I am very happy to have found this site!! I have to say that you really do a very good thing here. Its sad that we find ourselves in a place like this, but bad things happen to good people. In saying that people should not be treated even worse then we already feel - as they have no clue what is going on in our lives to have ended up here in the first place.
Anyhow Please do forgive me for the double post as I should have started my thread here. To begin I also had a lovely encounter with Allied Credit Financial / Attorney John Frye Office yesterday ...
These guys were down right evil from get go! When they called my house my daughter had answered the phone & this guy asked for me & my daughter asked who was calling & he told her its David & that he doesn't have time for this to just put me on the phone now!
When I saw her face I got on the phone to see who it was & this man David Bennett was just horrible as he started to beraid me telling me he is an Attorney with John Frye & that he was getting papers ready to sue me for this past due account etc...........
I interrupted his verbal abuse to ask him why he felt the need to scare my daughter like that & how he got an unlisted phone number & why is he calling me at 7:30 at night.
He then just got even more belligerent with me as he now started to rattle off my life story, as he was reading it from my TRW & telling me basically what a loser I was & that I needed to settle this account with him right here & now....
He wanted me to settle for $1900 on a $2400 hundred dollar debt that yes I do owe, and told me if I didn't make these arrangements with him right now and agree to the settlement amount they were offering me that they were going to go & put a lien on my house. He told me that he wanted me to pay this lump sum payment right now & for me to go & get my check book so that we can finish this up right now...
I told him that I could not believe this is happening!! I told him that I had tried to settle the debt with the Original Creditor (Providian) in trying to send them something & they wouldn't hear it. I then asked Mr. David if Providian had written the debt off & sold it to them.
He would not answer - instead he just went off even more going on about what he is going to do to me etc... so while he was doing all this, I went on the internet & pulled up my TRW & low & behold I told him that I see that Providian has written off the debt as it now shows on my TRW...
So then I tell him why didn't he answer my question? I then said to him that as far as I was concerned I did not have a "contract" with them in regards to paying this debt.
I told him that the contract I had was with Providian and since they have now written the debt off then the debt according to them is done with!! And I told him that I will not sit here and be verbally abused by some second party who like vultures went and bought the debt for pennies on the dollar!!
He at this point freaked & told me to hold on.... so what do you think happened next... this new guy comes on Doug Hibbs (yeah funny love fake names I wonder if he is relations to Bud Hibbs (budhibbs.com) so now here goes bad cop good cop!
This guy was soft spoken very sweet very calm & polite etc... and basically he profusely apologized to me for the other guys actions in the way he spoke to me & wanted to know what "he" can now do help to settle this. I told him I would be glad to make payment arrangements & that I can send in $20.00 a Month as that is all I can barely afford to do right now.
Mr. Hibbs told me that he was so sorry but they cant & don't make any payment arrangements and that since it has reached this point and is now in their hands that it has now gone "beyond that" & that I needed to either take a loan, find a family member or someone to loan me the money now to make this lump sum settlement payment or he would "sadly" have to turn this over to a lawyer here in my state (Michigan) to sue me for this.
I told him well I am sorry then as you gotta do what you gotta do. I can only give what I have as it is all I can afford. I told him that if we go to court I guess I can try & make arrangements with the judge & let them know that I did try to settle with you & you wouldn't hear of it .... boy did his demeanor change then!!
Mr. Hibbs went into loud & abusive mode & bluntly stated well we also can just take it from your house as you do own property & he suggested for me to either take a loan on the house or refinance it before they take it as this is just a warning on what we can do to you form here if you don't make some kind of agreement with us right now to pay this off.
I told him I was done with the conversation and asked for his mailing address so I can send him a CD letter... he wouldn't give it to me he instead gave me a P.O. Box address & uttered how if I did send him this letter it will be the last thing I will ever do as I will definitely regret it...
I hung up after that...here it is today and who do you think is calling bright and early this morning! I would so love to know how they got my number as I am going to call the phone company to find out & then have it changed!
Does anyone have a physical address for these people? Does anyone else have any info on this law firm / collection agency or whatever they are.. thanks
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