West Asset Management - Hoag Hospital Debt West Asset Management is calling me several times a day w/a computer to my cell. Penalty for calling cell phones with a computer, by law, is $500.00/call. They admited they use an IVR system to contact people. I was told it was OK 'by the rep' to tape the call. It's all recorded. Incomming calls all documented Sherman Texas

I work at Hoag & they use an outside company to handle ALL of their bills. There is no one there on staff who can help you.

i dont know where your husband works but it wasnt difficult to get a job there...its dealing with the micro managing...like the boss in communcations or the security manager....or registration...or radiology scheduling...Hoag would be excellent if they quit micromanagement & hired amazing bosses they have for the clinical areas.

Here is the web site for filing an electronic complaint for debt collector's harassment.

https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en#last

Here is the web site for filing an electronic complaint for debt collector's harassment.

https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en#last

I love Hoag Hospital. My husbands an employee there & we have health insurance through them. Call Hoag & get it straightened out. They have very,very nice people working there who go through a LONG process to get hired there. Good Luck :)

If you want, you can send a cease and desist letter to the company. This will stop any and all calls made to you on any phone number. If you're disputing the charges, you'll have to take that up with the original creditor or the company the debt was originally owed to. If the collections agency doesn't know it's a cell phone number (ie: if you don't tell them it's a cell and to remove it, they do not have your permission to contact that number) they are no liable for making the call, computer or not. Until you specifically tell them it's a cell phone and they are not to call you on tha number, they reserve the right to contact that phone.

Is this debt owed to Hoag Hospital for medical care? You mentioned that you have insurance. Most hospitals/doctors have contracts with the insurance companies in which the insurance company "allows" a certain amount for the procedures performed. They pay according to this allowable amount and it is against the contract for the hospital/doctor to bill the patient for the amount that was not allowed by the insurance company. I believe this applies to Medicare/Medicaid in some circumstances, also.

To all those who questioned the disability issue: If you are on social security disability, you can make a certain amount of income and still receive disability. If it is a state workers' comp type program, the state will work with the person to try to enable them to regain some income. Depending on the type of disability a person is on, you can work and receive income.

As a retired nurse, I know that many receive disability when they are fully able to work. However, many people who have had illness or injury who can do some type of work are not physically able to sustain the income they once could. They fall behind on their bills while trying to provide for their daily needs, which are ever rising in cost.

There are rules that debt collectors are to follow. The computer calls to cell phones issue is one with merit. You can read about the rules on certain government web sites (FDIC, FTC). Don't let them bully you! Even if you do owe a debt, you still have protection from harassment. Be informed!

George-

I do sympathize with you and your situation.

I do not know why Hoag hospital sent your account to collections when you were making good-faith payments to them every month. As bad as it sounds, sometimes even though someone is making their monthly payments an account will still be transferred to collections once it surpasses a certain time frame. I am fairly certain this is primarily only a problem occuring with medical bills.

This however is still not a reason not to pay West Asset Management. I don't care what some people say if they don't work for a certain company then they don't know certain things about that company. The money that West Asset Management collects goes to Hoag hospital. I am sorry that Hoag hospital sent your account to us but why not set up the same arrangements that you set up with Hoag? It does not sound to me like you are doing as some people do and just attempting to get out of paying entirely... At least not at first anyways. Seems as if this would solve sevaral problems that you are currently experiencing. Just some food for thought.

Why can't we all just get along? Is the name calling really necessary? Does it add anything of value to the discussion? Should it be our task to "[get] deep under [someone's] skin"? Shouldn't we focus on answering the troubled consumer's question instead of personally attacking each other? Don't get mad...don't get paid... be professional.

Why can't we all just get along? Is the name calling really necessary? Does it add anything of value to the discussion? Should it be our task to "[get] deep under [someone's] skin"? Shouldn't we focus on answering the troubled consumer's question instead of personally attacking each other? Don't get mad...don't get paid... be professional.

Why can't we all just get along? Is the name calling really necessary? Does it add anything of value to the discussion? Should it be our task to "[get] deep under [someone's] skin"? Shouldn't we focus on answering the troubled consumer's question instead of personally attacking each other? Don't get mad...don't get paid... be professional.

Why can't we all just get along? Is the name calling really necessary? Does it add anything of value to the discussion? Should it be our task to "[get] deep under [someone's] skin"? Shouldn't we focus on answering the troubled consumer's question instead of personally attacking each other? Don't get mad...don't get paid... be professional.

I just love when a crackhead collector wants to get "tough". This just proves I got deep under this crackhead's skin. That is my goal, so I accomplished that. The more time this crackhead spends here, the less time he can spend harassing people on the phone. Mission accomplished.

I verified my information with both public records and budhibbs.com on the affiliation between West Asset Management and Worldwide Asset Purchasing LLC .
I did not just assume they were related because they both had "asset" in the name as you the crackhead suggested. Why would you even make such a moronic assumption.

Here is the info again, which Bud Hibbs got from public records:

Worldwide Asset Purchasing LLC
aka/West Asset Management Inc.
(With multiple subsidiaries using the WWAP)

2 Ravina Drive, #1750
Atlanta, Georgia 30308

Phone: 888-211-7488
866-252-9271
Fax: 770-618-2233

Head Debt Collectors:

Frank J. Hanna Jr. CEO

Ken Hurt, Chief Financial Officer

Gail T. Veal, Secretary

OK, crackhead, here's how it works. Bottomfeeders like WAM hate bad press. So when they get exposed and things get alittle too hot, they simply open up operations under a different name, although still connected to the original entity. Many of these bottomfeeders have 15, 20 and even more aka's.

FYI..I do have a job. A real job which I go to 5 days a week. I also have m VA disability pension, as I am a disabled Veteran. I served 10 years and am now 44 years old. Unlike you, who appears to be a snot nosed brat who thinks he knows everything. You know nothing. Guaranteed. Which clearly makes YOU the tool, not me. I was most likely dealing with your kind before you were born.

FYI..On the workman's comp liability. That form you sign in the hospital means absolutely nothing. Nothing at all. And, I never sign it anyway. You don't have to, and they cannot refuse you treatment if you don't. An on the job injury is NEVER the legal responsibility of the worker. That battle is legally between the employer and workmans comp. as the employer is always responsible for your safety on the job. That is the law.

Just because someone tells you to sign something, does not mean you legally have to. Anyone who does this is the genuine tool.

And, not only have I finished HS, I have a college education as well as multiple technical certifications and professional licenses.

Being a debt collector, is just one step below being a telemarketer. ou are the lowest form of life on the food chain. Any moron can be a debt collector which explains why so many losers are in the business.

The profile of a debt collector is a very scary one. Most are control / power freaks and most were abused as children. Most men in collections are impotent and or have a "Napolean" complex. You are a small man hiding in a cubicle saying things to people over the phone in the safety of your cubicle that you would never be man enough to say in person, face to face.

Your name here says it all. [Johnny Payme].
That is exactly the mentality I speak of.

Get a life, and a REAL job. And some viagra.



>>>
Submitted: 3/21/2008 1:37:26 PM
Modified: 3/21/2008 5:43:13 PM Johnny Payme
Savoy, Texas
U.S.A.

Why don't you show me...
Why don't you show some sort of documentation prooving that this Worldwide Asset Purchasing is a subsidiary of West Asset Management. I see no proof in your post showing West Asset Management is even affiliated with this other agency. Were you not the one that was saying to stay on topic? Now you go and make a post about some other collection agency that has 'Asset' in it's name and try to associate it with West Asset Management. Wow do you realize how many collection agencies probably have 'Asset' in their name? I really over-estimated you. I thought you were smarter than that but I guess you didn't graduate high school and don't have a job which would explain why you have so much time to post on this website.

You did do something that I didn't think was possible though. You made yourself look even more like the tool/crackhead you are. Congratulations

And by the way on a worker's comp injury, if your employer doesn't pay the patient is responsible... It's on the financial agreement you sign at the hospital. Just for future reference next time you slip and fall on the freshly mopped floor at Mcdonald's. Although you seem like the type of person that would probably sue your employer over something like that so you may have to find a job elsewhere... Maybe Taco Bell is hiring!?!?
>>>

Why don't you show some sort of documentation prooving that this Worldwide Asset Purchasing is a subsidiary of West Asset Management. I see no proof in your post showing West Asset Management is even affiliated with this other agency. Were you not the one that was saying to stay on topic? Now you go and make a post about some other collection agency that has 'Asset' in it's name and try to associate it with West Asset Management. Wow do you realize how many collection agencies probably have 'Asset' in their name? I really over-estimated you. I thought you were smarter than that but I guess you didn't graduate high school and don't have a job which would explain why you have so much time to post on this website.

You did do something that I didn't think was possible though. You made yourself look even more like the tool/crackhead you are. Congratulations

And by the way on a worker's comp injury, if your employer doesn't pay the patient is responsible... It's on the financial agreement you sign at the hospital. Just for future reference next time you slip and fall on the freshly mopped floor at Mcdonald's. Although you seem like the type of person that would probably sue your employer over something like that so you may have to find a job elsewhere... Maybe Taco Bell is hiring!?!?

I just read through this quick as I'm to rest and not get upset for my heart valve and I have Lupus. I should have made it clearer about Hoag and why I am so upset with them, then dealing with WAM.

I wanted to let you know that I did try to pay Hoag per month. I am very serious when I tell you this. I tried to pay 50.00/mo and sent the money. However, Hoag wanted more than that at 150. They sent me to collections anyway.

I'm responsible enough that I keep my Blue Cross PPO at 480.00 per month so I can get good health care and have it paid for. I'm pretty sure my intension's are good. I bet you guys don't pay your own insurance monthly at these costs and try to keep a good plan, no matter what. That is pretty responsible. To ensure your hospital bills are pretty much covered. I'm more responsible than a lot of people I know.

Even when I work in corp america and they provide the health insurance at a low cost, I also keep my own plan and pay for it. I know with the instability of jobs and my failing health since I was 42, I would never be able to get insurance again if I let it lapse.

Then even with that monthly bill for Blue Cross my plan still has a 6,000 deductible prorated.

Since I'm 50 and my retirement is gone from surviving in the poor economy after 9/11, the last years have been ruff..... Problem is I'm 50 and the IT jobs I use to do are going to India.

Last job- my IT team had to train the India people. The company flew them in and spent a fortune putting them up in very nice hotel with expenses for 4 months.

We had to train 2-3 India people to do a job that one of us could do. Then looking at my age, I'm considered to old now for corp america and HR wont consider me, and with my health problems the rest of my life looks bad. I'm thinking with all this mess it might just be better to kill myself. What good is life if you can't live it and at 50 your over the hill.

That is why I am so mad at Hoag too. I tried to pay. I live on 75.00/wk food right now (no savings left), pay my Blue Cross, CA Insurances for car. My car payment 320. Unitlities and gas in CA are so high, I want out bad. A one bedroom apt here is 1300/mo and thats for a studio. I would move further away but I have friends here who I need right now even for emotional support to try and keep going every day. They also helped me in the hospital (not my firt time in Hoag with my heart, I am there a lot, my heart is broken). It's just too much. I want out.

Now WAM is calling 3 times just today. Then I see you guys (obviously young) doing all this with out true knowledge of why I don't pay. Hoag was paid over 38,000 for my stay. I owe approx 2,300. and they could not wait for their money or take smaller payments now. The 2300 means the world to me to save because I have my Blue Cross monthly payment I have to keep paying no matter what. I just needed some time and to make smaller payments and Hoag would not let me. They did not care I was sick. They refused to work with me. I offered to sit down and show them my bills and my monthly medications with my Lupus bills is approx 340.00 Blue Cross does not pay for all my medications.

I'm tired. Went to bed at 11 up at 1a and now 4:30. Too much on my mind. But still I'm sure WAM should not be calling me 2-3 times per day with a computer. It's still against the law. You should be thanking our lucky stars you healthy enough to work, young enough to get a job. By the time you guys are my age from what I've seen in Corp America there will be no more jobs at a decent pay in about 10 years. We are all doomed. I think Hoag could have waited. I've paid them a lot of money. Have a good track record with them from paying my bills before and they did not care and want to wait. I would have paid. Now they can go to ______.

First of all, when you cut and paste someones post and add your comments, be sure to indicate which is which! Don't just run them all togather!

Second, I dealt with WAM like 4+ years ago. They have different divisions and locations. Since you work for them you should know this already.

Like I said, I never defaulted on medical debt. I had a workmans comp claim that my provider never paid. It was NOT my debt. Not my responsibility. I finally got my provider to pay it as I gave the collectors thier info.

And, WAM did purchased debt at that time as well. Fred Hanna is part of WAM. See below.

>>
Worldwide Asset Purchasing LLC
aka/West Asset Management Inc.
(With multiple subsidiaries using the WWAP)

2 Ravina Drive, #1750
Atlanta, Georgia 30308

Phone: 888-211-7488
866-252-9271
Fax: 770-618-2233


Head Debt Collectors:

Frank J. Hanna Jr. CEO

Ken Hurt, Chief Financial Officer

Gail T. Veal, Secretary
>>

Here's what BudHibbs has to say about WAM:
Bud Says

From the infamous Hanna Family of notorious debt collectors, WWAP is a bottom feeder debt buyer incorporated in NV and run out of Marietta, GA by Fred Hanna (brother to Fredrick J. and his son, Tye Hanna). The Hanna organization has a tainted reputation for lies, my experience has taught

nothing this organization says or does should be taken at face value; anything and everything should be challenged including any court filings and credit bureau reporting. WWAP is a bottom feeder debt buyer of old portfolios that may be totally lacking in legal validation and possibly out of statute
s. The Hanna reputation has always been one that is tainted, dating back more than twelve years, so anyone dealing with WWAP is warned to be very cautious. Paying WWAP will not help you or your credit reports.



CAUTION: I recommend that you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email me the details and your location. Assistance and referral to a consumer legal specialist may be available.
>>>>

Here's what several victims of WAM have to say:

>>
Date: October 24, 2007

I am currently being sued by these bloodsuckers in Maricopa County. I have filed an answer denying the claim. They are using Vincent Creata of Hammerman and Hultgren in Phoenix as their attorneys. I will keep everyone posted of the outcome. They held and Arbitration with the National Arbitration Forum which I never received notice of. http://arbitrationjustice.com/
>>

Date: August 21, 2007

WWAP is unscrupulous in their business practices and the attorney that represents them is just as bad (Vincent Creta in Phoenix, AZ). They attempted to sue me for a fraudulently acquired credit card. Had they just looked at the initial application for the credit card they would have detected the fraudulent application. But instead they dragged me through court for two years and I had to do their job (or their client's job) to prove it wasn't my debt, BUT I PREVAILED! NOW I HAVE A JUDGMENT AGAINST THEM, SO THEY OWE ME MONEY!!

WWAP is truly a bottom feeder, the attorney is right there with them along the credit card company that must have a very poorly trained staff in their fraud department.

What a waste of resources on all fronts and talk about aggravating. Someone needs to shut WWAP down. Maybe a class action suit against them is in order??

>>

Date: July 16, 2007 Law Offices of Rory W. Clark

These people are not there to help you at all. When you try to put in a settlement offer it is always refused, they want more and more every time you try to talk to them. I have tried various times to do this unsuccessfully. You have no idea how stressful this has been for me. They should be taken out of business. I believe they are just ripping off people.

>>

Date: June 28, 2007

WorldWide Asset Purchasing served my elderly and ill mother in order to get to me. WWAP is predator of the worst order, tacking on bogus fees, exponential interest rates. They sue via the convenience of long distance, get judges to take long distance telephonic testimony, anything to secure a judgment. Anything WWAP does should be fought tooth and nail. It is only until consumers as a class revolt against these bottom feeding parasites that we will be free of them. I'll give everything away and go herd sheep before they get a single cent!

>>

Date: May 28, 2007

Worldwide Asset Purchasing, LLC, a Nevada Limited Liability Company executes fraudulent service of process and then obtains default judgments, then pulls the person's credit without authorization and goes to collect on the false judgment.

>>

Date: April 27, 2007

I received a letter and subpoena from the Law Office of Rory W. Clark who represents WORLDWIDE ASSET PURCHASING (WAP). The letter asks me to recall my debt to WAP of $5,406.53 and that they are willing to take a lump sum of $4,000. The subpoena is to requests business records from the credit union I bank with. My concerns are A) I don't know who WAP is B) I don't have any sort of debt C) They are giving me five days to resolve the debt or I will be sued. In all truth, when I first saw the letter I thought it was a scam. But I decided to be cautious and google WAP to see what it was and here is what I got. It seems like mostly everyone here seems to have had a bad encounter with this people whether you really own them or not

>>

Date: April 3, 2007

A follow up to my previous post from last year. I was harassed by Gerald Moore's "law" office and eventually sued by Worldwide Asset. When my attorney (also my boss) asked for some verification of the debt, we were not provided with any. This went on for months. We sent Worldwide's local attorney a letter stating that we would bring a complaint with the Alabama Bar under the attorney accountability act if they failed to provide any documentation of this debt. The attorney contacted us before the trial date literally begging to drop the suit against me if we would agree not to pursue the claim against him. The litigation against me was dropped, they were to remove the derogatory credit from my record. I know this is a little far afield from Gerald Moore, but it started with him and his sleazy ilk.


>>

There are hundreds more complaints on this bottomfeeder and thier associates. I guess I would be real proud to work there too!

>>>
Submitted: 3/20/2008 5:14:23 PM
Modified: 3/20/2008 6:45:39 PM Johnny Payme
Savoy, Texas
U.S.A.

Stevie, Stevie, Stevie.... tisk... tisk...
Well for starters you said that you do not owe any medical debt, however in another post you say you have taken down West Asset Management several times. Why would you have any dealings with West Asset Management if you are neither an attorney nor have delinquent medical debts?

It's interesting you say 'stick to the topic' considering we are talking about medical debt but you continue to say you never said anything specific to medical debt. Stick to the topic 'Steven.' Hoag hospital is a hospital. I realize to most people this is self-explanitory but some people (Steve) don't understand what that means.

I really don't know why you insist on referring to collectors as crack heads. You are the person that lives on www.ripoffreport.com. Do you work or do you just 'get paid from bottom feeders?' I know you have to have something to support your 'habit' and really, quite honestly, don't think you have the intelligence to win any case, let alone a case against corporate attorneys. You seem to consider yourself the 'source' for all that is collections considering you post on every report about collection agencies. The funny thing is your only response or 'solution' as you call it in this instance is 'cease communication, cease communication, cease communication.'

As far as this guy from New Jersey... You are from New Jersey that should be all I have to say, but as far as your comment abount collectors not wanting to deal with an informed society... I am on here giving information. If George had not let this account go to collections, quite honestly he wouldn't have to deal with a collection agency.

BTW... Another name for West Asset Management is Attention LLC... So I agree with you Steve when you say to 'PAY ATTENTION.'
>>>

Well for starters you said that you do not owe any medical debt, however in another post you say you have taken down West Asset Management several times. Why would you have any dealings with West Asset Management if you are neither an attorney nor have delinquent medical debts?

It's interesting you say 'stick to the topic' considering we are talking about medical debt but you continue to say you never said anything specific to medical debt. Stick to the topic 'Steven.' Hoag hospital is a hospital. I realize to most people this is self-explanitory but some people (Steve) don't understand what that means.

I really don't know why you insist on referring to collectors as crack heads. You are the person that lives on www.ripoffreport.com. Do you work or do you just 'get paid from bottom feeders?' I know you have to have something to support your 'habit' and really, quite honestly, don't think you have the intelligence to win any case, let alone a case against corporate attorneys. You seem to consider yourself the 'source' for all that is collections considering you post on every report about collection agencies. The funny thing is your only response or 'solution' as you call it in this instance is 'cease communication, cease communication, cease communication.'

As far as this guy from New Jersey... You are from New Jersey that should be all I have to say, but as far as your comment abount collectors not wanting to deal with an informed society... I am on here giving information. If George had not let this account go to collections, quite honestly he wouldn't have to deal with a collection agency.

BTW... Another name for West Asset Management is Attention LLC... So I agree with you Steve when you say to 'PAY ATTENTION.'


Where did I say I was an Attorney? Please show me that post. I am NOT an attorney. I never said or even implied that I was.

You simply need to learn how to read. That's the problem here. Stick to the topic, and remember who said what. I know that is hard for a crackhead. But try to concentrate.

You are still going off on this medical bill thing and I have no idea why. I never made any reference to medical bills or medical collections. I never specifically posted about your agency. I was responding to another crackhead, and you jumped in.

Pay attention.

as they can't stand an informed society. That means they actually have to do their job correctly and by the law. Or else, quite honetly, you wouldn't be here.

Johnny Payme,

Where did I say I was an Attorney? Please show me that post. I am NOT an attorney. I never said or even implied that I was.

You simply need to learn how to read. That's the problem here. Stick to the topic, and remember who said what. I know that is hard for a crackhead. But try to concentrate.

You are still going off on this medical bill thing and I have no idea why. I never made any reference to medical bills or medical collections. I never specifically posted about your agency. I was responding to another crackhead, and you jumped in.

Pay attention.



>>>>
Submitted: 3/18/2008 6:41:35 PM
Modified: 3/18/2008 7:30:55 PM Johnny Payme
Savoy, Texas
U.S.A.

Wow someone is letting statments made on ripoffreport get to him...
First of all 'Steve' you should be ashamed. I would not think a professional attorney such as yourself would not allow some comments made on a website to get to you but obviously I would be wrong in thinking that.

I find it quite humorous that attoneys hate to be prooved wrong and when they get called out on something they take offense, thinking it's something personal. I can assure you that is nothing further from the truth, but since you insist on referring to collectors as people who 'have substance abuse problems' and insist on calling me a 'crackhead' then I got news for you buddy... It just got personal.

As far as your comment about substance abuse I believe this is a well-known problem amoung lawyers. But if you want to accuse West Asset Management employees of substance abuse you can shove that you know where because West Asset Management not only drug tests all applicants but they also randomly drug test employees.

For your comment about illlegal immigrants. I never said that may or may not be part of the problem but we are not discussing that here. I am discussing the simple fact that anyone who gets out of paying their bills (in the fashion that you preach) is not a solution but rather part of the problem. (the problem being high medical costs, I know how you like to copy and paste everything because you can't remember it so I figured I would give you a brief explanation beside everything I say)





Steve when you said practice 'responsible lending' did you not realize that Hoag hospital is a HOSPITAL. If you were not referring to the client when you were talking about 'responsible lending' then why bring the subject of 'responsible lending' up in the first place?

Oh and by the way-

We have an example of an attorney who has not gone to enough night school classes at the local community college. Allow me to copy and paste another statement that you made...

You are a genuine tool and have no idea how things really work. Nothing I have done have had any effect on the cost of medical care. Did I default on medical debt? NO! Did I ever say anything about medical debt? NO!

In your second sentence you need to change the second have to has... You sir are the tool. You would think they would at least teach proper grammar at the community college but I guess you get what you pay for.

And you have made admittions of defaulting on all kinds of debt and getting paid from 'bottom feeders.' Why not medical debt? You obviously have no reservations about not paying for services you receive, so for you, why should medical debts be any different?

Now quick, scramble to your law books and educate yourself... You need it.

Once again, the CEASE COMMUNICATION request is the solution to the OP problem. The OP wanted to stop the calls. A CEASE COMMUNICATION request does that. Legally. I said nothing about it being a sulution to the debt collection effort. Nor did I imply that. You made an assumption. That assumption was wrong.

Also, I never said anything specific to your office, so it has nothing to do with medical bills or rising medical costs.

But I bet you are OK with 14+ million illegal immigrants getting FREE medical care, right? Most working people cannot get medical care and that is not my fault.

As far as making payments to a THIRD PARTY debt collector, that is a waste of time and money! It will actually hurt my credit more than just letting it go! It makes the negative more recent by turning an old charge off into a 'new account' being a collection account. Without paying, I can get that collection off my report.

I will work with FIRST party debt collectors / original creditors, IF they are WILLING to work. If not, too bad so sad. It's all about who is in control. That would be me, not the collector. I dictate what I can and cannot do, and how I will do it. NOT the crackhead.

Now for this crackhead collector calling himself 'Johnny Payme',

You are a genuine tool and have no idea how things really work. Nothing I have done have had any effect on the cost of medical care. Did I default on medical debt? NO! Did I ever say anything about medical debt? NO!

I guess the 14 MILLION illegals in this country have nothing to do with the destruction of affordable medical care, right? Guess again, crackhead.

You must be a democrat.

First of all 'Steve' you should be ashamed. I would not think a professional attorney such as yourself would not allow some comments made on a website to get to you but obviously I would be wrong in thinking that.

I find it quite humorous that attoneys hate to be prooved wrong and when they get called out on something they take offense, thinking it's something personal. I can assure you that is nothing further from the truth, but since you insist on referring to collectors as people who 'have substance abuse problems' and insist on calling me a 'crackhead' then I got news for you buddy... It just got personal.

As far as your comment about substance abuse I believe this is a well-known problem amoung lawyers. But if you want to accuse West Asset Management employees of substance abuse you can shove that you know where because West Asset Management not only drug tests all applicants but they also randomly drug test employees.

For your comment about illlegal immigrants. I never said that may or may not be part of the problem but we are not discussing that here. I am discussing the simple fact that anyone who gets out of paying their bills (in the fashion that you preach) is not a solution but rather part of the problem. (the problem being high medical costs, I know how you like to copy and paste everything because you can't remember it so I figured I would give you a brief explanation beside everything I say)





Steve when you said practice 'responsible lending' did you not realize that Hoag hospital is a HOSPITAL. If you were not referring to the client when you were talking about 'responsible lending' then why bring the subject of 'responsible lending' up in the first place?

Oh and by the way-

We have an example of an attorney who has not gone to enough night school classes at the local community college. Allow me to copy and paste another statement that you made...

You are a genuine tool and have no idea how things really work. Nothing I have done have had any effect on the cost of medical care. Did I default on medical debt? NO! Did I ever say anything about medical debt? NO!

In your second sentence you need to change the second have to has... You sir are the tool. You would think they would at least teach proper grammar at the community college but I guess you get what you pay for.

And you have made admittions of defaulting on all kinds of debt and getting paid from 'bottom feeders.' Why not medical debt? You obviously have no reservations about not paying for services you receive, so for you, why should medical debts be any different?

Now quick, scramble to your law books and educate yourself... You need it.

Once again, the CEASE COMMUNICATION request is the solution to the OP problem. The OP wanted to stop the calls. A CEASE COMMUNICATION request does that. Legally. I said nothing about it being a sulution to the debt collection effort. Nor did I imply that. You made an assumption. That assumption was wrong.

Also, I never said anything specific to your office, so it has nothing to do with medical bills or rising medical costs.

But I bet you are OK with 14+ million illegal immigrants getting FREE medical care, right? Most working people cannot get medical care and that is not my fault.

As far as making payments to a THIRD PARTY debt collector, that is a waste of time and money! It will actually hurt my credit more than just letting it go! It makes the negative more recent by turning an old charge off into a 'new account' being a collection account. Without paying, I can get that collection off my report.

I will work with FIRST party debt collectors / original creditors, IF they are WILLING to work. If not, too bad so sad. It's all about who is in control. That would be me, not the collector. I dictate what I can and cannot do, and how I will do it. NOT the crackhead.

Now for this crackhead collector calling himself 'Johnny Payme',

You are a genuine tool and have no idea how things really work. Nothing I have done have had any effect on the cost of medical care. Did I default on medical debt? NO! Did I ever say anything about medical debt? NO!

I guess the 14 MILLION illegals in this country have nothing to do with the destruction of affordable medical care, right? Guess again, crackhead.

You must be a democrat.

"Collection King"

Once again, the CEASE COMMUNICATION request is the solution to the OP problem. The OP wanted to stop the calls. A CEASE COMMUNICATION request does that. Legally. I said nothing about it being a sulution to the debt collection effort. Nor did I imply that. You made an assumption. That assumption was wrong.

Also, I never said anything specific to your office, so it has nothing to do with medical bills or rising medical costs.

But I bet you are OK with 14+ million illegal immigrants getting FREE medical care, right? Most working people cannot get medical care and that is not my fault.

As far as making payments to a THIRD PARTY debt collector, that is a waste of time and money! It will actually hurt my credit more than just letting it go! It makes the negative more recent by turning an old charge off into a "new account" being a collection account. Without paying, I can get that collection off my report.

I will work with FIRST party debt collectors / original creditors, IF they are WILLING to work. If not, too bad so sad. It's all about who is in control. That would be me, not the collector. I dictate what I can and cannot do, and how I will do it. NOT the crackhead.

Now for this crackhead collector calling himself "Johnny Payme",

You are a genuine tool and have no idea how things really work. Nothing I have done have had any effect on the cost of medical care. Did I default on medical debt? NO! Did I ever say anything about medical debt? NO!

I guess the 14 MILLION illegals in this country have nothing to do with the destruction of affordable medical care, right? Guess again, crackhead.

You must be a democrat.


>>>

Submitted: 3/16/2008 6:42:02 PM
Modified: 3/16/2008 8:07:16 PM Collection King
Sherman, Texas
U.S.A.

Ok, Steve.
Ok, I cannot read Steve. Steve, you are the one in your title suggests sending a cease communication as a 'solution'. I was just pointing out the facts that sending one is not close to a 'solution'. Yes, you never said it would make the debt go away but classifying a cease as a 'solution' implies that. As for responsible lending, our office collects for medical bills. Please educate me as to how a hospital should practice responsible lending. They are there to service you when you need it. Most of the visits for a hospital tend to be E.R. visits so it was obviously something that needed attention right away. They were there when you needed it, therefore you should make it right by paying back for those services.

As to you 'educating' people Steve, the FDCPA has been around for a long time and a simple Google search can bring up the info that you constantly preach as a solution to a debt. I have a better solution. How about you cut back on extra spending in your budget, maybe go out to eat a time or two less a month and make a payment arrangment if you cannot afford the balance. After all, everyone in collections in the beginning signs a contractual agreement stating they would be financially responible to pay the hospital back. That's ok though Steve, you are educating so many people of how to get 'solutions' to not paying their bills. Keep up the good work sir.

Submitted: 3/17/2008 10:09:49 PM
Modified: 3/17/2008 10:13:04 PM Johnny Payme
Savoy, Texas
U.S.A.

In agreement...
And just to go a little further with what the King said, Steve it is people like you who cause medical bills to be so expensive. It is a shame that someone such as George, should have to pay higher medical bills to make up for money that the hospital loses to your deciples of debt evasion. You are right though perhaps if the 'hospital' practiced 'responsible lending' and refused services to people who come in for emergency procedures then they would not have to employee companies such as West Asset Management to collect on delinquent debts. I see absolutely no other way to practice 'responsible lending' besides turning away patients at the door. Is that what you are suggesting the hospital should have done in George's case? Simply say sorry we can't help you because you don't have the money up front? No! They provided him service in good faith that he would pay for said services and that is what needs to be done. Not try to get out of paying by using loopholes in the court system. This is why the economy is the way it is because people want to try and get out of paying anyway possible even if it is something they rightfully owe. Steve your slogan should be- 'Don't get mad, make hospital bills more expensive for everyone.'

>>>

And just to go a little further with what the King said, Steve it is people like you who cause medical bills to be so expensive. It is a shame that someone such as George, should have to pay higher medical bills to make up for money that the hospital loses to your deciples of debt evasion. You are right though perhaps if the 'hospital' practiced 'responsible lending' and refused services to people who come in for emergency procedures then they would not have to employee companies such as West Asset Management to collect on delinquent debts. I see absolutely no other way to practice 'responsible lending' besides turning away patients at the door. Is that what you are suggesting the hospital should have done in George's case? Simply say sorry we can't help you because you don't have the money up front? No! They provided him service in good faith that he would pay for said services and that is what needs to be done. Not try to get out of paying by using loopholes in the court system. This is why the economy is the way it is because people want to try and get out of paying anyway possible even if it is something they rightfully owe. Steve your slogan should be- 'Don't get mad, make hospital bills more expensive for everyone.'

Ok, I cannot read Steve. Steve, you are the one in your title suggests sending a cease communication as a "solution". I was just pointing out the facts that sending one is not close to a "solution". Yes, you never said it would make the debt go away but classifying a cease as a "solution" implies that. As for responsible lending, our office collects for medical bills. Please educate me as to how a hospital should practice responsible lending. They are there to service you when you need it. Most of the visits for a hospital tend to be E.R. visits so it was obviously something that needed attention right away. They were there when you needed it, therefore you should make it right by paying back for those services.

As to you "educating" people Steve, the FDCPA has been around for a long time and a simple Google search can bring up the info that you constantly preach as a solution to a debt. I have a better solution. How about you cut back on extra spending in your budget, maybe go out to eat a time or two less a month and make a payment arrangment if you cannot afford the balance. After all, everyone in collections in the beginning signs a contractual agreement stating they would be financially responible to pay the hospital back. That's ok though Steve, you are educating so many people of how to get "solutions" to not paying their bills. Keep up the good work sir.

Well, "Collection King" you just prove that debt collectors are morons who cannot read. My response was to the OP, whose complaint was the harassing telephone calls. Thats it, nothing more.

I never said that a CEASE COMMUNICATIONS request would make the debt go away, did I? No. I did not.

There is no need for third party debt collectors. If lenders would practice RESPONSIBLE lending, we could never have a problem could we? And, if the original creditor felt it was important enough to go after, they would, right? Furthermore, if your case is so solid, JUST FILE THE LAWSUIT!! Therefore, calls are not needed, right? Just spend your time and money filing a lawsuit that you will never see a dime of.

The real fact that pisses you and your kind off, is that people like me are out here educating others on the fact that the debt collector is NOT in control, the debtor is. That's right, you can't get blood out of a stone. Third party debt collectors are like cockroaches. They are just a nuisance until you exterminate them.

Thats what I am. An exterminator.


>>>
Collection King
Sherman, Texas
U.S.A.

In response to Steve
Steve, how is that a solution to the problem? All that stops is getting called about debts you rightfully are responsible for. The account is still owed and will still be reported on a credit bureau report as being owed. When a debtor calls in with a cease on the account, how willing do you think we are to work with them? I can tell you from personal experience I will absolutely offer zero settlement to anyone who sends in a cease communication.

So when it comes time to buy a new home and someone calls in wanting a settlement on their account I tell them tough luck. Steve, that is no solution to the problem. It is merely a temporarily band-aid that prevents you from getting calls. Steve, that is no solution only a cover-up to stop from getting calls. The debt is still owed and will still negatively effect your credit for 7 yrs. Dont get mad, take care of your responsibilties in the first place and you will never end up in collections.

First of all 'George' I do not see anywhere in your complaint where West Asset Management has 'harassed' you. I see where you are complaing because you owe a bill and they are calling you. One thing you must understand is this, a collection agency has a right by law to pursue you for a debt that you owe. You have admitted you owe this debt and have fallen behind end of story. If you want to stop the calls do as wanna-be Steve says and send a cease communication letter on your account.

Telling a collection agency over the phone that you don't want to receive calls does absolutely nothing. Something I will tell you though is that when you send that cease communication letter in then four months down the road when you want to buy that new car and in order to get your interest rate down where you can afford payments you need to pay off some of your collection accounts, don't think for one second that a collection agency is going to 'work with you' as far as payment arrangements. A cease communication is exactly what it sounds like.

My suggestion would be to do what you can on the bill. You obviously like Hoag hospital or you would not go to them so often, so pay them what they are due. By the way... What is a Class Action? I think you are missing a word on the end of it. Perhaps both you and Steve should go to a training class about collection agencies so you two know what you are talking about when it comes to them.

We have a class action filled on West Asset . You may find the suit through the NACA attorneys. Because a debt is owed, the law does not support harrassment by debt collecters. Two wrongs don't make a right. West Asset Management is abusive in their collection tactics and have violated the rights of many american's. We have shut down debt collection companies before. The companies who use WAM will be notified of the suit. Please contact us if West Asset is violating your rights. Keep every recording, document every call...we will bring down the people above who support illegal collection tactics.

Steve, how is that a solution to the problem? All that stops is getting called about debts you rightfully are responsible for. The account is still owed and will still be reported on a credit bureau report as being owed. When a debtor calls in with a cease on the account, how willing do you think we are to work with them? I can tell you from personal experience I will absolutely offer zero settlement to anyone who sends in a cease communication.

So when it comes time to buy a new home and someone calls in wanting a settlement on their account I tell them tough luck. Steve, that is no solution to the problem. It is merely a temporarily band-aid that prevents you from getting calls. Steve, that is no solution only a cover-up to stop from getting calls. The debt is still owed and will still negatively effect your credit for 7 yrs. Dont get mad, take care of your responsibilties in the first place and you will never end up in collections.

"V",

If you do in fact have a lawyer, I am suprised a CEASE COMMUNICATIONS request has not been sent. That is the logical first step.

Under the FDCPA you have the right to stop any third party collection agency from calling you. When they violate your legal request, you can get paid!

I suggest you read the FDCPA.

"V",

If you do in fact have a lawyer, I am suprised a CEASE COMMUNICATIONS request has not been sent. That is the logical first step.

Under the FDCPA you have the right to stop any third party collection agency from calling you. When they violate your legal request, you can get paid!

I suggest you read the FDCPA.

"V",

If you do in fact have a lawyer, I am suprised a CEASE COMMUNICATIONS request has not been sent. That is the logical first step.

Under the FDCPA you have the right to stop any third party collection agency from calling you. When they violate your legal request, you can get paid!

I suggest you read the FDCPA.

Yes, it is unfortunate that sometimes wrong numbers are called. Alot of files we receive are aged and therefore sometimes the numbers are incorrectly called. However, it is pointless and not cost effective for us to continously call wrong numbers. I remember personally speaking to you and do recall everything you said. In the beginning, you stated we had been told 5 times it was an incorrect number.

That was completely a false statement. That call was the first contact made at that number in the slighty over two months we had the account. One thing you are correct about is the fact I did hang up on you. You basically wanted to vent about us calling a wrong number and I find it quite amusing you are going to bill WAM over a wrong number.

Please sir, don't waste your postage. You provide no service to our company so if you think you are going to get a handout over a wrong number I find that quite amusing. You also bring up the fact a collection agency attached youre name to an account.

Why don't you file a ripoff report on that company instead of complaining that all agencies are the same? You say collection agencies steal and rip people off? What do you hope to accomplish by billing someone who you provide no service to whatsoever 65 dollars a call? That is a joke. You are also correct that the original creditor has to validate the debt. Our office collect on medical bills and when a consumer asks for validation, we have the original creditor send an itemized bill.

Due to HIPPA, we cannot have that information to begin with. Next time you want to file a report tell the full story instead of claiming you have told someone 5 times its a wrong number when you know that is not true.

Well George here's the thing-

You can only receive partial or temporary disability, if you will, from an employer. Correct me if I'm wrong but seeing as how you are self-employed you would have to be paying yourself for partial disability. Now the federal government does not recognize 'partial or temporary disability.' To them if your disabled your disabled and that's about all there is to it.

As far as the other guy's post... lol... You really need to re-educate yourself about the practices of West Asset Management before you take a stand against them. I can understand and sympathize with your frustrations regarding other collection agencies and can assure you that WAM does not operate in the same fashion. West does not buy accounts, if the account is not collected it goes back to Hoag hospital where they decide what action to take against you for not paying for whatever service you were rendered.

You need to ask yourselves one thing... Is it really harassment if they are calling about money that I rightfully owe them? I would be inclined to think that someone who won't pay me money that they rightfully owe me is the one doing the harassing. The owners may be living the good life but if it wasn't for them, and their hospital, you may not be alive.

Well George here's the thing-

You can only receive partial or temporary disability, if you will, from an employer. Correct me if I'm wrong but seeing as how you are self-employed you would have to be paying yourself for partial disability. Now the federal government does not recognize 'partial or temporary disability.' To them if your disabled your disabled and that's about all there is to it.

As far as the other guy's post... lol... You really need to re-educate yourself about the practices of West Asset Management before you take a stand against them. I can understand and sympathize with your frustrations regarding other collection agencies and can assure you that WAM does not operate in the same fashion. West does not buy accounts, if the account is not collected it goes back to Hoag hospital where they decide what action to take against you for not paying for whatever service you were rendered.

You need to ask yourselves one thing... Is it really harassment if they are calling about money that I rightfully owe them? I would be inclined to think that someone who won't pay me money that they rightfully owe me is the one doing the harassing. The owners may be living the good life but if it wasn't for them, and their hospital, you may not be alive.

Well George here's the thing-

You can only receive partial or temporary disability, if you will, from an employer. Correct me if I'm wrong but seeing as how you are self-employed you would have to be paying yourself for partial disability. Now the federal government does not recognize 'partial or temporary disability.' To them if your disabled your disabled and that's about all there is to it.

As far as the other guy's post... lol... You really need to re-educate yourself about the practices of West Asset Management before you take a stand against them. I can understand and sympathize with your frustrations regarding other collection agencies and can assure you that WAM does not operate in the same fashion. West does not buy accounts, if the account is not collected it goes back to Hoag hospital where they decide what action to take against you for not paying for whatever service you were rendered.

You need to ask yourselves one thing... Is it really harassment if they are calling about money that I rightfully owe them? I would be inclined to think that someone who won't pay me money that they rightfully owe me is the one doing the harassing. The owners may be living the good life but if it wasn't for them, and their hospital, you may not be alive.

West Asset Management calls my mother the same way.

She doesn't owe anything they just have the wrong number!

But they just won't stop calling. When I tell them there is no "Kim XXXXX" here they hang up and call right back the next day.

Collection agencies don't care if you actually owe the debt or not. They buy debts from brokers at pennies on the dollar and harass you for every cent they can. I had a collection agency send me a notice that they were attaching my bank account at Central City Bank. The nice thing is it's someone else's account who just happens to have the same name! They steal! Thats theft, but they don't care. The court systems are rigged and mandatory arbitration is a scam(the judges are paid by the collection agency!!)

I run my business from home and I bill for calls. I told them this and they hung up on me. I will now send them a bill. $65.00 per call * 24 calls = one nice big fat bill. And if they don't pay I'll add billing and late fees.

Also, only the originator of your debt can validate a debt, they are a third party.

Did I say permenant dissability. It obvious you are against web sites like ripoff and believe companies have the right to abuse -us- little people - for ANY REASON...why don't you start a web site, yourself, on behalf of companies that harrass us illegally ? You can come up with all kinds of stuff to support illegal companies that harrass us. It appears your really good at it. I wont be reading your postings any longer. I will be, however, posting more calls coming in from West Asset to allert others to keep track of thier calls.

Let me start this off by saying that you have made a mention that you and your insurance has paid thousands to Hoag due to various visits you have had to this facility over they years and that's great. Unfortunately hospital bills are billed on a case by case basis meaning that the hospital is not going to just write off a certain debt because you are a "good customer".

You say in your complaint that you are disabled, whine, cry, etc... but then state that West Asset Management is calling you "business cell phone" and you can't change the number because you would "lose clients" hmmm... Obviously business is not too bad you have a computer with internet access. Also you work or should I say you are self-employed and still receive a disability income? I imagine you don't report all of your earnings to Social Security so who is really the honest person that is going to heaven? and I havn't even got a chance to talk about the bill that you owe yet...

Hold on you might get your feelings hurt...

Pay the bill already-

If your not able to pay it in full then make payments stop wasting your efforts on complaining about where someone else lives or how much money someone else makes and worry about yourself. As far as collector's being rude, harassing you, etc... Had you paid the bill or made payment arrangments those collectors would not have to waste time on people such as yourself.

Oh ya and one more thing-
What do you do when someone doesn't pay you for something you do? I bet your the type of person that gets payment up from which seems like something the hospital should have done in your case-

You should never pay people who harrass you illegally. I will never give these type of people my money. Neither should anyone else. I have an attorney now. The calls still come in at 2-3 a day after I sent a certified letter for them to stop. Now they will be paying me ! Looks like my claim is up to 135 calls in 50 days. I'll pay my hospital bill off this law suite Thank you. Seems people like you are the ones who give illegal companies their power to keep harrassing people.

I can offer you 2 suggestions to help you try to get this matter resolved.

The 1st one is why dont you just pay your bill? And if you cannot afford to then you could at least try to pay something on it and then the calls will stop. That is whats wrong with people in this country today. They want something for nothing. You spend a great deal of your time recording calls,and trying to prove that the company is breaking the law,when what you should be doing is talking with the company to come to a resolution on how to get this debt that you obviously owe paid.You have money to pay your internet and cell bill which is considered recreational use. You could send then 20.00 to 25.00 a month and then you wouldnt have to deal with the calls.

Also you never once stated that you requested that the company remove your cell number from the computer. Had you done that I am sure they would have done that fro you. As for how you feel about debt collectors you need to remember that it is people like you that give them a job and when judging day comes for you I hope and pray that god has mercy on your soul.

I would like to file a report with the FCC and wanted to discuss with an attorney first.

I've contacted several law firms in CA by eMail (with all the enclosed documentation I posted) and voice mail for the past 2 weeks.

However, they have not contacted me back. Therefore, I assumed that I did not have damages to compensate attorneys time, or mine. That is why shutting down the companies came to mind. It was my last resort to seek justice.

I thought, since I'd have to take the extensive abuse and deal with it, I'd posted it. I found it gives some type of inner peace when we experience abusive and/or illegal corporate tactics.... to see your not the only one picked on.

It helps to see on rip-off report, in that your not the only one getting picked on by companies that make you feel so inadequate as a human being. You somehow, feel somewhat, human again, seeing it's the company not us with the problem. AND, the man upstairs :) is just not picking on little ole me for no reason.

Why is corp America not punished ? Why are billionaires above the law ? Why do rich people stay out of jail after committing crimes or receive less punishment than poor ? I bet if I were rich, one phone call to my attorney and all this would go away even if I owed the money.

I have an answer. Money buys everything ! The person with the most money seems to win the most, even if illegal.

My last question ? Is it the judges letting the richer win ? Is it the judges that don't allow the proper documentation to be submitted in court by the poor clients attorneys who can't afford to litigate the big guys abusive attorney actions ? Does all this mess boil down to the Judges not upholding our laws so the poorer attorneys have a chance for their clients ?

Where is the tumor in our justice system. Let's chemo it out and have happy lives again !

I guess Rip-Off Report is a start. But, when's the finish. I hope in my life time.

Then it boils down to which President do we dare, to try, and trust this time. Is that the tumor we need to attack in order to get the Judges to uphold the laws ?

Lots goin on today :). I'm sure I'll be stuck with West Asset Management's abusive/illegal tactics for a while. Would love to sue them though.

If you know an attorney. I'd love to attack the tumor.

I would like to file a report with the FCC and wanted to discuss with an attorney first.

I've contacted several law firms in CA by eMail (with all the enclosed documentation I posted) and voice mail for the past 2 weeks.

However, they have not contacted me back. Therefore, I assumed that I did not have damages to compensate attorneys time, or mine. That is why shutting down the companies came to mind. It was my last resort to seek justice.

I thought, since I'd have to take the extensive abuse and deal with it, I'd posted it. I found it gives some type of inner peace when we experience abusive and/or illegal corporate tactics.... to see your not the only one picked on.

It helps to see on rip-off report, in that your not the only one getting picked on by companies that make you feel so inadequate as a human being. You somehow, feel somewhat, human again, seeing it's the company not us with the problem. AND, the man upstairs :) is just not picking on little ole me for no reason.

Why is corp America not punished ? Why are billionaires above the law ? Why do rich people stay out of jail after committing crimes or receive less punishment than poor ? I bet if I were rich, one phone call to my attorney and all this would go away even if I owed the money.

I have an answer. Money buys everything ! The person with the most money seems to win the most, even if illegal.

My last question ? Is it the judges letting the richer win ? Is it the judges that don't allow the proper documentation to be submitted in court by the poor clients attorneys who can't afford to litigate the big guys abusive attorney actions ? Does all this mess boil down to the Judges not upholding our laws so the poorer attorneys have a chance for their clients ?

Where is the tumor in our justice system. Let's chemo it out and have happy lives again !

I guess Rip-Off Report is a start. But, when's the finish. I hope in my life time.

Then it boils down to which President do we dare, to try, and trust this time. Is that the tumor we need to attack in order to get the Judges to uphold the laws ?

Lots goin on today :). I'm sure I'll be stuck with West Asset Management's abusive/illegal tactics for a while. Would love to sue them though.

If you know an attorney. I'd love to attack the tumor.

I would like to file a report with the FCC and wanted to discuss with an attorney first.

I've contacted several law firms in CA by eMail (with all the enclosed documentation I posted) and voice mail for the past 2 weeks.

However, they have not contacted me back. Therefore, I assumed that I did not have damages to compensate attorneys time, or mine. That is why shutting down the companies came to mind. It was my last resort to seek justice.

I thought, since I'd have to take the extensive abuse and deal with it, I'd posted it. I found it gives some type of inner peace when we experience abusive and/or illegal corporate tactics.... to see your not the only one picked on.

It helps to see on rip-off report, in that your not the only one getting picked on by companies that make you feel so inadequate as a human being. You somehow, feel somewhat, human again, seeing it's the company not us with the problem. AND, the man upstairs :) is just not picking on little ole me for no reason.

Why is corp America not punished ? Why are billionaires above the law ? Why do rich people stay out of jail after committing crimes or receive less punishment than poor ? I bet if I were rich, one phone call to my attorney and all this would go away even if I owed the money.

I have an answer. Money buys everything ! The person with the most money seems to win the most, even if illegal.

My last question ? Is it the judges letting the richer win ? Is it the judges that don't allow the proper documentation to be submitted in court by the poor clients attorneys who can't afford to litigate the big guys abusive attorney actions ? Does all this mess boil down to the Judges not upholding our laws so the poorer attorneys have a chance for their clients ?

Where is the tumor in our justice system. Let's chemo it out and have happy lives again !

I guess Rip-Off Report is a start. But, when's the finish. I hope in my life time.

Then it boils down to which President do we dare, to try, and trust this time. Is that the tumor we need to attack in order to get the Judges to uphold the laws ?

Lots goin on today :). I'm sure I'll be stuck with West Asset Management's abusive/illegal tactics for a while. Would love to sue them though.

If you know an attorney. I'd love to attack the tumor.

You are talking to a lawyer, so that is a good start.

The autodialing to your cell should be reviewed by the authorities.

If the autodialing calls to your BUSINESS cell phone are adversely impacting your busness then... do I have to suggest it????

An answering machine set to 'call screening' should correct your landline issues. You can call back to anyone to whom you wish to speak.

The rules regarding a cell phone and landline phones can be different, and ''just because''. The FCC would be involved with anything, such as a cell phone, that uses the 'public airwaves'. This would not apply to a landline phone unless it is cordless, and then the involvement is limited, i.e. the 'no interference' requirements.

Hospital bills are unbelievable. We have top-drawer medical insurance and our hospital bills are carefully reviewed. We only paid $150 for my wife's last $43K episode but still I am glad the company ensures that all charges are appropriate, and as a result of that process that last bill was substantially reduced. I had visited my wife every day to ensure that she was well cared for. I never expected the final bill to be as big as it was based on what I had seen.

You are talking to a lawyer, so that is a good start.

The autodialing to your cell should be reviewed by the authorities.

If the autodialing calls to your BUSINESS cell phone are adversely impacting your busness then... do I have to suggest it????

An answering machine set to 'call screening' should correct your landline issues. You can call back to anyone to whom you wish to speak.

The rules regarding a cell phone and landline phones can be different, and ''just because''. The FCC would be involved with anything, such as a cell phone, that uses the 'public airwaves'. This would not apply to a landline phone unless it is cordless, and then the involvement is limited, i.e. the 'no interference' requirements.

Hospital bills are unbelievable. We have top-drawer medical insurance and our hospital bills are carefully reviewed. We only paid $150 for my wife's last $43K episode but still I am glad the company ensures that all charges are appropriate, and as a result of that process that last bill was substantially reduced. I had visited my wife every day to ensure that she was well cared for. I never expected the final bill to be as big as it was based on what I had seen.

You are talking to a lawyer, so that is a good start.

The autodialing to your cell should be reviewed by the authorities.

If the autodialing calls to your BUSINESS cell phone are adversely impacting your busness then... do I have to suggest it????

An answering machine set to 'call screening' should correct your landline issues. You can call back to anyone to whom you wish to speak.

The rules regarding a cell phone and landline phones can be different, and ''just because''. The FCC would be involved with anything, such as a cell phone, that uses the 'public airwaves'. This would not apply to a landline phone unless it is cordless, and then the involvement is limited, i.e. the 'no interference' requirements.

Hospital bills are unbelievable. We have top-drawer medical insurance and our hospital bills are carefully reviewed. We only paid $150 for my wife's last $43K episode but still I am glad the company ensures that all charges are appropriate, and as a result of that process that last bill was substantially reduced. I had visited my wife every day to ensure that she was well cared for. I never expected the final bill to be as big as it was based on what I had seen.

You are talking to a lawyer, so that is a good start.

The autodialing to your cell should be reviewed by the authorities.

If the autodialing calls to your BUSINESS cell phone are adversely impacting your busness then... do I have to suggest it????

An answering machine set to 'call screening' should correct your landline issues. You can call back to anyone to whom you wish to speak.

The rules regarding a cell phone and landline phones can be different, and ''just because''. The FCC would be involved with anything, such as a cell phone, that uses the 'public airwaves'. This would not apply to a landline phone unless it is cordless, and then the involvement is limited, i.e. the 'no interference' requirements.

Hospital bills are unbelievable. We have top-drawer medical insurance and our hospital bills are carefully reviewed. We only paid $150 for my wife's last $43K episode but still I am glad the company ensures that all charges are appropriate, and as a result of that process that last bill was substantially reduced. I had visited my wife every day to ensure that she was well cared for. I never expected the final bill to be as big as it was based on what I had seen.