Collections Law

Subject: Physician payment

Question:

My daughter underwent surgery in January and I have been billed for the amount over the insurance coverage. I have paid one of the bills as I can afford, $200 here and $100 there. They are now threatening action against me. If I am attempting to pay the bill, can they turn the case over to collection agency?

Answer:

Yes, they can and they probably will.

You should probably hope they do and the quicker the better.

Don't make the mistake of paying or even admitting that you owe the bill. Don't even take a chance of resetting the statute of limitations that way. It started when you made your last payment to the hospital plus 30 days. It will stop tolling if and when they file a lawsuit to collect the money.

Here are your remedies or at least some of them.

First of all get yourself a good digital voice recorder and make sure it has a means of connecting it to your computer via the USB port.

Then get yourself a small black telephone recording controller from Radio Shack and be prepared to record all phone calls. Learn to record all calls. You can always erase those that you don't want to keep.

Be pepared to also make a written history of all calls to your home coming from the debt collector. Keep a record of the date, time, length of call, phone number showing up on caller I.D. and a short transcript of what was said.

When they call be certain that you tell them that you dispute the debt and demand that they validate the debt. Do it every time they call. Keep on demanding. Don't stop even though they try to tell you that the debt has already been validated. Often debt collectors will ask how you want them to validate the debt. The appropriate answer is "You are supposed to know how the debt must be validated. If you don't know go ask your boss and if your boss don't know either then you ought to go find a boss who does know."

Of course they will probably ask you if you are refusing to pay the debt or they will report you to the creditor as refusing to pay. Don't worry about it if they do.

As soon as you get their first dunning letter you should respond with a written demand for validation/dispute of the debt. Send it certified mail, return receipt requested. Their written demand for payment must be received by you within 5 days after their initial contact by any means including putting it on your credit reports.

Their initial contact letter must have a notice that you have 30 days to dispute the debt or any portion thereof. If it does not that is a violation of the FDCPA and is a valid cause of action against them in federal court.

There are many more violations that they can a maybe will commit and you should learn them all and keep careful records outlining each and every one. Your written record can become the history you will need to take them to federal court and sue them for those violations. Don't let that frighten you. It isn't all that difficult to do. You don't even need a lawyer to help you do it. Just learn how to do it yourself.

It is really the only hope you have to make them go away even if they end up getting a judgment against you.

The law was made to help you in the likely event that you are abused by a debt collector. The law is powerful and you can make it work for you. All you have to do is learn how and it isn't all that hard.

Bill Bauer
405-227-9423
405-684-9297 This number will change in a few days.
See my website at http://www.creditwrnech.com for much more information to help you.

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FDCPA
Before you go, stop and think about this. Its all about fighting poverty. Although we may go through our daily routines without realinzed it, the number of homeless people is growing rapidly. While many of the homeless have drug or alchol problems many are simply people who are homeless because of mortgage foreclosures and other financially related problems. I have armed you with a great deal of information about how to deal with debt collectors who can easily beat you out of your hard earned cash and make you the next victim of poverty. Help fight poverty (yours) by keeping your cash in your pocket. Creditwrench teaches you how to do exactly that.

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This post is part of Blog Action Day 08 - Poverty

3 people chatting

Chris:

Hey is any one thier

I had a simple question regarding the Discovery phase

8/26/08 11:20pm

me:

Yes, are you still there?

Anybody here?

Anybody here to chat?

error

jabbify users settings

U.S. Maagistrate Judge Bristow Marchant

Debt Elimination

Question:

I'm sure you get this all the time - where does someone start if we just cant make ends meet anymore! I have all this debt and had to refinance my house to get out of an ARM Mortgage. We were looking into debt elimination, debt settlement and the "Brad Daley" program using the Assignment of Debt. From reading your post it looks like you use different methods -- I'd appreciate any input or direction you may have.

Answer:

I certainly do use different methods. I vehemently disagree with such scams as those you mentioned. The reason is that I do all the above and more without using any half-baked schemes. My method does debt elimination because it teaches how to determine whether or not the debt collector has violated federal law and how to take them to federal court and make them pay the debt in most cases. I say "in most cases" because if the consumer owes a huge debt and their violations are minimal then one cannot hope to wipe it all out.

My method teaches how to do debt settlement too and the description for debt settlement is exactly the same as above.

Assignment of debt is nothing more or less than a pure scam. You cannot assign your debt to anyone else. Some of those assignment scams have you incorporate your ALL CAPS NAME and assign your debts to your ALL CAPS NAME. Of course, your all caps name corporation is just as broke as you are. The all caps name is called your strawman. I sat through a couple of hours of talks given by some idiot telling us all about how great he thought that idea was. There is very little that could disgust me more than that nonsense because back in 2004 U.S. District Magistrate Judge Bristow Marchant heard a case before his court in which two dumbos filed a case trying to get the judge to overturn a case they had lost in their local court system. They signed their names in all caps and even put a copyright symbol after their names. Federal judges do not have the power to overturn state court judgments.

In his scathing decision Judge Marchant falsely accused me and a good friend of mine, Richard Cornforth, of teaching that garbage on the internet. I got wind of his decision and posted an article about it on my creditwrench blog. The article and a link to the actual decision is to be found at http://www.creditwrench.com/06-18-04.html I have never taught that kind of nonsense and I'm not about to forget being falsely accused anytime soon.

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Bill Bauer
405-237-2174
405-227-9423

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http://www.shrinkmylink.com/hhlqson FDCPA EXPERT
www.creditwrench.com/howjudgmentswork.html
www.creditwrench.com/18questions.html
http://shrinkmylink.com/kmlqson
www.creditwrench.com/objections.html
www.creditwrench.com/howcreditwrenchworks.html
http://www.shrinkmylink.com/bnlqson List of community property states
How to answer a summons
http://www.shrinkmylink.com/exlqson
LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.
http://www.creditwrench.tv/MIKEJM-06-27-08.mp3
http://www.shrinkmylink.com/uimqson Mike JM tells about Greentree Financial case.
http://shrinkmylink.com/xsjqson
http://www.shrinkmylink.com/danqson Mark in Rhode Island gets settlement offer
Statute of Limitations for all states http://shrinkmylink.com/zlwpson
How to set up your hard drive for creditwrench files. Makes them easy to find.
http://tinyurl.com/3lqxaw
The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.
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You might also want to visit our message forum at http://consumers.creditwrench.com to get answers to questions you need answered before next Friday night.
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FDCPA
Creditwrench
debt elimination
debt eliminationtion
paypal
strawman
Before you go, stop and think about this. Its all about fighting poverty. Although we may go through our daily routines without realinzed it, the number of homeless people is growing rapidly. While many of the homeless have drug or alchol problems many are simply people who are homeless because of mortgage foreclosures and other financially related problems. I have armed you with a great deal of information about how to deal with debt collectors who can easily beat you out of your hard earned cash and make you the next victim of poverty. Help fight poverty (yours) by keeping your cash in your pocket. Creditwrench teaches you how to do exactly that.

---

This post is part of Blog Action Day 08 - Poverty

False and misleading information

Question:

In 2005 we helped family members residing in Pass Christian Ms financially related to Hurricane Katrina. This made us late on payments and the default rate drove us to send Citibank our reasons for foregoing payments and at that time offered to settle for 1/2 debt making payments.

We had other accounts that closed and took this type of arrangement but not Citibank. Since 2006 we have had multiple summons to the local Civil Court here in Ky. all from different lawyers in the same law firm. They have worked the debt from $4,6.00 to $8,000.00 plus. We could not afford that then and cannot now.

With each new lawyer from this same law firm I ask for debt validation and no debt validation has been rendered.(They send copies of statements and call it validation)

I certify my letters but this last time a lawyer did not respond at all, except to send a summons via regular mail. I wrote the court immediately that I received the letter regular mail, and when I went to the courts website the docket did not have the summons posted for hearing. So to prove I sent a validation request I sent it certified a SECOND time and wrote payment enclosed to try and receive my US postal service green card as proof they DID receive debt validation request.

Now I am facing the hearing, but I did send a request to dismiss based on Violation of FDCPA Section 809B. I have two years left on the statute of limitations and I have fought them tooth and nail. Can you tell me what to expect if I show up in court the date will be 8/18/2008. Thank you in advance for your reply

Answer:

First of all, your request to dismiss based on violation of FDCPA is going to get denied. FDCPA violations are never a valid cause of action for dismissal of a plaintiff's case. Won't ever happen. So forget that.

It is also not a valid response to the complaint, so what did you file as your response? If you filed no response then you need to do so as soon as possible.

You say you sent a second certified validation request. If the first was sent certified why would you need a second?

You say that statements are not validation? Exactly what do you think validation consists of?

You say that you have two years left on the Statute of Limitations? How do you know that? Where did you get that information? Yes, I am well aware that the statute of limitations in Kentucky is 5 years on open accounts but you may be using the wrong statute of limitations.

Seems to me that you have been exposed to and believed lots of false and misleading information. You need to get your act together very, very quickly or you will lose and get a garnishment against you.

You cannot normally defend and win. You must go on the offensive to do that.

Bill Bauer
405-684-9297
405-227-9423

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Just send an email to ceo@creditwrench.com and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.

http://www.shrinkmylink.com/hhlqson FDCPA EXPERT
www.creditwrench.com/howjudgmentswork.html
www.creditwrench.com/18questions.html
http://shrinkmylink.com/kmlqson
www.creditwrench.com/objections.html
www.creditwrench.com/howcreditwrenchworks.html
http://www.shrinkmylink.com/bnlqson List of community property states
How to answer a summons
http://www.shrinkmylink.com/exlqson

LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.

http://www.creditwrench.tv/MIKEJM-06-27-08.mp3
http://www.shrinkmylink.com/uimqson Mike JM tells about Greentree Financial case.
http://shrinkmylink.com/xsjqson
http://www.shrinkmylink.com/danqson Mark in Rhode Island gets settlement offer

Statute of Limitations for all states
http://shrinkmylink.com/zlwpson

How to set up your hard drive for creditwrench files. Makes them easy to find.
http://tinyurl.com/3lqxaw
The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.

Dial-in Number: (712) 432-1601
Access code: 508548#

You might also want to visit our message forum at http://consumers.creditwrench.com to get answers to questions you need answered before next Friday night.
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Citibank
False and misleading information
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How to contact paypal and ebay

Here are over 450 pieces of internal email addresses and phone numbers to reach a real live human at Paypal/eBay. Anyone who has ever experienced Paypal unfairly freezing their funds, Paypal siding with someone who scammed them and losing money because of it, Paypal seizing funds from their bank account or credit card without permission, or just the simple impenetrable, rude, and useless customer service can surely appreciate this list. There's contact info for executive relations, high executives, practically every department, and more, both US and international. The information comes courtesy of Screw-Paypal.com, a site started by a man who says Paypal wrongfully denied access to his funds for four years. I guess that's how long it takes to track down every single piece of Paypal contact info. He got his money back eventually, and you can too, with the email addresses and phone numbers inside...

PayPal Phone Numbers: America & Canada

1-408-967-5033 (TOLL NUMBER) Michael Oldenburg, HE WANTS TO HEAR YOUR COMPLAINTS!
1-408- 376-7514 (TOLL FAX Number) Ryan Downs, Senior Vice President Operations, PayPal, Inc. and eBay Inc.
1-402-935-2050 (Toll Number)
1-888-215-5506 (Toll Free Number)
1-888-221-1161 (Toll Free Number)
1-408-376-7400 (Toll Number)
1-408-376-7514 (Toll Fax Number) PayPal, San Jose, General Fax #
1-650-864-8000 (Toll Number)
1-402-935-2284 (Toll Number — Banking and Check Issues)
1-402-935-2212 (Toll Number — ACH Processing & Check Services)
1-402-935-2255 (Toll Number — Account Review Department)
1-402-935-2257 (Toll Number — Account Review Department)
1-402-935-2223 (Toll Number — PayPal Compliance)
1-402-935-2250 (Toll Number — PayPal Compliance)
1-402-935-2000 (Toll Number — Customer Service Department)
1-402-935-2007 (Toll Number — Customer Service Department)
1-402-935-5181 (Toll Number — Debit Card Services)
1-402-935-2116 (Toll Number — Escalations Department)
1-402-935-2129 (Toll Number — Escalations Department)
1-402-935-2238 (Toll Number — Management, Escalations Department)
1-402-935-2239 (Toll Number — Fraud Prevention Department)
1-402-935-2251 (Toll Number — Manager, Resolutions Department)
1-650-251-1101 (Toll FAX Number — Never Fax w/o a Case Number!)
1-408-376-7514 (Toll FAX Number — Never Fax w/o a Case Number!)
1-408-967-1005 (Toll Number — Amanda Pires, PayPal Media Relations)
1-402-537-5755 (Toll FAX Number — PayPal Chargeback Department)
1-402-938-2337 (Toll FAX Number — Compliance Department)
1- 303-395-2802 (Toll FAX Number — Compliance Department)

PayPal Phone Numbers: America & Canada — Senior Agents

Should you have a PayPal problem that needs decision making authority, these are the persons you can contact directly. Each one of these persons has the power to review your account, unlimit your account or arrange for your money to be returned to you (among other things as well). PayPal Office of Executive Escalations:

1-402-952-8691 (Thomas, PayPal Executive Dying to Receive Your Call)
1-402-935-2238 (Tiffany Zaporowski, Strategic Risk Operations)
1-402-935-2116 (Elizabeth Morey, Supervisor, Executive Escalations)
1-402-952-8691 (Thomas, Senior Agent, Dying to Receive Your Call)
1-402-935-2172 (Adam Braasch, Senior Agent)
1-402-952-8902 (Gabriel, Agent, Executive Escalations)
1-402-935-2268 (Beth Beutler, Senior Agent)
1-402-935-5146 (Leslie Byrne, Senior Agent)
1-402-935-2399 (Janyce Erikson, Senior Agent)
1-402-935-5145 (Melody Fry, Senior Agent)
1-402-935-2174 (Jackie Hart, Senior Agent)
1-402-935-2229 (Michael Lazure, Senior Agent) *ACH/Wire Expert*
1-402-935-5163 (Rick Martin, Senior Agent)
1-402-935-5073 (Stephanie Mikovec, Senior Agent)
1-402-935-2157 (Megan Moore, Senior Agent) *WORKS WEEKENDS*
1-402-935-3533 (Peggy Pattavina, Senior Agent)
1-402-935-2331 (Tara Stevens, Senior Agent)
1-402-938-3532 (Megan Wetzel, Senior Agent)

PayPal Phone Numbers: United Kingdom

08707/ 307 191 (UK Calling Rates Apply)
0870/730-7191 (UK Calling Rates Apply)
0208/ 6053000 (Landline Phone Number)
020/8605 3001 (UK FAX — UK Calling Rates Apply)

PayPal Phone Numbers: Australia

(02) 8223 9500 (Australian Toll Rates Apply)
1800 073 263 (Toll Free Number)
(02) 8223 9555 (Fax Number Australia — AU Calling Rates Apply)
(02) 8223 9501 (Fax Number Australia — AU Calling Rates Apply)

PayPal Phone Numbers: Deutschland

0180/ 500 66 27 (14 Euro Cents Per Minute)
0870/730-7191 (Calling Fees Apply)
030-8019-5161 (PayPal/eBay Hauptquartier)
030-8019-5252 (FAX nummer PayPal/eBay Hauptquartier)

paypal.robert@ebay.de
paypal.nico@ebay.de
paypal.eva@ebay.de

PayPal Addresses America & Canada

PayPal President, Rajiv Dutta, 19700 Montauck Court, Saratoga, CA 95070 (Home Address)
PayPal Inc., 2211 North First Street, San Jose, CA 95131
PayPal Inc., 2145 Hamilton Avenue, San Jose, CA 95125
PayPal Inc., P.O. Box 45950, Omaha, NE 68145
PayPal Inc., 11128 John Galt BLVD, STE 300, Omaha, NE 68137
PayPal Inc., Legal Department, 2211 North First Street, San Jose, CA 95131
PayPal Inc., 701 First Avenue, Sunnyvale, CA 94089
PayPal Inc., 3000 Hanover Street, Palo Alto, CA 94304
PayPal Inc., 3404 E Harmony RD, Fort Collins, CO 80528
PayPal Inc., 18110 SE 34th Street, Vancouver, WA 98683

PayPal Addresses: United Kingdom

PayPal Europe Ltd, Hotham House, 1 Heron Square, Richmond upon Thames, Surrey, TW9 1EJ
PayPal Europe S.a.r.l. & Cie, S.C.A., 5th Floor 22-24, Boulevard Royal L-2449, Luxembourg

eBay (UK) LTD,
P.O. Box 9473
Dublin 15
Ireland

PayPal Managing Director, David Graham Clarke, 3 Woodside Road, New Malton, Surrey, KT3 3AH

PayPal Addresses: Australia
PayPal, Locked Bag 10, ATTN: Error Resolution, Australia Square PO, Sydney, NSW 1215
PayPal, 19 1 York Street, Sydney New South Wales

ADDITIONAL NOTES: PayPal Australia Pty Limited is a registered Australian Company (ACN 111 195 389) and is subject to Australian law.

PayPal Addressen: Deutschland
PayPal Europe S.a.r.l. & Cie, S.C.A., 5th Floor 22-24, Boulevard Royal L-2449, Luxembourg
PayPal GmbH., Marktplatz 1, Europarc-Dreilinden, BerlinD-14532

PayPal-Kundenservice
Postfach 750263
60532 Frankfurt/Main

PayPal Email Addresses

Avoid using PayPal's automated email submission center — that email goes straight to New Delhi, India where you will get a prompt reply back that has nothing to do with what you asked in the first place. For faster results, email the following departments (where people with decision making authority can help you or not help you):

moldenburg@paypal.com (Michael Moldenburg, Paypal Complaints)
sthompson@paypal.com (Scott Thompson, PayPal President)
mhentges@paypal.com (Mary Hentges, CFO PayPal)
crme@paypal.com (PayPal Office of Executive Escalations)
appeal@paypal.com
harbor1@paypal.com
account-review@paypal.com
ppelce@paypal.com
cardreview@paypal.com
complaint-response@paypal.com
abuse@paypal.com
Europeanservices@paypal.com
resolutions@paypal.com
appeals@paypal.com
compliance@paypal.com
escalations@paypal.com
webform@paypal.com
service@paypal.com (Unmonitored)
spoof@paypal.com
complaints@paypal.com
aup@paypal.com
press@paypal.com (Let public relations know you are filing complaints)
apires@paypal.com (Amanda Pires — Media Relations Contact)
chargebackresponse@paypal.com
pending_reversal@paypal.com
global2@paypal.com
intl@paypal.com
ppe_courtesycredit@paypal.com
BoEappeal@paypal.com

Tip: Send your problem to EVERY PayPal email address that you can find, not just one. That way you have different people and different departments dealing with your problem.

eBay Contact Information America/Canada

1-800-322-9266 (eBay Customer Service Number — Toll Free America & Canada)
1-800-717-3229 (eBay Customer Serive Number — Toll Free America & Canada)
1-866-304-3229 (eBay Marketing — Toll Free America & Canada)
1-408- 376-7400(eBay General Phone Number — Toll Number)
1-408-376-7401 (eBay General FAX Number — Toll Number)
1-408-376-7419 (Gary Dellabo, ebay Strategic Partnership's Group — Toll Number)
1-408-376-7517 (eBay General FAX Number — Toll Number)
1-408-376-7205 (eBay Investor Relations, Tracey Ford — Toll Number)
1-408-376-7458 (eBay Media Relations, Hani Durzy — Toll Number)
1-801-545-2276 (eBay President, Direct Number Salt Lake City — Toll Number)
1-408- 376-7514 (TOLL FAX Number) Ryan Downs, Senior Vice President Operations, PayPal, Inc. and eBay Inc.
1-801-545-1853 (eBay Accounts, Christa, Accounts Specialist, Salt Lake City — Toll Number)

eBay Email Addresses

spoof@eBay.com (Report Spoof or Phishing Emails/Websites)
exec.relations@ebay.com (eBay Executive Relations)
matthewb@ebay.com ( Matthew J. Bannick, President, eBay International)
government_relations@ebay.com (eBay Government Relations Department)
billcobb@ebay.com (President, eBay North America)
paypal.robert@ebay.de
paypal.nico@ebay.de
paypal.eva@ebay.de
paypaldamon@ebay.com

eBay Address/eBay CEO Home Address

eBay Inc.
2145 Hamilton Avenue
San Jose, CA 95125
USA

eBay Contact Information United Kingdom

0700 500 3229 (eBay General Number — UK Calling Rates Apply)
020 8605 3111 (UK Power Seller's Help Line — UK Calling Rates Apply)
0906 665 8030 (eBay Customer Service — UK Calling Rates Apply)
0906 665 8030 (eBay Customer Service — UK Calling Rates Apply)

eBay Address UK

eBay UK Ltd, Complaints Department
PO Box 659, Richmond-upon-Thames
Surrey, TW9 1TX

eBay (UK) LTD,
P.O. Box 9473
Dublin 15
Ireland

PayPal Buyer Credit 866-571-3012 Say "agent" at each prompt, ignoring messages.
PayPal F 888-221-1161 Press 0 at each prompt, ignoring messages.

300 other internal numbers that might get you what you're looking for...

(402)935-2114 Kay P. ACH / Check Service
(402)935-2212 ACH Processing Main Line ACH / Check Services
(402)935-2284 cindy ACH / Check Services Processing / Bank Only
(402)935-2295 Chuck ACH / Check Services Processing Manager
(402)935-2255 Jasmine Account Review
(402)935-2256 Jamie Account Review
(402)935-2257 Jamie Account Review
(402)935-2328 Chris Account Review
(402)935-2333 Luke Account Review
(402)935-2114 Kay P. ACH / Check Services
(402)935-2212 ACH Processing Main Line ACH / Check Services
(402)935-2284 cindy ACH / Check Services Processing / Bank Only
(402)935-2295 Chuck ACH / Check Services Processing Manager
(402)935-2223 Sheryl AUP Compliance
(402)935-2250 Katrina AUP Compliance
(402)935-2275 Lisa AUP Compliance
(402)935-2332 Julie Gonzales AUP Compliance
(402)935-5140 Alahandre Elise(?) AUP Compliance
(402)935-2029 Todd Business Development
(402)935-5126 Shane Business Development Schedule: 8:30~5PM M-F
(402)935-5197 Ken Holston Business Development Business Management & Account Management
(402)935-2000 Call Center Inbound Call Center
(402)935-2007 Call Center Inbound Line Call Center
(402)935-2012 Call Center Inbound Call Center
(402)935-2011 Call Center Inbound Call Center
(402)935-2014 Call Center Inbound Call Center
(402)935-2017 Call Center Inbound: Debit Cards Call Center
(402)935-2019 Call Center Inbound Call Center
(402)935-2021 Call Center Inbound Call Center
(402)935-2022 Call Center Inbound Call Center
(402)935-2023 Call Center Inbound Call Center
(402)935-2024 Call Center Inbound Call Center
(402)935-2025 Call Center Inbound Call Center
(402)935-2030 Call Center Inbound Call Center
(402)935-2050 Call Center Inbound Call Center
(402)935-2053 Call Center Inbound: Premier Services Call Center
(402)935-2057 Call Center Inbound Call Center
(402)935-2065 Call Center Inbound Call Center
(402)935-2079 Call Center Inbound Call Center
(402)935-2080 Call Center Inbound Call Center
(402)935-2081 Call Center Inbound Call Center
(402)935-2082 Premier Service Line Call Center
(402)935-2084 Call Center Inbound Call Center
(402)935-2085 Call Center Inbound Call Center
(402)935-2092 Call Center Inbound Call Center
(402)935-2100 Call Center Inbound Call Center Premier Services Line
(402)935-2106 Call Center Inbound Call Center Premier Services Line
(402)935-2107 Call Center Inbound Call Center
(402)935-2124 Call Center Inbound Call Center
(402)935-2148 Call Center Inbound Call Center
(402)935-2166 Call Center Inbound Call Center
(402)935-2194 Call Center Inbound Call Center
(402)935-2233 Call Center Inbound Call Center
(402)935-2300 Call Center Inbound Call Center
(402)935-2323 Call Center Inbound Call Center
(402)935-5119 Call Center Inbound Call Center
(402)935-2165 Jessica Card Services
(402)935-2396 Tamara Spurlock Card Services
(402)935-5181 Lisa Weaver Card Services Debit Card Team
(402)935-2015 Teresa Rains Charge Backs
(402)935-2141 Mikalea Charge Backs
(402)935-2152 Anna Charge Backs
(402)935-2189 Margaret Charge Backs
(402)935-2340 Debbie Charge Backs
(402)935-2063 Taj Education Team Product Education
(402)935-2064 Dona Education Team
(402)935-2116 Elizabeth Executive Escalations Works closely w/Tiffany(detp.mgr). Very Responsive.
(402)935-2129 Joe Executive Escalations
(402)935-2156 Brian Executive Escalations
(402)935-2157 Megan Executive Escalations
(402)935-2172 Adam Executive Escalations
(402)935-2173 John Executive Escalations
(402)935-2174 Jackie Executive Escalations
(402)935-2192 Eric Executive Escalations
(402)935-2128 Stacy Executive Escalations
(402)935-2228 Stacy Executive Escalations
(402)935-2238 Tiffany Executive Escalations Manager of Executive Escalations.
(402)935-2268 Beth Executive Escalations
(402)935-2269 Michelle Executive Escalations Schedule: Tues~Thur 9:30AM~8PM
(402)935-2334 Luke Executive Escalations
(402)935-5145 Melanie Executive Escalations Schedule: M-F 4PM~Mid. CST
(402)935-5146 Leslie Executive Escalations
(402)935-5163 Rick Martin Executive Escalations
(402)935-2112 Gloria Finance
(402)935-2207 Jeremy Finance
(402)935-2371 Julie Finance
(402)935-2239 Collin Fraud & Security Fraud Prevention
(402)935-2267 Mark Fraud & Security Trust & Safety
(402)935-2272 Michael Fraud & Security Protection Services
(402)935-2366 Suzanne Combes Brown Fraud & Security Risk Management Manager
(402)935-2368 Sheryl London Fraud & Security Protection Services: Senior Agent
(402)935-5134 Bill Gray Fraud & Security Internal Audit. Mountain View Office: 650-864-8046
(402)935-2044 Paula Adams Global Services Global Help Desk
(402)935-2127 Amy Bush Global Services
(402)935-2048 Joyce Brown Human Resources Training Department
(402)935-2051 Melanie Human Resources Training Department
(402)935-2128 Michelle Human Resources HR/Benefits Coordinator
(402)935-2169 Sterling Blackwell Human Resources Employee Development
(402)935-2283 Amy Human Resources Staffing
(402)935-2318 John Latke Human Resources Training Department
(402)935-2339 Michelle Mullis Human Resources
(402)935-5128 Michelle Human Resources Benefits Coordinator
(402)935-2001 IVR Testing Line Internal / IT Tests voice recognition, play around.
(402)935-2004 IVR Testing Line Internal / IT Tests voice recognition, etc.. play around
(402)935-2026 Password Prompt (?) Internal / IT Line immediately prompts for password. Unsure of it's use.
(402)935-2032 Employee Attendance Line Internal / IT (try user: 1234 pass:1234, works to play around with)
(402)935-2069 ECS System Testing Internal / IT Play around, not sure of purpose.
(402)935-2299 Internal Software Helpdesk Internal / IT
(402)935-5100 Employee Attendance Line Internal / IT (user: 1234 / pass: 1234 to play around)
(402)935-5151 Hold Music / Advertisement Internal / IT Test Line for Hold Music ?
(402)935-5149 Monitoring Line? Internal / IT
(402)935-5168 Monitoring Line Internal / IT
(402)935-5184 Gene (or Steve) Internal / IT Technical Support Manager
(402)935-5199 Call Center Status Line Internal / IT This ext. will place the call center in Emergency or Normal state.
(402)935-2274 Matthew Member Services Member Services Supervisor
(402)935-2321 Michelle Member Services Supervisor (Sat/Sun/Mon 11A~Mid)
(402)935-2357 Terry Dale Member Services
(402)935-5161 Tim Loban Merchant Fraud & Risk Weekend Supervisor (Sat/Sun/Mon 11AM~Mid)
(402)935-5169 Alicia Merchant Fraud & Risk
(402)935-2074 Tammy Galvin Quality Development
(402)935-2226 Jenny Quality Development
(402)935-2034 Janie Bartlett Resolution Services
(402)935-2132 Bryant Resolution Services Team Leader
(402)935-2241 Lynn Vogue Resolution Services
(402)935-2251 Mike McCormick Resolution Services Resolution Services Supervisor
(402)935-2266 Rich H. Resolution Services
(402)935-2353 Lorie Kilstrom Resolution Services
(402)935-5120 Tim Underlow Resolution Services Product Education Trainer for Resolution Services
(402)935-5141 Resolutions Department Line Resolution Services
(402)935-2218 Douglas H. Security
(402)935-5172 Michell Security
(402)935-2002 April Garner Unknown
(402)935-2005 Adonocca Banks Unknown
(402)935-2010 Nick Unknown
(402)935-2013 Pat Unknown
(402)935-2018 Vicki Hernandez Unknown
(402)935-2020 Mary Jo Unknown
(402)935-2028 Megan Unknown
(402)935-2039 Jeff Hagan Unknown
(402)935-2040 Mary Steeley Unknown
(402)935-2041 Michelle Parkins Unknown
(402)935-2049 Jason Finer Unknown
(402)935-2052 Eduardo(?) Unknown
(402)935-2054 Tonya Unknown
(402)935-2055 John Freeze Unknown
(402)935-2061 Rick Unknown
(402)935-2062 Nick Unknown
(402)935-2066 Michelle Unknown
(402)935-2073 Kelly Shipley Unknown
(402)935-2086 Jeff Allen Unknown
(402)935-2087 Patience Unknown
(402)935-2091 Dawn Mouski Unknown
(402)935-2095 Steve Unknown
(402)935-2098 Dona Shong Unknown
(402)935-2099 Shelly Unknown
(402)935-2101 John Unknown
(402)935-2103 Latrisha Harris Unknown
(402)935-2104 Lisa Hughes Unknown
(402)935-2110 Amy Lescott Unknown
(402)935-2113 Kelly Unknown
(402)935-2115 Maggie Mentato Unknown
(402)935-2118 Paul Ingles Unknown
(402)935-2119 Stacy Price Unknown
(402)935-2123 Kelly Unknown
(402)935-2125 Koreen Unknown
(402)935-2126 Michelle Unknown
(402)935-2134 Cindy Langstrom Unknown
(402)935-2136 Lynette Lane Unknown
(402)935-2138 Kim Unknown
(402)935-2142 Kimberly Unknown
(402)935-2149 Mark Rosenthal Unknown
(402)935-2150 Eddie Unknown
(402)935-2154 Charles Unknown
(402)935-2158 Bill Unknown
(402)935-2168 Peggy Unknown
(402)935-2170 Deb Myer Unknown Schedule: M-F 8AM~4:30PM
(402)935-2171 Trish Unknown
(402)935-2175 Zack Unknown
(402)935-2178 Lashaun Unknown
(402)935-2179 Beth Unknown
(402)935-2181 Valerie Dasante Unknown
(402)935-2182 Erin Crain Unknown
(402)935-2183 Frank Unknown
(402)935-2184 Kevin Armstrong Unknown
(402)935-2186 Emily Heldridge Unknown
(402)935-2187 Erin Unknown
(402)935-2188 Lamay Unknown
(402)935-2201 Ray Unknown
(402)935-2203 Sherry Unknown
(402)935-2204 Lisa Thompson Unknown
(402)935-2205 Kimberly Unknown
(402)935-2206 Osma Unknown
(402)935-2216 Tracy Unknown
(402)935-2217 Shaun Unknown
(402)935-2224 Meliss Unknown
(402)935-2225 Jim Unknown
(402)935-2227 Eric Harrison Unknown
(402)935-2129 Name not known Unknown
(402)935-2229 unknown Unknown
(402)935-2230 Mark Peterson Unknown
(402)935-2234 Dave Unknown
(402)935-2236 Brock Unknown
(402)935-2237 Shaun Unknown
(402)935-2240 Angie Anderson Unknown
(402)935-2244 Julie Gonzales Unknown
(402)935-2246 Sally Unknown
(402)935-2253 Deb Unknown
(402)935-2254 Ellie Unknown Number changed to 935-1835, per voicemail.
(402)935-2259 Tereasa Unknown
(402)935-2264 Eric Unknown
(402)935-2265 Doug H. Unknown
(402)935-2271 Cynthia Unknown
(402)935-2273 Leslie Walker Unknown
(402)935-2276 Heather Johnson Unknown
(402)935-2281 Jason Alexander Unknown
(402)935-2288 David Unknown
(402)935-2291 John Unknown
(402)935-2298 Chris Unknown
(402)935-2302 Jim Norway Unknown Call was forwarded to a Nextel Phone Afterhours (management?)
(402)935-2305 Amanda Unknown
(402)935-2308 Cathy Unknown
(402)935-2316 Laurie Unknown
(402)935-2317 Jason Unknown
(402)935-2322 Jamie Swanson Unknown
(402)935-2324 Jessica Carasoul Unknown
(402)935-2335 Steve Unknown
(402)935-2336 Marissa Unknown
(402)935-2341 Laurie Unknown
(402)935-2342 Torrence Unknown
(402)935-2349 Karen Unknown
(402)935-2350 Beverly Unknown
(402)935-2351 Karen Lovette Unknown
(402)935-2358 John Kimmee Unknown
(402)935-2363 Claire Shumiker Unknown
(402)935-2364 Mary Viella Unknown
(402)935-2365 Frank Unknown
(402)935-2367 Mary OBrien Unknown
(402)935-2369 Kelly Carson Unknown
(402)935-2370 unknown Unknown person answered, unsure, will recheck later.
(402)935-2372 Bob Miles Unknown
(402)935-2375 Renee Unknown Schedule: Tues~Fri 1:30PM~Mid.
(402)935-2376 Foreign Speaking Employee Unknown Foreign Employee.. anyone identify language ?
(402)935-2377 David B. Unknown
(402)935-2381 Tina Unknown
(402)935-2386 Cameron Unknown
(402)935-2387 Cindy Unknown
(402)935-2391 Alisha Rhea Unknown
(402)935-2392 Cindy Kathork Unknown
(402)935-2393 Andres Unknown
(402)935-2394 Robin Unknown
(402)935-2395 Jim Unknown
(402)935-2397 Mark Davis Unknown
(402)935-2399 Janice Erickson Unknown Schedule: M-F 6AM~2:30PM
(402)935-5103 Nicole Unknown
(402)935-5105 Natalie Unknown
(402)935-5106 Angie Unknown
(402)935-5108 Gene Unknown
(402)935-5111 Doug Maxum Unknown
(402)935-5113 Becky Unknown
(402)935-5115 Carrie Unknown
(402)935-5116 Paula Baldwin Unknown
(402)935-5117 Dave Burchill Unknown
(402)935-5121 Andy J. Unknown
(402)935-5123 Micheal Jones Unknown
(402)935-5129 Marlow Rumington Unknown
(402)935-5133 Jeanette Unknown
(402)935-5136 Quincy Unknown
(402)935-5138 Terrell Anderson Unknown
(402)935-5144 Lisa L. Unknown
(402)935-5147 Evan McCaul Unknown
(402)935-5152 Jessica Palamino Unknown
(402)935-5156 Steve Unknown
(402)935-5164 Tonya Lynn Unknown
(402)935-5165 Devon Unknown
(402)935-5171 Carrol Unknown
(402)935-5175 Cindy Unknown
(402)935-5148 Jeff Lonka Unknown Admin maybe (msg says if urgent, call: 402-490-9749)
(402)935-5176 Sheila Unknown
(402)935-5178 Unknown Employee Unknown
(402)935-5179 Tim Maxwell Unknown
(402)935-5185 Rich Unknown
(402)935-5186 Jerry Lowe (female) Unknown
(402)935-5187 Brian G. Unknown Voicemail says w/Ebay
(402)935-5189 Brian Unknown
(402)935-5192 Christian Reese Unknown
(402)935-5194 Reese Unknown
(402)935-5195 Angie Unknown
(402)935-5196 Scott Unknown

Source: Screw-Paypal.com (Thanks to L!)

(Photo: Getty, Travelin' Librarian)

*
*


Here we are again, my own spoils from an EECB that weren't in this list:

"Lieberman, Usher" ulieberman@ebay.com
Sr. Manager Corporate Communications

"Vergara, Mike" mvergara@paypal.com
Senior Direct, Accounts Protection

"Friedberg, Larry" lfriedberg@paypal.com
Senior manager of Brand Marketing and Security

"Canfield, John" jcanfield@ebay.com
Senior Director for Trust & Safety policy management

"Wong, Catherine" cwong@paypal.com
Senior Product Manager, Merchant Services

"Barrett, Michael" mbarrett@paypal.com
Chief Information Security Officer

"Omidyar, Pierre" pierre@ebay.com
Chairman

"Donahoe, John" john@ebay.com
President, ebay marketplace

"Dutta, Rajiv" rajiv@ebay.com
President, Paypal

"Thompson, Scott" scott@paypal.com
Senior Vice President and Chief Technology Officer

"Livnat, Sarah" slivnat@paypal.com
Paypal Risk management

"Rule, Colin" crule@paypal.com
???

"Office of the President" csme@ebay.com

PS: The PayPal and eBay official blogs are REALLY good places to gather names from ...

car repossession

Car Repossesion

Question:

I voluntarily turned in my car at the dealership. While in their possession the car was in an accident. Do I have any means of legally disputing the balance owed on the car reflected when they auction the car?

Answer:

The fact of the vehicle having been in an accident would not make a difference on the total amount owed but it would or at least might make a big difference on what the vehicle brings. Repoed vehicles are sold at auction and many dealers have detectors that will detect the thickness of the paint on a vehicle. They take these detectors and run them over the entire body before the sale and they can tell immediately whether the vehicle has ever been in an accident or not no matter how good the repair job was. Of course that will make a difference in what the car will bring. Or if they didn't bother to repair it but sent it over the block as is. Then it would bring almost nothing.

And when you look at it that way it would make a difference in what the final balance will be. If they just hauled it over the block as is then you would have a cause of action against the dealer to recover whatever damages you might suffer as a result. You could use carfacts.com to see who bought the vehicle and maybe whether or not it had been in an accident. You could also check to see if you can find any accident reports on that vehicle. There are several ways to discover what the vehicle brought at auction and what condition the vehicle was in when sold. You could even demand information about the sale from the auction house.

There are many other actions to consider as well that you didn't mention in your question.

Bill Bauer
405-684-9297
405-227-9423

Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.
http://www.shrinkmylink.com/qlmqson

RECOMMENDED READING
Subscribe to Creditwrench mailing list on google groups.
http://www.shrinkmylink.com/iomqson Creditwrench google group by email.
See all my questions and how I answered them.
Just send an email to ceo@creditwrench.com and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.

http://www.shrinkmylink.com/hhlqson FDCPA EXPERT
www.creditwrench.com/howjudgmentswork.html
www.creditwrench.com/18questions.html
http://shrinkmylink.com/kmlqson
www.creditwrench.com/objections.html
www.creditwrench.com/howcreditwrenchworks.html
http://www.shrinkmylink.com/bnlqson List of community property states
How to answer a summons
http://www.shrinkmylink.com/exlqson

LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.

http://www.creditwrench.tv/MIKEJM-06-27-08.mp3
http://www.shrinkmylink.com/uimqson Mike JM tells about Greentree Financial case.
http://shrinkmylink.com/xsjqson
http://www.shrinkmylink.com/danqson Mark in Rhode Island gets settlement offer

Statute of Limitations for all states
http://shrinkmylink.com/zlwpson

How to set up your hard drive for creditwrench files. Makes them easy to find.
http://tinyurl.com/3lqxaw
The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.

Dial-in Number: (712) 432-1601
Access code: 508548#

You might also want to visit our message forum at http://consumers.creditwrench.com to get answers to questions you need answered before next Friday night. __________________
http://shrinkmylink.com/qlmqson Try this great new search engine!
This Sigline updates constantly! Try it!
Creditwrench - The lethal weapon against debt collectors
ceo@creditwrench.com
Creditwrench Blog
(405) 684-9297- CALL ANYTIME
(405) 684-9297 FAX NUMBER
(405) 227-9423 - CALL ANYTIME
(405) 384-4508 - CALL ANYTIME

Sued

Sued, Liened, and Maxed Out
Question:
Hi CW,

I just settled with IRS who is taking all of my disposable income every month (there is *barely* enough for rent, food, utilities, and to drive my car).

IRS

However Capital One has hired a law firm to collect on a $700 principle credit card debt (a card I never used, signed for, my wife signed for it in my name). The debt is up to $1400 with penalties and late fees however the law firm is telling me if I don't pay in full by monday they will sue and I will end up owing the $1400 plus 8k in attorneys fees.

Capital One

I have explained my situation to them and they either don't believe that I don't have the money or frankly don't care at this point. I have exhausted any potential lenders to get me out of this situation, if they are awarded a judgment against me and a garnishment (which will cause me to fail on my lien agreement with the IRS) I am totally screwed with the IRS who already has said if I fail even one month to make my payment they will levy everything I own including bank accounts.

judgment

Will a judge really award a judgement that will cause me to be levied? Can I still dispute that this debt is mine (I never used the card and I know I never signed for it)? Any help would be greatly appreciated.

judgemnet

p.s. I owe IRS 50k and 65k in credit cards in case that changes any of your answers, no I don't qualify for bankruptcy according to the attorney I met with.


bankruptcy

Answer:

I'd let them sue me. I know you are very frightened by what might happen if they get a judgment and I certainly can't disparage you for that. But if you learn to fight back the right way then you can turn the table on them. Let them learn that what goes around comes around.

First of all, where is the contract that you supposedly agreed to? I've just been provided with some new information from at least 3 attorneys who all state that the card agreement must be presented in court. No card agrement, no statements showing use of the card then there is no case. These same attorneys, One from Alabama, one from Oregon and one from New York all say the same thing and all agree on a shocking new legal theory dealing with credit cards and credit card lawsuits.

credit card

Now then, I must admit that this is probably not the least bit new or shocking to some lawyers but it sure was shocking to me and it will be very shocking to millions of consumers. The "new" information heavily underscores the need to force them to produce that contract upon which they base their claim.

consumers
lawyers

The "new" information is so devastating that it presents an entirely new approach to how consumers can fight in local courts and win and leaves the vast majority of credit card judgments null and void upon their face and vulnerable to collateral attack that is going to be very tough for judges to deny motion to vacate their judgments.

So in order to get these people off your back you need to start learning how to detect their violations of law and take them to federal court. That will put a big hitch in their git-along.

It is, in fact, so devastating that it also opens up a new line of attack in federal courts.

Now then, how did I make this "earth shattering" discovery? Just this last week I have been setting up RSS feeds on my message board at http://consumers.creditwrench.com so the latest in court decisions and law related information is brought in for my readers to learn from. I also have set up a newsletter that people can subscribe to and follow what is happening on my message board and on my blogs.
People can subscribe to my newsletter by going to my web site at http://www.creditwrench.com and looking in the right hand column. Once there look for the GOOGLE box where it says "subscribe to the creditwrench newsletter.

The advantage is that one does not have to visit my message board to pick up on the latest posts and rss feeds because they can get an email everytime someone posts or they can get a daily digest of everything that happened that day by email. Saves people a great deal of time.

One thing I'm going to start asking people to do is to send me copies of credit card agreements from any and all credit card companies they might have. New ones, old ones, it don't matter. In fact, the older the better. All they have to do is scan them front and back and send them to ceo@creditwrench.com so they can be used to help people defeat these bloodsuckers.

Bill Bauer
405-684-9297
405-227-9423

Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.
http://www.shrinkmylink.com/qlmqson

RECOMMENDED READING
Subscribe to Creditwrench mailing list on google groups.
http://www.shrinkmylink.com/iomqson Creditwrench google group by email.
See all my questions and how I answered them.
Just send an email to ceo@creditwrench.com and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.

http://www.shrinkmylink.com/hhlqson FDCPA EXPERT
www.creditwrench.com/howjudgmentswork.html
www.creditwrench.com/18questions.html
http://shrinkmylink.com/kmlqson
www.creditwrench.com/objections.html
www.creditwrench.com/howcreditwrenchworks.html
http://www.shrinkmylink.com/bnlqson List of community property states
How to answer a summons
http://www.shrinkmylink.com/exlqson

LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.

http://www.creditwrench.tv/MIKEJM-06-27-08.mp3
http://www.shrinkmylink.com/uimqson Mike JM tells about Greentree Financial case.
http://shrinkmylink.com/xsjqson
http://www.shrinkmylink.com/danqson Mark in Rhode Island gets settlement offer

Statute of Limitations for all states
http://shrinkmylink.com/zlwpson

How to set up your hard drive for creditwrench files. Makes them easy to find.
http://tinyurl.com/3lqxaw
The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.

Dial-in Number: (712) 432-1601
Access code: 508548#

You might also want to visit our message forum at http://consumers.creditwrench.com to get answers to questions you need answered before next Friday night.