I keep recieving calls from this collection agency

I received a telephone call today from a Monica. She wasn't rude but wasn't nice, but somewhere in between. She managed to keep me on the line long enough to work out a payment arrangement and help me find a way out of a debt that was hanging over my head for a long time. She asked me to go online and rate my experience I had with her on any website where I could submit a rating. I promised her I would as she kept the conversation professional and was very democratic about everything.

I spoke with a very friendly representative who helped me resolve all of the issues at hand before they were blown out of purportion.

I received a letter from them a week ago stating that I owed 389.74 to a group called DJR group LLC. I have no clue who that is?? They want my credit card information so I can pay this off.

It's a debt collector called United Management Associates.   Here's their website: http://www.unitedmanagementassociates.com/

Be careful dealing with them because I think they are a scam bottom feeder debt collector.   They called me on my cell and then at my work #.  When I called them back it was in regards to a debt from over 5 years ago which I'm pretty sure I had paid off.   I asked them for debt validation which they said they did not have to provide and that they didn't have original documents.  That's against FDCPA laws.   A company has 5 days to provide you with debt validation.  I then asked them to stop calling me at work and the person stated that I would have to submit that request in writing which is also against FDCPA laws.

Don't provide them with any info until they prove that they own the debt.  If they persist on calling you send them a debt validation & cease and desist letters by certified mail.  That's what I did and I have not heard from them since.

Susan,

I don't know what you are talking about.  They are a scam or bottom feeder debt collector who does not follow basic FDCPA laws.   Either you are lying or you work for the company.   They called me about a debt from over 5 years ago that was paid off.   When I asked for them to send me debt validation they stated that they did not have to which is against the law.   A debt collector has 5 days upon request to send debt validation.   They also stated that they do not have copies of the original contract which most likely means they don't own the debt.  They said they would send me a copy of the bill(not debt validation) which was basically saying what I owe with their company's name on the header.   They never sent that letter anyways.   They were also calling me at work and when I asked them to stop because I'm not allowed to receive calls at work they told me that I would have to submit that request in writing.  Again, that is also against FDCPA laws.   Once a person requests that you cease contacting them at work they have to.

Eventually I sent them a debt validation letter and cease and desist letter by certified mail.   I've yet to receive anything back from the post office saying they received it but I have not been contacted by them since.

My advice is to ask them to send you debt validation to make sure they are the company who now owns the debt.  My guess is they can't produce it.

It isn't a scam! They are very legitimate and they saved me from a scam that I was almost taken advantage of. They mean business by all means -- but are very friendly at the same token.

It is a scam. Do not give them any information!!!