West Asset Management Estate calls to Widow RE: Credit Card Debt Omaha Nebraska

"Dani",

First of all it is NOT a "C&D" [Cease and desist] letter. There is absolutely no such thing in collections under the FDCPA. It is CLEARLY called a CEASE COMMUNICATIONS REQUEST as per the exact verbage of the FDCPA. Learn how to read.

As far as your statement that the letter has to be signed, there is no provision for that in the law either. A printed name and/or initials is just fine.

You are obviously an idiot, and that is why you are doing third party debt collections.

Get an education before spouting jibberish.

>>>
Submitted: 7/22/2008 10:30:24 AM
Modified: 7/22/2008 7:41:28 PM Dani
Clive, Iowa
U.S.A.

Now who's the liar and thief?
Wow Steve, you have sure shown your true colors. So what your saying is that you love to take out loans, agree to the terms of that loan, and then not pay for said loan? Yes, responsible lending is an issue and I think creditors need to look into it more, but you seem like the deadbeat we collectors are talking about. I bet you've filed bankruptsy at least 3 times already haven't you?

First of all, that C & D letter has to be signed or it's no good. All legal documentation has to be signed. It might be a good idea to notarize it too. Creditors and banks are not your babysitters. Steve, it's people like you that my awesome credit history mean nothing because banks and lenders need the interest to stay in business.


>>>

"Dani",

First of all it is NOT a "C&D" [Cease and desist] letter. There is absolutely no such thing in collections under the FDCPA. It is CLEARLY called a CEASE COMMUNICATIONS REQUEST as per the exact verbage of the FDCPA. Learn how to read.

As far as your statement that the letter has to be signed, there is no provision for that in the law either. A printed name and/or initials is just fine.

You are obviously an idiot, and that is why you are doing third party debt collections.

Get an education before spouting jibberish.

>>>
Submitted: 7/22/2008 10:30:24 AM
Modified: 7/22/2008 7:41:28 PM Dani
Clive, Iowa
U.S.A.

Now who's the liar and thief?
Wow Steve, you have sure shown your true colors. So what your saying is that you love to take out loans, agree to the terms of that loan, and then not pay for said loan? Yes, responsible lending is an issue and I think creditors need to look into it more, but you seem like the deadbeat we collectors are talking about. I bet you've filed bankruptsy at least 3 times already haven't you?

First of all, that C & D letter has to be signed or it's no good. All legal documentation has to be signed. It might be a good idea to notarize it too. Creditors and banks are not your babysitters. Steve, it's people like you that my awesome credit history mean nothing because banks and lenders need the interest to stay in business.


>>>

Never pay a third party scum bad collection agency period!!!
Sued one and WON yet they have not payed me a DIME - so who is the deadbeat???
Stay off the phone
Go to www.budhibbs.com and get informed about these scumbags!

To Steve, I also tell the collection agencies to get a real job.
I actually made one of them cry...that was many years ago. I had paid my monthly credit bill and started getting collection calls. Even with a cancelled check that I copied and mailed to them, (not sending the original for obvious reasons) they would still not believe that I had made the payment....way before we had on line banking, LOL!

Anyway, these arrogant people that work for bottom feeder companies really get to me. They assume that they are in the right and that we are all scum. I have worked my entire life, raised 4 children, went to nursing school after my second child was born, and have a husband that also worked since he was about 14 and is now disabled and we are trying to survive on his disability and my income. I'm sure that most of these collection calls are made by people in debt also. They talk to you like they have never been late with a payment or simply did not have the money to pay a bill (been there and done that myself.....I am not rich, just trying to survive)
What I don't understand is, if you don't have the money, what are you supposed to do? I mean, what do you do? Write a check that you know is not going to be good just because they are insisting? When it comes down to paying some bill collector, or buying food, what do you think you are going to choose? Just wondering how people are surviving with everything going on with unemployment, etc. Maybe some of these bottom feeders will get laid off and will start getting collection calls! LOL Of course, they would never admit it, because they are in the right and everyone else is wrong.

"Dani",

Why file Bankruptcy? There is no need.

That is the whole point here! If I filed BK, I would never have to deal with a collector, right?

Now to the other punk as well, don't get self righteous with me, I started working when I was 13 and am now 45. If you add it all up, I MIGHT have 1 year of unemployment compensation in that time.

The point with the unemployment check being right on top of the new credit card with a 15k starting limit is that my ability to repay was never verified in any way! Although I did have a 735 credit score and 14 years of spotless payment history, that is still irresponsible lending.

Stop the irresponsible lending and most of the collections issues will go away. Just look at the "mortgage crisis". Irresponsible and even predatory lending, and then when the lenders are going belly up because of it, the govt bails them out! There should be no bail out. They should just crash and burn for their irresponsible, unethical, and predatory practices.

FYI...I never borrowed money without intent to pay, so get off your moral high horse. Look in a mirror...You are still a debt collector...Third party at that!
aka: Bottomfeeder

"Dani",

Why file Bankruptcy? There is no need.

That is the whole point here! If I filed BK, I would never have to deal with a collector, right?

Now to the other punk as well, don't get self righteous with me, I started working when I was 13 and am now 45. If you add it all up, I MIGHT have 1 year of unemployment compensation in that time.

The point with the unemployment check being right on top of the new credit card with a 15k starting limit is that my ability to repay was never verified in any way! Although I did have a 735 credit score and 14 years of spotless payment history, that is still irresponsible lending.

Stop the irresponsible lending and most of the collections issues will go away. Just look at the "mortgage crisis". Irresponsible and even predatory lending, and then when the lenders are going belly up because of it, the govt bails them out! There should be no bail out. They should just crash and burn for their irresponsible, unethical, and predatory practices.

FYI...I never borrowed money without intent to pay, so get off your moral high horse. Look in a mirror...You are still a debt collector...Third party at that!
aka: Bottomfeeder

"Dani",

Why file Bankruptcy? There is no need.

That is the whole point here! If I filed BK, I would never have to deal with a collector, right?

Now to the other punk as well, don't get self righteous with me, I started working when I was 13 and am now 45. If you add it all up, I MIGHT have 1 year of unemployment compensation in that time.

The point with the unemployment check being right on top of the new credit card with a 15k starting limit is that my ability to repay was never verified in any way! Although I did have a 735 credit score and 14 years of spotless payment history, that is still irresponsible lending.

Stop the irresponsible lending and most of the collections issues will go away. Just look at the "mortgage crisis". Irresponsible and even predatory lending, and then when the lenders are going belly up because of it, the govt bails them out! There should be no bail out. They should just crash and burn for their irresponsible, unethical, and predatory practices.

FYI...I never borrowed money without intent to pay, so get off your moral high horse. Look in a mirror...You are still a debt collector...Third party at that!
aka: Bottomfeeder

"Dani",

Why file Bankruptcy? There is no need.

That is the whole point here! If I filed BK, I would never have to deal with a collector, right?

Now to the other punk as well, don't get self righteous with me, I started working when I was 13 and am now 45. If you add it all up, I MIGHT have 1 year of unemployment compensation in that time.

The point with the unemployment check being right on top of the new credit card with a 15k starting limit is that my ability to repay was never verified in any way! Although I did have a 735 credit score and 14 years of spotless payment history, that is still irresponsible lending.

Stop the irresponsible lending and most of the collections issues will go away. Just look at the "mortgage crisis". Irresponsible and even predatory lending, and then when the lenders are going belly up because of it, the govt bails them out! There should be no bail out. They should just crash and burn for their irresponsible, unethical, and predatory practices.

FYI...I never borrowed money without intent to pay, so get off your moral high horse. Look in a mirror...You are still a debt collector...Third party at that!
aka: Bottomfeeder

Steve I find it very ammusing that you tell me to get a real job but in the same breath state you were receiving unemployment. How is a bank suppose to practice responsible lending when you lie on your credit applications? As for my time away from this website, Steve I actually have a life I don't get on here everyday like you. By the was, speaking of good jobs how is Rent A Center treating you?

I find it funny that you tell me to get a real job. I have never been laid off, I have never been without work while working in the collection industry. Seems to me that you have had a lot of time to think of witty things to say while you were at home on unemployment.

All that time and the best you could come up with is Bottom Feeder? Really? I get called worse by people who are twice the man you appear to be. Maybe if you spent less time trying to avoid the debt that you charged in good faith or jamming up fax lines you would be able to get that job that you need to help pay your bills. Just saying.

I also find it ammuising that most people like to insult people in my industry, name calling is the norm. I have never raised my voice to anyone, I have never need to use foul language, nor have I even used childish language to make fun of the other person on the phone.... however.... hipocracy runs rampant. You have no idea who I am, how I am on the phone, you assume that I am slime. Nice. I understand that it is embarrassing to not be able to pay the obligations that you signed up for, no reason to take it out on me.

Why would I want a better job? I am a college graduate (University of Nebraska at Lincoln 1999) I am a former teacher. I make 3 times more money collecting than I ever did as a teacher. I make that money with half the stress. I enjoy what I do, can you say the same.

Finally I find it hard to believe that you recieved a credit card with a $15K balance out of the blue. It is against Federal LAw to issue credit without getting a request first. As far as financial backgrounding, you are required to put your income on any application. If you lied to get the credit card, that is your problem not the banks. Your credit score and amount of credit cards you are requesting at one time all play a factor.

If your debt to income ratio is low, and you are paying your bills on time you deserve a good creidt line because you have shown that you are responsible. Obviously if you lied on you app (by the way a legally binding document and lying on it can prevent you from filing for bankruptcy.) I feel no pity for you.

Wow Steve, you have sure shown your true colors. So what your saying is that you love to take out loans, agree to the terms of that loan, and then not pay for said loan? Yes, responsible lending is an issue and I think creditors need to look into it more, but you seem like the deadbeat we collectors are talking about. I bet you've filed bankruptsy at least 3 times already haven't you?

First of all, that C & D letter has to be signed or it's no good. All legal documentation has to be signed. It might be a good idea to notarize it too. Creditors and banks are not your babysitters. Steve, it's people like you that my awesome credit history mean nothing because banks and lenders need the interest to stay in business.

To the OP,

Never even answer those calls! Use your caller ID, and if you don't have it, GET IT TODAY!! Very important. Do not ever answer any unknown call.

There is absolutely no reason for you to ever speak to a third party debt collector / junk debt buyer / bottomfeeder on the phone. It will NEVER produce positive results for you, and can only make things worse.

As far as an estate goes, you are not in any way legally responsible for a deceased relative/spouse's debts unless you were liable for them while they were alive. But don't do the bottomfeeders job for them! Make them do what they have to. Make them earn their money.

Just send a CEASE COMMUNICATIONS request as per your rights under the FDCPA. Send this by certified mail, return reciept requested. Be sure to put the certified number on the letter itself, and keep a copy for your records. This procedure is very important.

Do not sign the letter and do not give them ANY information other than your mailing address and the numbers they have been calling.

It is also fun to pound their fax#'s with about 100-150 copies per night, then they cannot say they didn't get it. Teach those punks the definition of harassment.

Now, for the JohnnyPayMe's of the world, GET A LIFE, and a REAL JOB. You are a punk who knows nothing. Just like most third party collectors. I see you have not been on here for several months. Did you just get out of jail, or drug rehab?

Lets get some perspective here. It's called responsible lending. When lenders start being responsible, I will start feeling sorry for them.

However, the fact is, they extend credit to most people without ever determining a true ability to repay. I have had cards for 14 years and never once was asked for proof of income/expenses, etc. I was recieving cards in the mail with $15,000 starting limits while I was on unemployment! I must say that its real nice to have $15k laying right under your unemployment check in the mailbox!

That's like throwing food to a starving person. Of course they are going to eat it.

I will say this. I have worked for various collection agencies throughout my career, I have worked 3rd party, 1st Party, Cease and Desist, and Probate paper. I have seen it all. The problem with most of the complaints is that you all blame the company involved with the situation as opposed to the person on the phone. You all have these mental images of a 300 pound guido with slicked back hair and gold chains and rings. I am sure that there are some agencies that operate under this preconcevied notions.
One of the best agencies I have ever worked for was Omnium Worldwide in Omaha NE. They were recently purchased by West Asset MAnagement.

I can not vouche for West's operations in Stockton, Tucson, Marietta, Des Moines, or Endicott, but their probate department in Omaha is Top Notch. There are always going to be collectors that break the rules, that is why the FDCPA was put into place. If you call them on you will walk away probably richer. The employees at West/Omnium go through extensive FDCPA training, they are monitored almost daily, and have compliance meetings with their supervisor twice a month. IT is something that management takes very seriously. To accuse all of them being liars and thieves is like saying that all men are sexist or all women can't drive etc.

The bigger issue is what the probate department does. It is not an easy process for anyone to have to lose a loved one. However, their are matters that need to be delt with in everyones passing. West/Omnium is contracted by clients (none of the debts are purchased) to investigate these matters and attempt to collect on them. In the 5 years that I worked there I know of 6 violations that caused a settlement payout and in each of those instances the agent in question was terminated.

The thing I find facinating is that most of America hates Collection Agents. All of you realize that there is over a Billion Dollars worth of Debt charged off each year, and of that over Billion Dollars collectors recoup only about 11% annually. The rest of that money is never seen again. You get to keep the TV's, Refridgerators, CD players, memories from your trip to Disney World, but the Bank loses out. You can tell me all about interest rates etc but each and everyone of you is fine with the Finance charges and interest when you get the card but suddenly get upset when said card gets close to the limit.

To that point, if you have impecable credit and your interest rates are high, start being upset with your fellow consumer who lets their debt get charged off, or the family of you fellow consumer that does not pay for Deceased loved ones debt. The ammount of debt that is written off has caused Interest Rates to inflate. Banks do not just willy nilly raise interest rates to hurt a consumer in Sioux Falls SD. You are their income, without you they go bankrupt as well, however it is a business and they do need to make money. You do not yell at your grocery store when they raise the price of baked beans. You understand that is inflation and the price of doing business.

To my point there are sleeze bags in my industry, but I assume their are sleeze bags in yours as well. Do not lump us together. We are not one entity.

Let me just break something down for you a bit. You obviously received some type of good or service and didn't pay for it correct? Or you would not have a collection agency calling you in the first place correct? But rather than pay what you owe you send a cease and desist so you don't have to hear from the people you owe. Maybe you can give me a definition of liar and thief that your actions do not fall under. You would have signed some type of agreement agreeing to pay for said goods or services you received, however you never paid for them. That pretty much equates to you being a liar and a thief!

I had dealing with these Goons a few years ago
Sent them a cease com letter and they by cmrrr and they continued to call 23 times i filed a suit and got $23,000.00 from them for fdcpa violations
your best bet is to send them a cease com letter by cmrrr and if they call you again log all the conversation or better yet record it and Sue for violations
These people a real morans
cmrrr is certified mail return receipt requested
There are plenty of cease com letters on the net such as Bud Hibbs and many mire
Another thing tell them there was nothing left from your husband or his estate
DO NOT TURST THESE PEOPLE THEY ARE LIARS AND THIEVES