Collectors are at it again!

Quote:

Thank you Bryan :D Both consolidators are closed for the chirstmas holiday til the 27th.

mom of twins,

IMHO, it will be better to wait for them. Since weekend is here and most of the offices will remain closed for holidays, I don't think CAs would appear there to harass you verbally.

Mom of Twins

The process is very simple. If the creditors are accepting payments from you, it means that your account is with them. You have the receipts and other evidences to prove that they have taken money from you towards this account.

On the other hand, a collection agency has sent you a mail attempting collection on the same account. So, your move should be to place this letter on dispute explaining the matter. The CA will verify it with your original creditors and the facts will come out straight. Either the collection agency will back off or the creditor receiving money from you till now will be responsible for taking care of your account. Otherwise, they can be sued for misrepresenting your debt.

It might be possible that an internal collection agency of HSBC has been hired for this purpose. There might be some type of communication gap between them due to which you might have received this mail. Things will get straightened out after you explain the matter in writing.

United Legal Corp is also among the bad collection agencies in the business. Be careful as they might be using incorrect ways to recover money from you. If they have the accounts, you know they will have to validate it. If they have sent the paperwork of Rio, it is not enough for the debt being validated. Put it on dispute and send all your letters certified with return receipt requested. You will pay only to the company that is actually holding your account. Talk to Rio Resources and get more information on this account. Check your credit report also for this purpose.

Christmas comes once in a year. Do not let it go spoiled because of these collection calls. They are now like separating clouds which will come and go. They will never stay for long. Don't let your Christmas celebrations spoiled because of these thoughts. Enjoy with your mom and kids. They are waiting for you. They need more of your attention, rather than the collectors. I will keep you as well as many of us here in my prayers this Christmas.

Mom of twins, take care of yourself. :D

Regards
Roxette

Mom of twins

Don't lose hope! Town & Country will work with both of these for you. Our Rio Resources also went on the another place and Town & Country has worked it into our consolidation program for us. If you want PM me and I'll give you more details!

Sue

Can someone tell me who they really are? I have previously had withdrawals from my checking account from them but I have not used them that I know of. Do they go by any other pay day loan company name?

Rio Resources, LLC is a payday loan company. You can view their report with BBB.

Also go through the following thread to know what people are saying about them-

http://forums.debtcc.com/forums/rio-debiting.html

They are also known as Xtra Cash.

Ireally doubt that Finklestien etc. is a real firm , let alone a law firm. BS BS BS thats the game folks!!!

They most definitely are a real firm. I know because they did me the same way they did Tammy only it was a samsclub account. I was making payments to samsclub, thought everything was fine--then these guys sent me a letter. Next thing, they took me to court and I have a judgement on my credit report now for the next ten years, and here I was making payments to samsclub the whole time. so yeah, they're real all right.

How did they get a judgement if you were making payments? Were the payments being accepted? That's horrible.

Guest,

Finklestein is an actual law firm that does debt collection.

Aw Tammy! I hope this crapfest boils over soon! Remember that even lawyers have to obey laws, even if their demeanor suggests to you that they think they're God.
Guess what else! Lawyers are terrible about repaying their student loans! Keep that in mind when they heckle you, that they are such hypocrites. I had a trifle of lawyers in my student loan inventory, both male and female, and they were so f'in cocky, they thought they were too cool to pay their bills. I had read their credit reports, and their credit was always crap! All their accounts in collection! Including their cell phones, credit cards, satellite dishes, mortgages, and dink-lengthening cars! Who do these people think they are anyway? How they get away with it is beyond me. There is some recent legislature concerning Codes of Ethics is certain states. Professionals who don't pay their bills like good citizens can lose their licenses!

By the way, who's the hot guy in your avatar? Your husband perhaps?

I wish it was hubby. It's Randy Orton WWE wrestler. He's a hottie! Finkelstein has had more cases thrown out of court for unethical grounds. Refusing payments, receving payments, etc. There was an article on a website I was reading that a judge actually yelled at the attorney for wasting his time, the courts time and the debtors time and threw the case out.

I hear you. Some lawyers are so ludicrous with their egos, believing that they are the law. The one nasty, ferocious, condescending battle-ax of a female lawyer in Fort Lauderdale I had contacted had five state tax leins on her credit report! All under public records! I was incredulous! I was wondering why she was not camping at Club Fed for tax evasion!
Professionals really should practice what they preach.

You are so much like my mother, Tammy. She watches WWE wrestling and sports too. She's also a Harley mama. Do you like motorcycles?

Some people think they're special...lol

My boyfriend loves WWE. He doesn't like it when I make fun of the men who wear the little "man undys" though...lol

I love Harleys. We are talking about once everything is paid off getting one. Myself, I want one built by OCC in New York.

Jessi, you were asking me about the lawyers and samsclub. Yes samsclub was accepting my payments, I had been making payments for about 8 months and then poof, received a summons at the front door from these lawyer jerks. I was making $40 a month payments straight to samsclub, they were smiling to my face, cashing my checks and then lawyers came and sued me because they wanted $70 a month. all they had to do was say so. I got the summons on a saturday morning, called them monday morning, they said, can you make $70 a month payments, I said yes, that was that. seems crazy doesn't it??? I have this on my credit report for 10 years now.

I never really liked Sam's Club with their customer-is-always-wrong mentality. They lost me as a member almost immediately! The incident was so rediculous and could have easily been avoided! Now this with them being snaeky and underhanded, taking your money and then stabbing you in the back is just disgusting. That is such bad form for a retail outfit. You should file a complaint.

My 75 year old father just was served with papers from these folks about a credit card bill from 2000 with Capital One. My dad made two purchases on this card and paid off both. He never purchased anything else and never heard from them again until this. They said my dad owed fees and interest in the amount of 90.00 but now the cost is over 1600.00 and they are suing for 1600.00 plus attorney cost. Does anyone know what a person can do? This is one of those loans that get bundled and bought by a company LLC, etc. then these attorneys get involved because they get paid from the person. They cannot produce any documents showing that my dad ever owed the 90.00 to start with. They have a credit card statement showing a 90.00 balance and that's it. I need some help. Thanks