Any calls from sandy miller,Sandra miller or investigater miller are fake and a scam.Do not give these people any info.They stole mine from legitimate online pay day lenders that I used 5 years ago.They will threaten and harass you.But don't fall for their scam.

Lady called from (620) 286-5358 left a message saying she was Cheryl Bickel. she did not disclose where she was calling from she only left her name & a 800 number. I tried calling back both of the numbers she disclosed but both of them came as busy. It was weird if someone wants you to call them back why would you have the line busy. Doesn't seem legit.  Will be adding these numbers to my block/reject list! Where ever you are from I don't owe any debt from you!

rev'd a call from Sandy Miller also.  She left a message but did not say where she was calling from  or who she calling from.  I called the ftc and filed a complaint against her and her phone numbers
She asked to be called back on 800-566-7698.  If she keeps calling me I will then call the Attorney General and complain.

Well, let me see! I have received calls also from Sandy Miller, Janet Hall both telling me that I owe money.  They won't tell me why or who I owe the money to.  As soon as I ask for the information both of them have started yelling at me, telling me that I am in a big legal mess and that if I do not give them my banking information or credit card they will have the sheriff pick me up in less then an hour.  They have harassed me at work, home and cell phone.  They told the receptionist at work that I am a dead beat and I owe money and gave the amount of $700 and that they should know who they are working with and that they will see me picked up by the sheriff in an hour.  Then one day Janet actually was able to get in touch with my boss, or as she asked for, human resources and told asked my boss if they knew who they had working for them and that I owed money and that they wanted my boss to give them the money and take it out of my paycheck.
I have contacted the attorney general as well as the federal trade commission and they have advised me not to pay this company any money, even if I do find out I owe money to someone, because this collection tactic is against the law and if taken to court they would end up paying me!

I got a call today from a Sandy Miller. Sounded fishy to me. She didn't even have the last 4 of my social correct. She never said where she was from though. I have had these calls before, but I ignore them, or say she has the wrong number. Fortunately for me I know who I owe and I know what numbers to answer.

Keeps calling. Who is it?

I got a call from Sandy Miller today and apparently someone took a loan out under all of my info. She was actually very helpful, but did tell me I needed to pay the amount due. I'm calling the credit agencies first to see if this lady is legit.

National Credit Adjusters

327 W. 4th Street
Hutchinson, Kansas 67504
Fax: 602-379-2270
Brad Hochstein
Dick Smith

620-663-1265
620-665-7708 or 800-542-1048
620-664-6192 or 800-835-9313
866-570-6085      901-357-9645

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

Bud Says                         Consumer Comments Below



What would you think when you return a call to: 800-835-9313 and the idiots at the other end in (Hutchinson, KS) will not identify themselves, yet threaten you with legal actions when you don't even know who they are?

This one is National Credit Adjusters.

DON'T waste your time calling them back, they aren't worth it. Agency owner Mark L. Huston must REALLY be embarrassed by his workers, otherwise why would they refuse to give even the most trivial of information?

Show Mark Huston and all of the trash working for him that we consumers are NOT into playing games with his sleazy debt collectors. Fax him the FREE cease-comm letter so he can NEVER contact you again. His fax number is: 620-664-5947

Mark Huston is a scavenger debt buyer, which makes him a gambler He is betting that he can buy old debts for pennies, then harass you into paying him dollars.



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.

YOU DO KNOW THAT THREATS OF ARREST ARE ILLEGAL - CORRECT?  

You do seem to know it is illegal to harrass you at work.


HANDLE IT CORRECTLY AND MAKE IT GO AWAY - DON'T HANDLE IT CORRECTLY AND EXPECT CONTINUED HARRASSMENT
file complaints with the
federal trade commission
your state attorney general
The state attorney general for the state they are located in

File an extortion complaint with local police

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY
Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

sandy miller called me at work,again.she said she had my husbands and my account and we better pay or ther will be a  subpeona and we will be arrested. I told her AGAIN that she couldn't harrass me at work,but she said b***s***,you're going to be arrested if you don't pay up!

THIS NUMBER CALLS MY LANLINE AT LEAST 3 TIMES A DAY. SOME LADY NAMED SANDY
MILLER(COMMON NAME) FROM NATIONAL CREDIT ASSOCIATION-THREATENING JAIL TIME IF I DON'T GIVE PERSONNEL INFORMATION-SSD, LICENSE NUMBER, BANK AND CREDIT CARD NUMBERS!! SOMEONE STOP THIS SO-CALLED LADY!! WHERE IS THE LAW WHEN U NEED THEM.

I JUST GOT A CALL FROM A SANDY MILLER-SAME NUMBER 1-620-286-5358. THE LADY CLAIMS SHE IS FROM THE NATIONAL CREDIT ASSOCIATION (NCA) AND IS TRYING TO COLLECT A DEBT. THE LADY WILL ASK FOR SS NUMBER, CHECKING ACCOUNT #'S AND NAME OF ALL BANKING BUSINESS'S YOU ARE ASSOCIATED WITH. SHE ASK FOR CHECKING AND SAVINGS INFORMATION..DEBIT CARD NUMBERS..ECT. MY ADVICE-DO NOT GIVE ANY INFO. AS THIS COMPANY IS FRAUDULENT WITH THE NYS BBB. THIS IS A LADY CALLING FROM HER OWN HOME NUMBER-DEMANDING MONEY OR ELSE GO TO JAIL! WHEN I TOO CALLED BACK AND TOLD HER SHE IS OUT OF KANSAS! SHE HESITATED THEN SAID BU***HIT AND HUNG UP! SHE IS NOT VERY PROFESSIONAL-SHE IS FRAUD!!!Caller ID: NATIONAL CREDIT
Caller: NATIONAL CREDIT ASSOCIATION
Caller Type: Collection Agency

I JUST GOT A CALL FROM A SANDY MILLER-SAME NUMBER 1-620-286-5358. THE LADY CLAIMS SHE IS FROM THE NATIONAL CREDIT ASSOCIATION (NCA) AND IS TRYING TO COLLECT A DEBT. THE LADY WILL ASK FOR SS NUMBER, CHECKING ACCOUNT #'S AND NAME OF ALL BANKING BUSINESS'S I AM ASSOCIATED WITH. SHE ASK FOR CHECKING AND SAVINGS INFORMATION..DEBIT CARD NUMBERS..ECT. MY ADVICE-DO NOT GIVE ANY INFO. AS THIS COMPANY IS FRAUDULENT WITH THE NYS BBB. THIS IS A LADY CALLING FROM HER OWN HOME NUMBER-DEMANDING MONEY OR ELSE GO YO JAIL! WHEN I TOO CALLED BACK AND TOLD HER SHE IS OUT OF KANSAS! SHE HESITATED THEN SAID B***S*** AND HUNG UP! SHE IS NOT VERY PROFESSIONAL-SHE IS FRAUD!!!

08-28-2008
Called this morning @ 9:15am, but left no message.  The caller ID shows Miller, S.  Here is who the phoneline shows listed to:

(620) 286-5358
Type: Land Line
Provider: United Telephone Of Eastern Kansas
Location: Abbyville Plevna, KS

I have no idea who this is and I don't even know anyone in Kansas.  I didn't call them back.

8-25-08: Sandy Miller from NCA left a message early morning.  I have NO CLUE who she is or what NCA is so I ignore it. She wants me to call her on a 1800 line.
8-26-08: Left a message again, exact same person. Still no clue. General same message.