Anyone else doubt there will ever be any jail time for these creeps?

How are these people not in jail?

Impersonating a judge? Impersonating a cop? That's some serious shit.

This has felony written all over it.

I'm surprised Arizona *law didn't think of this first.

Adding video to channels (Law) - requested by MrFisk.

TYT gives some of the worst commentary. Essentially that was 2 minutes of a news report and 3 minutes of them saying "man these guys are terrible".

"Unicredit America is accused of deceiving, misleading, and coercing hundreds of consumers into paying off their debts."

Yeah, God forbid people should pay off their debts.

>> ^handmethekeysyou:

"Unicredit America is accused of deceiving, misleading, and coercing hundreds of consumers into paying off their debts."
Yeah, God forbid people should pay off their debts.


2 wrongs don't make a right, though; it takes at least 3 lefts.

Yeah! But most of these people have addictions... like food... and warmth... bastards!

>> ^handmethekeysyou:

"Unicredit America is accused of deceiving, misleading, and coercing hundreds of consumers into paying off their debts."
Yeah, God forbid people should pay off their debts.

Of course they are asking for access to their bank accounts and the title to their vehicles be signed over. Which is a handy way of creating a situation where these people might find themselves drawing down even more debt. What other option do you have when you got a shady business drawing directly from your account when you need that money to pay necessary bills such as health insurance, mortgage, etc. The overages and fees it caused by this alone could put people at a massively negative balance, not to mention being down a means of transportation.

That's assuming these debt collectors even properly count the debt they collect via car sale and direct account access...I mean it's not as if they are conducting themselves in a manner that suggests they would. Short term solution that creates a long term problem for every person they've used this on.

Hopefully the local court systems and local sheriffs offices realize what kind of message it sends if they take it lightly on this company and it's actors/employees. My guess is a lot of people start using the "I thought it/they were fake" excuse when they start receiving court documents or have the sheriff at the door.


>> ^handmethekeysyou:

"Unicredit America is accused of deceiving, misleading, and coercing hundreds of consumers into paying off their debts."
Yeah, God forbid people should pay off their debts.

*he passionately writes as he requests another hot pocket from his mother's basement*>> ^handmethekeysyou:

"Unicredit America is accused of deceiving, misleading, and coercing hundreds of consumers into paying off their debts."
Yeah, God forbid people should pay off their debts.

If the RIAA can pretend to be legal authorities, why not everyone?

It is funny, I got a call from this company late last year and earlier this year saying they where trying to deliver a court Subpoena on a debt I was suppose to have. Problem is, I had already taken Capital one to court 3 years ago over this 1. Never Have or had A capital one credit card. 2. Capital one had been screwing over my credit report for 2 years and would not budge that this was not my debt 3. The Credit Card was for someone else with close to the same name in a different state.
So I explained this to the guy and he started giving me s#@#$ saying it was mine. this went on for a few weeks till I got someone at the Texas attorney generals office to listen in on one of the calls. Last I heard there are warrants out for several of the people working for this company for claiming to be officers of the court for which they are not. If I hear anything more I'll post more info.

>> ^blankfist:
TYT gives some of the worst commentary. Essentially that was 2 minutes of a news report and 3 minutes of them saying "man these guys are terrible".


In this case the commentary was a bit poor but overall TYT does a great job of bringing these issues to the attention of the masses. It's quite possible that if TYT hadn't commented on this bit of local news then it would have remained local news with the majority of people remaining ignorant of the matter altogether. Now TYT has commented on it you can bet that some of the larger news organisations will pick it up.

So, what? You believe that people shouldn't have to repay their debts so long as they have a sad story? What these people do could be described as sleazy at best, but the debtors still owe money.

>> ^rottenseed:

he passionately writes as he requests another hot pocket from his mother's basement >> ^handmethekeysyou:
"Unicredit America is accused of deceiving, misleading, and coercing hundreds of consumers into paying off their debts."
Yeah, God forbid people should pay off their debts.

And that's why debt collectors exist and there are laws governing what they can do when attempting to collect. If debt collectors don't feel they can collect debts within the law, they shouldn't have gotten into the business. And if someone has a large amount of outstanding debt, it's fairly trivial to run up more debt via all the avenues people attempt to extend credit to people. It's not right to rip people off, but there are laws in place to prevent abuse of those people. Yet somehow people can seem to overlook this when extending credit, even if the person owes a lot of money.

Yes people should repay their debts, but there's a whole shady business associated with it. If they didn't want to incur the debt they wouldn't extend credit so freely, and give you debit cards as default for ATM cards......and constantly raise your credit card credit limit (it's not unheard of to go from a requested 500 dollar limit to 10 grand or more as a limit without requesting it). It's annoying to have to watch that the bank doesn't screw with your self imposed limits on cards...but that's the point. They want you to fuck up.


>> ^MarineGunrock:

So, what? You believe that people shouldn't have to repay their debts so long as they have a sad story? What these people do could be described as sleazy at best, but the debtors still owe money.
>> ^rottenseed:
he passionately writes as he requests another hot pocket from his mother's basement >> ^handmethekeysyou:
"Unicredit America is accused of deceiving, misleading, and coercing hundreds of consumers into paying off their debts."
Yeah, God forbid people should pay off their debts.

Of course people want you to rack up more debt. It's why payday loan and auto title loan places exist. I already said that what these people do is disgusting, but again, people who owe money should have to pay it back, regardless of sob story. I'm not saying that people should have their legs broken for not paying it fast enough, but they shouldn't be surprised when lenders want their money back.I wouldn't doubt if more than nine cases in ten the reason they're in debt is because they didn't control their spending habits.

>> ^MarineGunrock:

Of course people want you to rack up more debt. It's why payday loan and auto title loan places exist. I already said that what these people do is disgusting, but again, people who owe money should have to pay it back, regardless of sob story. I'm not saying that people should have their legs broken for not paying it fast enough, but they shouldn't be surprised when lenders want their money back.I wouldn't doubt if more than nine cases in ten the reason they're in debt is because they didn't control their spending habits.


I think your missing the point, MG. This video is more about the barely legal/illegal methods that debtor companies use in order to get people to pay their debts. I didn't upvote this video because I felt sorry for the debtors, I upvoted because the company that is obtaining these debts is doing so in an incredibly unethical way that undermines actual authority (police and court rooms).

No, I was simply adding a scene to surround the comment for comedic value>> ^MarineGunrock:

So, what? You believe that people shouldn't have to repay their debts so long as they have a sad story? What these people do could be described as sleazy at best, but the debtors still owe money.
>> ^rottenseed:
he passionately writes as he requests another hot pocket from his mother's basement >> ^handmethekeysyou:
"Unicredit America is accused of deceiving, misleading, and coercing hundreds of consumers into paying off their debts."
Yeah, God forbid people should pay off their debts.

Ok ok ok...so some of you don't know how debt collectors work. Pay attention. Joe Schmo owes money to a certain company. That certain company doesn't get paid by Joe Schmo because he's lazy or broke or just doesn't give a crap. That company sells the debt to a debt collecting company like Unicredit America for a lesser percentage of the owed amount. Unicredit America then spends their resources tracking down Joe Schmo to capitalize on their investment (get paid). Unicredit assumes the risk when buying these debts and Joe Schmo is in no way obligated to Unicredit America. He is obligated to whom he is indebted to. I don't feel bad for collections companies. They are in a shady business, so they can go fuck themselves.

For the record, Joe Schmo should handle his debt with the original company.

I'm not missing the point, Tymbrwulf, I agree that these are shady bastards.

Rottenseed, I knew that Unicredit buys the debt from the lenders, but are you saying that debtors are NOT, in any way, legally obligated to pay unicredit? And if the lender sells the debt, are they no longer the creditor? You're saying the only downside to not paying back the debt is bad credit? I don't see how that makes sense.

I dunno a pretty big downside is having these guys hound you. I've got a pretty common name, I get calls all the time from debt collectors using automated systems to confirm I am who they think I am. An answering machine answering the phone is usually enough to confirm their questions because it goes something like "If you are not First M. Lastname, please hang up now." So.....stupid answering machine and voicemail don't hang up....and now you are First M. Lastname to them. And they call relentlessly until you talk to them. And they want information about you to prove you are not this person, because at this point your word is not good enough.

I've heard them using automated callers are against the law, but their callbacks numbers are bogus most times and they leave no information as to what company is calling when the automated caller dials.

So presumably this company could have determined I was First M. Lastname, sent a fake sheriff to my house and summoned me to fake court...and not even be harassing the right person.

Which is why the laws exist and in my opinion should be more stringent. Because Im tired of the MFers calling me every few months again to confirm I am First M. Lastname. If I knew how to get some money from them for the annoyance without it costing me more to run them down I'd probably do it.

Meanwhile debtor has probably declared bankruptcy and is clear of the debt....I still get the phone calls. Awesome setup.