quote:

ORIGINAL: JohnSteed1967

I know per South Carolina law in March 2007 I will have officialy completed my three years of residency and by that state law the statue of limitations has run out on the debit. He and his fucking company are SCREWED.

quote:

ORIGINAL: arissa

Firstly, I am a Collector, albeit for commercial accounts, I do NOT make bottom of the barrel wages, and I never call anyone from my cell or home phone, that’s a waste of MY time and my minutes. I have friends who are consumer collectors, and trust me when I say they do NOT make shit wages, collectors are indeed highly paid people, reason for that, is they have to take BS abuse form people who refuse to pay the bills they owe.
Now, perhaps the reasons you give are valid, to you, but did you read your contract when you bought the car, did it have a repo clause in it? Did it state that if it is reposed you would not have to pay? I bet it didn't. NO car dealership would put that sort of clause in a contract
If the car was sold to a third party for less then what was owed, then you are legally responsible to the remainder of the debt. When they call you back, which is their job, open a dialogue with them, ask to have a copy of the original contract, ask if the car was sold to a third party and then ask for that information, ask what is owed and see if you can’t work out some sort of deal. Collectors are not harassing you for the fun of it, they would not be calling if the debt was not valid, and yes, it can so ruin your credit, whether you have a new car or not, it can impact even the smallest of things, an R9 rating on your credit is not a joke. Try buying something with that sort of rating, and no, it does not just disappear after seven years, it IS still there.

Give collectors a break, they are just trying to do a job, just like everyone else, and they are NOT bottom feeders like you think, nor jerks. Given the chance ALL collectors are willing to work with you, as well as provide you all the information you need and/or want.

quote:

ORIGINAL: truesub4u

oooooooooooops some how double posted...LOL


< Message edited by truesub4u -- 8/30/2006 9:26:55 PM >

_____________________________

Wisdom is knowing what to do next, Skill is knowing how to do it, and Virtue is doing it.

(in reply to truesub4u)

quote:

ORIGINAL: arissa

trusub4you:
That is NOT one bit legal, and if I were you I would find out which agency is doing it and report them to the FTC. Your right, some companies have NO scruples what so ever, thankfully my friends work for first placement and don’t usually have that hard of a time, now, as for 3rd and 4th placements, they have NO scruples what so ever. I know because I have been IN collections (thanks to the ex) but got all but one cleared up right away. When the 3rd placement started calling me, they made a HUGE mistake, forgot the mini Miranda. Poof, bill gone. I did pay it, but I paid the original debt, not the agency.
Even when a person is in collections, they do have right’s, and I always suggest the exercise those rights and demand ALL the information. Yes, each state varies, but not when it comes to legal times to call and the mini Miranda (this is an attempt to collect a debt and any information obtained will be used for that purpose) no mini Miranda, HUGE FDCPA violation.  See, not all collectors are evil