Re: Collection Agency Harrassment of Elderly on Disability

Posted by Keyser Soze (152.163.189.170) on February 28, 2003 at 22:37:43:

In Reply to: Re: Collection Agency Harrassment of Elderly on Disability posted by Patience on February 28, 2003 at 13:44:05:

Dear Patience:

Appreciate your kind reply. Let's look at the worst case, the CA could file suit tomorrow. They could in absence of any defense on your part obtain a judgement. Good for them, what can they take? Not much from what you describe, it's all protected.
In reality, although these intestinal parasites do file suit, they don't do it often. A good deal of their BS act is designed to psych you out into thinking that a suit will be filed any second. From personal experience and empirical research, so long as the suit is answered in a timely manner, and nothing is admitted in the answer, many times the agency lets it go. This seems to be more common in civil court, for amounts over five thousand dollars.
Civil procedure rules apply, it becomes costly and time consuming to litigate against someone who has answered the suit in language admitting to nothing, claiming a lack of knowledge, thus throwing the burden of proof - and costs - onto the spirochete collection 'lawyer.'
Given that CA's buy dead accounts by the thousands for a penny on the dollar, it's not worth battling with a hostile, able opponent. Their cash meter is supposed to run one way - into their greasy pockets, not flow out to fight you.
In the meantime, pay them nothing, do not settle. You already have paid money. Don't let them con you into settling either. They will send a form 1099 to the IRS, stating that the amount forgiven is unearned income, taxable as such. Proof of the old adage re no good deed going unpunished.
Spent the afternoon wandering about the Zombie Square Mall, watching the hogslop at the Food Court - almost as hideous as real court - here's what kept coming to the fore.
Aside from the FTC violations, the potential for litigation and all, something more serious has occurred here.
In addition to the usual FTC failure to validate violations, these bugs have made illegal threats, to wit, telling someone that they will be forced to sell their home, that they will be forced to pay, all under color of law. These are FTC violations.
As well, something else occurred. As response to these illegal threats, signifigant monies were paid to the CA, clearly under duress born of the fear of losing one's home and income.
In other words, monies were extorted from a disabled elderly person by means of undue influence, this is quite possibly a violation of Florida Criminal Statutes. Will post separately and shortly with the chapter and verse numbers.
An elderly disabled person in a state of ill health was caused to believe that they would lose their home and income unless they paid money to a collection agency which paid, what, one percent of the total amount owed? If this isn't extortion I don't know what is.
These subhuman braying piles of excreta pull stunts like this daily, yet in your case their ruse worked. Their coercive, fraudulent threats against a disabled elderly person actually caused that person to pay them on pain of losing home and income. This might just make the bar as regards Exploitation of the Elderly, and in Florida that can well mean prison time. The state takes a most dim view of those who act in this way.
As such, in addition to others you may wish to tell, you might consider two things. One, call the FL DCYF Abuse Hotline, whose reason for being is to report abuse of children, the elderly, and the disabled. You've hit two bases here.
Two, you may wish to sit down with the detective in your local police or sheriff department to report this, and don't let them even think about trying to sluff you off. Start with them, they might direct you elsewhere, but this may well be something worth prosecuting.
Draw a clear and concise picture for the DCYF and the Cops, and repeat as necessary until they act. An elderly disabled person was, while in diminished state of health, threatened with loss of home and income unless cash was handed over to the collection agency. In other words, if they didn't get some money, this elderly disabled woman would be ejected from her home, left to fend for herself on the street with no monetary resources. Keep drawing that illustration.
The CA has stepped in dog plop all over in this case, the fecalith of greatest stench and calibre is the fact that an elderly disabled person in ill health was compelled under conditions of fraud and artifice to give funds to a CA on pain of being left homeless and indigent.
Nail these scumbags. Some time ago I was hospitalized with very serious conditions. A member of my household received several interesting calls from the kinfolk of these inbred mutants. The gist of them was that I should blow my brains out while in hospital, thus the CA would take the life insurance and clear the debt.
Then they started in on my household members, threatening that they would be thrown in the street and flipped out of their wheelchair. Nice people we are dealing with. Think of these people as bloated ticks in need of a good pop.
Here's a priceless quote from 1997 from a CA employee: "I nailed a single mother with three kids for ninety bucks a month for the rest of her life, like taking candy from a baby". Source: AP article on Credit Cards and Collections.
Here's an image that sticks to the ribs. A young gal of college age, hanging by a rope above her dorm bed, her credit cards arranged 'neath her in circle. The forensic language is unmistakeable, and yes, I am certified to speak to that subject. The roomate stated that prior to the suicide of this young lady, CA's had been calling relentlessly.
Let's give these gibbering camel colons the attention they so richly deserve.
Keyser Soze

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