Legal question for anyone who knows - GoFuckYourself.com

Eriic · 03-31-2008, 02:40 PM

Is it illegal for a company to send you to collections without making reasonable contact or is it just unethical? . I never got a phone call, any mail or anything.

2checkout.com sent me straight to collections on a debt for a refund made in 2006, The worse thing is I don't even own the website the charge came from, but I use to.

baddog · 03-31-2008, 02:48 PM

glad to hear it

Eriic · 03-31-2008, 02:58 PM

Quote:

Originally Posted by baddog

glad to hear it

I was looking for an answer from someone with brains, you fall short

After Shock Media · 03-31-2008, 03:01 PM

Why should they have to warn you. Typically if someone did not pay a bill or whatever they should already know they owe someone.

You do however have your rights to dispute such a claim.

the Shemp · 03-31-2008, 03:03 PM

Quote:

Originally Posted by Eriic

Is it illegal for a company to send you to collections without making reasonable contact or is it just unethical? . I never got a phone call, any mail or anything.

2checkout.com sent me straight to collections on a debt for a refund made in 2006, The worse thing is I don't even own the website the charge came from, but I use to.

i dont see anything wrong with that..

Eriic · 03-31-2008, 03:12 PM

Quote:

Originally Posted by the Shemp

i dont see anything wrong with that..

So if you sold a site and someone else illegal accessed your account and made a charge that you got stuck with and knew nothing about, you would be fine with that

mrkris · 03-31-2008, 03:21 PM

Just so you know, you don't get a negative mark on your credit for being sent to collections. You get the negative mark when you refuse to pay after the 30~ day period.

Jenny S. · 03-31-2008, 04:54 PM

Not illegal. I had a jackass (from out of State, of course) sending me a collection notice for a telephone provider I never had a contract with. Bogus debt. Lots of companies do that hoping you won't dispute and the debt becomes established, so they can harass you and make you pay, because they threaten to ruin your credit over it. Proper procedure is:

- Dispute, explain in writing, asking them to stop contacting you. USPS-return receipt.

If they keep harassing have your attorney write them a letter, advising them to deal with the law firm from now on, which, in 99.9% of all cases will settle it.

If they are being assholes don't even try to threaten to report them to the State Attorney, they are most likely from out of State and don't give a shit. They might if you complain with the Feds ( FTC at ftc dot gov)

Barefootsies · 03-31-2008, 05:02 PM

Quote:

Originally Posted by After Shock Media

Why should they have to warn you. Typically if someone did not pay a bill or whatever they should already know they owe someone.

You do however have your rights to dispute such a claim.

Eriic · 03-31-2008, 05:29 PM

Quote:

Originally Posted by mrkris

Just so you know, you don't get a negative mark on your credit for being sent to collections. You get the negative mark when you refuse to pay after the 30~ day period.

I don't dispute it, I just don't like being sent directly to collections without common respect of contacting me directly.

StarkReality · 03-31-2008, 05:38 PM

Quote:

Originally Posted by Eriic

I don't dispute it, I just don't like being sent directly to collections without common respect of contacting me directly.

Yep, it's not a way to do business, but it's legal. It's all about cutting costs to a minimum and apparently it saves them enough money to compensate for the customers lost forever.

tony286 · 03-31-2008, 05:41 PM

how much are we talking about?

Eriic · 03-31-2008, 05:41 PM

Quote:

Originally Posted by StarkReality

Yep, it's not a way to do business, but it's legal. It's all about cutting costs to a minimum and apparently it saves them enough money to compensate for the customers lost forever.

Alot of truth in that! I sent many emails and finally told them to close the account and Go Fuck Themselves

/ It should not be legal cuz I sure would sue the Fuck out of them if I had a case.

quesadilla · 03-31-2008, 05:43 PM

HI LC you fuck wit

Eriic · 03-31-2008, 05:45 PM

Quote:

Originally Posted by quesadilla

HI LC you fuck wit

You think I'm Lawrence Connor

You are an ignorant fuck

amateur-skin · 03-31-2008, 05:50 PM

Quote:

Originally Posted by mrkris

Just so you know, you don't get a negative mark on your credit for being sent to collections. You get the negative mark when you refuse to pay after the 30~ day period.

I'm pretty sure he asked people who KNEW to respond, you dont.

This is a business debt, not a personal debt. so fair debt collection practices dont apply because you're not a consumer, you were acting as a business.

You have 30 days to reply and contest the debt and demand proof, i suggest you do. keep everything in writing, dont field phone calls.

i had a company try to collect $1400 on me from a closed merchant acct.
-they contact me in january, i tell them i dispute, want info
- dont hear from them for 9 months and this bitch calls up threatening a lawsuit if i dont pay by the end of the week, claiming she has the documents and wil send them (havent heard from her in 9 months)
-i email an entire transacript of our conversations, email, etc to her boss cc:her and her legal team gets involved due to her illegal threats of litigation

long story short its been 3 months and I have yet to hear lol.

good luck btw

amateur-skin · 03-31-2008, 05:52 PM

Oh and fewer than 30% of collections goes to trial, and thats only when theres a substantial ($5k+) debt involved.

Eriic · 03-31-2008, 05:57 PM

Quote:

Originally Posted by amateur-skin

Oh and fewer than 30% of collections goes to trial, and thats only when theres a substantial ($5k+) debt involved.

The money was nothing, I paid it! I just didn't like the whole situation.

But thanks anyway

03-31-2008, 02:40 PM	#1
Eriic So Fucking Banned Join Date: Jan 2008 Posts: 2,995	Legal question for anyone who knows Is it illegal for a company to send you to collections without making reasonable contact or is it just unethical? . I never got a phone call, any mail or anything. 2checkout.com sent me straight to collections on a debt for a refund made in 2006, The worse thing is I don't even own the website the charge came from, but I use to.

03-31-2008, 03:01 PM	#4
After Shock Media It's coming look busy Join Date: Mar 2001 Location: "Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn". Posts: 35,299	Why should they have to warn you. Typically if someone did not pay a bill or whatever they should already know they owe someone. You do however have your rights to dispute such a claim. __________________ [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

03-31-2008, 03:21 PM	#7
mrkris Confirmed User Join Date: May 2005 Posts: 2,737	Just so you know, you don't get a negative mark on your credit for being sent to collections. You get the negative mark when you refuse to pay after the 30~ day period. __________________ PHP-MySQL-Rails \| ICQ: 342500546

03-31-2008, 04:54 PM	#8
Jenny S. Confirmed User Join Date: Apr 2006 Location: Europe and SE US Posts: 582	Not illegal. I had a jackass (from out of State, of course) sending me a collection notice for a telephone provider I never had a contract with. Bogus debt. Lots of companies do that hoping you won't dispute and the debt becomes established, so they can harass you and make you pay, because they threaten to ruin your credit over it. Proper procedure is: - Dispute, explain in writing, asking them to stop contacting you. USPS-return receipt. If they keep harassing have your attorney write them a letter, advising them to deal with the law firm from now on, which, in 99.9% of all cases will settle it. If they are being assholes don't even try to threaten to report them to the State Attorney, they are most likely from out of State and don't give a shit. They might if you complain with the Feds ( FTC at ftc dot gov) __________________ Jenny Seemore Pornography is the bloody gladiator who stands guard over the First Amendment

03-31-2008, 05:52 PM	#17
amateur-skin Registered User Join Date: Mar 2008 Posts: 88	Oh and fewer than 30% of collections goes to trial, and thats only when theres a substantial ($5k+) debt involved. __________________ $100 Bonus @ AWEMPIRE - Free ePassporte & Payoneer Visa/MC Melissa Money - Converting at 1:100 for me! Mayor's Money - $40 PPS / 60% revs - converted at 1:40!! Dating Gold Up to $75 PPS Dating and $150 PPS for Cams!!

03-31-2008, 02:48 PM	#2
baddog So Fucking Banned Industry Role: Join Date: Apr 2001 Location: the beach, SoCal Posts: 107,089	glad to hear it

03-31-2008, 05:41 PM	#12
tony286 lurker Industry Role: Join Date: Aug 2002 Location: atlanta Posts: 57,021	how much are we talking about?

03-31-2008, 05:43 PM	#14
quesadilla Confirmed User Join Date: Oct 2007 Posts: 360	HI LC you fuck wit