against collector complaint debt file

Texas Nails Giant Debt Collector Courthouse News Service

11.07.11

     HOUSTON (CN) - After paying pennies on the dollar to acquire billions of dollars in debts, Encore Capital Group had employees robo-sign "thousands of false affidavits" to win default judgments against tens of thousands of Texans, the state attorney general says.
     Texas charged Encore and its subsidiaries Midland Funding and Midland Credit Management with "defrauding the Texas judicial system," and violating debt collection laws. All three defendants work out of a principal office in San Diego, Calif.
     "Defendants purchase large portfolios of consumer debts from issuers of consumer credit such as VISA, Mastercard, Bank of America, Bank One and Citibank, comprising millions of consumer accounts, such as credit card debts and defaulted auto loans and cellular phone plans," according to the complaint in Harris County Court.
     "Defendants pay pennies

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California Attorneys: Is There A Place To File A Complaint Against Debt Collectors?

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How can I file a complaint against this debt collector?

May 30, 2007 by financegal27 | Posted in Credit

I wanted to know how I could go about filing a complaint, and if I have a valid complaint to issue. About a month ago I recieved a letter from a law firm demanding payment for my condo fees. I had fallen 2 months behind due to a serious family illness. They wanted just over $800 which didn't make sense because my condo fees are just under $200 a month, so this amount was almost double what I owed. So I called them and asked for an a breakdown of the fees. They sent me a copy of a faxed ledger which was smudged & hard to read. I couldn't figure out how they were coming up with the total. So I called again and explained that it still didn't =$800. They never called me back. Yesterday I got a letter stating I now owed $1400 (its only been a month) & that a lein was placed on my house. I called back for an explanation and the attorney was biligerent towards me, called me stupid, etc.. When I said it didn't add up & I wanted to know the total legal fees, she said well it changes.
She then told me that they bill after the fact. I really had to press her for the information and she continued to essentially call me stupid during this exchange. I kept saying that I just want to resolve the issue and pay the bill but it wasn't adding up! Again I asked her about the legal fees. As it turns out the more time that past the higher the legal fees they charged. In one month the legal fees almost tripled! Now I understand why they never called me back or responded to my letter, it wasn't in their best interest to do so. She kept saying she wasn't obligated to give me anymore information that what I owed, she wasn't required to tell me the legal fees . That just doesn't seem right. I am sending them a check today just to remove the lein, but do I have a valid complaint for my treatment and the excessive legal fees. To put it in perspective. Of the $1400 owed more than 1/2 of that is legal fees.
acermill, before I purchased the property I was given the association documents, from the original agreements in 1980, after I closed I asked for the updated documents because the original had a pet policy that was not in line with what I was told. They refused to give me the documents unless I paid them $250, so I don't actually have the condo association bylaws and they will not provide me with them. : (
Navy Sailor - GAI if you read my entire question you would have noticed that I said that I did sent them a check, my question was not whether or not to pay them but whether or not I had a valid complaint about there conduct.

I would file a complaint with your state's attorney general office. I would also hire an attorney or seek out legal aid specifically someone who specializes in real estate law.

Vivian | May 30, 2007

You will need to check the bylaws of your condominium agreement. Since condo associations are generally run by the assorted owners of the properties, they are not 'for profit ventures'. Your bylaws may well include a clause allowing the association to collect past due association fees along with any legal expenses involved in collecting said fees. That would easily explain the upcharges they want from you.

This is another example of why it is important to phone creditors IN ADVANCE of such situations. Chances are that, had you informed the association of your hardship, it would have entered into an agreement with you for a repayment program. Your chances of that occurring now are slim to none, since legal fees have already been incurred on behalf of the association.

acermill | May 30, 2007

What a mess! I'd get a lawyer involved. This doesn't sound right at all.

fajitacita | May 30, 2007

You can do this yourself, go read up at www.creditboards.com and they have sample letters to start sending. Follow their method and they will either stop or you will have an easy case in small claims court.

vg55 v | May 30, 2007

they all called u stupid which we know your not. you can get a lawyer involved and sue them after the conflict has been resolved for mistreating you and not giving you further info on what you wanted to know. you have every right to know since your the one paying. the smudge paper is one proof.

sikondcourtz | May 30, 2007

piss on them...go deal with your mortgage holder, their governing agency is easier to find, and has the true power.....

DennistheMenace | May 30, 2007

You need to hurry up and pay up. They do have a right to charge the original amount owed plus any legal fees. Even a crappy lawyer costs $200 a hour. The longet you screw around on Yahoo Answers the more money they are going to end up charging you. They don't care why you didn't pay just that you didn't pay and you are in violation of all community legal guidelines. Keep up not paying them and they will put a lien on your condo too.

Navy Sailor - GAI | May 30, 2007

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