I had my son at a doctor's appt, and I saw this number call me. Seeing it was a local call, and thinking it was a specialist call, I answered. The guy started talking about debt. I told him I didn't have time to discuss it, because I was busy with a sick child. Then, he very snottily lectured me that it wasn't his problem, I'm the one who chose to answer the phone, and then continued on with whatever he was saying.
I get a voicemail at least once a day on my cell. If I send them directly to voicemail they call back again.
I started a new job and they found my number here, and they call here constantly, and I answered it one day, they said they had papers to serve me, and they were taking me to court. I told them I am at work, and any personal calls can be called on my personal phone and hung up. They continued to call my work after I hung up on them.
They can not harass you, it is against the law!!!
The phone number is for CAC Financial. They call and do not leave a message. They have turned a $15 debt into the credit bureau that I have already paid.
I work for an attorney and no one here has heard of Murphy Law Firm, nor can I find a listing for Murphy Law Firm with that telephone number matching. So, they will not receive a call back
Received a call from Brandy. Assumed it was a bill collector. I've been having financial issues including repossession and bankruptcy.
Tell them to stuff it!
Under the FDCPA, you have the right to dispute the debt..
They have to PROVE you owe the debt, not you.
Go to ftc.gov and read the FDCPA.about your rights.
Your house payment comes first.
Got a call from that law firm and they wanted me to pay them and not my house payment. I not working and getting food stamps and they told me to pay yup within 72 hours or else.
I AM LONELY, SO I LOVE COLLECTION AGENCIES. I CALL AND PESTER THEM. I CALL AND SAY "HAVE NOT HEARD FROM YOU IN A WHILE, MISSED YOU, JUST WANTED TO MAKE SURE YOU HAVE NOT FORGOTTEN ME". SOME TIMES I TELL THEM TO COME OVER AND WE WILL WORK IT OUT MAN TO MAN, BUT IF YOU COME YOU HAD BETTER COME PACKING HEAT. 45 ACP, FOR WHEN THE DEBT COLLECTORS COME.
called, left a message from murphy law firm. never heard of them. not calling her back
This is a phisher scam. It shows up on my phone as a WIRELESS CALLER and they called at about 5am this morning! If you give ANY information to them, then it's your own fault because chances are, they will rip you/scam you.
NEVER give your personal information over the phone and ALWAYS ask for it in writing.
Got 3 calls in a matter of 2 mins. Was driving so i coildnt answer. By the time i stopped 5 mins later i got 12 additional calls. This is harrassment! Last week i got 15 calls in one day, finally answered and they had a wrong # and person. I have told them this over and over but the calls keep coming! reported them to the FCC
Got 3 calls in less than 2 minutes. Was driving so i couldnt pick up, by the time i finally stopped less than 5 minutes later they had called 12 times! This is harrassment. They called last week 15 times in less than 2 hours and i answered all 15 times, told them wrong person and that i have had this # for years but they dont care. I told them i was reporting them to the FCC and i have.
This company has repeatedly called my cell asking for someone who I don't know. I have told them several times that they have the wrong number but they keep insisting they're right. Umm...I think I know who owns the phone I'm holding in my own hand.
They call my Cell phone so I simply got call blocker Pro and now
everytime they call, I never hear it ring.
I will pay my bills when I can pay my bills no sooner...LOL.
Enjoy, worth the $9.95 I was going to pay them, but since they are so
rude, they deserve every bit of it.
I just got a call and message from this number. It is a collection agency for an account I got behind on. I've talked with someone else from this company based where I live. Did not recognize the number and didn't answer but they left a message.
pi$$d off at bill collectors
this company called our house, asking for my fiance's ex wife....I had no clue who it was till I looked here. Now WE are getting phone calls on HER bills....ridiculous.
Morgan's people are awful. I have had a lot of tough times and it seems like they are looking at my credit report to find things to sue me for. They did take all the money out of mychecking and attached my house. And they would not settle for anything less. The cost went up like $40 a day until I paid. And when I sent a CC, it was $40 short and the wouldn't accept it. Also Integris turns accounts over at only like 3 months late to them. Not going back to the dr
why go postal just go bill collector ,sit in the parking lot follow one home and then start calling at all hours it works
here in okc
heres all their info... start calling them and give them hell.
ive worked for them all i can say is if you have a credit card w world financial network bank or worldbank as they call it , then I feel for ya! the 400lb sweaty guy will call you and threaten to come to your house (yes even in a different state, he states he has "people" ) and jp will walk by his desk and give him a thumbs up. jp is a sick rich man. sick sick sick little man.
The Oil Center, Suite 205E
2601 Northwest Expressway
Oklahoma City, Oklahoma 73112
Statement of Practice
Litigation Practice, includes Collections, Commercial Law and Creditor Rights Law. State and Federal Courts.
Year Established: 1987
Firm Size: 6
Bank of America
GE Money Bank
Mapco Products, Inc.
Oklahoma Gas & Electric
Phillips Petroleum Company
St. Anthony Hospital
Valero Diamond Shamrock
World Financial Network Bank.
reba in okc
fyi jp morgan and assoc has about five different collection companies from this one location. they collect vigorously for all the dept stores in certain malls all over the country. maybe its simon? but the man who handled that sat at the end cubicle and screamed all day. things like i am going to show up at your door and kill your dog... i couldnt believe what i was hearing and he is actually paid more to do threaten these things and jp himself is aware of the practices there. also I personally was told to call a man on ssi disability and had medicare. he had a heart bypass or replacement...i cant remember which but it was $80,000.00 and he lived in a trailer park in the next town. medicare had okayed his surgery and after the surgery they denied payment so jp's group had me call this man daily to ask for the money and to work out payments... i finally told him not to answer calls from this number anymore and set his acct to not be looked at again for two yrs... i quit before they noticed me not harrassing people to the full extent of jp morgan.
reba in okc
after answering the phone call the lady states she is from Morgan and associates and is calling about a bill from a hospital... I used to work at morgan and assoc, I am ALL TOO AWARE of their illegal and questionable practices. when I was hired in as a medical coder they had me doing collections on the phone for the first four weeks stating that this was my training period... that made no sense so I quit after one month. so when the unidentified female said she was calling about a bill from a local hosp I asked what bill? she said oh um its from a dr um.. daego... yeah um dr daego , i said is this a joke (I have a very Italian last name) then I told her the only dr bill i have w that hospital arose from what is now the great yaz lawsuit and she said look i dont know who the dr is but you dont have to be so hateful with me!!!! i just laughed and hung up the phone... the sad part is morgan assoc is the great jp morgan who owns the oil center buildings on the expressway where this office calls everyone from and jp morgan is bigger than all lawfull practices. when i worked there a few yrs back, i called a man and he said that me calling him w another business name on the caller id was false representation to get people to answer assuming it was someone other than who it was and i had to tell my bosses about it. cathy and someone else and they had a frenzy about it.. now it says unknown caller so i guess jp had to stop that.
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.
COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers. THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY
Dealing with debt collectors
Statute of limitations by state ? always double check directly with your own State Government Website
Recording calls from debt collectors ? always double check with your own State Government website
From FEDERAL TRADE COMMISSION WEBSITE
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.
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
Civil Service and Federal Retirement and Disability Benefits
Service Members? Pay
Military Annuities and Survivors? Benefits
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.
I got a call from this "law office" also. The women's name is Anita Hill. She trys to call and act like she is a friend of yours when she asks for you. She sounds like she has a 5th grade education. Tell me something I don't know, I owe you money. I pay you $50 a month if that is not enough, oh well. I can't grow it...
I have also received phone calls from this "Law Firm" if you keep getting affended or bother call the Attorney's Genral office in your city and they will send you a compalint form. Go ahead and let them know about the abuse if they have been as bad with you. The office does not take personal complaints but enought complaints from us actually reflects towards this "Law Firm" and actually the Attorney General's office will take action towards Morgan & Associates. Remember we have rights...yes they made me cry and said they will sue me!
They keep calling me at work for an account i closed 2 years ago. They call me so often and once i even got offended...I mean she leterally laughed at me for not having an extra $30 a month and also threned to sue me. So now they keep calling offering a cut on the debt at 50% i mean i will not ruin my credit for $98 i asked for an adress to send them a money order and kept bothering me for my account number, i refused to give her my Checking account number and she hung up!
they knew my name and asked to speak to me. they had a horrible accent and the person said their name was anita hill.
3:08 pm 17Dec08 a female called asked for some guy. me and hubby live here alone.lol no guy here, she hung up.