Report: United Collections Bureau
Category: Miscellaneous Companies
United Collections Bureau con artist fake ripoff claims to be some sort of lawyer for collection agency and bank client making close ended deals with me no consideration for homeless Toledo Ohio
*Consumer Comment ..Interesting observation about the education level of collection agency staff
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United Collections Bureau
Fax:
Toledo, Ohio, 43614
U.S.A.
Submitted: 10/24/2002 2:02:30 PM
Modified: 8/28/2007 4:36:04 PM
Karen
Hayward, CALast Tuesday, October 22, 2002, around 12:30pm, I received a written note on my screen door describing the time of day, the representative of the collection agency, Mr. Lance Smith, involved, the phone number and extension number of the representative's company, words 'urgent' and 'contact' included in the note, and my neighbor's first name on the bottom.
I checked the phone number to see if it's just a fake number or a legitimate phone number of the collection agency that has contacted me by mail. It really was United Collections Bureau in its answering machine programming. So, I called the extension number indicated to ask why leave such information to my nextdoor neighbor instead of me. They would not tell me their method of obtaining their information.
The representative started rattling out, without allowing interruption, about the total debt, the option of lowering the amount to a thousand dollars or another thousand. He only left me with a minimum of $4000 after embarassingly telling him that I am currently homeless (living in a temporary transitional housing program), been unemployed since March 1, 2002 due to temp. agency layoff, sexual assault victim in July 2002, and a domestic violence victim from family.
There is no way such company could squeeze me off $100 even what more if it's $4000? Not even my own mother could help me because she has been under collections for years and currently have not gotten out of bad debt. I have no friends to turn to for money.
I need to know if this company, their client, or both companies are ripping me off bigtime. I refuse to send out money to the wrong party or a con artist if I ever get hired for a job. Even if I start working, there is no way I could come up with money like that in a week's time. Mr. Smith claims that his client is not giving anymore time and may turn my case to a judge for judgment in a short time. He said something about 'him telling his client not to sue me anymore because of my current condition' but still demanding the $4000.
Please pursue this rip-off case with honest determination. Thank you very much for your cooperation.
Karen
Hayward, California
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Updates & Rebuttals:
- We are not con-artists Stephanie [2/23/2004 5:01:12 PM]
- Don't pay them a dime until.... Kathy [3/3/2004 4:41:33 PM]
- We do our job the best we can. Phyllis [7/30/2004 5:17:21 PM]
- They do illegal practices Kristy [2/25/2005 5:18:03 PM]
- Are you for real? Bob [2/26/2005 7:53:19 AM]
- Collection Agencies are like this! Helen [2/26/2005 8:16:48 PM]
- Problems with United collections bureau originating from Southshore Hospital Rich [6/10/2005 9:04:40 AM]
- Bill Payment A bit of advice Elmer [6/21/2005 10:54:55 AM]
- Introducing Elmer To The Real World S.n. [6/21/2005 1:50:05 PM]
- I have a tape of UCB debt collectors abuse and lies Tracy [10/17/2005 1:07:11 PM]
- To the employee of UCB Steve [11/30/2005 8:25:42 PM]
- Fired for being a victum at Uinted Collection Bureau, i was threaten for my life Jalon [12/24/2005 10:23:37 AM]
- UCB violated with that note Steve [12/25/2005 8:19:41 AM]
- I am a victim also Tiffany [4/20/2006 8:47:11 AM]
- WHY NOT JUST PAY YOUR BILLS? Bobbie [9/11/2006 3:56:26 PM]
- What about when the Third party collection agency has wrong information? Janice [9/11/2006 8:15:56 PM]
- What about when the Third party collection agency has wrong information? Janice [9/11/2006 8:18:07 PM]
- Response and advice to Bobby the UCB Collector.. Steve [9/12/2006 6:27:40 AM]
- To Steve Bobbie [9/25/2006 6:01:10 PM]
- Bobbie, I want to thank you.... Deana [9/26/2006 3:24:56 AM]
- Response to Bobby the Collector - I can STOP collections activity WITHOUT paying! You are a moron, like most collectors. Steve [9/26/2006 7:17:05 AM]
- It didn't take long for someone to prove my point, Thanx, Deana Bobbie [9/26/2006 6:01:09 PM]
- Need some advice, Bobbie Kim [9/26/2006 11:14:43 PM]
- Huh? Kendel [9/27/2006 4:55:50 AM]
- Response to Bobbie the collector, You might want to get educated first Steve [9/27/2006 6:03:53 AM]
- The Worst J [10/3/2006 8:05:21 AM]
- I missed one little thing J [10/3/2006 8:16:28 AM]
- Info for 'J', I used to be a Mortgage Broker and loan Officer Steve [10/4/2006 6:52:00 AM]
- Furthermore, 'J' the collector is just mad I am educating people how to beat collectors! Steve [10/4/2006 7:06:18 AM]
- STEVE, STEVE, STEVE Lori [10/4/2006 8:35:44 AM]
- Steveo... J [10/4/2006 8:35:59 AM]
- a collection agency has no right to harass us Charles [10/4/2006 11:14:01 AM]
- to help out a little bit Linda [10/4/2006 12:32:38 PM]
- When a collection account on a credit report is not paid after a certain TIME (7 years) it will be DELETED off the credit report. J [10/5/2006 7:00:55 AM]
- Thanks to LINDA, and someReal advice for 'J' the collector Steve [10/5/2006 5:36:52 PM]
- thank you Steve Linda [10/6/2006 4:53:56 AM]
- okay.... J [10/6/2006 8:47:45 AM]
- The Bottom Line Is.... Deana [10/6/2006 8:25:37 PM]
- More education for 'J' the UCB collector Steve [10/7/2006 6:50:26 AM]
- 'Steve and Linda where is your integrity?' Rick [10/9/2006 7:42:07 AM]
- Rick Linda [10/10/2006 10:13:21 AM]
- Response to Rick the Collector..You STILL need to learn how to read! Steve [10/10/2006 5:07:02 PM]
- Advice for Rick the collector regarding MORALS and bad debt Steve [10/11/2006 6:10:50 AM]
- get a read out Sonya [10/11/2006 8:45:45 AM]
- Steve/Linda...AGAIN, you miss the point. Rick [10/11/2006 10:58:07 AM]
- Rick, Give it ip! Steve [10/11/2006 4:54:25 PM]
- Finally some honesty. Rick [10/12/2006 8:07:13 AM]
- LINDA...Advice Columnist? Rick [10/12/2006 8:22:20 AM]
- a bit of justice to provide relief Andrew [10/19/2006 2:05:01 PM]
- Education is the key! Rick [10/19/2006 3:28:51 PM]
- No hard feelings Andrew! Rick [10/20/2006 6:08:15 AM]
- Clarification on types of credit and types of collectors Steve [10/20/2006 8:53:24 AM]
- READ MY POST! Linda [10/20/2006 8:17:04 PM]
- Linda the good lil citizen Rick [10/21/2006 8:28:08 AM]
- one question for you rick.... Linda [10/21/2006 6:23:38 PM]
- Linda You are wasting time and valuable memory space for ripoffreport.com Rick [10/23/2006 7:25:34 AM]
- Getting somewhere Steve! Rick [10/23/2006 9:09:32 AM]
- I'm glad I can beat them! So I don't have to join them! Steve [10/24/2006 5:39:25 PM]
- Bad info once again. Rick [10/25/2006 7:42:21 AM]
- For Rick the collector, stick to the little bit you actually know Steve [10/28/2006 7:41:46 AM]
- Steve - A challenge? Rick [10/31/2006 10:14:30 AM]
- Rick the Collectors should learn how to read before correcting/slamming others! Steve [10/31/2006 2:08:18 PM]
- Don't want to get into the Rick/Steve argument, but.. Marc [10/31/2006 11:37:48 PM]
- its been awhile.....sorry Rick [7/21/2007 4:14:54 PM]
- Rick the collector still needs to learn how to read. Steve [7/21/2007 9:13:12 PM]
- fine print Brenda [8/25/2007 11:21:41 AM]
- Interesting observation about the education level of collection agency staff Anna [8/28/2007 4:18:05 PM]
We are not con-artists
When I read the con-artist report on UCB I was astonished. We are doing a job that most people would rather not do. If the person in the mentioned report had contacted us at a 1-800 # we wouldn't have had to go too such lengths to try to contact them. Regardless of the persons situation, if we had been able to locate them using different methods we wouldn't have had to do so much of the 'searching' them out. If the person had a debt that was owed to one of our clients then they should've paid the bill instead of hiding from the issue. People need to be more responsible and communicate to their debtors when they have a crisis. As a collector, we hear every excuse in the world. Just because someone is a victim of violence or any other problem, that's not our problem. Our job is too collect a debt which is owed. If they would've called in the first place maybe we could've helped he or she out!!!!
Don't pay them a dime until....
Your best bet is to research the Fair Debt Collection Practices Act. Did the note they left on the screen door indicate they were a collection agency? If so...they violated federal law. Did they indulge any information to the neighbor such as they were debt collectors trying to track you down? If so..they violated the federal law again. May I ask how old this debt is? If it is over 7 years old the statute of limitations may have expired for any legal action to ensue. Research both the federal laws AND the state law of where the debt was incurred.
I have had experience with this company and I know how they operate. They will break the law and make unfulfilled promises just to get you to send them as little as a dollar bill toward the debt. Don't send them a thing until you educate yourself as to what FAIR debt collection practices you are entitled to. Visit the Federal Trade Commission's website at www.FTC.org for information regarding this federal law and also your library! Good Luck!
P.S. To Stephanie from UCB...learn how to spell. If you are going to rebutt on behalf of your company please learn the proper use of the words 'to' and 'too'.
We do our job the best we can.
I have been an employee of United Collections Bureau for over a year. I have to say that we follow the guidelines set by the Federal Government very carefully. I won't lie and say that some collectors have not violated it at one point or another, but our Management team is very hard on them and some collectors have even lost their job.
This is not an easy job to do. We are trying to collect money from people that try their best to avoid us. Leaving messages with neighbors or calling relatives is our only way of getting the Debtors to call us back. It's not fun getting hanged up on all day or getting cursed out either, but we show up to work and do our best.
Each person we are trying to collect money from signed an agreement with the Credit Card Company letting them know that if they default on their agreement, collection acts will begin. We are just trying to fulfill the obligation of the person who signed that agreement.
We know that people have rough times in their lives and that things just go wrong, and most of us care enough to work with you. Don't be afraid to face your debts head on, and don't think every collection agency is a fraud. Just make sure if you make an arrangement that you can get it in writing and just call us back. Believe it or not, we are here to help.
They do illegal practices
They did the same thing to me too Karen. I got a court juggment in the mail forwarded from a prior address that I hadn't lived at in 6 months saying I never showed up for court and a judgment was awarded against me. I called the lawyer that was listed on the judgment and it came to the phone service saying that it was an attempt to collect a debt.
The lady I ended up talking to told me they served me personally. I laughed and said thats hard to believe because I havent lived at that address for 6 months. How can a collection company be awarded a judgment like this? I also recieved a letter in the mail they are trying to garnish my income tax refund. It said they were suppose to notify me within 14 days and they didnt notify me until February. They filed in December for the garnishment.
How do these companys get away with this crap??? The items they went after me for was for 2 medical bills from the hospital from when I had my son. I think something should be done about this company obviously they are not practicing ethical and legal laws.
Are you for real?
Collection Agency litigation is rampant in this country because collection agencies:
Threaten lawsuits when they have no intention of filing or have no right to file;
Threaten jail;
Threaten repossion of property they have no legal right to repossess;
Add on fees for which the law does not allow;
Call at odd hours of the night;
Send letters to family or friends telling them that the debtor is a deadbeat.
There is much much more and it is a great money maker for attorneys.
Submitted: 2/26/2005 8:16:48 PM
Modified: 2/26/2005 10:17:06 PM
Helen
Goose Creek, South CarolinaU.S.A.
Collection Agencies are like this!
The reason they get away with it is because too many consumers are not aware of their rights! They are too afraid to go against the agencies and so they continue to get away with it!
Be aware of your rights!
Problems with United collections bureau originating from Southshore Hospital
Kristy, Your not alone! United collection bureau is bad enough to deal with and cannot or will not handle any case with professionalism,let alone do their own job right. As a matter of fact, it will be easier to let an attorney handle the matter.
Bill Payment A bit of advice
A bit of advice. The key is: Make sure you pay your bills. Even if it's a dollar. Just make some effort in paying them. Make sure you pay ON TIME!!!!
The reason for so many bad credit reports is the lack of paying your bills ON TIME! They cannot come after you if you make an effort in paying them.
Also. CUT UP YOUR CREDIT CARDS!!!!!!!!!!!!!!
Introducing Elmer To The Real World
I recently got copies of my credit report just because you can (one copy from each CRA free each year). I have accounts that aren't mine, addresses where I have never lived, employers where I have never worked. Don't think for one minute that bottom feeding collection agencies don't latch on to people just because they can. It happens every day. It is very important to know your rights and to fight for them.
I have a tape of UCB debt collectors abuse and lies
I too am a victim of UCBs fdcpa violations by thier debt collectors. I have the tape of the voice message 'jim' left me trying to scare me with 'this is in reference to a lawsuit being filed against you and i need to talk to you about it.' I am filing a suit of my own,. If anyone has proof of the violations UCB did to you, email me at sweet__melissa2@hotmail.com. I would be interested in talking to you as a class action suit gets more attention than a individual one.
To the employee of UCB
How about all the people you threaten and harrass that havent and probably never will do business with your 'clients'? You apparently have someone on your collection rolls that has a similar name to me and I get the same treatment as them. Most of the attempts by me to clear this up end the same way...a quick hang up and another call two weeks later with a message demanding I call you to settle 'my' debt.
Submitted: 12/24/2005 10:23:37 AM
Modified: 12/24/2005 10:23:37 AM
Jalon
Boynton Beach, FloridaU.S.A.
Fired for being a victum at Uinted Collection Bureau, i was threaten for my life
I am an x-employee name Jay Torres I used to work there until they fired me cause of someoe in the building. i was threaten for my life and united collection bureau did nothing now i am willing to testify of all the illeagal practices that goes on, there are even cameras in the building that shows proof of illegal activity.I can tell you things that really goes on i am willing to testify the truth on united collection bureau for what ever needs to be done i have tapes and video that proof there coruption so if anyone wants to join me in this case i'm building against an evil organization.
You can reach me at dvsly12b@yahoo.com, we together as a witness i am willing to bring justice to the american people and serve what is right. This company is wrong and evil. someone please contact me. 561-541-8468.Let justice be served to the wrong.I to have broken the law and willing to testify for what is right.
UCB violated with that note
The message left with the neighbor that resulted in the note on the screen door was a blatant violation of the FDCPA.
It is only allowable to contact a third party ONE time, and ONLY in an effort to determine the whereabouts of the debtor.
It IS ILLEGAL to in any way indicate that you are a debt collector.
To the 'employeee' of UCB: Have you ever actually read the FDCPA? Do you even know how to read?
Probably not, as that is why you are working as a collector for a bottom feeder like UCB.
I am a victim also
I received a phone call from my aunt because she had a message for me. A company called her wanting to speak to myself or my mom because they had good news for me. I needed to call them back as soon as possible. I then called back and found out it was UCB. They said that they had good news where I owed my creditor and had to pay that same day or they would have to take it to litgation the next day. They wanted $500.00 a month and that was the only way that I can pay my debt was through them. I informed them that I was still getting mail from my creditor in the mail. And then I asked why they called my Aunts house and my creditor has all of my contact information.
I later that day received a message that was sent through my mom from uncle that moved to Texas and has an unlisted number. They called him and said they were attorneys looking for me to settle some debt. I again called UCB and asked why they were spreading my business all over the country and why they were not calling me instead of family members. I asked why they could not send me anything in the mail, and how do I know that they are real? She told me not to worry about just get out my checkbook and take care of this today. If anyone is ready to pursue this please count me in.
CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
WHY NOT JUST PAY YOUR BILLS?
I am an employee of UCB and i stumbled onto this 'UCB is a rip off' thing and I've read a few complaints and if you have a problem with UCB calling and 'harrassing' you, why not pay your bills. I am on the phones all day with people that will lie, curse, and swear up and down that there were 'screwed' by the client when in fact they cheated themsleves by agreeing to terms and conditions that, either one, they didn't understand, or two, they didn't even read. And thats not the clients fault. We are all adults. If you didn't understand you shouldn't have agreed to the terms. It is not the clients job to hold the debtors hand.
And as far as illegal practices, pay attentin to detail. Its not what you say its how you say it. Just because you were told that UCB was going to verify employment dosen't mean your wadges wll be garnished, if thats how you take it, thats your own fault. Anyone can verify your employment. Just like debtors have there way of avoiding us, we have our way of getting your attention. The only difference is were trained.
In closing, if your tired of UCB calling you, and your family, and your friends, and your job...then simply pay your bills. Where's the honor?
What about when the Third party collection agency has wrong information?
I work for a credit card company and I know that it is necessary sometimes in taking stronger measures to pay a debt when a customer is trying to avoid that. I know that we will also work with that customer during hardship and do whatever we can to bring the account current and assist. However its not a perfect system and yes it involves constant communication between the customer and the company. I waive fees on a daily basis, update credit reports and resolve customer issues. It can be done.
You don't want these barracudas after you and the thing that upsets me the most, is seeing the many notes on an account where the customer has called many times and tried to work with us and then they the third party collection agencies get a hold of them and ruin all the communication we have built to collect our debt.
The one that really upsets me and I have seen this one alot lately is when the collection agency starts harassing customers that do not even have an account with us, simply because that person has the same name. I get to take those calls and have to let those customers vent at me, simply because the third party agency is ruthless, rude and I personally do not think that is necessary. Even in bill collecting we can have some dignity and professionalism in our job. Ever heard you catch more flies with honey? Actually it works I demonstrate this everyday with our customers. And just maybe you have the wrong information. At least check out the facts. I do.
I agree you do a job. But, sometimes there are facts that are not what they seem and you do more to ruin a companies name than to help anyone in collecting a debt.
What about when the Third party collection agency has wrong information?
I work for a credit card company and I know that it is necessary sometimes in taking stronger measures to collect a debt when a customer is trying to avoid that. I know that we will also work with that customer during hardship and do whatever we can to bring the account current and assist. However its not a perfect system and yes it involves constant communication between the customer and the company. I waive fees on a daily basis, update credit reports and resolve customer issues. It can be done.
You don't want these barracudas after you and the thing that upsets me the most, is seeing the many notes on an account where the customer has called many times and tried to work with us and then they the third party collection agencies get a hold of them and ruin all the communication we have built to collect our debt.
The one that really upsets me and I have seen this one alot lately is when the collection agency starts harassing customers that do not even have an account with us, simply because that person has the same name. I get to take those calls and have to let those customers vent at me, simply because the third party agency is ruthless, rude and I personally do not think that is necessary. Even in bill collecting we can have some dignity and professionalism in our job. Ever heard you catch more flies with honey? Actually it works I demonstrate this everyday with our customers. And just maybe you have the wrong information.... At least check out the facts. I do.
I agree you do a job. But, sometimes their are facts that are not what they seem and you do more to ruin a companies name than to help anyone in collecting a debt.
Response and advice to Bobby the UCB Collector..
Bobby,
That is the typical debt collector BS I would expect. However, that is not the way it works. Many people have legitimate reasons for not paying debts, however once it is assigned to a third party collector, paying it will never do anything for the debtor, therefore there is no reason to pay it.
Paying that debt in collections will just show as a paid collection, which is still a negative, but now the 7 years negative reporting starts all over again.
If the original creditor wanted to get paid, they would have worked something out instead of turning it over to collections.
When creditors start practicing responsible lending of unsecured credit, I will then feel sorry for them losing thier money.
There is no reason for anyone to communicate with a third party collector. It will never do anything positive for the debtor. You are not customer service. You are bloodsucking parasites who only care about your commission and do whatever it takes to get it, even breaking the law.
Think about it, if the debt is valid and you have the right to collect it, why are the phone calls needed? Just send one letter, then file the lawsuit. No harassment required.
To Steve
'It never does the debtor any good to pay a third party collection agency'? Steve, what kind of ignorant gibberish is that? First, it will stop all collection, which it seems everyone's getting bent out of shape about. Secondly, it will show 'paid' on their credit, as opposed to a charge off. And, in my opinion, most importantly, be a person of your word.
Granted, there ARE legitimate reasons why people CAN'T (not won't) pay their bills, but for every person that CAN'T, there are hundreds of others that can and use the excuses of the uncapable to get around paying. So yes I, personally, will use all the tools and strategies know to me to collect from those people. To the people who get their feelings hurt in the process...Be a big boy and suck it up. Nothing personal.
Bobbie, I want to thank you....
From the bottom of my poverty stricken heart, I must express my appreciation to you and all the debt collectors across the country.
Yes, I am quickly becoming a self-taught expert on how to cut you debt collectors off at the knees! I would rather never have another penny of credit again than give you tape worms one thin dime. Thank God their are sites like my very favorite consumer advocate, Mr. Hibbs has...
You are so full of it I have to laugh. Oh sure, you sound so reasonable, but you and all others like you have a field day when you are behind your phones.
I beat them, though....I look at it collectively...so consider yourself whipped! By a girl even! One that you harrassed most likely....teehee....You and your crones will never be able to contact me ever again...
I wish you all the joy you have brought to people over time.....See ya sucker!
Response to Bobby the Collector - I can STOP collections activity WITHOUT paying! You are a moron, like most collectors.
Bobby,
Do you really believe that jibberish you are spewing? Do you really think that the only way to stop collections is to pay? You are a moron, like most collectors. I have shut down every collections attempt and lawuit over the past 5 years, and now am past SOL on all except one debt, and have not paid 1 dime to any of them. Why is that?
Furthermore, paying an old collection account will HURT the debtors credit. The more recent a negative is, the more damage it does. Furthermore, the payment WILL NOT remove the negative, it will now show as a PAID COLLECTION which scores the same as a charge off, but now is more recent. Do you really think you understand credit scoring? I'll bet you have no idea how it works based on that comment.
You are the typical uneducated debt collector that will come on here for a week or two, then we will never hear from you again after you get fired.
Bobby,You wrote:
To Steve
'It never does the debtor any good to pay a third party collection agency'? Steve, what kind of ignorant gibberish is that? First, it will stop all collection, which it seems everyone's getting bent out of shape about. Secondly, it will show 'paid' on their credit, as opposed to a charge off. And, in my opinion, most importantly, be a person of your word'.
Granted, there ARE legitimate reasons why people CAN'T (not won't) pay their bills, but for every person that CAN'T, there are hundreds of others that can and use the excuses of the uncapable to get around paying. So yes I, personally, will use all the tools and strategies know to me to collect from those people. To the people who get their feelings hurt in the process...Be a big boy and suck it up. Nothing personal.
Bobbie - TOLEDO, Ohio
U.S.A.
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
Bobby, if you know so much, how come you fools couldnt collect from me? You tried TWICE and each time I STOPPED YOU COLD in a week.
Also keep in mind that the individual collector can be sued and prosecuted individually, as well as the agency. I always file suit on the collector. Do you think your company will defend you? NO! They will fire you. Then you are unemployed, defending against my lawsuit.
Thats how the real world works junior. Learn the game before attempting to put me down or 'eduacate' me.
It didn't take long for someone to prove my point, Thanx, Deana
Here is a perfect example of the type of person I mention in my last rebuttle. The type of person who thinks its a joke that they're in collections and find it humerous to argue with a debt collector and think they're getting over.
Here's the skinny, mate... within ten seconds of hanging up with an irrate debtor, I will be on the phone with another one. I am African-American, and you wouldn't believe how many times I get called the 'N' word in a normal business day. So you have to learn to let those type of people, and the ignorant things they say, role off of your back. The point I'm getting at is, yeah Deana, you might get a kick out of a little three minute battle of whits, but at the end of the conversation you still in debt, you still have a charge off on your credit, and, the biggest nail in the coffin, I will call you again in a couple of days and get paid for it.
In closing, so what if, every now and then, you get the best of a debt collector, Deana, because one minute after the hang up, I wont even remember your name...so have fun.
Need some advice, Bobbie
I've been dealing with your company for a couple of weeks now and I'm completely frustrated. I have a spotless credit record, always pay my bills on time, but had my name forwarded to UCB because of a billing error by Verizon (not only was the charge in error, but they mailed it to the wrong address so I couldn't dispute it). Verizon has admitted the mistake was theirs and has said they will be contacting UCB, but in the meantime I'm getting harrassing phone calls from your company on a daily basis. Two of your collectors refused to give their names, so now I've had to resort to taping the phone conversations. What's humorous is that today when I let the unnamed black female collector (was it by chance you, Bobbie?) know that I was taping the conversation, she informed me that she didn't give her consent to be taped but that she was taping our conversation. I'm sending out a 'cease and desist' letter tomorrow, so hopefully that will work. If not, I look forward to reporting UBC to the state Attorney General and the Federal Trade Commission.
So what more do I need to do, Bobbie? This whole thing is Verizon's fault, by their own admission and they have sent a letter stating as much to UCB. Can you imagine how annoying it is having you and your co-workers calling me on a daily basis telling me I'm a liar and a deadbeat and insisting I send money for a bill I don't owe or they'll ruin my credit? I won't hold my breath waiting for an apology from UBC.
Huh?
I have a question for Bobby, the employee!
How does anyone know that you're African-American when you're attempting to collect a debt by phone?
What's good for the goose is good for the gander, right? Debt Collection Agencies prey on people when they are most vunerable. You and people like you justify and enjoy kicking people when they are already down. You get some sick pleasure from verbally hammering consumers who would much rather pay the bill if they could than take another one of your vicious calls. Constant calls, presumptuous allegations and despicable assertions do not magically create the ability to crap out dollar bills.
Although I do not agree with the use of the 'N' word at anytime, I have to say to you, how does that medicine taste? After all, it's nothing personal, right?
Response to Bobbie the collector, You might want to get educated first
Bobbie,
If you actually knew anything about credit scoring you would understand my post.
Paying on an old collection account actually hurts a persons credit score much more than just letting it go past SOL. You see, on a negative item, the score is worse the more recent it is.
AND, paying the collection just shows on your credit file as a paid collection. It does not remove it from your file or make it a positive. It is still a negative equal to the collection for scoring purposes.
FYI Paying a collector is not the only way to get rid of them. I have never paid any collector, and have gotten rid of all of them. I have never paid a dime and I have no judgements on me at all. It is now 5 years and past the legal SOL.
So, what exactly was your point? Ignorant jibberish? I think not. My performance speaks for itself. I have nothing to prove to you.
The Worst
Man this thread has turned from a legitimate complaint about the tactics of a collector who probably violated the law, into an ignorant rant from the worst on both sides of the debt collection issue.
You ALL need to educate yourselves.
To my 'friends' at ucb. THE FDCPA IS NOT A FRIGGIN GUIDELINE! ITS THE LAW AND IT REQUIRES YOUR OBIDIENCE!! Having been a collector for ten years it disgusted me when not one but TWO of your collectors violated the fdcpa on my voicemail. ON THE SAME DAY!!! But the best part is when I called your agency and you guys violated state law as well. The FDCPA is not rocket science, you dont lie, insult, misrepresnt, or harass and youll generally be ok, but apparently that was difficult for two of your collectors to understand. Breaking the law is bad, breaking the law on a voicemail, is really bad, but breaking the law on the voicemail of a guy who has been doing collections for most of ten years..Priceless.
To steve and all the people on the other side, my first suggestion would be to go and check with a loan officer and just see what gets you the lower rate, a paid collection or an unpaid collection. and as for paying not stopping collections calls, well, i dont work for ucb there so god knows what they do, but I know wherever I worked we sent pif letters and didnt bother the people again. You guys also might want to look up the difference between civil and credit statutes of limitations. It will shock you to reailize that in some states you can be collected on years after the credit statute expires. You can even be called after the civil statute expired the agency just cant do anything involuntary.
When I have to contact individuals I try to work out what they can really do with them, I dont mock them, insult them or any of that nonsense, but Ive got to be honest, when i get off the phone with guys like steve here, I laugh. A lot.
I missed one little thing
'it will now show as a PAID COLLECTION which scores the same as a charge off, but now is more recent.'
Ugh, a little logic nips this one in the bud. A paid collection is a PAID account which means that instead of it being delinquent anymore it has been resolved. Wheras charge off means the creditor has written the account off as bad debt. And if recency had anything to do with anything why would creditors and bureaus make such a big deal about reporting days delinquent? Credit reports steve, are for the benefit of creditors and were created by them in order to assist in judging how bad a credit risk a person is, and part of that risk assessment is looking at how long a person hasnt paid their bills.
Info for 'J', I used to be a Mortgage Broker and loan Officer
'J',
I know exactly how credit scoring works. Paying a collection accout DOES hurt your score more than just letting it go. The main factor in credit scoring is how recent the activity is, positive or negative.
If you have a 4 year old collection account and pay it, now you have a recent 'paid collection'. The paid collection and the open collection score exactly the same, negative.
Time is the key to all credit scoring. That was my point. People think that paying a collection account removes it or makes it positive. It does NOT. A negative will always be a negative, and the only thing that removes it is time. The only thing that lessens the impact on your credit score is time.
Furthermore, 'J' the collector is just mad I am educating people how to beat collectors!
'J',
I suggest you find a new line of work, because you are totally clueless as to how credit reporting works.
You are really upset by my posts, because I educate people on how to avoid and/or beat bottomfeeders like you.
The profile of a debt collector is a very scary one. Most collectors have a need for power as they were abused as children or something of the kind. They have a need to 'get even'. They enjoy terrorizing little old ladies and handicapped people from the safety of their cubicle while hiding behind a phone.
Collectors speak to people behind the safety of the phone and being anonymous, when they would never speak to anyone like that face to face.
Collectors are usually on some sort of power trip, they have a need for control, and when someone like me takes away that power and control, people like 'J' get on the defensive in an attempt to regain control.
The truth is, collectors are ABSOLUTELY POWERLESS, and you should NEVER speak to a collector on the phone, and you should NEVER pay a collector. These are absolute proven facts that all effective consumer advocates agree on.
Make them accountable so you can sue them and even prosecute them. That is why you only communicate with a collector in writing, and by certified mail, return reciept requested.
Think about it, if the collector could actually do something, they would have no need to speak to you, they would just do it, right? They need to speak to you so they can lie to you, trick you, intimidate you into validating a debt they cannot validate without your help.
STAY OFF THE PHONE!!!
STEVE, STEVE, STEVE
IM GUESSING ONCE AGAIN THAT YOU DONT PAY ANY BILLS AND MOST LIKLEY ARE IN COLLECTIONS RIGHT NOW, SINCE IT SEEMS ALL YOU DO ALL DAY IS WRIGHT ABOUT HOW HORRIBLE COLLECTION AGENCIES ARE. THE SIMPLE FACT IS 'PAY YOUR BILLS LIKE AN ADULT IS SAPOSED TO' AND YOU WONT BE IN COLLECTIONS AND WOULDNT HAVE US CALLING. NO EXCUSES, NO 'IM NOT WORKING', OR ' I JUST HAD A BABY' OR ' I JUST GOT OUT OF THE HOSPITAL' IT DONT MATTER NONE OF IT MATTERS. WE ALL HAVE TO PAY TO LIVE IN HOME, HAVE FOOD, HAVE ELECTRICITY, HAVE HEAT ECT.. SO WHY NOT PAY FOR ALL YOUR OTHER NEEDS LIKE THE REST OF US DO.. THAT GOES TO ALL PEOPLE WHO THINK THEY DONT NEED TO PAY THERE BILLS. GET A LIFE AND GET A JOB LIKE THE REST OF US AMERICANS DO.
Steveo...
Man you have some issues...But ill take care of it.
'J',
'I know exactly how credit scoring works. Paying a collection accout DOES hurt your score more than just letting it go. The main factor in credit scoring is how recent the activity is, positive or negative.'
And another factor is the severity and length of delinquency. But you neglect to mention THAT little piece of information. Guess it doesnt fit your argument.
'If you have a 4 year old collection account and pay it, now you have a recent 'paid collection'. The paid collection and the open collection score exactly the same, negative.'
Paying the account indicates ability and willingness to pay. Again affecting your score. If you dont like something dont mention it. Right steve??
'Time is the key to all credit scoring. That was my point. People think that paying a collection account removes it or makes it positive. It does NOT. A negative will always be a negative, and the only thing that removes it is time. The only thing that lessens the impact on your credit score is time.'
Paying the account is less of a negative than leaving it unpaid. But hey youre batting a thousand, why stop now?
Steve - Bradenton, Florida
U.S.A.
Rebuttal Consumer Suggestion
Submitted: 10/4/2006 7:06:18 AM Modified: 10/4/2006 7:06:18 AM
'Furthermore, 'J' the collector is just mad I am educating people how to beat collectors!'
Just mad? LOL, no you give people bad info, thats my problem with you, if your gonna 'educate' anyone start with yourself.
'J',
'I suggest you find a new line of work, because you are totally clueless as to how credit reporting works.'
Again steve, go talk to a lender, see what they say to you about unpaid bills on your credit. You might be in for a shock. (Try going to a REAL mortgage lender for a home loan and see what they tell you about your collections..)
'You are really upset by my posts, because I educate people on how to avoid and/or beat bottomfeeders like you.'
Again, bad info, makes me a little irritated but hey, weve all got pet peeves.
'The profile of a debt collector is a very scary one. Most collectors have a need for power as they were abused as children or something of the kind. They have a need to 'get even'. They enjoy terrorizing little old ladies and handicapped people from the safety of their cubicle while hiding behind a phone.'
LOL, youve got issues man. Maybe you were abused but..I dont know you and i dont presume to know anything about you other than the fact that you seem ignorant.
'Collectors speak to people behind the safety of the phone and being anonymous, when they would never speak to anyone like that face to face.'
Hmm, I try to be as eloquent and intelligent as I can both on the phone and off and I try to speak to everyone that way, but hey, you must be used to dealing with people just like you.
'Collectors are usually on some sort of power trip, they have a need for control, and when someone like me takes away that power and control, people like 'J' get on the defensive in an attempt to regain control.'
Whatever man, I just want to obey the law and try to get you to pay your bill, if you dont want to I move on. Because the next call will pay me.
'The truth is, collectors are ABSOLUTELY POWERLESS, and you should NEVER speak to a collector on the phone, and you should NEVER pay a collector. These are absolute proven facts that all effective consumer advocates agree on.'
Riiiight, just keep the account in the collections cycle forever, just keep letting them call you forever. That sounds like a truly intelligent idea. If youre like steve.
'Make them accountable so you can sue them and even prosecute them. That is why you only communicate with a collector in writing, and by certified mail, return reciept requested.'
And it comes shining through, the ignorance that is. Steve, if a collector violates, 99.99999999999999999999999999999% of the time that person/company will ONLY be liable under federal and or state statues and NOT under criminal ones. Did you ever hear of a collector being arrested for things they said on the phone? No. Did you ever hear of a collector being criminally prosecuted and not in civil court but criminal court? No. Theres a reason for that steveo... And i absolutely love the misconceptions about certified mail with return receipt, all that means if you get the receipt is someone signed for it. Does the letter mean any more? No. Does it mean they didnt get a laugh out of it and then shred it? No.
'Think about it, if the collector could actually do something, they would have no need to speak to you, they would just do it, right? They need to speak to you so they can lie to you, trick you, intimidate you into validating a debt they cannot validate without your help.'
Steve, my man, youve got some serious misconceptions about how LAW ABIDING collections agencies work. We want to talk to you to get you to pay the bill to make our client happy, and well work with you to try to get that done. Thats it! Lying, tricking people and intimidation are ALL violations of the fdcpa and state laws usually as well. NO INTELLIGENT COLLECTOR is going to risk his livelyhood to lie to you or whomever to get you to pay your 70.00 cable bill, or your 7,000$ dollar loan. Its just not worth it.
On a small side note the agency i used to work for had a 10 person legal department whose purposes were to work with people if possible, and if not to obtain judgement if an asset was present and execute on that judgement.
'STAY OFF THE PHONE!!!'
Sure pay it by mail, that way its done and out of your hair. Best suggestion ive seen from you.
Submitted: 10/4/2006 11:14:01 AM
Modified: 10/4/2006 11:14:01 AMCharles
Phenix City, AlabamaU.S.A.
a collection agency has no right to harass us
A collection agency has no right to harass us! if they cannot accept our reason for not paying the by their requested date then they are not worth talking to. We all have rights not to be harassed! Collectors trying to harass us on this website! You try explaining things to them but they will not listen! They will not even accept our reason on this website! They will never listen! They do not care about anybody but themselves only! Just ignore these idiots! That will piss them off!.
Submitted: 10/4/2006 12:32:38 PM
Modified: 10/4/2006 12:32:38 PMLinda
Moncks Corner, South CarolinaU.S.A.
to help out a little bit
This is to help Steve out a bit more for further clairfication for you 'J'.
You wrote:
'And another factor is the severity and length of delinquency. But you neglect to mention THAT little piece of information. Guess it doesnt fit your argument.
and steve tried to tell you:
'I know exactly how credit scoring works. Paying a collection accout DOES hurt your score more than just letting it go. The main factor in credit scoring is how recent the activity is, positive or negative.'
so here is my take on it:
When a collection account on a credit report is not paid after a certain TIME (7 years) it will be DELETED off the credit report. This is what Steve meant by waiting time. Why would someone who has a collection account that only has 3 years left of the 7 years? If they did pay it then this would start the 7 years completely over and show as a 'paid collection' which is a 'negative' mark on their credit report instead of completly gone! (postive mark)
you wrote:
'Paying the account indicates ability and willingness to pay. Again affecting your score.'
you just didnt let people know the 'whole truth' j
so here it is 'J'
what would you do if you only had 3 more years to wait until a tradeline would be dropped from your report and this was the only 'negative' tradeline on your report? would you leave it alone and wait the 3 years when it completely drops off so you could finally buy that house, car, boat or whatever, or would you 'be a good little citizin' and pay the 4 year old collection and have to wait 7 YEARS before buying that house, boat or car??? hmmmm???
so please think before you type
When a collection account on a credit report is not paid after a certain TIME (7 years) it will be DELETED off the credit report.
Is wrong with you people! OMG, between the lack of knowledge about the fdcpa, credit reporting, or anything else I think im gonna blow a friggin gasket.
'When a collection account on a credit report is not paid after a certain TIME (7 years) it will be DELETED off the credit report. This is what Steve meant by waiting time. Why would someone who has a collection account that only has 3 years left of the 7 years? If they did pay it then this would start the 7 years completely over and show as a 'paid collection' which is a 'negative' mark on their credit report instead of completly gone! (postive mark)'
Gone is neither positive or negative, its just not there. And unlike some peeps on these boards I can actually read. If you could read you might realize i was stating that paid collection is a less severe bad mark than unpaid.
'what would you do if you only had 3 more years to wait until a tradeline would be dropped from your report and this was the only 'negative' tradeline on your report? would you leave it alone and wait the 3 years when it completely drops off so you could finally buy that house, car, boat or whatever, or would you 'be a good little citizin' and pay the 4 year old collection and have to wait 7 YEARS before buying that house, boat or car??? hmmmm???
so please think before you type'
Ahh, where to begin, where to begin....Lets take the point i know from personal experience first. Most mortgage lenders will simply ask you to repay
the detremental item before getting you the loan, or they will work with you to get the item paid by incorporating it in the loan. Crazy huh? Maybe a slight increase in the intrest rate but thats about all that will happen. Keep in mind im not talking about a really large debt, say over 5 k, but some may even get that financed for you.
Second, why in the world do you want to have the account continue in the collections cyle? I mean really do you want calls every other day or so for years? Come on man,thats just silly. And if by good little citizin you mean someone who knows they signed the contract and tries to repay it, well yes i am, thanks.
And as to the 'think' remark well.....
I think I signed the contract, I think I should at least TRY to repay it.
Thanks for playing.....
Thanks to LINDA, and someReal advice for 'J' the collector
Linda,
Thanks for the help. But only one clarification. The 7 year reporting time does not start over just by making a payment. Some states allow the extension of the 7 year rule only if the SOL was reset, and that is what is being reported. Another way the reporting can get extended past 7 years is if a NEW account was created through re-affirmation of the debt. An original debt, left alone, can only be reported for 7 years.
SOL is different in every state, and making a payment will reset the SOL for collections enforcement such as lawsuits, judgements and garnishment. SOL is different than 7 year FCRA reporting.
Now for 'J',
I really love when someone as uneducated and illiterate attempt to slam me and correct me. You are truly a moron. I was very clear in my response, but you have marginal reading and comprehension ability, so I will make it simple for you.
First, I was in the mortgage business. I worked in both the wholesale and retail sides of the business. I was a loan officer for a conventional lender and also an originator for 3 loan brokers. I dealt directly with underwriter every day and have closed hundreds of loans. I know exactly how credit scoring works.
I'll make it simple so your little feeble debt collector cubicle confined crack smoking brain can get it.
Negative is Negative. Period. It makes no difference about ability or willingness to pay. The scoring is the same.
A charge off scores EXACTLY the same as a paid collection. The ONLY difference in the scoring between the two is the paid collection is recent, thus lowering your credit score more than the charge off. I made this clear in the previous post.
The only reason lenders make you pay off in stat collections, etc. is that they do not want liens filed on THEIR collateral. If you default on the loan and collectors have leins on the property, they have to be paid. It has nothing to do with helping your credit score, they are protecting themselves.
There is no reason to EVER speak to a debt collector on the phone as it will NEVER do anything positive for anyone but the collector.
There is no reason to ever pay a third party collector, as it will only hurt your credit score. Therefore all contact with collectors should be cut off entirely, as only about 5% of collections, or less ever go to court, and of those even fewer ever see even 1 cent if they do win in court.
The moral of the story is always just make the bottomfeeders spend the time and money to sue you, as most won't. That is a firm, verifiable statistic. Never ignore a summons. Have fun with it, then sue them when they lie, and/or falsify documents as they are sure to do.
So, 'J' the collector, those are the facts. I guess 'J' stands for JUNIOR, as I was in the mortgage business probably before you were born.
You know nothing, and you are illiterate. Get educated, put your crack pipe down and go back to your cubicle.
Submitted: 10/6/2006 4:53:56 AM
Modified: 10/6/2006 4:53:56 AMLinda
Moncks Corner, South CarolinaU.S.A.
thank you Steve
for clearing that up for me. sorry about the mistake.
as for j
what steve said:
'A charge off scores EXACTLY the same as a paid collection. The ONLY difference in the scoring between the two is the paid collection is recent, thus lowering your credit score more than the charge off.'
is exactly my point...why would you want to pay a charge off account if it doesnt help you in any way? NEGATIVE IS NEGATIVE.
And as for your comment about a signed contract. What about the bottom feeders who hound you when the account isnt even yours? I have a credit report from 2003 that states I had an account with Empire Wireless since 1997, I have never had an account with them! Never even heard of them. Well the account was moved from collection agency to collection agency the last 9 years(this is what they do, JUNK DEBT BUYING) and when a new agency claimed it was a 'new account' it lowed my score. Getting tons of calls from all of them I found this website and serveral other resources and was able to stop the calls and I was able to get the collection agencys off my credit report! My score has jumped almost 40 points because of this!!
So in your mind I am supposed to pay this account??...I dont find that very fair!
okay....
I cant even bear to read the ignorance anymore, its just too much. But do yourselves a favor and look up the difference between a collection agency and a debt buyer ok? Maybe wikipedia would help you out on that.
Have fun kids.
The Bottom Line Is....
Collectors are nothing. CA's are not the original creditors so are therefore useless. Ultimately they are unimportant. Get them out of your hair, then pay the OC....better yet, pay the OC first then alert the CA's...that usually pisses them off!
My credit report? It's actually pretty good...
There is never a good time to deal with the puke stains at UCB.
All the collectors at UCB must be graduates of the Boyajian School of, 'how to make your career as a collector short one'.
I'd like to see the credit reports of 99% of the collectors who call and harangue people...bet they'd be mighty embarassed to be shown to the public as the 'dead-beats' they claim their victims are!
More education for 'J' the UCB collector
'J',
You are very good at calling other people ignorant, but it is you who knows very little of the things you speak of.
In many cases, a JUNK DEBT BUYER and a COLLECION AGENCY are one and the same. This is because MOST collection agencies buy debt portfolios to falsely inflate their bottom line and make their net worth appear larger, as they use the face value of the debts instead of the actual value or price paid.
I can buy several of these portfolios today for 1/4 to 1/10th of a penny on the dollar.
FYI.. MOST Junk Debt Buyers ARE COLLECTION AGENCIES.
So I guess the ignorance you spoke of begins at home in your cubicle at UCB.
'Steve and Linda where is your integrity?'
WOW?I have only one question. Where are your morals and integrity? To actually post that you would rather not be a good little citizen and repay your debt than wait it out 7 years?unbelievable. I am with you J. It is funny that Steve has refused to respond to my last post on 9-27. I said then that we all have a moral obligation to pay our debt. Why in the world anyone would feel they could use that credit card, hospital or cell phone and not have to repay the credit anyone of them so graciously extended is beyond me.
You all have this so backwards. You have lost the point somewhere between crack smoking insults and the FDCPA. Bottom line is?none of the crap matters. PAY YOUR BILLS. If a collector smokes crack?who cares? Make sure there is no need for collectors and PAY YOUR BILLS! If there are violations of the FDCPA?why is that?.Oh yea?YOU DIDN'T PAY YOUR BILLS!
Don't you guys get the point that I have made over and over again? Do you not see what ?J? is trying to say? Maybe this will sink in:
1. THERE ARE deadbeats who refuse to pay their obligation therefore creating a need for collections. Whether internally by the creditors, or through outsourcing, there is a need.
2. These deadbeats stand for 3% of the 5% of a creditors collection portfolio. The other 1-2% is legitimate hardships. Steve/Linda ? You have both said you are running from your debt. Steve ? you have even admitted to taking ?under the counter? jobs just to avoid paying your debt. Where do you two fall as responsible citizens? This shows a lack of integrity on both of your behalves.
3. If the American public would slow their greed, spend accordingly, and become more responsible we would have less and less of a need for collections therefore, eliminating the filth and promoting the good.
Steve ? You are right. Time will fix everything. That is not the question here. The questions is (and trust me, this will be my last attempt at reaching all of you):
In a world where we are all judged on our morals and integrity, and credit is granted based on the hard work you have put into your life, why run from your obligations? If you are a father not paying your child support obligation are you not a deadbeat? If buy a home or car and live beyond your means to ?keep up with the Jones? until it catches up with you and then complain because your in collections?.ARE YOU NOT A DEADBEAT? ?They did this to me? or ?I feel harassed??.this is all BS. You have a lack of integrity. Whether its 7 days late, 7 months, 7 years or 17 years, pay what you are morally obligated to and you do not have these problems. 9 times out of 10 you can show me what you think is a legitimate hardship preventing you from paying your debt and I will show you the work-around. Fact is, Steve and Linda listen close here, if you want something done almost each and every person can make that happen one way or another. You have all figured out a way to manipulate your finances to get that toy for your child, that great meal at a fine restaurant, that car you cant quite afford, or those $150.00 jeans that you think looked so good. If you found a way to buy these things you could have paid your existing bills. OR MAYBE, your finances were manipulated by not having the money for these things and using the credit you cannot repay. Why complain about collections?..just don't end up there. If something catastrophic happens that prevents you from paying your bills then prove it and have them dismissed, or better yet, pay them when you can!
We all need to realize that in a perfect world there is no debt. Unfortunately we are not in a perfect world and WE ARE ALL IN DEBT in one-way or another. WE ALL made an adult and conscious decision to use this credit therefore, WE ALL HAVE THE MORAL OBLIGATION TO REPAY IT!
Get beyond the senseless rhetoric posted above and get to the point:
At the end of the day, I OWE THIS DEBT. If I am not the 1-2% of consumers in a catastrophic situation, I OWE THIS DEBT. 1 year, 7 years, 17 years later, I OWE THIS DEBT. MORALLY I OWE THIS DEBT.
Submitted: 10/10/2006 10:13:21 AM
Modified: 10/10/2006 10:13:21 AMLinda
Moncks Corner, South CarolinaU.S.A.
Rick
Seems you did not read my post. I stated that I NEVER had an account with the collector. My name is pretty common which I think is why they choose to come after me for payment. Since I have never had an account with them I refuse to pay them. Your saying that I should? How fair or 'moral' is that?
please read the post and get your facts straight before judging others~!