Harassment
Complaint
Debra M. Persiano
Country: United States
I got a call today at home from a man stating he was a process server for Collin County DA's Office and he is with the Sheriff's office and needed to come serve a warrant on me. I was shocked and asked why? He stated do you live ....are you still at this address are you now at this address and I stated who are you? He again, stated he was from the county going to serve court papers on me today. He gave me a toll free number for what he stated was the county's office which is 1 866.872.6116 gave me a case no. which he called a Cause No. 008307-TX. I called the number was transferred to a Mr. Fisher's office who stated that law suite in the amount of $6,214.24 was filed in Collin Co., Tx and that warrant was out for me. He then after back and forth said let me get more information from my secretary and state this was for an outstanding debt in from Capital One a credit card that I obtained several years back and had disputes over interest charges etc. He stated that if I did not want to go to court or jail that I could pay $1,951.00 in full by end of business today and this matter could be cleared up. I explained that I recently lost my job etc. Anyway, he stated that I needed to call him back by EOB today or they will serve the papers. Ok, so that was a heads up for me. I called the DA's office nothing is filed on me as of today, after searching PMG it is clear that they do not practice best practices for collections and have been in trouble for this before back in 2004. I need someone to give me advise. I want to pay off my debt, I don't want this type of collections to continue this upset me, made my blood pressure raise, this type of collections are not the right thing to do. Had they called and ask to make arrangements or give me an opportunity to clear the matter, rather then threaten me by taken legal action, or harassment stating they are sending a sheriff over today. This is wrong, bad business, and should not continue this company is bad news.
Comments
1. Low level employees are totally screwed at this point. You already had a crappy Thanksgiving (guess you guys didn't get to enjoy Black Friday or Cyber Monday like the rest of us who have real jobs) and Christmas probably won't be much better. Its time to stop demanding your 'rightfully earned' pay and accept the fact that minimum wage is about the best that you're going to get at this point.
2. The ringleaders might still have the bulk of their cash, but their reputations are shot. Their neighbors, friends and relatives all know that they're crooks. Even though they have little remorse, it must still be pretty unnerving to know that everyone in your world thinks that you're scum.
3. Yeah, the process server scam is still continuing, but its getting harder and harder for them to make an easy buck off of unsuspecting prey. I'd be willing to bet that the owners regularly have to open new bank accounts because of the massive amount of chargebacks being initiated. Pretty hard to pay your own bills when you rely on scamming to earn a living.
4. It won't last. As the number of victims rise, I won't be surprised when these 'process servers' have to start dealing with serious repercussions. Maybe they'll never go to jail and perhaps they will be able to keep most of the money that they've stolen, but eventually they will pay the price. You can only tempt fate but so many times, and the rest will be history.
5. It must be easy to scam when you've convinced yourself that you're a 'good guy.' So, these employees - oops, 'independent contractors,' try to locate debtors while acting all self righteous and sanctimonious. If the 'dead beats' agree to pay the 'debt,' everything is all good because they get to go to the bank and they've 'helped' someone to avoid legal action and keep their credit intact.
Anyone that thwarts their efforts is immediately labeled a liar - as if they couldn't possibly be harassing someone with a similar name, or, gasp, a person that already satisfied the debt in question. Again, this is all said with the assumption that the debts were valid and that the 'process servers' actually had the right to collect upon them - which we all know is completely false. Getting angry because a debtor refuses to pay on a time barred threat is like getting mad when you pick someone's pocket and find that there's no money inside.
The main problem with this theory is that they dinged their credit reports with an inquiry without any permissable purpose. So, they think that lowering their credit scores first, then contacting their employers and relatives and threatening them with legal action is justifiable? So its okay to break the law because, you know, they didn't physically hurt anyone. But, they come down with the wrath of God almighty on anyone that questions their motives or refuses to pay without proper validation? Right.
Anyone that went to work for these Corona scam companies had to been having financial issues. Meaning that they knew what it felt like to have collection agencies call and send letters. They had at least had a basic understanding of what was permitted under law, but yet disregarded that information when it came to them collecting a fat check. In a way, its actually funny because they're more angry about getting caught and losing their source of money rather than being implicated in a nationwide scam. How pathetic.
So, the next time one of you shills shows up typing in all caps, threatens to report the 'meanies' to the authorities for slander, accuses anyone that disagrees with them of being deadbeats or says that the economy is in the shape that it is because of irresponsible consumers, just try looking in the mirror first. If you are unable to form a coherent argument that addresses each one of the main points (i.e., why the FTC came down on Lunsford and Begley), while composing a post that is grammatically correct, uses correct syntax and properly spelled, you're just showing yourself to be inept. You can't fake being smart just like you can't hide being a scammer forever. Over the phone, you can be anyone that you want to be. Not so easy on the Internets, is it?
Hope all the former independent contractors have a wonderful holiday! I know I will :P
JC is dangerous with all his BS.
Does anyone really believe a word he says?
At this point I am ready to see some criminal charges against these
[***].
Not much to show for having a Bachelor's or Master's, if you didn't even learn to beware of people spouting BS.
Many people are fed up with your scam, and with those who continue to perpetrate it. Some are your intended victims, some are relatives of your victims, and some just don't like creeps and trash moving into the "neighborhood", pretending to be "legitimate debt collectors".
Oh, wait, you weren't "debt collectors", you were "process servers", or "sheriff's deputies", or was it "paralegals who were not debt collectors" (so YOU don't have to follow FDCPA), or was it "a filing firm who files lawsuits, but was not an attorney", or were you actually playing "attorney" that week? Or you were "with the county court", or "the DA". You changed your story so many times.
We know that if you are allowed to continue, sooner or later, you will scam someone we know, maybe even a relative. Better to drive you out now, when you are on the run. Gather up the "torches" and the "pitchforks". It's time to visit the old "Corona mansion" and root out the evil that lives there.
and then went to work as a telemarketer, Most people who attend college and finish do not end up in that type of job. You must be really slow.
I'm glad you have respect for this company and management because you just got ripped off just like you were ripping off your victims. You really are dumb.
You must find a lot of things hard to believe. Take responsibility for your own actions and please cease with the judging.
"What most of you people don't understand is that everyone we called actually lied to the banks when they filled out their credit applications."
You could have no way of knowing if anyone you called had lied to any bank. You didn't even have access to enough information to determine that, and your scripts guided you to evade FDCPA required validation, so you conned people even when they owed nothing, as FTC documented in their court filings.
There is no reason to believe you.
http://inlandempire.craigslist.org/acc/2756155827.html
Worry about yourself and don't worry about when and why the public wants to post a comment.
If I want I can sit her all day long and make comments.
It's truly none of your business.
My job status is not your concern, but if you need to know I am retired and have plenty of time and money to post whatever comments I feel like posting.
If you don't like it then don't read it.
It' sounds like you are just tired of being exposed over and over again.
This is a message board, to tell everyone on her to stop posting messages and to shut up is probably one of the stupidest things I have ever heard. You must be a debt collector with a genius mind like yours!
You need to understand you were not working for a reputable company.
You harassed people that did not owe anything to anyone and I honestly hope you go to jail. You need to go back to school and learn some ethics and morals because you seem to think you have done nothing wrong.
You are dishonest and in denial. You sir are the liar.
Now, go see if Jack in the box is hiring because debt collection does not seem to be paying your bills.
It really is the armpit of Southern Ca.
Great place to make or buy meth though.
The reason it hasn't been big news over there is because over half of the friggin city can't read or write.
I'm glad he's throwing money around because what he doesn't give away will be taken from him real soon.
You and your friends celebrated each and every ill gotten gain collected. Why can't I have a good chuckle at your misfortune? You cared not for the family members that were harassed in pursuit of a 'paycheck,' and you certainly didn't care if the victims got fired after repeatedly being harassed at work. So once again, save the sanctimonious drivel for someone that might believe the lies. You know, like when you had to explain to your family that you're broke and don't have the skills to find work elsewhere.
On a final note, please brush up on your basic understanding of proper nouns, comma usage, compound sentences and capitalization. While I wouldn't be so quick to question intelligence if I wasn't able to spell basic words like 'opportunity,' I really get it. You're in a lot of pain,
don't appreciate the fact that you're being mocked and truly think that you should be given a break. That's why I'm not even touch any of the 'points' made in your circular arguments. I guess debating 101 wasn't offered at your alma mater.
Even still, I applaud your efforts to write a grammatically correct post that wasn't completely riddled with errors. I'm not one to give kudos to mediocrity, but at least you are applying yourself somewhere. Must have taken you an awful long time to come up with something worthy of, oh, maybe a C+ grade. Thanks again for playing the shill game! Come back again soon!