Junk call.  Called my cell after 8:30PM.  I thought sales and collections calls cannot be made after 8PM or 8:30 at the latest.  

Called them back didn't get company name, just a sales call...

Just got a call from this number and they were very secretive before they finally asked me for a David Something, I informed them that I did not even know anyone by that name and they said they would take my number off some list.  I tried to ask where did they get my number from in the first place and the woman hung up before answering.  Something about this seems fishy.  She told me she was going to transfer me to a department but the same person picked up the phone, and she asked me for my number instead of my name when I called back informing her that someone had just called me from this number.

There are 5 companies connected to the Houston office server and all on the backup servers in new york, they are Pentagon group, lvnv funding which I have read changed it's name and is operating in Colorado, resurgent capital services, capital management services and credit one bank, finding all this took weeks of calls and number trace for accurate and digital router lines, without switching, these are direct, hope they try to pull an Enron but even if they reformat the hard drives the proof is still in the hardware and ya can't shred this particular piece of equipment, I'm about to get my lawyer.P

got a phone call this morning 6-15-09 from 241-210-7058 and this is a call forwarding from my office to my cell phone.  with a recording on please wait you are being connected to one of our representatives, the a bit later came back on saying please wait onme of our representatives will be with you in just a moment.  that's when I hung up.

I was totally confused as to why these people kept contacting me, so I tried calling them back & just got automated recordings from a company called Pentigroup Financial.  I don't have any outstanding debt, so seeing that this is happening to other people assures me this is a scam.

This number called my office this morning and a woman asked for "Juan". When I started to say there is no Juan here, the woman hung up on me mid sentence. I immediately called the number that popped up on my caller ID back, and the same woman answered "Hello?" I knew it was the same woman who hung up on me, and I told her that someone just called my office and hung up on me and I felt it was rather rude. She gave me some line about how the numbers are automatically dialed, etc. But I could tell hear the guilt in her voice, and I'm sure she knew that I knew she was the one who had rudely hung up on me. I was kind of surprised someone actually answered. Guess I called back fast enough for her not to get the recording thing set up lol

pentigroup financial, they call but never leave  message

This number calls my ell numerous times during the day. I am disabled and On SSD and have no idea what they want from me. They have mentioned Dell, but that was a BS bill and was taken are of years ago. I think I will call the AG in my state, since I am on SSD they can not touch me anyway but I am really tired of these calls with no one there.

Collect America   CACV & CACH (Separate Corporations, Subsidiaries)
370 17th Street, Suite 5000
Denver, CO 80202-3050
Ph: (303) 296-3345
Fax: (215) 281-7522

Phillip Scott Lowery Offices:
(Private Law Firm Owned by Collect America's CEO)
4500 Cherry Creek Drive South
Suite #700
Denver, CO 80246

Web Address: http://collectamerica.com/
Phillip Scott Lowery
Brian L. Johnson  (Financial Officer)
David L. Michael
James R. Wolf

Collect America, LTD (Div KRG Capital)
fka/P. Scott Lowery Law Offices
aka/(CACV, LLC) & (CACH, LLC)
dba/CA Holding, Inc., Astrum Financial, LLC,
Autus, LLC, Argentum Resources, LLC,
CA Internet Marketing, LLC, Candeo, LLC,
Guardian Financial Corp.,
Healthcare Funding Solutions, LLC,
Impulse Marketing, LLC, Orsa, LLC,
Refinance America, Ltd., Valesco Data Services, LLC
(with call center in INDIA)
4500 Cherry Creek Dr. S. #700 Denver, CO
370 17th Street, #5000 Denver, CO

One of the largest debt buyer organizations in America  In 2005, Collect America owner Phillip Scott Lowery reportedly sold his operations for $350 MILLION to an organization called First Analysis Private Equity Fund IV, in collaboration with co-investor KRG Capital.

The Collect America system is comprised of approximately thirty franchisee?s across the country, with an attorney name on their door. Some of the attorneys such as Sam W. Streeter of Houston, have been dubbed ?Rent-A-Lawyers? due to their total lack of debt collection law and Fair Debt Collection Practices Act (FDCPA) experience.

*Collect America Franchisees:

Pentagroup Financial, LLC, James J. Thorpe, Attorney, Houston, TX
(represents CACV & CACH)

Law Office of Sam W. Streeter, Houston, TX
Richard G. & Catherine A. Neuheisel Law Firm, Tempe, AZ

Neuheisel Law Firm, Deborah Sue Harvego, Sacramento, CA

Law Office of Thomas K. Bamford, Dallas, TX

Harold E. Scherr, Attorney at Law, Longwood, FL

Bronson and Migliaccio Attorneys, Williamsville, NY

Bronson and Migliaccio Attorneys, Elmwood Park, NJ

Phillips and Cohen and Associates, Westampton, NJ

Law Office of Larry Roach, Copley Twp, OH

Phillip Scott Lowery P.C., Denver, CO

Law Office of Joe Pezzuto, Phoenix, AZ

Law Office of J. Anthony Cambece, Boston, MA

Workman Law Office, P.A., Jacksonville, FL

Collect America, LTD, Denver, CO

Gamache and Myers, St Louis, MO

P. Scott Lowery, P.C., Tulsa, OK

Law Office of Wilfred E. Briesemeister, Montclair, CA

Harrison Ross Byck, Morrisville, PA

Daniels & Norelli, P.C., Westbury, NY

Davis Law Office, Russell A. Davis, Solana Beach, CA

Richard DeJana & Associates, Kalispell, MT

Dennis Michael Dendy Law Office, Gretna, LA (Houston TX)

Daniel N. Gordon, P.C., Eugene, OR

Mims, Jerry M., Attorney, Islip Terrace, NY

(*May not accurately reflect all franchisees)

Since the sale of the main organization, Denver Attorney Phillip Scott Lowery and his collectors that include attorneys David L. Michael and James R. Wolf have relocated to the Cherry Creek Drive address. Scott and wife Texie were rumored to have moved to Vail, CO, however he reportedly still is involved in the day to day operations through brother Arthur Todd Lowery.

CACV of Colorado, LLC. which stands for Collect America Collection Vehicle and CACH, LLC  are the debt purchasing arms of Collect America. Lowery and associates reportedly purchase these accounts for pennies on the dollar, then attempt to collect on the full value.  Collect America does place these accounts on credit bureau reports under the names CACV, CACH and Collect America. Under provisions of federal law, the Fair Credit Reporting Act (FCRA), they may NOT stay past the date of last activity as stated by the original creditor and the information and amounts reflected MUST be accurate, as stipulated by federal law.

The ONLY thing that can restart a ?date of last activity? is by YOU making a payment, Collect America cannot change it under any circumstances. You should always obtain copies of your credit reports directly from the credit bureaus to compare those dates. You have the right to dispute any debt buyer account found on your credit reports as ?Not My Account? with the credit bureaus. Always keep copies of credit reports for reference.  If  a date of activity has been changed in violation of the Fair Credit Reporting Act,  you may be able to take legal actions against whomever in federal court for violating the law. Contact me for referral to a local consumer law professional.

If you are ever sued by a Collect America attorney it is VERY important that you respond to that suit.  

http://www.budhibbs.com/collectorpages/collect_america_cacv.htm

Recieving calls from 240-210-7058 caller ID says PENTAGROUP. Valled back and it is a real estate group. They said they have been getting callbacks from people with same complaint,  Checked on l0ocation of this phone number and its in Maryland. Pre-pay phone apparently.  Just want to share with all, 2010its still going on. Pentagroup Financial (handles DELL) was told by me today and said never heard of such a thing.  then still wanted to talk about bill from dell! BE WARE

Called my office today and asked for one of my employees. Caller ID said "Pentagroup", which is a collection agency, according to google.

dealing with debt collectors

DO IT CORRECTLY -

This is information they ABSOLUTELY DO NOT WANT YOU TO KNOW!  They prey on those who do not KNOW WHAT THEY ARE DOING IS ILLEGAL!


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 2009

240-210-7058 called my cellular phone.  I subscribe to a caller ID package that says the name of the caller on the cell phone.  Pentagroup Financial.  They have a history a mile long on collections with companies like Dell Computer, CPS Energy, Reliant Energy, Time Warner Cable, Many Bank Charge Off Accounts, and ATT Wireless.  Just some advice.. Don't speak with these people, and block thier calls if possible.  They are very unprofessional and enjoy harassing whom they call.

Recieved a phone call from this number, I answered because it said "cell call" on my phone....no one was there. Came here and see that I've been added to the list of people they are trying to scam.

Ridiculous! stupid phone, noone answers and then when i call back they are stupid and bitchy! do not answer! just report it!

I received calls from a different number before I blocked the number just a few days ago. They are now using this number to contact me. I'm going to block it as well. It's a SCAM

I HAVE NO IDEA WHO THESE PEOPLE ARE. I THEY
CALL AGAIN I AM GOING TO REPORT THIS NUMBER
TO THE FCC.

I get 4-5 calls a day from this number and no one ever answers when I say hello.  It's getting old very fast.  You would think if they were a legitimate company they would want to speak to someone wouldn't you?

you have to be proactive on these things if you had a dell bill or whatever and you paid dell. but dell had already turned it over for collections then you need to make sure that dell lets the collection agency know that you had paid it. I counts against your credit and yes it is dells fault for not relaying the message to the collection agency

got a phone call this morning 6-15-09 from 241-210-7058 and this is a call forwarding from my office to my cell phone.  with a recording on please wait you are being connected to one of our representatives, the a bit later came back on saying please wait onme of our representatives will be with you in just a moment.  that's when I hung up.
Caller ID: 2402107058

they call, I answer and do not speak.  they hang-up

Pentagroup called from 240-210-7058.  They called last week from #434-533 9044.  This time I answered and told them if they call my home number again I would turn it over to the Federal Communications Commissionand hung up.

I had a missed call from this number.  When I called back, a woman answered and did not identify herself or the company, just said "Can I help you?"  

I told her that I'd missed a call from that number and asked what business I was calling.  She mumbled something that sounded like "Country Group" and asked for my number.

I refused, she said "I'm sorry, I can't tell you anything else unless you're a member here."  I didn't fall for that.  Then she tried again to get my number, saying that she could take my number out of the database if it was a wrong number.

I refused again, thanked her for her time, and hung up.

please remember folks; DISPUTE THE DEBT IN WRITING VIA CERTIFIED MAIL! or else these bottom feeders will put it on your credit report.

they call and don't leave a message; i believe its from a debt on which the statute of limitations has expired to collect (over 5years).  i'll never pay them.  F$%K them.

Automated message that was a bit garbled and left out key parts such as to whom the call was directed and the number one should call back. I too had a bad experience with Dell a few years back. Apparently these bottom feeders purchased a list of people who suffered from Dell's marginally legal corporate practices (recently the AG in Tx settled for $3.9 mil for a range of "consumer complaints"). Texas is notoriously pro-corporate/pro-business (see "Bush Adm."). Unfortunately the settlement only covers more recent cases on or after April 1, 2005. Best strategy, in my opinion, ignore them. Don't answer or just pick up and hang up when they call.

i just got off the phone with these people. They are going by the name PENTEGROUP FINANCIAL. They told me i still owe relient energy $800+ even though i have not lived at the address in over 3 months and paid the debt about that long ago.

I just got a call from these ppl. Did not answer as I screen my calls...very carefully. I also do not call ppl back if I don't know who they are or don't recognize the number. They left a message but did not state who they were looking for.

they call me everyday asking for ronald dotter....

i have no idea who ronald is.. and i am most definately not him!

and they call my cell phone! why do they have that number? and why do they think its ronald?!

didn't answer