STOP Collector’s Dead!

NOTES:
My husband(ex2be) is losing his cushy job November 27th!
~  The company lost the contract after 15 years…

We are both putting job apps in, but the scenario looks bleek as we all know…

Any company calling me, heed this Cease and Desist Letter!
~   Yes you will be getting one!

I posted my resume to get a job!

Priorities are shelter, food and a vehicle to get to work.
~  In my case a new wardrobe too!

Collection:

~   Law states you can only call a number once a day IF you can leave a message!
(Includes landlines with answering machines and cell phones with voice mails)

~   I am friends with a debt collection manager who is friends with a lawyers firm.

Rebecca
* All noted and recorded at times *

~ ~ ~

STOP Collectors Dead!

~
Bill Collectors – BEWARE!
~
Collection calls are a pain! I just posted my Cease and Desist Letter in a forum and FaceBook for moms… I strongly suggest you copy the letter and pass it on to help others… Clark Howard calls them a Drop Dead Letter… Collectors are outta hand today! Why not STOP them in their tracks?
~
As a prior licensed bill collector/skip tracer:
I collected all i called on being nice and helping debtors out…
It is far better to call your creditor and explain your scenario and what you can pay, etc…. Before being late is best…
– KEEP NOTES! (date, time, who, company, convo)
– Keep proof of payment with last statement showing o balance forever!
~
RECORD CALLS
Buy at Radio Shack: Removable Telephone Pickup… Attach it to your phone receiver and a tape recorder…
~ Check your state laws on recording though…
~
– Hope this all helps…
~
Tweak the letter how you want and need it to be…
Send it certified!
I have never been bugged after this was sent out!
Keep a copy for you…
~
Christie
~ ~ ~
CEASE AND DESIST LETTER
Your Name:
Your Address:
____________________________
_____________________________
_____________________________
~
Date: __________________________
Company: _______________________________________
________________________________________________
________________________________________________
Attn:_________________________
Ref/Acct #:_______________________
~
~
Dear Sir / Madam:
~
This will serve as your legal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. section 805, to cease and desist all further communication with me in regard to the above referenced debt or debts. You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.
– Fair Debt Collection Laws:
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
~
… I am providing notice that i will file a formal complaint with the Federal Trade Commission (which is responsible for the enforcement of the FDCPA) and the Attorney General of my state if the collection agency does not comply with my letter…
… I am providing notice that i intend to file suit against the collection agency if any negative information is placed on my credit reports….
… I am providing notice that i intend to keep a log of any contacts the collection agency makes after they receive this letter…
… My employers, be it past or future, prohibits calls from collection agencies, i demand that the collection agency not contact me at my place of employments…
~
… I further demand collection agencies not contact my relatives, friends or neighbors for any reason…
~
Special Notice:
1. The itemized list of charges need to be sent to me explaining where the balance and charges originated from…
2. This account will not be activated til I deem it worthy of paying a penny to the original creditor…. (Unless account has been “SOLD”)
3. Any and all information on me is “PRIVATE”…
~
Signed:
~
~
_____________________________________
First Name… Last Name
~
Added Notes:
* Should put – All correspondence will be in writing “only” from this day forward!
_________________________________________________________________________________________________________________________
~
This is where you should make them aware if the debtor has a heart condition (legit that a doctor can back it up)…
~ Heart and terminal medical conditions can not be stressed cause it worsens the illness!
~ ~ ~ ~ ~ ~ ~ ~
~ ~ ~ ~ ~ ~ ~ ~
SITES
~
http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act
~ Wilkipedia… Read all about the Do’s etc… of collectors, etc…
~
http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/scavenger-debt-collectors-seeking-default-judgment/nFht/
~ Clark Howard… Scavenger debt collectors seeking default judgments from unsuspecting consumers…
~
http://www.consumerfraudreporting.org/PayDayLoan.php
~ Consumer Fraud Reporting.Org…
~
www.budhibbs.com
~ Bud Hibbs… Consumer Credit Expert
~
http://www.ftc.gov/os/statutes/031224fcra.pdf
~ Federal Trade Commission … Fair Credit Reporting Act …
~

http://pubcit.typepad.com/clpblog/2012/08/whataburger-brings-seemingly-novel-fdcpa-case.html

~   Whataburger … Sued NCO a debt collector called NCO Financial Systems …

~

http://pubcit.typepad.com/clpblog/2013/11/cfpb-gets-going-on-debt-collection.html
~    Public Citizen’s Consumer Justice Project .. CFPB gets going on debt collection …
~
http://www.consumerfinance.gov/complaintdatabase/
~    Consumer Finance .. Complaint Data Base…
~
http://www.dailyfinance.com/2013/10/11/protect-yourself-debt-collectors-know-your-rights/
~    Daily Finance .. How to Protect Yourself from Overzealous Debt Collectors: Know Your Rights …
~

Rebecca (Wilson) Mennel

Rebecca (Wilson) Mennel

Browns Mills, NJ  08015

email: r.mennel@yahoo.com

 

 

Objective

To obtain a position where I can maximize my multilayers of employee and management skills, quality assurance, program development, training experience, customer service, and a successful track record in my employments be beneficial in a long relationship with your work environment.

 

Summary of Qualifications

Results oriented, high energy, hands on professional, with a successful record of accomplishments in management,  training, retail, modeling and communication industries.  Experience in health, modeling, retail, swimming pools, trucking, quality assurance, customer service with focus on providing the person or company with full satisfaction.

 

Major strengths include strong leadership, excellent communication skills, competent, strong team player, attention to detail, respect for company policies and procedures, as well as supervisory skills including hiring, termination, scheduling, training, payroll, and other administrative tasks.  Thorough knowledge in many company practices, besides being adaptable and flexible, with a clear vision in accomplishing company goals.

 

EMPLOYMENT:  Fulltime
_______________________________________________________________________________________

February 1991 ~ Present  •  LeImage Photography  •  Nutley, NJ

Model / Model Scout / Model Coordinator

Accomplishments

~   2006:  Listed with a world renowned artist

~   2005:  Reinventing retired photographers to do models

~   2005:  Playboy’s Germany photographer deemed me a professional high class model

~   2004:  Trained two amateurs photographers to be professionals

Responsibilities

2002:  Model:  Posing in paid shoots and building my portfolio.

1991:  Model Scout:  Search for and interview prospective new models.

1991:  Model Coordinator:  Manage paperwork, releases, models and photographers at workshops, shoots, events, etc…  Locate properties, sites and unique locations for future shoots.  Ensure everything runs smoothly for all involved.  Retrain photographers where needed.

_______________________________________________________________________________________

January 2005 ~ August 2013  •   Entrepreneur   •  Jackson, NJ

Durable Power of Attorney / Advance Health Directive

 

Accomplishments

~   May 2013:  Saved Ray’s life!  Adverse reaction to Metformin causing lactic acidosis

~   July 2010:   Ray was correctly diagnosed as Hypothyroid, not Diabetic
~   July 2010:   Saved him from being mentally committed and placed in assisted living

~   July 2010:   Saved Ray’s life!  Depakote level was 3 points over the legal limit in his body

~   June 2005:  Durable Power of Attorney / Advance Health Directive

~   June 2008:  Partners selling on EBay, made $5,000 in first 7 days

Responsibilities

Being his friend, personal assistant, business partner as well I handled everything in his life.   Managed his personal, household, medical, business, legal and financial affairs. 

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June 2006 ~ June 2006    •    MARS Repo    •    Vincentown, NJ

Administrative / Repo 

Responsibilities

Administrative tasks, skip tracing, collections and repo’d a vehicle in the short time employed.

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September 2000 ~ September 2001   •   Arrow Financial Services, LLC   •        Whitewater, WI

Skip Tracer / Bill Collector

 

Accomplishments

~   Collected on all accounts

Responsibilities

Skip traced,  collections, administrative tasks daily.  Gained lasting contacts for future collections.  

_______________________________________________________________________________________

July 1999 ~ September 2000  •  Brown Cab Service, Inc.  •   Fort Atkinson, NJ

Taxi Driver

Accomplishments

~   Increased passengers through faster pickups and customer service

Responsibilities

Took radio dispatched calls for transporting passengers of all ages, handicapped, wheelchair bound and with walkers to destinations and back daily.  At times drove the handicap van.

________________________________________________________________________________________

March 1976 ~ July 1997    •    Princeton Pool & Patio Shop   •   Princeton, NJ

Office & Personnel Manager / Bookkeeper

Accomplishments

~   Groomed to take over when owner retired.

~   Highly proficient in bookkeeping, accounted for every penny.

~   Spearheaded the first computer program for swimming pools for IBM.

~   Judge appointed “swimming pool expert”.

~   Achieved selling hard to sell items, dubbed having the “golden touch”.

~   Managed store and crews in owner’s absence, especially three months while on medical leave.

~   Increased profits daily with all crews in opening and closing of pools.

~   Increased customer retention.

~   Decreased outstanding debt to 10%.

Responsibilities

1993 ~ August 1997:  Office Manager / Personnel / Bookkeeper:  Supervised office operations to maximize sales, customer service and control costs.  Reorganized bookkeeping, payroll, maintained all files, accounts receivable and payable, billing, processed invoices, credits, bank deposits and monthly statements.  Problem solved computer issues.

February 1986 ~ 1993:  Office Manager / Radio Dispatcher:  Revamped and maintained customer files, invoicing credits, customer complaints and handled customer complaints.  Cashiered at times.

March 1976 ~ February 1986:  Secretary / Radio Dispatcher:  Maintained customer files, answered phones(4 lines), created greetings, created master letters, typed and proofread all correspondence and cashiered at times.   Dispatched crews and recorded jobs.

_______________________________________________________________________________________

March 1981 ~ December 1992   •   Best Products   •   Lawrenceville, NJ

Office Manager / Personnel Manager

Accomplishments

 ~   Resolved the high employee turnover by having two managers fired.  Immediate employee retention took place.

~   Highly praised for my years of constructive criticism in rectifying numerous issues and problems.

~   Managed the showroom in showroom manager’s absence lunches, and partial days.

~   Managed departments in night manager’s absences.

~   Increased payroll savings by having employees punch out earlier.

~   Set the personnel file standard in all 216 showrooms.

~   Implemented cross training good employees in departments.

~   Redesigned the training program for floor and warehouse employees.  Created a 3 day version as well.

~   Constantly troubleshooting issues and problems in every department.

~    Invited to join the Action Team by the showroom manager to brainstorm problems, ideas, issues and safety concerns for all locations.

~    Highly commended for running two registers at Christmas time by the showroom manager who rang next to me.

Responsibilities

February 1985 ~ December 1992:  Office & Personnel Manager:  Maintained and updated personnel files.  Accounts payable and maintained files. Assigned, trained and disciplined 180 seasonal and regular employees annually.  Fired only two seasonal employees.   Straightened the phone system issues out with the two companies involved together.

May 1984 ~ December 1992:  Office Manager / PBX Operator:  Answered an 8 line phone station.  Created a quick reference flip chart for operators to efficiently answer customer questions.  Maintained showroom books and equipment files.  Counted the money in the money room clerk’s absence.

July 1982 ~ May 1985:  Customer Service / Cashier:  Processed customer orders and product returns.  Organized customer pick ups.  Sold guns, jewelry, audio, and toys at times.

March 1981 ~ July 1982:  Warehouse:  Filled customer orders.  Assisted shipping and receiving clerk.  Unloaded trucks and tagged merchandise.  Oversaw “Scratch-and-Dent” area. Built the floor displays for all departments.  Helped set up and stock the showroom after construction was completed.

_______________________________________________________________________________________

February 1985 ~ February 1986  •   Chrysler First Financial Services  •  Mercerville, NJ

Mortgage Processor / Collections 

Accomplishments

 ~   Skip Traced the branch manager’s hardest case, found her in 20 minutes.   Her business was seized with in an hour.

~   Great customer service.

 

Responsibilities

Managed and processed mortgages from start to finish.  Analyzed client accounts for refinance, generated more income from those.   Collected on past due accounts daily.

________________________________________________________________________________________

Education

~  Professional Truck Driver / Class “A” CDL, Western Truck School, San Diego, CA

~  Diploma, Northern Burlington County Regional High School, Columbus, NJ

_______________________________________________________________________________________

References

References and extensive resume available upon request

_______________________________________________________________________________________

Relocation

Relocating considered provided all moving expenses are covered
_______________________________________________________________________________________

Additional Information

October 2013: Membership ~ http://www.supportprop.org/index.html ;
~ Physicians for responsible Opioid Prescribing (PROP) … Our mission is to reduce morbidity and mortality resulting from prescribing of opioids and to promote cautious, safe and responsible opioid prescribing practices.

Rebecca

My New Life Journey

My life is starting over from square one…

DIVORCE:  

On the verge of divorce and having to enter the work force on the books again…

PLACE: 

Moving to a new place is critical ASAP!

ME:

I’m full of life, young for my age, highly experienced in numerous entities…

JOB:

My main work objective is to find a good company that will utilize all or most of what all I do… My wish is to retire there… 

COLLEGE:    

FACT:  They mainly can not apply the book learning to their hands!

GOALS:

Honestly, I seek to be happy and have the company(s) I work for flourish with success!

Rebecca