This collection agency has the rudiest, worst employees I have ever had the misfortune to deal with.
During my conversation with First Revenue Assurance Representives, I was verbally attacked and insulted. I was treated like a piece of trash.
I was hostile and yelled at me. He told me to be quiet. He said I was, "rude and ignorant." The representive kept repeating himself over and over, getting louder and louder. Like a recorder saying to me, "Put your daughter on the phone, put your daughter on the phone, put your duaghter on the phone, put your daughter on the phone."
It was impossible for me to speak. He couldn't hear me say that my daughter wasn't at home or I wanted to make a payment.
I asked for his name, but he refused to tell me. I asked for a manager. He told me "no." I asked for and address so I could write a letter to a manager.
He said, "that would do no good".
Finally, he heard me say "payment". I requested a second time to speak with a manager, I would make a payment only to a manager.
(I did not tell the rep this, but I did not feel comfortable giving this horrible person my personal information to make a make.
The rep said, "It's your lucky day, hold on". The rep decided to let a manager come to the phone.
The manager was as rude as the rep. The manager refused to take my payment. He also told me, "never to call again."
I called Sprint, I will be making all payments directly to them instead of
First Revenue Assurance. Sprint is not happy knowing that the company they hired to collect money is refussing to take the money!
The entire experience left me feeling emotional drained and humiliated.
I found the following law very interesting.
91 stat. 874 public law 95-109, september 20,1977
An Act To amend the Debtor Credit Protection Act to prohibit abusive practices by debt collectors Sept. 20,1977
(H.R. 525)
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, That the Debtor Credit Protection Act (15 U.S.C. 1061 et seq.) is amended by adding at the end thereof the following new title:
Debtor Credit Protection Act, Admendments
*TITLE VIII DEBT COLLECTION PRACTICES Fair Debt Collection
*Sec.
*806. Harassment or abuse:
*SS 806. Harassment or abuse
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
* (1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
* (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
* (3) The publication of a list of debtors who allegedly refuse to pay debts, except to a debtor reporting agency or to persons meeting the requirements of section 603 (f) or 604 (3) of this Act.
* (4) The advertisement for sale of any debt to coerce payment of the debt.
* (5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
* (6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity.
The following quote is on First Revenue Assurance Website: The last sentence is a joke.
"First Revenue Assurance is a technologically sophisticated accounts receivable management organization. Founded in 1997 our company has assisted millions of individuals with resolving outstanding collection balances. Many large well-known companies who require professional assistance with bringing their customer's accounts up to date contract our services. Our business is to assist both parties with finding a solution. We are creative and flexible. We have been successful in making settlements that are satisfactory for both our client and their customers where often others have failed. We believe all individuals deserve to be treated with dignity and respect regardless of their current or past financial condition.
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