Rannefeld & Associates; CACH LLC

Hmmm........

45% of your wages? I kinda doubt that. I seem to recall that Federal law sets a limit of 25% of disposable income.

Looks like Garnished is full of crap.

Your right Unclewulf, federal maximum for percentage allowable for wage garnishment is 25%, that is total.

So if one creditor is garnishing your wages for 12.5%, another can garnish your wages for up to another 12.5% up to a total of 25%, once this capacity has been reached any further judgments would have to be place on hold until an existing judgment is satisfied.

State statutes are passed to supplement or to add to existing federal statutes and a state cannot pass any laws whose purpose would supersede federal statutes unless the existing federal statute was amended or abolished to allow this.

sounds like you have a pickel on your hand I had a run in with the firm also. My experience was horrible I did have to go to court they actually served me court papers at my job. I disputed the debt at first because of the fees they tried to hit me with which didn't work my lawyer told me it was best to settle out of court only problem was about time we settled I ended up paying 6k more then I originally owed due to the lame attorney fees and court cost I could have avoided the problem by taking care of the debt sooner vod did bur me about a week or so they where fast with the requested documents. So be careful when requesting documents rannefeld is quick to threaten action because they will. They want to get you to court so they can get more money from you Ken Chandler kept saying that it was nothing personal but business. He stated they make more money getting the files to court then they do at first due to the additional fees that are added. My attorney it seems gave me the wrong advised not only did I have to pay him 1200 but had to pay CACH attorney fees also all because we kept holding out and stalling hoping they would settle for less which didn't have my advised would be to try and pay early because waiting out doesnt always save you in the end.

Hmmm........

I think one of two things happened here. Either you hired an idiot for an attorney, or you think we're idiots. Which is it?

I probably was an idiot for listening to you guys. Always telling people to file suit that doesn't always work. I tried that and it failed only pissed off them more. It would have been nice to know that me verbally telling them not to call doesn't work

If you were actually listening to us, you'd have known that verbally telling them not to call doesn't work. Nice try, shill.

Any knowledgeable member in this forum would have said to send a written request CM-RRR. I don't seem to recall you posting in the past Patel76.

Ladybug -- any updates on your Rannefeld Saga??

What did you do that scared them off? File with BBB? Or TX bar?

Thanks again! Rock on.

saxwoman sounds like your trying to beat the debt you havent stated anything else about vod sounds like you know owe the debt and your trying to beat it by skipping out on your obligation what goes around comes around. If you actually wanted to pay you would rqst vod and wrk out a solution.

Hey saxwoman seen any miami dolphin games latey?
do yourself a favor and quit while your ahead r

University of Miami Band of the Hour

University of Miami Band of the Hour

:oops:

:oops:

:oops:

anybody had ajeff skoal on their case? are these guys lawyers or collectors?He keeps saying i was the topic of conversationin their meeting ...I am in process of paying these jerks.

rannefeld is an attorneys office

rannefeld is a joke for a law office

they might be a joke to you but I am sure many people have probably been helped by them

They are a lawfirm subject to fdcpa.

yes cajun you are correct doesn't make them an invalid or a joke though

No it does not,but everyone can have personal opinions. :lol:

The only reason why I said they were a joke is because of the unprofessional manner that go about doing there business. I have worked in a very prominent law firm before and have never thought about speaking to clients like the way they do.

Alas, collections is not about customer service.... its about getting the debt paid - or not. If you think a collection agency is breaking the law, why would you ask for advice on this site instead of on a legal website or talk directly to an attorney --- lawyers dont usually charge for consultations. The other reason why I ask this is because laws vary from state to state so much that it would be easy to get recommendations that might not be correct.

Well I don't recall anyone on here saying that they were experts on this site this is just a support website and nobody is giving legal advice on what to do and always suggest that they contact an attorney.

I disagree with you to a point that you are right that collections is not about customer service to a point, BUT they are more apt to get the money if they acted more professional than being rude and insulting and could provide the proper validations when asked.

Moderators should be objective not opinionated and they shouldnt be the ones to start with the namecalling

This firm said I owed them for a cc and than they changed there minds after investigating and said to me on two occassions that it was not me and they would take care of it. that was summer of 2007. well I just applied for a mortage loan and they came up on credit report they never took care of it, one year later .I feel they a hurting my fico score and they have been doing it for over a year. what can I do legally when a collection agency is holding my fico score hostage. I want to sue .I am angry they are still reporting a credit card that is not mine and did not take it off my credit report and are hindering me from getting a good rate on a mortage loan. Thank you for your replies.
john

There are more honorable professions. :lol: :lol: :lol: :lol: :lol:

Moderators are people with opinions also.Last time I checked our admission fee was zero to post here. :lol: :lol:

I've just got blind sided by these people Friday afternoon. I had a Jeff Skoal call me and give me once last chance to settle my credit card debt of $1500+. I kept telling him I know nothing about this. That I have no credit cards except for 1 and it has a $300 limit on it and it's for a department store. He asked if I had filed a Fraud Report with the police department. I'm like, uh, no because I didn't know anything about this till now, so how could I file a Fraud Report on something I know nothing about. Well, he badgered me until I post dated a check to him. Since then, I've retained Lexington Law (that afternoon), and I've completed closed that account which I post dated the check out of. I am going to both fax and send them a return receipt/certified letter requesting both validation and verification of this debt. Besides the fact that there are now Fraud Alerts on all 3 of the credit card companies. I have 8 credit cards that were pulled in my name. Take it from someone who didn't think that there credit was even good enough for 1 credit card let alone 3, it was quite a shock. Just goes to show that Identity Theft can happen to anyone! Once this is all cleared up, I am definately looking into Lifelock. But dealing with this Jeff Skoal has been less then wonderful. He's very pushy!!!! Kept telling me that he was going to serve me with papers at my job. That if I paid this then he wouldn't charge me $2,000 for his fees (attorney) and court costs of $800.

This happend on Friday afternoon, today is Tuesday (8/19) and Lexington Law has already sent letters to these credit card companies disputing these cards. They have all been charged off over a year ago. So now I'm dealing with the collectors and supposed attorney's.

Thanks once again. This site has been extremely helpful.

lifelock is a joke

does anyone know if this law firm handles HSBC credit card

I was contacted by mail by these people, that stated there is a lawsuit filed against me by CACH LLC. The letter states they are a law firm and would charge $750 to settle this for me. The letter states they can put a lien against my home etc.? and that I did not have to wait to be served with the lawsuit from CACH to respond? Do you know about these people?

Debidawg, The best way to help you is to answer these questions for us. If an attorney is not licensed to practice law in your state, the threats are illegal. If the threats are from a debt collector, they are also illegal. If they are pretending to be an attorney it is again illegal.

What state do you live in?

Who signed this letter or who's name is on this letter?

Is this a letterhead from Rannefeld & Associates? Does it say attorney anywhere on the letter?

Did they say there was already a lawsuit filed or did they say they will file a lawsuit?

If they said it was already filed, Call your local court house and see if it is true, find out the docket number, etc....

It was from the Heston Law Firm in Houston, I'm in Texas, they said it was already filed and gave a case number at the bottom of the letter. I e-mailed the court clerk and have had no reply, it's been about a week.

Heston Law Firm is a consumer attorney from what I have read. They know that a suit has been filed against you so they want to help you win the case. They sue debt collectors and are not debt collectors from what I see.

hestonlawfirm.com/index.html

I contacted them and they said they would get back to me, but have not called me back, so you think there is actually a suit filed?

Wow bravo to you Manuel Ruiz. You came all they way to this site just to be a troll. If it's any consolation I really need to take a piss from too much Whiskey....

There everyone has heard your nonsense and now mine, BTW how is Mexico Manuel Ruiz-de-Ch??vez

I was just served from this firm Rannefeld and Assoc. last week. I now have 10 days to answer the suit.......I thought they were bogus, but they are not. The woman Heather, who called me, wanted me to also get a loan within 24 hours for the debt of $2400. They called me a month after they filed suit.

heston law firm is not rannefeld somone posted own wrong site this forum shows to be for rannefeld

I have been trying to get a validated letter from procollect but have not recieved anything. When I call, the people are terrible! They yell and threaten and don't let me ask questions! I know they recieved my request for validation because I sent it certifed to two addresses listed for them and both were recieved. They have already posted this debt on credit report but refuse to work with me to resolve it. What else can I do?

IN FIRST PLACE. THE BETTER YOU ARE AT BUILDING RELATIONSHIPS WITH YOUR CUSTOMERS, THE BETTER YOU WILL DO AS A COLLECTOR. THE BETTER YOU KNOW SOMEBODY, THE EASIER IT IS TO ELICIT HIS OR HER COOPERATION. THE MORE YOU KNOW YOUR CUSTOMER THE BETTER.

I think CACH is using forged bill of sales and I know they seek collection by harassing phone calls..that don't stop despite giving them written warnings. Their collection techniques are totally out of lline and contrary to guidelines set up by the Attorney Generals office. Very sneaky....very evasive...I wouldn't pay them until they take you to court.

I had dealings with one of the companies named above, I made payment arrangements and gave a post-dated check. The next day another woman called and refused to let me off the phone (I know, I should have just hung up on her, I was trying to be reasonable, since I do owe the debt). She said the arrangement that we BOTH agreed to was not enough. That the payments would have to be higher and that they'd have to receive the first payment within 24 hours (because after all, I own a home- her words). She also failed to tell me that it was an attempt to collect a debt until after she tried to shake me down for the phone #'s of my family and friends.

btw- this is just the short version of the story.

I got a call from them yesterday and was told by one guy that Household (best Buy) sent them my acct a little over 1000 I do know that I owe them I told the guy that I had a payment set up ready to go out on the 17th of this month he said that they would not except my paymnet becasue it was in there office I said why not its money he said he didnt know and transfered me to the "floor manager" who is another story. he falt out told me that i had to come up with the money i agian said that i have been paying waht i could and that i had deal with household and he said it was null and void and that i had to come up with the money i agian said i dont have the money right now and he again flat out told me that i had to find and that i should have read the contract before i used the card and that i sgined saying that i would pay it back i said i know that i have been just fell 2 months behind. again he just said put it on another ceredit crad I said that i couldnt becasue i was unemployed for a while and had to live off them and they are maxed out he falt out said thye arent for you to live off. What the Hell..... I yelled at him saying that i didnt have the money he said fine i will tell best buy that you are refsuing to pay and we will proced with legal acation I said that i didnt theink that they could do that and told me that i didnt know what i was talking about. and that i should "shut up" i again said what do you want me to do i dont have the money he said find it i hung up at that point.. any advise

Quote:

The post that i did was for joe pezzuto llc becasue i thought both placed were the same sorry but i wuld still like advise

I had these people call me in the beginning of September. West Asset Management apparently "went out of business" according to CACH llc. So Campus Door sold my loan to these a**h*les! They didn't contact me until September 5th, letter dated Sept 1st. They bought my loan on August 1st. They added over $400 to my balance. The ignorant beeotch I talked to wanted her @*s handed to her... intentionally picked a fight with me... wouldn't shut the h*ll up so I could tell her I knew what APR is and how it had been added to my account monthly-- which btw I was paying on my loan for 19 months without missing one payment at West Asset Management-- she claimed that $400 was from two months of interest then from 4 months b/c she claimed I hadn't paid since May! IDIOT!! Anyways I fought with her and got as nasty with her as she was being with me... I clearly had the upper hand when it came to education! SOOO "Latonya" aka "Mizzzzzz Anderson" keeps calling me all day on my cell and my house phone. I'm filing complaints every where I can b/c she's representing herself as if she worked at a lawyers office. They are a COLLECTION AGENCY! I will not stop until that piece of crap CON MAN office is shut down! I'm saving all voice mails and answering machine messages... sending them on to the BBB, FTC, and Bar! AND anywhere else I can find to report these scum bag ignorant a**H*les!

Clearly, I'm still super po'ed about this and rightly so... Oh and they tried to settle with me for the frickin original amount... I told them to shove it up their @**... I told them I want verification of the debt and proof of any payments history they got from West Asset...

And West Assett on the other hand told me that they "don't keep records of any payments recieved" ARE YOU F'N KIDDING ME?! I told them to send me a certified legal copy of all payments and if they didn't I was suing them for the money back! IDC if I can or not... they threaten to sue people all the time... I'll do it back! grr... I need to go calm down! Anyways, everyone should doubt the amount if any they say you owe and record all conversations. Report them for anything and everything they do wrong... they are scum bags.... they bought my debt for pennies on the dollar and now they want me to pay $400+ more! I don't think so!