They’re Back!
Posted on September 13th, 2011 @ 7:21 pm

Ok, so the “process servers” (my ass!) that prompted my Don’t Treat Me Like I’m Stupid post called me again today.  This time, they used yet a third name, but a name nonetheless that has been listed in my prior research.  This time, as soon as “Amy” said who she was with, I laid it all on top of her that I knew the names were related, that I have told them not call me again, and that I wasn’t talking anymore.  I guess as she was trying to continue the script, I hung up.

Tomorrow, I will be calling the phone company to see what next I have to do for harassment complaints.  I’ve contacted a FDCPA lawyer, but since it’s a scam, a fat load of good that will do me.  I am keeping my own records of their calls and what has been said, or attempted to have been said to me.

The sad thing is with 2 of the names the used, they had the same return phone number!  And with 1 of those names and the new one tonight, they have the same website.

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Life · Scam Alert

“Where were you when the world stopped turning on that September day?”
Posted on September 11th, 2011 @ 3:49 pm

Where were you when the world stopped turning on that September day?
“Where were you when the world stopped turning on that September day?” by peachy92

For 2010 and 2011, I have been doing a Project 365. It’s where I take a photo a day for a whole year. I knew today would be a hard day to photograph something.

Today is the 10th anniversary of the most horrific act of violence I have seen take place in the United States in my 32 years of life.

To make a long story short, I was at work when I got news. My friend, Tammy, broke the news to me via e-mails. We at the office rigged up a small black and white TV in time to see both towers burn before they fell. We were all numb. I ended up leaving work early that day.

On my way home, I stopped by Publix. I had never heard that store as quite as I did that day. In the checkout line, I saw a flag. My first impulse at seeing it, I wanted to grabbed the flag and hold it. I saw it as a sign of comfort. I didn’t buy it, because I worried how my mother would react. Later, I learned she would have bought it if she were me.

Ten years later, I see how much I have and haven’t changed since that horrible day.

I couldn’t decided what type of photo to take for today. If I took something happy, it would seem like I didn’t care. If I took something somber, I felt like I would let the horror and grief the mofo terrorists wanted us to feel win over. I refuse to let them win.

This is flag is on my Old Navy 2011 4th of July shirt. I was putting it on to wear today because it’s comfortable. That’s when it hit me that the flag was the perfect photo for today. It invoked the memories of today, yet at the same time, reminded me of the strength found in the resolve of Americans.

Ever since that day, I live by a motto I heard in all places, the movie Galaxy Quest: “Never give up! Never surrender!” I try not to give up and I refuse to surrender. As it stands, I have been enjoying my football game, my cats, and just yesterday, Nicki and I went to Rock City.  It was a beautiful day yesterday and we were going to enjoy it, by God!  And I think we all need to do that – tell our evils to go jerk off and enjoy life.

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Family · Flickr Photos · Life

Don’t Treat Me Like I’m Stupid
Posted on September 8th, 2011 @ 11:46 pm

This is a video related to the debt collector, or now as I see them, scammers:

Link to original story: Unscrupulous Debt Collectors

Seems their MO is to call relatives first to get the relatives in a panic. The trick then depends on the panicked relatives to talk the mark into calling back and settling the debt.  They tell the relatives that they are about file a lawsuit on the mark.

You see, they called me as the relative to get into a panic.  Problem was, my sister answered the phone and did get into a panic.  She called me to ask what was going on and that a lawsuit was threatened.

I was the wrong mark to call.  You see, when I was younger, I worked for a bankruptcy attorney.  As a result, I learned the basics of the Fair Debt Collection Practices Act (FDCPA).  The lawsuit that was threatened?  Not really a big deal.  Wages can be garnished; bank accounts frozen, but no one is going to jail. It’s not the worst thing in the world.  So, after I spoke to my panicked sister, I took the phone number and started some research.

I called the number.  They gave me a name and a website.  That was enough.  I started research the name and came across this website entry: Fake Process Servers Work Hard to Scare Money Out of Consumers.  And the information provided in this one entry was enough for me to feel as if I was was being used as a pawn in a scam. Once I relayed the information to my sister, she calmed down.

I thought when this originally happened, that would be the end of it.  No, it hasn’t.  They called me two other times.  Both of those times, I told them to send on the paperwork, but I knew the case file number they were claming to lawsuit was not a legitimate case number in my state in the two possible counties it could be in.  I got irate with the callers, even screaming at them.  At this point, I don’t care.

If they really were collecting a debt, then they are violating the FDCPA.  Most reputable debt collectors know when you mention that act, they need to shut up.  Violating that act could mean a lawsuit and them having to pay me $1,000.00  They are in the business of making money, not losing money.  This outfit that called me didn’t seem to give a crap.  And also, other information they provided to me, did not ad up.

I called an old friend from my bankruptcy days.  She’s still in the business and had never heard of them.  In that industry, you know the major players by name.  I still can still recognize a creditor to this day just by return address when I get credit card offer.  If neither one of us had heard of these people, then of course I need to be a little weary.

But after seeing the above website and news article, I am furious that such a scam is occurring.  And sadly, there are people out there that aren’t aware of the protections the FDCPA provides them.  So, not that many people will read this post, but I want to spread the word.  You do not need to be afraid of a debt collector.  There is a law that provides you protections and comfort.  A decent debt collector will obey the law in pursuit of the debt.  They are not going to risk a $1,000.00 violation.

Even if you aren’t in debt, get to know the law.  It may save the sanity of someone you love.

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Life · Scam Alert

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