god damnit Sprint is STILL trying to get $400 out of me for not returning my phone when I did and I have the reciept
fuck's sake
a collection's agency just called, I offered the guy $83 (which is what I actually owe sprint) and he said they can't do that. I asked him to provide written proof that I actually owe that money and he said he had no obligation to provide anything and if I didn't like it I could take them to court. This is what I need more shit on my credit report that's impossible to remove
bleegh
INFORM HIM THAT HE IS IN VIOLATION OF THE FAIR DEBTS COLLECTION PRACTICES ACT AND THAT EACH VIOLATION HENCEFORTH SHALL BE A FINE IN YOUR FAVOR FOR $1000. EACH VIOLATION. EVERY SINGLE ONE.
Going forward, he needs to provide you with written proof that the debt is valid, and, you should, inform him that he is no longer allowed to contact you by phone.
Well he might be violating the law but what can I do about it? I've only gotten one call with one guy who refused to work with me (I even offered to pay more than what I actually owed) he wasn't interested in talking to me
He seemed far more interested in putting a black mark on my credit report than resolving the debt
Keep a running log and cross reference to your phone bill's logs. Then, file a claim in small claims court or get a lawyer involved because sometimes they do this 10 times.
They don't get to go "okay well it'll take a 48 hours to remove you from our system" "okay well that's still $1000 per call."
See having been going through some issues with bankruptcy this was an issue for me too. They stop calling when you threaten to take them to court for 100x's what you owe them.
not a doctor, not a lawyer, examples I use may not be fully researched so don't take out of context plz, don't @ me
It's pretty cut and dry if you've kept a phone log and have a phone bill referencing their calls. Like, you show up, show the judge, and they bang their gavel and you're done.
not a doctor, not a lawyer, examples I use may not be fully researched so don't take out of context plz, don't @ me
I've called Sprint twice, both times they've agreed with me and said they'd mail me an updated bill and failed to do so, now I guess a collection agency has it
thing is I know I can make them go away by having them stop calling but I'm trying to buy a car, I need to get this shit off my credit report
I have a bank statement showing sprint refund me $105 for returning the phone and a receipt (partially faded, date and amount still visible)
override367 on
0
TTODewbackPuts the drawl in ya'llI think I'm in HellRegistered Userregular
god damnit Sprint is STILL trying to get $400 out of me for not returning my phone when I did and I have the reciept
fuck's sake
a collection's agency just called, I offered the guy $83 (which is what I actually owe sprint) and he said they can't do that. I asked him to provide written proof that I actually owe that money and he said he had no obligation to provide anything and if I didn't like it I could take them to court. This is what I need more shit on my credit report that's impossible to remove
bleegh
INFORM HIM THAT HE IS IN VIOLATION OF THE FAIR DEBTS COLLECTION PRACTICES ACT AND THAT EACH VIOLATION HENCEFORTH SHALL BE A FINE IN YOUR FAVOR FOR $1000. EACH VIOLATION. EVERY SINGLE ONE.
Going forward, he needs to provide you with written proof that the debt is valid, and, you should, inform him that he is no longer allowed to contact you by phone.
Well he might be violating the law but what can I do about it? I've only gotten one call with one guy who refused to work with me (I even offered to pay more than what I actually owed) he wasn't interested in talking to me
He seemed far more interested in putting a black mark on my credit report than resolving the debt, so now I have to send a dispute to the credit bureau and wait 90 days ugh
Hit the gym
Lawyer Up.
Use Protection
Bless your heart.
+1
Podlyyou unzipped me! it's all coming back! i don't like it!Registered Userregular
Internet promotion can be infuriating. I sent The Black Dog, a really big act, a promo and they liked it but didn't contact me back when that's the whole point of a promo, and Brendon Moeller, a huuuuge name with like 25k followers on soundcloud, pimped my link a few days ago with no tangible results.
But some novelty song can take off like ... like a god damn VIRUS
god damnit Sprint is STILL trying to get $400 out of me for not returning my phone when I did and I have the reciept
fuck's sake
a collection's agency just called, I offered the guy $83 (which is what I actually owe sprint) and he said they can't do that. I asked him to provide written proof that I actually owe that money and he said he had no obligation to provide anything and if I didn't like it I could take them to court. This is what I need more shit on my credit report that's impossible to remove
bleegh
INFORM HIM THAT HE IS IN VIOLATION OF THE FAIR DEBTS COLLECTION PRACTICES ACT AND THAT EACH VIOLATION HENCEFORTH SHALL BE A FINE IN YOUR FAVOR FOR $1000. EACH VIOLATION. EVERY SINGLE ONE.
Going forward, he needs to provide you with written proof that the debt is valid, and, you should, inform him that he is no longer allowed to contact you by phone.
Well he might be violating the law but what can I do about it? I've only gotten one call with one guy who refused to work with me (I even offered to pay more than what I actually owed) he wasn't interested in talking to me
He seemed far more interested in putting a black mark on my credit report than resolving the debt, so now I have to send a dispute to the credit bureau and wait 90 days ugh
Hit the gym
Lawyer Up.
Use Protection
he said he'd take $225, it's not worth missing work for $140 (the disputed amount), but I mean he spent zero effort trying to get me to pay. frankly the guy was just bad at his job as a collections agent, since their job is typically to like collect
0
TTODewbackPuts the drawl in ya'llI think I'm in HellRegistered Userregular
Internet promotion can be infuriating. I sent The Black Dog, a really big act, a promo and they liked it but didn't contact me back when that's the whole point of a promo, and Brendon Moeller, a huuuuge name with like 25k followers on soundcloud, pimped my link a few days ago with no tangible results.
But some novelty song can take off like ... like a god damn VIRUS
That's...That it! EUREKA!
Encode one of your pieces into a highly contagious virus such as the flu..and..
PROFIT
god damnit Sprint is STILL trying to get $400 out of me for not returning my phone when I did and I have the reciept
fuck's sake
a collection's agency just called, I offered the guy $83 (which is what I actually owe sprint) and he said they can't do that. I asked him to provide written proof that I actually owe that money and he said he had no obligation to provide anything and if I didn't like it I could take them to court. This is what I need more shit on my credit report that's impossible to remove
bleegh
INFORM HIM THAT HE IS IN VIOLATION OF THE FAIR DEBTS COLLECTION PRACTICES ACT AND THAT EACH VIOLATION HENCEFORTH SHALL BE A FINE IN YOUR FAVOR FOR $1000. EACH VIOLATION. EVERY SINGLE ONE.
Going forward, he needs to provide you with written proof that the debt is valid, and, you should, inform him that he is no longer allowed to contact you by phone.
Well he might be violating the law but what can I do about it? I've only gotten one call with one guy who refused to work with me (I even offered to pay more than what I actually owed) he wasn't interested in talking to me
He seemed far more interested in putting a black mark on my credit report than resolving the debt, so now I have to send a dispute to the credit bureau and wait 90 days ugh
Hit the gym
Lawyer Up.
Use Protection
he said he'd take $225, it's not worth missing work for $140 (the disputed amount), but I mean he spent zero effort trying to get me to pay. frankly the guy was just bad at his job as a collections agent, since their job is typically to like collect
extortion.jpg
0
cptruggedI think it has something to do with free will.Registered Userregular
Woooo yeah. Three day week. Staycation here I come. Just got to get to humpday.
0
TTODewbackPuts the drawl in ya'llI think I'm in HellRegistered Userregular
Yes and him being bad at his job can cost his company $1000 every time he fucks up.
So basically if anyone bothered to report it he'd be looking for a new job already
Mistaken debt collectors are awfully hard to shake off unless their employer assists. Badgering Sprint everyday till something positive happens might work
for some reason i've been dropped from my programming class for 'never attended'
despite my having attended every time o_o
and despite my professor saying he hasn't even sent over the semester attendance benchmark
him: this doesn't make sense
the lady at records and registration: this doesn't make sense, come back and see a manager in about an hour
now i have to run around and take care of this and hope it doesn't interfere with me accessing/submitting the files i need for this incredibly online-heavy class
Mistaken debt collectors are awfully hard to shake off unless their employer assists. Badgering Sprint everyday till something positive happens might work
the US has this practice of companies selling the debts to debt collectors, so the employer might not even be sprint any more
Don't worry Jeep, when we teach our students English the curriculum dictates that we call soccer soccer.
Watching the European JETs have to teach it as soccer makes up for any silly handegg nonsense.
:P
First Japan, then the world!
I assume it is similar in other English programs around the world, mostly because they like to teach American English because generally in terms of business it is the most useful, and you have to settle on one standard anyway, and, might as well go for the country with the most influence.
I have to admit I do feel bad for the students that get stuck with, like, the Irish ALT that has a really thick accent to the point that some native speakers have a hard time understanding her. I have to scratch my head at decisions like that. She is a sweet girl and all but I don't see why she got a job teaching English.
Anyway, it is late and I need to get to bed so goodnight chat!
Maybe because she is a native english speaker? I'm surprised they are having a hard time understanding her, shouldn't they just be learning an Irish accent instead?
A Polish friend of a friend moved to Ireland and learnt english there, she has the most amazing accent on her english now.
Irish is not very easy to understand for people who don't even know english, and no, them learning an irish accent would be a bad idea. Because then their english would be different from everybody elses.
I meant as in, if you don't know english every accent is equally difficult to learn.
In this moment, I am euphoric. Not because of any phony god’s blessing. But because, I am enlightened by my intelligence.
for some reason i've been dropped from my programming class for 'never attended'
despite my having attended every time o_o
and despite my professor saying he hasn't even sent over the semester attendance benchmark
him: this doesn't make sense
the lady at records and registration: this doesn't make sense, come back and see a manager in about an hour
now i have to run around and take care of this and hope it doesn't interfere with me accessing/submitting the files i need for this incredibly online-heavy class
even though you're present, your contribution is so minuscule that
0
Podlyyou unzipped me! it's all coming back! i don't like it!Registered Userregular
[chat], I am honored to present you
YOUR CONTEMPORARY UNITED STATES OF AMERICA, LADIES AND GENTLEMEN
god damnit Sprint is STILL trying to get $400 out of me for not returning my phone when I did and I have the reciept
fuck's sake
a collection's agency just called, I offered the guy $83 (which is what I actually owe sprint) and he said they can't do that. I asked him to provide written proof that I actually owe that money and he said he had no obligation to provide anything and if I didn't like it I could take them to court. This is what I need more shit on my credit report that's impossible to remove
bleegh
INFORM HIM THAT HE IS IN VIOLATION OF THE FAIR DEBTS COLLECTION PRACTICES ACT AND THAT EACH VIOLATION HENCEFORTH SHALL BE A FINE IN YOUR FAVOR FOR $1000. EACH VIOLATION. EVERY SINGLE ONE.
Going forward, he needs to provide you with written proof that the debt is valid, and, you should, inform him that he is no longer allowed to contact you by phone.
Well he might be violating the law but what can I do about it? I've only gotten one call with one guy who refused to work with me (I even offered to pay more than what I actually owed) he wasn't interested in talking to me
He seemed far more interested in putting a black mark on my credit report than resolving the debt, so now I have to send a dispute to the credit bureau and wait 90 days ugh
Hit the gym
Lawyer Up.
Use Protection
he said he'd take $225, it's not worth missing work for $140 (the disputed amount), but I mean he spent zero effort trying to get me to pay. frankly the guy was just bad at his job as a collections agent, since their job is typically to like collect
Write them a certified letter right the fuck now asking for documentation that you owe the debt. They have to respond or the debt goes poof and they get their ass kicked if they touch your credit report.
Here's the thing, they buy that debt for pennies on the dollar.
So $83 nets them about $50 in profit probably.
Say "Either you can send me a final bill for $83, and it must state this settles the collection, or you don't get it, or, you must prove the debt is valid and contact me only by mail. If you fail to do these, you are in violation of the FDCPA and each violation is $1000 in my favor. I am keeping a running log from this point forward."
My lawyer was a huge asshole to these guys, but he was totally worth that $1100.
bowen on
not a doctor, not a lawyer, examples I use may not be fully researched so don't take out of context plz, don't @ me
0
CindersWhose sails were black when it was windyRegistered Userregular
Don't worry Jeep, when we teach our students English the curriculum dictates that we call soccer soccer.
Watching the European JETs have to teach it as soccer makes up for any silly handegg nonsense.
:P
First Japan, then the world!
I assume it is similar in other English programs around the world, mostly because they like to teach American English because generally in terms of business it is the most useful, and you have to settle on one standard anyway, and, might as well go for the country with the most influence.
I have to admit I do feel bad for the students that get stuck with, like, the Irish ALT that has a really thick accent to the point that some native speakers have a hard time understanding her. I have to scratch my head at decisions like that. She is a sweet girl and all but I don't see why she got a job teaching English.
Anyway, it is late and I need to get to bed so goodnight chat!
Maybe because she is a native english speaker? I'm surprised they are having a hard time understanding her, shouldn't they just be learning an Irish accent instead?
A Polish friend of a friend moved to Ireland and learnt english there, she has the most amazing accent on her english now.
Irish is not very easy to understand for people who don't even know english, and no, them learning an irish accent would be a bad idea. Because then their english would be different from everybody elses.
I meant as in, if you don't know english every accent is equally difficult to learn.
well, yeah, in principle. But in reality you get english from a lot of places but your english teacher.
Hence why norwegians have either a generic american-but-not sounding accent, a horrible norwegian one, or a very posh english one.
Here's the thing, they buy that debt for pennies on the dollar.
So $83 nets them about $50 in profit probably.
Say "Either you can send me a final bill for $83, and it must state this settles the collection, or you don't get it, or, you must prove the debt is valid and contact me only by mail. If you fail to do these, you are in violation of the FDCPA and each violation is $1000 in my favor. I am keeping a running log from this point forward."
My lawyer was a huge asshole to these guys, but he was totally worth that $1100.
For large firms like Sprint they probably don't sell the debt, but just contract out some lawyers to collect on their behalf.
I ate like a fucking pig last night and blew through half my weekly overage points
eek
If it makes you feel any better I went over on my calorie limit on alcohol alone last night.
And I also munched on some fried Wickles and sauteed crab claws.
Here's the thing, they buy that debt for pennies on the dollar.
So $83 nets them about $50 in profit probably.
Say "Either you can send me a final bill for $83, and it must state this settles the collection, or you don't get it, or, you must prove the debt is valid and contact me only by mail. If you fail to do these, you are in violation of the FDCPA and each violation is $1000 in my favor. I am keeping a running log from this point forward."
My lawyer was a huge asshole to these guys, but he was totally worth that $1100.
For large firms like Sprint they probably don't sell the debt, but just contract out some lawyers to collect on their behalf.
Or own a subsidiary company that they "sell it too" for tax write off purposes. Like Sallie Mae! Such a racket.
Sallie mae takes out federally ensured debt, does shitty things and doesn't work with the student, student defaults, government pays out the guarantee, sallie mae sells off the loan to their daughter collections company, writes off the bad debt for taxes, though still has to claim the government payout as income (but they lost interest so they can claim that), and then the daughter company collects from the student because bankruptcy doesn't help with private loans, even though apparently private loans are still guaranteed in some fashion (government insured for some reason?)
not a doctor, not a lawyer, examples I use may not be fully researched so don't take out of context plz, don't @ me
Posts
Keep a running log and cross reference to your phone bill's logs. Then, file a claim in small claims court or get a lawyer involved because sometimes they do this 10 times.
They don't get to go "okay well it'll take a 48 hours to remove you from our system" "okay well that's still $1000 per call."
See having been going through some issues with bankruptcy this was an issue for me too. They stop calling when you threaten to take them to court for 100x's what you owe them.
thing is I know I can make them go away by having them stop calling but I'm trying to buy a car, I need to get this shit off my credit report
I have a bank statement showing sprint refund me $105 for returning the phone and a receipt (partially faded, date and amount still visible)
Hit the gym
Lawyer Up.
Use Protection
But some novelty song can take off like ... like a god damn VIRUS
You can pretty much get a car with a 300 credit rating, by the way.
belief is awesome
i feel great
my legs do not
he said he'd take $225, it's not worth missing work for $140 (the disputed amount), but I mean he spent zero effort trying to get me to pay. frankly the guy was just bad at his job as a collections agent, since their job is typically to like collect
That's...That it! EUREKA!
Encode one of your pieces into a highly contagious virus such as the flu..and..
PROFIT
extortion.jpg
So basically if anyone bothered to report it he'd be looking for a new job already
for some reason i've been dropped from my programming class for 'never attended'
despite my having attended every time o_o
and despite my professor saying he hasn't even sent over the semester attendance benchmark
him: this doesn't make sense
the lady at records and registration: this doesn't make sense, come back and see a manager in about an hour
now i have to run around and take care of this and hope it doesn't interfere with me accessing/submitting the files i need for this incredibly online-heavy class
the US has this practice of companies selling the debts to debt collectors, so the employer might not even be sprint any more
even though you're present, your contribution is so minuscule that
YOUR CONTEMPORARY UNITED STATES OF AMERICA, LADIES AND GENTLEMEN
Write them a certified letter right the fuck now asking for documentation that you owe the debt. They have to respond or the debt goes poof and they get their ass kicked if they touch your credit report.
So $83 nets them about $50 in profit probably.
Say "Either you can send me a final bill for $83, and it must state this settles the collection, or you don't get it, or, you must prove the debt is valid and contact me only by mail. If you fail to do these, you are in violation of the FDCPA and each violation is $1000 in my favor. I am keeping a running log from this point forward."
My lawyer was a huge asshole to these guys, but he was totally worth that $1100.
everything everywhere was invented by the UK
then plagiarised and made better by other countries
this has been the way of things since time immemorial
are you ready
* bum bum bump bum dum da *
for the INAUGURAL ADDRESS
*whaaaa whaaaa yeaaaaah*
sponsored by PIZZA HUT
woo woo woo un un get it
well, yeah, in principle. But in reality you get english from a lot of places but your english teacher.
Hence why norwegians have either a generic american-but-not sounding accent, a horrible norwegian one, or a very posh english one.
we invented your language.
For large firms like Sprint they probably don't sell the debt, but just contract out some lawyers to collect on their behalf.
*weep*
NO, SKIPPY, NOW IS NOT THE TIME! THIS IS SERIOUS PROBLEMS [CHAT]!
yes
let's get our graph on
burn the Earth
salt the ground
we're done here
eek
?
I'm pretty sure you could find some 49ers SUPER BOWL CHAMPS shirts on the cheap.
If it makes you feel any better I went over on my calorie limit on alcohol alone last night.
And I also munched on some fried Wickles and sauteed crab claws.
and one of the other parents started talking to me about tattoos
this happens to me fairly often
for her next one, she said, she is going to get the four book covers of the twilight series on her back
lies
damn lies
Or own a subsidiary company that they "sell it too" for tax write off purposes. Like Sallie Mae! Such a racket.
Sallie mae takes out federally ensured debt, does shitty things and doesn't work with the student, student defaults, government pays out the guarantee, sallie mae sells off the loan to their daughter collections company, writes off the bad debt for taxes, though still has to claim the government payout as income (but they lost interest so they can claim that), and then the daughter company collects from the student because bankruptcy doesn't help with private loans, even though apparently private loans are still guaranteed in some fashion (government insured for some reason?)
fifty shades of ink