877-394-5975 / 8773945975

After the mortgage/economic meltdown in 2008, my credit card interest rate jumped DRAMATICALLY to 36%, though I hadn't been late on any payments! I fought them for months until I finally decided to stop fighting and STOP PAYING!Also found out that if you fight one bank, you are automatically at war with ALL banks, as they try their very best to keep everyone overly concerned and worried about their "credit score". TOTAL B.S.!!So I decided to NEVER pay another dime to ANY bank !! I completely walked away from their ridiculous paradigm and now live as much as possible on a cash basis. If I don't have the money, I don't buy it, including vehicles. Truly a more honest, safe and noble way to live your life! Though avoiding the debt collectors does require much more creativity (which is a GOOD thing!) as well as a crash course on learning how to avoid their harassing phone calls and occasional process servers.Bankers and the entire debt/ usury system are EVIL(!), but FREEDOM is easily within your reach if you apply yourself and shift your attitudes !!

Gary, Please enlighten us. Beyond a high probability of a bill collector, who is it?

Rip off

I have been receiving upwards to (5) calls per day from this number. I've also linked various other number's that call me repeatedly to these people. Years ago, I had a credit card through Merrick Bank (Hooters) one of the WORST you can get. I decided to cut up my credit cards and go straight cash and bank card only. Money was tight then, so I asked for a settlement on my $1300 balance and they agreed. I made the required settlement payments for about (2) years. My financial situation improved, so I called them and asked for a payoff balance. A very rude woman told me that because I'd missed two payments from the settlement agreement, the balance had reverted back to the original amount. I NEVER missed a payment (they were taken out of my checking acct. ACH). I told her there was no way I was going back to the original balance after making payments for 2 years on a settlement. She said they would sue me. I told her to go for it! I closed the account where they were taking out monthly payments, and I stopped paying them. I did send a letter to them requesting the pay off from the settlement offer so I'd have something in writing. They have never replied or sued me, but they call me non-stop every day and have been doing this for years. It's been (5) years since I've made a payment to them. If you are being harassed or bothered by a collector contact: www.collectionbully.com.

I have never done business with this company n I keep telling them they have wrong #...but they call my cell phone everyday...sometimes twice aday...they even sent mea threatening text msg..stating to turn off my time warner cable....lol since I do not have cable with time warner.Can I sue?

Capital one debt collector

877-394-5975 is CARSON SMITHFIELD formally called CARDWORKS SERVICING a Debt Collector I called them using free call using g-mail so they can't get my number, which if you call them it gives them permission to call number you call from. They just changed there name this week I talked to them on 4-6-2012. Remember sue them if they harass you.

Please keep from calling me. I paid my bill arranged payment.