704-464-6550
NC, US
 | Chuck 2011-06-06 20:54:59 Unknown |
This is Mail Fraud. I got a letter in the mail first from a place called NCRS-Debt Collect, stating that I owed $189.99 and had to pay ASAP. The address on the letter was 349 L Copperfield Blvd. NE, Concord, NC 28025. The contact number was 704-464-6550, so I gave the number a call & got a voice mail and left a message. She soon gave me a call back and told me I had bought several magazine subscriptions back in 2002 that I never cancelled and I owed them $189.99. I never ordered any magazines. Three days later I got a three page report, after which I tried calling them back. I tried 5 times and as soon as she heard my name she hung up on me. If you get a letter or a call from these people do not pay it.
| Gayla from Battle Ground, WA 2009-11-25 01:50:20 Unknown |
I got the letter on 11182009. I called three times and only got a voice mail. Today on 11142009, I finally got through to a live person. She did not give a name but when I questioned her as to what this bill was about she became very abusive and said that she is through with all of my "B.S." and if I don't pay in five days it will go on my credit report and there will be an additional $300 added to what I owe. She then hung up on me. That is when I got serious about finding more about this company. After reading these reports, I will be filing a complaint with the attorney general in NC and Washington and with the post office.The phone she now uses is 704-464-6398. She said her collection managers are Bethany or Lewis
| Aaron 2009-10-15 19:43:33 Debt Collector |
We to as a company were about to be scammed by THE VISIBLE JUDY, but after doing some checkING around, we found all of these complaints about her and her so called company. Thank You for taking the time to inform everyone on the web about her scam. By the way, this sorry excuse for individual lives in CONCORD,NC. JUDY NYE 1373 ZERED PLACE NW CONCORD,NC 28027
| LAMET 2009-09-24 12:34:26 Unknown |
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
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!
Dealing with Debt Collectors
http://www.budhibbs.com/start.html
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
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
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!
Dealing with Debt Collectors
http://www.budhibbs.com/start.html
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
| Juliette 2009-09-24 12:24:01 Unknown |
My mom received the same threatening letters, claiming she had ordered and failed to cancel the magazines in 2004! The first communication from them came 5 years later? She's already sent a letter to the State Attorney General but will file with the other forums as well. Thanks so much for sharing you experiences, definitely take action and stop this scam!
| Erin 2009-09-24 02:48:17 Unknown |
I too got a letter today from US Postal Inspection Service. I filled out all needed information and sent it in. I am more than willing to help in this investigation. I hope these people are stopped! Take action and stop this scam!!
| Mari 2009-09-23 19:28:25 Unknown |
I received a letter at my parents' home today. My mother usually opens mail with my name on it and notifies me immediately of the content. She freaked out but because of this site I was able to calm her down. The company was NRS - Service at 704-464-6398. I don't have any outstanding debt so I know that this was a scam.
| M's H N 2009-09-10 06:03:52 Unknown |
I am responding to your posting on 6 Sept.2009. This same fraudulent company has mailed me two times with threatening letters demanding high payments or They will take me to court. Please inform the USPS that these letters and threats are going all over the Eastern Coast as well as mid-west and central parts of the U.S. Today this woman Bethany called me three times and on the third call when she started to harrasse me I informed her of your contacts with the Attorney General's office in regards to fraudulent collections through the mail and that I was going to do the same thing if she kept harassing me or sent me any more letters demanding me to pay for magazines that were never ordered or recieved. When I said this to her she got very defensive and what she said was not very professional just like the calls and letters she has sent to others like myself. If I get any letters I will follow through with my Promise to have her reported here in Maryland where the letters were recieved. Take Heart America this type of crap will stop if everyone that has been violated by this company stands together and refuses to be threatened and bullied by Scam Artists. It's time our Country's Representatives know how we feel and that we deserve a better and safer way of life.
| Terry 2009-09-09 22:06:37 Unknown |
Catrina, I to have been hounded and threatened by NRS. I just got off the phone with that female named Bethany after she accused me again of purchasing magazines and not paying a cancellation fee of $189.00 by Aug 2009. On the phone in July she was scolding a child for messing up the floor where she was calling from and hollering in my ear while she was attempting a so called collections call. She is so rude and unprofessional and I like so many others who this so called company is trying to scam, have never bought magazines or heard of the company that the magizines were offered from. If I could still purchase literature to read it surely would not be done over the phone or sight unseen. I would go to a book store or to a publisher directly and purchase what I need to buy. She will never get any money from me and the card she claims I used has been closed since the summer of 2004. I am sorry others have been badgered but I feel better knowing That I am not the only one this company or this Bethany is threatening. I am retired from Debt Management and Financial Counseling and I have spoke to and dealt with every creditor and collections agency known to man. This one is definetly a SCAM. Thanks for the postings and DO NOT PAY ANYTHING TO THEM especially if you DID NOT ORDER THE ITEMS they said you did. I know that I'm not going to give this female ++^^** the satisfaction of harassing me or threatening me again on the phone or by mail. Also I will not pay a dime for anything she says I bought when I know that I did not deal with this P.M.Servicescat any time. The SCAM is OVER as far as I'm Concerned.
| MrsH 2009-09-05 23:27:29 Unknown |
UPDATE - UPDATE - UPDATE!
Posted my info here on August 12 about NRS Services. Filed complaints with the Attorney Generals in North Carolina (where letter originated) and Arizona (where it was received), as well as with the U.S. Postal Service.
Today, received a letter from the U.S. Postal Inspection Services office who are conduction a mail fraud investigation. MAYBE THE GOOD GUYS ARE GOING TO WIN THIS ONE!
Posted my info here on August 12 about NRS Services. Filed complaints with the Attorney Generals in North Carolina (where letter originated) and Arizona (where it was received), as well as with the U.S. Postal Service.
Today, received a letter from the U.S. Postal Inspection Services office who are conduction a mail fraud investigation. MAYBE THE GOOD GUYS ARE GOING TO WIN THIS ONE!
| LAMET 2009-09-02 14:33:18 Unknown |
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
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!
Dealing with Debt Collectors
http://www.budhibbs.com/start.html
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
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
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!
Dealing with Debt Collectors
http://www.budhibbs.com/start.html
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
| Catrina 2009-09-02 13:52:14 Unknown |
Recieved a letter from NRS. Was curious so I called the 704-464-6550 got an answering machine. Bethany returned call told me I owed a cancellation fee. I said that I don't think so. She told me to hold and she would get my file. I did not hold. She called back. This call was very unprofessional and she actually started screaming at me. I hung up. She called again and I just did not answer. She left a very interesting message. Also have found out that the address you send money to is a UPS Store where they rent a p.o. box. Don't Send them anything It is a SCam!
| "Debbie" 2009-08-31 18:02:22 Unknown |
I just got one and it seems her fee is going up mine is for $289.99 and mine is due by Sept 9th. Funny thing is I have not orderd any mags in over 11 years. So I have no clue where they got my info from. I will be filling with my state rep as well.
| Erin 2009-08-22 16:54:14 Unknown |
I received my letter July 24 with the same information saying I owed 189.99 by August 1. As I read other peoples' accounts, the details in the letter is exactly the same. I called and left a message 3 times and Bethany just called me back today, August 21! I asked a bunch of questions that Bethany had a hard time answering. She got very frustrated and told me that she was going to let my file pass through and I should pay my debt and then hung up on me. I am extremely frustrated and upset by these people. I want to know what I can do to stop this and get even. Any suggestions to me?
| MrsH 2009-08-12 15:42:49 Unknown |
Received my letter yesteday, but with a bit of a twist. It was addressed to my mother who had been dead almost 18 months. The letter was sent from "NRS-Services", 11056 Renaissance Drive, Suite #220, Davidson, NC 28036, Ph 704-464-6398 - collection managers - Bethany or Lewis. Called and left message and was called at 6:45 the following morning by "Daphne". Letter looked very unprofessional, threatening, etc. Did an internet search on P.M. Service Company (the company NRS stated they were representing) and NRS Services - no results on either company. Just for everyone's FYI - according to U.S. law (Fair Debt Collection Practices Act) - debt collectors cannot use false representation, use threatening language, use any fictious business name (like the company that they are supposedly representing), must provide a MINIMUM of 30 days for a response to the initial collection letter, etc. Your state would also have statues and laws governing debt collectors. I have already contacted USPS to report mail fraud, but will probably also contact the US attorney general, NC attorney general, and AZ attorney general. Let's get these people stopped!
| Jill in San Diego 2009-08-05 17:22:51 Unknown |
I got the same letter, thanks for the heads up...
| Mr.Mac,Beloit,Oh 2009-07-20 17:19:44 Unknown |
Just received the same letter.I had a feeling it was a scam.The letter was very vague and abustive.Have talked to the Postmaster,hope they can stop these people.
| chelle 2009-06-30 05:42:13 Unknown |
Well, it appears Julianne has struck again. Received a letter at my work address from NRS-Collection (the letter said that attempts to contact me had been unsuccessful--I have lived at the same address for nearly 40 years and have had the same telephone number for that same length of time). The address on the letter is 11056 Renaissance Drive, Davidson, NC 28036, telephone number 980-621-2746. The letter stated that I owed $289.99 (hand written in ink on the letter) as a "cancellation fee" on a contract I had with P.M. Service Company. If I didn't pay I would owe an additional fee of $300 "plus additional costs" and it would also "go to court at the end of June". I received the letter on the day that the money was due (it was sent 3 days prior to the due date which I have found out is her usual MO). Have never heard of this company and have never done business with a company by this name. The letter was very sloppily done, poor format and grammer, very unprofessional. No letterhead. Down at the bottom hand written in Magic Marker was ASAP (I guess meaning she wanted the money now). No professional company would do something like that. Needless to say, I did not pay the requested amount of money and have filed reports with our local police, Caberra County Sheriff's Department, the North Carolina Attorney General's Office and our State's Attorney General's Office and the US Postal Inspector (mail fraud has been committed). I have put fraud alerts on my accounts and also a block on my checking account for this company and also NCRS Debt Collect (another name she uses), as I understand she has been able to access people's accounts and withdraw money. I called the number listed on the letter June 23, got a message and left a voicemail. She returned the call this morning (June 29, which I missed). I could barely understand her message but was able to determine her name to be Julianne and that she was calling from "NRS". She spoke very rapidly and also did not leave a number where to contact her but on my caller ID the number listed was 704-706-8364. I returned her call and again was sent to voicemail. The message did not mention a companhy name. It sounded more like a personal phone and not a business. I have a reverse directory search in progress on the telephone number. I am oddly relieved to know that this is a scam but heartbroken that she has taken so many people.
| sue in michigan 2009-06-24 04:41:45 Unknown |
I received the same letter yesterday (6/22/2009) to send $289.99. Envelope is addressed to Fort Mill, SC but the letter has a return address and Davidson, NC. I called and finally got a hold of someone and was rude and told whoever answered the phone not to send me another letter and that they would not be getting a dime out of me. The man on the other end started yelling and screaming at me and said he will send me another letter, even though he didn't even know who I was. I also returned a copy of the letter stating I would not be paying them and that I have contacted the attorned general in NC sand SC. We will see what happens.
| Jodi 2009-06-16 17:47:59 Debt Collector |
The same thing happened to me but Julianne's number has changed to 347-492-2826 X210. The address is 1750 Highway 160 West Suite 101-197, Fort Mill, SC 29708 Phone 980-621-2746 on the top of the letter head, but a different number below. The envelope says NRS Payment Center, 11056 Renaissance Drive STE #220 Davidson, NC 280036.
| Carly 2009-06-16 17:35:27 Unknown |
I got the same letter yesterday. I knew it had to be a scam! So glad I looked this up.
| T.L. 2009-05-19 01:09:31 Debt Collector |
Same letter and Julianne is on the move. My letter cam from 1750 Highway 160 West, Suite 101-197 in Fort Mill, SC 29708. Phone 980-621-2746. Phone message from Julianne gave her number as 704-464-6550. Amazingly, the amount owed 189.99 is the same as are the details of the letter. I've reported it to USPS mail fraud and hope everyone does the same. Many elderly people are frightened by these sick scammers. The company was identified as NRS-Collection (NOT connected with the Texas company of the same name.) I hope this scammer ends up behind bars.
| Mike 2009-05-05 07:29:16 Unknown |
Mike again.
Just wanted to add, I've sent a complaint via: "https://postalinspectors.uspis.gov/forms/MailFraudComplaint.aspx", and urge everyone who believes this to be a scam, should do the same.
Also, here's other (additional) sites that also have had this same issue:
"http://www.sirage.net/index.php?option=com_co ... d=59:mail-fraud"
"http://www.ripoffreport.com/reports/0/438/RipOff0438653.htm"
"http://www.ripoffreport.com/reports/0/426/RipOff0426690.htm"
Just wanted to add, I've sent a complaint via: "https://postalinspectors.uspis.gov/forms/MailFraudComplaint.aspx", and urge everyone who believes this to be a scam, should do the same.
Also, here's other (additional) sites that also have had this same issue:
"http://www.sirage.net/index.php?option=com_co ... d=59:mail-fraud"
"http://www.ripoffreport.com/reports/0/438/RipOff0438653.htm"
"http://www.ripoffreport.com/reports/0/426/RipOff0426690.htm"
| Mike 2009-05-04 23:32:56 Debt Collector |
It seems Julianne (EXT 210) has a new "safe house".
Just received a similar letter, with the envelope's return address that of "349-L Copperfield Blvd NE, Suite 356, Concord, NC 28025".
The letter had the same outline as others; pay $189.99 or an additional fee of $300.00 may apply along with additional costs. Except there's a new number, 980-621-2746, and her company's name is now NRS-COLLECTION (Googling "NRS-Collection", I find http://www.nrs.us/, but besides having a similar name, there are no other similarities).
Letter header is:
NRS-COLLECTION
1750 HIGHWAY 160 WEST
SUITE 101-197
FORT MILL, SC 29708
PH-980-621-2746
P.S. There's a submission over at the Rip-off Report site that has the same scam (with the old number): http://www.ripoffreport.com/reports/0/443/RipOff0443771.htm
Just received a similar letter, with the envelope's return address that of "349-L Copperfield Blvd NE, Suite 356, Concord, NC 28025".
The letter had the same outline as others; pay $189.99 or an additional fee of $300.00 may apply along with additional costs. Except there's a new number, 980-621-2746, and her company's name is now NRS-COLLECTION (Googling "NRS-Collection", I find http://www.nrs.us/, but besides having a similar name, there are no other similarities).
Letter header is:
NRS-COLLECTION
1750 HIGHWAY 160 WEST
SUITE 101-197
FORT MILL, SC 29708
PH-980-621-2746
P.S. There's a submission over at the Rip-off Report site that has the same scam (with the old number): http://www.ripoffreport.com/reports/0/443/RipOff0443771.htm
| ert 2009-04-30 18:31:18 Debt Collector |
Same as all u folks, pay 289.99 or goes to court and I owe 300 extra in lawyers fees. I was falling for it since we did order and cancel a magazine subscription. But, she said she talked to the La Attorney General ( I am from La.), and he was great, he told her we were good folks who paid our bills (how would he know or care), and we should be given the chance to clear this debt without going to court. HAHA, she sent a "contract". It was unsigned, undated, and had lots of writing all over it and extra things typed over some of the print. Not professional at all. This happened weeks ago, and I just found this web site. I am so sorry people lost money to this witch.
| Kevin 2009-04-17 18:39:40 Unknown |
Just got the same letter as everyone else. Except, they said I owed $289.99 by April 15. I got the letter 2 days after. Sounded fishy and did what everyone else did and Googled it. Glad to find out its a scam.
| Patty 2009-04-17 04:08:16 Debt Collector |
I got the same lette today. It did not look professional so I googled it and found ALL this information. Thank you all for reporting this and helping all of us that got the same letter and phone calls. I am reporting this to the police and USP tomorrow morning as sugested by Kay from Antioch that wrote this: "To everyone out there that has received one of these bogus threatening collection letters. The phone number provided for NCRS is 704-464-6550...an internet search indicates that this is a landline located in Huntersville, NC which is 10 miles from Charlotte. I have obtained the phone number to the Huntersville, NC police department which I am calling in the morning, if you to would like to call the number is 704-875-6542. Maybe if enough people report these jerks to the local authorities where they are operating, then we can shut them down quickly before they do much damage. I also encourage you all to contact your local police departments as well as the US postal service as this is mail fraud."
| Elizabeth 2009-04-15 16:19:08 Debt Collector |
Unbelievable! I just got off the phone with this Jullianne character, thought it was odd that she did not answer the phone with the company name involved and the child screaming in the background was very odd. I am glad to find all of your comments and I will not be paying this NCRS fraud. Thank you so much for your comments and I have filed a complaint with the better business bureau of NC. We need to stop this from happening. $189.99 is a good of money these days!Lets keep up the fight and hopefully get the money returned to those who payed these awful people. Looks like Julianne has a lot of Karma coming her way, what a sick way of getting an income!
| Shauna 2009-04-15 14:23:45 Unknown |
Thank god for google! I got this letter yesterday, but it came to my Mothers house, which I thought was strange. Same phone number and amount owed, and same extension that I couldn't enter. I decided to google the number, and your stories popped up. Thank god for google, and for not owing anyone money! Thank you for helping spread the word about this scam.
| Dale 2009-04-09 21:59:22 Unknown |
I received this same letter. I called, but just got an answering machine. It says I owe the same amount. the letter is signed by the collection manager/ Julianne ext 210. I could not put in the ext. It went straight to voice mail. I'm gald I looked this up. I will not be paying this bill.
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