The fact that the FTC, Homeland Security or ANYONE in our gov cannot stop these calls is a joke on the American people that TERRORISTS have permission to stalk and haunt people on their private phones. I wish they'd target our elected officials and call them 100 x a day so they would finally get off their arz and DO SOMETHING.

713-991-713

Called my out standing debt from originator and.they provided a.diffrent number not the one they contacted me at.... Suspect... I call them inside business hours and no one picks up...

This number calls me all the time and leaves a message for me to call them but does not tell me who they are with. I am not calling someone back if I don't know where they are calling from or what they are calling for.

Apparently a bill collector.  They are calling my relatives' phone numbers, saying that they have an urgent need to reach me.

LTD Financial Services, LP
7322 Southwest Freeway Suite 1600
Houston, TX 77074
Collecttion Agents

The same happens to me. They are debt collectors and for the last 5 and a half months have been calling my home. This morning thet called 3 times in 8 min then would hang up on me. The last time I picked up the phone yelling abnd the lady said that she would remove me from the list. I then asked to speek to the boss and not just some person sitting next to her and she hung up on me! I googled the place and found their number. I told the woman that if I diddent get the manager that I was calling the Houston Texas Police. That's where these f***ers are calling from! The mannager assured me just like the callers have that I have been removed from the "List" but we will see. If not I'm going to sue them. So if you don't mind please e-mail me your pg version of their harrasment to help build me case against them. mmcars@live

This Agency continues to call a phone # that does not belong to me.  I have made a payment 12/5/07 shortly after the 1st call.  I supplied them with a mailing address and requested a statement, to no avail.  It has been almost a month and the check has not been cashed but the annoying phone calls continue.  They are calling a business phone and the home phone # of a private citizen that is not in debt to them or anyone they represent.  The owner has answered several times and when she calls me to the phone the caller hangs up

This number continues to call my cell phone and I've told them repeatedly this number doesn't belong to the person they ask for.  They say they've removed my number from their database but continue to call.  When I answer my phone, they hang up; when I call back to complain, they send me to a voice mail service.

The same happens to me. They are debt collectors and for the last 5 and a half months have been calling my home. This morning thet called 3 times in 8 min then would hang up on me. The last time I picked up the phone yelling abnd the lady said that she would remove me from the list. I then asked to speek to the boss and not just some person sitting next to her and she hung up on me! I googled the place and found their number. I told the woman that if I diddent get the manager that I was calling the Houston Texas Police. That's where these f***ers are calling from! The mannager assured me just like the callers have that I have been removed from the "List" but we will see. If not I'm going to sue them. So if you don't mind please e-mail me your pg version of their harrasment to help build me case against them. mmcars@live

Dolores Santa Cruz, the smartest thing for you to do, is to remove your phone# from your posting.  NEVER EVER give that out.  The 2nd thing is, stop answering the phone when they call.

They keep calling me like 3 times a day. They keep asking for some Julio guy i dont know who the #%^& he is but i guess he had teh same phone number. I told them that i dont know who the guy was and prolly had teh wrong number taht i just got this number via a pre paid phone but yet they keep calling me and not leaving any messages, im getting really tired since everytime tehy call im out 10 cents.

When people called my house for my brother,but my brother don't live in my house. They need to stop calling.

Iyou are that stupid to pay for someones collection bill
Have at it!!

i got a call from this number and the lady said she wasn't medicare. i don't even have this service.

Unwanted message.

I have a little fun with these guys!
Being a huge football fan, and from Philly, when ever they call my cell phone it says "Texas" and the phone number.
I pick it up and yell "COWBOYS SUCK" and hang up.

This number came up on my phone and I am assuming it was for Selena Shuman who no longer lives in my home. please do not call here again.

Once upon a time I had Household Finance driving me crazy of calls to a wrong number.  I wrote down date, time, number, and who called.  After a few weeks I had 52 calls.  I wrote them a demand letter quoting the Federal Law law against this practice.  I also demand the maximum amount of the limit of small claims court.  That did it -- I got a $500 settlement amount.  I got my first call today from this company and I will be collecting if they don't stop.

This company called my number 4 times in less than 10 minutes, and I am not the debtor!!!!!

These people whoever they are they keep calling and calling I don't know who are they looking for since I am a widow and with bad health and don't have any assets or owe anything to anybody . So please, make them stop . Thnaks

These people who ever they are they keep calling my number and I don't know who they are . I am an 82 years old woman living by myself , retire , sick and I don't know what they want. I don't owe any credit cards don't have any debts of any kind so . please, tell them to stop.

Has anyone actually been sued by this company for a debit they owe? ot do they just keep getting calls a million times a day? Thank you

The same happens to me. They are debt collectors and for the last 5 and a half months have been calling my home. This morning thet called 3 times in 8 min then would hang up on me. The last time I picked up the phone yelling abnd the lady said that she would remove me from the list. I then asked to speek to the boss and not just some person sitting next to her and she hung up on me! I googled the place and found their number. I told the woman that if I diddent get the manager that I was calling the Houston Texas Police. That's where these f****rs are calling from! The mannager assured me just like the callers have that I have been removed from the "List" but we will see. If not I'm going to sue them. So if you don't mind please e-mail me your pg version of their harrasment to help build me case against them. mmcars@live

They called me 5 times in a 10 min span at 8:30 in the morning and never left a message. Next time they call I will answer and see what they want and hopefully things will get heated.

THESE NICE PEOPLE ARE ALWAYS CALLING TO SEE HOW I'M DOING, ASKING ME IF I HAVE FOUND A JOB YET, HOW I'M DOING FOR MONEY.  I THANK THEM FOR THEIR CONCERN, ITS NICE THAT SOMEBODY CARES AND KEEPS CHECKING ON ME. ;)

It is illegal under Federal law to use techniques that give consumers a false name and number.

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



LTD Financial Services, L.P.
7322 Southwest Freeway #1200
Houston, Texas 77074

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

Bud Says                         Consumer Comments Below

This is yet another sleazy operation, infected with low-lives and the garbage of the debt collection industry.

Frustratingly dumb debt collectors make you wonder what middle school they flunked out of. LTD collects for themselves and other scavenger, bottom-feeding agencies. This place is a horror story of dumb and dumber.

LTD receives it's share of lawsuits because they allow their idiot debt-collectors to abuse consumers with lies, threats, intimidation and harassment. They are a typical example of 'Legalized Extortion'


They do have an attorney, Richard D. Parker and he would enjoy hearing about the latest screw up his crew of dumb a***s have pulled, so please call and let him know. Richard is awaiting your calls at: (713) 774-1694.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.  

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY

Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm

From FEDERAL TRADE COMMISSION WEBSITE ? FAIR DEBT COLLECTION PRACTICES ACT
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.


How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.


What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren?t; or
indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:

you will be arrested if you don?t pay your debt;
they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn?t; or
use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans? Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members? Pay
Military Annuities and Survivors? Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen?s and Harbor Workers? Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.

They called at 8:30 am on a Sunday looking for someone named Margaretta. I didn't answer the first call, so they called again without leaving a message the first time.

Call continually all through the week...on Sundays they call but don't leave messages.  They are calling for a relative but have decided to contact me as a way to contact that relative.  I have never picked up a call. My relative owes no debt.  I hope they are shut down for being the scammers they are.

I just nailed these people and wanted to let everyone who is sick to death of them know they're getting a taste of their own medicine.  Called on a Sunday, big no no in my state, then they got my daughter on the line and told her they would send us to jail, yet another big no no.  We had a warning about them on the radio as this harassment is illegal. The report said if anyone received this type of call to report it to the police.   They've been reported to the police and I quite conviently taped the phone call.  Too bad LTD, perhaps you should hire some smarter people, perhaps morons, to do your dirty work and then you won't have the sheriff getting in touch with the local police there in your home town.  Let's face it they hire these poor people that can't get jobs anywhere else like McDonalds and therefore they are stuck making these calls.  Makes you wonder what the turnover is in a scam artist business like this.  A bit of advice, don't pay these people any money, they purchase old debt and then threaten you with a bunch of nonsense.  They can't do a thing to you.  So enjoy the times they call, pretending you don't speak any english is my favorite thing to do to them. Don't call them debt collectors because that's not what they are, they are a bogus company harrassing innocent people. Let's put them out of business

www.ftc.gov/os/caselist/0523012/071105ltdfinancialconsent.pdf