Dan Reeves left a message for me today, again - he was too busy to call me yesterday.
So I called him. The first time the phone rang and rang, on 2nd try I got his VM.
I told him that I'm too busy to play phone tag and that my fax is 571-222-1000 and my e-mail is christine@bayhouse.com. Also gave him this URL.
I'm getting awfully tired of American Agencies wasting my time, and I'm extrememly busy. As soon as I catch up a little, hopefully later this week, I'll post my previous communications with them. If you haven't read the documentary of my small claims suit last year, you can't imagine how obnoxious these people are.
Posted by Christine at July 22, 2003 02:18 PMAmerican Agencies engages in willful noncompliance with provisions of the federal Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).
Formal complaints should be directed to:
1. Federal Trade Commission
2. State of California--Office of the Attorney General
3.County of Los Angeles--Department of Consumer Affairs
4.Better Business Bureau of the Southland
Get empowered, and get the word out. Put an end to illegal, unethical, abusive, and deceptive debt collection practitioners like American Agencies.
If I may offer further assistance, please contact me:
(deleted - no scummy credit repair ads, please!)
Regards,
Cyrus Koupai
Posted by: David Cyrus Koupai at July 30, 2003 02:03 AM
"If I may offer further assistance, please contact me"
What type of assistance can you provide? Do you have a web site?
Posted by: Christine at July 30, 2003 04:01 AM
YOU ALL NEED TO STOP CRYING LIKE LITTLE BABIES IF U ALL PAY YOUR BILLS ON TIME U WOULDNT HAVE TO DEAL W/ THIS COLLECTION AGENCIES, AFTER U PAY W/ THEM ITS NO LONGER THERE PROBLEM ITS THE C/R THAT ARE SO BUSY TO UPDATE YOUR FILES SO ALL OF U SHUT THE HELL UP
Posted by: at September 11, 2003 07:02 PM
How many times should I have paid my bills?
Once or twice?
Thank you VERY much for posting. Many readers have no idea how many morons there are.
Everybody please note that there is no name and no e-mail provided by the moron. Based on my 8 years of internet publishing and 15 years of credit/mortgage/real estate work, I'd say a good 20% of the American population feels like this moron.
Fortunately, only about 1% or less post.
And just about NONE have the guts to say who they are.
Posted by: Christine at September 11, 2003 07:46 PM
I'm a victim of American Agencies, as well. They've got a very old phone bill (1998) on my credit report. Same old story. I contacted them, and they weren't very receptive. I mailed (certified / return receipt) a request for validation. I got a call today again. Now, they're stating they don't have the information to validate the debt, but will try to get it from Pac Bell. He's also trying to collect on a 10+ yr old telephone, but can't validate that, either. I notified the CRA's about it to initiate another investigation. They said that they will request that American Agencies provide documentation.
Posted by: Chris Ford at October 3, 2003 03:08 PM
The CRAs don't request ANY documentation, they just report whatever the creditors/collectors tell them.
I just posted on where to find the American Agencies registered agent at http://forum.creditcourt.com/discus/messages/17/2604.html, and unless they delete in response to your CRA disputes, you need to sue them.
If American Agencies reports the account as disputed, you should go through a few more steps before suing.
Posted by: Christine at October 3, 2003 09:17 PM
Dear Consumers:
The federal Fair Debt Collection Practices Act (FDCPA) requires that a third party debt collector must first validate it claim for debt before it can engage in any collection activity or derogatory credit reporting.
Debt validation is required under Section 809(b) of the FDCPA.
American Agencies is a debt collector that engages in unfair, deceptive, abusive, unlawful, and fraudulent business and credit practices.
By making reports on unvalidated debts, American Agencies also willfully violates provisions of the federal Fair Credit Reporting Act (FCRA).
For an initial review of your consumer rights, your first stop should be the Federal Trade Commission website at:
www.ftc.gov
On the FTC site, you can review information on FCRA & FDCPA.
Christine at Bayhouse is a very good source of experience and information on how various unscrupulous debt collectors operate.
Another fantastic internet site that promotes (deleted - more self promotion posted there.)
SEARCH: AMERICAN AGENCIES
(deleted) Credit Consultants is a for-profit consumer advocacy organization promoting and protecting the interests of consumers in the Southern California area, and nationwide.
Contact information:
(deleted - NO ADS!!!!)
As the Executive Director of ECC, I wish to thank all the consumer advocates, including Christine at Bayhouse, and the Editor at Rip Off Report, for leveling the playing field against a very powerful credit industry lobby.
Unfortunately, there is a segment of the population that is poorly informed about credit industry abuses pervasive in our great country.
These abuses can turn personal and family finances upside down, a bring about significant hardship and emotional distress.
Contrary to one supposition, simply paying a bill is not a real solution to these abuses. Often credit is damaged, unjust enrichment is advocated, and financial independence is denied.
ECC encourages your comments and feedback and will continue to work in the best interests of all consumers.
Much success in your future welfare and financial growth.
Regards,
David Cyrus Koupai
Executive Director
Posted by: David Cyrus Koupai at April 23, 2004 03:36 PM
I've had the privilege of doing business with Mr. Koupai and he is extremely knowledgeable and passionate about credit repair. Not only did he improve my credit rating, but he secured it, and informed me on ways to never be a victim of false reports and bogus fees again. Mr. Koupai is working hard for hard working people. He knows the hardship that bad credit can induce. I personally recommend Mr. Koupai's services, and the time and price it takes is defintely worth the longterm damage produced otherwise.
Posted by: Michele at April 23, 2004 04:04 PM
Are you done insulting my intelligence?
I hope so. Future postings will be deleted. How stupid am I?
Stupid enough to have spent years doing what Mr. Koupai is NOT doing: working on changing credit reporting, scoring and collection practices.
Please, no more scummy credit repair ads.
Anyone who truly cares about the issues would have provided me with an affidivat about specific American Agencies FDCPA and FCRA violations, for use by me and everybody else in court.
"Much success in your future welfare and financial growth."
That is SICK!
You have a one-track mind. I don't even advertise my own services and my subscriber forum CreditFactors.com here. The purpose of this blog is not to make money. I'm so busy with my suit and the web sites, on average I've only accepted one client a month for at least a year. I don't have time to make money.
It makes me very angry when people treat me like I'm stupid just because I'm not obsessed with money.
Posted by: Christine at April 23, 2004 09:35 PM
The new American Agencies forum:
http://www.compass-bank-sucks.com/forum/
PLEASE no soliciting there, consumers ONLY!
Posted by: Christine at May 9, 2004 04:20 AM
Christine Baker:
There is nothing "sick" about making money.
Money is nothing more than an acceptable medium of exchange in society for goods and services deemed to have value. (Source: Introduction to Business 101). It was used to replace the practice of bartering.
What is "sick" is when you strive to make money through amoral means. When you seek to exploit or take advantage of people.
Working for a cause without charging payment is nobel. Often in the work that I have done for average people--good folks--I too have not charged them. If I did charge them, I always tried to arrange a plan that would not create financial hardship for them.
Many times I did not charge them any money at all. FREE. In providing the services, I absorbed the costs out of my own limited resources.
It does not make the work any more or less relevant.
If you choose to help people out of the goodness of your heart, then that is something the World needs more of. It is the best way to get rid of all the problems that seems to plague our society, and what clearly has you on the defensive.
I resent and it is wrong in the fact that you refer to credit repair as "scummy". You will not find a person of greater integrity and moral character than myself. I always think of others first.
There is nothing wrong with advising consumers with knowledge of their rights under the law. In my postings, I have given that information for benefit of consumers only. I received no financial benefit to myself or business.
You went off the handle in a domino effect of negative reasoning and false assumptions. You conveniently appointed yourself judge, jury, and executioner by denying people the source of their information. Good information from a reputable source. You also buy into the propaganda so effectively marketed by the billion dollar credit industry to keep consumers at bay.
Credit repair is really assisting consumers use their rights under FCBA, FCRA, & FDCPA to preclude and rectify damages and abuses administered by creditors, lenders, debt collectors, banks, mortgage companies, etc. etc.
Step aside from your own personal offenses and opinions of credit repair, and acknowledge that people should KNOW the source of their information, quality of information, and utility of information.
The knowledge should be open to them. The People can make their own determination, after they have the knowledge to combat the propaganda.
Censorship, which is what you have promoted on this link, in un-American, and goes against the Constitution. You are an American, and you are dealing with the mechanizations of the American control structure that has you so entirely frustrated.
Do not defame innocent bystanders, especially those that share your cause. You should put my information on the site and stop censoring information.
Reference the Constitution that our People have the "right to life, liberty, and the pursuit of happiness." These are great ideas, and you have a civic duty to People, in the midst of all the good and hard work you perform, to recognize these basic truths.
Sincerely,
Cyrus Koupai
Executive Director/Credit Consultant
(NO AD PLACED)
Posted by: David Cyrus Koupai at June 3, 2004 12:01 PM
Christine Baker:
There is nothing "sick" about making money.
Money is nothing more than an acceptable medium of exchange in society for goods and services deemed to have value. (Source: Introduction to Business 101). It was used to replace the practice of bartering.
What is "sick" is when you strive to make money through amoral means. When you seek to exploit or take advantage of people.
Working for a cause without charging payment is nobel. Often in the work that I have done for average people--good folks--I too have not charged them. If I did charge them, I always tried to arrange a plan that would not create financial hardship for them.
Many times I did not charge them any money at all. FREE. In providing the services, I absorbed the costs out of my own limited resources.
It does not make the work any more or less relevant.
If you choose to help people out of the goodness of your heart, then that is something the World needs more of. It is the best way to get rid of all the problems that seems to plague our society, and what clearly has you on the defensive.
I resent and it is wrong in the fact that you refer to credit repair as "scummy". You will not find a person of greater integrity and moral character than myself. I always think of others first.
There is nothing wrong with advising consumers with knowledge of their rights under the law. In my postings, I have given that information for benefit of consumers only. I received no financial benefit to myself or business.
You went off the handle in a domino effect of negative reasoning and false assumptions. You conveniently appointed yourself judge, jury, and executioner by denying people the source of their information. Good information from a reputable source. You also buy into the propaganda so effectively marketed by the billion dollar credit industry to keep consumers at bay.
Credit repair is really assisting consumers use their rights under FCBA, FCRA, & FDCPA to preclude and rectify damages and abuses administered by creditors, lenders, debt collectors, banks, mortgage companies, etc. etc.
Step aside from your own personal offenses and opinions of credit repair, and acknowledge that people should KNOW the source of their information, quality of information, and utility of information.
The knowledge should be open to them. The People can make their own determination, after they have the knowledge to combat the propaganda.
Censorship, which is what you have promoted on this link, in un-American, and goes against the Constitution. You are an American, and you are dealing with the mechanizations of the American control structure that has you so entirely frustrated.
Do not defame innocent bystanders, especially those that share your cause. You should put my information on the site and stop censoring information.
Reference the Constitution that our People have the "right to life, liberty, and the pursuit of happiness." These are great ideas, and you have a civic duty to People, in the midst of all the good and hard work you perform, to recognize these basic truths.
Sincerely,
Cyrus Koupai
Executive Director/Credit Consultant
(NO AD PLACED)
Posted by: David Cyrus Koupai at June 3, 2004 12:03 PM
I don't believe that I or anyone else is born for "life, liberty, and the pursuit of happiness"
You have done NOTHING to make this a better planet, and you abused my forum for your own financial gain.
You are the reason why American Agencies and all these other scummy collectors and creditors get away with extortion.
You have done NOTHING to assist with getting American Agencies shut down.
You have NOT provided me with an affidavit for use in my suit against them.
Apparently you're also not very bright. You're talking to me about defamation. How stupid can you be?
Your disguised advertisements here and at ripoffreport.com are repulsive, absolutely sickening. I despise nothing more than deception as practiced by you.
It is obvious that you prey on the American Agencies victims who are most vulnerable. Anyone with basic "life" skills can follow my public and totally free dispute instructions at
http://www.fight-back.us/forum/ and then sue American Agencies for their statutory and/or actual damages if their problems are not resolved.
One day you'll find out that all that money you're making off the most vulnerable human beings means nothing - you can't take it with you.
Posted by: Christine at June 3, 2004 12:42 PM
Christine:
I have not made so much as one penny from any listing on your web posting or the RipOff Report website.
Neither have I made a dollar on victims of collection abuses by American Agencies against consumers.
I also am not trying to amass wealth so I can take it to the grave with me.
You use a lot of negative terms in you statements and make a lot of negative assumptions that are untrue.
You express a perpetual victim syndrome, like everyone is trying to take advantage of you or assume less of you.
Your statements about me and my business are factually false. There is no basis for anything that you have stated.
In my opinion, you are a mentally sick individual, and you assume the worst of people. Your prism of like is distorted under a black cloud. Your views are skewed.
I am not the source of your frustration, or the abuses you perceive to be perpetrated against other consumers.
A lot of your negative comments are nothing more than a projection of your own inadequacies and insecurities.
I hope you are successful in you lawsuits, and I hope that you can help as many people on terms that are acceptable to your own individual standards.
But, I do believe that you are a psychologically tormented individual. I hope you can make some peace with yourself and with society.
With all blessings,
Cyrus Koupai
(No money was made from this posting and postings on RipOff Report)(Both are good sources of consumer information).
Posted by: David Cyrus Koupai at June 4, 2004 04:57 PM
I have absoltely NO reason to believe a word you wrote about not having made a penny off the American Agencies victims.
The proof is in the pudding: You have done nothing but advertise your credit repair service.
You have NOT provided me with an affidavit to be used in court or done ANYTHING to assist with getting American Agencies shut down.
You have not provided ANY useful information to anyone. I.e. no web site, NOTHING!
I'm sure that you're involved in something unethical if not illegal.
WARNING TO ALL READERS: When you see someone like this slimebag who claims to want to help you, but has absolutely NO credibility, you are likely to set yourself up for major problems.
NEVER NEVER NEVER provide people like this scammer with any of your identifying information.
Am I making myself clear????
There are warnings about these fraud artists all over the news, they pretent do be your bank, PayPal, Ebay or someone who wants to send you millions of dollars.
Don't be STUPID! They're all frauds. Reputable companies and people have websites. You want to check to see that the sites are registered in the US and by the company they claim to be as a first step.
NEVER rely on fake testimonials like this guy's "Michelle" had posted here.
Here's his advertisement in an Iranian paper:
$425 for credit repair! Notice his ANONYMOUS e-mail at Yahoo. That's another fraud telltale sign. Reputable people don't use anonymous email addrasses.
Another ad at http://www.freegaragesale.org/homebased.htm
Jul30-Northridge CA Epicenter Credit Repair Service C/O David Cyrus Koupai P.O. Box 7153 Northridge, CA 91326 Tel: 818 363-3871 email epicentercredit@yahoo.com Credit consulting, analysis, restoration, and consumer advocacy. Bad credit? Call today Cyrus Koupai cykoupai@yahoo.com
And here is another:
http://www.homeownernet.com/chat/realestate/messages/1284.html
Note that there is no web site about his lawsuit against World Savings. Everything you he does is nothing but slimy advertising for credit repair.
I know it's really hard to figure out who you can trust anymore, but don't ever contact someone like David Cyrus Koupai.
And here's my challenge to David Cyrus Koupai:
Sue me for defamation!
My address:
Christine Baker
989 So. Main St. A-150
Cottonwood, AZ 86326
I'll make it even easier on you, you don't have to serve me. It won't even cost you a stamp.
I'll accept the waiver of service by fax to 571-222-1000.
I want to know exactly what it is you do and why. There really are only 2 possibilities: you're a scammer, or you're the stupidest consumer advocate on the planet.
And you may have noticed that I did post your address for your services. That's because now you're on my shitlist. If you don't sue me within 30 days, I will assume that everything I alleged here is true. And then I'll post a reply to your ripoffreport.com advertisement.
I will also ask American Agencies in discovery about you, who knows, you might just be on their payroll - it sure is odd that you focus only on them. If not, I might just subpoena you. I understand that I can do written depositions and I've got a lot of questions for you about your activities related to American Agencies.
And finally, my discussion here with you is over. You had plenty of opportunity to detail your consumer advocate activities, but obviously they don't exist.
Please don't post here anymore, from now on we will communicate in the legal venue.
Future postings are subject to a $50 handling and deletion fee.
YOUR POSTING PRIVILEGES ARE HEREBY REVOKED!
Posted by: Christine at June 4, 2004 07:01 PM
Apparently Cyrus Koupai's English skills aren't so great.
He keeps posting, I think I have 4 postings at this time. That's $200.
You've got my address, Mr. Koupai, and the $200 are due now.
I own this site. I pay for it. I make the rules. And when I tell you that I DO expect payment, you should know that I'm not kidding. I've sued for less.
Posted by: Christine at June 4, 2004 10:29 PM