I got a call today from (561) 886-7574 at 1:18PM. I do not answer unknown callers (EVER). They did not leave a message. No calls from this # before. Call displayed an origin of Boca Raton, FL. F#ck them

Said my anti-virus software was up for renewal. she wanted to discuss cheaper options.

If you spent your worthless life making an honest living, you wouldn't have to run to the Internet defending con artists. I just got a call from this number a few moments ago, and guess what? I have no outstanding loans and a damn near perfect credit score, so there is absolutely no reason for a debt collector to be calling me unless they are trying to run a scam. You're pretty defensive about this whole matter and are pretty quick to judge everyone else on this thread, which makes me highly suspicious of you. Ever stop to think that MAYBE collecting numbers, calling them and bullying them into paying a debt that they have nothing to do with is a pretty good way to scam the unsuspecting and vulnerable? Oh right, you probably know all about it because you are one of them.

Dumb ..., these are random calls that have nothing to do with anyone paying their bills. pure scam. People with perfectly good credit and NO bills are getting calls from these crooks

WHO IS CALLING ME

Who is using this number?

WHO IS THIS

Yet another scum sucking bottom feeding outfit intent on harassing people into paying things they don't owe.
Don't anwser, block them, whatever, rude, overbearing and unscrupulous.

no the people  have taken pay day loans and then go and close the checking accounts down after they take the funds out  that's stealing

Oh lookie here!
A TROLL !! Who apparently LOVES to come 800notes and trash people who are simply helping others by reporting IILEGAL collection practices and the fact that some do no even write checks!!
Keep up the good work Lamet !!
And "Debt collector" YOU are a waste of space!!

Look at you... Yay for you, a knowledgeable DEBTOR aka A PROFESSIONAL DEBTOR, stealing things and not paying it back. You are such a looser and a waste of space, i hope you have a debt in office because i work for an attorney and trust i'll light your a** up! Good luck with your next debt a***ole. ALL YOU LOOSERS NEED TO PAY YOUR BILLS!!

If you people actually spent more of your useless lives paying bills you wouldn't have to worry about a debt  collector calling you.

These cases are actually pending litigation, go a head an take it lightly. If you all were responsible ADULTS you would pay your bills...LOOSERS!

I don't know if tne employee's know what the company is doing but this is a scam.  I have asked them repeatly to send me notification in the mail and they want to e-mail told them no I want it mailed and the gentlemen said he will go to the mail room and send it out it has been a week and I still have not received it.

This number says they represent payday loan companies that do business online and screw you over.  They threaten me by calling my job and telling me they will garnish my wages if I don't pay them an outreageous amount.

This is legitimate business. I know someone that works there.
This is not a scam.

how do i print your comment out i would like to us it for proof if i can not. will you email it to me. please reply NEED HELP!

I keep getting these calls at my work place also... saying I owe money for a check I dont even have checks I ask them to send me information about the debt  they are calling back to back from 318-595-0316 and 561-886-0196 who are this people

I just received a call from a (561)886-0196 x-110 at my place of business.
She left a message to call back a Ms. Holder.
If my desk phone isn't answered they won't leave a message, they just keep calling back.

ITS A SCAM!!!

these people have called me everyday for the past week, they have a different name everyday! its a scam! just hang up or change your number is all i can say

Its illegal to claim you will be arrested for not paying a debt.  THAT MEANS THEY CANNOT PROVE ANYTHING.  they want you to panic and pay them without them having to PROVE that you owe the debt.

its illegal to call and demand PAY NOW OR ELSE.  That is a sure sign of a scam

Debt collectors are REQUIRED BY LAW to send you information about the debt in writing within 5 days of first contact and THEY MUST TELL YOU that you have the RIGHT TO DISPUTE IT. All or part.

Which you must do within 30 days - send it certified mail return receipt - this is proof that they received it. Some will not accept it and it will be returned to you.  Leave the returned letter AS IS, (do not open it a at all) and put in a file for proof in court that we refused to accept it.  

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
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
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    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.
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
February 2009

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.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

im getting the same phone calls saying that I also wrote a check and I need to call them back and I did just to see what they where going to say and they ask for my account number and I just hung up the phone who does that.....

This number called me about a resume I had submitted. They gave me the address of 1489 W Palmetto Park Rd Suite 350. A guy named Ian called. Im not sure if I should show up for the job interview or not....can anyone help?

I keep receiving calls from this number-once a day on my cell phone and once a day at work even when I've asked them not to call me at work. They've said I owe goodtimecash.com money for a payday loan. I did take out a loan but from another company years ago and I paid it back. I keep very good records of things to do with finances so it seems they are fraudulent.

I received a call today at work from a Mr. Davis from this number, but have no idea who it is or what he is wanting.

I am receiving calls from this same company maybe 2 or 3 times a week at my job. They have threatened me with that i would be taken to court. These people are very rude and right to this day i still do not know what this is about. They are saiing something about a payday loan and i know this can't be true. I wish they would just leave me alone. I have called the number back and to no avail no one answered.

I received a call from these people threatening me that if I did not pay, that I would be taken court and possibly jail.  I don't know what to do....  I don't want to give people money that are not a legitimate business.

for two weeks know we have been getting these phone call's they call looking for my husband very rude lady by the name of Jennifer was very rude with my daughter making threat's when I called her back naturally no one answered so I left a message to mail me the so called paperwork and documentation to date I have received nothing, so I filed a complaint with the Better business bureau I received a letter from them on Sat. their is no record of cfg & associates and they gave me the number of the state attorney general's office in florida to call so if the better business bureau has no record of them that is not good who are these people and what gives them the right to call and threaten and harass people???