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I had a collection of Federal Pacific Credit Reporting, I searched and did not find them where lic. or bonded to collect in Texas. I delete them after filing a complaint with the FTC, both of AG's and BBB.
SO fast-forward several months later, I get this letter today ooh Laurence Hecker lawyer!
It they appear in the order of the Federal Pacific collects. So now what? DV
Who this guy to mail letters that say: “Dear scumbag” I can really open
ETA? SOL and CRTP both past.
I once had more than a CA on this same account .
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Reply:sue the bastard….
record any and all calls (if legal in your state) and don't put up with it anymore
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Reply: Funny I just got a letter from him today too. I had to deal with this scumbag back is 9/2005. His employees like to call your neighbors and harass them too. He/his ex-con workers will really do anything. They never sent me any letters and started calling my parents house, treating them like crap and then starting calling my neighbors… When I called for an address to send "paperwork" to them they would not give me the address. I DV and limited C&D them and now I got another letter , possible the same letter you got.. They are trying to collect for something from 1999. I think 7 years is SC limit.. From what I have seen he doesn't report, he just bugs the crap out of you and makes you look really bad…
I still have my return green slip from last time I sent him a letter, but guess I will just send another one.
Hope he gets sued again…
Send him a limited C&D and pretty much forget about it if it is oul of SOL…
I sent a DV out CMRRR. Another thing I noticed, was his letter was dated Dec 28, and I did not receive it until Jan 21. No time stamp on the envelope either, I guess he holds the dunning letter until the last second of the 30 day window I would have to send a DV to him.
Im not worried about him, or his gimmicks. They have not called here yet, if they do I know their threats are empty. Now may be the time to invest in a tape recorder, but I usually duck any CA on the phone.
If I was smart, like Pryan, or Dolemite I would try to nail them on everything I could.
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Reply:Funny I just got a letter from him today too. I had to deal with this scumbag back is 9/2005. His employees like to call your neighbors and harass them too. He/his ex-con workers will really do anything. They never sent me any letters and started calling my parents house, treating them like crap and then starting calling my neighbors… When I called for an address to send "paperwork" to them they would not give me the address. I DV and limited C&D them and now I got another letter , possible the same letter you got.. They are trying to collect for something from 1999. I think 7 years is SC limit.. From what I have seen he doesn't report, he just bugs the crap out of you and makes you look really bad…
I still have my return green slip from last time I sent him a letter, but guess I will just send another one.
Hope he gets sued again…
Send him a limited C&D and pretty much forget about it if it is oul of SOL…
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Reply:he technically could report it….until 2/09
use TFC to your advantage
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Reply: really? That's surprising…he usually doesn't bother obeying the law….
I wonder if it would matter that his "client" doesn't have one…since he's collecting for them…is that allowed since he's acting as their agent?
as for the SOL, it SHOULD fall off 2/09…but technically it would be 8/09
is he threatening suit? Remember, you have TFC in your favor
Something you said earlier, I have been kicking around today. The bond issue, the CA was not bonded to collect in Texas, but that would not have stopped the CA from being able to OWN the debt. I highly doubt they owned it. Remember, at one time I had 3 CA trying to collect on this debt at the same time. So aside from the OC, this is the 4th company in line to collect on this thing.
The CA he is collecting for was supposed to drop off my reports in 2/09! That is how I came up with the DOFD of 2/2002.
With that being said, I don't think this guy can report to CRA's legally.
Is he threatening suit?
QUOTE At this time no attorney with this firm has personally reviewed the particular circumstances of your account. However if you decide not to contact this office, our client may consider all available remedies to recover on the balance due, which may include an attorney review of your account.
This debt is past the sol for litigation, Texas is 4 years. I think I could probably get away with sending a FOAD to them.
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Reply:He may be licensed as a debt collector, but not licensed to practice law in TX. Check with the State Bar website.
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Reply:really? That's surprising…he usually doesn't bother obeying the law….
I wonder if it would matter that his "client" doesn't have one…since he's collecting for them…is that allowed since he's acting as their agent?
as for the SOL, it SHOULD fall off 2/09…but technically it would be 8/09
is he threatening suit? Remember, you have TFC in your favor
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Reply: Funny, I too received a letter from Laurence Hecker today. I Googled him and found this site. There are many posts…he can not sue outside of New Jersey? It seems he has had numerous address as well.
What is the best site to see my credit report?
I would say directly from each CRA; Equifax, Transunion, and Experian.
Well, guy to my surprise, Hecker actually has a bond posted in Texas.
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Reply: I would inform them of the disputed nature of the alleged debt, as well as the fact that their client (and therefore themselves IMO) are not licensed to collect in your state, as they're well aware….and that since the SOL and reporting period have both passed, that they can take their claims…fold it up until it's all sharp points, and stick it where the sun don't shine…I would further tell them that ANY further collection attempts on this alleged debt, which is and has been in dispute will be met with an immediate lawsuit
This is what I need to read! I am going to check my states SOS database for them and start typing up a letter. I will post it if you guys wouldn't mind helping me out with wording. (Half-wit here.)
Also, since the debt WAS disputed through the CRA, and was deleted, not to mention the complaints I filed on them with FTC, BBB, and mine and their states AG, this attorney cannot collect on it since it was never verified or validated? Sounds like some good grounds for me.
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Reply: Is this what I have to look forward to for the rest of my days? This debt being passed around?
It's pretty common practice, actually. And it may be quasi-legal. How old is the alleged debt, and what state are you in, for starters?
DOFD is 2/2002. State is Texas.
So the CRTP is about to run out. (I'm sorry, I thought it had been longer.) Unless if they are a CA they can report for 7.5 years?
I have 3 reports saved from 6/2008. This was before I started cleaning all my crap up. At one time, Federal Pacific, Global Acceptance, and Arrow Financial all had a negative TL on my reports, for this one debt. I was able to get everyone of them to Delete. The dollar amount differed between each from $3374 to $5900.
Seriously, I was so far down, I gave up and did not think about credit for years. I was uninformed and knew not what to do about it.
Reply:Funny, I too received a letter from Laurence Hecker today. I Googled him and found this site. There are many posts…he can not sue outside of New Jersey? It seems he has had numerous address as well.
What is the best site to see my credit report?
Reply:I would inform them of the disputed nature of the alleged debt, as well as the fact that their client (and therefore themselves IMO) are not licensed to collect in your state, as they're well aware….and that since the SOL and reporting period have both passed, that they can take their claims…fold it up until it's all sharp points, and stick it where the sun don't shine…I would further tell them that ANY further collection attempts on this alleged debt, which is and has been in dispute will be met with an immediate lawsuit
Reply: Is this what I have to look forward to for the rest of my days? This debt being passed around?
It's pretty common practice, actually. And it may be quasi-legal. How old is the alleged debt, and what state are you in, for starters?
Reply:Is this what I have to look forward to for the rest of my days? This debt being passed around?
Reply:I would send out a DV ASAP, but I would certainly avoid the "Dear Scumbag" opening. I always go with "To whom it may concern," it's neutral, non-threatening, professional and really just what you ought to do. Save the editorializing for FOAD letters
ETA: Nevermind, I see that was covered. If FOAD is your intention, and you're ABSOLUTELY POSITIVE it's in order, "Dear Scumbag" works as well as anything.
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Posted by admin on April 23rd, 2011
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HOW IS IT LEGAL FOR CREDIT CARD COMPANIES AND OTHER LENDERS TO PROVIDE PERSONAL INFORMATION TO SCAVENGER DEBT COLLECTORS? AS I UNDERSTAND IT, THE SCAVENGERS CAN ACCESS YOUR INFORMATION TO BEGIN THE COLLECTION PROCESS FOR JUST PENNIES ON THE DOLLAR. ISN’T THE RISK BUILT IN TO THE HIGH RATES YOU PAY FOR CREDIT CARDS, AND HOW IS IT ETHICAL OR JUSTIFIABLE FOR THE SCAVENGER WHO HAS PAID $00.01 ON THE DOLLAR TO COLLECT THE FULL AMOUNT ISSUED BY THE PRIMARY CREDITOR AND KEEP IT ALL? THE PRIMARY CREDITOR FOR EXAMPLE, LITERALLY SOLD THE WRITTEN OFF DEBT FOR $100.00, THE SCAVENGE COLLECTS $5000.00, PLUS FEES AND INTEREST. THEY CAN TAKE YOU TO COURT, CALL YOUR EMPLOYER, FRIENDS, NEIGHBORS, AND FAMILY MEMBERS TO EMBARRASS YOU. THEY CAN GARNISH YOUR WAGES AND PLACE LIENS ON YOUR PROPERTY. THAT’S IS THE SAME AS IF I FIND YOUR WALLET, PICK IT UP USING 1% OF MY ENERGY TO DO IT, AND CLAIM IT IS MINE BECAUSE I HAVE A 1% INTEREST FOR PICKING IT UP. WHO WRITES AND APPROVES THESE FINANCIAL LAWS? I WANT THEIR NAMES, AND JUST WHO IT IS THEY CLAIM TO REPRESENT!