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
Are they a Thai Han operation?
http://blog.ringcentral.com/2012/01/welcome-don-campbell-to-ringcentral.html
Sounds like she's upset 'cause she's got 32 apparently non-working phone lines with which to menace victims and Ring Central is causing her to lose (according to her) $10,000 dollars a day.
What's a respectable girl to do?
Wonder if this is happening at her CMAG offices in Corona -- or her P.B. Recoveries offices in Anaheim?
Maybe collecting some of her unpaid wages from Thai Han will be enough to cover for it.......
(Gross, presumably)
She could save a bunch by just laying everyone off.
You could paw through Accurint searches, find friends and relatives, employers (or at least people you thought were those, since you really weren't very good at it), and spread your harassment far and wide, all from the safety of anonymity.
Now, the game is out there, it's known.
"Even a child is known by what he does."
You are known by what you do.
You can be found anywhere, whatever name you use.
The tables are turned.
You picked the wrong person. I know who you are and I know where you live. You can no longer hide behind all those LLC's.
The euphamism, "aggressive methods" sounds so "accidental". You planned this from the start, hid behind the many LLCs set up to hide from and confuse federal regulators and consumer attorneys who might decide to sue you, knowing what you were doing was illegal, and that this day might come.
"all debt was verified"
You never verified anything. In fact, you did everything you could to prevent people from even trying to get you to validate alleged debts. Never sent "g" letters yet you claimed they had been sent "45 days ago", made threats of "lawsuits" even "prosecution", pretended you had "sued" and were just calling to "serve papers", operated this coordinated scam under many names, pretended your "process servers" were "independent contractors" so you were not responsible for their lies (yet you gave them scripts of the best lies to use, and "trained" them that it was all "legal"), refused to disclose your address, hid your locations.
FTC documented that you were so good at threats and evading validation, you got money from many people who didn't even owe you. That's not "aggressive collection", just extortion.
The federal judge agreed with FTC that there was no way you could be trusted to collect debts in compliance with the law.
"Wayne bought that debt from banks and credit card companies"
Looks more like he bought lists from brokers, nothing more. He bought as much as he could, as cheaply as he could. Computer files don't "verify" anything, and you added to the "errors" with sloppy skip-tracing. That's why FDCPA requires you to validate if the consumer disputes. Don't do that, and you are just another extortionist or con artist with a phone.
Or were they really "errors"? Maybe you just bought the lists as a cover for what you actually did: call a bunch of people and threaten them to get money.
Numerous complaints show your files were just plain wrong. Other complaints, and your own damning scripts, show you didn't really care much who you threatened, whether the debt was already paid or settled, whether it was discharges in bankruptcy, whether you were just guessing and randomly calling people to threaten them, and on, and on, and on.
The original complaint that started this thread reported the debt had already been paid at the time of financing a mortgage, yet you show up making threats of nonexistent lawsuits or prosecution, impersonating "a process server for Collin County DA's Office ...with the Sheriff's office and needed to come serve a warrant on me."
You actually preferred to call and threaten relatives first (your own scripts actually documented the tactic), and your threats were so effective you even got paid by some of them, even though they didn't owe you anything. You threatened, they paid you off, you took it.
That's what got you shut down.
You knew it was a bunch of BS. That's why you had a name for it: "spiff money".
Unless you're brain-washed like James, one can easily see that the calls (not to mention all the other threats and FDCPA violations that came afterward) were illegal. Moron.
Here is the problem: Wayne did NOT buy these debt portfolios from banks and credit card companies. We're talking about debt that, by and large, didn't exist in the first place which means that there was no 'source' or debt that has passed its statute of limitations which would not be 'sitting on the books' with the original creditor. It would've been sold off to a 3rd party collector. It's common knowledge that these old debt portfolios get passed around amongst them, Wayne and others like him, with break neck speed. And, that stuff, outdated debts, gets passed off by the original creditor pretty quickly to bottom feeders, 3rd party debt collectors who think that they might be able to squeeze a nickel from a frog's ass.
Wayne did a number of things wrong. If we're lucky, he'll actually pay for it. If we're not, we'll see him again in, oh, five years running another 'agency' and again looking down the barrel of more law suits from the feds.
Now I am ready to hear about their punishment. I can not stand another day of these thieves being able to scam the public. If they are not made an example out of now this crap is never going to stop.
I want to see them go to prison and I want to see their face on the front page of the paper.
Is that too much to ask?