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Any collector who uses a robocall, without first having a live person call to verify that the phone number is correct, is lazy and irresponsible. Aside from being a major nuisance, robocalls to a third party are always an improper disclosure because prerecorded calls are required to include the name of the company at t... | {
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"text": "Any collector who uses a robocall, without first having a live person call to verify that the phone number is correct, is lazy and irresponsible.",
"start": 0,
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},
{
"text": "Aside from being a major nuisance, roboca... | [] |
If I am paying for the minutes on my phone, which I do, then I should be able to chose who' s call I do and do not want to answer. When it comes up' unknown ", how do I know it' s a Collection Agency, a telemarketer trying to sell me vacation homes, cruse lines trying to sell me a cruse, someone wanting to offer me a b... | {
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{
"text": "If I am paying for the minutes on my phone, which I do, then I should be able to chose who' s call I do and do not want to answer.",
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},
{
"text": "If they truly are legidimate and want to talk to me, pr... | [] |
A collector' s toll-free number is the ideal number to display on Caller ID, since it allows the call to be returned from anywhere without incurring long-distance charges. It also lets the recipient know right away that it is not a personal call and is probably not from a local company. I' d much rather see an 800 numb... | {
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"text": "A collector' s toll-free number is the ideal number to display on Caller ID,",
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{
"text": "I' d much rather see an 800 number than a spoofed local number for a company that is really 1000 miles away (or... | [] |
I don' t like #2 because if they were to start telling consumers to a to a certain website, that opens the door for spammers/hackers to increase virus infections by simply doing the same thing. Just calling every phone number in the phone book and telling the consumer navigate to a certain website and then infect their... | {
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"text": "I don' t like #2",
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"text": "because if they were to start telling consumers to a to a certain website, that opens the door for spammers/hackers to increase virus infections by simply doing the same t... | [] |
They could at least start with address and area code of debtor " s phone number. And I would say that the reach would be at least as far as the local commuting area. So for a city like Boston, there' s Boston, Chelsea, and the other surrounding areas. Now, if a debtor from NY traveled to Boston for the marathon, for ex... | {
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{
"text": "They could at least start with address and area code of debtor \" s phone number.",
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{
"text": "But once a debtor has identified his/herself within the reach of the commuting area of the place of emerg... | [] |
It would be a good idea to create a national database of collectors and assign them an ID number just like the IRS. Require them to state their name and ID number just like IRS employees do. This would allow debtors to easily identify an abusive collector or just call a debt collection agency and ask to speak to a spec... | {
"entities": {
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"text": "It would be a good idea to create a national database of collectors and assign them an ID number just like the IRS.",
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{
"text": "This would allow debtors to easily identify an abusive collector or jus... | [] |
This is a collectors favorite. They call over and over to harass debtors and they should be limited to one call per day with a required voicemail stating their purpose. | {
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"text": "This is a collectors favorite.",
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{
"text": "They call over and over to harass debtors",
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],
"policy": [
{
"text":... | [] |
Creditors should only be allowed to call between the hours of 9am until 7pm local time unless they have written consent (maybe even a web form) that gives them a minimum 3 hour window in which to call. Additionally, they are limited to 3 phone calls a day maximum. | {
"entities": {
"policy": [
{
"text": "Creditors should only be allowed to call between the hours of 9am until 7pm local time unless they have written consent (maybe even a web form) that gives them a minimum 3 hour window in which to call.",
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... | [] |
I think limitation is good as not to harass. I think it has been generally defined as 3-4 days per day, though I think that is still excessive, and any collector who follows that is clearly trying to harass. Who else would someone call 3-4 times in a day? But, with the example of 1 call per day, I would think that ther... | {
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"text": "I think limitation is good as not to harass.",
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{
"text": "though I think that is still excessive,",
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{
"text": "and any collector who foll... | [] |
Creditors should only be allowed to call between the hours of 9am until 7pm local time unless they have written consent (maybe even a web form) that gives them a minimum 3 hour window in which to call. Additionally, they are limited to 3 phone calls a day maximum. If they leave a message they should be required to leav... | {
"entities": {
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"text": "Creditors should only be allowed to call between the hours of 9am until 7pm local time unless they have written consent (maybe even a web form) that gives them a minimum 3 hour window in which to call.",
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},
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... | [] |
The courts should also mandate that if a debtor has reached out to the creditor in an attempt to negotiate the creditor must continue to try to reach a settlement rather than seeking judgment against the debtor. Also, the collection agency should not be able to add interest on top of debt that seek judgment for if the ... | {
"entities": {
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{
"text": "The courts should also mandate that if a debtor has reached out to the creditor in an attempt to negotiate the creditor must continue to try to reach a settlement rather than seeking judgment against the debtor.",
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},... | [] |
A lot of excellent points made by MLegz13. My elderly parents needed help with day to day activities even if they were too proud to say anything. I stopped my award winning video business to be their CareGiver. Once the savings ran out, I had to default after 15 years of having a perfect credit card payment history. Th... | {
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"text": "A lot of excellent points made by MLegz13.",
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{
"text": "It is this type of scenario that requires debts be frozen where they were at the time of default and in exchange the debtor agrees to pay off the... | [] |
How about allowing arbitrators to not be bound entirely by the law, but also by common sense when it comes credit card defaults? Common sense tells us that if a Colorado flood washes away a community, those in the community are possibly not going to be able to pay their credit card bills for a few months. Common sense ... | {
"entities": {
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"text": "How about allowing arbitrators to not be bound entirely by the law, but also by common sense when it comes credit card defaults?",
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{
"text": "Common sense tells us that if a Colorado flood washes away... | [] |
With a fully communicative voicemail identifying the purpose of the call I think one call is quite diligent. If they choose to call and leave no message then they might as well have done nothing. At least this way their message is being delivered. | {
"entities": {
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"text": "With a fully communicative voicemail identifying the purpose of the call I think one call is quite diligent.",
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"text": "If they choose to call and leave no message then they might as well have done ... | [] |
The national database and licensing would be a good idea if it were used effectively to weed out the bad collectors and put them (and their corporate officers) out of business permanently. Not those who get caught up in technical violations over mini-Mirandas, but the ones who knowingly commit serious violations of the... | {
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"text": "The national database and licensing would be a good idea if it were used effectively to weed out the bad collectors and put them (and their corporate officers) out of business permanently. Not those who get caught up in technical violations over mini-Mirandas, b... | [] |
I would have to point out that there is many complaints in regards to how abusive or harassing debt collectors are according to consumers. As a third-party debt collector, I receive dozens harassment complaints daily. I would just like to note that 80% of the time, these consumers that my fellow co-workers and I come a... | {
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"text": "I would have to point out that there is many complaints in regards to how abusive or harassing debt collectors are according to consumers.",
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],
"testimony": [
{
"text": "As a third-party debt co... | [] |
The majority of the time, when a debt has been paid off, it has been paid to the client, not the collection agency. Most of that time when that debt has been paid to the client, the client neglects to report it to the agency. So the collectors continue to call on a paid debt that they have no knowledge of. It' s really... | {
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"text": "The majority of the time, when a debt has been paid off, it has been paid to the client, not the collection agency.",
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},
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"text": "Most of that time when that debt has been paid to the client, the client... | [] |
If a debt is to be turned over to a collection agency, the owner of the debt should be required to send a fully itemized statement to the debtor. The statement should have a large-type header, something like, " [NAME OF CREDITOR] IS TURNING THIS DEBT OVER TO [NAME], A DEBT COLLECTION AGENCY. " This would give the debto... | {
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{
"text": "If a debt is to be turned over to a collection agency, the owner of the debt should be required to send a fully itemized statement to the debtor.",
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{
"text": "The statement should have a large-type h... | [] |
My experience is only with medical bills. The debt collectors seem only to know (a) what hospital and (b) how much. When you' ve been doing the hokey-pokey from emergency room to nursing home and back again over a period of months, that information is not much help. What' s really needed is an itemized bill that' s a l... | {
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"testimony": [
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"text": "My experience is only with medical bills.",
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],
"value": [
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"text": "The debt collectors seem only to know (a) what hospital and (b) how much.",
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... | [] |
Wow, I didn' t even know we had those rights except for the one about the workplace, they' re all news to me. So I' ve no experience, but my guess would be that the debt collectors would rather not receive this information. | {
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"text": "Wow, I didn' t even know we had those rights",
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{
"text": "except for the one about the workplace, they' re all news to me.",
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},
{
"text": "So... | [] |
I think probably the benefits of giving debt collectors and buyers access to these documents would NOT worth the costs unless the documents have to be included with the validation notice. If the debt collectors were anxious to be sure they had the right debtor, sure, great. But I don' t think they are. The actual guy o... | {
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"text": "I think probably the benefits of giving debt collectors and buyers access to these documents would NOT worth the costs unless the documents have to be included with the validation notice.",
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{
"text": ... | [] |
The main problem with privacy is that we use the SS #for everything, so everything can be connected. That' s been a bad idea since they started using it as a taxpayer i. d. It probably prevents a little fraud, but it' s not worth it. We have, in effect, made it illegal to be untraceable--not a good thing for victims of... | {
"entities": {
"value": [
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"text": "The main problem with privacy is that we use the SS #for everything, so everything can be connected.",
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"text": "That' s been a bad idea since they started using it as a taxpayer i. d.",
"sta... | [] |
I generally prefer e-mail to telephone communication, but you can' t be sure the e-mail has reached the person. I would suggest a notice that says, " If you don' t acknowledge receipt of this e-mail, we' ll start phoning you. " | {
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"value": [
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"text": "I generally prefer e-mail to telephone communication,",
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{
"text": "but you can' t be sure the e-mail has reached the person.",
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],
"policy": [
... | [] |
Payment processor Visa has general information and the corresponding state statutes about the 10 states that prohibit companies from charging credit/debit card fees located on their website. Texas, which most people would think would be business friendly, is actually really consumer friendly when it comes to these fees... | {
"entities": {
"fact": [
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"text": "Payment processor Visa has general information and the corresponding state statutes about the 10 states that prohibit companies from charging credit/debit card fees located on their website.",
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"text"... | [] |
Yes, I am also concerned with whether or not collectors should identify themselves in a message, or if they should be more general in identifying who they are in a voice message as to not invade the privacy of the debtor for whomever else may share the same answering machine or otherwise may over hear the message. So f... | {
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"text": "Yes, I am also concerned with whether or not collectors should identify themselves in a message, or if they should be more general in identifying who they are in a voice message as to not invade the privacy of the debtor for whomever else may share the same answ... | [] |
I have found, on numerous occasions, that the debt collection process allowing firms purchasing debt-for pennies on the dollar-often use intimidating tactics that can easily be considered extortion. Every time a deb t collector purchases an old, out-of-date debt, they re-file the debt with the credit bureau (s). This c... | {
"entities": {
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"text": "I have found, on numerous occasions, that the debt collection process allowing firms purchasing debt-for pennies on the dollar-often use intimidating tactics that can easily be considered extortion.",
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{
... | [] |
I think I do kind of like this idea. This designated database/website could also list Summary of Rights for state laws and Fed laws. Then this same website might also be able to be used as a way to report abusive behaviors (or link to the appropriate websites to do so), and other relevant information for consumers rega... | {
"entities": {
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"text": "I think I do kind of like this idea.",
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{
"text": "This designated database/website could also list Summary of Rights for state laws and Fed laws.",
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},
... | [] |
Please include calls to family and friends of debtor. We are called frequently to pass on messages for people that have our last name, some of them we don' t know. | {
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"text": "Please include calls to family and friends of debtor.",
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],
"testimony": [
{
"text": "We are called frequently to pass on messages for people that have our last name, some of them we don' t know... | [] |
I often get robo calls about family members debt, sometimes 3 or 4 a day, usually for family members that I haven' t spoken to for decades. I am not sure how they get my phone no. as it is unlisted and I am sure the family members don' t have it. | {
"entities": {
"testimony": [
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"text": "I often get robo calls about family members debt, sometimes 3 or 4 a day, usually for family members that I haven' t spoken to for decades.",
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"end": 139
},
{
"text": "as it is unlisted and I am sure the family ... | [] |
Mslade, you have some valid points about the confusing Foti rulings, but I think you are wrong about the TCPA. This law has always applied to debt collectors, politicians, and even charities with respect to cellular phones. And it' s not just one judge who has ruled in this way. The FCC and the courts have repeatedly a... | {
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"text": "Mslade, you have some valid points about the confusing Foti rulings,",
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"text": "but I think you are wrong about the TCPA.",
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"fact": [
... | [] |
Tiffany, I think part of the problem is that the 2% of collectors who harass and abuse are responsible for a disproportionate share of the contacts that consumers have with your industry. Everyone (whether they owe a debt or not) has had an encounter with one of these bad apples, and then they want to take out their an... | {
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"text": "Tiffany, I think part of the problem is that the 2% of collectors who harass and abuse are responsible for a disproportionate share of the contacts that consumers have with your industry.",
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},
{
"text": ... | [] |
My daughter has both private and federal loans through Sallie Mae. They call her cell phone and my cell phone daily, at least 10 times a day. They called me, by the way, they do not have her permission to speak with me, and tell me to stop paying her federal loans because they can be deferred and pay the private loans.... | {
"entities": {
"testimony": [
{
"text": "My daughter has both private and federal loans through Sallie Mae.",
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"end": 66
},
{
"text": "They call her cell phone and my cell phone daily, at least 10 times a day.",
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"end": 141
... | [] |
All? It' s just not so. Maybe retailers do; I have no experience with them. But medical billers are consistently mistaken, careless, and just plain wrong. One medical facility called my daughter-in-law' s cell phone about a bill for my mother! They had her number as, I think, the fourth emergency number. And this was a... | {
"entities": {
"fact": [
{
"text": "All? It' s just not so.",
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},
{
"text": "Maybe retailers do;",
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],
"testimony": [
{
"text": "I have no experience with them.",
"st... | [] |
I see what you mean, but that tiny percentage suffers incredible annoyance and harassment. Should they pay what they don' t owe, merely to get out from under? All we' ve ever asked for is an itemized bill from the original creditor, but the collectors act as if that' s too much. And they say--and probably believe--that... | {
"entities": {
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"text": "I see what you mean,",
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{
"text": "but that tiny percentage suffers incredible annoyance and harassment.",
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},
{
"text": "but the collectors act... | [] |
Yep, that' s right. Isn' t the point supposed to be to collect the debt? | {
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"value": [
{
"text": "Yep, that' s right.",
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"text": "Isn' t the point supposed to be to collect the debt?",
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]
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The state in which I practice does not allow jurisdiction based solely on where the contract was signed. As such, we limit our filings to the venues where we reasonably believe the consumer resides. The states typically define what is the proper court thereafter, whether its based on amount, location, etc. so even if t... | {
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"text": "The state in which I practice does not allow jurisdiction based solely on where the contract was signed.",
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"text": "The states typically define what is the proper court thereafter, whether its based ... | [] |
I am sorry to hear about this situation. This kind of abusive behavior is upsetting to hear as a consumer. They don' t need to " speak " with anyone. You/your daughter are perfectly within your legal rights to ask the phone calls to stop and to communicate by other means. And the collectors who are refusing to honor th... | {
"entities": {
"value": [
{
"text": "I am sorry to hear about this situation.",
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{
"text": "This kind of abusive behavior is upsetting to hear as a consumer.",
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},
{
"text": "They ... | [] |
Debt collectors file a large number of default judgments because quite simply consumers do not take action, not because they are unaware of the issue. Usually at the time a lawsuit is filed, a debt collector has attempted to resolve the issue via telephone calls and/or letters. This doesn' t even include the efforts th... | {
"entities": {
"fact": [
{
"text": "Debt collectors file a large number of default judgments",
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},
{
"text": "A lawsuit is never a first response.",
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},
{
"text": "As to the inquiry ... | [] |
I would like to see requirements that the consumers are required to provide written notice of any new addresses for the creditor to reach them so in the event the account does go into default, the creditor has current information to attempt to contact the consumer. Many consumers move frequently, yet fail to update the... | {
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"text": "I would like to see requirements that the consumers are required to provide written notice of any new addresses for the creditor to reach them",
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{
"text": "so in the event the account does go into def... | [] |
I believe that this practice in already in place in three major ways. The creditor usually already requires all of their customers to provided updated contact information, Once a consumer moves the address change and other contact information changes are updated on the consumers credit report, and finally, The USPS has... | {
"entities": {
"value": [
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"text": "I believe that this practice in already in place in three major ways.",
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"fact": [
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"text": "The creditor usually already requires all of their customers to provided updated contact informati... | [] |
From a creditor' s standpoint, I generally agree with this comment. I think a good validation notice could answer a lot of the consumer' s question. I think the author of the above note had some very well reasoned thoughts. I wouldn' t go so far as to add that an itemized statement must be provided, particularly if one... | {
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"text": "From a creditor' s standpoint, I generally agree with this comment.",
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"text": "I think a good validation notice could answer a lot of the consumer' s question.",
"start": 68,
"end": 1... | [] |
Alternative one is the easiest to communicate and probably the easiest to understand. Accouting systems will vary from creditor to creditor and requirements beyond this would only become more cumbersome and costly for a creditor and more confusing for a consumer. I would not have the breakdown be different for differen... | {
"entities": {
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"text": "Alternative one is the easiest to communicate and probably the easiest to understand.",
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"text": "Accouting systems will vary from creditor to creditor",
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... | [] |
You raise an issue that has two distinct definitions: " sent " and " received " I don' t think that any consumer wishes that they " receive " a notice that wasn' t " sent " in the first place. In addition, letters and parcels get lost in the mail all the time. If there is a requirement for a credit/collector to " send ... | {
"entities": {
"value": [
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"text": "You raise an issue that has two distinct definitions: \" sent \" and \" received \"",
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},
{
"text": "I don' t think that any consumer wishes that they \" receive \" a notice that wasn' t \" sent \" in the ... | [] |
You are correct. There is quite a difference between send and receive. All I am suggesting is that a creditor only be required to send any notice to the last known address-not that the consumer receive it. and you presume too much if you think that all mail is returned if not delivered to the proper recipeint), then th... | {
"entities": {
"value": [
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"text": "You are correct.",
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},
{
"text": "There is quite a difference between send and receive.",
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},
{
"text": "All I am suggesting is that a creditor onl... | [] |
Sorry, but you are mistaken about debt collectors not being able to change information in your credit file. Yes, they can, and yes they do. If my account has been sold (several) times to other people, and my original creditor no longer owns the account, then how would my account be (updated/reported) by that company (d... | {
"entities": {
"value": [
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"text": "Sorry, but you are mistaken about debt collectors not being able to change information in your credit file.",
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"end": 107
},
{
"text": "If my account has been sold (several) times to other people, and my original cr... | [] |
I agree. Most creditors already have this information in contracts and other correspondence to the debtor. This additional notice is unnecessary would be cumbersome and costly. | {
"entities": {
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"text": "I agree.",
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{
"text": "Most creditors already have this information in contracts and other correspondence to the debtor.",
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},
{
"text": "This ad... | [] |
this is not necessarily true. There are services that text and the sender pays for the text. | {
"entities": {
"value": [
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"text": "this is not necessarily true.",
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"fact": [
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"text": "There are services that text and the sender pays for the text.",
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I had a 19 year old debt come back to haunt me I went to three attorney' s to attempt to pay them to " talk " to the company, as the information I was given, would not call me back after leaving several messages, along with an offer to settle it for slightly more than one-half of what they claimed I owed. This debt wen... | {
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"text": "I had a 19 year old debt come back to haunt me",
"start": 0,
"end": 46
},
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"text": "I went to three attorney' s to attempt to pay them to \" talk \" to the company, as the information I was given, would not call me back a... | [] |
Once companies have sold the debt to a collection agency they do not help resolve it in any way and the collection agency is only interested in getting money not whether the debt is real or there were some mitigating circumstances. | {
"entities": {
"value": [
{
"text": "Once companies have sold the debt to a collection agency they do not help resolve it in any way",
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"end": 95
},
{
"text": "and the collection agency is only interested in getting money not whether the debt is real o... | [] |
The most important would be not to call at work. That' s really the most important to the collectors, too, because a person out of work isn' t likely to pay. | {
"entities": {
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{
"text": "The most important would be not to call at work.",
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{
"text": "That' s really the most important to the collectors, too,",
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"end": 106
},
{
"text": "becau... | [] |
I believe most default judgments occur for one reason: the consumers know they owe the debt and see no reason to prolong the situation. Many consumers will call us and make payment arrangements after being served. We advise them they have the opportunity to be heard in court but most decline. They simply want to resolv... | {
"entities": {
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"text": "I believe most default judgments occur for one reason: the consumers know they owe the debt and see no reason to prolong the situation.",
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},
{
"text": "They simply want to resolve the debt.",
"st... | [] |
My experience is the collection agency will not correct the debt on the credit report! we need a law requiring the collection company to report debt repayment or debt settlement to the credit bureau in a timely manner... Say 30 days after the debt has been settled, or payment arrangements have been made. It can be very... | {
"entities": {
"testimony": [
{
"text": "My experience is the collection agency will not correct the debt on the credit report!",
"start": 0,
"end": 86
}
],
"policy": [
{
"text": "we need a law requiring the collection company to report debt repayment or ... | [] |
Massachusetts has this right. There need to be strict and enforceable limits on the number of times a collector can call during the week. I' ve received as many as 40 calls over a 5-day period from Citicards and calls every 50 minutes at work during the day by Wells Fargo. THIS IS SHAMEFUL AND THIS FREQUENT REPEAT CALL... | {
"entities": {
"value": [
{
"text": "Massachusetts has this right.",
"start": 0,
"end": 29
},
{
"text": "THIS IS SHAMEFUL",
"start": 274,
"end": 290
},
{
"text": "Those of us who are in debt know it and don' t have to be remind... | [] |
Please READ this article about global debt. Enforcing the existing debt collection paradigm simply legitimizes and illegitimate system. PLEASE DO MORE than that, Please LEVEL THE DEBT PLAYING FIELD. GLOBAL DEBT ELEPHANT IN THE ROOM. __URL__ | {
"entities": {
"policy": [
{
"text": "Please READ this article about global debt.",
"start": 0,
"end": 43
},
{
"text": "PLEASE DO MORE than that,",
"start": 136,
"end": 161
},
{
"text": "Please LEVEL THE DEBT PLAYING FIELD.",
... | [] |
I would suggest that debtors who INVOLUNTARILY defaulted on a debt don' t have the money to hire an attorney, so they don' t see the point to going to court without an attorney. Why doesn' t the court give access to free legal counsel to debt defaulters the way they do to those who are accused of committing a crime? | {
"entities": {
"value": [
{
"text": "I would suggest that debtors who INVOLUNTARILY defaulted on a debt don' t have the money to hire an attorney,",
"start": 0,
"end": 109
},
{
"text": "so they don' t see the point to going to court without an attorney.",
... | [] |
The CFPB doesn' t need to craft rules to encourage non-litigation alternatives or not to sell to those who utilize litigation models. BillBartmann' s data is suspect as to 10M lawsuits filed yearly and likely his models comparing litigation and non litigation data has not been published. The facts are consumers need to... | {
"entities": {
"value": [
{
"text": "The CFPB doesn' t need to craft rules to encourage non-litigation alternatives or not to sell to those who utilize litigation models.",
"start": 0,
"end": 133
},
{
"text": "BillBartmann' s data is suspect as to 10M lawsuits fi... | [] |
I think your idea is an excellent one. My concern is that it might force interest rates even higher. Ideally, there would probably be less overall defaults if consumers, when first getting credit were required to pay at least 5% of the total due each and every month. | {
"entities": {
"value": [
{
"text": "I think your idea is an excellent one.",
"start": 0,
"end": 38
},
{
"text": "My concern is that it might force interest rates even higher.",
"start": 39,
"end": 100
},
{
"text": "Ideally, th... | [] |
My deceased daughter (she passed 2 years ago) had some debt. We continue to receive calls from debt collectors even after we have asked them not to call us anymore. My wife has filed complaints with the Oregon State Justice dept. to complain about the harrassment. Why can' t these collectors do their research on the de... | {
"entities": {
"testimony": [
{
"text": "My deceased daughter (she passed 2 years ago) had some debt.",
"start": 0,
"end": 60
},
{
"text": "We continue to receive calls from debt collectors even after we have asked them not to call us anymore.",
"start": ... | [] |
These are all excellent suggestions but they don' t address people who are incapable of paying down the interest bearing debt in a timely manner but could pay it down in a longer manner and if no more interest rate charges were accruing. | {
"entities": {
"value": [
{
"text": "These are all excellent suggestions",
"start": 0,
"end": 35
},
{
"text": "but they don' t address people who are incapable of paying down the interest bearing debt in a timely manner but could pay it down in a longer manner an... | [] |
and if you remain skeptical, please check out this article by a completely independent source about global debt. Global Debt Elephant in the Room. __URL__ | {
"entities": {
"policy": [
{
"text": "and if you remain skeptical, please check out this article by a completely independent source about global debt.",
"start": 0,
"end": 112
}
],
"reference": [
{
"text": "Global Debt Elephant in the Room. __URL__",
... | [] |
Larry S, your quote... " A plaintiff in a lawsuit cannot be placed in a situation where it is rewarding to sue with insufficient cause and minimal risk " is a very powerful statement and one that I entirely agree with. It is this scenario that emboldens debt collectors to hire riff raff service companies who will lie a... | {
"entities": {
"value": [
{
"text": "Larry S, your quote... \" A plaintiff in a lawsuit cannot be placed in a situation where it is rewarding to sue with insufficient cause and minimal risk \" is a very powerful statement and one that I entirely agree with.",
"start": 0,
"end": 218
... | [] |
I have been falsely subserved twice. Both times resulted in verdicts against me. Thank you for taking the time to express your viewpoint, which should carry a LOT OF WEIGHT since you are in it at the ground level. If I had not been falsely subserved, it is possible that the debt collector would have been more humbled a... | {
"entities": {
"testimony": [
{
"text": "I have been falsely subserved twice.",
"start": 0,
"end": 36
},
{
"text": "Both times resulted in verdicts against me.",
"start": 37,
"end": 80
},
{
"text": "But I never got that far",
... | [] |
Jeffreyjon, it sounds like you are identifying how a strategic defaulter acts. However, Involuntary Defaulters don' t have the income available to pay down a debt if the interest rate charges are going to keep accruing. | {
"entities": {
"value": [
{
"text": "Jeffreyjon, it sounds like you are identifying how a strategic defaulter acts.",
"start": 0,
"end": 78
},
{
"text": "However, Involuntary Defaulters don' t have the income available to pay down a debt if the interest rate char... | [] |
By the time a file reaches litigation, the debtor has already received at least one prior opportunity to resolve the debt with the collector (the initial demand letter, which by law must inform the debtor of his/her right to challenge the veracity of the debt being pursued). By making default judgment more difficult, t... | {
"entities": {
"fact": [
{
"text": "By the time a file reaches litigation, the debtor has already received at least one prior opportunity to resolve the debt with the collector (the initial demand letter, which by law must inform the debtor of his/her right to challenge the veracity of the debt bei... | [] |
It is unwise to require that the debt collector send sensitive personal information to the debtor (e. g., SSN, account number as such a requirement would expose the debtor to the danger of ID theft. | {
"entities": {
"value": [
{
"text": "It is unwise to require that the debt collector send sensitive personal information to the debtor (e. g., SSN, account number",
"start": 0,
"end": 125
},
{
"text": "as such a requirement would expose the debtor to the danger o... | [] |
For attorney debt collectors, being required to provide a list of all the rights the consumer may have comes perilously close to the provision of legal advice; even if it doesn' t cross that line, the unsophisticated debtor may believe that an attorney is acting as a neutral court officer rather than as an advocate for... | {
"entities": {
"value": [
{
"text": "For attorney debt collectors, being required to provide a list of all the rights the consumer may have comes perilously close to the provision of legal advice;",
"start": 0,
"end": 159
},
{
"text": "even if it doesn' t cross t... | [] |
Several courts have held " and the [FTC] and the [CFPB] agree' that a collector who sues or threatens suit on a time-barred debt violates the FDCPA. The FDCPA prohibits, among other things, the use of " any false, deceptive, or misleading representation or means in connection with the collection of any debt. " These in... | {
"entities": {
"fact": [
{
"text": "Several courts have held \" and the [FTC] and the [CFPB] agree' that a collector who sues or threatens suit on a time-barred debt violates the FDCPA.",
"start": 0,
"end": 148
},
{
"text": "The FDCPA prohibits, among other thing... | [] |
As I frequent many of the consumer credit forums, I will tell you that most consumers do think that a debt can still be brought to court when the receive contact past the SOL. And others I have run into also still get contacted even after the 7 year mark when the debt has finally dropped from their credit report. In fa... | {
"entities": {
"testimony": [
{
"text": "As I frequent many of the consumer credit forums,",
"start": 0,
"end": 49
},
{
"text": "And others I have run into also still get contacted even after the 7 year mark when the debt has finally dropped from their credit rep... | [] |
A marital spouse is no longer a marital spouse when either martial partner dies. To death do us part. The end is death. A spouse doesn' t remarry while still married, but unmarried people will remarry. A divorced spouse or a widowed spouse, may become the spouse of another once remarried. The term spouse, in my opinion... | {
"entities": {
"fact": [
{
"text": "A marital spouse is no longer a marital spouse when either martial partner dies.",
"start": 0,
"end": 80
},
{
"text": "A spouse doesn' t remarry while still married,",
"start": 120,
"end": 166
},
{
... | [] |
After offering documentation that I didn' t owe a debt, the collection company ignored what I offered as proof and continued to try to collect the debt even stated they didn' t care that I didn' t owe it. They should be required to investigate and respond in writing to a consumer' s defense, so a follow up can be made,... | {
"entities": {
"testimony": [
{
"text": "After offering documentation that I didn' t owe a debt, the collection company ignored what I offered as proof and continued to try to collect the debt",
"start": 0,
"end": 151
},
{
"text": "even stated they didn' t care t... | [] |
Debt collectors should announce themselves and refrain from acting like: investigators, attorneys, or hitmen. There needs to be an enforced code of behavior that represents a professional on the other end of the phone. Most recently, my husband has been receiving threatning phone calls from a collector pretending to be... | {
"entities": {
"policy": [
{
"text": "Debt collectors should announce themselves and refrain from acting like: investigators, attorneys, or hitmen.",
"start": 0,
"end": 109
},
{
"text": "There needs to be an enforced code of behavior that represents a professiona... | [] |
Well, I get at least one call per week from a litigant saying " I was served with a summons today, and it says I must appear within 10 (or 30) days to answer this complaint, but there is no court date on the papers for me to appear ", and I have to tell them the procedure (and point out to them the blurb about you not ... | {
"entities": {
"testimony": [
{
"text": "Well, I get at least one call per week from a litigant saying \" I was served with a summons today, and it says I must appear within 10 (or 30) days to answer this complaint, but there is no court date on the papers for me to appear \",",
"start": 0,... | [] |
I was not the one with debt. I was a mediator trying to help. The people with this situation sometimes ignore the first notice to them and don' t ask for a validation letter. Others, I believe, do not read it carefully and see they have a small window of time to dispute the claim. I think the original notice letter to ... | {
"entities": {
"testimony": [
{
"text": "I was not the one with debt.",
"start": 0,
"end": 28
},
{
"text": "I was a mediator trying to help.",
"start": 29,
"end": 61
},
{
"text": "Probably 50% of the agencies I have dealt with ... | [] |
Disputes are not investigated. That is a joke. Sending out a letter to whoever these debt collectors think is responsible for the debt is just rote--it is not done in good faith or follow the letter of the law. They 1) use vague names, no signature, post office boxes, a million aliases for their debt collection busines... | {
"entities": {
"value": [
{
"text": "Disputes are not investigated.",
"start": 0,
"end": 30
},
{
"text": "That is a joke.",
"start": 31,
"end": 46
},
{
"text": "Sending out a letter to whoever these debt collectors think is res... | [] |
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 ... | {
"entities": {
"testimony": [
{
"text": "I had the same situation with another cellular carrier.",
"start": 0,
"end": 55
},
{
"text": "It was another early termination fee,",
"start": 114,
"end": 151
},
{
"text": "and I wrote m... | [] |
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. | {
"entities": {
"value": [
{
"text": "Well I do want to shout.",
"start": 0,
"end": 24
},
{
"text": "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.",
... | [] |
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 s... | {
"entities": {
"value": [
{
"text": "I concur with previous comment.",
"start": 0,
"end": 31
},
{
"text": "Sending a letter by mail isn' t very expensive, either.",
"start": 126,
"end": 181
},
{
"text": "Consumers can keep trac... | [] |
I think it should be kept uniform. It seems to make sense for sellers to send notification. | {
"entities": {
"policy": [
{
"text": "I think it should be kept uniform.",
"start": 0,
"end": 34
}
],
"value": [
{
"text": "It seems to make sense for sellers to send notification.",
"start": 35,
"end": 91
}
]
},
"relations":... | [] |
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. T... | {
"entities": {
"value": [
{
"text": "Probably won' t find any legislation",
"start": 0,
"end": 36
},
{
"text": "since people who have allegedly defaulted on a debt aren' t necessarily going to tell the world, or create a lobby for their cause.",
"start": ... | [] |
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 cle... | {
"entities": {
"testimony": [
{
"text": "The letter I received just said this communication is for the purpose of collecting a debt.",
"start": 0,
"end": 91
}
],
"value": [
{
"text": "First, it was supposed to be a \" validation \" letter,",
"star... | [] |
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... | {
"entities": {
"testimony": [
{
"text": "I found an unsealed envelope in my mail box that had court documents in them.",
"start": 0,
"end": 77
},
{
"text": "I contacted the debt collection company and asked what was going on",
"start": 78,
"end": ... | [] |
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 b... | {
"entities": {
"value": [
{
"text": "The data is difficult to obtain",
"start": 0,
"end": 31
},
{
"text": "and likely not attainable",
"start": 32,
"end": 57
},
{
"text": "Also the data could be inaccurate",
"start": 14... | [] |
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 ... | {
"entities": {
"value": [
{
"text": "This is unreal.",
"start": 0,
"end": 15
},
{
"text": "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... | [] |
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-tra... | {
"entities": {
"value": [
{
"text": "Why are these questions putting the onus, once again, one the consumer?",
"start": 0,
"end": 71
},
{
"text": "It is the collectors who have harassed in the name of collecting a debt.",
"start": 72,
"end": 144
... | [] |
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. | {
"entities": {
"value": [
{
"text": "I believe that most Defendants are properly served.",
"start": 0,
"end": 51
},
{
"text": "and very rarely is service done improperly.",
"start": 95,
"end": 138
},
{
"text": "This does vary a... | [] |
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 o... | {
"entities": {
"policy": [
{
"text": "What a great idea--record them.",
"start": 0,
"end": 31
}
],
"value": [
{
"text": "Reading these comments, there are so many examples of abuse,",
"start": 32,
"end": 92
},
{
"text":... | [] |
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 fraud... | {
"entities": {
"testimony": [
{
"text": "They have done so.",
"start": 0,
"end": 18
},
{
"text": "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.",
"start":... | [] |
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 t... | {
"entities": {
"testimony": [
{
"text": "The debt collector who harassed me did that number one on the \" three others \"",
"start": 0,
"end": 78
},
{
"text": "I got calls saying \" hey we' ll settle for \" such and such.",
"start": 79,
"end": 138... | [] |
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 ... | {
"entities": {
"value": [
{
"text": "Email isn' t easier to access or view off the debtor' s screen than a call",
"start": 0,
"end": 74
},
{
"text": "a call' s content is actually harder to hide if you receive it among other people),",
"start": 75,
... | [] |
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. Al... | {
"entities": {
"value": [
{
"text": "I have a lot of concerns with emails.",
"start": 0,
"end": 37
},
{
"text": "This is widely used by spammers and hackers.",
"start": 273,
"end": 317
},
{
"text": "because the spammers are so ... | [] |
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 ... | {
"entities": {
"policy": [
{
"text": "If emails are allowed, they should not be allowed to be sent outside of what is the acceptable time for phone calls.",
"start": 0,
"end": 116
},
{
"text": "I would like to restrict the time to inside normal business hours for... | [] |
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. | {
"entities": {
"value": [
{
"text": "I agree that of course an ideal situation would be for consumers not to pay.",
"start": 0,
"end": 76
},
{
"text": "I was proposing some viable method that would result in an ability of a consumer to have a hearing.",
"... | [] |
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 deem... | {
"entities": {
"fact": [
{
"text": "Debtors often respond with \" I don' t owe anything \",",
"start": 0,
"end": 53
}
],
"value": [
{
"text": "which is vague and makes it harder to cater for their needs.",
"start": 54,
"end": 114
},
... | [] |
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 g... | {
"entities": {
"policy": [
{
"text": "If you want to instantly level the playing field, make any credit card debt above and beyond the moment of default, disputable.",
"start": 0,
"end": 127
}
],
"value": [
{
"text": "Disputability of any amount over the ... | [] |
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 a... | {
"entities": {
"value": [
{
"text": "Why can' t we bring back the olden days?",
"start": 0,
"end": 40
},
{
"text": "Why not just go back to the days when only one collector was responsible for making the contact?",
"start": 341,
"end": 437
}... | [] |
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 writ... | {
"entities": {
"testimony": [
{
"text": "I was sued for an alleged debt from 1993 by NYC landlord.",
"start": 0,
"end": 57
},
{
"text": "Judge denied him the 1600.",
"start": 58,
"end": 84
},
{
"text": "and then his real estate... | [] |
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... | {
"entities": {
"value": [
{
"text": "It' s a good question,",
"start": 0,
"end": 22
},
{
"text": "but unfortunately the answer is (of course) complicated.",
"start": 23,
"end": 79
},
{
"text": "Manually dialing phones slows dow... | [] |
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. | {
"entities": {
"testimony": [
{
"text": "Additionally the landlords real estate attorney also had a collections agency",
"start": 0,
"end": 77
},
{
"text": "so he continuously flipped the landlords debts into his agency",
"start": 78,
"end": 140
... | [] |
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. | {
"entities": {
"value": [
{
"text": "I bet YOU never had your phone number programmed into a robo-dialer?",
"start": 0,
"end": 68
},
{
"text": "I can assure you that it' s lots of fun.",
"start": 69,
"end": 109
},
{
"text": "Co... | [] |
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. | {
"entities": {
"value": [
{
"text": "I don' t really care if manual dialing costs you more money.",
"start": 0,
"end": 60
},
{
"text": "You obviously have never been subjected to dozens of misdirected robo calls from debt collectors.",
"start": 61,
... | [] |
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