The Creditwrench blog talk radio show for March 16th 2009 features
Marcy Solmon of Edmond Oklahoma being interviewed by talkshow host Bill
Bauer of Oklahoma City, Oklahoma. The topic of discussion is about
Marcy’s ideas on how to bring about licensing of debt collectors in
Oklahoma.

payday loansQuestion:i received a payday loan in set and had issues
with my bank account and made them aware of it, they then told me it
was going to go to collections, a company named i-collect in which i
havent received a phone call. now im getting calls from a company named
ccrm stating they represent Hawiian midland financial, but they refuse
to send a invoice so that i can pay the bill or anything. and when i
contact the company i got the loan through they insist they only go
through i-collect. i have received nasty voicemails from ccrm stating
jail and going to court and i better get a good lawyer. please advise
what to do or what is possible, the company dont have a number for me
to contact i-collect. i asked how do i pay the loan off if i-collect
dont contact and the loan company rep said that she dont knowAnswer:If
I were in that kind of situation my first thought would be that they
must not want to get paid very badly. It seems logical to think that if
they wanted to get paid they would provide me with the address where I
could simply send them a U.S. Postal money order by certified mail
return receipt requested. That is the only way I would pay them because
I know that any debt collector who won’t be up front with me would
never give me a receipt for my money so I could prove I had paid the
debt.On top of that I would also know that a debt collector who
wouldn’t give me full contact information and even got so far out of
line that they threatened me with jail was a debt collector who
obviously wanted me to sue them for those violations of FDCPA and so I
would be only too happy to oblige them.Of course, I would be recording
their phone calls and I would have sent them a debt validation letter
within 30 days of their initial contact with me. I would be using the
list of 18 questions to be found at 18 questions for debt collectors
every time they called. They would either answer the questions or I
would simply hang up on them. Then if they did send the account to a
lawyer I’d sue them again and then send a debt validation letter to the
attorney and get ready to start gathering evidence against the lawyer
so I could take the lawyer to federal court naming the debt collector
as a co-defendant.I’d also be watching my public record at the
courthouse on a daily or weekly basis so I would know when they filed a
lawsuit against me and I would respond to their lawsuit before I ever
got served by a sheriff. I wouldn’t wait to get served.Now why are you
worried about how to pay them when you should be worried about how to
make them pay you to go away and leave them alone?