Hey Thaiboxer,,

Thanks...
At one time I went to the YMCA 3-5 days a week and had a personal trainer there.
Over a 3 year period I gained 25 lbs doing that..
It's more stress related than working out...

I'm cutting out alot of stress even as we speak... alot of stress = weight gain.

Montee,

Find a Muay Thai Gym in your area. I've seen guys lose 50 pounds in a few months with the right diet. No word of a lie. Martial arts are the way to go about losing weight.
I have sweat out 5 pounds in an hour.
What city are you in again? I can find you a good gym there.

PB.

Raymond,

LOL,

Sitting in front of a computer 7 days a week is not optimum for a person's weight.

I'm hoping to change all that with my new life simplification process!!

More money + less work = work out at the gym more.

Ray,

Who pissed in your cornflakes this morning?

PB.

OK Monty, fair enough - the camera added 50 pounds to your picture. I believe you; but where did that other 50 pounds come from?

Ray

Angella,

Maybe you haven't read my other posts so don't know what I’m all about.

I truly enjoy pulling the stunts I pull. It actually puts a smile on my face. And I'm fortunate enough to have a job that allows me to take a few minutes a day to play with the agents like I do.

In response to taking them to court…. Aside from spending the few minutes a day amusing myself over the phone with them, they aren't worth me spending one second starting any kind of legal proceedings over a $400 debt that may or may not be mine.

They can call me every day for the rest of my natural born life, and I will continue to call them back. Not because it makes a difference, but because it amuses me.

PB.

No, I don't think it's right. I do think you should protect yourself... and you're not doing so now.

If you've told them that the debt is not yours... and it truly isn't then file a small claims suit. They're not expensive to file and you can handle it all yourself so you don't have to pay a lawyer. Plus they're designed for Joe on the Street to get his matters in front of a judge... so they're more forgiving.

If it is statsbarred then, again, you will have fodder for a lawsuit. Ask them for the detailed statement. They won't be able to provide it if you are correct in the stats barred thing... then you can call them for as long as it entertains you and ask for it. You can ask how long you are expected to wait for this nonexistent piece of paper. When they don't provide it to you then you have even more fodder... once you're done putting them on the other end of the harassment stick - especially if the continue to send collection letters and/or try to collect.

Honestly... if the debt's not yours you wouldn't know it is stats barred. When you use multiple conflicting tactics it does start to sound like you're not being entirely truthful. Place the shoe on the other foot... place them on the defensive.

If you've been harassed by them, why would you not want to hit them where they're really gonna feel it?

Montee, don't listen to Ray.
You can't all be underwear models like me ;)

PB.

hahahaha...
lol...

thanks Raymond... the camera puts on 50lbs :(

So let me get this straight Angela...
In your mind it's okay for them to call me at MY house countless times a day even after I tell them i'm not paying them, the debt is SOL, it wasn't my debt, they have the wrong name, they have the wrong phone number, yadda, yadda, yadda...
But, if I call them and waste some of their precious time, as they have done with me, you think any judge in his right mind would even listen to a case about a consumer 'harassing' a collection agency.
Cmooooooooon!

Ray, you're a poet. You should write books.