Author Topic: PSA: Don't swipe recklessly for others  (Read 243602 times)

Offline rileywiles23

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Re: PSA: Don't swipe recklessly for others
« Reply #2655 on: February 26, 2019, 01:22:22 AM »
What can Transmedia do that merchants and corporations can't do?
If people would know what/how they dispute they'd all do it. 
Life is as good as you make it...

Offline cmey

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Re: PSA: Don't swipe recklessly for others
« Reply #2656 on: February 26, 2019, 01:29:03 AM »
What can Transmedia do that merchants and corporations can't do?

http://tranmedia.com/ite/why-choose-us.htm

Apparently they know all the loopholes and are super aggressive.
« Last Edit: February 26, 2019, 01:39:17 AM by cmey »

Offline ExGingi

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Re: PSA: Don't swipe recklessly for others
« Reply #2657 on: February 26, 2019, 01:48:53 AM »
There is someone in B.P. someone Whos last name starts with a P. . he supposedly helps people to get out of messes like this . although I heard good things about him. I have reason to believe that he works with transmedia hand in hand.
Last week (I believe it was) Wednesday there were a bunch of people at Mr P. House wanting to get advise how to proceed In this stricher case, in the middle of the meeting burach K. from transmadia walked in and tried to convince everybody not to dispute but to work with him. Obviously because it makes his work harder. ( wondering how dis Burch K. Know of this meeting that night)  Beaware he works for the merchant in this case its stricter. Not for the card holders the victims.
 by the way he charges 30% of the recovered money.

People go get professional legal help. maybe form a group and work together with a lawyer.

I cannot comment on most of what you wrote, but I can share whatever I know about Mr. P.

I don't know when Mr. P. started helping people with legal/financial problems, but I assume it was when the financial crisis hit in 2008. When I first met him, he was still operating out of his living room, nothing like what he has going on now twice a week in his basement.

Essentially, he is a good man, with knowledge and experience. And he tries to help (and has helped) countless people navigate their way out of debt, judgments, etc.I have no idea what the numbers are, but I wouldn't be surprised if it's it's over $100MM in debt that was eliminated with his help over the last 12-13 years.  I have referred some people to him, and he has referred some people to me when I was helping people with mortgage modifications during the HAMP/MHA years.

As more and more people came to him, with ever more complex situations, his operation evolved (and is probably always evolving), with attorneys working with him (being paid by the customers - but often with their fees bargained down by Mr. P.).

I think an important part of his work is his charming personality. People come to him in desperation, and he calms them and gives them hope. One cannot downplay the importance of this. A person needs to be in a healthy state of mind in order to dig themselves out of a hole.

The second part of his help is his understanding of the legal system (at least as far as it comes to debt collection). People in debt are afraid of losing their assets, having wages garnished, etc etc. The reality is, that if one understands the world of debt collection, in most cases (bar those cash advance companies that have you sign a confirmation of judgment in advance) if one doesn't just ignore the debt collection attempts, but rather handles them with a thought through strategy and plan, one can usually settle (unsecured, and sometimes even secured - as we have seen with mortgages) debt on favorable terms.

A vast majority of judgments obtained in the area of debt collection are default judgments. Debtors ignore the summonses, and a default judgment is granted. Whenever that is not the case, as the more the creditor sees that they may be dragged into court over and over, the more eager they are to settle. And the courts usually try to help the debtors negotiate a settlement. The key is to put emotions aside, go in knowing that you have nothing to fear or lose, and stick to your position with a lowball protracted settlement offer (for example: I'll pay 5% now, or pay 25% in SMALL, manageable installments over as many years as it takes).

In the early days Mr. P (or a paid assistant) would write an answer to a summons and complaint, and even file it in court personally for people. As the volume grew, that became impossible. Various lawyers work with him (it's a great way to get clients) and do the work for the clients (though unlike Mr. P. they don't work for free).

Obviously, these cases are more complex than just a person getting over their head with debt they can't pay. I don't have the knowledge or experience that Mr P. has. But I do believe he would try to work things out for the little guys, to the extent he is able to. It's definitely worth it to talk to him and hear his advice (which might evolve as he learns more about the cases).
« Last Edit: February 26, 2019, 02:06:12 AM by ExGingi »
I've been waiting over 5 years with bated breath for someone to say that!
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Offline ExGingi

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Re: PSA: Don't swipe recklessly for others
« Reply #2658 on: February 26, 2019, 01:55:12 AM »
http://tranmedia.com/ite/why-choose-us.htm

Apparently they know all the loopholes and are super aggressive.
Seems like they do for businesses on the charge back side, what Mr. P. does for debtors on the collection side.

This is what might make these cases more complex, there are two Yiddishe sides here, working with "self-proclaimed dispute-gurus" (to use Transmedia's term).
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline Yehuda25

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Re: PSA: Don't swipe recklessly for others
« Reply #2659 on: February 26, 2019, 01:59:24 AM »
Sounds like a movie
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline bestwatchman

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Re: PSA: Don't swipe recklessly for others
« Reply #2660 on: February 26, 2019, 03:52:23 AM »

Offline joeb1

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Re: PSA: Don't swipe recklessly for others
« Reply #2661 on: February 26, 2019, 05:58:07 AM »
Sounds like a movie

Unfortunately it’s peoples lives

Offline Menachem613

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Offline churnbabychurn

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Re: PSA: Don't swipe recklessly for others
« Reply #2663 on: February 26, 2019, 07:08:45 AM »
Here is a little update. Did alot more digging recently. The whole story about S**** Credit card processor getting frozen is a lie. He just decided that he had enough of the Ponzi scheme and didn't want continue this, and decided to bust out. He's still doing sales and, his processor is doing just fine. Hes sitting on millions of dollars of inventory that he continues to sell on Amazon. his store name on Amazon is Super deal ( wonder if there is a way to alert Amazon about what he did)
And just using whatever money he can get his hands on to retain legal help to cover himself. In addition he used people cards without permission
How does he sell Fitbit?
« Last Edit: February 26, 2019, 03:36:38 PM by jj1000 »

Offline PSA

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Re: PSA: Don't swipe recklessly for others
« Reply #2664 on: February 26, 2019, 07:28:51 AM »

Offline Mordyk

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Re: PSA: Don't swipe recklessly for others
« Reply #2665 on: February 26, 2019, 07:41:00 AM »
Mr. P is a great guy. A real baal chesed.  I know firsthand a few people he helped free of charge.

Offline Chief Rabbi of New York

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Re: PSA: Don't swipe recklessly for others
« Reply #2666 on: February 26, 2019, 07:41:42 AM »
No idea. This is the link to his store. https://www.amazon.com/s?i=merchant-items&me=A3ACUPJ4C2HX16

Why doesn’t everyone write bad reviews and mess up his amazon account
Show Some Respect for Me, I am The Chief Rabbi of New York :)

Offline ExGingi

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Re: PSA: Don't swipe recklessly for others
« Reply #2667 on: February 26, 2019, 07:42:30 AM »
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline ExGingi

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Re: PSA: Don't swipe recklessly for others
« Reply #2668 on: February 26, 2019, 07:44:13 AM »
Why doesn’t everyone write bad reviews and mess up his amazon account
And what is the Chief RABBI of NY's Halachic justification for this? Let alone any logical reasoning.
I've been waiting over 5 years with bated breath for someone to say that!
-- Dan

Offline sky121

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Re: PSA: Don't swipe recklessly for others
« Reply #2669 on: February 26, 2019, 07:48:07 AM »
Most people swiping had no clue there was any risk at all.
This has been said before and I think it's so true.

People don't know their are risks, or are too trusting or don't think about what they would do if things went wrong.

And while I don't think everyone who was/is part of things like this has a gambling problem - I do think people need a lesson in what it means to not bet more than you can afford to lose.
"Not all who wander are lost"