Input: I had the same situation with another cellular carrier. It seems it' s a ploy to keep making the debt seem fresh. It was another early termination fee, and I wrote many letters before it was finally removed from my credit report. I think that the tactic of selling the same debt to keep it on a credit report definitely should stop. It is one debt, and there is a time limit for how long it stays on one' s credit report. One way to keep track of this is to require people to be notified if a debt is sold. It is required when a mortgage is sold. It seems like a no-brainer. The rules should also be written to discourage--no, to bar--collections companies from passing around debt for the purpose of keeping it on credit reports.

I had the same situation with another cellular carrier.

It was another early termination fee,

and I wrote many letters before it was finally removed from my credit report.

It is one debt,

It seems it' s a ploy to keep making the debt seem fresh.

One way to keep track of this is to require people to be notified if a debt is sold.

It seems like a no-brainer.

I think that the tactic of selling the same debt to keep it on a credit report definitely should stop.

The rules should also be written to discourage--no, to bar--collections companies from passing around debt for the purpose of keeping it on credit reports.

and there is a time limit for how long it stays on one' s credit report.

It is required when a mortgage is sold.

I think that the tactic of selling the same debt to keep it on a credit report definitely should stop.

It is one debt,

I think that the tactic of selling the same debt to keep it on a credit report definitely should stop.

and there is a time limit for how long it stays on one' s credit report.

One way to keep track of this is to require people to be notified if a debt is sold.

It is required when a mortgage is sold.

One way to keep track of this is to require people to be notified if a debt is sold.

It seems like a no-brainer.

It seems like a no-brainer.

It is required when a mortgage is sold.


Input: Well I do want to shout. You' ve never been on the receiving end of a collections company that treats people like cattle with dollar signs on them, whether they owe money or not. And it' s been going on for years. Shame that is the first comment to make to me.

Well I do want to shout.

You' ve never been on the receiving end of a collections company that treats people like cattle with dollar signs on them, whether they owe money or not.

And it' s been going on for years.

Shame that is the first comment to make to me.

Well I do want to shout.

You' ve never been on the receiving end of a collections company that treats people like cattle with dollar signs on them, whether they owe money or not.


Input: I concur with previous comment. If consumers are informed when our mortgages are sold that should be a rule across the board. Sending a letter by mail isn' t very expensive, either. It should contain the amount, info on original debt, the name and address of who owns the debt and I' d even add the amount the debt was sold for. Consumers can keep track for one thing, and make sure these debts are not posted twice on our credit reports, it will let people know who to contact about the debt.

I concur with previous comment.

Sending a letter by mail isn' t very expensive, either.

Consumers can keep track for one thing, and make sure these debts are not posted twice on our credit reports,

it will let people know who to contact about the debt.

If consumers are informed when our mortgages are sold that should be a rule across the board.

It should contain the amount, info on original debt, the name and address of who owns the debt and I' d even add the amount the debt was sold for.

I concur with previous comment.

If consumers are informed when our mortgages are sold that should be a rule across the board.

It should contain the amount, info on original debt, the name and address of who owns the debt and I' d even add the amount the debt was sold for.

Consumers can keep track for one thing, and make sure these debts are not posted twice on our credit reports,

It should contain the amount, info on original debt, the name and address of who owns the debt and I' d even add the amount the debt was sold for.

it will let people know who to contact about the debt.

Consumers can keep track for one thing, and make sure these debts are not posted twice on our credit reports,

it will let people know who to contact about the debt.


Input: I think it should be kept uniform. It seems to make sense for sellers to send notification.

I think it should be kept uniform.

It seems to make sense for sellers to send notification.

I think it should be kept uniform.

It seems to make sense for sellers to send notification.


Input: Probably won' t find any legislation since people who have allegedly defaulted on a debt aren' t necessarily going to tell the world, or create a lobby for their cause. Debt Defaults and Debt Collections are a one sided issue in which judges have been constrained to simply determine if a default has occurred, or not. The lawyers primarily work with strategic defaulters because S. D.' s have some source of money or income available to pay both the attorney and a partial portion of the debt. Involuntary Defaulters are left to fend for themselves because they don' t have money to pay a lawyer. Debt Neutrality, in which an involuntary defaulter agrees they owe the debt and simply want' s to be able to pay it down based on the amount the debt was at the time of the default, with no more penalties, interest rate charges, or fees, even if it takes 10 years to pay off the debt, would possibly alleviate a large amount of unnecessary court cases. And of course, once the very modest initial payments were set up, the account would no longer register as a negative on a debtor' s credit score or credit rating. And to safeguard fraud, the debtor would not be able to keep borrowing larger and larger amounts of money until after their defaults were paid in full. It' s a very logical solution in my opinion. Judges should be able to use logic to solve the growing backlog of credit card default cases.

Probably won' t find any legislation

since people who have allegedly defaulted on a debt aren' t necessarily going to tell the world, or create a lobby for their cause.

Debt Defaults and Debt Collections are a one sided issue in which judges have been constrained to simply determine if a default has occurred, or not.

The lawyers primarily work with strategic defaulters

because S. D.' s have some source of money or income available to pay both the attorney and a partial portion of the debt.

Involuntary Defaulters are left to fend for themselves

because they don' t have money to pay a lawyer.

Debt Neutrality, in which an involuntary defaulter agrees they owe the debt and simply want' s to be able to pay it down based on the amount the debt was at the time of the default, with no more penalties, interest rate charges, or fees, even if it takes 10 years to pay off the debt, would possibly alleviate a large amount of unnecessary court cases.

And of course, once the very modest initial payments were set up, the account would no longer register as a negative on a debtor' s credit score or credit rating.

And to safeguard fraud, the debtor would not be able to keep borrowing larger and larger amounts of money until after their defaults were paid in full.

It' s a very logical solution in my opinion.

Judges should be able to use logic to solve the growing backlog of credit card default cases.

Probably won' t find any legislation

since people who have allegedly defaulted on a debt aren' t necessarily going to tell the world, or create a lobby for their cause.

since people who have allegedly defaulted on a debt aren' t necessarily going to tell the world, or create a lobby for their cause.

Debt Defaults and Debt Collections are a one sided issue in which judges have been constrained to simply determine if a default has occurred, or not.

The lawyers primarily work with strategic defaulters

because S. D.' s have some source of money or income available to pay both the attorney and a partial portion of the debt.

Involuntary Defaulters are left to fend for themselves

because they don' t have money to pay a lawyer.


Input: The letter I received just said this communication is for the purpose of collecting a debt. First, it was supposed to be a " validation " letter, but they don' t bother to validate they jump the gun. Communication is always the best way to avoid confusion, so I don' t think it would be a hardship on anyone to state clearly this is a debt collection agency/company why use euphemisms. And then to state unless such and such is paid by (whatever time frame is legal) this will be placed in collection. I believe there is some rule now to that effect, what I think the problem is, it is not handled consistently. Each of these many many debt collectors do their own thing. Some are better at communicating than others. Some deliberately do NOT communicate, for deliberate reasons. Crafting consistent rules and regulations should be the start. And then actually requiring these companies follow them. If you don' t put teeth into it, none of these collection agencies will bother. There are already rules. But we are here because of lack of obeying the law, lack of ethics, lack of clarity in the law, and in my opinion, laws that are slanted against the consumer.

The letter I received just said this communication is for the purpose of collecting a debt.

First, it was supposed to be a " validation " letter,

but they don' t bother to validate

they jump the gun.

Communication is always the best way to avoid confusion,

so I don' t think it would be a hardship on anyone to state clearly this is a debt collection agency/company

why use euphemisms.

And then to state unless such and such is paid by (whatever time frame is legal) this will be placed in collection.

I believe there is some rule now to that effect,

what I think the problem is, it is not handled consistently.

Each of these many many debt collectors do their own thing.

Some are better at communicating than others.

Some deliberately do NOT communicate, for deliberate reasons.

If you don' t put teeth into it, none of these collection agencies will bother.

But we are here because of lack of obeying the law, lack of ethics, lack of clarity in the law, and in my opinion, laws that are slanted against the consumer.

Crafting consistent rules and regulations should be the start.

And then actually requiring these companies follow them.

There are already rules.

so I don' t think it would be a hardship on anyone to state clearly this is a debt collection agency/company

Communication is always the best way to avoid confusion,

why use euphemisms.

so I don' t think it would be a hardship on anyone to state clearly this is a debt collection agency/company

what I think the problem is, it is not handled consistently.

Each of these many many debt collectors do their own thing.

Each of these many many debt collectors do their own thing.

Some are better at communicating than others.

Each of these many many debt collectors do their own thing.

Some deliberately do NOT communicate, for deliberate reasons.

And then actually requiring these companies follow them.

If you don' t put teeth into it, none of these collection agencies will bother.


Input: I found an unsealed envelope in my mail box that had court documents in them. I contacted the debt collection company and asked what was going on since I had not been served. They claimed a subservice had already been done to someone at my residence. I explained that was probably not likely because I am a Caregiver and I would have been the only one to answer the door and I did not get any service. I had to pay to file a response and was late by one day, andthen had to challenge the default because of the non service. The judge agreed that there had been no valid subservice based on the fact that the service company used the most generic " guess " they could come up with, a women in her mid 30' s to late 40' s, around 5 foot 4 inches, weight around 130 pounds to 150 pounds. That is about as generic of a description as one could give, and it was completely wrong. because that person did not exist. They even made up a name of someone I had never heard of and when I googled the name, could not find it anywhere on the internet. The second time a false subservice happened, a very similar description was given as the first time, and the alleged subservice recipient was identified as " Jane Doe ". I would like to point how dangerous these lies are on another level. I exclusively have been providing CareGiving services for my parents, no one else has. By lying and introducing these lies into a court document, anytime in the future I could be accused of exposing my parents to a person at our residence who never even existed. I was also somewhat frozen by this level of dishonesty because on the rare occasion when I had to sue someone, I followed the law and had the service performed legally and properly. I just expected the same in return and by not getting it weakens one' s ability to respond.

I found an unsealed envelope in my mail box that had court documents in them.

I contacted the debt collection company and asked what was going on

since I had not been served.

They claimed a subservice had already been done to someone at my residence.

I explained that was probably not likely

because I am a Caregiver and I would have been the only one to answer the door and I did not get any service.

I had to pay to file a response and was late by one day, andthen had to challenge the default because of the non service.

The judge agreed that there had been no valid subservice

based on the fact that the service company used the most generic " guess " they could come up with, a women in her mid 30' s to late 40' s, around 5 foot 4 inches, weight around 130 pounds to 150 pounds.

and it was completely wrong.

because that person did not exist.

They even made up a name of someone I had never heard of and when I googled the name, could not find it anywhere on the internet.

and the alleged subservice recipient was identified as " Jane Doe ".

I exclusively have been providing CareGiving services for my parents, no one else has.

because on the rare occasion when I had to sue someone, I followed the law and had the service performed legally and properly.

That is about as generic of a description as one could give,

The second time a false subservice happened, a very similar description was given as the first time,

I would like to point how dangerous these lies are on another level.

By lying and introducing these lies into a court document, anytime in the future I could be accused of exposing my parents to a person at our residence who never even existed.

I was also somewhat frozen by this level of dishonesty

I just expected the same in return

and by not getting it weakens one' s ability to respond.

I contacted the debt collection company and asked what was going on

since I had not been served.

I explained that was probably not likely

because I am a Caregiver and I would have been the only one to answer the door and I did not get any service.

The judge agreed that there had been no valid subservice

based on the fact that the service company used the most generic " guess " they could come up with, a women in her mid 30' s to late 40' s, around 5 foot 4 inches, weight around 130 pounds to 150 pounds.

and it was completely wrong.

because that person did not exist.

I was also somewhat frozen by this level of dishonesty

because on the rare occasion when I had to sue someone, I followed the law and had the service performed legally and properly.


Input: The data is difficult to obtain and likely not attainable considering lawsuits can be filed in magistrate, county, state, and federal courts. Also the data could be inaccurate since a case can be postponed and renewed later. I do not know if there is any central data base for either court. Also, lawsuits are filed in bankruptcy proceedings as well so these would need to be considered as well. This is why I am concerned when numbers just get tossed out without and substance verification. Based on my experiences I would estimate about 1. 5% of delinquent accounts were forwarded to filing a lawsuit.

The data is difficult to obtain

and likely not attainable

Also the data could be inaccurate

I do not know if there is any central data base for either court.

so these would need to be considered as well.

This is why I am concerned when numbers just get tossed out without and substance verification.

Based on my experiences I would estimate about 1. 5% of delinquent accounts were forwarded to filing a lawsuit.

considering lawsuits can be filed in magistrate, county, state, and federal courts.

since a case can be postponed and renewed later.

Also, lawsuits are filed in bankruptcy proceedings as well

and likely not attainable

considering lawsuits can be filed in magistrate, county, state, and federal courts.

Also the data could be inaccurate

since a case can be postponed and renewed later.

so these would need to be considered as well.

Also, lawsuits are filed in bankruptcy proceedings as well

This is why I am concerned when numbers just get tossed out without and substance verification.

The data is difficult to obtain

This is why I am concerned when numbers just get tossed out without and substance verification.

and likely not attainable

This is why I am concerned when numbers just get tossed out without and substance verification.

Also the data could be inaccurate

This is why I am concerned when numbers just get tossed out without and substance verification.

Also, lawsuits are filed in bankruptcy proceedings as well

This is why I am concerned when numbers just get tossed out without and substance verification.

so these would need to be considered as well.


Input: This is unreal. Reading your " if there is a new federal rule regarding messages... " It seems like this agency is trying very hard to make it easy to get around the court decision which is one of the few that protected consumers, and they also seem to try to protect the company that abuse the phone because what these people do is harassment. They know it, and they know how to do it. They' ve gotten away with it for so long because they answer to no one, you' ve put the onus on the consumer to have to sue a debt collector who violates the law. This is unreal.

This is unreal.

Reading your " if there is a new federal rule regarding messages... " It seems like this agency is trying very hard to make it easy to get around the court decision which is one of the few that protected consumers,

and they also seem to try to protect the company that abuse the phone because what these people do is harassment.

They know it,

and they know how to do it.

They' ve gotten away with it for so long

because they answer to no one,

you' ve put the onus on the consumer to have to sue a debt collector who violates the law.

This is unreal.

This is unreal.

you' ve put the onus on the consumer to have to sue a debt collector who violates the law.

They' ve gotten away with it for so long

because they answer to no one,

because they answer to no one,

you' ve put the onus on the consumer to have to sue a debt collector who violates the law.

This is unreal.

you' ve put the onus on the consumer to have to sue a debt collector who violates the law.


Input: Why are these questions putting the onus, once again, one the consumer? It is the collectors who have harassed in the name of collecting a debt. It is pretty easy to distinguish landline from cellphone google the number, that tells you. But creditors use recorded calling, that should be stopped. If they have a well-trained person, that person ought to be able to determine the time zone the consumer lives in. I agree with the previous comment. Creditors should assume the current mailing address is the correct one. How difficult is it to go from there in assessing the times that are appropriate to make calls?

Why are these questions putting the onus, once again, one the consumer?

It is the collectors who have harassed in the name of collecting a debt.

It is pretty easy to distinguish landline from cellphone

If they have a well-trained person, that person ought to be able to determine the time zone the consumer lives in.

I agree with the previous comment.

How difficult is it to go from there in assessing the times that are appropriate to make calls?

google the number, that tells you.

But creditors use recorded calling,

that should be stopped.

Creditors should assume the current mailing address is the correct one.

Why are these questions putting the onus, once again, one the consumer?

It is the collectors who have harassed in the name of collecting a debt.

It is pretty easy to distinguish landline from cellphone

google the number, that tells you.

I agree with the previous comment.

Creditors should assume the current mailing address is the correct one.


Input: I believe that most Defendants are properly served. I review about 200-300 civil cases a month and very rarely is service done improperly. This does vary a bit from state to state but in my experience the majority of defendants have been properly served.

I believe that most Defendants are properly served.

and very rarely is service done improperly.

This does vary a bit from state to state

but in my experience the majority of defendants have been properly served.

I review about 200-300 civil cases a month

I believe that most Defendants are properly served.

I review about 200-300 civil cases a month

I believe that most Defendants are properly served.

and very rarely is service done improperly.

I believe that most Defendants are properly served.

but in my experience the majority of defendants have been properly served.


Input: What a great idea--record them. Reading these comments, there are so many examples of abuse, it seems like this Consumer Protection agency ought to have gotten the message thus far: the phones are used to harass. The only way to get this to stop is to put some teeth into the laws through civil fines, not put the onus on the consumer to have to sue.

What a great idea--record them.

Reading these comments, there are so many examples of abuse,

it seems like this Consumer Protection agency ought to have gotten the message thus far: the phones are used to harass.

The only way to get this to stop is to put some teeth into the laws through civil fines,

not put the onus on the consumer to have to sue.

What a great idea--record them.

The only way to get this to stop is to put some teeth into the laws through civil fines,

it seems like this Consumer Protection agency ought to have gotten the message thus far: the phones are used to harass.

Reading these comments, there are so many examples of abuse,


Input: They have done so. I' ve gotten calls from the same collector who will use a toll free, then a number with an area code, then that number will be changed by a digit. Google the number. That is so helpful. It will tell you the company that is calling. It was always the same on. I agree this is wrong, misleading, a fraudulent way to deal with people. But the totality of all I am reading here is that collectors are harassing and do it by phone. The thing to do is put some teeth into the laws that prevent this. Now, the only thing consumers can do is sue. And for $1000--and you' d be hard pressed to find a lawyer who will sue for such a small amount. It has become a situation that slams the consumer, it has evolved into that.

They have done so.

I' ve gotten calls from the same collector who will use a toll free, then a number with an area code, then that number will be changed by a digit.

It was always the same on.

Google the number.

That is so helpful.

It will tell you the company that is calling.

I agree this is wrong, misleading, a fraudulent way to deal with people.

But the totality of all I am reading here is that collectors are harassing and do it by phone.

The thing to do is put some teeth into the laws that prevent this.

And for $1000--and you' d be hard pressed to find a lawyer who will sue for such a small amount.

It has become a situation that slams the consumer,

it has evolved into that.

Now, the only thing consumers can do is sue.

Google the number.

That is so helpful.

That is so helpful.

It will tell you the company that is calling.

The thing to do is put some teeth into the laws that prevent this.

It has become a situation that slams the consumer,

The thing to do is put some teeth into the laws that prevent this.

Now, the only thing consumers can do is sue.

The thing to do is put some teeth into the laws that prevent this.

And for $1000--and you' d be hard pressed to find a lawyer who will sue for such a small amount.


Input: The debt collector who harassed me did that number one on the " three others " I got calls saying " hey we' ll settle for " such and such. It was a medical debt and I was tempted to say why? There is only going to be more medical debt. When times are that difficult for people, making the mortgage and getting medicine takes precedence. I don' t think it should be legal for any of these things to happen, and certainly not robo-repeat calling but yet as you read these comments they are going on. I hope this has a good outcome and there will be laws and fines for those companies that do this, because what is available now, suing the debt collector, has not put a dent in their egregious behavior.

The debt collector who harassed me did that number one on the " three others "

I got calls saying " hey we' ll settle for " such and such.

It was a medical debt

There is only going to be more medical debt.

and I was tempted to say why?

When times are that difficult for people, making the mortgage and getting medicine takes precedence.

but yet as you read these comments they are going on.

I hope this has a good outcome and there will be laws and fines for those companies that do this,

because what is available now, suing the debt collector, has not put a dent in their egregious behavior.

I don' t think it should be legal for any of these things to happen,

and certainly not robo-repeat calling

and I was tempted to say why?

There is only going to be more medical debt.

I hope this has a good outcome and there will be laws and fines for those companies that do this,

because what is available now, suing the debt collector, has not put a dent in their egregious behavior.


Input: Email isn' t easier to access or view off the debtor' s screen than a call a call' s content is actually harder to hide if you receive it among other people), text message or SMS. The way regulation should handle sensitive information is by mandating that some information be an attachment, or in a link provided in the email, rather than the body of an email. If the attachment is encrypted or details are stored on a secured web page, no one will be able to access them. In fact, they will be much better protected than any other information relayed to the debtor. Work emails should be handled differently, much like calls to a work place, which can also be accessed by the employer.

Email isn' t easier to access or view off the debtor' s screen than a call

a call' s content is actually harder to hide if you receive it among other people),

text message or SMS.

If the attachment is encrypted or details are stored on a secured web page, no one will be able to access them.

In fact, they will be much better protected than any other information relayed to the debtor.

The way regulation should handle sensitive information is by mandating that some information be an attachment, or in a link provided in the email, rather than the body of an email.

Work emails should be handled differently, much like calls to a work place, which can also be accessed by the employer.

The way regulation should handle sensitive information is by mandating that some information be an attachment, or in a link provided in the email, rather than the body of an email.

If the attachment is encrypted or details are stored on a secured web page, no one will be able to access them.

The way regulation should handle sensitive information is by mandating that some information be an attachment, or in a link provided in the email, rather than the body of an email.

In fact, they will be much better protected than any other information relayed to the debtor.


Input: I have a lot of concerns with emails. Email clients have privacy/security settings that do not allow the sender to know if/when an email has been or was received. The problem is that even with these privacy/security settings, senders are able to get around these settings. This is widely used by spammers and hackers. All of the spam experts all say not to open emails that are spam or potential spam, because the spammers are so good at manipulating and getting around the privacy/security settings and force the recipients email client to inform the sender of when/if an email was opened. Also, I do not like the idea that collectors can insert links in emails. The more unscrupulous collectors and unscrupulous employees can insert links that are harmful to the security of the user " s computers and offensive to the recipients (like pornographic material). Just think about how many collectors still (even after all of the lawsuits) use offensive and abusive language over the telephone, just think about what kind of harm these bad apples would be able to do with emails. I also I do not like the emails because of the ease with which collection companies can sell the email lists to marketers. Many decades ago, one of my neighbors was a debt collector. She would tell me that if they couldn' t get money out of the debtors then we make money off of them by selling your address and personal information to marketing companies. I have huge concerns for allowing collectors from using emails. Any rules that allow collectors to use email should come with deliberate care and attention to the privacy/security, materials and content, and the restriction of selling email lists. I also worry about true and accurate identification of emails. Spammers/hackers are able to manipulate how emails are presented and the name of the email address that they send with. there should also be rules restricting collectors are manipulating and spoofing their email addresses.

I have a lot of concerns with emails.

This is widely used by spammers and hackers.

because the spammers are so good at manipulating and getting around the privacy/security settings and force the recipients email client to inform the sender of when/if an email was opened.

Also, I do not like the idea that collectors can insert links in emails.

The more unscrupulous collectors and unscrupulous employees can insert links that are harmful to the security of the user " s computers and offensive to the recipients (like pornographic material).

I also I do not like the emails

because of the ease with which collection companies can sell the email lists to marketers.

I have huge concerns for allowing collectors from using emails.

I also worry about true and accurate identification of emails.

Email clients have privacy/security settings that do not allow the sender to know if/when an email has been or was received.

The problem is that even with these privacy/security settings, senders are able to get around these settings.

All of the spam experts all say not to open emails that are spam or potential spam,

Spammers/hackers are able to manipulate how emails are presented and the name of the email address that they send with.

Just think about how many collectors still (even after all of the lawsuits) use offensive and abusive language over the telephone,

just think about what kind of harm these bad apples would be able to do with emails.

Any rules that allow collectors to use email should come with deliberate care and attention to the privacy/security, materials and content, and the restriction of selling email lists.

there should also be rules restricting collectors are manipulating and spoofing their email addresses.

Many decades ago, one of my neighbors was a debt collector.

She would tell me that if they couldn' t get money out of the debtors then we make money off of them by selling your address and personal information to marketing companies.

All of the spam experts all say not to open emails that are spam or potential spam,

because the spammers are so good at manipulating and getting around the privacy/security settings and force the recipients email client to inform the sender of when/if an email was opened.

Also, I do not like the idea that collectors can insert links in emails.

The more unscrupulous collectors and unscrupulous employees can insert links that are harmful to the security of the user " s computers and offensive to the recipients (like pornographic material).

I also I do not like the emails

because of the ease with which collection companies can sell the email lists to marketers.

I also worry about true and accurate identification of emails.

Spammers/hackers are able to manipulate how emails are presented and the name of the email address that they send with.


Input: If emails are allowed, they should not be allowed to be sent outside of what is the acceptable time for phone calls. I would like to restrict the time to inside normal business hours for the locale of the debtor, because no business email should ever be sent from the office outside normal business hours. This is basic and normal business etiquette for emails. But a compromise could be made for what is accepted for phone calls. However, I would like to see no emails sent on Sundays. The USPS does not operate on Sundays and neither should emails of a business nature.

If emails are allowed, they should not be allowed to be sent outside of what is the acceptable time for phone calls.

I would like to restrict the time to inside normal business hours for the locale of the debtor,

because no business email should ever be sent from the office outside normal business hours.

and neither should emails of a business nature.

This is basic and normal business etiquette for emails.

But a compromise could be made for what is accepted for phone calls.

However, I would like to see no emails sent on Sundays.

The USPS does not operate on Sundays

I would like to restrict the time to inside normal business hours for the locale of the debtor,

because no business email should ever be sent from the office outside normal business hours.

because no business email should ever be sent from the office outside normal business hours.

This is basic and normal business etiquette for emails.

However, I would like to see no emails sent on Sundays.

The USPS does not operate on Sundays

However, I would like to see no emails sent on Sundays.

and neither should emails of a business nature.


Input: I agree that of course an ideal situation would be for consumers not to pay. But let' s not let the perfect be the enemy of the good. I was proposing some viable method that would result in an ability of a consumer to have a hearing. Hearings cost money and ultimately the collector would be assessed.

I agree that of course an ideal situation would be for consumers not to pay.

I was proposing some viable method that would result in an ability of a consumer to have a hearing.

and ultimately the collector would be assessed.

But let' s not let the perfect be the enemy of the good.

Hearings cost money

I was proposing some viable method that would result in an ability of a consumer to have a hearing.

Hearings cost money

I was proposing some viable method that would result in an ability of a consumer to have a hearing.

and ultimately the collector would be assessed.


Input: Debtors often respond with " I don' t owe anything ", which is vague and makes it harder to cater for their needs. If any rule making is needed, it is about the types of disputes a debtor may bring forth and the documentation needed for both the substantiation of that dispute leaving the option for a dispute to be deemed frivolous and what constitutes satisfaction of the dispute or proper proof. Otherwise, this is left for negotiation between individual collectors and debtors.

Debtors often respond with " I don' t owe anything ",

which is vague and makes it harder to cater for their needs.

If any rule making is needed, it is about the types of disputes a debtor may bring forth and the documentation needed for both the substantiation of that dispute

leaving the option for a dispute to be deemed frivolous

and what constitutes satisfaction of the dispute or proper proof.

Otherwise, this is left for negotiation between individual collectors and debtors.

If any rule making is needed, it is about the types of disputes a debtor may bring forth and the documentation needed for both the substantiation of that dispute

Debtors often respond with " I don' t owe anything ",

If any rule making is needed, it is about the types of disputes a debtor may bring forth and the documentation needed for both the substantiation of that dispute

which is vague and makes it harder to cater for their needs.


Input: If you want to instantly level the playing field, make any credit card debt above and beyond the moment of default, disputable. Disputability of any amount over the amount at the moment of default would instantly get both the credit card companies and the debt collectors working with the consumer on a reasonable plan going forward, no? As it stands now, credit card companies can and usually do jump the interest rate up to as high as 29. 9% and may even let the account stay in default as they rack up frequent default points on the debtor. When I gave up my regional emmy award winning video business to become a caregiver for both of my parents, eventually savings ran out and I notified each of my credit card vendors ahead of any default. NONE could offer me anything other than, " pay your bill on time ". If instead the credit card companies know that once the default occurs they cannot accrue any more penalties, fees or interest rate charges on the debt, they will bend over backwards to work with the alleged defaulter to get them to pay down the debt. Citibank rate jacked my never late payment 15 year old credit card account by 5, 000 dollars. I dispute that amount of excess in lieu of why I had to default, but Citibank does not care, nor does the debt collector. The amount of the debt reverted to what it was at the time of the default, you can bet citibank would be working hard to work with me.

If you want to instantly level the playing field, make any credit card debt above and beyond the moment of default, disputable.

Disputability of any amount over the amount at the moment of default would instantly get both the credit card companies and the debt collectors working with the consumer on a reasonable plan going forward, no?

and may even let the account stay in default

as they rack up frequent default points on the debtor.

If instead the credit card companies know that once the default occurs they cannot accrue any more penalties, fees or interest rate charges on the debt, they will bend over backwards to work with the alleged defaulter to get them to pay down the debt.

The amount of the debt reverted to what it was at the time of the default, you can bet citibank would be working hard to work with me.

As it stands now, credit card companies can and usually do jump the interest rate up to as high as 29. 9%

When I gave up my regional emmy award winning video business to become a caregiver for both of my parents, eventually savings ran out and I notified each of my credit card vendors ahead of any default.

NONE could offer me anything other than, " pay your bill on time ".

Citibank rate jacked my never late payment 15 year old credit card account by 5, 000 dollars.

I dispute that amount of excess in lieu of why I had to default, but Citibank does not care, nor does the debt collector.

If you want to instantly level the playing field, make any credit card debt above and beyond the moment of default, disputable.

Disputability of any amount over the amount at the moment of default would instantly get both the credit card companies and the debt collectors working with the consumer on a reasonable plan going forward, no?

Disputability of any amount over the amount at the moment of default would instantly get both the credit card companies and the debt collectors working with the consumer on a reasonable plan going forward, no?

As it stands now, credit card companies can and usually do jump the interest rate up to as high as 29. 9%

Disputability of any amount over the amount at the moment of default would instantly get both the credit card companies and the debt collectors working with the consumer on a reasonable plan going forward, no?

and may even let the account stay in default

Disputability of any amount over the amount at the moment of default would instantly get both the credit card companies and the debt collectors working with the consumer on a reasonable plan going forward, no?

as they rack up frequent default points on the debtor.

and may even let the account stay in default

as they rack up frequent default points on the debtor.


Input: Why can' t we bring back the olden days? I have been a " victim " of debt collectors run amok for over 35 years. Back in the day, a debt was assigned to one collector who would pursue me relentlessly for a debt that belonged to someone else. Nowadays with the robo-dialers the collection call is assigned to the " next available operator. " Why not just go back to the days when only one collector was responsible for making the contact?

Why can' t we bring back the olden days?

Why not just go back to the days when only one collector was responsible for making the contact?

I have been a " victim " of debt collectors run amok for over 35 years.

Back in the day, a debt was assigned to one collector who would pursue me relentlessly for a debt that belonged to someone else.

Nowadays with the robo-dialers the collection call is assigned to the " next available operator. "

Why not just go back to the days when only one collector was responsible for making the contact?

Nowadays with the robo-dialers the collection call is assigned to the " next available operator. "


Input: I was sued for an alleged debt from 1993 by NYC landlord. Judge denied him the 1600. and then his real estate/collections attorney put me into collections and the landlord got to write off a debt that was not a debt. Great for these big landlords in NYC as they play the corporate game and sue a tenant 10 times and write it off each and every time even though its not a valid debt. Its a big deal in Manhattan.

I was sued for an alleged debt from 1993 by NYC landlord.

Judge denied him the 1600.

and then his real estate/collections attorney put me into collections

and the landlord got to write off a debt that was not a debt.

Great for these big landlords in NYC

as they play the corporate game and sue a tenant 10 times and write it off each and every time even though its not a valid debt.

Its a big deal in Manhattan.

Great for these big landlords in NYC

as they play the corporate game and sue a tenant 10 times and write it off each and every time even though its not a valid debt.


Input: It' s a good question, but unfortunately the answer is (of course) complicated. Manually dialing phones slows down businesses and raises costs; Automated dialing has preventive measures built in that manually dialing does not. To expand on the first point, debt collectors are cost centers, meaning their primary goal is to minimize costs (i. e., delinquent monies). An automated dialing system allows for a much more efficient manner of calling delinquent account-holders. Representatives are able to review the account history and status while the system connects the call, so the rep can quickly engage the customer. If a customer has given their cell phone or home number to the lender knowing it may be used for future contact attempts, there is no difference to the customer if the call is executed through a computer or dialer on the keypad. To expand on the second point, automated dialing systems have a lot of built in controls that actually protect the consumer. People make mistakes, and so do collectors: Automated dialers can have filters in place that restrict calls to customers based on location, time of day, or even how many attempts have already been made. In addition, calls made through the dialer can all be recorded so if there is a problem with the representative, the customer can refer back to the recording and the truth will come out.

It' s a good question,

but unfortunately the answer is (of course) complicated.

Manually dialing phones slows down businesses and raises costs;

To expand on the first point, debt collectors are cost centers, meaning their primary goal is to minimize costs (i. e., delinquent monies).

An automated dialing system allows for a much more efficient manner of calling delinquent account-holders.

so the rep can quickly engage the customer.

If a customer has given their cell phone or home number to the lender knowing it may be used for future contact attempts, there is no difference to the customer if the call is executed through a computer or dialer on the keypad.

To expand on the second point, automated dialing systems have a lot of built in controls that actually protect the consumer.

People make mistakes, and so do collectors:

so if there is a problem with the representative, the customer can refer back to the recording and the truth will come out.

Automated dialing has preventive measures built in that manually dialing does not.

Representatives are able to review the account history and status while the system connects the call,

Automated dialers can have filters in place that restrict calls to customers based on location, time of day, or even how many attempts have already been made.

In addition, calls made through the dialer can all be recorded

Manually dialing phones slows down businesses and raises costs;

An automated dialing system allows for a much more efficient manner of calling delinquent account-holders.

Automated dialing has preventive measures built in that manually dialing does not.

To expand on the second point, automated dialing systems have a lot of built in controls that actually protect the consumer.

An automated dialing system allows for a much more efficient manner of calling delinquent account-holders.

so the rep can quickly engage the customer.

so the rep can quickly engage the customer.

Representatives are able to review the account history and status while the system connects the call,

To expand on the second point, automated dialing systems have a lot of built in controls that actually protect the consumer.

Automated dialers can have filters in place that restrict calls to customers based on location, time of day, or even how many attempts have already been made.

To expand on the second point, automated dialing systems have a lot of built in controls that actually protect the consumer.

so if there is a problem with the representative, the customer can refer back to the recording and the truth will come out.

so if there is a problem with the representative, the customer can refer back to the recording and the truth will come out.

In addition, calls made through the dialer can all be recorded


Input: Additionally the landlords real estate attorney also had a collections agency so he continuously flipped the landlords debts into his agency and again the landlords get to keep writing it off with each and every lawsuit, in this instance it was 8 lawsuits for the same amount.

Additionally the landlords real estate attorney also had a collections agency

so he continuously flipped the landlords debts into his agency

and again the landlords get to keep writing it off with each and every lawsuit,

in this instance it was 8 lawsuits for the same amount.

so he continuously flipped the landlords debts into his agency

Additionally the landlords real estate attorney also had a collections agency


Input: I bet YOU never had your phone number programmed into a robo-dialer? I can assure you that it' s lots of fun. Costs too much to do manual dialing? Too bad.

I bet YOU never had your phone number programmed into a robo-dialer?

I can assure you that it' s lots of fun.

Costs too much to do manual dialing?

Too bad.


Input: I don' t really care if manual dialing costs you more money. You obviously have never been subjected to dozens of misdirected robo calls from debt collectors.

I don' t really care if manual dialing costs you more money.

You obviously have never been subjected to dozens of misdirected robo calls from debt collectors.


Input: If you put an article about landlords and illegal lawsuits and collections, you would be flooded with responses. It is an area of collections that is hidden from you but very prevalent in NYC.

If you put an article about landlords and illegal lawsuits and collections, you would be flooded with responses.

It is an area of collections that is hidden from you but very prevalent in NYC.

If you put an article about landlords and illegal lawsuits and collections, you would be flooded with responses.

It is an area of collections that is hidden from you but very prevalent in NYC.


Input: I agree with anoymousme, I am constantly called up to 5 times a day by numerous collectors for my kids bills. Why should we have to bothered. I gave my kids the message but they ignore it. They do not have a land line so they call me!!! On NEWYEARS I am dropping my land line which I have had for 40 years just to be rid of these pests! How long are parents responsible for deadbeat children.

I agree with anoymousme,

Why should we have to bothered.

How long are parents responsible for deadbeat children.

I am constantly called up to 5 times a day by numerous collectors for my kids bills.

I gave my kids the message

but they ignore it.

They do not have a land line

so they call me!!! On NEWYEARS

I am dropping my land line which I have had for 40 years just to be rid of these pests!

I agree with anoymousme,

I am constantly called up to 5 times a day by numerous collectors for my kids bills.

so they call me!!! On NEWYEARS

They do not have a land line

I am dropping my land line which I have had for 40 years just to be rid of these pests!

so they call me!!! On NEWYEARS


Input: Only one out of my numerous collectors for my kids took me off their lists after I told them my son hasn' t lived with me for over 20 years. I also stated he owes me money also. My other 10 collectors keep calling but I quit answering because I recognize their phone numbers.

Only one out of my numerous collectors for my kids took me off their lists after I told them my son hasn' t lived with me for over 20 years.

I also stated he owes me money also.

My other 10 collectors keep calling

but I quit answering

because I recognize their phone numbers.

but I quit answering

because I recognize their phone numbers.


Input: I made a comment below and would like to know how to make them stop calling me for my deadbeat kids debt. I tell them either I will pass on the info or that I have no contact info for them. Only one collector took me off their list. I am still being harrassed by 10 others. I am being forced to drop my land line which I have had for 40 years to get away from them. It really bugs me because I have a near perfect score of 797.

I made a comment below and would like to know how to make them stop calling me for my deadbeat kids debt.

I am still being harrassed by 10 others.

It really bugs me

I tell them either I will pass on the info or that I have no contact info for them.

Only one collector took me off their list.

I am being forced to drop my land line which I have had for 40 years to get away from them.

because I have a near perfect score of 797.

I made a comment below and would like to know how to make them stop calling me for my deadbeat kids debt.

I am being forced to drop my land line which I have had for 40 years to get away from them.

I am being forced to drop my land line which I have had for 40 years to get away from them.

Only one collector took me off their list.

I am being forced to drop my land line which I have had for 40 years to get away from them.

I am still being harrassed by 10 others.

It really bugs me

because I have a near perfect score of 797.


Input: Most consumers have a bad taste in their mouth from the way that a select few agencies used to operate. And rightfully so. But look at it from the other side. If i owed you $1, 000 debt do you really think sending me a letter would do the trick? Would you attempt to call me to find out my intentions? My point is, agencies are operating under a pretty broad microscope. Compliance with the laws is being monitored very closely now. We view ourselves at my company as extensions of customer service. If we call you, we specifically ask if we are calling a cell and if it is okay to reach you on that number. If you say no, we remove the number.

Most consumers have a bad taste in their mouth from the way that a select few agencies used to operate.

And rightfully so.

If i owed you $1, 000 debt do you really think sending me a letter would do the trick?

Would you attempt to call me to find out my intentions?

My point is, agencies are operating under a pretty broad microscope.

Compliance with the laws is being monitored very closely now.

We view ourselves at my company as extensions of customer service.

But look at it from the other side.

If we call you, we specifically ask if we are calling a cell and if it is okay to reach you on that number.

If you say no, we remove the number.

My point is, agencies are operating under a pretty broad microscope.

Compliance with the laws is being monitored very closely now.


Input: Every validation notice should include, not only the name, but the address and phone number of the current owner of the debt. It is not always the case that the consumer knows who the owner of the debt is, or how to contact them. This would not be a burden on collection agencies, because it would only require the collection agency to cut and paste the address and phone number of the debt owner onto the validation notice. The collection agency should already have this information in their company records, as the debt collector is forwarding consumer payments to said debt owner' s address. This would allow the consumer to attempt to deal with the debt owner directly to try to resolve the dispute. For example, a case of mistaken identity can more easily be resolved by talking to a customer service representative of the debt owner, than by talking to a debt collector. The debt collector has no authority to correct the mistake, but a customer service representative of the debt owner does.

Every validation notice should include, not only the name, but the address and phone number of the current owner of the debt.

It is not always the case that the consumer knows who the owner of the debt is, or how to contact them.

This would not be a burden on collection agencies,

because it would only require the collection agency to cut and paste the address and phone number of the debt owner onto the validation notice.

The collection agency should already have this information in their company records,

as the debt collector is forwarding consumer payments to said debt owner' s address.

This would allow the consumer to attempt to deal with the debt owner directly to try to resolve the dispute.

For example, a case of mistaken identity can more easily be resolved by talking to a customer service representative of the debt owner, than by talking to a debt collector.

The debt collector has no authority to correct the mistake,

but a customer service representative of the debt owner does.

Every validation notice should include, not only the name, but the address and phone number of the current owner of the debt.

It is not always the case that the consumer knows who the owner of the debt is, or how to contact them.

Every validation notice should include, not only the name, but the address and phone number of the current owner of the debt.

This would allow the consumer to attempt to deal with the debt owner directly to try to resolve the dispute.

This would not be a burden on collection agencies,

because it would only require the collection agency to cut and paste the address and phone number of the debt owner onto the validation notice.

This would not be a burden on collection agencies,

The collection agency should already have this information in their company records,

The collection agency should already have this information in their company records,

as the debt collector is forwarding consumer payments to said debt owner' s address.

This would allow the consumer to attempt to deal with the debt owner directly to try to resolve the dispute.

For example, a case of mistaken identity can more easily be resolved by talking to a customer service representative of the debt owner, than by talking to a debt collector.

For example, a case of mistaken identity can more easily be resolved by talking to a customer service representative of the debt owner, than by talking to a debt collector.

The debt collector has no authority to correct the mistake,

For example, a case of mistaken identity can more easily be resolved by talking to a customer service representative of the debt owner, than by talking to a debt collector.

but a customer service representative of the debt owner does.


Input: Someone who lived at my address, more than 30 years ago had a debt with Household Finance. We get letters that we return " Addressee Unknown " and phone calls. Finally I called one number back and told them that the person they looked for wasn' t there. That law firm stopped robo-calling but a few months later a new one started up. Records should convey when debts are sold from collection agency to collection agency. Why should I have to go through all that a second time? I also think debt collectors should be prohibited from using the address to get a phone number after 2 years. This debt was more than 30 years old why do they think anyone who knew here would still live there? I googled the woman' s name. I found out on the first search that she lives about 10 miles from here. If I can find her that easily why can' t a debt collector, who stands to gain something, be bothered to do a little research?

Someone who lived at my address, more than 30 years ago had a debt with Household Finance.

We get letters that we return " Addressee Unknown " and phone calls.

Finally I called one number back and told them that the person they looked for wasn' t there.

That law firm stopped robo-calling

but a few months later a new one started up.

This debt was more than 30 years old

I googled the woman' s name.

I found out on the first search that she lives about 10 miles from here.

Records should convey when debts are sold from collection agency to collection agency.

I also think debt collectors should be prohibited from using the address to get a phone number after 2 years.

Why should I have to go through all that a second time?

why do they think anyone who knew here would still live there?

If I can find her that easily why can' t a debt collector, who stands to gain something, be bothered to do a little research?

Records should convey when debts are sold from collection agency to collection agency.

Someone who lived at my address, more than 30 years ago had a debt with Household Finance.

Records should convey when debts are sold from collection agency to collection agency.

We get letters that we return " Addressee Unknown " and phone calls.

Records should convey when debts are sold from collection agency to collection agency.

Finally I called one number back and told them that the person they looked for wasn' t there.

Records should convey when debts are sold from collection agency to collection agency.

That law firm stopped robo-calling

Records should convey when debts are sold from collection agency to collection agency.

Why should I have to go through all that a second time?

I also think debt collectors should be prohibited from using the address to get a phone number after 2 years.

why do they think anyone who knew here would still live there?

why do they think anyone who knew here would still live there?

This debt was more than 30 years old


Input: I assume by " free to end " you meant the agency is on the hook for the charges incurred on that particular call. I think it would be well worth exploring. We do have situations where the consumer doesnt have a landline and refuses access to their cell. If we recieve a cease and desist order we note the account and return it to our client as such. If a consumer simply asks not to be contacted via cell we will remove the cell and send a collection letter if it is within FDCPA guidelines. Other solutions may be to send a settlement letter allowing the consumer to save money in an effort to resolve the issue. The industry certainly didn' t set a very good standard and regulation is certainly needed. I think the vast majotiry of us get the message loud and clear and are making sure we comply impicitly. The effort needs to be two fold. The consumers have to be willing to discuss the accounts and express willingness to pay. After all, if everyone' s debts were paid, there would be no need for a call. And that' s not meant to sound standoffish. The simple fact remains at the end of the day, debts are owed and our clients want their money. Consumers must share some of the responsibility.

I assume by " free to end " you meant the agency is on the hook for the charges incurred on that particular call.

I think it would be well worth exploring.

Other solutions may be to send a settlement letter allowing the consumer to save money in an effort to resolve the issue.

The industry certainly didn' t set a very good standard

and regulation is certainly needed.

I think the vast majotiry of us get the message loud and clear and are making sure we comply impicitly.

After all, if everyone' s debts were paid, there would be no need for a call.

And that' s not meant to sound standoffish.

The simple fact remains at the end of the day, debts are owed and our clients want their money.

We do have situations where the consumer doesnt have a landline and refuses access to their cell.

If we recieve a cease and desist order we note the account and return it to our client as such.

If a consumer simply asks not to be contacted via cell we will remove the cell and send a collection letter if it is within FDCPA guidelines.

The effort needs to be two fold.

The consumers have to be willing to discuss the accounts and express willingness to pay.

Consumers must share some of the responsibility.

I think it would be well worth exploring.

We do have situations where the consumer doesnt have a landline and refuses access to their cell.

and regulation is certainly needed.

The industry certainly didn' t set a very good standard

The consumers have to be willing to discuss the accounts and express willingness to pay.

After all, if everyone' s debts were paid, there would be no need for a call.

Consumers must share some of the responsibility.

The simple fact remains at the end of the day, debts are owed and our clients want their money.


Input: What I had in mind when I made this comment was that some debtors are in debt because of a medical condition that has negatively impacted their ability to work. They may be on Social Security disability for this reason. Sometimes, that medical condition is scientifically known to be aggravated by stress, such as any heart condition, or an anxiety disorder. Currently, Section 806 of the FDCPA makes abuse or harassment of debtors illegal. However, what qualifies as abuse might be different for a debtor with a disabling medical condition that is sensitive to stress. My hope, and my suggestion, is that there could be some way for debtors to make collection agencies aware of the fact that the debtor has a documented medical disability, and that abusive or harassing phone calls have additional health consequences for the debtor.

What I had in mind when I made this comment was that some debtors are in debt because of a medical condition that has negatively impacted their ability to work.

They may be on Social Security disability for this reason.

However, what qualifies as abuse might be different for a debtor with a disabling medical condition that is sensitive to stress.

My hope, and my suggestion, is that there could be some way for debtors to make collection agencies aware of the fact that the debtor has a documented medical disability, and that abusive or harassing phone calls have additional health consequences for the debtor.

Sometimes, that medical condition is scientifically known to be aggravated by stress, such as any heart condition, or an anxiety disorder.

Currently, Section 806 of the FDCPA makes abuse or harassment of debtors illegal.

My hope, and my suggestion, is that there could be some way for debtors to make collection agencies aware of the fact that the debtor has a documented medical disability, and that abusive or harassing phone calls have additional health consequences for the debtor.

However, what qualifies as abuse might be different for a debtor with a disabling medical condition that is sensitive to stress.


Input: We have no debt other than what is current on our credit cards, but for 10 or15 years we have been receiving robo calls for an Edward Flanigan. We' ve owned this number for 22 years and have never known an Edward Flanigan. We are on the do not call list. Robo calls by debt collectors need to be banned outright.

We have no debt other than what is current on our credit cards,

but for 10 or15 years we have been receiving robo calls for an Edward Flanigan.

We' ve owned this number for 22 years and have never known an Edward Flanigan.

We are on the do not call list.

Robo calls by debt collectors need to be banned outright.

Robo calls by debt collectors need to be banned outright.

We have no debt other than what is current on our credit cards,

Robo calls by debt collectors need to be banned outright.

but for 10 or15 years we have been receiving robo calls for an Edward Flanigan.

Robo calls by debt collectors need to be banned outright.

We' ve owned this number for 22 years and have never known an Edward Flanigan.


Input: I do not have any debt. I was given a telephone number by Verizon that was previously owned by a person who had not paid her bills. Debt collectors have been calling me for 10 years now and many have been threatening and intimidating. One collector told me he had all my personal information and was going to ruin my life!!!

I do not have any debt.

I was given a telephone number by Verizon that was previously owned by a person who had not paid her bills.

Debt collectors have been calling me for 10 years now

One collector told me he had all my personal information and was going to ruin my life!!!

and many have been threatening and intimidating.

and many have been threatening and intimidating.

One collector told me he had all my personal information and was going to ruin my life!!!


Input: E mail is good alternative but majority of the time it will go to junk or spam mail and the purpose not served. Regular mail with follow up on e mail be better

E mail is good alternative

and the purpose not served.

Regular mail with follow up on e mail be better

but majority of the time it will go to junk or spam mail

and the purpose not served.

but majority of the time it will go to junk or spam mail

Regular mail with follow up on e mail be better

E mail is good alternative

Regular mail with follow up on e mail be better

but majority of the time it will go to junk or spam mail

Regular mail with follow up on e mail be better

and the purpose not served.


Input: I think that privacy concerns regarding account information are valid. Others knowing about collections should not weigh nearly as much as good-faith efforts of collectors to notify and collect outstanding debt.

I think that privacy concerns regarding account information are valid.

Others knowing about collections should not weigh nearly as much as good-faith efforts of collectors to notify and collect outstanding debt.

I think that privacy concerns regarding account information are valid.

Others knowing about collections should not weigh nearly as much as good-faith efforts of collectors to notify and collect outstanding debt.


Input: we are bombarded with robo calls every day from early am to late evening with unidentified callers; no msgs left after answering machine kicks in; these types of calls should be barred unless msg left with identity of caller included and basis of call to include name of creditor and debtor included

we are bombarded with robo calls every day from early am to late evening with unidentified callers;

no msgs left after answering machine kicks in;

these types of calls should be barred unless msg left with identity of caller included and basis of call to include name of creditor and debtor included


Input: Periodically (probably when the debt has been sold) I receive harassing phone calls from collection companies regarding a believed debt that my nephew owes. I send him Christmas cards annually, see him at family gatherings every 5 years or so, and stopped contacting him about this harassment after he assured me it had already been taken care of when I received my first call. These calls happen about once a year for a couple weeks at a time.

Periodically (probably when the debt has been sold) I receive harassing phone calls from collection companies regarding a believed debt that my nephew owes.

I send him Christmas cards annually, see him at family gatherings every 5 years or so, and stopped contacting him about this harassment after he assured me it had already been taken care of when I received my first call.

These calls happen about once a year for a couple weeks at a time.


Input: As someone who has dealt for over two years with a rogue collections company putting a debt I don' t owe on my credit report, I think these debt buyers should be disallowed by law. Legitimate third parties can operate, but these fly by night businesses who buy for pennies on the dollar without a care as to whether the books are correct should be fined and put out of business. In other words, the regulations should be so tough that they can' t afford to stay open. They only wreak havoc on people. I have dealt with an unscrupulous company for two years; my state Attorney General was involved in getting it removed from my credit report with 1 agency, only to have this company report the same to another agency. No collection should be allowed on the credit report until verified 100%. And if the debt is more than 2 years old, the creditor must notify the supposed debtor in writing and allow 30 days for a response--denial, request for proof, payment, etc.--before putting it on the credit report.

As someone who has dealt for over two years with a rogue collections company putting a debt I don' t owe on my credit report, I think these debt buyers should be disallowed by law.

Legitimate third parties can operate,

but these fly by night businesses who buy for pennies on the dollar without a care as to whether the books are correct should be fined and put out of business.

In other words, the regulations should be so tough that they can' t afford to stay open.

No collection should be allowed on the credit report until verified 100%.

And if the debt is more than 2 years old, the creditor must notify the supposed debtor in writing and allow 30 days for a response--denial, request for proof, payment, etc.--before putting it on the credit report.

They only wreak havoc on people.

I have dealt with an unscrupulous company for two years;

my state Attorney General was involved in getting it removed from my credit report with 1 agency, only to have this company report the same to another agency.

but these fly by night businesses who buy for pennies on the dollar without a care as to whether the books are correct should be fined and put out of business.

As someone who has dealt for over two years with a rogue collections company putting a debt I don' t owe on my credit report, I think these debt buyers should be disallowed by law.

In other words, the regulations should be so tough that they can' t afford to stay open.

They only wreak havoc on people.

No collection should be allowed on the credit report until verified 100%.

I have dealt with an unscrupulous company for two years;

No collection should be allowed on the credit report until verified 100%.

my state Attorney General was involved in getting it removed from my credit report with 1 agency, only to have this company report the same to another agency.


Input: I recently discovered that my mortgage company does not have the note on my mortgage and they can not locate the note. I am current and have no concerns on reducing the payment. I have asked the mortgage holder what should we do. For the last 8 months they have sent us notices saying they are researching the issue.

I recently discovered that my mortgage company does not have the note on my mortgage

and they can not locate the note.

I have asked the mortgage holder what should we do.

For the last 8 months they have sent us notices saying they are researching the issue.

I am current and have no concerns on reducing the payment.


Input: My student loan company is giving me a ton of grief about allowing my husband to contact them regarding my student loan debt. I' ve filled out the same form about four times that is supposed to allow him to talk to them on my behalf but any time they decide that they don' t like dealing with him, they pull his authorization (sometimes mid-call) and refuse to talk to him about it. He is never rude with them, he just doesn' t put up with the run around my loan company gives me. We never hear the same thing twice from them. Issues that are supposed to be taken care of rarely are and we are constantly told one thing by one rep and something completely different by the next.

My student loan company is giving me a ton of grief about allowing my husband to contact them regarding my student loan debt.

He is never rude with them,

he just doesn' t put up with the run around my loan company gives me.

I' ve filled out the same form about four times that is supposed to allow him to talk to them on my behalf

but any time they decide that they don' t like dealing with him, they pull his authorization (sometimes mid-call) and refuse to talk to him about it.

We never hear the same thing twice from them.

Issues that are supposed to be taken care of rarely are and we are constantly told one thing by one rep and something completely different by the next.


Input: I have been getting calls for a Hispanic gentleman with the same phone number as me in a different area code for years. Every time I tell them that I have no clue who he is and that I would like them to stop calling my number they assure me that they will get it fixed but then I hear from them again a few weeks later.

I have been getting calls for a Hispanic gentleman with the same phone number as me in a different area code for years.

Every time I tell them that I have no clue who he is and that I would like them to stop calling my number they assure me that they will get it fixed

but then I hear from them again a few weeks later.


Input: Simplicity ought to be the guiding principle and Alternative #2 is closest to that principle, but expressions like " charge-off " should be avoided. That' s a technical term specific to accountants. Some average consumers just aren' t going to know what it means). Beginning with the amount owed on the date of default, then adding interest (including rate) is simple enough, still, the calculation of that interest could be included). Any and all fees ought to be listed, explained and JUSTIFIED. The same should hold true for any other charges, followed by payments and/or credits added after the date of default. This presentation would provide a clear picture.

Simplicity ought to be the guiding principle

but expressions like " charge-off " should be avoided.

Any and all fees ought to be listed, explained and JUSTIFIED.

The same should hold true for any other charges, followed by payments and/or credits added after the date of default.

and Alternative #2 is closest to that principle,

That' s a technical term specific to accountants.

Some average consumers just aren' t going to know what it means).

Beginning with the amount owed on the date of default, then adding interest (including rate) is simple enough,

still, the calculation of that interest could be included).

This presentation would provide a clear picture.

but expressions like " charge-off " should be avoided.

Some average consumers just aren' t going to know what it means).

Some average consumers just aren' t going to know what it means).

That' s a technical term specific to accountants.

The same should hold true for any other charges, followed by payments and/or credits added after the date of default.

This presentation would provide a clear picture.


Input: I have been a frequent target of debt collectors and their phone calls for several years. The reason, clearly, is because I have a common last name. I do not have any debts. First, once a debt collector starts calling me, it is extremely difficult to get rid of them. One outfit called me a liar and kept calling. Another went after me for two different people. Second, yes, a barrage of collection calls can be harmful. Dealing with debt collectors on a daily basis has taken its toll on my physical and mental health. I' m an old lady. It has also made me paranoid about my own finances.

I have been a frequent target of debt collectors and their phone calls for several years.

I do not have any debts.

One outfit called me a liar and kept calling.

Another went after me for two different people.

I' m an old lady.

The reason, clearly, is because I have a common last name.

First, once a debt collector starts calling me, it is extremely difficult to get rid of them.

Second, yes, a barrage of collection calls can be harmful.

Dealing with debt collectors on a daily basis has taken its toll on my physical and mental health.

It has also made me paranoid about my own finances.

First, once a debt collector starts calling me, it is extremely difficult to get rid of them.

One outfit called me a liar and kept calling.

First, once a debt collector starts calling me, it is extremely difficult to get rid of them.

Another went after me for two different people.

Second, yes, a barrage of collection calls can be harmful.

Dealing with debt collectors on a daily basis has taken its toll on my physical and mental health.

Second, yes, a barrage of collection calls can be harmful.

It has also made me paranoid about my own finances.

Dealing with debt collectors on a daily basis has taken its toll on my physical and mental health.

I' m an old lady.


Input: I think that the CFPB should come up with a regulation that prohibits a creditor, and a debt collector, from sending the debt for collection to another debt collection company AFTER a consumer disputes the debt, or sends a " cease and desist " letter to the debt collection agency. In my cases that I worked on, a " cease and desist " letter was sent to both the debt collector and original creditor requesting that they cease collecting the debt as per the FDCPA. However, all they do is close out one debt collection company and send the account to another one. Then the consumer has to repeat the process. The CFPB should come up with a regulation that states once the debt is disputed or a " cease and desist " letter is sent to the debt collector, THAT debt collector must advise the original creditor that a C & D letter was sent.

I think that the CFPB should come up with a regulation that prohibits a creditor, and a debt collector, from sending the debt for collection to another debt collection company AFTER a consumer disputes the debt, or sends a " cease and desist " letter to the debt collection agency.

The CFPB should come up with a regulation that states once the debt is disputed or a " cease and desist " letter is sent to the debt collector, THAT debt collector must advise the original creditor that a C & D letter was sent.

In my cases that I worked on, a " cease and desist " letter was sent to both the debt collector and original creditor requesting that they cease collecting the debt as per the FDCPA.

However, all they do is close out one debt collection company and send the account to another one.

Then the consumer has to repeat the process.

I think that the CFPB should come up with a regulation that prohibits a creditor, and a debt collector, from sending the debt for collection to another debt collection company AFTER a consumer disputes the debt, or sends a " cease and desist " letter to the debt collection agency.

In my cases that I worked on, a " cease and desist " letter was sent to both the debt collector and original creditor requesting that they cease collecting the debt as per the FDCPA.

I think that the CFPB should come up with a regulation that prohibits a creditor, and a debt collector, from sending the debt for collection to another debt collection company AFTER a consumer disputes the debt, or sends a " cease and desist " letter to the debt collection agency.

However, all they do is close out one debt collection company and send the account to another one.

I think that the CFPB should come up with a regulation that prohibits a creditor, and a debt collector, from sending the debt for collection to another debt collection company AFTER a consumer disputes the debt, or sends a " cease and desist " letter to the debt collection agency.

Then the consumer has to repeat the process.

The CFPB should come up with a regulation that states once the debt is disputed or a " cease and desist " letter is sent to the debt collector, THAT debt collector must advise the original creditor that a C & D letter was sent.

I think that the CFPB should come up with a regulation that prohibits a creditor, and a debt collector, from sending the debt for collection to another debt collection company AFTER a consumer disputes the debt, or sends a " cease and desist " letter to the debt collection agency.

The CFPB should come up with a regulation that states once the debt is disputed or a " cease and desist " letter is sent to the debt collector, THAT debt collector must advise the original creditor that a C & D letter was sent.

In my cases that I worked on, a " cease and desist " letter was sent to both the debt collector and original creditor requesting that they cease collecting the debt as per the FDCPA.

The CFPB should come up with a regulation that states once the debt is disputed or a " cease and desist " letter is sent to the debt collector, THAT debt collector must advise the original creditor that a C & D letter was sent.

However, all they do is close out one debt collection company and send the account to another one.

The CFPB should come up with a regulation that states once the debt is disputed or a " cease and desist " letter is sent to the debt collector, THAT debt collector must advise the original creditor that a C & D letter was sent.

Then the consumer has to repeat the process.


Input: For over 3 years I have been contacted by debt collectors for an alleged debt. I diligently send proof of payment and am ignored, and several months later a new firm sends the same letter re the same debt. The collector never responds, investigates or verifies the dispute. They should be forced to do so.

For over 3 years I have been contacted by debt collectors for an alleged debt.

I diligently send proof of payment and am ignored,

and several months later a new firm sends the same letter re the same debt.

The collector never responds, investigates or verifies the dispute.

They should be forced to do so.

They should be forced to do so.

For over 3 years I have been contacted by debt collectors for an alleged debt.

They should be forced to do so.

I diligently send proof of payment and am ignored,


Input: Your point is understandable; however the statement you referred to is known as the mini-Miranda. This statement is a requirement in a debt collector' s initial communication and in some states every communication). Typically, the validation verbiage is included in a sheet of it' s own with several other disclosures a debt collector is required to provide. As far as law being slanted against the consumer, I would disagree. The laws surrounding contacting consumers and the information required to be given is quite stringent, the problem is the channels which are directly regulated by the law are outdated. The primary law that regulates a debt collector was written in the 70' s and did not directly define that is thrown around all too often, harassment (among others). Because of this, if a debt collector sends a letter and makes a phone call, he may very well be held accountable in a court of law for " harassment ". Most collectors settle out of court as defending a suit as frivolous as the one described above would cost much more than settling with a consumer.

Your point is understandable;

As far as law being slanted against the consumer, I would disagree.

The laws surrounding contacting consumers and the information required to be given is quite stringent,

the problem is the channels which are directly regulated by the law are outdated.

Because of this, if a debt collector sends a letter and makes a phone call, he may very well be held accountable in a court of law for " harassment ".

as defending a suit as frivolous as the one described above would cost much more than settling with a consumer.

however the statement you referred to is known as the mini-Miranda.

This statement is a requirement in a debt collector' s initial communication

and in some states every communication).

Typically, the validation verbiage is included in a sheet of it' s own with several other disclosures a debt collector is required to provide.

The primary law that regulates a debt collector was written in the 70' s and did not directly define that is thrown around all too often, harassment (among others).

Most collectors settle out of court

Because of this, if a debt collector sends a letter and makes a phone call, he may very well be held accountable in a court of law for " harassment ".

The primary law that regulates a debt collector was written in the 70' s and did not directly define that is thrown around all too often, harassment (among others).

Most collectors settle out of court

as defending a suit as frivolous as the one described above would cost much more than settling with a consumer.


Input: E-Oscar was created by the credit reporting agencies due to a requirement that is outlined in the Fair Credit Reporting Act. This process is fully electronic save for the consumer' s ability to upload paper correspondence or documents for the debt collector/creditor to review. Additionally, the CFPB has published clarification as to the requirements surrounding a " reasonable investigation " when a dispute is issued, requiring debt collectors/creditors to go one step further. The underlying issue is this system is abused by many individuals who mass submit disputes repeatedly that have no validity. Agencies and creditors are forced to sift through all of those frivolous disputes in order to actually address legitimate disputes.

E-Oscar was created by the credit reporting agencies due to a requirement that is outlined in the Fair Credit Reporting Act.

This process is fully electronic save for the consumer' s ability to upload paper correspondence or documents for the debt collector/creditor to review.

Additionally, the CFPB has published clarification as to the requirements surrounding a " reasonable investigation " when a dispute is issued, requiring debt collectors/creditors to go one step further.

The underlying issue is this system is abused by many individuals who mass submit disputes repeatedly that have no validity.

Agencies and creditors are forced to sift through all of those frivolous disputes in order to actually address legitimate disputes.

Agencies and creditors are forced to sift through all of those frivolous disputes in order to actually address legitimate disputes.

The underlying issue is this system is abused by many individuals who mass submit disputes repeatedly that have no validity.


Input: Keep in mind, a cease and desist letter does not stop a debt collector from attempting to collect a debt, it only stops the debt collector from communicating with the consumer via whatever method the consumer requests the contact to stop. This does not mean a consumer no longer owes a debt. I do agree with the fact that a debt collector must notify the creditor of disputes. As a matter of fact, legitimate debt collectors do this on a regular basis. As a debt collector typically does not own the debt, they' re unable to control what a creditor does with that information, all they are currently able to do is implement internal controls that protect the consumer and the agency. In my opinion, a legitimate dispute should be defined as currently, a consumer solely mentioning the word dispute requires action on an account. I believe some sort of requirement should be imposed as to WHY an account is being disputed and some sort of evidence be provided to support the claim.

Keep in mind, a cease and desist letter does not stop a debt collector from attempting to collect a debt,

it only stops the debt collector from communicating with the consumer via whatever method the consumer requests the contact to stop.

As a matter of fact, legitimate debt collectors do this on a regular basis.

as currently, a consumer solely mentioning the word dispute requires action on an account.

This does not mean a consumer no longer owes a debt.

I do agree with the fact that a debt collector must notify the creditor of disputes.

As a debt collector typically does not own the debt,

they' re unable to control what a creditor does with that information,

all they are currently able to do is implement internal controls that protect the consumer and the agency.

In my opinion, a legitimate dispute should be defined

I believe some sort of requirement should be imposed as to WHY an account is being disputed and some sort of evidence be provided to support the claim.

they' re unable to control what a creditor does with that information,

As a debt collector typically does not own the debt,

In my opinion, a legitimate dispute should be defined

as currently, a consumer solely mentioning the word dispute requires action on an account.


Input: Consumers generally have no notice and do not know that a debt has been sold until checking their credit report or until a collection agency calls to collect a debt. Being notified of a debt being sold, would at least allow the consumer to verify who is actually the owner of a debt. I once paid a debt to a collection agency, only to find that I had paid one of 3 collection agencies who claimed to own the debt). With regards to costs, most consumers and most debt buyers are unable to detail how a 2200. 00 debt becomes a 7000. 00 + debt. And I found that very few even knew the original creditor' s name, yet still attempted to collect this debt. The new rule should at minimum state the Original Creditor' s name, and that Debt Buyer has purchased the right to collect the debt. This would allow the consumer to verify that a debt buyer has the right to collect the debt.

Consumers generally have no notice and do not know that a debt has been sold until checking their credit report or until a collection agency calls to collect a debt.

Being notified of a debt being sold, would at least allow the consumer to verify who is actually the owner of a debt.

With regards to costs, most consumers and most debt buyers are unable to detail how a 2200. 00 debt becomes a 7000. 00 + debt.

This would allow the consumer to verify that a debt buyer has the right to collect the debt.

I once paid a debt to a collection agency, only to find that I had paid one of 3 collection agencies who claimed to own the debt).

And I found that very few even knew the original creditor' s name, yet still attempted to collect this debt.

The new rule should at minimum state the Original Creditor' s name, and that Debt Buyer has purchased the right to collect the debt.

The new rule should at minimum state the Original Creditor' s name, and that Debt Buyer has purchased the right to collect the debt.

This would allow the consumer to verify that a debt buyer has the right to collect the debt.


Input: that wouldn' t be very efficient. The FCRA does not allow reporting of a debt that is no longer being serviced by a creditor/collector. For example, if your creditor is currently reporting the debt but sells it to a debt collector, your creditor can no longer report on that debt. The buyer can, if he subjects himself to the corresponding federal regulation.

that wouldn' t be very efficient.

The FCRA does not allow reporting of a debt that is no longer being serviced by a creditor/collector.

For example, if your creditor is currently reporting the debt but sells it to a debt collector, your creditor can no longer report on that debt.

The buyer can, if he subjects himself to the corresponding federal regulation.

that wouldn' t be very efficient.

The FCRA does not allow reporting of a debt that is no longer being serviced by a creditor/collector.


Input: There are requirements for validating a debt to the customer set in the FDCPA. There are investigation requirements in other aspects of federal law when a consumer disputes. A debt cannot simply be created out of thin air. Agencies who engage in this sort of practice are usually stopped relatively quickly and fined quite heavily (as well as subjected to cease and desist and regulatory action). The fact is, while a debt collector is required to maintain certain pieces of information and validate certain pieces of information, the consumer is not required to do anything further than say, " I don' t owe this " to make collections stop for a period of time. Just like for debt collectors, the few that do it wrong ruin if for the many that do it right, consumers in my opinion should be required to furnish some sort of support of dispute.

There are requirements for validating a debt to the customer set in the FDCPA.

There are investigation requirements in other aspects of federal law when a consumer disputes.

A debt cannot simply be created out of thin air.

Agencies who engage in this sort of practice are usually stopped relatively quickly and fined quite heavily (as well as subjected to cease and desist and regulatory action).

The fact is, while a debt collector is required to maintain certain pieces of information and validate certain pieces of information, the consumer is not required to do anything further than say, " I don' t owe this " to make collections stop for a period of time.

Just like for debt collectors, the few that do it wrong ruin if for the many that do it right,

consumers in my opinion should be required to furnish some sort of support of dispute.

A debt cannot simply be created out of thin air.

There are requirements for validating a debt to the customer set in the FDCPA.

A debt cannot simply be created out of thin air.

There are investigation requirements in other aspects of federal law when a consumer disputes.

consumers in my opinion should be required to furnish some sort of support of dispute.

The fact is, while a debt collector is required to maintain certain pieces of information and validate certain pieces of information, the consumer is not required to do anything further than say, " I don' t owe this " to make collections stop for a period of time.

consumers in my opinion should be required to furnish some sort of support of dispute.

Just like for debt collectors, the few that do it wrong ruin if for the many that do it right,


Input: This is precisely what lead to my filing bankruptcy. Debt buying and selling, made a debt that was 10 years old, reappear on my credit report. Each time I mentioned that the debt was time-barred. I was informed that the debt had been bought, and that the " clock " had been restarted.

This is precisely what lead to my filing bankruptcy.

Debt buying and selling, made a debt that was 10 years old, reappear on my credit report.

Each time I mentioned that the debt was time-barred.

I was informed that the debt had been bought, and that the " clock " had been restarted.