As I said before, you must work for these people!! You suck!! You are nothing more that an old man that we wont have to put up with much longer!!! Go to your grave already!!

You are probably the one making these calls!! People like you disgust me!! I paid these people off and they created another bogus account claiming I owe them! You have nothing better to do with your life than be a jerk! So go in the bathroom and do what you do best with your right hand man! You don't know any of these people personaly! You don't know what they have paid and what they have not paid, you are no better than anyone!! Borrowing money is not the issue!! These people are scam artists! So you old decrepited j*** off, kiss my @ss!!

I keep getting calls from this number. I've probably gotten about three to four calls this week. I picked up this morning, and no one seemed to be on the other end.

LDG Finacial services....
They call 4 times a day or more yet when you answer phone no one is on the line, and if you call the number back you are placed on hold forever

Same as all of the above no way to call back, no message calls every day ANOYING

I just got a called today. It's a scam!!! Don't given out information hang up. They sitting at home doing nothing. Lazy people.....

yeah i just got that call too.

i was called and they left a message for me to call this number. 877 290 2718. Anybody else get this call back number? What do they want?

It's a collection company. Pay your damn bills. haha

I not only got annoying phone calls, but I also got text messages on my cell phone, I do not have a land line, only a cell...all the text message said, was "911, call, life or death"....when I called it was a collection agency..when I asked why they would send a text like they did, he said "it got you to call didnt it"....the funny thing is, is that they did have a wrong number...what idots.

Just got a call and a lady lefted a message about my resume....so im thinking its one job i emailed too.

I got another call from this number and again! I said hello and no one would respond this has happened a few times and always before 9am CT. This time they hung up before I did.

Someone just called me three times in a row.  When I finally picked up the guy was talking in Chinese and told me he had the wrong number.

You don't get it maybe if you paid your bills they wouldn't have to call you.

All this information from an obvious dead beat!

Call them and talk to them idiot. What are you hiding from?

Typical dead beat. NO CLASS !!!!!!!!!!!! Your parents brought you up right.

You have an attorney but you can't pay your bills. It's disgusting to read this garbage. A bunch of whinners complaining because bill collectors are calling you about money you owe. Have some dignity and self respect. When you borrow money from some one pay them back. The problem with this me me generation you people have zero pride.

You have call blocking because your probably a dead beat that doesn't pay their bills.

This company does not get it. I have told them several times not to call my work number.  I have given them my cell number and they refuse to discuss this issue on my cell number.  At this point I am ready to file a law suit they have no right to call my job about anything.

Some guy with southern accent keeps callin me all hours of the night asking for people I dont know.  I told him to quit calling and he just aruged with me.. P-Oed me... Will anyone ever be able to stop these guys..

LDG,LLC has a Tampa,FL office that was closed down (lol)... One more to go in GA.....(LOL)....

LDG has a Tamps ,FL office that was closed down

I have been dealing with this company for my fiance, who went to jail. Clearly I have bigger fish to fry, but this number keeps calling me. I have been paying both of our bills on my own salary. My finace told me that he knew nothing about it. The person I spoke to when i called just kept asking me for a debit or checking account number. I told her not until I knew what it was about. Since I am not the person on the account, she cannot disclose that information. Yet they somehow received my cell phone number (I did not give it to them.) And they will not stop calling. I called back today to give them the money and leave me alone. The guy told me there were too many "f**king" Smiths in the system. VERY UNPROFESSIONAL AND RUDE. Then he put me on hold for 10 minutes. Like I said, I have been dealing with much more than a financial company. I clearly I hung up and said to myself, "I am not paying that a**hole"

FILE COMPLAINTS WITH ALL


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

LDG Financial Services II, LLC

4553 Winters Chapel Rd. #200
Atlanta, Georgia 30360
Owners: Marsha J. Carbo
David Fletcher, VP of Operations

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

Bud Says                         Consumer Comments Below

For a small agency this debt collector generates a LOT of complaints.  They run the gambit of FDCPA violations that include:

Making calls to the place of employment AFTER being told not to.
Threatening legal actions they cannot or do not take.
Making the accounts know to third parties.
Threatening wage garnishment.
Using foul and obscene language.
Unauthorized practice of law.
Total lack of training in FDCPA.
Suffering from severe stupidity, ignorance and a total lack of professionalism.

This place sounds like the training grounds for illegal debt collectors.

Owner Marsha J. Carbo is making buckets of money by allowing this illegal collection activity that violates federal laws and consumer rights.


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.


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 VIOLATORS 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 ? FAIR DEBT COLLECTION PRACTICES ACT
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.

Calls start at 4am! I get about 7 calls a day, some hang up and some leave rude messages. All this for a person I dont know!! Apparently im hiding information about the person they are looking for and MY wages will be garnished in their place, and they will collect from me if I dont tell them what they want to know. Who the hell do they think they are?
I have already contated the attorney general in Georgia for harrassment, and threats.
These people are low lifes with nothing better to do with their time. I wish i could come face to face with some of the ones who have left me messages.

Do you buy ir sell on ebay, if you do these people go by the name fujoboo and are very nasty people. Let me know because the a**le is doing the same thing to me

Got a call at 9:00 AM on my work phone voicemail for someone that wasn't me; obviously a wrong number when my voicemail states my name.  David Taylor asks to call back at 1 877-290-2697 x 1238.

call from a collection agency LDG financial. in regard to a default student loan that has been paid in full for 9 years,  when I told the  caller not to call back he got rude so I got ultra rude using my fav NOUN ezplatives, and hung up ,.

they called bak many time in the same day harrassing the life out of me

ultimalty I was rushed to the hospital with a heart attack,

these collection agents must realize there harrassments can cause death and that is MURDER

Harrassing calls...period.

Calls all times of the day and night. They do not leave any message...It must stop.