I received a message from a Mr. Taylor from this number 678-500-8456 stating he had a claim about my social security number that ends with my last 4 digits.  I don't trust anyone.  You will not receive a dime over the phone.  I need to see something in writing and what it is about.

I received a call from a Mr. Taylor at this number.  He was asking to speak to a Dena Bell, who does not and never has worked at our place of business.  I told him that and then he began asking questions and demanding answers, i.e., address, phone number to HR dept., my supervisor (and I am the supervisor), etc.  I refused to give him any information and began to ask him his same questions.  Mr. Taylor didn't like that, so then he began telling me I was unprofessional, and calling me names.  He also said he had a judgment to be served for Dena Bell and that he will be sending them to our business, he said he didn't think I understood the magnitude, and I just went back at him with a big, BLAH BLAH BLAH.  He eventually hung up seeing he wasn't going to get any information out of me.  I called that number right back to speak with his supervisor and Mr. Taylor answered, apparently he has no supervisor.  He seems to think he is "SOMEBODY" and can "threaten" information out of people.  He also seemed to want to just "hang" on the phone while nothing was being said, fortunately, I could hang as long as he could.  So, Mr. Taylor, if you are reading this...Don't call my place of business again.

It is Delanor Kemper in Atlanta.

I too received a call from 1-678-500-8443.  It was from a lady named Karen Walker.  She said the system had wiped out all my information and she needed my credit card # again to continue making payments.  Its for a delinquent payday loan and i had already made $400 + payments on it and now it gets wiped out?  I don't understand.  I'm not sure if its a scam or its legitimate.  I'm leary about giving out my information and if all my info got wiped out, how did they still have my phone number?

i have had family recieved calls from a mr.taylor at 678-500-8456.and says he has my social and read off the last four of what he thought it was what do i do about this? any help is useful thank you

he cannot have you arrested.  that is a scare tatic and it is against the law

Maam, Just read some of the posts above, there is one above that points you in the direction to information regarding this.  You cant be arrested for the most part.   have them show you proof you owe this debt, original contract, etc etc.   He is purposely using scare tactics on you and nothing more....he is breaking the law, if you can try and record the conversation, tell him ahead of time that for legal purposes and training you are recording the conversation, he will shut right up..

I have been paying Mr. Harrison $140.00 since August..... He told me he would file Fraud charges against me. I have repeatedly been asking for something in writing confirming the debt and the payments that have been made. He has provided me with nothing. I am a single mother and can not afford to be arrested because there is no one to take care of my son, so I have been paying. Now I don't know what to do. I have a moneygram number that they give me, it's for an Anchorene in Atlanta, Ga...

A Mr. Harrison called my office today saying that he would have me fired and then arrested if I didn't pay him 400 today. I have no intention of responding to such "scare tactics."

That Mr. Taylor got me for 300.00, saying he would have the police at my house. It was for a payday loan. I never heard from the original owners. I phoned Attorney general and reported it. I am now getting calls from a Mr. Harrison from 404-935-4195  . H e informed me if I didnt wire him 100.00 by noon 10/15/10 that I would be arrested, He was reported to attorney general also. If anyone else has delt with this number, please comment

1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


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




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There?s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors ? or if you dispute the legitimacy of a debt ? a debt collector may contact you.

?Time-barred? debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General?s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a ?debt collector? generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt ? or any debt for that matter ? can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don?t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you?ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you?ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again ? except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn?t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney?s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works 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 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. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. 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.
October 2004

I have just received the same call from this Mr. Taylor. He does not seem like a nice person and I do not answer his calls. If you want to contact me....do it by mail!! I think these collection agencies...if thats what they really are...need to be regulated. It is not right for them to try and bully someone in to paying something that is not even theirs!!

I am not even the person who is on the account.  I have repeatedly told this clown that I do not know this person.  When I told him that he has the wrong number and that I've had the number for years, "How long have you had 'Ms. Marino's' phone number?"  !?! He then asked me why I thought she would've given out my phone number as hers.  I told him I wasn't sure why on earth she would lie to avoid such a charming and interesting conversation and told him he was a jerk and hung up.  He called me back to tell me he'd been called worse by better.  I told him he was breaking the law to continue to call me and I would forward his information to a lawyer if he continued to call me.  He hung up.

Look, I believe people need to pay money that they owe, but a company like this that is in clear violation of the law needs to be stopped.  If this guy continues to call you, tell him he must stop--send a certified letter telling them they must stop or you'll sue.  If they continue...sue the pants off of them.

If I get another phone call from them, I will not hesitate to pursue legal action.

Yes, he has contacted me too.  When people say things like that, make sure you file a complaint with your state Attorney General and with the FTC.  I gave him a prepaid card as well. Thank God!! I commend each and all of us for fighting back!

Mr. Taylor is pulling the same tactics with me.  Said he is gong to put me in jail and so on.  Was laughing at me and telling me I was stupid. He is a collection agency and an a**.  When you see that number pop up, don't answer it.

The investigator Taylor has been calling some of my family members to get a hold of me. I finally get a number that is the same number that everyone has been called by stating I had 48hrs to pay 1360 to settle a debt of 1565 from WAMU. He stated I would get arrested and He has a home address of one of my relatives and now I have to cancel a prepaid card number I gave him. Luckily it was only a prepaid card. How do I stop this person from harrassing me.

These people keep calling my work number in which I never gave permission. I googled Deleanor Kemper and Associates and then went to BBB.  This company has a D- rating and they are a collection agency.  They buy old collection accounts and then try to collect on them.  They use a scare tactic to try to get you to pay them.  By law, if they are not the original owner of the account, they can not collect.

Got a call from Mr. Taylor concerning a complaint against me and that he needed a statement from me. He also needs to make a decision that will be pretty uncomfortable for me if he doesn't hear back from me.

Yeah, got a call from "Herbert" too. He called me representing Check N Go.

Caller stated he was from Deleanor Kemper and Associates, and said his name was Herbert.  He called my home number and stated he was calling in reference to a bank Account when my home number is not listed at my bank, it's not even in my name!!! Saying it was extremely important and someone should have called me sooner.  There is NOTHING wrong with my account

Represented himself as an agent investigating a fraud claim. Made himself sound like a government person. Called me at work and I couldn't talk to him, since I'm in retail and had customers and a boss down my neck. He left this number for me to call him back and when I do I get a machine that I leave a message on is machine for days and nothing back.

Represented himself as an agent investigating a fraud claim. Made himself sound like a government person.

Mr Taylor has called me several times at my place of employment using several different reasons.  Today's reason was "regarding a complaint".  It is a collection agency and I have no intention of them bullying me into paying for something when I do not even know what it is.  I do not know about any of the rest of you, but I owe some bills, but do not intend to take care of them by harassing phone calls.

Last time (a few months back he used the title Inspector Taylor.

I received the same kind of call today... "Agent Taylor" calling from the investigation unit the phone number the guy left 678-500-8456 and he also left a Ref Claim #... I also thought it to be strange !!!!

Found out the name of the company is Delanor Kemper in Atlanta
It is a collection agency misrepresenting themselves. Caller ID on work phone told me who it was

Got the same call from "Agent" Lee Clark from the investigation unit. Gave a case number. Found it strange that they would have an out of state area code. Tried to do reverse number lookup but only know its Atlanta Georgia.
Probably a collection agency and I believe they are misrepresenting themselves also but since we have no name I guess not much can be done.

Collection agency calling; representative stated he was an investigator (misrepresentation); would like to know what collection agency he works for.