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Need good ideas on how to screw with scummy debt collectors

 
Anonymous Coward
User ID: 1383470
United States
05/14/2011 04:55 PM
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Need good ideas on how to screw with scummy debt collectors
First, I don't have now and never have had any unpaid debt, and have repeatedly told the DC to cease and desist.

So now I'm asking if the creative geniuses on GLP have ideas for messing with the DC's brain, if they continue to call.


Here's the tale...
Every day, some scumbag from a company named Nelson and Kennard, calls and won't identify himself as being a debt collector(FDCPA violation#1). He also won't identify the debt they believe that I owe (violation #2). He instead fishes for personal information, to which I laugh at him and tell him he's insane or stupid if he thinks I am going to tell him anything over the phone. I say, "put your request in the mail".

I told him that I wanted the contact info for his law firm's managing partner, his state bar ID, address, etc., so I could file a proper complaint. Surprise surprise, he dodged that request and would not tell me how to contact them formally.

So, I looked up Nelson and Kennard on the internet and just finished filing a bunch of complaints with the FTC, the state's Consumer Affairs Dept and the state Attorney General. These guys are scummy, looks like they already have a bunch suits against them for bad debt collection practices.

I am pretty sure that these douchebags bought some debt for a penny on the dollar and can't find the debtor. Now, they are phishing for the debtor by calling and fucking with everyone that shows up on a skip trace report. I used to help do PI work and for the hell of it, ran a skip trace on my name. It's about 50 pages long and I hate to think about how many of those people in the 50 pages of names & numbers are naive enough to fall for a debt collector's trix.
MetalQueerSolid

User ID: 1270568
United States
05/14/2011 05:03 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Give them the old hat speech
No need to panic. President Obama is monitoring the situation
X
User ID: 1373383
United States
05/14/2011 05:04 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Blow a whistle into the phone.
Anonymous Coward
User ID: 1349734
United States
05/14/2011 05:05 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Give them the old hat speech
 Quoting: MetalQueerSolid


What's that.
BadMoonRising

User ID: 727864
United Kingdom
05/14/2011 05:07 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Tell them to fuck off and stick the debt up their fat ass.
"What The HELL Is Going On?..."

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FinalCountdown

User ID: 1382197
United States
05/14/2011 05:09 PM
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Re: Need good ideas on how to screw with scummy debt collectors
how can a person run a skip trace on themselves? I'm really interested
"Women who seek equality with men lack ambition."
Anonymous Coward
User ID: 1270844
Canada
05/14/2011 05:09 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Give them the old hat speech
 Quoting: MetalQueerSolid


Spend $3 and create a Skype account. Set up a local phone number on this Skype account ( You can do this for free ). Set up the number so that it forwards to the local mental health clinic ( You can also do this for free ). Now every time they try to call you they'll reach the local mental health unit, or police station, or .... well, you decide where you want it to forward to; you could change it every day.
Anonymous Coward
User ID: 1378343
United States
05/14/2011 05:12 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Find out where they are located, as in the physical address of the place they are, send them a bill for something random, like unstopping a toilet, if they dont pay it put a lien on the building.
MetalQueerSolid

User ID: 1270568
United States
05/14/2011 05:18 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Give them the old hat speech
 Quoting: MetalQueerSolid


What's that.
 Quoting: Anonymous Coward 1349734


It goes like this,but you have to sound pissed
When they call you answer let them get half way thru the spill you then interrupt and say
"look we are in a economic down turn and if you call here again I'm taking your name out the hat"
most times they will get silent most will be a smart ass and ask "what hat"
then you reply
"look motherfucker you think you are the only one i owe,so what i do is when i get paid I put all you assholes into a HAT and i draw three names,and those are the ones i attempt to pay,so if you call here again your name is coming out the motherfucking hat and hang up"
they wont call because they think you're crazy or on the brink of it has about a 95% success rate
No need to panic. President Obama is monitoring the situation
Anonymous Coward
User ID: 1383139
United States
05/14/2011 05:18 PM
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Re: Need good ideas on how to screw with scummy debt collectors
If he calls again, trying to collect 'debt' money....

tell him that this 'debt' is "DISPUTED" and that he can never call again.

It is LAW that any debt that is "disputed" (USE THAT WORD) ...that "no third party' can intervene and that the debt collection returns to the original holder of such debt. (and they arn't going to do anything, that is why they sold it)


I have used this many times and it works perfectly. The Texas attorney general told me to do this!!
Anonymous Coward
User ID: 1382566
United States
05/14/2011 05:21 PM
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Re: Need good ideas on how to screw with scummy debt collectors
google the numbers they call from, there are plenty of crazy's who have posted the names and address of the employes at these places...they get real nervous when you know their personal info...I know someone who works at one of these scum bag places..they have alias because they get threats all the time..He cant even call his wife at work and ask for her by her real name...they will deny she works there even if it were the police in emergency...they have as much security as pentagon..lol...but if you google the numbers some ppl must have hired P.I.'s to get the info that's out there..
Anonymous Coward
User ID: 1368376
Canada
05/14/2011 05:22 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Blow a whistle into the phone.
 Quoting: X 1373383


lol
Anonymous Coward
User ID: 1383451
United States
05/14/2011 05:23 PM
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Re: Need good ideas on how to screw with scummy debt collectors
check out the glp ucc-1 thread \\

it tells all
Anonymous Coward
User ID: 1378635
United Kingdom
05/14/2011 05:25 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Do that thing that someone did a while back.

Pretend to be the cops investigating a murder scene and when they ring treat them like a suspect and ask them loads of awkward questions.
v0rtex666

User ID: 914496
United States
05/14/2011 05:28 PM
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Re: Need good ideas on how to screw with scummy debt collectors
I don't have any debt collectors calling, but I sure would love to fuck with them. Payday loan sharks too. Got to be a way to sabotage their business model.
Another day in eternity, basking in the reflected vortex of the chaotic light and the homogeneous metallic quantum foam.
Anonymous Coward
User ID: 1348215
United States
05/14/2011 05:41 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Do that thing that someone did a while back.

Pretend to be the cops investigating a murder scene and when they ring treat them like a suspect and ask them loads of awkward questions.
 Quoting: Anonymous Coward 1378635




You mean THIS guy???

Too funny!!!



[link to www.youtube.com]
Anonymous Coward
User ID: 1319482
United States
05/14/2011 05:47 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Do that thing that someone did a while back.

Pretend to be the cops investigating a murder scene and when they ring treat them like a suspect and ask them loads of awkward questions.
 Quoting: Anonymous Coward 1378635




You mean THIS guy???

Too funny!!!



[link to www.youtube.com]
 Quoting: Anonymous Coward 1348215


The best.
Anonymous Coward
User ID: 1378635
United Kingdom
05/14/2011 05:48 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Do that thing that someone did a while back.

Pretend to be the cops investigating a murder scene and when they ring treat them like a suspect and ask them loads of awkward questions.
 Quoting: Anonymous Coward 1378635




You mean THIS guy???

Too funny!!!



[link to www.youtube.com]
 Quoting: Anonymous Coward 1348215


Yeah that's the guy.... so funny.
Anonymous Coward
User ID: 1182997
United States
05/14/2011 05:49 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Threaten to sue if they contact you again without providing proof(your signature on a contract). Then DO IT.
Anonymous Coward
User ID: 1348215
United States
05/14/2011 05:55 PM
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Re: Need good ideas on how to screw with scummy debt collectors
bump
Anonymous Coward
User ID: 933188
United States
05/14/2011 05:58 PM
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Re: Need good ideas on how to screw with scummy debt collectors
First, I don't have now and never have had any unpaid debt, and have repeatedly told the DC to cease and desist.

So now I'm asking if the creative geniuses on GLP have ideas for messing with the DC's brain, if they continue to call.


Here's the tale...
Every day, some scumbag from a company named Nelson and Kennard, calls and won't identify himself as being a debt collector(FDCPA violation#1). He also won't identify the debt they believe that I owe (violation #2). He instead fishes for personal information, to which I laugh at him and tell him he's insane or stupid if he thinks I am going to tell him anything over the phone. I say, "put your request in the mail".

I told him that I wanted the contact info for his law firm's managing partner, his state bar ID, address, etc., so I could file a proper complaint. Surprise surprise, he dodged that request and would not tell me how to contact them formally.

So, I looked up Nelson and Kennard on the internet and just finished filing a bunch of complaints with the FTC, the state's Consumer Affairs Dept and the state Attorney General. These guys are scummy, looks like they already have a bunch suits against them for bad debt collection practices.

I am pretty sure that these douchebags bought some debt for a penny on the dollar and can't find the debtor. Now, they are phishing for the debtor by calling and fucking with everyone that shows up on a skip trace report. I used to help do PI work and for the hell of it, ran a skip trace on my name. It's about 50 pages long and I hate to think about how many of those people in the 50 pages of names & numbers are naive enough to fall for a debt collector's trix.
 Quoting: Anonymous Coward 1383470


Since the FCRA requires information providers (debt collectors) to accurately report information on a credit report, simply send them a "validation of debt" demand..this demand requires them to provide you with a certified copy of the original signed document.
If they fail to "validate" it then they must remove all reference to it from your credit file or face $1000 a day fines.

I've done it to many times and it works. Here's a generic form of the letter to send. Knowing the law and ALL of your rights granted within is a powerful weapon. I can assure you the idiot collector on the phone has never heard this before. When they call record the call or make the announcement before talking that the call is being recorded. There are thousands of attorneys that will collect that fine for you.


RE: Account #
CERTIFIED MAIL RETURN RECEIPT REQUESTED #

Dear creditor,

You are inaccurately and incompletely furnishing information regarding the above-referenced account to the CRA's in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

I dispute your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting.

Should you not be able or willing to provide me with the substantiating documentation as verification to cure this violation, within the next xx days, please have the information deleted from each of the CRA's you initially furnished it to or, alternatively, do not respond to the next dispute that I initiate through the CRA's

*******(or instead of the last sentence above: I will have no recourse but to consider legal action as a resolution)

Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information.

Sincerely,

Your name


Or you could use some version of this letter, depending on how strong you want to read and your intended follow-through, Or use this as a second letter for a better papertrail:


your name
address field 1
address field two

month day, year

name of original creditor
address field one
address field two

CERTIFIED MAIL RETURN RECEIPT REQUESTED #
RE: ACCOUNT NUMBER AS IT APPEARS ON YOUR REPORT

Dear OC:

You are inaccurately and incompletely furnishing negative information regarding the above-referenced account to the major CRA's in violation of the reporting requirements of the FCRA and for which you are responsible.

I have previously disputed the above-referenced account and its reported information with the consumer reporting agencies, without resolution.

I dispute your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting, including the required commencement of delinquency date, as verification of the information you have provided and its present reporting.

For your benefit and as a gesture of my goodwill, I have enclosed the FTC's required informational disclosure entitled, Credit Reports: What Information Furnishers need to know which defines and clarifies your responsibilities and potential liability as an information furnisher.

Should you not be able or willing to provide me with the substantiating documentation as verification of the present reporting, to cure these violations within the next 30 days, please have the information deleted from each of the consumer reporting agencies that you have furnished it to as required.

Should you again fail to fulfill your mandated duties and responsibilities, I will have no other recourse but to consider bringing legal action against Ford for its continued non-compliance and violation of the FCRA, under which is provided an individual cause of action for enforcing its provisions.

I expect final resolution of this matter within 30 days and look forward to receiving written confirmation of my request as well as written confirmation of Ford's intended actions.

Sincerely,

Your name
Anonymous Coward
User ID: 1363664
United States
05/14/2011 05:59 PM
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Re: Need good ideas on how to screw with scummy debt collectors
My phone company has enhanced call rejection. Most collection agencies and telemarketers have call centers that use toll calls to save money.


So I restrict all numbers coming from area codes 800, 855, 866, 877, and 888. Presto!

Then they will have to call you specifically long distance like from area code 212-555-1212 so what you do is program the caller rejection to the area code and 555 prefix. Some companies buy blocks of continuous numbers within a prefix so block'm. Presto, no more calls.
Anonymous Coward
User ID: 765966
United States
05/14/2011 06:00 PM
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Re: Need good ideas on how to screw with scummy debt collectors
hey -- why not pay them --

that would really blow their minds wouldn't it !!
Anonymous Coward
User ID: 1369981
United States
05/14/2011 06:03 PM
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Re: Need good ideas on how to screw with scummy debt collectors
You have to send a certified letter for your "cease and desist" statement to have any legal standing.

Beyond that, I would have fun with the guy. Tell him you're going to beat his ass because he's a little homosexual who likes to harass people. You can say whatever the hell you want to that piece of shit.

So have at it. I'd ask him for his number so that I could call his pathetic ass and verbally abuse him.
Anonymous Coward
User ID: 1383480
Australia
05/14/2011 06:15 PM
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Re: Need good ideas on how to screw with scummy debt collectors
I tell them that the request is based on someone elses opinion and is incorrect and it is up to them to prove it , not me.

I dont give them any information at all.

When they tell me that I will have a bad credit rating, I tell them that i have not had a good one for a few years now and unless I win lotto I will never have enough money to satisfy the credit companies anyway , so why would I care.
Anonymous Coward (OP)
User ID: 1383470
United States
05/14/2011 06:26 PM
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Re: Need good ideas on how to screw with scummy debt collectors
I luv the pretend cop thing, that is awesome. I have a friend who's a sheriff's deputy, wish he lived next door do I could just grab him when the douchebag calls.


The very first thing I said in my OP was that I don't owe anybody any money and never have. Yet, I knew some dumbshyte in his mom's basement would still say "why don't ya pay em?".iamwith

My last resort is to send them certified mail with a cease & desist. Especially since they won't disclose what they think I owe money for.

I have a very common name (think John Smith or Antonio Hernandez), so I had an investigator friend pull a skip trace report for my name. A few minutes later, we were printing off a huge stack of papers with tons of people with the same first and last name, and people who are somehow connected to someone with that name. That's how these douchebags work. The names and phone numbers go into a robodialer and they start phishing. I guess that's why they try to be evasive when you ask them questions, they do't really know who they're dealing with.
Anonymous Coward
User ID: 765966
United States
05/14/2011 06:30 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Yet, I knew some dumbshyte in his mom's basement would still say "why don't ya pay em?".iamwith
 Quoting: Anonymous Coward 1383470


nah man, in my living room, lived here since 1992 when i got married -- well for most of that time period anyways....
Anonymous Coward
User ID: 1067663
United States
05/14/2011 06:40 PM
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Re: Need good ideas on how to screw with scummy debt collectors
Tell them that you have to put them on hold, then play a really bad song into the phone for 45 seconds to one minute. Come back, speak to them for about fifteen seconds and put them on hold again and play the song again. Repeat until they hang up.
Anonymous Coward
User ID: 765966
United States
05/14/2011 09:10 PM
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Re: Need good ideas on how to screw with scummy debt collectors
maybe someone stole your identity....
Anonymous Coward
User ID: 6219386
United States
11/29/2011 03:49 AM
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Re: Need good ideas on how to screw with scummy debt collectors
You should have to work there! I did for many years! In the early years it was an honest business, but certain collectors started getting crafty and the "powers that be" started looking the other way. It's all about the money. If you truly owe the debt, negotiate for a much lower pay-off. If the collector is rude and pushy, refuse to deal with them and demand to speak with someone else. Beware! they will tell you they will transfer you to a "supervisor" but in actuality they just transfer you to one of their collection "partners." It's all a game to them and they "get off" wielding what they see as their brand of power! You can tell them to "cease and desist all calls" and by law they have to stop calling. If they continue to call, they need to be reported. Also be aware that they CANNOT call you until 30 DAYS AFTER you receive the DEMAND LETTER!
Anonymous Coward
User ID: 23827959
United States
09/15/2012 10:55 AM
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Re: Need good ideas on how to screw with scummy debt collectors
Tell them that you have to put them on hold, then play a really bad song into the phone for 45 seconds to one minute. Come back, speak to them for about fifteen seconds and put them on hold again and play the song again. Repeat until they hang up.
 Quoting: Anonymous Coward 1067663


hahaha thats what I do lol I tell them Im goin to get my wallet, put them on hold come back 5 minutes later and say oh, wait who did you say you were? oh ok hold on let me get my wallet....repeat lol

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