dont talk or is rude I do not know what they are talking about call late at nite 10pm  6am I need it to stop

I must have lucked out my caller is Lennie asked for the same women they were calling about when there scam was Revenue Canada...like a prior caller my number is new and unlisted..returned the call and somewhat unpolitely told him what he could do with himself..hope this gets me upgraded to michael gair so I can advise him as well

Called twice in a row..I guess they figured I'd pickup the second time... Call from a Tory Harris asked to call back at 1-877-412-4151 ext. 5608.  Voicemail says blocked number but my cell ID'ed it as 1-416-932-4500.  Get call block app and add them to the list. Tell your friends you dont answer unknown numbers and leave you a message for you to call back.

Received a call on my answering machine and couldn't understand the person when she left a call back #.So, when I did *69 I got the 416 #.couldn't understand the source

well... i'm not behind in anything and thay number called me..so screw that BS. Got blass

Calling to want to speak to the business owner and want to leave a important message. and very rude. strange! Just forget about it.

NCO still at it.

416-932-8326   - supposedly a collection company

f this is a collection agency ,,  as is reported by many,,,  I, too, am a victim of a company Looking for someone I have no association with --  but sharing a name ( there are "three" of us with the same name in my area )  of which one of them has a daughter who used to have bad credit.

BUT  when they first started I had an ambulance bill which the company handling their bills had sent me a letter  - prior to them finally getting the bill straightened out -  that they were going to send it to a collection agency.  So that is what I thought it was about.

I called this COMPANY  and they deny this -- but that is when the cals started and they are continually  -if this is a collection company call.  

Regardless -- I have NO asssociated with anyone who has bad credit, I Dont have bad credit   and I will block their numbers if they continue.

Some phone and cell companies allow you to do this, without charge.  Also, some phones allow you to do this -- check it out!

As for where they get these names and numbers --    internet!!
     You can easily find all kinds of numbers and "associations" on the internet --  and you should have this info REMOVED when you find it -- including your phone number!  

And why using your OWN name on FACEBOOK or any other place on the internet is so FOOLISH and DANGEROUS  if you value your privacy and identity, cause this is how it starts -  by gathering info!

Call the FCAC and report them. the banks that they work for will get large fines as the FCAC is cracking down on banks and the organization the hire to collect Debt.

You dig your grave, you lie in it. Things change in people lives but come on every one of you knows there are those certain weak moments where you make poor financial decisions. Credit isnt a bad thing if you treat it the right and can, and does benefit many greatly. Just stop wanting more than you can afford, f*** luxury keep your families bellies full, then pay off your debts and dont screw up again. This doesnt apply to all, but most. You know who you are, and i honestly say this with positive intention. Credit is not welfare, to use money when you dont have it. Its to be used because you know you can pay it back. To whom this applies to please take the positive out of this and make some changes. For those that have real troubles i wish you the best and hope your financial future improves. God bless.

been calling numerous time over the past few weeks. They never leave a message.

4:26pm Apr 18
I received a call from this number - looking thru the postings here one would imagine this company is long bust?!??

It is NGO Group Inc. The company handles collection services among other things. Their offices are located all over Canada and the U.S. It is an outsourcing company, so you could get calls for collection regarding different services you have used in the past.

Awesome haha :)

Its a collection agency for AMEX - I filed for my BK and these guys still call.

Repeated phone call from collector and tell them the person not there but they keep calling 416-932-4500

Why would anyone let a call like this bother you? I certainly didn't. I call it selective call screening, if I recognize your number or name , I answer. Otherwise leave a detailed message or Get Stuffed! LOL!!

The cals are mostky at night, they dont leave a message only a melody. It is the phone number of a company... NCO Financial Systems Inc.
Caller ID: Risk Management
Caller Type: Collection Agency

Got a call from this number twice now.. no message left, but its on my cell phone while I'm at work. I just got this phone number. How did they get it?

We get the "Risk Managment" call at least twice a day. Its quite annoying. I've answered, gotten a person, kindly asked them to stop calling, and hung up, but they call more often now.

They are a collection agency.. for American Express among others..  they go by the name ONA or ONC.. I forget which..  They are merciless and don't give a damn about your rights..

I tried searches on the 416 number and there is no area code of 416 in America, the only place that turns up a 416 area code is Canada. Too bad because we were hoping to report them.

They call every morning and afternoon for almost a year now. First they called asking to talk to one relative and said he owed them money when we told them he doesn't live there, do they stop calling? Hell no! The next time they call and ask for someone else saying the same bulls***.

I don't know where or how the hell they're getting everyone's names and phone numbers, but karma's a b***h and its gonna f them up their butt holes big time.

This is the first call that's has been  received and wasn't answered. It looks that's a promotion company or a collection company.

caller "David Weston" was looking for my sister (we don't even have the same last name).  I don't know how they found me.  We don't even live in the same state!  He said it was a "business matter" and left his direct #888-217-9861 x5610.  I had no idea at this time who he was, and just told him I would forward the information if/ when I talked this person he was looking for.

He called asking for a friend and since I told him this is not his number, he said I have other numbers for my friend to call. I asked the caller what was this regarding and he said, this is NC0 (house of Pennsylvania).

Billick v. NCO Financial Systems, Inc.
Filed: May 16, 2011 as 1:2011cv01286
Plaintiff: Garry M. Billick
Defendant: NCO Financial Systems, Inc.
Presiding Judge: Richard P. Matsch
Cause Of Action: Fair Debt Collection Act
Court: Tenth Circuit > Colorado > District Court
Type: Other Statutes > Consumer Credit

Farris v. NCO Financial Systems, Inc.
Filed: May 16, 2011 as 4:2011cv04042
Plaintiff: Daniel Farris
Defendant: NCO Financial Systems, Inc.
Cause Of Action: Fair Debt Collection Act
Court: Eighth Circuit > Arkansas > Western District Court
Type: Other Statutes > Consumer Credit

Novitt v. NCO Financial Systems, Inc.
Filed: May 16, 2011 as 2:2011cv02361
Plaintiff: Morleen Novitt
Defendant: NCO Financial Systems, Inc.
Presiding Judge: Joanna Seybert
Referring Judge: William D. Wall
Cause Of Action: Fair Debt Collection Act
Court: Second Circuit > New York > Eastern District Court
Type: Other Statutes > Consumer Credit

PARCHMAN v. NCO FINANCIAL SYSTEMS, INC.
Filed: May 16, 2011 as 2:2011cv03169
Plaintiff: TIMOTHY PARCHMAN
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: CYNTHIA M. RUFE
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

POWELL v. NCO FINANCIAL SYSTEMS, INC.
Filed: May 16, 2011 as 2:2011cv03170
Plaintiff: SUSAN POWELL
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: J. CURTIS JOYNER
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

APICELLI v. NCO FINANCIAL SYSTEMS, INC.
Filed: May 13, 2011 as 2:2011cv03143
Plaintiff: CHRISTINA APICELLI
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: MICHAEL M. BAYLSON
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

DELOZIER v. NCO FINANCIAL SYSTEMS, INC.
Filed: May 13, 2011 as 2:2011cv03144
Plaintiff: STEPHEN DELOZIER
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: RONALD L. BUCKWALTER
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

Hudson v. NCO Financial Systems, Inc.
Filed: May 12, 2011 as 3:2011cv00289
Plaintiff: Danny Hudson
Defendant: NCO Financial Systems, Inc.
Cause Of Action: Fair Debt Collection Act
Court: Sixth Circuit > Kentucky > Western District Court
Type: Other Statutes > Consumer Credit

Owens v. NCO Financial Services, Inc.
Filed: May 11, 2011 as 1:2011cv00409
Plaintiff: Donna Owens
Defendant: NCO Financial Services, Inc.
Presiding Judge: William M. Skretny
Cause Of Action: Fair Debt Collection Act
Court: Second Circuit > New York > Western District Court
Type: Other Statutes > Consumer Credit

PERSELLO v. NCO FINANCIAL SYSTEMS, INC.
Filed: May 10, 2011 as 2:2011cv03075
Plaintiff: DEAN PERSELLO
Defendant: NCO FINANCIAL SYSTEMS, INC.
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

Johnson v. NCO Financial Systems, Inc. et al
Filed: May 9, 2011 as 6:2011cv00770
Plaintiff: Adam Johnson
Defendants: NCO Financial Systems, Inc., Unknown Agents of NCO Financial Systems, Inc. and Unknown Entity Known As Capital One
Presiding Judge: G. Kendall Sharp
Referring Judge: Gregory J. Kelly
Cause Of Action: Fair Debt Collection Act
Court: Eleventh Circuit > Florida > Middle District Court
Type: Other Statutes > Consumer Credit

Mack v. NCO Financial Systems, Inc.
Filed: May 7, 2011 as 1:2011cv03057
Plaintiff: Mary Mack
Defendant: NCO Financial Systems, Inc.
Presiding Judge: James B. Zagel
Cause Of Action: Fair Debt Collection Act
Court: Seventh Circuit > Illinois > Northern District Court
Type: Other Statutes > Consumer Credit

GREENE v. NCO FINANCIAL SYSTEMS, INC.
Filed: May 6, 2011 as 2:2011cv03008
Plaintiff: JOSEPH GREENE
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: LAWRENCE F. STENGEL
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

Pairsh v. NCO Financial Systems, Inc.
Filed: May 6, 2011 as 1:2011cv00395
Plaintiff: Tim Pairsh
Defendant: NCO Financial Systems, Inc.
Presiding Judge: W. Daniel Schneider
Referring Judge: Lorenzo F. Garcia
Cause Of Action: Fair Debt Collection Act
Court: Tenth Circuit > New Mexico > District Court
Type: Other Statutes > Other Statutory Actions

RUNYAN v. NCO FINANCIAL SYSTEMS, INC.
Filed: May 5, 2011 as 2:2011cv03083
Plaintiff: ARTHUR G. RUNYAN
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: ANITA B. BRODY
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

Peterman v. NCO Financial Services, Inc
Filed: May 3, 2011 as 2:2011cv01012
Plaintiff: James Peterman
Defendant: NCO Financial Services, Inc
Presiding Judge: Linda R Reade
Referring Judge: Jon S Scoles
Cause Of Action: Fair Debt Collection Act
Court: Eighth Circuit > Iowa > Northern District Court
Type: Other Statutes > Other Statutory Actions

SANTOS v. NCO FINANCIAL SYSTEMS, INC. et al
Filed: May 2, 2011 as 2:2011cv02903
Plaintiff: LEONARDO SANTOS
Defendants: AMERICAN EXPRESS COMPANY and NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: ROBERT F. KELLY
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Other Statutory Actions

JAWOROWICZ v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 29, 2011 as 2:2011cv02883
Plaintiff: PATRICIA JAWOROWICZ
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: TIMOTHY J. SAVAGE
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

LEGENDRE et al v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 29, 2011 as 2:2011cv02882
Plaintiffs: KEVIN LEGENDRE  and SHERRIE LEGENDRE
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: JUAN R. SANCHEZ
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

MAPLE v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 29, 2011 as 2:2011cv02884
Plaintiff: JANEL MAPLE
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: BERLE M. SCHILLER
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

MCLEOD v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 29, 2011 as 2:2011cv02885
Plaintiff: SARAH MCLEOD
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: MITCHELL S. GOLDBERG
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

MORSE v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 29, 2011 as 2:2011cv02878
Plaintiff: CHAUNCEY MORSE
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: LEGROME D. DAVIS
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

SIMPSON v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 29, 2011 as 2:2011cv02876
Plaintiff: PATRICIA SIMPSON
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: JAN E. DUBOIS
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

SMITH v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 29, 2011 as 2:2011cv02881
Plaintiff: GEORGE SMITH
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: EDUARDO C. ROBRENO
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

TURCHAN v. RECEIVABLE MANAGEMENT SERVICES et al
Filed: April 29, 2011 as 2:2011cv02877
Plaintiff: RUTH ANN TURCHAN
Defendants: NCO FINANCIAL SYSTEMS, INC. and RECEIVABLE MANAGEMENT SERVICES
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

Ternes v. NCO Financial Systems, Inc.
Filed: April 29, 2011 as 3:2011cv00532
Plaintiff: Deanna Ternes
Defendant: NCO Financial Systems, Inc.
Presiding Judge: John V. Acosta
Cause Of Action: Fair Debt Collection Act
Court: Ninth Circuit > Oregon > District Court
Type: Other Statutes > Other Statutory Actions

EVANS v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 28, 2011 as 2:2011cv02890
Plaintiff: RICKY EVANS
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: JAN E. DUBOIS
Cause Of Action: Fair Credit Reporting Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

DOV v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 27, 2011 as 2:2011cv02798
Plaintiff: SHAYEH DOV
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: CYNTHIA M. RUFE
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

Lestrick v. NCO Financial Systems, Inc.
Filed: April 27, 2011 as 1:2011cv01122
Plaintiff: David Lestrick
Defendant: NCO Financial Systems, Inc.
Presiding Judge: Philip A. Brimmer
Referring Judge: Michael E. Hegarty
Cause Of Action: Fair Debt Collection Act
Court: Tenth Circuit > Colorado > District Court
Type: Other Statutes > Consumer Credit

MOSS v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 27, 2011 as 2:2011cv02799
Plaintiff: CHERYL MOSS
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: MICHAEL M. BAYLSON
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

MIHALIK v. NCO FINANCIAL SYSTEMS INC
Filed: April 26, 2011 as 3:2011cv00198
Plaintiff: WENDI J MIHALIK
Defendant: NCO FINANCIAL SYSTEMS INC
Presiding Judge: ROGER VINSON
Referring Judge: ELIZABETH M TIMOTHY
Cause Of Action: Fair Debt Collection Act
Court: Eleventh Circuit > Florida > Northern District Court
Type: Other Statutes > Constitutional - State Statute

DEAN v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 22, 2011 as 2:2011cv02719
Plaintiff: JUSTIN DEAN
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: CYNTHIA M. RUFE
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

HAMMET v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 22, 2011 as 2:2011cv02720
Plaintiff: TARIQ HAMMET
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: LOUIS H. POLLAK
Referring Judge: M. FAITH ANGELL
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

LOVE v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 22, 2011 as 2:2011cv02723
Plaintiff: GWENDOLYN LOVE
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: R. BARCLAY SURRICK
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

Myers v. Genesis Financial Solutions, Inc. et al
Filed: April 22, 2011 as 3:2011cv00845
Plaintiff: Mark Myers
Defendants: Genesis Financial Solutions, Inc., NCO Portfolio Management, Inc. and WebBank, Salt Lake City, Utah
Presiding Judge: Sam A Lindsay
Cause Of Action: Fair Debt Collection Act
Court: Fifth Circuit > Texas > Northern District Court
Type: Other Statutes > Other Statutory Actions

WILLIAMS v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 22, 2011 as 2:2011cv02721
Plaintiff: MIKE WILLIAMS
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: ANITA B. BRODY
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

FERKLER v. RCN CORPORATION et al
Filed: April 21, 2011 as 2:2011cv02686
Plaintiff: MICHAEL J. FERKLER
Defendants: NCO FINANCIAL SYSTEMS, INC.  and RCN CORPORATION
Presiding Judge: MICHAEL M. BAYLSON
Cause Of Action: Fair Credit Reporting Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

MCREYNOLDS v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 21, 2011 as 2:2011cv02699
Plaintiff: LARRY MCREYNOLDS
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: EDUARDO C. ROBRENO
Cause Of Action: Fair Credit Reporting Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

SHUMAKE v. NCO FINANCIAL SYSTEMS, INC.
Filed: April 21, 2011 as 2:2011cv02698
Plaintiff: BETTY SHUMAKE
Defendant: NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: EDMUND V. LUDWIG
Cause Of Action: Fair Credit Reporting Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Consumer Credit

ZAK v. NCO FINANCIAL SYSTEMS, INC. et al
Filed: April 19, 2011 as 2:2011cv02660
Plaintiff: TODD ZAK
Defendants: J.C. CHRISTIANSEN & ASSOCIATES, INC. and NCO FINANCIAL SYSTEMS, INC.
Presiding Judge: PETRESE B. TUCKER
Cause Of Action: Fair Debt Collection Act
Court: Third Circuit > Pennsylvania > Eastern District Court
Type: Other Statutes > Other Statutory Actions
Caller: NCO Financial Systems Inc
Call Type: Debt Collector

I get these a few times a week. Submitted complaint to CRTC since all my phone numbers are on the DNC list and i have requested they do not call back since the person they are looking for is unknown to me.

These people have no regard for anyone. They actually had the gaul to yell at me when I told them they had the wrong number. I just dont answer the phone when they show up on Caller ID. I wish I could have an automatic calling system so that i could bog-down their systems. hmmmm... any takers?

http://www.ftc.gov/multimedia/video/telmarketing/phone-fraud-2.shtm

This number 416-932-4500 show up in my caller ID, with the name of Risk Management, and the person in a voice very rude and demanding, disclose that he was recording for training purpose. I mentioned that I was recording too, for the same reason.  I asked his name, phone #, address, and the name of the company. He refuse, and disclose the name of Troy. He told me that he refuse to be recorded, and I told him the same. I demanded in the same manner at the same time he was naming the person that he was trying to reach; I was doing the same way requesting his disclosing his information I wanted to have from him.  He called before 8:00 AM.  And by the new Law or proposal,  companies that call, or entities, persons that called with numbers and names disclosed and does not match with Caller ID, and the name of the company, can be consider as spoofing and or phishing phone calls, that is illegal, that is the way that ID theft can happen.  Refusing to disclose, whatever inoformation to does individuals, when you did not initiated the phone call.  Phishing is the act of trying to trick someone into giving up valuable information to gain something, usually financial. As mentioned in one of my previous articles discussing social engineers, it could be through a variety of methods. A fake e-mail, call, Facebook message, text message, and the like, all to get you to expose your account details, such as your password or account numbers.

Spoofing is the act of creating a fake persona to make a person do something they normally wouldn't do. Would you intentionally download a virus? Intentionally send your friend a link to malware? Probably not. A malicious hacker would spoof their e-mail address to look like an official address and send an e-mail with a link for users to click. When a user clicks the link, the malware or a virus is installed automatically.

Phishing may, at times, require spoofing to trick the user into giving up information but spoofing does not necessarily result in phishing someone's account.


Read more: http://www.brighthub.com/internet/security-pr ... x#ixzz18U1nCDI6


Phishing is a constant thorn in security's side and a constant reminder of how trusting people are, even to anonymous sources. Understand how phishers take advantage by learning their attack techniques and learn how to prevent and protect yourself from being a victim.

Read more: http://www.brighthub.com/internet/security-pr ... x#ixzz18U2F5zvC

Identity theft is a serious issue affecting an estimated 9 million Americans every year. Phishing is a major tool used to perform identity theft on unsuspecting victims. Get a better understanding of what identity theft is, how phishing techniques are used and how to protect yourself.
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What is Identity Theft?

The Federal Trade Commission has reported that around 9 million Americans have their identities targeted and stolen every year, and those are only reported cases. Identity theft is a term thrown around by many news stories and commercials, but what exactly is it?

Identity theft is the act of stealing another person's information and using as if it were their own information, whether it be for financial gain or any other fraudulent activity. A common misconception is that identity theft is used to steal only certain types of information such as social security numbers or credit card numbers. Identity theft actually covers many different items.

Someone who commits identity theft can create a open a new credit line, rent an apartment, sign up for utilities, open a bank account, or even get a job, all under your name. The room for fraud is tremendous as they are essentially becoming you, via your information. Most people don't know their identity has been stolen until they're called by a debt collector.

Identity theft can occur via many methods. Phishing, pretexting, dumpster diving, social network engineering, skimming, and of course, just outright stealing. I've explained pretexting in a previous article as well as social engineering using social networks, which you can view at the following links:

   * Social Engineering: Pretexting

   * Social Engineering: Hackers and Social Networks

Identity Theft Toolkit - Phishing

Phishing is a popular tool in an identity thief's arsenal. Phishing is the act of extracting information from someone by tricking them.into thinking an official source asked for their information. The simplest way of understanding the basics behind phishing is to think of it as the word sounds, fishing. To go fishing you put bait on a stick and send it out into a lake for a fish to hook onto.

Phishing is the same idea, a hacker or social engineer throws out "bait" in the form of e-mails, and instant messages, to "hook" unsuspecting victims. Like a fisherman, a phisher attempts many, many times because at the end of the day, all a phisher needs is to hook in one victim. If hundreds of e-mails are sent and two or three people fall victim, the phisher now has a source to steal an identity from.

Just like real fishing, a phishing attack takes many failed attempts and long hours of no responses, but the more attempts are tried, the more chance there is to hook in a victim. Once information ? such as social security numbers, credit card numbers, bank account numbers, and even names and addresses ? is captured, a phisher can use the information to steal the victim's identity.


Read more: http://www.brighthub.com/internet/security-pr ... x#ixzz18U33l0CZ
http://www.ftc.gov/multimedia/video/telmarketing/phone-fraud-2.shtm
http://fraudwar.blogspot.com/
http://www.naag.org/
https://www.ftccomplaintassistant.gov/
http://www.ftc.gov/multimedia/video/scam-watch/file-a-complaint.shtm
http://www.onguardonline.gov/

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
Our Rights to be contacted o no: 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.
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   * Web Site Control Panel: SpoofCard's web control panel lets you login with your PIN number and manage your account. This is where you can playback or download all your recorded conversations and add more time to your PIN. Everything you need in one easy interface.
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   * Free Caller ID Spoofing: SpoofCard is the first company to offer a free caller ID spoofing trial to all users! Try before you buy!
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   * How do we sign up? You can sign up for SpoofCard by clicking this link right here!

NCO Financial Collections working for GE Money/Zellers.