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This has everything to do of been a person, regardless of your idiotic comments.

Don’t let this scum tell you otherwise.

IF they know where you live, and they call you all the time. You have various options.

1: You can send them a stop and desist letter, this will stop the calls (send the letter certified, that way they need to sign and you will have a copy) if they do not stop the calls, report them to your local district attorney. This is a federal law and is not going around it.

Remember majority of this unpaid loans are insured and the original creditor takes it out of their books as a loss.

2: They have the burden of proof, they must bring all documents that you signed to court, if they do not and you show and fight back, you have a huge chance to win, then you can file for fraud and intent of commit fraud, if they are not in your state and they try to sue then that becomes a federal crime as interstate fraud is a federal crime.
They must serve you if they want to sue, they by law need to sue you directly, many of this scan bags, will leave the documents anywhere with no proof and the court takes that as a delivery, so the next step for all of you is to pressure the government to change the law and have then delivery the documents where the party been served signs the documents like any other country.
If you are served, go to court and be prepared, I do recommend you at that time to bring an attorney, get an experience attorney, majority of the cases will be thrown out of court.

3: Some states will authorize the collections attorney to put and add on the paper to server you; this must be authorized by the court, example California. This is rare and not often used.

The problem you now face is that this scum bags will sell the paper to one to another even if you have paid and will need to defend yourself, time and time again, so you must bring the documents of your previous court case to prove this fact.
Many of this scum bags as well try to collect multiple time on the same loan even if it has been paid, so not do that, if not you will be stuck the rest of your life.

4: I recommend you to find out the status of limitation of your state, as this people can only sue in a specific period of time, from the date you made your last payment, not after that. Keep all records. Each state is different.

5: record all calls that you receive, try to add a answering machine in which you can add tapes, the courts do not accept digital recordings.
Also if you speak to them, record every single conversation, you can buy the little gadget at Radio shack for a few dollars, many of this people have lost as well their cases on court for abusive behavior and threats, which is against the law, then you can sue them as well.

6: No they cannot take you to jail, no they cannot go after your family that is law 101, also they legally cannot call your workplace, they may want to server you there to embarrass you. Now you have another option, you can sue them at that time, for emotional distress, been fired from your work ETC. Talk to an attorney on your city about this.

My last recommendation is learn more before you let them intimidate you. When you do research be aware that majority of comments that are pseudo positive about this, they have been written by the scam bugs their self’s. Go online, go to the library, talk to an attorney more if you have a friend that is in law, and ask them about your option, they also have some cheap, legal help offices that can guide you.

But last, do not let them intimidated you that is what they want, if you want to negotiate do not do so, request them to send you all documents and they must have the ones with your original signature, if they do not, they already lost.

Remember always record any and all conversation, that is a legal proof, any small recorder will do (Use tape not digital), go to radio shack and buy the small gadget to connect to your phone and to the small recorder (buy one that is voice activated), never let them abuse you over the phone or make treats, record them and go to your local district attorney.

Learn to fight back and protect yourself, if you have paid already and they contact you again to pay, go to your district attorney and file and accuse them of fraud.

I hope this helps all of you, we will be posting address and phone numbers of all the companies’ employees, lets harass them as well.
do like them, block your number and lets all call them to their offices all day long, that way they cannot work, if hundreds of us do the same day in day out, then let’s see how long they stay in business, is fair right? They call you all the time; Tell your friends to call and block their lines, do this all day , every day to any and all of them that you know.

Against collections agencies group

Call them, annoy them all day as they do to you, as much as you can, have all your friends call as well anybody call. Let’s see if they like it.

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