was then transferred to “Amy Smith”. I politely asked her to give me more information and she got defensive and told me “Good Luck in court” and hung up the phone forcefully! ...Continued on the next post....