Ramada Plaza Resorts, Imperial Majesty Cruise LinesBill Collector Secrets REVEALED!! Ramada Plaza Resorts, Imperial Majesty Cruise Lines They blatantly violated telecommunication laws and then the second guy who told me he was the "Processing director" hung up on me Orlando Florida

I won a "free" cruise to the Bahamas and then I was considering buying the vacation package to Ft lauderdale, orlando, mexico, and vegas. someone that is very important to me needs $1400 to go back to school and I thought I could sell the vegas and ft lauderdale vacations to help them. There are people in my church that have never been on a vacation and i was going to give them the mexico trip. and my little brother has always wanted to go to disney world and a cruise; my family has never been on vacation.

I was angry when they called me 3 times in the same 90 minutes when i was unable to call on time to give them my credit card information. I was angry when the "manager" really wasn't the manager.. i was angry when the "processing director" was followed up by the "real" processing director... these are all illegal actions and they NEED to be prosecuted... but now I am not angry... now I am hurt because I have to look a great kid in the face and tell him the trip he's been dreaming about is off. This boy always listens and does what he is told. He's 14 now and he is still just as helpful and sweet as when he was 8.

I go to church, I give more to them than I have to give and I rejoiced when I found out about the "blessing" that God had given me. I'm just hurt that this is nothing compared to what other people have gone through. People who scrounged up the money from anywhere and realized they got fooled. It's not just money.. it's dreams, hopes, happiness all wrapped up in a man's word.

I used to be a bill collector and I used to do the same b.s. tactics that Ramada Plaza Resorts uses--(even though they are not a collection agency, they are just as ruthless!) Then I moved to a different, better company because I was tired of wanting to tell someone the loopholes and not being allowed to, tired of getting a huge paycheck that cost me my peace of mind. I found out that it takes more skill to do things the right way.. more intelligence and more character, but the right way works too-it just doesn't pay enough. I decided to quit because of the hours and lack of pay, but now that I have become the person on the other end of the phone, I am going to let everyone here know what the jerk on the other end DOES NOT want you to know.

The information I am providing is public and is a part of the Fair Debt Collection Practices Act so I am in no way violated any confidentiality agreement.

*DISCLAIMER1* Please keep in mind that this information is based on the specific types of accounts I personally collected on- if your account is questionable and you are being threatened with legal action, request that 'threat' to be faxed or mailed to you and that is how you will know if it is an empty one.

The other information I give you about "TACTICS" they use is not trained by the company so it is also not part of the confidentiality agreement. Fellow employees spread these tactics by word of mouth and by their fat, illegally "earned" paychecks.

1. A bill collector CAN NOT call you more than once a day unless they have a RECORDING you knew they recorded and gave permission to record and call back. Some states do not allow more than one or two calls per week and only one call to the place of employment all month. Please check your specific state laws.. I am working on getting notes on the FDCPA to make it easier. Massachusetts... your state strikes fear into the hearts of collectors and you can thank your senators for that.

2. If you tell them not to call you at your job, EVEN IF THEY DON'T HAVE ANOTHER NUMBER TO REACH YOU, they canNOT call you at work EVER again for ANY reason!! In some states the Director of the Project can make one phone call but he must state this when he calls.

3. These are the cards I collected on: Retail cards that were financed by a major bank I cannot mention. the retail stores I collected on were very well known jewelry, appliance, electronics, apparel and tire stores with balances from $500-$5,000 and more. I then moved up to platinum credit cards straight from the bank in the $6,000-$50,000 and higher range

If your account has been charged off and is in 3rd party collections, you can send them a dollar a month and it will go towards your bill and all the junk they tell you about "asset investigation" and "hardship program" is a lie lie lie. Keep in mind.. if we are talking about, let's say, a $30,000 bill that you owe directly to a bank, the laws are different and you need to do what you can to pay it off because lack of concern will be the major reason why you will get referred to the attorney's attention.

*DISCLAIMER2* GET EVERYTHING IN WRITING. If your letter does not say that after such and such date you will be charged $x or xx action will be taken (and 'further' collection action just means more letters and calls) then nothing will happen.

(Also, please refer to *DISCLAIMER1* when it comes to repercussions of not paying your bill)

4. A collector is not allowed to hang up in your face, raise their voice at you, tell you to "get your priorities together," or "be more responsible," or any other personal statement attacking you. Unless you work for a bank or the united states army, navy, etc- a collector can absolutely NOT share your debt information with your employer.

5. If your debt is charged off in third party collections, they CAN give you a 40% settlement and they are more likely going to do it at the end of month (when they are under pressure to meet their quota) and especially after your account has been with them for at least 4 months. You credit will reflect that you settled instead of paying off and there is so many contradictory credit advice out there that I am not even going to attempt to explain how that works.

6. A charge off will always be a charge off so if you need to leave it on to gather money for a settlement together, a few months will not hurt. The cards I collected on(*please see #3, and *DISCLAIMER1 AND 2*) will never be taken to court and ****IF A COLLECTOR TELLS YOU YOU WILL BE TAKEN TO COURT OR "FURTHER ACTION WILL BE TAKEN, FURTHER LEGAL ACTION WILL BE TAKEN" then make them send it in writing. I promise you 99,999 times out of 100,000 you will never get a letter or a fax stating something like that. They are lying and trying to scare you. NEVER *ASSUME* anything. most of the loopholes collectors use are dependent upon your assumptions. I used to tell people "well, if you don't do -ab&c- then we WILL be taking further collection action and you may want to find legal assistance now if you don't have any." Do you know what further action is? it could be another phone call.. it could be changing the code on your account to make sure i never see it again.. And duh you should get a lawyer, I'm tricking you because of your lack of knowledge on the law! But you didn't know that and I made money off of your assumption. (By the way, I want to apologize for the way I did business and I am writing this to help the people I used to hurt)

7. VOICE MAILS: a collector can absolutely not say anything except his/her name and their number. the law clearly states that they cant even HINT that the collector has so much as talked to you before. They canNOT say their company name on the voice mail for any reason (the rules for leaving a message with someone are different so please don't mix them up), they cannot say that they will be forced to call you somewhere else, or that you "need" to call them or "have to" call them or even "should" call them... i repeat- NAME and NUMBER and nothing else. They cannot say 'call my office,' 'my firm' NOTHING! If they do say some blatantly revealing things then praise God Hallelujah and save the voice mail, send a fax detailing the message and detailing your intentions to make this legal and you can KISS YOUR DEBT GOODBYE because it will be cleared. If it's iffy, do it anyway and address all letters to Human Resources or Compliance.

8. Leaving Messages With People: A collector cannot ask someone (a neighbor, friend, family member NOT living at your house) to take a message but CAN take the offer from the other party to take a message. Also, they cannot say the company name unless asked. They can only verify the contact information they have and if they are calling your house, they can ask when is a more convenient time to reach you and they can ask to leave a message. IF and ONLY IF they do not have a contact number for you, they can call your neighbor one time only and can only VERIFY contact information. They can never speak with a neighbor more than once unless they believe the information they received had an error (Believe me, collectors will take advantage of that loophole).

i have tons more to cover and not enough time so let me know of any questions. please do not assume your debt is immune from being prosecuted but do test the collector an demand a fax of their threat.

Erika
Dallas, Texas
U.S.A.

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