Comments on: Public Library Goon Squad http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/ Mon, 14 Dec 2009 05:37:55 +0000 http://wordpress.com/ hourly 1 By: Credit Debt Collections Help http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-2891 Credit Debt Collections Help Wed, 14 May 2008 18:27:34 +0000 https://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-2891 Use the laws that protect you - the Fair Debt Collection Practices Act. You can send a Cease & Desist, and that may stop the calls, but it may be at your expense. Most collectors forward accounts to attorneys upon receiving these. Use the laws that protect you – the Fair Debt Collection Practices Act. You can send a Cease & Desist, and that may stop the calls, but it may be at your expense. Most collectors forward accounts to attorneys upon receiving these.

]]> By: kelly http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-2890 kelly Sun, 11 May 2008 18:26:08 +0000 https://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-2890 I am dealing with the same thing over a 13.00 fine. My biggest problem is that they are sending me these threating letters to collect their money and it yet they are funded by taxpayers. How much more money do they need??? I am dealing with the same thing over a 13.00 fine. My biggest problem is that they are sending me these threating letters to collect their money and it yet they are funded by taxpayers. How much more money do they need???

]]> By: debt collection agency http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-2879 debt collection agency Sun, 17 Feb 2008 19:39:35 +0000 https://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-2879 I wanted to thank you for taking the time to write this post. I found it to be very helpful as I can relate to this very well. I look forward to you writing again. Thanks. I wanted to thank you for taking the time to write this post. I found it to be very helpful as I can relate to this very well. I look forward to you writing again. Thanks.

]]> By: Tim Reynolds http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-2878 Tim Reynolds Thu, 14 Feb 2008 14:30:15 +0000 https://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-2878 It is important to understand the laws related to debt collection. Most debt collectors are violating your rights. It is important to understand the laws related to debt collection. Most debt collectors are violating your rights.

]]> By: Debt Settlement Lawyer http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-1260 Debt Settlement Lawyer Fri, 27 Apr 2007 18:42:32 +0000 https://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-1260 Under the FDCPA collectors must not call you if you have attorney representation. They must also not call you before 9 or after 5 during the week. If you send them a cease and disist letter they must not call your work. Don't let yourself get abused by these people. And never give them any personal information they will just use it against you later to collect money from you. Oh and one more thing it is illegal for a collector to threaten to sue you unless they are indeed actually doing it. Many will just use that as a threat to get you to send them money. Under the FDCPA collectors must not call you if you have attorney representation. They must also not call you before 9 or after 5 during the week. If you send them a cease and disist letter they must not call your work. Don’t let yourself get abused by these people. And never give them any personal information they will just use it against you later to collect money from you. Oh and one more thing it is illegal for a collector to threaten to sue you unless they are indeed actually doing it. Many will just use that as a threat to get you to send them money.

]]> By: Anton http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-1168 Anton Sun, 15 Apr 2007 18:58:41 +0000 https://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-1168 I recently received one of those "gentle nudge" letters from UMS. A friend of mine was able to obtain a copy of my account profile simply by calling UMS and asking for it. The profile includes fields for DOB and SSN as well as address and phone number. The next day UMS faxed him the entire list of patrons owing fines at my local library. The scary thing is that UMS also goes after child library patrons under 18. So a child's info can end up in anyone's hands. My library does not inform patrons that register for a card that their private data can be released to a collection agency. There should be some kind of Miranda-type waiver advising a patron how the library will use their information. I recently received one of those “gentle nudge” letters from UMS. A friend of mine was able to obtain a copy of my account profile simply by calling UMS and asking for it. The profile includes fields for DOB and SSN as well as address and phone number. The next day UMS faxed him the entire list of patrons owing fines at my local library. The scary thing is that UMS also goes after child library patrons under 18. So a child’s info can end up in anyone’s hands.

My library does not inform patrons that register for a card that their private data can be released to a collection agency. There should be some kind of Miranda-type waiver advising a patron how the library will use their information.

]]> By: WInston http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-913 WInston Fri, 09 Mar 2007 22:38:02 +0000 https://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-913 I am being billed $3.50 for returning a few magazines to the library all of 5 days late back in 1993 and 1995. I think there should be a statute of limitations on the debt. The library would probably want to compound the interest. I mean, if the materials were returned should not their be a statute of limitations on such a minor amount. It's heavy handedness like this that causes people to totally lose faith in our institutions and society, especially the so-called "noble" institutions.... I am being billed $3.50 for returning a few magazines to the library all of 5 days late back in 1993 and 1995. I think there should be a statute of limitations on the debt. The library would probably want to compound the interest.

I mean, if the materials were returned should not their be a statute of limitations on such a minor amount.

It’s heavy handedness like this that causes people to totally lose faith in our institutions and society, especially the so-called “noble” institutions….

]]> By: Rolf - Audio Books Fan http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-806 Rolf - Audio Books Fan Thu, 15 Feb 2007 10:59:22 +0000 https://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-806 It's quite unreal how some administrations could not care less about their patrons..... I used to go to libraries and get my books regularly, but since I start listening to audiobooks more than actually reading them, I stopped using the library. Seems like a good thing! It’s quite unreal how some administrations could not care less about their patrons…..
I used to go to libraries and get my books regularly, but since I start listening to audiobooks more than actually reading them, I stopped using the library. Seems like a good thing!

]]> By: Lillian http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-289 Lillian Mon, 25 Dec 2006 01:35:03 +0000 https://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-289 Unique Management left a scathing negative on my credit report. The library tells me I have a $0 balance and promised to contact Unique Collections, but one year later, the negative rating is still on my credit report. Unique Management never contacted me by phone to bring this to my attention, and I NEVER received any notice of overdue/missing. Once I found out, when I actually walked into the library, I paid for the fine completely. It is very sad when a collection agency can do so much damage to your credit report and unfairly, for I was not contacted. I have once again written the library, and I will write the appropriate agencies if necessary, or bring this matter to the media if the bad mark is not removed. Lillian Unique Management left a scathing negative on my credit report. The library tells me I have a $0 balance and promised to contact Unique Collections, but one year later, the negative rating is still on my credit report. Unique Management never contacted me by phone to bring this to my attention, and I NEVER received any notice of overdue/missing. Once I found out, when I actually walked into the library, I paid for the fine completely.

It is very sad when a collection agency can do so much damage to your credit report and unfairly, for I was not contacted. I have once again written the library, and I will write the appropriate agencies if necessary, or bring this matter to the media if the bad mark is not removed.

Lillian

]]> By: jtories http://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-187 jtories Sat, 09 Dec 2006 03:37:11 +0000 https://anneandper.wordpress.com/2006/08/01/public-library-goon-squad/#comment-187 Ask any collection agency owner what they fear most and they will tell you a well-educated consumer. The Fair Debt Collection Practices Act (FDCPA) is a great tool to help the educated consumer navigate collection laws but most attorneys don’t even understand the law, so how could anyone expect you to understand the law? If you want the best explanation of the FDCPA as well as the easiest way out of debt go to www.beatthecollector.com and stick it to the man! Ask any collection agency owner what they fear most and they will tell you a well-educated consumer. The Fair Debt Collection Practices Act (FDCPA) is a great tool to help the educated consumer navigate collection laws but most attorneys don’t even understand the law, so how could anyone expect you to understand the law? If you want the best explanation of the FDCPA as well as the easiest way out of debt go to http://www.beatthecollector.com and stick it to the man!

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