They never leave me a message .

Calling my number that is unlisted and always a recorded message for some Rachell Hale/Hail. Don't know this person. I've received other messages for this person that is a deadbeat that doesn't pay her bills but I'm getting the calls. Also ask to remove my number b/c I don't know this person. I wish I could bill her for me having to take her calls and stopping my work. DEADBEAT call your collectors and give your correct number. Better yet PAY your BILLS...

They call for banks I guess, an they call me everyday all day trying to have attitudes and be all nosy and sh*t asking me when was I in the car accident an told me I was lying and making up that I have had three back surgeries after two pretty serious injuries to my back from two diff car accidents they are harassing me and I meet with my attorney tomorrow to disuss actions to file for harassment over $13.43 REALLY PPL COME ON I DON'T LIKE TO LEAVE MY BILLS UNPAID OR HAVE DEBTS AND SOON AS I HAVE THE EXTRA LIL $13 I'll send dem jerks they money!! But u can't get blood outta turnip... Right??!!

Alex Simanovsky & Associates, LLC  |  www.fdcpalawyeronline.com  |  Toll Free:  1-800-303-9840  |  Free Legal Help for Consumers



COMMON FDCPA VIOLATIONS



1. Ask you to pay more than you owe -- The collector cannot misrepresent the amount you owe. [15 USC 1692e] § 807(2)(a)

2. Ask you to pay interest, fees, or expenses that are not allowed by law -- The collector can't add on any extra fees that your original credit or loan agreement doesn't allow. [15 USC 1692f] § 808(1)

3. Call repeatedly or continuously -- The FDCPA considers repeat calls as harassment. [15 USC 1692d] § 806(5)

4. Use obscene, profane, or abusive language -- Using this kind of language is considered harassment. [15 USC 1692d] § 806(2)

5. Call before 8:00 am or after 9:00 pm -- Calls during these times are considered harassment. [15 USC 1692c] § 805(a)(1)

6. Call at times the collector knew or should know are inconvenient -- Calls at these times are considered harassment. [15 USC 1692c] § 805(a)(1)

7. Use or threaten to use violence if you don't pay the debt --  Collectors can't threaten violence against you. [15 USC 1692d] § 806(1)

8. Threaten action they cannot or will not take -- Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action. [15 USC 1692e] § 807(5)

9. Illegally inform a third party about your alleged debt -- Unless you have expressly given permision, collectors are not allowed to inform anyone about your debt except: your attorney, the creditor, the creditor's attorney, a credit reporting agency, your spouse, your parent (if you are a minor)  [15 USC 1692c] § 805(b)

10. Repeatedly call a third party to get your location information -- The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [15 USC 1692b] § 804(1)

11. Contact you at work knowing your employer doesn't approve -- A collector is not allowed to contact you at work if you?ve let them know your employer doesn?t approve of these calls. [15 USC 1692c] § 805(a)(3)

12. Fail to send a written debt validation notice -- Within five days of the collector's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [15 USC 1692g] § 809(a)

13. Ignore your written request to verify the debt and continue to collect -- A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector's written notice. [15 USC 1692g] § 809(b)

14. Continue to collect on the debt before providing verification -- After receiving your written dispute, the collector must stop collecting on the debt until you have receieved verification. [15 USC 1692g] § 809(b)

15. Continue collection attempts after receiving a cease communication notice -- If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following: that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [15 USC 1692c] § 805(c)





Alex Simanovsky & Associates, LLC  |  www.fdcpalawyeronline.com  |  Toll Free:  1-800-303-9840  |  Free Legal Help for Consumers

They call me every night at 830 PST which is what 1030 in Tennessee .... when I do answer no one says anything..... complete silence on their end . I've let it go for over 2 min. before hanging up. Its starting  to creep me out but who knows.....maybe they fell asleep cause its so late.

they keep calling for a person who doesnt live here

I have a phone number that was issued to someone before me who skipped out on many of her bills. This company calls me many times. I have explained to them that I am not who they are looking for and asked them not to call me again. Alas, they keep caliing me. One of their people called to swear at me, hung up, then called back to swear at me some more. Any ideas how to make them stop this?

I have been getting voice messages from this outfit and the guy who leaves the message sounds like a long-lost "uncle".  He knows you are listening to him talking, so he tries to "sucker" you into picking up so he can nail you with some sort of scam.

pinnacle.. they scramble their #'s all the time...

PINNACLE FINANCIAL just called my number wanjting a Victoria Cuather, my number is reassigned. If PINNACLE FINANCIAL calls again I am going to sue the sh*t out a small townCollection agency's game. PINNACLE FINANCIAL is in Morristown TN.

Not sure how or why they are calling a number on a do not call list.  I am not Laura Forrester and have told them so repeatedly.  However, even after asking them to remove my number from their list as I am not the person they are looking for... they still call.  Pinnacle Financial Group. Once again, today 3rd time they've called today... I have asked them to remove my number from there call center list.  let's see if they call again today.

CALLER IS PINNACLE FINANCIAL, A COLLECTION AGENCY.  OTHER #s ASSOCIATED WITH THEM ARE: (972)2004351, (800)513-6852, (800)334-2814.  MESSAGE WAS LEFT BY TRACY, WHO LEFT A CALLBACK # OF (877)350-0901.

Not sure how or why they are calling a number on a do not call list.  I am not Laura Forrester and have told them so repeatedly.  However, even after asking them to remove my number from their list as I am not the person they are looking for... they still call.  Pinnacle Financial Group. Once again, today 3rd time they've called today... I have asked them to remove my number from there call center list.  let's see if they call again today.

PINNACLE FINANCIAL just called my number wanjting a Victoria Cuather, my number is reassigned. If PINNACLE FINANCIAL calls again I am going to sue the sh*t out a small townCollection agency's game. PINNACLE FINANCIAL is in Morristown TN.

pinnacle.. they scramble their #'s all the time...

CALLER IS PINNACLE FINANCIAL, A COLLECTION AGENCY.  OTHER #s ASSOCIATED WITH THEM ARE: (972)2004351, (800)513-6852, (800)334-2814.  MESSAGE WAS LEFT BY TRACY, WHO LEFT A CALLBACK # OF (877)350-0901.

To: LT,  Thanks for the info. I got several calls from this number today.

This number called me today ~ On Mother's day Sunday! Can't they have an ounce of respect?!

IT'S PINNACLE FINANCIAL, A COLLECTION AGENCY.  OTHER #s ASSOCIATED WITH THEM ARE:  (972)200-4351, (800)513-6852, (800)334-2814.  THE PERSON WHO LEFT MESSAGE WAS TRACY, WHO GAVE CALL BACK # OF (877)513-6852.