Oct 7, 2014
Betty Bee, GOOD FOR YOU! I would suggest not answering the calls at all; it seems to make these jerks believe they'll somehow get you. Perhaps they hope a rock will hit you in the head and you'll forget you already paid your bills? As for the "Feds" being on the other line, NUMBER ONE, debt is NOT a criminal matter, it is a civil matter, and NUMBER TWO, even if debt were a criminal matter, I'm quite sure it is safe to assume that the "Feds" (I'm assuming they mean the CIA, FBI etc, which are my customers, so I know how they work somewhat) they don't care about little things like a $200 payday loan. They'd care much more about crackheads and heroin addicts collecting their drug money from folks like you and me, ie EXTORTION. What state do you live in, Betty Bee? Another bit of ammo you can use if they bug you again (which they probably will) is find out if your state requires licensing to collect debts. I live in MASS and we do. These jerks are not licensed to collect anything, even if I did owe it. And, don't let them tell you they aren't debt collectors because the FDCPA definition of "debt collecter" is as follows:
(6) The term "debt collector" means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 808(6), such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include --
A) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor;
(B) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts;
(C) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties;
(D) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt;
(E) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors; and
(F) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity (i) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement; (ii) concerns a debt which was originated by such person; (iii) concerns a debt which was not in default at the time it was obtained by such person; or (iv) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.
Of which, none of the above apply to these a-holes....tear them a new one...just like "ISIS"; they'll be found. Hopefully, they'll have a nice dull butter knife to relieve them of their empty heads being on their shoulders....