http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

To report FDCPA/TCPA Violations, File complaints with your states (and theirs) Attorney Generals office, the FTC & CFB.
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/

I talked to Jessica Smith at Peak Collection Agency.  The sent a letter to me offering a settlement, which I agreed to.  I was sending money orders to Jessica at their office.  At one point I was unable to send a payment so the calls started coming again.  Jessica said anything I could give would be good, so long as I continued making an effort to pay.  At one point I told her my disability check was about to start and I would pay off the debt.  She agreed to allow me to do that.  I gave her my bank account number and allowed this person to take the balance of the settlement from my account ($1,200).  The total amount taken was $2,000.  She told me a letter would be sent stating that the debt was paid in full.  The letter never came and the office appears to have gone out of business.  I can't reach anyone.  The debt is still appearing on my credit report and a new collection agency, "Commercial Recovery" is now calling to demand payment of the same debt.  I don't know what to do.  I have the original settlement letter sent by Peak and proof of the payments I made but they are saying I was tricked by Peak and I've lost my $2,000.

Got two of these calls, some Mike Solgren guy, didn't leave a company name or anything, very forceful and rude a-hole.  

(602) 272-2272 / 272-2022 /1-800-394-9461

Is your email still active. Want to chat about Peak and an agreement I had with them.

claims to be a financial service company looking for someone that does not live here

more bs from one of the criminal debt collectors that work for PEAK

Peak Financial Services, LLC
(Junk Debt Buyers,  Bottom Feeders,  Illegal Debt Collectors)
2333 W. Northern Ave., #4
Glendale, AZ 85021
Phone: 602-249-2444
800-394-9461
602-349-3426
Fax: 602-249-3430  
       602-357-3488
http://peakfinancialservices.lbu.com/

Head Debt Collectors:

JAMES FREDRICK VEHSLAGE, President

CANDACE J. CAREY, Vice President (spouse?)

--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below



This is a nasty group of highly unprofessional and illegal debt collectors who think they can break the law to collect on debts. We got involved with them over a debt that (by their own records) is time barred from taking legal actions, yet they chose to lie, misrepresent themselves, contact a consumer job after repeatedly being told not to. They do not have any license or bonds that we could find. Both James Fredrick Vehslage and Candace J. Carey are listed as living at the same address in Glendale AZ.



The first impression we have of these illegal debt collectors is they have motor mouthed debt collectors who talk faster than cockroach running for cover and think their collection antics are above the law. It appears from our vantage point that they purchased a very old portfolio of old; appear to be worthless debts that they are trying to intimidate consumers into paying.



It?s the unprofessional attitude and illegal debt collection tactics they are using that made us wonder if they have a drug testing policy for their employees and perhaps the owners. They are incorporated in South Dakota for those of you lining up to file lawsuits, don?t yet know how deep their pockets are, or how many lawsuits they will be able to pay off at this time, however it appears there will be many. James Vehslage is listed as the AZ agent for service at the 2333 Northern Ave, #4, Glendale, AZ address.



A check of court cases confirms what I have suspected that they have been sued numerous times this year for abusive debt collection activity, which should come as no surprise.  This group of illegal debt collectors is on a fast track to the courthouse where they may be paying off a LOT of lawsuits for being stupid so let?s help them along. They are collecting debts illegally, so do NOT send them any money. They are liars and con men, do NOT send them any money. They are sleazy bottom feeder junk debt collectors who typically never have any legal documents to prove up their claims, do NOT send them any money. We suspect one or more criminals may be working there, do NOT send them any money.



This is a slimy, disgusting organization, stay far away from them. NEVER give a Peak Financial debt collector any information on your bank or credit cards, they may take money they are NOT legally entitled to. Contact us for assistance and referral to a local consumer law professional and do NOT have any dealings with Peak Financial.



CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

Peak Financial Services, LLC
(Junk Debt Buyers,  Bottom Feeders,  Illegal Debt Collectors)
2333 W. Northern Ave., #4
Glendale, AZ 85021
Phone: 602-249-2444
800-394-9461
602-349-3426
Fax: 602-249-3430  
       602-357-3488
http://peakfinancialservices.lbu.com/

Head Debt Collectors:

JAMES FREDRICK VEHSLAGE, President

CANDACE J. CAREY, Vice President (spouse?)

--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below



This is a nasty group of highly unprofessional and illegal debt collectors who think they can break the law to collect on debts. We got involved with them over a debt that (by their own records) is time barred from taking legal actions, yet they chose to lie, misrepresent themselves, contact a consumer job after repeatedly being told not to. They do not have any license or bonds that we could find. Both James Fredrick Vehslage and Candace J. Carey are listed as living at the same address in Glendale AZ.



The first impression we have of these illegal debt collectors is they have motor mouthed debt collectors who talk faster than cockroach running for cover and think their collection antics are above the law. It appears from our vantage point that they purchased a very old portfolio of old; appear to be worthless debts that they are trying to intimidate consumers into paying.



It?s the unprofessional attitude and illegal debt collection tactics they are using that made us wonder if they have a drug testing policy for their employees and perhaps the owners. They are incorporated in South Dakota for those of you lining up to file lawsuits, don?t yet know how deep their pockets are, or how many lawsuits they will be able to pay off at this time, however it appears there will be many. James Vehslage is listed as the AZ agent for service at the 2333 Northern Ave, #4, Glendale, AZ address.



A check of court cases confirms what I have suspected that they have been sued numerous times this year for abusive debt collection activity, which should come as no surprise.  This group of illegal debt collectors is on a fast track to the courthouse where they may be paying off a LOT of lawsuits for being stupid so let?s help them along. They are collecting debts illegally, so do NOT send them any money. They are liars and con men, do NOT send them any money. They are sleazy bottom feeder junk debt collectors who typically never have any legal documents to prove up their claims, do NOT send them any money. We suspect one or more criminals may be working there, do NOT send them any money.



This is a slimy, disgusting organization, stay far away from them. NEVER give a Peak Financial debt collector any information on your bank or credit cards, they may take money they are NOT legally entitled to. Contact us for assistance and referral to a local consumer law professional and do NOT have any dealings with Peak Financial.



CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


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

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/start.html


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

SOUNDS LIKE BS FROM A DEBT COLLECTOR

no one has ever benefited from paying a collection agency

If you are not a debt collector - let us know when the NEW collection agencies start to call you.   Because this one stole your money and sold your debt to another agency - who will do the same thing!

"Eddie" called for Juan P...  My true reply: "Not him, don't know him."  We'll see if they take my cell# off their calling list as they should.  They call me every month or so.

Have had this cell phone for 2 years and they call it constantly.

I recieved a call from 602-242-2272 saying they were doing a background check for a Richard Bird, I stated that I did not know this person and asked how they got my number, they said it was related to the case, and they did a check on the number and it came up with my last name and wanted to know how I knew Richard Bird, I said I had no clue, and that the line they had just called was actually a gov related line. They hung up.(I would really like to know what they are up to)

I dealt with Pete George and he gave me a settlement for $1552 dollars and I owed the bank almost $8000 dollars.  I don't think he was crazy at all.  He helped me during a very hard period I was going through.

These guys are not bad.  They took a debt I owed $30k+ on and I paid $8k on and was settled.  They were great.  They even gave me free advice on how to clean up my credit!

They keep calling my cell phone for "Juan Pena." I don't bother answering.  I'm not Juan and I'm not even Spanish!  Today's caller for "Juan" was "Joseph Walsh."  Peak Financial of Phoenix AZ is at 800-394-9461 and their web site is www.peak-collection-agency.com

This company called my work saying according to their records I no longer worked here.  The lady said they have a signed authorization for information from my employer but I know they DON'T!!!!!!!!!!!!

I recieved about 10 calls a day from these CRAZY people! Pete George was his name and he even called my work harassing my co-workers!! I finnally got fed up and called him back to tell him NEVER to call me or my place of work again, if you tell them that, by law they cannot call your place of work back...

Peak Financial Services LLC
(602)-242-2272

These guys are fake. They just care about getting your money over the phone using your credit card, debit etc. Don't give it to them, check around the net for Peak Financial Services LLC to find more.

a bad collection company

This person called me.  I am at a business number here, and cannot release any information about anyone here.  The person that called was so rude, and yelled at me over the phone.  I hung up on her, and she then continued to call back my number time after time, she was quite obviously a psycho.

This business would probably get more bills collected if their collectors were not so bitchy and rude.

This number belongs to a low-life bill collector out of Phoenix, AZ. Peak Financial Services, LLC, 2333 W. Northern Ave,, Ste 4, Phoenix, 85021.

Constant harassing phone calls.