Receivables Performance Management Rotten Collectors violating FDCPA and FCRA while Verizon hides behind them Bothell Washington

How funny that all of you want to complain but when we call you people are as rude as you can possibly be, if you dont hang up on us at the first sign of it being a bill collector. How funny that you bring up the fdcpa but when you get us on the phone your everything you can to get us to violate it hence your recording of the calls. You dont record the conversations to protect yourself, you record it so that you can catch us slipping and try to sue us. And another thing how come all of these people complaining have still yet to pay their delinquent bills. If you would have set up some type of arrangements the first time we called we wouldnt have called you sixty more times. And why do you think we request payments by phone? Because you werent trust worthy enough to send in your payment when it was delinquent to begin with. So please dont catch an attitude with us because we are calling you out about your delinquent account, take responsiibility, pay your bill and go on with your life. Stop making things more difficult than they have to be. We understand that things happen but we didnt make them happen and because your are going through it doesnt mean that your bills go away, and we have a job to do, so stop making it so difficult. And FOR ALL YOU WRONG NUMBERS, WE CANT GUESS THAT WE ARE CALLING THE WRONG NUMBER SO EITHER YOU TELL US OR WE GOING TO CONTINUE CALLING. DOES THAT MAKE THINGS EASIER? THE SAME AMOUNT OF TIME YOU SPEND ON HERE RANTING AND RAVING YOU COULD SHOWING US SOME COURTESY AND TELLING US WRONG NUMBER. SO IN CLOSING HAVE A GOOD DAY AND PAY YOUR BILLS.

RPM has been harassing us as well. Funny how one of their stoogies come on here actually trying to defend themselves. They are one of the worst companies for debt collection and have broken the law countless times (Makes me wonder how they are still in business!).

You will GET respect when you GIVE respect. Example:

1. When you call me you better have a LIVE person on the other end. I'm not going to hold 5 minutes on a recording and hope maybe someone will actually pick up on the other end. YOU called me, why would I hold for you?

2. Don't pretend you are "friends" with anyone who lives here or is a relative of ours. You've done this to us and frankly, it's rude and illegal. When we ask you to identify yourselves, don't act like you're a friend. You will identify yourself with not just your name but your company name as well. And i've already had to ask three times before you finally gave us your company name and you gave it to us extremely rudely and treated us like we were retarded for asking such a simple question. DON'T CALL US THEN! and when you insult us you WILL BE HUNG UP ON!

3. When we give you our attorney information you are bound by the law not to contact us again after that time. Learn the law and quit with your lame autodialers and illegal activities.

4. Treat the people who you are trying to collect from with decency and respect. You've treated us with NEITHER. Instead of coming on here and ripping on people whom you've called maybe you should attempt to understand the circumstances people are in and work with them to get the situation resolved. By coming on these boards and being a prick, you accomplish NOTHING and you will NEVER get paid. Period! For example - We have alot of unpaid bills and we are working with an attorney on a payback plan (Chapter 13) because of my husband's mother who died of cancer - she did not leave a will (the cancer was found very late) and the bills were astronomical. We just got married, do you think we can afford all of those expenses? Did we even ask for those expenses? NO. Maybe you should think things through before you open your big mouth.

I hope Receivables Performance Management DIAF...

You people are crazy, about 90% of us follow the rules, some people just are having a bad day from the relentless, screaming, swearing, negativity, disrespect, and profanity of an illiterate, un-educated, dumbass dead beat debtor.. 

First off. I wish to say that this posting is not intended to be demeaning or as a "put-down" of debt collectors.  Debt collectors certainly do not have a job I would consider enviable, but nevertheless they do have a specific job to perform.  My intent with this posting is solely for enlightenment of both the debtor and debt collector, as well as, others out there on both sides of the fence, so to speak.

May I suggest the "collector" more closely scrutinize the provisions of the FDCPA which I have pasted a portion of below (applicable to the postings you and the debtor have exchanged here on ROR).  This is taken directly from the federal government's website.  You are most certainly in violation of the provisions of this law if you are continuing to communicate with the debtor after being made aware of the fact said debtor has retained an attorney. 

This applies regardless of whether you became aware of the debtor having legal counsel from the debtor themselves or through any third-party entity you may have communicated with in order to ascertain information about the debtor.  You are also required by this law to identify yourself, the business entity's name you are communicating on behalf of, and to specifically inform the debtor that your communique, whether by phone, email, or any other means is for the purpose of attempting to collect a specific debt (or debts).

This section of the FDCPA is but one small portion.  There are a number of subsequent sections which apply to both the debt collectors & the debtor, including the use of abusive & threatening tactics, misrepresentation, etc.

§ 804. Acquisition of location information

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall—

(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;

(2) not state that such consumer owes any debt;

(3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;

(4) not communicate by post card;

(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and

(6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney’s name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector.

§ 805. Communication in connection with debt collection

(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the

15 USC 1692b

15 USC 1692c6 § 805 15 USC 1692c

consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock antimeridian and before 9 o’clock postmeridian, local time at the consumer’s location;

(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney’s name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or

(3) at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication.

(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except—

(1) to advise the consumer that the debt collector’s further efforts are being terminated;

(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or 7 § 805 15 USC 1692c

(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

(d) For the purpose of this section, the term "consumer" includes the consumer’s spouse, parent (if the consumer is a minor), guardian, executor, or administrator.

End of posting.

 

Okay, Sir to be honest, I have worked for that company for about a year total on and off for two years, I know inside and out about the FDCPA and what is allowed and not.. You are not specifically stating what the attorney is for? If the attorney is for a BANKRUPTCY, all you do is give the collector the lawyers name and number. We place a Do Not Call in our dialer system. It pushes out the calls for a month, where we contact the lawyer, find out if its chapter 7 or 13, what county it was filed in, what date, discharge date and other info.. 

Once again sir, you need to check your fact before you open your mouth.. It sounds like your coming up with a reason not to pay your debt, and using stall tactics. Every call the collector Identifies the debtor.. C- Hi John? D- Yes, C- John smith? D- Yes... The the collector says My name is ______ Im with ______, Im calling about your _______ BILL.. I need to inform you the purpose of the call is attempt to collect a debt, any information obtained will be used for that purpose, this call may be monitored or recorded for quality assurance.

We dont use abuse or threatening tactics.. You claim that it was paid off 4 years ago, the client wouldn't send us the account if it wasn't a valid debt, they sent the notice to the address which you had set up in your account. The only thing in this whole conversation that I don't agree with is a collector asking your dad to pay the bill, unless he has the same name and its a bonafide mistake (JR, SR, I, II), or your father ID himself as you, or the debtor authorized to speak with him.. Thats the only thing they may have done wrong.. I don't agree with all collectors but you cant summarize one person as all, thats stereotypical. If you have issues with it check your credit report!!! hah.. Bet its on there.. 

Sir, I spent two weeks reading the FDCPA, and each collector is tested on it every two months.. All that Paragraph states is that were allowed three contact per week, to call between 8AM-9PM, were not allowed to harrass or misrepresent the debt, which would be changing the amount, saying we are with a different company or what not.. AS FOR THE ATTORNEY, WE ARE SUPPOSE TO CONTACT THE LAWYER IF IT IS IN DIRECT RELATIONSHIP TO THE BILL. 95% of the time its bankruptcy.. Unless your attorney is paying your bill.. Even debt consolidators dont set up arrangements or pay out to collection agencies..

THIS IS YOUR BILL, YOU GOT YOURSELF THERE, YOU VIOLATED YOUR CONTRACT THROUGH VERIZON, OR HADN'T PAID THEM TO SEND US A VALIDATED DEBT.. You need to research more before you start acting like you know what your talking about.. Obviously your a debtor and im a collector.. Enough said.. Check your credit report.. Since you didnt dispute it with Verizon after you shut off service within 30 days, or within 30 days of receiving RPMs Dunning Notice. You failed to respond to both so therefor its a valid debt. Honestly your wasting money on your attorney, RPM has millions of dollars, and probably some of the best lawyers.. 

IF you have a legitimate claim maybe they will give you $10,000 to hush.. hahah.. But honestly good luck, it could be possible, RPM is sued a lot, it happens, collectors do break the rules sometimes, but there are bonafide mistakes and most likely the judgement wont be in your favor.. You have any recorded FDCPA Violations?

Sir, I spent two weeks reading the FDCPA, and each collector is tested on it every two months.. All that Paragraph states is that were allowed three contact per week,

Another idiot debt collector makes himself look the fool!  LOL!  Obviously, reading the FDCPA for 2 weeks wasn't enough for your mighty intellect!  NO WHERE IN THE FDCPA is a specific number of contacts mentioned when attempting to collect a debt-nada, none.

Go ahead idiot, tells us specifically where in the FDCPA does it state that you are allowed three contacts per week!

Take your time moron, we'll wait.

LMAO!!!

Your stupid, maybe you should read it more.. I've read the FDPCA book like 10 times or more.. I bet I have more education then you in debt collection practices.. WE ARE ALLOWED THREE CONTACTS PER WEEK! Thats you Identifying yourself as the debtor.. I'm not sure you know what your talking about. Im not going to waste my time with a dumb @$$ like you! Pay your bills you broke piece of $h!t!

I intend to help this and any other victim of your BS put you in your place i.e. the sewer...

To the OP: Because Verizon will have nothing to do with this "debt", it likely falls under one of two categories:

1. Account is paid in full

2. Account is outside the SOL for that state

In either case, a bottom-feeding lowlife has absolutely NO title to ANYTHING. Therefore, you need to send the bottom feeder a CEASE COMMUNICATIONS letter. Budhibbs.com has a very good sample you can use to format your letter.

It is imperative that you use correct verbiage and delivery when you send this letter. Too many "Law and Order" addicts think this letter is called a "cease and desist" because it sounds cool and more "legal"...when, in fact, "cease and desist" has NO bearing on collection law. They also think tossing the Cease Communications letter in regular snail mail will suffice, when the bottom feeder will most likely chuck it in the trash and claim they never received it.

Once you have completed the TYPED (Writing and/or signing ANYTHING gives the bottom feeder an opportunity to forge your signature to documents that don't even exist yet) letter ready, send it certified mail, return receipt requested and document EVERYTHING. Once the bottom feeder receives that letter, they may contact you one time BY MAIL regarding their intentions for that "debt". 999 times out of 1000, this results in the bottom feeder scurrying off to its rat hole. After all, if Verizon can't validate this "debt", how exactly would a bottom feeder be able to?

Plus, if the bottom feeder tries to contact you subsequent to receiving that Cease Communications order and sending their one letter, they are on the hook for a $1000 fine per FDCPA violation. That's right...they would have to pay YOU for their bottom-feeding violations.

Knowledge is most definitely POWER when it comes to putting bottom feeders in their place. Just remember, you owe the bottom feeder NOTHING. If you have a legitimate debt with an original creditor, DEAL WITH THE ORIGINAL CREDITOR DIRECTLY. NOTHING good comes from so much as speaking with a bottom-feeding, scum-sucking lowlife like a debt collector.

I have a message for the scunsuckers yadidmean? and collector who think they have the God given right to abuse debtors.

Guess what jagoiffs?  You have NO RIGHT TO ABUSE ANYONE!  Owing money, especially in these economic times, is not a crime.  If either of you illiterate southern fried sister screwing idiots ever treated people with respect, you would get it.

And if either of you bothered to learn from your third grade education how to read, you would have seen that the original poster sent a DV letter to both you and Verizon.  The moment the OP did that, the burden falls on you to prove that she didn't pay the debt and/or actually owes it.  That is straight from the FDCPA that you claim to know so well.

I hope she cleans the clock of your company and you two personally because she has got you scumbags by the throat.  Violation number one was when you spoke to the OPs parent about the debt.  You are only allowed to speak to relatives to get a location and that's it.  The threats made against her parent and her were violations number two and three.  Violation number four was continuing your delusional little rants when theOPs father made it clear trhat he was not the person you are looking for.  Not tomention the punitive damages for causing distress to an old man- ever yell at your mother, jerkoffs?

My greatest wish is that you two scumbags end up unemployed and then have bill collecting scumdo to you what you feel you can do to us.

I have a message for the scunsuckers yadidmean? and collector who think they have the God given right to abuse debtors.

Guess what jagoiffs?  You have NO RIGHT TO ABUSE ANYONE!  Owing money, especially in these economic times, is not a crime.  If either of you illiterate southern fried sister screwing idiots ever treated people with respect, you would get it.

And if either of you bothered to learn from your third grade education how to read, you would have seen that the original poster sent a DV letter to both you and Verizon.  The moment the OP did that, the burden falls on you to prove that she didn't pay the debt and/or actually owes it.  That is straight from the FDCPA that you claim to know so well.

I hope she cleans the clock of your company and you two personally because she has got you scumbags by the throat.  Violation number one was when you spoke to the OPs parent about the debt.  You are only allowed to speak to relatives to get a location and that's it.  The threats made against her parent and her were violations number two and three.  Violation number four was continuing your delusional little rants when theOPs father made it clear trhat he was not the person you are looking for.  Not tomention the punitive damages for causing distress to an old man- ever yell at your mother, jerkoffs?

My greatest wish is that you two scumbags end up unemployed and then have bill collecting scumdo to you what you feel you can do to us.

Once again a Debt collector engaging mouth before activating brain.

First off, My wife and I have no outstanding debts, which means there is no reason for debt collectors to call my home. If these people were not so lazy and did some research on the phone numbers there auto-dialers blindly call they would know that they have a wrong number.  I refuse to change my home phone number because of bottom-feeding scum like this. And to inform this blow-hard debt collector, in many states, 3 or more unauthorized calls in a weeks time merits harassment, which is against the law. Every unknown number that calls my residence is *57 by my wife and I. We have and will contact the authorities in the case of harassment. We have turned a couple of debt collectors into our states Attorney General, and will again if we are harassed. 

My home phone routinely receives calls for parties that I do not know or have ever heard of. Occasionally I also will receive collections calls for my ex-wife. She has not lived at my address in well over 10 years!

So when you as a debt collector decide to harass someone who tells you that you have a wrong number you better make sure of the number your trying to reach.