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Partners for Payment Relief

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Fast Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to use postcards in their debt collection efforts.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 4 Comments

    1. ann bowdoin on January 6, 2015 at 3:03 pm

      My husband died 9 years ago and I eventually defaulted with Wells Fargo on a second mortgage. I am current with Chase, my first lien holder, for $631. Monthly Partners was the third collection agency to have this loan. They harassed me relentlessly even knowing I had no money. They foreclosed on me and had the sheriff come and put me out. I am a 65 year old disabled widow and they knew it. They relented when I agreed to settle. When I signed under duress, they put the house in their company name, I lost my homestead exemption, and my taxes went up to $1700.00. Chase paid them and now want to up my payments to $803.00 to cover the shortfall. I can’t pay this and if I don’t Partners will put me out. I don’t know what Chase will be able to do since the county shows Partners as the owner. I’ve been here since 1989.

    2. Ivan S. on March 18, 2015 at 9:30 pm

      If you have a second mortgage and it was bought by Partners For Payment Relief my only suggestion to you is to get a lawyer. Partners For Payment Relief has only one thing in mind – that is to get your house. They will not work with you if you want a new payment plan or a modification. What they want is the key to your house. They are still harassing me. If you get a letter from Partners for Payment Relief, the only way is to run and find yourself a good lawyer.

    3. Isaac N. on May 2, 2015 at 10:39 pm

      I am dealing with Partners For Payment Relief now. Partners For Payment Relief are awful! I have my bankruptcy lawyer involved and hopefully we will not have to face Partners For Payment Relief trying to take the house. My first mortgage is up to date and the house is worth less than the first. Harassment is an understatement as far as what Partners For Payment Relief does.

    4. Dave on July 10, 2015 at 1:07 pm

      I was notified that Partners for Payment Relief (PPR) had obtained a copy of my credit report. I have not authorized PPR to request and obtain a copy of my credit report. I provided PPR formal notice to cease unauthorized inquiries into my credit report . They failed to respond to my demand to remove the improper inquiries or provide any document that authorized them to make inquiries into my credit report. I notified PPR the debt was discharged in Federal Bankruptcy Court (Chapter 7 2009) and any attempts at collection; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act(s). They assured me in our conversation they would not request my credit report in the future. Three months later, on July 8, 2015 they pulled my credit report again. I have no legal ownership interest in the property which they are attempting to collect. The mortgage holders affirmed they are NOT pursuing any claims against the property or discharged mortgage. Whats more the mortgage is being paid by ex timely. In addition they stated they have not retained or authorized PPR to obtain my credit report or act on their behalf in any attempt to collect on a debt. I have provided PPR documentation of the mortgage discharge in federal bankruptcy court as well as the recorded deed showing I have no ownership rights in the property. PPR is prohibited by federal bankruptcy law to attempt to collect on the discharged debt, is not an agent of the mortgage holders, is only permitted action against the property in which I have no ownership right and I have not authorized them to obtain my credit report. As a result they have no legal right to request and obtain a copy of my credit report but refuse to cease and request the credit bureaus where they obtained the reports remove record of the inquiries. I agree with some of the comments made in this string that your best course of action is to seek the assistance of attorney. I haven’t been and now have an attorney involved.

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