At courthouses across the United States, it has become increasingly common during the economic downturn for lawsuits to be filed against consumers to collect old debts. Lawyers who specialize in the practice are filing thousands of suits on behalf of large firms that have acquired debts from other companies. Although most people don't fight the suits and lose them by default, a Dallas woman bucked the trend last October.

Chrystal A. Snow challenged the validity of a $9,000 debt in a Dallas County Court-at-Law and countersued the debt collector for making improper phone calls, her attorney Ross Teter said. In a case that has received no media attention, Snow won her suit against Midland Funding LLC and the jury hearing the case awarded her $8.1 million -- $250 for actual damages, $100,000 for mental anguish and $8 million in punitive damages, he said.

"The jury made a finding she did not owe the debt," Teter said in a phone interview. "We argued that they violated the Texas Fair Debt Collection Act by making harassing phone calls and the jury agreed."

Midland Funding is a subsidiary of Encore Capital Group, a company whose primary business is the acquisition and collection of "charged-off consumer receivable portfolios," according to its 2009 annual report filed with the Securites and Exchange Commission.

"We acquire receivable portfolios at deep discounts from their face values," the annual report states. "[W]e have invested approximately $1.4 billion to acquire 28.8 million consumer accounts with a face value of approximately $43.8 billion."

As the owner of millions of long-overdue accounts from credit card, auto, health care and phone companies, Encore has three call centers in the U.S. and one in India to make collection calls. When these efforts are unsuccessful, Encore has a nationwide network of attorneys to pursue legal action for the full amount of the debt. If a creditor wins a lawsuit, it can get a court order to seize bank accounts, garnish paychecks and claim other assets. Consumers can find themselves on the hook for the debt plus interest, penalties and legal fees.

"We generally refer accounts for legal action where it appears the debtor is able, but unwilling, to pay their obligations," the annual report states. "We pay the law firms a contingency fee based on amounts they collect on our behalf."

An April 1 New York Times story on the rising number of court-ordered garnishments told the story of Sidney Jones, a maintenance worker who took out a $4,097 personal loan in 2001 from the subprime lender Beneficial Virginia:

He fell behind, and Beneficial sued. Mr. Jones did not appear in court. "I just thought they were going to take what I owed," he said.

By default, Beneficial won a judgment of $4,750, plus $900 in lawyers' fees, with the debt accruing interest at 27.55 percent until paid in full. The bank started garnishing his wages in March 2003.

Over the next six years, the bank deducted more than $10,000 from Mr. Jones's paychecks, but he made little headway on his debt. According to a court order secured by Beneficial's lawyers last spring, he still owed the company $3,965, a sum nearly equal to the original loan amount.

Allen West, a Republican candidate running for Congress in Florida to unseat Rep. Ron Klein (D-Boca Raton), lost a $2,832 judgment to Midland in 2009 for credit card debt, the Palm Beach Post reported in March. He's "more than half way" to paying it off, he told the paper.

Kristy Welsh, the editor of the do-it-yourself credit repair site Credit Info Center, said the worst thing a person can do is ignore a lawsuit filed to collect one of these "zombie" debts. File a answer to the original suit, Welsh advised in a phone interview. "If you don't answer you lose automatically. You don't want a judgment against you. You have zero to lose [by fighting]."

She wrote a blog post Friday on the six steps to take if you've been sued to collect a debt, even if you can't afford an attorney and must defend yourself:

... by filing an answer, you greatly increase the chance the creditor will dismiss the lawsuit. In other cases the collection agency rent-a-lawyer won't bother to show up themselves -- giving you the automatic win. Some lawyers who work for big collection agencies file as many as 50 lawsuits a day. Why spend time on a consumer who fights back when there are plenty who won't resist?

In Snow's case, the attorney representing Midland Funding did not appear and the one-day trial was conducted without him, Teter said.

Welsh said that a creditor is required to prove in court that a debt is valid, a difficult task for debt-acquisition firms like Midland because they receive a limited amount of information on the debts they acquire -- sometimes as little as the debtor's name, Social Security Number, amount owed and original creditor. "They weren't around watching the original creditor. They weren't around to witness the processing of payment," she said. "The older a debt is, the less chance it has of having any kind of paperwork."

The debts pursued by these firms often are inaccurate or have passed the statute of limitations in a consumer's state and are no longer legally required to be paid, she said.

Welsh runs an online forum where members share information with each other about their legal battles with debt collectors they call JDBs -- "junk debt buyers."

In the section of the annual report where Encore discloses the risks of running its business, the fact that consumers are banding together on the web is cited as a problem:

Consumers are exposed to information from a number of sources that may cause them to be more reluctant to pay their debts or to pursue legal actions against us. ... Various Internet sites are maintained where consumers can list their concerns about the activities of debt collectors and seek guidance from other website posters on how to handle the situation. And advertisements by debt relief attorneys and credit counseling centers are becoming more common, adding to the negative attention given to our industry. As a result of this negative publicity, debtors may be more reluctant to pay their debts or could pursue legal action against us regardless of whether those actions are warranted.

Snow, who did not return requests for comment, has reached a confidential settlement with Midland, her attorney Teter said.

Teter said that it's rare to achieve a result like hers in a debt collection lawsuit, but "I think it's not going to be so rare in the future. A lot of these debt collectors are making lots and lots of phone calls for no reason. The jurors are beginning to understand."

-- Rogers Cadenhead

Comments

So how is she going to collect this $8.1mil? Is she going to hire another debt collection agency to go after Midland Funding LLC? That would be poetic justice!


 

Thanks for this, Rogers. I sent it to my client the bankruptcy lawyer. He has people come in who haven't answered their phones in month because of creditor calls.


 

Interesting article, especially the research on Encore!

Unfortunately, the FEDERAL collection laws do NOT contain a provision for PUNITIVE damages.

And it's too bad that they settled with a confidentiality agreement, it would be nice to know what Midland paid.

The jury instructions are really interesting if you're into legal issues:

liarsandcheats.info

Hopefully people realize that the FREE advice at credit repair websites is NOT likely to be very effective when dealing with debt collectors. Many people actually get sued and LOSE in court when they follow the advice to send "cease and desist" letters and disputes.

I stopped paying MY credit cards and I couldn't care less whether a creditor sues me and gets a judgment. And I hope that millions of (near) judgment-proof people will stop paying their unsecured debts.

There simply is NO to pay the bankers if there's nothing they can take from you. Research your STATE law!

Christine


 

Nice, you borrow the money...and then look for ways to not pay it back. Both parties, lender and borrower, should be reasonable....the lender should not gouge with trick financing or outrageous interest rates...and the borrower should recognize they owe what they borrowed. A bank is in business to make money....


 

So here's how I understand it. She could spend that money that she borrowed on anything... flat screen tv, beer, diapers, whatever... and then just decide that she didn't want to pay it back... so she took money and spent it with a promise to repay and now she isn't liable?!

Isn't that basically theft?! and for $9,000 that is a least FELONY theft. So ALL these people with all this debt are just going to get away without paying anything?! This is a prime example of why our country is such bad shape financially and morally. Nobody has a sense of consience. They spend money and buy stuff like it is going out of style, OTHER PEOPLE'S MONEY. Where do they think it comes from a TREE?!

The man of the family that financed that IDIOT is probably out of a job because the original lender is going broke becuase of their blind faith that people are good and responsible. When in reality those people barely are worth the paper that their contract/application/note is written on.

TRUST ME! I have debt, quite a bit in fact, and it is my fault. I am taking care of it. I get calls and lots of them. There are people to help, if you just TRY. If you just listen and attempt to make amends, 99% of the time they work with you but if you ignore them, scream at them, etc... what do you think will happen? Cause and effect, people.

I understand that it is my responsiblity to pay back the money I have borrowed from the lenders/banks/etc who borrowed THAT money from hard working American families. I know plenty of people just like me. Who know they have done something stupid and are taking care of it, not ignoring it. People who do the RIGHT thing and accept responsibilty for their actions.

I hope that woman really enjoys the money she was "paid to steal" and her reward of $8.1 million?! Why don't just make bank robbers, Judges and President?

Seeing this on the web, no wonder America is becoming the laughingstock of the world. It all sounds like a lawsuit over hot coffee to me... ha. ha.


 

I tell the collection agencies that I do not owe THEM a dime, inasmuch as I did no business with them and the transaction between them and my original creditor was without my permission or knowledge. I tell them that when I get money to pay this debt back, I will be paying it to my original creditor. Tell them this a few times, and they quit calling.


 

Can some of you people not read, or comprehend, or just looking to gripe about everything? In a court of law, it was found that she did NOT OWE THE DEBT ("The jury made a finding she did not owe the debt,"), and these people still harrassed her. ...some of these people's comments here that she borrowed money and didn't pay it back are asinine.

If anyone's ever had a creditor call them to collect a debt, whether to collect a debt they owe or to "collect information on someone" that you may know, they are tyrannical and out of control. It would be one thing if I owed the debt, it's another when I get calls from a debt collection agency looking for someone that has the same last name as mine and my info was generated in a search of possible relatives (by last name), and they start the my harrassment with "this phone call is being recorded", like a cop saying "anything you say will be used against you".

Besides, it's not like companies don't make mistakes, especially as they blindly swap debts and cripple themselves and the economy in the process...


 

Jane, please read the article again and try to grasp the facts presented. I get the impression you have bought into the red herring that only "irresponsible" consumers can do wrong while corporations are only trying to get what was promised them. Your willingness to remain ignorant is what makes us the laughingstock.


 

Midland tried their tricks with me on an account I never owned, and had never opened. They used fraudulent tactics to attempt to get me to pay. I not only sued them, but covered the story on local and regional news letting the country know what crooks they are at Midland. I easily won my case, and even received an apology. Apparently, Midland and their low life attorneys don't like to be exposed on TV...


 

To JANE: you do realize credit card companies loan you money that they don't even have that is why it is so hard for them to get it back if you fight. Please You really think any credit card company is going broke because people dont pay? get real do you not even read the article the part where is says they paid $1.4billion to get $43.8 billion in owe-able debts? you realize that if 5% of the people pay they are making money? considering the article also says most people don't even fight I'm betting they get over 50%(most) of the $43.8 billion. damn yeah they are really hurting not having 49.9% of people not pay them back. oh and in case you didn't already know ever time you go into a store and swipe your card the credit card company makes a % of the sale right away. why else would they let you pay it off at the end of the month without paying interest for the 29 days you borrowed it. don't get me wrong if you owe a debt you should pay it I always pay mine and I'm glad to have the good credit just make sure your argument is valid before you troll a web page and tell everyone how the person who gave them the loan prob lost their job because they didn't pay, right


 

And for my experience I have been fighting with a medical bill. I keep asking for an itemized bill so i can see what I'm being charged for the only answer i get is ask your insurance company for it. ??? seriously why would my insurance company have the bill that I am try to get for them from the hospital/debt collector. I would pay it my self if I just knew what I was being charged for. it has just been sold to a new collection company so maybe they will be more helpful in the matter.


 

Good post, I'm going through this now. A collection agency is trying to sue me for more than what the account is worth. I refuse to pay anything I don't owe. I don't believe a account balance can double in the amount within a year. I guess they think I wasn't going to show up for court, but I did. I want to see what the balance was before they got the account, how much they paid for the account, and what the interest rate is for the account. I'm not letting some company I've never heard of throw some amount in my face and expect me to handle it. They stopped calling me when they realized I didn't have a job, and said we will see you in court with an attitude like its their account. Plus, I believe the statue of limitation for them to sue has passed, so this information was every encouraging.


 

And for my experience I have been fighting with a medical bill. I keep asking for an itemized bill so i can see what I'm being charged for the only answer i get is ask your insurance company for it. ??? seriously why would my insurance company have the bill that I am try to get for them from the hospital/debt collector. I would pay it my self if I just knew what I was being charged for. it has just been sold to a new collection company so maybe they will be more helpful in the matter.


 

Don't get worked up about Jane, guys. She's obviously writing on behalf of the debt collection companies. The all-caps words sprinkled throughout are standard in marketing copywriting, and she has no sympathy for debtors even though she claims to be a debtor herself. It's basically a debt buy company trying to rebut the woman who won money without having the cojones to identify themselves.


 

When faced with a very persistent series of debt collectors trying to collect someone elses debt, I came up with the following tactic.

This of course only works if you're not the one who owes the debt, but an innocent party whose number/address they've obtained and linked to the debt.

1) warn them verbally that any further calls will be charged to them.

1a) this can be difficult - find out which debt collector they represent. Get a business address. This might take some serious digging.

2) before they call again, send a contract to them outlining the charges. I used $100 per call (for "quality control"), $1000 admin and setup fee on the first call. They agree to the contract if they contact you again. (offer-acceptance-consideration). Specify that jurisdiction will be your local town (make them travel to you).

3) if the same debt collector calls again, send them a bill payable in 10 days.

4) if they fail to pay, sue them in small claims court in your own jurisdiction.

5) as a creditor, you can now demand payment or force them into bankruptcy.

Do so.

It's a bit of work, but once word gets out, you'll not have any more problems with rogue debt collectors. I know I don't.

ps: I eventually got curious and found the person they were actually calling for. Turns out the phone number the debt collectors were using, with a different area code, did in fact belong to her. If I, as a non-professional skip tracer, could do this, then these companies are basically just parasites without even basic knowledge of how to do skip tracing. They're idiots, scum, parasites, and deserve to be taken down hard. Every single one of them.


 

Thanks for the info, I am going thru debt consolidation and getting threatening calls at work. I told them not to call me and gave them my debt consolidation info. The girl said they dont respond and they still did call me several times while at work and its been a week or so now but if they call again Im getting all their info and sue them. People at my work heard me and it was extrememly stress full.


 

I'm a debt collector. And some of you are fools. Just by reading your nonsense I can tell you are worthless, irresponsible do-nothings. Perhaps if you could spell better, you might fool me otherwise... ;)

LUCKYBUNNIE: Getting calls at work? Puh-lease. Like you don't have the ability to just hang up and spare the embarrassment from these coworkers you claim heard you talking about your debts on the phone. You're an idiot, and deserved what you got for doing what you did. Stop being a pansy and pay your bills. First off, you have a job and can afford it. Secondly, you're paying a debt solution company to do the same thing you can do by yourself, except you're paying them more money to do it for you. You have every opportunity to save money by relieving them of their services and settling with debt collectors directly. It will probably save you alot more money. All you need in this world is a bit of intelligence to get by. Have you considered gaining some? Here's your chance.

As for the gentleman with the "skip-tracing" skills...Fred...sounds like you've got it all figured out, champ. What was the name of the company you sued? I'd encourage them to counter-sue you for entrapment. These are people's jobs you're affecting. YOU think collectors are parasites...apparently...which is why you chose to be an ***hole about an honest mistake. All you really had to do was inform them they have the wrong person, but being the dishonest and spiteful man you are, you had to take it to an unnecessary level. I'll bet you're really proud of that. :( So, Fred, how many debts did you legally owe which drove you to hate collectors this much? Nobody's fault but your own, buddy. I hope you have fun in Hell. Satan has a dark, lonely place reserved for spiteful people. Especially ones who don't pay their bills.

I need to make money somehow so that I can pay my taxes and my bills. I do it by sitting on the phone all day and getting death threats, and listening to deadbeats tell me how they are going to hurt my family. I also put up with others who threaten to sue me simply for doing my job (yes, people can sue me directly regardless if they sue my company.) My daily job generally consists of putting up with the scum of this nation--all while being prohibited from throwing it back into their faces the way I wish I could. In short, if I were half as much of a jerk on the phone with other people as they are to me, I would lose everything I own.

It takes a special breed to put up with this crap.

So I guess here is my chance. Here's a lineup of the types of deadbeats I have to deal with all day.

1. The Mutes: people who answer the phone right away, but go silent immediately when you ask for their name, and then hang up.

2. Indigents: people who use other people's money, goods or services and then don't pay them back because they know that the law protects them from being held accountable. These are the people on SSI/SSDI whom your taxes pay to feed, clothe and shelter. Then they have the audacity to steal on top of that. Isn't it pathetic? Other times I can convince an elderly man or woman to pay what they legally owe, but then a snide family member gets wind of the arrangement and convinces them to not pay it--simply because they are "judgment-proof." Usually this is a son or daughter, and you can guess why they don't want their parents using their savings to pay off old debts...probably because it means they will lose that much in inheritance. You would not believe how many phone calls I get from angry sons and daughters of debtors threatening me to cancel their parents' repayment arrangements. And the debtor CAN AFFORD to pay it! That's sick! My favorites are the ones who demand a refund after the payment has been made. lol

3. Gatekeepers: family or friends of the responsible party who answer the debtor's phone all the time and tell me they are not around (after asking who I am, of course). Last week the debtor was in the hospital because of a bad car accident and in critical condition, yesterday they were out looking for a job (gotta admit, its a good story), and TODAY they are not home from work yet....depending on who you talk to. Unless everybody in the family can keep their lies organized and consistent, it's usually easy to catch these kinds of cover-ups.

4. KIDS: Yes, people put their kids on the phone to get out of paying their debts, for crying out loud. But I usually have fun with this one. A collector is almost always smarter than a child, and usually knows that the parent is right there next to the kid telling them what to say. So when I ask why mommy and daddy are not there and why he/she is being left all alone, or if I get the kid to tell me where mommy or daddy works (yes, it is entirely legal to ask this and it is entirely legal to call a debtor's work) it usually prompts an angry debtor to magically appear and demand to know who I am. :) I only feel sorry for these kids, whose irresponsible parents probably punish them for being honest. Kids will tell you anything if you let them think that it's smart of them. "Say, you sound smart. Does your mommy/daddy still work at...?" "YES!!!"

5. No speaky English: They speak English fluently enough to open up an account for goods or services, yet when people start calling to ask for that money back, "No speaky English!!!" In this country, it is not required that anybody speaks English, so luckily most agencies have a Spanish-speaking collector. This usually puts a kink in people's plans who think they can get off by pretending not to understand what is being demanded of them.

6. Take Me Off Your List: The debtor used to have this number, but changed it....probably because they kept getting collection calls. So now some poor person has to put up with the calls, because they got a new phone and...guess who's number they got? So I answer the phone and half the calls are people screaming at me because they get 7 calls daily for somebody they don't know, and I'm the only person they are able to scream at about it. "TAKE ME OFF YOUR LIST, YOU ***HOLE!!!" I don't have a list, idiot. Telemarketers have "lists." I will mark this as a bad number, thanks for being so nice about it.

7. I owe the debt, I CAN pay it, I just hate bill collectors: self explanatory. I think somebody's post earlier described this nonsensical approach. People think they can incur a debt and pay it back whenever, wherever and to whomever they please---and in whatever amounts. It does not work this way, people. Creditors have their rights, too (although these rights are being stripped more and more by the day, and the will and whim of the irresponsible debtor is gaining more and more sympathy--as demonstrated by this story)

8. I didn't open this account: Very common. Usually it takes one or two pieces of the debtor's personal information on the account to remind them that it is most certainly THEIR debt. Some people are defiant by nature and demand that it goes even further in validation, demanding that they see some kind of itemized statement or a copy of their signature on a contract--which I can't provide as a 3rd party collector. That would be information which my client (the debt buyer) has. Yes yes, the one who has the attorney retained and is about to sue your ***. They would not gone to this length if they didn't have the evidence to back up their claim.

9. I have an attorney: people can legitimately hire law firms to stave off bill collectors (as if collectors are the most horrible blood sucking people on this planet, haa haa.) The funny thing is, half the people who tell you they have a lawyer wont give you a name or number, citing "IT'S NONE OF YOUR BUSINESS, ***HOLE!!!" (It actually is my business. In fact, it is why I get paid.) In reality, a hired attorney will encourage a debtor to give their name and number so that the collector will confirm representation and work directly with the attorney to resolve the debt, either through a settlement or bankruptcy. So the people who tell me they have an attorney and then don't give a number for that attorney are just dumb.

10. I can't talk about this right now, I am at work, my mom just died, I just lost my job, I dont have any money (yet I can afford a phone) blah blah blah: You have had 3 or more years to get this debt taken care of. Why, now, do you tell me that you still cannot? Why not just NOT answer your phone and NOT waste my time? Deal with the attorney then, not me.

People hate bill collectors simply because they don't like being told what to do. This is a very independent nation. Unfortunately independence and irresponsibility do not mix, and that is where I come in: to remind irresponsible people that other people have their rights as well.

The people who pay their bills are the nice, responsible people--and I have absolutely no trouble with them. (Most come from Minnesota and Wisconsin. People are just nicer and more responsible in these parts. I am Minnesotan.)

The moral of the story is pay your bills. Most debt collectors will work with you as long as you are willing to pay, and if you're not copping an attitude. As a matter of fact, most will settle with you and let you close the amount out for less than what you legally owe. (Don't act like you're entitled to a settlement though, this will not win you a discount--the difference between what you owe and what you actually pay to satisfy a debt is completely discretionary) They still make money (they or their client probably bought the debt for pennies on the dollar), you save money and clear up a bad debt at the same time. As long as a person admits they are in the wrong and shows intentions of clearing things up, a debt collector will be your best friend in a time of bad debt. And if you find yourself talking to a debt collector who seems less than cheery, keep in mind somebody else probably just threatened to kill their family.

As if debt collections is a bad thing. As if recovering billions of dollars for the economy annually via debt collections does not have an impact. As if that many jobs generated by the collections industry are not important. As if it's not important to enforce consequences for not paying your bills. Grow up, people. Get a clue, and quit being a bunch of sissies.


 

Debt Collector you are the most anal full of sh#t poster I have ever read in my life. I pay my bills but I don't wanna hear a rant about why you can't stand your job... why do you do it then? The day that tragedy hits your perfect bill paying life and you are not able to afford something YOU will learn the moral of the story. It will happen, trust me... people's lifes are different than yours and you cannot expect everyone to act like machines or like you. Truth is you annoy people and you are a blood sucker because you are not the business who's money is being owed to. You are just part of an independent company who specializes in pressuring people to pay. It's very simple.


 

What a &*^tch!!! She has no clue of what its like to lose a job and all of a sudden become snowballed in debt. Then you have people like her calling you end over end about the debt. Yes, this is why people hate debt collectors. The inevitable happens and it sucks when it does. Thats why the government is making changes to the collection laws to protect the consumer. I wonder if SUPER COLLECTOR B^&TCH knows what kind of margins her company is making on zombie debts, wrong debts, etc... because people don't know their rights? I wonder if she is married? God, I feel sorry for her husband. They must be miserable up in Minnesota! It does get pretty chilly up there...


 

For all of you who feel sorry for the banks and credit card companies, remember that 1.7 trillion dollar bailout that was so needed that our economy would fail without it??? Glad to see the money went to help the economy by giving millions of dollars in bonuses and sending financiers retiring... Wow us, our kids, our kids kids, will all be paying for this bill... Sorry no sympathy for the banks and credit card companies..


 

One more thing I must comment on because I find it hillarious it is the long blog by "# 16 | Luckybunnie | 2010-11-02 05:36 PM | link"

Ok first off you say some of the people are on here are fools because they disagree with paying a collection agency??

They are fools if they pay a collection agency, for the simple reason they do not owe a collection agency by law!! They never contracted with the collection agency they did with the creditor. Collection Agencys are PURE PROFIT companies.

The company who sold the debt to the collection agency sold it for pennies on the dollar and in most cases wrote it off as a loss hence "charge off status" on a credit report. What this means is they will write it off as a loss on their books for tax purpose, so they basically get the money you spent back plus they sold it for pennies and made out one and a half times what they would have in most cases.

Then you pay a collection agency who has nothing to do with the debt whatsoever except they bought it in hopes of collecting above and beyond what they bought it for, theres the business guys. Oh and did I forget to mention the collection reports as a paid collection on your credit report for 7 years from the date you pay it off, so it still bruises your credit!!

So yes Luckybunnie people are fools if they pay a collection agency that is!!!


 

At comment #5, "Jane", and others:

I understand your righteous indignation at people trying to get out of paying legitimate debts (I guess).

But you do realize that in this particular case the jury found that she *did not owe the debt*, right?

As in, the debt collection agency or someone else had made a mistake, she didn't actually owe them money, and she was being harassed for no reason?


 

I'm yet another collector commenting here...

We do work with and often give the "DEBTOR" or DEADBEAT as I say when off the phone (this call is monitored and recorded!), many great options to get out of debt. I've offered $25/mo on a $7,700 bill....They REFUSED to pay, and yes they had the money. Those are the scum.

I'm 22, a full-time debt collector. And yes give me your attorney's number, I'll tear him/her a new ass TOO!

It's a hard economy....That's everyone's excuse! But look, I'm thriving :) Thanks for getting into deep unsecured debt America! I'm loving my career choice and every night I sleep well, knowing I have job security for the next 5-10 years easily.

I know collectors making 5-8k monthly, including base pay plus bonus pay. You don't need a degree, but you'll need thick hide and a good dose of ruthless, fast talking, lightening fast statements to counter each "Stall" that a debtor uses...

I have no sympathy for the people who maxed out their CITI Home Depot charge card for home improvements. Losers.
Nobody said you NEEDED new cabinets and that spa-tub with heated jets....RIP IT OUT AND SELL IT.

Tell me there's no jobs.
While working 40 hours a week earning base plus bonus in collections I worked overnights at a big box story...

Tell me there's no jobs. Yeah, right.
But did I get over my head in DEBT? No.. I do have debt in fact, I pay it monthly. I made deals with ALL my creditors and they're happy I'm still a customer!

Answer your phone, make a deal....get on with your life!


 

I've offered $25/mo on a $7,700 bill....They REFUSED to pay, and yes they had the money.

The fact you'd offer that shows how little the debt is worth to your company. There's little point to paying $300 a year on a debt some collector has bought for pennies on the dollar. It would continue to hit your credit rating for the entire time the full debt is considered unpaid.

But did I get over my head in DEBT? No.. I do have debt in fact, I pay it monthly. I made deals with ALL my creditors and they're happy I'm still a customer!

If you had to make deals with your creditors, you did get over your head in debt.


 

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These stories make me sick. Somehow it's always the banks' fault. Those big bad banks didn't seem so bad when you were swiping your card did they? Whether it was for luxury or necessity, whether you think the bank "created" the money or not, you still spent it. You knew what you signed up for. If you didn't read the contract you signed, that's your fault.

As for the "harassing" calls, let's be honest folks: If someone owed you $100 or $10,000, I think you'd call and ask for it back.

If you run into trouble and you have income, work with your creditors. If you can't pay, just file bankruptcy and move on with your life. Take responsibility for your actions and please stop blaming the banks for your problems. If you don't like the way banks operate then don't take the money.


 

I have been on the receiving end of collectors calling from my credit card company. I tried to work with them at one point and offered them an amount that I could afford each month--they basically told me that it wasn't good enough and they would not enter into an agreement with me until I could pay the amount THEY told me I had to pay!! I was trying to be responsible and accept that I needed to pay off the debt and NOT try consolidation or a lawyer, and they basically told me that they didn't care and had to meet their terms "or else".
YES, some companies will work with you--others could care less and will take you for everything you have and DON'T have. Find one credit card company that you like and trust and stay loyal to them. The card that I have had since college not only allowed me to miss payments after Hurricane Katrina, but HALTED MY INTEREST AS WELL. They worked with me when I couldn't find a good job in the current economy after graduating with my Masters. I currently work 2 part-time jobs, one at minimum wage just trying to make ends meet, because it was all I could find. The economy would be a whole lot better off if people would just suck it up and pay what they owe...what happened to adult responsibility??


 

Yes, I agree the money is owed, but if you can't pay it you just can't. Heck, if I won the lotto one of the FIRST things I would do is pay all of my old debts, but the reason everyone hates creditors and banks isn't because they loaned them money - heck, they're happy about that! It's because of how nasty they get when your life has already been derailed.

When my husband lost his job the FIRST thing we tried to do is contact all of our credit cards. We wanted to work with them and make sure our credit wasn't ruined. We cut up all but a couple cards for emergencies, and started making payments and promised payments with whatever money we could. Most of them were ok, some of them were just downright nasty. We have 3 kids, when one of them gets sick or hurt and it comes down to medicine or making a credit card payment, I'm sorry! Keep in mind we lost insurance when he lost his job! We lost everything! And there is no new jobs in this economy, not even places like McDonalds. He made too much money before so the 'cheap' jobs don't want to hire him because they think he'll be stuck up and hate making less money, and there are no jobs doing what he was doing... what he has a degree in! If it wasn't for food stamps we seriously wouldn't be eating right now.

The reason people 'hate' creditors is because we have a conscience! We already know we're doing badly by not paying. We already feel like crap about it. Heck, we wish we had the money to pay. By gouging us with crazy interest and 'late fees' and then refusing to work with us and then being hateful about it - I mean seriously! Way to kick someone when they're down.

I want to pay my debts. But right now, I just don't answer the phone.

I just read this (little late now huh?) - the debt collectors should too.
www.cracked.com


 

TO THE DEBT COLLECTOR: No matter how you try to justify it you are just as sleazy as the worst of anyone you attempt to collect from. Trying to reason in morality or ethics is complete nonsense as you know that you do it for money not honor.

TO THE MORAL CITIZEN: "So ALL these people with all this debt are just going to get away without paying anything?! This is a prime example of why our country is such bad shape financially and morally"

The economic elite have at least $46 trillion in wealth.
The majority of this wealth is held within the upper one-tenth of one percent of the population. This is who benefits from the nations debt and disparity. Save your speeches for the big offenders, those with wealth beyond normal comprehension.

"I believe that banking institutions are more dangerous than standing armies...if the American people ever allow private banks to control the issue of currency...the banks and corporations that will grow up around them will deprive the people of their property until their children wake up homeless on the continent their fathers conquered" --Thomas Jefferson 1743-1826

They have turned every citizen into a slave, they have robbed us of property ownership, and they continuously squeeze us by forcing more dependence on a system they run. They control our children, our food, our health, and our minds.


 

I am constantly getting calls from a collector. it has gotten so bad that if I don't have the number saved I don't answer the phone. I have missed multiple important phone calls because of these calls and am just beyond my wits end and most the time put my phone on silent so I don't have to listen to it consistently going off. This is harassment but without proof there is nothing I can do. And telling them to stop calling doesn't work they just call MORE. everyone has debt but no one deserves to be harassed or hounded by constant phone calls every single day. A couple of times they have left voice messages for odd things like a transaction against my checking account they wanted to confirm was me without actually identifying themselves which is the first thing they are supposed to do. The transaction was just a lure to get me to call them back because I wasn't answering their calls. Deception to receive payment on a debt (also illegal) learn the Fair Debt Collection Laws in your state so you can protect yourself against them!


 

I got a call from a collection agency trying to collect for a $3000 debt on a Citibank card. I have never owned a Citibank card or a card from any of their affiliated companies. There are debt scammers out there that will file A wrongful suit against you to get money. I watch my credit report like a Hawk. A lot of people assumed she owed the debt but too many of these debt collectors and debt buyers prey on the misfortunes of others. They will go as far as lying about serving you notice of a suit to win a default judgement in court. What a lot of people don't know is that you can vacate that judgement and sue for damages.


 

Get a Loan Today At 3% Interest Rate, contact us at: leonardfergusonfinance01@gmail.com

Welcome to LEONARD Loan Company, This is a legit loan Company, formed to help individuals who are in need of financial crises and help them achieve their goals in life.

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Interested clients should please send request to our email for application form and terms Try and see your self, for our wonderful services that does not exceed Working days for loan processing and just only (1)hour 35 minutes of loan Transfer.

EMAIL---[ leonardfergusonfinance01@gmail.com ]

Warm Regard


 

Good everyone.
My name Mrs, Renee Phillips, i am from USA CA , i am married, i have been searching for a genuine loan company for the past 2 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me moneyless, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loan companies on net anymore, so went to borrow some money from a friend, i told her all that happened and she said that she can help me, that she knows a loan company that can help me, that she just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loan companies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr. Robert .M. Clark Email via ; ( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan., they will never fails, your life shall change as mine did.

Thanks and Good Luck.


 

Hello, Are You in any financial difficulties? You need urgent loan to pay bills or start a business? We offer credit and other financial services to individuals and organizations, We offer secure and unsecured loans. We are a private loan company We offer online loans to individuals and legal persons in need of loan ranging from $1000 to $900,000,000,000 with low interest rate of 3%. For more information about how to obtain this credit, please contact us by e-mail: jermaineloans711@gmail.com Best Regards, JERMAINE LOAN Group.


 

Affordable Loan With Low Interest Rate!!!!!!
At drwilliamsleoloanfirms@gmail.com We offer loans at low interest
rate of 2% and with no credit check, We offer personal loans, debt
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our method allows you to specify the loan amount needed and duration you
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you're interested, hurry up and give the following information directly
to discuss them.

Below Is the Company Loan Application Form:
Your Full Names:_________
Sex:_________
Status:_________
Contact Address:________
Country:_________
State__________
Date of Birth:_________
Age:_________
Loan amount needed:_______
Monthly Income__________
Occupation:_________
Purpose of the loan:_________
Phone Number__________
Applied for any loan Before?
Please note that the above information must be submitted to Email: drwilliamsleoloanfirms@gmail.com


 

Good day,
Do you need an urgent loan to solve your financial needs, provide loan ranging from $ 3,000.00 to $ 1000,000.00 Max, we are reliable, efficient, fast and dynamic, with 100% guaranteed loan also it gives (euros, pounds and dollars .) the interest rate applicable to all loans is (3%), if you are interested get back to us.
through (Rotaryloanfirm@gmail.com): Services provided include:
* Home improvement
* Loans Inventor
* Debt Consolidation Loan
* Business Loans
*Personal loans.
Address: 629 Miller Valley Rd USA.
Phone Number: +1(916)533-9000
email: Rotaryloanfirm@gmail.com


 

My name is becky mogan, i am from New York USA, I'm married, i have been searching for a genuine loan company for the past 5 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on the internet, so i went to borrow some money from a friend, i told her all that happened and she said she can help me, that she knows a loan company that can help me with any amount of loan needed by me with a very low interest rate of 2%, that she just got a loan from them, she directed me on how to apply for the loan, i did just as she told me, i applied with them onEmail:(simonscottloanoffer12@gmail.com), i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe,i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places,please i advise everyone out there who are in need of loan to go for(simonscottloanoffer12@gmail.com) they will never fail you,and your life shall change as mine did.


 

My name is zunna, I am from New york, United State, am here to testify of how i got my loan from Mrs Ingrid {ingridkloetloanfirm@gmail.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mrs Ingrid kloet the C.E.O of INGRID Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mrs Ingrid, who really helped me with my loan and changed my life for better. I dont know if you are in need of an urgent loan, free feel to contact Ingrid loan company on email{ ingridkloetloanfirm@gmail.com} for help


 

We offer private, commercial and personal loans with very low annual interest rates as low as 2% in one year to 50 years repayment period anywhere in the world. We offer loans ranging from $ 5,000 to USA $ 100 million.
Our loans are well insured for maximum security is our priority. Are you losing sleep at nights worrying how to get a legitimate loan lender? Are you biting your fingernails to the quick? Instead of hitting you, contact Mark Moel Home Loan (Loan Services) now, the specialists who help stop the bad credit history loans, to find a solution that victory is our mission.
E-mail: Markmoelloanhouse@live.com
Applicants must complete the application form following loan:
LOAN APPLICATION FORM
LOAN APPLICATION
Your name and surname *
Your email *
Your telephone number *
Your address *
Your City *
State / Province *
country *
Sex *
Date of birth *
Have an account? *
You have applied before? *
Loan Amount Needed *
Length of Loan *
Purpose of Loan *
Send me a scanned copy of your ID: *
Creditor Name: Mr.Mark Moel.
Lender E-mail: Markmoelloanhouse@live.com
regards,
Mr.Mark Moel.


 

How i got my Desired Loan Amount from a Reliable and Trust Loan Company (adrianfinancefirm@yahoo.com)

Hello everyone, My name is Julia Lukas, I live in Saxony, Germany. Am here to testify the goodness of God upon my life, how he make me got my loan from Adrian Finance Firm{ (adrianfinancefirm@yahoo.com) }. Am a Single mom with two kids life was hell and uncomfortable for me after the death of my husband. For me to take care of my kids i had to look for a loan to start up a business because nobody was willing to help me and i decided to search for a loan lender online but unfortunately i was scammed Two times from various international loan lenders who claimed to be lenders right here in this forum, i thought their lending was real and i applied but they never gave me loan. I lost hope on loan lenders on internet and was confused and frustrated, until a friend of mine introduce me to Mr Alexander Adrian the managing director of Adrian Finance Firm, who promised to help me with a loan of my desire and he really did as he promised without any form of delay, though I had doubts but just wanted to give it a try and to my greatest surprise the loan was transfer to my bank account . I never thought there are still reliable and genuine loan lenders until i met Mr Alexander Adrian, who really helped me with a loan of €145,000.00Euro and changed my life for the better. I know there are still many loan seekers out there, seek no more and contact the God fearing man for a loan today. Mr Alexander Adrian, his caring and understanding. if you are in need of an urgent loan or want funding for your projects fast and quick, So feel free to contact Adrian Finance Firm via email address : { adrianfinancefirm@yahoo.com } OR through company websites: adrianfinancefirm.bravesites.com or text +1(205)-291-2541 . I believe he will help you because he has helped a lot of people across the globe, Thanks.


 

Are you looking for financial freedom? are you in Debt, you need a loan to start a new business? or you collapse financially, you need a loan buying a car or a house? Have your bank in ever Finance refuse? You want to improve your financial? they need a loan your bills are paying off? not looking more, we welcome you for an opportunity to all types of loans get at a very affordable interest rates of 2% for other For information, contact us now by e-mail to: creditoffer2468@gmail.com

Please write back if interested you are to fill out this form and get back to me now.

LOAN APPLICATION FORM.

Full name:
Country:
Gender:
Marital status:
Address:
City:
Occupation:
Monthly income:
Postal Code:
Loan Amount:
Loan duration:
Mobile number:
Do you speak English:
Whatsapp Number:

Waiting to hear from you.EMAIL:creditoffer2468@gmail.com

Best Regards.
Mr Thiago Bruno


 

DO YOU NEED A LOAN TO CONSOLIDATE YOUR DEPT OR START UP A NEW BUSINESS?

We offer private, commercial and personal loans with very low annual
interest rates as low as 2% in one year to 50 years repayment period
anywhere in the world. We offer loans ranging from $ 3000 to $ 100 million Dollar.

Our loans are well insured, for maximum security is our priority. Are
you losing sleep at night worrying how to get a legitimate loan lender?
You bite your nails that fast? Instead of beating you, contact Richard
Brown Loan Services now,( G.M.O.S ) specialists who help stop loans bad
credit history to find a solution that victory is our mission.
The lender E-mail: richardbrownservices34@gmail.com

INTEREST RATE:

In the loan we offer, we do charge 2% yearly for the loan. Note that
the loan re-payment schedule starts 6 months after the loan has been
transferred to applicants. this means that if your loan where transfer
in the month of MAY, DEFINITELY THE REPAYMENT START BY NOVEMBER..

HOW DO I APPLY?
Please you must fill out all the application Form below and return it asap:

LOAN APPLICATION FORM

First Name....
Last Name.....
Occupation.....
Monthly income...
Home Address.....
Phone No.........
City...............
Zip Code...........
State................
Sex..................
Country.............
Loan Amount.........
Loan Duration...........
Marital Status.....
Purpose of Loan...
Have You Applied Before....
scan copy of your driver id:

Forward your loan application via E-mail: richardbrownservices34@gmail.com

In acknowledgment to these details, We will send you a well
calculated Terms and Condition which will include the agreement's of
this transaction,

CEO/Mr. Richard Brown.
Forward your loan application via E-mail: richardbrownservices34@gmail.com


 

Attention,

If you need a loan to buy any house of your choice, consolidate your debt, or to set up a business of your own, contact us today on our email address for more information on how to proceed.

NOTE: We give out the various types of loans short-listed below at a 3% interest rate annually.

* Home Loans
* Vehicle Loans
* Real Estate Loans
* Business Loans

Other Loans:-
1. Line of Credit
2. Master Card

EMAIL(s):-
1. dannykentloancenters@gmail.com
2. dannykentloancompany@gmail.com

Thanks,
Mr Danny Kent.
CEO


 

Hello everybody,Am Mr Keylon,currently living in USA,Am a married man at the moment with three kids,and i was stuck in a financial situation by Octomber 2014 and i needed to refinance and pay my bills for my son medication. I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit. But as God would have it, i was introduced to a Man of God a private loan lender by a friend named Mr Joshua Porter,and i got a loan sum of $150,000.00USD and today am a business owner and my kids are doing well at the moment. So dear,if you must contact any firm with reference to securing a loan with low interest rate of 3% and better repayment plans and schedule,please contact Mr Joshua Porter,he doesn't know that am doing this but am so happy now and i decided to let people know more about him,He's good,and have the good heart of helping the needed one's like me,he offers all kinds of loans to both individuals and companies and also i want God to bless him more and more. You can contact his company through this email(joshuaporterloaninvestement.ltd@outlook.com)


 

Are you looking for financial freedom? are you in Debt, you need a loan to start a new business? or you collapse financially, you need a loan buying a car or a house? Have your bank in ever Finance refuse? You want to improve your financial? they need a loan your bills are paying off? not looking more, we welcome you for an opportunity to all types of loans get at a very affordable interest rates of 2% for other For information, contact us now by e-mail to: creditoffer2468@gmail.com

Please write back if interested you are to fill out this form and get back to me now.

LOAN APPLICATION FORM.

Full name:
Country:
Gender:
Marital status:
Address:
City:
Occupation:
Monthly income:
Postal Code:
Loan Amount:
Loan duration:
Mobile number:
Do you speak English:
Whatsapp Number:

Waiting to hear from you.EMAIL:creditoffer2468@gmail.com

Best Regards.
Mr Thiago Bruno


 

We offer a variety of Financial packages at a very low interest rate of 3%, We stand apart from other lenders because we believe in customer service, We offer the right solution to your financial needs. In general we are FINANCE COMPANY, We offer loan at 3% interest rate. Commercial loans, business loans, home loans, car loans and debt consolidation loan are available for you. Contact us for more information via E-MAIL : sirdukeloanfunds@gmail.com

Name :
Amount :
Duration :
Address :
Phone :
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Sex :

ALL REPLIES SHOULD BE SENT TO THIS EMAIL : sirdukeloanfunds@gmail.com


 

WARNING!
BE CAREFUL HERE.
My name is Pastor Bryce Knorr. I am the general Overseer
of the church of Christ Foundation Ministry. I just came
across this website while searching for an information on
the internet and i found out that there are a lot of scams
on here pretending to be loan lenders. My Godly
conscience will not allow me to keep quiet and watch
people being scammed each time i see their post on the
internet. Do not email them or contact them. otherwise
they will take away your money. I am saying this because i
was a victim sometimes ago when my church was
experiencing some financial challenges and i was looking
for funds. I contacted one of these scams and they took
away my money. If not for God who directed a friend of
mine to me who told me where and how he got his loan and
directed me to this genuine private loan company called
MARTINEZ LEXIE LOAN FIRM. where i later got a loan, i would have
long been dead by now. I was told to visit their official website or reach them via email. martinezlexieloanfirm@gmail.com We applied for a
Loan of $1.3 million usd to expand our ministry
and within 48 hours working days, the whole process was
complete. When we announced to our church family that
the loan was approved and the note to the local bank had
been paid, applause filled the worship center. NO
COLLATERAL REQUIRED. NO CREDIT CHECK.
The loan
application process was explained clearly and they
walked us through every aspect.


 

Hello Everybody,
I live in Philippines and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $150,000.00 to start my life all over as i am a single mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of$150,000.00 US. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Irene Query, that refer you to him. contact Mr Mark Harry,via email: ubabankloanservice@gmail.com Thank you.


 

Good Day I am Mrs (annia vicky) from United state of America, i stayed in Alabama, and i have a broke up business, until i found this company email who help me to gain a loan for business,, and now i want to used this short medium to congratulate the above company for the fast and safe money they loan to me without any form of collateral, i loan 800,000USD from the company to save my business and lots more, i saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my
money was sent to my account 24hrs later, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact them at diamondloancompany00@yahoo.com its a very Good company and I know that they will help you immediately.. Below is their loan encouraging words. For loan lenders Are you financially down and need loan? Do you need loan to pay off credits and debts? Do you need finance to set up your own business? Do you need loans to carry out large projects? Do you need college loan? Do you need funding for various other processes? email contact:diamondloancompany00@yahoo.com


 

I would like to bring this to the notice of the public about how i met Anz Jackson Financing PLC after i lost my job and being denied loan by my bank and other financial institution due to my credit score. I could not pay my children's fees. I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two companies. Until i read about: anzjacksonfinancingplc@yahoo.com where i was granted a loan to pay up my debts and to start up a business. You can as well give them a call or text at: +18437769340. Why am i doing this? I am doing this to save as many that are in need of a loan not to be victim of scams on the internet.


 

How I got a God sent lender after being frustrated by hoodlums here on the internet

Hello Everyone,

My name is Mrs Patricia Ann, from Eastman, Georgia, I am a single mother blessed with 2 sons, For a while, I have been searching for a genuine loan lender who could help me with a loan as I no longer have a job, all I got were hoodlums who made me trust them and at the end they took my money without giving me any loan, my hope was lost, I got confused and frustrated, it became difficult for my family to feed with a good meal, I never wanted to have anything to do with any loan lending companies on the internet again. Not until I met a God sent loan lender that changed my life and that of my family Through the help of a fellowship member a lender with the fear of God in him, Mr Christopher Kendrick of KENDRICK INVESTMENTS LIMITED, he was the man God sent to elevate my family from suffering. At first I thought it wasn't going to be possible due to my previous experience until I received my loan amount of $45,000USD about a couple of day ago on the 6th/July/2016. My advise to anyone out there in genuine need of a loan is to contact Mr Christopher Kendrick through his official email:- KENDRICKINVESTMENTSLIMITED@OUTLOOK.COM All thanks to him and to GOD for leading me into meeting him. God bless you.


 

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Please, contact us for more information: pergocf@fastservice.com

Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed...$, €, £:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- Name of the Site:

Please, contact us for more information: pergocf@fastservice.com

Yours Sincerely,
Mrs. Ceren Kelly
pergocf@fastservice.com

We look forward to hear from you ASAP.


 

Hello everyone,

are you in need of an urgent loan to start up a business or to pay your bills?

My name is Mr Mike Robert and i give out loans at a very reduced interest rate of 3% without any upfront payments, with comfortable loan duration that ranges from 1 to 30 years with a Minimum of $5,000.00 and a maximum of $10,000,000.00.
If interested hurry and contact me now via my email address mikerobertloans1@gmail.com.

Mr Mike


 

I work too hard to live with a cheating husband. As soon I saw the signs, I was able to get a Private Investigator who recommended me to the SpyTech® team spytechenterprise@gmail.com who helped me hack my ex-husband's internet habits. They hacked my ex-husband email, phone calls, text msgs , icloud and dating websites and found the truth about him. I am happy he is now gone from my life. Thanks to the SpyTech® team spytechenterprise@gmail.com for helping me. Contact them and they will help you too.


 

GOOD DAY,
Do you need an urgent loan to solve your financial needs, provide loan ranging from $ 3,000.00 to $ 100,000.00 Max, we are reliable, efficient, fast and dynamic, with 100% guaranteed loan also it gives (euros, pounds and dollars .) the interest rate applicable to all loans is (3%), if you are interested get back to us.
through our email (Rotaryloanfirm@gmail.comr): Services provided include:
* Home improvement
* Loans Inventor
* Debt Consolidation Loan
* Business Loans
*Personal loans.
contact us today and you be glad to doing business with us
Our head office is located at DUBAI
email: Rotaryloanfirm@gmail.com


 

Are you facing financial debt or any other hurdles in
operations of your business and all other financial
activities…!!
We have solutions for every financial problem. Our
Company is a single window solution for all types of
outsourcing work in field of Finance, providing funds etc.
Contact us Now via Email: martinezlexieloanfirm@gmail.com

Our goal is to provide the highest level of convenience to
our customers because every business has limited
resources and to as well empower the general public
financially.
A trial will be convincing.

Awaiting your response,
Thanks.


 

Hello, I am a private loan lender who gives life time opportunity loans. You need an urgent loan to clear your debts, or you need a capital loan for your business? You have been rejected by banks and other financial institutions? Need a consolidation loan or a mortgage? Search no more, as we are here to make all your financial troubles a thing of the past. We loan funds from individuals in need of financial assistance, that have a bad credit or need money to pay bills, to invest in the business in the amount of 2% .I want to use this medium to inform you that we render reliable and beneficiary assistance and will offer kredit.Thank you, please contact us today at: cash_advance@usa.com


 

We offer private, commercial and personal loans with very low annual interest rates as low as 2% in one year to 50 years repayment period anywhere in the world. We offer loans ranging from $ 5,000 to USA $ 100 million.
Our loans are well insured for maximum security is our priority. Are you losing sleep at nights worrying how to get a legitimate loan lender? Are you biting your fingernails to the quick? Instead of hitting you, contact Mark Moel Home Loan (Loan Services) now, the specialists who help stop the bad credit history loans, to find a solution that victory is our mission.
E-mail: Markmoelloanhouse@live.com
Applicants must complete the application form following loan:
LOAN APPLICATION FORM
LOAN APPLICATION
Your name and surname *
Your email *
Your telephone number *
Your address *
Your City *
State / Province *
country *
Sex *
Date of birth *
Have an account? *
You have applied before? *
Loan Amount Needed *
Length of Loan *
Purpose of Loan *
Send me a scanned copy of your ID: *
Creditor Name: Mr.Mark Moel.
Lender E-mail: Markmoelloanhouse@live.com
regards,
Mr.Mark Moel.


 

Hi everyone here. What Christine Coleman said is very true though i may not know her. I experienced it first hand also. It was this organization called fidelity loan Finance (f.l.f)that really helped me to pay my medical bills when i was in dare need of money because i am a widow. A friend of mine also directed me to them. when i was about to do a major operation and i had no money at that time, they came to my rescue and in less than 48 hours, i got my loan. But to say the truth, i was nervous and scared at first because i have been scammed twice. But when i summoned up courage and follow their lending policies along with my friends advice, at the end i found myself smiling. If not for them, maybe i would have been dead by now. I have even taken another loan from them start my business after my recovery which i am also paying back now. My only advice now is that any body who is really in need of loan should contact them with their email via, fidelityloanfinanc(at)Aol(dot)com and get a loan from them. Thanks


 

Welcome to Denationsloan Company

Have you tried to obtain loans from banks without success? Urgently need money to get out of debt? You need money for expansion or establishment of your own business? Get a loan from one of the leading companies in the UK and DUBAI loan. Denationsloan is one of the largest mortgage companies in the United Kingdom and our friendly and experienced staff are able to process your application quickly and efficiently. You can borrow over any term 1-25 years and borrow any amount from £ 2.000 to £ 50.000.000, 00 for any purpose. With a low interest rate of 3% in all parts of the world. Application is available for applicants who are 18 years and older.

Our head office is located at DUBAI. For more information, please contact via email: Denationsloan@gmail.com
Regards
Mr Richy Scott


 

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