Rannefeld & Associates; CACH LLC

The statement is from capitalone and the amount is what they're collecting, however the date on the statement says july 2006, and that was when the account was turend over to collections. I'll get around to uploading the papers today or tomorrow on the New post I made a few days ago.

Please do not try and sell your things here. I for one am tired of this and the fact that someone is trying to sell me something. This is a site that helps people get out and stay out of debt. It is not ebay. Enough!!!!

As long as the advertisement is in the 'signature' section of their comment, it really does not pose a problem for me. One can either not buy the laptops or buy them. I don't care if one tries to sell anything, as long as they are not spamming the threads with ads, like some people do.

Your word is gold to me Anthony Lemons, if it is not a problem for you, then it is not a problem for me.


thanks

well im back and see most of you still question the validity of your debts maybe you shouldn't be allowed to have lines of credit since you want to act like you have know idea that you owe money to a debt you ran up no one forced you to get card. If you owe money and want to question something try your credit report im sure your debts are listed on there and if you dont know where your acct is call the original credit im sure they will forward you to the place you supposedly think is some type of scam bottom line if you really wanted some proof rqst a letter with company letter head faxed and stop wasting time which is what most debtors always are trying to buy.

Ah, the ol' double posting tactic, to display how obnoxious one is. Pro collect, I need to ask you a question, and I will request only a mature, rational answer, if you could possibly accomodate me. Are you commenting here in hopes to somehow inspire people, or do you visit only to pass around child-like remarks? I would like to say, that if you are here to be unproductive, then go find a site that humors your sort of sick comedy.

Well it started off as two duplicate posts until the moderator genie swooped in. :lol:

procollect, I still have not figured out why you are here spinning your wheels. You have done nothing in this topic but accuse people of all kinds of wrong. Do yourself and your firm a favor and read the fdcpa I have pinned in this board. Your complete disregard from following it will cost you dearly one day in the near future.

I actually hope to inspire people to do the right thing and that there is a way to resolve your debts without out breaking the law which I can say havent done everyting we do in collections at my firm is within the law. We record all calls for that reason there is always some joe blow who things he knows the law because of some consumer site which 9 times out of ten there quoting the wrong law such as by law you cant cll me at home if you say so fact doesnt exist in most states without the proper papers being sent. All day all we here are excuses some valid but unfortunately not here to counsel that time has passed. Either pay your debt voluntariliy or do it involuntarily collectors really dont care if one person doesnt pay there is always someone that does want to pay so move along if you want help I help if you dont hang up and the additonal posting are due to computer error

I seriously hope you get nailed with a bogus debt Procollect and see how YOU like it.

Do you even realize that it is shady, double dealing runts like you who make asking for validation necessary? Let me ask you this, if a collector did hold a legitimate debt, why wouldn't they be happy to send the proper validation and then collect the money?

Why would a reputable collection agency (if they even exist) buy debt without making sure they have the proper paperwork? Why would they want to do such a thing?

Hmm..I have some prime real estate on the moon for sale???????want it? I don????????t have the proper paperwork, but that????????s ok since you guys seem to never need it.

procollect all of the laws quoted here are directly taken from their source and I would advise you to tread lightly on the phone call issue. The Ftc and federal court circuit have held in certain districts that a verbal c & d or dispute is sufficient. I am glad your firm records and wish more would.It makes it interesting in the discovery when your tapes would be turned over by court order.

yeah your right but only certain states have strict laws which aknowledges a verbal C&D and I for one am not one for breaking the law problem is because of sites like this everone seems to think that everything they read seems to apply to there specific case which is sad lack of education doesnt giev you the right to complain with the state bar which im getting tired of answering and will only bring about more damage to debtors once you starting threating your complain to the bar you had better expect a countersuit.

Well "procollect" maybe you and that sorry company you work for should brush up on your legal skills and knowledge. Do we know how to say lawsuit? Yea I sued procollect, for more then 4 times the amount they were trying to collect from me because they broke over 12 federal laws against concerning fair collections and bankruptcy. Whats funny is their website claimes they are very well educated in bankruptcy law. Even more funny. I got a writ on their bank account.

Good for you Lawsuit. I am glad that someone got them. :lol: :lol:

ladybug

Who are you talking about who did you sue and for the record my firm has never had a case make it to court for violating any laws we have a zero tolerance for those type of things and also company doing very well dont have us need to look in the mirror its a dirty job but as they say someone has to do it and if your a religious person you would know that every thing we do is in the view of the creator dont thou shalt not owe any man been in busines 15 no fines yet so dont think all collectors are same just like all debtors arent the same you have some that just dont pay then those that are always trying to fine a loophole to the debt they created

Caps lock removed - Mike

Procollect-How do you "fine a loophole"?

Why all the capital letters? Bigger letters do not intimidate us.

Thats your problem lemons you seem to think everything is a threat i used big letters probably because of block still that i learned while in the military for 15 years

[color=DarkRed]Caps lock removed - Mike[/color]

Procollect...I am really trying to help here- How about some punctuation? Periods, etc. That would make your posts so much easier to read.

Thanks

Volleyballmom you're right

Ok ladybug this is procollect I have now taken your advise and yes I will be giving good advise on how to deal with debts and things to do to make the process easier and less confrontational.

Well everyone here appreciates that, I for one do. There is nothing worse then to get off on the wrong foot. Please advise me or us what we should do when a debt won't be validated, and you aren't really sure that what they say that you owe is a legitimate amount. I can't seem to get them to send me any kind of validation whatsoever and it is very frustrating.

I am not saying that this debt is not legally owed I just want to make sure that they actually own this debt and how did they come up with these outrageus fees. And why did they all of a sudden state that they were representing a firm I had never even heard from. That is what is making me mad and then calling me and harassing me and bringing things up that are on my credit report that has nothing to do with this supposed debt.

People can work together be it a debt collector and a debtor as long as there is honest communication between the two.

ladybug

I also would like to know these questions! How can a 4,000 write off suddenly become 9,400?? I have ALL documentation on the actual amount owed to credit card. So now CACH buys it and it jumps up almost double. How does that happen? I have also NEVER heard from them but one time that "I" called them!
THanks for any advice u may be able to give to help me understand this better,
Ang

Okk...well if you wish to give advice then please be sure to give correct advice. The Cease and Desist law is -federal-, which means all states respect it.

Besides, no one here just blindly follows the advice posted, they follow it because those here have researched this subject and quote the actual laws and codes of both federal and state.

It is a fact that everything you mentioned in earlier posts is completely against the fdcpa and FCRA and various state level codes. It's in black and white. What you described are -all- violations, no matter how you look at it.

I was the one who brought up the issue of a verbal c&d or dispute. In writing is federal. Verbal is controlled by case law depending on what court district you reside in.

To answer the question on How can a 4,000 write off suddenly become 9,400 you might want to ask them if any attorney fees, or court cost have been added also if your file has an interest rate because if so the balance will probably keep increasing generally per the terms of the original contract or agreement

I had a dealing with this firm earlier this year and a collector by the name of Steve Norman, who was very professional, courteous and helpful. He got me the documentation I requested, negotiated a very fair settlement and made sure I received a settlement letter from the law firm. My credit bureau has even been updated. NOW I'm dealing with some a$$hole named Mike Rose at this same firm on another matter and they tell me they never had any employee by the name of Steve Norman, which I know is false. I talked to him many times at the same phone number this guy calls from. I told them I would pay this small bill if I could deal with Mr. Norman, but noooo. Hell will freeze over before I pay this Rose character. He's mean and coughs in the phone / my ear. I hope he croaks! Grrrr

Procollect said: "Thats your problem lemons you seem to think everything is a threat i used big letters probably because of block still that i learned while in the military for 15 years". End Quote.

I served alot of time in the military, and if I turned out to be some jackass collector, my old platoon would have whooped my ass. How about showing us your patriotism by not harassing your fellow citizens. You should be ashamed of yourself.

cajun bulldog you need to edit anthony lemons last post due to content keep professional

He'll get right on it....lol.

OK Guest your post was edited because of your language, and also the attacking nature. If this keeps up, all will be deleted-Please read TOS rules

Guests acting like moderators!The fun never stops here. :lol:

I served alot of time in the military, and if I turned out to be some jackass collector, my old platoon would have whooped my ass. How about showing us your patriotism by not harassing jackass collector this has to be a content violation

a little late, but a little info...

Name: Rannefeld & Associates
Phone: (214) 383-8500
Fax: (214) 393-7999
Address: 16775 Addison Rd Ste 150
Addison, TX 75001-5698
File Open Date: August 2006
BBB Accreditation: This organization is not a BBB Accredited business.

is not a law firm. I used to work for them..

They are in fact a debt collector. Blue Rannefeld is an attorney who is hired by other people to collect old debts & then he can follow with suit.

Most of the things they tell you are just tactics to make you scared and want to pay immediately. They live off of fear.. Their sole paycheck is based off of you guys being scared by suit.

Don't listen to that. I actually remember "Ken Chandler". Sat caddy-corner from him. They do not use their real names so as to not be "put in danger" or what have you. He would make up the biggest stories and tell people the most outlandish things just to get them to pay. Hang up and laugh..

The boss there was a real douche bag as well. Didn't care about anyone but himself. Reminded me of Lumbergh on Office Space. He dressed and looked like him. heh..

Anywho, I would take it step by step with these guys. They will go around you in any way possible && tell you exactly what you need to hear to make you scared and want to pay...

Since this post was brought back to life and I was the original poster I thought I would give an update. To this date I have received nothing from them.

ladybug

One thing I can assure you is that the Rannefeld and Associates is a law firm and yes Blue Rannefeld is an Attorney that collects on debts I know for a fact having worked there they do not use alias they use there real names and that is a fact even Bud Hibbs website can not deny that and they due file lawsuits hanging up and laughing would be a serious mistake especially if your file is there and the Law Firm which means you are that much closer to being sued for those who do care about suits and judgments and liens then you might want to handle your affairs the law firm does not need to use scare tactics to get debtors to honor there contracts

melissap hows busting tables at the restaurant going for you? Have you figured out how to make long distance phone calls yet?

I am not paying anything to anybody without proper documentation :x What is so hard about having this information supplied unless....geez, maybe they don't have it :roll:

ladybug sound like your using documentation as an excuse or that your trying to find a loophole and thats fine because it will haunt your credit profile for a long time its your life you have to living with the consequences or your action they will probably get to you in due time your just one of many

Boy doesn't guest have anything better to do than slam my posts.

I have been dealing with the "Law office of Joe Pezzuto LLC for the last year (they are CACH LLC)in Phoenix, AZ and I have gone through the same things. One thing I do know; In collecting a debt They can't sue you or make you pay more than you decide. They can't afford to take to court all the people the threaten. I affored to pay them $15 a month. I am on a low income and cannot afford more. They keep calling every three months to try and get more. I won't pay more My debt is much bigger. Several thousand. I was very skeptcal because the CC company put it on my credit report as a bad debt written off. I didn't know if they can try to collect on a written off debt. But, I had no money to find out otherwise. I started paying and now I am stuck. Here is my advice
1. If it is your debt, you have to pay
2. You decide how much you pay, not them. Be firm
don't be intimadated by them. They would look very, very stupid in court to say "they are paying, but not enough"
3. Tell them to remove your phone number from your file. /and.. Tell them only to contact you through writting. They have to do this. Be firm.
they will keep telling you it's imparative that you call .All the time
I am now on their every six months call, because I do two things. 1. I am firm and won't give in, 2. It is just not in my budget to do more. They were ready to make it a year. Just remember that.
Anyway that is my two cents

firstboan dont give incorrect info all firms are not the same and each situation is different "They can't sue you or make you pay more than you decide. They can't afford to take to court all the people the threaten." This statement is bogus you can be sued and for them to accept that arragement would be there mistake this form is for rannefeld and associates not joe pezzuto firm so check your facts

If you've been taken to court by a CACH firm and offer what you can afford to pay and they won't accept it, what then? Isn't it in their best interests to accept what they can?

I too have had an incident with these people. They sent me a letter in the mail and I tried to call and settle with them. they said I owed $902 which I don't remember the balance being that high from the credit card company they say it's from. The first guy I talked to, using his fake name as they all do, was so completly rude. I told him I was trying to settle this and eventually we ended up coming up with $500. Which was over 50 percent of the bill. The next day I called back and talked to a different woman. I was trying to get western union information and have them fax me a statement saying after the $500 dollars I wouldn't owe anything else and she told me it was $550. I didn't have that. I told her I was a single mother that made $8,000 dollars a year which is considered poverty level and I was a full time student trying to get my degree for a better job. She then stated "Don't blame you financial debt on your child." Needless to say I lost it. She threated to send it to a lawyer and I told her I would love to speak with one now since there was no way I was going to let her insult me then go out and find extra money to give to them. She let me speak to a supervisor who told me that lawyers wern't in the office when i requested to speak with them and when i asked for a number to reach them at he couldn't give me that either?? Hmmm makes me wonder. These people are liars. I am refusing to pay them and told them I want verification of my debt and that they are no longer allowed to call and correspondance with me should be through letters, which by law they have to abide by. I have written down dates, names, and conversations along with keeping my cell phone records of the days that I tried to contact them. Do not deal with these people over the phone. Letters or faxes are a much better way to go. I would love to sue them for saying what they said since I had contacted THEM to settle not the other way around plus I had 500 dollars I was willing to send them. All this over $50 bucks?? You have to be kidding me.

nwheeler14 you need to stop making false statements. They do not use fake names or an alias you can refused to pay what you want voluntarily but keep in mind the law does allow for creditor garnishment and seizure of wages and assets such as property, boats, etc,and some instances savings accounts You might want to keep that in mind when speaking with any law law firm unless you dont mind paying attorney fees and court cost. one last thing letters and faxes wont get you a settlement will only escolate the matter to court a lot faster.

oskey it wouldn't be in their best interest to accept any offer after all most states allow garnishment and seizure of assets so why would they accept some low offer when they can get more money involuntarily

nwheeler14, please keep in mind that the actions described previously can only be taken if a judgment is awarded (unless a voluntary wage assignment is included in the contract, which you can revoke in writing)

If the amount seems much higher than it should be I suggest requesting validation, you can find a good template for a validation letter via my signature which should be sent USPS, certified mail, return receipt requested.

If you have any further questions please feel free to ask.

Hey, shill!

Now that I've got your attention... Remember that you're a guest in our house when you're on this board. Act accordingly, or you'll wind up as just another pinhead that nobody reads.

Hey ladybug,

I know what you mean and can understand your situation. However, if you are in a garnishment state like I am (Virginia), they can not only get Judgement (up to 20 years) they can also file for Garnishment and take up to 45% of your wages (Henry County, VA J&D Court-Judge Williams) and I hope that you are not in a situation like that. I owed not just on credit cards, but also had some hospital bills too. I was strung up on the credit cards faster than the hospital bills. How did it leave me and the family? Living with relatives for the past 8 years now until the debts are paid. How much longer do I have, about another five years. However, you have to remember this, the credit card companies can also send you a 1099 form as misc income which you will have to report as income on your taxes and you will have to pay the IRS like I have been doing with Bank of America. Now I owe the IRS over $9K.