An man by the name of Eric Davis with Greenburg, Dunn and Associates.  Said he had a possible legal matter to discuss and he had my SSN and drivers' license number.  He couldn't even say my name correctly.  The number is 404-963-9752.  If they can't get the name of their company right....

Got the same call this morning. They contacted my ex and said his SSN was used with my son's name. They told me it "popped up" when info was put into computer. "They have access to anybody's information like the police do. The name they gave was "Greenburg, Stein and Associates." Would not send a copy of supposed debt. "That company is not involved anymore" Threatened to suspend the driver license, put a lien on the car and tried to bullied me. Would not give them my debit card # and they got nasty. Phone # was 404-963-9752. Said they have a local office to where we live but how could they if they are in Georgia and I'm not. Will be calling the police since they are apparently this area.

I received a call from phone number (404)963-9752 stating that they were about to take me to court if I did not send them $680.00. I was informed that they don't accept Money Orders or any type of checks. It could only be pulled from a debit card. That's when I became suspicious.

I revived a call from mr Davis and and someone by the name of agent council they called my mother and left a nasty message saying that i need to contact them asap or they where going to sue me the debit is for an old account and yes I do  owe but should I still pay them because they went about it the wrong way and he also said that when I finish paying that they will send me a paid in full letter

Just recieved a call from these people! making threats!

Don't send another cent to these extortionists! Don't give bank info either. If they already have it, change your account ASAP! They're robbing you.

DEMAND they send you Written Validation of the debt and refuse to discuss anything more with them.

SEND a Cease & Desist letter by Certified Mail so if they keep calling you you can sue them.

If you don't think the debt is valid, for heavens sake, DON'T GIVE THEM ANY MONEY!

several weeks ago I received some threatening phone calls from a Mr. Davis at 4049639752.  He said he is with CAC Financial, Greenstein and Associates.  He said I had a payday loan in 2005 that I did not pay and I owe them $1200.  He called old friends, my family and even my husband's hunting camp and left messages about me not paying my bills and I am going to be sued, taken to court, or garnish my money to pay this payday loan.  I finally called him because he scared me and Mr. Davis stated I needed to settle this account asap.  I retired in 2008 because of health reasons and live on a fixed income.  I don't remember taking out a payday loan in 2005, but when I asked him for proof he told me to look it up on the internet.  I did without any luck.  He consistently called my home, cell phone, my family and friends about me.  I finally called him to find out what is going on.  He said that I need to settle this account asap.  We agreed on $150.00.  I have already paid him the $100 and the remainding amount will come out the end of the month.  A few days later I get another call and he tells me I have another payday loan and I need to settle both.  He is really scary and harassing my family and friends.  I finally agreed to pay him $250 for both payday loans.  Like I said, I have already paid $100 and the remainding amount of $150 is suppose to come out at the end of the month.  I am afraid to stop payment on the last payment because I am not sure of the problems it will bring.  I don't have money to throw away, but am scared.  I don't want to be sued, go to court or garnish my money.  I asked for phone number of these companies, but they cannot furnish any.  I am not sure what to do.  I have filed a complaint with FTC and the Attorney General, but no response as of yet.  I am not really sure what I should do.  I don't want anyone to get hurt.

GREAT THAT YOU KEPT THE MESSAGES - PROOF IN COURT

they are DEBT COLLECTORS - NOT ATTORNEY'S

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=7760
Greenburg, Stein & Associates, LLC  
1797 NE Expressway, #250
Atlanta, Georgia, 30329
--------------------------------------------------------------------------------
Phone No.  678-701-9581 877-278-5598 404-963-9475 800-809-6996 678-701-9302  
Fax  

Notes
Payday loan collectors using threats and claiming to have authority to file lawsuits.


No license or bond found anywhere we checked.  (NO LICENSE - THEY CANNOT COLLECT) check your states SECRETARY of STATE website to see if licensed



THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

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/First.htm    
    
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

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

I hav had threatening calls from this agencey and messages left on 3rd party machines hav turned them into a lawyers office i hav saved all messages from all machines they hav left messages on

I had a call this afternoon from these people. They wanted to inform me that I was about to be turned over to an agency because of a judgement. I hung up and called the number. I informed them of the message and told them I wanted to check the name of the business. They called it Greenburgh and Associates. They asked who I was. Did I have a case number? I informed them that there were no judgements and that I would find a way to report them.