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Report: #78237

Complaint Review: Camco Capital Acquisitions - Rockford Illinois

  • Submitted:
  • Updated:
  • Reported By: akron Oklahoma
  • Author Confirmed What's this?
  • Why?
  • Camco Capital Acquisitions P.O. Box 5087 Rockford, Illinois U.S.A.

Camco Capital Acquisitions, Camco likes to threaten your credit report and will say if you do not pay they will ruin your credit. Camco collects on fear, indimidation, and moral abuse. Rockford Illinois

*Consumer Suggestion: File those Illinois attorney general complaints

*Consumer Suggestion: FOX 11 News Story May Still Be In Development

*Consumer Comment: Unable to find news story

*Consumer Comment: Breaking news....Fox11 news in LA will be doing a story.

*Consumer Comment: Breaking news....Fox11 news in LA will be doing a story.

*Consumer Comment: Breaking news....Fox11 news in LA will be doing a story.

*Consumer Comment: Breaking news....Fox11 news in LA will be doing a story.

*Consumer Comment: LOL Shannon. I am just a consumer protection advocate who has had enough of your company's illegal doings

*Consumer Comment: Can you believe Shannon is that STUPID!!

*UPDATE Employee: WAKE UP PEOPLE SCOTT IS A LIER

*UPDATE Employee: WAKE UP PEOPLE SCOTT IS A LIER

*UPDATE Employee: WAKE UP PEOPLE SCOTT IS A LIER

*Consumer Comment: Scott your posted e-mail address did not work.

*Consumer Comment: Scott's Email Address

*Author of original report: More news on camco

*Consumer Comment: KUDOS TO SCOTT!

*Consumer Comment: Keep up the good work Scott ..Don't let them get by with telling you your family is in danger.

*Consumer Suggestion: Keep those complaints coming in

*Consumer Suggestion: Legitimate complaints

*Consumer Suggestion: either is fine, just say 'all calls may be recorded'.

*Consumer Comment: amazes me that these people can do this stuff.

*Consumer Comment: amazes me that these people can do this stuff.

*Consumer Suggestion: Did you send it certified mail?

*Consumer Comment: They were so nasty in the first place

*Consumer Suggestion: Camco's training- is this familiar?

*Consumer Suggestion: The only way people will know about the abuse is if you tell others about the abuse.

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My name is scott and for the last 1 1/2 years give or take I have been helping consumers on a volunteer basis fight this scam collection agency called Camco.

Camco collects on time barred debts. These debts are always past the legal age to sue you on and any threats to do so are also illegal. They simply cannot and will not file suit against you.

Camco likes to threaten your credit report and will say if you do not pay they will ruin your credit. Bad debts can only stay on your credit report for 7 years and buying the debt does not allow them to report it for another 7 years as they may tell you. It is illegal for them to threaten your credit.

Camco will threaten you with criminal charges stating you ran up the debt to defraud the original creditor and if you do not pay they will file charges against you. Horsecrap. They can do nothing and the threats are illegal.

NEVER NEVER NEVER EVER give out your bank account information. They have been known to drain every last dollar out of your account. In fact, there is no reason to ever pay them a single dime. They cannot sue. They cannot ruin your credit. They cannot do anything- PERIOD.

What can you do as a victim?

If they have threatened your credit, legal action, criminal action, violence, or used profane languages the best thing for you to do is file a complaint. Granted, the FTC and the State of Illinois are at this moment choosing to look the other way but if enough complaints are filed they will have to do something someday. You may also use a search engine like google to find your attorney general to file complaints. Use the links below ONLY if abused. Filing a complaint simply because they called is not justified.

https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

http://www.ag.state.il.us/complaint.htm

How do I get rid of Camco for good?
It is simple really. You need to send them a cease and desist letter certified mail return receipt stating they must cease and desist all communication which includes phone and mail. NEVER sign anything. Just type it out. I have helped over 1300 people fight Camco and if you need a free letter email me at picanteL4343@hotmail.com with your state, type of debt, age of debt, and was this yours or BKED or fraudulent.
Remember Camco likes to collected on previously BKed debts so if this is the case seek an attorney as this is a federal crime.

What if they do not stop or I am really angry?
Some states allow you to tape a conversation without letting them know. This is called a one party state. Some states require their permission which of course they will not allow and this is called a two party consent state. Remember the state where the call is coming into is the state whose taping laws go into affect. Here is a link to look up your state.
http://www.rcfp.org/taping/

Most attorneys will require proof of camcos fdcpa abuses before they will agree to sue. Camco gets sued pretty much every day and loses all the cases. Most of the time they settle out of court because of the expense involved and the knowledge that they most certainly did break FDCPA rules. You may find an attorney at naca.net but I know many consumer protection attorneys and you may email me for information. I get NOTHING from this. Not one dime. They will take your case on contingency so it cost you nothing.

Camco collects on fear, indimidation, and moral abuse. The next time they talk about the morality of paying bills ask them about the morality of threatening a woman with rape if she did not pay or telling a person to back off or they will kill their entire family(happened to me). You owe them nothing so pay them nothing.

Scott
akron, Ohio
U.S.A.

This report was posted on Ripoff Report on 01/27/2004 12:47 AM and is a permanent record located here: https://www.ripoffreport.com/reports/camco-capital-acquisitions/rockford-illinois-61125/camco-capital-acquisitions-camco-likes-to-threaten-your-credit-report-and-will-say-if-you-78237. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
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26Consumer
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#26 Consumer Suggestion

File those Illinois attorney general complaints

AUTHOR: Scott - (U.S.A.)

POSTED: Monday, July 19, 2004

The Illinois Attorney General's office is very much aware of Camco's violations. However, they
need more post-FTC fine complaints and many of you are not doing this. Here are some violations.
1)threats to ruin your credit
2)threats to sue you
3)threats of bodily harm
4)threats to pull inquiries until you pay
5)refusal to send proof of debt
6)degrading name calling or any form of harrassment
7)refusal to cease communications when told to stop
8)collecting on BKed debts after being told they were discharged in bankruptcy

If you have had these done to you PLEASE MAKE YOUR COMPLAINT. You are not
the only victims here and thousands more could be saved if you take 10
minutes of your own time to fill out the complaints and either mail or email
them in(not sure where the email is so find it on their site). I talked to
the person in charge of the camco case and they need them NOW. Here is the
website.
http://www.ag.state.il.us/consumers/index.htm

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#25 Consumer Suggestion

FOX 11 News Story May Still Be In Development

AUTHOR: Alfredo - (U.S.A.)

POSTED: Friday, July 09, 2004

Barbara,

I spoke with Martin Burns of FOX 11 News who said they are still interviewing sCAMCO victims, so the story may not be out yet.

Today, I also called Sarah Roberts [DELETED] of the Rockford Register Star who is wrapping up yet another story on sCAMCO that will be sent out over the wire. If you would like her to e-mail you a copy of the story, her e-mail address is [DELETED].

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#24 Consumer Comment

Unable to find news story

AUTHOR: Barbara - (U.S.A.)

POSTED: Thursday, July 08, 2004

I've checked the Fox 11 LA web site and can find no reference to the story. Has anyone else seen anything elsewhere on the internet regarding their story? Thanks.

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#23 Consumer Comment

Breaking news....Fox11 news in LA will be doing a story.

AUTHOR: Scott - (U.S.A.)

POSTED: Tuesday, July 06, 2004

Fox11 news in LA will be doing a story. There is a possibility this could go national(or so I hope). They plan on exposing the scam Camco runs and we already have some big name attorneys on board. Fox also has an army of attorneys and a heck of alot more cash than camco does so camco can do nothing.

We have a few ex-employees of camco involved in this story including a former high up manager of the company. Now comes your turn to be heard. They are looking for Camco victims to come forth and tell their story. They want to hear about the threats and lies and harrassment of the company. Do not worry ripoffreport- this is the real deal and I hope you leave the contact info up. Feel free to check it out yourselves.

If this goes national camco is finished because alot of people watch Fox and an informed consumer will never be a victim of camco's criminal tricks again. Also, I have talked to a few NACA attorneys and they stated camco's latest trick is to either threaten or actually pull multiple hard inquiries in order to make you pay a nonexistent bill. This is called poisoning your credit and it is illegal.

Also Camco has put up something like 244 million in debt for sale to the highest bidder which means everything will start over again with a new agency i.e. whitewing financial or merchant credit guide. Your rights are still the same and if you asked for validation of the debt and they sent none and sold it you can go after them. Do not worry about me- I know enough attorneys and high up government employees to annihilate them should they ever dare sue me. Here is the information. BE HEARD!!!!

We're doing a story/investigation for Fox11 News in Los Angeles about
the scam

Please call either:

Dan Leighton: 310-877-3392
email: leighton@fox11LA.com

or Martin Burns at 310-466-4567

If you'd rather us call you, you can email us over the weekend with
your ph# -- use fox11news@hotmail.com (I can only check this email when
I'm at the station)

Thanks for your help...

Dan Leighton
Sr. Producer
Fox11News/Los Angeles
_________________

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#22 Consumer Comment

Breaking news....Fox11 news in LA will be doing a story.

AUTHOR: Scott - (U.S.A.)

POSTED: Tuesday, July 06, 2004

Fox11 news in LA will be doing a story. There is a possibility this could go national(or so I hope). They plan on exposing the scam Camco runs and we already have some big name attorneys on board. Fox also has an army of attorneys and a heck of alot more cash than camco does so camco can do nothing.

We have a few ex-employees of camco involved in this story including a former high up manager of the company. Now comes your turn to be heard. They are looking for Camco victims to come forth and tell their story. They want to hear about the threats and lies and harrassment of the company. Do not worry ripoffreport- this is the real deal and I hope you leave the contact info up. Feel free to check it out yourselves.

If this goes national camco is finished because alot of people watch Fox and an informed consumer will never be a victim of camco's criminal tricks again. Also, I have talked to a few NACA attorneys and they stated camco's latest trick is to either threaten or actually pull multiple hard inquiries in order to make you pay a nonexistent bill. This is called poisoning your credit and it is illegal.

Also Camco has put up something like 244 million in debt for sale to the highest bidder which means everything will start over again with a new agency i.e. whitewing financial or merchant credit guide. Your rights are still the same and if you asked for validation of the debt and they sent none and sold it you can go after them. Do not worry about me- I know enough attorneys and high up government employees to annihilate them should they ever dare sue me. Here is the information. BE HEARD!!!!

We're doing a story/investigation for Fox11 News in Los Angeles about
the scam

Please call either:

Dan Leighton: 310-877-3392
email: leighton@fox11LA.com

or Martin Burns at 310-466-4567

If you'd rather us call you, you can email us over the weekend with
your ph# -- use fox11news@hotmail.com (I can only check this email when
I'm at the station)

Thanks for your help...

Dan Leighton
Sr. Producer
Fox11News/Los Angeles
_________________

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#21 Consumer Comment

Breaking news....Fox11 news in LA will be doing a story.

AUTHOR: Scott - (U.S.A.)

POSTED: Tuesday, July 06, 2004

Fox11 news in LA will be doing a story. There is a possibility this could go national(or so I hope). They plan on exposing the scam Camco runs and we already have some big name attorneys on board. Fox also has an army of attorneys and a heck of alot more cash than camco does so camco can do nothing.

We have a few ex-employees of camco involved in this story including a former high up manager of the company. Now comes your turn to be heard. They are looking for Camco victims to come forth and tell their story. They want to hear about the threats and lies and harrassment of the company. Do not worry ripoffreport- this is the real deal and I hope you leave the contact info up. Feel free to check it out yourselves.

If this goes national camco is finished because alot of people watch Fox and an informed consumer will never be a victim of camco's criminal tricks again. Also, I have talked to a few NACA attorneys and they stated camco's latest trick is to either threaten or actually pull multiple hard inquiries in order to make you pay a nonexistent bill. This is called poisoning your credit and it is illegal.

Also Camco has put up something like 244 million in debt for sale to the highest bidder which means everything will start over again with a new agency i.e. whitewing financial or merchant credit guide. Your rights are still the same and if you asked for validation of the debt and they sent none and sold it you can go after them. Do not worry about me- I know enough attorneys and high up government employees to annihilate them should they ever dare sue me. Here is the information. BE HEARD!!!!

We're doing a story/investigation for Fox11 News in Los Angeles about
the scam

Please call either:

Dan Leighton: 310-877-3392
email: leighton@fox11LA.com

or Martin Burns at 310-466-4567

If you'd rather us call you, you can email us over the weekend with
your ph# -- use fox11news@hotmail.com (I can only check this email when
I'm at the station)

Thanks for your help...

Dan Leighton
Sr. Producer
Fox11News/Los Angeles
_________________

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#20 Consumer Comment

Breaking news....Fox11 news in LA will be doing a story.

AUTHOR: Scott - (U.S.A.)

POSTED: Tuesday, July 06, 2004

Fox11 news in LA will be doing a story. There is a possibility this could go national(or so I hope). They plan on exposing the scam Camco runs and we already have some big name attorneys on board. Fox also has an army of attorneys and a heck of alot more cash than camco does so camco can do nothing.

We have a few ex-employees of camco involved in this story including a former high up manager of the company. Now comes your turn to be heard. They are looking for Camco victims to come forth and tell their story. They want to hear about the threats and lies and harrassment of the company. Do not worry ripoffreport- this is the real deal and I hope you leave the contact info up. Feel free to check it out yourselves.

If this goes national camco is finished because alot of people watch Fox and an informed consumer will never be a victim of camco's criminal tricks again. Also, I have talked to a few NACA attorneys and they stated camco's latest trick is to either threaten or actually pull multiple hard inquiries in order to make you pay a nonexistent bill. This is called poisoning your credit and it is illegal.

Also Camco has put up something like 244 million in debt for sale to the highest bidder which means everything will start over again with a new agency i.e. whitewing financial or merchant credit guide. Your rights are still the same and if you asked for validation of the debt and they sent none and sold it you can go after them. Do not worry about me- I know enough attorneys and high up government employees to annihilate them should they ever dare sue me. Here is the information. BE HEARD!!!!

We're doing a story/investigation for Fox11 News in Los Angeles about
the scam

Please call either:

Dan Leighton: 310-877-3392
email: leighton@fox11LA.com

or Martin Burns at 310-466-4567

If you'd rather us call you, you can email us over the weekend with
your ph# -- use fox11news@hotmail.com (I can only check this email when
I'm at the station)

Thanks for your help...

Dan Leighton
Sr. Producer
Fox11News/Los Angeles
_________________

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#19 Consumer Comment

LOL Shannon. I am just a consumer protection advocate who has had enough of your company's illegal doings

AUTHOR: Scott - (U.S.A.)

POSTED: Sunday, July 04, 2004

I heard about the little meeting between camco and jessie riddle on me. I also heard you guys thought I was some guy named Scott who worked for Camco. HAHAHA. I have never worked for Camco and I am not the Scott in question. In fact, I have never even had a bill with Camco. I am just a consumer protection advocate who has had enough of your company's illegal doings. Now I am getting ready to do a news story with a major television studio on Camco. Choke on that one. I assume all 500+ people here are making things up also? The illinois AG is probably up over 600 complaints now and there were so many FTC complaints they fined your company 300k. I guess everyone was lying also. I get 10-15 emails a day from camco victims and I assume all of them are lying also. Well Shannon if I hear your name associated with a single bit of abuse I will personally pay their legal fees to see you and camco get sued.

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#18 Consumer Comment

Can you believe Shannon is that STUPID!!

AUTHOR: J.W. - (U.S.A.)

POSTED: Saturday, July 03, 2004

Shannon, please go back and get a decent education. Your post is almost unreadable. As far as you working for CAMCO, having read your post, I can see that you're probably limited as to where you can work.

Since you're at CAMCO now, I am assuming Wendy's didn't pan out for you. Sorry. As for CAMCO, yeah I received a letter a little over a year ago from a Greg Crawford, several letters in fact. Well, to let you know just how STUPID you CAMCO idiots are, your response to the Illinois AG was that there was not now nor has there ever been anyone working there named Greg Crawford.

That's funny, because I have several letters on CAMCO letterhead with that name printed and signed on them. Oh well, since we all know the intelligence level of the people that work there, that doesn't surprise me at all. You people are a joke!!

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#17 UPDATE Employee

WAKE UP PEOPLE SCOTT IS A LIER

AUTHOR: Shannon - (U.S.A.)

POSTED: Thursday, July 01, 2004

OKAY PEOPLE IF SCOTT WERE BEING HONEST about being attact by camco emoloyees then why hasn't he reported any of it hello he isn't being honest. ialso i work at camco the training that he mentioned is completly false. we have all heard aboujt how scott collected his money he was a top dogg until he himself broke the fdcpa rules and got canned don't let him fool you it's up yo you weather or not you pay your bills but don't be fooled by scott's attempts to bash a company that he made a lot of money from

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#16 UPDATE Employee

WAKE UP PEOPLE SCOTT IS A LIER

AUTHOR: Shannon - (U.S.A.)

POSTED: Thursday, July 01, 2004

OKAY PEOPLE IF SCOTT WERE BEING HONEST about being attact by camco emoloyees then why hasn't he reported any of it hello he isn't being honest. ialso i work at camco the training that he mentioned is completly false. we have all heard aboujt how scott collected his money he was a top dogg until he himself broke the fdcpa rules and got canned don't let him fool you it's up yo you weather or not you pay your bills but don't be fooled by scott's attempts to bash a company that he made a lot of money from

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#15 UPDATE Employee

WAKE UP PEOPLE SCOTT IS A LIER

AUTHOR: Shannon - (U.S.A.)

POSTED: Thursday, July 01, 2004

OKAY PEOPLE IF SCOTT WERE BEING HONEST about being attact by camco emoloyees then why hasn't he reported any of it hello he isn't being honest. ialso i work at camco the training that he mentioned is completly false. we have all heard aboujt how scott collected his money he was a top dogg until he himself broke the fdcpa rules and got canned don't let him fool you it's up yo you weather or not you pay your bills but don't be fooled by scott's attempts to bash a company that he made a lot of money from

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#14 Consumer Comment

Scott your posted e-mail address did not work.

AUTHOR: Alfredo - (U.S.A.)

POSTED: Friday, June 18, 2004

Scott,

I failed to complete my earlier comment; but, I was unable to e-mail you at your posted hotmail e-mail address. Are you still assisting with the draft of a Cease and Desist letter to CAMCO? If so, can you provide your updated e-mail address?

Thanks,

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#13 Consumer Comment

Scott's Email Address

AUTHOR: Alfredo - (U.S.A.)

POSTED: Thursday, June 17, 2004

Scott,

I just attempted to e-mail you a request for cease and desist letter to CAMCO.

Thanks,

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#12 Author of original report

More news on camco

AUTHOR: Scott - (U.S.A.)

POSTED: Thursday, May 06, 2004

There is even more news coming out on this scam company and I wanted to bump up my post so that others can be helped. Of course, since I originally posted this thread camco has been hit by the FTC for 300k as many of you know.

Now California is getting into the picture and I will paste the story below.

DA Warns Of Debt Collection Scam
Strong Warning Issued To Consumers

POSTED: 5:35 pm PDT May 4, 2004
UPDATED: 10:12 am PDT May 5, 2004

SANTA CRUZ, Calif. -- The Santa Cruz District Attorney's Office issued a strong warning Tuesday about a collection company that, the office says, is going to extremes to get its cash.

The District Attorney's Office is calling Capital Acquisitions and Management Co., or CAMCO, a scam, saying that dozens of people are being hounded by the company.

Federal regulators, who say the company went too far in trying to collect debts, recently fined CAMCO

Live Oak resident Mary Williams (pictured, left), 75, says she received three calls, claiming she owed about $7,500 in credit card debt from more than 20 years ago. She said the first caller told her if she sent $300, everything would be fine. She also said she received a letter demanding payment, but she called the police instead.


"If this is illegal, what else can they do that's illegal. And if they're targeting other seniors on the Central Coast, I want them to know what this letter looks like and to report it immediately," Williams said.

Williams isn't alone. The Santa Cruz County District Attorney's Office said as many as 30 other people have received threatening calls that cross the line, claiming to deduct money from wages, and even swearing at people on the phone.

If you receive a call from CAMCO, the District Attorney's Office suggests you insist the agent contact you with written verification of any debt that you owe, get the name and phone number of the company and the person calling, and make sure you let them know you don't want to be contacted by CAMCO again.

Last month, CAMCO and a subsidiary, RM Financial Services Inc., settled a lawsuit with the Federal Trade Commission, where CAMCO agreed to pay $300,000 and stop illegal practices, but never admitted to any wrongdoing.

The District Attorney's Consumer Affairs Department said that debts more than 4 years old typically have expired statutes of limitations and that lawsuits are impossible.

The head of CAMCO's compliance department said that if they find someone using the strong-arm tactics, they will be fired.

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#11 Consumer Comment

KUDOS TO SCOTT!

AUTHOR: ALEX - (U.S.A.)

POSTED: Tuesday, March 30, 2004

I WOULD LIKE TO THANK YOU SCOTT, YOU ARE DOING THE PUBLIC A GREAT SERVICE. I TO WAS HARRASED BY CAMCO, AND OUT OF DESPERATION I E-MAILED YOU AND TRUE TO YOUR WORD YOU HELPED ME AND I WAS ABLE TO GET RID OF THIS SCUM COMPANY.TO ANYONE OUT THERE THAT IS BIENG TORMENTED BY THIS COMPANY PLEASE DO NOT SEND THEM A THIN DIME AND LISTEN TO WHAT SCOTT HAS TO SAY ..HE KNOWS WHAT HE IS TALKING ABOUT ,ONCE AGAIN THANK YOU SCOTT FOR THE HELP.

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#10 Consumer Comment

Keep up the good work Scott ..Don't let them get by with telling you your family is in danger.

AUTHOR: Phyllis - (U.S.A.)

POSTED: Tuesday, March 30, 2004

I just received word from the troubleshooter here in Cincinnati that came to our house and did that interview about the settlement Camco has to pay. He did a report on it on the 25th. again. this time about them getting fined. I was ready to jump for joy. Finally those low-lifes are getting things done back to them. We were kinda worried about some kind of action against us when we went on television about them. But it sounds like they are concentrating on threatening you instead. Don't let them get by with telling you your family is in danger. That is ludicris. We have been thinking that we should have sued them when they first cussed my husband out on the phone but we just wanted them to go away,as they have. Keep us informed though on what is going on. you have my e-mail.still.

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#9 Consumer Suggestion

Keep those complaints coming in

AUTHOR: Scott - (U.S.A.)

POSTED: Sunday, March 28, 2004

If you are being harrassed by camco please keep the complaints coming in especially to the FTC and the illinois attorney general. Remember, LEGITIMATE complaints only. Calling to collect is not a legitimate complaint unless you live in wisconsin. They cannot threaten a lawsuit, judgment, or garnishment. They cannot threaten to ruin your credit. They cannot call or write to you after you send a certified cease and desist letter. They cannot call your neighbors or relatives if they know where you live and then only once. They cannot collect on BKed debts. DO NOT pay them a dime or they will steal your bank account blind. Immediately close your bank account. they have been known many times to change check numbers in order to take out more money. If you get a call from riddle and associates or whitewing treat them the same way as you would camco. Riddle works for them and use the word attorney to scare people into paying. He is a powerless thug against a knowlegable consumer. Whitewing is their sister company. If you are dumb enough to pay camco they will sell the debt to whitewing who will badger you again. This message is for the camco officers who I know read this report. your company is the only one out there that knows my name, phone number, and address.

Recently I have been attacked in a variety of ways and I promise you that within 30 days I will know the person who did this and if it came from your office which I am pretty sure it did I will personally see to it that you and the scumbags that did this go to prison for a very long time.

I also personally guarentee a lawsuit so large your company will cease to exist. Keep in mind one of your scummy blooding sucking leeches also threatened my life and those of my wife and children and I have not forgotten your nonchalant answer and non caring answer. You people are evil thieves and your time will come to be judged.

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#8 Consumer Suggestion

Legitimate complaints

AUTHOR: Scott - (U.S.A.)

POSTED: Wednesday, March 17, 2004

Some people are starting to file fraud reports with the post office. Remember to do this only if you are positive you paid the debt or you are positive this debt was never yours. This holds especially true if they declined proof or threatened/blackmailed you into paying. Get those reports in and see my above post if you want personal free help. Remember I need no personal info. You may use an anonymous email address from hotmail or yahoo. I simply need your state, age of debt, type of debt, and threats made. Also, there is a class action lawsuit that covers all states and originates out of Michigan. There is another class action lawsuit that is possibly being started out of North Carolina.

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#7 Consumer Suggestion

either is fine, just say 'all calls may be recorded'.

AUTHOR: Scott - (U.S.A.)

POSTED: Thursday, February 26, 2004

Remember if they continue and you need to tape just say 'all calls may be recorded'. If you do not have one present then record the date and the time of the call. The one problem with handwriting is if you did go to court you do not have an exact copy of what you wrote which you would have if it was printed from a computer. If they continue to call then contact me through one of my main postings and I will help you out with a letter, posting it below...

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#6 Consumer Comment

amazes me that these people can do this stuff.

AUTHOR: Teri - (U.S.A.)

POSTED: Wednesday, February 25, 2004

I did send it certified mail to the post office. Does it need to go to a physical address or is a PO Box sufficient? It just amazes me that these people can do this stuff.

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#5 Consumer Comment

amazes me that these people can do this stuff.

AUTHOR: Teri - (U.S.A.)

POSTED: Wednesday, February 25, 2004

I did send it certified mail to the post office. Does it need to go to a physical address or is a PO Box sufficient? It just amazes me that these people can do this stuff.

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#4 Consumer Suggestion

Did you send it certified mail?

AUTHOR: Scott - (U.S.A.)

POSTED: Tuesday, February 24, 2004

If not they will deny receiving it.

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#3 Consumer Comment

They were so nasty in the first place

AUTHOR: Teri - (U.S.A.)

POSTED: Monday, February 23, 2004

Scott, I sent a cease and desist letter before I read this post, but I hand wrote it and signed it. Are they going to be able to use that against me?? Now I am really scared. They were so nasty in the first place. They called me about something from 1986.

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#2 Consumer Suggestion

Camco's training- is this familiar?

AUTHOR: Scott - (U.S.A.)

POSTED: Monday, February 23, 2004

Here is a little bit of how camco trains. This is word for word from a camco manager. I would bet some of this sounds familiar.
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I was trained to break the FDCPA by Mario Bianchi. In my interview he told me, this is how you collect these accounts because they are so old. "Tell them you will put a block on their credit and notify all of their creditors to shut down credit lines until our debt is paid. The debt was not on your credit for a full seven years so we can place it back on there as the creditor of the account now."

If a debtor insisted the account was not theres Mario taught us how to go on a skip trace site called Accurint and look up the open date on the debt and then look up the address they were living at on accurint at the time the debt originally charged off and then say. "Were you living at such and such address at the time this debt went delinquent?" The debtor would then say, "Yeah I was." Then at that point we would do a person search of everyone at that address and find a man or woman with that same name around the debtors age and tell the debtor, "Do you know a James Smith?" The debtor would always say, "Yes that's my ex husband or my father or whatever." Then we pull it all together for the debtor and say, "Well, it looks like this account was opened up on Lake Street (Lake Street the prior address the debtor was at when the account went delinquent.) and it went delinquent in 1992 at this Pryer Street address and we were receiving payments in your name and the name of James Smith. It looks like he opened this account without your knowledge but because the two of you were married at the time you can't file fraud." The rest of the talk-off I was taught goes like this:

Debtor: I have to be able to do something. Can't I get statements, validation or file fraud?

Collector: You can't get any kind of documentation on this account because 3 years after a debt goes delinquent if this was not filed under fraud or bankruptcty by law the original creditor and Camco does not have to provide you with any statements or any information because you had three years to do that. The debt is purged off there system. Besides that anything paid on for over 12 months is not considered a fraud because someone who is going to commit ligitimate fraud against you would not continue to pay an account for that long.

Debtor: What do I do then?

Collector: The only thing you can do is wait until a block is issued on your credit electroniclly today or you can take the settlement we are offering. Now we can do a balance transfer and have your credit card company send us a direct check or put the funds in your checking account and we'll do a check by phone.

Debtor: What's a block?

Collector: A block is when we notify all of your creditors by phone mail and fax and have them shut down your credit lines until you pay us back. Because we are not a collection agency, we are an acqusitions firm goverened by the federal goverment and we are the largest acqusition firm in the country out of 3 so we are the only ones alotted by the goverment to issue these blocks on the credit.

At this point the debtor would pay.

Mario had me type up all of this so we could secretly pass it out to collectors. I ened up giving a copy to a friend until we got it smoothed out and told him not to give copys out but he gave copies to the whole office so when Mario went back to IL. the new general manager wanted me and her to give out talk off class's to the new collectors and we did using the outline I just gave you. This is what I did to keep my job.

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#1 Consumer Suggestion

The only way people will know about the abuse is if you tell others about the abuse.

AUTHOR: Scott - (U.S.A.)

POSTED: Wednesday, February 18, 2004

Let your friends, neightbors, co-workers, ect know about this company. If you have been badly abused call your TV station. More and more I am hearing from people who got their camco story on the news and thousands of other people watched them and realized what a scam this is. File your LEGITIMATE complaints.

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