BANK OF AMERICA CALLING ABOUT NON SENSE

This is really what these forums are for, sharing the puzzle pieces we have. To be fair, the debt industry is full of alphabet soup-like business names, where acronyms frequently clash. Many collectors have footprints in multiple states or boast of an "attorney network" to make it simpler to sue away from the home state. Names are changed like socks as the worst firms try to sidestep the inevitable piles of complaints and lawsuits.

Subsequent reports here indicate that my first instinct was correct, that whatever "process server" purports to be on the prowl is really part of a deceptive and extortionist collections practice, therefore illegal. I would agree that it's critical to get names and locations totally straight when building a FDCPA case.

Did anyone find out if they are really who they say the are for sure? I cant find ANYTHING on the company or the company they say they are helping. They want me to sign some paper to allow them to take money and I refuse to.

this company called my work at told my employer that they needed to get a hold of me for a case and that I needed to call, they stated that they were from Stein and Associates. When my boss said that she shouldn't be the one to get this information they informed her that they just needed to make sure I got it. After reading the other post regarding this number I will not be calling them back and if they call my employer again I will have her suggest they don't call again.

Keep calling looking to serve papers to a Jennifer King??? Keep telling them no idea who this person is.. take me off call list. Women had a nerve to tell me I was full-of-s***....

I'm not ignoring them! First of all they claim to own my debt, and so does another company they actually proved it, they haunt proved anything but words. Second the statue of limitation expired on the debt and my lawyer informed me they can take me to court all they want but can't collect if it has expired! These people have been nothing but shady. If they prove they own it and it wasn't expired I would pay them, but since the credit card opened in 06 and nothing gas been done on the account since then, they can't fo anything!!!

Why do you all post this stuff.These are same people that sued me over a repo in 2009 and now i got a call almost 2 years later over a credit card i had with Bank of America.They didn't get anything from me on the Auto loan until they sold my truck at auction then i owed the difference they claimed they only got $6500.00 for it and my note still had $23,000 left.So I ended up owing almost $18,000 because of the lawyers as well.I will pay them out this time before court.they agreed to 172.12 a month for 15 months because I do not have a job.And i pointed out when I do go back to work my wage's will be garnished and they would have to wait in line anyway.I make more on unemployment now staying home then I will make when i go back to work because of the wage garnishment and my back child support.Legal aide told me there is nothing I can do and they advised me to "take a vacation" as along as I still get checks because it will be a long time before I see a full check again.Anyhow my point is there are some ways around things and I know it is not the most stand up thing to do but these guys can get you if they got me and unless you want to end up like me in round 1 just call them up or get a a paralegal to call them(it cost me $80) and set up small payments.Bad advice is to ignore a suit.

They harass you into calling them by saying they filed, or have papers to serve you, when all there doing us really trying to get some money. They didn't even own my account and wanted me to pay 1400 for a debt that was 6 years old. They said they sent someone out to serve me, which was funny because they had my address from 6 years ago, but she said she was looking at a current report. Well if they had current info she would know I moved 3 times since then!  Just  look through your credit report, and research what's on there, that's the best thing. There major scammers!!!!! If anyone has actually been sued by them please give the court info, because IRS public records anyways! But I really doubt anyone has!

Hi, This is crazy because my aunt got a message from someone for me, the original caller didn't mention their name but said to call Bill Richards at 714 586 9292 because I was to appear in court. I never received a subpoena and as I am home all day everyday due to lack of work and attending online classes. I remember having something like this done to me before and which some woman said I had to make arrangements in order not to go to court. I was never able to keep the arrangements due to lack of money and I found out that they might not have had my account in the first place because I called the last collection agency who owned it. The only credit I've had recently is some phone bills from AT&T and they are about 1 yr old now. I think I will wait for the subpoena and then find out the truth. Thanks everyone for the input. If you have anything to add to my situation please let me know. Thanks!

Thanks but I am in California and it is also 4 years.I had it looked into today and my last payment was in April 2008.I still think if I call back Monday and get a different person on the phone I may be able to make an offer but If i get any other information I will post it up asap.

If it's an old debt the SOL ( statue if limitation) might have expired. In my state that's 4 years after the last payment. In that case they can take you to court, but it will be thrown out. After the experation date it's considered old debt and nothing they can do to you.

I called the attorney and found out I am being sued for an older credit card debt.After i read previous posts obviously i did my own research. I got the credit card information it was in regards too and then I went to original creditor (800 518 6141) But they no longer had this they claimed they sold and
gave me (215 441 3000 )and the cycle continued and 5 companies later I got the agency who owned my debt(949 223 1148) and then they gave me the law offices number(714 586 9292)and said I was being sued.I left a message yesterday telling them I validated their people owned my debt and that now i would like to pay it and they did not return the call >Which is ok, but today I called again and i was rushed off the phone and told i wouldn't be able to settle this I in fact NOW had to go through court system.I explained that I felt that i was being punished for actually doing my own research and not just listening to their words as gospel to which I was told it really did not matter to him anyway because it is less work for him to sue me rather than settle it out prior to because he doesn't handle THAT. therefore he was not going to take my payment offer because he did not "HAVE TO "

They same thing happened to me! Mine too was from 06 and I calked the credit card company and worked my way down, that's how I found out they didn't own it. They tried to tell me the other companyis not being truthful! But after hearing your story I do believe they are doing this to multiple people. My SOL also expired, and they tried to tell me they show payments made when I have a sheet that the credit card faxed over stating when I made payments and it no where near matched up to there stuff! I just hope they try to sue me!!!

I did the same same thing.  The person I spoke with at Stein and Associates told me that he would check to make sure they had the affidavit of ownership.  I then told him that I was currently pursuing my Bachelor's degree in Legal Studies and that I understood what an affidavit was and that if he had then to please email  or mail it to me so that I could verify what he was saying.  He then told me that if I didn't hear back from him by a certain time that I should go ahead and pay the company that I said was in ownership of my account.  That to me says it all!!!!

I received a call from this number today saying that they were calling to collect on a credit card debt from 2006.  They said at first that they were trying to serve us with a wage garnishment from the judgement, then later in the conversation said that there was not a judgement.  I don't always believe the things that I hear especially when they come out of the blue, so I decided to do some digging.  I started with the credit card company themselves and worked my way back to who has the account for collections now.  When I spoke with the company who does actually own it, they told me that this company was in no way shape or form able to collect on this because it was not their account.  I have also found out that the statue of limitations has run out in my state to be able to sue me in court for the amount owed, but it will stay on my credit report.  Before you start handing out the money, I would advise you to start at the beginning and work your way back to find out who is legally able to collect on your debt.

I called there client and just get an answering machine and no returned calls. No where in my report is record of them having my debt. But the other company has been nothing but nice to me and proving they own it plus there the ones listed on my report ! I'm not saying there not a law firm, but they didn't want to give me any proof to help me convince me they own it or there client owns it. Plus they miss represented themselves by saying they were from RPS when that's not who called. They called and said that just to scare me into calling back. I'm just saying people do there research before just paying to make sure, it almost cost me alot if money.

they ARE a law office and their client paid them to go after you.Call and ask them who their client is and you can compare notes and see if that is who you found out owns the debt.I know who they are and what they do because i worked with them last year.So your not altogether correct.Your assumption may cost you a lot more.But it could be otherwise i don't have enough details.

This company is a major joke and if I can stop other people from trusting them I will. They called me pretending to be from RPS. There NOT!!! The company is Stein and Associates. And they claimed they have a debt of mine that the balance was 300 but now 1400 because if fees. They said if I settled with them they would take off 200. Well before I agree to pay anything, I called the credit card company and asked who they charged it off to, and after 2 companies later I find out that Stein and Assiciates don't even own my account another company does. And it's the company that's listed on my credit report not this so called attorney. Well when I called them back to see why they claim to own it, they told me the other company is lying. I asked  for them to send me original documentation on the credit card and they wouldn't but the other company had no problems and faxed one right over! These people are such scammers!!!!!! BEWARE! Do your research on them and your debt! It almost cost me 1400 if I had trusted them!!!

Oh yea I'm the dummy that figured out that the SOL ( statue of limitation) expired and they can't sue me for crap now!!it's a 6 year old debt that expired 4 years ago! Called the credit card company and they said they can't sue now and faxed me over proof of experation!!! So not really a dummy!!

You put bogus intel up
I called RPS and they are in Florida.The law office I contacted next was in California.
Rps is not who called me although they have same initials I was told it stands for Reliable Process serving and I got a number for them in Texas as well as a few other locations in different states???
By Mail
RPS Worldwide
3700 34th Street Suite 130
Orlando, Florida 32805
1-877-285-9929    
The above company is NO WAY connected they are a collection agency and when I called them they had no idea what I was talking about so your post references companies unrelated to each other .
The people I got called from are RPS a process servicing agency and they in turn gave me the contact info for the Plaintiff in my case which is 714 586 9292.
Just wanted to share what I was able to track down so nobody has any issues listening to unreliable posts and ends up with a bunch of legal fees or whatever they do at this point.I am still waiting for a call back from my friend who works as a debt counselor to advise me on my best next move.

dummy

Although your post was informative
I cannot find anything connecting that company name you included with the law firm I contacted and I have their FEIN number as well as Attorney Bar information.I looked into this on Friday and then today followed through.I may be in a unique situation as I was served but the woman was inept.My father and I share the same name but not the same spending habits/I am not in debt and I was not supposed to be sued.I made a dozen phone calls and I got this resolved with a death certificate and my social security card and a fraud alert I placed with the agencies over 2 years ago.My father is deceased and I now am stuck trying to pay all of his creditors through this small estate.I will tell you before I presented all of my correct private information i was going to make sure these guys were not going to turn around and use it for anything else.It did take 4 hours of my time and $70.00 for 2 notaries but I am now in the clear.Do your homework it pays off.

It's a scam!!! They weren't looking to serve me papers, I called and she said since I didn't get served then this one time she would help me out and I could pay her monthly for a credit card I had 6 years ago. She said since the process server messed up( that was funny to hear) she would do this for me one time. So these people make it should like they are going to serve you so you will get scared and call and then they try to collect money. this was a credit card that my ex husband opened up in my name and when we divorced I got stuck with it. Well I call them and arrange something, I'm not working with shady people that lue on the phone to scare you into calling!!!!

Let's try this name for size: RPS Worldwide,  f/k/a Receivable Protection Services

This is not a process server, it's a debt collector, one among many with a horrid rep for hostile tactics. If this is your RPS I'm having a hard time believing your spouse was served. I'm not saying someone's a liar but maybe misreading the event. Process servers, I was taught, do not make appointments or fire warning shots. They just show up and collect a signature.

Now I did once have an argument in some other collections thread with some server who purported to call ahead as standard procedure. The reason he gave was that this tended to prod people into settlement. My own feeling is that, if the story was true, it's part of the extortionist business model of a bad collector, the goal as always being to coerce payments and go unchallenged. Making threats of litigation or arrest is a serious FDCPA violation, usually indicating the aggressor has no proof of claim.

Supposing I'm wrong and your poor wife was served properly, your legal relative is correct. A summons is just the kickoff, not the end of the game, unless you ignore it like 97.x% of the fearful populace. You have to answer timely and indicate that you have an actual dispute requiring discovery, thus to avoid summary judgment. From here and without details, specific advice is impossible.

I don't know what mess this is about, but if you don't trust your chances in (often corporate-friendly) court, look for an arbitration clause in the creditor's contract. This is the stealth bomber option which can eject your case to a more friendly forum where your plaintiff's attorney can't pull the usual tricks, and the opposition has to pay dearly just to get near you. This strategy is well documented on the DebtorBoards forum.

Obviously if I got all my above hunches wrong, you'll have to forgive me for trying. Here are the federal rules for collectors, useful in any debt case:
http://www.ftc.gov/os/statutes/fdcpajump.shtm

yes!see my reply to mt previous post

ok, so i guess they did serve her the summons.And our relative who is an attorney emailed us back today so i though i would share...
"You must formally respond to the summons and complaint by filing an answer or motion. Note that the failure to timely file a formal response with the Court, usually within 30 days after service of the summons, may result in a default being entered against you. At that point, in the absence of the Court vacating the entry of default on good cause shown or stipulation with the plaintiff, you will no longer have the ability to contest the merits of the lawsuit and the plaintiff will be in a position to prove-up damages for a default judgment."
so just because you get served doesn't mean it is final we can still try and work something out ,outside of court.

Has anyone gotten papers from them or called them back?

Called my wife and my works, telling them we needed to call in the next two hours to avoid failure to appear. It was my understanding that if we were being sued that we would have to be delivered a summons, We don't think that they are able to give our work any information regarding any type of suit...That is private information.

called looking for my son who doesnt  live with me, and im on the dont call list. not sure how they got my number,  they finally got to speak with my son and told him they had tried to serve papers and no one was home and then told him they would not go away and would find him.

Unknown call from a lady named Jennifer with a company claiming to be RPS a small private processing firm. Told to call Jerrid Dixson at 714-586-9292.