The persons calling me from this number 205-419-8979 told me that they were West Asset Management, LLC..West has had several complaints and lawsuits filed against them recently. It may be possible that someone is either lying to us to frame West or West gave you another name to get you to comply.

Collection agency for Orchard Bank and HSBC/

Carlos,
According to guidlines put forth by the Federal Trade Commission, debt collectors (which is who is calling you) are not allowed to place calls before 8:00 a.m. or after 9:00 p.m. local time.  File a complaint against them with the FTC.  This can be done on the Internet at ftc.gov or by calling them at 877-382-4357.  The name of the company is Ameriquest Recovery Systems.  You may not be the peoson who owes the money.  These crooks troll the Internet phone listings.  They also have access to unlisted and cell numbers.  You should also send them a cease-and-desist letter by certified mail, return requested.  Mail a copy of the letter to your state's Attorney General.

They called my phone, no one speaks

ARS collection agency

the person they want doesnt live with me.  needs a no-call activation put on the number - its gettting annoying.

i woke up today (my day off) when i wanted to sleep in at 6:30 and had a call from 205-419-8979 i did not awnser it do to now knowing who it was only to be repedidly caled during the time of 6:30 and now (7 times) is there a way to block that phone number?!?!?!?!?! its getting annoying




the nuber sayed "unknown name"

i had multiple ppl call my house looking for a caolyn good who ever that is it is not only 205-419-8979 its other numbers how do i get them to leave me alone. i dont know a caolyn good and the last lady that call said." hi, may i speak with carolyn good. i said i'm sorry i dont know a caolyn good. the lady said well do u have another number for her? i said you have the wrong number. then she said we will call you back later and hung up on me. wtf? i want them to stop calling.... if any one knows how to get them to stop e-mail me katlynsmommy06@yahoo.com plz

I received a call this morning from a female who did not give me her name.  She asked for my ex-husband.  I informed her that my ex doesn't live at this number and asked how she got the number.  She responded that he (my ex) had completed and application with this number as a contact number.  I told her she was lying because my ex-husband has a brain injury and can't fill out an application and surely doesn't know my new number.  I continued to quiz her as to how she got my number, she hung up.  I really would appreciate it if whoever this is wouldn't call my house asking for my ex-husband, especially since I am remarried.  My husband definitely will not appreciate someone calling our house for my ex.  Thank God I'm the one who answered the phone!!!! - I got the number off of my caller ID and have been calling the number back, they won't answer or the line is continuously busy.

called looking for my ex-husband of 20 years ago who has never had this address or phone number.

Harrassing

here is the information on ARS - Read all the info on how to deal with these collection agency and their illegal collection tactics (dealing with debt collectors, statute of limitations and recording calls)  and how to report them to the FTC and AGs

Ameriquest Recovery Systems, LLC (ARS)
Richard DeJana

126 N. Meridian Rd.
Kalispell, Montana 59901

--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

COLLECT AMERICA FRANCHISEE

Here is how this group of 'Legalized Racketeering' works:

Ameriquest Recovery Systems, LLC (ARS) is owned by Ed Reiner, Joseph Reiner, Bob Peterson, Ed Reiner JR, and Tony Reiner. They have the franchise agreement with Collect America, they are the ones that purchase the debt. ARS is a "client" of DeJana and Associates (RDA), in their client agreement ARS is to pay all the overhead for the Law Office and supervise the Law Office Personnel as it pertains to the "collection" of ARS accounts. None of the collector/paralegals ever do any legal work for DeJana, they only collect for ARS. Then on a monthly basis, DeJana gets a % of the recoveries. DeJana does not supervise the collectors, they are supervised by ED, Joseph, and Bob. DeJana has almost nothing to do with the collections process or daily operations. Collect America routinely sends people out to audit RDA and gives seminars and the like to the franchises.

ED, Joseph, and Bob are horrible they treat their collectors like they are dirt and they direct their collectors to treat the debtors like "scum."

RED FLAG! STAY WAY....FAR AWAY!!

One more wasted law license lost to a greedy, ambitious debt collector who preys on consumers with his attitude and goons. It makes me wonder if perhaps our law schools are too lenient in their approval of potential law candidates. How does a law license get wasted like this??

Keep DeJana far away from your money by using the FREE cease-comm letter.

If necessary, file a complaint with the Montana State Bar:
http://www.montanabar.org/

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This 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

Debt 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/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If 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 Information
To 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

They asked for me (using my real name) saying that they were from ARS and it was a personal business matter, when I told them I was not in (I don't know these people! I'm not about to talk to them!) they got aggressive with me and said, "Of course she's not in, you just said she was!" so I said, "Whatever!" and hung up.

I do not know WHO ARS is. I've never been in contact with such an organization in my entire life. When I tried to call the number back I got a very swift busy signal, but the caller did not sound local (I know how a local call sounds, I'm from the south, people have accents, they're bad at covering them even during business calls.) so whoever this is is somehow masking their real phone number.

I don't appreciate having my breakfast interrupted, I really don't. I hope we get to the bottom of who is making these calls really quickly.

Someone called my mother's house asking for me (I haven't lived there in 13 yrs). He said his name was Mike Bang.

2054198179

They called my cell phone asking for my fiance...they said they had this as his home number which is BS because no one has my cell number.  They wouldn't talk to me, then hung up and I have no way of getting back with them.  I did call my phone company to follow up on more info of who it was, they said it was "Level Three Communications" from Alablaster, Alabama.  Whoever it is, better stop calling my phone.

missed call.