Archive for the ‘Law & Ethics’ Category
August 22nd, 2011 | 
Author: Spade Cat asked:
bill clinton didnt create the debt. the banks and the lobbyists did and then George Bush member of the skulls and bones club great grandson of Adolf Hitler’s personal banker. How on earth would cutting spending that we need that would cause millions of disable and elderly americans to lose benefits and most likely become homeless, help the country?
Jaimee Evens
bill clinton didnt create the debt. the banks and the lobbyists did and then George Bush member of the skulls and bones club great grandson of Adolf Hitler’s personal banker. How on earth would cutting spending that we need that would cause millions of disable and elderly americans to lose benefits and most likely become homeless, help the country?
Jaimee Evens
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rc asked:
Is it legal for hospitals to check credit scores, open credit cards, mortgage, etc. if a patient has bad debt? Also, does it violate HIPAA?? (This is not intended for my personal finances, so please do not be biased in your answer)
Rufus Valentin
Is it legal for hospitals to check credit scores, open credit cards, mortgage, etc. if a patient has bad debt? Also, does it violate HIPAA?? (This is not intended for my personal finances, so please do not be biased in your answer)
Rufus Valentin
abc asked:
We definitely do not owe this debt – it is a Bally Fitness scam being perpetrated by Asset Acceptance, extorting money from fraudulent, made up/concocted “debts”. We have contacted a lawyer to send a cease and desist letter on our behalf. QUESTION: How EFFECTIVE is a cease/desist letter from a lawyer? After all, it is not a court summons or police coming to your door – why should the collection agency care about a lawyer’s letter? What does it mean compared to our responding directly WITHOUT a lawyer? Please explain. Thanks (in the meanwhile avoid Bally Fitness as a gym – they do not respect personal privacy and tell lies/cheat to get you into contracts – even after contracts have ended they keep on hounding you to pay them debts. Bally Fitness should be closed down by FTC) We are also contacting BBB and FTC in this regard.
Debt is not valid because it is being sent in a name that is not mine. The contract we had ended 18 months ago (fully paid and signed under a different name). My question is not about checking the validity of our debt – I have read the fine print about that and know that I did not sign a contract under a different name. My specific question is – How important is a letter from lawyer COMPARED TO our communicating ourselves with the agency? I appreciate your time in answering this specific question.
I truly appreciate all your well-meaning and mostly helpful answers. I have already sent a letter through our lawyer (with all supporting documents proving the contract ended 18 months ago, the person they sent letter to does not live here etc.). My only question was whether the collection agency gives more weight to a lawyer’s letter versus a non-lawyer’s letter, and why exactly would it do so. I hope I am clearer about my question this time. Best regards.
Thanks once again. i am reading stuff on http://badbusinessbureau.com/ and http://budhibbs.com/ about these companies and I am amazed why Asset Acceptance is allowed to function with so many complaints against them (I mention these so others who read this may benefit). HEXELIEBE and COLLECTQUOTE have given the most useful answers so far, but before I choose one, one last stupid question – Asset Acceptance wants a response within 30 days from us else they will “assume” it is valid. QUESTION: (you can tell how clueless I am about these matters) Do we have to respond if our lawyer responds – I mean, they say I should respond, but our lawyer is responding – is it the same thing (please don’t respond as mamapie2u did, not answering the question and blaming the victim instead). THANK YOU SO MUCH!!!!
In direct answer to COLLECTQUOTE’s questions, let’s say the Bally contract was signed by John Smith (made up name to protect my online identity), it was fully paid a long time ago (18 months). The letter we are getting at our address is saying John Dough (YES they are sending to a different name at our address) owes them blah blah blah. I’dn’t be worried except that the first name and address are same and it could be used to mess with credit records. Looks like data fudging/data mining being used to extort money.
Jewel Kingery
We definitely do not owe this debt – it is a Bally Fitness scam being perpetrated by Asset Acceptance, extorting money from fraudulent, made up/concocted “debts”. We have contacted a lawyer to send a cease and desist letter on our behalf. QUESTION: How EFFECTIVE is a cease/desist letter from a lawyer? After all, it is not a court summons or police coming to your door – why should the collection agency care about a lawyer’s letter? What does it mean compared to our responding directly WITHOUT a lawyer? Please explain. Thanks (in the meanwhile avoid Bally Fitness as a gym – they do not respect personal privacy and tell lies/cheat to get you into contracts – even after contracts have ended they keep on hounding you to pay them debts. Bally Fitness should be closed down by FTC) We are also contacting BBB and FTC in this regard.
Debt is not valid because it is being sent in a name that is not mine. The contract we had ended 18 months ago (fully paid and signed under a different name). My question is not about checking the validity of our debt – I have read the fine print about that and know that I did not sign a contract under a different name. My specific question is – How important is a letter from lawyer COMPARED TO our communicating ourselves with the agency? I appreciate your time in answering this specific question.
I truly appreciate all your well-meaning and mostly helpful answers. I have already sent a letter through our lawyer (with all supporting documents proving the contract ended 18 months ago, the person they sent letter to does not live here etc.). My only question was whether the collection agency gives more weight to a lawyer’s letter versus a non-lawyer’s letter, and why exactly would it do so. I hope I am clearer about my question this time. Best regards.
Thanks once again. i am reading stuff on http://badbusinessbureau.com/ and http://budhibbs.com/ about these companies and I am amazed why Asset Acceptance is allowed to function with so many complaints against them (I mention these so others who read this may benefit). HEXELIEBE and COLLECTQUOTE have given the most useful answers so far, but before I choose one, one last stupid question – Asset Acceptance wants a response within 30 days from us else they will “assume” it is valid. QUESTION: (you can tell how clueless I am about these matters) Do we have to respond if our lawyer responds – I mean, they say I should respond, but our lawyer is responding – is it the same thing (please don’t respond as mamapie2u did, not answering the question and blaming the victim instead). THANK YOU SO MUCH!!!!
In direct answer to COLLECTQUOTE’s questions, let’s say the Bally contract was signed by John Smith (made up name to protect my online identity), it was fully paid a long time ago (18 months). The letter we are getting at our address is saying John Dough (YES they are sending to a different name at our address) owes them blah blah blah. I’dn’t be worried except that the first name and address are same and it could be used to mess with credit records. Looks like data fudging/data mining being used to extort money.
Jewel Kingery
Andreas asked:
My fiancee signed up for this online university called “Phoenix University” and ever since then we have been getting telemarketer calls from debt collection to sales representatives for magazines. I live at a motel and they’re calling the business line, how can I get these calls to stop?
P.S. I did read their privacy policy before posting this I am curious as to weather or not anyone else has had this experience
Sharon
My fiancee signed up for this online university called “Phoenix University” and ever since then we have been getting telemarketer calls from debt collection to sales representatives for magazines. I live at a motel and they’re calling the business line, how can I get these calls to stop?
P.S. I did read their privacy policy before posting this I am curious as to weather or not anyone else has had this experience
Sharon
Chainsaw asked:
The penitentiary system in this country was based on the idea of rehabiliation. One was expected to serve his time, and by doing such be presumed to have paid his debt to society. Yet, prejudice against those who have served time continues. Will people ever leave the previously incarcerated alone?
Rusty Klapp
The penitentiary system in this country was based on the idea of rehabiliation. One was expected to serve his time, and by doing such be presumed to have paid his debt to society. Yet, prejudice against those who have served time continues. Will people ever leave the previously incarcerated alone?
Rusty Klapp
mike asked:
If my 2000 truck is not on lean or used as collateral on any of my debt, can a company come and repo it if they were seeking legal action against me? Any info on this subject would be helpful thank you.
Reid Miggins
If my 2000 truck is not on lean or used as collateral on any of my debt, can a company come and repo it if they were seeking legal action against me? Any info on this subject would be helpful thank you.
Reid Miggins
Dclass asked:
My mom bought a filtering system (which by the way worked for two weeks) and since she owes them money they said If she doesn’t wire money through money gram they’ll come and take our personal stuff to take care of the debt? They never sent any court papers or anything. Does this sound legal??? What can we do???
Morgan Imdieke
My mom bought a filtering system (which by the way worked for two weeks) and since she owes them money they said If she doesn’t wire money through money gram they’ll come and take our personal stuff to take care of the debt? They never sent any court papers or anything. Does this sound legal??? What can we do???
Morgan Imdieke
alexagape asked:
I lost my business, home, etc and owe a lot of business and personal debt. I want to pay it in time but can’t afford to pay anything right now. The creditors are harassing me and so I need to file now because one has filed a judgment against me.
Rob
I lost my business, home, etc and owe a lot of business and personal debt. I want to pay it in time but can’t afford to pay anything right now. The creditors are harassing me and so I need to file now because one has filed a judgment against me.
Rob
shannon s asked:
If 2 people get married are they resdponsible for their own personal debts that were made prior to the marriage. Ex. I have a sears card that has been deliquent for years. My boyfriend claims if we tie the not he will have to pay all my prior bills. I am a college grad, kinda smart I hope, butare we not only responsible for the debts we create toghether? My boy thinks he will have to go back and pay any and all late bill or debt I ever had. I would never want or expect that. If you know the laws please help. Thank you
Prince Satoe
If 2 people get married are they resdponsible for their own personal debts that were made prior to the marriage. Ex. I have a sears card that has been deliquent for years. My boyfriend claims if we tie the not he will have to pay all my prior bills. I am a college grad, kinda smart I hope, butare we not only responsible for the debts we create toghether? My boy thinks he will have to go back and pay any and all late bill or debt I ever had. I would never want or expect that. If you know the laws please help. Thank you
Prince Satoe
jason j asked:
I cannot believe that people are required to pay like 4% of their balance for each statement. I think that is too low, no wonder people use their credit cards like its a debit card. I think the government wants people to buy things they do not need so that they can get more tax revenue since they know most people are not even going to pay back a quarter of their balance each month. I think it would be nice if the minimum balance was like 20-25% of your balance that way people would only use their credit cards for things they need but they cant afford right now and it would reduce personal debt. At the end of the day its up to the individual to responsible with their spending but the government isn’t helping by regulating such a low minimum payment.
Mohammad Mcwilliams
I cannot believe that people are required to pay like 4% of their balance for each statement. I think that is too low, no wonder people use their credit cards like its a debit card. I think the government wants people to buy things they do not need so that they can get more tax revenue since they know most people are not even going to pay back a quarter of their balance each month. I think it would be nice if the minimum balance was like 20-25% of your balance that way people would only use their credit cards for things they need but they cant afford right now and it would reduce personal debt. At the end of the day its up to the individual to responsible with their spending but the government isn’t helping by regulating such a low minimum payment.
Mohammad Mcwilliams