Cobra Collection cobra collection harassment verbal abusive threats better business bureau no help Columbus Georgia

The businesses always whine that they are a victim of something when they have been caught with their pants down. I got swift justice after how brooke from cobra demeand me and put me down and so did her loser boss who promoted her. In this country criminals like brooke and janice get away with these types of crimes in the collection agency business. To bad not all collection companies get busted for their law breaking ways.

The scum at cobra can claim they are the victims all they feel like. Nobody buy's that story. When you treat people unjustly and don't considered their financial situation but still demand payment out of them and harass them and demean them. You get what you deserve. And cobra got what they deserve if they claim somebody stole from them. Because they sure don't mind stealing from creditors. These cobra scum employees have no conscious. To do what they do to people, instead they will say that you're making up false things about them to get out of paying for a bill.

The collection employees at cobra are a bunch of hypocrites putting you down for not paying a bill. While they wrote 3 bad checks to the lease company and enriching them selves with the money they collect from people and not giving it to their creditors.

Looks like karma as bit the owner In the a*s.  They where the ones,  stealing money from the doctors.  Telling people they should pay what they owe.  Yet they was keeping thousands of $.

The owner says she done nothing wrong.  But she was In jail,  for a few years In the early 90's for stealing.  Something that was not hers.  People have the right to seek justice.

Who have been victimized,  from this fat a*s b***h.

Go www.budhibbs.com look under agencies.  Click on cobra there Is a whole webpage.  About this fat a*s b***h & her crooked low-life employees. 

Who are living a confrontable life.  Stealing money from the doctors,  & businesses.

The fat b***h claims,  she Is a victim.  She Is the ring leader victimizing people.

Cobra doesn't even pay there bills & then they demand money from people. So while they are being hateful towards people & accuse them of not pay there bills they don't pay there bills either.

They had to find a new place cause they welched on there rent, indencating from mathew who found people who where unhappy with there services.

Cobra is demanding money from people while they don't even pay there own bills, I am sure if my mother paid them the doctor wouldn't get there money.

Who knows they are probally still writing bad checks to people & not paying the businesses who hired to them collect there money. Cobra has alot of nerve to abuse people when they are not doing right either.

I guess they think they are allowed to write bad checks welch on rent, & be hateful & abusive towards people, & make them pay collection fees.

I guess cobra is having a hardtime paying for there bills & is in hardtimes just like the rest of us.

This will be my last posting on this subject. But I would like to say that I will agree that some collection agencies are bad. I would be the first to say that there are bad people out in the world, rather they are collecters or people who duck bills when they come. If this particular collector is not paying there bills then that is not your problem. It is the problem of the customer of the collection agency, which in this case is the Dr. I hope you mom gets better and the financial situation improves.

The bill is paid there is no need to continuing aruging. Cobra wanted her to pay the collection fees well tough they didn't get a dime. Well the bill is paid there is no need to continue arguing who should have been paid first.

My mother owed the doctor not cobra collection, also you need to read the comments business owners who said cobra did not give them there money when they trusted them to handle there collections.

The BBB also has it reported on there BBB record they failed to pay money owed to businesses they are collectiing from.

So cobra isn't only cheating consumer's & abusing they are also cheating from the very people who hired them to collect there money, when companies are in wrong doings like cobra they are hateful & abusive.

Why don't you have the Dr call the collection company. In all sense the Dr is the customer of the collection company. He or she is the one who hired the collection company to collect on the debt. You mom must have paid the Dr after the Dr put it though to collections.

Also Lambmit what if someone else caused u your injuries in a car accident & caused you to lose your job, you didn't create the medical bills.

The doctor also says you cannot go back to work, please Lambmit because you call someone a deadbeat know there situation before judging people.

That is what disability insurance is for. If someone else causes me injuries and I cannot collect a judgement from I have insurance for that. I have taken the responebility to make sure my bills are paid. The cost of disability long or short term is so cheap.

I never called a specific person a dead beat. You never read where i said so and so is a deadbeat. I made a generalization.

Also Lambmit what if someone else caused u your injuries in a car accident & caused you to lose your job, you didn't create the medical bills.

The doctor also says you cannot go back to work, please Lambmit because you call someone a deadbeat know there situation before judging people.

That is what disability insurance is for. If someone else causes me injuries and I cannot collect a judgement from I have insurance for that. I have taken the responebility to make sure my bills are paid. The cost of disability long or short term is so cheap.

I never called a specific person a dead beat. You never read where i said so and so is a deadbeat. I made a generalization.

John you don't scare me you might harass, intimate, terrorize other innocent victim's on this site but you are not going to do it to me. You don't scare me I know the truth & that is all that matters.

This situation is not about you so posing as if you really know is just nmore lies and rhetoric for attention. You are a deadbeat as proven in your other fraudulent reports. I notice you forgot to tell Lambit that you do not work for a living and expext handouts from others/government. Not surprising.

This bill was paid in 2006 but cobra didn't get any money, my mother paid directly to the doctors office. Cobra has made no attempt to contact sense 04/2006.

To Lambmit you do not know the whole situation, & I don't have to explain everything to you. Also you need to watch who you call a deadbeat on this site cause you can be held for libel for slander.


Also Lambmit what if someone else caused u your injuries in a car accident & caused you to lose your job, you didn't create the medical bills.

The doctor also says you cannot go back to work, please Lambmit because you call someone a deadbeat know there situation before judging people.

When they sue you, then you will care. But you will probably declare bankruptcy to duct the responsebility of paying the bill. I take it you do not care if the Dr. gets paid. I am sure what ever you do for a living you would be quite mad if your employer didn't pay you.

Please do not reply to my report. All john does does is accuse people but I don't have to put up with it people do not know me or my situation, all people like john do is accuse me of lying.

John decided to join the others in bashing me & attacking me this is how they get there kicks. John does this to everybody on rip-off report.

Collectors are suppose to treat you fairly not the way cobra acted because if anyone talks to me like this I am not paying nothing even if it gets put on my credit report.

Nobody talks to me hateful & abusive to try to make me pay anything.

Who would drive themselves crazy working 4 jobs to pay medical bills for life?
an hornorable person. You have adopted that this situation is everybody's fault excetp yours. You have to take responsability for your bills and your actions. If I was in your mom's situation I would sell what I have to in order to pay these people off. I would do anything legal to pay my bills. You are right, I am financially stable in that I do not have much debt, but that is because I have worked my butt off to pay everthing off, I do not beleive in debt, if I do not have the money to pay for it I do not get it. I also have disability insurance and health insurance. I do this while makeing a lower middle income salary. I don't have a new car, nor a house that I cannot afford, but what I have is paid for. I hate it when I see deadbeats steal services by not paying for them. If you are soo concerned with your mom's treatment by collectors then why don't you pay the bill.

You desperately need the attention that you have to make up lie after lie after lie. I know this won't get posted as you are the protected phenix city phaggot and are tired of men spurning your homosexual advances but too bad. You said you were going to leacve. Yet another lie. Get a job and pay your bills. Medical bills have nothing to do with welching on rent or cell pohione bills that YOU welched on. FACT

You desperately need the attention that you have to make up lie after lie after lie. I know this won't get posted as you are the protected phenix city phaggot and are tired of men spurning your homosexual advances but too bad. You said you were going to leacve. Yet another lie. Get a job and pay your bills. Medical bills have nothing to do with welching on rent or cell pohione bills that YOU welched on. FACT

You desperately need the attention that you have to make up lie after lie after lie. I know this won't get posted as you are the protected phenix city phaggot and are tired of men spurning your homosexual advances but too bad. You said you were going to leacve. Yet another lie. Get a job and pay your bills. Medical bills have nothing to do with welching on rent or cell pohione bills that YOU welched on. FACT

You desperately need the attention that you have to make up lie after lie after lie. I know this won't get posted as you are the protected phenix city phaggot and are tired of men spurning your homosexual advances but too bad. You said you were going to leacve. Yet another lie. Get a job and pay your bills. Medical bills have nothing to do with welching on rent or cell pohione bills that YOU welched on. FACT

People just don't get it, you must not be in this type situation. You do not know the whole situation, who would drive themselves crazy working 4 jobs to pay medical bills for life.

If you don't have the money you don't some situations in life whic you have no control over can cause these things to happen, people don't like being in dept but it can't be helped.

With all the job discrinmantion these days living paycheck to paycheck then you can't pay your medical bills. So they have to remain unpaid it can't be helped.

Who are u to judge people Lambmit, what if you get hurt on the job & can't go back to work I don't care what you say you do not know the whole situation.

I am so tired of people like you who accuse people thinking you have no financial troubles, the medical bills go unpaid so what.

You don't know when people might lose there job down the road or get injuried, & people have to put with people like you saying there stealing services.

You don't know the whole situation Lambmit, also Lambmit collectors are suppose to treat you fairly not the way how cobra acted. If you don't have the money to pay you don't!.

To many people like you Lambmit accuse people to much. I don't care anymore, if medical bills go unpaid they will go unpaid. Sometimes if you didn't create the medical bills the insurance company does not want to pay for them.

If someone else caused your injury.

If you owe money, you need to get a second or third job, sell some stuff, do what ever it takes to take care of your bills. The doctor provided a service to your mom, the doctor deserves to get paid. I guess you think you are owed everything. for free. I you probably don't care that the doctor has bills he or she has to pay. If you cannot pay then don't use the service.

I do not care what you believe or anyone else, you do not know the current situation. If we don't have the money to pay we don't! not all of us are deadbeats.

We are currently in hardships is the reason why this bill is behind, you cannot make people pay if they don't have any money. Who are u to say people are stealing cause they are unable to pay due to hardships.

Also I don't have to explain every single detail in this report I am so sick of people accusing people they do not even know.

People complain about how debt collectors are mean and abusive. The only reason why they say that is because they owe money and they do not want to pay. There is no differese between someone who does not pay their bills and a theif. They have utilized the services and now they do not pay the bill. I guess the OP's mom doesn't think the Doctor who treated her deserves to be paid. If she was an honorable person she would get however many jobs it would take to pay her bills.

People complain about how debt collectors are mean and abusive. The only reason why they say that is because they owe money and they do not want to pay. There is no differese between someone who does not pay their bills and a theif. They have utilized the services and now they do not pay the bill. I guess the OP's mom doesn't think the Doctor who treated her deserves to be paid. If she was an honorable person she would get however many jobs it would take to pay her bills.

People complain about how debt collectors are mean and abusive. The only reason why they say that is because they owe money and they do not want to pay. There is no differese between someone who does not pay their bills and a theif. They have utilized the services and now they do not pay the bill. I guess the OP's mom doesn't think the Doctor who treated her deserves to be paid. If she was an honorable person she would get however many jobs it would take to pay her bills.

I used to work a second job at a video store where we had a lot of money in unpaid fees. I remember my manager switching collection agencies because customers would come in and say that they paid their fees but cobra never paid us. He decided to shut the store down because the video business isn't profitable anymore and I'm not sure if he every got his money from cobra.

Cobra lied in there response to the attorney general complaint. They deny any harassment or being rude or hateful. Cobra think's they are clever treating people like crap & when you go to complain about them they lie about everything.


There response to my complaint only prove's that. Then cobra accuses people of talking & screeming @ them to get the blame of themselves.

Things need to change how collection agencies treat people but I am afraid nothing will change & they will continue to treat people like this.

They will continue to get away with abusing people & ruining good peoples credit. All people can do is post there complaints on this website to warn others about there experince that is all we can do.

Things need to change how collection agencies treat people but I am afraid nothing will change & they will continue to treat people like this.

They will continue to get away with abusing people & ruining good peoples credit. All people can do is post there complaints on this website to warn others about there experince that is all we can do.

Things need to change how collection agencies treat people but I am afraid nothing will change & they will continue to treat people like this.

They will continue to get away with abusing people & ruining good peoples credit. All people can do is post there complaints on this website to warn others about there experince that is all we can do.

Things need to change how collection agencies treat people but I am afraid nothing will change & they will continue to treat people like this.

They will continue to get away with abusing people & ruining good peoples credit. All people can do is post there complaints on this website to warn others about there experince that is all we can do.

I, just would like to update my report & say this is the same attuide the cobra collection had the day when my mother spoke with them on the phone, of course nothing is there fault we are always wrong & they are always right. Cobra, just embarassed themselves & proved my point how they spoke to my mother that day! I have not lied about them, my mother was not screaming or yelling @ them they where the ones doing the same thing. These, collection agencies are nothing but thugs & there response proves that!.

The, better business bureau has updated cobra's report the company has discovered evidence of embezzlement, cobra was embezzling money from the people they had contracts with businesses who hired them to collect money from people & not giving it to their clients. The, BBB has this reported on there record just go to the columbus BBB to read for yourself. It, seems with the help of people complaining brought out the embezzlement activies from cobra collection, if u are contacted from cobra collection do not send them any money just file complaints with the BBB & the attorney general office more complaints, will be more evidence agaisnt this company.

In as much as I would like to think that ripoffreport.com played a significant part in this businesses decline - they did it all themselves. I am sure if we ran a court house check there would be too many lawsuits against them to list.

I am happy to hear you found a reputable collection ageny (did I really say THAT?) to perform your collections. Hopefully, your new group will not see the need the verbally abuse people in their situation. You appear too talented to have hitched your wagon to this agency.

I did go on the cobraagency site ... interesting -

I was recently informed that Cobra Collection Agency of Columbus, GA has moved. The new address is: 3500 University Ave #9,
Columbus, GA. Their main phone line and their fax line has been disconnected. No forwarding number was given. It so happens that the new building they moved into is only a block or so away. So, if they want to keep the same phone number, it would be possible.

There are 3 possible reasons for this disconnect.
1. The phone company disconnected the service for non-payment.
2. Janice/Cobra has decided to disconnect and not leave a forwarding number.
3. They are in transition and have not fully transferred service. However, this is not likely as I have moved 3 times within Columbus and never had any downtime and never had to change phone numbers.

I have discovered more unhappy people. I was informed by their previous landlord (of the office suite they were in) that Janice Ledden and Cobra Collection Agency has written several bad checks and stiffed them for 3 months of rent. Needless to say, they are quite unhappy.

As an ex-client, they bounced a check on me for over $200. I have since forwarded that check to my attorney and their law firm to collect from Cobra Collection Agency!

Can you imagine that? A collection agency writing and bouncing bad checks? Not only that I am now having a law firm collecting from a collection agency? I could never have imagined.

Normally, I think collections agencies provide a good service. But Janice Ledden and Cobra Collection Agency simply strayed off and it is all bad news.

I consider myself fortunate I got out relatively unscathed. Others, I suspect are getting stiffed in a bad way.

Matthew - Columbus, Georgia

Sorry to take so long to respond to your posting and thank you for presenting your side ....

P of Dallas, TX appears to mean well in providing assistance but initially drew the wrong conclusions. The good news is as I read P's subsequent posts, P has gradually taken the bull's eye target of me as he/she continued to investigate the situation further to its true source.
>> I did not draw conclusions - I simply followed the paper trail which is how your name came up. The rude and unprofessional comments made by the employee is what began my research. Since the internet is a "wild, wacky world" all we can do is follow what is written. Please don't take it personally (unless you were the author of the outrageous posting that started this whole thing!)

Yes, Columbus GA is a relatively small city. Yes, I HAD ties to Cobra Collection Agency. I explained I was an ex-client doing a favor. I will admit to P of Dallas, TX that I can be narcissistic and egocentric at times. You have to be if you self-promote as part of the business. :-) That doesn't bother me. What does bother me is being accused of being tied to Cobra Collections Agency.
>> "guilt by association they say..." As I remember, you are a "sales fellow" which entitles you to be narcissistic and egocentric to a certain point : ) From my perspective, be it right or wrong, because you put your name association on the web site, there was a business relationship, while you may not have been collecting per se, there was a business relationship there which is why you unfortunately made the ripoffreport ....

I actually don't mind some of my business contact information being posted but I can sure do without the negative slants and negative associations.
>> As you discovered, this is why in today's society and business ethics, morals and values are so mission critical. I just put a posting up regarding another collection agency in California. I researched and found the company runs several different names (all negative) and the local BBB of the agency EVEN SLAMMED them and gave them an F rating (and the F did not stand for FINE .....) The collection industry is a necessary evil as I previously posted, but there is no need for personally attacking people who find themselves in that situation. Agreed, there are a share of dead beats, but when I read on these posts collectors attacking people, it tells me a lot about the unprofessional, untrained and irresponsible people the agencies hire and why the turnover rate is so high.

I have many business interests but I can assure you Collections has never been or ever will be a business interest of mine. My interests lie with Property Management, Real Estate, Entrepreneurship, and Publishing.
>> Good to know!!!

I am certainly do not run a perfect business but we do our best to run a credible operation no matter what business we engage in.
>> If anyone says they run a "perfect business" people need to run away from them because they are either delusional or lying or both ....

I would appreciate it if my name and associated information was removed as it relates to Cobra Collections Agency.
>> It appears it already has been!!!

-------------------
Raymond -
I am a professional debt collector in Pennsylvania. This is a crazy industry. There are many laws that change monthly from state to state regarding what you can and cannot say and when etc.
>> The reason the laws keep changing is due to unethical, illegal, unprofessional collectors. I am sure the government has better things to do than inact laws to provide the citizens.

The bottom line is that our clients need their money back and most collectors are willing to do/say whatever is necesary or whatever they can get away with without being sued.
>> And this is why we have new laws - because your industry will do whatever they deem necessary to get money.

Nobody wants to pay, everyone is the exception and no one is the rule.
>> That is an inaccurate statement. You need to peruse many of the threads regarding the abuses people are subjected to. And if people all paid on time then you wouldn't have a job. correct?

Collectors put billions of dollars back into the economy at great risk to their own agencies due to plethora of bizzare state and federal regulations.
>> Really, Can you provide websites not run by the collection industry to substiate that statement. There wouldn't be risks associated with the collection industry if the people hired did not lie and abuse the people.

The clients would do it themselves but they are more interested in plausible deniability.
>> I disagree

P.S. Pay your bill.
>> Sounds like you need to run for a governmental office since everything is so simple. You might hold the winning philosophy to stop all the wars and end global warming : )

Ramon,

You really need to let up on whatever koolaid you are consuming. However, this is the typical drivel to be expected from a bottomfeeder.

The ONLY legitimate collections are 1st party collections. Period.

NOBODY has to deal with a third party collector. Most of these debts are so old they are past legal SOL or have no documentation, etc.

And, most of these debts that get collected NEVER pay back the original creditor but only line the pockets of JUNK DEBT BUYERS who are entitled to NOTHING.

Cobra Collections is a small time bunch of thugs and parasites. True bottomfeeders.

Get a life, and a REAL job!

People, fall in hardtimes in life & they cant pay their bills & then we are subject to abuse from collectors & harassment!, also these collection agencies should not treat people unfairly!. Then, these abusive collectiors accuse people of screaming & being verbally abusive towards them, & when u try to talk to the manager the collector has already told the manager their side of the story not giving the consumer the chance to tell their side!. So, the manager already belives u where the one being verbally abusive to the collector & does not help u resolve the problem, like the problem with cobra. If, u want to collect the money for the creditor quit treating us like we are nothing & quit calling us deatbeats! & being verbally abusive towards us!.

I am a professional debt collector in Pennsylvania. This is a crazy industry. There are many laws that change monthly from state to state regarding what you can and cannot say and when etc.

The bottom line is that our clients need their money back and most collectors are willing to do/say whatever is necesary or whatever they can get away with without being sued. Nobody wants to pay, everyone is the exception and no one is the rule. Collectors put billions of dollars back into the economy at great risk to their own agencies due to plethora of bizzare state and federal regulations.

The clients would do it themselves but they are more interested in plausible deniability.

-Ramon
P.S. Pay your bill.

Mabye, the cobra collectors should treat people a little bit better then besides verbally abusing people!, cobra has violated all laws under the fair dept credit reporting act abusing consumers while trying to collect a dept!. I, took a stand to come public about the actions from the cobra collectors & their rebuttle confirms it!, I have not lied in this report all though these businesses like to accuse people of filing false reports or accuse people of lying about them.

In casually researching my name, I have discovered that my name has been wrongfully tarnished.

First off, I need to set the record straight. I never imagined that I would be tied to Cobra Collections Agency of Columbus in this manner. I find it very distasteful because some of the information is highly inaccurate and the wrong conclusions of me have been drawn. I have no ownership interest or any current business relationship with Cobra Collections Agency. But I was one of their clients that struck up a friendship with Janice Ledden, the president and owner.

It appears my name is tied to Cobra Collections Agency by virtue of my registering a domain name on the behalf of Janice Ledden for her company. I did so as a personal favor during a time when relations were a bit more friendly. They used to do collections for my company. They no longer do so. I issued a Cease and Desist order in December 2006.

I have also taken down their website and in the process of relinquishing "cobraagency.com". I have no use for it and wish to dissolve all residual ties to Janice Ledden and Cobra Collection Agency. Because of the shock of reading my name being mistakenly referred to as the owner of Cobra Collection Agency, I will no longer register domains for other people whom I am not absolutely sure are ?good people?.

P of Dallas, TX appears to mean well in providing assistance but initially drew the wrong conclusions. The good news is as I read P's subsequent posts, P has gradually taken the bull's eye target of me as he/she continued to investigate the situation further to its true source.

Yes, Columbus GA is a relatively small city. Yes, I HAD ties to Cobra Collection Agency. I explained I was an ex-client doing a favor. I will admit to P of Dallas, TX that I can be narcissistic and egocentric at times. You have to be if you self-promote as part of the business. :-) That doesn't bother me. What does bother me is being accused of being tied to Cobra Collections Agency.

I actually don't mind some of my business contact information being posted but I can sure do without the negative slants and negative associations.

I have many business interests but I can assure you Collections has never been or ever will be a business interest of mine. My interests lie with Property Management, Real Estate, Entrepreneurship, and Publishing.

I am certainly do not run a perfect business but we do our best to run a credible operation no matter what business we engage in.

I would appreciate it if my name and associated information was removed as it relates to Cobra Collections Agency. Thank you.

Cobra, does not care If people end up In financial problems they are still going to harass you! that Is how disrespectful they where when my mother contacted them & tried to explain the situation but they did not want to here It, so my mother went ahead anyways & made payment aggrangements with the doctor!, after how rudely & unprofessional the cobra manager was & rudely hung the phone up!. They, do not care If people have financial problems! If you don't have the money to pay you don't end of story!.

When I read the derogatory remarks by one of the employees of COBRA, it really made my blood boil which is why I decided to do a little investigating on the company.

Hopefully, with posting the information on the web, others will see how disrespectful and unprofessional they are.

Good people end up in financial problems at times .....

When I read the derogatory remarks by one of the employees of COBRA, it really made my blood boil which is why I decided to do a little investigating on the company.

Hopefully, with posting the information on the web, others will see how disrespectful and unprofessional they are.

Good people end up in financial problems at times .....

When I read the derogatory remarks by one of the employees of COBRA, it really made my blood boil which is why I decided to do a little investigating on the company.

Hopefully, with posting the information on the web, others will see how disrespectful and unprofessional they are.

Good people end up in financial problems at times .....

I, feel somebody told cobra about my report from this website cause this report was written last 04/2006 & cobra did not respond to this report for 10 months after the report was written, I am not scared of their threats because I have not lied or made false statements or I did not write a false report. I, hope cobra knows buy now If they lie about someone they can be sued my mother will keep a print out of their response to show their lies!, I am not worried let them sue they will not get nowhere with their false lawsuit slander Is a crime!. I, was present when my mother contacted cobra & my mother did not scream or be verbal abusive to them they where the ones talking over my, mother & the collector was the one being verbal abusive. When, a collection agencie abusies someone It will make the problem only worse & will not make anyone pay any faster!, these collection agencies need to learn this but they never will!. I, have not wrote any lies about cobra! nor have I wrote a false report I am just tired of their abuse! & lies & their Is nothing I can do!, accept make a complaint on this website. Cobra misinformed the attorney general they did not even answer the complaint to the better business bureau, saying my mother started the verbal confrontation that Is why the cobra manager was so rude to my mother & accused her of verbal abusing them & they rudely hung the phone up, this was one of the many lies they told to the attorney general. These, collection agencies think they can get away with this & they have been & they are laughing @ us well we will have the last laugh!. I, always come out ahead no matter how much people try to bring me down.

Janice Bledden who is a Principal
The Cusomter contact in Virginia Emfinger
Phone Number: 706-568-8800
Fax Number: 706-568-8803

Cobra Collections is NOT a member of the local BBB and they are listed as a Collection Agencies.

You need to go to the Columbus Georgia BBB web site columbus-ga.bbb.org FOR DETAILED INFORMATION ON APPLICABLE LAWS AND WHEN YOU CAN SUE THE COLLECTION AGENCY ...

For your review, further investigation of Matthew Chan indicates he uses two different middle initials. Matthew S. Chan and Matthew A. Chan. This is indicated by one of the public databases which both show Matthew S and Matthew A Chan residing at 5358 Woodruff Farm Rd. Columbus GA.

Mr. Chan was born in August 1966 and moved from the Atlanta area Marietta GA (where he had several addresses) to Columbus, GA possibly around 2002 or 2003. He had another address in Columbus, GA without a recorded date.

Experian business reports indicate that Cobra Collections also has the following addresses:

4 6th St
Columbus, GA 31901 (which also has several attorneys)

P. O. Box 2513
Moultrie, GA 31776

Let me state this rebuttal by saying, I don't know any of you blokes. Apparently there seems to be some internal conflict between who you believe the OP is. That is not an appropriate topic for this thread.

Charles, since Cobra apparently "misinformed" the attorney general regarding verbal confrontations, I would contact the attorney general AGAIN with a print out of the COBRA employee's public post. They should be most interested ...

Patrick - In answer to your question to the OP "As a sidebar, if Social Security reinstated your full benefits, how does your having a job with Swift affect that?"

Depending upon how you ended up on social security (age vs. disability) you have the right to work and earn up to approximately $12,000 without affecting your benefits (if you are retired and obtain your benefits that way). If you earn more than $12,000 then any overages come out of your social security check.

If you have SSDI and want to try to return to work, social security grants you a 9 month grace/trial period. During this time, the recipient resumes their previous job and gradually increases their hours to 40 and they are still considered on SSDI. If at any point during that 9 month time, it is determined the recipient CANNOT return to their job then, they have not lost their benefits and do not have to reapply.

By the way, to the AFNI employee, just to let you know ... SSDI CANNOT BE ATTACHED NOR ANYTHING PURCHASED WITH SSDI BENEFITS UNDER FEDERAL LAW ..... Also some social security benefits also cannot be attached ....

From my perspective, what conversations that took place between, the OP, the mother and AFNI are of lesser concern than the response from an AFNI employee.

As pointed out, if the mother HAD been making payments to the doctors office AND the collection agency wants money too, this appears to me to be "double dipping".

The doctor's office needs to notify the collection agency IN WRITING COPYING THE MOTHER and clearly state the mother has begun payments directly to them. We as readers of this post do not know if the account was assigned or purchased.

In reviewing Mr. Chan's current diverse business affairs, it would appear that he is simply assigned the account and not purchased it outright. this is why the OP/mother NEEDS TO BE ADVISED BY COBRA whether the account has been assigned or purchased by either the doctor's office or Cobra. The OP needs to have this clearly defined. If indeed the account was purchased by Cobra, and the doctor's office accepted payment after that fact, then there is a clear legal case against the doctor's office by the OP. I am sure Steve or J will address this thoroughly.

Statements made by the AFNI employee (which to me seem to be "threatening/intimidating" issued in writing on a public forum were disrespectful not only to the OP and the mother, but to the readers of this thread and MOST CERTAINLY TO THE COMPANY SHE WORKS FOR. Her actions only re-enforce the already negative attitudes the general public has for the industry.

I am not saying the collection industry is not needed. Indeed this industry does have it's place just as waste management (garbage collectors), prisons and used car salesmen do. But the collection agency's place is not to lie, threaten, intimidate, harass and alter documents. This is why the Federal goverment had to step in and police the industry - they could not police themselves .....

since we now now Mr. Chan owns all these businesses it might behoove the OP to send a copy of the offensive posting to the Columbus GA paper and BBB. I understand the BBB is worthless in all cities and states, but it will at least put the community on alert on how he conducts his business. Like I said, Columbus GA is small one horse town who does not need BAD PUBLICITY this gentleman is creating.

The thing I find most interesting is how he came to name his collection agency after ANOTHER WITH THE SAME NAME. Did Mr. Chan with all his apparent "business experience and knowledge" not realize this would cause confusion or conflict. Or perhaps that is exactly what he was hoping for.

People who have fallen on difficult times (especially the elder ones) do not need to be subjected to this type of treatment. Too bad neither the OP parent or Mr. Chan lives in Florida. Florida would become actively involved in this probably citing some type of elder abuse. Perhaps the OP has a similar law.....

First off, let me say that since this report was posted by the infamous Charles, I will take most of it with a grain of salt, however I'm sure there's some glimmer of truth to it.

Second, let me say that I am in no way affiliated with Cobra Agency, or any other collections bureau.

I will paraphrase Charles' OP, and make my points:

Charles - "Cobra collection as been harassing my mother for a bill which was transfered from her doctors office, my mother made payment aggrangements with her doctors office & they sent her threatening of filing a lawsuit."

OK, confused. If your mother made payment arrangements with the Doctor's office, then why did the office send the account to a collections agency?

Charles - "When my mother began explaing the problem with her work the collector became very abusive & talking over her & would not let her speak i was a withness to this!"

OK, so maybe that explains it. Your mother was out of work, and therefore unable to pay the doctor based on their arrangement. And her account was sent to collections.

Charles - "my mother then asked for a mananger which he was very verbal abusive towards her & he accused my mother of being verbal abusive & if she didn't stop being verbal abusive that he would terminante the call & he hung up on her very unprofessionally my mother did not speak to them in a verbal abusive behavior this is just their lie for them to get out of trouble my mother was out of work so she could not pay collection agencies do not care about our problems but they cannot abuse us or threatnening us!, they were the ones being rude & hateful towards my mother trying to bully her into paying."

OK, that was one heck of a long sentence. Charles, you talk like you were party to the call. Were you listening in on the conversation, or just hearing your mother's side, and made your own conclusion about how Cobra was acting?

I have no idea as to how the actual conversation went. But it seems to me that your mother is still obligated to pay the debt. Unless she declares bankruptcy, I do not see any way out. Was the Cobra rep abusive to your mother? Quite possibly. Was your mother abusive back to them? I think it is also a possibility, based on the history you have posted here about you and your mother.

Oh well, all I can say at this point is that I will be waiting with baited breath to see how your job at Swift goes. Somehow, I get the feeling you will be making a report here eventually about how they mistreated you or something, who knows?

As a sidebar, if Social Security reinstated your full benefits, how does your having a job with Swift affect that?

This was sent last night but apparently didn't make it so here it is again ...

Well well well .... Since the employee/submitter of that fine post was out of Georgia, I decided to do a little checking.

There is a Cobra Collections Agency out of Michigan, but THERE IS ALSO A COBRA COLLECTION AGENCY OUT OF COLUMBUS. After reading Mr. Chan's OTHER WEB SITE it is quite possible that Mr. Chan is our mystery employee/submitter.

Get some coffee, this will be a FUN READ AND YOU ARE NOT GOING TO BELIEVE THIS - I told you guys Columbus is a small town - WE CAN HAVE FUN WITH THIS ......

Overview: Mr Chan has three businesses that I could find easily. He may have more but this is a start. they are Ascendbeyond, INTREPID NETWORK CONCEPTS, and cobra Collections. He SELF publishes his own books on investing and has another website matthewchan.com

First - Their domain name is cobraagency.com however they do not have it up and running. Further, the registrant apparently doesn't even have the e-mail portion of the site active because he has his email listed as matt30060 (AT SIGN) yahoo.com. another email he lists on his matthew chan web site is matt at ascendbeyond dot com. Ascendbeyond.com is YET ANOTHER COMPANY HE OWNS AS HIS PUBLISHING BUSINESS ...

The registry name information is as follows:
INTREPID NETWORK CONCEPTS, INC,
Owner/registrant is MATTHEW CHAN.
His telephone number is 706 565 5090.
Address is 5435 Woodruff Farm Rd. #B-300 PMB 158
Columbus GA 31907

Another address for this company is
3228 Univerisity Ave #109
Columbus GA 31907 706 568 8800


Having an inquiring mind, I decided to see what Mr Chan is all about ....

he has a website matthewchan.com and is quite the little SELF publisher with MANY MANY BOOKS on turnkey operations and investing .... His contact information is 5435 Woodruff Farm Rd PMB 158
Columbus, GA 31907
Phone: 706.565.5090
FAX: 678.559.0411

His savorite charities are American Red Cross - and The Smile Train

His favorite music is (too many to list) and who cares? His favorite TV Shows are too many to list and again who cares?

I mention the above as a form of narcissism and egocentric behavior........

This was sent last night but apparently didn't make it so here it is again ...

Well well well .... Since the employee/submitter of that fine post was out of Georgia, I decided to do a little checking.

There is a Cobra Collections Agency out of Michigan, but THERE IS ALSO A COBRA COLLECTION AGENCY OUT OF COLUMBUS. After reading Mr. Chan's OTHER WEB SITE it is quite possible that Mr. Chan is our mystery employee/submitter.

Get some coffee, this will be a FUN READ AND YOU ARE NOT GOING TO BELIEVE THIS - I told you guys Columbus is a small town - WE CAN HAVE FUN WITH THIS ......

Overview: Mr Chan has three businesses that I could find easily. He may have more but this is a start. they are Ascendbeyond, INTREPID NETWORK CONCEPTS, and cobra Collections. He SELF publishes his own books on investing and has another website matthewchan.com

First - Their domain name is cobraagency.com however they do not have it up and running. Further, the registrant apparently doesn't even have the e-mail portion of the site active because he has his email listed as matt30060 (AT SIGN) yahoo.com. another email he lists on his matthew chan web site is matt at ascendbeyond dot com. Ascendbeyond.com is YET ANOTHER COMPANY HE OWNS AS HIS PUBLISHING BUSINESS ...

The registry name information is as follows:
INTREPID NETWORK CONCEPTS, INC,
Owner/registrant is MATTHEW CHAN.
His telephone number is 706 565 5090.
Address is 5435 Woodruff Farm Rd. #B-300 PMB 158
Columbus GA 31907

Another address for this company is
3228 Univerisity Ave #109
Columbus GA 31907 706 568 8800


Having an inquiring mind, I decided to see what Mr Chan is all about ....

he has a website matthewchan.com and is quite the little SELF publisher with MANY MANY BOOKS on turnkey operations and investing .... His contact information is 5435 Woodruff Farm Rd PMB 158
Columbus, GA 31907
Phone: 706.565.5090
FAX: 678.559.0411

His savorite charities are American Red Cross - and The Smile Train

His favorite music is (too many to list) and who cares? His favorite TV Shows are too many to list and again who cares?

I mention the above as a form of narcissism and egocentric behavior........

This was sent last night but apparently didn't make it so here it is again ...

Well well well .... Since the employee/submitter of that fine post was out of Georgia, I decided to do a little checking.

There is a Cobra Collections Agency out of Michigan, but THERE IS ALSO A COBRA COLLECTION AGENCY OUT OF COLUMBUS. After reading Mr. Chan's OTHER WEB SITE it is quite possible that Mr. Chan is our mystery employee/submitter.

Get some coffee, this will be a FUN READ AND YOU ARE NOT GOING TO BELIEVE THIS - I told you guys Columbus is a small town - WE CAN HAVE FUN WITH THIS ......

Overview: Mr Chan has three businesses that I could find easily. He may have more but this is a start. they are Ascendbeyond, INTREPID NETWORK CONCEPTS, and cobra Collections. He SELF publishes his own books on investing and has another website matthewchan.com

First - Their domain name is cobraagency.com however they do not have it up and running. Further, the registrant apparently doesn't even have the e-mail portion of the site active because he has his email listed as matt30060 (AT SIGN) yahoo.com. another email he lists on his matthew chan web site is matt at ascendbeyond dot com. Ascendbeyond.com is YET ANOTHER COMPANY HE OWNS AS HIS PUBLISHING BUSINESS ...

The registry name information is as follows:
INTREPID NETWORK CONCEPTS, INC,
Owner/registrant is MATTHEW CHAN.
His telephone number is 706 565 5090.
Address is 5435 Woodruff Farm Rd. #B-300 PMB 158
Columbus GA 31907

Another address for this company is
3228 Univerisity Ave #109
Columbus GA 31907 706 568 8800


Having an inquiring mind, I decided to see what Mr Chan is all about ....

he has a website matthewchan.com and is quite the little SELF publisher with MANY MANY BOOKS on turnkey operations and investing .... His contact information is 5435 Woodruff Farm Rd PMB 158
Columbus, GA 31907
Phone: 706.565.5090
FAX: 678.559.0411

His savorite charities are American Red Cross - and The Smile Train

His favorite music is (too many to list) and who cares? His favorite TV Shows are too many to list and again who cares?

I mention the above as a form of narcissism and egocentric behavior........

This was sent last night but apparently didn't make it so here it is again ...

Well well well .... Since the employee/submitter of that fine post was out of Georgia, I decided to do a little checking.

There is a Cobra Collections Agency out of Michigan, but THERE IS ALSO A COBRA COLLECTION AGENCY OUT OF COLUMBUS. After reading Mr. Chan's OTHER WEB SITE it is quite possible that Mr. Chan is our mystery employee/submitter.

Get some coffee, this will be a FUN READ AND YOU ARE NOT GOING TO BELIEVE THIS - I told you guys Columbus is a small town - WE CAN HAVE FUN WITH THIS ......

Overview: Mr Chan has three businesses that I could find easily. He may have more but this is a start. they are Ascendbeyond, INTREPID NETWORK CONCEPTS, and cobra Collections. He SELF publishes his own books on investing and has another website matthewchan.com

First - Their domain name is cobraagency.com however they do not have it up and running. Further, the registrant apparently doesn't even have the e-mail portion of the site active because he has his email listed as matt30060 (AT SIGN) yahoo.com. another email he lists on his matthew chan web site is matt at ascendbeyond dot com. Ascendbeyond.com is YET ANOTHER COMPANY HE OWNS AS HIS PUBLISHING BUSINESS ...

The registry name information is as follows:
INTREPID NETWORK CONCEPTS, INC,
Owner/registrant is MATTHEW CHAN.
His telephone number is 706 565 5090.
Address is 5435 Woodruff Farm Rd. #B-300 PMB 158
Columbus GA 31907

Another address for this company is
3228 Univerisity Ave #109
Columbus GA 31907 706 568 8800


Having an inquiring mind, I decided to see what Mr Chan is all about ....

he has a website matthewchan.com and is quite the little SELF publisher with MANY MANY BOOKS on turnkey operations and investing .... His contact information is 5435 Woodruff Farm Rd PMB 158
Columbus, GA 31907
Phone: 706.565.5090
FAX: 678.559.0411

His savorite charities are American Red Cross - and The Smile Train

His favorite music is (too many to list) and who cares? His favorite TV Shows are too many to list and again who cares?

I mention the above as a form of narcissism and egocentric behavior........

"Brook" or "Janice",

You want to appear intelligent here, but you prove how illiterate you really are. If you are actually the owner of the company in question, you should at least LEARN how to spell and use proper grammar and capitalization.

Several times you used the word "payed". The word you are looking for is "paid".

And, I cannot even find an actual business listing for your "business". I found the above information on another website on collections.

If you are actually in business, and operating a legitimate business as you claim, you would have no problem putting your full name, address, and business phone# here.

And, WHY are you reading rip off report? Guilty conscience, maybe?

And mail it to the doctor's office with a cordial note. Obviously your mother had some medical issues and DOES NOT NEED TO BE VERBALLY ABUSED AND THREATENED DURING THIS TIME. Such threats (I am sure ANY ATTORNEY WILL ADVISE YOU - OR MAYBE LOCAL LEGAL AID - HINT HINT - REGARDINGS THREATS OF INTIMIATION) may negatively impact her recovery.

Further, the doctor should know they hire UNPROFESSIONAL, UNETHICAL PEOPLE TO PERFORM THEIR COLLECTIONS WORK.

I would mail a copy of Brooke/Janice whoever their new alias is post and perhaps the doctor's name(or have it printed in the local Columbus Paper too and better business bureau.) Columbus is a very small SOUTHERN TOWN and most certainly this individual has had run in's with various people there. The locals can probably identify this person from her note. Since you have the name of the company she works for and two alias' of the individual you need to bring to the public's attention they have someone with an obvious anger management problem with an overriding narcissist and egocentric views (limited in outlook or concern to one's own activities or needs.)

Now, find the president of the company's name and address. In a SEE through 8X11 envelope, put this individual's post where everyone can read it who handles this envelope and write on in the margin something to the effect of you hope other employees are better trained in customer relations and you recommend this individual goes for a refresher course. That you hope she isn't using company resources (her time, computer time, etc. to further tarnish her company's reputation.)

Also Go ahead and send a company of her post to the ATTORNEY GENERAL. They should be aware of her actions.

She just proved everything in writing that these boards are about - abuse of consumers. Everyone who was subjected to her post (and your mother and you) deserves an apology. However, we are cognizant one will not be forthcoming. I am sure in her eyes she has done nothing wrong. Outbursts such as this are counter productive as all rationale people know.

Her controlling statements ("I can do anything I want to you without recourse") obviously indicates an individual with low self esteem and someone who feels they cannot control their life so they lash out on those they feel the can. ("Puppy kicker").

But on the bright side, the company apparently hires those individuals who are otherwise unemployable and you don't have to work next to her ....

Janice, or Brook or whomever you are today,

The OP obviously had a valid complaint, even being from Charles.

So STOP!!

We have all heard enough from bottomfeeders like you trying to legitimatize the unethical and illegal behavior you/they engage in on a daily basis.

You are a third party debt collector, therefore you are bound by the FDCPA as a bare minimum. Therefore, ANY abusive behavior or threats of any kind are clearly illegal.

You have no power to do anything at all. You should learn that.

Here is the only info available on Cobra Collections:

Cobra Collections
3032 Eugene St
Burton, MI 48519
(810) 244-6495

If the bill had of been payed at the doctor's office before it came to Cobra you would not have to be writting these lies about Cobra. We are third party company, we are not a finance company, nor are we going to serve you milk and cookies. Why nshould one of my collectors set and listen to anyone scream or be verbal with them.

All she had to do was pay the bill and we would go away. it is our right to file a suit and place it on her credit. she received the services and the bill needs to be payed.We still get the money even if you pay the doctor's office. We are the only one who can take it off her credit. No the amount due this doctor is not negotiable. alot of you that have answered this must not know the law or what we are allowed to do. I can sue her job or no job and if i get a judgement come in and levy on the inside of her house or put a lean or garnishment on her checking account. I have been in this business 27 years and I know what I can do. Her compliants did not get anywhere with the attorney general or bbb. So I guess she received the services and she does not want to pay for it.

Why do you think interest rates are so high and doctors going out of business or not seeing people because of all the people that owe them.

Brooke