• Report: #176742

Complaint Review: Creditors Interchange

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  • Submitted: Fri, February 17, 2006
  • Updated: Tue, February 23, 2010

  • Reported By:Manchester Connecticut
Creditors Interchange
80 Holtz Drive Buffalo, New York U.S.A.

Creditors Interchange Ripoff Dishonest Damon Wilson said he was counsel for the county... Buffalo New York

*Consumer Comment: Hello

*Consumer Comment: Money in WF acct should be safe

*Consumer Comment: INformation on monies removed from account

*Consumer Comment: Anthony at Creditor Interchange (CI)

*UPDATE Employee: Creditors Interchange threats and what to do

*UPDATE Employee: Creditors Interchange threats and what to do

*UPDATE Employee: Creditors Interchange threats and what to do

*UPDATE Employee: Creditors Interchange threats and what to do

*Consumer Comment: Damon Wilson alive and well at CI!

*UPDATE EX-employee responds: help 4 you

*REBUTTAL Individual responds: they still call

*Consumer Suggestion: What a Great Thread

*Consumer Comment: To Steve : Kudos !!

*Consumer Comment: To Steve : Kudos !!

*Consumer Comment: To Steve : Kudos !!

*Consumer Comment: To Steve : Kudos !!

*Consumer Comment: Sick of abuse from these corprate rats

*Consumer Comment: Sick of abuse from these corprate rats

*Consumer Comment: Sick of abuse from these corprate rats

*Consumer Suggestion: Random, You are correct, that communication was in violation

*Consumer Comment: Steve

*Consumer Comment: Thanx you for the sound advice

*Consumer Suggestion: Advice for Sim, and for KEVIN..I'm still waiting!

*Consumer Comment: Thanx Steve!

*Consumer Suggestion: Advice for Sim..re: Creditor's Interchange..

*Consumer Comment: Steve, Can you give me some advise?

*Consumer Suggestion: KEVIN

*Consumer Suggestion: KEVIN

*Consumer Suggestion: KEVIN

*Consumer Suggestion: KEVIN

*Consumer Comment: Kevin...I called that number you gave me..Where are you?

*Consumer Comment: I guess Creditor's Interchange already fired Kevin the collector!

*Consumer Suggestion: Read the facts on Creditor's Interchange

*Consumer Comment: WOW!...I struck a nerve!..Hey..Kevin the collector.. Pissing off scumbag collectors like you is like a sport to me.

*UPDATE EX-employee responds: Beachwood Office

*UPDATE Employee: For Tough Guy Steve

*UPDATE Employee: Im not sure where to start

*Consumer Comment: Thanx you Steve!!

*Consumer Suggestion: Response to Kevins post to me.[Advice from a Collector]

*Author of original report: Please start your own thread!

*UPDATE Employee: Response to Steve in Bradenton

*UPDATE Employee: Response to Steve in Bradenton

*UPDATE Employee: Response to Steve in Bradenton

*UPDATE Employee: Response to Steve in Bradenton

*Consumer Suggestion: Thanx Don...And some info for Kevin the collector..

*Consumer Suggestion: defending Steve from Bradenton

*UPDATE Employee: Response to Steve in Bradenton

*Consumer Comment: No Longer Making a Point!!

*Consumer Suggestion: Suggestion for "Lump"

*Consumer Comment: Reply to "Deep Throat"

*UPDATE Employee: Making a Point!!!

*UPDATE EX-employee responds: No Longer..

*UPDATE Employee: TO STEVE

*UPDATE Employee: HIDING TRUTH

*Consumer Suggestion: Suggestion for "Deep Throat" -Ontario

*UPDATE Employee: "MIDS" are not really informed of anything that is going on

*Consumer Comment: Thank you, Canadian C.I. person

*Consumer Comment: Info for Delores on this collection agency

*UPDATE Employee: Clear Up

*Author of original report: Thanx for responding, CI employee...

*Consumer Comment: questions for CI employee - bless you for posting

*UPDATE Employee: You Think You Got It Bad??

*Consumer Suggestion: FILE A REPORT WITH THE POLICE AND THE FBI....

*Author of original report: He changed my voicemail message!!

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and REFUSED to give any other information! I don't know who these people are, or who they represent, but I have no deliquent accounts that I know of. I assume that my ex-husband is not paying something pursuant to our divorce decree, but this Damon Wilson refused to give me ANY information, requested that I set up a payment and indicated that my failure to do so might result in JAIL TIME! I politely laughed and advised him to call back and leave a detailed message on my voicemail. Any feedback I can get regarding this outfit would be appreciated!

Delores
Manchester, Connecticut
U.S.A.

This report was posted on Ripoff Report on 02/17/2006 11:38 AM and is a permanent record located here: http://www.ripoffreport.com/r/Creditors-Interchange/Buffalo-New-York-14225/Creditors-Interchange-Ripoff-Dishonest-Damon-Wilson-said-he-was-counsel-for-the-county-176742. 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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0Author 63Consumer 1Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Hello

AUTHOR: ssjanke - (United States of America)

Ok You say you work for CI. I am not being an ass just currious is the money I autherise for you to take out of my account really going toward the debt that you say. I respect you work for them I too work in a call center have for over twelve years im just tring to clear me and my husbands debt with out giving some lunatics access to our information. I understand you have rent and need food so do the rest of us and I wish maybe i could deal with you instead of the moron Im dealing with.
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#2 Consumer Comment

Money in WF acct should be safe

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

NPDV,


I could be wrong about this as I am not familiar with TX law specifically.


Outside creditors should not be able to access funds in your WF account without a garnishment order that would have to be issued by a court. And they would not be able to get a garnishment order without a judgment in place. However, they could potentially get an order that would "freeze" your account upon the filing of a lawsuit, but this isn't very likely. 


The only other scenario I can think of that would allow them to pillage an account at a different bank is if you consented to it at some point, which is a possibility (it could have been hidden in the fine print of a credit card application somewhere).


So the money in your WF account should be safe from other banks, at least until they decide to sue you.


Again, I could be wrong on this, and your best bet is to consult with a local attorney, especially if you're talking about substantial sums of money.


At any rate, I would advise getting out of WF and moving to a small, local bank or credit union. WF is one of the better big banks, but smaller banks and credit unions are much more likely to have your best interests in mind.


Best regards!

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#3 Consumer Comment

INformation on monies removed from account

AUTHOR: npdv - (United States of America)

Hello Sims,

In your report you state that Citibank removed money from your account.

Quick question was that because you owed money on a Citibank Credit Card or was it because you owed money from another Financial organizations Credit Card.

I also read in the thread that Wells Fargo is well known for doing this as well.  However, is this only if you owe Wells Fargo money or does it happen no matter what financial organizations credit card you owe.

Obviously I ask becase I have my account with Wells Fargo.  However, I have outstanding debt to Citibank, Chase and Bank of America.  I do not have outstanding debt to Wells Fargo.  I just want to know how much risk I have that my account will be pillaged.

Not sure if this helps but I am a resident of Texas

If anyone can help I would appreciate it.

Thanks

 

 

 

 

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#4 Consumer Comment

Anthony at Creditor Interchange (CI)

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

Been having problems with "Anthony" at Creditor Interchange (CI) calling for my husband. It has been going on for weeks and he calls non-stop Sunday mornings, like this morning for instance: 8:13, 8:18, 8:19, 8:20, 8:25. The first time I pick up and he asks for my husband I tell him he's unavailable (which he really is). The second time I repeat myself. The third and fourth times I refuse to answer my phone. The fifth time I've had enough and pick up. I respond that he has the wrong number (which he does if he's trying to get ahold of my husband, he can't do so on this number). Anthony then calls me a liar, threatens to take action against me for lying (that, I'd like to see him do) and I respond that he's not my mother, the law, or my priest so I don't have to answer to him. That makes him angry and he calls me back after I hang up demanding I put my husband on the phone. I tell him if he wants to talk to my husband he can get his ass on a plane and head to Iraq where my husband physically is and to otherwise stop calling my house or I'll call the police. Sure enough the calls quit - for an hour that is. Now I'm getting a series of phone calls from a man who won't give me his name but I'm 100% positive it's Anthony. (He slipped when I said it's the wrong number and again he called me a liar, and by now I know his voice anyway). The third time he called the second hour he says "hey Lexi, how's it going? Just talked to your husband and he says it's okay to talk to you." I know for a fact that's a load of BS so I ask him how he contacted my husband. He tells me he knows people in the Army and they got him in contact with him. I laughed and it was my turn to call him a liar. He then told me he knew enough people to get my husband dishonorably discharged, I told him he was welcome to try. Four more calls since then from his number and I don't answer - that's about 12 calls in 2 hours on a Sunday morning. Sure enough, when my husband does call me before he turns in for the night he has no idea what's going on and certainly hasn't talked to a creditor. I tried calling Anthony back with the number he had given me days before but it's goes on ringing unanswered. My husband told me to not answer the phone anymore and to get the number changed tomorrow. You know, Anthony would have gotten a lot farther with me had he been professional and talked to me like a human being and not made threats that he can't back up. Refusing to send anything in writing is proof that these people can't do a thing and are nothing but harassers enjoying disrupting people's lives. I'm wondering, can suits be filed against these "collectors" for harassment? I'd love to get Anthony in court, I've written down the time of each phone call made (answered and unanswered) in the last 6 days (though he's been calling for almost a month now) and now I'll be recording every phone call from him.
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#5 UPDATE Employee

Creditors Interchange threats and what to do

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

Have been through the wringer myself. When someone wants you to pay a good faith payment, avoid at all costs; even when they say they can retrack, they don't and they move forward; have had accounts damaged by their action. Have been called names and then told they were going to absolutely do what ever to put me in front of a judge. Here's what you do, first tell them to go ahead, they haven't yet, then when the call again and repeat their bad mouthing - get a lawyer who manages civil rights, he / she can then sue them for breaking Fair Collection Act and possibly other items... check the rest of the listings, looks like this or something similar has been happening. By the way they play "car sales", one calls and then immediately another calls to see how things went and what they can do... it is another way of getting multiple calls in.
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#6 UPDATE Employee

Creditors Interchange threats and what to do

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

Have been through the wringer myself. When someone wants you to pay a good faith payment, avoid at all costs; even when they say they can retrack, they don't and they move forward; have had accounts damaged by their action. Have been called names and then told they were going to absolutely do what ever to put me in front of a judge. Here's what you do, first tell them to go ahead, they haven't yet, then when the call again and repeat their bad mouthing - get a lawyer who manages civil rights, he / she can then sue them for breaking Fair Collection Act and possibly other items... check the rest of the listings, looks like this or something similar has been happening. By the way they play "car sales", one calls and then immediately another calls to see how things went and what they can do... it is another way of getting multiple calls in.
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#7 UPDATE Employee

Creditors Interchange threats and what to do

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

Have been through the wringer myself. When someone wants you to pay a good faith payment, avoid at all costs; even when they say they can retrack, they don't and they move forward; have had accounts damaged by their action. Have been called names and then told they were going to absolutely do what ever to put me in front of a judge. Here's what you do, first tell them to go ahead, they haven't yet, then when the call again and repeat their bad mouthing - get a lawyer who manages civil rights, he / she can then sue them for breaking Fair Collection Act and possibly other items... check the rest of the listings, looks like this or something similar has been happening. By the way they play "car sales", one calls and then immediately another calls to see how things went and what they can do... it is another way of getting multiple calls in.
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#8 UPDATE Employee

Creditors Interchange threats and what to do

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

Have been through the wringer myself. When someone wants you to pay a good faith payment, avoid at all costs; even when they say they can retrack, they don't and they move forward; have had accounts damaged by their action. Have been called names and then told they were going to absolutely do what ever to put me in front of a judge. Here's what you do, first tell them to go ahead, they haven't yet, then when the call again and repeat their bad mouthing - get a lawyer who manages civil rights, he / she can then sue them for breaking Fair Collection Act and possibly other items... check the rest of the listings, looks like this or something similar has been happening. By the way they play "car sales", one calls and then immediately another calls to see how things went and what they can do... it is another way of getting multiple calls in.
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#9 Consumer Comment

Damon Wilson alive and well at CI!

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

I have read all of the comments regarding CI, and more specifially a fellow by the name of Damon Wilson. In one response I read, it said that Damon Wilson had been fired by CI. I just have to update that piece of information....Damon Wilson is alive and well and is still working for CI as of today's date, January 2008. I have many phone messages from him. I called back after the second message he left and actually talked with "Damon".

Apparently, CI is still up to their old antics because he came just short of threatening me with a huge lawsuit and a considerable fine if I didn't pay up immediately -- that day. I kindly asked for documentation of these accounts they say they have and he said they've been mailing me letters for months (a lie!) with this information and critisized me for not responding in a timely manner. I told him I didn't know him from Adam, and I was not going to give him my credit card information or checking account information to pay this outrageous amount of money to him or CI without documentation of the accounts. I then told him I wouldn't talk to him until I had something in writing. Ever since then, I've been getting numerous phone messages left on my answering machine daily by this guy, Damon Wilson, saying that he wants a response from me by 9:00 p.m.

I suppose CI, as well as Damon Wilson, took the past reprimands as just a slap on their hands. I've just "had it up to here" with people and agencies claiming they are working for a consumer's best interest after some financial disaster happens, but are rude, crude, critical, are liars, and are threatening in the process. Damon Wilson and CI will not get a dime of my money!
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#10 UPDATE EX-employee responds

help 4 you

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

1. your state is not a community property state, even if you were married at the time the debt was incurred u are NOT responsible to pay this.

2. Tape any and all calls they make to you especially the one's where they threaten to sue you, state u r going to jail etc.

3. Mail them a letter requesting no more calls, mail it certified mail and keep a copy in a safe place with the signed cert. card.

4. the next time they call you, play the tape for them (to the production manager) and advise them that you have a signed card proving you placed them on a cease and desist. Advise them that if you are not left along you will not only sue the agency but the collector for each of the offenses against them ( 1000.00 ea offense !!!!)

Give them whatever info you have on your ex

if they do not leave you alone, get an atty and sue them
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#11 REBUTTAL Individual responds

they still call

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

I am sending my Debt Validation and Cease communications to these people. They constanly call, block their number or use 000-000-000 for my Caller Id. when they do decide to leave a voice mail message, they say Call us or else. I do not have to talk to them on the phone. This is for an old debt from 2003 that was charged off, the NC SOL is 4 yrs. It is not anyones business why or why not someone pays their debts. The person who decides not too pay, has to live with that. So lets not judge anyone. Even Debt Colletors have BAD credit themselves.
I will not forgo Groceries, or a place to live fror my family for an OLD and outdated debt. When working with the OC on this debt, THEY refused to work with me on a payment plan that I could afford. and how can a CC of $300 now be almost $3000.
The OC is the one who CLOSED the account according to my CR.
In 2004, the day of last payment, my CR stated 11/2003.
In 2005, it stated that the account was still open
2006 still open
2007 still open.
Creditors Interchange is nothing but a big bully. They do not care how they talk to you. Not all CI employess are rude. I did talk to a nice one today, He told me to call him If I decided to work with CI.
Well, I dont work with CI.
I am keeping a log of the messages and the letter ( 2 months AFTER the first phone call from CI). I also talked to my phone co about the harrassing phone calls, calling after 9 pm, blocking number from Caller Id.
please do not get me wrong, I believe in paying my debt, but will not tolerate the harassement in doing so. Or someone telling me You better or else.
This is just my opinion. Go Bud Hibbs and thanks to him.
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#12 Consumer Suggestion

What a Great Thread

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

Steve,
You are so funny. I know what you mean by the greed. It's not about paying the bill but all the fees that they seem to tack on preventing you from ever getting caught up. If they were truely interested in settlement then they would do so rather than charging it off completely.

I am now getting calls from these people. I'm not even the debtor, my hubby is. The debt is very old and I mean obsolute. They have no legal grounds to even collect very shortly. The woman called and discussed it with me after I told her I didn't want to discuss my husbands business with her. I was amazed about how she just talked to me anyways. I didn't jott her name down but she did leave a message another day and threatened him. I know do not call and I don't plan on it. I look forward to removing it. What should we do at this point?
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#13 Consumer Comment

To Steve : Kudos !!

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

I was in a no win situation , My father inlaw who lived in florida was a victim of elder abuse , the only thing we could do was to fly him and his possessions here, all of his belongings were over nited . My father in law (FIL) was taken for a loop some one changed his meds to alter his mental status , he was 72 hours from being evected from the only place he knew as home ! So the rough decision was to fly him from flordia to Pa . I could not feed him to the wolfs , so we paid for his ticket and the freight bill for his possessions to be sent , up on his arrival to our area , we were left to pay all his medical bills and such since he had no insurance (doctors offices will not see you if you can't pay .)and as a paramedic I will not tax the er with a routine DRs visit . Up on his arrival I looked all his meds over and knew where I needed to start medically . Not only did this tax us but we had to buy clothing for him as well as food , we were doing fine till we threw that into the mix with my FIL , that taxed us unmercefully , with in months we had maxed out our credit cards ,to pay for stuff he needed till we could get public assistance for him !all the while we were runing our credit .

He has since died and we have yet to bury him his ashes remain at the funeral home . Now I do not say that I do not owe the moneys but here is where it gets bad ! THey have gotten every family members name my brother , mother and father they called my brother about this he told them not to call back he hung up on them they told him that I used him as a refrence for a credit check.... They have called my parents non stop even after being told not to . They continue to do so , yesterday they made a call that I needed to call them before 5 pm or at that time a "decision would be made". They credit card company had me set upon a payment plan to wich we made every payment but the 4 th payment we were contacted to tell us that we were behind HUH we paid here are the checks , their reply was well yes but we miscaculated the rate and you are -125 so please include that with your payment .

We did we then get a nastier call , that since we did not western union it we were at fauld and were removed from the program and our bill went to 500+ a month ! I told them that we needed to eat too and the credit card company said not till this is paid off , we are severing our communications and it will be turned over to collections . It has been since turned over , they have started to call saying they are a "survey " company when we tell them to remove us from the call list the calls get more and more frequent and nasty . An internet search revealed that this infact was the aformentioned collection company trying to "get info" . At this point my credit is ruined my marriage is failing and we do nothing for fun. We are cutting back where we can and I have resorted to only eating 1 meal a day , anything more and I feel guilty at doing so. We are not denying the debt but are tired of the brow beating we have recieved , any advice or help would be apprecieated greatly !

Currently we are working to put together a budget , and living with in our means this was complicated due to only one being able to work while the other has serious medical problems and can not this was also compounded due to a lay off of the working spouse any helpful advice please
Confused and in debt
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#14 Consumer Comment

To Steve : Kudos !!

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

I was in a no win situation , My father inlaw who lived in florida was a victim of elder abuse , the only thing we could do was to fly him and his possessions here, all of his belongings were over nited . My father in law (FIL) was taken for a loop some one changed his meds to alter his mental status , he was 72 hours from being evected from the only place he knew as home ! So the rough decision was to fly him from flordia to Pa . I could not feed him to the wolfs , so we paid for his ticket and the freight bill for his possessions to be sent , up on his arrival to our area , we were left to pay all his medical bills and such since he had no insurance (doctors offices will not see you if you can't pay .)and as a paramedic I will not tax the er with a routine DRs visit . Up on his arrival I looked all his meds over and knew where I needed to start medically . Not only did this tax us but we had to buy clothing for him as well as food , we were doing fine till we threw that into the mix with my FIL , that taxed us unmercefully , with in months we had maxed out our credit cards ,to pay for stuff he needed till we could get public assistance for him !all the while we were runing our credit .

He has since died and we have yet to bury him his ashes remain at the funeral home . Now I do not say that I do not owe the moneys but here is where it gets bad ! THey have gotten every family members name my brother , mother and father they called my brother about this he told them not to call back he hung up on them they told him that I used him as a refrence for a credit check.... They have called my parents non stop even after being told not to . They continue to do so , yesterday they made a call that I needed to call them before 5 pm or at that time a "decision would be made". They credit card company had me set upon a payment plan to wich we made every payment but the 4 th payment we were contacted to tell us that we were behind HUH we paid here are the checks , their reply was well yes but we miscaculated the rate and you are -125 so please include that with your payment .

We did we then get a nastier call , that since we did not western union it we were at fauld and were removed from the program and our bill went to 500+ a month ! I told them that we needed to eat too and the credit card company said not till this is paid off , we are severing our communications and it will be turned over to collections . It has been since turned over , they have started to call saying they are a "survey " company when we tell them to remove us from the call list the calls get more and more frequent and nasty . An internet search revealed that this infact was the aformentioned collection company trying to "get info" . At this point my credit is ruined my marriage is failing and we do nothing for fun. We are cutting back where we can and I have resorted to only eating 1 meal a day , anything more and I feel guilty at doing so. We are not denying the debt but are tired of the brow beating we have recieved , any advice or help would be apprecieated greatly !

Currently we are working to put together a budget , and living with in our means this was complicated due to only one being able to work while the other has serious medical problems and can not this was also compounded due to a lay off of the working spouse any helpful advice please
Confused and in debt
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#15 Consumer Comment

To Steve : Kudos !!

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

I was in a no win situation , My father inlaw who lived in florida was a victim of elder abuse , the only thing we could do was to fly him and his possessions here, all of his belongings were over nited . My father in law (FIL) was taken for a loop some one changed his meds to alter his mental status , he was 72 hours from being evected from the only place he knew as home ! So the rough decision was to fly him from flordia to Pa . I could not feed him to the wolfs , so we paid for his ticket and the freight bill for his possessions to be sent , up on his arrival to our area , we were left to pay all his medical bills and such since he had no insurance (doctors offices will not see you if you can't pay .)and as a paramedic I will not tax the er with a routine DRs visit . Up on his arrival I looked all his meds over and knew where I needed to start medically . Not only did this tax us but we had to buy clothing for him as well as food , we were doing fine till we threw that into the mix with my FIL , that taxed us unmercefully , with in months we had maxed out our credit cards ,to pay for stuff he needed till we could get public assistance for him !all the while we were runing our credit .

He has since died and we have yet to bury him his ashes remain at the funeral home . Now I do not say that I do not owe the moneys but here is where it gets bad ! THey have gotten every family members name my brother , mother and father they called my brother about this he told them not to call back he hung up on them they told him that I used him as a refrence for a credit check.... They have called my parents non stop even after being told not to . They continue to do so , yesterday they made a call that I needed to call them before 5 pm or at that time a "decision would be made". They credit card company had me set upon a payment plan to wich we made every payment but the 4 th payment we were contacted to tell us that we were behind HUH we paid here are the checks , their reply was well yes but we miscaculated the rate and you are -125 so please include that with your payment .

We did we then get a nastier call , that since we did not western union it we were at fauld and were removed from the program and our bill went to 500+ a month ! I told them that we needed to eat too and the credit card company said not till this is paid off , we are severing our communications and it will be turned over to collections . It has been since turned over , they have started to call saying they are a "survey " company when we tell them to remove us from the call list the calls get more and more frequent and nasty . An internet search revealed that this infact was the aformentioned collection company trying to "get info" . At this point my credit is ruined my marriage is failing and we do nothing for fun. We are cutting back where we can and I have resorted to only eating 1 meal a day , anything more and I feel guilty at doing so. We are not denying the debt but are tired of the brow beating we have recieved , any advice or help would be apprecieated greatly !

Currently we are working to put together a budget , and living with in our means this was complicated due to only one being able to work while the other has serious medical problems and can not this was also compounded due to a lay off of the working spouse any helpful advice please
Confused and in debt
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#16 Consumer Comment

To Steve : Kudos !!

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

I was in a no win situation , My father inlaw who lived in florida was a victim of elder abuse , the only thing we could do was to fly him and his possessions here, all of his belongings were over nited . My father in law (FIL) was taken for a loop some one changed his meds to alter his mental status , he was 72 hours from being evected from the only place he knew as home ! So the rough decision was to fly him from flordia to Pa . I could not feed him to the wolfs , so we paid for his ticket and the freight bill for his possessions to be sent , up on his arrival to our area , we were left to pay all his medical bills and such since he had no insurance (doctors offices will not see you if you can't pay .)and as a paramedic I will not tax the er with a routine DRs visit . Up on his arrival I looked all his meds over and knew where I needed to start medically . Not only did this tax us but we had to buy clothing for him as well as food , we were doing fine till we threw that into the mix with my FIL , that taxed us unmercefully , with in months we had maxed out our credit cards ,to pay for stuff he needed till we could get public assistance for him !all the while we were runing our credit .

He has since died and we have yet to bury him his ashes remain at the funeral home . Now I do not say that I do not owe the moneys but here is where it gets bad ! THey have gotten every family members name my brother , mother and father they called my brother about this he told them not to call back he hung up on them they told him that I used him as a refrence for a credit check.... They have called my parents non stop even after being told not to . They continue to do so , yesterday they made a call that I needed to call them before 5 pm or at that time a "decision would be made". They credit card company had me set upon a payment plan to wich we made every payment but the 4 th payment we were contacted to tell us that we were behind HUH we paid here are the checks , their reply was well yes but we miscaculated the rate and you are -125 so please include that with your payment .

We did we then get a nastier call , that since we did not western union it we were at fauld and were removed from the program and our bill went to 500+ a month ! I told them that we needed to eat too and the credit card company said not till this is paid off , we are severing our communications and it will be turned over to collections . It has been since turned over , they have started to call saying they are a "survey " company when we tell them to remove us from the call list the calls get more and more frequent and nasty . An internet search revealed that this infact was the aformentioned collection company trying to "get info" . At this point my credit is ruined my marriage is failing and we do nothing for fun. We are cutting back where we can and I have resorted to only eating 1 meal a day , anything more and I feel guilty at doing so. We are not denying the debt but are tired of the brow beating we have recieved , any advice or help would be apprecieated greatly !

Currently we are working to put together a budget , and living with in our means this was complicated due to only one being able to work while the other has serious medical problems and can not this was also compounded due to a lay off of the working spouse any helpful advice please
Confused and in debt
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#17 Consumer Comment

Sick of abuse from these corprate rats

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

To Steve : Kudos !! To Kevin you are a jerk and probably one that I have blown a referrees whistle in to their ear more than once for harassing me !

I was in a no win situation , My father inlaw who lived in florida was a victim of elder abuse , the only thing we could do was to fly him and his possessions here, all of his belongings were over nited . My father in law (FIL) was taken for a loop some one changed his meds to alter his mental status , he was 72 hours from being evected from the only place he knew as home ! So the rough decision was to fly him from flordia to Pa . I could not feed him to the wolfs , so we paid for his ticket and the freight bill for his possessions to be sent , up on his arrival to our area , we were left to pay all his medical bills and such since he had no insurance (doctors offices will not see you if you can't pay .)and as a paramedic I will not tax the er with a routine DRs visit . Up on his arrival I looked all his meds over and knew where I needed to start medically . Not only did this tax us but we had to buy clothing for him as well as food , we were doing fine till we threw that into the mix with my FIL , that taxed us unmercefully , with in months we had maxed out our credit cards ,to pay for stuff he needed till we could get public assistance for him !all the while we were runing our credit .He has since died and we have yet to bury him his ashes remain at the funeral home . Now I do not say that I do not owe the moneys but here is where it gets bad !

THey have gotten every family members name my brother , mother and father they called my brother about this he told them not to call back he hung up on them they told him that I used him as a refrence for a credit check.... They have called my parents non stop even after being told not to . They continue to do so , yesterday they made a call that I needed to call them before 5 pm or at that time a "decision would be made". They credit card company had me set upon a payment plan to wich we made every payment but the 4 th payment we were contacted to tell us that we were behind HUH we paid here are the checks , their reply was well yes but we miscaculated the rate and you are -125 so please include that with your payment .We did we then get a nastier call , that since we did not western union it we were at fauld and were removed from the program and our bill went to 500+ a month !

I told them that we needed to eat too and the credit card company said not till this is paid off , we are severing our communications and it will be turned over to collections . It has been since turned over , they have started to call saying they are a "survey " company when we tell them to remove us from the call list the calls get more and more frequent and nasty . An internet search revealed that this infact was the aformentioned collection company trying to "get info" . At this point my credit is ruined my marriage is failing and we do nothing for fun. We are cutting back where we can and I have resorted to only eating 1 meal a day , anything more and I feel guilty at doing so. We are not denying the debt but are tired of the brow beating we have recieved , any advice or help would be apprecieated greatly !
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#18 Consumer Comment

Sick of abuse from these corprate rats

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

To Steve : Kudos !! To Kevin you are a jerk and probably one that I have blown a referrees whistle in to their ear more than once for harassing me !

I was in a no win situation , My father inlaw who lived in florida was a victim of elder abuse , the only thing we could do was to fly him and his possessions here, all of his belongings were over nited . My father in law (FIL) was taken for a loop some one changed his meds to alter his mental status , he was 72 hours from being evected from the only place he knew as home ! So the rough decision was to fly him from flordia to Pa . I could not feed him to the wolfs , so we paid for his ticket and the freight bill for his possessions to be sent , up on his arrival to our area , we were left to pay all his medical bills and such since he had no insurance (doctors offices will not see you if you can't pay .)and as a paramedic I will not tax the er with a routine DRs visit . Up on his arrival I looked all his meds over and knew where I needed to start medically . Not only did this tax us but we had to buy clothing for him as well as food , we were doing fine till we threw that into the mix with my FIL , that taxed us unmercefully , with in months we had maxed out our credit cards ,to pay for stuff he needed till we could get public assistance for him !all the while we were runing our credit .He has since died and we have yet to bury him his ashes remain at the funeral home . Now I do not say that I do not owe the moneys but here is where it gets bad !

THey have gotten every family members name my brother , mother and father they called my brother about this he told them not to call back he hung up on them they told him that I used him as a refrence for a credit check.... They have called my parents non stop even after being told not to . They continue to do so , yesterday they made a call that I needed to call them before 5 pm or at that time a "decision would be made". They credit card company had me set upon a payment plan to wich we made every payment but the 4 th payment we were contacted to tell us that we were behind HUH we paid here are the checks , their reply was well yes but we miscaculated the rate and you are -125 so please include that with your payment .We did we then get a nastier call , that since we did not western union it we were at fauld and were removed from the program and our bill went to 500+ a month !

I told them that we needed to eat too and the credit card company said not till this is paid off , we are severing our communications and it will be turned over to collections . It has been since turned over , they have started to call saying they are a "survey " company when we tell them to remove us from the call list the calls get more and more frequent and nasty . An internet search revealed that this infact was the aformentioned collection company trying to "get info" . At this point my credit is ruined my marriage is failing and we do nothing for fun. We are cutting back where we can and I have resorted to only eating 1 meal a day , anything more and I feel guilty at doing so. We are not denying the debt but are tired of the brow beating we have recieved , any advice or help would be apprecieated greatly !
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#19 Consumer Comment

Sick of abuse from these corprate rats

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

To Steve : Kudos !! To Kevin you are a jerk and probably one that I have blown a referrees whistle in to their ear more than once for harassing me !

I was in a no win situation , My father inlaw who lived in florida was a victim of elder abuse , the only thing we could do was to fly him and his possessions here, all of his belongings were over nited . My father in law (FIL) was taken for a loop some one changed his meds to alter his mental status , he was 72 hours from being evected from the only place he knew as home ! So the rough decision was to fly him from flordia to Pa . I could not feed him to the wolfs , so we paid for his ticket and the freight bill for his possessions to be sent , up on his arrival to our area , we were left to pay all his medical bills and such since he had no insurance (doctors offices will not see you if you can't pay .)and as a paramedic I will not tax the er with a routine DRs visit . Up on his arrival I looked all his meds over and knew where I needed to start medically . Not only did this tax us but we had to buy clothing for him as well as food , we were doing fine till we threw that into the mix with my FIL , that taxed us unmercefully , with in months we had maxed out our credit cards ,to pay for stuff he needed till we could get public assistance for him !all the while we were runing our credit .He has since died and we have yet to bury him his ashes remain at the funeral home . Now I do not say that I do not owe the moneys but here is where it gets bad !

THey have gotten every family members name my brother , mother and father they called my brother about this he told them not to call back he hung up on them they told him that I used him as a refrence for a credit check.... They have called my parents non stop even after being told not to . They continue to do so , yesterday they made a call that I needed to call them before 5 pm or at that time a "decision would be made". They credit card company had me set upon a payment plan to wich we made every payment but the 4 th payment we were contacted to tell us that we were behind HUH we paid here are the checks , their reply was well yes but we miscaculated the rate and you are -125 so please include that with your payment .We did we then get a nastier call , that since we did not western union it we were at fauld and were removed from the program and our bill went to 500+ a month !

I told them that we needed to eat too and the credit card company said not till this is paid off , we are severing our communications and it will be turned over to collections . It has been since turned over , they have started to call saying they are a "survey " company when we tell them to remove us from the call list the calls get more and more frequent and nasty . An internet search revealed that this infact was the aformentioned collection company trying to "get info" . At this point my credit is ruined my marriage is failing and we do nothing for fun. We are cutting back where we can and I have resorted to only eating 1 meal a day , anything more and I feel guilty at doing so. We are not denying the debt but are tired of the brow beating we have recieved , any advice or help would be apprecieated greatly !
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#20 Consumer Suggestion

Random, You are correct, that communication was in violation

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)

Random,

There was nothing wrong with that communication until they mentioned the part about "recieving employment verification". That was a threat of contacting your employer and/or implying garnishment. This was clearly done for purposes of intimidation and/or harassment.

I say this as you never stated anything about giving them your employment information.

They cannot leave any information about the debt or that they are collecting a debt on an answering machine. This would be a FDCPA violation.

For the other person's question, Bud Hibbs has a good free sample of the CEASE COMMUNICATION letter.
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#21 Consumer Comment

Steve

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

I was wondering if this is or is not a violation of the Fair Debt Collection Practices Act.

I received numerous voice messages similar to this one:

Random User,
Please call Ilene Calligan, my office number is 888-865-3118 Extension 3283. Random, it is very important that I speak to you. We received the employment verification and I do have a few questions. I will only be in the office till about 4pm eastern time and you can reach me anytime in the morning before noon.

And I never had any contact with them prior to this, infact after months I still have not been in contact with them and DO NOT trust them.

It's not threaten, but it does seem fall under false, deceptive, or misleading representation or means in connection with the collection of any debt to me.
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#22 Consumer Comment

Thanx you for the sound advice

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

Steve, I wish to thank you for your sound advice on dealing with CI and debt collectors in general. Do you have any suggestions on where I can get a convincing cease and desist letter?

Thank you!
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#23 Consumer Suggestion

Advice for Sim, and for KEVIN..I'm still waiting!

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

Sim,

That is the oldest trick in the book, and is illegal. They "served" an old address of yours knowingly. This is so they can prove "good service" and get a default judgement, and garnishment.

You made a big mistake by paying them. Doing this re-affirmed the debt, when it may not have been legally collectable, or if it was, they may not have been able to document it.

Remember, NEVER speak to ANY collector on the phone, as it will NEVER do anything positive for you. It will in almost every case, make things worse for you. As you have found out.

And, NEVER pay any third party collector, because you re-affirm the debt and reset the statute of limitations which may have been expired.

My advice is to get a lawyer to go through every piece of paper filed with the court and the bank that was used to get the judgement and garnishment. I can guarantee they broke the law and/or falsified documents. Not only can you get the judgement vacated, you can put someone in jail. It is a felony to file a false document with the court. You can also file a Bar Association complaint against any lawyer involved in this scam and get them disbarred, and in jail too. The fines are huge as well.

Have fun with these morons.
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#24 Consumer Comment

Thanx Steve!

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

Thanks for your help Steve. I actually have several credit cards that this is going on with. I had sent a cease communications letter about a year ago to the law groups that were contacting me. Citi Bank actually sent a summons to my old address and since I never got it, they thought I ignored it. That is when they got the money out of my accounts (with a copy of the summons). This company already took all the money that was owed to them. I settled another account for a little less and paid it off.


As for an account I have with Chase Manhattan, I owe $25,000 and they contacted me through a Taylor Gordon Law Firm about a year ago (really mean people). I got scared the first time and actually gave them permission to take $1,000 from my account, which they took. They didn't contact me after that but now it looks like they are having Creditors Interchange contact me. A lady from there called again today and asked that I call right away or she will have to submit a final report. Whatever that means.

I have actually moved to a new address and have a new house phone number but they call my cell phone. I also do not keep much money in my old account and plan on closing it soon. Can I still get a lawyer to contest Citi Bank for taking money out of my accounts? I can prove to them that I never received that summons. So what steps should I take after ignoring the debt collectors from Creditor's Interchange?

Also, I need copies of statements from these creditors to prove the charges in court for the summons and complaint against my friend who didn't pay the bills. Whenever I try to contact the creditors, they ask me to call the debt collector that my account has been assigned to. Is it good to ask a lawyer to try to obtain the statements for me?

My lawyer says if she represents me in court for the case against my friend, it will seem that if I can afford a lawyer, I can pay my debt. So, I am in kind of a no win situation.
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#25 Consumer Suggestion

Advice for Sim..re: Creditor's Interchange..

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

Sim,

The only reason they got the garnishment on your bank account is that you made payments on the debt, thus validating the debt.

Never pay any third party debt collector, and never speak to one on the phone. NEVER. The logic here is that if they could actually do anything, they wouldn't need to talk to you, right?

The garnishment only applies to wages and bank accounts. They cannot take real property such as a car or house unless you specifically used it as collateral on the debt.

Close out that bank account and go to a DIFFERENT bank ASAP! They will keep taking your money if you don't. Don't make it easy for them. I would stop using any bank for awhile and just cash the check and pay bills with money orders.

Immediately send a CEASE COMMUNICATION request as per your FDCPA rights, and consult a lawyer to contest the judgement and garnishment order. Chances are very good that they cut corners and/or falsified documents to get the order. If they did, you can get your money back.

The only thing you never ignore is a summons. Anything else should get absolutely no response. It is easier to cahange your mailing address and phone# to an unlisted one.

Good luck!
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#26 Consumer Comment

Steve, Can you give me some advise?

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

I recenty got a phone call from Creditor's Interchange and they laft me avoice mail saying that it was really important that I call them back the same day. They said there was new development and I needed to contact them. They didn't mention what the heck they were calling me about. I called back and left a voice mail on this ladis phone and received another Call from them the next day. It was a different lady this time but she left the same message but with a different name. Since I heard their company message when I was being transferred to the voicemail, I figured I would look them up online first to see who they are. That's how I came across this page.

Basically, I had a friend's name added to my credit cards who didn't pay the bills and left me with a $35,000 debt. I know that I am responsible for the charges but since I did not make the purchases, I refuse to pay the bills. I tried to pay them at first but I just could not keep up with it. Now I have really bad credit and all these debt collectors are after me. I try to tell them I have a court case filed against the friend who owes me and I will pay them when I get the money but they don't care. They threatened to garnish my wages. Citi Bank even sent out a legal order to my bank and took out all my money from my account (even my parents and grandmother's accounts that I was on).

Now I'm afraid they will try to take my car and stuff. I cannot even by a home with my husband because of my credit and because I feel like they will just try to take away my property. I have read your posts I really think you have the knowledge to help me with something like this. Is there anything you recommend I do to make this problem go away? I'd like to wait until you come out with your book but I really need help as soon as possible :)

Thanks Steve!
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#27 Consumer Suggestion

KEVIN

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

I READ WITH INTEREST, YOU REPLY TO STEVE, IF YOU DEBT COLLECTORS STOPPED TRING TO BE TELPHONE TOUGH GUY AND TALK TO PEOLPE LIKE THEIR HUMAN YOU MIGHT GET SOME THINGS DONE. I RETIRED FROM THE SHERIFF DEPT. JUST NORTH OF WHERE STEVE LIVES AND NOW I LIVE IN CLEVELAND AFTER WORKING FOR TWO YEARS IN THE MIDDLE EAST FOR A COMPANY. MY WIFE HAD DEALINGS WITH YOUR COMPANY OVER A DEBT THAT WASN'T EVEN HERS AND YOUR COMPANY TREATED HER LIKE CRAP AND TOLD HER SHE HAD TO PROVE IT, WRONG!!! AS FAR AS YOU TELLING STEVE, THERE WILL BE 500 PEOPLE UP HERE, COME ON UP. YOU ARE ONE REAL STUPIT PERSON. STEVE WOULDN'T BE ALONE. MOST OF THE ADVISE HE GIVES IS GOOD, AND IF COLLECTION AGANCY'S FOLLOWED THE LAW, THEN WHY DO THEY HAVE TO SELL THESE DEBTS BACK-N-FORWARD, WHY NOT SEND ONE LETER AND THEN FILE IN COURT. THE REASON YOU DON'T IS THAT 90% OF ALL THE BULK DEBTS YOU TRY TO COLLECT ON ARE WRONG AND WELL PASS THE STATUE OF LIMITATIONS. AND WHEN YOU DO FILE IN COURT YOU DO IT BEHIND THE PERSONS BACK IN A STATE THEY NEVER LIVED IN.

IF YOU OWED MONEY AND CAN PROVE IT, YOU WOULD HAVE COLLECTED IT, LONG BEFORE THE 7 YEARS IT STAYS ON A FILE, STEVE IS RIGHT, NEVER DEAL WITH YOU PROPLE, IF YOUR SEND A COLLECTION LETTER, AND WANT TO DEAL WITH IT. DEAL WITH THE COMPANY WHERE THE DEBT STARTED. NOT THESE AGENCY'S YOUR MONEY WILL NEVER GO TO THE DEBT ONLY THERE POCKET
NOW KEVIN
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#28 Consumer Suggestion

KEVIN

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

I READ WITH INTEREST, YOU REPLY TO STEVE, IF YOU DEBT COLLECTORS STOPPED TRING TO BE TELPHONE TOUGH GUY AND TALK TO PEOLPE LIKE THEIR HUMAN YOU MIGHT GET SOME THINGS DONE. I RETIRED FROM THE SHERIFF DEPT. JUST NORTH OF WHERE STEVE LIVES AND NOW I LIVE IN CLEVELAND AFTER WORKING FOR TWO YEARS IN THE MIDDLE EAST FOR A COMPANY. MY WIFE HAD DEALINGS WITH YOUR COMPANY OVER A DEBT THAT WASN'T EVEN HERS AND YOUR COMPANY TREATED HER LIKE CRAP AND TOLD HER SHE HAD TO PROVE IT, WRONG!!! AS FAR AS YOU TELLING STEVE, THERE WILL BE 500 PEOPLE UP HERE, COME ON UP. YOU ARE ONE REAL STUPIT PERSON. STEVE WOULDN'T BE ALONE. MOST OF THE ADVISE HE GIVES IS GOOD, AND IF COLLECTION AGANCY'S FOLLOWED THE LAW, THEN WHY DO THEY HAVE TO SELL THESE DEBTS BACK-N-FORWARD, WHY NOT SEND ONE LETER AND THEN FILE IN COURT. THE REASON YOU DON'T IS THAT 90% OF ALL THE BULK DEBTS YOU TRY TO COLLECT ON ARE WRONG AND WELL PASS THE STATUE OF LIMITATIONS. AND WHEN YOU DO FILE IN COURT YOU DO IT BEHIND THE PERSONS BACK IN A STATE THEY NEVER LIVED IN.

IF YOU OWED MONEY AND CAN PROVE IT, YOU WOULD HAVE COLLECTED IT, LONG BEFORE THE 7 YEARS IT STAYS ON A FILE, STEVE IS RIGHT, NEVER DEAL WITH YOU PROPLE, IF YOUR SEND A COLLECTION LETTER, AND WANT TO DEAL WITH IT. DEAL WITH THE COMPANY WHERE THE DEBT STARTED. NOT THESE AGENCY'S YOUR MONEY WILL NEVER GO TO THE DEBT ONLY THERE POCKET
NOW KEVIN
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#29 Consumer Suggestion

KEVIN

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

I READ WITH INTEREST, YOU REPLY TO STEVE, IF YOU DEBT COLLECTORS STOPPED TRING TO BE TELPHONE TOUGH GUY AND TALK TO PEOLPE LIKE THEIR HUMAN YOU MIGHT GET SOME THINGS DONE. I RETIRED FROM THE SHERIFF DEPT. JUST NORTH OF WHERE STEVE LIVES AND NOW I LIVE IN CLEVELAND AFTER WORKING FOR TWO YEARS IN THE MIDDLE EAST FOR A COMPANY. MY WIFE HAD DEALINGS WITH YOUR COMPANY OVER A DEBT THAT WASN'T EVEN HERS AND YOUR COMPANY TREATED HER LIKE CRAP AND TOLD HER SHE HAD TO PROVE IT, WRONG!!! AS FAR AS YOU TELLING STEVE, THERE WILL BE 500 PEOPLE UP HERE, COME ON UP. YOU ARE ONE REAL STUPIT PERSON. STEVE WOULDN'T BE ALONE. MOST OF THE ADVISE HE GIVES IS GOOD, AND IF COLLECTION AGANCY'S FOLLOWED THE LAW, THEN WHY DO THEY HAVE TO SELL THESE DEBTS BACK-N-FORWARD, WHY NOT SEND ONE LETER AND THEN FILE IN COURT. THE REASON YOU DON'T IS THAT 90% OF ALL THE BULK DEBTS YOU TRY TO COLLECT ON ARE WRONG AND WELL PASS THE STATUE OF LIMITATIONS. AND WHEN YOU DO FILE IN COURT YOU DO IT BEHIND THE PERSONS BACK IN A STATE THEY NEVER LIVED IN.

IF YOU OWED MONEY AND CAN PROVE IT, YOU WOULD HAVE COLLECTED IT, LONG BEFORE THE 7 YEARS IT STAYS ON A FILE, STEVE IS RIGHT, NEVER DEAL WITH YOU PROPLE, IF YOUR SEND A COLLECTION LETTER, AND WANT TO DEAL WITH IT. DEAL WITH THE COMPANY WHERE THE DEBT STARTED. NOT THESE AGENCY'S YOUR MONEY WILL NEVER GO TO THE DEBT ONLY THERE POCKET
NOW KEVIN
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#30 Consumer Suggestion

KEVIN

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

I READ WITH INTEREST, YOU REPLY TO STEVE, IF YOU DEBT COLLECTORS STOPPED TRING TO BE TELPHONE TOUGH GUY AND TALK TO PEOLPE LIKE THEIR HUMAN YOU MIGHT GET SOME THINGS DONE. I RETIRED FROM THE SHERIFF DEPT. JUST NORTH OF WHERE STEVE LIVES AND NOW I LIVE IN CLEVELAND AFTER WORKING FOR TWO YEARS IN THE MIDDLE EAST FOR A COMPANY. MY WIFE HAD DEALINGS WITH YOUR COMPANY OVER A DEBT THAT WASN'T EVEN HERS AND YOUR COMPANY TREATED HER LIKE CRAP AND TOLD HER SHE HAD TO PROVE IT, WRONG!!! AS FAR AS YOU TELLING STEVE, THERE WILL BE 500 PEOPLE UP HERE, COME ON UP. YOU ARE ONE REAL STUPIT PERSON. STEVE WOULDN'T BE ALONE. MOST OF THE ADVISE HE GIVES IS GOOD, AND IF COLLECTION AGANCY'S FOLLOWED THE LAW, THEN WHY DO THEY HAVE TO SELL THESE DEBTS BACK-N-FORWARD, WHY NOT SEND ONE LETER AND THEN FILE IN COURT. THE REASON YOU DON'T IS THAT 90% OF ALL THE BULK DEBTS YOU TRY TO COLLECT ON ARE WRONG AND WELL PASS THE STATUE OF LIMITATIONS. AND WHEN YOU DO FILE IN COURT YOU DO IT BEHIND THE PERSONS BACK IN A STATE THEY NEVER LIVED IN.

IF YOU OWED MONEY AND CAN PROVE IT, YOU WOULD HAVE COLLECTED IT, LONG BEFORE THE 7 YEARS IT STAYS ON A FILE, STEVE IS RIGHT, NEVER DEAL WITH YOU PROPLE, IF YOUR SEND A COLLECTION LETTER, AND WANT TO DEAL WITH IT. DEAL WITH THE COMPANY WHERE THE DEBT STARTED. NOT THESE AGENCY'S YOUR MONEY WILL NEVER GO TO THE DEBT ONLY THERE POCKET
NOW KEVIN
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#31 Consumer Comment

Kevin...I called that number you gave me..Where are you?

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

Kevin,

I called that number you asked me to call. Well, I called it [from a payphone] and nobody there knew who you are! Must have some real high turnover there.

I guess you were already fired. No wonder.

I guess your out beating up on old ladies as usual. Maybe a handicapped person for variety.
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#32 Consumer Comment

I guess Creditor's Interchange already fired Kevin the collector!

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

Kevin,

I see you ran your mouth and made some threats and never came back. Did Creditor's Interchange fire you already?

Typical debt collector BS. You little impotent freaks like threatening little old ladies and handicapped people while safely on the other end of a cubicle hundreds or thousands of miles away.

Well, big mouth, I have family less than 50 miles from your office.. I visit between Thanksgiving and Christmas..I WILL stop in and see you..Count on it.

Oh, by the way genius..I contacted the corporate office and made sure they had a copy of your post..did you know you engaged in a criminal act?

What a moron. Go back to your cubicle.
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#33 Consumer Suggestion

Read the facts on Creditor's Interchange

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

I guess they are not as reputable as Kevin from Parma,OH. claims......
>>>>>>>>>>>>>>>>>>>>>>>
Agency Details

Creditors Interchange Receivable Management, LLC ***
80 Holtz Dr
Airborne Business Pk.,
Cheektowaga, NY 14225-1470
Phone: (716) 614-7500
Fax: (716) 614-7546
Web Address: www.creditorsinterchange.com
>>>>>>>>>>>>>>>>>>>>>>>
Other Offices:
Bruce H. Gray, President
Tom Wilcox, Director of Marketing

Appletree Business Park Ste 9
2875 Union Rd
Cheektowaga, NY 14227-1465
Fax: (716) 614-7546

8550 Erie Rd
Angola, NY 14006-9612
Phone: (800) 693-3455
Fax: (716) 614-7611

2700 W. Cypress Rd Ste 100
Ft Lauderdale, FL 33319
Phone: (800) 963-3455
Fax: (716) 614-7611

23355 Mercantile Rd., Suite 9000 A
Beachwood, OH 44122
Fax: (216) 464-0600
>>>>>>>>>>>>>>>>>>>>>>
Bud Says...

These dirt bags have a history of not being able to control their collectors. Below is the results of an action taken against them last year in Minnesota;

CREDITORS INTERCHANGE INC Lic# CA20157551
Against: Collection Agency
Action: Cease & Desist/Consent
Signed: 2/2/2004 $10000 Fine
File # CA 2303834 KRJ
Allegation:
Respondent allowed collectors to threaten actions they had no intention of taking and allowed unlicensed collectors to contact MN residents.

We have just recently received another interesting piece of information about Creditors Interchange. The State of New York is fed up with the unlawful practices of these knuckle-heads. Because of complaints from consumers about Creditors Interchange they were forced to sign a Assurance of Discontinuance to the New York AG. In other words; "We promise not to break the law again". I have attached a copy of the court document in .pdf format. If anyone has problems with this guys please send a letter to the New York AG office, I'm sure they can make sure you are heard.

New York Assurance of Discontinuance against Creditors Interchange.pdf


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August 1, 2003 BUFFALO, NY - Creditors Interchange, Inc. has announced the acquisition of its business operations by two Chicago, Illinois-based private equity firms; Prairie Capital, LP and Caffery Capital Partners, LLC.

Creditor's Interchange is located in (where else) Buffalo, NY, however they have a large collection operation across the river in Canada (ayhh!) where the wages and worker benefits are even smaller. CEO David Young must have gotten one hell of a bonus for pulling this off.

VERY aggressive debt collectors who will lie, threaten and do any illegal act imaginable, just to separate you from your money. These are nasty, desperate conmen, and con-women that should NEVER be trusted. They have posed as bankers, lawyers and other professionals to scare consumers into believing something bad would happen, if monies were not immediately forthcoming.

In reality, these low-life's of the collection industry are nothing but a fraud! Any debt collector from Buffalo, New York is desperate, however Creditors Interchange apparently is hiring the WORST of the WORST! Stay far away from this ship-wreck of out of control rats, they are desperate and dangerous.
[Compliments of:budhibbs.com].
>>>>>>>>>>>>>>>>>>>>>

I guess I can see why Kevin [the collector from Parma,OH] is so proud to work at Creditor's Interchange! That's a real "career" to be proud of! It looks like my appraisal was right on target.
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#34 Consumer Comment

WOW!...I struck a nerve!..Hey..Kevin the collector.. Pissing off scumbag collectors like you is like a sport to me.

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

Kevin,

I can see the truth hurts. Pissing off scumbag collectors like you is like a sport to me. You are the one who is mouthing off over the safety of the internet. I can guarantee you that you would never talk to me like that for even 10 seconds in person. Guaranteed. You are an impotent freak that likes terrorizing little old ladies and handicapped people over the phone.

One more thing. Do you really think I am as stupid as you are? Do you really think I would call that number you posted so you can capture my phone#? I know every trick scumbag. I am always one step ahead of the collector. My record speaks for itself, and yes I am very proud of it. Some big arrogant and greedy companies tried sticking it to me and lost. Yeah, the little guy won.

As far as what I do? I spent 10 years in the military on active duty and served in 2 wars. I am a 30% Disabled Veteran. I have also been a truck driver running 48 states and Canada operating a flatbed. I throw tarps 10 feet in the air that weigh more than you! You would confront me 1 time, and then you would return home as frieght. I'm 42 years old, 6'2" and 228lbs with an attitude and the experience to back it up. Guaranteed. Been there, done that.[In the real world].

FYI...Your company attempted to collect from me when I lived in Midwest City, OK. Guess what hero? I shut you jerks down in about 8 days. Yeah, you are great [in your own mind]. You are your own favorite hero.

Get a life...And a REAL job.
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#35 UPDATE EX-employee responds

Beachwood Office

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

First Off, I hate the company to be honest, there is a site leader that comes down from the buffalo office, he sits in his office doesnt even say hello to the collectors on the floor, he sits in his office and plays soiltare he might actually do 10-15min of work daily, he may spend 1 or 2 months in the beachwood office. The only time he talks to the beachwood management team is at the end of the month cause thats bonus time and thats money in his pocket. He is about as useful as a tird on a stick.



However.....



I see collectors and non collectors fighting here, its simple, ask yourself this one question? Did you use the credit that was issued to you? Did you receive goods and services? Then why would you try to get outta paying it? sounds un-ethical dont you think? Then your bring up the FDCPA laws to try to get outta paying, I also understand that bad things sometimes happen to good people dont get me wrong, alot of the debtors run up credit and they figure let the credit company eat it, then you got people who go so far in the hole they cannot get out, at least those people collectors and collection agencies work with those people and they make payments. Why try to get outta paying credit cards or other debt you ran up, your credit ends up ruined anyway. Yes some collectors use tactics that are unethical as well dont get me wrong, but not all collectors break the law neither to collect debt.



Creditors Interchange is a crappy place to work, the bonus sucks, the beatup accounts suck. If you plan on getting into collections dont work there unless you wanna work there main offices beat up accounts that come from buffalo. The only good accounts the beachwood office gets are given to the collectors that are favored, they management lies to keep you in the seat there, promise you this and that and its all lies trust me, been there done that. There office in beachwood is small anymore and probably will die out within the next year or two anyways, cause of the way they run it, poor management. They cannot keep quality people nor will quality people go there cause once they work there for about two weeks they see the light and the beat up crap they give you to work, plus its all open. If you work an account and the debtor calls you back and someone else gets the phone, that person gets the credit for it not you.
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#36 UPDATE Employee

For Tough Guy Steve

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

Steve,



Boy you are a real tough guy over the internet. I have an idea tough guy, why don't you call the Cleveland office at 1-866-816-3176 and asked to be transferred to me. We'll see how tough you are then. You think you scare me?? You have been studying since 1986 how to be a little bitch and run away from your debts. I would really be proud of that tough guy. For your information dirtbag, I work full time for Creditors Interchange, own a real estate investment company, take part in property management for another company and assist my brother when I can running a restaurant and bar downtown Cleveland. Not bad for a 32 year old happily married guy that could squash you with one hand tied behind my back.





You make comments like "go back to your cubicle" like that is supposed to upset me. What exactly do you do for a living loser?? You talk big and tough about taking down collection agencies and debt collecting attorneys but I asked around my work and within my profession (by the way I worked for a collection attorney for 3 years) and no one has seemed to have heard of your little bitch ass. Hmmm..I'm puzzled..why is that Stevie?? Probably because you're a fake and your whole story is bulls**t!! Steve probably isn't even your real name. You have a book coming out as well?? Sure you do.



I told you in my previous responses that I don't break the law and never have. I know the FDCPA front to back and have never had any problems. Your stupid comments about threatening old ladies just goes to show everyone what a moron you are. All this talk has made think it may be time to take a vacation somewhere warm like Bradenton. You know the food at the Twin Dolphin Marina Grill was pretty good when my wife and I were last there. Not to mention the beautiful view of the Manatee river.I strongly recommend the N'awlins Shrimp Pasta with a 1976 house salad.



See we stay on Gulf Blvd in Treasure Island and take the trip over the Sunshine Skyway bridge every other year. Maybe we can meet you face to face and discuss your tough comments then. Just remember Stevie, I always said you'll get what you got coming to you and who knows it may be coming sooner than you think little man.
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#37 UPDATE Employee

Im not sure where to start

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

Wow...First and foremost I would like to apologize to Dolores for the ignorant collector she dealt with. I do currently work for CI and I am a Fronts collector for a client mentioned in one of the many rebuttals before mine. As far as the politics are concerned, this company is filled with it. I am very familiar with some of the managers mentioned and one imparticular who was blamed for stealing. As a matter of fact she placed an account in one of her collectors desk which was blatantly mine according to the office rules which although is off topic infuriates me because it seems all of our accounts are "filtered" through the Canada offices and we lose a lot of our accounts via that method.



Anyway back to the reason I'm replying to this forum is because I am not a nasty rude or law breaking collector as the "mids" collector claims the "fronts" collectors need to be. I on many occasions have been told by debtors that I am the nicest bill collector they have ever dealt with. I started in a "mids" position and moved up to fronts by collecting a high amount of money and not by bulling people to pay and by asking what is going on. Ignorance is not bliss in this environment. For someone in the mids position to say he/she doesn't know what going on then shame on him/her. We receive memos and if there is something he/she is unsure of, ask someone instead of working in the dark. If there was a complaint you dont need to know who the collector was, simply ask what the violation was so you know not to do it. I am not pro company or pro debtor. As a matter of fact the lazy managers are making me rethink my decision of working in this field period.



There are many collectors in this and every other company that are "dirty" collectors. Instead of people complaining that they had money ripped off for a bill that they never intended to pay only because someone bullied them into paying then they are just as bad for not researching the laws before pulling out their check book. I would never allow a bill collector to call my home and tell me I was going to court or jail if I didn't pay a bill with out certified documents and without doing research on my state laws. I knew to do that long before I took on this job. Being that I am still employeed here, if anyone has any other questions, I'll be happy to answer them. Thanks for allowing me to vent.
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#38 Consumer Comment

Thanx you Steve!!

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

I just got my first letter from Creditors Interchange and am going to follow your advise.



Make sure they follow to the letter the FDCPA.





and sue them if they break it !!!!







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#39 Consumer Suggestion

Response to Kevins post to me.[Advice from a Collector]

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

Kevin,



I suggest you get all of the facts before making assumptions you cannot back up. I have told my story on here many times and am not going through all of it again. However, I had every intention and the ability to pay my debts. I CHOSE not to when the creditors got greedy and decided to double and triple my interest rates for no valid reason. I was a perfect customer. They gave me a take it or leave it attitude when I tried to resolve it.



As far as "getting whats coming to me"? What is that? One of your scumbag collector scare tactics?

Let me aducate you, you stupid freak. Have you ever heard of Statute of Limitations? Well, I have past the legal period in which these debts can be collected.



So exactly what do you thingk anyone can do to me? PLEASE explain. I have beaten every collector and every lawsuit brought against me.



You have been a scumbag for 11 years as you stated. Are you proud of this? I can guarantee you that you are one of those impotent little freaks that feels big terrorizing little old ladies and disabled people from over the phone.



I can guarantee that you would speak to me like that ONE TIME.



I can totally destroy the entire operations of any colection agency in only a few days. I have brought more damage to collection agencies and collections lawyers in such short order that you could not even comprehend.



I play for keeps. I have not lost 1 battle in the debt collection business. I have been studying this since 1986.



You are pissed about someone like me wanting to weaken your hand of terror, thus weakening your already weak position as a parasite. The difference between what you know and what I know is the difference between a panny and a dollar. I'm holding the dollar.



Go back to your cubicle now.
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#40 Author of original report

Please start your own thread!

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

I really don't want to keep getting notifications only to find more bickering. What happened to me happened, I dealt with it, it is what it is, and I let it go. Damon did a really rotten thing, I reported it, he faced a consequence. I'm still struggling out of the hole that my ex-husband put me in, and I will for a long time. I don't have the inclination to be a part of your pissing contest. This website does the general public a good favor, it helped me, but you guys are just trying to see who has the biggest weiner. Plese start your own thread, guys!
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#41 UPDATE Employee

Response to Steve in Bradenton

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

Steve,



You are still running away from the fact that you bragged about having $170k in debt that you walked away from. If you had such PERFECT credit like you said then what happened?? I'll tell you what happened "professional debtor" You got a phone call from a debt collector and didn't like his tactics so you decided to research ways to "weasel" out of your debts. Steve, I know your kind. I have been doing this for 11 years now and I have seen it all and heard it all. You say you are producing a book that teaches people to get out of ways to paying their responsibilites. YOU ARE PATHETIC!!





Let me guess Steve...someone held a gun to your head and made you sign papers to run up credit right?? They made you sign those credit card receipts as you were going to dinner and shopping etc.. If everyone found ways to not pay their bills and the big banks lost their asses then guess what would happen idiot..the entire economy of the United States would fall apart. The dollar wouldn't be worth S**T!! Indonesia's economy would perform better than ours. As I stated in my last response to you and Don in Bellville I hope you are listening as well, Damon Wilson was wrong for what he did but believe it or not he is a really good guy otherwise. He has to deal with whatever consequences he will face.



I completely ageee with what Delores is doing,I would file a complaint if it happened to me. Debt collection is a very tough business and there is a way to do it law abiding and still make a good living. That is how I pay bills on time (Did you hear that debtor Steve) I said pay bills not run away from them. Anyone who wastes their hard earned money on your book is contributing to your success and America's failure. Remember my words Steve, you definitely are going to get what you got coming to you pal.
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#42 UPDATE Employee

Response to Steve in Bradenton

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

Steve,



You are still running away from the fact that you bragged about having $170k in debt that you walked away from. If you had such PERFECT credit like you said then what happened?? I'll tell you what happened "professional debtor" You got a phone call from a debt collector and didn't like his tactics so you decided to research ways to "weasel" out of your debts. Steve, I know your kind. I have been doing this for 11 years now and I have seen it all and heard it all. You say you are producing a book that teaches people to get out of ways to paying their responsibilites. YOU ARE PATHETIC!!





Let me guess Steve...someone held a gun to your head and made you sign papers to run up credit right?? They made you sign those credit card receipts as you were going to dinner and shopping etc.. If everyone found ways to not pay their bills and the big banks lost their asses then guess what would happen idiot..the entire economy of the United States would fall apart. The dollar wouldn't be worth S**T!! Indonesia's economy would perform better than ours. As I stated in my last response to you and Don in Bellville I hope you are listening as well, Damon Wilson was wrong for what he did but believe it or not he is a really good guy otherwise. He has to deal with whatever consequences he will face.



I completely ageee with what Delores is doing,I would file a complaint if it happened to me. Debt collection is a very tough business and there is a way to do it law abiding and still make a good living. That is how I pay bills on time (Did you hear that debtor Steve) I said pay bills not run away from them. Anyone who wastes their hard earned money on your book is contributing to your success and America's failure. Remember my words Steve, you definitely are going to get what you got coming to you pal.
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#43 UPDATE Employee

Response to Steve in Bradenton

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

Steve,



You are still running away from the fact that you bragged about having $170k in debt that you walked away from. If you had such PERFECT credit like you said then what happened?? I'll tell you what happened "professional debtor" You got a phone call from a debt collector and didn't like his tactics so you decided to research ways to "weasel" out of your debts. Steve, I know your kind. I have been doing this for 11 years now and I have seen it all and heard it all. You say you are producing a book that teaches people to get out of ways to paying their responsibilites. YOU ARE PATHETIC!!





Let me guess Steve...someone held a gun to your head and made you sign papers to run up credit right?? They made you sign those credit card receipts as you were going to dinner and shopping etc.. If everyone found ways to not pay their bills and the big banks lost their asses then guess what would happen idiot..the entire economy of the United States would fall apart. The dollar wouldn't be worth S**T!! Indonesia's economy would perform better than ours. As I stated in my last response to you and Don in Bellville I hope you are listening as well, Damon Wilson was wrong for what he did but believe it or not he is a really good guy otherwise. He has to deal with whatever consequences he will face.



I completely ageee with what Delores is doing,I would file a complaint if it happened to me. Debt collection is a very tough business and there is a way to do it law abiding and still make a good living. That is how I pay bills on time (Did you hear that debtor Steve) I said pay bills not run away from them. Anyone who wastes their hard earned money on your book is contributing to your success and America's failure. Remember my words Steve, you definitely are going to get what you got coming to you pal.
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#44 UPDATE Employee

Response to Steve in Bradenton

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

Steve,



You are still running away from the fact that you bragged about having $170k in debt that you walked away from. If you had such PERFECT credit like you said then what happened?? I'll tell you what happened "professional debtor" You got a phone call from a debt collector and didn't like his tactics so you decided to research ways to "weasel" out of your debts. Steve, I know your kind. I have been doing this for 11 years now and I have seen it all and heard it all. You say you are producing a book that teaches people to get out of ways to paying their responsibilites. YOU ARE PATHETIC!!





Let me guess Steve...someone held a gun to your head and made you sign papers to run up credit right?? They made you sign those credit card receipts as you were going to dinner and shopping etc.. If everyone found ways to not pay their bills and the big banks lost their asses then guess what would happen idiot..the entire economy of the United States would fall apart. The dollar wouldn't be worth S**T!! Indonesia's economy would perform better than ours. As I stated in my last response to you and Don in Bellville I hope you are listening as well, Damon Wilson was wrong for what he did but believe it or not he is a really good guy otherwise. He has to deal with whatever consequences he will face.



I completely ageee with what Delores is doing,I would file a complaint if it happened to me. Debt collection is a very tough business and there is a way to do it law abiding and still make a good living. That is how I pay bills on time (Did you hear that debtor Steve) I said pay bills not run away from them. Anyone who wastes their hard earned money on your book is contributing to your success and America's failure. Remember my words Steve, you definitely are going to get what you got coming to you pal.
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#45 Consumer Suggestion

Thanx Don...And some info for Kevin the collector..

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

Kevin,



Your assumption is way off base. I have had great credit all my life and during this particular period of my life had 14 straight years of perfect credit, and a 735 credit score. I do mean absolutely perfect. Not even 1 late pay. PERFECT.



I established credit at 17 years old when I bought a car that my Dad co-signed for. I made the payments on time every time and paid it off. I then bought my first house at age 21 with no help from anyone and my credit was so good I got 100% financing.



Professional debtor? I think not.



I made a CHOICE to not accept being "bent over" by big business just because they feel like it! It was the greed and arrogance, and the "take it or leave it" attitude they displayed. They outright told me there was nothing I could do about it.



Well, they were wrong. I already have my credit rebuilt above the 600 level and everything I own is paid for and I have plenty of money in the bank.



I have no need to bargain with these freaks, nor do I have a reason to deal with debt collectors.



My choice. Not yours. Not the bank's. MINE.



I wish more debtors would take the stand I did, as if they would, the banks could not get away with this as much as they do.



I cannot wait for my book to hit the shelves of your local bookstores. It will have actual copies of correspondence I used with the banks, and subsequently the collectors. It will also display many of the illegal collections notices and legal actions taken against collectors by me, and copies of the checks I recieved for damages.



I will destroy the unsecured credit industry and the debt buying industry. I have national tv and radio promotion already in place.
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#46 Consumer Suggestion

defending Steve from Bradenton

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

For the last poster, as a debt collector I will defend Steve. While I may not agree with some of his "guerilla" tactics (faxing 200 pages of the phonebook to all fax numbers for a collector for example), he provides great advice to frustrated debtors on here all the time. If you have looked at his previous posts, he has said that credit companies started raising his interest rates for no reason. He worked with most of the creditors and got them to return the rates to the original. The ones that did not, he did not pay.



Almost every story on here is about an FDCPA violation. Each time a collector breaks the law, it makes us all look bad. I know that I don't willing break the FDCPA or state laws. I will even admit that once I accidently discussed a $50 debt with a spouse in Missouri. I broke the state law, not on purpose by accident. What your friend did here was so far over the line. I can understand vouching for your friend, but his actions were indenfensible.
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#47 UPDATE Employee

Response to Steve in Bradenton

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

Steve,



You say you walked away from $170k in unsecured debt right?? Is that something to be proud of?? You're what we call a "professional debtor." You know all the bulls**t lies to weasel your way out of paying your RESPONSIBILITIES!! No one held a gun to your head and made you run up that much in debt right? I don't care if half of that money is interest and late charges. You still ran away from paying what was rightfully something you owed!! People wonder why the deficit of The United States is so bad. Take a look in the mirror Steve, YOU ARE THE REASON!! People like you that find ways out of paying their bills help contibute to this country's failure and the reason other countries economies are kicking our A**!! You are probably the kind of loser that would put his own hair in his food to get it free at a restaurant.



I work for Creditors Interchange and I DON'T break the law. You told Lump that he should get a real job right?? I haven't made less than $45k a year since I started working there 4 years ago. Not bad for not having a real job Huh Steve? Collections puts money back into the United States economy. Don't forget that next time you gloat and run your smartass mouth Steve. I know Damon Wilson personally and he made a terrible mistake for what he did to Delores. He will pay for it for sometime now. I hope for nothing less than the best for him and for Delores as well. As for you Steve, sooner or later you will get what you got coming to you. Here's some advice for you: Do yourself a favor and stay clear of Buffalo and Cleveland because your smartass mouth has made you about 500 new enemies.



A Proud Debt Collector

Cleveland,Ohio
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#48 Consumer Comment

No Longer Making a Point!!

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

None of you are!! Please, make a valid point or stop posting! Deep Throat, you 'took one for the team', and I'm sorry you lost your job. I hope you do well. Steve in Bradenton, I'm sorry you chose NOT to pay the debts YOU OWE. I wish I had that choice, but I have a conscious instead. Making a Point - the courts don't need to prove a thing here. I have a tape of Damon's voice (now in the possession of the NYAG), therefore, no libel OR slander has occurred. The man was a menace and got what he deserved.



UPDATE FOR ALL: It's my understanding that Damon WAS in fact terminated, as he should have been, for violating the LAW. C.I. is now facing the music for its blind eye in allowing its employees to continue to do exactly what CI said they would not, and they have met and will be meeting again with the AG's people to answer for themselves. The AG is also aware of this particular posting and has been monitoring it (thank you for posting the names of your supervisors, CI guys!). As long as they allow this behavior, they should be held accountable. I know that all of this is just a slap on the wrist, but maybe if they're slapped enough, they'll start to pay attention.
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#49 Consumer Suggestion

Suggestion for "Lump"

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

Why don't you get a real job that will give you some sense of accomplishment.



What made you decide to be a collector? Do you have some need for percieved power, or are you wanting to get even with society.



You should not judge people who owe money. Everyone has different reasons for not paying, and most simply do not have a choice.



Then there are people like me who made a choice to just walk away due to the arrogance and greed of these creditors, and the standard take it or leave it attitude.



Sounded like two choices to me!
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#50 Consumer Comment

Reply to "Deep Throat"

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

FYI...People that are in collections are not worried about a credit score.



This is because the damage is already done, and paying a debt that is in collections will HURT your credit more than it will help it!



I was not insulting you. I was just stating fact in regard to your post.



ps..I saw your termination coming..ALL collection agency management read Rip OFF Report!
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#51 UPDATE Employee

Making a Point!!!

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

i must first off state that yes im an employee of creditors interchange, and im going to make this quick, yes we all know that most collectors break the FDCPA, but the simple fact is if Damon Wilson did do this then you should wait until it's proven by the courts and then slander his name, but until that happens the simple fact is everyone is this country is always looking for the easy way out, you wonder why we have to break the law and do the things we do why dont you try to sit behind a desk and make 150-200 calls a day and leave work realizing you didn't accomplish a thing cause debtors have no intent on paying there bills.



So if anyone wants to try and do my job and go home feeling like you accomplished nothing then have to here about people like this just making your job harder just cause they dont follow through with an abiding contract they signed. The moral of this is why dont debtors just stop trying to take the easy way and take care of there business.



Have a nice day: hope to talk to all of you soon "litterally" :)
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#52 UPDATE EX-employee responds

No Longer..

AUTHOR: DeepThroat - (Canada)

People of the rip-off report , I would like to let you know now that while ill be able to give you plenty of information that i wasnt able to before, that any new news from within the company i will not be able to provide as of yesterday.

as i no longer need to worry about losing my job with Creditors Interchange. The person who i saw was robed and stolen from before was me and when the manager natalie felt threatened by me and my wanting to goto the ministry of labour, the better business bureau, and the NY AG, so she fabricated lies and paid off her friends (or shall i say blackmailed them threatening to do the same to them as she did to me) and i have been terminated from the company.



I will continue to write bits of new information and keep you all updated as far as the ministry of labour against creditors interchange.... the NY AG may give C.I plenty of chances....but now C.I is dealing with the canadian employment law makers and justices as well.
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#53 UPDATE Employee

TO STEVE

AUTHOR: DeepThroat - (Canada)

IF YOU HAVNT BEEN ABLE TO NOTICE YET, I AM ON YOUR SIDE REGARDING THIS COMPANY'S COMPLETE DISREGARD FOR THE LAW.....SO YOUR INSULTS ARE NOT REQUIRED, SAVE THEM FOR THE MANAGEMENT. I HAVE PROVIDED THEIR EXTENSIONS.

PAY YOUR BILL, OR DONT PAY YOUR BILL....DOESNT REALLY MATTER TO ME. ITS YOUR CREDIT SCORE. WHAT I WAS TRYING TO SAY BEFORE WAS THAT A PAYMENT IS REQUIRED TO KEEP YOUR CREDIT SCORE AT AN O.K. STANDING. BUT ONCE AGAIN, I DONT CARE ABOUT THE PAYING YOUR BILL THING, AFTER ALL THEIR ARE COLLECTORS WHO ALSO HAVE OUTSTANDING DEBTS THAT THEY DONT PAY.



I WANNA BRING DOWN THIS COMPANY AS MUCH AS ANYONE ELSE, IF NOT MORE CAUSE I KNOW WHAT ITS LIKE ON THE INSIDE. PLEASE UNDERSTAND I AM TRYING TO HELP YOU, AND MYSELF....NOT THE COMPANY
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#54 UPDATE Employee

HIDING TRUTH

AUTHOR: DeepThroat - (Canada)

04/04 1029AM

MESSAGE FROM DAVID PELTAN

MANAGER IN BUFFALO OFFICE

TO C.I. EMPLOYEES



BOTH CLIENTS AND INTERNAL AUDIT REVIEW ACCOUNT NOTES. BE SURE TO DOCUMENT ACCOUNTS PROPERLY TO APPEARANCE OF FDCPA VIOLATIONS.











AS CAN BE SEEN HERE, THE COMPANY ENCOURAGES HIDING THE TRUTH! I HAVE EVEN IN THE PAST, ESPAECIALLY BY NATALIE P., REPREMANDED FOR DOCUMENTING WHEN A DEBTOR CALLS IN TO COMPLAIN ABOUT THE HARASSING OR ILLEGAL ACTION BY ANOTHER COLLECTOR.



TELL DAVID AND NATALIE HOW YOU FEEL ABOUT THIS



NATALIE EXT 5377

DAVID EXT 5386



ALL AT 18777706318
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#55 Consumer Suggestion

Suggestion for "Deep Throat" -Ontario

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

"Dep Throat",



You made a statement that is absolutely false, and i would like to correct you on it now.



You said:

"I would like to say though, that while a lot of the fronts and managers push for really high payments, that a payment none the less is required. After all, a credit card cant go unpaid".



Do you REALLY believe this? NO payment is REQUIRED, and credit cards CAN go UNPAID! Indefinitely!



I walked away from nearly $170k in unsecured debts [credit cards] approx 4 years ago. And guess what?



I have beaten every slimy debt collector, and every bottom feeding wanna be lawyer that has attempted to come after me. I have sued several for FTC violations and been paid, and have 1 attorney in process of getting dis-barred.



Therefore, credit cards CAN go unpaid.



Get your facts straight before spouting of BS.
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#56 UPDATE Employee

"MIDS" are not really informed of anything that is going on

AUTHOR: DeepThroat - (Canada)

Steve from Florida, while i'd like to thank you for the information regarding the assurance of discontinuance, which i and many of my coworkers here in the canadian office were not aware of (thats right, us low level collectors, which are called "MIDS" are not really informed of anything that is going on.



I'll get more into that point later). As a matter of fact, we were not really given much information regarding the situation that happened to Delores either, all we heard was that there was an AG complaint and our doors were almost shut down.



The collectors that most of you have had problems with are what are called as "Front" collectors, and the other group called "Mids". MIDS are lucky if they get to speak to even 1 debtor or person within an hour long period. We mostly leave messages, and the FRONTS are usually not transfering our returned calls to us unless its someone reporting a wrong number, and the fronts talk to people only and are rarely evr heard leaving a message.



Us mids don't really get incoming calls unless all the fronts and managers are out on there hour long lunches while the rest of us are still working. The front collectors are aware of what REALLY goes on, while it is us MIDS collectors that really get horrible treatment and not informed of anything that goes on, in fact, we are usually lied to about everything, in fact if it werent for this website, I wouldnt have gotten some of the real info as to what has been happening to you, the debtors.



I would like to say though, that while a lot of the fronts and managers push for really high payments, that a payment none the less is required. After all, a credit card cant go unpaid. The money was spent, and settlements can rid of those pesky intrest rates that BANK OF AMERICA puts on the credit cards. thats right, while we might have the account, only a certain fee goes to the company, the gross of it still goes to BOFA.



But anyways, yes the payments you CAN make to settle your account are not usually mentioned 1st, if at all by most of my fellow, and I use the term "fellow" loosley, co-workers.



If you would like to speak to one of these corrupt managers , you can call the C.I. BOFA # 1-877-770-6318 ext. 5377. that would be Natalie P., or Craig M. at ext. 5318. Let them know how you feel about their business practices. They would LOVE to hear from you. I have heard some of their calls, I will usually try to transfer a call to them every now and then and the low settlement that I offered before, would be eliminated and a hopeful payer would then be screwed from a low settlement because of them.
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#57 Consumer Comment

Thank you, Canadian C.I. person

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

Yes, I filed a complaint immediately with THE attorney for the State of New York who signed the Assurance to Discontinue (and included a copy of it), WITH a copy of the audiotape of Mr. Wilson. I copied the FTC, the State of Connecticut Attorney General AND C.I. I also enclosed a copy of the Minnesota ruling. Though I would love to believe that Mr. Wilson was terminated for his actions, "I'll believe it when I see it." My account was probably transferred to another collector. If there is any way that you can tell me, or the public, what we can do to assist you in bringing down this beast, and stopping their business tactics, I hope you do so. I have never claimed that I don't owe this debt; although my ex-husband was assigned to pay this account in our divorce agreement, he has not, and I know that I am still responsible (like you said, one of the "rough spots"), but I do not have to, and will not tolerate this kind of harassment. It's embarassing enough not to be able to pay all of my bills. I could not care less that you're Canadian. Please let me know what I can do to help stop these business practices.
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#58 Consumer Comment

Info for Delores on this collection agency

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

Agency Details



Creditors Interchange Receivable Management, LLC ***

80 Holtz Dr

Airborne Business Pk.,

Cheektowaga, NY 14225-1470

Phone: (716) 614-7500

Fax: (716) 614-7546

Web Address: www.creditorsinterchange.com



Other Offices:

Bruce H. Gray, President

Tom Wilcox, Director of Marketing



Appletree Business Park Ste 9

2875 Union Rd

Cheektowaga, NY 14227-1465

Fax: (716) 614-7546



8550 Erie Rd

Angola, NY 14006-9612

Phone: (800) 693-3455

Fax: (716) 614-7611



2700 W. Cypress Rd Ste 100

Ft Lauderdale, FL 33319

Phone: (800) 963-3455

Fax: (716) 614-7611



23355 Mercantile Rd., Suite 9000 A

Beachwood, OH 44122

Fax: (216) 464-0600

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

[Courtesy of BudHibbs.com]>>

Bud Says...



These dirt bags have a history of not being able to control their collectors. Below is the results of an action taken against them last year in Minnesota;



CREDITORS INTERCHANGE INC Lic# CA20157551

Against: Collection Agency

Action: Cease & Desist/Consent

Signed: 2/2/2004 $10000 Fine

File # CA 2303834 KRJ

Allegation:

Respondent allowed collectors to threaten actions they had no intention of taking and allowed unlicensed collectors to contact MN residents.



We have just recently received another interesting piece of information about Creditors Interchange. The State of New York is fed up with the unlawful practices of these knuckle-heads. Because of complaints from consumers about Creditors Interchange they were forced to sign a Assurance of Discontinuance to the New York AG. In other words; "We promise not to break the law again". I have attached a copy of the court document in .pdf format. If anyone has problems with this guys please send a letter to the New York AG office, I'm sure they can make sure you are heard.



New York Assurance of Discontinuance against Creditors Interchange.pdf





--------------------------------------------------------------------------------



August 1, 2003 BUFFALO, NY - Creditors Interchange, Inc. has announced the acquisition of its business operations by two Chicago, Illinois-based private equity firms; Prairie Capital, LP and Caffery Capital Partners, LLC.



Creditor's Interchange is located in (where else) Buffalo, NY, however they have a large collection operation across the river in Canada (ayhh!) where the wages and worker benefits are even smaller. CEO David Young must have gotten one hell of a bonus for pulling this off.



VERY aggressive debt collectors who will lie, threaten and do any illegal act imaginable, just to separate you from your money. These are nasty, desperate conmen, and con-women that should NEVER be trusted. They have posed as bankers, lawyers and other professionals to scare consumers into believing something bad would happen, if monies were not immediately forthcoming.



In reality, these low-life's of the collection industry are nothing but a fraud! Any debt collector from Buffalo, New York is desperate, however Creditors Interchange apparently is hiring the WORST of the WORST! Stay far away from this ship-wreck of out of control rats, they are desperate and dangerous.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>



I hope this helps



File FTC complaints on each individual FDCPA violation, and I would sue them for the max allowed by law which is up to $1000 plus costs PER violation.



Good luck
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#59 UPDATE Employee

Clear Up

AUTHOR: Anonymus - (Canada)

Ok, there are some things that have to clear up that have been said by yourselves.



1st off, yes, we actually do use our real names. I have spoken to Damon Wilson before , and don't worry. While the company is corrupt, if someone like mr. wilson is stupid enough to get his voice with an incriminating message recorded, then it means bad press for the company, and a huge fine.



So obviously, damon wilson has been terminated. Even our managers give us sh** and suspend us if we use a fake name and/or alias. Also the comment about rewarding top collectors, not ALL of us are bad, and I do take some offence to that comment. And don't forget, while the some people we call are nice ppl who just got is a rough spot, there are still alot of arrogant bast**ds who are rude and deserve what they get.



And to be honest, I'm not a FELLOW american, 2 of creditors interchanges offices are located in Canada, close to the american border. Thats right, I'm canadian. Say about me what you will, I'm not as naive to think that americans, or at least a good portion of you, dont bad mouth canada.



But this forum is about C.I, not canada.

Also, as another good example of You Think you got it bad. One of the most recently promoted managers, Natalie P. (CI CODE:NPH) is an unprofessional ego-maniac with a major power trip after being given the promotion, in fact, she stole from another collector, and I don't mean an account, but money and personal belongings on the employees desk, one being a DVD, which was returned scratched and coated with greasy fingerprints.



When the person tried to approach her (off of work time) she used the manager card and had him suspended without pay. Needless to say action will be taken. The line in the sand has been crossed and theres no going back, an revolution needs to be made. Anything you all want to know, the info will be provided as soon as possible. Oh, and as far at the question goes as to why people seem so unreasonable when dealing with settlements and payments, etc. Bonus checks for highest amount collected.



I am going to end this message with something you all need to know, my employer as well.



Collections is not a bad thing. It's the company, and even further, the way a collector as an individual conducts business that is to be determined as good or bad. Without collections the world's economy would not function, and would plunge. You may think you 1 debt doesnt make a difference. But you have no idea.



I am not defending the debtors out there, but I am certainly not going to stand by and let a company who treats its employess the way they do get away with it. I would be more then happy to join with anybody here, for a movement against the company, one side for the people who have been harassed by the company, and another side for those employees of it who can't take it anymore. If any C.I employee is reading this that is fed up with the political bullsh** and everything else corrupt and unproffessional about the company, I implore you to come forward and help make a stand.



Also Delores, you ask why I don't quit, why I dont find another employer. To bring down the beast, you must kill it like a cancer from the inside.
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#60 Author of original report

Thanx for responding, CI employee...

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

It's nice to have feedback from someone "on the inside". Obviously you are having a struggle with your conscience and the job that you are expected to do, at the risk of being treated like dirt and probably having your job threatened. It's disturbing to me that your company website actually rewards its top collectors, further encouraging the distateful practices that your company uses. If your job is so distasteful, why not find another for an employer who will treat you with dignity? Perhaps you could share your experiences with the NY attorney general and become an insider for them; I would challenge you to do so and maybe sleep a little better at night. I understand that you people have a job to do, and your own bills to pay, but there are times, like what has happened to me, when the law is clearly being broken. Being rude and obnoxious is one thing, and not against the law, but making threats and accessing a personal phone account is illegal. If you know who "Damon Wilson" is, because I know these collectors don't use their real names, that information would be greatly appreciated. I don't know how THAT man sleeps at night, however, if he is as obnoxious in the rest of his life as he is at his job, then he has no problem, I'm sure.
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#61 Consumer Comment

questions for CI employee - bless you for posting

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

I've never dealt w/CI, but I want to know something about collection agencies, if you are able to provide the information. Why do the representatives seem unphased by, and even push back and get uglier, consumers who question, request, or otherwise comment on their consumer rights as listed in the Fair Debt Collection Practices Act?



Also, why do debt collectors refuse to provide a signed contract or other information confirming that a consumer, in fact, owes the debt, as is their right under the FDCPA (especially those consumers who are wrongly accused or have had their identities stolen)?



I am just curious. I have an inquiry on my credit report from another collection agency, which has not been removed (lowering my credit score), even though I currently have a perfect credit report (FICO score in upper 700s), meaning I have not been late on anything to necessitate a collection agency contacting me. The whole credit industry frustrates the heck out of me. I just thought getting answers to a couple of questions I've always had would be nice.



Thanks!! :)
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#62 UPDATE Employee

You Think You Got It Bad??

AUTHOR: Anonymus - (Canada)

hello delores, you wanted a reply on your comment about creditors interchange and now you've got it! but not from a "debtor", from a debt collector who works for Creditors Interchange. I dont know what they were calling you about but i work on the Bank Of America portfolio. Dont Get Upset...im not about to harass you about ur comment, i may work for them but i as well do not agree with alot of the business practices that they engage in....but i gotta pay rent and gotta eat..Even if we were almost all left without a job because of it.

Anyways.......if you think being treated the way you are was bad........ we as collectors are treated like shit at C.I. We get so stressed out and treated like shit that some ppl do take what the ppl say to us when we call them too personal. i wont lie, i have been possibly a jerk to some ppl as well....but they hav to be pretty rude to me first before i would do that.

If anyone wants to know more about the shit that goes on there.....leave a message here and i will respond. i will not however, say my name, or my email address. i will remain anonymus.
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#63 Consumer Suggestion

FILE A REPORT WITH THE POLICE AND THE FBI....

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

This jerk has committed a crime, and could actually look at some FEDERAL charges, being that he used interstate telephone lines to essentially access a phone line that did not belong to him. You have it on tape, which I think is fabulous.



Don't let this go..people like this HAVE to be stopped and the junk debt buyers who employ these crackheads MUST be held accountable.



Please do this ASAP, or it will only get worse.
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#64 Author of original report

He changed my voicemail message!!

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

This guy actually called my cell phone, got lucky enough to figure out my password, and CHANGED my outgoing message!! A little jingle that he SANG: I am a debtor, and I don't pay my bills, so if you're looking for money, forget it!



I have recorded this onto a tape and am filing a complaint with the NY Attorney General today.
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