626-303-1903
CA, US
lucy
lucy
2012-06-01 18:09:23
Unknown
Who can I report to? Western Dental is also harrassing me, they indeed did take the money from my bank and refuses, to acknowledge that that they took the money. They stop services on my daughter.
upset
upset
2012-05-25 00:21:53
Debt Collector
i got a call from an obvious debt collector.  I called back and spoke to sally vega.  she was the rudest person i have ever had to deal with.  after i told her that i was unable to pay my rent this month and have been unemployed for 3 years, she told me to get a life and get a job. after i told her that i could not promise a payment to her at this time, she started to yell at me and told me that i need to get my life together and get a job.  she sounded like an older woman so i tried to be respectful to her.  she kept yelling at me after I had asked her to please stop because i could no longer understand her.  she then told me that if i do not pay $700 by the end of the month then she was going to report it to my credit, and that I will never have anything and when i get kicked out of my place, that her reporting this to my credit will not allow to ever rent again!
i love how these people are so tuff on the phone. if you want a payment sally vega..... come to my door and get it!
Rebecca
Rebecca
2012-04-20 00:23:26
Debt Collector
the number showed up like this 000-000-0000 when i heard the voice mail it was some man sounding like he was on a  megaphone looking for me then left his name which i couldnt understand then left the # 626-303-1903. with an ext.220
kortney
kortney
2012-04-05 18:10:27
Unknown
i know that man would call me all hours of the night. and told me that he feels sorry for me and i need to get a job and a life to pay my debt. I cant express on how much i WISH i NEVER delth with western dental. they are all about the money thats why they over book people and they dont take their time with you, its like they are rushing you out of the chair to get a nother person in it..
Eddie
Eddie
2012-03-15 23:54:16
Debt Collector
I received a call from #626-303-1903 from a man named Mr. Garcia. He said that he was calling about my wife, because she had not payed her payments to Western Dental. I let him know that I lost my job, and that I was barely getting back on my feet. He said that he would set up a payment plan for me to pay, but it was too much. He let me know if I did not pay, they were going to file a lawsuit against my wife. I don't know if they can do that. I ended up hanging up the phone, and he ended up calling my phone again the next day. My neice answered my phone when I was at work, because she takes care of my kid's while I am at work, because my wife has an illness. He thought it was my wife, and started telling my business to my neice. I did not appreciate that at all. I found out that if creditors continue to call, let them know you will report them to the ftc, and write them in writng to leave you alone.
Defense
Defense
2012-01-11 18:12:35
Unknown
It people don't like being called about money they owe and "are accidentally, forgetting to pay," don't argue with people just say im irresponsible and I'm not paying!!
Don't justify your irresponsibility with other peoples actions!!
Rick
Rick
2011-10-29 19:23:27
Unknown
Collection company
Chris
Chris
2011-09-22 20:28:24
Unknown
Go to this website and make a formal comlait to the Federal Trade Commision.
https://www.ftccomplaintassistant.gov/

The go to your states Attorney Generals Office and make a complait with them....
Here is Californias.
http://ag.ca.gov/contact/complaint_form.php?cmplt=CL

If enough people start formally complaining they will have to do something!
Chris
Chris
2011-09-22 19:14:20
Debt Collector
As for a validation of debt before sending any money to anyone. They have to provide it by law. We asked and they have not provided. They are Western Dentals Recovery System. They are calling my wife for work they did not do. Gilbert at RRS can keep calling all he wants but will receive nothing untill he provides proof of the debt.
Jasime
Jasime
2011-09-13 01:21:45
Unknown
This guy Javier which I spelled wrong the first time is from Western Dental. Just a scare tactic. and the date he called is 9/12/2011
jasmine
jasmine
2011-09-13 01:15:38
Unknown
Says he's a lawyer and he's known in the office as Mr.Garcia. Asked what his first name is an he replied Havier. He also stated that the person that answered the phone, prior to me, AFTER CALLING FIVE TIMES WITHIN 5 TO 1 MIN APART, was rude. Well if Mr. Garcia didn't keep calling, the person  before me wouldn't have been rude.
ann
ann
2011-07-13 00:34:47
Unknown
i received a voice msg today from Mr. Arrera. Like all the comments above about these callers, he was rude, obnoxious, and had a heavy accent. Not trying to be racist, but he was obnoxious. Didn't get to talk to him, but I know he is a haux so I won't bother.
JOSE
JOSE
2011-06-08 20:09:11
Debt Collector
THEY  CALLED,IM A REFENCE I GUESS,  I SAID WRONG NUMBER AND  TOLD ME THEY HAVE A LAWSUIT AGAISNT MY FRIEND (TOO MUCH INFO ) DONT YOU THINK!  ARE VIOLATING A LAW?
cl
cl
2011-06-06 20:53:12
Unknown
Person on the message says his name is ED
Jeremy
Jeremy
2011-06-06 20:53:12
Unknown
Reliant Recovery Services of Monrovia/Glendora California. Per Other Posts: They are apparently a very rude, persistent, collections agency even when they have the wrong person.  Folks don't recommend sharing your information with them.  



X8P3
Jeremy
Jeremy
2011-06-06 20:53:12
Unknown
Reliant Recovery Services of Monrovia/Glendora California. Per Other Posts: They are apparently a very rude, persistent, collections agency even when they have the wrong person.  Folks don't recommend sharing your information with them.  



X8P3
eddie
eddie
2011-06-06 20:53:12
Unknown
stated they were from RRS and refered to the message as a Case like they were trying to intimidate and then used my sons name who is 14 as a point of contact.. total rude a** people.. told them in the process of bankruptcy and they said they did not care they were still persuing and was still going to call..when i told them it was illegal to call me they said "sue me" and stated they will talk to me later then hung up..
pissed off
pissed off
2011-06-06 20:53:12
Unknown
Stated they were from RRS called my home, my cell and my work. Wouldnt really tell me what is was all about. just really mean. My daughter answered the phone and she is 14. They were very mean to her, asking her name and personal information. I got pissed and they got were really rhude. Who ever hires these people are looking for purely unhappy @ss holes who have NO life
JIMMY
JIMMY
2011-06-06 20:53:12
Unknown
He initially kept threatening instead of telling the situation as well as his name and where he is calling from, very rude;  eventually he said his name is Mile Martinez from RRS.
say-cheez
say-cheez
2011-06-06 20:53:12
Unknown
Yep, they are a debt recovery firm, called me yesterday, and Western Dental is one of their clients as confirmed during the call.
The RRS jerk (didn't catch his name) was very condescending, and they don't always have their facts right either, said I hadn't paid anything since 2008, which is total bull and I have my statements from WD as proof.
They threatened to put my case in the hands of attorneys to seek a court judgment against me if I didn't pay them at least a certain sum "by 5pm today". They claimed this would add over $1000 in legal fees to my existing debt... I had my doubts, that figure sounds very OTT to me, and my original debt is only a fraction of that amount. Probably just a scare tactic, I figured, and besides, I didn't have the sum of money they were asking for anyway. If I'd had the money, I would have just paid them there and then to get them off my back, but I didn't have it, so I had to show some "cojones".
I held my ground and stayed strong over the phone, part arguing back, part negotiating... I slapped him down for his rudeness a couple of times, I said flat out that I was going to stand for any of that and that he would recover ZERO dollars from me if he continued that way, I lied to him about owing money all over town, and my future options would be either file bankruptcy or leave the country. Either way would leave him screwed. I said I have no job, no family, no happy life anymore, so I have nothing to lose. I made him believe that my threat was real, but I also told him my car was up for sale, so some money should be coming in soon. His tone softened a little, and I got them to give me another couple of weeks to come up with 'some' money, not even the full amount I owe. Just enough to prove that I am trying to pay them. Meanwhile, my debt is 'frozen', no further late fees, and not going to the attorneys just yet.
$1400 legal fees... yeah right, they can stick that where the sun don't shine.
Danny
Danny
2011-06-06 20:53:12
Unknown
Got another call today from a guy named "Richard," from "RS," so I decided to listen to his lies, just for grins. (The first few times that he called, I answered the phone, and then just put the phone aside and let him talk to air.) He called himself a "legal processor." When I asked him what that was, he didn't have a very good answer. He just kept trying to get information out of me, and when that didn't work, he got rude, as expected. He basically wanted to shake me down for some cash for Western Dental. He said that he "wasn't trying to get a cent from me" (yeah, right), and that I had a "big problem," (I'm scared...), and the longer I refused to talk to him the "bigger the problem would get" (now I'm really scared...). He said that Western Dental was planning to sue me, and yada yada yada. I cut him off and said "go for it," and hung up. He called back two more times trying to get information, and when I didn't give him any, he called me a "chump" and hung up. Now I'm shakin' in my boots that Western Dental is gonna sue me. I'm on social security and food stamps. Western Dental gets nothing, and "Richard" can go **** himself.
Andrew
Andrew
2011-06-06 20:53:12
Unknown
Got a call this morning from Sally (some C**T with an accent) and she proceeded to lecture me about the real world, and then said "You better not get a nother tooth ache, and if you do youre going to have to find another dentist!"  She made is sound like Western Dental was some kind of magical experience that I will be missing out on if I dont pay them. When I told her that I just started a new job and would need some time to get things lined up, she starts getting all condisending, saying "ooooohh poor you youre on your own now and you have to work like everyone else..."  thats when I got pissed and told her she had no right to lecture me and to go f**k herself....she told me to grow up then hung up. HAHAHAHAHAHAHAHAHAHA She has no idea who she is dealing with, this is going to be fun for me. Not so much for her. Monrovia isnt that far from me  ;-)
$$$$$$$$
$$$$$$$$
2011-06-06 20:53:12
Unknown
Its unfortunate to know there are people in this world who go and get services with the intent of not paying and too say your living off hard working peoples taxes is a bit pathetic. Good luck next time you need dental care.
chelsy
chelsy
2011-06-06 20:53:12
Unknown
okay so i owe WD  yes i know like  900 dls so now this javier garcia from rrs keeps calling at first he said oh you owe 2000 and if you dont pay by tomorrow wer making a lawsue against you and is going to be 900 dls more of interest ! and i was horrified so i said noo lets work somehting  out i have no job no money and he said well you can make a payment of 500 tomorrow and there is no lawsue against you and i said okay. then he called me again the next day to make sure if i had the money and i said sorry javier i dont i only have 250 i can makey the payment and i can pay 200 dls every month till i finish with the 1900 and he said noo no no am going to have to sue you and i said no but why so javier said hold on and he left me in the line for like 20 minutes so i just hunged up.. okay are you serius am trying to pay this guy 200 dls a month and he is just being stupid!! what can i do?
Mr. Bill
Mr. Bill
2010-12-13 22:22:52
Unknown
How about if you just pay your bill - this way you wont have to have your account turned over to a collection agency?
Stephanie
Stephanie
2010-11-29 18:04:51
Unknown
They told me they were an Attorneys Office?
lamet
lamet
2010-04-30 18:16:37
Unknown
Reliant Recoveries, Inc.  
2701 Wetmore Ave Suite #301
City : Everett
State : Washington
Zip : 98201

--------------------------------------------------------------------------------
Phone No.  888-333-1095 425-740-3605 425-740-3616 425-740-3600  
Fax 425-303-2554  

  http://reliantri.com/
rgoins@reliantri.com
 
 

Notes
Criminal Organization operated by convicted felon Randall Goins. No license or bond found anywhere we checked. Threatening debt collectors with a noticeable lack of social skills. This is a waste of time, they should be avoided by everyone.  


DEBT COLLECTORS MUST BE LICENSED IN YOUR STATE TO COLLECT DEBTS - CHECK YOUR STATE GOVERNMENT WEBSITE FOR THIS INFORMATION.


www.naca.net - Attorney's qualified to handle debt collection laws and many will work on contingency.
At the very least you can get a free consultation.

GET THEM ON THE FDCPA VIOLATIONS - YOU CAN SUE THEM



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
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
lamet
lamet
2010-04-30 17:44:50
Unknown
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
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
jasmine
jasmine
2010-04-30 16:53:36
Unknown
I had this same situation. They really scared the hell out of me by harrassing me and threating me.
They didn't want to work with me at all. My husband is unemployed and I am working part time at minimum wages. Cannot pay back now. I offered 20 to 25 dollars a month and he refused. And they never gave me a bill on what I owe. Should I sue them for harrassment?
lovechild
lovechild
2010-04-02 22:50:26
Debt Collector
Yea they called me several times RUDE as ever,We literally cussed each other out back n forth and then some guy named mr.posas  called me from a private number stating of I didnt call and apologize he was gonna send his family members over that lived just 4 miles away TO COME SHOOT ME UP,LOL f*** HIM and that company.All they try to do is use scare tactics to get money,I called back and they said they were gonna call the police but they never did....DO NOT ANSWER,they'll piss you off and make u wanna hurt somebody!!! ugh!!!!!!!!!
1-888-556-5158 1-866-488-4299 1-604-321-4514
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