419-756-0425
OH, US
 | stupid 2014-05-02 19:41:38 Unknown |
Yeah I understand they have a job to do but after a person tells you they are taking care of the bill that your insurance company dropped the ball on stop calling people yes they have a job to do but paying your bills is a adult thing NO S*** Sherlock!
| Amber James 2014-03-19 18:45:01 Unknown |
I received a call from this number and the lady told me she needed my personal info and social and I told her I did not give this information over the phone. She told me it was for a collections agency so I told her to send me a bill and she said they do not send bills. Very weird call. What bill collections agency will refuse to send a bill.
| ME 2013-09-19 18:40:38 Unknown |
I just got a call from this 419-756-0425 about an employee at this office, they wanted to verify if a person still worked here, told her to fax me something because she wldn't tell me where she was calling from or her name.... UGH! sneaky sneaky
| they got a job to do 2013-05-13 14:08:20 Unknown |
they just called me. my insurance and erie insurance dropped the ball on paying the hospital so they called me. insurance people need to do there damn job and wouldnt be in collections. needless to say i am no receiving another check from them to pay a 1200 dollar bill they should have taken care of. but these callers have a job to do like us so quit bitching when they call cuz you cant pay your bills like an adult
| JMBW 2011-06-06 20:49:05 Unknown |
says her name is Sarah Quinn. Wants to talk to me about a personal matter, I know it is Debt Recovery Solutions- they never say the mandated line- "this is an attempt to collect a debt...." Even calls me at work, when it is really related to my adult, step-son!!
| Ark Data Systems 2011-06-06 20:49:05 Unknown |
Probably is : Debt Recovery Systems of OHIO, Located in Mansfield, OH ~
| Ark Data Systems 2011-06-06 20:49:05 Unknown |
RE: Debt Recovery Solutions 419 756 0425
You should report them! * Read this .. it will be helpful to You~
The FDCPA is the Fair Debt Collection Practices Act. Enacted in 1977, it’s the Federal law that protects consumers from abusive collection practices from third-party debt collectors.
There are also many states that have similar protective statutes. For example, those of you who live in California enjoy the FDCPA protections, as well as those afforded to you by the Rosenthal Act.
I certainly hope you’ll never have to deal with collection agencies — but if you do, it’s important that you understand these rights under the Federal act.
Rules:
Communication Must Occur at Convenient Hours
Collectors may not contact debtors before 8am or after 9pm local time, based on where the consumer is located. That means no calls at 8am Eastern Time to a debtor living in Texas and no calls at 10pm Eastern Time from a collector working in California.
Calls Cannot be Made to the Debtor’s Workplace
There is an exception to this rule. If you give the collector permission to contact you at work or if communicating with the debtor at work isn’t disallowed by their employer, then, in general, it’s allowed.
If you tell the collector that you are not allowed to receive calls at work or if you could get in trouble because of their calls, then they must stop.
Disclosure to Third Parties is Not Allowed
In general, the collector is not allowed to communicate with anyone other than the debtor regarding the debt. In other words, the collector can’t call your neighbors and tell them that you owe $5,000 in past due credit card charges.
I’ve had some interesting cases where I’ve served as an expert witness that have included evidence of messages left on answering machines. It was argued that this is a violation of this provision because someone other than the debtor was able to listen to the messages. They Must Stop if You Ask Them.
Despite beliefs to the contrary, consumers can actually demand that the collector stop communicating with them. This must be done in writing, not verbally. So, you can’t just tell them “I demand that you stop calling me.”
There are two exceptions to this rule. The collector may contact the debtor after they’ve received a valid written demand to cease communications to let them know that the collector is not attempting to collect the debt any longer. And, they may also notify the debtor that they attempt other methods normally used by collectors to collect debt. ( Read between the lines…this means a potential lawsuit from a collection attorney. )
No Abusive Behavior Allowed
We’ve all seen the hidden videos where collectors are threatening to have you thrown in jail or take away your children if you don’t pay your debts. This is clearly not allowed. They are also not allowed to threaten violence, use profanity or insensitive remarks, publish your name as someone who won’t pay their bills (credit reporting is an exception), or call you over and over in an abusive manner.
I had a case where the collector called the consumer over 200 times in one year. Is that abusive? Before you answer, remember that 200 calls over 365 days is much less than one phone call per day. What do you think?
They Must Disclose Who They Are
If you’ve ever received a call from a debt collector it was probably prefaced with “I’m calling from XYZ and the purpose of this call is to collect a debt.”
And, if you’ve ever received a letter from a collection agency it probably had language that disclosed that the communication was from a debt collector and that any information they receive may be used in furtherance of collecting a debt. These are required disclosures.
They can’t sneak up on you.
No Misrepresentations
What gets a collector in hot water very quickly is any act of dishonesty. Collectors are not allowed to:
1. Imply that they are with a governmental organization
2. Misrepresent the balance of the debt
3. Pretend to be an attorney
4. Imply that non-payment will result in garnishment unless the collector intends to pursue garnishment
5. Threaten legal action if none is intended
6. Imply that not paying debt is a criminal offense
Must Show the Debt As In Dispute, If So...
This is an obligation under the Fair Credit Reporting Act (FCRA). If the debtor challenges the validity of the collection the collection agency must show the account as being in dispute not only within their own records but also along with the account as reported to your credit files. This is a fairly common FCRA violation in the cases I’ve been involved with.
There are actually several more rules outlined in the FDCPA but these are the highlights and the more common violations. In fact, we’re on pace to hit 12,000 FDCPA lawsuits this year, which is 3,000 more than last year. So what do you think? Any interest in owning a collection agency?
By:
John Ulzheimer is the President of Consumer Education of Credit.com and the author of the book “You’re Nothing But A Number.” He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO and Equifax, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 60 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.
You should report them! * Read this .. it will be helpful to You~
The FDCPA is the Fair Debt Collection Practices Act. Enacted in 1977, it’s the Federal law that protects consumers from abusive collection practices from third-party debt collectors.
There are also many states that have similar protective statutes. For example, those of you who live in California enjoy the FDCPA protections, as well as those afforded to you by the Rosenthal Act.
I certainly hope you’ll never have to deal with collection agencies — but if you do, it’s important that you understand these rights under the Federal act.
Rules:
Communication Must Occur at Convenient Hours
Collectors may not contact debtors before 8am or after 9pm local time, based on where the consumer is located. That means no calls at 8am Eastern Time to a debtor living in Texas and no calls at 10pm Eastern Time from a collector working in California.
Calls Cannot be Made to the Debtor’s Workplace
There is an exception to this rule. If you give the collector permission to contact you at work or if communicating with the debtor at work isn’t disallowed by their employer, then, in general, it’s allowed.
If you tell the collector that you are not allowed to receive calls at work or if you could get in trouble because of their calls, then they must stop.
Disclosure to Third Parties is Not Allowed
In general, the collector is not allowed to communicate with anyone other than the debtor regarding the debt. In other words, the collector can’t call your neighbors and tell them that you owe $5,000 in past due credit card charges.
I’ve had some interesting cases where I’ve served as an expert witness that have included evidence of messages left on answering machines. It was argued that this is a violation of this provision because someone other than the debtor was able to listen to the messages. They Must Stop if You Ask Them.
Despite beliefs to the contrary, consumers can actually demand that the collector stop communicating with them. This must be done in writing, not verbally. So, you can’t just tell them “I demand that you stop calling me.”
There are two exceptions to this rule. The collector may contact the debtor after they’ve received a valid written demand to cease communications to let them know that the collector is not attempting to collect the debt any longer. And, they may also notify the debtor that they attempt other methods normally used by collectors to collect debt. ( Read between the lines…this means a potential lawsuit from a collection attorney. )
No Abusive Behavior Allowed
We’ve all seen the hidden videos where collectors are threatening to have you thrown in jail or take away your children if you don’t pay your debts. This is clearly not allowed. They are also not allowed to threaten violence, use profanity or insensitive remarks, publish your name as someone who won’t pay their bills (credit reporting is an exception), or call you over and over in an abusive manner.
I had a case where the collector called the consumer over 200 times in one year. Is that abusive? Before you answer, remember that 200 calls over 365 days is much less than one phone call per day. What do you think?
They Must Disclose Who They Are
If you’ve ever received a call from a debt collector it was probably prefaced with “I’m calling from XYZ and the purpose of this call is to collect a debt.”
And, if you’ve ever received a letter from a collection agency it probably had language that disclosed that the communication was from a debt collector and that any information they receive may be used in furtherance of collecting a debt. These are required disclosures.
They can’t sneak up on you.
No Misrepresentations
What gets a collector in hot water very quickly is any act of dishonesty. Collectors are not allowed to:
1. Imply that they are with a governmental organization
2. Misrepresent the balance of the debt
3. Pretend to be an attorney
4. Imply that non-payment will result in garnishment unless the collector intends to pursue garnishment
5. Threaten legal action if none is intended
6. Imply that not paying debt is a criminal offense
Must Show the Debt As In Dispute, If So...
This is an obligation under the Fair Credit Reporting Act (FCRA). If the debtor challenges the validity of the collection the collection agency must show the account as being in dispute not only within their own records but also along with the account as reported to your credit files. This is a fairly common FCRA violation in the cases I’ve been involved with.
There are actually several more rules outlined in the FDCPA but these are the highlights and the more common violations. In fact, we’re on pace to hit 12,000 FDCPA lawsuits this year, which is 3,000 more than last year. So what do you think? Any interest in owning a collection agency?
By:
John Ulzheimer is the President of Consumer Education of Credit.com and the author of the book “You’re Nothing But A Number.” He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO and Equifax, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 60 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.
| Ark Data Systems 2010-11-09 15:40:11 Unknown |
RE: Debt Recovery Solutions 419 756 0425
You should report them! * Read this .. it will be helpful to You~
The FDCPA is the Fair Debt Collection Practices Act. Enacted in 1977, it?s the Federal law that protects consumers from abusive collection practices from third-party debt collectors.
There are also many states that have similar protective statutes. For example, those of you who live in California enjoy the FDCPA protections, as well as those afforded to you by the Rosenthal Act.
I certainly hope you?ll never have to deal with collection agencies ? but if you do, it?s important that you understand these rights under the Federal act.
Rules:
Communication Must Occur at Convenient Hours
Collectors may not contact debtors before 8am or after 9pm local time, based on where the consumer is located. That means no calls at 8am Eastern Time to a debtor living in Texas and no calls at 10pm Eastern Time from a collector working in California.
Calls Cannot be Made to the Debtor?s Workplace
There is an exception to this rule. If you give the collector permission to contact you at work or if communicating with the debtor at work isn?t disallowed by their employer, then, in general, it?s allowed.
If you tell the collector that you are not allowed to receive calls at work or if you could get in trouble because of their calls, then they must stop.
Disclosure to Third Parties is Not Allowed
In general, the collector is not allowed to communicate with anyone other than the debtor regarding the debt. In other words, the collector can?t call your neighbors and tell them that you owe $5,000 in past due credit card charges.
I?ve had some interesting cases where I?ve served as an expert witness that have included evidence of messages left on answering machines. It was argued that this is a violation of this provision because someone other than the debtor was able to listen to the messages. They Must Stop if You Ask Them.
Despite beliefs to the contrary, consumers can actually demand that the collector stop communicating with them. This must be done in writing, not verbally. So, you can?t just tell them ?I demand that you stop calling me.?
There are two exceptions to this rule. The collector may contact the debtor after they?ve received a valid written demand to cease communications to let them know that the collector is not attempting to collect the debt any longer. And, they may also notify the debtor that they attempt other methods normally used by collectors to collect debt. ( Read between the lines?this means a potential lawsuit from a collection attorney. )
No Abusive Behavior Allowed
We?ve all seen the hidden videos where collectors are threatening to have you thrown in jail or take away your children if you don?t pay your debts. This is clearly not allowed. They are also not allowed to threaten violence, use profanity or insensitive remarks, publish your name as someone who won?t pay their bills (credit reporting is an exception), or call you over and over in an abusive manner.
I had a case where the collector called the consumer over 200 times in one year. Is that abusive? Before you answer, remember that 200 calls over 365 days is much less than one phone call per day. What do you think?
They Must Disclose Who They Are
If you?ve ever received a call from a debt collector it was probably prefaced with ?I?m calling from XYZ and the purpose of this call is to collect a debt.?
And, if you?ve ever received a letter from a collection agency it probably had language that disclosed that the communication was from a debt collector and that any information they receive may be used in furtherance of collecting a debt. These are required disclosures.
They can?t sneak up on you.
No Misrepresentations
What gets a collector in hot water very quickly is any act of dishonesty. Collectors are not allowed to:
1. Imply that they are with a governmental organization
2. Misrepresent the balance of the debt
3. Pretend to be an attorney
4. Imply that non-payment will result in garnishment unless the collector intends to pursue garnishment
5. Threaten legal action if none is intended
6. Imply that not paying debt is a criminal offense
Must Show the Debt As In Dispute, If So...
This is an obligation under the Fair Credit Reporting Act (FCRA). If the debtor challenges the validity of the collection the collection agency must show the account as being in dispute not only within their own records but also along with the account as reported to your credit files. This is a fairly common FCRA violation in the cases I?ve been involved with.
There are actually several more rules outlined in the FDCPA but these are the highlights and the more common violations. In fact, we?re on pace to hit 12,000 FDCPA lawsuits this year, which is 3,000 more than last year. So what do you think? Any interest in owning a collection agency?
By:
John Ulzheimer is the President of Consumer Education of Credit.com and the author of the book ?You?re Nothing But A Number.? He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO and Equifax, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 60 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.
You should report them! * Read this .. it will be helpful to You~
The FDCPA is the Fair Debt Collection Practices Act. Enacted in 1977, it?s the Federal law that protects consumers from abusive collection practices from third-party debt collectors.
There are also many states that have similar protective statutes. For example, those of you who live in California enjoy the FDCPA protections, as well as those afforded to you by the Rosenthal Act.
I certainly hope you?ll never have to deal with collection agencies ? but if you do, it?s important that you understand these rights under the Federal act.
Rules:
Communication Must Occur at Convenient Hours
Collectors may not contact debtors before 8am or after 9pm local time, based on where the consumer is located. That means no calls at 8am Eastern Time to a debtor living in Texas and no calls at 10pm Eastern Time from a collector working in California.
Calls Cannot be Made to the Debtor?s Workplace
There is an exception to this rule. If you give the collector permission to contact you at work or if communicating with the debtor at work isn?t disallowed by their employer, then, in general, it?s allowed.
If you tell the collector that you are not allowed to receive calls at work or if you could get in trouble because of their calls, then they must stop.
Disclosure to Third Parties is Not Allowed
In general, the collector is not allowed to communicate with anyone other than the debtor regarding the debt. In other words, the collector can?t call your neighbors and tell them that you owe $5,000 in past due credit card charges.
I?ve had some interesting cases where I?ve served as an expert witness that have included evidence of messages left on answering machines. It was argued that this is a violation of this provision because someone other than the debtor was able to listen to the messages. They Must Stop if You Ask Them.
Despite beliefs to the contrary, consumers can actually demand that the collector stop communicating with them. This must be done in writing, not verbally. So, you can?t just tell them ?I demand that you stop calling me.?
There are two exceptions to this rule. The collector may contact the debtor after they?ve received a valid written demand to cease communications to let them know that the collector is not attempting to collect the debt any longer. And, they may also notify the debtor that they attempt other methods normally used by collectors to collect debt. ( Read between the lines?this means a potential lawsuit from a collection attorney. )
No Abusive Behavior Allowed
We?ve all seen the hidden videos where collectors are threatening to have you thrown in jail or take away your children if you don?t pay your debts. This is clearly not allowed. They are also not allowed to threaten violence, use profanity or insensitive remarks, publish your name as someone who won?t pay their bills (credit reporting is an exception), or call you over and over in an abusive manner.
I had a case where the collector called the consumer over 200 times in one year. Is that abusive? Before you answer, remember that 200 calls over 365 days is much less than one phone call per day. What do you think?
They Must Disclose Who They Are
If you?ve ever received a call from a debt collector it was probably prefaced with ?I?m calling from XYZ and the purpose of this call is to collect a debt.?
And, if you?ve ever received a letter from a collection agency it probably had language that disclosed that the communication was from a debt collector and that any information they receive may be used in furtherance of collecting a debt. These are required disclosures.
They can?t sneak up on you.
No Misrepresentations
What gets a collector in hot water very quickly is any act of dishonesty. Collectors are not allowed to:
1. Imply that they are with a governmental organization
2. Misrepresent the balance of the debt
3. Pretend to be an attorney
4. Imply that non-payment will result in garnishment unless the collector intends to pursue garnishment
5. Threaten legal action if none is intended
6. Imply that not paying debt is a criminal offense
Must Show the Debt As In Dispute, If So...
This is an obligation under the Fair Credit Reporting Act (FCRA). If the debtor challenges the validity of the collection the collection agency must show the account as being in dispute not only within their own records but also along with the account as reported to your credit files. This is a fairly common FCRA violation in the cases I?ve been involved with.
There are actually several more rules outlined in the FDCPA but these are the highlights and the more common violations. In fact, we?re on pace to hit 12,000 FDCPA lawsuits this year, which is 3,000 more than last year. So what do you think? Any interest in owning a collection agency?
By:
John Ulzheimer is the President of Consumer Education of Credit.com and the author of the book ?You?re Nothing But A Number.? He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO and Equifax, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 60 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.
| no way man 2009-11-14 17:19:27 Unknown |
This number belongs to Debt Recovery Services in Mansfield, OH. A bill collector.
| Hmmm? 2009-06-02 15:33:40 Unknown |
I got a call from this number a lady used the name of Beth James. Said it was important to call them back. If it was so important, why didn't she leave a company name of who she works for? Tried to look up this number to find out who it is but no luck there. Has called several times.
| CSC 2008-11-19 20:36:54 Unknown |
I spoke with Amber Smith using a alias name. She wouldn't tell me why she was calling when I asked what kind of company was this. She told they update personal and medical information...sounds like a medical bill collector. When you call...there's no mention of a company name and Amber Smith will not tell you the name of the company.
| CSC 2008-11-19 20:30:06 Unknown |
Per receptionist, Amber Smith called for me while I was on the phone. She held and asked that I return her call at (419) 756-0425. Due to this site, I will not return the call.
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