by tankboot2 » Thu Sep 25, 2008 03:07:31 AM
Not a problem Monty, I believe you are good "people" as we say in Texas, and I appriciate you building this website, and doing all the work you do to keep it going.
There are good things and bad things associated with credit repair, and the average American/Canadian has no idea what the rights, laws & procedures are to regulate these guys.
Because of your website, thousands of people can be helped to understand, comprehend and repair credit on thier own. In retrospect, I would never have hired anyone, as I have very much enjoyed learning everything I have, and excersizing my right under the law. Because of the aforementioned, I have exponentially modified my credit reports for the better, in fact even making some money out of the deal, because most credit collectors act illegally because it's more effective and cheaper.
Because of this, and if you are sharp, you can make some $$$, fix your credit, and be your own attorney all at the same time.
At this very moment, I am suing ATT and West Collections inc, since I moved and paid my last bill in a recorded call. ATT fabricated some sort of last bill for 29.00 and sent it to West for collections 3 days after the bill was due. West took that $29.00 bill and placed it on my credit report without responding to my dispute letter, and in recorded telephone calls with West & ATT both they admitted "it's a mistake Mr. Davis, you don't owe us or ATT anything and we are not sure why this is happening, we'll fix it I promise, and we WILL NOT place this on your credit report" All of this was done in less than 25 days from service end to credit report entry.
My credit score dropped +129 points because of this, and despite certified mail disputing it, multiple recorded calls where they both admit fault, the entry is still on my credit report, and they both refuse to remove the entry.
Needless to say I've filed lawsuits against them both, and I'm even going a step further, filing complaints with the FTC, The Texas dept of utilities, The USPS for fraud, and I am furthermore moving forward with criminal misdomeanor charges against West IAW state law because the way this was handled is illegal.
There is alot more I am doing, but I'll just suffice by saying that I am trying my best to put them completely out of buisness, since they appear to not have a surety bond in one of more states, making them operators of an illegal credit collection company which is also a criminal offense (opinion)
Rudolph Strobel did more than piss me off, he set me off on a journey to make every credit collector sit back in thier seats and say "Jesus Christ what is this guys problem? Watch out when you call this guy he is on a serious mission" and/or "Don't piss this guy off, he'll sue us"
I am researching a way now to build a website, by which I offer all of my experiences, how I did all of this and offer my FREE help to anyone who wants to enact justice against unscrupules credit collectors, make some cash to buy a Harley and offer some "paybacks" to those who would torture us over bills.
More about this to come later.
Duane