Sam Streeter, PLLC - CACV OF COLORADO, LLC LAWYER PURCHASED MY CHARGED OFF DEBT, NOW IT IS $4,050.88, FROM CHASE MANHATTAN BANK HOUSTON, Houston Texas

I like Tim. At least you are trying to be constructive. You know what? I really can't offer any sound advise to get out of a debt. If a collection agency or a collection attorney office is in the guidelines of the FDCPA, there is no way out. I can't blame Collect America for buying what is called bad debt. 99.999% of bad debt is several years past due and have a new statute of limitation once it is sold. Why? Because the minute it is past the statute of limitation, very few people will pay the debt because there is no repercussions for not paying it. How ever, what most people don't know is that there is no statute of limitation for collections, the statute is for credit reporting only. A collection agency can call you for the rest of your life as long as the debt is unpaid. The statute of limitation people refer to is the Fair Credit Reporting Act which limitis reporting debt on a persons credit for 7 years and possibly 10 years or more with a court ordered judgement. But back to bad debt buyers... I have read every comment on this blog or what ever this is, and you can't knock a company for buy bad debt. They buy it at a discounted price to keep the original lender from going belly up. That's why collection agencies can settle for less than you owe. It is simple math. If joe blow borrows 200.00 from you and agrees to pay you back 300.00 but never pays you back, even after you call joe blow and make every effort to get you money back, the jane smith offers you 175.00 to take the debt on herself, you would settle to get something rather than nothing. Simple. There is no reason to bash the person that bought your debt and then tried to get you to pay for it. There is no way to beat a COLLECTION AGENCY, not if they follow the FDCPA. There are a few collection agencies that violate your rights. But 99.9999% of the time, it is a bill collector who has been bashed by "debtors" over the phone because, how dare a bill collector call me for money... I can't tell you how many times I've called consumers and have been cussed out, not to mention what they say about my mother... So if the agency follows all the guidelines of the FDCPA. THERE IS NOTHING YOU CAN DO.

Which brings up a few other things. If you actually get a bill collector who violates the FDCPA and you get an attorney who will represent you, you will get the collector fired and probably get money for comp and your debt will be gone as well. But, 9 chances out of 10, the consumer reads some BS on the internet and tries to trap a collection agency because they just don't want to adjust their lifestyle to pay off a debt, and the judge will see this. The number one rule in collection agencies is to document every conversation and every call made for records in the event some thinks they know it all debtor tries to pull a fast one to beat their debt, files a law suit. So The best advice is to figure out a way to pay your debt before it goes to a third party collection agency. In the event you are past that point, pawn your dvd player and dvs, get you cable turned off, eat generic foods, use reg unleaded gas, you get the point, scrape and pinch your pennies and pay what you can. Don't wait for bill collectors to call, send in what you can with the first letter you get from the collection agency. Send a note with your intentions and a promise to make the minimum payment you can make and if you know you are gonn late on your payment, beat the agency to the punch and call and say hey, my payment is gonna be late but will be there on this date or i will double my next months payment. Look, I know how hard it is but I lost my job and so did my wife at the same time, I came out of the hole because I wanted to. I didn;t look for excusses, I fought and clawed my way out. So please, don't bash bill collectors or the agency that bought your debt. They didn't do this to you. And take this as encouragement. You can pay your bills and no amout of excusses are going to resolve you debt. Excusses only waste your time as well as others time. Taking care of your sick mother, honerable as it is, is not going to make a bill collector go "oh, ok, your debt is foregiven". You wouldn't take that from the guy you loaned money to years after him mother got better or died.

And Stacy, my real name is not important. And for your information, I use my real name at work when I call debtors. I don't have anything to hide from. I don't use my name here because I work in the collection industrie and would rather be known as one of the best and most professional collectors in the state of Texas. So Stacy, what difference would it make to know my name? None.

I like Tim. At least you are trying to be constructive. You know what? I really can't offer any sound advise to get out of a debt. If a collection agency or a collection attorney office is in the guidelines of the FDCPA, there is no way out. I can't blame Collect America for buying what is called bad debt. 99.999% of bad debt is several years past due and have a new statute of limitation once it is sold. Why? Because the minute it is past the statute of limitation, very few people will pay the debt because there is no repercussions for not paying it. How ever, what most people don't know is that there is no statute of limitation for collections, the statute is for credit reporting only. A collection agency can call you for the rest of your life as long as the debt is unpaid. The statute of limitation people refer to is the Fair Credit Reporting Act which limitis reporting debt on a persons credit for 7 years and possibly 10 years or more with a court ordered judgement. But back to bad debt buyers... I have read every comment on this blog or what ever this is, and you can't knock a company for buy bad debt. They buy it at a discounted price to keep the original lender from going belly up. That's why collection agencies can settle for less than you owe. It is simple math. If joe blow borrows 200.00 from you and agrees to pay you back 300.00 but never pays you back, even after you call joe blow and make every effort to get you money back, the jane smith offers you 175.00 to take the debt on herself, you would settle to get something rather than nothing. Simple. There is no reason to bash the person that bought your debt and then tried to get you to pay for it. There is no way to beat a COLLECTION AGENCY, not if they follow the FDCPA. There are a few collection agencies that violate your rights. But 99.9999% of the time, it is a bill collector who has been bashed by "debtors" over the phone because, how dare a bill collector call me for money... I can't tell you how many times I've called consumers and have been cussed out, not to mention what they say about my mother... So if the agency follows all the guidelines of the FDCPA. THERE IS NOTHING YOU CAN DO.

Which brings up a few other things. If you actually get a bill collector who violates the FDCPA and you get an attorney who will represent you, you will get the collector fired and probably get money for comp and your debt will be gone as well. But, 9 chances out of 10, the consumer reads some BS on the internet and tries to trap a collection agency because they just don't want to adjust their lifestyle to pay off a debt, and the judge will see this. The number one rule in collection agencies is to document every conversation and every call made for records in the event some thinks they know it all debtor tries to pull a fast one to beat their debt, files a law suit. So The best advice is to figure out a way to pay your debt before it goes to a third party collection agency. In the event you are past that point, pawn your dvd player and dvs, get you cable turned off, eat generic foods, use reg unleaded gas, you get the point, scrape and pinch your pennies and pay what you can. Don't wait for bill collectors to call, send in what you can with the first letter you get from the collection agency. Send a note with your intentions and a promise to make the minimum payment you can make and if you know you are gonn late on your payment, beat the agency to the punch and call and say hey, my payment is gonna be late but will be there on this date or i will double my next months payment. Look, I know how hard it is but I lost my job and so did my wife at the same time, I came out of the hole because I wanted to. I didn;t look for excusses, I fought and clawed my way out. So please, don't bash bill collectors or the agency that bought your debt. They didn't do this to you. And take this as encouragement. You can pay your bills and no amout of excusses are going to resolve you debt. Excusses only waste your time as well as others time. Taking care of your sick mother, honerable as it is, is not going to make a bill collector go "oh, ok, your debt is foregiven". You wouldn't take that from the guy you loaned money to years after him mother got better or died.

And Stacy, my real name is not important. And for your information, I use my real name at work when I call debtors. I don't have anything to hide from. I don't use my name here because I work in the collection industrie and would rather be known as one of the best and most professional collectors in the state of Texas. So Stacy, what difference would it make to know my name? None.

It's painfully obvious that you are more interested in airing your job-related pet peeves than offering any worthwhile opinions or information.

Nonetheless, hidden within your ramblings is a sentiment that few of us would disagree with. If someone obtains goods or services, and has the ability to pay for them, then they should do so.

If they obtained such goods or services without the ability to pay for them, then they are undeserving of sympathy when the debt collectors come calling. However, I would exclude services such as medical care and other essentials from this statement.

I think we can all stomach the scenario where someone with the means to pay fails to do so and winds up in the collections process. The same goes for the busboy with a Capitol One card who goes out and buys an expensive stereo system and then defaults. And yes, when such a debtor seeks a way to weasel out of his obligations he is worthy of disdain.

However, and especially in the current economy, many debtors never intended to live beyond their means. They became victims of various circumstances and are in the "can't pay" category rather than the "won't pay" bunch.

Inasmuch as your comments include these people, and inasmuch as your industry continues to add insult to injury by casting moral judgment upon these people, morality is not on your side. And you should thus expect that most decent people see debt collectors, at best, as a necessary evil and, at worst, rotten sleazebags.

Thus far your comments are falling on deaf ears. You're coming off like a fast-food cashier desparate for someone to listen to his vitriolic diatribe about people who order their cheeseburgers sans pickles. Tone down the rhetoric and stop acting like you're some kind of moral crusader. You have valid points. Let's discuss them like the professionals you claim to be.

It's painfully obvious that you are more interested in airing your job-related pet peeves than offering any worthwhile opinions or information.

Nonetheless, hidden within your ramblings is a sentiment that few of us would disagree with. If someone obtains goods or services, and has the ability to pay for them, then they should do so.

If they obtained such goods or services without the ability to pay for them, then they are undeserving of sympathy when the debt collectors come calling. However, I would exclude services such as medical care and other essentials from this statement.

I think we can all stomach the scenario where someone with the means to pay fails to do so and winds up in the collections process. The same goes for the busboy with a Capitol One card who goes out and buys an expensive stereo system and then defaults. And yes, when such a debtor seeks a way to weasel out of his obligations he is worthy of disdain.

However, and especially in the current economy, many debtors never intended to live beyond their means. They became victims of various circumstances and are in the "can't pay" category rather than the "won't pay" bunch.

Inasmuch as your comments include these people, and inasmuch as your industry continues to add insult to injury by casting moral judgment upon these people, morality is not on your side. And you should thus expect that most decent people see debt collectors, at best, as a necessary evil and, at worst, rotten sleazebags.

Thus far your comments are falling on deaf ears. You're coming off like a fast-food cashier desparate for someone to listen to his vitriolic diatribe about people who order their cheeseburgers sans pickles. Tone down the rhetoric and stop acting like you're some kind of moral crusader. You have valid points. Let's discuss them like the professionals you claim to be.

It's painfully obvious that you are more interested in airing your job-related pet peeves than offering any worthwhile opinions or information.

Nonetheless, hidden within your ramblings is a sentiment that few of us would disagree with. If someone obtains goods or services, and has the ability to pay for them, then they should do so.

If they obtained such goods or services without the ability to pay for them, then they are undeserving of sympathy when the debt collectors come calling. However, I would exclude services such as medical care and other essentials from this statement.

I think we can all stomach the scenario where someone with the means to pay fails to do so and winds up in the collections process. The same goes for the busboy with a Capitol One card who goes out and buys an expensive stereo system and then defaults. And yes, when such a debtor seeks a way to weasel out of his obligations he is worthy of disdain.

However, and especially in the current economy, many debtors never intended to live beyond their means. They became victims of various circumstances and are in the "can't pay" category rather than the "won't pay" bunch.

Inasmuch as your comments include these people, and inasmuch as your industry continues to add insult to injury by casting moral judgment upon these people, morality is not on your side. And you should thus expect that most decent people see debt collectors, at best, as a necessary evil and, at worst, rotten sleazebags.

Thus far your comments are falling on deaf ears. You're coming off like a fast-food cashier desparate for someone to listen to his vitriolic diatribe about people who order their cheeseburgers sans pickles. Tone down the rhetoric and stop acting like you're some kind of moral crusader. You have valid points. Let's discuss them like the professionals you claim to be.

It's painfully obvious that you are more interested in airing your job-related pet peeves than offering any worthwhile opinions or information.

Nonetheless, hidden within your ramblings is a sentiment that few of us would disagree with. If someone obtains goods or services, and has the ability to pay for them, then they should do so.

If they obtained such goods or services without the ability to pay for them, then they are undeserving of sympathy when the debt collectors come calling. However, I would exclude services such as medical care and other essentials from this statement.

I think we can all stomach the scenario where someone with the means to pay fails to do so and winds up in the collections process. The same goes for the busboy with a Capitol One card who goes out and buys an expensive stereo system and then defaults. And yes, when such a debtor seeks a way to weasel out of his obligations he is worthy of disdain.

However, and especially in the current economy, many debtors never intended to live beyond their means. They became victims of various circumstances and are in the "can't pay" category rather than the "won't pay" bunch.

Inasmuch as your comments include these people, and inasmuch as your industry continues to add insult to injury by casting moral judgment upon these people, morality is not on your side. And you should thus expect that most decent people see debt collectors, at best, as a necessary evil and, at worst, rotten sleazebags.

Thus far your comments are falling on deaf ears. You're coming off like a fast-food cashier desparate for someone to listen to his vitriolic diatribe about people who order their cheeseburgers sans pickles. Tone down the rhetoric and stop acting like you're some kind of moral crusader. You have valid points. Let's discuss them like the professionals you claim to be.

The worthless bottom feeder debt collection agency I sued and won against is just like the bottom feeder collection agency YOU work for

Yep - after trying to read your ignorant rant YOU proved that any IDIOT can get a job - too bad you have no morals or ethics since you are trying to scam people into paying debts that are past the statute of limitations

Can't wait till you are on the end of a lawsuit LOSER
Stacey (I use my real name)

Get a real job? Get real, it is a real job. The money I earn is just as green as your money... You sued a company and won? Must have had an idiot collector on the phone. None the less, if you people spent as much time trying to actually pay your bills, as you do trying to get out of paying it, you actually might get somewhere. You say get a real job? You know criminals say the say thing about cops. Whats that say about you? Dead beat. You people are full of excuses. How about next time a bill collector calls, try a solution. If it wasnt for people like yall, there wouldn't be a need for collection agencies. So I guess if you pay your bill I would have to get a real job as you call it. But how much you want to bet that if I pulled your credit report, you got more than one past due bill in collections. I bet you charged up your credit cards and filed bankruptcy and now have even more credit cards in collections since you can only file bk ever 7 years. Dumb a*s people like you talk sh*t about collectors. (Because they caused you to borrow the money and not pay it back.) Its like blaiming a doctor for your aunt dying from cancer when she refused to take any treatment. I pay my bills as a nornal man. You don't deserve any other chances than I get. Pay your bills dead beats!!!!!!!!!! If you are the small percent that actually just can't pay, mail in 25.00 a month until you as a responsible red blooded American can get on your feet. Dont wait and take these stupid a*s peoples advice. Do the right thing. No excuses, just solutions.

Get a real job? Get real, it is a real job. The money I earn is just as green as your money... You sued a company and won? Must have had an idiot collector on the phone. None the less, if you people spent as much time trying to actually pay your bills, as you do trying to get out of paying it, you actually might get somewhere. You say get a real job? You know criminals say the say thing about cops. Whats that say about you? Dead beat. You people are full of excuses. How about next time a bill collector calls, try a solution. If it wasnt for people like yall, there wouldn't be a need for collection agencies. So I guess if you pay your bill I would have to get a real job as you call it. But how much you want to bet that if I pulled your credit report, you got more than one past due bill in collections. I bet you charged up your credit cards and filed bankruptcy and now have even more credit cards in collections since you can only file bk ever 7 years. Dumb a*s people like you talk sh*t about collectors. (Because they caused you to borrow the money and not pay it back.) Its like blaiming a doctor for your aunt dying from cancer when she refused to take any treatment. I pay my bills as a nornal man. You don't deserve any other chances than I get. Pay your bills dead beats!!!!!!!!!! If you are the small percent that actually just can't pay, mail in 25.00 a month until you as a responsible red blooded American can get on your feet. Dont wait and take these stupid a*s peoples advice. Do the right thing. No excuses, just solutions.

Get a real job? Get real, it is a real job. The money I earn is just as green as your money... You sued a company and won? Must have had an idiot collector on the phone. None the less, if you people spent as much time trying to actually pay your bills, as you do trying to get out of paying it, you actually might get somewhere. You say get a real job? You know criminals say the say thing about cops. Whats that say about you? Dead beat. You people are full of excuses. How about next time a bill collector calls, try a solution. If it wasnt for people like yall, there wouldn't be a need for collection agencies. So I guess if you pay your bill I would have to get a real job as you call it. But how much you want to bet that if I pulled your credit report, you got more than one past due bill in collections. I bet you charged up your credit cards and filed bankruptcy and now have even more credit cards in collections since you can only file bk ever 7 years. Dumb a*s people like you talk sh*t about collectors. (Because they caused you to borrow the money and not pay it back.) Its like blaiming a doctor for your aunt dying from cancer when she refused to take any treatment. I pay my bills as a nornal man. You don't deserve any other chances than I get. Pay your bills dead beats!!!!!!!!!! If you are the small percent that actually just can't pay, mail in 25.00 a month until you as a responsible red blooded American can get on your feet. Dont wait and take these stupid a*s peoples advice. Do the right thing. No excuses, just solutions.

Get a real job? Get real, it is a real job. The money I earn is just as green as your money... You sued a company and won? Must have had an idiot collector on the phone. None the less, if you people spent as much time trying to actually pay your bills, as you do trying to get out of paying it, you actually might get somewhere. You say get a real job? You know criminals say the say thing about cops. Whats that say about you? Dead beat. You people are full of excuses. How about next time a bill collector calls, try a solution. If it wasnt for people like yall, there wouldn't be a need for collection agencies. So I guess if you pay your bill I would have to get a real job as you call it. But how much you want to bet that if I pulled your credit report, you got more than one past due bill in collections. I bet you charged up your credit cards and filed bankruptcy and now have even more credit cards in collections since you can only file bk ever 7 years. Dumb a*s people like you talk sh*t about collectors. (Because they caused you to borrow the money and not pay it back.) Its like blaiming a doctor for your aunt dying from cancer when she refused to take any treatment. I pay my bills as a nornal man. You don't deserve any other chances than I get. Pay your bills dead beats!!!!!!!!!! If you are the small percent that actually just can't pay, mail in 25.00 a month until you as a responsible red blooded American can get on your feet. Dont wait and take these stupid a*s peoples advice. Do the right thing. No excuses, just solutions.

You worked for a scum bag third party collection agency trying to collect out of date debts
How do I know this?? I SUED one of your kind and WON - and how bout this - This agency is now the dead beat who won't pay me my judgement
Get A REAL job -

Hello everyone! I used to be an employee of the Law Offices Of Sam Streeter a couple years ago. I just happened to come across this here because I heard they are no longer the Law Offices of Sam Streeter, they are the Law Offices of Richard Clark. I knew that guy Jeremiah. Nice guy, a d**n good collector. He quit and went to a large collection firm as a supervisor or something.

But lets get on the subject at hand...You people need a reality check. Stop trying to figure out a way to weasle out of paying your debts. It is that simple. You know what, it is people like you who try to get everything handed to you. You get mad when you signed a contract for a credit card and are responsible to pay the d**n money back. You give lame excusses why you can't pay and then all of the sudden, the truth comes out, which is you have money but are hiding it in a swiss account. You are the true definition of a dead beat, scum bag, and a losser. You are the reason America is in bad shape. But don't worry, Obama will save you! Get real! Get off you dead beat a*s and pay your bills! Oh, and if you think that I conduct myself on the phone this way when I call a "DEBTOR", think again. I just love this opportunity to tell you dead beats what I think. I used to think that debtors were just not able to pay because of job loss and what not, which is true in some cases, however, most people just dont want to give up their money. So basically, you are dead beats for not paying your bills. (If the shoe fits) Oh, and Bill Collectors are just normal people like you. They make a living just like most people do, how ever they can...

People like the "enforcer" here are one of the reasons society has so many problems. It's "people" like this that make their fortune off the backs of people who have come across hard times in their lives, and therefore the "enforcer" makes me sick.

Yes, I've dealt with shady collection agencies and attorneys for years, and handle things myself quite well. One of the statements the "enforcer" made was that junk debt purchases, such as CACV or CACH or any plethora of others out there, have the right to sue. I have disagree with that statement and say the the law is very specific about creditor vs. collector. Here's one to think about. Most debt purchases are sold on an "as is" basis, sort of like a used car. The junk debt purchaser buys the alleged debt for pennies on the dollar, and turns around and sues the debtor for the original amount plus a ton of "extra" charges such as inflated attorney fees and interest.

One must remember that the collector is NOT the creditor, especially in the case where there is nothing in a contract that the debtor has agreed to a creditor "selling" the contract or paper as it's known. Even in such cases, once account is sold to junk debt purchaser, the orginal creditor usually removes itself from any further exposure, including there usually being an agreement that they will not appear in court if such action is filed. You have to remember that the creditor has charged off the debt on their books, and has received the tax benefit from it already. Now enters the junk debt purchaser, the form of person or company that I feel is lower than the scum of collection agencies or collection attorneys...or for this matter, "enforcers."

My advice to anyone, before the "enforcer" arrives in the picture, is to fight the collection agencies/attorneys that are bottom feeding like this. I highly recommend a website budhibbs.com for FREE information for consumers to stop the harassment and stop people like this cold in their tracks. There ARE laws to protect the consumer/debtor from such people...use them! I have...and I've taken on some of the "big names" and their big name attorney firms. What did they get from me? Zilch zero and nada. They were quite lucky to walk away from me without having to pay tens of thousands of dollars for their actions. Knowledge is power over these low lifes...and never let them tell you otherwise or try and belittle you! YOU have the power over them, hands down. Use it before the "enforcer" comes a knock'n. >:)

People like the "enforcer" here are one of the reasons society has so many problems. It's "people" like this that make their fortune off the backs of people who have come across hard times in their lives, and therefore the "enforcer" makes me sick.

Yes, I've dealt with shady collection agencies and attorneys for years, and handle things myself quite well. One of the statements the "enforcer" made was that junk debt purchases, such as CACV or CACH or any plethora of others out there, have the right to sue. I have disagree with that statement and say the the law is very specific about creditor vs. collector. Here's one to think about. Most debt purchases are sold on an "as is" basis, sort of like a used car. The junk debt purchaser buys the alleged debt for pennies on the dollar, and turns around and sues the debtor for the original amount plus a ton of "extra" charges such as inflated attorney fees and interest.

One must remember that the collector is NOT the creditor, especially in the case where there is nothing in a contract that the debtor has agreed to a creditor "selling" the contract or paper as it's known. Even in such cases, once account is sold to junk debt purchaser, the orginal creditor usually removes itself from any further exposure, including there usually being an agreement that they will not appear in court if such action is filed. You have to remember that the creditor has charged off the debt on their books, and has received the tax benefit from it already. Now enters the junk debt purchaser, the form of person or company that I feel is lower than the scum of collection agencies or collection attorneys...or for this matter, "enforcers."

My advice to anyone, before the "enforcer" arrives in the picture, is to fight the collection agencies/attorneys that are bottom feeding like this. I highly recommend a website budhibbs.com for FREE information for consumers to stop the harassment and stop people like this cold in their tracks. There ARE laws to protect the consumer/debtor from such people...use them! I have...and I've taken on some of the "big names" and their big name attorney firms. What did they get from me? Zilch zero and nada. They were quite lucky to walk away from me without having to pay tens of thousands of dollars for their actions. Knowledge is power over these low lifes...and never let them tell you otherwise or try and belittle you! YOU have the power over them, hands down. Use it before the "enforcer" comes a knock'n. >:)

People like the "enforcer" here are one of the reasons society has so many problems. It's "people" like this that make their fortune off the backs of people who have come across hard times in their lives, and therefore the "enforcer" makes me sick.

Yes, I've dealt with shady collection agencies and attorneys for years, and handle things myself quite well. One of the statements the "enforcer" made was that junk debt purchases, such as CACV or CACH or any plethora of others out there, have the right to sue. I have disagree with that statement and say the the law is very specific about creditor vs. collector. Here's one to think about. Most debt purchases are sold on an "as is" basis, sort of like a used car. The junk debt purchaser buys the alleged debt for pennies on the dollar, and turns around and sues the debtor for the original amount plus a ton of "extra" charges such as inflated attorney fees and interest.

One must remember that the collector is NOT the creditor, especially in the case where there is nothing in a contract that the debtor has agreed to a creditor "selling" the contract or paper as it's known. Even in such cases, once account is sold to junk debt purchaser, the orginal creditor usually removes itself from any further exposure, including there usually being an agreement that they will not appear in court if such action is filed. You have to remember that the creditor has charged off the debt on their books, and has received the tax benefit from it already. Now enters the junk debt purchaser, the form of person or company that I feel is lower than the scum of collection agencies or collection attorneys...or for this matter, "enforcers."

My advice to anyone, before the "enforcer" arrives in the picture, is to fight the collection agencies/attorneys that are bottom feeding like this. I highly recommend a website budhibbs.com for FREE information for consumers to stop the harassment and stop people like this cold in their tracks. There ARE laws to protect the consumer/debtor from such people...use them! I have...and I've taken on some of the "big names" and their big name attorney firms. What did they get from me? Zilch zero and nada. They were quite lucky to walk away from me without having to pay tens of thousands of dollars for their actions. Knowledge is power over these low lifes...and never let them tell you otherwise or try and belittle you! YOU have the power over them, hands down. Use it before the "enforcer" comes a knock'n. >:)

Colene,

In the post you referred to, I CLEARLY addressed JEREMIAH.

Are you Jeremiah? It appears that you are.

Or, you just can't read.

But from now on, before you slam someone, you should at least gather the facts.

Learn how to read before slamming me.

As the Chairman and CEO of a judgment enforcement company, I have found some of the information I have read here interesting.

As someone who is in the County Clerks ofc daily reading through court cases, I find it very intersting that someone here said that most cases are paid after judgment. Where have I been? I'm making close to six figuers a year on those judgments, and if they are being paid it's due to companies such as mine that are enforcing said judgments.

As a matter of fact I was doing a search online for the office of CACV of Colorado LLC in Little Rock, AR, and that's how I came to this site. However, after reading this, I will be putting this case to the side, as it looks as thought they are doing their own collection.

What I wanted to do was to dispell some of the mis-information I have read here thus far.

First: The person who is at war with everyone about this, needs to be worrying about their duties at the "Firm" rather then what people are saying about the "Firm". NOTE: This Atty has said nothing about the firms actions, just his possible para-legal, or legal secratery.

Second: Someone else said basically you can't get blood out of a turnip. This is true. I don't know why this firm is going after people who can not pay? Yes they can garnish bank accounts, yes they can levy propery, etc. But if the JD; or judgment debtor has no real property, no real income, what's the point. Most Atty's, and those of you who are reading this will attest to this, will not take a case they can not win. I'm sure everyone knows that. In my field, I WILL NOT take a case that is 1) Too old, because the JD will have either had time to move assests, 2) don't have the money to pay, and 3) the cost will out weigh the monies in return.

Third: Not all persons owing money are dead beats as the person at this firm is claiming. I bet if I pulled their credit report I will find all kinds of items that have not been paid. Yes bad things happen to good people.

Final: Do these banks have the right to sale the debt? YES
Do the parties who have purchased the debt have the right to file suit? YES
Once the judgment has been handed down, do they have the right to levy, or garnish? YES.
Is there recourse for the JD? YES, but I'm not going to explain, as I'm on the other side of the business, I go after the money, not protect the JD.

My business is the purchase of judgments, yes it is lawful. And I collect on those judgments by any and all means with in the law. However, since an Atty has filed suit, and if won, there are several items in his favor in collecting on said judgment.

So with that, those of you have been suied, I would think about setting up payment arrangements, or you will find that you have been garnished and or levy. It is hard to combat the situation after it has gone into judgment, and this is why these Atty's are doing it.

I will say though, that they need to really look at the person before purchasing the debt. Does this person have the means to pay would be the first thing to look at. It would save them time and money in the long run. Also, if one of my employees spoke out of turn on what is, or isn't with Windsor, I would show them the door, It's not their place.

As the Chairman and CEO of a judgment enforcement company, I have found some of the information I have read here interesting.

As someone who is in the County Clerks ofc daily reading through court cases, I find it very intersting that someone here said that most cases are paid after judgment. Where have I been? I'm making close to six figuers a year on those judgments, and if they are being paid it's due to companies such as mine that are enforcing said judgments.

As a matter of fact I was doing a search online for the office of CACV of Colorado LLC in Little Rock, AR, and that's how I came to this site. However, after reading this, I will be putting this case to the side, as it looks as thought they are doing their own collection.

What I wanted to do was to dispell some of the mis-information I have read here thus far.

First: The person who is at war with everyone about this, needs to be worrying about their duties at the "Firm" rather then what people are saying about the "Firm". NOTE: This Atty has said nothing about the firms actions, just his possible para-legal, or legal secratery.

Second: Someone else said basically you can't get blood out of a turnip. This is true. I don't know why this firm is going after people who can not pay? Yes they can garnish bank accounts, yes they can levy propery, etc. But if the JD; or judgment debtor has no real property, no real income, what's the point. Most Atty's, and those of you who are reading this will attest to this, will not take a case they can not win. I'm sure everyone knows that. In my field, I WILL NOT take a case that is 1) Too old, because the JD will have either had time to move assests, 2) don't have the money to pay, and 3) the cost will out weigh the monies in return.

Third: Not all persons owing money are dead beats as the person at this firm is claiming. I bet if I pulled their credit report I will find all kinds of items that have not been paid. Yes bad things happen to good people.

Final: Do these banks have the right to sale the debt? YES
Do the parties who have purchased the debt have the right to file suit? YES
Once the judgment has been handed down, do they have the right to levy, or garnish? YES.
Is there recourse for the JD? YES, but I'm not going to explain, as I'm on the other side of the business, I go after the money, not protect the JD.

My business is the purchase of judgments, yes it is lawful. And I collect on those judgments by any and all means with in the law. However, since an Atty has filed suit, and if won, there are several items in his favor in collecting on said judgment.

So with that, those of you have been suied, I would think about setting up payment arrangements, or you will find that you have been garnished and or levy. It is hard to combat the situation after it has gone into judgment, and this is why these Atty's are doing it.

I will say though, that they need to really look at the person before purchasing the debt. Does this person have the means to pay would be the first thing to look at. It would save them time and money in the long run. Also, if one of my employees spoke out of turn on what is, or isn't with Windsor, I would show them the door, It's not their place.

As the Chairman and CEO of a judgment enforcement company, I have found some of the information I have read here interesting.

As someone who is in the County Clerks ofc daily reading through court cases, I find it very intersting that someone here said that most cases are paid after judgment. Where have I been? I'm making close to six figuers a year on those judgments, and if they are being paid it's due to companies such as mine that are enforcing said judgments.

As a matter of fact I was doing a search online for the office of CACV of Colorado LLC in Little Rock, AR, and that's how I came to this site. However, after reading this, I will be putting this case to the side, as it looks as thought they are doing their own collection.

What I wanted to do was to dispell some of the mis-information I have read here thus far.

First: The person who is at war with everyone about this, needs to be worrying about their duties at the "Firm" rather then what people are saying about the "Firm". NOTE: This Atty has said nothing about the firms actions, just his possible para-legal, or legal secratery.

Second: Someone else said basically you can't get blood out of a turnip. This is true. I don't know why this firm is going after people who can not pay? Yes they can garnish bank accounts, yes they can levy propery, etc. But if the JD; or judgment debtor has no real property, no real income, what's the point. Most Atty's, and those of you who are reading this will attest to this, will not take a case they can not win. I'm sure everyone knows that. In my field, I WILL NOT take a case that is 1) Too old, because the JD will have either had time to move assests, 2) don't have the money to pay, and 3) the cost will out weigh the monies in return.

Third: Not all persons owing money are dead beats as the person at this firm is claiming. I bet if I pulled their credit report I will find all kinds of items that have not been paid. Yes bad things happen to good people.

Final: Do these banks have the right to sale the debt? YES
Do the parties who have purchased the debt have the right to file suit? YES
Once the judgment has been handed down, do they have the right to levy, or garnish? YES.
Is there recourse for the JD? YES, but I'm not going to explain, as I'm on the other side of the business, I go after the money, not protect the JD.

My business is the purchase of judgments, yes it is lawful. And I collect on those judgments by any and all means with in the law. However, since an Atty has filed suit, and if won, there are several items in his favor in collecting on said judgment.

So with that, those of you have been suied, I would think about setting up payment arrangements, or you will find that you have been garnished and or levy. It is hard to combat the situation after it has gone into judgment, and this is why these Atty's are doing it.

I will say though, that they need to really look at the person before purchasing the debt. Does this person have the means to pay would be the first thing to look at. It would save them time and money in the long run. Also, if one of my employees spoke out of turn on what is, or isn't with Windsor, I would show them the door, It's not their place.

In answer to your question, no I am not one of them, but then again, I would rather be one of them as you put it, then be one of you.

I do see that you got your share of the profits from the people that you help swindle out of their money.

No wonder you see everyone else as a pity party, but I do believe you got your share of the want you could out of everyone else, before you decided to leave the company.

Calling them scum is most definitely the correct term, and I believe with my whole heart that your part of that title.

Funny, part is if the streeter gang were such a upstanding firm, how come there are so many people out there complaining about the standard, language and lies that were told them by the streeter gang.

Promise this, then that, but in the end the streeter gang in my opinion is worse than Hitler. No better certainly. Hilter killed the people, the streeter gang just takes and takes and takes and then hopefully they have everything a person has, then maybe with any luck on the streeter part, the person that they have taken everything from kills themselves, because what they had is now in the possession of the gang.

Scum is scum, an in my book, they are less than that.

JEREMIAH is an idiot and a loser for what he does for a living! The same goes to his a*****e co-worker who keeps calling me despite being in receipt of a cease and desist notice. Just for their continued harassment and their rude tone, I will not pay them anything! Now how about that Streeter, et al.? None of my assets are in my name and not in this country either - so good luck finding anything!

After 4 years the statute of limitations on my so called debt will have run out anyway and become uncollectible! And for those collectors who believe that they can just show up at my doorstep. it is illegal and you will quickly find yourself ending up in the hospital because I have every right to defend myself.

Last but not least, to everyone out there; most people calling you, claiming to be attorneys are lying. You can tell by their stupid and immature rebuttals. These guys are nothing more than a bunch of minimum wage losers who know they'll never amount to anything in life, so they're using their only chance to boost their little egos by pretending to be authoritative and almighty over the phone with their threatening harassment.

Want to sue me? Go ahead! Hey I'll do you a favor and not even show up in court - so you can spend all your money getting a judgment; you and I both know that even then you will not collect a dime!!! Hey it's your time and money, so I really don't care if you waste it. The law in my state protects creditors from taking my furniture, and everything else, hmmmmm - it belongs to my brother or my sister - just not you. As for my money.... God luck, because my savings are in Switzerland!
It's been a pleasure indeed!
Max

Your company does NOTHING in helping alleviate higher priceng allegedly due to debtors. What a crock that is. The original creditor will never see dime one from what you bought.

How very interesting! You once worked for them, yet you say that they were courteous, how funny. Are you a comedian? I have not seen us such bull in a very long time.

But in answer to your question that you have put before me. Yes, I try to pay my bills, most of the time I am on time, on occasion I am late paying them, but yes I do try to pay them. This one got out of control, but I an not going to say its my fault or it was theirs, just between two rocks. But then I am sure you know what I mean when I say that!

Must be a different streeter group that you worked for and the (sorry) ones that I had the misfortune to speak too, because let me tell you their is another word for rudness and they most definitely have found it.

I used to work at the Law Office of Sam Streeter. I am a Finance major and understand how your debt makes higher prices for the rest of us. We (consumers) pay more for our products because of people trying to scam the system. I find it a little, just a little, ammusing that people on here refer to the Law office of Sam Streeter as scum bags ect., because tthey help take the burden of your unpaid bills off of the rest of society. Most of you are upset because you feel trapped and helpless. I feel for you and your situations, but who signed the contract, you.
Mr. Streeter and his group work hard to employ assistants that are law abiding and courteous. I collected on a nice share of my files while being nice, understanding, and respectful. I have seen people let go from his office for not following the guidelines set forth by Mr. Streeter. They monitor some of the calls to insure compliance with the FDCPA.
I am sorry for those who have fell on hard times. Most good collectors will identify debtors who honestly can't pay their debt and will stop wasting their own time. Unfortunatly there are people who can pay their debt but don't want to. Is this you? Can you pay your debt but don't want to lower you standard of living? People be honest with yourselves. In most cases, the government won't side with you because you agreed to a contract and then defaulted on it.
Be a good American! Vote, pay your bills, and treat each other with dignity!

Jeremiah, I apologize to you thinking you were the other man. I hope you don't think that all Jeremiah's are as stupid as the one that is employed by the streeter gang. But I am sorry that you got caught in the triangle with that socalled nasty group.

Now, for Leroy, was that song written about you? Must have been since your comment sounded like something that would come out of a bull frog if one could speak.
Not that your RUDE, EGOTISTICAL, are anything of what your calling people. So I think that before you go around calling me or anyone else that you might just look into the mirror you might see your head if it wasn't stuff somewhere else. But then you might see something else here instead of what your really seeing.

You must be an employee of the streeter gang, because only those people talk an act the way you do. Without regard to the filty that comes from their mouths, an what you said in your SWEET comment, yes, I think your one of them.

Hey, by law they have to update your credit report you retard. If you was making $20,000 in 78, why are you in debt. You sound like the retard here. You sound like Colene! You can file chap 7 but now they make you pay the money back. So what is the point? The only good advice you gave is to stay away from credit cards! The rest of what you said is boo boo. As in s@#T!!

Hey guys, I am the Jeremiah that paid the Streeter guys. Please don't get me mixed up with that guy. We are 2 different people. Sorry guys, I should have used a different name than my own.

Where do I start? What a simple question, but I do know the answer to one of these rebuttals. Jeremiah, that name reminds me of a song called "Jeremiah was a bull frog". I forget who sings it. But it was in the 70's was a big hit. Anyway, here goes.

Don't anyone here take advice from Jeremiah, as he does work for the Streeter gang. He comes across as sweet honey suckel from the vine, but at the tip no less is a sticker with poison on it. SO beware my friends.

Streeter and his associates are what we call in the Bible a dog. Thats the lowest form you can be called, but they aren't that good.

I would do that too a dog to be called streeter, dogs are better than that.

Same ole bull just a different day.

These so called collection law firms are all a bunch of crooks, when your credit is screwed up for 7 to 10 years, what do you expect when the debtor tells you to pack sand. Because what good will it do to pay them, they are not going to have the original credit report changed from charged off to paid as agreed. What are they smoking crack!! You can can fool some of the people some of the time, but not all the people all the time. Ha Ha !!

I have found these crooks will show on your credit reports that the charged off account from 3,4,5 years ago will now be recent and even show that you have made a payment to keep the seven years going on and on like the energizer bunny. They are nothing more than a bunch of money hungry whores. And just love to keep kicking a dog when it's down. Especially that retarded Joshua who make $20,000 a year. Hell I was making that in 1978.

For all the ones out there who are being harrassed by these vultures, just remember filing Chapter 7, will bust their balloons. Even though they have tried to make it harder to file Chapter 7, save up money to live on, go see your credit counselor, wait one or two years , buy your new house and car and never get a credit card or cash advance loan again. The saying is still true the rich get richer and the poor get poorer and thats they way they like it!!

Where do you come from? Mars maybe! I will not pay the Streeter scum bags one red dime so to speak. I was paying my bill with the bank, at the rate that they set up, after a period of time, they didn't send me anything more, I thought I had paid all a hundred of what I owed. I kept sending until I thought it was paid.

But then I got a notice from them telling me that they had charged it all off. So where did all the money I paid go too. Someones pocket.

So streeter gang purchased the charge. If you call the kettle black you had better know the fact before you call anyone names.

Get your facts straight and if you can't then I suggest you seal it up.

If your dumg enough to pay someone like streeter, then I think your about the same category as they are.

The Law Office of Sam Streeter contacted me about a month ago. I owed Bank Of America $15,000 in old credit card debt. I spoke with a gentleman and I received a 50% settlement on it. I cannot complain! I was a "SCUMBAG"! I was just like all you "SCUMBAGS", trying to sneek my way out of paying my debt. Stop being a thief people! Pay your debts! I finally realized that I can't beat these people. Sure, some people weasel their way out of it. But don't be fooled! The chances of you getting out of it is slim to none! So just stop crying about how the bad bill collector is calling you and pay your d**n bill. They worked with me!

I took the advice of the guy that used to work there. He seemed to know what he was talking about! I didn't run and hide, I didn't call Bud Hibbs or what ever his name is, I acted like an adult! I didn't have the money. I did what I had to do to get it. That means I worked overtime, didn't send any money on things I didn't need, I saved and finally I had the money to settle my debt. Stop trying to scam your way out of it!

If you don't have a job that allows you to pay your debt, find another job. This is America, the land of oppurtuinity! If you don't have jobs where you live, move to where there is jobs. In this country there is no exuse to not having a decent job. Be a grown up! Stop with the " oh, the bill collector is calling me to get his money" crap! You made your bed, now lay in it!

I can't complain about the Law Office of Sam Streeter. They treated me the same way I treated them! Bill collectors are normal people just like the rest of us! If someone borrowed from you and didn't pay you back, you would be demanding your money as well. You wouldn't care how they got it either.

Rebecca, of North Carolina. Part of your problem lies in the state laws. A lot of the activity that has been discussed here is in Texas, a "debtors" state. The laws of NC are different in these matters. Make sure, you check all the consequences before you do anything, in any state. The only reason all that happened, was the NC laws. Colleen lives here in TX, as I do. I have recently been contacted by one of the Sam Streeter 4th party debt collectors, gave his "Business Name" as, Bryan, a legal assistant. Means he's legally an assistant. Be ware of the phony euphamisms.

Main thing, never admit the debt, ask for all validation, in writing. Never make any payments on the debt unless you get a letter from them first, stating this is a lump sum payment settling the referenced debt. Also be aware that they can use the difference you pay and the original amount as a default income to you, and file that as miscellaneous income for your next years IRS statement. An extra 2 or 3 thousand dollars income that you have to pay taxes on.

I went to court with my documentation, I won my case because they did not the right to sue me on something that was purchased as a charge off. In fact I got it completely ruled out of court.
Now, as far as if you should pay for something that was not you, I wouldn't, but you need a good attorney to tell you what you need to do in that case.

Good luck, I hope you get it turned around.
You need someone like Tim to help you with this. He's great cause he's attorney and knows what you need.
Colene

Courts, are just has crooked & the juled is crooked to why do u think he ruled in favor just complain about the judge but still nothing will be done, courts rule infavor of the person your suing all the time. Judges, are just as these businesses & they always win!.

Well, I went to court with all my documentation, but the judge ruled in favor of the Plaintiff. He said that eventhough I had responded with the debt validation request 3 times, the court does not consider that a "response". Therefore, he said he had to rule in favor of the plaintiff based on a "non-response" from the defendant. He let me enter all my documentation, including credit reports, as evidence. And all the proof that this debt is not mine, yet now I am not only stuck with paying a debt that is not mine, but now I will have a judgement on my credit report for the next 7 - 10 years.

I need advice. If I go ahead and pay this off in full will they take it off my credit? I am trying to buy a house and I know I will not get a mortgage with a judgement on my report, even if I file a consumer statement that it is not mine. I am at a loss. I thought I did everything right, but now I am paying for someone elses mistake.
Please help!

This is who I was refering to. In my last comment. Steve, you have no rebuttal so you try to point out the words I've mis-spelled. Don't you think that is childish? I came on this site to try to point out a couple errors and all of the sudden I get called all kinds of names and my character is assulted when none of you people know me. It really shows who the scum bag is, doesn't it?

Kevin, you are right, 99% of collectors are paid base plus commision. However, I can point out all kinds of snake ways to get out your debt, but I will not help people to steal. It is a different case when you just can't pay do to lack of funds, but it is stealing if you snake your way out of paying money you owe. Kevin, you are a smart person, I encourage you to attempt to help these people out. Good luck with that.

With what you said up above, you came into this conversation calling peopel here names that you didn't know, yet at the same time you just said "

I get called all kinds of names and my character is assulted when none of you people know me."
Isn't that calling the kettle black?
Your right about one thing, I don't know you, but neither do you know me.

You encourage people to help us out, yet your way of helping us or saying anythign about us is calling me a "Scum Bag".
If you don't want to be called something distasteful, then my suggestion to you, is don't call me or anyone else names.

J
Lakewood, Ohio
U.S.A.

This is who I was refering to. In my last comment. Steve, you have no rebuttal so you try to point out the words I've mis-spelled. Don't you think that is childish? I came on this site to try to point out a couple errors and all of the sudden I get called all kinds of names and my character is assulted when none of you people know me. It really shows who the scum bag is, doesn't it?

Kevin, you are right, 99% of collectors are paid base plus commision. However, I can point out all kinds of snake ways to get out your debt, but I will not help people to steal. It is a different case when you just can't pay do to lack of funds, but it is stealing if you snake your way out of paying money you owe. Kevin, you are a smart person, I encourage you to attempt to help these people out. Good luck with that.

TEXAS IS A NON-DEBIT STATE

THEY CANNOT TOUCH U


REMEMBER THAT

Well i got my credit report in the mail yesterday and there's like 4 credit cards that were given and charged up and never made a payment and they were all opened in 2005. It just sucks because everytime a debtor gets your account they put it on your credit report. Alot of them say they'll be there until 2012. I was waiting on my report to go file an identity theft in Houston.

Colleen, Megan, et.al who have these kinds of issues...

First.. quit fueling Jeremiah's fire.. There should be no personal insults going back and forth. Regardless if this guy works for them anymore or not, is not the issue.. He makes good points saying be prepared to pay for what you spend.. We all know that.. we grew up with parents rearing us that way.. At the same time, I do not agree with some of what he says about process to handling these debts...

Choose your words carefully when confronted with these people (debt or junk debt collectors). Jeremiah is like a sales person in that he probably collects a commission on every account he can get to pay... So, they can come across as a wolf in sheep's clothing.. They can be very nice, but once they got you to bite the bait, the tone will change...

When they call you.. do not verify your social security number. Tell them, all you need is my name, address, and phone number. I would record all telephone calls with them.

Also, be sure that you know the first date of delinquency (no more payments made or promises to pay - 30 days late)... As long as you do not pay towards the debt and no judgement is filed against you, then you will not be responsible after the statute of limitations has expired...

I know Jeremiah works here in Houston (where I am at), but the statute of limitations in texas is 4 years from first date of delinquency...

Jeremiah and his team are trained to convince you to:

1) Admit liability to the debt
2) Try to make you pay the debt in full
3) Make a settlement amount request
4) Take Payments
5) Token payment and then monthly installments at a later time

When you do this, you actually reset the statute of limitations clock.... For example, if you had a VISA card which you stopped paying in October 2001. In November, it is 30 days late... So, 4 years later (SOL time frame in Texas) - November 30, 2005, collectors, law firms, etc... lose the right to collect... However, during that time, do not admit further liability to this account... After that time frame has expired, use the following script when called (and send via certified letter return receipt requested):

"The statute of limitations has expired on this debt. Please cease communications with me on this debt. Please provide a mailing address where I can send a cease and desist letter, along with a statute of limitations expired form letter as well.. " This will really tick them off.. They may state.. look.. if you pay $25, we can easily go away.. You may think.. well.. that is not that bad.. But guess what.. this is how they can reset the clock...

So, when they say, "yeah, your citibank card, which you stopped paying in October. You owe us $3500." You then turn around and state... I do not know what you are talking about.. Even if this debt does exist, I refuse to pay under my statutory right under state law.

Jeremiah, I believe your 98% of debtors have an 8th grade education to be incorrect.. I realize that your industry association may provide that statistic.. It is grossly overstated.... Your statement implies that less than 2% of debtors got high school, college, and post graduate education..

Just out of curiousity.. how old are your debts... One other thing... I do not care if they are a law firm.. By them issuing idle threats of suit in court, this can make them for violations of FDCPA.

You really do need a life don't you?

You called me a bitter old hag, have you looked in the mirror lately, but you really haven't.

So one day take a good look in the mirror you just might not like what you see, cause where I am sitting, it ain't no pretty site.

With a mouth like yours you sure can get a job bouncing the c p around as you so put it, but that's all I think that you will be fit for with that mouth.

Have a nice time in Vegas with your parents.

Jeremiah,

Where did that reply come from? WHO exactly were you responding to? What brought on that outburst?

And, I noticed in several places you used the word "sence". Well, there is no such word. The word you are looking for is "sense".

Let me get this right, now we are talking about how proud my mother and father are not of me? Let me tell you something chump, I wake up every morning and look at myself in the mirror. I am a very proud of the things I have achived in my life. I don't care how long you worked at some donut eating, I think I'm God because I wear a badge and a gun police department. If you really want to talk about someone, how about you loose the I'm an ex pig attitude! At least I can pay my bills. How hard is it to inderstand that Sam Streeter is just a good business man? If he is buying debts at a lower cost that the actual debt, then collecting the full balance, how does that make him a bad person? How does it make me a bad person to collect these debts? It doesn't. You people are full of c**p! I no longer work for Sam Streeter. I could care less if you talk bad about him or not. But I will say this, use common sence. Sam Streeter is not better or worse than the next person. He just uses common sence to suceed in life. I am 28 years old and I have all my needs and 90% of my wants. So the next ignorant person who wants to try to belittle me because you can't reasonably respond to my comments, grow up, get a life. Oh and all of you people in whom are bitter because you got jammed up by the Law Office of Sam Streeter and can't use common sence, cause you have none, go to hell. The majority of people who are in debt are stupid people that can't manage money. For the people who do know how to mange money and are in debt, you will suceed. Why, because you have common sence. Don't pay your debt people, and you risk getting sued. It may be a hit or miss thing but I know if I were in debt, I sure wouldn't piss of the people who have my balls in their hand... I'm finished with you people, this is the last time I will waste my time reading old bitter Colene rant and rave about, well i really don't care. Good luck to the people with common sence, I promise you will suceed and over come adversity. I'm taking my parents to Las Vegas for a week. Huh, I guess my parents are pretty proud of me you scim bag ex pig!

You bet, take everything you have showing that you didn't have account with these people and that you never had and still don't have anything with them.

This will not only put a wrinkle in their case, but 9 our 10, they don't usually show up at thses hearing, because first they don't have the documentation that they need to procecute you and second, because they don't expect you to follow through with it.

Always show up at the hearing, they usually don't show up and more often than not, it is usually by default on their part.

Good luck tomorrow, I know the Lord was with me on the day that I had to show up at court, mine got thrown out. Yours will too.
Colene

I am going to the courthouse tomorrow to file a continuance. Tell me, all my filings so far are admissible in court right? I have documentation out the wazoo! I wasn't going to fight it because it is such a small amount, but I finally got really angry and am definitely going to fight.

I pulled all 3 of my credit bureau reports again just to make sure I had not overlooked something. And there is absolutely nothing on there for Citibank or CACH. Can I take those to court with me as proof?

Thanks!

Rebecca,

First of all, you need to consult some different attorneys as $5000 for a debt collection case is about $4500 too much! Contact the NACA or call Bud Hibbs for assistance and maybe a referral.

Second, file a motion for continuance. Go to the court clerk's office, and they may help you with this. Do this right away.

Third, be very specific that you want to see an original signed contract that created the alleged debt that has your signature on it as well as an account history and itemization of all charges. You MUST ask for this, as the court WILL NOT do it for you.

You need to challenge EVERYTHING they give you or tell you. This is what a good lawyer does.

You can also file a motion to dismiss based on lack of evidence to support the claim. An old citibank statement, etc. IS NOT acceptable proof of debt.

Good luck.

Stephanie,

Statute of Limitations for legal collections activity and for negative credit reporting are 2 very different things.

Each state has a SOL in which an account can legally collected upon and/or suit brought for. These range from 3 to 15 years with most being between 4 and 6 years. FYI..Not even one state has a 7 year SOL on collections.

Federal law [FCRA] specifies that a negative account may only be reported from the date of first major delinqhency [usually considered 30+ days late] for 7 years, NOT the date it went to collections, as a creditor may not actually send it to collections for several months, or ever!

Ok, so here's my situation:

1/1/07 Was served a Civil Summons stating that Sessoms & Rogers, PA was representing CACH, LLC and suing me for the amount of $2058.
I filed my answer/defense both with Sessoms & Rogers and the Clerk of Courts, which included a request for debt validation.
I received a notarized letter stating that the original creditor was Citibank and it was charged off on 3/2004, but no other information.
I then sent the debt validation request 2 more times and filed it with the Clerk of Courts.
The next communication I received was my Court date for a Motion for Summary Judgment.

My court date is coming up on June 4th. I have no record of having an account with Citibank. I have a copy of all 3 of my credit reports, none of which show a charge off account or an account with CACH, LLC. I met with a lawyer, but he wanted a minimum of $5000 to do the work for me, so I am trying to do this all myself.

My question is, should I fight this in court or should I give in and settle? Can I use my credit reports as evidence in the court? I am at a loss with what to do.

There's a typo in my last rebuttal. In my example of an account aging out, it was put into collection in 1/2001 so that means it would age out in 1/2008. It is 7 years from the date it was put into collections.

Another tip with this, credit bureaus will remove a collection account at 6yrs9mos if you dispute it.

Seems that there is a lot of bad information in the responses. I am a certified credit counselor and understand how very frustrating your situation is. There were so many responses, I didn't read them all but here are some facts.

Date of last activity/last payment is no longer the valid way to time out a debt. It now begins to age out from the day it went into collections/was charged off WITH THE ORIGINAL CREDITOR.

For example:
You have a credit card that you stop paying in 1/2000, the company sends into their internal collections in 1/2001. They eventually sell it to a collection agency in 1/2002 where it then goes through several different agencies. Here and there you make token payments. In 12/2006 a new collector really begins to puts the screws to you. AS OF 1/2007 IT HAS AGED OUT THE 7 YEARS AND THEY ARE NO LONGER ALLOWED TO COLLECT THE DEBT. Many of these companies buy these debts for pennies so whatever they make is all gravy.

Best advice - for an old debt - offer to settle, depending on the age of the debt they are sometimes willing to take half the amount.

For a judgement - these must be paid, they stay on the credit report for 10 years from date of filing and although they come off your credit report, the company can collect the debt upwards of 20 yrs or more (depending on state law). With a judgement they can garnish your wages, freeze bank accounts and seize property (again, according to state law).

Check your credit report and dispute ANY errors - even an incorrect address. If you have a debt that has been sold to several collection agencies all should show either a 0 balance or note that the debt has been sold (except for the latest agency collecting). If they are not reporting it that way, dispute it.

It is best NOT to pay a collector with electronic funds transfer or debit. If you can, mail a check and be sure of the following:
If you are settling the debt for less than total balance, request a zero balance letter so you can report to the credit bureaus if they don't.
If you set up a payment plan to pay off a debt, try very hard to get it in writing.

If a collector is particularly abusive or calling you at work send them a cease and desist letter (some have a fax # for this). Just telling them over the phone is not enough. They are not allowed to call before 8am or after 9pm in YOUR TIME ZONE! Report abusive collectors to your state attorney general.

DO NOT GO TO CREDIT REPAIR AGENCIES! They do the same thing that you could do for money. NO ONE CAN CLEAR OUT YOUR CREDIT REPORT! If debts are valid, they are valid.

If you need a reputable credit counseling agency go to www.hud.gov and search on their housing counseling agencies many of whom do credit counseling (like me). And do it free!

There is so much more I can tell you but space and time doesn't let me. There is hope if your credit is in shambles but you need to take control! You can fix it!!

Stephanie

Ok... its been sometime and I have been expecting my go to court letter; well out of the blue streeter calls me, but I wasnt here. What are they calling for? I can't pay them and I dont have any property or anything so I dont see why they're suing me personally, I dont WANT to pay them because it was identity theft, but I want to pay because people say its easier to just pay than try to get your credit right after identity theft.

Go to

budhibbs.com

click "Agencies To Avoid"

Scroll through all the bottom feeders until you get to Sam Streeter. They are in alphabetical order.

Bud Hibbs site has a lot of information on collection agencies.

Don't let these parasites drag you down. Fight back!

Good luck!

Here is the info right from Bud Hibbs:

Agency Details

Collect America

CACV & CACH

(Separate Corporations, Subsidiaries)

370 17th Street, Suite 5000
Denver, CO 80202-3050
Ph: (303) 296-3345
Fax: (215) 281-7522

Phillip Scott Lowery Offices:
(Private Law Firm Owned by Collect America's CEO)
4500 Cherry Creek Drive South
Suite #700
Denver, CO 80246

Web Address: http://collectamerica.com/


Principles:

Phillip Scott Lowery

Brian L. Johnson (Financial Officer)

David L. Michael

James R. Wolf

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

Bud Says

One of the largest debt buyer organizations in America In 2005, Collect America owner Phillip Scott Lowery reportedly sold his operations for $350 MILLION to an organization called First Analysis Private Equity Fund IV, in collaboration with co-investor KRG Capital.

The Collect America system is comprised of approximately thirty franchisee's across the country, with an attorney name on their door. Some of the attorneys such as Sam W. Streeter of Houston, have been dubbed Rent-A-Lawyers' due to their total lack of debt collection law and Fair Debt Collection Practices Act (FDCPA) experience.

*Collect America Franchisees:

Law Office of Sam W. Streeter, Houston, TX

Richard G. & Catherine A. Neuheisel Law Firm, Tempe, AZ

Neuheisel Law Firm, Deborah Sue Harvego, Sacramento, CA

Law Office of Thomas K. Bamford, Dallas, TX

Harold E. Scherr, Attorney at Law, Longwood, FL

Bronson and Migliaccio Attorneys, Williamsville, NY

Bronson and Migliaccio Attorneys, Elmwood Park, NJ

Phillips and Cohen and Associates, Westampton, NJ

Law Office of Larry Roach, Copley Twp, OH

Phillip Scott Lowery P.C., Denver, CO

Law Office of Joe Pezzuto, Phoenix, AZ

Law Office of J. Anthony Cambece, Boston, MA

Workman Law Office, P.A., Jacksonville, FL

Collect America, LTD, Denver, CO

Gamache and Myers, St Louis, MO

P. Scott Lowery, P.C., Tulsa, OK

Law Office of Wilfred E. Briesemeister, Montclair, CA

Harrison Ross Byck, Morrisville, PA

Daniels & Norelli, P.C., Westbury, NY

Davis Law Office, Russell A. Davis, Solana Beach, CA

Richard DeJana & Associates, Kalispell, MT

Dennis Michael Dendy Law Office, Gretna, LA (Houston TX)

Daniel N. Gordon, P.C., Eugene, OR

Mims, Jerry M., Attorney, Islip Terrace, NY

Pentagroup Financial, LLC, James J. Thorpe, Attorney, Houston, TX

(represents CACV & CACH)

(*May not accurately reflect all franchisees)

Since the sale of the main organization, Denver Attorney Phillip Scott Lowery and his collectors that include attorneys David L. Michael and James R. Wolf have relocated to the Cherry Creek Drive address. Scott and wife Texie were rumored to have moved to Vail, CO, however he reportedly still is involved in the day to day operations through brother Arthur Todd Lowery.

CACV of Colorado, LLC. which stands for Collect America Collection Vehicle and CACH, LLC are the debt purchasing arms of Collect America. Lowery and associates reportedly purchase these accounts for pennies on the dollar, then attempt to collect on the full value. Collect America does place these accounts on credit bureau reports under the names CACV, CACH and Collect America. Under provisions of federal law, the Fair Credit Reporting Act (FCRA), they may NOT stay past the date of last activity as stated by the original creditor and the information and amounts reflected MUST be accurate, as stipulated by federal law.

The ONLY thing that can restart a date of last activity' is by YOU making a payment, Collect America cannot change it under any circumstances. You should always obtain copies of your credit reports directly from the credit bureaus to compare those dates. You have the right to dispute any debt buyer account found on your credit reports as Not My Account with the credit bureaus. Always keep copies of credit reports for reference. If a date of activity has been changed in violation of the Fair Credit Reporting Act, you may be able to take legal actions against whomever in federal court for violating the law. Contact me for referral to a local consumer law professional.

If you are ever sued by a Collect America attorney it is VERY important that you respond to that suit. An attorney from the National Association of Consumer Advocates may be able to assist you, I recommend you visit: www.naca.net

They just don't give up. Either streeters bunch or finance company - their all onthe load shark boat.

If they can't earn a decent living, say lets go shopping around, buy some notes dirt cheap, and go out and get out of the people what we can, if not then lets harrasse them, make them feel like dirt.

Its the same ole story, no matter who it is how they came into prossession of it.

Do they have the original contract that you signed, was it with them. Tell them no write them to send you a copy of the original contract that you signed with them along with a copy of all the notes paid to them.

They can't produce it. They sue you, go to court, tell them to produce the contract you signed with them and all the notes paid on that contract that you signed with them.

Ok! You say attempt to pay your debt somehow? The finace co offered to help us find a buyer! Okay it all a okay now! Okay 5 years down the road your back on your feet ready to try and buy a home again! He did the right thing, but now five years later we get a call from a finance co we never done business with. They tell my hubby they want him to sign a surrender of property notice. He tells them he does not own that property anymore,and hasn't for 5 years.

They tell him they bought the old finance co, and the new owners of the home defaulted on it, and he is now responsible! He told them he doesn't even know where the home on wheels is at!

Then they threaten to sue him. We never heard from them again. It still shows paid in full with the finance company that bought the old finance co on the credit report. 7 mnths later! The original finance Co reports as a charged off debt on his credit 4/07! How can this be if they are not the lein holders? And how is that fair? Another question do they keep reporting each month to the Bureaus after it's charged off?

I know we should pay our bills, but creditors should have a little compassion when there is an illness, or loss of a job or any circumstance! With another creditor we wanted to take care of it, but they wanted 600.00 per month. We did not have that kind of money. We offered them $ 200.00 until the debt was paid. But they would not agree.

Ok! You say attempt to pay your debt somehow? The finace co offered to help us find a buyer! Okay it all a okay now! Okay 5 years down the road your back on your feet ready to try and buy a home again! He did the right thing, but now five years later we get a call from a finance co we never done business with. They tell my hubby they want him to sign a surrender of property notice. He tells them he does not own that property anymore,and hasn't for 5 years.

They tell him they bought the old finance co, and the new owners of the home defaulted on it, and he is now responsible! He told them he doesn't even know where the home on wheels is at!

Then they threaten to sue him. We never heard from them again. It still shows paid in full with the finance company that bought the old finance co on the credit report. 7 mnths later! The original finance Co reports as a charged off debt on his credit 4/07! How can this be if they are not the lein holders? And how is that fair? Another question do they keep reporting each month to the Bureaus after it's charged off?

I know we should pay our bills, but creditors should have a little compassion when there is an illness, or loss of a job or any circumstance! With another creditor we wanted to take care of it, but they wanted 600.00 per month. We did not have that kind of money. We offered them $ 200.00 until the debt was paid. But they would not agree.

Ok! You say attempt to pay your debt somehow? The finace co offered to help us find a buyer! Okay it all a okay now! Okay 5 years down the road your back on your feet ready to try and buy a home again! He did the right thing, but now five years later we get a call from a finance co we never done business with. They tell my hubby they want him to sign a surrender of property notice. He tells them he does not own that property anymore,and hasn't for 5 years.

They tell him they bought the old finance co, and the new owners of the home defaulted on it, and he is now responsible! He told them he doesn't even know where the home on wheels is at!

Then they threaten to sue him. We never heard from them again. It still shows paid in full with the finance company that bought the old finance co on the credit report. 7 mnths later! The original finance Co reports as a charged off debt on his credit 4/07! How can this be if they are not the lein holders? And how is that fair? Another question do they keep reporting each month to the Bureaus after it's charged off?

I know we should pay our bills, but creditors should have a little compassion when there is an illness, or loss of a job or any circumstance! With another creditor we wanted to take care of it, but they wanted 600.00 per month. We did not have that kind of money. We offered them $ 200.00 until the debt was paid. But they would not agree.

Megan, don't let Jeremiah fool you. He's still working for them, you can bet your bottom dollar on that one.

Send them the first letter and if they still contact you send them the second letter telling them no conversation with them will be tolerated.
Go to court, casue legally they don't have the original contract that you SIGNED WITH THEM.
Of course you didn't sign with them. THis is called harrassement and they are under the RICO statue.

Colene

OK Jeremiah Sam Streeter was sending my letters to an old address i hadnt lived at since i was 12. I only talked on the phome with them twice and there wasnt any type of lets work this out talk going on. Now what do they do when you don't have a full time job or any job for that matter or any property, because I seriously have nothing of value. All I had was my car that crapped out on my 8 months ago. there's like no reward in suing me except the satisfaction of saying i was sued, and what makes this even more BS is that i didnt even get this credit card.

OK Jeremiah Sam Streeter was sending my letters to an old address i hadnt lived at since i was 12. I only talked on the phome with them twice and there wasnt any type of lets work this out talk going on. Now what do they do when you don't have a full time job or any job for that matter or any property, because I seriously have nothing of value. All I had was my car that crapped out on my 8 months ago. there's like no reward in suing me except the satisfaction of saying i was sued, and what makes this even more BS is that i didnt even get this credit card.

OK Jeremiah Sam Streeter was sending my letters to an old address i hadnt lived at since i was 12. I only talked on the phome with them twice and there wasnt any type of lets work this out talk going on. Now what do they do when you don't have a full time job or any job for that matter or any property, because I seriously have nothing of value. All I had was my car that crapped out on my 8 months ago. there's like no reward in suing me except the satisfaction of saying i was sued, and what makes this even more BS is that i didnt even get this credit card.

OK Jeremiah Sam Streeter was sending my letters to an old address i hadnt lived at since i was 12. I only talked on the phome with them twice and there wasnt any type of lets work this out talk going on. Now what do they do when you don't have a full time job or any job for that matter or any property, because I seriously have nothing of value. All I had was my car that crapped out on my 8 months ago. there's like no reward in suing me except the satisfaction of saying i was sued, and what makes this even more BS is that i didnt even get this credit card.

Oh man... Where do I start? Well I no longer am an employee of Attorney Sam Streeter. I just can't get over how ignorant people can be. Colene, yes they have copy of your original application with your signature on it. Who told you that they don't? The whole reason the Law Office Of Sam Streeter was retained in Texas is because you where found suit wothy. You own property or have a full time job, that is why you got sued. Show up to court or not, 99% of the time, the attorney is 100% ready to sue you.

For all you people reading this, don't be a fool! Try to resolve your debts is the Law Office Of Sam Streeter calls you. It is seriuos business! It cannot hurt to talk to any debt collector or an attorney office that calls you rearding your debt. It only leads to legal harrassment! What is legal harrassment? It is where they call your neigbors, and relatives to get a hold of you. You can't run and hide either. Bill collectors can find you! No doubt about it.

My honest to God advice is to talk to these people. It cannot hurt! The only reason not to talk to them is if you are a dead beat scum bag who refuses to pay your bill(s)! I'm not calling anyone names but it is just common sence thst if you ever had the hopes of paying your bill(s) then you would attempt to resolve it with these people! Your boo h*o story makes no difference, the only thing that matters is that you talk to these people and attwmpt to make restitution towards YOUR debt. It is as simple as that! I wish you the best of luck to all of you attempting to become debt free and not running from responsibility.

Yes, Megan, they have to send you an letter of intention. They also may send you something saying that you have been sued. An officer of your community will bring the papers with him and get you to sign, saying that you have been sued by the Streeter gang.

Like was said before by the elite group of attorneys that help people here said, go to court, show up at the appointed time that is said for your court date. They won't show up becuase they don't have the proof that you signed anything withthem. They don't have the documentation that is necessary to prove that you ever signed anything with them.
They only do this for scare tactics.

What they are really doing is under the R.I.C.O. statue, which is really extortion. They don't plan on showing up at the appointed court date, and they are betting that you won't either. But show up, cause then they will loose. But see, when you do show up you beat them at their own game, cuase they can't show up, because they don't have anything to prove that they own what ever it is that they are suing you about. They are nm/t the original creditors.
Colene

So the streeter firm has stopped calling, so I assume now they're getting the lawsuit ready, but I haven't gotten a letter or anything Then I was wondering since they were mailing my "notices" to an address I havent lived in since I was 13... would they try to do things the right way and send them to me now since they have my current address now. They cant like just go to court and not tell me when right? I have to get something dont I?

Megan,
You wanted to know how they got your old address, that's easy.
All they had to do was to look up all your old addresses in a place called zabasearch.
If you look it up, you might be surprised as to what you will find there.
check it out. zabasearch.com
YOu might just find out that they had the info on you from way back when.
You can of course get them to take you off. That's what I did.
Hope this helps.
Colene

Thanks alot for all the info... I'm going to write a letter to them Monday. Here's a little random question... they were calling me for awhile but I was always at school and when they left voicemails they didnt say what they wanted so I thought they were telemarketers... well when I did talk to the lady the address they had for me was one from when I was like 13 or 14 how did they get my current number but not address... that address is where they were sending their supposed notices to me.

Megan,
You should send them a letter asking them to send you a copy of the original contract that was signed, and also a copy of the contract with was signed by your mother with them and also a copy of all payments made to them by your mother.
Also, tell them that you want no further conversations, letter or anything from them
Also, state that what they are doing is illegal, and this also falls under the R.I.C.O. act.
You may also tell them that you have reported them to the ripoffreport.
No further communications will be tolerated by you.

Megan,
I too have had and am still having trouble with Sam Streeter and his brood of huddlesoms.
But I have gone to court once on this business form them and won by default.
I am to go again for something else that they purchased.
I received this from an attorney from D/FW area. I hope this helps you as much as it helped me.
you need to contact the Attorney General's Office. Streeter simply buys at a discount bad debt and through harassment and intimidation, try to collect in multiples of the original debt. This is illegal and falls under the R.I.C.O. statute of the late 70's. This is the same statute the feds use to bust up organized crime rackets engaged in loansharking and extortion. Trust me, contact the the Texas Attorney General's Office with regards to this issue. My name is Tom and I practice law in the D/FW area. Hope this helps doll.

Tom - Dallas, Texas

Ok... do you know what i should send to the company? And as far as my mom goes i'm filing an identity theft charge against her, because theres more credit cards... i learned this from my credit report. I stopped talking to the streeter office until i can find out more... and which states civil laws should i check Louisiana or texas... i'll do both. thanks.

Talking on the phone with this place will get you nowhere, send a letter(RRR) for validation, pull your credit reports and see what they placed there, pay close attentions to dates.

If your boyfriend was not on the contract or an allowed user, there is nothing that can be done to him.

Try contacting legal aid for help, start looking up the, rules of civil law in your state.

You should start now, so as to get a good ideal of what needs to be done, sometimes it best to get an attorney, when you receive a summons, but the sad fact most people can't afford one.

If your mom was the cause of this have her step forward, to help you. I know this is easier said then done, its your mama after all.

Best advice I can give is stay off the phone, do everything in writting, do not admit to anything, until YOU have all the information and facts.

good luck

If you know there is a summons coming Its best to start trying to see what a lawyer will cost, legal aid or start learning the rules of civil law, especially, the rules on pleadings,discovery, interrgatories, request for admission, some on the rules of evidences.

Well my name is Meagan and this Sam Streeter law firm called me saying I would be sued for 1500 dollars if I didnt pay it by today. First off I am very responsible with money, but my mom got a hold to this credit application and charged it up herself. I explained this and the people just say file charges. They I think were trying to scare me saying they would go after my boyfriend because he's military and we've lived together for about 6 months. I am just wondering what exactly do I do when I go to court... I dont have all the money like that, but I could make payments. What happens if I dont go to court and what do I say if I do go to court. I read where Tom said they dont have copies of the original contract so they dont show up... what do I say if they do?

I am an ex-empoyee of what was The Law Offices of Charels Soffar then Daniel Ciement and now Sam Streeter, and although there are a few decent collectors at the firm for the most part you can not even try to "TALK" to a debtor for the fact that all the other collectors are on the phone yelling and threatening the person on the other end.

The managers and franchice owners reword the
collector with the most brutal attacks and if you are one of the guys tring to help the debtor then you are given older harder to collect debts with people that will ner pay and inturn you quit because they don't pay enough to pay your bills. As for the "attorney" he is a joke. The collectors have to tell him what the laws are and he is a weak little pushover. I found this on the net....

COLLECT AMERICA IS NO LONGER COLLECT AMERICA

They have TWO new names, CACV, LLC and CACH, LLC and are filing lawsuits and arbitration claims to collect on their bottom feeder accounts. Debt collector and owner Phillip Scott Lowery, of Denver, CO has embarked on the legal path in an apparent attempt to bolster revenues. Unfortunately, he still using the same old tactic of bogus affidavits, based on manufactured documents and lies in the pleadings that purport to show they have knowledge of events that they do not. One of their worst and in my opinion dumbest franchisee's, Sam Streeter of Houston, TX has his collectors threatening litigation in states he is NOT licensed to practice law in. Sam has already earned himself a reputation for not being the brightest light' in the food chain, so his collection antics come across more as desperate, than professional

So in conclusion I would say if you get a call from theas guys...record every call and fight let them take you to court because they will not be able to prove anything!

I am an ex-empoyee of what was The Law Offices of Charels Soffar then Daniel Ciement and now Sam Streeter, and although there are a few decent collectors at the firm for the most part you can not even try to "TALK" to a debtor for the fact that all the other collectors are on the phone yelling and threatening the person on the other end.

The managers and franchice owners reword the
collector with the most brutal attacks and if you are one of the guys tring to help the debtor then you are given older harder to collect debts with people that will ner pay and inturn you quit because they don't pay enough to pay your bills. As for the "attorney" he is a joke. The collectors have to tell him what the laws are and he is a weak little pushover. I found this on the net....

COLLECT AMERICA IS NO LONGER COLLECT AMERICA

They have TWO new names, CACV, LLC and CACH, LLC and are filing lawsuits and arbitration claims to collect on their bottom feeder accounts. Debt collector and owner Phillip Scott Lowery, of Denver, CO has embarked on the legal path in an apparent attempt to bolster revenues. Unfortunately, he still using the same old tactic of bogus affidavits, based on manufactured documents and lies in the pleadings that purport to show they have knowledge of events that they do not. One of their worst and in my opinion dumbest franchisee's, Sam Streeter of Houston, TX has his collectors threatening litigation in states he is NOT licensed to practice law in. Sam has already earned himself a reputation for not being the brightest light' in the food chain, so his collection antics come across more as desperate, than professional

So in conclusion I would say if you get a call from theas guys...record every call and fight let them take you to court because they will not be able to prove anything!

I am an ex-empoyee of what was The Law Offices of Charels Soffar then Daniel Ciement and now Sam Streeter, and although there are a few decent collectors at the firm for the most part you can not even try to "TALK" to a debtor for the fact that all the other collectors are on the phone yelling and threatening the person on the other end.

The managers and franchice owners reword the
collector with the most brutal attacks and if you are one of the guys tring to help the debtor then you are given older harder to collect debts with people that will ner pay and inturn you quit because they don't pay enough to pay your bills. As for the "attorney" he is a joke. The collectors have to tell him what the laws are and he is a weak little pushover. I found this on the net....

COLLECT AMERICA IS NO LONGER COLLECT AMERICA

They have TWO new names, CACV, LLC and CACH, LLC and are filing lawsuits and arbitration claims to collect on their bottom feeder accounts. Debt collector and owner Phillip Scott Lowery, of Denver, CO has embarked on the legal path in an apparent attempt to bolster revenues. Unfortunately, he still using the same old tactic of bogus affidavits, based on manufactured documents and lies in the pleadings that purport to show they have knowledge of events that they do not. One of their worst and in my opinion dumbest franchisee's, Sam Streeter of Houston, TX has his collectors threatening litigation in states he is NOT licensed to practice law in. Sam has already earned himself a reputation for not being the brightest light' in the food chain, so his collection antics come across more as desperate, than professional

So in conclusion I would say if you get a call from theas guys...record every call and fight let them take you to court because they will not be able to prove anything!

I am an ex-empoyee of what was The Law Offices of Charels Soffar then Daniel Ciement and now Sam Streeter, and although there are a few decent collectors at the firm for the most part you can not even try to "TALK" to a debtor for the fact that all the other collectors are on the phone yelling and threatening the person on the other end.

The managers and franchice owners reword the
collector with the most brutal attacks and if you are one of the guys tring to help the debtor then you are given older harder to collect debts with people that will ner pay and inturn you quit because they don't pay enough to pay your bills. As for the "attorney" he is a joke. The collectors have to tell him what the laws are and he is a weak little pushover. I found this on the net....

COLLECT AMERICA IS NO LONGER COLLECT AMERICA

They have TWO new names, CACV, LLC and CACH, LLC and are filing lawsuits and arbitration claims to collect on their bottom feeder accounts. Debt collector and owner Phillip Scott Lowery, of Denver, CO has embarked on the legal path in an apparent attempt to bolster revenues. Unfortunately, he still using the same old tactic of bogus affidavits, based on manufactured documents and lies in the pleadings that purport to show they have knowledge of events that they do not. One of their worst and in my opinion dumbest franchisee's, Sam Streeter of Houston, TX has his collectors threatening litigation in states he is NOT licensed to practice law in. Sam has already earned himself a reputation for not being the brightest light' in the food chain, so his collection antics come across more as desperate, than professional

So in conclusion I would say if you get a call from theas guys...record every call and fight let them take you to court because they will not be able to prove anything!

Did anyone ever tell you Tom, that your an angel sent from heaven.

If you were standing right here in front of me I do believe that I would hug your neck.

I am going to contact the Attorney's General's Office, as I leave here.

I thank you from the bottom of my heart.

I will show up in court, wait until they show up, like I did before. Thank you so much for caring enough to answer me here. Your a wonderful person.
I wish you were here, as I sure could use an attorney with such wonderful aspect on the law.

You might want to check out another post that I have here on a partner of mine,that is trying to oust me out. Your help in that would greatly help as well.

Love you for your help, and May God bless and Keep you always.

You won against those Streeter losers by default. Good for you. Streeter never intended to go to court because they don't have a copy of the original contract you signed with the debtor and no records on top of that. Now Streeter has filed another suit, hoping that you won't show this time and they win by default. Show up and win by default again. Nothing is over until one party quits. Be persistent. Now this court is probably sick and tired of dismissing these B.S. lawsuits by Streeter and you need to contact the Attorney General's Office. Streeter simply buys at a discount bad debt and through harassment and intimidation, try to collect in multiples of the original debt. This is illegal and falls under the R.I.C.O. statute of the late 70's. This is the same statute the feds use to bust up organized crime rackets engaged in loansharking and extortion. Trust me, contact the the Texas Attorney General's Office with regards to this issue. My name is Tom and I practice law in the D/FW area. Hope this helps doll.

You won against those Streeter losers by default. Good for you. Streeter never intended to go to court because they don't have a copy of the original contract you signed with the debtor and no records on top of that. Now Streeter has filed another suit, hoping that you won't show this time and they win by default. Show up and win by default again. Nothing is over until one party quits. Be persistent. Now this court is probably sick and tired of dismissing these B.S. lawsuits by Streeter and you need to contact the Attorney General's Office. Streeter simply buys at a discount bad debt and through harassment and intimidation, try to collect in multiples of the original debt. This is illegal and falls under the R.I.C.O. statute of the late 70's. This is the same statute the feds use to bust up organized crime rackets engaged in loansharking and extortion. Trust me, contact the the Texas Attorney General's Office with regards to this issue. My name is Tom and I practice law in the D/FW area. Hope this helps doll.

You won against those Streeter losers by default. Good for you. Streeter never intended to go to court because they don't have a copy of the original contract you signed with the debtor and no records on top of that. Now Streeter has filed another suit, hoping that you won't show this time and they win by default. Show up and win by default again. Nothing is over until one party quits. Be persistent. Now this court is probably sick and tired of dismissing these B.S. lawsuits by Streeter and you need to contact the Attorney General's Office. Streeter simply buys at a discount bad debt and through harassment and intimidation, try to collect in multiples of the original debt. This is illegal and falls under the R.I.C.O. statute of the late 70's. This is the same statute the feds use to bust up organized crime rackets engaged in loansharking and extortion. Trust me, contact the the Texas Attorney General's Office with regards to this issue. My name is Tom and I practice law in the D/FW area. Hope this helps doll.

You won against those Streeter losers by default. Good for you. Streeter never intended to go to court because they don't have a copy of the original contract you signed with the debtor and no records on top of that. Now Streeter has filed another suit, hoping that you won't show this time and they win by default. Show up and win by default again. Nothing is over until one party quits. Be persistent. Now this court is probably sick and tired of dismissing these B.S. lawsuits by Streeter and you need to contact the Attorney General's Office. Streeter simply buys at a discount bad debt and through harassment and intimidation, try to collect in multiples of the original debt. This is illegal and falls under the R.I.C.O. statute of the late 70's. This is the same statute the feds use to bust up organized crime rackets engaged in loansharking and extortion. Trust me, contact the the Texas Attorney General's Office with regards to this issue. My name is Tom and I practice law in the D/FW area. Hope this helps doll.

This is a little late in coming. You stated that 95% of all credit card holders have an 8th grade education.

well when I was in 8th grade I knew wrong from right, but nothing about business, credit cards or money for all that matter, so how can a credit card company give a credit card knownly to a person that would not understand what there getting into, and take enforceable action against them. Does it make you feel smarter to call us all stupid.

Your claim to be a legal aid, be real, you spend more time on here, crying then doing your job.

I worked for a Sheriff office in Florida, civil Div. for a short time, and had to go out to enforce court orders from scumbag lawyers like your boss. That was the worst assignment I had in the 22 years there.

90% of all those enforements were default judgements, and everyone that stood up to the collection attorney, won there case.

Because the lawyer couldn't produce any contract, or anything to hold up in court, you count on default judgements, intimidation and fear to get what you want.

So what you have 40 offices nationwide, collection Lawyers in my opinion are no different, then a drug dealer standing down the block selling dope to make a buck, you both ruin lifes, to make that buck.

Why should any collection agency be able to charge full amount of a debt, with crazy interest and fees when you paid less then pennies on the dollar, More then 3/4 of your debts are more then likely past the SOL, so you put fear into a person to make a token payment to reset them or count on them to not to know there rights or law and get a default judgement because the party your filed suit against doesn't know what a affirmitive defense is.

And it a proven fact that most judges, find pro-se parties a waste of the courts time.

So keep posting on here, to make yourself feel better about your calling in life, so when you look in the mirror, you don't see the real you looking back. I bet your mama and daddy wouldn't be so pround of there son if they know what your really did for a living and how you went about it

This is a little late in coming. You stated that 95% of all credit card holders have an 8th grade education.

well when I was in 8th grade I knew wrong from right, but nothing about business, credit cards or money for all that matter, so how can a credit card company give a credit card knownly to a person that would not understand what there getting into, and take enforceable action against them. Does it make you feel smarter to call us all stupid.

Your claim to be a legal aid, be real, you spend more time on here, crying then doing your job.

I worked for a Sheriff office in Florida, civil Div. for a short time, and had to go out to enforce court orders from scumbag lawyers like your boss. That was the worst assignment I had in the 22 years there.

90% of all those enforements were default judgements, and everyone that stood up to the collection attorney, won there case.

Because the lawyer couldn't produce any contract, or anything to hold up in court, you count on default judgements, intimidation and fear to get what you want.

So what you have 40 offices nationwide, collection Lawyers in my opinion are no different, then a drug dealer standing down the block selling dope to make a buck, you both ruin lifes, to make that buck.

Why should any collection agency be able to charge full amount of a debt, with crazy interest and fees when you paid less then pennies on the dollar, More then 3/4 of your debts are more then likely past the SOL, so you put fear into a person to make a token payment to reset them or count on them to not to know there rights or law and get a default judgement because the party your filed suit against doesn't know what a affirmitive defense is.

And it a proven fact that most judges, find pro-se parties a waste of the courts time.

So keep posting on here, to make yourself feel better about your calling in life, so when you look in the mirror, you don't see the real you looking back. I bet your mama and daddy wouldn't be so pround of there son if they know what your really did for a living and how you went about it

This is a little late in coming. You stated that 95% of all credit card holders have an 8th grade education.

well when I was in 8th grade I knew wrong from right, but nothing about business, credit cards or money for all that matter, so how can a credit card company give a credit card knownly to a person that would not understand what there getting into, and take enforceable action against them. Does it make you feel smarter to call us all stupid.

Your claim to be a legal aid, be real, you spend more time on here, crying then doing your job.

I worked for a Sheriff office in Florida, civil Div. for a short time, and had to go out to enforce court orders from scumbag lawyers like your boss. That was the worst assignment I had in the 22 years there.

90% of all those enforements were default judgements, and everyone that stood up to the collection attorney, won there case.

Because the lawyer couldn't produce any contract, or anything to hold up in court, you count on default judgements, intimidation and fear to get what you want.

So what you have 40 offices nationwide, collection Lawyers in my opinion are no different, then a drug dealer standing down the block selling dope to make a buck, you both ruin lifes, to make that buck.

Why should any collection agency be able to charge full amount of a debt, with crazy interest and fees when you paid less then pennies on the dollar, More then 3/4 of your debts are more then likely past the SOL, so you put fear into a person to make a token payment to reset them or count on them to not to know there rights or law and get a default judgement because the party your filed suit against doesn't know what a affirmitive defense is.

And it a proven fact that most judges, find pro-se parties a waste of the courts time.

So keep posting on here, to make yourself feel better about your calling in life, so when you look in the mirror, you don't see the real you looking back. I bet your mama and daddy wouldn't be so pround of there son if they know what your really did for a living and how you went about it

This is a little late in coming. You stated that 95% of all credit card holders have an 8th grade education.

well when I was in 8th grade I knew wrong from right, but nothing about business, credit cards or money for all that matter, so how can a credit card company give a credit card knownly to a person that would not understand what there getting into, and take enforceable action against them. Does it make you feel smarter to call us all stupid.

Your claim to be a legal aid, be real, you spend more time on here, crying then doing your job.

I worked for a Sheriff office in Florida, civil Div. for a short time, and had to go out to enforce court orders from scumbag lawyers like your boss. That was the worst assignment I had in the 22 years there.

90% of all those enforements were default judgements, and everyone that stood up to the collection attorney, won there case.

Because the lawyer couldn't produce any contract, or anything to hold up in court, you count on default judgements, intimidation and fear to get what you want.

So what you have 40 offices nationwide, collection Lawyers in my opinion are no different, then a drug dealer standing down the block selling dope to make a buck, you both ruin lifes, to make that buck.

Why should any collection agency be able to charge full amount of a debt, with crazy interest and fees when you paid less then pennies on the dollar, More then 3/4 of your debts are more then likely past the SOL, so you put fear into a person to make a token payment to reset them or count on them to not to know there rights or law and get a default judgement because the party your filed suit against doesn't know what a affirmitive defense is.

And it a proven fact that most judges, find pro-se parties a waste of the courts time.

So keep posting on here, to make yourself feel better about your calling in life, so when you look in the mirror, you don't see the real you looking back. I bet your mama and daddy wouldn't be so pround of there son if they know what your really did for a living and how you went about it

This is for Tim of Valparaiso, Indiana, Attorney at Law, if you are out there, I need your help with a couple of questons.
Remember when I got a defendant's default judgement against Sam Street in the case of CACH of Colorado, Verses Me Colene. Well, on November 16, 2006, the court ordered, adjuded and decreeded that the case of $2959, be dismissed due to the want of prosecution.
Now, I was served today from the same attorneys in the same case as before. They say I am being sued, that I can get an attorney and that I have 20 days to have a written answer or a default jedgment may be taken against me.
So, what I want to know since I have the letter from the judge, can they do that, since it was dismissed, ordered and decreed, that that case was dismissed due to want of prosecution?
Your help will be greatly appreciated?
Thanks so much,

Colene

I know these people who try to suck you dry, just to put change in their pockets.
I have the same problems as all of you.
But now a new one has arised.
I have a partner in a small hardware business, that when we started this business, we got a online banking account, so that I could check out what had been deposted into our bank account each day, instead at the end of the month, so Icould keep a better look on the books.

Anyway, we had the bank issue us meaning th estore an debit card for store purchases only. Well, my partner decided that since he owned 60% and me only 40%, could use our debit card to pay his bill any time that he wanted. When I found out by looking on the online banking, thats when I found out that he not only used the debit card for paying his personal business, he also got cash from the atm machine. I was so mad, Icould have choked him. He said that he was the primary owner of the store and could do anything he wanted too. I told him that he could not do this, as it was embezzleing and he could not do so again. He has down it to the point of over $1500.00.

This in a new business could break us.

So what is the legal way for me to get him to stop doing this. How can I stop him? What do I have to do to stop him doing this? He didn't have my permission to use the debit card to pay him personal bills. We both get paid an salary.
Also, I signed an document at the bank for the debit card to be put in the stores name only. He had it put in his name. Isn't that forgery or something to that effect? Your help in this would be greatly appreciated.
Thanks,
C. A. F.

I have not spoken with anyone from the Streeter offices, but my old roomate has received several phone calls asking me to call them back.

I am going to send a letter for cease communications and requesting all information on the said debt I apparently owe them be sent to me. (I am homeless but I have friends who will take my mail.)

However, I am disabled, I have been for several years now, and while I voluntarily came off disability for a couple years, I am currently re-applying for it. I have no job, no money, no home. (However, there is property that apparently was left to me and my sisters after my Parents passed away... can they take that from me?) Is it reccomended that I tell them these things in my letter?

Either way, what happens when they find out I am disabled and unable to pay? My credit is already horrible and I will not be able to fix that for several years, so that is the least of my worries. What worries me, is if they have the right to come back at me if I try to get off disability again sometime in the future. (I have no desire to be disabled and living off the gov't money all my life. I am trying my best to get through this.) And if so, will they be able to charge me more? Also, as stated before, I am worried about this property that I inherited. Can they take it from me?

Your response is eagerly anticipated.

I have just heard from Sam Streeter. My only contact with the office was call to get their number so I can write and tell them I'll be dealing with them by written correspondence only. So I can't be 100% certain, but I'm pretty sure this is about a voluntary repo. We never heard from Capital One, who had financed the car, so we couldn't make payment arrangements with them after they sold it.

The lawyer with whom I spoke had no problems with that. He was even relatively courteous. But then, I hadn't even identified myself. We'll see whether they honor it, but my advice is to call and not ID yourself and ask for that address, telling them why you want it.

I also called CCC and found that, once a car has been taken, the debt becomes unsecured, so consumer credit groups can help you with them.

I think I will just go to credit counseling, but I am also wondering whether maybe I should take some of the other advice here, as well. Robert in Kelleensaid that, in Texas, if a company sells the property for less than it's worth and doesn't accept a settlement offer, they have no leg to stand on in court. Robert, is there a source for that information, where I could look it up in detail? Because right now, even consumer credit counseling payments would be a real strain. My husband was out of work, laid off twice because of personnel cutbacks, for seven months this year. They put our home in foreclosure, and the devil's deal we had to make to keep it pretty much leaves us with nothing to live on. So finding a way to delay paying would be good. In a year or so, we should be able to get the mortage payments down and pay the smaller creditors what we owe.

Melissa,

Time to play hardball. send ANOTHER validation request EXACTLY by the means I described above. This is very important to do it this way as it proves WHAT you sent.

In this letter, clearly mark it as your 2nd request, and also inform them that all verbal communications will cease.

Now, in this validation request, be specific that you demand to see an original contract that you signed, as well as a full account history, and itemization of all charges. Also demand to see proof that they are legally entitled to collect said debt. State if they claim to own it you need to see the purchase contract and proof of payment including amount paid.

Inform them that they MUST provide ALL pof the requested information in a timely manner or face a lawsuit for FDCPA violations as well as a complaint to the Bar Association.

STAY OFF THE PHONE!!

Well, I had a vehicle that the same thing happened with Household and they sold the "debt" off to Sam Streeter. Only difference is that the vehicle sat on my property for 3-4 months after I told them to come get it as a voluntary repo. Then they sold it for way less than what it was worth. They did the same harassing phone calls, and I responded with a certified letter to not call me (and they still did so I reported that).

I had offered a settlement option and they refused it. They tried to file a suit; however, that never went anywhere either as I filed a brief responding to it. I know that I was informed in Texas that if (1) the creditor gets his asset back, (2) sells it for way less, (3) refuses a settlement offer of any kind, that they have no leg to stand on in a civil court. They tried to send me something certified mail and I just told my mail carrier to send it back. These people really do need a life.

Okay, so I should send the Cease thing... I do have a copy of that letter that I have downloaded.
But what do I do now that I sent the certified mail for disputing the account? Do I just wait for a response? I do have the returned receipt from that which came back (unsigned).
Thanks for your help!
Melissa

Melissa,

This is rule #1! NEVER speak to ANY debt collector on the phone!

Upon first contact by any third party debt collector, IMMEDIATELY send a CEASE COMMUNICATIONS request as per your rights under the FDCPA.

Send this by certified mail, return reciept requested. Put the certified # on the letter itself, and keep a copy for your records. This is very important as it proves what you sent and who signed for it.

Now, when they violate. You can get paid.

I have sme of the same issues I have read here and would like to comment adn possibly ask for advise.

I have been called by a "Sam Streeter" collector and received a pleasant exchange from the guy who called me. However, following my questions (regarding the account) to this gentleman, I was told I needed to speak to "his boss". When the "boss" came on the phone (I believe his name was Alex), I was spoken to as if I were a disgusting, horrible person. I was told by him that I had until tomorrow to pay the settlement (of, i believe 1600) when I explained to him I do not have that kind of money sitting around waiting to give to someone, he told me that I would have to pay the entire balance (of 2700 roughly) if I do not call him with the payment the next day.

I told him that I had disputed this debt and that I had received letters from other attorney offices regarding the same account number. He did not respond, he just kept saying, "You are using a stall method, I know all about them". When I told him that I wanted something in writing, He told me "Legally, I have to do it, so I will, but you should know that we are moving forward and that you will be sued." I have yet to see anything in writing.

I sent a certified letter with my comments about the phone call and that I had previously disputed this debt and would like something in writing from the credit card company (Providian, I think). I did receive my return receipt from the certified letter but I still have not heard from them.

I should mention that when I asked the (Alex-guy)to stop threatening me becasue I don;t have 1600 dollars to give him, he said "I am not threatening you and I refuse to do this with you."
He then hung up on me.

Does anybody have any advise as to what I do about this? I realize that these are "scare tactics" but I honestly do not know the validity of this debt.

Wow, this is the most interesting bunch of crap I have read in here in a long time. I, too, have had a lot of heartache with Chase Bank. Although I have never missed a payment to anyone, am always on time, and have always paid more than the minimum to ALL of my creditors, Chase is the ONLY creditor to have raised my interest rate to 29%. And yes, it is perfectly legal for them to do so, and you can thank the Government for allowing this to continue to happen to all of us. A year ago, I vowed to get rid of Chase. I have been banking with them for over 20 years. I closed my credit card account and continued to make payments to them. Every once in awhile I would call Chase and ask them to lower my interest rate - their response was always that I was too high risk. None of my other creditors raised my rates, only scumsucking Chase Bank. Their minimum payment was 50 cents over the interest every month. So at 50 cents of principal paid off every month, can you imagine how long it would take to repay them. Too funny.

Fortunately for me, my good credit finally gave me the opportunity to get a new credit card with zero interest for 6 months, and I have transferred my Chase balance over to that card. Now I am ready to move my checking and savings accounts to another bank and tell Chase to kiss my a*s.

One more thing. I, too, work at a law firm and I have done a lot of research on Sam Streeter. Do you know why attorneys do what Streeter does for a living? BECAUSE NO OTHER LAW FIRM WILL HIRE THEM. They are losers who managed to get through law school with bad grades, but passable, and no law firms will take them on. And if he has worked at other law firms, those firms already fired his pathetic a*s.

Wake up, Jeremiah. Go to work for a reputable law firm. You will make a lot more than $20,000 if you do. Or you can continue to work for a total loser who can't earn a living as any other kind of lawyer. Anyone can have money problems. We are not all people who do not pay their bills and buy big screen tvs. Some have had medical problems and cannot hold the same job they used to have. Some are single mothers who are doing everything they can to put food on the table. Some have to care for elderly parents. You work for a bloodsucker. I feel sorry for you.

Jeremiah,

First of all, there is no reason that a debtor or an accused debtor needs to ever speak to any debt collector. This is always a mistake. Nothing good will ever come of it for the debtor.

Second, the "clients" these firms represent are usually always JUNK DEBT BUYERS who are entitled to NOTHING. They are NOT creditors and do not have the same legal/ethical right to the money as the original creditor did. They pay pennies or less on the dollar for these old debts, that usually will never be deemed collectable in court. They just prey for the default.

JUNK DEBT BUYERS are INVESTORS who manipulate the legal system to get the courts to give them a return on investment! A pretty good scam!

And, it is ILLEGAL to sue for anything over the original debt. Interest and fees are granted by the court on a case by case basis. Federal law does limit the amount of interest that can accrue after charge off. It was 6 or 8 percent, and no late fees, etc. are allowed. That is the whole purpose of the mandatory 180 day charge off, to protect the debtor from excessive interest and fees.

Let's see if I have this right. You have a NON SECURE CREDIT CARD FROM CHASE. You got late in Payments and it just stacked up on you.

First many law firms here in Houston and other areas across the country have a sideline of COLLECTION on CREDIT CARDS, where they can make about 1/4 to 1/2 of the debt owed, for their collection.

FIRST- Let's do some HOME WORK. Always find out if your credit card company has been sued for Criminal Consumer fraud,and or actions against them. If so dispute your whole card. Most federal courts in the last 6 years of more have taken on the credit card companies , and have won for the consumer. I had 4 cards that went through class actions and lost.

Secondly under federal law you DO NOT HAVE TO PAY Any cards if your Disabled or on Disability. That includes SSA and SSD. Check with the SSA department with their 800 number.

Non secure cards means that they can't do anything to you. Most Lawyers doing collections scam people by threats so they can get money and they even send you out forms saying apply for a credit card again but if you read down on the letter its really A COLLECTION . That is a fraud called bait and switch.And also called a Criminal Fraud against the card holder

All my credit cards were all put in dispute the WHOLE CARD when involved in a Federal class action.

Hope this helps

Mark

Well, Jermiah, you said the magic word.
BUGGING me,
You got that part down to a nail.
Your right about one thing, if I could have paid it all in one I most definitely would have, but since I couldn't then I did what I could. But you can rest assure, that when I can afford to pay it, believe me I will.
But until that time, thank you so much for stop hazzling me at work. YOu almost cost me my job, its not much, but at least it does put bread and peanut butter on the table.
That's about what I can afford, sometimes I even get to buy groceries for $50.00 a month. So I guess yuou want that $50.00, sothat will leave me with nothing.
But then thats where you get you laughs, I am so tired of hearing about this that sometimes I feel like if I shoot myself then I won't have to hear from you people at all. At least you can't get money from a corpse.

Joe - Florence, Texas. Okay, to stay out of court you have to attempt to resolve your account. There are a few ways to show that you are attempting to be an honest person who actually had circumstances that were uncontrolable in which caused you to fall off on paying your bill(s). First, let the legal asst. hear your story.I myself try to work with debtors, even more so when there is a believable story that is consistant with the dates we have on the account.
Don't get discouraged, you most likley will not resolve your account on the first call you get, unless you have the funds to settle your account. Second, if you don't have the funds to settle, ask for a payment plan.You may not get approved for one on the first or even third call.Don't give up. Stay in contact with the law office.Try to work with us.

This is very important, if we don't hear from you then we have to believe that you just don't care so we have to move ahead. If you don't call us how do we know that you plan on resolving your debt? 99% of the people in which work here are willing to work with you. Third, there are time limits. If you can't make payments, by contract we have to move forward. It is different from case to case. it all depends on when we were first in contact with you, and when we were hired on the case. Try to resolve your account asap. If you can only pay $100 a month, let us know. Let us know that you just can't do anything else. Also, if your account in way more than it was when you stopped paying, it is due to interest on late fees, at some point the interest will stop if the account is old enough. We try to resolve the account long before that happens, one just because there are just so many case to work on, and two it is just an honorable thing to do.

It is just wrong to wait for the account to charge way up then collect. There is just to many cases to do that anyways. Usually you have 30 days to have a game plan from the time of the law office being hired to come up with a game plan on resolving your account. There are temporary holds that we can place on the acct. if there is a resonable, and believable reason to do so. Last but not least, be honest.

The best way to stay out of court is to talk ti us besides pay your debt, but I guess if you could pay your debt you wouldn't have us bugging you...Just talk to us.

Jeremiah - Houston, Texas

You're suppose to help us figure an easier way to avoid being sued.

We are know about paying are bills, we need inside help in avoiding lawsuits, judgements, and liens. Help the few good debtors out there. That try to pay there bills.

Jeremiah - Houston, Texas

You're suppose to help us figure an easier way to avoid being sued.

We are know about paying are bills, we need inside help in avoiding lawsuits, judgements, and liens. Help the few good debtors out there. That try to pay there bills.

I guess this has become more of a argument than anything. My actual reason for ever commenting on anything was to show that the law office of Sam W. Streeter is not a "rip off". My intentions were not to get in some kind of childish, name calling, argument. The simple fact that this law office is on rip off is really stupid. What we do is legal, if anyone would loan you money, would you not go to what ever means to get your money back? The answer is yes! There is no dening it! So what is really the big deal? It just seems to me that most people think just because you work for a collection agency or a law firm that represents a collection agency, we are "scum of the earth". I have to put food on the table just like everyone else! What right does anyone have to tell me I'm a bad person for choosing this profession? The answer is, NO ONE! So anyone who wants to try to belittle me needs to examine thereself. If I have offended anyone, so be it. This was never my intentions but the truth hurts sometimes! I have never harrased a debtor, neither have I called anyone who I haven't been able to work out an option to resolve an account, in which the debtor was willing to actually listen to me. Colene, yes there are some people in this profession that are bad people, but there are also horrible people in your line of work too. That doesn't give me the right to call you scum of the earth, now does it!? One thing I know Colene, you will give me common respect! I have not disrespected you in any way. I just told the truth. If you want to bring God into all of this, which is fine, the Bible said that you are not to be in debt to any man. But as it is you are. Ok, beyond that, it really doesn't matter. I am just a normal man in a industry you don't like because they have you in a corner. You may have been talked to really bad by someone here at this law office. I'm not calling you a liar. Who was it? Do you even know a name? You should if you plan on turnig anyone in. You should have them on recording too. With out them on recording, you are fighting a battle you will never win. You can bet one thing, this law office is well aware of your plans so if you call trying to trap anyone here, you won't win. Maybe you should just try t work out you issue with this law office to keep yourself from any suit or whatever. Of course you won't, but that is on you. What ever treatment you received here is not my fault and I promis you is not how anyone here is suppost to codict themselves. I am not representing the law firm in any of my comments here on "rip off", I am here as Jeremiah, who just happens to be an employee at the law office of Sam Streeter. Good luck on you battle and God bless you. I hope you have a Merry Christmas, and a happy new year.

Jeremiah

If you go to (( webiste removed by ROR))and look up on the internet there are several CLASS action lawsuits against not only CHASE but other bank cards for fraud and HIGH finance charges. You can always DISPUTE the whole card, and to the attorney that is trying to be the big shot here, You have to realize you can be sued too as well,IN CIVIL COURT FOR BEING PART OF THE FRAUD against the Consumer for not doing your job. Your a collection Person trying to make money. And another thing you CAN'T TAKE ANY FUNDS AT ALL FROM DISABILITY CHECKS if people are disabled and that is federal Law.

CHASE and other cards are now in court and have also LOST previous multiple class action lawsuits and were found guilty of fraud and also Criminal Consumer fraud by not doing their jobs in letting people know about ongoing lawsuits and just forwarding files to be collected upon.

RIP OFFS.

MARK

If you go to (( webiste removed by ROR))and look up on the internet there are several CLASS action lawsuits against not only CHASE but other bank cards for fraud and HIGH finance charges. You can always DISPUTE the whole card, and to the attorney that is trying to be the big shot here, You have to realize you can be sued too as well,IN CIVIL COURT FOR BEING PART OF THE FRAUD against the Consumer for not doing your job. Your a collection Person trying to make money. And another thing you CAN'T TAKE ANY FUNDS AT ALL FROM DISABILITY CHECKS if people are disabled and that is federal Law.

CHASE and other cards are now in court and have also LOST previous multiple class action lawsuits and were found guilty of fraud and also Criminal Consumer fraud by not doing their jobs in letting people know about ongoing lawsuits and just forwarding files to be collected upon.

RIP OFFS.

MARK

If you go to (( webiste removed by ROR))and look up on the internet there are several CLASS action lawsuits against not only CHASE but other bank cards for fraud and HIGH finance charges. You can always DISPUTE the whole card, and to the attorney that is trying to be the big shot here, You have to realize you can be sued too as well,IN CIVIL COURT FOR BEING PART OF THE FRAUD against the Consumer for not doing your job. Your a collection Person trying to make money. And another thing you CAN'T TAKE ANY FUNDS AT ALL FROM DISABILITY CHECKS if people are disabled and that is federal Law.

CHASE and other cards are now in court and have also LOST previous multiple class action lawsuits and were found guilty of fraud and also Criminal Consumer fraud by not doing their jobs in letting people know about ongoing lawsuits and just forwarding files to be collected upon.

RIP OFFS.

MARK

If you go to (( webiste removed by ROR))and look up on the internet there are several CLASS action lawsuits against not only CHASE but other bank cards for fraud and HIGH finance charges. You can always DISPUTE the whole card, and to the attorney that is trying to be the big shot here, You have to realize you can be sued too as well,IN CIVIL COURT FOR BEING PART OF THE FRAUD against the Consumer for not doing your job. Your a collection Person trying to make money. And another thing you CAN'T TAKE ANY FUNDS AT ALL FROM DISABILITY CHECKS if people are disabled and that is federal Law.

CHASE and other cards are now in court and have also LOST previous multiple class action lawsuits and were found guilty of fraud and also Criminal Consumer fraud by not doing their jobs in letting people know about ongoing lawsuits and just forwarding files to be collected upon.

RIP OFFS.

MARK

Boy, oh boy, have you got nerve.
Let me see now, you work for a respectable firm, called Streeter, am I correct in this?
Since you work for the respectable firm, you have called me(SMALL MINDED, IGNORANT, INSANE, GONE OFF THE DEEP END, I NEED TO WAKE UP) just to name a few.

No repectable firm has anyoe working for them that say to that person in a public place the things that you have called me.

You also stated that ( JUDGE NOT LEST YE BE JUDGED YOURSELF). Try living up to what you just said, because have judged me. You also said( YOU THINK GOD RESPECTS THAT), how do you know what God does or not do? I don't think he told you to be judge, jury on anyone, therefore you do not know what he does or doesn't do.
No, I will not put myself in your shoes, because I don't respect the one that is in them now, so why should I put myself in such a place?
Who, are you that says don't judge, when you repeated that you see may so called dead beats, shame on your for calling anyone that. Why if I didn't know better, I would think that you would be snow white.

You say that you (understand that there are circumstances in life that happen in which causes people to get in debt). I don't think you understand why this happens. But then I don't care whether you understand or not.
I don't think I would have liked dealing with you or anyone that I have dealt with there at streeters.

By the way, you mentioned that (GOD DOES NOT HONOR PEOPLE LIKE YOU). I guess being a christian, makes you the kind of person that God has called to tell people that he doesn't honor people like myself. What a hyprocite you are! God, doesn't tell people like you and me to tell other people whether or not he does or does not honor them. Shame on you for using God.
By the way, I don't think I gave you permission to use my christian name. Therefore, when you address me, please use my last name.

A good honest person that uses GOD to back him up saying that GOD, doesn't respect people like me.
You said that since that law office is so corrupt turn you in, well guess what I DID.
I do apoligize for calling you names, when in fact I really do not know you.I shouldn't have said some of the things about you, when I do not or want to know you.
But since I am responding to what you have said about me, I think the best thing I can say right now, is have a Merry Christmas and a Happy New Year.

Ok, I'm just going to set the record straight here. I make $20,000 a year, I bust my back to pay my bills! I am a law abiding citizen, and I am a good honest person. Your issue with whom ever you delt with here is a false assumtion that everone here is a bad person. You have no right to call me a thing. You don't know me, you just assume that be cause you had a bad expierence with one or two people here, EVERONE is a bad here.

Thank God that people with small minds like you don't choose my profession for me. For you to claim that I lied to you is the most ignorant thing I've ever heard!!!!! I have never spoke a word to you. Are you insane? Have you gone so far off the deep end that only God can help you? You claim that I live in the depths of hell? I am a decent Christian man. Colene - Littlefield, you need to wake up! God does not honor people like you.

What I mean is that you judged me without knowing me. You think God respects that? Judge not least ye be judged yourself! You spout off at the mouth and call me an idiot? Get real, if you only make $12,500.00 a year, then it is your fault for getting into this situation. You can't judge me and say I'm a liar, etc... If you stood in my shoes for one day, you would see how many actual dead beats there really are. I've heard every story and lie in the book. Most people do lie about not being able to make some kind of restitution on thier debt. I'm not saying you, but you tell me how I can tell the differnce. I look at peoples credit report and what they say is different from the truth.

When I see a store credit card that a debtor has and is paying it but can go out and by big screen tvs and what not, what am I to think? Put yourself in my shoes Colene, what do you think you would say? If this law office is so corrupt, turn us in! One thing I know is that I, and most of my co-workes follow the law. I am a person that tries to work with debtors, when I get off the phone with debtors, I get thank yous from people for working with them. So next time you get man Colene, don't open your mouth before you think! Calling the kettle black? You more or less called the white snow green. Either way, I'm sorry you have not had good dealings with this law office. Manage your money better next time and you won't have to worry about getting sued.

I do understand that there are circumstances in life that happen in which cause people to get in debt. If you would have delt with me, you would not be on this site ranting and raving. This I know for a fact

I do hope for your sake what goes around does not come around to you, if so, you'd better duck!! Things happen, people don't wake up one day and say "I'm not going to pay my bills anymore". Health, disability, unemployment, loss of spouse, the list is endless.

While I appreciate you're addressing the fact that each and every one of of sign a contract to pay back monies, tragic, very tragic and uncontrollable things come along that non of us have any control over, even a collection agency. So for the true dead beats, go get em just remember (and pehaps even share with your company) there are many "broken" people out there that have surrendered to circumstance and believe me to the good people out there that honestly want to pay their bill; this is no easy task for them.

So perhaps putting everyone in the same pot, "just a bunch of loosers that don't pay their bills" is a bit harsh of you. In closing, the universe has a very strong law of return so be careful because you WILL find yourself in this "pot" someday. I Promise! Not revenge, just a warning from the laws of the universe. Play nice, play fair, most people do want to do the honorable thing at the end of the day.

Your right about calling the kettle black. I call it like Isee it. You asked why you can pay your bills and some of us can't!

Let me ask you a very personal question. How much mone do you make a year? Tell me that! If you dare.

I am a bookkeeping in a small town that still believes in paying wages from the slave days. I bet you make more than $20,000.00 a year, or how about more than $17,000.00 a year or how about more than $12,500.00 a year. I bet the figures that I stated above are a drop in the bucket to yours. You called all of us idiots, well let me tell you this you strumped up stuffed person, I would much rather make the small about that I do than have to have a job using people the way yall do. I would rather be stupid and dumb than be an stuff bag of bull cr.....p that you are. I despised people like yourselve that pretend to like people just to use them anyway that you can to get whatever you can any way that you can. Your must worse than low life. At least low life people are human, which I am sure your not.

Most people like myself know that they still owe to money. I like most people don't have a dime to sit on much less pay out the nose for something like people like yourself or should I say the people to whom you work for.
I don't give a hoot what you say, but remember this, I won't stand anymore for your threating phone calls, or the calls that you constantly are doing by calling me at work. You have harassed me to death on this, you WILL NOT, call me at work again.

You and the rest of the people at the streeters office, not only lied to me, but made me feel like I was something that you stepped on and they had to rub it off of the bottom of your shoes. Let me tell you this. No one and I mean no one treats people like you people do, I have seem people treat their dogs better than the people at streeters.

I use to look up to lawyers that use to help people with their problems, not use what ever means that they could find to lower people under your boot. You people are despicable. You don't even deserve to talk to good people like Tim, or anyone else here. You are like the scum on the bottom of a pond. You breath filth and live by it I am most sure. God, said that I had to love you and he didn't say I had to like your ways. Your ways are from the depths of hell where I am sure that you live.

Its really sad that most lawyers such a the company that you work for have gone to such extremes to make a buck. I pray for your soul, even though I would hate to admit satan probably already has.

I love you guys who seem to think you know it all. If we are idiots, how come I can pay my bills but you can't? This law firm is 40 firms strong nation wide. Huh...Idiots? Is you only rebuttal to call people names? I stand by what I said! YOU PEOPLE DON'T KNOW WHAT YOU ARE TALKING ABOUT!!!!

First of all, I'm not a lawyer. I never claimed to be one, I am just an employee at the law office of Sam Streeter. Why would we sue the poor? First of all, the creditor didn't discriminate against you, you were given credit in good faith that you would pay back the money with interest. You signed the contract so you are responsible for your debt. You ask why we would sue the poor? It only takes a little common sence to figure it out. You owe money. The attory has the right to add his expences on top of the account. It does not matter if the acct. was sold.

You are responsible for it all, 90% of the time. Read you loan or credit card contract. It is in easy to understand terms. The whole point is that if you pay your bills, you won't hear from me.

And to the atty., law differs from state to state.
Only five states in the U.S. will not garnish your wages for debts.In any state they can put leans on your property. 95% of the U.S. is creditor friendly. If you actually think you properly addressed my comments, you are wrong. I read all of the comments, just like you people I said what I wanted to say. I commented on what I wanted to comment on. Did you know that 98% of debtors have only an 8th grade education? I just responded to that 98%. Like it or not, this is true. When I call most people, they usually think they are free from their debt just because the acct. was sold, or was charged off. This is far from true. So when you try to agrue with me about law and what not, you really don't know what you are talking about. What law do you practice? In what state? I will bet you a million dollars I know more about what laws apply in what state, and I'm not even an attorny. Rebutte that!

Thanks for the Kudos, Colene. It's my pleasure to help, and to actually put my knowledge to good use every now and then.

Collecting debts works on the principal of fear of the unknown.

And, nuisance. Plus, some guilt thrown in there, just for good measure.

You get behind on a few payments. What do they do?

Call you up and make you feel guilty. For a lot of people, that's all it takes.

If you still don't pay, the collectors move onto phase 2. Make themselves a nuisance by calling night and day and putting your name and how much you owe on the side of a blimp. That way, all your neighbors find out that you're a deadbeat.

After that happens, you go down to the payday store and get the money that you owe.

If you still don't pay up, it's time to threaten you with a lawsuit. A mean-spirited lawyer on the phone. Talkin' all legal on your a*s.

Oh, man! That's scares people bad. They pay up.

If you still don't pay, the court summons comes in the mail. Now, the people are really scared. Now, it's down to the hock shop and unload anything that's not bolted down.

If you still refuse to pay, the court will enter a judgment against you. Now, you're really in deep trouble. Tim's right. This is the final chance. Pay up, or else.

By this time, I am the only one left who hasn't paid my bill. Everyone else has done whatever it took to beg, borrow, or steal the money to pay their bills.

I'm the only one left. I always let stuff go to execution.

Execution is when they come out to your house and sell your stuff. Of course, the lawyers have to pay a bunch of extra court costs to get to that point.

I pay nothing the whole time. I sit back and watch deal or no deal. For me, I always choose no-deal, Howie.

In the end, if they finally come out to my house, I show them what to take. That rusty lawnmower is mine. You can have that. Take that pickup truck too. The junkyard doesn't want it, cause I got no title for it.

But, the sheriff isn't a junkman. He ain't gonna take none of this trash away. He goes back to the courthouse and reports that the defendant doesn't have anything of value.

By this time, I'm watching another episode of deal or no deal, with a new contestant. Naturally, I still don't ever take any of the deals.

What happens if you never pay up? Nothing. Well, you get free stuff. For a limited amount of time, anyway. They put all these no-pay stories on your credit report and after that, nobody gives you credit anymore.

Gee, you mean that I won't be able to get a super-duper extra-platinum brandy-new credit card and end up paying double on everything that I buy?

Oh my god, what WILL I do? Probably have to start paying cash again. Of course, the pile of cash is a mile high, because all that money that should have gone to bills stayed right here in my right-a*s pocket. So, paying cash won't be any problem at all.

That's what happens if you refuse to pay your bills. There. Now, you know.

Don't do it a lot, or else the economy will collapse because everybody takes stuff and never pays for it.

By the way, when the lawyer tells you that the police are on the way to strip-search you and put you in jail, it's a lie.

If they say that they will be garnishing next week's wages, that's a lie too.

Fear of the unknown, remember?

I like Tim the real Lawyer, agree that if you had read all that was written, you wouldn't have said what you did say.
Thanks Tim, your a good man, one that I took advice from and used that advice.
You have been a great help and I thank you from the bottom of my heart.
Its people like yourself that make life here a little more bearable when we have to deal with people just as the streeter bunch.
Thanks again,
Colene

In regards to them actually filing lawsuits, business sense dicates going ahead and doing it if the likely recovery exceeds the costs associated with the suit.

Many debtors will go ahead and pay up as soon as they get the court notice. And many more, even those without any non-exempt assets or income, will pay up shortly after the judgment.

The cost of taking a claim to a court hearing runs at about $200. The filing fee is usually somewhere between $50 and $100, and the attorney will bill somehwhere in the same range. If the amount of the debt multiplied by the probability of collecting it exceeds $200, it makes economic sense to take the debtor to court, regardless of whether the actually has the non-exempt resources to pay the judgment.

If you actually did get sued, trust me, these are like the dumbest attorneys going!

Who sues the dead broke? What can you get from them? They have nothing at all to take away?

So, what do you get? A judgment? What the hell is that worth?

There's no money to be made in taking the poor to court. If these Streeter idiots don't wise up and see that, they'll end up living on the streeter.

The only time you take someone to court is if they have some assets. A trust fund. A brokerage account. A checking account with some money in it.

Wait a minute. These idiots aren't lawyers. Read the comment that the fool wrote.

?Occure? instead of occur.

?Lean? instead of lien.

This jackass is no lawyer. Chances are, he spend his day shoveling s**t on the cattle farm. Have you ever seen a lawyer that can't spell the word ?lien??

I haven't.

Blow this fool and his phony firm off. You have to be out of your mind if you ever send them one dime. They're complete idiots!

Jeremiah, you began your rebuttal with "you don't know what you're talking about." I therefore presumed that you had some information that would contradict something that somebody stated previously. Actually, by the tone of the title, I assumed you were going to contradict EVERYTHING we've been saying.

But when it came down to it, you didn't really contradict a single thing that has been said thus far.

Nobody asserted that there was some magical means to make the debt go away; I admitted that I wasn't sure about whether the interest would continue to accrue; and so on in regards to each of your statements.

And by the way, I am an attorney, and I know d**n well what I'm talking about. In fact, why don't you go back and show me where I made an unqualified, inaccurate statement of the law. I'm sure you'll have no problem with that task, and I await my upcoming lesson in the law.

The fact that you thought you were going to say something different than what the rest of us were saying, and that you had the audacity to tell us that we don't know what we're talking about while lacking an actual opposing opinion, tells me that you didn't even take the time to read the report or the rebuttals. You saw a complaint against your company and decided that you could surmise as to its content and the content of the ensuing rebuttals without actually reading them.

Next time, read the report and the existing rebuttals first. Don't tell people that they don't know what they're talking about when you don't even know what's been said.

First of all, I am an employee at the Law Office Of Sam Streeter. Second, you people are silly. The law office of Sam Streeter gives several chances to resolve debts. Yes, circumstances occure that cause you to violate your contract with your credit card or auto loan. This does not mean you are free from this debt.

Here are a few tips when you deal with debt collectors calling you. 1: talk to them, there are a few options to resolve your debt. If you talk to them, it doesn't mean you have to pay anything, you solve nothing when you avoid talking to them. Ask about your options, in some cases you can settle for les than what you owe. If you never had this debt, it is fraud, let the law office know. We tell you what to do to in order to stop suit.

2: if you payed your bills in the first place, you wouldn't have to worry about the law office calling you. It is the right of the law office to contact you, your nieghbors, or relatives with in the guide lines of the Fair Debt Collection Practices Act. You can't do anything about it unless you mail or fax a written request for it to stop. This does not mean you are free and clear of your debt, it only means we will not contact you by phone anymore.

3:If you think that just because your account was charged off or sold that interest will stop, your wrong. Your signed a contract with the credit card company or who ever, the contract was bought as well as the debt.

4: in some cases, the law office does represent the original creditor, in most cases the debt and contract was purchased by a collection company and they are the ones that retain the law office. If you don't pay, you get a judgement on you and in some states your wages are garnished or leans are put on your home and/or personal property. You can't hide from us either, we have tools to find you just like any debt collection agency.

In summaries end, pay your bills and you won't have to worry about getting sued for breach of contract. And remember, a judgement on your credit report is the worst this ever concerning your credit.

Woohoo Colene! You got a defendant's default judgment, and you certainly don't see those every day.

But this is exactly why I tell people to NEVER just skip court dates, even if you don't dispute the claim.

Now, go forth and press those FDCPA claims. You may find that lawyers are more sympathetic to your plight when you tell them that you're dealing with a claim that allows for attorney's fees.

If calling law offices and the abr association is getting you nowhere, try writing letters to the managing partners at some firms in your area. You may be stuck at the receptionist level right now, and of course the receptionist is going to tell you that you'll need a retainer.

But the managing partner knows that his firm has to fulfill its pro bono obligations, and will be keen to take a case that, on the one hand, could provide for fees and, on the other hand, could count towards pro bono requirements.

All of you know that I was to go to court today.Yes, I went to court. I was prepared to ask the judge to give me more time to find an attorney an that I thought that I have to contact the FDCPA to file charges against them and that I needed an attorney to take up these issues for me.

Well, anyway I got there on time, in fact a little early. My husband came with me. So at the proper time, we went into the courtroom. We waited and then the judge came in. The judge said that we would wait for 10 minutes for the attorney to come in. So we waited and waited.

Well, after 10 minutes, the judge said and was writting on a pad. He said my name and wrote it down that I had arrived on time and the attorney did not appear. Therefore, he declared that the judgement brought forth by that attorney is dismissed.

I know alot of people out there don't believe in God. But gosh, I do, he has been by my side through my life an has brought me back from death more than once. I don't know why this attorney didn't show up but I am grateful for the fact. I thanked God for his help and praised his name.

One down and what is to come is to come. But I am still going to get an attorney somewhere to file charges against this attorney Sam Streeter of Houston, Texas of the FDCPA. Thanks for all of your help. Without you, Idon't think I would have gotten this far.

Thanks,
Colene

Colene,
I am in the same boat that you are in, being sued by a bunch of lowlife debt collection attorneys on behalf of a finance company who I defaulted on a loan with after I was out of work for too long. My attorney also wanted too much money up front in order to defend me, and I was recently told by another firm (and I quote): "At this point in your litigation there is nothing we can do for you". Well, **** you VERY much.

Let's face it, in this country it's the difference between the have-and the have-nots, and people like us don't have a chance in HELL. As a result, I have been forced to deal with this lawsuit Pro Se (do it yourself)and will be filing a Debt Settlement Offer and Financial Statement with the Court tomorrow. My family thinks I shouldn't pay them a dime, but the alternative would be having them garnish up to 25% of my weekly salary for the rest of my working life. They have me RIGHT where they want me (as Sam Streeter has you), and they KNOW it.

I wish I had a solution for both of our situations, but I don't. As for me, I just want to put this all behind me and move on. Hopefully tomorrow will be a start.

I wish you the best of luck.

Colene,
I am in the same boat that you are in, being sued by a bunch of lowlife debt collection attorneys on behalf of a finance company who I defaulted on a loan with after I was out of work for too long. My attorney also wanted too much money up front in order to defend me, and I was recently told by another firm (and I quote): "At this point in your litigation there is nothing we can do for you". Well, **** you VERY much.

Let's face it, in this country it's the difference between the have-and the have-nots, and people like us don't have a chance in HELL. As a result, I have been forced to deal with this lawsuit Pro Se (do it yourself)and will be filing a Debt Settlement Offer and Financial Statement with the Court tomorrow. My family thinks I shouldn't pay them a dime, but the alternative would be having them garnish up to 25% of my weekly salary for the rest of my working life. They have me RIGHT where they want me (as Sam Streeter has you), and they KNOW it.

I wish I had a solution for both of our situations, but I don't. As for me, I just want to put this all behind me and move on. Hopefully tomorrow will be a start.

I wish you the best of luck.

Colene,
I am in the same boat that you are in, being sued by a bunch of lowlife debt collection attorneys on behalf of a finance company who I defaulted on a loan with after I was out of work for too long. My attorney also wanted too much money up front in order to defend me, and I was recently told by another firm (and I quote): "At this point in your litigation there is nothing we can do for you". Well, **** you VERY much.

Let's face it, in this country it's the difference between the have-and the have-nots, and people like us don't have a chance in HELL. As a result, I have been forced to deal with this lawsuit Pro Se (do it yourself)and will be filing a Debt Settlement Offer and Financial Statement with the Court tomorrow. My family thinks I shouldn't pay them a dime, but the alternative would be having them garnish up to 25% of my weekly salary for the rest of my working life. They have me RIGHT where they want me (as Sam Streeter has you), and they KNOW it.

I wish I had a solution for both of our situations, but I don't. As for me, I just want to put this all behind me and move on. Hopefully tomorrow will be a start.

I wish you the best of luck.

Colene,
I am in the same boat that you are in, being sued by a bunch of lowlife debt collection attorneys on behalf of a finance company who I defaulted on a loan with after I was out of work for too long. My attorney also wanted too much money up front in order to defend me, and I was recently told by another firm (and I quote): "At this point in your litigation there is nothing we can do for you". Well, **** you VERY much.

Let's face it, in this country it's the difference between the have-and the have-nots, and people like us don't have a chance in HELL. As a result, I have been forced to deal with this lawsuit Pro Se (do it yourself)and will be filing a Debt Settlement Offer and Financial Statement with the Court tomorrow. My family thinks I shouldn't pay them a dime, but the alternative would be having them garnish up to 25% of my weekly salary for the rest of my working life. They have me RIGHT where they want me (as Sam Streeter has you), and they KNOW it.

I wish I had a solution for both of our situations, but I don't. As for me, I just want to put this all behind me and move on. Hopefully tomorrow will be a start.

I wish you the best of luck.

Hello,
This is Colene again. I have been looking again for an attorney. I keep getting the same old thing. I don't have the money up front, so look some where else.
Ok, so where do I look for an attorney in my area?
I looked up the FDCPA, that is a really cool site. I didn't even know that it existed. Gosh, 804, 805 is really what they have been doing to me.
So I need someone here to help me find an attorney to help me with this problem.
Your help is greatly appreciated. Thanks,
Colene

I have pretty much the same issue. I had a 600 dollar charge off and now I have an attorney trying to collect and the bill is now over 4 grand. I filed a slow-pay motion with the court that has jurisdiction. I showed that I am a broke d**k and can't afford to pay large sums. This does a couple things: (1) stops interest and fees (2) gets the b**tard off my back (3) stops any future wage garnishment. I pay about 20 bucks a month to the courts and they forward it to the attorney. Really pissed the attorney off but oh well. I'm not losing sleep over it. Anyway, file a slow-pay your county clerk. H**l, if nothing else chapter 7 bankruptcy so they get nothing. Someone made a good suggestion by telling you to seek legal advice through the state bar. Cheers!!

Hi Colene,

The Fair Debt Collection Practices Act is what FDCPA stands for. You can read it here:

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

If you have any more questions post them. I know Tim from Valpo and Steve from Bradenton can help you.

Your help is so appreciated. You just don't know how much you have helped me. Yes, I will get in touch with the local bar association to help me find an attorney.

I have asked the attorneys here for help, but they have refused, saying that I need to pay at least $1,000.00 up front for their help.
So needless to say, I don't have that kind of money.

What happened to the lawyers that use to help people when they needed it, now days it seems like they are out for the money and forget about the the truth.
What a shame!


Now I need to know what does FDCPA stand for? You got me there, I thought for a minute that it stood for Federal Department of Certificied Public Accounts, but I don't think so. So if you would be so kind as to let me know what it really stands for I would be greatful.
Thanks,

Colene,

It sounds like you may have some solid defenses as to the amount of the debt they are claiming. Aside from the allowable interest, which I believe ceases to accrue when the debt is charged off (I could be wrong), you should owe ony those fees reasonably connected with the collection of the debt.

This means that the person collecting the debt has a duty to keep those fees as low as is reasonably possible. 3 grand seems a bit steep. Most of the cases I see only ask for between $200 and $500, and usually that is a bit above "reasonable" for what usually amounts to a couple hours of work.

You may also have a solid FDCPA claim. If they were calling you at work when they could have easily contacted you at home, this is a violation. If they are calling multiple times in the same day, this is a violation of a different law, and possibly of the FDCPA itself.

You really need to get yourself a lawyer. The issues presented by your case are far too complicated for you to deal with on your own.

Also, the FDCPA claims could bring you in some money, as the Act allows for damages of up to $1000 per violation, and also allows for a judgment forcing the other side to pay your attorney's fees. Your potential FDCPA claims could possibly offset any money that you may owe on the debt, as well as pay for your lawyer.

If you end up having to go to the hearing without an attorney, ask the judge for more time to find yourself a lawyer. Tell him that you dispute the amount of the debt and that you may have FDCPA claims against the collector, and that you need a lawyer to deal with these issues. Hopefully, the judge will be sympathetic to your plight.

In the meantime, contact your local bar association for help in finding a lawyer.

I had an credit card from a bank, I paid on it until my mother got really sick and then had to give up paying on it, as it just about took all my funds to keep her here at home and take care of her. The bank, charged me off as a bad debt, then about 1 1/2 - 2 years later, I started getting letters form Sam Streeter, Attorney at law, saying that I owed the bank this money. Which I knew, but the later on they meaning at least 3-4 times a day they would call me at work, each and every day, to harrass me to paying them. I asked them if they had purchased this note after it had been charged off, they replied that they had. My co-worker told them after they had called me repleatly that I could not accept personal phone calls at work. So I started getting letters from them at least a couple times a month or more.

Was this a charge off of a credit card account or a bank account?

Does the $3050 they're claiming represent attorney's fees?

The amount that you owe independent of legal fees will depend on whether this is a credit card or bank account. If you can give me that info, I can try to help you a bit.

As for the attorney's fees, there are a couple of controlling laws. The first is that there is a requirement that attorney fees be reasonable. This one probably won't help you too much (believe it or not).

The second relevant legal principle is that the plaintiff is required to "mitigate his damages." You would basically be arguing that the humongous lawyer fees represent a failure of Chase, or the subsequent debt holder, to keep their losses as low as possible.

Fill us in a little more and I'll see what kind of info I can give you.

Of course, the best advice is for you to get a lawyer.