Keeps calling and hangs up without talking
He makes us talk and stay on the line then hangs up

they say they are fom union federal and when in asked them the reason for the call they say its about the mortgage ant then hang up.  they call very oten at least 3 times a day

Someone calls my home from this number but never leave a message

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!

Allied International Collection Agency


Date:
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

Your representatives have been trying to contact me,   I am requesting again that you cease and desist from contacting me.  Please remove the phone numbers XXX-XXX-XXXX .  The calls constitute harassment at this point, which is causing a major disruption in both my business and personal life as well as being an invasion of my privacy, which I will not tolerate.

If you continue to contact me, I will file a complaint with the Attorney General.  The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing to cease all phone communication.  Please comply with federal law or a complaint will be filed.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.  For help with Lawsuits, or individual questions please contact me at: www.tlcpetmommy@gmail.com

© tlcpetmommy copyright 2009 All rights reserved tlcpetmommy@gmail.com

keeps calling and hanging up

Debt Collectors ? Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I?ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!

Allied International Collection Agency


Date:
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

Your representatives have been trying to contact me,   I am requesting again that you cease and desist from contacting me.  Please remove the phone numbers XXX-XXX-XXXX .  The calls constitute harassment at this point, which is causing a major disruption in both my business and personal life as well as being an invasion of my privacy, which I will not tolerate.

If you continue to contact me, I will file a complaint with the Attorney General.  The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing to cease all phone communication.  Please comply with federal law or a complaint will be filed.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.  For help with Lawsuits, or individual questions please contact me at: www.tlcpetmommy@gmail.com

© tlcpetmommy copyright 2009 All rights reserved tlcpetmommy@gmail.com

He keeps calling my (new) home phone # as well.

ID Caller says Tim Garrison. He just hangs up when I answer.  I live in NJ.

I called my local (NJ) Police Dept and they're contacting the Patchogue Police Dept.

Call your local Police Dept at a time that you think they are slow, not real busy. So, maybe do not call on Friday nights, Holidays, weekends, bad weather.

Give them all the necessary info from other Posts here ...  his name, address and so on.

If EVERYONE does this, maybe they'll arrest this creep. After all, we have his location/address in Patchogue, NY

By the way, he's been doing this for many years ... it's not anything new

He used to call me at my former house, at a different phone # before I sold my home and moved to a different area. I did not leave a forwarding phone # so I do not think he traced me here or that he's following me.

Now, one year later, he's calling me again ... at my new residence/new phone #.  
I don't think he's specifically after me, I just think he's a nut case who randomly calls ALOT of people.

CALL YOUR LOCAL POLICE DEPT - NON-EMERGENCY # during a time when they are not too busy.

Heard a knock on the door. Did not recognize the person. As he walked down the driveway, he calls the house...Garrison T comes up on the caller ID...He drives a black VW Jetta. Could not get a licence plates number... Why is he comming to our home?

I STARTED RECEIVING CALLS IN JANUARY FROM THIS NUMBER. THEY CALL SEVERAL TIMES A WEEK, USUALLY TWICE A DAY (DURING AFTERNOON AND EVENING). MY CALLER ID SAYS THE CALL IS FROM "GARRISON T". I DON'T KNOW OR ASSOCIATE WITH ANY INDIVIDUAL OR BUSINESS OF THAT NAME OR FROM THE NEW YORK AREA (SEE OTHER POSTED COMMENTS). IF I'M HOME AT THE TIME OF THE CALL I LET IT GO TO VOICEMAIL; HOWEVER, THIS HAS NOT RESULTED IN ANY INFO OR MESSAGE BEING LEFT ON MY VOICEMAIL BY THE CALLER TO DATE. HOPEFULLY THE CALLS WILL STOP.

Male caller said if let come to your house, i will...laugh's and hangs up

Ken Slavin shows up on my Caller ID since Monday dec 7 when I call back the phone #631-289-1190 it comes back disconnected.  When I anywho the phone # it comes up with and address in medford where I live.  Very wierd and annoying

[quote=Mandy - 15 Aug 2007]
Thanks for "all of the above"! I received another no-response call from that number this afternoon, so submitted FCC complaint form 1088 "Electronically" (computer).
Submit form to Federal Communications Commission via their website http://www.fcc.gov/cgb/complaints_tcpa.html

I also contacted the Patchogue chanber of commerce (631) 475-0121  http://www.patchoguechamber.com/ with the complaint;  the representative was sympathetic and interested in investigating the issue.
Good luck to us all.[/quote]

Well, obviously they didn't "investigate" anything, because my mother , who lives in Miller Place (20 miles away), got 4 calls from this number today.  (Her number IS listed in Verizon's phone book)  I hope they call tomorrow night, because I"ll be there and I"ll answer the phone.  

I guess I should call the Patchogue Chamber of Commerce and complain too!

Funny thing, I live in the 289 exchange area and thought it odd that a number from this area was calling mom in Miller Place! LOL.

picked up and they hung up, first time getting a call from them.

When I call this number back is says, "this number is no longer in service". It's getting me pissed off!

I got a call from this number asking me for my parents(since im 14) nd then i put a scarface soundboard these a-holes never called bak i told dem to go f themselves like 100 times i called bak nd asked to speak to a supervisor nd used a mikeal jakson soundboard never called bak lol

They keep calling several times a day, every day and just hang up

They may be using a small Office Phonesystem where you can actually tell the system what the caller ID number should show up as, we have companies we deal with where thay have Offices all over the country and want the caller ID to show up as the main office location.

This person has called us 11 times within two days... We called them back once and a young lady answered, claiming that she had never called this number before. After reading these reports, we called back again to see if the disconnection issues reported, were true. Indeed, the number had been disconnected. We have contacted the Patchogue Police Department, and they will now be screening calls by this number and the name "T. Garrison." (Alias Guiseppe O. Vargas.)

I too keep getting calls from this number. No messages we left. The name on the Caller ID comes up as T. Garrison.

hi. i live in nj and they called my house yesterday at 1pm and 10 min ago. when i answerd yesterday, they wanted to know if the homeowner is available and they never leave a message

what if ididnot and he calls agin

we have been called by this number severial times and they just hang up I have found that it is located in patchogue ny. I call it back and it is not in service at this time. How can that be???

This idiot just called my house and asked my 10 year old sister to pick up her shirt and show off her breasts. New York again, and I can't call the a** up.

My wife rec'd a call from these people today, saying they could offer low mortgage rates and wanting our household income, birthdates, etc.. Tried calling the number they left, but got a message saying the number was out of service and no info available.

Spoke w/ Executive Director of Patchogue Chamber of Commerce, per suggestions in earlier entries, who recommended contacting Suffolk Cty Consumer Affairs (631-853-4600)..

Interestingly, when I mentioned the address someone found above, she said that's a purely residential area, so it's clearly someone working out of  a home.

(631) 289-1190
Type: Land LineProvider: Verizon Location: Patchogue, NY

Guisseppe Vargas aka Guisseppe O. Vargas
7 Reel Street Address Apt. A
PATCHOGUE, NY 11772-7926

Previous Address:  35 Carman St.
                 Patchogue, NY  11772-3801

ALSO:
contact the Patchogue chanber of commerce (631) 475-0121

Chris from Union Federal savings promised 5% loan also.
7 Reel Street Address is a (welfare) courtyard apt. complex. I tried calling back that # and the phone is disconnected. They must unplug it or they cannot recieve phone calls there. It is not a business address!!

They called me by my name. Then they said they were Union Federal. They said they have done work in my area and asked if I was still paying a high mortgage rate and they could give me 5 or 6%. I said no thank you and hung up.

hi. i've had 7 calls from this number w/o a msg.  at least one was a hang-up / auto-dialer.  today, i stayed on the line and he said he was from a bank regarding my mortgage (i rent).  he had my street address and implied that my mortgage was not complete.

i filed with FCC-1088 - http://www.fcc.gov/cgb/complaints_tcpa.html

Get calls from this number several times a week, and sometimes several times a day. Same as all other posts - won't leave a message and won't identify self.

Has called many times and never leaves a message.
Normally, when I get a call with the "2 second pause" after I answer, I just hang up, but this one just keeps calling. So this time I waited, he identified himself with "Union Federal". I just told the guy to stop calling. I'll see if it works.