5000000000

About 3 weeks ago a NASTY NASTY lady called me, screamed at my and hugn up on me. I called back becuase I will not let anyone ever talk to me like that.Spoke to a gentleman who was much kinder (ends up he works for her)he told me if she ever did that again she would be fired-sure...
I have a old BofA account I had been paying on. My husband had died and I fell last year and shattered my elbow and was off work for a year due to 6 surgeries. He indicated the bank would settle for 1/2 the amount and I needed to have that in my acct. on 7/31/08, it would be processed that day. I had to demand proof of this which he didn't want to provide-always ask that quetion first! I told him I would not do anything until I had this.  Hard as it was, I did and they never presented it to the bank. I withdrew the funds about 10 days later. IN the meantime I have turned everything over to Consumer Credit Counseling and they can deal with Collectors Interchange. I've also advised CI of this and they still call using the 500-000-000. I realize that B of A doesn't care how they get their money, I just wish they would use a more reputable company. I've since read so many things about CI I wish I would have known earlier. I just last week faxed them 20 pages of complaints to them that is on the internet!

the call 10 times a day EVERYONE NEEDS to call them at there name is credit exchange 1800-545-2386 and harrass them. they spoof there number to be 600000000,4000000000,5000000000
Also they buy dept for penneys on the dollar like a million in dept for 750.00 they lie  they call your friends,neighbors anyone the can find the look at your address  and find people that live close , the employees  are paied on commision also. if you send them a penny you might as well have given it to a stranger they are blood sucking lowlifes to lie as they do . Your credit card company has all ready charged it off. check your credit  report most of the time all they bought was the dept they do not have the contract where you signed . let them sue you and go to court file your answer that you do not owe it . when they come to court they will not have the contract you signed, thy will hope you do not awnser in the claim with the court so they can get a judgment the they can attache your real property or your wages..

Got a final notice from these guys today. They have been calling for months I have not responded to them at all.I owe 2 other debt collectors but dont here from them much.Creditors Interchange is the worse. I just got a voicemail saying that if i dont call back today bye 5pm they will take all action to seize property,garnish wages ect. Pretty much sounds like they are going to take me to court. These guys are scumbags and i have no other option to go BK.These guys have called my cell a million times called my family and work pretending to know me with a important phone call. The funny thing i have never recieved anytthing in the mail avout my debt from these people just threating phone calls. Dont deal with these slimeballs.

...I've gotten a call from them but there was no message....it seems like there is a thread of Bank of American debts who these people are calling...the thing is....I don't have outstanding accounts...actually I've paid most of my debts off and in good standing so I don't know why they are calling me...I did however have a B.OF.A credit card at one point but there is no current balance on it....kinda strange...let me tell you...they are barking up the wrong tree...I can get just as nasty with them if they wanna go there and trust me...I ain't afraid to sue...so bring it on my friends...bring it on...you are messing with the wrong mama....

Caller hung up when I answered.

Update there still calling after saying my final deadline was a few days ago.There using scare tactics.This company is the worst.I really dont know how these people that work there can go home and sleep at night after lieing to people on the phone all day try to threaten people. Just true Scumbags.Dont deal with this company or give them any money if you can.

Similar ... the ext i've been given is 4034 sarah johnson ... hmmm sounds really funny now to think that i haven't been served for court.

Shes trying to make a deal and putting a carrot out of saving me 4000 in legal fees from chase to which i do owe debt to.

this is a 3rd party collection agency, Send them a request for validation and make them prove they have an account with you. They will not be able too and that will end it,  Also another bad company is Fred Hanna attorneys. botton feeders also.

Next time I'm in Buffalo...Poor SOBs!

called me and left me a voice mail the her said he was looking for gorge souther land he want me to tell me to pay my bills but IM 14 SO WHATS UP MAN

He/She called me and asked for Larry.  I thought it was a guy.  I said, "sorry dude, not Larrys phone."  She said, "I'M NOT A DUDE", and hung up.

no name and a no number what kind of crap is this

They called in August stating its my Final notice 2 times. A slimball named Francisco left a message to me saying that he must speak to me that day or else he will have to sign off on this case against me. Stating that they will garnish my wages, take money from my bank ,property,cars ect and they had all this information back already.

( I lost my house already because of the famous varible intrest rate loans, My Vehicle was stolen and not recovered with only min insurance,I drive a 18 year old Honda with a blown headgasket, Have no money in my savings and checking.I owe the IRS and other bills that i am still paying on, My work has cut the hours and i am only getting 24-30 hours a week and i am looking for a second job i am planning to go BK but dont even have money to pay for that, but Creditors Interchange is trying to threaten me)

Anyways i get another Desperate Threaten phone call in late September saying i better pay in full to avoid court appearence.

October 6 I get a call at 8 am in the morning i pick up but dont say anything I get some rude lady yelling at the phone saying she knows i am listening and i better get myself some legal representation because her clients are taking me to court,I will be reporting them. Btw they called again on Oct 8 and hanged up. A horrible way to practice debt collecting this place needs to go under.

Caller asked for the Fields.  We have had the same number for over 3 years and no one by that name has ever had it.

I have been enrolled with the CCCS program for a year now. The company who's helping me resolve my debt have inform and mailed my creditors to ceased all calls to my home and work. Two weeks ago my old friend had inform me that she's been receiving calls and messages from unknown phone number (500-000-0000) and unknown collection company called Surgents? Capital. The collector left detailed message regarding my debt. Not only she would leave a message but she would also calls several times in a row on the same day.  She had left a message regarding my mother who stated that she had spoken with her. But the most disturbing thing about is how she's able to get a hold of my mother who lives most of her life residing out of the country who never been here to this country at all. I know I owed this debt and I intend to pay this. But harassing people just to collect a single cent out their pocket doesn't resolve this issue. Before to call a debtor to collect the money make sure you have all your facts. You want to be aggressive so you can earn the incentives from this people, you as a collector(s)also owed debt and believe or not you don't pay your bills on time as well. You want to harassed people on daily basis, hey that's what you want to do but guaranty you people won't pay unless you resolve this in a manner and appropriate way. Most of all don't lie.

Update
Well they called me on Oct 17th and i just hanged up on them. After that I have not heard from them again. I was thinking they sold the debt to another company or they actually are going to sue me (I really doubted this).

Well Today I get a letter in the mail from a new Collection Agency with my cold Chase debt that Creditors Interchange bought and now Sold to Maximum Recovory Solutions (I googled and found out its another Slimball company that uses scare tactics).

Well after dealing with threats and lies and millions of phone calls to my work and cell phone and family members they gave up and sold the debt. I have learned a lot about Collection Agencys and my rights as a Debtor.

What i suggest to others if you get calls from this Scumbags.

1 Never talk to them on the Phone (Send them a Register letter to stop all phone communication and can only reach you thru mail only).

2 Most Old Credit card debts are Charged off and sold to these companys for Pennies on the dollars and you also need to send them a Validation debt letter ( google it ) to see if the debt is valid.

3 If you plan to pay these guys or can pay. Do not set up payments thru your checking account or CC they will suck your account dry if you got anything in there. Ask for all negotions in writing (faxed or mail to you) with details of amount your going to pay and that they remove the debt from your Credit Report and make payments only with Money orders.I suggest if you are planning to pay,get a hold of the original creditor and set up payments with them. IF a CA ask you to pay in full and you have the money you can talk your way down of the debt.Just say you owe 4,000 dollars and the ask for it in full,you have a pretty good chance you can get the debt down to 20%-60% of the original debt.Remember the bought the debt for a pennies on the dollar,So they will still be making a nice profit.

4 Will they Sue you? Chances are slim to none.If anyone plans to sue you it would be your original creditor.Once the Debt goes past 90-180 days with no payments its due in full and then the Creditor will take a look at how much you owe,Credit Report,Assets(Home,Cars,Good paying job)and your current debts and will make a decision to Sue.Most the Time they charge off the debt as bad debt (tax right off for all the profit the CCC make) and sell the Debt to Collection agency.Most Collections Agencys will not take the risk of paying attornys and court fees  to take you to court, and they still have to get a judge to sign off on this to get a settlement or could get dissmissed.So if they threaten to sue you its only a Scare Tactic.

Final thoughts a few years ago I had 750 plus credit score,I was proud of my credit score and always paid my bills and engoyed being responsible and recieving good APR %. Well after losing my house,job,Family illness, I realized there are more important things in life. You only live once take care of you and your family first before paying Lowlife Collections agencies like Creditors Interchange that is Getting Rich off there Scare Tactics ( they Have 5 locations but may complaints and law suits against them). And for the Original Creditor that you try to tell them your in trouble and the raise your APR from 7.9% to 29.9% and tact all kinds of BS fees calling you a high risk and are making Trillions a year.Dont feel bad they will be just fine write off your debt and sell it and ruin your Credit Report.

And for the Collections people,I know its your job to try collect debt to make any money at your work. I imagine you will be fired pretty quick if you dont collect any money or Will make Min wage a hour since your on Commission.I dont think all Collectors or Slimeballs,There are a few that just want to know whats going on with your debt and will try to set something up to pay something.Then theres Places like Creditors Interchange That Lie to you and your Family and Work, Saying there Attornys,Cops,Judges,Payroll from your work, Telling your Employer that you missed Court,Disclosing Debt Information to 3rd party which is Totaly illegal Ive heard it all from this place.I hope the Owners and the Lie Collectors that work for this company go to hell when they die.

SORRY FOR THE LONG POST VENTING

I just received a call from this number. I let it go to voicemail. The caller is Mrs Brown and she provides a reference number but no company name. Her number is 866-896-5254 x 3679. A search on THAT number turns up Creditors Interchange Receivable Management, LLC. She ends the call by saying :This is an attempt to collect a debt."


See http://www.budhibbs.com/debtcollectorpages/creditors_interchange.htm.

this co has not only harassed my daughter re her bank of america acct they have harassed her neighbors as well. they have shared her confidential info with numerous people and insulted those people with crude and rude remarks.  the fdcpa states that a creditor cannot contact neighbors more than 1 time and then they can't share personal info....violations 1 and 2. it also says they can't harass or misrepresent their intentions....violations 3 and 4.  the list goes on and on, but the above mentioned violations are more than enough to file a complaint against them as well as bank of america which is exactly what we intend to do!

this co has not only harassed my daughter re her bank of america acct they have harassed her neighbors as well. they have shared her confidential info with numerous people and insulted those people with crude and rude remarks.  the fdcpa states that a creditor cannot contact neighbors more than 1 time and then they can't share personal info....violations 1 and 2. it also says they can't harass or misrepresent their intentions....violations 3 and 4.  the list goes on and on, but the above mentioned violations are more than enough to file a complaint against them as well as bank of america which is exactly what we intend to do!

this co has not only harassed my daughter re her bank of america acct they have harassed her neighbors as well. they have shared her confidential info with numerous people and insulted those people with crude and rude remarks.  the fdcpa states that a creditor cannot contact neighbors more than 1 time and then they can't share personal info....violations 1 and 2. it also says they can't harass or misrepresent their intentions....violations 3 and 4.  the list goes on and on, but the above mentioned violations are more than enough to file a complaint against them as well as bank of america which is exactly what we intend to do!