About Robert Paisola Expertise I wanted to take a moment to talk to our clients and readers around the world.
We are facing a VERY SERIOUS and COMPLEX financial disaster in the United States taking place. I am being overwhelmed by victims of companies such as American Express, Nationwide Credit, Allied Interstate, Unifund, and our company Western Capital.
We have also been getting massive exposure from the international media because of the video that we posted on YOUTUBE where we show our live conversation with AMEX and Nationwide Credit. You can see this video at www.MyWesternCapital.com
The Bottom line is that if you have been abused, buy an MP3 Recorder and email us your outline of whats going on. If we accept you, you will be required to pay 500.00 via PayPal.com to robert@mycollector.com and we will do the same for you as you see in the video. I will only take 5 clients a week, because of my speaking schedule.
Again... If you have been scammed, I will personally assist you. If you are a business owner visit my special message for you at www.westerncapitalturnaround.com and send your specific details also to vip@westerncapitalturnaround.com
To your Success,
Robert Paisola
www.RobertPaisola.com
801-619-4700 or 1-877-517-9555
As the CEO of Western Capital MyCollector.com , based in Salt Lake City, Utah, Robert Paisola has been distinguished as a foremost expert in the field of debt collection, credit, creditors rights and collection agency administration. Having appeared on many national news and information programs, Mr. Paisola is the expert the media turns to when a creditor/ debtor issue becomes HOT! Check out the web site at www.mycollector.com for more information. If you have a special situation that you need personal assistance with, simply visit www.WesternCapitalVIP.com and you will be on your way to resolving your crisis!
Experience
Past/Present Clients Fotogenix Corp.
The Trump University Affiliate Program
The Walt Disney University
The Holiday Inn Corporation
www.MyCollector.com
www.MySpace.com/westerncapital
www.WesternCapitalFinancial.com
www.tstndirect.com
www.WesternCapitalCredit.com
www.RobertPaisola.Net
www.RobertPaisola.Com
www.RobertPaisola.Org
CEO, The Success Training Network
The Hilton Hotel Corporation
Investigator: The Franklin Squires Educational Program
REIS: Real Estate Investor Support
www.RESuccessGroup.com
Member: International Association of Investigative Reporters
The James Smith Real Estate Organization
The Impact Trainings Program
VantageScoreFacts.com
Russ Whitney Education Group
Wealth Inteligence Academy
Edutrades Inc.
MIT Money In Training
James Smith, Real Estate Mentoring
Toyota Motor Credit
GMAC Mortgage
Criminon International
Nortel Networks
Chase Bank
GE Capital
IHC Healthcare
Arthur Andersen
ExTerra Credit
US West Dex
Qwest Corporation
Goldman Sachs
E*Trade Bank
Boeing, Inc.
Chase Bank
BayView Financial
Xerox Corporation
Banco Popular
Ralston Purina
Credit Suisse First Boston
NCO Financial Services
CIGNA Healthcare Receivables
American Premier Holdings
Prudential Preferred Receivables
US Sales Corporation
OSI Collections
Countrywide Home Loans
Hibernia National Bank
United Way
ViewSonic
Alpha Therapeutic Corp.
Merle Norman Cosmetics
Hobbs Herder Advertising
Over the past few years as I have been able to assist many of you in this and other varous forums, I have been asked over and over about the possibility of hiring me personally to resolve your specific issues.
If your situation is one of crisis - losing a home, serious collection stress, attorney involvement, tax issues, etc, a reduced rate can be provided for direct one-on-one help.
In matters where you have a lot to lose, it may be wise to call our offices at 1-877-517-9555 and ask for Lisa to see if she can set you up as a private client.
Due to my extensive travel schedule, I will not always be able to take all cases, but my goal is to assist as many people as possible.
Most of the time, we get results very quickly and we cut through all the red tape.
Are you the owner or manager of a credit and collections department? Visit www.mycollector.com and spend some time looking around.
You can now have Have Robert Paisola provide on-site training for your collectors and call center employees.
Just Call Western Capital at 1-877-517-9555 for more information or email Robert at trainings@mycollector.com
Finally, If you feel like your life is running in circles and you feel like you have lost all hope, check out Impact Trainings in Utah at www.impacttrainings.com and tell whomever you end up talking with that I personally sent you. I PERSONALLY recommend this program to all of my students, It may be the biggest challenge you ever face...YOU!
UPDATE 7-2006 We are noticing that many of the complaints that you have are against debt collection companies.( Listen to the calls at http://www.WesternCapitalTurnaround.com and you will clearly see that we may be able to assist you.
If you are looking for an attorney to merely churn papers, then I am not the solution. If you are mad as hell and want RESULTS email me now at robert.allexperts@mycollector.com and lets talk. You can also visit http://www.WesternCapitalVIP.com
WOW! I feel like I never get any sleep! YOU ARE MY CAUSE! I LOVE WHAT I DO! But, Sometimes CONFLICT is necessary to PROTECT YOU. JUST GO TO THE SITE AND BE PREPARED TO BE BLOWN AWAY!!!!!!
Also, please take the time to provide your feedback and understand that I WILL ALWAYS REPLY, and take that into consideration when you rate for answering your question QUICKLY!
I have logged in from seminars in India, Germany, Hong Kong, The United Kingdon, China, Japan and all over the world to assist YOU in a timely manner!
Please Visit www.RobertPaisola.com for all of the details!
We are taking this mission very seriously and have received over 2 Million Hits on our site at www.MyCollector.com in the past 90 days. That shows that YOUR VOICE IS BEING HEARD!
Finally, let me say that I am honored that you are taking the time to read this. We have worked very hard to create CHANGE in the collection industry and we know that you have many choices on this incredible site to submit your questions to, and I am more than happy to assist you! Just Please provide the positive feedback when you receive a reply!
UPDATE- 4-2007 LISTEN TO A LIVE 3 STAGE CALL to ALLIED INTERSTATE AND INTELLIRISK- AS THEY VIOLATE FEDERAL LAW....WITH ROBERT PAISOLA! Robert Paisola wins $30,000 in FDCPA Damages in 45 Minutes! GO TO www.MyWesternCapital.com/news_allied.html NOW! This is a LIVE AUDIO FEED THAT WILL GIVE YOU AN IDEA HOW YOU HAVE TO DEAL WITH COLLECTORS WHO CROSS THE LINE. IF YOU HAVE HAD PROBLEMS LET US KNOW!
UPDATE OCTOBER 2006- NATIONWIDE CREDIT IS NAILED TO THE CROSS BY ROBERT PAISOLA FOR MULTIPLE FDCPA VIOLATIONS- CLASS ACTION LAWSUIT IN PROCESS- MILLIONS TO BE PAID! LISTEN TO THE LIVE CALL AT MYCOLLECTOR.COM
January 2007- Update- It is ESSENTIAL that you understand that ANY question that you ask is NOT being asked to AN ATTORNEY! That is the great benefit of being able to provide you, my readers, with straight forward answers. If you have ANY questions about this Disclaimer... then email us and we will provide you with a formal letter of Clarification from The State Bar Association.. So, If you are happy and understand this.... Ask Away! Also, because of the large volume of mail that I receive from around the world, it may take up to a week to get back to you, PLEASE UNDERSTAND THIS!!! I do seminars and travel all over the world, so Please be kind in your ratings of Timeliness! If you have an emergency, go to www.WesternCapitalVip.com Immediately!
Collections Law - Does the statue of limitations DLA reset on repossession?
Expert: Robert Paisola - 4/18/2006
Question Does the statue of limitation's Date of Last Activity reset on repossession? Ex-wife's car with joint loan got repossessed. The last payment is now beyond the SOL, repo which happened few months later may not be. Contract signed in, and place of residence is Georgia.
Also, is it relevant that the DLA is different at the various credit reporting agencies? One of them has a DLA on the report beyond the SOL (last payment), the others appear to be the date of the repo.
Any help would be greatly appreciated,
Tracy
Answer Hello Tracy,
Thanks for taking the time to write to me on this very important issue.
For the rest of our readers, let me state that Tracy is talking about the DATE OF LAST ACTIVITY which correlates to when the 7 year clock starts ticking where a credit bureau MUST remove a derogatory trade line.
As a subscriber to all three bureaus and as a reporter of accounts, we have always been advised that we must report the DLA as the DATE OF LAST PAYMENT. That is why collectors often demand that you pay a "Token Payment" on your account; to start the clock over.
This is a copy of an article that I wrote for Success Magazine, and I am sure that it will shed some additional light on your issue
"Unpaid debts, especially ones that have gone to collection, are bad news for your credit report.
Debt collection companies and creditors view the credit reporting system as a tool for debt collection. Often, debtors will pay or settle an account to avoid negative information appearing on their credit reports. For this reason, credit reporting is a "powerful tool designed, in part, to wrench compliance with payment terms."197
While it is appropriate for companies to inform consumers that unless they take care of a valid debt by a certain deadline, accurate derogatory data will be reported to credit reporting agencies (CRAs), it is highly improper to threaten to report-and to report-inaccurate data as a tactic to pressure a consumer to pay an amount that is in dispute.
Unfortunately, some debt collectors and creditors have been accused of crossing this line.
One common problem is accounts that have gone to collection often result in duplicate or even triplicate negative accounts. Say your Sears card account was charged off and
197 Rivera v. Bank One, 145 F.R.D. 64, 623 (D.P.R. 1993)
sent to collection. It is not uncommon for the debt to be reported separately by Sears and by the debt collector. If that collector fails to collect and the debt is sold to a third collector, still another negative entry to your credit report could result. Of course, there should only be one entry.
'Re-Aging'
A second common problem is known as "re-aging." This involves the debt collector reporting an account with a more recent date, like the date it began trying to collect on it, as opposed to the actual date the debt became delinquent, which is what is supposed to be reported.
The Federal Trade Commission already has brought two cases against debt collectors over re-aging, as well as other alleged violations of the Fair Credit Reporting Act and Fair Debt Collections Practices Act.
In the most recent case, the FTC brought suit against DC Credit Services, Inc., and its owner David Cohen. "In numerous instances, in the course and conduct of their business, defendants have reported information about debts to consumer reporting agencies using a date of delinquency other than the month and year of the delinquency that immediately preceded date,"198 stated the FTC complaint, filed in a Los Angeles federal court on June 27, 2002.
Four days later, on July 1, 2002, DC Credit Services and Cohen settled the charges, agreeing to pay a $300,000 civil penalty and to notify CRAs to delete all adverse information the collection agency previously reported to them over the past seven years. The consent decree permanently banned Cohen from engaging in debt collection activity.199
198 U.S.A. v. DC Credit Services, Inc., et al.: U.S. Dist. Ct. - Central Dist. of California; Case No. 02-5115; The FTC alleged that this violated 15. U.S.C. § 1681s-2(a)(5) of FCRA; www.ftc.gov/os/2002/07/dcscmp.pdf 199 "California-based Debt Collector Agrees To Pay, $300,000," FTC press release, July 1, 2002; www.ftc.gov/opa/2002/07/dccredserv.htm
So you can see, this is a big problem and if they do not go by the date of last payment and re-age your account, I want you to file a complaint with the FTC.
Oh, and be sure to post feedback to the site!
Yours in Success
Robert Paisola
Chief Executive Officer
Western Capital
www.mycollector.com
ABOUT YOUR AUTHOR:
Robert Paisola is driven by a passion for people--motivating them to reach for the highest standards of success. As founder and president of many International Corporations, Robert trains sales and marketing
professionals who want to strive to get to the top...and stay there. His innovative, no-nonsense approach is based on applying what he has observed in his fifteen-plus years in säles, motivational speaking and debt collector training, thus revealing the common business habits of the top 20% of säles performers in all organizations.
Robert's approach works...that's why New York-based Success Magazine has rated Robert Paisola as one of the top-five most effective säles-training professional in the market today.
Routinely Distinguished by The National Speakers Forum, Robert is also a regular contributor to Business Week
Magazine, CNN, CNNFN, XM Satellite Radio, The Wall Street Journal, Telemundo International, National Public Radio and many other organizations.
For more information on Robert Paisola's unique training programs, contact Robert at the Success Training Network or email him at robert@mycollector.com or at 1-877-517-9555 or visit Robert's Media Access site located at: http://www.expertclick.com/19-2637
