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I am SO pissed off now! I had a bill sent to collections!!!!!!!!!!!!!

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WillParkinson Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 08:18 PM
Original message
I am SO pissed off now! I had a bill sent to collections!!!!!!!!!!!!!
Today I received a letter in the mail claiming that I had a responsibility for almost $573 in phone bills under my name.

I called the company (who spelled Wisconsin wrong!) and talked to the woman. She says that someone used my name and my Social Security number to open this account in 2000 and that I had to provide information proving that I was in our current house at that time.

2000?!?!?!?!?!?!?! So in 3 years no one tried to contact me to find out of it was correct. They had the correct address for this stupid letter and couldn't bother to try to send this bill that I allegedly owed on?

I found out right before bedtime which made it very hard to sleep well. I'm really annoyed and angry and pissed off!
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travisleit01 Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 08:32 PM
Response to Original message
1. Contest it...
Go to the credit bureau's website and fill out a contest form. There were a few things on someone I know - and they contested and got them removed.
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WillParkinson Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 09:04 PM
Response to Reply #1
5. Contesting...
I have to send them proof of my residence during that time in order to show them that there is no way that I have a bill at a different address during that time. I was VERY annoyed with the woman that I spoke with today and I told her so.

I also sent a letter with the forms telling them that it's now 3 years later and if there was a problem someone should have tried to contact me well before this.
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liberalnurse Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 09:41 PM
Response to Reply #1
7. Contact Clark Howard.....
I know I heard this on his radio show. You can email your issue to him or just call the show.

Here is his web site:

www.clarkhoward.com
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liberalhistorian Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 08:37 PM
Response to Original message
2. I don't give
#$#@%$#%#$@#%@#% collectors (ESPECIALLY medical ones) the time of day. They're nothing but low-life, bloodsucking, bottom-feeding pond scum, and I always take great pleasure in telling them so. They make money off of the misery and misfortune of others and they don't give a shit if you've been laid off or lost your job suddenly or are seriously ill or have a seriously ill family member or are going through a divorce, etc.

I remember dealing with them after I suddenly lost a job a few years ago, was ineligible for unemployment, and couldn't find another one for an entire year. I was sending out meganumbers of resumes every single fucking week. Every time the phone rang, I'd get excited thinking it was for an interview, but it was invariably a goddamn collector who usually got the phone slammed down on their ear.

Line them all up against a wall and shoot them, for all I care!!!!
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toddzilla Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 08:40 PM
Response to Reply #2
3. don't hold back, tell us how you really feel!!
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liberalhistorian Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 08:44 PM
Response to Reply #3
4. LOL!
Somehow, I don't think anyone's gonna have any trouble at all figuring out my opinions on that subject!
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southerngirlwriter Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 10:09 PM
Response to Reply #2
8. Amen, Amen, and Amen!!
I'm dealing with one now. He TOLD ME TO KILL MYSELF!! He said I should kill myself so my parents could cash in the insurance and pay him. (It's less than $1,000, by the way). I sent him a certified letter saying that I was only going to talk to him in writing, because he violates the FDCA everytime he opens his mouth. I told him what I can afford to pay, what I'm doing to try to find a job, and asked him to tell me IN WRITING where and when I should send the money.

He called me. He started screaming that he was going to sue me and have me arrested. I said, "I'm only going to talk to you in writing!" and hung up.

I got a letter yesterday. It was from him. It said, "Make payment in full within 72 hours, or call us at xxx-xxx-xxxx."

So, I'm sending him another certified letter. I have also complained to the FTC. Sigh.

Collectors are scum, scum, scum, scum, scum, scum, scum.

Q: How do you know when a bill collector is lying?
A: His lips are moving.

Q: How many bill collectors does it take to screw in a light bulb?
A: Bill collectors only screw people who are hurting and desperate. They screw them hard, in the ass (if they don't like it there) and leave santorum all over the floor before they leave, staining the carpet, the sheets, and the stairs! They come back the next night, crawl in the window, and try to screw you again!

Uh.....sorry, I'm getting carried away.

Bill collectors rank slightly above pedophiles in my book, and about six miles lower than armed robbers.

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liberalhistorian Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-03 10:09 AM
Response to Reply #8
13. REPORT THAT COLLECTOR IMMEDIATELY!
Once you've notified them IN WRITING that they are not to contact you by phone, by law according to the Fair Debt Collection Act, they MUST comply! If they contact you by phone again after receiving your written notice not to do so, that's a criminal offense for which they and the scumball company they work for can be held responsible.

And they are NEVER supposed to threaten or harass or suggest that you kill yourself for insurance money, things like that. They receive a commission from each bill they collect, so that's why they're usually so ruthless.

They count on people not knowing any of this stuff and thinking that they HAVE to put up with the bullshit, but people DO NOT have to put up with it!!!! I would also advise the company you actually owe the bill to what their collection agency is up to, because they probably don't know and most companies don't really want their agencies to harass and threaten their customers, they want agencies that will comply with the Fair Debt Collection Act.

The medical collectors are the worst, even if you or a family member are on your deathbed with a terminal illness they don't give a shit, they'll force you to sell your home or file for bankruptcy. I recently posted a thread about that, my 54-year-old uncle is dying of cancer and my aunt is being constantly harassed by these motherfuckers for the medical bills. Like she's got nothing more important to deal with!!!
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southerngirlwriter Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-03 01:40 PM
Response to Reply #13
18. I notified the FTC
via the website, ftc.gov.

Thanks for the push. :-)
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ellie Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 09:16 PM
Response to Original message
6. That happened to me
The fraud occurred in 1995-96 and I didn't find out until late 1998, and mine was for over $500 too. That must be the cutoff. I had to produce bank statements that proved I wasn't living at this other address. Thank God I am a pack rat and don't throw anything away. After they investigate, you will get a letter from the phone company and they will take it off your credit report. But check it to make sure they do. Welcome to the wonderful world of identity theft.
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Gingersnap Donating Member (420 posts) Send PM | Profile | Ignore Thu Dec-04-03 11:14 PM
Response to Original message
9. That's awful
do you think you could use your 2000 tax form as proof of where you live?

Good luck.
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prolesunited Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 11:22 PM
Response to Original message
10. Happened to me with a $2,500
cell phone bill. How somebody could wrack up that many charges and they would let them is beyond me. Because they have your info, make sure you get credit reports and check through them carefully for any more "surprises."

Also, you can put a fraud alert on your name, which will prevent anyone from getting credit without a verification call to your home phone number.

Here's a really good site that takes you through everything
http://www.consumer.gov/idtheft/
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radwriter0555 Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-03 11:24 PM
Response to Original message
11. I had a guy buy a car with my credit info.... a $30K car!!!!
but it all got cleared up.... it's not that big a deal.
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Booberdawg Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-03 10:03 AM
Response to Original message
12. Hold on. This happened to me several years ago
Edited on Fri Dec-05-03 10:05 AM by Booberdawg
With some credit card checks I wrote and then my purse was stolen and I had to close the accounts. I went to the places I wrote the checks and paid them. 3 years later I got letters like you are talking about wanting to collect on the checks.

It's a scam. They didn't even spell Wisconson right - that's a hint. You don't have to prove anything. Tell them to prove it to YOU that you owe it. Also tell them that their pulling this 3 years after the charges were incurred has severely predjudiced your rights and defenses to contest the charges or to come up with proofs. Put the ball back in their court.

That's what I did. I got a call back from the guy and he shouted something at me about making me pay triple what he asked and I told him to shoot his best shot and he hung up on me. Never heard from him again. :D
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liberalhistorian Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-03 10:14 AM
Response to Reply #12
14. Isn't it ridiculous that when
something like that happens YOU are the one that has to do all the running around and proving, when THEY are the ones who should be proving to you that it's owed, and THEY are the ones who should have been more diligent in the first place?

When I was robbed in August and he took my ATM card and extracted the PIN# from me using the extremely effective technique of shoving a loaded gun in my neck, I called the bank right away, not more than fifteen minutes later, even before I gave my statement to the police. The next day, I found out that he'd managed to take out SEVEN HUNDRED DOLLARS in three transactions within just a few minutes of each other, when (a) you're not supposed to be able to take out more than 500 bucks within a 24-hour time period, and (b) this was FIVE HOURS AFTER I had reported it stolen and they assured me it was blocked! So I had to go to my bank branch that day and fill out an Affidavit of Unauthorized Electronic Transfer, and answer all kinds of bullshit questions that made it seem like I was the one at fault, then I had to do this, that, and the other thing, and I had to take a day off work just to do all of that running around! They then claimed that they had "no record" of my making a call the night before, and hadn't even blocked the fucking card yet!!!!!!! And yet, I WAS THE ONE who had to do all that shit, when it was their fault to begin with! And it took me almost a month to get my own fucking money back!!!!! :mad:
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Throckmorton Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-03 10:30 AM
Response to Reply #14
15. Thats what lawyers are for,
time for a few law suits.
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Booberdawg Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-03 02:30 PM
Response to Reply #14
19. I remember when that happened to you
Edited on Fri Dec-05-03 02:33 PM by Booberdawg
Nothing like making a trauma even worse by hitting you in your pocketbook at the same time.

In my case I don't know how this fella even GOT these old checks. I was an Iowa resident, wrote the checks in an adjoining city in Nebraska, he was calling from Illinois, and his letterhead was from Missouri????

:wtf:

I told him I thought that was fishy too. He wouldn't mail me copies of the checks either, but he finally agreed to fax copies to me. (afraid of mail fraud maybe???)

I finally told him to take a hike. I didn't owe the damn money anyway. 3 years later he's threatening to bring charges against me?? I had been at the same damn address the whole time and never once did anyone ever contact me about this?? Kiss my ass!! ... come and get me..... And I never heard from him again. I KNEW he was blowing smoke up my ass. :D
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liberalhistorian Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-03 07:07 PM
Response to Reply #19
20. They will, indeed, blow smoke up
your ass because they know that most people don't know the terms of the Fair Debt Collection Act, and they know that people think they have to put up with the bullshit. And usually people being bothered by collectors are in a bad or desperate situation anyway, and often don't have the energy to fight. Collectrolls know that, as well. And they always assume that you're in the wrong, even if there's been a mistake, and they make YOU jump through hoops to prove otherwise. :puke:
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PollyPurplePants Donating Member (6 posts) Send PM | Profile | Ignore Fri Dec-05-03 10:44 AM
Response to Original message
16. Debt Collectrolls!
Best of luck to you, friend. Oddly enough, I was reading about debt collectors ( :grr:) yesterday on the FTC site:

http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm

May be of some use to someone.

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liberalhistorian Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-03 10:51 AM
Response to Reply #16
17. Debt Collectrolls,
I love it! I think I'll use that term from now on, because that's exactly what they ALL are!
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