American National Recovery Group Join me in a lawsuit against American Recovery? Nyack, New York

I should have typed "class action" and not just lawsuit but did not expect an idiot like you to debate this. All this poster states is that "suddenly" a debt is "showing up" from 2001. So on what grounds can this poster sue anyone?

My point is that a lawsuit is the preferred action a consumer should take against a debt collector who violates the FDCPA. Steve is correct that a lawsuit is the preferred action for any CRA, creditor, or debt collector who violates the FCRA.

I await a reasonable answer to that question Mr. ROZbert stalker aka copyright expert attorney software engineer from before there was actual software..but expect as usual, a crock of s**t.

LMAO! Tell us again how you're an electrical engineer! Unlike you, I actually have a BSEE from U.B. (May 2009). I also have 4 AS/AAS degrees. And yes Rozzy, I have authored some programs back in the days of DOS (circa 1985.) And yes, I'm a published author who registered a few copyrights to satisfy the USAFE I.G. so that the USAF could continue to use some maintenance data management programs I wrote for tracking "bad actors."

Explain to us why any company would hire an "electrical engineer" to shlep around under engine hoods to check car batteries. Take your time liar, we'll wait. Let me know if you've forgotten that little rebuttal of yours-I'll be happy to post the ROR link to refresh your memory. Ya know Rozzy, if you didn't post so many BS rebuttals, it wouldn't be so hard for you to remember your stories.

Hey! I noticed you've moved from"d****e" and references to homosexual acts to a feces fixation! LOL!

Typical Rozzy. Now go back to your silly fued with Steve.

First to Steve. This is what you stated here and I quote you verbatim.."And "class action" suits are costly and you get nothing. The lawyers are the only winners"..

So unless "you get nothing" and "the lawyers are the only winners" mean "sometimes", or "normally" or "in general" or anything other then what YOU stated, there is no point in debate.

Now on to ROZbert the internet stalker who stated.."In other words Rozzy, a lawsuit is the PREFERED action that an aggreived consumer should take against a debt collector who violates the FDCPA"...

I should have typed "class action" and not just lawsuit but did not expect an idiot like you to debate this. All this poster states is that "suddenly" a debt is "showing up" from 2001. So on what grounds can this poster sue anyone?

I await a reasonable answer to that question Mr. ROZbert stalker aka copyright expert attorney software engineer from before there was actual software..but expect as usual, a crock of s**t.

Daniel,

There is no such thing as the "FDCA", so I seriously doubt that you "have tried to use it" on numerous occasions as you stated [below].

There is the FDCPA which regulates THIRD PARTY DEBT COLLECTORS, and then there is the FCRA which regulates CREDIT REPORTING activities, etc. Both of these can be found at the FTC website.

The ONLY way to enforce your rights under either act is to bring a civil complaint through our court system at your own expense. Nobody will do this for you.

Now for Ronny G,

Let me clarify on the class action lawsuit thing. My statement should not have been construed as NEVER on getting anything from a class action. It is just very rare that a class action ever brings anything of value to the victims.

Also, the $200 was never the issue here.

It was the illegal collections activity and the resulting damages from that illegal activity.

>>>>

This website has rules to follow when commenting and attacking people that post complaints wastes everyones time.

The FDCA is a joke and it only serves the debt collectors. I've tried to use it numerous times and it never works in a consumers favor.

There is no reason that a class-action could not be arranged however it would be difficult to organize.

If you live and work in Russia and this 'debt' continues to appear on your credit report(s) all you need to do is notify the credit reporting firm of the situation and they would have to further investigate it. If they disagree with you then you have the right to 'note' on the report(s) the situation.

Another thing you could do is send them a cease and desist but being in Russia you would probably not be able to file this without the help of a US attorney.

Have you tried contacting the credit reporting companies

Ronny, you are the one who is clueless here.

First I never said that class action suits could never bring the consumer anything. That's just the way it normally works. And, when they do actually gat an "award", it is so small that it is insulting. Let me re-phrase....USUALLY not worth it on the class action lawsuits.

Now, to the REAL issue here that YOU don't understand.

It was NEVER about the $200. The $200is not the basis fordamages that would be sued for by the OP here.

The "damages" would come from the reporting of a collection account to this persons credit reports. This erroneous reporting could knock down that persons score 50 or more points. This could cause the OP to lose a job opportunity, a promotion, a security clearance, etc. THOSE are the "real" damages.

Under the FCRA, the OP could sue for up to $1000 in statutory damages, plus costs, as well as any real damages such as those noted above, or anything else that brought adverse consequences due to the frivolous collections.

This could potentially bring tens of thousands of dollars.

Then, there are potential FDCPA violations as well, and also state collections laws violations.

Big picture here.

Read the Fair Debt Collection Practices Act!!!

The consumer MUST SUE to collect damages. The FDCPA allows for STATUTORY DAMAGES of up to $1000 plus reasonable attorney fees and court costs.

The FDCPA allows for UNLIMITED REAL DAMAGES that the consumer can PROVE; insomnia, higher interest loans, denied credit, denied job, higher insurance, interest rates, etc.

Suing the debt collector is the ONLY METHOD for a consumer to recover damages from a debt collector who violates the FDCPA.

A class action is NOT NEEDED. The aggrieved consumer should file his/her own complaint with the appropriate Federal District Court. There are many attorneys who advertise to SUE DEBT COLLECTORS with little or no upfront fees (filing fee here is WNY Division is $275..)

In other words Rozzy, a lawsuit is thePREFERED action that an aggreived consumer should take against a debt collector who violates the FDCPA

I would agree in this case a lawsuit is useless. It is just some scammers trying to collect a debt, there is not any money of yours they actually took for you to sue to get back. You can only press charges for harassment but is that even worth your time? Just hang up on them. Even if you really owe this debt it is from 2001..it is now 2011, wey past any statute of limitations. And even if it was not, next time they call tell them to send you documentation of who and what you owe this debt to..that you know it is a scam, and hang up.

Now where I disagree with Steve is the generalization that all class action lawsuits will get you no money. I did not even know eBay motors recently settled one but I was notified by email around a week ago that I am going to receive 6.7% of all my seller fees back since 2005..I have no complaints and even though I did not even know eBay motors overcharged me in any way, I am glad that once in a while, the "system" can work for the little guy against the giants. Makes me proud to be an American. Just like with the bank lawsuits...sometimes, lawsuits are all we have, but most of the time the case won't even make it into a court room. It has to be HUGE, and there has to be specific and clear grounds...otherwise it is a waste of time. ANYONE can "form" a class action lawsuit..all it takes is signing a document stating you can not ever sue the party as an individual..not always the wisest move.

And now you and Steve know a little about the legal system of the USA. It can work for the little guy but it needs to be worth a case, you need to have evidence of damages and a clear crime committed against you and other plaintiffs or no lawyer will touch it pro bono or even contingency for that matter. Would you really pay a lawyer for some guys trying to collect a $200 debt from 10 years ago? Get real.

Bill,

The only way to enforce your rights in this matter is to bring your own civil suit in court, at your own time and expense.

You don't "join up" for a lawsuit.

And "class action" suits are costly and you get nothing. The lawyers are the only winners.

Get some basic education on your situation before spouting nonsense here and appearing foolish.