(330) 798-2826

located: United States, Akron - OH

Caller Information

330-798-2826 is a contact number on a Cell Number. This tool is signed up in Akron, Ohio, OH.

Phone number styles: 798-2826 (Local dialling)   (330) 798-2826 (Domestic dialling)   +1-330-798-2826 (International dialling) 

12 Report For (330) 798-2826

Report by Celena Sarrecchia Long ago Unknown
A man with an Indian accent calls me on my cell, home and office numbers and leaves messages stating that there has been a warrant issued for my arrest in connection with a complaint against my social security number.I know that I have NOT done anything wrong so why has this guy been calling and threatening me since November 2011.  I spoke to him the last time he called and he directed me to call some attorney and when I called it was another man with an Indian accent.  I hung up because for a moment I actually thought it was the exact SAME man.I don't know what to do at this point but I CANNOT have men calling my office and stating that they are OFFICERS because my office thinks its the real police and that means trouble.
Report by kitty Long ago Unknown
i received a email saying do i need a loan today for 50000 easy  quick onlinet6hey said to go to loans5k.com
Report by Jody Long ago Unknown
Got a text from www.loan5K also. But the phone number was from 440 278-0527. I have been online trying to get a loan with payments not a payday (pay back next 2 paychecks). I keep getting calls from people that sound like they are from India. Does anyone know a legit one?
Report by bettyjo13 Long ago Unknown
I too have recieved calls from theses Indian accented with threatening calls and I called them on it and the man got dirty and nast stating this is a web scam.
Report by Sad but True Long ago Unknown
This is an offshore payday loan debt collection extortion scam that has been going on for at least five years. The FBI is aware of it but is unable to go after those involved due to lack of money and manpower. I looked back and found some old information which may prove to be helpful: They obtained your information through Teletrack:Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:http://800notes.com/Phone.aspx/1-631-456-4041/2I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less. As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:a) Your SSNb) Your home addressc) Your work addressd) Your banking infoe) Names, numbers and potentially the addresses of "references"f) A complete and total lack of ethics and a basic understanding of the FDCPA.  I have personally filed reports with the following agencies, often with limited (if any) success:Local Policemy state's Attorney General's officeFTCFBISecret ServiceGenerally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  At this point it's a stalemate with these people.  1) While they have the lion's share of information on us, they can't really do anything with this information.  Why?  Think about it.If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  2) We have no information on them.Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works. So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  Nope, then they would have to identify themselves.Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.http://800notes.com/Phone.aspx/1-646-274-1143/3For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:United Legal Processing DivisionMidline MarketingCrime Monitoring ServicesMonetary Crime DivisionU.S. National Bank Attorney General’s Office (usually in California)American Legal ServicesAffidavit Consolidation Services (ACS)You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  Who are they? In the past when pressed by law enforcement for an address, the callers have provided the following information:David Morgan and AssociatesMorgan & AssociatesMorgan Associates954-727-8481 1155 Northwest 85th Street Wintergarden, Florida  33150 (Address is likely invalid)The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htmhttp://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdfThey have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.   The last time this group went by any "official" name was back in 2008:Ellis Crosby & Associates / Douglas & Morgan Associates4494 Southside Boulevard Suite #200Jacksonville Florida 32216Phone:  800-928-3536 / (904) 928-3536(Address is likely invalid)There are NUMEROUS consumer alerts out against this group of individuals:Florida:http://jacksonville.com/tu-online/stories/061107/met_176207561.shtmlKansas:  http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.htmlColorado:  http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_origRhode Island:  http://www.collectionscreditrisk.com/news/rho ... -3002135-1.htmlWest Virginia:http://www.wvago.gov/internetloanscam.cfmMissouri:On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  "..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."Bottom line:Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  If you ever applied for a cash advance online, your information is out there.   Possible sources for the breach of your privacy are:* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time. * The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  * The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.   How to protect yourself:* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  * Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard. * Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.1-201-244-77221-209-349-73821-209-797-22121-212-500-08391-213-256-04081-213-995-30391-281-763-04331-347-289-39021-347-844-68171-347-844-68311-424-354-42701-516-232-89051-516-232-89351-518-212-02191-561-300-80181-561-210-41851-626-200-46461-631-456-40411-646-274-11431-646-810-86351-650-241-46041-707-401-40561-707-633-27891-708-401-05351-716-442-28241-717-862-40801-718-705-86691-760-514-01321-760-563-53841-772-318-49381-850-201-11111-858-777-19771-859-908-22811-866-860-45091-877-226-74881-888-706-74631-888-771-92491-888-785-44791-909-327-4870So can they really do anything to you?It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  So, why haven't they?  Authorization.  Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  Bottom line:If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.PS--The FBI sent out a Press Release on this scam just last week:Extortion Scam Related to Delinquent Payday Loans Washington, D.C. December 07, 2010  FBI National Press Office (202) 324-3691— filed under: Press Release The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started. The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers. Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt. If you receive these calls, do not follow the caller’s instructions. Rather, you should:Notify your banking institutions. Contact the three major credit bureaus and request an alert be put on your file. Contact your local law enforcement agencies if you feel you are in immediate danger. File a complaint at www.IC3.gov. Tips to avoid becoming a victim of this scam:Never give your Social Security number—or personal information of any kind—over the telephone or online unless you initiate the contact. Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately. Avoid filling out forms in e-mail messages that request personal information. Ensure that your browser is up-to-date and security patches have been applied. Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers. When you contact companies, use numbers provided on the back of cards or statements http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710Reply ! http://800notes.com/Phone.aspx/1-951-489-0227
Report by curiousgabby Long ago Unknown
I have also been receiving these threatening calls for the last year. They seem to have all my information tho. Making same sstatements. Calls come from long distance and local numbers. How do you stop them. Other than I dont answer my phone or hang up on them. One time the same number called back to back 7 times.
Report by freedman Long ago Unknown
I got a text from 216-334-3723 for loan5k.com asking if needing 5000 dollars today.  I also got 3 Indian accented threatening phone calls regarding an affidavit and me going to prison.
Report by Jeff in MD Long ago Unknown
See posting below:http://800notes.com/Phone.aspx/1-330-983-3112#p171030104110010875
Report by CD Long ago Unknown
Got a text message from this number too directing me to www.time5loan.com for a Holiday loan.
Report by Marla Long ago Unknown
Got a bogus text message from this number. I am also on the DNC list...a lot of good that has done. I still get spam texts and annoying calls from people like this. I wish we could block them completely!!
Report by walter richards Long ago Unknown
got phone call about a loan
Report by Jane Smith Long ago Unknown
Recieved a bogus text msg (I am on the DNC list) from this #, directing me to time4loan.com for a Holiday loan.  Also had a supicious call from what sounded like an Indian boiler room the day before.  I suspect they are linked because it has been months since I have had any phone spam, now two in two days?Grrrr!

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712-246-1630

4 Report Long ago Unknown
They are a survey company fronting for debt collection companies to find out when you are home.  Auto dial and hang up if answer machine picks up.  If you pick up there is nothing there but now they know when you are home and will call you all the time about the same time.  They help telemarketers, debt collectors, etc  all of the lovely people no one wants to hear from. Any loop hole for these people to find a way to contact you.

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Perhaps this great-grandmother will just shut down her Hp and read a good book!

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Another call just minutes after the last one.  I have number ID but not name.

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Who is in Council Bluffs, Iowa and why am I receiving calls from this number?  AND, what can I do to eliminate them?

647-724-0603

3 Report Long ago Unknown
Wanted to know if this number still working.

647-724-0603

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Hi Satya, I am trying to reach you. Could you pls let me know on what number can i talk to you. My mail id is raveekishore@yahoo.com. Will wait to see your mail or msg. Thanks in advance,Ravee

647-724-0603

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CHECK THE DETAILS

508-100-0000

40 Report Long ago Unknown
coming from st, pierre and miquelon, bc, calling and being called from my home number,

508-100-0000

40 Report Long ago Unknown
I get Calls from this number several times week.  I do not answer.

508-100-0000

40 Report Long ago Unknown
Someone needs to do something about these types of intrusive callers. They seem to have the advantage since they know a heck of a lot more about us than we do of them. Sounds like there's a lot more people who feel like I do. How can so many various companies come up when researching the same #? Every time I think I'm covered by a Do Not Call list of sorts, more calls manage to get through???? Any helpful suggestions?

508-100-0000

40 Report Long ago Unknown
Calls my house at least 5 times every day  It is a phony number no such number in MassachusettsSo who ever you are STOP Cause if I every find you your dead meat

508-100-0000

40 Report Long ago Unknown
Been calling daily, leaves no message. Comcast wont allow me to add this number to the call screening for some reason ?

508-100-0000

40 Report Long ago Unknown
They have been harassing us for months! How convenient the number is not a real number, cant b blocked or stopped? When I do a reverse lookup it tells me it's an invalid number, yet *69 says that is the actual number. Obviously govt. or phone company. a side note, my firewall shows daily repeated attacks from China to my pc. Anyone else have this?

508-100-0000

40 Report Long ago Unknown
858pm called and didnt leave message, they have been calling for days.  so sick of this

508-100-0000

40 Report Long ago Unknown
Just received at 856 pm. Did not answer

508-100-0000

40 Report Long ago Unknown
upun redial number out of service must be a scam

508-100-0000

40 Report Long ago Unknown
They called and asked if our name was so and so my husband said yes and they hung up.. Sick of these freaking calls. We don't owe any bills so I have no idea what this is.

508-100-0000

40 Report Long ago Unknown
508-100-0000 is calling here also, scam calling, no message no answer....888-322-8209 is another scam call, calls twice a day.

508-100-0000

40 Report Long ago Unknown
Just received a call from this number. I did not answer and never will. Make them stop!!!!!!!

508-100-0000

40 Report Long ago Unknown
Received a call from this #.  No message left.  Am on the DNC list  Annoying!  ID: massachusetts call

508-100-0000

40 Report Long ago Unknown
harassing, rude and called at 9;pm

508-100-0000

40 Report Long ago Unknown
No idea...they would not tell me how they got my # either

508-100-0000

40 Report Long ago Unknown
They've called for several days in a row. They told me they were chimney sweeps...and I asked them to take me off their calling list. They're still calling!

508-100-0000

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New phone no. to me - did not pick up - looks like a phony number and name ID: Massachusetts

508-100-0000

40 Report Long ago Unknown
Just received a call.   From Centreville VA.   Said they were thanking me for my previous support of the Herritage Foundation.....I've never heard of or supported it....told them to stop and take my name and # off their list.

508-100-0000

40 Report Long ago Unknown
i did not pick up the phone. there was no message on the answering machine.who would it be?

508-100-0000

40 Report Long ago Unknown
Who is this and why are they dialing my number?

512-236-5451

20 Report Long ago Unknown
Got a call from these jokers today. They would barely give me the info on the "client" they represented. Stated they were trying to help me keep this from being filed for suit. I told them to send me a letter because I didn't recognize their "client".

512-236-5451

20 Report Long ago Unknown
I WASNT EVEN SURE IF THIS WAS A DEBT COLLECTOR OR FOR THAT MATTER WHO IT WAS CALLING.IF I DONT KNOW WHO IS CALLING I DONT ANSWER THE PHONE AND IF THEY LEAVE A MESSAGE I CALL THEM BACK AND LET THEM KNOW TO STOP CALLING AND TAKE MY NUMBER OFF THERE LIST.AS I AM NOT INTERESTED.

512-236-5451

20 Report Long ago Unknown
DONOTCALL DOES NOT APPLY TO DEBT COLLECTORS!  ONLY TELEMARKETERS. HOW TO HANDLE ILLEGAL COLLECTION CALLS AND TACTICS HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOUREAD DEALING WITH DEBT COLLECTORS, RECORDING CALLS  AND STATUTE OF LIMITATIONS BY STATEDebt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!Dealing with Debt Collectors http://www.budhibbs.com/First.htm    Statute of Limitations by State – always double check YOUR OWN STATE Government Website http://www.budhibbs.com/statute_of_limitations.htmRecording calls from Debt Collectors - always double check YOUR OWN STATE Government Websitehttp://www.budhibbs.com/record.htmFrom Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT Debt Collection FAQs: A Guide for ConsumersIf you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.Here are some questions and answers about your rights under the Act.What types of debts are covered?The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.Can a debt collector contact me any time or any place? No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.How can I stop a debt collector from contacting me?If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt. Can a debt collector contact anyone else about my debt?If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.What does the debt collector have to tell me about the debt? Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. Can a debt collector keep contacting me if I don’t think I owe any money? If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.What practices are off limits for debt collectors?Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:     use threats of violence or harm;     publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);     use obscene or profane language; or     repeatedly use the phone to annoy someone. False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:     falsely claim that they are attorneys or government representatives;     falsely claim that you have committed a crime;     falsely represent that they operate or work for a credit reporting company;     misrepresent the amount you owe;     indicate that papers they send you are legal forms if they aren’t; or     indicate that papers they send to you aren’t legal forms if they are. Debt collectors also are prohibited from saying that:     you will be arrested if you don’t pay your debt;     they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or     legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action. Debt collectors may not:     give false credit information about you to anyone, including a credit reporting company;     send you anything that looks like an official document from a court or government agency if it isn’t; or     use a false company name. Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:     try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;     deposit a post-dated check early;     take or threaten to take your property unless it can be done legally; or     contact you by postcard. Can I control which debts my payments apply to? Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.Can a debt collector garnish my bank account or my wages?If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt. Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.Can federal benefits be garnished?Many federal benefits are exempt from garnishment, including:     Social Security Benefits     Supplemental Security Income (SSI) Benefits     Veterans’ Benefits     Civil Service and Federal Retirement and Disability Benefits     Service Members’ Pay     Military Annuities and Survivors’ Benefits     Student Assistance     Railroad Retirement Benefits     Merchant Seamen Wages     Longshoremen’s and Harbor Workers’ Death and Disability Benefits     Foreign Service Retirement and Disability Benefits     Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.     Federal Emergency Management Agency Federal Disaster Assistance But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans. Do I have any recourse if I think a debt collector has violated the law? You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.What should I do if a debt collector sues me?If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights. Where do I report a debt collector for an alleged violation?Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.For More InformationTo learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad February 2009File complaints with Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enYour State Attorney General State Attorney General is every state they have offices Link to all State Attorney General Websites www.naag.orgIf you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.comThis special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!    Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

512-236-5451

20 Report Long ago Unknown
I RECIEVED A CALL ADVISING THEY NEEDED TO SPEAK TO MY SISTER AND HOPED THEY HAD THE RIGHT NUMBER  AS THEY NEEDED A PAPER SIGNED ..SHE DOES NOT LIVE AT THIS PHONE NUMBER OR THIS ADDRESS AND HAS NEVER PUT MY NAME OR PHONE NUMBER DOWN AS A REFERENCE.I ADVISED HER THAT SOMEONE HAD CALLED HER AND SHE HAD NO CLUE WHO IT EVEN WAS.THANK GOODNESS SHE DID NOT CALL THEM BACK.I AM REPORTING THIS TO THE WEB SITE  WWW.DONOTCALL .GOV.AS THIS IS BOGUS AND FRAUD

512-236-5451

20 Report Long ago Unknown
They are calling for my sister in-law who has nerver lived with.Please stop calling!!

512-236-5451

20 Report Long ago Unknown
I recieved a message from a Jose at ext. 320 at the number above. I called him back and he said I had written a bad check in the county I reside in now ... only I wrote that bad check in 2005!?! I knew the call was crap then because I didn't even live in Minnesota at the time. Jose, however, said he wasn't trying to collect a debt but wanted to get my side of the story in regards to a Check Advance. I told him hell no and he hung up on me after that. These guys are horrible debt collectors if that's what they really are and should be reported to the attorney general. If they call me again, I'm raising hell. Do not tell these guys anything and do not believe them when they say they have a pending suit against you in your county. If you're really that worried, look yourself up in the court dates and verify that way. You'll be able to get a case number along with the plantiff information. Besides, if you're being sued, you'll be notified with a certified letter or someone will personally serve you with court documents. I work in finances and collect debt for a living, only I do it the legal way and I'm much more respect. Don't let these do***e bags take your money!

512-236-5451

20 Report Long ago Unknown
Call Eddie back and ask where you can send a "cease and desist" letter.

512-236-5451

20 Report Long ago Unknown
Just received another voice mail message from a person by the name of Eddie Tomas. (not sure if the spelling is right) but he said that he had a very important matter to discuss and that I was supposed to call back immediately.  That was all that was said.  He left a phone number:  (512) 236-5451, Ext. 275.  Does anyone have any information about what this is?

512-236-5451

20 Report Long ago Unknown
Wow......this is absolutely unbelieveable!  I recieved a call earlier this evening from this same number stating the same things that all of you have said.  I informed him that I am not working, he asked if I had a friend or boyfriend who could give their account info for me.  I told him no he was at a lost for words.  I asked how could a cash advance from 2 years ago try and process a criminal suit without the State attorney's office, and wouldn't they have to get in touch with me.  He stated "no because they do not want to jeopardize their case".  Oh..I asked well why would a lawyer need a mediator?  Afterall isn't that what they are considered to be?  He released the call.

512-236-5451

20 Report Long ago Unknown
I also received a call from this company claiming they were going to file a criminal suit against me for writing bad checks to repay a cash advance loan. They would not give me any reference or case numbers and said they were getting "discovery" and could not jeopardize the case by giving me any refernce numbers or telling me who they were. The mans said he was Hose Rodriguez and he was a process server and was trying to get my side of the story before filing the case in some county I had never heard of.  Does anyone know who this number belongs to or if the company is legitimate????

512-236-5451

20 Report Long ago Unknown
I received a call from this number and was told that it had to do with a cash advance company that an advance was not repaid to.  I told the caller to send something to my home proving this debt.

512-236-5451

20 Report Long ago Unknown
this call is ILLEGAL - AND YES YOU CAN SUE THEM FOR IT IF IT CONTINUESREAD THIS INFORMATION - ITS VERY IMPORTANT.. HOW TO HANDLE ILLEGAL COLLECTION CALLS AND TACTICS – HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOUREAD DEALING WITH DEBT COLLECTORS, RECORDING CALLS  AND STATUTE OF LIMITATIONS BY STATEDebt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!Dealing with Debt Collectors http://www.budhibbs.com/First.htm    Statute of Limitations by State – always double check YOUR OWN STATE Government Website http://www.budhibbs.com/statute_of_limitations.htmRecording calls from Debt Collectors - always double check YOUR OWN STATE Government Websitehttp://www.budhibbs.com/record.htmFrom Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT Debt Collection FAQs: A Guide for ConsumersIf you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.Here are some questions and answers about your rights under the Act.What types of debts are covered?The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.Can a debt collector contact me any time or any place? No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.How can I stop a debt collector from contacting me?If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt. Can a debt collector contact anyone else about my debt?If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.What does the debt collector have to tell me about the debt? Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. Can a debt collector keep contacting me if I don’t think I owe any money? If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.What practices are off limits for debt collectors?Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:     use threats of violence or harm;     publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);     use obscene or profane language; or     repeatedly use the phone to annoy someone. False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:     falsely claim that they are attorneys or government representatives;     falsely claim that you have committed a crime;     falsely represent that they operate or work for a credit reporting company;     misrepresent the amount you owe;     indicate that papers they send you are legal forms if they aren’t; or     indicate that papers they send to you aren’t legal forms if they are. Debt collectors also are prohibited from saying that:     you will be arrested if you don’t pay your debt;     they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or     legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action. Debt collectors may not:     give false credit information about you to anyone, including a credit reporting company;     send you anything that looks like an official document from a court or government agency if it isn’t; or     use a false company name. Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:     try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;     deposit a post-dated check early;     take or threaten to take your property unless it can be done legally; or     contact you by postcard. Can I control which debts my payments apply to? Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.Can a debt collector garnish my bank account or my wages?If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt. Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.Can federal benefits be garnished?Many federal benefits are exempt from garnishment, including:     Social Security Benefits     Supplemental Security Income (SSI) Benefits     Veterans’ Benefits     Civil Service and Federal Retirement and Disability Benefits     Service Members’ Pay     Military Annuities and Survivors’ Benefits     Student Assistance     Railroad Retirement Benefits     Merchant Seamen Wages     Longshoremen’s and Harbor Workers’ Death and Disability Benefits     Foreign Service Retirement and Disability Benefits     Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.     Federal Emergency Management Agency Federal Disaster Assistance But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans. Do I have any recourse if I think a debt collector has violated the law? You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.What should I do if a debt collector sues me?If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights. Where do I report a debt collector for an alleged violation?Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.For More InformationTo learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad February 2009File complaints with Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enYour State Attorney General State Attorney General is every state they have offices Link to all State Attorney General Websites www.naag.orgIf you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.comThis special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!    Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

512-236-5451

20 Report Long ago Unknown
I have started geting calls stating the same thing. The only problem is that they are asking for my sister in-law. I have told them that we are not on speaking terms and that she lives fours away from were we live. Then the lady gets rude. I have asked to speak with Jose but she tells me that everyone is in court for the rest of the day. When I tell her that I will turn them in for harassment she laughs and says "you can do whatever you want but we will still call till your sister takes your # off of her paper work"... I have explained over and over again that they need to take my name and # off of their calling list but they refuse. I DON'T KNOW WHAT ELSE TO DO? IS THERE SOME KIND OF PROTECTION FOR HARASSING THE WRONG PERSON???

512-236-5451

20 Report Long ago Unknown
Got a call today from this # voice mail said to call beck and speak with Jose at ex 320 and that I may not know what was going on but he needed to reach me before my information was sent to the DA. I did call back and speak with him, he did have information on me also but I do not have any issues with any creditors as they were discharged with chapter 7 almost 3 years ago. He told me to call him back when I had information about my cae and he would give me the address to send information to.  I did call back after having a friend call and she spoke with an "Edward" who would not tell her what the company did, she stated that she was calling because she needed to contact her attorney and he also hung up. Then she told me about this site.I did call the # when I got home because I was going to go the hell off on Jose but as you would have it, the phone just rings and after about the 9th or 10th ring there is a recording saying that you have reached the phone book enter the first 3 letter of the name. When that is done the phone hangs up.  There is no identifying informtion, no company voicemail, no nothing.  What can we do?

512-236-5451

20 Report Long ago Unknown
These people will lie, hang up when you ask them for information and they will get by with it until enough people take the time to make formal complaints.  They know that most people who owe money are afraid to complain and this is how they get by with this.  Everyone of you should make a formal complaint listing as many details of the time of the call, caller's name and of what they said to you and the threats they made.  They will stop calling when the hammer comes down.  I believe the name of this company is; National Bureau Collection Corp.  They have offices in multiple cities and states.

512-236-5451

20 Report Long ago Unknown
THIS CALL WAS ILLEGAL - ITS AN ILLEGAL SCARE TACTIC!  from fdcpa on the Federal Trade Commission Website False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:     falsely claim that they are attorneys or government representatives; CORRECT WAY TO HANDLE ILLEGAL COLLECTION CALLS AND TACTICS HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOUREAD DEALING WITH DEBT COLLECTORS, RECORDING CALLS  AND STATUTE OF LIMITATIONS BY STATEDebt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!Dealing with Debt Collectors http://www.budhibbs.com/First.htm    Statute of Limitations by State – always double check YOUR OWN STATE Government Website http://www.budhibbs.com/statute_of_limitations.htmRecording calls from Debt Collectors - always double check YOUR OWN STATE Government Websitehttp://www.budhibbs.com/record.htmFrom Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT Debt Collection FAQs: A Guide for ConsumersIf you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.Here are some questions and answers about your rights under the Act.What types of debts are covered?The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.Can a debt collector contact me any time or any place? No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.How can I stop a debt collector from contacting me?If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt. Can a debt collector contact anyone else about my debt?If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.What does the debt collector have to tell me about the debt? Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. Can a debt collector keep contacting me if I don’t think I owe any money? If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.What practices are off limits for debt collectors?Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:     use threats of violence or harm;     publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);     use obscene or profane language; or     repeatedly use the phone to annoy someone. False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:     falsely claim that they are attorneys or government representatives;     falsely claim that you have committed a crime;     falsely represent that they operate or work for a credit reporting company;     misrepresent the amount you owe;     indicate that papers they send you are legal forms if they aren’t; or     indicate that papers they send to you aren’t legal forms if they are. Debt collectors also are prohibited from saying that:     you will be arrested if you don’t pay your debt;     they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or     legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action. Debt collectors may not:     give false credit information about you to anyone, including a credit reporting company;     send you anything that looks like an official document from a court or government agency if it isn’t; or     use a false company name. Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:     try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;     deposit a post-dated check early;     take or threaten to take your property unless it can be done legally; or     contact you by postcard. Can I control which debts my payments apply to? Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.Can a debt collector garnish my bank account or my wages?If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt. Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.Can federal benefits be garnished?Many federal benefits are exempt from garnishment, including:     Social Security Benefits     Supplemental Security Income (SSI) Benefits     Veterans’ Benefits     Civil Service and Federal Retirement and Disability Benefits     Service Members’ Pay     Military Annuities and Survivors’ Benefits     Student Assistance     Railroad Retirement Benefits     Merchant Seamen Wages     Longshoremen’s and Harbor Workers’ Death and Disability Benefits     Foreign Service Retirement and Disability Benefits     Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.     Federal Emergency Management Agency Federal Disaster Assistance But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans. Do I have any recourse if I think a debt collector has violated the law? You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.What should I do if a debt collector sues me?If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights. Where do I report a debt collector for an alleged violation?Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.For More InformationTo learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad February 2009File complaints with Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enYour State Attorney General State Attorney General is every state they have offices Link to all State Attorney General Websites www.naag.orgIf you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.comThis special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!    Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

512-236-5451

20 Report Long ago Unknown
Did you ever determine if this company is legitimate or who they are??

512-236-5451

20 Report Long ago Unknown
A man said he was with Bernillio County and was processing a fraud claim on me.  Did have information on me.  Is this a debt collector who is falsifying where he is from?

512-236-5451

20 Report Long ago Unknown
B/c they are crazy that is why. They keep calling me say I owe something and won't give me any information. I have told them to get with my attorney and when you say that they just hang up. But they won't quit calling.

512-236-5451

20 Report Long ago Unknown
00

508-100-0000

40 Report Long ago Unknown
coming from st, pierre and miquelon, bc, calling and being called from my home number,

508-100-0000

40 Report Long ago Unknown
I get Calls from this number several times week.  I do not answer.

508-100-0000

40 Report Long ago Unknown
Someone needs to do something about these types of intrusive callers. They seem to have the advantage since they know a heck of a lot more about us than we do of them. Sounds like there's a lot more people who feel like I do. How can so many various companies come up when researching the same #? Every time I think I'm covered by a Do Not Call list of sorts, more calls manage to get through???? Any helpful suggestions?

508-100-0000

40 Report Long ago Unknown
Calls my house at least 5 times every day  It is a phony number no such number in MassachusettsSo who ever you are STOP Cause if I every find you your dead meat

508-100-0000

40 Report Long ago Unknown
Been calling daily, leaves no message. Comcast wont allow me to add this number to the call screening for some reason ?

508-100-0000

40 Report Long ago Unknown
They have been harassing us for months! How convenient the number is not a real number, cant b blocked or stopped? When I do a reverse lookup it tells me it's an invalid number, yet *69 says that is the actual number. Obviously govt. or phone company. a side note, my firewall shows daily repeated attacks from China to my pc. Anyone else have this?

508-100-0000

40 Report Long ago Unknown
858pm called and didnt leave message, they have been calling for days.  so sick of this

508-100-0000

40 Report Long ago Unknown
Just received at 856 pm. Did not answer

508-100-0000

40 Report Long ago Unknown
upun redial number out of service must be a scam

508-100-0000

40 Report Long ago Unknown
They called and asked if our name was so and so my husband said yes and they hung up.. Sick of these freaking calls. We don't owe any bills so I have no idea what this is.

508-100-0000

40 Report Long ago Unknown
508-100-0000 is calling here also, scam calling, no message no answer....888-322-8209 is another scam call, calls twice a day.

508-100-0000

40 Report Long ago Unknown
Just received a call from this number. I did not answer and never will. Make them stop!!!!!!!

508-100-0000

40 Report Long ago Unknown
Received a call from this #.  No message left.  Am on the DNC list  Annoying!  ID: massachusetts call

508-100-0000

40 Report Long ago Unknown
harassing, rude and called at 9;pm

508-100-0000

40 Report Long ago Unknown
No idea...they would not tell me how they got my # either

508-100-0000

40 Report Long ago Unknown
They've called for several days in a row. They told me they were chimney sweeps...and I asked them to take me off their calling list. They're still calling!

508-100-0000

40 Report Long ago Unknown
New phone no. to me - did not pick up - looks like a phony number and name ID: Massachusetts

508-100-0000

40 Report Long ago Unknown
Just received a call.   From Centreville VA.   Said they were thanking me for my previous support of the Herritage Foundation.....I've never heard of or supported it....told them to stop and take my name and # off their list.

508-100-0000

40 Report Long ago Unknown
i did not pick up the phone. there was no message on the answering machine.who would it be?

508-100-0000

40 Report Long ago Unknown
Who is this and why are they dialing my number?

418-476-8212

6 Report Long ago Unknown
Afficheur 418-476-8212 C'est le bout de la marde , un politicien qui sollicite de l'aide $ , un parti pourri en plus, non mais c'est quoi c'a??? j'en ai rien à foutre ne me rappeler plus svp!!!

418-476-8212

6 Report Long ago Unknown
J'ai été très insultée de recevoir par 2 reprises des messages sur mon répondeur téléphonique de la part de M. Jacques Duchêsneau,  me quêtant la somme de 20.00$ pour son foutu parti politique la CAC.... Et ceci... soit disant ...pour l'aider financièrement à résoudre les problèmes de corruption au Québec....!!!!   Est-ce un genre de surprise/surprise par téléphonne cette histoire-là...!   Décidémment... j'aurai vraiment tout entendu de ces idiots de politiciens-là en cette fin d'année 2012....!  Quelle farce...!!

418-476-8212

6 Report Long ago Unknown
Message enregistré de Jacques Duchesneau sollicitant de l'argent pour la CAQ et quand on rappelle le # on rejoint encore une boite vocale.

418-476-8212

6 Report Long ago Unknown
Message enregistré de Jacques Duchesneau sollicitant de l'argent pour la CAQ.

418-476-8212

6 Report Long ago Unknown
Sollicitation 20$ pour le parti politique ¨CAQ¨

418-476-8212

6 Report Long ago Unknown
Un message de Jacques Duchesnaux de la CAQ, aucune idee c'Est quoi on a raccrocher

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