Attention, Your Honors!
When a collection agent brings a case before your court, you should refer to this ever growing list of banks and credit card suppliers who engage in unfair business practices and resort to usury when dealing with their customers.
The perfect example would be Lisa and Vincent Ciofani and how they were treated by the creditors. They’re the best examples because they have the track record of being very credit worthy to the extreme of having, at one time not so long ago, paid off every credit card and loan they owed. They got credit cards and loans again and were credit worthy people, paying their payments on time every month. Then, tragedy struck: Lisa incurred a job and income change and Vincent’s father died. This threw some monkey wrenches in their lives for a few months and they were only able to make partial payments on their credit cards. The other loans and bills are paid on time, in full. The credit cards, however, stopped being used by them and they opted to just pay them off.
The companies were informed of the intent to pay them off and the necessity to make partial payments until the financial difficulties incurred from the income change could be adjusted. The credit card companies, or the banks that held the loans, rather, proceeded to bill the couple for “late” fees on the partial payments every month. That’s seven credit cards charging $35 and more per month for almost a year. They are still charging the late fees every month, totally negating their partial payments, as if the accounts are still active. The balances continue to grow, even though payments are made every month! Yet the creditors have sent the accounts to collections agents who are hounding the couple for the entire amount (what part of this doesn’t sound retarded and counterproductive to you?). Now, the couple can not even get a consolidation loan, as they did to pay off their credit cards before, due to the multiple hits on their credit reports.
So, Your Honors, we submit to you that the creditors in this letter did not want to allow the couple to pay them the amount due. It was some sort of power play to crush them. Now, they sell the debts that they increase with every month for pennies on the dollar to the collections agents and they will collect the entire loss when they file their taxes at the end of the year. So, the creditors lose nothing and the credit worthy couple gets bombarded by vultures and loses everything, even their good name, and it’s all made possible due to banks and credit card suppliers abusing laws that should not be in the books against American hardworking people, anyway.
The list of offenders so far are the banks that supply credit for 1st Premier (First Premier), Capital One, Verve, and Fingerhut credit cards. WebBank is the Fingerhut squirrels. Continental Bank is another. Merrick Bank, too.
Just two years ago, this same couple paid them all off, in full, thousands of dollars! They were never late with their payments before these tragedies struck! HOW do you turn around and treat people like this and not expect it to come back on you somehow? You, the squirrelly bankers, are the deadbeats! You’re so worried about getting your money, even pennies on the dollar, RIGHT NOW, that you can’t treat people with some common human consideration when tragedy strikes them? That’s parasitic and less than human. It should be illegal and it probably is: Run up a debt that you’re keeping active, cash the checks even, but sic collections agents on the credit worthy clients who’re paying you every month in spite of it? Crazy as Hell!
We need judges to do the honorable thing by people being sued by collections agents and consider that the creditors may have made it IMPOSSIBLE to pay the debts off, just like they did with Vincent and Lisa Ciofani.
Just rulings create precedence that they must abide by…We’re just saying. This has gone on long enough. They gave Vincent a stroke already with their scare tactics. What can they collect if they KILL the guy with their antagonization, huh? Is it now legal to antagonize someone to death for not having enough money to pay an entire debt just because the bank is a squirrel that got squirrelly?
Your rulings can count! Let’s see JUSTICE in America against these bankers, for a change!
`~`
