Fran,

You wouldn't happen to know the connection between EBSS & Assoc and Zenith Financial Group, LLC is would you? They seem to operate eerily similar and both pass as FDCPA debt collectors.

I'm currently building a case against the latter here on DB:
http://www.debtorboards.com/index.php?topic=24985.0

And would appreciate any information that may be relevant to my investigation.

For those still getting called, here's the Georgia SOS Info

Entity Info
Entity Id 4005679
Key Indicators

Model Type Limited Liability Company Locale Domestic Qualifier None
Business NameEARVIN BOWEN SIMMS SIMMONS & ASSOCIATES LLC Registration Date4/19/2011 Entity StatusActive/Compliance Entity Status Date4/30/2012
Foreign Name Date of Organization StateGeorgia Country


Principal Office Address
PRINCIPAL Line1 1100 Hammond Dr. Suite 410-A #231 Line2
City Atlanta     State Georgia     Zip 30328


Agent
Is non-commercial Registered Agent?Yes NameSimmons, Stacey L
Address

Line1 1100 Hammond Drive Suite 410A-231 Atlanta, GA 30328 Line2
City Atlanta     State Georgia     Zip 30328
Email

Yea! Like I was really going to pay these ppl until somthing said look on line.. I have been getting threathing calls from these ppl over a year now.. They would tell me the same thing about they got court documents for me to be supoena to court..I NEVER SEEN ANYONE OF THOSE PAPERS. An I ve checked my credit report..There so called agency isnt on there! You know i always felt like something wasnt right about them.Thank u Jesus for looking out and giving me signs thru your ppl.Man they really almost had ME!!!!!!

The ex-partner of Lavell Bowne is now owner is name:Ernest Earvin III and he has 2-other alias:amir & beaver as his 1st names,the company that he owns is & location has moved to new location at Earvin Bowen Simms & Associates, LLC., the new location is Phoenix Business Park., 2700 NE Expressway.,Atlanta, Ga. 30345. He has his entire family working there, his sister name:Lydia Stewart(manager), his cousin:Zach Harris(quality control,ect),his finiance:Michelle(secretary) and his baby mother:Tersa(administration). Ernest/aka:amir just recently moved to this new location and a lot people working for him don't even know these people are related to him. Only Lydia tells people in this place that is her brother. Like it is a secret to know that the other is his family members too. Go to mugshot.com and you will see charges for both of these people, lavell bowen and Earnest Earvin, 1st degree and 2nd degree felonies for hundred thousand dollars & similiar or same charges for lavell bowen they are all over it they have both been to jail many times. Please people don't give them any credit card info or any money or for that matter do any business with these people they are not legit at all. This Is Serious.  Take a look for your self at this info even mugshots are listed. And he is a the biggest crook for a company and not suspose to be handling any credit card info with his charges. Do the research people. I think this will help any body on this site.

I too just recieve a phone call from this agency. I dont trust it. These people would not allow to even speak and that they were very rude and would not stop yelling at me.

I was contacted by this company by "Investigator Bryan Jones" from the number 678-710-8075 saying I owed a ridiculous amount. While I do remember the debt I knew the amount was not in that range. I did some research by calling the first company and that led to another few companies non which are this EBSS & Assoc. I had first agreed to pay something today then started digging around and found this site and others and find that it is a scam. I called them back asking for a letter stating exactly what I owe and the break downs since the amounts were not matching and he said ok but needed my payment. I said I am not paying anything until I see this and verify you are actually who owns my account. Because I looked up the company and it appears to be a large scam. He put me on hold for a few minutes and came back saying he would talk to the lawyer in the morning and my "authorities" would be contacting me tomorrow. I said sounds good, then he hung up. I am suspecting that they were like OH CRAP and are done. If something does come about from my "authorities" I will report back.

I just got the same kind of call from them people today. First some lady by the last name of Davis called looking for me, and act like I was somebody else, she gave me her number and name. I even ask her an what it is regards too, she told me that somebody used my ss# as fraud. So I called back an got a Bryan jones on the phone, telling me that I'm going to jail. I ask for what, he said I wrote a bad check. That I owe the bank 1400.00 from a payday loan that was taking out way last year. So he went on being rude asking me if got served by the police yet, I told him no. Then he said that your papers will be sent to the courts by Friday, naturally I was upset crying, so ask him can i make a payment arragement so he put me in hole, came back said the attorney will accept 100.00 today, I told him I did not have any money I'm just returning back from eventuateing from isaac. So he told me that I can make a payment of 619.00 by Friday and remaining of 883.00 so he ask for my address and my debit card number and naturally I gave it to him. Said once I finish paying the balance in full he email me my receipt that I paid in full. Once I got off the phone, it just did not sit well with me, so I starting praying and something just said pull up this company website up an sure enough this site came up and I have been reading all the post. Can somebody tell me what should I do.

Obvious you are a debtor!!! Man up and pay your bills without someone having to make you. By the way I am sure they are one of many calls you get about not paying your bills. As far as being arrested it can take up to 12 weeks once a order has been issued, but the Police will come to your job or home sooner or later.

Maybe the co. he works for National Credit Adjusters should know he's a felon also the feds should know this info, these bums dont care who they hurt, only want money I looked up their number and its below.

National Credit Adjusters, LLC
327 W 4th
P.O. Box 3023
Hutchinson, Kansas 67504
(888) 768-0674

I cant seem to understand how this Lavell Bowen is an owner and a convicted FELON. Thought if u ARE a convicted felon u can not be around credit cards.....???? I wonder if all their clients are aware of this info? If they dont they will!!!!

They leave me voicemails saying that someone has compromised my social security number and I need to call them ASAP, also someone else has called me and I am not sure if they are from the same company or if they sold my debt to EBSS.
either way i know they are debt collectors and you should NEVER  pay a company like this because it does not help you or your credit. However i can play the voicemails for you for your case. But I would like to sue them myself because they call my parents and my wife. If you can help me figure that out it would help me as well.

check out bustedmugshots.com and put in lavell bowen who is the owner of this company and you will see his mugshots 5 of them for theft by taken. He also works for National Credit Adjusters and they may want to know this information. I am a previous collector for his company so I have first hand knowledge of his illegal activities.

PAY YOUR DAM BILL A***OLE AND DO NO TGET ANY PAYDAY LOANS AGAIN

when they call and threaten you saying you have defaulted...they are going to the county you live in and file a lawsuit and yada yada yada..an yways everybit of what this company tells you is lies.tell them you want a debt validation letter...this is your legal right and is supposed to explain your total costs with every single fee broken down...this is supposed to come from the orginal person that you got the money from. i asked for mine three days ago...i was told as soon as she had a spare minute the girl would type it up and email it to me...i havent heard from them in three days..up to this they were calling my cell phone and calling my job at least two times a day. which by the way is illegial...since asking for my letter i havent ever gotten my supposed email that was comming or another phone call...because they cant produce it legally...do not give them a cent of your money....look them up up on ripoffreport.com.and one more thing...i also asked the first time they called if this was a collection agency and she told me no it was not...another lie...dont be suckered by these people

At FTC's Request, Court Orders Debt Collection Operation to Stop Deceiving and Abusing Consumers
FTC Alleges that Defendants Targeted English- and Spanish-Speaking Consumers, Posing As Process Servers and Attorneys
At the request of the Federal Trade Commission, a U.S. district court has halted a debt collection operation that allegedly deceived and abused consumers ? making bogus threats that consumers had been sued or could be arrested over debts they often did not owe.  As part of its continuing crackdown on scams that target consumers in financial distress, the FTC charged two individuals and seven companies in a Corona, California-based debt-collection operation doing business as Rincon Debt Management.  The court order stops the illegal conduct, freezes the operation's assets, and appoints a temporary receiver to take over the defendants? business while the FTC moves forward with the case.

Operating since March 2009, the defendants have been unjustly enriched by at least $9.4 million, according to documents the FTC filed with the court.

?Consumers have a right to expect that debt collectors will be truthful and abide by the law,? said FTC Commissioner Edith Ramirez.  ?We allege that, instead, the victims in this case were subject to abusive and illegal debt-collection practices, and that cannot stand.?
The FTC complaint alleges that the defendants targeted both English- and Spanish-speaking consumers.  The defendants called consumers and their employers, family, friends, and neighbors, posing as process servers seeking to deliver legal papers that purportedly related to a lawsuit.  In some instances, the defendants threatened that consumers would be arrested if they did not respond to the calls.  The defendants also posed as attorneys or employees of a law office, and demanded that consumers pay ?court costs? and ?legal fees.?  However, according to the FTC, the debt collectors making calls to consumers were not actually process servers, attorneys, or their employees, and the defendants did not file lawsuits against consumers.  In addition, in many instances, consumers did not even owe the debt the defendants were trying to collect.

The FTC charged that the defendants? false and misleading claims that they were process servers or attorneys who had filed ? or were about to file ? a lawsuit against a consumer violated the FTC Act.  In addition, the FTC alleged that the defendants violated the Fair Debt Collection Practices Act by:

improperly contacting third parties about consumers? debts;
failing to disclose the name of the company they represented, or the fact that they were attempting to collect on a debt, during telephone calls to consumers;
misrepresenting the existence of a debt, the amount, and other facts about the debt; and
failing to notify consumers of their right to dispute and obtain verification of their debts.
Last month, at the FTC?s request, a U.S. district court halted another debt collection operation that allegedly deceived and abused consumers.

For consumer information about dealing with debt collectors, see Debt Collection FAQs: A Guide for Consumers.

The Commission vote authorizing the staff to file the complaint was 4-0.  The FTC filed the complaint and request for a temporary restraining order in the U.S. District Court for the Central District of California on October 11, 2011.  On the same day, the court granted the FTC's request.

The complaint names as defendants Jason R. Begley; Wayne W. Lunsford; Rincon Management Services, LLC; Prime West Management Recovery, LLC; Pacific Management Recovery, LLC; City Investment Services, LLC; Global Filing Services, LLC; National Filing Services, LLC; and Union Management Services, LLC.

NOTE: The Commission files a complaint when it has "reason to believe" that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest.  The complaint is not a finding or ruling that the defendant has actually violated the law.

The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and
unfair business practices and to provide information to help spot, stop, and avoid them.  To file a complaint in English or Spanish, visit the FTC's online Complaint Assistant or call
1-877-FTC-HELP (1-877-382-4357).  The FTC enters complaints into Consumer Sentinel,
a secure, online database available to more than 2,000 civil and criminal law enforcement
agencies in the U.S. and abroad.  The FTC's website provides free information on a variety
of consumer topics.  Like the FTC on Facebook and follow us on Twitter.

I've been receiving calls from these people for a few days, once on 12/30, once on 1/2 and once this morning. Every time I do not answer. They leave a voicemail:

"Hello. This message is for from Aaron Sherman of Bradley and Associates. We are calling regarding a returned item from your bank that requires your immediate attention. It would be in your best interest to have yourself or your counsel contact our office to discuss voluntary resolution of this matter. You may contact us at 2022411440 and when calling please refer to this file number. Please be advised this is not a solicitation and we will be expecting a response. Again, the number is 2022411440. Thank you."

The name of the person changes (twice has been Nancy Bradley, and once was this Aaron Sherman, but the voice on the recording doesn't change) and the call back number changes (with Nancy Bradley it was a 9543233995 and this Aaron Sherman is the 202 number) but the rest of the message is word for word exactly the same.


Any company that can't be bothered to use my name in a message, and leave a case number is a company I'm not going to be bothered to call back. I haven't had a "returned item" from our bank in at least 5 years, and those from back then have all been taken care of through legitimate channels.

Had this same exact call today as well. Didn't say my name and never left case number either just blanks in the message where name and case #s suposed to be. Very suspicious believe it to be spam as well. Tis the season right.

I recieved a phone call from this number also. They claimed to be Nancy Bradley with Bradley and Associates in regards to a return item from my bank. I have never in my lifetime heard of these people. They said to refer to a case number and then never gave it. The message they left never even mentioned my name. If have never had a returned item from my bank and if I did, it would be the bank calling me not some other company. I left them a message as they did not answer (shocker) and said that if they wish to contact me, I want something in writing in the mail and do not expect to get any personal information from me over the phone. If that is what they want they will not be getting it so do not bother calling me back. Do not give these people your information or credit card numbers. This is a scam for sure. I pay my debts that I owe every month. I have never received any information from these people, not once. The number they asked me to call back was 1-954-323-3995 just for your info.

EBSS CAN BLOW ME..
MATT CARLISLE AKA MATT CARLISLE, REGINA SMITH, LAVELL BOWEN, AND EARVIN BOWEN ARE GOING TO NEED A ATORNEY - TRUST ME !!
THESE ASSWHOLES ARE GOING TO BE SEEING THE INSIDE OF THE FULTON COUNTY COURTS.
YOU CAN ALSO REPORT THEM TO RIPOFF.COM
READ THE LASTEST POSTINGS THAT ARE ON RIPOFF.COM
GO TO THEIR SEARCH BAR, AND TYPE IN:
EBSS ASSOCIATES - READ THE WRITE UP.
THEN
GO BACK TO THE SAME SEARCH BAR AND TYPE IN MATT CARLISLE- READ IT.
THEN
IN THE SAME SEarch bar... type in lavell bowen- read it.
then... in the same search bar... type in regina smith.
you can also report them to ripoff.com/// DO IT NOW !!

ONE PISSED OF PERSON
WE THE PEOPLE / USA

THESE ASSWHOLES ARE GOING TO BE SEEING THE INSIDE OF THE FULTON COUNTY COURTS.
YOU CAN ALSO REPORT THEM TO RIPOFF.COM
READ THE LASTEST POSTINGS THAT ARE ON RIPOFF.COM
GO TO THEIR SEARCH BAR, AND TYPE IN:
EBSS ASSOCIATES - READ THE WRITE UP.
THEN
GO BACK TO THE SAME SEARCH BAR AND TYPE IN MATT CARLISLE- READ IT.
THEN
IN THE SAME SEarch bar... type in lavell bowen- read it.
then... in the same search bar... type in regina smith.
you can also report them to ripoff.com/// DO IT NOW !!

ONE PISSED OF PERSON
WE THE PEOPLE / USA

THESE ASSWHOLES ARE GOING TO BE SEEING THE INSIDE OF THE FULTON COUNTY COURTS.
YOU CAN ALSO REPORT THEM TO RIPOFF.COM
READ THE LASTEST POSTINGS THAT ARE ON RIPOFF.COM
GO TO THEIR SEARCH BAR, AND TYPE IN:
EBSS ASSOCIATES - READ THE WRITE UP.
THEN
GO BACK TO THE SAME SEARCH BAR AND TYPE IN MATT CARLISLE- READ IT.
THEN
IN THE SAME SEarch bar... type in lavell bowen- read it.
then... in the same search bar... type in regina smith.

ONE PISSED OF PERSON
WE THE PEOPLE / USA

1. Call and report EBSS & Associates to FTC (you will get a reference number so that you can call again about the same company or a person). FTC is looking into the abusive practices of this company. Class Action may be a possibility.
2. Call BBB and file a complaint
3. I have retained an attorney regarding phone calls and have provided them with all recordings and messages they left.
4. Call AG in your state and file a complaint.
5. Don't take phone calls from them. Let them leave a message, and save the messages.

Debtor's has been callling my job,trying to harrass me for some money. Then today i get a call and they said I owe some money!! Today i filed a complaint against them!! Thank you God for leading me to file a complaint.

I set up a payment arrangement to be deducted $100.00 a month to pay my debit & they took out $309.00. I figured it was a simple error & contacted them immediately. They said they would correct it & I waited 7 business days. NOTHING WAS DONE. I called & left messages for two weeks and no one has called me back. I'm now disputing this with my bank. DON NOT GIVE THEM YOU CREDIT CARD OR BANK CARD INFORMATION. Once they get there money they will not call you back or answer any calls. They even hung up on me. I will be reporting them to the BBB ASAP. Be warned!!!

Contact the FTC 1-877-382-4357
Contact the BBB
File a complaint http://consumer.georgia.gov/form/consumer-complaint/step1
file a civil and criminal complaint in your county court
file a class action suit against EBBS

Lavell Bowen of EBSS and Associates.
email is lbowen@ebssassociates.com
officel @ 404-227-8135
There is a website for EBBS with the physical address promoting "relentless ways of getting debt resolved for their clients!" (including breaking the law????)

The so called "investigator" caller makes threats to me and tells my coworkers about me at work and makes threats to have me arrested so called COLLECTION AGENCY iS ALLOWED TO DO THAT? EBSS is misrepresenting themselves as sheriffs office???
Where is the police now?
File a complaint today about illegal "business" phone calls EBSS and Associates breaking the law!

A person called my work and my work office people, saying he is an investigator and it is urgent to call him back right away. When I got a message and called the person but it went in the voicemail. I called the second time and the woman answered and said that the person I was looking for doesn't work there any longer. I was very surprised to hear that, and realized I am being scammed. When asked why are they harassing me, she started speaking really fast and over me and I told her never to call me at my work any more, EVER AGAIN, and she said to me never to call her office any more (I called because they called me 5 times within 20 minutes making threats and never introducing themselves as bill collectors as they are called on internet with score of "F"), She hung up on me never told me why is she calling. Another person called me after that and left a message to call him. At that point I was already told by them never to call them and have already googled the number and filed a complaint with the FTC and AG. I was instructed not to accept any phone call from them and to report them if they continue calling. FTC and AG has a file on them and have told me to be aware of their fraudulent activities. Save all messages and record all calls. I am planning to use it. Fraud 100%

I received a phone call from these "people" I had a payday loan that I did over the internet the first repayment was fine they took the partial amount that we agreed upon. Then the issues started they were supposed take out a payment two weeks later and then two weeks after that until it was paid off. All of the dates were set up to have money deducted on my payday. These "people started taking money before my payday; they hit my bank 3 times before the date that I had agreed upon. There was no money in the account so I had overdraft fees on top of overdraft fees. My bank told me to close that account and to open another one and ask the company if I could send them a cashiers check for the payments. Well they didn't want checks sent to them they wanted my bank account information so that they could take it out of my account themselves. I told them that my bank told me not to do it that way to avoid other problems. back to today This person called me left a message, then called my husband and told him that they were issuing a warrant for my arrest for check fraud. I called him back a Mr. Darden and he started yelling at me when I told him that I had problems with the company that they do business with and he told me that I was a thief and needed to pay the money by the end of business today or expect to have the police at my door. I want to know if they can take me to jail behind this or if it is BS.

do not get intimidated for those thieves, that EBSS company lack of ethics

Bryan,
Can you please send me a private post or email, or just call me?  I have a client who has the same story as yours and I'm trying to find out more about EBSS.  And maybe your friend who does collections and researched them to explain this company to me.

Can you please contact me as a potential witness on a case that I'm working on?  954-769-0745.

I received a call but I dont knoe if it is a scam or what cause I dont even have the cash that there asking for christmas is already here and ive wasted all the cash I dnt know wat to do.