Yup, however you might wanna make sure and wait for another member here to confirm it as I am not sure. Better yet, why don't you e-mail the Lending Tree guys because they can help better...

BTW, this would violate.

807. False or misleading representations [15 USC 1962e].

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt...

Queen, it could be the CA is operating under an assumed name that another biz license covers, check your states corporations site and do a search for this particular biz, some states have online access to the assumed name database, others you have to contact via phone or mail and ask for the documents that relate to the company..

Some state laws allow them to do this, for there personal protection,, aint that a crock of sh*T..

I assume that you are in GA too?.

They are licensed under one name with the business license office, the other name, the business license office has never heard of..

Is the database that you speak of?.

Https://secure.sos.state.ga.us/myverification/.

Neither one of their names are coming up there..

If a company is licensed by the city., do they also have to be licensed by the state (of GA)?..

You assume correctly..

Heres ya another tidbit,, although CAs are not required to post a bond with the State of Ga, they are required to post a $50,000 bond with the Secretary of the Court in the county in which there principle biz address is located, providing they do more than 20 collections a month ... Per the OCGA.

Try searching here first.

Http://www.sos.state.ga.us/corporations/.

If you feel comfortable with it, post the company name, you can always go back and delete the thread, I will see what I can dig up...

"If a company is licensed by the city., do they also have to be licensed by the state (of GA)?".

In Ga, you purchase a biz license in your principle county, this covers the entire state. Or at least in the case of my biz it does...

Georgia Code Holds Original Creditor Responsible For Any Illegal Acts of it's Debt Collectors....

Collection Agency Licensing Requirements:.

The Official Code of Georgia contains no provisions regarding licensing requirements of a collection agency. However, the general agency laws of Georgia should be reviewed by counsel. (e.g. see Section 10-1-100 et.seq. of the Official Code of Georgia). Section 10-6-100 of the Official Code of Georgia requires that any person, corporation, partnership, association, or any other entity which engages in the collection of money from others as an agent for a third party post a bond as as security in the amount of $50,000.00 with the clerk of the superior court in the county in which it's principal place of business is located.

Any person who fails to post a bond may be guilty of a misdemeanor and may be punished by a fine of not less than $300 nor more than $3,000, or by imprisonment for not more than six months, or both. (Section 10-6-102.).

Debt collectors should also discuss with counsel the provisions of Rules and Regulations of the State of Georgia Section 120-1-14 et.seq., Amended UNFAIR TRADE PRACTICES. One section is reproduced below:.

120-1-14-.25 Use of Debt Collectors; Agreement..

Every creditor shall be presumed to know that any debt collector engaged by the creditor will be an agent of the creditor and will be acting for and in behalf of the creditor in connection with the collection of any debt allegedly owed the creditor. Every creditor shall be absolutely responsible for observance of these rules and regulations by the debt collector in connection with all activities of the debt collector so far as they are taken in collecting or attempting to collect any debt allegedly owed to the creditor, and it shall be no defense to the creditor that any violation complained of was not an activity of the creditor himself or itself. Before engaging any debt collector, a creditor shall require the debt collector (or a responsible officer of the debt collector) to execute a sworn certificate under the penalty of perjury, that he has read and understands each and all of these rules and regulations pertaining to debt collection and that each and all of them will be carefully observed in the activities of the debt collector..

10-6-1 G.

*** CODE SECTION *** 12/03/01.

10-6-1..

The relation of principal and agent arises wherever one person,.

Expressly or by implication, authorizes another to act for him or.

Subsequently ratifies the acts of another in his behalf...

"Every creditor shall be absolutely responsible for observance of these rules and regulations by the debt collector in connection with all activities of the debt collector so far as they are taken in collecting or attempting to collect any debt allegedly owed to the creditor, and it shall be no defense to the creditor that any violation complained of was not an activity of the creditor himself or itself.".

Im sorry, I just love that section lol.

I also love this little snippet of the above...

"in connection with all activities of the debt collector so far as they are taken in collecting ".

The OC may not like it and may not beawre of it, but in GA, there covered under the FDCPA also ... snicker snicker :)..

Ok, so you guys got it all figured out how to use all that information or at least you think you do..

Just one little problem. If license laws are violated the privated citizen has no right to private action. The right to cure remains solely with the state since they are the injured party..

So all the digging in the world isn't going to do you any good at all..

Even if you find out they are operating illegaly and you file a complaint on them they will just comply and come after you that much harder...

Bill, I hate to tell you, but there are no license laws concerning CAs in Ga. or shal I say , no special license requred..

You know, I just had a thought,, maybe we should all run over to your site and pay you to do something we can do ourselves for free..

"So all the digging in the world isn't going to do you any good at all.".

So I quess when you were born, You knew everything about Credit??.

"Even if you find out they are operating illegaly and you file a complaint on them they will just comply and come after you that much harder.".

Which in there anger, would lead to them making stupid mistakes. uh yep...

"Even if you find out they are operating illegaly and you file a complaint on them they will just comply and come after you that much harder.".

Besides Bill, why would one want to file a complaint, when one could bring up in court that they are operating outside the law?..

Well, I hate to tell you, but I never said there was..

You know, I just had a thought too,, maybe if you spent the next 3 or 4 years doing your homework you just might learn how to do it the right way..

No, it isn't for the very simple reason that even if Georgia did have license requirements for collectors and you caught some CA violating the law all you could do is waste your time complaining about it..

Of course, some people just aren't happy unless they are bitching about something or somebody..

No, I had to work for the knowledge. I've had to work every day of my life. I grew up on a farm where the work was hard and the hours long. I was taught that if you want something you have to work for it and not be begging others to give me something for free all the time..

Maybe, maybe not. You can always hope...

Bill Bauers Quote of the Day.

"No, I had to work for the knowledge. I've had to work every day of my life. I grew up on a farm where the work was hard and the hours long. I was taught that if you want something you have to work for it and not be begging others to give me something for free all the time.".

Http://consumers.creditnet.com/strai...326#post331326.

Bill, I dont recall having ever begged anything of you, or having ever asked anything free of you, IMO your condencending attitude and blatant arrogance in and of it self would make me flee from your site with a quickness, not to say that your site donst offer some good advice..

IMO your remarks above pretty much well sums up your feeling's of any one that may ask of you a question. Quite frankly I feel it to be worse than a racial slur, if your going to post in this forum and others like it, dont turn around and call those whom are asking you questions Beggers.

Bill, I dont think even your longwinded and colorful writing can excuse you for your comment, I dont believe Ive even seen a troll in here say something like what you have said.......

I think this is the exchange that really tilted the conversation on it's edge and brought it to a new place:.

Georgiaboy: "You know, I just had a thought,, maybe we should all run over to your site and pay you to do something we can do ourselves for free.".

Bbauer: "You know, I just had a thought too,, maybe if you spent the next 3 or 4 years doing your homework you just might learn how to do it the right way.".

Hey, I just had a thought. Why not learn to disagree with each other in a respectful way?.

Doc..

I don't know what else you would expect when I tried to make a helpful comment and then you cme back with some snarling comment as you did..

What goes around comes around. In the first place my comment was not even directed at you. You were not the person who started the thread or wanted any information in the first place..

In the second place, you didn't take the least bit of offense at this comment.

In other words, their license status issues aren't an excuse for you to avoid paying the debt..

While Queen Bee did take serious exception to it..

So when you didn't side with Queen Bee, didn't even make a peep about it but chose to jump all over me when I tried to make a possibly helpful comment simply shows yet once again that you only have a personal agenda against me and will do anything and everything you can to stir up hate and discontent against me for whatever reason..

You might have has some valid reason to make your nasty comments about me if I had posted something that degraded or attacked what you were saying or advocating, but my post did nothing of the sort..

You just lashed out at me for the pure joy of doing it I guess. Sure don't seem to me you had any other reason for doing it..

I have it in mind that there is another reason Queen Bee can't use what she is trying or would like to do but.

That is buried in an Indiana appeals court case and I was doing some research to see if what I thought actually would apply to what she want to do and when I came back to double check on what she was saying you had trashed her thread with your vicious slams against me so you got the reply you deserved..

So apparently you think it is quite socially acceptable to trash other people and hijack threads to further your own goals or opinions whatever they may be but it's somehow evil and bad of me to offer as much help for free as I can..

The very fact that you obviously think this.

In other words, their license status issues aren't an excuse for you to avoid paying the debt..

Is acceptable and then turn right around and think this.

"No, I had to work for the knowledge. I've had to work every day of my life. I grew up on a farm where the work was hard and the hours long. I was taught that if you want something you have to work for it and not be begging others to give me something for free all the time.".

Is terrible should pretty well tell us all that your posts directed at me are nothing more than vicious personal attacks..

And the re-quote shows you will use false accusations if necessary to further your goals..

You made that slam even though nobody asked me anything nor did I ask anybody anything..

And that is false accusation #2! You didn't ask me a question and the comment was aimed at you not anybody else. You were the one hollering about the fact that I do charge for some of my information..

And the reason I do so is not to try to make money from information that others can get for free. That accusation don't even come close to being true. Much of what I have has come from information gained from very expensive books and seminars that I sometimes had to travel great distances to attend and.

Then pay big bucks as well as meet personal qualifications to attend. Meetings, classes seminars and schools not open to the public at any price..

And I've had to make a huge investment to be able to do some of the things I do that simply isn't known about by the vast majority of people who post here. A few do but most do not, you included..

Your attack was vicious and totally uncalled for...

"I don't know what else you would expect when I tried to make a helpful comment and then you cme back with some snarling comment as you did.".

"Ok, so you guys got it all figured out how to use all that information or at least you think you do.".

Was the above the helpful comment bill?.

"What goes around comes around. In the first place my comment was not even directed at you. You were not the person who started the thread or wanted any information in the first place. ".

Pretty clear cut it was directed at myself and Queen..

"In the second place, you didn't take the least bit of offense at this comment In other words, their license status issues aren't an excuse for you to avoid paying the debt. while Queen Bee did take serious exception to it.".

The above didnt concern me bill, Queen had allready iggied the person.

"So when you didn't side with Queen Bee, didn't even make a peep about it but chose to jump all over me when So when you didn't side with Queen Bee, didn't even make a peep about it but chose to jump all over me when I tried to make a possibly helpful comment simply shows yet once again that you only have a personal agenda against me and will do anything and everything you can to stir up hate and discontent against me for whatever reason.

Actually Bill , I didnt side with Queen or anyone as far as that goes..

" I tried to make a possibly helpful comment simply shows yet once again that you only have a personal agenda against me and will do anything and everything you can to stir up hate and discontent against me for whatever reason".

Bill, I urge you, please go thru everyone of my post at credit net, and back up your allogations of me having a personal agenda againt you, and that I will do anything and everthing to stir up hate and discontent against you,, When you find these not to exist post, please post them..

"You might have has some valid reason to make your nasty comments about me if I had posted something that degraded or attacked what you were saying or advocating, but my post did nothing of the sort..

".

Re-read the post Bill, please show me my nasty comments that were placed before you posted the following:.

"No, I had to work for the knowledge. I've had to work every day of my life. I grew up on a farm where the work was hard and the hours long. I was taught that if you want something you have to work for it and not be begging others to give me something for free all the time.".

"You just lashed out at me for the pure joy of doing it I guess. Sure don't seem to me you had any other reason for doing it. ".

Hmm, you calling others beggers is reason enough Id reckon..

"I have it in mind that there is another reason Queen Bee can't use what she is trying or would like to do but.

That is buried in an Indiana appeals court case and I was doing some research to see if what I thought actually would apply to what she want to do and when I came back to double check on what she was saying you had trashed her thread with your vicious slams against me so you got the reply you deserved. ".

Bill if you have info tohelp Queen, feel free to contact her. In the meentime, once again, feel free to point out MY VICIOUS SLAMS against you before you posted the following:.

"No, I had to work for the knowledge. I've had to work every day of my life. I grew up on a farm where the work was hard and the hours long. I was taught that if you want something you have to work for it and not be begging others to give me something for free all the time.".

Cant do it can ya Bill?.

"So apparently you think it is quite socially acceptable to trash other people and hijack threads to further your own goals or opinions whatever they may be but it's somehow evil and bad of me to offer as much help for free as I can.".

No Bill, I dont think it's acceptable to trash someone elses thread, but I will defend myself where ever I may be.BTW, I have no goals other than helping others, and I dont recall anyone stating that it's evil or bad of you to help others..

"The very fact that you obviously think this In other words, their license status issues aren't an excuse for you to avoid paying the debt. is acceptable and then turn right around and think this "No, I had to work for the knowledge. I've had to work every day of my life. I grew up on a farm where the work was hard and the hours long. I was taught that if you want something you have to work for it and not be begging others to give me something for free all the time." is terrible should pretty well tell us all that your posts directed at me are nothing more than vicious personal attacks. ".

Bill, please point out where I said I think their license status issues arent an excuse....I dont recall me having ever said that..

" then turn right around and think this "No, I had to work for the knowledge. I've had to work every day of my life. I grew up on a farm where the work was hard and the hours long. I was taught that if you want something you have to work for it and not be begging others to give me something for free all the time.".

Bill, hate to bust your bubble, but I'm not the one who said that, You did..

"is terrible should pretty well tell us all that your posts directed at me are nothing more than vicious personal attacks. ".

Once again bill, feel free to search thru all my post in CN and prove your allegations.

And the re-quote shows you will use false accusations if necessary to further your goals..

Quote:.

Originally posted by georgiaboy.

IMO your remarks above pretty much well sums up your feeling's of any one that may ask of you a question..

You made that slam even though nobody asked me anything nor did I ask anybody anything..

Wasnt a slam bill, it was an opinion..

Quote:.

Quite frankly I feel it to be worse than a racial slur, if your going to post in this forum and others like it, dont turn around and call those whom are asking you questions Beggers.

"And that is false accusation #2! You didn't ask me a question and the comment was aimed at you not anybody else. You were the one hollering about the fact that I do charge for some of my information.".

Seeing that it was aimed at me bill, please feel free to pull up all post where in I have begged anything of you..

Bill you have the right to charge for your info, I never said you didnt..

"And the reason I do so is not to try to make money from information that others can get for free. That accusation don't even come close to being true. Much of what I have has come from information gained from very expensive books and seminars that I sometimes had to travel great distances to attend and.

Then pay big bucks as well as meet personal qualifications to attend. Meetings, classes seminars and schools not open to the public at any price. ".

Bill, no one has said you do not have the right to charge for what you know..

"And I've had to make a huge investment to be able to do some of the things I do that simply isn't known about by the vast majority of people who post here. A few do but most do not, you included.".

And you know of what ive invested into what,,, How?.

"Your attack was vicious and totally uncalled for".

Was an opinion bill, Now go back and Back up your allegations of me having a personal vendetta against you..

Your Dawg Dont Hunt Bill...

Wow, has the lbrown59 method of quoting become the de facto standard? I'm playing hell following this match. Who won?.

Doc..

Still waiting on the judges to make there decisions doc lol..

<-`..`..`*Wow, has the LBrown59 method of quoting become the de facto standard? I'm playing hell following this match. Who won?.

Doc.

===============.

Doc. they're not using my style...

Bill, Im still waiting on you to back up your allegations of my having a personal vendetta againt you. Your words are only hurting your business Bill..

I bet self inflicted wounds really hurt...

Their license status issues aren't an excuse for you to avoid paying the debt..

Too much.

===============.

AN illegal operation cannot create a legal debt..

The END ************************* LB 59..

Georgiaboy,.

For the record Informing a CA of their lic requirements DID cause them to screw up as you suggested..

I am not saying it would work all the time but it worked for me..

They sent me a reply letter saying "you should really hire an attorney as it is not recommended that someone who isnt lic in law attempt to practice law.".

Turns out they were able to collect in my state and the overconfidence they felt laid the groundwork for what came next......

They went on to violate several FDCPA and FCRA laws and deleted about a week later with apologies from the president of the CA..

Anywho, just my 2 cents!..

There vindictive nature in and of it self often leads to mistakes and will cost them money..

In a state like Ga where there not required to have a license to collect, and you ask for a copy of there license, they will try and spew fourth BS..

This BS often leads to there dimise..

I would only reccomend toying with them like this if your past the SOL or the debt is not yours..

Otherwise, find there weakness, and hold onto it till they are ignorant enough to file suit against you. Then you use it as a tool to get what you want..

NEVER PAY FOR A SERVICE THAT YOU YOURSELF CAN DO FOR FREE...

Good qoute LB... lets bump so others can learn the truth...