That there gonna embarass me in front of everyone in my work and arrest me cause I didnt go to court
Complaint
Julie
Country: United States
I need to pay a 100$ every two weeks and since I agreed then they said theyll file a report against me and take me to jail
Comments
Only exception would be if they had a court garnishment order resulting from lawsuit and judgement, but in that case, she would have been sent a copy, and her bank would have a copy of it, too.
If she never provided them her account number, they might have obtained it via pulling her credit reports. You might pull all 3, and look for a recent inquiry from them, or under some unknown name.
The message left with you, instead of your son, is a deliberate form of illegal disclosure, intended to intimidate.
These shakedowns ALWAYS first call a relative. Maybe they claim you were a "reference", or maybe they pretend they are a "process server". Regardless, the goal is always the same.
In many cases they have been caught running what are basically cons to collect unowed "debt".
Even if there might have been some payday loan, the use of illegal tactics suggests there is something fishy, or they would just sue.
Maybe the lender wasn't licensed, and it would violate state law to collect a dime beyond the original principal.
Mabe the loan was actually paid off, and the information sold out the back door to scammers, like the Buffalo scammers who got federal convictions for doing this.
Maybe the "loan" was crammed, with no agreement and at exhobitant rates, making a quick deposit and then withdrawal to create the appearance of an "interest only loan" so they can keep pressuring for more money forever.
All the above are being done today, and when you find a debt collector making illegal threats, ask why.
Make your complaints known against RVA Capital 315-410-2090 by turning them over to, the New York Attorney General’s Office at 800-771-7755, Federal Trade Commission 877-382-4357 and the Better Business Bureau 716-881-5222.
If your balance seems to high, it is because of the monthly re-occurring interest compounding on your debt that you have failed to pay. It seems like many people are in complete denial about the debts they owe, whether the company you took them from charged you a ridiculous fee or they are no longer a company.
The fact is these are legitimate debts, all off the clients and lenders purchase your debts from companies that you have not paid back. To the guy that said RJA Capital took money out of his wife's account, it is because she most likely gave them her information to pay back an old debt. These companies are not digging in your trash to find your bank account number.
This response may seem bias because I used to work in the industry, but, so are all the ones on this site. The fact is, there are thousands of people who settled out their old debts with companies like this for close to 50% of the original balance. The longer you deny your past mistakes and continue to live financially irresponsible, the longer it is going to take you to dig yourself out. Pay or don't pay I do not really care either way. Just be honest with yourself.
end tasks."
No reason to believe you, but you sure want us to.
"All of the debts that are collected by these companies are legitimate."
If you don't work for them, you couldn't possibly know. Even if you do, you couldn't possibly know. That's why the law (FDPCA) requires you to accept disputes and obtain validation from the original creditor, so you don't collect unowed money, or collect it from the wrong person.
"Everyone on these boards know they took out the money and did not pay it back. "
You couldn't possibly know, but you sure want us to believe that.
"Although the tactics used by these collectors is aggressive, it is the only way to get these unpaid debts within good standing."
They go beyond "agressive" to illegal. If they were so legitimate, they would comply with the law (FDCPA), they would send an FDCPA "g" letter, and they would not be "overshadowing the FDCPA legal requirements with fake threats. The world doesn't care whether these "debts" are in "good standing". It does care if you are calling up people and illegally threatening them.
"The fact is these are legitimate debts, all off the clients and lenders purchase your debts from companies that you have not paid back. "
If they are so "legitimate" why collect in violation of FDCPA? Why evade validation? Why make threats? Why risk lawsuits?
From the perspective of FTC and the courts, if you use threats or otherwise collect money by evading providing proof, their assumption is that they are presumed NOT legitimate, because YOU haven't proven they are. If you actually sued an alleged "debtor", defendent's attorney would demand you prove the debt was owed by their client, and that you had the right to collect it. That's the same standard a judge would require.
No one who had worked for a legitimate debt collector that complied with federal (FDCPA) and state laws could be unaware that the described practices go far beyond "aggressive", into blatantly illegal.
"This response may seem bias because I used to work in the industry"
You sure want others to believe that these practices are "normal" in the industry. They are not. Only ones who would want that are those with money at stake, so odds are you probably work for them.
Contact the New York Attorney General to report their antics.
If it wasn't, then why didn't the lender come calling when your next payment was missed, rather than these bozos showing up YEARS LATER, conveniently demanding YEARS of compounded interest at outrageous rates?
Maybe you owe nothing at all, and they just bought old loan data out the back door of some payday lender, either from an inside employee making a few extra bucks, or because it went bust and someone grabbed the records as they were headed to the trash. Several people were convicted of exactly this a couple years ago, and they were from Buffalo, just like these phone thugs.
In most states (including NY) 8 years is past SOL, and they can't sue. Check with your state AG to find out what your state's SOL is on this type of debt. It's illegal for them to threaten a lawsuit if they can't or don't sue, so if it's past SOL, they've already violated FDCPA by their threats.
8 years is also past the 7.5 year FCRA reporting period, so they can't report against your credit reports.
That may be coincidence, or a deliberate choice in a scam script, intended as response to your likely question "why isn't this showing on my credit reports?"
You may only think they are collecting on some old loan. These shakedown scams often weave their scripts so loosely that they are trying to get the victim to think it's some old loan they remember, then when you ask about it, they use those :"details" to petend it's that "loan".
"Collections shakedown" is a con, and those engaged in it are generally smooth-talking liars.
They are showing too many consumer complaints suggesting outright fraud to take anything they say at face value. Never pay any debt collector who can't prove the debt is owed. If they make illegal threats, or attempt to deceive you into paying without proof, contact an attorney. You can find a consumer attorney in your state through www.naca.net
Is it showing on your credit reports?
What type of debt, and when did you make the last payment?
Was it a payday loan?
If so, was the lender licensed to lend in your state?
(Check with your state Attorney General.)
Contact the original creditor.
You should be able to find who owns the debt now if they sold it, or what collection agency is representing them (if any) if they didn't.
I wish he was local, I love to meet him, and kick the crap out of him.