Hunter Warfield
Reviews and Complaints

No problem TLF. I hate spammers as much as you do but my constant re-posting here was NOT intentional. The Complaint board website must be having some server issues.

AGAIN I am not intentionally trying to spam my comments repeatedly. I should have never kept hitting the "submit" button and should have waited unil the issue was resolved. That's my fault sorrry.

To Here We Go Again:

1st of all I am NOT you're "darlin".

2nd the original post was about an allegedly "rude" collector who was supposedly cursing at the secretary which is "illegal". If this was true why didn't she request to speak with someone in charge to listen to the recorded call.

The following statement you made is correct:

"I know that a collector must state the reason they are calling and advise that they are attempting to collect a debt. They are also required to state what the debt is for and be ready to show proof of a valid debt".

BUT if you were a collector you know full well that they CAN NOT disclose your personal biz to your employer or any other 3rd party unless the debtor gave permission. This debtor KNEW what it was about but chose like many debtors to do things her way which most often than not ends up working against them.

I am in agreement with you that there are some collection agencies who don't give proper info especially if their client wasn't forth coming with all the documents but AGAIN my WHOLE point in the post was if she REALLY had a hard time with the collector why didn't she simply talk to a manager instead?

It seems to me she made it harder on herself by trying to dictate how she was going to handle the account.

Hey LoveFistV:

I wasn't SPAMMING as you say if you ever bothered to READ what happened you can CLEARLY see I was having trouble posting my comments. Nothing was coming up.

You accuse me of ASSUMING with my comments but here you go doing the same thing. READ BEFORE POSTING SIR!

Nope. Same result. Funny thing is I did a long paragraph at the top of the posts and it took it.

To lorelei2121:

Let me start off by saying when a call with a debt collector gets out of hand you should immediately request to speak to a manager. If a collector was cursing or started "losing" it as you say then that is when the conversation ceases and you demand to speak to someone in charge.

The calls are monitored and recorded at most collection agencies which the collector is supposed to tell you at the beginning of every call. It's referred to as the "mini-miranda". You stated the collector used profanity with the secretary at your job then why didn't you demand to talk to their manager? If it's true what they did then it should be easily proven through the recorded call.

A debt collector can't disclose to your employer, family, friends etc the REAL reason why they are calling otherwise it is a violation of FDCPA 3rd party disclosure. Another words if that debt collector would have told the secretary at your job they were calling to collect a debt he/she would be violating the law. Again if they TRULY were acting unprofessional such as cursing then you should have spoken to their superior to check out the call.

Now to answer questions about your bill. The apt complex and collection agency they hire are only obligated to send one letter to the last known address which is usually the apt you lived at. It is YOUR responsibility to make sure you forwarded your address with the post office. If you didn't receive it that is NOT legally their obligation to make sure you got it. That simple.

As for the two checks you sent them and were returned, contrary to popular belief the collection agency handling the account doesn't have to accept your payment. Think about it. If I owed you $5000 and sent you a check every month for ten bucks would you accept it? Of course not and if you said yes you would be lying to yourself. The arrangement has to be acceptable to both sides NOT just you. You are not a customer and do not have any leverage in dictating how the account is going to be paid.

You stated you tried calling them but it was noisy with alot of traffic outside, so why did you bother calling knowing you or them could hardly hear the conversation? Common sense would tell you that. It seems to me you are making things difficult for yourself for no reason. I would be raising my voice to if you kept telling me you couldn't hear me and there was alot of noise in the background.

Now let me address the Cease and Desist letter you want to send. You do have every right to send one but I must advise the collection agency and their client also has the right to terminate any options that are available to you and seek the appropriate legal remedies in order to collect the debt including reporting the account as a bad debt on your credit report. This means if the apt complex you owe the money to decides to sue you then you could be held responsible for possible court costs, legal fees and interest in the future not to mention if you live in a garnish able State.

So, if you TRULY want to pay this as you say you do then I would call them back and make sure to speak to a manager NOT the collector and setup a suitable payment plan using your checking information. This way the payments are on file and you're showing proof that you're serious about paying.

As a former floor collector I never accepted money orders as a method of monthly payment because that meant I had to chase the debtor down every month to make sure they paid. To be honest with you that was too much hassle and alot of times the debtor would deliberately skip payments for months. By having the payments on file I assured my client that the money was secured. Unless they were paying the balance in full then and ONLY then I would have them either western union the money or send a money order overnight.

Hope this helps you understand a little bit.

I will try it again.

Every time I copy and paste the whole comment the screen refreshes itself but noting is posted.

Is anyone having the same problem?

The arrangement has to be acceptable to both sides NOT just you. You are not a customer and do not have any leverage in dictating how the account is going to be paid.

BRENDA:

I am sorry but this message board is NOT letting me put my WHOLE comment in one paragraph. It only allows two or three lines at a time.

Email me to discuss your options in dealing with them. I have several that will help.

Johndowning01@gmail.com

I have over 8 years experience in this field and a working relationship with a law firm who specializes in cases like yours that may have them PAY YOU!

Maggie:

No one is saying to refuse giving proof. The point is that once proof is given the debt is rarely paid.

Did Mr. Frutiger pay his debt yet? I am sure by now he must of received some type of document showing his signature for the apt he cosigned for his son.

Ignoring debt collection lawsuit can lead to wage garnishment

http://www.creditcards.com/credit-card-news/todd-ossenfort-lawsuit-debt-collection-garnishment-1292.php?aid=46bf5df1

LF I am not the one here defending debtors who make excuses not to pay their bill. When you, Maggie and JRockford get a clue and KNOW what it is to be a debt collector then you can talk to me otherwise you're just like the rest of ignorant America who are clueless about the facts.

This is a country where people will say or do anything to justify their stupid actions and decisions. Then we wonder why we're in so much trouble financially as a country. It's time we hold people in the United States accountable and stop accepting dumb excuses.

Maggie = NEVER been a debt collector but is sarcastic and goes in circles.

LF = NEVER been a debt collector but knows how to curse you out like a debtor. Picks out one paragraph or phrase from your post while ignoring the rest of it.

JRockford = NEVER been a debt collector but doesn't mind if debtors get sued because in his words ALL debt collectors are "###" and uneducated.

Gordon Frutiger = GUARANTEE you he has yet to pay his bill or call the apt complex. ASK him!

Yet I am the bad guy but all these posters are saints. Take a good look America because this is how the typical debtor acts like when dealing with a debt collector on the phone.

Look at Yourself = former debt collector. I am NOT a mind reader just know the habits of debtors. NEVER claimed to know it all. Simply stating facts from my experience in th industry.

More name calling LF? Is that ALL you got to comeback with? How sad the typical ignorant person you are, using childish attacks. You keep picking out one little paragraph or phrase that I post and respond with name calling while ignoring my other valid points.

Keep it up sir because in the end the ONLY person looking foolish here will be you.

LF's last post:

"And another assumption by you about me that is completely wrong. You can ### off now".

Thank you for proving my point because it is EXACTLY how a debtor finishes a phone call when they KNOW the facts have been presented and don't know how to respond to it.

Can't handle the heat LF or the links I post? Then DON'T botther participating in a discussion if you CAN'T accept what is being told to you. AGAIN I am not surprised at your dumb response. It's the same everyday reaction ignorant Americans give to debt collectors when they choose to go on what they "feel" is right instead of the FACTS of the matter.

To follow up on my last post, here are a couple of links of what might possibly happen to you in some States if you choose to ignore your debt and the courts.

http://money.msn.com/credit-rating/article.aspx?post=bf5c3932-1d21-436f-b20f-093e0da61b6c

http://www.creditcards.com/credit-card-news/todd-ossenfort-lawsuit-debt-collection-garnishment-1292.php?aid=46bf5df1

Mr. JRockford will happen to make you believe otherwise.

LF you have no clue about debt collection. You KEEP missing the point. I don't whine, I just KNOW both sides of the fence which you only see one.

I am not on here like you who has never been in collections defending debtors who make excuses for their dumb decisions. I CAN say I know both the debtor side and the collector side. Can you? NO because you've never experienced being a collector. So stop acting like I'm contradicting myself. It's YOU and others on here that can't accept the truth but claim to know it all like JRockford. He rather suggest people to get sued because in his words all collectors are "###".

Talk about being ignorant.

I don't play games sir. I KNOW what I am talking about but unfortunately the ignorance in this country always gets in the way because people just DON'T bother to really get both sides of the story.

It's easy to get on here and complain about a rude debt collector or agency but how do we REALLY know they are telling the truth? Did you hear the conversation yourselves? Of course not bcause you are only hearing one side of the story.

I DO KNOW that when debtors get on here whining about rude collectors I always wonder and say, "well what did you do? Because I don't believe for a second you were saint either"

AGAIN LET ME REPEAT because I know posters who argue with me DON'T read what I post.

I am not saying all apartment complexes or collection agencies, debt collectors are always right because they DO make mistakes and some sadly even break laws which I DON'T condone. They need to be shutdown for their illegal tactics but at the end of the day this is STILL about RESPONSIBILITY on both sides of the fence.

You see from my experience LF when I was a floor collector there were times the debtor would make complaints about me to my manager or to our client but fortunately the calls were always recorded which the debtor always forgot about even though I would CLEARLY mention it BEFORE we started talking about the debt.

As soon as my manager or the client would tell them they reviewed the call and there were no violations the debtor immediately had their tale between their legs and all of sudden wanted to work something out because they knew their lies were exposed. I saw this happen over and over to other collectors as well where they did nothing wrong but the debtor ended up making false accusations.

It's an old trick that is used by debtors to this day. So this is why I say that I know NOT everyone on here complaining is telling the truth. Heck I still have friends at different CA's including HWI and I can tell you debtors LIE and will makeup any story to get out of the debt because they DON'T bother to read what they legally signed. That's a FACT.

When will people in this country finally hold themselves accountable for their own decisions, stupidity and mistakes and STOP making excuses?

Hunter Warfield has reported inaccurate account information to the CRA's. I've informed them of this multiple times via email and regular mail and still no change. Neither, have the account been removed from my credit report.

I agree. Hunter Warfield employees are rude! I wish they would try to pull that stuff on me, I'd put them in their place. Nothing like a low life trying to collect money when they don't have a clue what the circumstances are behind the debt. Maybe their client is in error and the person really does not owe anything! Every thought of that. An accounting mistake, a blame of something that was not their fault, etc.

To raleigh, north carolina:

Once AGAIN I have to point out the misconception debtors portray on these message boards when it comes to dealing with debt collectors.

You are NOT a customer and there is no such thing as customer service at a collection agency. There is no customer service department for debtors. The ONLY customers are the clients that hire the collection agency to collect your debt. THAT'S IT!

Now let me be clear just because CA's are not customer service when you call it doesn't give them the right to treat you like crap either. I don't condone ruthless collectors or agencies but let's be real here can we? Attitude goes both ways. You being saved has nothing to do with your debt or the CA you're dealing with.

You said they were telling you how the debt will hurt you in the future and how you didn't want to hear it. Well, it's people like you with that type of attitude who will call a collection agency a year from now complaining that their property debt is stopping them from getting something they need.

Many debtors CLAIM they want to work "something" out when calling in but the truth is the debtor wants to dictate how and when their debt is going to be paid by offering $50 bucks a month on a $5000 bill and mailing it in when they feel like it. They forget the collection agency is going by what their clients want them to do.

As for getting a receipt you can always get it online. Many collection agencies today give debtors access to their website to print out a receipt. I am sure if you ask a manager they will give you the URL address or just type in the name of the collection agency through Google and it will come up.

At the end of the day you only have yourself to blame for allowing your unpaid bill to get this far.

Ignoring debt collection lawsuit can lead to wage garnishment

http://www.creditcards.com/credit-card-news/todd-ossenfort-lawsuit-debt-collection-garnishment-1292.php?aid=46bf5df1

Here are a couple of videos that I found on Youtube which CLEARLY shows what NOT to do with your apt and what people can do when handling disputes with their landlord.

Tenant vs Landlord Disputes - The REAL Truth Behind
http://www.youtube.com/watch?v=P7sRGUNzruI

WWBT Story on Landlord-Tenant Disputes (EXCELLENT VIDEO)
http://www.youtube.com/watch?v=J31z4n9gsg4&feature=related

To Lasmooth:

Attitude goes both ways kid because as soon as I hear someone say the charges are "bogus" and start putting down the person collecting a valid debt I immediately know 9 times out of 10 they're out of gas.

Oh and just to clarify just because you mention you have a lawyer doesn't scare many collection agencies today. Maybe 10 years ago it did but not now. With all the technology we have today a collection agency can validate a debt very quickly. Only the scammers and thieves who call you are the ones who can't provide proof.

In the past when a debtor told me they had an attorney I quickly requested to speak to them because legally I can't speak to the person who owed the debt.

Believe me when I tell you 95% of the time the attorney that was retained ends up doing absolutely nothing for their client because they have NO PROOF in WRITING the debt isn't owed. The contract is clear and in the end the debtor ends up paying more including the attorney fees especially if the original creditor ends up suing them in court which most often than not happens.

Why? Because the debtor failed to do their due diligence BEFORE leaving the apartment. Like it or not people it is YOUR RESPONSIBILITY to make sure you have all your I's dotted and your T's crossed in WRITING when you are getting ready to move out. THIS INCLUDES CO-SIGNERS.

I am not saying all apartment complexes or collection agencies are always right because they DO make mistakes and some sadly even break laws (which I DON'T condone) BUT at the end of the day it still ALL goes back to YOU to make sure you have done everything possible in following proper protocol when it comes to releasing yourself from a LEGALLY binding contract that was signed by YOU.

Americans have to STOP this nonsense of making excuses for every bad decision they choose to make. This is why we are in the mess we are in financially and are behind competitively when it comes to other countries. Be accountable for your actions people. It's about time don't you think?

To Reassured:

Nice venting but you're story is full of holes.

First, it took you 5 years to notice you had a bad property debt on your credit report? So you never applied for another apt in those five years or had to use your credit correct? Hard to believe. Not to mention you managed to stay in touch with your ex who NEVER told you about the carpet charge in FIVE years even though he knew you were on the bill as well. Now we know why he is the ex.

As for the charges READ your lease, it clearly states you have to do a move out inspection with management BEFORE moving out. This way you wouldn't be surprise when the debt is on your credit. It is YOUR responsibility to make sure this gets done NOT the manager of the apt complex. They DON'T have to remind you of anything.

You accepted the apt as is when moving in, that is why they give you a move in inspection. Waiting to complain about the carpet 5 years later is a little too late.

Next, your claim that HWI bought the debt is incorrect. They are hired to collect from the very apartment complex you lived in and if you TRULY spoke to the collector or the apt complex for that matter they would have told you that.

Now as far as garnishment is concerned they can recommend legal action to the client and once future judgment is obtained in court the attorney hired can proceed to request garnishment. Have you heard? California is a garnish able State.

Finally, if you dispute a debt unless you have proof it's invalid you are responsible for it. By stating a credit repair company will get it off your credit and promoting their website here sounds fishy to me plus your Lexington Law firm you promote has MANY complaints against them with FALSE promises of deletion off your credit report. Just type in their name on this website or /link removed/ and you will see the FACTS of your lame promotion of this over hyped company.

I have owed two different apartment complex (not HWI) and I also use to be a regular collector. Only one collection agency that I know of buys apartment debt. Fortunately for me I made sure all my bills were paid and left a CORRECT forwarding address BEFORE leaving my last apartment to make sure I owed NOTHING.

Now here is a website link that isn't promoting some company but rather the FACTS of breaking your lease too early. These are standard in nearly EVERY apartment lease you LEGALLY sign. Hope this helps clear the air about the things you fail to READ.

http://allcreditrentals.com/2010/10/22/broken-lease-eviction-tips/

I was subject to the same attidude towards me .he said his name was scott gotti, he s probably some bald head 5ft whimp who feels big and bad on the phone thinking he wont get his ### whipped! i totally disputed what i owed and it took threats froom my lawyer for them to give us all the info requested because there was alot of bogus charges,

Here is a website link that states the FACTS of breaking your lease too early. These are standard in nearly EVERY apartment lease you LEGALLY sign.

Hope this helps clear the air about the things you fail to READ.

http://allcreditrentals.com/2010/10/22/broken-lease-eviction-tips/

Dear J.Spurlin,

Harrassment is calling without a purpose and this was NOT harrssment. The collector simply called you to invoke their clients right to collect the debt which you had neglected to do.

If he hung up on you twice that means you called him back and I am sure you are not innocent in this matter either. Now I don't condone ciollectors who are out of control but as a former floor collector I had to hang up on many people due to their nonsense, rudeness or trying to quote laws that don't apply to their case.

I have had several debtors in the past try to quote me the actual time I could call them during the day which is 8 am to 9 pm their time. Well as it turns out I called them at 10 am and this person was still arguing with the me about something that was irrelevant not to mention a perfectly legal call.

Why do they do this? Because they are simply avoiding talking about the REAL issue which is their debt.

Here is a website link that states the FACTS of breaking your lease too early. These are standard in nearly EVERY apartment lease you LEGALLY sign.

Hope this helps clear the air about the things you fail to READ.

http://allcreditrentals.com/2010/10/22/broken-lease-eviction-tips/

To Mellen:

Yes, but that's NOT what this is about. Most debtors who call in will get their questions answered. It was never an issue for me as a former collector to let them know how the debt was going to be reported but when people can't take 'no' for an answer (for deletion of debt on CR) they seem to think they have a legitament complaint because they didn't get what they asked for.

Bottom line here is pay the bill, get a receipt and send it to the credit bureaus if you wish to do so and not wait up to 90 days for it to be updated as paid. I have always done that.

In todays age creditors don't care if you settled a debt or paid it in full as long as it was PAID, period.

Here are a couple of videos that I found on Youtube which CLEARLY shows what NOT to do with your apt and what people can do when handling disputes with their landlord.

Tenant vs Landlord Disputes - The REAL Truth Behind
http://www.youtube.com/watch?v=P7sRGUNzruI

WWBT Story on Landlord-Tenant Disputes (EXCELLENT VIDEO)
http://www.youtube.com/watch?v=J31z4n9gsg4&feature=related

To Very unhappy with this company:

The collector was right. A collection agency CAN NOT remove something that is a legal debt. The only way they can remove it if it's place there in error which by your statements doesn't seem to be the case.

The debt will remain on your credit for seven years, paid or unpaid. Even if it falls off your credit after 7 years the property debt is STILL on your rental history which means any apartment complex/mortgage companies for the most part will know you STILL owe a debt when applying for an apt or a mortgage.

As a former debt collector on the floor I have had plenty of people calling in asking if they paid the debt will we remove it from their credit. The answer was ALWAYS, 100%, 'No".

Unfortunately people don't seem to be satisfied with that answer so they continue to go around it and ask again even by offering to pay more than what they originally owe which is ILLEGAL.

Seems to me like you were trying to get a different answer than the one you were given. I am sure the collector and I assume the manager you spoke to were very clear with you but that didn't meet your satisfaction and had an ulterior motive due to the fact that by your very OWN statements you said:

"So I asked [Steve] what the process was for removing this from my credit report". . . . . . I stated I was just trying to find out how long it would take before the full balance is removed.. Not the fact that it was there.

Then you came back and stated:
"... I called back only to speak to Jerry.. I simply ask what the process is for paying this settlement [keyword], and getting it corrected on my credit report".

So you FIRST called in to remove it from your credit report and when that didn't work you decided to settle and find out when it would be updated on your credit report. If you would have just paid it to begin with I am sure the collector Steve would have told you the credit report would be updated within 60-90 days of paying the bull which is standard for most collection agencies.

Sorry if you felt mistreated but you have yourself to blame because debt collectors are not their to give credit or financial advice. You were wasting their time because you had a different agenda when calling in the first time.

Also, every company has complaints but you must look at the source. There are always two sides to every story and I am sure NOT every person who owes a debt is a innocent as they claim to be. Sometimes the debtor is upset that they are given the facts and not what they want to hear.

Debtors are not customers and a collection agency isn't customer service. They don't have to provide it which doesn't give them the right to be down right insulting either but rudeness has a different interpretation from everyone.

As for serving in the military, that has NOTHING to do with paying your bill unless it has to do with the Soldiers Relief Act which is in every lease. I can't stand it when people like yourself use the military card to try and make us feel as if we did something wrong.

You MORE than anyone as a former military personnel are being held accountable for the debt you created. With ALL due respect using the military card is weak not to mention you CHOSE to put your life on the line for this country. I didn't ask you to protect me.

To unhappy4231:

It's unfortunate that your roommates left you holding the bag but the collector was right. It doesn't matter who pays it because there is a clause in your lease that states Joint and Several Liability which means EVERYONE is 100% responsible.

This is why it's ALWAYS important to get a roommate release form signed before you leave that way all parties involved are protected.

There is no clause that says you as a roommate ONLY have to pay a certain amount or percentage. The whole bill has to be paid in order for you to be released from the debt and your credit report to reflect as paid.

They don't have to call everybody because it's irrelevant unless all the roommates agree at that time to pay right now a certain portion to take care of the balance. It all goes back to the people you choose to live with and a reminder that if they stiff you or the other way around in the end SOMEONE HAS to pay the debt otherwise the ONLY one you're hurting is yourself for not paying.

I just called hunter warfield, to make a payment on my collection.. I first talked to steve, who treated me like I was the worst person in the world. I do not have debts.. So I asked what the process was for removing this from my credit report.. He stated " We dont remove anything its not there illegaly is it.." I stated I was just trying to find out how long it would take before the full balance is removed.. Not the fact that it was there. But he continually cut me off before I could finish talking to ask my question... Then got loud & hung up..

Then I called back only to speak to Jerry.. Who I assume was sitting close to steve. Because I could hear laughing in the background.. I was never rude.. I simply ask what the process is for paying this settlement, and getting it corrected on my credit report..After talking with Jerry He says " You are waisting my time, I have a lot of other things to do" I told him that he was really rude & He said " Pay it online so you dont have to deal with it"... I just felt like this was the worse company out there.. I am pretty damn sure that they owe someone something.. If not they are perfect.. Secondly, I see complaints all over the web. Why haven't they been shut down. Just because you are collecting a debt, you do not know what the situation was prior, but still they treated my like I was so below them. I served in the military for a long time, put my life on the line for people like this.. NO heart, or kindness.. Just disgraceful..

Mr Gasman52:

It's a matter of paperwork the was sent in error. If it's truly paid then request in writing (certified mail) to the FH that they send a removal of the account from the collection agency they hired.

Once that is achieved and you get a letter from them stating it was done, make sure you write to the collection agency (certified mail) to remove the erroneous debt from your credit report. Also, contact the credit bureaus and show them your proof as well. I have done this myself to properly protect my credit from being affected.

I understand mistakes happen but it doesn't give the consumer the right to just sit back and do nothing but complain about something they should be handling properly especially if they are in the right.

http://maps.google.com/maps?rls=com.microsoft:en-us:IE-Address&oe=UTF-8&rlz=1I7RNSN_en&q=sarasota+fl&um=1&ie=UTF-8&hq=&hnear=0x88c337e69db2c22b:0xe335341d1d5715d9, Sarasota, +FL&gl=us&sa=X&ei=sSVOUK6nDO-r2AXK_ICoDg&ved=0CJQBELYD Here is a map showing one of their 'offices' at 1209 4th Ave., S. Nashville, TN. Looks like
a place where they just go pick up their mail. Offices in Bradenton and Tampa also. I entered into a contract with an internet company
that promised to get my business going. They violated several terms of the contract, but when I tried workig with them, they said after 90 days it just goes to a collection agency. Souded like it was routine business to them, false advertising, then turn it over to Hunter Warfield to see how much money they can get. Quite the scam. The company is Living Naturally, if this has happened to you please
email me at harlyboy1@comcast.net. Anyone know if a faxed signature is allowed in a Florida court?

ok they dont have to be so mean. a lot of people are going thru a crisis due to job loss etc. and you should treat people like you want to be treated. whatever happened to good customer service skills>

For those of you who still doubt that you're 100% for the contract you legally signed whether you are the co-signer or not just go to the FAQ link below:

http://allcreditrentals.com/2010/10/22/broken-lease-eviction-tips/

To: hunterwarfieldlawsuit

Let me get this straight. You are trying to get a class action lawsuit by gathering letters they sent to debtors in Florida?

Really? Really? They are licensed in Florida sir/madam as well as all other States because I checked into it. Oh and by the way they ARE hired to collect funeral debts by the very same funeral companies those Floridians did business with.

There is also a little known fact you forgot, a piece of paper (other than the funeral bill you're talking about) called a signed "contract", so good luck with that trying to get an attorney to persuade a judge that it's not valid in court.

They are also endorsed by the National Funeral Home Association of America. Go to this video below.

http://www.youtube.com/watch?v=i1cweSckylU

Again it's about being held ACCOUNTABLE for your actions and the contract you LEGALLY chose to sign.

I am investigating a class action lawsuit against Hunter Warfield for people that they have contacted who lived in Florida at the time of the contact. If you send me a copy of the collection letter you received from Hunter Warfield, it would help with convincing an attorney to take the case. The letter has to be addressed to a Florida address. The email address to send the letters to is:
hwiclassaction@gmail.com
Hunter Warfield is a pretty scummy company that promotes that it collects from people that owe money from funerals.

Let me also address Mr. Downing as he seems to be plugging his law firm all over this message board.

Let me first state which I have stated MANY times on these message boards that I DON'T condone illegal tactics or debt collectors who cross the line and violate FDCPA. Those people and the agencies ("chop shops, non licensed" etc) who willingly break the law should be shut down and arrested.

The majority of debt collectors and agencies out there calling to collect a bill on behalf of their client who legally hired them are good, hard working Americans making an honest living just like anybody else.

Now, as for hiring an attorney, that is your LEGAL right to do but I must caution unless you have SOLID proof violations were made by the collector or that you don't owe the bill I can GUARANTEE you in the end you will pay more.

I can't tell you how many times a debtor would delibertely say they had an attorney then quickly hangs up without giving us that information which they are suppose to do. Then when I would contact them again they would again repeat the same routine threatening to sue if we put the debt on their credit or continue to collect. Of course that doesn't stop an agency from doing so and when it does happen we suddenly get a call or letter from their attorney to cease contacting the debtor and request all documents sent to him (verification of the debt).

Of course I would always comply but unfortunately for the debtor 90% of the time as soon as the attorney receives the verification of the debt with their clients signature CLEARLY on it that's when I would recieve a call from the debtor or their attorney wanting to settle because they knew it was legally owed.

So remember hiring an attorney or saying you have one is NOT going to scare off the collection agency. If anything the collection agency (at least most of them) most often than not have no trouble dealing with attorneys.

Ms. Poor Patty333:

AGAIN I MUST state a collection agency DOESN'T have to accept your mail in payments with money orders or any other arrangements you decide to do that don't agree with them. If collection agencies did, then that means you control when you pay your bill.

This is debt collection NOT customer service. You don't dictate how your debt is going to be resolved. The CA is following their clients specific instructions on how to handle the negotiations with the person who owes the money which is you.

When a debtor is allowed to mail in their payments most often than not they miss making them on time or not at all which means the collector has to constantly track the debtor down to get the bill paid. Of course the debtor hardly ever returns their calls.

By having the cc/debit on file the CA can prove to their client the debt is TRULY being collected plus it keeps the debtor accountable and committed. You could easily have obtained a pre-paid card from any Walmart, Target etc and used that to setup your payment plan.

Now as far as getting direct access to your account info in order to "rip you off" AGAIN I MUST state your personal information is accessible to the debt collector with a simple click of the mouse. A CA sometimes has your bank account # already on file by simply looking at the documents (application you filled out with the original creditor) that you signed. They can also pull your credit report which has even more personal info.

Heck, a debt collector can find your social thru different software systems by simply typing your name and the last known address you lived at. So this myth that debtors have by secretly keeping their personal information from the collector is laughable at best.

If they TRULY wanted to "rip you off" as you say it would be happening constantly which contrary to popular belief it's not. Everything has to be recorded between the debtor and debt collector ESPECIALLY when doing financial transactions over the phone.

Technology today has legally allowed a collection agency to have more pull than ever in order to resolve the unpaid debt.

Email me to discuss your options in dealing with them. I have several that will help.

Johndowning01@gmail.com

I have over 8 years experience in this field and a working relationship with a law firm who specializes in cases like yours that may have them PAY YOU!

I just filed a complaint with the FTC and the BBB. I tried to get a payment plan going which I had 24 hours to accept. I called back to accept and they said they refused to take money order payments and will mark my account as "refused to pay". What is wrong with these people? I told them I did not have a debit card and would send them monthly payments to get this resolved. Why don't they want the money? I will tell you why, they want direct access to your checking account so they can rip you off. Anyone going through the same situation...I sure feel for ya!

Now here is a website link about the FACTS of breaking your lease too early. These are standard in nearly EVERY apartment lease you LEGALLY sign. Hope this helps clear the air about the things you fail to READ.

http://allcreditrentals.com/2010/10/22/broken-lease-eviction-tips/

Ms. Warm Honey:

You need to send your request in writing by CERTIFIED mail with a return signature if you don't want to be contacted by HWI.

Now be aware sending these types of letters won't stop a collection agency from putting the debt on your credit which they legally can do or possibly requesting their client sue you for the money.

As for your claim that you left "everything clean and I even spray the apartment with frangance to get the musty smell out of the rooms", this is irrelevant because unless you did the move out inspection with a member of management present (which your lease states) then you are responsible for any cleaning/damages left behind.

Another words your version of what you think is clean may be different from what the apartment complex expects in getting the unit back in the condition it was. READ YOUR LEASE.

Let me address your other concern which was, "how could the pipes freeze when the heat was never turned off". You lived in a 3 story building where someone next to you could have had frozen pipes but then again if you didn't do a move out inspection with a manager from the complex you have no way of proving it wasn't you.

This ALL goes back to making sure you completed your contract with what is stated on there. Just assuming you left everything in good condition is the wrong way to go.

READ WHAT YOU SIGNED.

I have been harrassed since February 2008 by HW. I have sent letters telling them to not call me, yet they continue to do so, even to the point they are now calling several times a day. When i have talked to them, I have told them in person not to call and have been told they can call me as many timea a day at whatever time they want until I pay. I moved out at the end of my lease, everything was cleaned and I even spray the apartment with frangance to get the musty smell out of the rooms. Yet they said that I had busted pipes and because of this the apartment carpet needed to be totally replaced. I lived in a 3 story building, on the second floor. The heat was never turned off, so how could the pips freeze when all of the pipes were on the inside of the buiding next to the hallway? Stupid is the only word I can say for some people.

I am investigating a class action lawsuit against Hunter Warfield for people that they have contacted who lived in Florida at the time of the contact. If you send me a copy of the collection letter you received from Hunter Warfield, it would help with convincing an attorney to take the case. The letter has to be addressed to a Florida address. The email address to send the letters to is:
hwiclassaction@gmail.com
Hunter Warfield is a pretty scummy company that promotes that it collects from people that owe money from funerals.

I am a father of a 20 year old daughter. I was trying to teach her to be independent so I got her an apartment at Garfield Commons in Clinton Township, Mi. When she moved in, there were things wrong with the place like ripped screens, a bad door jam and the carpet needed to be replaced but that never happened and I really didn't say to much because everyone knows how kids can be. My daughter lived there with her boyfriend. He was a friend of an employee of the management company. Anytime there was a concern the front office would call me because they knew I didn't live there. The lease was signed for another year with management knowing I wasn't living there. This last September the lease was up and I chose not to sign a new lease. I went into the office and told them that I was not going to sign a new lease a month and a half ahead of time. 3 months later H-W sent me a letter stating I owe them 3, 161.46. I contacted this "so-called" company and was trying to find out the situation. All they kept saying is "how would you like to pay the debt." I told them that I didn't owe anything but they don't care about that. Their company put my number on a computerized system and it calls and has a message to contact them. Tried to several times but no one was there. Couldnt leave a message or anything. After talking with someone there, they still didn't take my number off the automatic calling system. Christmas Eve this recording was still calling my home. I called to complain and there was no one there. I can see how this company works. After asking for them to take my name off the computerized calling system because I had already been in contact with them trying to figure this out, they didn't. Twice I have called and been told by H-W management(so they say), Be quiet and listen! I find their professional business conduct to be a joke. YOU want to try and collect money but don't want to deal with facts. YOU want to call me by automated systems but have no one there to answer the phone. YOU expect me to "be quiet and listen" but YOU wont. This company is garbage and anyone who get a letter from them should just call your local Mediation Dept. and let them handle it. These people are a joke and so is Garfield Commons for hiring them. The management staff at this apartment complex are terrible and they need to be replaced. SUBSTANDARD. In 2 years the screens, door jam and carpeting have not been replaced and your not doing it on my dime. Their stating that because I didn't give them a written letter, stating I was not going to renew my lease, that now they can charge me for another month of rent, legal fees, etc. When all along they knew my intentions. What responsibility does management have? NONE? This company H-W is typical of why this country is so screwed up. NOBODY WANTS TO DO THEIR JOB, THEY JUST WANT TO BE PAID! These kinds of company should be investigated by the state for improper business ethics.

Here is a website link that states the FACTS of breaking your lease too early. These are standard in nearly EVERY apartment lease you LEGALLY sign.

Hope this helps clear the air about the things you fail to READ.

http://allcreditrentals.com/2010/10/22/broken-lease-eviction-tips/

Cowboy:

The calls are monitored and recorded at ALL collection agencies. I suggest you request to speak to a manager and they will check the call to make sure what was agreed to.

Chances are you were told but didn't pay attention to the dates which is not the fault of the collector. It's a common issue with debtors who setup payments.

No matter what have them check the original call and the manager will contact you back to let you know what was said. If it turns out you agreed to the dates then unfortunately for you they legally have the right to keep the money but if not it will be refunded through your account.

They called me and said i owed 850.00 cuz i had moved out and didn't give a thirty day notice. I tried to set up a payment plan but they told me i could pay 425.00 and the payment would be cleared from my credit report. well i decided it was a good deal and payed it. Two weeks later i checked my account and they had taken out the other 425.00 and i needed the money for rent food and bills. Is there anything i could do to get the money back since we had reached an agreement on the payment.

And here is another story proving my point. Debtors always thumb their nose at people in authority.

http://articles.moneycentral.msn.com/SmartSpending/blog/page.aspx?post=1771376

Unpaid debt? You could go to jail
Debtors' prisons may have been outlawed in the 1800s, but residents of some states are being arrested over unpaid bills.

Deborah Poplawski was feeding a parking meter in downtown Minneapolis when city police pulled up, arrested her and took her off to jail. She was forced to change into jail-issue underwear and an orange uniform and sleep in a room with a dozen women, one of whom offered her drugs. She spent 25 hours in jail.

Her crime? She failed to pay $250 in credit card debt.

Debtors' prisons were outlawed in the U.S. in the 1800s, but more debtors are being sent to jail through the efforts of aggressive third-party debt collectors, who are using the courts and the police to collect old debt they bought for pennies on the dollar.

The practice was detailed in a lengthy investigative story in the Minneapolis Star Tribune, which found that the use of arrest warrants against debtors in Minnesota had risen 60% in the last four years, with 845 cases in 2009.

Judith Fox, a professor at Notre Dame Law School, told the Star Tribune:

According to the Star Tribune:

The laws allowing for the arrest of someone for an unpaid debt are not new.

What is new is the rise of well-funded, aggressive and centralized collection firms, in many cases run by attorneys, that buy up unpaid debt and use the courts to collect.

Technically speaking, the Minnesota debtors are being arrested and taken to jail not because they failed to pay the debt, but because they failed to comply with orders to show up in court or to fill out the forms necessary for their wages to be garnished. Bail is usually set at the amount they owe or $2, 500, whichever is less, the Star Tribune reported.

Hey Sparks:

You seem to REALLY sound foolish everytime you type. I don't represent HWI. I use to be a bill collector at a couple of agencies and know of the scam debtors run all the time about not being able to pay.

The ONLY reason they contact the BBB, Attorney General or FTC is because debtors refuse to accept responsibility for their own
actions and debts THEY accumulated.

It never ceases to amaze me how ignorant Americans are about contracts and debts.

Your quote "You can't get blood from a rock" or even a turnip is an old stale phrase from yesterday. People are not rocks or turnips and I can tell you debtors will ALWAYS lie about not having any money when a bill collector calls but as soon as the CA calls them back weeks later, all of the sudden we discover they're on vacation or somewhere out shopping spending money.

DEBTORS ARE LIARS AND THAT IS FACT SIR!

The debtors constantly give a sad story about their problems and how they're barely getting by but as soon as you look at their credit report incredibly the collectors see an Amex, Visa or Chase credit cards with an expensive car payment or mortgage to go with it and plenty of available credit to take care of the debt.

Oh and that BBB report you talk about, ANYONE can file a stupid, worthless complaint about not being able to pay. The BBB can't do anything and as far as the FTC or Attorney General is concern YOU better have rock SOLID proof otherwise like most debtors you'll end up looking foolish and wasting tax payers money.

You other foolish quote, "Right now, if they're having a hard time, then that's all that needs to be understood".

Really Sparks? NOT in a court of law. A judge could care less because as long as your name is on the dotted line you are 100% legally responsible for the mess you caused.

I should know because I went through it twice and believe me from experience a court doesn't care what you're going through in your life at the moment. They will place a judgement against you and even order garnishment of wages or a lien on any property if needed.

So continue living under a rock and staying ignorant to the facts. The bottom line here people is simple, READ WHAT YOU SIGN!

Here is proof of what I am talking about. I found this on youtube this week which is perfect timing for this debate.

http://www.youtube.com/watch?v=P7sRGUNzruI

***HUNTER WARFIELD*** If you are being harassed by HUNTER WARFIELD contact the Florida Attorney General's office - [protected] and file a complaint. Also contact the Federal Trade Commission - [protected] and file a complaint. As soon as the FTC gets enough complaints they file a class action lawsuit. Everyone needs to complain the soon the better so these people can be put out of business.

"Look at yourself",
Uhm yeah, about that, go look at yourself and stop responding to posts here about HW. You've no room to say anything really. I've read all the posts and you're even listed on the BBB. HW is going to be looking at a class action lawsuit soon. Especially for spoofing numbers of legit businesses. There are plenty of honest people out there trying to make a living and pay their bills. Right now, if they're having a hard time, then that's all that needs to be understood. Last I checked, 750 credit score is way better than most people could hope for!
I could understand if Zed wasn't paying his bills and he had CA's calling him daily but he doesn't and as he said, "when you don't got it, you just don't got it!" You can't get blood from a rock. At least he's trying which is more than I can say about your sorry HW company and the many complaints I've read here and on the BBB website.

Here everyone: register with www.dnc.gov to keep harassing phone calls like these from happening. Also call your cell phone provider and ask about blocking numbers or family allowances to also control who calls your cell. These are my recommendations until HW can finally be laid to rest.

Oh and one more thing:

FOR THE RECORD:

You are NOT a customer. You are a debtor who is in collections and even though that does not give the collector the right to treat you rudely at the same time they DON'T have to offer you any payment plan or even a settlement.

ALL collection agencies are hired to collect balance in full. Anything less is subject to consideration by the client that hires the CA.

And that's the problem with you Zed, you don't understand how much a hit your 750 credit score is going to take.

This is the ignorance Americans have with their debt and don't seem to grasp the severity of a property debt on a persons credit.

Not taking any calls is a dumb move because all you have to do is ask to speak to her supervisor/manager and I am sure something could be worked out.

The more you "think" you could take care of it when you have the money the more you're going to pay in the end due to interest not to mention any other fees they could charge.

DON'T be a fool and swallow your pride because the ONLY person that loses in this whole situation at the end of the day is YOU.

I am a homeowner for over 30 years, debt free, no mortgage, no credit card debt. I have not lived in any rental unit since 1985. Why would a debt collector claiming to be from Hunter Warfield call my cell phone daily?

I had never recieved a notice of debt from this company. They called my work and then was rude and threatening me to take legal actions against me. I tried to explain that I was going thru a bad divorce and my husband was responsible as well they said yeah but you need to pay the whole debt I offered to pay half and they could talk to him on the other half they refused . Sandie Foster

How is that I am receiving these rude and obnoxious phone calls and I'm not the person they are trying to reach. The phone calls won't stop and I work at night so sleeping during the day it's almost impossible. I cannot turn off my phone, because I have a very ill mother and need to have my phone on at all times. I have never rented an apartment and I own space my own house free and clear. Who can I contact in Tennessee to stop these calls when they are not even belonging to me?

Here is more information on sending a cease and desist and what the ramifications are of sending one.

http://www.carreonandassociates.com/articles/cease-and-desist-letter.htm

Scroll down a little and you will see the following statement:

"When A Cease And Desist Letter Is Not Appropriate"?

If a debt collector is sending you a bill and its an accurate bill, your cease and desist letter probably WON'T do much. Sure, they may leave you alone for a month while they gather evidence of the debt, but chances are pretty good that they haven't gone anywhere.

If the debt is accurate and you do owe it, your best option would be to try and settle the debt for pennies on the dollar and an improved credit rating. Collection agencies are in this business to make a buck, so you'd be surprised how often they DO settle debts for less and promise to remove the item from your credit reports as well. They want money pure and simple.

If you do work with a collector on settling the debt, be sure everything is done in writing and sent certified mail. If you agree to pay the debt and they agree to accept less, then they should have no problem putting it in writing for you. If they refuse, chances are they will not abide by their promise to remove the debt from your credit reports.

Just to show you how misleading Holt is on certain things, her quote on her original post was:

"It doesn't matter if the creditor has hired the CA or they bought the debt or whatever the case may be. The FCRA laws give the debtor the right to not deal with a CA in any way shape or form . . . . . . . You have the right to deal with the creditor directly."

Here is some resource info which backs up what I posted unlike Holt who just says anything. Go to this website: http://www.cardreport.com/credit-problems/collection-faq.html

Now if you scroll down a little bit you will see the following statements:

What if a collection agency has bought the debt?

The agency then BECOMES the creditor for most purposes. The debtor will NOT be able to make ANY negotiations with the original creditor. The agency might be technically able to file a lawsuit against the debtor, (although this is not likely.)

However, the Federal Trade Commission has issued a Staff Opinion Letter which indicates that, even if a collection agency has purchased a debt, it is still covered under the Fair Debt Collection Practices Act as a "third-party debt collector."

What about the relevant time limits?

The debt does not become some kind of "new" debt just because of being sold. For example, the seven-year credit reporting time limit is still based on the original delinquency date with the original creditor. The statute of limitations for filing lawsuits is also based on that same date. These limits can not be legitimately "reset" by a collection agency that has bought the debt.

HOWEVER, the statute of limitations may possibly be reset if the debtor makes a specific promise to pay, or a partial payment.

Is there any way to make them stop calling?

". . . . . . . the consumer can just send a third-party collection agency a written notice (preferably citing the FDCPA), ordering them to stop the collection letters and calls, and the agency is legally obligated to comply. The only permissible contact thereafter is to notify the debtor of specific "remedies, " like legal action, but usually the collectors won't even bother. (Note: HWI DOES)

If the creditor hasn't yet made a decision on whether or not to file a lawsuit, then that decision may be made at this point, rather than being delayed.

After a "cease and desist" notice from the consumer, the debt may then be returned to the original creditor, passed on to another third-party agency, or simply filed away, depending on the circumstances. The agency may STILL report the account to the credit bureaus.

My GOD Holt! You keep acting like an ignorant person. It doesn't matter to me if you are a man or woman, you're STILL clueless and your advice is FULL of holes. Calling me a "nut job" shows how dumb you REALLY are because it's people like you that get sued for stupidity. I KNOW FACTS when it comes to working inside the industry. You apparently don't.

First, when it comes to apartment lease debt most of the time the debt is proven unless the client lost the file which does happen sometimes. In that case the account can't be collected and would have to be removed from the consumers credit report because there is no way of verifying the debt.

Also if the debt is out of statue of limitations (every State is different) than it can't be collected but it will stay on your credit until it falls off after 7 years. If you DO pay even a penny on the account that is SOL then every thing starts over again meaning it will be on your credit for another 7 years and it would be legally allowed to be collected.

Second, the consumer HAS EVERY right to tell the collection agency to go away and try to deal with the original creditor directly. I am not disagreeing with you there. What your pea brain FAILS to realize is that when you do 9 times out of 10 the original creditor in this case the apt complex will send you right back to the CA they hired. So you are lying and don't know what you're talking about. It happened to me several times. Maybe it happens with other types of debt but when it comes to delinquent leases most of the time they (apt complexes) WON'T deal with you unless it's a special circumstance like a mistake made on the bill. AGAIN this does happen but NOT the majority of the time.

Third, a consumer has EVERY right to send the CA in writing to stop contacting them. Psst...the word is spelled "D e s i s t" NOT "D e c i s t". AGAIN I don't disagree with you they have that right BUT you fail to understand when you do that there could be consequences and you risk hurting your credit.

Fourth, yes if you don't want a CA calling you all the time you definitely have the right to send them a "Cease and Desist" letter in writing but ONLY a FOOL would send it regular mail. They could always say they NEVER got it (which has happen to me a couple of times) or the fax could get lost.

The way you do it is through CERTIFIED MAIL because that way you have a signed document from them showing proof they got it, so if they call you that is a violation and they're breaking the law. I helped a neighbor one time with this and sure enough the agencies we send the letter to ended up paying her because they called her after receiving the CERTIFIED C&D letter. Notice Holt how your advice is missing important details?

Finally, remember if you do send these collection agencies a C&D letter they have EVERY right to proceed in anyway legally they can to obtain the money owed. This means you could be sued once their client approves it but then again people like Holt would rather you get sued and pay attorney fees than to do the responsible thing and just pay your bill.

If you don't believe what I am saying then try it. Anyone who owes an apt lease right now go ahead and call the apt complex, (you'll see ESPECIALLY with this company HWI) they (apt complex) will send you right back to them. That is FACT mam, sir whatever, it doesn't matter.

I have seen all types of people get sued for their ignorance and stupidity. Sadly in the end they pay more in court costs and attorney fees above what they originally owed. Why? Because they follow the advice of people like Holt.

It all comes down to READING WHAT YOU SIGNED and STOP making excuses for the decisions you all make. I am NOT saying CA's are innocent either, some sadly have to be shutdown for breaking laws which I DON'T condone and have stated many times on these message boards but that doesn't mean every CA is shady. It still comes down to YOU as a consumer to make sure you have done your due diligence in being responsible and protecting yourself and NOT act like a victim 100% of the time when you know you owe the debt.

Oh, one more thing. The Cease and Decist letter MUST be sent in writing, either regular mail or FAX. Get the CA to acknowledge they got it. Once they do, they won't contact you any more. If they do, they are in violation and you can sue them for damages. They know this and are careful not to break the law.
Many CA's have lost their business license for breaking this law and it is there to protect consumers. Use it!

Wow, you are truly a nutjob "Look at Yourself" and you don't even take your own advice. You also assume I'm a man, which earlier you should have detected I am not when I mentioned my husband, you ###. You claim that apt complexes have sued your friends. Well, that's perfectly legal and it's their right to do that IF they can prove the debt is owed and get a court judgment against the debtor in small claims court. Afterall, they are the original creditor, as I mentioned. Your rant had nothing to do with a Collection Agency or CA, as you term them. The debtor or consumer has every right to tell the CA where to go and to stop contacting them, so that they can deal with the creditor directly ie; Apt Complex or whatever created the debt. It doesn't matter if the creditor has hired the CA or they bought the debt or whatever the case may be. The FCRA laws give the debtor the right to not deal with a CA in any way shape or form.
So people, if you're reading this and you're being harrassed by any collection agency, read up on your rights through the Fair Credit Reporting Act and tell them to get lost and stop contacting you. Send them something called a Cease and Decist Letter. You have the right to deal with the creditor directly. If you do indeed owe a debt and it can be proven and documented that you owe the debt, then pay the original creditor and not the collection agency. I'm not saying to shirk your legal obligations, but you do not have to deal with collection agencies at all.
Don't listen to idiots like LAY who has no idea what the FCRA offers to consumers.
Have a great day and I hope I've helped lessen your stress a little in dealing with these collectors.

And in case you don't believe me take a look at this article:

http://www.creditcards.com/credit-card-news/todd-ossenfort-lawsuit-debt-collection-garnishment-1292.php?aid=46bf5df1

Mr. Holt:

Why do you continuing talking? You hate collection agencies but yet if it wasn't for those companies we would all pay more for the deadbeats who don't pay.

As for your statements that a debtor could deal with the creditor directly instead of the CA. AGAIN another myth spewed by people like you who hate CA's. Most often then not the original creditor will send you back to the collection agency because they were legally hired to collect for them. I had it happen to me several times.

As for my statements when it comes to being sued those are NOT threats those are FACTS sir. If you refuse to pay some collection agencies and debt purchasers have the right to take you to court and get judgment on you.

Most of HWI's clients do sue their former tenants when they refuse to pay and oh by he way they are NOT my company. I have friends who work there and that is how I know. I had a friend of mine a single mom with three kids get sued by her former apt complex. So unlike you I know for a fact what can be done and what can't. THAT IS NOT A THREAT.

So before you continue on spewing your MYTHS just remember it's people like you who give wrong advice that end up screwing others.

Here is a website link that states the FACTS of breaking your lease too early. These are standard in nearly EVERY apartment lease you LEGALLY sign.

Hope this helps clear the air about the things you fail to READ.

http://allcreditrentals.com/2010/10/22/broken-lease-eviction-tips/