Comments for Caveat Emptor

Comment on How not to defend a debt collection lawsuit by Steve

Steve — Tue, 10 Nov 2009 15:52:50 +0000

Does anyone have a copy of a Capital One credit card agreement from 2002?

Comment on Americans for Financial Reform and the Showdown in Chicago by Carol Cross

Carol Cross — Mon, 09 Nov 2009 21:26:06 +0000

I hope the October demonstrations were effective and more citizens became aware that government regulation has been ineffective and purchased by the special interests who use law and process to maximize their profits.
So often, it is difficult to educate average Americans to the fact that law and regulation is influenced by those who want to profit from laws and regulations that always give them the edge over the average citizen.
While we are led to believe that “individual rights” are protected under The Constitution, our “commercial” individual rights are being taken away by the large corporations who insist on “arbitration” etc.. in their contracts with the American consumer.
Hopefully, this NEW Consumer agency will have TEETH and stop some of the exploitation of the individual consumers and laws and regulations will be reviewed (as per President Obama’s EO) to determine if these laws and regulations are fair to the American public.
Please read “Franchise Regulation Realities “Deception or Patriotism” and my blog “http://thegreatfranchisingrobbery.blogspot.com/

Comment on The “Speed Equity System” is not all it seems by SR

SR — Sat, 07 Nov 2009 19:18:31 +0000

I am just sorry I didn’t hear about this simple system (I don’t think you need any software) years ago. I will have my 15 yr mortgage paid off by the end of the year(less than seven years). I already pay off my cards monthly. As things stand, I wouldn’t assume anything regarding the tax deductibility of home mortgages in the future especially for upper income earners. For jaay above. The Heloc will grow as the mortgage shrinks, but in my example, I expect to reduce the balance radically after the first is paid off by essentially using the same system. The interest rate on the HELOC is half of the first mortgage rate (another plus). As soon as you can rid yourself of your mortgage payments you can take more time off thus reducing your income and taxes possible by at least as much as your prior mortgage deduction.

Comment on Mann Bracken under fire in Atlanta by Miz_Shero

Miz_Shero — Sat, 07 Nov 2009 16:23:07 +0000

I hate Mann Braken these dirt bags are self- serving. They never want to settle a debt and they are hard to get ahold of. They have 9% interst collecting on a debt that I have and they never include a monthly balance to let me know how much money I owe. When I tried to offer a settlement they claim they can’t accept less than half.I just wish they would get shut down or go out of business.

Comment on Macy’s uses racial profiling to stock formalwear by T.C.

T.C. — Wed, 04 Nov 2009 03:25:08 +0000

I work at macys and i personally heard an executive say “the reason that this Macys wont never sell babyphat and stuff like that is because we dont want that type of shoppers.

Comment on Debt Collectors and Wrong Numbers: How to Handle a Case of Mistaken Identity by mystic insight

mystic insight — Wed, 04 Nov 2009 00:33:30 +0000

Here they are again!! Calls starting up for Michael Grohner, and Laura Grohner (or Laura Mexico). If you’re a collection agent and you have a telephone number who’s last 4 digits start with 344X…. you’re calling the WRONG person!! My last post was on this website 2/3/09, and here it is November, I’ve started receiving “absent number” and “unavailable” calls, today a message with an 800 number was left 800-947-2987 for cbcs ? collection agency. Either Michael and Laura Grohner are still out there using my phone number, or these people are calling a number which is over 10 years old, to people who have *obviously left the building* per say. They moved, they changed their number! Gone! Vamoosh! Happy Holidays everyone…

cheers….
mystic insight

Comment on Mann Bracken under fire in Atlanta by HadEnough

HadEnough — Mon, 02 Nov 2009 20:42:23 +0000

Did someone call them scumbags!? That’s much too high on the food chain. They’ve been robo-calling my phone number for months asking for someone who doesn’t live here and never did but happens to have the same last name. When I call the number they leave and explain why I’m calling, they hang-up. They’ve done this every single time.

I’ve gone to their Web site to look for an e-mail address – none is given!! There is a phone number (240-386-3000) which also earns you a hangup from the receptionist when you explain the reason for your call.
I’m listed on the Do Not Call list; I’m assuming as bottom-feeders they don’t have to abide by that. I’ve attempted to block their phone number with the *60 feature, but that doesn’t work either.

So how does one stop this improper, unwanted intrusion and harassment? I’m interested in joining a class action suit against Mann-Bracken. There must be thousands of people who are indiscriminately and recklessly targeted because they have names similar to someone else and are in the same boat as I am. Any attorneys listening?

Comment on Florida collection agency Smith, Dean & Associates sued by the Illinois AG by KElly

KElly — Sat, 31 Oct 2009 17:41:02 +0000

Lisa Sanchez called my father in-law stating that I am righting bad checks and that they were going to issue a warrent if I did not pay them. I called to find out what they were talking about and was told that I had to pay 600 in 2 hours or they would issue a warrent. I told them that the transaction they are refering to has been paid and that I have been disputting this since it wen ton my credit. So I faxed the reciept to them and she told me it was for a different transaction that I never even had with them. Theses people are in violation of the FDCPA and should be stopped. Call the Federal Trade Commission at 202 326 3222 and report them we need to get them shut down for good.

Comment on Definitions: “debt buyer” and “debt buyer lawsuit” by CLE materials for Offensive Defense: An Introduction to Protecting Consumers from Unscrupulous Debt Collectors

Fri, 30 Oct 2009 04:22:27 +0000

[...] Just added materials from my recent seminar, Offensive Defense: An Introduction to Protecting Consumers from Unscrupulous Debt Collectors, to the Resources page. The seminar addressed some of the basic strategies and defenses available to defendants who are sued by debt buyers. [...]

Comment on Citibank freezes home equity lines of credit nationwide by Sam Glover mentioned in SmartMoney.com article on HELOC suspensions

Sam Glover mentioned in SmartMoney.com article on HELOC suspensions — Fri, 30 Oct 2009 04:21:04 +0000

[...] Todorova of SmartMoney.com interviewed me on Monday for her story on the home equity loan suspensions by Citigroup and others. Look for my name halfway down page [...]