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Debt collectors utilize Facebook to embarrass those who owe
WTSP News ^ | Nov. 16, 2010 | Beau Zimmer

Posted on 11/17/2010 7:01:28 AM PST by COUNTrecount

Tampa, Florida -- Debt collectors can be relentless and downright rude on the phone, but now a St. Petersburg woman is filing suit alleging the company that financed her car loan began harassing family members over the social networking website Facebook.

Melanie Beacham says she fell behind on her car payment after getting sick and taking a medical leave from work. She contacted MarkOne Financial to explain the situation but says the harassing phone calls, as many as 20 per day, kept coming. Then one day she got a call from her sister saying the company contacted her in Georgia.

"I was telling her, 'No way, because you're not even a reference,'" said Beacham, who later found out MarkOne contacted her sister and other relatives via Facebook.

Beacham says the company claimed they were doing nothing wrong but, upset over what happened, she contacted Tampa based consumer attorney Billy Howard of Morgan & Morgan.

"Now Facebook does a debt collectors work for them. Now it's not only family members, it's all of your associates. It's a very powerful tool for debt collectors to use," says Howard.

He believes Facebook will soon become a regular method for contact if nothing is done.

"It's getting the desired result, and that is to start a domino effect of panic and embarrassment among family and friends, and people will do anything to stop that."

Howard has now filed a first of its kind lawsuit against MarkOne asking a judge to ban the company from using Facebook and other social networking websites to contact friends and family members over a debt.

10 News was unable to reach MarkOne Financial for comment Monday regarding the suit filed in Pinellas County.

Beacham hopes the lawsuit will keep debt collectors from exploiting consumers on Facebook.

"Nobody should have to go through what I went through," said Beacham. "I was hurt because I just felt I didn't need my family going through that."


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1 posted on 11/17/2010 7:01:31 AM PST by COUNTrecount
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To: COUNTrecount

While I think people should pay their debts, I do think many of the tactics employed by debt collectors are pretty disgusting.


2 posted on 11/17/2010 7:03:12 AM PST by RockinRight (if the choice is between Crazy and Commie, I choose Crazy.)
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To: COUNTrecount

Facebook has privacy settings for a reason.

Use them, people.


3 posted on 11/17/2010 7:03:35 AM PST by Terpfen (Buh-bye, Suntan Charlie.)
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To: COUNTrecount

They can only harass her only if she allows them access to her page, am I right?


4 posted on 11/17/2010 7:03:35 AM PST by McKayopectate
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To: McKayopectate

I’m not sure about that.


5 posted on 11/17/2010 7:05:06 AM PST by COUNTrecount (Barry...above his poi grade.)
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To: COUNTrecount

Its illegal for a debt collector to contact anyone else about your debt. But they do it all the time.


6 posted on 11/17/2010 7:06:02 AM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: McKayopectate

But she can’t prevent her friends and relatives from doing the same.


7 posted on 11/17/2010 7:06:24 AM PST by YoungHickey (Is it time yet, Claire?)
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To: COUNTrecount

The law is specific, no discussion of debt with third parties not even immediat family.

The debt collector did wrong and will pay.


8 posted on 11/17/2010 7:06:34 AM PST by longtermmemmory (VOTE! http://www.senate.gov and http://www.house.gov)
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To: COUNTrecount

Excellent.
PAY YOUR BILLS.

If a guy has to “cheat” you to get his money back, I’m OK with that.


9 posted on 11/17/2010 7:06:39 AM PST by SJSAMPLE
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To: COUNTrecount

IIRC, doesn’t the Fair Debt Collections Practices Act specifically prohibit debt collectors from contacting anyone but the debtor regarding the debt.


10 posted on 11/17/2010 7:07:11 AM PST by IMissPresidentReagan ("Sorry I'm late. I had to stop by the wax museum to give the finger to FDR!" C.Hill (Palin '12))
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To: COUNTrecount

Somehow, this seems a bit of a problem. She can afford facebook and can’t afford to pay her creditors. Priorities, folks!


11 posted on 11/17/2010 7:07:26 AM PST by Steamburg (The contents of your wallet is the only language Politicians understand.)
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To: McKayopectate

Depends on her privacy settings. Doesn’t really matter though, this is illegal for the collection company.


12 posted on 11/17/2010 7:07:44 AM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: driftdiver

Sounds like they many are mafia companies.


13 posted on 11/17/2010 7:07:52 AM PST by StolarStorm
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To: McKayopectate

Yes, if she had kept that info private, no one could have seen it. You can basically privatize the whole thing.

Kinda defeats the purpose of Facebook though. She should pay her bills.


14 posted on 11/17/2010 7:08:19 AM PST by AppyPappy (If you aren't part of the solution, there is good money to be made prolonging the problem.)
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To: Steamburg

“She can afford facebook “

Which is free


15 posted on 11/17/2010 7:08:58 AM PST by AppyPappy (If you aren't part of the solution, there is good money to be made prolonging the problem.)
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To: SJSAMPLE

‘If a guy has to “cheat” you to get his money back, I’m OK with that.”

Really? So you only support the law for some people?

If you cut me off in traffic can I shoot you? I mean you did me wrong after all.


16 posted on 11/17/2010 7:09:08 AM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: Steamburg

Facebook is free.


17 posted on 11/17/2010 7:09:49 AM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: RockinRight

There is already a law against 3rd party disclosure, I wonder why this isn’t illegal already.

John


18 posted on 11/17/2010 7:10:31 AM PST by politicalmerc (I TOLD YOU I could see November from my house. Now I see 2012!!)
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To: driftdiver

“If you cut me off in traffic can I shoot you? “

Of course you can.

You might go to jail though.


19 posted on 11/17/2010 7:10:56 AM PST by AppyPappy (If you aren't part of the solution, there is good money to be made prolonging the problem.)
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To: AppyPappy

“You might go to jail though.”

Not under your theory of legal protections.


20 posted on 11/17/2010 7:11:39 AM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: driftdiver

but this scenario leaves a trail and now is actionable far easier than a subpoena to obtain recordings which may have been “erased” by accident.


21 posted on 11/17/2010 7:11:49 AM PST by longtermmemmory (VOTE! http://www.senate.gov and http://www.house.gov)
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To: driftdiver

Don’t have one, sorry. But if you are willing to shoot someone for cutting you off in traffic, you probably need to be put away. That’s my theory anyway


22 posted on 11/17/2010 7:14:08 AM PST by AppyPappy (If you aren't part of the solution, there is good money to be made prolonging the problem.)
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To: longtermmemmory

Pretty stupid of the collection company. They have gotten extremely aggressive from what I understand. They will call neighbors, family members, friends.

Once you show that you know the law they will sometimes back down.


23 posted on 11/17/2010 7:14:50 AM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: SJSAMPLE
While I agree that people should pay their bills, I disagree that it's “okay” for debt collectors to “do whatever’s necessary” or “cheat”.

Why should anyone other than the debtor be harassed? It is neither their debt nor their responsibility.

When we first moved, and obtained our phone number, we received phone calls from morning to night for whomever the previous holder of the phone number was, and these collectors were the most rude, disgusting people with whom I've ever dealt (and I work in criminal appeals). I would answer and when I would politely inform them that this was not the X household, we had just gotten the number, I was called liar, was threatened with law suits, etc. I even sent a cease and desist letter to two particular firms, and AFTER they received our certified letter, they continued to call. When I told them I would be reporting them to the Attorney General’s office, they called me a thief and a lowlife. I recorded all the phone calls and turned them over to the Attorney Generals’ office. All this harassment because I had the misfortune of being assigned a phone number that had previously belonged to a debtor. After that experience, I am thankful for the FDCPA, and while I've not had to avail myself upon it again, I do heartily believe that just as everyone else must, debt collectors, too, must abide by the law.

24 posted on 11/17/2010 7:15:11 AM PST by IMissPresidentReagan ("Sorry I'm late. I had to stop by the wax museum to give the finger to FDR!" C.Hill (Palin '12))
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To: longtermmemmory

This no different from using a phone book to look for possible relatives to call.


25 posted on 11/17/2010 7:15:11 AM PST by AppyPappy (If you aren't part of the solution, there is good money to be made prolonging the problem.)
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To: SJSAMPLE
It doesn't always work that way. I have a company trying to collect a debt from me, that isn't a debt. A former business I had dealings with filed a false debt against me (and others). So I now have to take them to court. I have already contacted the DA and BBB.

In the meantime, I have a debt collector harassing me. I just sent a cease and desist letter to them... well see if that works.

I also get harassing calls all the time for someone that somehow got connected to me in some database. I keep telling them, "don't know this person,... stop calling". That's doesn't work.

So my point being, not all "collections" are for real debts.
26 posted on 11/17/2010 7:16:12 AM PST by StolarStorm
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To: RockinRight
While I think people should pay their debts, I do think many of the tactics employed by debt collectors are pretty disgusting.

Should people pay their debts? Yes. Are debt collectors scumbuckets? Yes.

27 posted on 11/17/2010 7:16:21 AM PST by Mr Ramsbotham (Laws against sodomy are honored in the breech.)
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To: Steamburg

Of course, a Facebook account is free. But one does need an Internet connection. And that costs $$$$. There are places where one can connect with the Internet at no charge; but that requires a personal computer. Public libraries offer, at no charge, use of computers with Internet connection, but libraries may block social networking, such as Facebook. I recently stayed at a hotel which provided, in the lobby, a computer with Internet, and they allowed Facebook connection.


28 posted on 11/17/2010 7:16:27 AM PST by i_dont_chat ("The Jihadists are coming!" "The Jihadists are coming!" In my best Paul Revere imitation.)
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To: RockinRight
While I think people should pay their debts, I do think many of the tactics employed by debt collectors are pretty disgusting.

I wholeheartedly agree. I started getting debt collection calls at my office related to a former employee. It got to the point where they would call 5 and 6 times a day, and in the evening when I was trying to get work done. It was disrupting my entire business.

They told me that they "had permission" from my former employee to call here, I guess she probably gave her work number on the credit application. I told them repeatedly that it was MY phone and they didn't have MY permission to call - they just kept calling anyway.

I finally told one jerk that I was going to report him to the consumer bureaus, and so the dirtbag just put his phone on redial so it would ring and ring in my office - I'd pick it up, no one would be there and when I hung up it would start ringing a few seconds later.

These people are the absolute scum of the earth. It still doesn't keep them from sending me hundred pounds of junk mail every year with enticing offers to sign up for the latest citibank or Capital One credit card scam.

Their "right to conduct business" ends when it disrupts my right to conduct business. I am for ANY law that gets them the eff out of my face, and I would support hard jail time for these dirtbags that violate them.

29 posted on 11/17/2010 7:16:32 AM PST by Fido969 ("The hardest thing in the world to understand is income tax." - Albert Einstein)
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To: IMissPresidentReagan
IIRC, doesn’t the Fair Debt Collections Practices Act specifically prohibit debt collectors from contacting anyone but the debtor regarding the debt.

Is it "contact" or something like "contact in person, by phone or by mail"? Has the law not kept up with advancing technology and the debt collectors are taking advantage of that?

30 posted on 11/17/2010 7:17:21 AM PST by KarlInOhio (Dems' response to 11/2: Do not go gentle into that new day,Rage,rage against the coming of the dawn!)
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To: AppyPappy

“But if you are willing to shoot someone for cutting you off in traffic, you probably need to be put away. “

If you are willing to exclude citizens from legal protections you are more dangerous than some road rage guy.


31 posted on 11/17/2010 7:17:44 AM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: KarlInOhio

To be fair, I don’t know, but now I’m curious. Guess I know what I’ll be looking up on my lunch break. lol. You do make a good point, though.


32 posted on 11/17/2010 7:18:49 AM PST by IMissPresidentReagan ("Sorry I'm late. I had to stop by the wax museum to give the finger to FDR!" C.Hill (Palin '12))
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To: IMissPresidentReagan

Unless the law has been amended, the FDCPA only applies to third party collectors, not the first party lender.


33 posted on 11/17/2010 7:18:51 AM PST by Psycho_Bunny (Hail To The Fail-In-Chief)
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To: SJSAMPLE
Excellent. PAY YOUR BILLS. If a guy has to “cheat” you to get his money back, I’m OK with that.

I agree with you to a point. Some people are true deadbeats who have no scruples about not paying their bills.

There are however truly good people who are in a bad situation who have fallen behind..they should not be punished the same as the deadbeats.

34 posted on 11/17/2010 7:19:34 AM PST by hoyt-clagwell
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To: IMissPresidentReagan

That happened to a friend who was retired. He loved it. He would cuss them back and laugh at them, tell them to sue, encourage them to provide “sexual favors” to him, etc. He was an Italian guy from the Bronx and spoke like a cab driver. They finally figured out he wasn’t Hector Menedez and quit calling.

He stills gets calls from time to time.


35 posted on 11/17/2010 7:19:39 AM PST by AppyPappy (If you aren't part of the solution, there is good money to be made prolonging the problem.)
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To: AppyPappy

‘This no different from using a phone book to look for possible relatives to call.”

Correct, thats illegal as well. Contacting a 3rd party is illegal and if taken to court will generally result in an award.

Lenders knew the laws and constraints when they made the loan. They should live with their business risk.


36 posted on 11/17/2010 7:20:24 AM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: Psycho_Bunny

That’s what I get for not thoroughly reading the article. I misunderstood. Actually, I saw “debt collector” and assumed, despite reading the article.


37 posted on 11/17/2010 7:20:36 AM PST by IMissPresidentReagan ("Sorry I'm late. I had to stop by the wax museum to give the finger to FDR!" C.Hill (Palin '12))
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To: COUNTrecount

This will work great until they slander a party that doesn’t have any outstanding debt - then they’ll get sued and lose a significant sum of money.


38 posted on 11/17/2010 7:20:42 AM PST by meyer (Hey Obama - It's the end of the world as you know it.... ..... and I feel fine!)
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To: IMissPresidentReagan

That is exactly what occurred to me. I changed my phone number, and I continued to get the phone calls. They followed me to a new number! I still to this day, (and this has been going on for 3 years) can’t get a single one of these scumbags to explain to me why they think I am connected to “Juan Garcia”.


39 posted on 11/17/2010 7:20:48 AM PST by StolarStorm
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To: AppyPappy

Sounds like my kind of guy. :) I bet that made for some interesting phone calls. It is frustrating though, when they are calling MY residence, and then act as though the burden is mine to prove who I am.


40 posted on 11/17/2010 7:22:49 AM PST by IMissPresidentReagan ("Sorry I'm late. I had to stop by the wax museum to give the finger to FDR!" C.Hill (Palin '12))
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To: Fido969

I’ve had similar circumstances. When we first moved to Florida our home number had 6 cell phones attached to it. it only got resolved after I was able to get the State regulatory agency involved.


41 posted on 11/17/2010 7:24:04 AM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: McKayopectate

One of the first things I learned about the internet don’t put anything on it you don’t won’t to be known. I learned this in the mid 90s and it still holds true today.


42 posted on 11/17/2010 7:24:54 AM PST by Lees Swrd ("Arms discourage and keep the invader and plunderer in awe and preserve order in the world as well")
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To: COUNTrecount

I went onto facebook because family and friends kept telling me I must so I could see their pictures they posted.

I don’t update or anything, and I’m thinking I’d like to delete my membership.


43 posted on 11/17/2010 7:25:27 AM PST by I still care (I miss my friends, bagels, and the NYC skyline - but not the taxes. I love the South.)
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To: driftdiver
Its illegal for a debt collector to contact anyone else about your debt.

Unless it is the IRS - they have their own rules.

44 posted on 11/17/2010 7:25:51 AM PST by Last Dakotan
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To: StolarStorm

It is very trying. When I first received my cell number from work - I received a couple, but fortunately, they were few, and the people with whom I spoke were very polite and removed my number. I don’t think there are many like that though.


45 posted on 11/17/2010 7:26:19 AM PST by IMissPresidentReagan ("Sorry I'm late. I had to stop by the wax museum to give the finger to FDR!" C.Hill (Palin '12))
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To: IMissPresidentReagan

He knew the laws about what you can say. You can’t invite them to commit a crime. I heard him tell one caller “You know what Menedez means in Spanish? It means “Suck my fat %$$@, you *&$#%”. I laughed my butt off. Then he said “If they complain, I’ll swear to God I thought that was what it meant”.


46 posted on 11/17/2010 7:26:26 AM PST by AppyPappy (If you aren't part of the solution, there is good money to be made prolonging the problem.)
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To: COUNTrecount

Speaking of “debt collectors”, I just got a call from the Republican Senatorial committee, wanting a donation. I told them no. 5 or 6 times, before he finally got it. But I also explained why I wouldn’t give to the party any more and that I would give only to individual candidates that fit my definition of conservative, and that there were too many RINOs that needed to be weeded out.

I now return you to your regularly scheduled thread. :)


47 posted on 11/17/2010 7:27:25 AM PST by meyer (Hey Obama - It's the end of the world as you know it.... ..... and I feel fine!)
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To: i_dont_chat

Well how dare she buy produce and meat at the grocery, she should pay her bills and go pick up road kill and start a vegtable garden in her basement. I mean ride with the windows down on a 100 degree day becuase that extra gas for the A\C in the car is costing money and she should pay her bills. A dammit if she could’nt just patch up that holey underwear, I mean she owes people money and new underwear cost money. ...Jeez Francis lighten up, it’s only money and the finance company will survive if she misses a payment or two. That does not mean the coleciton agency should run roughshod over the law. I had these scumbags hounding me over a debt that was not mine, they called my work, etc. It took a cease and desist letter and threat to sue before they stopped and then they sold the erroneous debt to someone else. Laws don’t apply only when all the people think it’s fair to appply them. Many so called conservatives just love to get all holy than thou and get up in people junk over what THEY think is fair. You worry about yourself and let me worry about mine, that is the essence of liberty. Some of you sound like liberals..”Yea but it isn’t fair...waaaaaa”


48 posted on 11/17/2010 7:28:30 AM PST by pburgh01
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To: COUNTrecount

Violation of the Fair Debt Collection Practices Act.


49 posted on 11/17/2010 7:28:51 AM PST by Sloth (Civil disobedience? I'm afraid only the uncivil kind is going to cut it this time.)
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To: meyer

“NRA” called me. Buncha stooges. They wanted to do business over the phone. No way. Send me something,


50 posted on 11/17/2010 7:29:26 AM PST by AppyPappy (If you aren't part of the solution, there is good money to be made prolonging the problem.)
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