Aarons Rent To Own Maken children afraid Buena Vista Virginia

"My bill is due on the 15th they call on the 15th I am never late I have a 5 day grace period."

You are the very definition of a deadbeat- you signed a contract in which you agreed to pay a certain amount on the 15th, and based on your post you never pay it on the day you agreed to pay it.  You use a "grace period" which is 100 percent at the discretion of the creditor. There is no law protecting that grace period.  I do not blame the creditor if they ignore the "grace period" for someone who has decided that a payment every 30 days actually  means a payment every 35 days on a regular basis. 

Like pretty much all the other whiners here, you are a serial deadbeat whose only issue with the creditor is that you don't want to live up to your contract and don't see why you should have to just because they lived up to their end and provided the merchandise you "needed."  You want the law to step in and protect you from the meanies who want you to live up to those contracts or give back the merchandise you are not paying for as promised.  You sign your name and THEN want a one-sided negotiation in which you decide when you will pay and how much, and if the creditor disagrees well, they are just being thugs How Dare They.  

You are the reason these places exist and the interest rates are so high.  You are entitled, whiny losers who are setting a terrible example to your children- "look, kids, if you steal stuff and refuse to give it back, the people you stole from are the bad guys!"  I suspect those kids will be Renters with lousy credit all their lives, too.  

As for the original poster- your kids deserve better than an excuse-bleating bill-avoiding parent.  Pay your bills and you won't have the Big Bad Creditors showing up at your house. 

 My bill for Aaron's is due on the 15th and every 15th they are calling me. My bill is never late. I have a 5 day grace period. It has gotten to the point where I have blocked several of the numbers. They call me every month on the 15th about 3 times in the first day. If my bill is not late then dont call me!! I have phone records to prove this as well. I will never use this company again.

All I will say is you obviously work for Aarons. This being said, you are full of it. My only advice for everyone is to know that there will be those (usually managers and asst, managers) that will either try and confuse those who have been poorly and often illegally treated by Aarons by inserting garbage commentary, based on nothing legal---and in fact contrary to the law--OR they simply are truly ignorant of the law. So the best comment I can make is to get proper legal advice, and certainly not from some dope online that as I said works and defends such companies and their practices.

These are state laws not federal, so you will have to check your state. I have hed these guys call constantly, starting on my due date. I have paid late a couple of times but have always paid. Latest I ever got was 1 1/2 weeks. They would call 10 times a day. I would tell them the situation and always paid when I told them I would. I can undersatnd the first time or 2, but after I have kept my word everytime, they would still harrass me. I sent them a letter with the Florida Statute stating that they could no longer contact me. Pissed them off like you wouldn't belive, but seeing as how I still pay, they can't call me anymore. Then I was 3 days late and they came out and stated that they wouldn't let me renew and I had to turn the TV back in. The guy argued with me for 15 minutes. At that pioint I called the cops and he said "Go ahead, he'll just make you let me take it." Actually the officer showed up, I told him it was a civil matter and that the Aaron's guy refused to leave after being asked to several times. I then had them Tresspassed from my property, and they can't come to my house anymore.

Remember this will work only if you pay. If you don't they will be pissed and take legal action. So only do this if you can stay pretty cuurent. They can still send me letters if I'm late, but they can't call or come out to the house anymore.

These are state laws not federal, so you will have to check your state. I have hed these guys call constantly, starting on my due date. I have paid late a couple of times but have always paid. Latest I ever got was 1 1/2 weeks. They would call 10 times a day. I would tell them the situation and always paid when I told them I would. I can undersatnd the first time or 2, but after I have kept my word everytime, they would still harrass me. I sent them a letter with the Florida Statute stating that they could no longer contact me. Pissed them off like you wouldn't belive, but seeing as how I still pay, they can't call me anymore. Then I was 3 days late and they came out and stated that they wouldn't let me renew and I had to turn the TV back in. The guy argued with me for 15 minutes. At that pioint I called the cops and he said "Go ahead, he'll just make you let me take it." Actually the officer showed up, I told him it was a civil matter and that the Aaron's guy refused to leave after being asked to several times. I then had them Tresspassed from my property, and they can't come to my house anymore.

Remember this will work only if you pay. If you don't they will be pissed and take legal action. So only do this if you can stay pretty cuurent. They can still send me letters if I'm late, but they can't call or come out to the house anymore.

These are state laws not federal, so you will have to check your state. I have hed these guys call constantly, starting on my due date. I have paid late a couple of times but have always paid. Latest I ever got was 1 1/2 weeks. They would call 10 times a day. I would tell them the situation and always paid when I told them I would. I can undersatnd the first time or 2, but after I have kept my word everytime, they would still harrass me. I sent them a letter with the Florida Statute stating that they could no longer contact me. Pissed them off like you wouldn't belive, but seeing as how I still pay, they can't call me anymore. Then I was 3 days late and they came out and stated that they wouldn't let me renew and I had to turn the TV back in. The guy argued with me for 15 minutes. At that pioint I called the cops and he said "Go ahead, he'll just make you let me take it." Actually the officer showed up, I told him it was a civil matter and that the Aaron's guy refused to leave after being asked to several times. I then had them Tresspassed from my property, and they can't come to my house anymore.

Remember this will work only if you pay. If you don't they will be pissed and take legal action. So only do this if you can stay pretty cuurent. They can still send me letters if I'm late, but they can't call or come out to the house anymore.

""These rent to own companies are not without rules and laws as well. At any time you tell them to stop contacting you by phone or in person, in writing, they are supposed to cease!""

Nonsense! Kindly post the applicable law. I've delt with consumer credit issues (counselor) for over 3 decades and I own 2 businesses. I know of NO LAW in any US jurisdiction that if the debtor tells the creditor (oral or written) to cease communication that the creditor is breaking a law by continuing to contact and demand payment.

First of all, these places get away with their bull because people don't involve the law. They should. I had an experience with Aarons. I had been in the hospital and Aarons faxed me an extension form. Someone brought it to be to be filled out and they faxed it back for me. The day after I got out of the hospital, and tried to go back to work I learned that they did not get my fax and therefore my payment was overdue. One of my employees was going to drop off the payment for me that evening. Meanwhile, my 12 year old came home from school and was doing his homework. He was talking to me on an instant messanger and web cam as he was at home and I was at my office.

Suddenly he types in that Aarons is at my house and they want their stuff NOW! I told him not to worry, I would call them again. When I called them, I was instantly put on hold. While I was holding the guys at my house began beating on the door and yelling. My son went to the door and told them to stop picking on little kids and that I was calling. They rudely told my son to open the door so they could get their stuff. They told him that the were going to park in front of our door and were not going to leave until he opened the door and they had their stuff. He told me this on the computer.

When someone finally got on the phone at Aarons, I handed them their heads and told them that if their employees did not leave my home in the next 30 seconds I would contacting the law and having them and their stuff removed and would be filing criminal charges. Aarons office told me that "legally" they are not supposed to be talking to anyone at the home under the age of 18. They actually said "maybe the employee there thought your son was 18". GASP! This kid is 12 years old, he looks more like 10 years old. Trust me, NO ONE could mistake him for 18.

The bottom line is that there are consumer laws that protect consumers in debt collection practices. If you are late on your mortgage, your banker is not allowed to show up at your door, threaten your children and then throw you out. If you dont cure your default, they can involve the COURT and the LAW to have you removed but your banker has rules to follow. Same with your car or anything else. Your car, they can contract a repo man to find your car and take it but even then, they have laws to follow. These rent to own companies are not without rules and laws as well. At any time you tell them to stop contacting you by phone or in person, in writing, they are supposed to cease! That does not mean you wont get letters, or that they wont sue you because they will. But they have laws to follow as well, problem is that no one reports them.

""Rent to Own/Lease to Own. You ARE the debtor they are the Debtee if you owe them money.""

The correct jargon is debtor and CREDITOR - refer to the FDCPA, Section 803, Definitions.

""Rent to own/Lease to own is TOTALLY different then renting Real property.""

Correct.

""With this in mind ALL Rent to own companies and all Lease to own companies, (i.e. Arrons, Rent-A-Center), are governed under the FDCPA (Fair Debt Collectors Practice Act).""

Incorrect. CREDITORS are not required to comply with the restrictions that the FDCPA imposes on DEBT COLLECTORS. Rent to own companies are considered CREDITORS.

""Therefore, by the rental/leasing company coming to your home AFTER 9 PM they were in Blatant Violation Of the FDCPA and you do have grounds for filing a suit against them.""

Nonsense. No suit is justified by the FDCPA in this case.

""if they deny it, have the tachometer in the vehicle checked because it records the time of each stop longer than 1 minute as well as speeds. Hope this helps.""

OH really? Where did you get this nonsense from?

Rent to own/Lease to own is TOTALLY different then renting Real property. With this in mind ALL Rent to own companies and all Lease to own companies, (i.e. Arrons, Rent-A-Center), are governed under the FDCPA (Fair Debt Collectors Practice Act). Therefore, by the rental/leasing company coming to your home AFTER 9 PM they were in Blatant Violation Of the FDCPA and you do have grounds for filing a suit against them. if they deny it, have the tachometer in the vehicle checked because it records the time of each stop longer than 1 minute as well as speeds. Hope this helps.

Pay your bill on time and you won't have to worry about this predatory business coming to your house. If they do come to your house and walk around knocking on windows, first off make sure you have beware of dog signs, second let out your dog preferably really mean guard dog. If you don't have a dog call the police. It is not illegal to knock on your door for a legitimate reason, however it is unlawful to go into your back yard knocking on windows. so when they do call the police and file charges. Of couse if they enter your house, and you state has passed the castle doctrine shoot them then call the police otherwise call the police and defend YOURSELF only.

Then why do you "Lease" from Aaron's if we are so bad. We are not Rent to Own we are Lease to Own. We are continously catagorized in the rental field so as far as the phone books and listings are concerned that is where they are going to put us. Not anything that we have control over or can change. Second of all, when we call people who have not re-newed their agreement (or as you guys say "havent paid the bill) we have the automated system that calls you untill normally the 5th day then an Aaron's employee will call and give you the friendly reminder that your re-newal came due. Once you go 17 days late then you will probably start getting more regular phone calls and maybe a visit or two (especially those who dodge us).

Lastly once your account has gone 22 days or more you will (or should) get a call from the General Manager telling you that your account and agreement has been terminated by you not following the guidelines of the agreement that you signed, and you will probably be getting regular visits from the account dept (which by the way we are more than happy to since we get $10.00 every time we run you...dont beleive me...read your agreement)

First of all - Yes it is Aarons lease to own ( a nice spin on words to her complaint by the responding party) However - the store where I live has employees that refers to the store as Aarons rents and the 411 directory assistance list the phone as Aaron's lease and furniture rental! So rent or lease ownership neither here nor there. Aarons starts calling the minute your payment is late!! Not 4 days of no contact - so if you have solid proof the policy is call after 4 days of no contact is policy then most stores are not following policy - As far as knocking on windows and all around the home - They do that as well - I am out of town a lot and live across from my mother which is where my children stay when I am gone. They tend to leave TV's on when they leave home to go back to my mothers and the employees that have visited my home have knocked on windows more than once.

This lady has a ligitimate complaint and you should not try to spin words to make Aarons look better - They are complete RIP OFFS

Aarons is one that is a LEASE TO OWN Rent a Center is Rent to Own besides Aarons loves to do things for children why would a company harrass a child or a child in your home.... Aarons Only starts calling after 4days with NO contact the key is Contact the store and make arrangements to pay the payment then they cant call or visit you at all

Rent is not considered debt by the law. The law your reference concerns debt collectors and debt - credit - loan. It does not pertain to rentals, whether it's an apartment, car, or TV. Rent is not debt in the eyes of the law until the matter is adjudicated and a money judgement issued.

Late rent is not considered a debt until a money judgement is issued by a court.

I have rental property and I know the game. If a tenant does not pay the rent, I have to go to small claims court to get a money judgement to estiblish a bonifide debt - which I can pass on to a debt collector if I choose, or report to the credit bureaus.

You have rights! According to the federal Fair Debt Collection Practices Act 805(a)COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location;

By them contacting you at 10PM,You have rights! According to the federal Fair Debt Collection Practices Act 805(a)COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer's location;

By them contacting you at 10PM, they are in direct violation of this Act.

The next violation is under 806 (Harassment or abuse [15 USC 1692d]
) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

When your children stated that you were not home and that you did not allow them to open the door, the representative should have left. What your children should have done when the representative became belligerent (by hollering at them), was threaten to call the cops. If they continued to holler, your children should have call the cops and had them arrested for harassment and disturbing the peace.
they are in direct violation of this Act.

The next violcation is under 806 (Harassment or abuse [15 USC 1692d]
) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

When your children stated that you were not home and that you did not allow them to open the door, the representative should have left. What your children should have done when the representative became beligernat (by hollaring at them), was threaten to call the cops. If they continued to hollar, your children should have call the cops and had them arrested for harassment and disturbing the peace.

you have two different companies that i asure you have nothing to do with each other Aarons and rentacenter im wondering witch company you are talking about this could do damage to a company that had nothing to do with your bad experience!?