Proof of Claim.
Ask them to prove you own the debt and that they have a legal right to collect it.
Bone up on the FDCPA and use the law to your advantange.
If you send them a debt validation letter, they have to cease all collection activities until they can either validate the debt (not verify it, that has to be 5 days after first contact) or inform you that the debt cannot be validated.  If the debt cannot be validated according the guidelines set out in the FDCPA then they're screwed and you can walk away.

I even told them i couldn't make big payments due to me not making enough money but i spoke to 2 different men they both gave me 2 different quotes the second guy said because the first guy made a mistake. WTF . I want to make the rite choice but i want to make sure im paying the right people back and i want tobget it over and done with it. NEVER TAKE OUT A ONLINE LOAN.. SCAMS

So i took out a loan online I didn't think it was really going to work so when I went into an actual loan store took out a loan I noticed I had $500 in my account This is after the fact that i had all ready got a loan feom the store, which by the way i paid that loan back with NO problems come to find out one of the online loans that I sold out went through unfortunately I had no clue which loan place it was a whole 2years later i got a call from my mom saying there are people looking for me. So i called to and spoke to a guy he told me i was going to be sued if i didnt pay $500 up front And two other option was make a payment plan for 4 month payment or get sued for $3000. I would have been paid this dumb loan have i known who i needed to pay back. It sucks cuz now im in defualt at my old bank. Now i cant get a bank account. WHAT TO DO NOW??

Maybe if people would check their facts then they would not be calling people who do not owe money.  There are a lot of different scams and it certainly sounds like you know your way around harassing people.  Yes, it is illegal to contact friends, family and job and share any such thing with them.  Harassment is wrong regardless if money is owed or not and to make up numbers and accusations can be treated as slander.  Calling at odd times of the day to late or to early is another thing they cannot do but try to do. Personally I take care of my bills via mail or online and my creditors know my email address so if they need to contact me they can. These are people who look for ways of making money or worse try and get you to take on responsibilities from years ago such as being married and going thru a divorce and 7 years later they want to try and harass. Doesn't work that way and it will go away when people are held accountable for illegal and inappropriate business practices.  I wouldn't sue to get out of paying something off but I will sue for telling other people my business and it can be done and is done. Look at Cash Call having to pay back millions of dollars for similar issues.  Look out debt collector your not immune from the law.

Driver's license revoked in your county __________-

That comment should tell you something about  the caller.
They don't know how driver's license are issued or revoked.
It is not on the county level it is the state level.
That alone tells me they are calling you from another country.
Scammers.

I noticed another posting on here about someone claiming to be from First Source telling people to e-mail them
asking if it's ok for them to e-mail people.--- DO NOT EVER GIVE THEM YOUR E-MAIL ADDRESS.
DO NOT EVER GIVE THEM ANY ADDRESS OR OTHER INFORMATION WHAT SO EVER !!!!

They will use it against you  !!!

They are currently in the process of changing their tactics; they are building a e-mail database to harass people that way.
They will use your e-mail address to cross reference businesses and individuals you contact using your e-mail address.

NEVER give them your e-mail. Never give it to any collection agency.

YOU WILL BE SORRY  !!!!!!!!!!!!!!!!!!

I have read posts where these scam collection agencies insist people to pay them by -- check by phone, credit card,
or debit from your bank account.

The  UNITED STATES FEDERAL TRADE COMMISSION POSTS THAT CITIZENS SHOULD NEVER GIVE ANY COLLECTION AGENCY ACCESS TO YOUR BANK ACCOUNT. ELECTRONIC OR OTHERWISE.

IF YOU DO PAY, AND THAT IS AFTER YOU HAVE VERIFIED THE DEBT__ WHICH IS YOU TOLD THE COLLECTION AGENCY TO VERIFY THE DEBT WHICH IS REQUIRED BY U.S. LAW, IF YOU DEMAND VERIFICATION.
VERIFICATION BY  U.S. MAIL ONLY ! NOT E-MAIL AND DEFINITELY NOT OVER THE PHONE.
WRITTEN VERIFICATION BY U.S. MAIL ONLY.

ALSO, CHECK YOURSELF  THAT THE DEBT IS NOT PAST THE STATUTE OF LIMITATIONS , TIME BARRED.
WHICH IS THE TIME HAS PASSED IN YOUR STATE THAT ALLOWS THEM TO SUE YOU LEGALLY IN COURT TO COLLECT IT USING THE COURTS.  DONT MEAN YOU DONT OWE THE DEBT IF IT IS PAST THE STATUTE LIMITATIONS IT JUST MEANS THAT THEY CAN'T COLLECT IT USING THE COURT OR LAW. THEY CAN ONLY ASK
YOU FOR IT. ONCE YOU EVER DETERMINE A DEBT IS PAST THE STATUTE OF LIMITATIONS IN YOUR STATE,
YOU SHOULD ASK AN ATTORNEY BEFORE EVER CONSIDERING PAYING IT.
ONCE YOU PAY ONE CENT ON SUCH A DEBT OR YOU AGREE TO PAY ON SUCH DEBT ORALLY OR IN WRITING
YOU RESET THE STATUTE OF LIMITATIONS BACK TO DAY ONE AND OWE IT LEGALLY AGAIN.
THEY WILL TRY EVERY TRICK IN THE BOOK TO TRY TO SCAM YOU INTO PAYING A TIME BARRED , PAST STATUTE LIMITATIONS DEBT. THEY OFFER A CRAZY LOW AMOUNT TO SO CALLED SETTLE THE DEBT.
THEN AFTER YOU PAY AND THINKING YOU HAVE SETTLED THE DEBT IN FULL / SETTLEMENT.
THEY SELL YOUR /THAT DEBT TO ANOTHER SCAM COLLECTION AGENCY, CROOKED DEBT BUYER WHO THEN CAN SUE YOU IN A COURT OF LAW FOR THE DEBT YOU THOUGHT YOU SETTLED.
AT SUCH POINT THEY CAN AS WHEN YOU PAID THAT SMALL AMOUNT THAT YOU THOUGHT WAS A REAL GOOD DEAL TO SETTLE IT , SO CALLED PAY IT OFF-- YOU RESET THE STATUTE OF LIMITATIONS.
THEY THEN SUE YOU AFTER TACKING ON ALL SORTS FEE'S, INTEREST, ETC.

IN THE END, SHOULD YOU DECIDE TO EVER PAY A COLLECTION AGENCY____

DO NOT PAY USING YOUR OWN BANK ACCOUNTS.

ALWAYS, I SAY ALWAYS ,  PAY USING A " UNITED STATES POSTAL MONEY ORDER."

GOOD LUCK

THESE A-HOLES JUST DONT GET IT.....disclosing personal info to a 3rd party is against the law..... if you are a legit company then go through the right paths to collect the debt... start off with a validation notice in THE MAIL!!! not a phone call threatening court and serving papers on the first voicemail or contact

Received a phone message at home saying a complaint attached to the last 4 of my social security number needs to be taken care of or my drivers license will be revoked in my county and referred to court. "This is your final notice."  I have no idea what they are referring to.

They're thieving, low life punjabis, preying on the civilized world.

Here's who they are.

Rajesh Subramaniam Managing - Director and CEO
Sanjay Venkataraman - President- Customer Management
Dinesh Jain - Chief Financial Officer (CFO)
Venkat Raman - EVP ? Healthcare Payor and Publishing
Shalabh Jain - EVP Customer Management - Domestic Business
Arjun Mitra - EVP ? Collections
Satish M - EVP ? Human Resources
Gayatri Anandh - EVP ? Technology
Arun Tyagi - SVP ? Chief Compliance Officer


Corporate Offices
     
Firstsource Solutions Ltd
    
India
Registered Office
5th Floor Paradigm ?B? wing, Mindspace,
Link Road, Malad (West),
Mumbai (Bombay), India 400 064
Tel.: +91 (22) 6666 0888
Fax: +91 (22) 6666 0887

http://www.firstsource.com/about_us_senior_executives.html

I doubt very seriously that you are an American Citizen.  MY guess is that you are one of the Indian scammers trying to defend that Indian dream of skinning as many Americans as possible.

The next time I get a call  from Steve or Crystal at Microsoft in Mumbai,  wanting control of my computer to fix the issues,   I will think of you and your post.

Amen Brother!!!

Racist?  Who  give a crap what you think about who is racist.  I don't like the damn thieving Indian scammers either,  neither does most others on this board,   and calling someone racist over the issue is pure pissing in the wind.   If their dream is to suck  the money from as many innocent people as their boiler room call centers can allow then I hope the B*****ds choke on a Beef steak.  You call someone else racist and yet you make outlandish remarks about others that you have no conceivable idea of who they are or what you are talking about.....just insulting people because you don't like their comment.   Big Deal!!!
I personally agree with the previous poster that you are attacking and calling me a racist doesn't mean a thing to me.  You need to find another political correct weapon that is not over used.  You ignorant son of a bi***.

Actually Sir,  The only loser is you. And your racist!! Leave the people from India out of this. At least they come here with a dream to make it, you suck the life out of everything you can get your hands on because you feel entitled!! Get off the computer and stop robbing the good ole USA. People like you disgust me...... You probably don't have a mortgage, its call Belmont, They pay your rent while you sit on your a$$ and collect food stamps ... WE the  tax payers pay your bills and pay for your scams with high intrest rates. Now pick up your Obama Phone loser and pay your damn bill!!!

Why would he "answer the phone like a man . . . " when they are violating the law? Perhaps you deal kindly with criminals, I don't advise it. Perhaps you are an honest collector, obviously these people are not. I do not respect people who have no respect for law.

These are scumbag, dothead India losers. These A$$WIPES are the cockroaches of the world. They always chase everyone's crumbs.

Here I am on social security and pension. Have a reverse mortgage on my home. Now, what do these useless A$$WIPE punjabis think they're gonna get from me???

I'll help wit that answer, dumb punjabi's ... N_O_T_H_I_N_G!!!

You're so phukin' ignorant and illiterate you don't even know the difference between "your" and "you're".

Moron!

You're*

These people are a joke. I never answer, and they leave a voicemail. The automated message is very generic, and makes it sound like it is some type of criminal case. I was scammed out of $400 this way before, because of their scare tactics(which is against the law). Don't let them full you.

I am disgusted , repulsed , by you and  people like you , your "experiment" was nothing more then stealing and I am sure you would from your own mothers purse if given the opportunity , pretty positive your other experiment is in your back pocket in the form of an "EBT"  CARD , get off the couch , and please don't have kids

As a debt collector you are not allowed to pull credit reports without express permission of the person of subject. You are not allowed to call place of employment and further more if you are told to stop calling and put it in writing you have to stop calling........Man the scum of the earth really try and scare people........debt collectors should grow up and get a real job

A chance to do the right thing? Didn't ticked off state he/she didn't have a job? No job = no ability to pay the debt. I have called creditors myself in the past when I knew I wouldn't have a job or a way to pay back the debt to see what can be done and there is NO flexibility from the companies to "defer" anything even while on unemployment, all I ever met with was resistance and threats. This is why people avoid debt collectors, even when trying to make good to creditors they won't close the account or stop reporting late or no payments or put a hold on interest temporarily. :/

Well you represented your industry well. Nothing matters but getting paid for an account you might have paid 10 cents on the dollar for. Deception, threats, unlawful actions are how to get the money.

You also showed that you don't pay attention. You wanted this person to "answer the phone like a man". You were addressing an WOMAN you DA.

That is one example of several stupid comments you made. Go back to your computer reports and the phone. And while you are playing on the computer I would suggest you look up Laws for the Debt Collector. You would see that most if not all states by now have serious penalties for the crap you people like to pull. Just remember you are not any part of any Government Agency. You can not do 90% of the crap you state and could be sued or in some cases arrested for the threats you make.

You do not have to pay this debt.  It has been written off by the original debtor.  Firstsource Advantage bought the debt and are trying to make a buck.  They will even attempt to "settle" for a lower amount.  If I owed you $20 would you take $5 from me instead because you are so intent on just settling the debt?  Best thing to do is to tell them to no longer contact you via phone.  Then send them a certified letter stating this and they can only contact you via the USPS.

these a***oles are extremely rude I want it stop Immediately and even they responded to me calling back I'd tell em cram their money scamming ideas up their blackmailing a***s...

You are one ignorant imbecile and are certainly representative of low IQ bill collectors.

You are unable to use proper grammar and apparently do not know the meanings of many simple words.

It's "a lot" and alot.

JUST FILE A COMPLAINT TO HELP F.T.C., INVESTIGATE THIS UNSCRUPULOUS (SCUM OF THE
EARTH) COLLECTORS, AS HARASSMENT BY REPEATED TELEPHONE CALLS IS BREAKING
FEDERAL LAWS, GO TO THE WEBSITE:  www.ftc.gov  OR CALL   1-877-382-4357.  DO NOT LET
THIS SCUM INTIMIDATE YOU.

Your company is very rude.

I received a call from this number too!  They were so rude and would not share any information with me regarding why they were calling!

STOP MAKING THESE FALSE ACCUSATIONS THAT WE OWE YOU MONEY. SO STOP HARASSING US WITH THESE CALLS. STOP STOP STOP