Small Business Loans

In a mind-blowing turn of events, bill collectors from Advanced Call Center Technologies LLC have to shell out a whopping one point five million dollars for rude and vulgar voicemails that were sent to a man’s mobile phone. According to sources, the company sent out eight threatening and demeaning voice mails on Allen Jones’ phone attempting to collect what it claimed he owed on a credit card.

Most of the messages were ridden with profanity and horrifying racial slurs. “This is your mother (curse) wakeup call you little lazy (curse) (curse),” a collector was quoted as saying in one message. “Get your (racial slur) (curse) up and go pick some mother (curse) cotton fields,” said another. Jones is African-American.”This is not acceptable. Nobody should have to go through what I had to go through,” he said.

Mark Frenkel, one of Jones” lawyers says: “If we didn’t have the messages on tape, nobody would have ever believed that this occurred.” “This is definitely, without any doubt, the most horrifying collection case I have ever seen,” Dean Malone, Jones” other lawyer, added. Jones took Advanced Call Center Technologies to court over the harassing, threatening phone calls. And last Friday, a Dallas County jury awarded him of the biggest verdicts of its kind – 50,000 dollars in mental anguish and one point five million dollars in punitive damages.

“Today we made a statement” said Jones in reply to the verdict, “and the statement is we will not tolerate abusive debt collectors.” According to the attorneys, employees from Advanced Call Center Technologies confessed to the calls, but it remains unclear if they are still with the company and whether the company will appeal the case or not.

Meanwhile, Jones has always disputed the debt and claims that he paid it, and the amount in question was a minuscule amount of two hundred dollars. It seems unbelievable that this man had to suffer like this for such a small amount, and now, thanks to the American court system, and justice, it is.

Rapid Recovery Solution is a commercial collection agency. Grab a totally unique version of this article from the Uber Article Directory

Being able to locate a debtor\’s bank account can be quite useful in your attempt to collect. By law, it is required that a private investigator to do the work. Be wary when you hire someone to locate bank account numbers as there are a number of scam companies claiming that they can help, and take your money with no activity in return.

Down Below are legal and legitimate ways to obtain a debtor\’s bank account number.

If your debtor is employed by a retail store purchase something from the debtor and pay by check. This is a great technique that you can use to find out account information by looking at your own bank statement; the bank account information will allow you to determine the debtors account number.

Interactions with a previous landlord of the debtor has the capacity to be very fruitful. Ask his formal landlord. You can subpoena the old land lord for a copy of the rental application to see where the defendant banked. Because old habits die hard, it is likely that the debtor still uses the same bank account.

One consideration that is helpful to think about is serving a Business Record Subpoena on the employer in order to get a copy of a payroll check the debtor has cashed in. The check should have the defendant\’s account number and quite possibly the name of the bank on the bank.

There are also more \”colorful\” ways to obtain information about a debtor\’s bank account. Conduct a trash search. This is an effective way to obtain bank information and a way to get to know more than you ever wanted about this debtor.

One very elaborate scheme to get the information on your debtor\’s bank account is what I like to call \”the fake block party.\” Mail post cards to everyone who lives on your debtor\’s block, and put up signs directing traffic towards his house. The debtor may get block party fever and open his garage. Scope out his items and take inventory. He may even start to sell things. At this point, buy something and give them a check.

Viola! All of these plots are legal, but my advice would be to root through a debtor\’s trash and stage a block party last, because that seems kind of crazy.

Mallory McGuinness is employed by a debt collection agency. Also, she composes stories on business, finance, the credit industry, and debt collection. Get a totally unique version of this article from our article submission service

In recent news it was revealed that in Michigan at some doctor\’s offices, patients will need to present and utilize their credit cards before receiving medical care. A fairly new internet based medical payment program allows medical providers to secure a credit card before medical help is provided.

Touting the fact that it is a way of making sure medical providers get paid while keeping administrative costs down, the company has been around since 2008. It works like this: upon arriving at their doctors office, patients are told by their medical care provider what the maximum amount a particular procedure will most likely cost. The patient slides their credit card, gets the procedure done, and strolls out of the office with a receipt and a detailed slip of services provided.

At this point the provider will bill the patient\’s insurance company. It will tell the provider how much of the work is covered; the balance left over is charged on the card. If a deductible hasn\’t been met, then the entire price of the procedure is charged.

More pressure has been placed on patients to pay their bills in the form of co pays, out of pocket expenses, and higher deductibles with the increase of health care costs. With this increasing stress, unpaid and delinquent bills have become big issues for medical providers.

Patient\’s health care payments are currently over three hundred billion dollars a year, and that number is expected to balloon up to twice that number by 2015. From this number, fifty to sixty billion dollars of current health care debts go unpaid. The program has proven to reduce delinquent accounts by up to eighty percent.

Yet some experts remain skeptical. The huge issue of patients who do not pay their credit card balance every month has not yet been resolved, much less the issue of a patient not having a credit card.

Mallory Megan is employed by a debt collection agency. She also does articles on business and finance, consumer spending, and debt collection. Get a totally unique version of this article from our article submission service