Accounts Receivable Management ripoff Lied regarding past due debt with Household Auto Finance Corporation Thorofare New Jersey

This is a copy of a letter that I sent to Account Receivable Management... hope it can help someone

THIS IS THE THIRD TIME I'VE
SENT THIS LETTER IN THE PAST
28 DAYS. YOUR AUTO-DIALER
CALLS CONTINUE DESPITE PREVIOUS
ATTEMPTS TO CONTACT YOU...
STOP THE CALLS IMMEDIATELY

February 7, 2006

Accounts Receivable Management Inc
733 E. Route 70
Marlton, NJ 08053

RE: Termination of telephone calls

Dear Sir or Madame:

Today you called me for the fifth time since February 3, 2006. Your calls are in violation of Federal and Washington State Laws. You have been calling me for unexplained reasons. Your calls do not state the nature of your business, nor do the calls identify yourselves. I used my previous experience as a Criminal Investigator to locate you and file my complaints.

Therefore, the calls will stop. The following Federal and Washington State Laws apply:

TITLE VIII - DEBT COLLECTION PRACTICES
(Fair Debt Collection Act)
805. Communication in connection with debt collection [15 USC 1692c]
(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
You were notified in writing
via US MAIL on January 10, 2006
You were notified a second time via
US MAIL on January 20, 2006

As I assume you are licensed in Washington State, the following laws apply:
Revised Code Of Washington
Chapter 19.16 RCW 19.16.250
No licensee or employee of a licensee shall:
Prohibited practices: (9) Communicate or threaten to communicate, the existence of a claim to a person other than one who might be reasonably expected to be liable on the claim in any manner other than through proper legal action, process, or proceedings except under the following conditions:

(ii) The debtor has not in writing disputed any part of the claim.
A written dispute was sent to you via US Mail
on January 10, 2006 A second written dispute was sent to you via US MAIL on January 20, 2006

***************************************

If you use legal remedies as a means of recovering this debt, you will have absolutely no means of recovering your claim. I am on Social Security and you cannot touch those earnings. Since your memory lapse appears quite severe, please allow me the honor of refreshing your minds:

TITLE 42 > CHAPTER 7 > SUBCHAPTER II > 407

407. Assignment of benefits

(a) In general
The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law.

Chapter 19.16 RCW
COLLECTION AGENCIES
RCW 19.16.250
No licensee or employee of a licensee shall:
12) Communicate with a debtor or anyone else in such a manner as to harass, intimidate, threaten, or embarrass a debtor, including but not limited to communication at an unreasonable hour, with unreasonable frequency, by threats of force or violence, by threats of criminal prosecution, and by use of offensive language. A communication shall be presumed to have been made for the purposes of harassment if:

(a) It is made with a debtor or spouse in any form, manner, or place, more than three times in a single week I typically receive one to two calls per day These calls continue as of February 7, 2006 (28 days after notifying you via US MAIL to cease all forms of contact)
(13) Communicate with the debtor through use of forms or instruments that simulate the form or appearance of judicial process, the form or appearance of government documents, or the simulation of a form or appearance of a telegraphic or emergency message

Calls do not identify caller and have sense of emergency

*********

Dont let these jerks push you around!! Heres my letter to the WA Atty General

February 7, 2006

Washington State Attorney General
PO Box 2317
Tacoma, WA 98401-2317

RE: Violation of Washington State Collection
Agency Codes (RCW 19.16.250)

Dear Sir or Madame:

I have been receiving "Auto-Dialer" telephone messages on my Voice Mail system from a Collection Agency called "Accounts Receivable Managment" in New Jersey. The answers left on my Voice Mail do not identify the caller, the nature of the call and why it is so imperative that I return this call immediately.

Washington State Law forbids Collection Agencies from leaving urgent messages with no further details {19.16.250(13) RCW}.

Additionally, the Collection Agency calls several times per day. No message is left other than the robotic "Auto-Dialer" message. This repeated telephone calling is harassment and in violation of Washington State Law forbidding Collection Agencies from using telephone harassment as a means of collection {19.16.250(12)(a) RCW}. This Law forbids collection agencies from making a total of three telephone calls to the consumer or his/her spouse per week. I routinely receive at least one call per day (total of seven per week), but it is not unusual to get three calls per day.

I've just written my third letter to "Accounts Receivable Management". I'm not sure of their actual mailing address so I have sent the letters to every address they have listed on-line and in the telephone book. These letters have not been returned as undeliverable by the Post Office, so it is safe to assume the letters reached the collection agency.

Despite their receipt of a letter dated January 10, 2006 directing them to cease all contact with me "Accounts Receivable Management, Inc." continues to utilize telephone "Auto-Dialers" to contact me on a regular basis

Despite their receipt of a letter dated January 20, 2006 directing them to cease all contact with me "Accounts Receivable Management, Inc." continues to utilize telephone "Auto-Dialers" to contact me on a regular basis.

A letter was mailed via Certified US Mail on February 7, 2006 directing "Accounts Receivable Management, Inc." to cease all contact with me. I will keep track of when they receive the letter and if they act quickly to terminate the "Auto-Dialer" telephone calls as well as any other attempt to contact me.

"Accounts Receivable Management, Inc." has displayed a complete disregard for Washington State Law regarding Collection Agencies. In addition to the two RCW Code violations listed above, this company has violated Section 19.16.250(9)(ii) RCW through their continued contact with me despite my written directives to stop all communication with me.

Federal Law has also been violated. The Fair Debt Collection Act forbids a collection agency to continue to communicate with a consumer after that consumer has notified the collection agency to stop all contact. Only under certain conditions may a collection agency contact a consumer who no longer wishes contact. Those conditions have NOT been met in this situation and certainly a telephone "Auto-Dialer" message on my Voice Mail is not in the spirit of this Law.

Of course, I hope the calls from "Accounts Receivable Management, Inc." will cease immediately. However, I'd also sincerely like the Attorney General's Office and perhaps the Washington State Department of Licensing to take a close look at this company and perhaps reprimand the company or revoke it's license to do business in Washington State. The company has displayed a complete disregard for laws specific to our State. I wrote letters to "Accounts Receivable Management, Inc.," and with no confusion and total candor which Washington State Laws they were violating, and continue to violate. Action by some jurisdiction in the State of Washington would be most appropriate.

Thank you for taking the time to investigate this violation. I can be reached at the address below if you need any additional assistance to complete your investigation.

Last Christmas I was paying off my husbands creditcard to them, we only owed 465.00 December was the last payment, then it went up to 965.00 in a month, I said no way, this Jason Got on the phone calling me names said he was going to seize my bank account and wages, said go ahead try because the debt is not mine it is my husbands before we were married and the checking account is in my name only, he tried, the bank stop all futher monies taken out, I callled the credit card company and they said they payments are done. First Premier then told them to cease any futher collection action to my husband they refused, calling all the time, and the name calling was bad, We filled with the FTC, hopefully they will be fined or something. Go straight to the source of your debt if your not sure about the collection agency.