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(MSN)   DMs and friend requests from debt collectors became legal yesterday. Delete your social media accounts to be safe   (msn.com) divider line
    More: PSA, MSN  
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3549 clicks; posted to Politics » and STEM » on 01 Dec 2021 at 9:47 AM (24 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



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2021-12-01 9:30:25 AM  
What social media accounts?
 
2021-12-01 9:30:59 AM  
Great.  It's not bad enough I get bogus debt collection calls as it is.
 
2021-12-01 9:38:29 AM  
The entire country is turning into one giant scam.
 
151 [OhFark]
2021-12-01 9:48:21 AM  
Oh no I'll have to ignore something else
 
2021-12-01 9:48:37 AM  

jasonvatch: What social media accounts?


He says, on a social forum.
 
2021-12-01 9:51:22 AM  

Marcus Aurelius: The entire country is turning into one giant scam.


Turning? Oh honey...
 
2021-12-01 9:52:05 AM  
At the very least, you can block people on social media easier than getting rid of robocalls on your cell phone.  But it's still a game of whack-a-mole.
 
2021-12-01 9:52:54 AM  
Does facebook want real and fake debt collectors harassing their client base who they need interaction from? I'm surprised a law like this was even passed without some serious pushback from the big tech side.
 
2021-12-01 9:54:09 AM  
I like the old ways, when  you would just send someone around to break their legs.  I miss the personal touch.
 
2021-12-01 9:54:13 AM  
Pay your Dungeon Masters what you owe them, cheapskates.
 
2021-12-01 9:54:29 AM  
Or maybe just consider just paying your debts?
 
2021-12-01 9:55:02 AM  

Headso: Does facebook want real and fake debt collectors harassing their client base who they need interaction from? I'm surprised a law like this was even passed without some serious pushback from the big tech side.


I think you underestimate how much money was paid to Facebook (not to mention Congress) in order for them to not oppose this
 
2021-12-01 9:55:05 AM  
Blocked and reported for harassment.
 
2021-12-01 9:55:13 AM  
Are people really in the habit of accepting friend requests and DMs from random strangers? Is this really an issue for folks?
 
TWX
2021-12-01 9:55:47 AM  

Algebrat: jasonvatch: What social media accounts?

He says, on a social forum.


This isn't social media.  This is antisocial media.

No one's name is bound to their account unless they choose to do that.

This site is basically a grafitti wall writ-large.
 
2021-12-01 9:55:59 AM  

Marcus Aurelius: The entire country is turning into one giant scam.


Hey I am just responding to inquire about that $75 disconnect fee you never paid when you switched cell phone providers four years ago.
 
2021-12-01 9:56:48 AM  
Debt collectors are just doing their job.

But that doesn't mean we the people should give them tools to make their job easier.
 
2021-12-01 9:57:12 AM  
FTA: "The changes to the Fair Debt Collection Practices Act (FDCPA), which is intended to eliminate abusive debt collection practices, were introduced during the Trump administration when the Consumer Financial Protection Bureau (CFPB) became friendlier to the business community. "

Dolt45 is the awful gift that keeps on giving.
Fark user imageView Full Size
 
2021-12-01 9:57:51 AM  

151: Oh no I'll have to ignore something else


Exactly... I don't think this is a big deal.

In reality, the collectors have only stumbled on new ways to be frustrated by their targets when they ignore/block/report, etc...
 
2021-12-01 9:58:31 AM  
What percentage of the collection amounts does Facebook get?
 
2021-12-01 9:59:45 AM  

baronbloodbath: Debt collectors are just doing their job.

But that doesn't mean we the people should give them tools to make their job easier.


I really don't think this one is going to make it 'easier'.

It's pretty darn easy to block/ignore/report abuse on most social media sites.
 
2021-12-01 9:59:53 AM  
khabar.comView Full Size
 
2021-12-01 10:00:04 AM  

TWX: This site is basically a grafitti wall writ-large.


I like to think of it as the restroom stall of the internet.
 
2021-12-01 10:00:35 AM  

Karne: Or maybe just consider just paying your debts?


Maybe.

I got a call from a "debt collector" about a credit card debt that fell off the collections statute of limitations five years ago. Now, I'll freely admit I didn't pay that one (there's reasons we won't get into), but it is ALSO true that they have four years to file the suit, get the judgment, and go after your ass. If they don't, then no pass go, no collect money.

This just opens the door wide to all those bottom-scraping "debt collectors" going after people less legally savvy than myself who will get a DM about a ten-year old account and panic thinking they're toast. You do NOT have to pay credit card debts after the statute has run if there was never a judgment, and they DO have to provide you with proof of service at some point; and this is just a slimy way for people even lower than lawyers to go after your money.
 
2021-12-01 10:01:28 AM  

Hoblit: 151: Oh no I'll have to ignore something else

Exactly... I don't think this is a big deal.

In reality, the collectors have only stumbled on new ways to be frustrated by their targets when they ignore/block/report, etc...


If they get a text with the word "yes" in it they can easily create a "trail" that say you've agreed the debt is valid and BAM the 7 year counter resets.

Which is EXACTLY why they want to do this.

And seriously, folks, for farks sake NEVER accept a request from someone you don't know, never answer a phone call from a number you don't know. If they can't leave a message, they're trying to harm you in some way.
 
2021-12-01 10:02:51 AM  
You mean I didn't go to high school with Yuhomi Munney III?

Go Tigers Class of '86!
 
2021-12-01 10:02:54 AM  
Oh no. People provided their real names, pictures and personal info on social media sites.

Anyway.
 
2021-12-01 10:03:18 AM  
"jUSt PaY yOuR dEbT"

No.

fark the idiot companies who were stupid enough to give out money in the first place.
Debt collectors are human scum and should be treated as we treat anti-maskers and anti-vaxxers - like they're too dumb for anything else.

If you're a debt collector, do us all a favour and quit.


Oh, and I don't have any debts, if you were wondering.
 
2021-12-01 10:03:20 AM  

MusicMakeMyHeadPound: TWX: This site is basically a grafitti wall writ-large.

I like to think of it as the restroom stall of the internet.


<Taps foot>
 
2021-12-01 10:03:51 AM  
Good luck finding ol' Mortimer fudd.
 
2021-12-01 10:04:21 AM  
Oh, good! Another way to tell them:

"You are hereby ordered to cease and desist all collection actions immediately."

It'll be in writing, and delivered instantly, so they cannot deny ever receiving it.

You should still follow up with a certified letter, with a return receipt, just to CYA.

/just more collection agency harassment now
 
TWX
2021-12-01 10:04:24 AM  

MusicMakeMyHeadPound: TWX: This site is basically a grafitti wall writ-large.

I like to think of it as the restroom stall of the internet.


"Grafitti Wall" was a program that ran on computer bulletin board systems that was basically a place to post short messages that anyone set up to view would see.  It was pretty similar to the idea of writing on the stall with a marker.

lh3.googleusercontent.comView Full Size
 
2021-12-01 10:06:05 AM  

Gyrfalcon: Karne: Or maybe just consider just paying your debts?

Maybe.

I got a call from a "debt collector" about a credit card debt that fell off the collections statute of limitations five years ago. Now, I'll freely admit I didn't pay that one (there's reasons we won't get into), but it is ALSO true that they have four years to file the suit, get the judgment, and go after your ass. If they don't, then no pass go, no collect money.

This just opens the door wide to all those bottom-scraping "debt collectors" going after people less legally savvy than myself who will get a DM about a ten-year old account and panic thinking they're toast. You do NOT have to pay credit card debts after the statute has run if there was never a judgment, and they DO have to provide you with proof of service at some point; and this is just a slimy way for people even lower than lawyers to go after your money.


If I'm not mistaken, this gives them a plausible "in" to have established contact and reset the statute of limitations - if you talk to them, it re-sets the clock AFAIK (which is second-hand from a friend who successfully beat the clock).
 
2021-12-01 10:06:06 AM  
DM requests? Great, I've been looking for a local group to join.

Fark user imageView Full Size
 
2021-12-01 10:06:44 AM  
I honestly don't even get how debut collection is legal. Hiring someone to harass you into paying the debt, sure, but to just buy and sell debt... I agreed to pay company x, not some dick-bag collections corp. And I sure as fark didn't agree to pay interest on the debt to anyone, so how the fark does that work?
 
151 [OhFark]
2021-12-01 10:06:47 AM  

I hereby demand that I be given a Fark account: Hoblit: 151: Oh no I'll have to ignore something else

Exactly... I don't think this is a big deal.

In reality, the collectors have only stumbled on new ways to be frustrated by their targets when they ignore/block/report, etc...

If they get a text with the word "yes" in it they can easily create a "trail" that say you've agreed the debt is valid and BAM the 7 year counter resets.

Which is EXACTLY why they want to do this.

And seriously, folks, for farks sake NEVER accept a request from someone you don't know, never answer a phone call from a number you don't know. If they can't leave a message, they're trying to harm you in some way.


This makes no difference in the 7 year counter. They can just sell it to somebody else, counter resets. I have a car loan from farking 2002 that is still on my credit report, and will likely never disappear. Texting them "suck my dick" vs "yes" isn't gonna change that.
 
TWX
2021-12-01 10:07:15 AM  

rfenster: MusicMakeMyHeadPound: TWX: This site is basically a grafitti wall writ-large.

I like to think of it as the restroom stall of the internet.

<Taps foot>


Senator, don't you remember what happened last time you did that?
 
2021-12-01 10:07:29 AM  

Karne: Or maybe just consider just paying your debts?


I had a debt collector for a doctor's office go after me hard for a bill that I had in fact paid seven years prior (I'm a total packrat when it comes to receipts).

I kept that as an ace in case we went to court. Turns out it wasn't necessary - they backed off after I nailed them for harassment.

Accidents happen (all the time!) and if I fell for their ploy I would've been on the hook for something I didn't rightly owe.
 
TWX
2021-12-01 10:10:22 AM  

TWX: MusicMakeMyHeadPound: TWX: This site is basically a grafitti wall writ-large.

I like to think of it as the restroom stall of the internet.

"Grafitti Wall" was a program that ran on computer bulletin board systems that was basically a place to post short messages that anyone set up to view would see.  It was pretty similar to the idea of writing on the stall with a marker.

[lh3.googleusercontent.com image 588x364]


Oh, and despite how it looks, this was not simply me copying your average TFD thread and pasting it into a 40-column screen emulator.
 
2021-12-01 10:10:34 AM  
What was that? Create a bunch of social media accounts in my name with bogus location and other details?
 
2021-12-01 10:11:14 AM  
On second thought, this may get people to stop using facebook.
 
2021-12-01 10:11:20 AM  

MusicMakeMyHeadPound: Karne: Or maybe just consider just paying your debts?

I had a debt collector for a doctor's office go after me hard for a bill that I had in fact paid seven years prior (I'm a total packrat when it comes to receipts).

I kept that as an ace in case we went to court. Turns out it wasn't necessary - they backed off after I nailed them for harassment.

Accidents happen (all the time!) and if I fell for their ploy I would've been on the hook for something I didn't rightly owe.


I've been contacted three times by someone who claims I owe money out west. It doesn't show up on my credit report and I just think it's a case of mistaken identity.

But that didn't stop them from harassing me to the point where I have all three of those numbers they used, blocked.
 
2021-12-01 10:14:25 AM  

likwidflame: "jUSt PaY yOuR dEbT"

No.

fark the idiot companies who were stupid enough to give out money in the first place.
Debt collectors are human scum and should be treated as we treat anti-maskers and anti-vaxxers - like they're too dumb for anything else.

If you're a debt collector, do us all a favour and quit.


Oh, and I don't have any debts, if you were wondering.


More specifically, fark medical insurance companies for almost putting us in the poor house with their "coverage". All of my debt stems from there.

Left FB years ago, still not regretting it.
 
2021-12-01 10:15:12 AM  

151: I hereby demand that I be given a Fark account: Hoblit: 151: Oh no I'll have to ignore something else

Exactly... I don't think this is a big deal.

In reality, the collectors have only stumbled on new ways to be frustrated by their targets when they ignore/block/report, etc...

If they get a text with the word "yes" in it they can easily create a "trail" that say you've agreed the debt is valid and BAM the 7 year counter resets.

Which is EXACTLY why they want to do this.

And seriously, folks, for farks sake NEVER accept a request from someone you don't know, never answer a phone call from a number you don't know. If they can't leave a message, they're trying to harm you in some way.

This makes no difference in the 7 year counter. They can just sell it to somebody else, counter resets. I have a car loan from farking 2002 that is still on my credit report, and will likely never disappear. Texting them "suck my dick" vs "yes" isn't gonna change that.


It is easy to have stuff removed from your credit report. Also, nothing stays on a credit report for 19 years.
 
2021-12-01 10:16:37 AM  

Marcus Aurelius: The entire country is turning into one giant scam.


Always was.jpg
 
TWX
2021-12-01 10:17:53 AM  

MusicMakeMyHeadPound: TWX: This site is basically a grafitti wall writ-large.

I like to think of it as the restroom stall of the internet.


As far as restroom stalls go, they can be convenient.

https://en.wikipedia.org/wiki/Murder_of_Robert_McCartney#Forensic_cover-up_and_investigation

Relevant paragraph: When the police launched the murder investigation they were met with a "wall of silence"; none of the estimated seventy or so witnesses to the altercation came forward with information. In conversations with family members, seventy-one potential witnesses claimed to have been in the pub's toilets at the time of the attacks. As the toilet measures just four feet by three feet, this led to the toilets being dubbed the TARDIS, after the time machine in the television series Doctor Who, which is much bigger on the inside than on the outside.
 
2021-12-01 10:17:58 AM  
Cool.... I think I'll go borrow some money.....

Fark user imageView Full Size
 
2021-12-01 10:20:09 AM  

Diogenes: Great.  It's not bad enough I get bogus debt collection calls as it is.


and I keep calling about your car insurance extended warranty and can never get thru!
 
2021-12-01 10:21:29 AM  

Headso: Does facebook want real and fake debt collectors harassing their client base who they need interaction from? I'm surprised a law like this was even passed without some serious pushback from the big tech side.


It's just updating Skip Tracing techniques legally into the modern age.

I ignore DM's from people I'm not familiar with as a rule.
 
2021-12-01 10:21:36 AM  
not a big SM user.  don't the apps have block features?
 
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