this pain called my number and left a message on the recorder wanting my daughter using her married name which she changed several years ago then gave her maiden name, requesting I call her back and I have a private unlisted number. I don't have time for these idiots let them get a real job.  I pay my bills and could care less about other peoples bills, if the call again I will report the number.

And you were so excited by all this you thought "Hey, I'll google the phone number that called me and post an enthusiastic recommendation on any discussion forum I find!"

No you didn't.

>> he sent me a letter to my email before i even set up any payments and then sent me a receipt as soon as each payment was made with conformation numbers that i could check through my bank. <<

email notification or validation of debt is legally insufficient.  Yes, INsufficient!

Your bank may confirm the payment was sent to that person ... but was that person really associated with the people who loaned you the money?  There is a chance you will STILL owe the money, even after "paying" the debt!

Besides, you forgot to tell us the name of the company, or even their website address... strong suggestions you are a shill.


This is a long summary, but any visitors need to read it carefully if you think you are being threatened by a debt collector, and not merely a shill for that organization.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

* 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.   ["Written" means snailmailed ... not emailed or texted]

* Debt collectors may NOT
- repeatedly use the phone to annoy someone.
- 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
- say you will be arrested if you don?t pay your debt
- say 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
- communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.
- say that legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action
- use a false company name
- take or threaten to take your property unless it can be done legally;

The debt collector may not garnish your wages unless there is a court order to do so.
+ Many Federal benefits (including Social Security Benefits) are exempt from garnishment

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,

Report any problems you have with a debt collector to your state Attorney General?s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection

You're full of bovine excrement.

If you pay any anonymous loser who calls you up claiming you owe money not only will the calls not stop, your phone will soon be ringing constantly!

they called me and i was skeptical at first but when i called them i talked to a gentleman named joseph and he explained what the calls were about. i know i needed to pay this but i didnt have $2,000 to pay right off the bat, he actually helped me bring the $2000 balance down to 3 payments of $200 a month and saved me a lot of money and heartache. give them a chance, they are not the worst ones out there, iv spoken to agencies that were very rude and told me i was going to jail if i didnt pay this, joseph was very polite and understood the hardship i was in. my daughter is in the hospital with bone cancer and my wife just passed a year ago, joseph went over his head to get me the lowest payment that could be offered, he dropped all the late fees, he sent me a letter to my email before i even set up any payments and then sent me a receipt as soon as each payment was made with conformation numbers that i could check through my bank.

pay your bills, you know you owe this, pay it and you will stop getting all the calls

Got a call from this same number from  "Jessica Cross or Clause" 443-249-8643 also said she was from legal services and was talking something about a legal issue that I am involved in with check fraud! It was so scary! When I called the number it is a office of  man named Joseph...I am now relieved to know that others here are also reporting this....This is nothing but a scam!

Anonymous man left voicemail re: "investigation" of my daughter-in-law, asking me to have her call a phone number he reported.
Disturbing unsolicited intrusion suggesting serious problem.

Got a call from a Private Number. Someone named Jessica Clause talking about shes from a Department of Legal Services. She used my maiden name and a county where I haven't lived for over 7 years. Says that if I don't return her calls she'll have me "served" either at home or work- whatever. Left this number to call back. Not wasting my time. You shouldn't either.