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
Numerous consumer complaints report getting NO "g" letter, just some talk-off claiming it had been sent "45 days ago".
No validation, either.
Just "settlement" letters, usually only emails.
Just another con, one of many.
You know every call you make could be in error, and that legal compliance and professional manners will limit your legal exposure.
If you're a "cowboy collector", you're not competent.
As for who makes what, who cares?
Rather arrogant to assume, though, as it suggests you make up BS.
The great thing is there is not one thing you can do.
You have no recourse. You can't sue me. But, at this point your the one that will get fined and in big trouble if you call me.
So you see your job as a debt collector is a screwed up business that you have no legal way of collecting old illegal debt. The public does not take you seriously and when you call we just hang up and forget about you.
Anyways, besides the racist shills, it's actually eerily quiet. Maybe Christmas was just as miserable for the rest of the CMAG crew as I hoped it would be. Unfortunately, innocent children, spouses and loved ones also had to suffer. Perhaps the former independent contractors will learn from this experience and straighten up, but it appears that at least a few of them feel more entitled to scam than ever.
They really think that we are all 'dead beats,' and hate debt collectors. That is simply not the case. Law abiding debt collectors serve a purpose in society. Career debtors with low incomes may despise them, but they are in the minority. Nearly 70% of American have a fair or good credit score and only 5% of homeowners are in danger of being foreclosed on. So yeah, that means that most people do pay their bills. Next time you want to make blanket statements, please provide facts, statistics or other verifiable proof. Just because you scam - I mean call the drudges of society on delinquent accounts all day long doesn't magically turn your reality into a microcosm for the entire country.
Personally, I have no qualms with legitimate debt collection agencies. If one of them happens to call my house, all I need to do is inform them that they have contacted the wrong party. See, when you pay all of your bills on time and have a stable income, you don't need to form relationships with debt collectors. I do, however, have a problem with scam artists trying to make me responsible for debts owed by someone else - you know, when you call the relatives and employers of your intended victims relentlessly. But in your book, that's okay, right?
You shills are trying real hard to color everything in black and white. That is, if you are on this board and are not a debt collector, you must be a 'dead beat.' You pretend that there are no victims. The shills also try to make believe that their files are infallible. Uh, no - it just doesn't work like that. Legitimate debt collectors will admit that they sometimes call the wrong parties or come in contact with real victims of identity theft. They also know all about 3rd party violations and avoid them like the plague. Strange that these factors do not exist in your world.
It's also funny that these enraged 'debt collectors' (and I'm using that term loosely) don't indicate whether or not they work for the CMAG outfits. A real debt collector that follows the law and works for legitimate company wouldn't touch this thread with a 10 foot pole. Seriously, you guys are just embarrassing yourselves again. If you think that these angry diatribes are going to fool your future victims into paying up, think again. However, if your goal was to give the rest of us a good laugh and confirm the doubts of your intended victims - mission accomplished.
If anyone had any questions about these posts coming from legitimate collections agents, the answer is above. It's truly bizarre that you think that writing succinctly requires, well, real effort. What's worse is that this is your only defense - attempting to make fun of someone for being educated.
Over and over again you prove that you do not work at a real collections agency. We all know that you're either still scamming and proud of it, or two days from having your electricity shut off and contemplating ending it all. And to think, your rants were probably damned convincing in your mind.
BTW - I'm still not a man. Guess that'll really get your gonads in a bunch. But go ahead and have fun with that one. Have a happy New Year! Since I can afford it, this Bud's for you!
You wouldn't care if you weren't benefiting from the scam. No more scamming equals no more money for you. Instead of getting indignant and trying to lampoon the whistle blowers, why don't you reevaluate your life and try to make some positive changes. But I'm not holding my breath.