Comments for Stop Collection Agency Harassment http://nextlevelunlimited.net/blog Debt Free This Year Fri, 11 May 2012 13:33:10 -0400 http://wordpress.org/?v=2.8.3 hourly 1 Comment on Validation Letter by Chip http://nextlevelunlimited.net/blog/sample-collection-debt-dispute-letter/#comment-143806 Chip Fri, 11 May 2012 13:33:10 +0000 http://nextlevelunlimited.net/blog/?p=13#comment-143806 I just wanted to drop you a line and thank you for your assistance up to this point. It has been three months and I have heard nothing from anymore collection agencies. I was pretty upset because I was getting demand letters from a cell phone carrier's collection agency for breaking their contract. It took a little work, but i didn't think they would go away that fast. That agency was suing a lot of people a saw on the court dockets. Fortunately your know how worked! After your intervention this horrible company must have sold the debt to a second collection agency and they stopped pursuing me after that last letter you sent. I may or may not hear from them again, but I am confident you will continue to advocate for me!!! Keep up the good work!!! I just wanted to drop you a line and thank you for your assistance up to this point. It has been three months and I have heard nothing from anymore collection agencies. I was pretty upset because I was getting demand letters from a cell phone carrier’s collection agency for breaking their contract. It took a little work, but i didn’t think they would go away that fast. That agency was suing a lot of people a saw on the court dockets. Fortunately your know how worked! After your intervention this horrible company must have sold the debt to a second collection agency and they stopped pursuing me after that last letter you sent. I may or may not hear from them again, but I am confident you will continue to advocate for me!!!

Keep up the good work!!!

]]> Comment on Stop Collection Agency Harassment from Zwicker and Associates by Next Level Credit http://nextlevelunlimited.net/blog/stop-collection-agency-harassment-from-zwicker-and-associates/#comment-143730 Next Level Credit Thu, 10 May 2012 12:11:39 +0000 http://nextlevelunlimited.net/blog/?p=267#comment-143730 Jeff, Thanks for your comment. Are you in GA? It is unfortunate that you sent Zwicker your documentation. Were you served a summons? Or a letter? Sign in TODAY for free analysis Mon-Fri 9-5 EST – go to our homepage and put in name and number and time 9-5 EST. We may be able to tell you what to do….not enough info here on your comment. ~Next Level Credit~ Jeff,
Thanks for your comment. Are you in GA?

It is unfortunate that you sent Zwicker your documentation.

Were you served a summons? Or a letter?

Sign in TODAY for free analysis Mon-Fri 9-5 EST – go to our homepage and put in name and number and time 9-5 EST.

We may be able to tell you what to do….not enough info here on your comment.

~Next Level Credit~

]]> Comment on Magistrate Court with Fredrick J Hanna by Next Level Credit http://nextlevelunlimited.net/blog/magistrate-court-with-fredrick-j-hanna/#comment-143729 Next Level Credit Thu, 10 May 2012 12:08:58 +0000 http://nextlevelunlimited.net/blog/?p=105#comment-143729 Theresa Thanks for your comment. Hanna does not have any rules. Garnishment is done without warning most of the time. There is not enough info here in your comment…you have a judgment and you paid them in full? Anything you can do about what? You can set up a free quick analysis with us Mon-Fri 9-5 EST. We are in Ga and very familiar with Hanna. Go to our homepage and sign in your name and number. ~Next Level Credit~ Theresa
Thanks for your comment. Hanna does not have any rules. Garnishment is done without warning most of the time.

There is not enough info here in your comment…you have a judgment and you paid them in full? Anything you can do about what?

You can set up a free quick analysis with us Mon-Fri 9-5 EST. We are in Ga and very familiar with Hanna.

Go to our homepage and sign in your name and number.

~Next Level Credit~

]]> Comment on Validation Letter by Brian http://nextlevelunlimited.net/blog/sample-collection-debt-dispute-letter/#comment-143707 Brian Wed, 09 May 2012 22:53:33 +0000 http://nextlevelunlimited.net/blog/?p=13#comment-143707 AM I TOAST?/???CAN THEY CALL ME AS A WITMNESS as they stated on their DISCLOSURE FORM???MCM is taking me to court. They sent me a letter of pre-legal notificaiton, but it was sent to an address that I have not lived at for 3 years. 2 months ago, I got a notice of court for a home depot card. I sent them a VOD letter, but they ignored it and sent me a disclosure statement showing: 1 plantiff’s affidavit, 2. acct field data sheet (it has my wrong b-day, phone # wrong and address wrong) 3.credit card statement dated 8/05, 4. bill of sale, midland pre-legal notification dated 9/28/11 sent to an address I have not lived at for 3 years 6. Midland to MCM affidavit. AM I TOAST. My only document to bring to court is a VOD letter they never answered. SHOULD I SEND ANYTHING ELSE? AM I TOAST?/???CAN THEY CALL ME AS A WITMNESS as they stated on their DISCLOSURE FORM???MCM is taking me to court. They sent me a letter of pre-legal notificaiton, but it was sent to an address that I have not lived at for 3 years. 2 months ago, I got a notice of court for a home depot card. I sent them a VOD letter, but they ignored it and sent me a disclosure statement showing: 1 plantiff’s affidavit, 2. acct field data sheet (it has my wrong b-day, phone # wrong and address wrong) 3.credit card statement dated 8/05, 4. bill of sale, midland pre-legal notification dated 9/28/11 sent to an address I have not lived at for 3 years 6. Midland to MCM affidavit. AM I TOAST. My only document to bring to court is a VOD letter they never answered. SHOULD I SEND ANYTHING ELSE?

]]> Comment on (SOL) Statute of Limitations Letter by Brian http://nextlevelunlimited.net/blog/sample-sol-statute-of-limitations-letter/#comment-143706 Brian Wed, 09 May 2012 22:49:31 +0000 http://nextlevelunlimited.net/blog/?p=27#comment-143706 MCM is taking me to court. They sent me a letter of pre-legal notificaiton, but it was sent to an address that I have not lived at for 3 years. 2 months ago, I got a notice of court for a home depot card. I sent them a VOD letter, but they ignored it and sent me a disclosure statement showing: 1 plantiff’s affidavit, 2. acct field data sheet (it has my wrong b-day, phone # wrong and address wrong) 3.credit card statement dated 8/05, 4. bill of sale, midland pre-legal notification dated 9/28/11 sent to an address I have not lived at for 3 years 6. Midland to MCM affidavit. AM I TOAST. My only document to bring to court is a VOD letter they never answered. MCM is taking me to court. They sent me a letter of pre-legal notificaiton, but it was sent to an address that I have not lived at for 3 years. 2 months ago, I got a notice of court for a home depot card. I sent them a VOD letter, but they ignored it and sent me a disclosure statement showing: 1 plantiff’s affidavit, 2. acct field data sheet (it has my wrong b-day, phone # wrong and address wrong) 3.credit card statement dated 8/05, 4. bill of sale, midland pre-legal notification dated 9/28/11 sent to an address I have not lived at for 3 years 6. Midland to MCM affidavit. AM I TOAST. My only document to bring to court is a VOD letter they never answered.

]]> Comment on Stop Collection Agency Harassment from Portfolio Recovery Associates / Asset Acceptance by CLIFF DAILEY http://nextlevelunlimited.net/blog/stop-collection-agency-harassment-from-portfolio-recovery-associates-asset-acceptance/#comment-143605 CLIFF DAILEY Tue, 08 May 2012 17:20:33 +0000 http://nextlevelunlimited.net/blog/?p=340#comment-143605 PORTFOLIO BEGAN CALLING ME THE FIRST PART OF APRIL ABOUT MY $3300 DEBT WITH CAPITOL ONE THAT BEGAN 12 YEARS AGO. I MADE 2 CASH ADVANCES TOTALLING $300 AND THEN I FELL ON HARD TIMES. I LOST MY JOB AND HOUSE AND FORGOT ABOUT THEM UNTIL PORTFOLIO CALLED. THEY HAD AN OLD ADDRESS (WHICH I UPDATED) AND ASKED HOW I WANTED TO TAKE CARE OF THIS BILL. THEY ASKED ME FOR MY BANK NUMBERS--I TOLD THEM NO WAY THAT THEY WOULD GET THAT INFORMATION--AS I NO LONGER HAVE ANY INCOME. SINCE THEN THEY HAVE CALLED TWO OR THREE DAYS A WEEK, INCLUDING WEEKENDS, BUT I ANSWERING SERVICE THAT PICKS UP AFTER 4 RING, THEY DON'T LEAVE THEIR NAME OR ANYTHING. I ASKED FOR A WRITTEN BILLING STATEMENT, BUT SO FAR NOTHING. CAN YOU PLEASE GET THEM TO STOP CALLING ME ABOUT A 12 YEAR OLD DEBT THAT HAS BEEN WRITTEN OFF BY CAPITOL ONE? THANK YOU FOR ANYTHING TO STOP THEM. PORTFOLIO BEGAN CALLING ME THE FIRST PART OF APRIL ABOUT MY $3300 DEBT WITH CAPITOL ONE THAT BEGAN 12 YEARS AGO. I MADE 2 CASH ADVANCES TOTALLING $300 AND THEN I FELL ON HARD TIMES. I LOST MY JOB AND HOUSE AND FORGOT ABOUT THEM UNTIL PORTFOLIO CALLED.
THEY HAD AN OLD ADDRESS (WHICH I UPDATED) AND ASKED HOW I WANTED TO TAKE CARE OF THIS BILL. THEY ASKED ME FOR MY BANK NUMBERS–I TOLD THEM NO WAY THAT THEY WOULD GET THAT INFORMATION–AS I NO LONGER HAVE ANY INCOME.
SINCE THEN THEY HAVE CALLED TWO OR THREE DAYS A WEEK, INCLUDING WEEKENDS, BUT I ANSWERING SERVICE THAT PICKS UP AFTER 4 RING, THEY DON’T LEAVE THEIR NAME OR ANYTHING. I ASKED FOR A WRITTEN BILLING STATEMENT, BUT SO FAR NOTHING.
CAN YOU PLEASE GET THEM TO STOP CALLING ME ABOUT A 12 YEAR OLD DEBT THAT HAS BEEN WRITTEN OFF BY CAPITOL ONE?
THANK YOU FOR ANYTHING TO STOP THEM.

]]> Comment on Stop Collection Agency Harassment from Zwicker and Associates by Jeff http://nextlevelunlimited.net/blog/stop-collection-agency-harassment-from-zwicker-and-associates/#comment-143491 Jeff Mon, 07 May 2012 00:37:13 +0000 http://nextlevelunlimited.net/blog/?p=267#comment-143491 My Wife agreed through a collection agency to settle a credit card debt by paying half the amount due. They sent us a letter in writing agreeing the account would be settled if we did this. We did. And we have bank records that prove it. 5 or 6 months later Zwicker and Associates calls and says we owe all that money. We told them our story and they wanted proof. We sent them a copy of the letter and our reciets showing we paid it. That was in December last year. The other day we get a letter from the Court delivered to our door that we had to sign for. It was from Zwicker and Associates wanting to go to court. We are in shock! My Wife agreed through a collection agency to settle a credit card debt by paying half the amount due. They sent us a letter in writing agreeing the account would be settled if we did this. We did. And we have bank records that prove it. 5 or 6 months later Zwicker and Associates calls and says we owe all that money. We told them our story and they wanted proof. We sent them a copy of the letter and our reciets showing we paid it. That was in December last year. The other day we get a letter from the Court delivered to our door that we had to sign for. It was from Zwicker and Associates wanting to go to court. We are in shock!

]]> Comment on Midland Credit Management (MCM) aka/Midland Funding collection debt desperation by abbieandtristan http://nextlevelunlimited.net/blog/midland-credit-management-mcm-akamidland-funding-collection-debt-desperation/#comment-143458 abbieandtristan Sun, 06 May 2012 11:27:21 +0000 http://nextlevelunlimited.net/blog/?p=49#comment-143458 hi to all, i am so glad i found this site. Two days ago a guy named Andres Villanueva, called my mom in law's house looking for me. He told her that they are looking for me because they are ready to serve papers for me. I have a HSBC credit card that I wasnt able to pay since 2008 when I stopped working. It was only under $1000 when a collection agency was handling it. But havent heard from them for a long time until 2 days ago. This Andres Villanueva called my mother in law. I talked to him and he said that I owe $2,924 now and that the bank HSBC is suing me for it. But if I can pay them the money then they will stop the lawsuit, When I heard about it, I was so sad and crying because I dont want to go to jail, I have 2 young children. Anyway, I told him that I dont have that much money. As a matter of fact we only have $50 left for the rest of the month. We are broke! I am not working and my husband's SSI Disability check is our only income which is not enough for a month. Then he said, how about you pay the downpayment of $650 and they will make a settlement of $100 each month until i paid it off. I told him I could not do that, I can only do $25 or $50 a month. He then threatened me that if i cant pay then they will serve the papers and then i will go to court and i will have to pay $7000 for all the fees. Since he called me I wasnt able to sleep at night thinking about it. I dont want to go to jail. So I called EPA again and talk to a different person this time because he said that Andres is not in the office til monday. This guy's name is Richard Carter. He told me a different story. He said that he will make a settlement for me if i can pay $100 this month (Monday May 7, 2012) and then after that I can pay them $100 every month. So I told him I will try to come up with that money to pay them this monday. I told him I can pay them through MONEY ORDER, but he said that they dont accept money orders. Instead I can give them my credit card/debit card, but i told him we dont have any cards. Then he said how about through MONEYGRAM, or a PREPAID DEBIT CARD... this guy sounded really nice. I was glad to hear that i can pay $100 as a downpayment instead of the $650. So Im not sure now if i will pay them. I know I owe that credit card that I had through HSBC, and i want to pay it off little by little, or by how much i can afford a month. I just dont know if these EPA Group is legit anymore after reading this website...please help on what i should do! hi to all, i am so glad i found this site. Two days ago a guy named Andres Villanueva, called my mom in law’s house looking for me. He told her that they are looking for me because they are ready to serve papers for me. I have a HSBC credit card that I wasnt able to pay since 2008 when I stopped working. It was only under $1000 when a collection agency was handling it. But havent heard from them for a long time until 2 days ago. This Andres Villanueva called my mother in law. I talked to him and he said that I owe $2,924 now and that the bank HSBC is suing me for it. But if I can pay them the money then they will stop the lawsuit, When I heard about it, I was so sad and crying because I dont want to go to jail, I have 2 young children. Anyway, I told him that I dont have that much money. As a matter of fact we only have $50 left for the rest of the month. We are broke! I am not working and my husband’s SSI Disability check is our only income which is not enough for a month. Then he said, how about you pay the downpayment of $650 and they will make a settlement of $100 each month until i paid it off. I told him I could not do that, I can only do $25 or $50 a month. He then threatened me that if i cant pay then they will serve the papers and then i will go to court and i will have to pay $7000 for all the fees. Since he called me I wasnt able to sleep at night thinking about it. I dont want to go to jail. So I called EPA again and talk to a different person this time because he said that Andres is not in the office til monday. This guy’s name is Richard Carter. He told me a different story. He said that he will make a settlement for me if i can pay $100 this month (Monday May 7, 2012) and then after that I can pay them $100 every month. So I told him I will try to come up with that money to pay them this monday. I told him I can pay them through MONEY ORDER, but he said that they dont accept money orders. Instead I can give them my credit card/debit card, but i told him we dont have any cards. Then he said how about through MONEYGRAM, or a PREPAID DEBIT CARD… this guy sounded really nice. I was glad to hear that i can pay $100 as a downpayment instead of the $650. So Im not sure now if i will pay them. I know I owe that credit card that I had through HSBC, and i want to pay it off little by little, or by how much i can afford a month. I just dont know if these EPA Group is legit anymore after reading this website…please help on what i should do!

]]> Comment on Magistrate Court with Fredrick J Hanna by Theresa Miller http://nextlevelunlimited.net/blog/magistrate-court-with-fredrick-j-hanna/#comment-143428 Theresa Miller Sat, 05 May 2012 20:01:57 +0000 http://nextlevelunlimited.net/blog/?p=105#comment-143428 I paid them off in 2010 instead 2012. I paid them off in 2010 instead 2012.

]]> Comment on Magistrate Court with Fredrick J Hanna by Theresa Miller http://nextlevelunlimited.net/blog/magistrate-court-with-fredrick-j-hanna/#comment-143427 Theresa Miller Sat, 05 May 2012 20:01:19 +0000 http://nextlevelunlimited.net/blog/?p=105#comment-143427 They started garnishing my wages again after I paid them off in 2012, I was never informed on why they were trying to get more money out of me. I was never even served the proper paperwork, and I have records from the first garnishment. I called Frederick J Hanna law office and practically went off on him. I told things I would do about stopping the garnishment, he was like who told you to do that. My response was I know how to research information, to make a long story short, they stopped the garnishment. Now I'm wondering if there's anything I could do about this from looking at the original letter they sent me back in 2008, the signature I have on the letter by Dennis Henry it's not even his handwriting come to find out. They started garnishing my wages again after I paid them off in 2012, I was never informed on why they were trying to get more money out of me. I was never even served the proper paperwork, and I have records from the first garnishment. I called Frederick J Hanna law office and practically went off on him. I told things I would do about stopping the garnishment, he was like who told you to do that. My response was I know how to research information, to make a long story short, they stopped the garnishment. Now I’m wondering if there’s anything I could do about this from looking at the original letter they sent me back in 2008, the signature I have on the letter by Dennis Henry it’s not even his handwriting come to find out.

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