Do CA's, JDB, Others Lurk Here???
Posted 20 June 2012 - 02:45 AM
If these scum bags were to lurk here or even join and post, wouldn't they be required by law to notify the board that it "is an attempt to collect a debt, yadda, yadda, yadda"???
Posted 20 June 2012 - 06:18 AM
Posted 20 June 2012 - 08:08 AM
Posted 20 June 2012 - 10:38 AM
To me one of the best parts about CB is the pure fact that its all about being educated, if you know the federal and your states laws regarding debt and collections you are able to protect yourself. Consumers being educated is perfectly fair and not a whole lot they can do about it. Many times the CA's do depend on people lacking the knowledge and making knee jerk reactions out of fear or implied guilt, so in the end they have something to fear.
Sure there are some tricks and technicality's that are discussed here that can help in specific situations but its not like the CA's are unaware of this... I'm sure many times they know they did not respond to a CRA in-time or they know that they have to watch out for a dispute letter followed by cra dispute, its not like many of these ideas are brand new. Jack Attack, its their own damn fault for reporting information incorrectly if they always reported information 100% correct to the letter of the law this would not work near as well if at all.
One last thing, from what I've heard/read collection agencies tend to have pretty high turn over rates. So I think the fact that there is some level of constant rotation how many employees are really going to pursue this in their off time? Unless of course they are having the same issues, because in the end they are people and just because you work at a CA doesn't mean you have perfect debt history.
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