• Report: #270744

Complaint Review: CACV Of Colorado Scott Lowery Law Firm

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  • Submitted: Tue, August 28, 2007
  • Updated: Thu, April 10, 2008

  • Reported By:Braham Minnesota
CACV Of Colorado Scott Lowery Law Firm
10375 E Harvard Ave Denver, Colorado U.S.A.

CACV Of Colorado Scott Lowery Law Firm Repossed car 2003 was paying Scott Lowery until this year no collection company after me ripoff Denver Colorado

*Consumer Comment: Well if you were only giving advice, then maybe you should be more truthful

*Consumer Comment: Yeah right.

*UPDATE EX-employee responds: Wow.

*Consumer Suggestion: Ex-employee crap.

*UPDATE EX-employee responds: This isn't fake..

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Bought a vechile in 2000 for $9,000.00. We made payments of 389.00 a month totaling $14,004.00. In 2003 We had the vechile repossed by our car company. Not 2 weeks later we got a threating phone call from Scott Lowery demanding we pay the rest of the loan amount in full within the next 10 days which they said was $10.999.00. Demanding we borrow money from someone to pay if off.

So we set up payments to come out of our accounts of 300.00 a month. We paid that amount for 2 1/2 years totaling $9,000.00. Then reduced our payments to 150.00 for the next 1 1/2 totaling $2,700.00. We say the report on Rip off Business buearu and then told them we wernt going to pay them anymore until they could send us the contract amount they bought it for.

They refused to send it or give us the evidence we needed to see if it was valid or not. Now we have a Collection company after us to pay the remaining 3890.00 on the account. So in total they wanted $15,590.00 for a vechile i haven't owned in 5 years. My Husband and I are looking for a law firm or someone who can assist us in this effort to get this off our credit and this company off our back.

Dunnicks
Braham, Minnesota
U.S.A.

This report was posted on Ripoff Report on 08/28/2007 07:40 AM and is a permanent record located here: http://www.ripoffreport.com/r/CACV-Of-Colorado-Scott-Lowery-Law-Firm/Denver-Colorado-80231/CACV-Of-Colorado-Scott-Lowery-Law-Firm-Repossed-car-2003-was-paying-Scott-Lowery-until-thi-270744. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Well if you were only giving advice, then maybe you should be more truthful

AUTHOR: Faron - (U.S.A.)

It's an outright lie a person owes as much as YOU say they did on a car that was repossessed. The difference between the remaining balance this person owed and sales price obtained AFTER it was repossessed is the amount owed by the debtor. Don't give me the crap this original creditor took a loss. You bottom feeding scums took advantage of this individual, so save your tears for the pity party.
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#2 Consumer Comment

Yeah right.

AUTHOR: Robert - (U.S.A.)

I will not be polite to anyone who claims to be an "ex" employee who tells folks to check their credit reports to determine if they owe money.

YOU KNOW that a credit report has no bearing whatsoever as to whether a debt is valid or not, or collectible or not.

YOU were misleading people - typical of a debt collector.

I pointed out your incorrect and misleading information.

Get over it.
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#3 UPDATE EX-employee responds

Wow.

AUTHOR: Maria - (U.S.A.)

Well, weren't you downright sarcastic. I was only attempting to give some *advise* that may or may not help the person considering the things I've HEARD. Granted, maybe you're the smartest individual out there, but the point is ... is they do have ways to get you 'validation papers', you just have to request it to them via written letter or over the phone. Sometimes, in a decent time period, you can also receive more information if you request it in a letter. If not? Then, yeah, you might want to think twice about it ... but thanks for being so utterly polite with the 'ex-employee' garbage.
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#4 Consumer Suggestion

Ex-employee crap.

AUTHOR: Robert - (U.S.A.)

""But I'd recommend you just check your credit report for free and if you don't see that you owe the money, then don't pay, otherwise, clear up your debt.. ""

A credit report is just that, a report compiled by a company. A credit report has NO BEARING whatsoever as to whether a debt is valid or not, or collectible or not.
That's what courts are for.

But, you KNOW that don't you "ex-employee?"

Funny how you don't mention any of the protections afforded consumers by the Fair Debt Collection Practices Act, such as the right to dispute and demand validation. Why not? Could it be that MOST junk debt buyers don't have any supporting documentation to validate the debt? Hmmmm?

If the debt WAS valid, why not simply file suit to obtain a money judgment, hmmm? Wouldn't that be better? After all, with a money judgment comes garnished wages, levies against bank accounts, and liens against property! Seems to me that's the way to go IF the debt is legitimate AND you have the supporting documentation to validate the debt.

These folks should have sent a certified, return receipt requested letter, to dispute the entire amount of the debt and demand validation per the FDCPA.

More debt collector "ex"employee garbage.
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#5 UPDATE EX-employee responds

This isn't fake..

AUTHOR: Maria - (U.S.A.)

I'm really sorry to hear about this because it really does stink, I can imagine. But I've got to be honest. I mean, this stuff at the Law Office IS real debt. It's something that hasn't been paid off and the Office/Collection Agency did buy the debt and it is still owed.
The fact that you were making payments was good.. and I mean, if you want to clear up the debt, it's good to continue making the payments. I did work there and it wasn't fake.. the debts were real. We have credit reports of the consumers that match up the credit card numbers, the loans, etc etc. Everytime before I called anyone, I always checked to verify it was accurate through the credit report. But I'd recommend you just check your credit report for free and if you don't see that you owe the money, then don't pay, otherwise, clear up your debt.. just because this company is in a ripoffreport that shows unsatisfied consumers doesn't mean the debts aren't valid. A lot of the time it's people that are angry that they owe money .. and what's more, the fact that the people trying to collect the money ARE rude and unprofessional (there are QUITE a few people like that, I admit) .. but no one really has to deal with the company anymore if the balance that is due is paid off.
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