January 2010      I just read where Hanna is now going by the name of Georgia Receivables with a new address of 2160 Kingston, Court, S.E., Ste. 0, Marietta, GA 30067.

October 2009   It appears as though Fred Hanna has apparently closed the Roswell road office in Marietta. I pass there often while doing errands and there are no cars parked there or signs of activity. I peered through the heavily tinted glass and the place looked empty.  Looks like Fred has packed up shop and moved to other digs.

Fred is likely down-sizing as his accounts have shrunk to a fraction of what he used to handle. He, like most bottom feeders is experiencing belt tightening like never before. Consumers are also challenging his every move, which has led to a thinner bottom line.

September 2009   I have a credit card account with Chase that I paid off in full every month for years. I lost my job and got behind on payments. Hanna & Associates started calling me and dunning me for payment. I had received no warning from Chase that I was being turned over for collections whatsoever. I called Chase and was told that my account had NOT been turned over for collections and that Hanna and Associates WAS NOT AUTHORIZED to collect payment on my account.  These guys are scam artists as far as I can tell.

September 2009   A judge has ruled in favor of J. Frederick Hanna, stating that the Georgia Department of Consumer Affairs is interfering with his practice of law, and he is accountable ONLY to the Georgia Bar:
http://www.wsbtv.com/video/20735776/detail.html
Hanna retained Michael Bowers, a former AG of Georgia to win his case for him. This reeks of cronyism at ALL levels of the Georgia Judicial System. I guess its now up to the FTC to do something about Hanna. IF anything is going to be done at all.

September 2009  I just copied this off of Fred Hanna's blog:  Frederick J. Hanna Court Case

In the latest case against Hanna where a debtor alleges that the filing of a lawsuit violated her Federal rights and gave her emotional stress regarding her unpaid credit card debt, a jury returned a verdict in favor of Hanna. Now the Plaintiff is faced with having to pay Hanna’s attorney fees.  A visit to his website paints a picture of an almost "hero". A visit to his blog shows him as quite the great guy, giving to Make A Wish Foundation.

I hope this guy can be exposed and defrocked or whatever. A class action lawsuit win would be grand and glorious justice for him and all the other blood-sucking, bottom feeding, carrion-scavenging cretins.
 

I'm being plagued by Hanna, Midland, Bennett & Deloney, an attorney named Daniel N. Gordon, and now, it appears I am about to be ordained and initiated into the Fred Hanna fraternity of oppressed and enslaved.

Thanks for your service. I hope there is more that can be done. This has gone on far enough unto far too many people who have already suffered and been kicked down. Most people are probably like me...worked hard all their lives, then due to some unforeseen circumstance, ended up on the wrong side of the collection equation.

June 2009  Court answers question about whether attorney collector is either or: http://www.collectorsexposed.com/forum2/index.php?topic=114.0

May 2009   Fred Hanna's' office sent a garnishment to my past employer in 2005, managed to use false names from surrounding counties and would not provide any paperwork to me as to validity. My biggest problem was my company felt it was a real, valid garnishment and since it appeared to be a legal document, had to honor it. I even asked them to go to Bud's page and see the rating for them. Needless to say, I lost over $4,000. Now they are back again and trying to collect on the same old charged off account. They thrive on the 7 year old charge offs and are not hired by the actual companies, (credit card or auto loan). Be on the lookout and if you see or hear their name, begin communication with Bud asap. Also, watch your payroll, my current company is receiving 35-40 garnishments a day on our over 3000 employees. Times are tough! But let's make sure they are accurate at least!

Fred is merciless with his own employees - consumers don't stand a chance...

April 2009   Bill Lau, lets collectors that produce say what ever they want to collect money, when they don't produce, they fire them. I was a manager for them!

March 2009   Thanks to everyone who sent in the article and the link on Fred's adventures with the AJC.  If just a tenth of you show up for the hearing on the 30th, that's gonna send one big, big message...

March 2009   Regarding this recent newspaper article on Hanna.... Complaints pile up against debt collectors
By ALISON YOUNG  The Atlanta Journal-Constitution Sunday, March 15, 2009

Consumers complain that a Marietta debt collection firm uses deceit and abusive tactics to collect money, even when it isn’t owed, records show. Enough complained that the Georgia Governor’s Office of Consumer Affairs began investigating last fall. It ordered Frederick J. Hanna & Associates to answer questions about collection practices, consumer disputes and what it does to ensure the validity of debts.
What do you think will happen?

Word from the street is that Hanna may lose the BOA account, that Chase is taking another serious look at him. Both entities are reportedly very unhappy with his inability to take care of business and the perceived public view of him and his business. Fred certainly knows how to screw things up, especially when it comes screwing the public (see this article) and his employees (toxic mold).

I can help but wonder if Fred's best days are far behind him. He lives in a glass fortress, surrounded by security, paranoid of just about everything, pays Bill Lau $300-$400,000 a year to handle his business, which Lau appears to be inept at. Fred may already have become a has been of the collection industry. It will interesting to see what the Georgia Governor’s Office of Consumer Affairs say about his collection practices.

March 2009    I keep reading post that about people who feel they have been scammed by a collector. I feel the need to inform people about this situation.

Almost ALL collectors are scam artist! You do not owe money to ANYONE who is not directly employed by the original creditor!  Most important of all! DO NOT TALK TO THEM ON THE PHONE!!! NEVER NEVER NEVER.

Almost all collectors are get their debt info from the trash cans of banks or other collectors. They use fear to intimidate you into paying them money they are not entitled to.

Question anyone who claims you owe them money. The must mail you validation documents. Make them take you to court. Make sure you show up for your court hearing. 9 times out of 10 they won't show up. You do not owe anyone money unless a court says you do.

They can not have you arrested. Your credit report is not that important (and will fix itself in time).

Most important of all! DO NOT TALK TO THEM ON THE PHONE!!! NEVER NEVER NEVER.

All correspondence must be in writing! The use verbal communication to threaten and intimidate. Many bottom feeders are give up if they can not get you on the phone. I have had 8 of them give up. Only 2 filed in court and they did not show up because they can not validate the debt. If they can not provide legal documents proving the debt, they do not stand much chance in court.

Most important of all! DO NOT TALK TO THEM ON THE PHONE!!! NEVER NEVER NEVER. 

March 2009    Why would Chase and BofA keep using this cretin? I hope their liability insurance carriers are aware of the potential for huge claims.

March 2009    Big Bill Lau gonna beat his wife tonight after that letter from Fred became public.  Just a couple of notes on that:  Mold is always present - damn!  Look at the floor, the air vents, the carpet, the sheetrock and plaster.  Come one Fred, that was bad.  Secondly, invoking heaven's name?  Not a good call Fredrick.  "tendrils holding you to the institution?"  Did ya go drinking with Shakespeare the night you wrote that masterpiece?  Crap by any other name... But my favorite was what you had already highlighted in blue - cripes - it sounds like a World War II Victory speech and only Fred's collectors can defeat the enemy.  Touche!

March 2009    Read the FJH Mold memo -- on the loyalty issue -- FJH employees should consider this:

Does your loyalty include having to lie in court to cover up FJH illegal activities should things go that way? The outrage in this country against fraudulent debt collectors is growing to a level where federal as well as state investigations may be triggered. And if this happens -- are you willing to be loyal enough to go down in flames with Mr. Hanna?

When an employer is contacted by the government (state/federal) about working conditions this is usually the last step in a long process. The process starts with employees complaining to management -- and -- ends with employees complaining to the government -- because management did not address employee concerns. In other words, Mr Hanna was aware of your complaints/conditions and ignored them until the government stepped in. Any employer who is loyal to their employees would taken care of the issues without being pressured by the government. If Mr Hanna expects loyalty, shouldn't you as an employee?

Do you expect him to pay your disability should you become sick/disabled because of the mold?

Considering how Mr. Hanna has treated his victims -- do you really expect him to be loyal to you as an employee?

I could go on and on -- but consider this, loyalty goes two ways -- it is not a one way street as I suspect Mr. Hanna thinks of it.

March 2009    Any word out there on the results of investigating of this FJH co? I read that the black mold issue has not been taken care of. How are those poor workers able to hang on if there is black mold to deal with?   Not to sound too crass, but we're betting Fred's going to 'hang them out to dry..."

February 2009    I was contacted by Fred Hanna 3 years ago in 2006 about an MBNA card number I have never had. I responded asking for validation of the debt. No response from Hanna. I kept their letter and my letter requesting proof. In late 2007 (one year after Hanna), I was contacted by Portfolio Recovery Associates and disputed the debt again. Same card number, not an account ever in my possession or used by me. In early 2008, Portfolio contacted me again and I demanded proof of the debt via US Mail. I received returned receipt certification signature cards from the US Post Office for both instances (late '07 and early '08) where I replied to Portfolio via US Mail with a dispute and demand for validation of the debt. This proves they received both of my requests. The harassment stopped for 14 months and... Now in 2009 (3 years after original Hanna contact), Phillips & Cohen are contacting me asking for me to settle a debt owed to Portfolio Recovery Assoc. and stating that legal action has been filed. I have now sent a letter demanding proof from Phillips and Cohen via US Mail for proof of the debt. I also included copies of my previous letters to Portfolio and copies of the certified mail signature cards. The card number on their mail is again not a card number I've ever possessed or used. They are now calling my home. My letter to Phillips and Cohen was mailed late this past week via certified, returned receipt US Mail.
I'm not sure of the statute of limitations but this is 3 years of harassment and my demands for proof have been ignored. Each time, some time passes and I'm contacted by another agency. How long will this continue?
I've checked my credit report sinced this latest contact by Phillips and Cohen and Portfolio Recovery has been reporting this debt for over one year although it hasn't caused me an issue in purchasing anything. I didn't realize it was on my report. I guess I now need to contact the credit bureaus.
If anyone else has had a similar experience, could you help me figure out what to do next?

February 2009   Good news, yes I have also heard that the state of Ga, as well as the OCA, and ftc are looking into this awful excuse for a co. so we will see. as far as you poor people who have to work under such conditions, I think of the Vietnam war where u.s. captives had to live in cells where raw waste, and filthy water was rampant. Can this really happen in today's society. My heart goes out to you all. hang in there.

February 2009   Yeah a hygienist did go into the building,and yeah they did find mold and guess what we are still here. I understand the lawyers, the insurance company got this mess stalled  in court while the sick employees  are  sit on the side, unable to pay for the basic living expenses much less for the medical care needed to get them back in the workforce. Big companies suck, this company sucks...ya know the man in charge won't pay for these employees to get better (WHICH IS ALL THEY WANT) (BELIEVE THAT IN THIS DAY AND AGE: FRED HANNA SHOULD BE SO LUCKY) but let the building be evacuated for a sulfur problem and he is on top of paying med expenses for any employee that needs to go out of his own pocket... Sure I'm a hypocrite, i go into this place everyday to work, knowing what's in here , I need the job.... But that doesn't give the man in charge the right to take advantage of his position.. HE SHOULD DO THE RIGHT THING!!! people are sick, some can't work , what do think happens in time without money. no home, no car , no food, no meds, and is that right!! and for what ??? WHY ISN'T ANYTHING BEING DONE???

February 2009   Here is Contact information for 20/20 ABC news. ABC News att:20/20 7 W. 66th ST New York NY 10023    NBC News ATTN: Dateline 30 Rockefeller Plaza New York, NY 10012  Lets contact as many news outfits as possible.

February 2009   well today I attended the calendar day proceedings, and our Mr. Henry was a no show. In fact of all the individuals on the list, who were supposed to be there regarding this Dennis guy, I was the only one that showed up. guess there is a continuance until sept. so I once again sent a certified letter to this man informing him that due to the fact that my only income is ssi and social security, I am judgment proof. I also informed him again that certified letter had been sent to my bank.

February 2009   Thanks Mr Hibbs for all your help with our situation here at Hanna's. Just wanted to let you know that George Smith is nothing more than a collection manager .The only reason he is even employed there he is the former Texas A&M player and Bill Lau thinks he is going to train his lazy son and George has promised Bill Lau that with his connections he can get his son a Football Scholarship. Will never happen ,lets just say the apple does not fall far from the tree. George Smith is just another ass kisser and feels he has to treat everybody like crap just to please Lau.

February 2009   A blogger claims that Fred Hanna and associates is under investigation by the Governor's Office of Consumer Affairs hares a copy of the post. Fredrick J. Hanna is under investigation by the state of Georgia, who you need to contact is:  LaShaun Phillips  Investigator 2 Governor's Office of Consumer Affairs  2 Martin Luther King, Jr. Drive   Suite 356   Atlanta, Georgia 30334   Office: (404) 656-1752   Fax: (404) 651-9018 Email: LaShaun.Phillips@goca.ga.gov  The more input the state gets the more likely they are to both investigate and litigate against these weasels, so send them letters with your experiences.

February 2009   I had one further question regarding my calendar date. I was told by the GA. legal services that credit cards have a sol of 4 yrs. I went to a legal website, for GA. and this was verified. Since this is true the sol for this old debt was 11-08. I intend to take this information with me also. Also I had received just through regular mail some copied forms entitled admission of facts. Ga legal services went over these with me, and due to the fact that there was 30 days to get them to this Dennis guy, Ga. legal services said it would not be necessary to do so until the 30 days is up. I did not trust this co. to send them right back before the calendar date. I hope things go as planned, but at any rate, I have done everything I can, but I will say this Bud, you have educated so many victims of this awful disgusting co. thanks

February 2009   Fred finally let the attorneys and inspectors in last Friday.  An industrial hygienist - not wearing a short white skirt like I would have hoped, but oh well!  Hanna had been trying to block these guys legally.  Let's see what the cleanup involved: HVAC unit and all duct work replaced.  Sheetrock removed, replaced.  Carpets cleaned.  But there's still mold.  No proper mold remediation.  Roof still leaks.  Crap creek is still down the hallway, running wild, running free.  The smell only gets moderately better when Bill Lau goes out to smoke.  Oh - he's a little miffed about the picture - but we think it makes him look better than real life...

February 2009   I work in Saint Louis area & this is my first time going on the web site. I have done collections for a long time & have never heard so many BAD things about a company, but I have learned one thing is that I PRAY everyday at work because I treat people the way I want to be treated I have never tried any tricks on people because that what they are (HUMANS) and I am sure they did not ask to be in a situation where they could not pay there bills. After hearing this what do a person in my situation do I need my job I am 48 years old & it hard to find another job  

February 2009   I'd hate to be a certain city councilor owning a death trap in Marietta Georgia.  

January 2009   sounds like things are getting a bit smelly at this place. My heart does go out to all employees there, because I am just getting over the same symptoms described by someone who works there. don't know if I should contact someone or not. you see this nasty place has mailed several letters to my home, and yes they were opened because I wasn't aware of this awful mess. what to do now. any suggestions? for all of you who have been let go at this place, count it a blessing, and you will be blessed with a GOOD and reputable job.

January 2009   If only someone had copied and pasted William Lau's craigslist personal ad (dated Jan 24, 2009) that contained nude pictures of his 400 pound wife and face shots of him (yes, I said FACE PICTURES)... MW4MW (couple looking for couple). Does Chase know about this?  And yes, he is aware that many employees circulated this news. For the record, FJH made him remove it from the site.....At what point is your 380,000/year salary manager held accountable for his actions? He steals money (If FJH gives him cash for incentive contests, he pockets the money), he has logged 30 hours per week on porn sites (that WERE monitored by FJH and his IT department), he lies, he works until 3:30 and not a minute later, he degrades his employees, he just did a mass layoff (unjustly) that has caused many pending claims hovering over the EEOC, and the list can go on... I agree. He has something on FJH that causes this behavior to be accepted and ignored.  We've heard some odd rumors about Hanna that would explain all this, but we can't get any confirmation, so...

January 2009   Here is contact info for 60 Minutes. I bet they'd love a story like this with the economy the way it is.
60 Minutes   524 West 57th St.   New York, NY 10019  EMAIL: 60m@cbsnews.com   PHONE: (212) 975-3247 Someone who has been poisoned should call.

January 2009   I understand that the newspaper as well as a local television station has been asked to look into this mold situation. I sincerely hope the best for those poor individuals that only wanted to earn a living. they weren't aware of the facts that have been coming to light these past few weeks. my heart goes out to them. them. Keep this company on the run Bud, you are a god send...  We understand there was a methane gas emergency in the office on Thursday causing 911 and evacuation. 

January 2009   here is a little info -- have emailed WAGA FOX 5 news ATLANTA. perhaps once they get a SMELL. of this story, they just might run it on the 5-12-6 and 10 pm news. maybe this will bring mr Hanna out of his home to face the news cameras and answer those tuff questions. maybe if some of the employees would do the same and email or call ALL the news stations in metro Atlanta, may be this will be the death nail to the Hanna operation and will make him face up about his toxic operations.  (We understand CNN and MSNBC have been tipped off too...)

January 2009   Chase should pull a credit report on Bill Lau.

January 2009   I am needing to know what the sol is for credit card debt when there is no signed contract. this would be for the state of ga. this is I believe an open end contract. thank you so much, and as far as fjh is concerned lets keep the pressure on, and band together. I cannot believe they get such thrills out of harassing senior citizens, guess I was brought better than that. then again maybe some people really raised by wolves

January 2009   I am wondering if this co. even sends their supposed lawyers to these court proceedings. or do they just simply cop out and phone in their information? on the other hand if that questionable place is full of toxic mold , maybe that would be better ,cause I am already sick, and yes I have received much mail from this joke of a place.

January 2009   Okay I have looked up some information on this black mold situation. first of all, there is information from the CDC that black mold can cause infant death due to respiratory bleeding, also trying to determine if it can cause miscarriage, so my question is, what about these employees, who are female and maybe expecting, and working in this horrible environment? What can we do to help them?

January 2009   Just wanted to alert the 60 minutes crew - come in the back door by the old ceiling tiles - and you want to catch chubbles - wait until he's back from St. Louis...  This place is folding like a cheap suit...

January 2009   I have been wondering if the United States Postal inspection service has ever been made aware of what's going on down at the Hanna operation due to that fact that mold is being sent though the US Mail. That's a rather scary thought. Not just that but any non related Hanna mail that gets processed though the Atlanta mail processing center might also have mold on it. From the Hanna Mail being mixed in with it. It's scary that possibly the entire postal system might be infected from the mail Hanna sends out that get's transported to other processing centers. Even Postal employees might be at risk. I feel if this is true that indeed mold is present at the Hanna OPP that readers that receive mail from them and get sick should also contact the USPS. I'm sure they would love to conduct a huge investigation into Lou and company.  Someone below wondered the same thing...You guys are preaching to the choir - has someone alerted the USPS?

January 2009   I am writing as I have been paying Hanna & Assoc (the mold guys., Oh My God) for a year now and besides one guy being super awful it has been ok but I am concerned after all I have read and need advice.  I had a 2400 debt to Chase (not incl 1000 in fees and interest they tacked on). I paid Chase for a year and it barely made a dent (maybe 250). The entire remainder of the debt is fees and interest that I have already paid off a 3rd of. I wish I had been able to do more homework before I got into this! I am scared right now, no joke.

January 2009   I am reading a lot from those writing in about this toxic mold. I am very concerned, because number one. while being sued for a debt that is 7yrs old, and only income is social security, I now have to worry about this mold situation. You see I have autoimmune issues, and am on disability because of this. No joke, I am not feeling well at all. I keep getting mail from this awful place. what should I do. Do I bring this to the attention of the legal services that are reviewing my case? Your social security income is exempt from seizure. Contact the legal department where you bank, alert them that Hanna is threatening legal actions and your sole source of income is from social security. That way your account can be flagged so that Hanna will never be allowed to touch your money. Keep copies of letters, send them certified mail, keep the receipts. We strongly suggest that you contact your local health officials, as pictures sent to us by Hanna employees clearly show an office where things are not right. The employees are wearing surgical masks while working. The CDC letter on our site is legitimate. Chase Bank is aware of this problem and this is fast becoming their PR nightmare.

January 2009   I have just read on the net where you can actually die from toxic mold. What do we do with all the mail and papers from this company? I am on disability with autoimmune issues, and now I have to worry about this stuff maybe being brought into my home through this company. First of all you get sued unjustifiably then you have to worry about this mess. what do you suggest we do?  Handle with gloves - drop it into a plastic bag and return to sender??  Is there a doctor in the house who has the answer to this?

January 2009   We were reading up on the toxic mold situation - it doesn't just go away - and thinking back on the 2001 Anthrax mail scares, thought it would be a good idea to suggest to your readers that they should call the US Postal inspectors and have them get involved.  Knowing sending dangerous toxics through the mails? - wouldn't that be considered hazardous?  What corrective actions has the Director of Operations taken has he has personal knowledge?  Just wondering who's asleep at the switch besides CHASE.

January 2009   Thought your readers would like an update on this third party collection agency. The newest tactic is to file a suit to compel arbitration. Also for your Texas readers, Hannah is not bonded by the Attorney General to collect debts in this state.

January 2009   I received a threat letter from Frederick J. Hanna and Associates on a debt that I owed from Bank of America. The letter gave me 30 days from the date of the letter to contact their office or face legal penalties. Last night I also received a telephone call from them. Because I am now working in a decent job for the first time in three years I figured that I would try and set up a payment plan with them. So I sat down, figured out what I could afford (a decent monthly amount) that would get me out of debt in about a year. When I called I was forced to go through a series of questions on my income and expenses, which I had no problem telling them, and it showed that I have about $400 a month that I can live off of - and I offered them $100 of that towards the debt. They came back with a settlement offer, but would not disclose the monthly amount due for the agreement until I agreed to the offer. So I ran the numbers quickly and had I agreed to their plan, I would have had roughly $50 per month to buy food and gas, so I told them no deal. They accepted my offer, and assured me that I would not be getting calls from them as long as I kept current. 6:39PM tonight, I get a call from their office -

January 2009   These wonderful folks call my mother on a daily basis. At first, they wouldn't leave any messages, but then started prying for information by lying. They usually say either my phone was not working or implying they were trying to check on my welfare. Of course, I refuse to give them my telephone number and promptly sent a cease communications letter. We'll see what they do.                    Just hope they don't send you any toxic mail...

January 2009   Thank you Mr. Hibbs for all your helpful information ,I will be disputing  this I will not deal with Hanna, I do not want my family having any sort of exposure to mold my son has asthma and allergies he gets sick very easily. I did call my sons DR he did tell me that yes mold does travel and to make sure any mail received by that company to make sure that mail is handle w/gloves then placed in trash outside home. The first gentlemen I spoke to was very nice he just stated after Chase accounts were forwarded to their office he could no longer make payment arrangements. He said that he spoke to Bill Lau and was denied any arrangements.   Environment the mail comes from : Sick Building Syndrome

January 2009   Did you guys know that the smell of money smells like sh#t, it does in Fred Hanna's office. All week the office smells of sewage again, and on top of that heat is out on our side.Today 10 degrees outside no heat not only do we have to wear our mask we also have to be bundled up in hats scarves and blankets. We have reported to management many times over the week .Still not fixed. What will it take to get this office to shut down. I do not blame Chase customers for not wanting to pay bills that have been forwarded to our office, this place is disgusting. Unfortunately I still have to sit here in this place for I do have a family to support. The job market not going very well here or anywhere....Thanks Bud maybe this sight will give Fred Hanna a reality check.

We are told that Bill Lau is the whale responsible for the problem, that Fred is home hiding behind his gate, (as usual.) Do Fred & Lynn L. Hanna care about those who send them the blood money to keep up their opulent lifestyle at their Lower Roswell Road, Marietta, GA mansion? Does Chase Bank really want their reputation flushed in the Hanna toilet where disease, mold and toxic germs are infecting employees, affecting their health, lives and that of their families? Is the money worth this kind of pain and suffering? Why won't Fred take charge, get Lau off his blubbered butt and handle this matter? Is he earning the $380,000 that Fred pays him just to make so many people sick? Chase Bank did have a decent reputation, too bad they picked Hanna as their collector of choice. Soon…pictures of the Hanna Mansion (you won't believe how Fred & Lynn spend their blood money), Bill Lau and the disgusting office where Hanna employees are being made sick from toxic mold. HANNA COLLECTORS: KEEP THEM COMING, WE ARE GOING TO PUBLISH PICTURES AND EMAILS, WE WILL NOT RELEASE YOUR NAMES. AMERICA: HANNA/CHASE COLLECTION LETTERS MAY CONTAIN TOXIC MOLD DO NOT EXPOSE YOURSELF OR YOUR FAMILY TO POSSIBLE TOXINS.

January 2009   ok i have a question, if the Hanna operation is so toxic, and they are mailing letters out of that office, and if that letter was to arrive and you open it and get sick, could you sue Fredrick J Hanna & Assoc. and CHASE for damages to your person health such as medical bills and personal damages? one would think that this would be so. from reading all the comments a really good personal injury lawyer would just LOVE to have something like this come across HIS desk. the workers should look into something like this if Fredrick J Hanna & Assoc. are not willing to play for employee medical insurance. I KNOW I SURE WOULD! also a phone call to WAGA or any of the local TV stations in Georgia would also LOVE to run a story about this!

January 2009   Our office got all dressed up today for a visit from someone - not sure who - but it never happened.  I was sure hoping it was gonna be the Feds to call time of death on this place, but not yet...Oh - and Lau doesn't think that's him...

January 2009   Yeah, "Lousy" that's a nice nickname.  BTW - lose the facial hair.  And it looks like you thinned him out.  He should be crying Uncle soon.  Hey, maybe if you did a google image search for the Austin Powers character "Fat Bastard." you would have a current picture.

January 2009   If Fred Hanna is so worried about his PR problem why doesn't he make some sort of effort to resolve the problems at hand. Time to clean house, take out all the trash starting with stinkiest bag of $@%!.. Bill Lau. Fred Hanna needs to make some sort of statement to the Public and explain why he has allowed that man to run his company into ground, that is such a shame that employees are forced to work in such unsanitary conditions. He could have broken the lease at anytime. Seems that Hanna is afraid of the public, Bill Lau and the owner of the building Phillip Goldstein (Marietta City Councilman). GROW SOME HAIR ON YOUR BUTT MR. HANNA be proactive yourself, that means do not depend on what others are telling you and FIX this yourself. Everyone one knows that Fred is not hurting even in the current economy take the trash out AND get these employees out of that building. We are tired of being Lau's puppets. Lau's current position is to create a very unpleasant and a very hostile work environment and to play on the internet all day. It sounds like someone should alert Councilman Goldstein to the filthy environment there.

January 2009   I'm reading everyone hating on Fred Hanna - he used to be a great guy - in fact, he probably is, he's just so hands off these days letting William Lau run everything (into the ground) - so you guys back off on Fred.  I think Bill must have pictures of Fred with hookers or something.  there's no other explanation for him keeping this POS on board.

January 2009   Have you ever heard of Hanna or any of his subsidies applying for phony credit cards in the name of debtors? Hanna pulled my credit report and 5 days later I got a letter from Discover card thanking me for applying for a credit card? The very outdated info on the app is the same info as reported on credit report... Seems fishy, wanted to know if you've ever heard of this. Seems to me that if someone wanted to use my info to get a card to use, they would have had it sent somewhere besides to my actual physical address, unless they wanted to persuade me to pay them with said credit card? If you suspect Hanna of fraud, you might wish to file an ethics complaint with the GA bar.

January 2009   You may have to clean this one up before it hits your site but f027!  That SOB Lau is barely in our office long enough to let the piss and vinegar of his cologne overpower the air vents and we're down a manager - at least one - maybe another - and not the ass-kissers either - the actual decent guys taking the hit.  He's bragging to us he takes in close to half a million a year for keeping us in line - you watch how that bastard takes a hit when that money's no longer coming in.  Everyone in STL is going to drop him in the grease, and if Fred would take a tenth of that and put toward the health problems and get some decent collectors back in here, we could be a business again instead of a laughing stock.  Willie Lau - try on this target shirt...  Fits pretty good, huh?

January 2009   Thanks Hibbs.  Because of your site, we've got that idiot Lau visiting our offices in St. Louis making everyone's life hell.  It smells bad enough up here without his elfin magic micro-managing every little detail.  We got pulled off the BofA accounts - at least they were producing - to doubletime the Chase defaults.  Oh, and don't expect Chase to care too much about the situation in Marietta - after all, the dollar is still King.

January 2009   WOW. P R IS MORE IMPORTANT THAT ONE'S HEALTH. THAT'S GREAT MR HANNA, NICE TO KNOW YOU CARE SOOOO MUCH!!! WHAT HAPPENED TO YOU. I HEARD YOU USED TO CARE??!!! GET OFF YOUR HIGH HORSE AND CLEAN HOUSE MR. HANNA. I BET A LOT OF YOUR PROBLEMS (EEOC, FDCPA, OSHA, LAWSUITS) WOULD GO AWAY!! START WITH LAU AND HIS CROOKED WAYS.. WOULDN'T IT BE NICE TO JUST BE KNOWN AS A *&#@! COLLECTIONS BUSINESS AGAIN INSTEAD OF A PR NIGHTMARE?!!!!  SIGNED.SOMEONE WHO KNOWS THE TRUTH!!!

January 2009   I am a  single mom getting harassing calls from Hanna for several weeks, and I received a letter last week from them.  My son usually checks my mail he has been sick for few days wonder if he should be checked as I have read that mold can be absorbed through skin very scary. What should I do? Why can't Chase Hire a reputable company to handle these matters I have read that there are many good collection agency hopefully ones that are not exposed to mold. Does Chase not realize that exposure to mold is a very serious matter I have also read that mold can cause Cancer, miscarriage, sinus and lung problems. I admit I owe a portion of the Debt, just do not  want to deal with Fred Hanna for I am concerned about my family being exposed to mold. I did try to call CHASE and was advised that I would have to deal with Hanna, is there anything I can do, I want to pay my bill just cannot afford to pay all at once and William Lau refuse any type of arrangements other than payment in full.  You might contact the Georgia State Department of Health and your local CHASE office. 

January 2009   Thanks for all your insight on this company. Just received letter regarding my Chase account I will be disputing this bill many fees attached. I thought CHASE BANK was a reputable bank, guess not if they are going to allow Frederick Hanna and I guess William Lau handle their accounts. Scary that people like this have all our personal information think of what a scumbag like them could do with our SSN, failing drug test clearly allowing their employees to work in hazardous working conditions and someone stating he is more worried about the Public Relations rather than the well being of there employees. It is appalling that CHASE WILL STANDBY AND ALLOW THEM TO HAVE OUR PERSONAL INFO ESPECIALLY AFTER THE CDC REPORT .THANK YOU VERY CONCERNED CONSUMER. Should I call CHASE with my concerns?  Why not let CHASE know the quality of collection agency they've chosen to be their front?

January 2009  I am being sued for a 7 yr old debt on a credit card with a limit of $200.00 of which all but $50.00 was paid. I and my husband are on social security, and Dennis Henry with Frederick J Hanna has filed a lawsuit . I am 65 and on disability, the only money I have is disability and social security. also my husband is retired, and receives social security. Please offer some advice, I have sent letter to these people informing them of my situation. are my monies protected under social security laws 207? please help.

Surely Dennis Henry is not stupid enough or desperate enough to take your social security income. Are you aware that social security income is exempt from seizure under federal law? I am aware that Fred Hanna's employees are known as vultures but even Dennis Henry knows that he cannot get his debt collecting hands on your social security money. Do Fred and Lynn Hanna need your money that much for their extravagant lifestyle? We have pictures of their house and believe me, they live like Wall Street Bankers in their Marietta, GA Castle. Would you like to see a picture of their home? It even has a moat around it. You are being referred to a GA attorney who can assist you with this matter and hopefully make Hanna pay for trying to take your social security income to pay his bills. Let's hope the attorney can also get you some form of monetary settlement that compensates you for having to deal with these parasites of the collection industry.

January 2009  I, too, have been served with a civil suit from this place. I have no income and have advised them of such. I filed my answer with the courts in December and received a response today. The letter offered me a payment schedule and stated that if they do not hear from me within 10 days they will seek judgment. What is a civil suit, if not an attempt to seek judgment? I guess they can try. I don't see how they can get something from nothing. In the state of Georgia, if I am no mistaken, they can not take anything from my husband as this is a personal account in my name only. WHY WASTE MY TIME AND THEIRS???!!! I guess I'll get to make their acquaintance in court.

January 2009  After reading all of the websites on these people I am extremely grateful I had a intermediary between me and them. As a college student I had a couple of credit cards. Most of the time one, until in my infinite wisdom I decided I needed more... I was fine most of the time until I wasn't paid for a month due to the holidays and I got behind on one payment (of Chase ironically) and they upped my minimum payment and my APR... go figure... well when one payment of that card turned into my whole paycheck I knew I was screwed, and I immediately called a debt settlement company, in order to pay off my debt. Well due to me not doing what I was supposed to exactly when I needed to because I would forget my debt went unchecked for the most part. and I would get calls from the collectors. But I would just ignore them as they were on my cell phone and I didn't want to waste my minutes and I was working with the settlement company... Well I started getting calls from Georgia... sure enough it was Fred Hanna's office, but would they tell me who they were, who they were calling for or even a little bit of why? No. It was just you need to call us back in 72 hours or legal action will be taken. Well I eventually was able to send them a Limited Power of Attorney from the company I was with and surprisingly they haven't called me since and I just paid my last payment to them this week (And it better stay that way too).

January 2009  CHASE is aware of the nightmare Fred Hanna's created for them - if consumers were to call CHASE and complain, I bet we'd get some fast results in this office.  Lau's been told to solve the PR problem first and the health problem second.  Wonder if he can?

January 2009  Here is another address and phone number I was able to find for Fred Hanna  Frederick J Hanna & Associates 56 Marietta St Nw  Atlanta, GA 30303 (404) 736-2057  That's nice, but you should see his house!

January 2009  Well they're asking all over the office who sent the picture of Fred in - he's got momma scrambling through photo albums to find that shot.  The internet's off limits to in house folks except Billy Lau so we have to be brought up to speed after work.  The picture was from Fred's bar mitzvah.

December 2008    Mutiny on the good ship Hanna.  Maybe someone should be asking about the infamous ex Texas A&M player William has stuck halfway up his butt...

December 2008    Just wanted to add my two cents worth.  Times past, when Fred started this operation, he actually cared and treated his people with respect.  Since he's hired Hitler in the guise of William Lau it's been lock-step to lawlessness.  Lau must have naked pictures of Fred with a pony to allow him to run his business into the ground and steal from the operation.  Oh well, taking my $8 an hour - (eight bucks!  William, really?) if I don't' follow blindly and picking up the phone.   Wondering if instead of calling a debtor I should drop a dime to Chase.

December 2008    Fredrick J. Hannah & Associates LLC has been harassing me with many phone calls and letters after a stop calling or writing letter. They claim to be attorneys who are working for Chase. They also discussed my debt with others beside me-my husband who could have been anybody. I doubt an attorney would risk their law license by breaking the law-so I bet that was a lie.

We keep asking ourselves why Chase would allow someone with a reputation as bad a Hanna access to their files and customer base. Hanna can only harm the Chase reputation with their proven history of illegal debt collection methods. Hanna is barely hanging by a thread with Chase as their biggest account. Based on information we received about the growing problems at Hanna that include heavy problems with OSHA, the GA State Bar, toxic black mold and the drug problems in their MO office, we expect Chase will realize that hiring Hanna was NOT a good move. Hanna insider's tell us that William Lau, director of operations for Hanna, completely misled Chase about their abilities, experience and reputation. Chase will soon realize they were caught up in the lies, wipe the egg off their faces and (hopefully) move on.

December 2008    Why would Chase Bank with the reputation it has, hire Fred Hanna to collect their debts? All employees were recently forced to take a drug test, the head shop made a fortune selling powders that masked it. Hanna is a crippled operation, in trouble with the feds for the black mold, has no insurance coverage for their employees, this ain't no drug free zone. Bank of America pulled out because of all the complaints, now Chase is moving in. What a joke. I'm looking for a new job, unemployment is better than working for William Lau at Fred Hanna's office of corruption drugs and disease.

December 2008      Watching how things have changed here - BOA - that account's gone except for a tiny pile, Hess-Kennedy - Nan and Cap One - so long in the new year.  Thank goodness Chase is stepping up to trust us or we'd be closing our mold-invested drug factory.  But on the plus side, with the natural penicillin on the floor, no colds or flu in the building.  All the coughs are coming from pot-smokers.

November 2008      Regarding Fred Hanna, I have some information that might be useful for you. Fred Hanna is running 4 offices out of Marietta and an office out of MO.  There is no attorney located at any of those offices. My understanding is if a sign states Law Offices there must be an attorney present in that office, which is not the case here. All of Fred’s attorneys work only at the 1427 Roswell Rd address, of course in other states he does have co council have work there for over 3 yrs. George Smith AKA. George Hawke an operation mgr who likes to send unauthorized settlement letters to debtors then makes them pay x amt of dollars. He likes to tell the collector to lie to the debtor that the settlement letter they had received was never approved by our client, and cannot settle the acct,, after they had already paid, He then collectors get fired if they do not comply with the operations mgrs demands.  Director of operations William Lau he runs all of Fred’s Offices, although the offices has his name on them he has no part or say what happens there ,He does not care to take time and actually check out what’s going on. Many employees are sick from Toxic Black mold due to the filth in office I have pics of mold on floor and walls as well as carpet samples and also moldy ceiling tile to back this up. Raw sewage floods our collection floor that includes used tampons toilette paper and poop in our floor and still they make us work in that hole.  I am just so frustrated I have contacted OSHA as well as health dept for assistance. The HR Director was supposed to file workman’s comp for several who were made sick, she just keeps replying that Fred says no. So we've retained an attorney-- no choice. We know we may soon be fired and no longer have health ins. but anything we can do to help the other employees there so their health is not affected the way ours has. I think Fred Hanna and William J Lau should have to sit in that excuse for an office for about a year as punishment. Thank you, any help to get this place shut down is greatly appreciated before more employees are subjected to these unsanitary working conditions.  Signed - First Five of Many

Fred Hanna, owner and William J. Lau, Director of Operation appeared to have sunk to a new low (and Fred was pretty low to start) over this one. He and his wife live in a nice home off Lower Roswell Rd., in Marietta, GA that was paid for by the blood money collected by his goons. The pictures you sent showing mold growing in his collection dump and the toilets over flowing is disgusting. How fitting that mold and sewage are befitting to Fredrick J Hanna and his career as a slimy debt collector. I am sending you information for assistance in this matter. Fred will deny having any knowledge of this, which is his typical stance. He will continue to wipe the blood off his commission checks and cash them so he can enjoy all the trappings that being a sleazy debt collector afford him. The American consumer can stop Fredrick J. Hanna and his slimy operation by challenging every single item they attempt to collect. Make them validate, tape collector calls, show up in every court case, hire consumer lawyers to fight his bogus claims. American consumers should force Hanna to spend as much time and money as possible to legally comply with al the law that regulate the collection industry. Hanna has had a FREE ride on consumer coattails for too long, time to hold him and his goons accountable for their actions. Many, many debt collectors who thought they were invincible have fallen when consumers have banded together and said ENOUGH!

November 2008      I recently paid off a Capitol One account to Hanna and Associates on July 18, 2008. The agency that referred my debt to Hanna, Track America on behalf of Capitol One, has not received one dime. I discovered this when I called to see if my money had been applied to my debt on November 14, 2008; some four months after the final payment. While I was on hold with Track America, the rep placed a call to Hanna asking about my payment only to be told they (Hanna) has not collected anything from me, which a flat out lie. I will call Hanna directly today to inquire why they stated this to Track America and find out what happened to my payment. This should be some sort of violation in itself. I reported this too to the office of consumer affairs. I had filed a complaint with the Governor's Office of Consumer Affairs back in December 2007 regarding what I believed were fair debt collection violations against me. The office of consumer affairs finally wrote back to me this pass October to ask for any documentation that I had regarding my complaint. They are now investigating the tactics used by Hanna and Associates due to numerous complaints. That's good news! I sent them everything I had and explained why I felt my rights had been violated. Now, I find out last Friday, some four months later that Hanna has kept the money they collected from me and has not forwarded any money to Capitol One/Track America. What can I do about this?

Nothing about the Hanna operation surprise me, his reputation as a terrible debt collector with me dates back to the mid 90's and is still collecting dirt. Your options include talking with a GA consumer attorney from NACA and filing an ethics complaint with the State Bar of GA at: www.gabar.org/ethics/ A check today showed that Frederick J. Hanna is in Good Standing. Expect to hear every lie and excuse they can cook up, Hanna is someone I have always said should never be trusted. Go after them, make them do what they are supposed to do and hold them accountable for their actions.

November 2008     message from the Shark: I 've allowed the entire year of 2008 to go by with hopes of being able to submit to the consumer a glimmer of hope regarding your debts and your inability to apply restitution, ;hhhaaaa  (sighing) It's recession, everybody's broke, I just came back to give y'all a little hope, minimize overhead cost and extra spending, stay away from loans you can't pay back, stay prayed up, and stay disciplined people, all should be fine in 2009: Mikey Sharkfin:2008: Shalom.  Just when you think the interwebs are never going to be the same...

October 2008    GO TO THE BBB. I did and was returned all $900 they stole from me.

September 2008    This agency is completely ridiculous. I have been dealing with a woman named Kelly Kinsey. At first, she acted very nice and tried to make me feel at ease with her. I explained to her that I had some issues with BOA credit cards in college, and that I was just trying to make it right and take care of what I owed. She told me that she completely understood and that she wanted to help me to get back to where I needed to be with my credit score. Great! I thought, wow, someone here to help me out and make this situation better... Wow was I wrong.. Ms.Kinsey contacted me and told me that I would need to set up a payment arrangement or settle the account. I told her that I would not be financially able to settle for the full amount due, and she informed me that I could set up a payment arrangement but she needed my bank account and routing number, s her office was not "set up" to receive mail in payments. I asked her to send me something in writing confirming our agreement (which is the law) and she said that she would.. That was over two months ago and I have yet to see it. A few days later, she called again, this time with her processor, Josh, who was probably the rudest person I have ever encountered in my life. Josh told me that I would be going to jail if I did not pay this right away and that I needed to take a loan out in order to pay for the debt. WOW! He said that he pulled my credit report and that I have "GREAT" credit, and if he
was a loaner that he would give me a loan... I told him that there was no ay I would get approved for a loan, but he insisted that if I applied to loans and got two letters of denial that he would accept that. When I did  this, I got denied (of course) and he told me that I needed a co-signer. They are a disgusting organization of liars and creeps.

You are not the first, or the last to be lied to and taken advantage of by a Hanna collector. I have always said that Hanna is a snake that would take money from anyone. His collectors lied and misled you so they could get your trust, then take advantage of you. TYPICAL FRED HANNA TACTICS! NEVER give them your banking or credit card information, they will take your money. NEVER trust what a Hanna collector says, tape them or get it in writing.

September 2008     I JUST finished typing a letter of complaint to the Hanna law Firm sealed it with payment #2. Then I stumbled upon your web site!. Wow how futile to send a letter of complaint in light of what I have read on your site. My second mtge was purchased by this thuggish robbing crew and I learned that they had the debt when I called my mtge co to try to make arrangements. I never got a letter or a call from Hanna. I initiated the call and asked for something in writing as to the balance, etc. Ms Cathy Sexton responded with a hostile tone saying "all I need from you is an address." Wouldn't that info be on the debt you purchased. Are they not smarter than a 5th grader.I  asked in this letter for a validation of the debt. Does a complaint to FTC.gov have any merit, do they really address these matters? I would have skipped the complaint as I was thinking it was going to someone who cared how their business was represented. Owing a debt doesn't mean treat me with "disrespect. Perhaps the robbing crew is frustrated from getting there own collection calls when they get home and knowing on their backs Hanna is building HIS wealth.

August 2008     Got a letter from Hanna and Associates. The letter talks about filing a judgment and other remedies. Checked with the Bar to see if they were licensed in my state and they weren't. I filed a complaint for the unlicensed practice of law since they referenced being attorney's and not a collection agencies. I immediately sent a free fax through faxzero.com to dispute the debt as well as mailed a copy to them and ask for validation and told them not to call.

I refuse to talk to them as I have know about their reputation - they are angry and unprofessional. I have heard stories from others that if the collector was a domestic partner she could be arrested for abuse.

August 2008     I just got a call today from Hanna's office. Bud glad you have this website. Rude people for sure. They were calling me about my neighbor who passed away two years ago this week. I had just saw the movie Maxed Out about the credit industry and they talked about calling your neighbors to get them to give you a message. When I told them I did not think they were a law firm that was looking to help the lady who passed away and they they were a collection agency the woman politely hung up after speaking with someone. When I called back another woman refused for me to speak with Hanna or give me their address and they rudely hung up. Called back again and the next party rudely hung up. I will file a complaint with the FTC. This man needs to be shut down and disbarred. I could tell his office was in the south. so thanks for the address.

July 2008     Truly the sleaziest of the sleazy! Twice in the past two years these scum bags have completely cleaned out my checking and savings accounts without my prior knowledge. This was at two different banks, by the way. The second time was today. Ms. Williams screamed at my wife and hung up on her and hung up on her (my wife was simply trying to get details about the recent confiscation.) I have no knowledge of the account they are trying to collect on, as they refuse to send us any substantiating paperwork. I am now afraid to have any bank accounts, for fear they will rob us blind yet again. This is getting old quickly.

July 2008     I have read all the posts and feel better knowing that I am not the only one being harassed by this bottom feeding swap swill. I missed one payment in July 2007    with Bank of America. I think I put up a red flag after I decided to go with a debt resolution program that did not work out for me. On July 20, 2007    I rec'd my first contact that needless to say was not pleasant. I never rec'd the letter that I was suppose to rec'd in 5 business days from them, as a matter of fact I didn't rec'd a letter until Dec of 2007    with a demand for payment. After numerous unanswered calls with threatening messages I stupidly called them and set up a payment arrangement of 100 per month. I requested that a monthly statement be sent to me and since March have rec'd nothing just a letter this month stating that my payment was due and to make sure the funds where available. No amount due no interest rate no late fees nothing!!!!! I have my bank statements that show when my last payment to BOA was and also have paid Hanna about 800.00 to date. I am tired of begging for a statement and I am reporting them to my State AG office and they told me I could report them to the State AG office in GA. I am also sending a letter of validation to them, calling BOA in the AM and reporting them to the Ga BBB. I am not saying I don't owe the debt I do! But am at this point being blindsided as to no knowing what is going on.

June 2008    Hanna & Associates are now working for Beneficial also. I have received several phone calls giving the 866 number stating the the calls were from Beneficial NOT from Hanna's office or that they were from a collector. I had already been making payments direct to Beneficial when I got the letter from Hanna. I responded in less than the 30 days from receipt and I got back a letter accepting my proposal but then making a change to it. I also began receiving solicitation letters from various bankruptcy attorneys in the area. After making one payment directly to Hanna's office per their letter, I was served by my local Sheriff's office. It seems that only 20 days after I received the first letter from Hanna & Associates, they filed against me here in my county. I am now busy doing a response to the service and I am looking into what I can do about Mr Hanna. I have already written to my local Beneficial office to let them know what has happened and to congratulate them for associating themselves with such a sleazy operation.

May 2008    Frederick J. Hanna & Assoc PC has left at least four messages on my phone for my son (who does not even live with me). They have never identified themselves as a collection agency, nor have they stated the purpose of their call. The number they leave is 1-866-306-8250 (the extension number changes every time, of course). If any of you get a call with this call-back number, don't call them back!

May 2008    I have been searching all afternoon for some sort of outlet on this "law firm." Thank you Bud Hibbs!

Background: I am a title insurance underwriter and in the course of my duties I often call collection agents, attorneys, builders, and so forth to obtain up to date payoffs for items that appear as liens on title insurance commitments.

What happened: So being used to collection agents and scum ball attorneys, I wasn't unfamiliar with Hanna when I saw his name as the plaintiff's attorney on the face of a recent customer's judgment. Most agencies and "attorneys" I speak to are all too happy to speak with me and offer up all information necessary to get their money and are usually SUPER friendly and accommodating (Hell, some even outright lie about a person's identity to wrongly demand money from our customer, but that's a different story). So with that in mind - check this out....

Two weeks ago I call the Hanna general number to get a payoff on a borrower's 2006 judgment. As usual with these big collection operations, I have to leave a message. Nothing specific, just that I'm calling for a payoff on this certain customer and to call me back. Nothing for two weeks. Until this afternoon....

The receptionist pages my office and says I have a "Ms. Williams" on the phone. I say fine and pick up. This Ms. Williams immediately takes on a rude tone - not even saying hello and says "so what's going on with that ....... file of yours". I sort of chuckled and upon looking it up, informed her that I still needed a payoff for the judgment and that my waiting on the payoff was holding up the closing (hence, holding them up from getting PAID). She snapped back "WE'VE BEEN FAXING THAT AND FAXING THAT SINCE FEBRUARY!!" (only had the file since 4/28/08). I said that she was going to have to fax it again, that it was holding things up and that I was sorry, maybe it got lost in the shuffle...big office and so forth... So then she states "I CANT FAX IT ANY MORE!"

No really, they're that stupid. No faxed payoff = no Hanna getting paid.

So I chuckled again (I almost thought this was some sort of joke a loan officer or mortgage broker was playing on me) and told her to remember that I was not the debtor and that she didn't need to threaten me or refuse to cooperate to get my attention - that this was a title company and that they would be paid upon the funding of the loan IF we get the payoff...She interrupted halfway through this and started yelling "WHO WAS RUDE TO YOU...WHO WAS RUDE TO YOU...I WASN'T RUDE...YOU WAS RUDE...WHO WAS RUDE TO YOU...I HOPE YOUR DAY GETS BETTER.... click   No, really. She hung up on me. A third party. Not even the debtor...a third party THAT WAS ABOUT TO PAY HER.  What IS WITH THESE PEOPLE

May 2008    Yesterday I received not only a letter from Hanna informing me that they were not only going to start garnishing my paychecks, but had also inflated the original balance of the debt by a whopping $5,000.00. How can this possibly be legal?? I have contacted an attorney who is associated with the NACA, for there is NO WAY I can pay this!

May 2008    I would just like to add to the comments about old Freddy boy!! He is a low life bottom feeder. He put a lien on my house and garnished my wages in 2007    for a 1999 Blazer that I had made 3 years of payments on before my ex-husband was awarded it in our divorce. My ex let the truck get repossessed. Received info from Fred J. Hanna that I owed over $17,000.00 on this vehicle. That's funny, I bought it used for less than that. Anyway, he pulled all his typical lies and said I never contacted him about the letters they sent, when in fact I had and was told all the wrong information to provide them. So, I had to file bankruptcy since the garnishment that was started by him in the county where I work only left me enough money to pay my mortgage every month. Well, two days ago I received a court letter from him stating the he applied for continuing garnishment in the county where his office is located, going through my corporate office that is located in that same county. So I guess Freddy is above the law--didn't really think it was legal to garnish wages on something that was filed in bankruptcy last year. Guess I'll be seeing him in court. I just want to let every one know that if you are dealing with him--DON'T!! Get yourself a lawyer before even trying to resolve anything with them...it will save you a lot of heartache and frustration.

April 2008    WOW! I have never dealt with anyone so rude. By the way thanks for all your comments and reviews as it has helped me in dealing with them and not feeling alone. I have been dealing with George Hawkes, he is a typical scumbag! He calls and pretends to be really nice while trying to swindle money out of me. I had a credit card debt with Bank of America the first one I've ever had. He calls my cell phone a million times, even after I told him I'm at work and can't talk right now. He refuses to send me any kind of documentation in the mail about my debt. He just calls and demands that I send him money right away or he's going to take me to court. At this point I'm ready to just go to court and hope the judge will see what a dirt bag this place is. Yesterday he called me twice at work, I called him back and explained I wanted something in writing, he refused, and then said that my character was in question and basically attacked me, he then said he was writing me off as refusing to pay and I was going to be taken to court and hung up on me! what a jerk! seriously i can't believe these people are still in business. I filed a few complaints, one with the Federal Trade Commission. I also called back and asked to speak to his manager who was conveniently in a meeting! I told the woman that I was requesting that George Hawkes never call me again, I told her I would walk down to the police department and file a harassment charge if he ever contacted me again. I am SOOOOOOOOO done dealing with these people. They said I needed to post date a check for the end of the month, I laughed! I am going to find a good lawyer and just see them in court. Good luck to anyone else dealing with these people. File as many complaints as you can and hopefully one day they will be OUT OF BUSINESS

2007       I started this issue with Capital one auto. In 2004 I had lost my job and had just gone back to work. I was two months behind on my payment but trying to keep it up I got a call from the collection department at cap one from a person named suzette she told me she could not accept my payment unless it was the full amount. I owed almost 1000 dollars. There was no way I could pay this. But offered her 400 dollars she refused told me to get another job yelled at me told me I was a dead beat and called me a liar. I hung up on her and was very upset. She continued to call me seven to eight times a day I would not answer. She called my home June 12th of 2004 and spoke to my husband she told him I was a liar and needed to pay full amount or they would repo vehicle she scream at him told him she was going to take our property also he hung up on her after telling her to come get the van. We ignored calls for a while scared and irritated she kept calling sometimes as late as ten at least ten times a night. We have gotten real good at ignoring the phone. They did come and get the van. Calls stopped Then we started getting urgent calls from synergistic The lady on the phone her name was Donna she said we owed her eleven thousand for the van and she was prepared to make an offer if we paid five thousand dollars it would clear my account. I wanted to pay because I felt like it was our responsibility so I told her I could give 1000 dollars and would have to get the rest to her when I could. She took my money and everything was ok at first then she began calling demanding the rest I did not have it I told her I could make small payments she refused she said she was coming after my property and even spoke to my then five year old told her mommy was bad. Calls continued until now I am now getting calls from 770-988-9055 I looked this up and found out it is Frederick J. Hanna & associates

2007       Well, in the past month, I have received a few calls from our "friends" at Hanna & Associates regarding a debt of mine. I am working with a debt settlement company in hopes of agreeing to settle my account, which is with Bank of America. I have a debt of approximately $4k with BO and hope to get it settled for somewhere in the neighborhood of $2k and paid off by year's end. I have been informed by my settlement company to not speak with these dirt bags and to let them be the point of contact, as they have POA to represent me. How long have people generally been able to put off these maggots before getting a summons, legitimate or not from Hanna?

2007      I was contacted  one year ago by Hannah and served by a uniformed officer with a court summons at my job! Needless to say, I was unable to make suitable arrangements with the office, and I was then served with garnishment papers by my Human Resources officer. Over the last four months $272.00 each pay period has been deducted from my check leaving me with very little to survive on. I'm down to only 1 1/2 payments and can't wait for it to be over. This was a Discover credit card from 1994 and I was told by a local attorney that there wasn't much they could or would do besides threaten me because legally it should have been charged off by 2006. The balance at that time was &800, but according to Hanna and the guys, the card is now worth $2200. Well, I won't ignore it if I ever receive notices like the ones sent by Hanna and his team again! The amount that they sent to Human Resources did not indicate that I did make a payment to them before the attorney advised me to stop. It seems as though they've gotten away with stripping more money than they should have.

2007    Beware of these guys. I got a call from these guys yesterday and today they sent me a letter in regards to a debt with Washington Mutual and that they represent LVNV Funding in the matter. A couple of weeks ago I received a debt collection notice about the same account from Resurgent Capital Services which apparently is also a company owned by LVNV (AKA Sherman Acquisition). I fully intend on sending Resurgent a debt validation letter but now it seems they are also using Fredrick J. Hanna as a way to be even more persistent in collecting a debt.

After reading about the Fred Hanna on the Bud Hibbs site and also others as well, these guys seem nothing more than scumbag debt collectors who apparently do whatever they can to collect even if it's through fraudulent means. I also looked them up online on the State Bar website which lists the lawyers legally licensed to practice law here and they aren't even listed. If you get a letter from Fred Hanna and his dirty band definitely send them a debt validation letter.

To send a letter regarding the same account from two different sources under LVNV Funding is pretty strange but also shows how desperate they are to collect a debt whether the person owes it or not. Do not give these guys any personal info over the phone or even speak to them. Just do everything through regular mail and also document the calls. The first call I got from Frederick J. Hannah's group was very strange.

I let my voicemail pick up the call and some guy named John Daily left a message saying it's an important business matter to discuss, and in the next moment it sounded like he held a tape recorder up to the receiver with an automated voice saying my name and then proceeded to get back on the phone to tell me I needed to call him and that he'd be in his office until 9pm. What lawyer works that late to collect a debt? This guy didn't sound nice and was just another scumbag debt collector. In the laws in my state they are also supposed to disclose that the call is from a debt collector which they didn't do. I guess these guys at Fred Hanna have no problem with breaking the law. I would definitely check to see if these guys are licensed to practice law in your state. I'd also check with the Better Business Bureau and you can see they have an unsatisfactory record.

Thanks to Bud Hibbs for re-affirming the fact that these guys are dirt bags who like many other debt collectors are trying to prey on debtors in the hopes they'll be scared enough to cave into these thugs. Don't be scared and make sure you have all the documentation of calls, letters, etc. These guys apparently break the FDCPA and even state laws to try and get their way. Fight back.

2007    My husband had his wages garnished by Fred Hanna & assoc. for an NCO Portfolio account and Hanna's office is claiming we owe more than we do but we are stuck with paying it. I have tried to get a hold of an attorney but there isn't one in our area that handles this kind of thing and I don't have a good enough car to drive to the nearest one. My husbands job has him on the road so much that he can't appear in court & I was told we can't do a power of attorney so I can handle it for him so like I said we are screwed. This is how these so called attorneys & debt collectors stay in business and get the money they want. So many people now days are so involved in their lives that they aren't able to take the time to fight and or they just figure it's not worth it because they won't win anyway or they are just plain scared because they grew up in a society where a lawyer and court stuff was something serious. Now I'm not whining because of my situation I'm just making an observation as to why this happens so much more than it used to. (By the way this is not for an account we made it's an identity theft account that was created when my husband had his wallet stolen by a co-worker while they were in France. He didn't file a police report because he wasn't able to and this was before the identity theft thing was very well know.) Fred Hanna's office took payments for a while & one of their associates called me & told me they would no longer accept the payments & I needed to go to one of their 'people they work with' & try to re-finance our home. We did not do this because we felt it was a scam. So payments weren't made since they weren't going to be accepted. This got the account behind & that's when they decided to do the garnishment. It's all VERY frustrating and upsetting. Thanks for listening.

2007    I was contacted by the Hanna office on 6/11/07, today is 6/19/07 and I have already had five phone calls from them. First of all I told them that I have never received any letter in the mail from their firm. Asking this question really sent them over the edge. They at first said no we have not sent a letter yet, that they had just received my account in their office. Then before this first phone call was over they said that they had sent me an official letter and that I was just trying to drag this whole matter out. Hanna's Midwest office kept asking for my banking information, which I refused to give them. They have consistently called me asking for settlement, though from the start I told them that I was disputing the validity of their claim which they said was from Sears Co. Hanna's office told me that Sears was no longer involved and I had to deal with them. I still refused and now they tell me that they will serve me with a summons unless I settle with them. I asked for something in writing and they refused. My husband and I talked it over and he says let them serve the summons, they have not done what they were suppose to do legally.

June 11, 2007    Well I fired off a letter to Freddie and his cronies and told them that my friend Bud Hibbs didn't speak to highly of them and the Georgia BBB didn't report good things about them also.I have not received any more phone calls from them! I also told them I never heard of a "real" lawyer with office hours after 5 P.M. either! I also told them that I don't owe them a dime! Thanks so much Bud for all you do for us that have to deal with these leeches everyday!!! Thanks again Bud have a great day!!!!

Thank you Mr. Hibbs for this very informative and helpful website. A couple of years ago I fell into some difficult times and had to go to work for Fred Hanna and Associates. During the training I was appalled at some of the tactics being taught to not only seasoned collection veterans but to young collectors who were coming into the industry for the very first time. As best I could I cornered some of the younger people to let them know that our industry was not all about what was being taught there. I seemed to be the only veteran who really knew how the industry is supposed to be ran. Using fear and intimidation and down right illegal tactics is not a collection strategy but a strategy that will eventually get both you and your employer in trouble. After completing the training phase I went from being appalled to just plain galled at the conditions the people there were working under. The breakroom looked worse than some restroom I have seen on the road when traveling. The entire place looked like a warehouse gone terribly bad. Hanna doesn't even think enough of his employees to provide them with a decent place to work and he can, others do. That was the galling part to think that so many people work for this man and speak very highly of him only to be rewarded with a pig's sty to work in. Keep after him, maybe that is why he is such a big fish he keeps all the money to himself.

2007     I wish I would have heard about Fred Hannah and his pathetic collection practices when I was first contacted by this "law firm". I'm completely disgusted by their behavior, and I can't believe those who work for this man can sleep at night. I love talking to these losers on the phone, however. Recently I have gotten the opportunity to talk to a low life moron by the name of Sheeva. This woman contacted me yesterday at my place of work to inform me if I did not set up a payment plan with her before Tuesday, she would proceed to garnish my wages. I told her that I've been waiting on a statement to arrive from Fred Hannah's office for 3 months. I was told by a man named Ed that I wasn't dealing with an accounting firm who sends statements, I was dealing with a law firm. I was shocked, appalled and my first thought was to call Bank of America, who Fred Hannah claimed to be representing. Sheeba told me that I should have contacted Bank of America for this statement and I explained to her that I did and they told me that my debt had been charged off. She also told me that she could fax a statement to my office and then I could review it, call her back and set up a payment plan with her. I said if she wanted to send me a statement then she could mail it to me. She said that she would be overnighting one to me.

Well, I called Bank of America today, and they informed me that my debt with them was not being handled by Fred Hannah on their behalf and that they did not sell my debt to Fred Hannah. I decided to give Sheeva a call. I asked her to reconfirm what she stated yesterday about Bank of America being a client of Fred Hannah’s and that they are only trying to collect on the behalf of BOA. She asked me to hold and came back to the phone 3 minutes later to tell me that it was indeed correct. I told her that seemed quite funny to me, I just talked to BOA and they have told me otherwise. She then asks me if I talked to a manager at BOA and I told her that in fact, I did. I also asked her if she would be willing to do a 3 way conference call with me and BOA and she said yes but only if she could get her manager in on this call as well. I guess she doesn’t have a scripted answer to that one. I then questioned her on the supposed attempt to garnish my wages. I asked her what steps would be taken and how she was going to get this done? She told me that she had no idea because she was not in the department responsible for that. I laughed at that one because yesterday when she called me, she certainly said she was. Then she began to tell me that she was only signing off on paperwork to be sent to that department. I asked her if she knew that what her company is doing is illegal and she didn’t answer. I told her to expect a call from my attorney, which I have retained. She is so used to lying she thought that it was just a bullsh*t threat on my part. She said, good, just give me his name and contact info and I will send all the info to your lawyer. I’m sure she was quite surprised when I gave her his name and contact info.  I asked her if she sent my statement in the mail yet and she told me that her company doesn’t do that.

  May 5, 2007    Today was a good day .. I was only screamed @ by 2 debtors all day long the rest were available to speak with me directly some of you even kept your call back promises! I have to say i was impressed, so as it written in the good book forgive us our debts as we forgive our debtors -i forgave a debtor today who had been dealing with Harold sheply and associates chad Moore attorney @ law( whatever) I heavily advised him not to go with this company and companies like them who take your money every month with the promise of paying off your creditors (over 2-3 years) i warned the consumer this would not be wise because our office has a set time frame and a set criteria stipulated by our client as to when resolve is to be obtained before legal recommendations are required. Well!! He was contacted today by our local co counsel an attorney in your state that will sue you on our behalf) he immediately called the office and asked what was happening! I reminded him of my advise given to him last month april 2007    and how this so called firm will not represent him in court if our client decides to take it there with him, he asked what he could do to resolve the defaulted item in office (the unpaid bad debt) naturally the tables were turned and the balance should've been called due since he knew we were ready to sue him right?...... Wrong.... Forgive us our debts as we "forgive our debtors"...the balance was $5800.00 his original charge off amount was $4716.00 before interest or penalties applied, he knew he was screwed or so he thought... I granted him a settlement of $3000.00 to close the case and fo'git about it. you see people when your intent is to resolve your debt, own up to your obligations, and just plain face what you fear, you'll be surprised what lessons or blessins' lie deep in the water......sharkfin

2007      I am attaching a letter that I just wrote today to Frederick J. Hanna. I did not realize how many people are harassed, I am one of the lucky ones as I have a degree in pre-law, and these people do not scare me. I hope this helps someone.  (We publish the letter with financial details redacted - this is not to be considered legal advice from this consumer or this website...)

Dear Mr. Peskin:

On April 11, 2006, I entered into a payment plan with Portfolio Recovery (your office). All payments under this plan have been paid in a timely manner on or before the 25th of each month. Additionally, I made an extra payment of $XXXXX under this agreement, while also paying the $XXXX payment each month as stipulated and agreed upon through XXXXXXXXXXXX (a debt consolidation program) and your office.

As of April 1st, 2007   , the balance owing on this account is $XXXXXX not $XXXXXX as stated in your paperwork. In April of 2006, the balance owing on this account was over $XXXXXX0, a year has gone by since this agreement and Ihave paid your offices $XXXXXXX towards the balance.

In October of 2006, I received a phone call from your office wanting me to make another additional payment to try and bring the balance down even lower. I was not able to do this, nor did our agreement stipulate anymore-large payments being made. On December 5th, 2006, I was served with the Summons and Suit on Account by your office. I can understand the collection of a debt, however, I do not understand the harassment of such when I am making the payments that were agreed upon, and have not been late or missed a monthly payment since our agreement went into effect.

Therefore, I am not responsible for your unnecessary filing fees of frivolous court paperwork, attorney fees, or post-judgment interest at a legal rate. A Consent Judgment is nothing more than a contract between the parties entered upon the record with the approval and sanction of the court of jurisdiction. We already have a contract that was entered upon on April 11, 2006, this contract has been fulfilled since the inception, and I continue to make automatic payments out of my checking account the 1st of every month, which are then forwarded to your office by (debt solutions firm)

Additionally, I do not concur with your Consent Judgment. The need to file such paperwork would only come about if I was not meeting the obligations that were originally set forth. Since you continue to harass me over a debt that is being paid I am forwarding a copy of this letter, your consent judgment, and the Suit of Summons to the Federal Trade Commission, and the Georgia Bar Association Ethics Committee.

2007      Wow, I am shocked at all of the comments regarding this law firm. I am also very scared at the moment. Now I really don't know what to do. I did have a bad debt with Capital One a few years ago. In 2006, I was served court papers and had a date on when to appear and everything. I called them cause I was scared and definitely didn't want to go to court on something that I can make arrangements with and settle.  I called and made payment arrangements . The debt was roughly $2600 or so....but they added $1000 of fees on top  and said that i can pay them $250 a month until it was cleared up. Well, I lost my job and just moved, so they slipped through the cracks. I was just thinking that I never received a statement on the payments that I had sent to them. So, tomorrow I will request a statement from them and see what they say. I don't know what to do. I am panicking because I'm afraid they will say that they have nothing on file....and etc. I will go ballistic on them. I may even contact an attorney if they give me a hard time. What are my rights? Does anyone know? I cant believe I may be another victim...or sucker.

2007      Horrible, horrible experience. Luckily after I was hung up on twice today by this place I went to the Georgia State Board of Law. There I was able to review their ethics section and emailed my complaint to the State Board outlining exactly the ethics rules this, umm, firm violated. 

2007      Two months after a cease order was presented to Frederick Hanna, one of his "representatives" called my ex-wife and spoke with my 16 year old, explaining to her he was trying to collect a debt from me. From what I have learned from your web site, this is illegal, but it has not seemed to have stopped him from doing so.

You might wish to file complaints at the FTC and the Georgia State Bar.

2007      I received a letter from Frederick Hanna and associates saying they are representing LVNV regarding a debt that I do not owe. LVNV appeared on my credit report late last year and was deleted from my credit report December 26, 2006. Since that time two other credit agencies have contacted me regarding my LVNV account (that has been removed from my credit reports because it is not my debt). The first was World Zen. They wrote me a letter and called me at work. I responded by telling them not to contact me and sending them a letter informing them this account was not mine and not to contact me. The second agency was the Northland Group (this group also appeared on my credit in feb. 2007    as an inquiry that I am fighting) I told them the same thing and sent them the same type of letter. Now I am getting a letter from Hanna. Based on what I have read about him I am not looking forward to dealing with him. I have printed a letter that I will mail first thing Monday morning demanding validation not verification regarding this issue. I know that he can't because like I said the account is not mine. Any advice from anyone will be greatly appreciated!

2007      I Have never in my life dealt with such ignorant people. I have been sick for seven months and had to quit my job because of it. I got behind in bills that I religiously paid every month on time. I started receiving calls from them. They started calling me in December. I spoke to them on several occasions to set up payment arrangements. Of course none of this was good for them. I told them it was the only way I could pay. They told me to file bankruptcy or ask someone for the money. I told them i would and could not. They got very hostile. After that they started calling ten times a day. Then they got my families phone numbers and started calling them When they asked them to stop they said we can call and do what we want. I just got off the phone with them today trying to come to an agreement. The lady would not even let me speak. She called me lots of names and degraded my family. Of course the conversation got heated and she hung up

2007      I had never heard of this guy before today, but I recently got word that Capital One was filing suit against me, so I pulled my credit report online to find out when the last date of activity was. Now I see that this guy pulled my credit report last September. Can they do that? I did a search online to find out who this guy was and found this site. I'm so glad I did! Now, instead of being worried, I'm ready to fight this idiot tooth and nail!  You'll find there's a big difference in 'what they can do' and what they actually do.

2007      I am so glad to find your website regarding issues folks have had with Hanna & Assoc. I can tell by previous posts you have them on the run, in the corner and seriously defensive. I have been a good consumer all my life, with a near perfect credit score. When I was divorced for faults admittedly not my own, my ex-wife still took most of what I had built and left me to start a new life, much of it heavily reliant on credit cards. When the federal laws changed last year and minimum payments were increased, I no longer could afford to live, and my account was sent to FJHA to collect the debt. I recently went to purchase a new home. I have two other credit card accounts that are past due, but an agreement has been reached to settle pay off the cards. However, my BOA account, in the hands of FJHA, has been aggressively pursued with letters making threatening statements. I am okay with that. I can work with most people. I agreed, however, to pay them a monthly minimum to keep them at bay. What they have been doing is collecting one amount from me, and reporting to the credit agencies that I have been paying a different amount. Because of this, over about a lousy $60, my credit score has shot from the 700's into the low 500's.

2007      As a former collector who worked there, I cannot think of enough bad words to describe his horrible excuse for a human being. Fred J. Hanna and wife Lynn L. Hanna live in luxury in Marietta, GA in a four million dollar home paid for by debtors they steal money from. Hanna likes to hide from everyone, thinks he is a big shot that can get away with anything he wants. At age 58, he can retire in luxury and never worry about all the people he screwed out of money, or the lives he and his pond scum debt collection operations have ruined. He is an egotistical moron who loves to screw anyone out of money, I mean he really gets off on it. The puppet attorneys working there jump when he barks to keep the money rolling in. You would be astonished at the methods they use to take money from people, he has no conscience, no morals, only a deep fixation for beating anyone out of money. If Hanna were a politician he would be in jail for all the crooked things he has done, maybe someday he will get what he has coming. The time spent there was horrible, I regret ever have gone to work there. Warn your readers to fight him tooth and nail, he should pay for all the people he has screwed.

2007      I have received 2 calls from David Williams who claims he works for Frederick J Hanna and Associates. The first time I told him NOT to call my place of work ever again, that he could reach me at my home number, which he asked for. He also asked how I was going to take care of the credit card debt I have with Bank of America, in which I told him I do not have any money but I was working with a Settlement Agency. He was very rude, so I referred him to the Settlement company and was going to give him the number. He wouldn't take that number, just told me I was going to be sued and that they were going to attach my wages. The second time I was called, I didn't identify myself when I answered the phone and he asked for fax number of the HR department. I gave him the fax number, and was faxed a verification of employment. He did not identify himself, nor did he say what he needed the fax number for. I then called him back and again told him that he had a cease and desist letter on file and to never call me at work. At that time I was told I would be served at my work place and he was doing what I had told him. I never told him to serve me at work, I said that he could contact me at my home number if needed. This company is very sneaky with their tactics, and I need to know how to handle this, as I have several credit cards I am unable to pay due to several different problems. The statute of limitations is 6 years

2007     

July 2006 I was served with a lawsuit from Hanna and Associates. I was very surprised because I never had a credit card with Providian. What is funny about this lawsuit is that I never received anything saying I owed a debt until I was served. The paperwork that I was served with was a copy of the credit card agreement from Providian. It didn't mean a hill of beans to me.  There was nothing in the paperwork with my signatures. I tried calling these idiots and was told that Dennis Henry will not talk to me. The entire point of filing this lawsuit was to get a judgment against me. They would have gotten a judgment if I didn't answer their summons. I filed a motion to dismiss the case. The judge came back and said I could sue them based on their violations of the FCRA. On January 17th, 2007    I filed a motion to get a trial date. This case has been pending for 9 months. I'm tired of waiting. On January 10th, I called the Hanna Law Office and spoke with the Paralegal. She stated they are waiting on the credit card company to provide them with my signatures. What a joke!!! They've had this case for 2.5 years. They're just know getting around to finding my signature. I'm not a lawyer but I could play one on TV. The reason I don't have a court date is because they don't have a case.

2007      From a Collector

I have to throw my two cents in here. I worked for Fred Hanna and Associates not too long ago. I have seen the underhanded tactics they use and the lies they tell and you have a good reason for feeling the way you do toward them. Once I witnessed what was going on I got out of there. I witnessed one collector calling a bank to verify a account and when they would not give it to her she called back stating the account holder was deceased and was settling her will and need the last known address. I could not believe what I was hearing. That made me very nervous because I am very familiar with the FDCPA. I decided to get out while I could before it all came tumbling down. This is just one of the many lies that are told there just to get the info they need. As for the SOL, here is something you need to know. If the credit card company or whoever have a signed contract with you then the SOL is 7 years from the last date of activity on the account which usually means the last payment made. If there is nothing with your signature on it then they have 3 years from the last payment or charge. Whichever was last so be careful. Hope this helps anyone.

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