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Re: USE this- http://www.fraud.org/welcome.htm


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Posted by kathy bergdoll on August 03, 2001 at 13:20:18:

In Reply to: USE this- http://www.fraud.org/welcome.htm posted by MYKE on May 28, 2001 at 11:58:51:

: a very valuable tool for REPORTING this company
: and their fraudulent collection tatics..
: also check your credit report [one free]
: at this - www.credit.equifax.com
: to make sure they have [or have not entered here]

: They did me - and have now added one more violation to the Federal Investigation by doing so - as I noted in this reponse to my Equifax report.

: >> >> In process of instigating a FEDERAL Investigation into GULFSTATE Credit,
: as in the past several months they have made OVER 57 phone calls to this
: number requesting a person who does NOT and NEVER DID exist at this number -

: Their procedures of pre-recorded calls. along with individually made
: 'threatening' calls/ have been taped WITH documentation - ... <<

:
: Myke

:
: : If this is an outside collection agency, then they
: : are clearly violating the Fair Debt Collection
: : Practices Act.

: : "Third-party disclosures" (i.e. telling other people
: : besides the debtor about the delinquency) are
: : prohibited (the main exception being reporting the
: : account to credit bureaus.) They are NOT allowed
: : to tell the debtor's co-workers anything about the
: : debt, or even tell them the reason for calling.
: : They might be able to call the debtor's workplace
: : to try to locate the debtor, but that is as far as
: : it goes.

: : Go to the "Credit Problems" section of this site,
: : and read the "Collection Agency FAQ" article.

: : <------The link is over there.

: : Also read the Fair Debt Collection Practices Act,
: : which that article links to.

: : The next time these people call, directly state that
: : you have read the FDCPA, that you know they have
: : been violating it, and that you will be keeping
: : records of all contacts (including any furthur
: : violations), for a possible complaint to the
: : Federal Trade Commission.

: : Also directly tell them to never try to contact
: : either of ou at work again. The issue of notifying
: : the payroll department would ONLY be legitimate
: : if they had a lawsuit judgement, and were ordering
: : a wage garnishment. If they don't have that, then
: : they don't have any reason to bother the employer.
: : Also, they are prohibited from threatening any
: : legal action which they don't intend to actually
: : take (although these sound like the types of people
: : who will still make bogus threats.)

: : Good Luck.




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