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I would like to remind everyone that when a third party debt collection company purchases your information, you have no contractual relationship with them nor any financial obligation with them.

They try an convince you to establish a contract with them through deception. Do not agree to anything. If a debt is in collection, the original creditor has charged the debt off and expensed the debt on their tax returns. They have been made whole for the principal, and are only entilted maybe to the interest on the loan.

Contact a lawyer.




I've heard that before. Do you have any case law to cite?

Sub: #1 posted on Tue, 01/23/2007 - 07:57

outlaw8117 outlaw8117

(Posts: 164 | Credits: 51.47)

As long as you DO NOT agree to send them a payment? You do not have contractual obligation....once you send 'em a payment, your on the hook! Always, always get confirmationoif the debt & ownership. Do everything by mail!

Then you have a paper trail, ect, ect & it makes it real tough for the fly by night third party bullshitters to stick it to you.

*kapeesh*??

Sub: #2 posted on Tue, 01/23/2007 - 16:37

texasconsumeractivist texasconsumeractivist

(Posts: 664 | Credits: 12.98)

I posted something in the Identity Theft forum about something like this. I am stuck in a third party collections job for the time being and it is no day at the beach, it really sucks and the accounts are not worth the paper they are printed on.

Sub: #3 posted on Tue, 01/23/2007 - 16:57

Jedi Mistress Ari Jedi Mistress Ari

(Posts: 2192 | Credits: 315.45)

Who is the third party & where they from ms jedi?

Sub: #4 posted on Tue, 01/23/2007 - 17:03

texasconsumeractivist texasconsumeractivist

(Posts: 664 | Credits: 12.98)

I work for ESM Enterprises in Pensacola, the accounts come from Arvesco which I believe is in New York. Did you see my post in the Identity Theft forum? It may be of some particular interest to you.

Sub: #5 posted on Tue, 01/23/2007 - 17:09

Jedi Mistress Ari Jedi Mistress Ari

(Posts: 2192 | Credits: 315.45)

Sub: #6 posted on Tue, 01/23/2007 - 17:10

Jedi Mistress Ari Jedi Mistress Ari

(Posts: 2192 | Credits: 315.45)

How is that going, by the way, Ari?

Sub: #7 posted on Tue, 01/23/2007 - 17:14

SUEBEEHONEY70 SUEBEEHONEY70
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(Posts: 4590 | Credits: 654.65)

Well Sue, the girls I work with are good company and they make the workday go more smoothly, the accounts still don't sit well with me.

Sub: #8 posted on Tue, 01/23/2007 - 17:17

Jedi Mistress Ari Jedi Mistress Ari

(Posts: 2192 | Credits: 315.45)

I'll have to go research the figures on Identy Theft. One thing is for certain though, It's the easiest way to aquire the financial assests of someone else and/or destroy them.

Been there, done that!

Sub: #9 posted on Tue, 01/23/2007 - 17:26

texasconsumeractivist texasconsumeractivist

(Posts: 664 | Credits: 12.98)

The expression "whistle blowing" is coming to mind.

Sub: #10 posted on Tue, 01/23/2007 - 17:28

Jedi Mistress Ari Jedi Mistress Ari

(Posts: 2192 | Credits: 315.45)

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