The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

?is seeking payment on a debt for a loan you do not recognize;
?refuses to give you a mailing address or phone number;
?asks you for personal financial or sensitive information; or
?exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:

?Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.?Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
?Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
?Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
?Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

They keep calling and harassing regarding a debt collections and they are calling all the other individuals that are not related to me. Jim Scott, Zimmerman Young and Assoc. is very unprofessional. I called then today and spoke with Ms. Thomas and she states that she is mailing me an affidavit! I told her this is a scam and reported them to the Attorney General?s Office and BBB? They also stated a courier came by on March 24th, April 10th & 18th to deliver documents but nothing has surface. They are just a low life and trying to scam people!!!!!

File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
http://www.stopfraud.gov/report.html
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/

Also read up on the laws and your rights:

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:

http://800notes.com/forum/ta-944ec1426a8bcbb/ ... service-attacks
************
http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
*****************
http://www.net-security.org/article.php?id=1828
***************
http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
******************
http://www.fdcpa.me/fake-process-server-injunction/
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http://800notes.com/forum/ta-9413b3202bc8b6c/ ... net%27s-tactics

http://www.bbb.org/upstate-new-york/Business- ... lo-ny-235969408

This Business is not BBB accredited
Zimmerman Young & Associates

Phone: (866) 410-8063
View Additional Phone Numbers

   (877) 805-6049(Phone)
   (716) 875-2952 (Fax)

2211 Sheridan Drive Suite A, Buffalo, NY 14223
BBB® F Rating

Related to:
http://800notes.com/Phone.aspx/1-866-410-8063
http://www.whycall.me/716-335-9051.html
http://www.callercenter.com/866-410-8063.html


https://www.consumer.ftc.gov/blog/phantom-debts-and-fake-collection-notices

Does it make you feel better to make a jab at person who might owe a payday loan?  I thought if was about phone scammers, these people take it a bit far.  Anyone that has taken a loan knows they owe it.  Calling and harassing doesn't make a person have the money to pay it back.

it's also immoral to rack up $1000 in charges over a measly $300 loan...I am just saying! They should know! If you are going to get a payday loan basically you are flat broke and no friend can loan you money because you probably have not paid back the previous loan...your credit is probably so bad the bank does not even want to look at you....so how and why would you pay them back.How do I know? Been there! In all seriousness though JUST AVOID pay day loans.They are a hot messy trap.

Sorry to say you dump blasters you are not a collection agency you are a low life trying to get money buy scamming us  Sorry to say I know who you are and I scammed money from you  yes I took it out of your bank  how do you like that.  It feels good to get even

I fixed this sorry son of a bi****s went to my bank main not all my money back that I paid in two of them in and young you're a piece of s***

shut up, Clown!

I couldn't even understand the name that was left with the message.  The recording was extremely static-y and I never did get the reference #.  My bank account is fine, I rarely if ever write checks, and have had NONE of them returned.  If it was meant for me, which I highly doubt, my bank would have contacted me a long time ago first.

Informational Post:

http://www.callercenter.com/866-410-8063.html
http://www.whycall.me/716-335-9051.html
http://whocallsme.com/Phone-Number.aspx/8664108063
http://800notes.com/Phone.aspx/1-866-410-8063
http://800notes.com/Phone.aspx/1-888-995-0693


https://www.consumer.ftc.gov/blog/phantom-debts-and-fake-collection-notices

http://www.bbb.org/upstate-new-york/Business- ... lo-ny-235969408
F rating, not accredited
Failure to respond to 35 complaints out of 39

Zimmerman Young & Associates

Phone: (866) 410-8063
2211 Sheridan Drive Suite A, Buffalo, NY 14223
BBB® F Rating

(877) 805-6049(Phone)
(716) 875-2952 (Fax)

Possibly related or same but not updated:

http://www.bizapedia.com/ny/ZIMMERMAN-YOUNG-AND-ASSOCIATES-INC.html

If you google information about internet payday loans they are unlicensed...and they do not have the legal ability to take civil action against you.  A Jim Scott called me from Zimmerman Young and Assoc.  They use robo calling and several different #'s...one is 1-716-335-9051 another 888-995-0693--They even had a man pretend to be calling me from my local Court...but he said if I called Zimmerman and Assoc that they told the court that they would be willing to mediate with me so that I do not have court costs and lawyers fees....Then I googled these phone numbers and lo and behold they are famous for illegal tactics.....

I have recieved this number several times  with my caller id stating , gracie whatevet I dont answer the phone. Its a scam I tell you!!!!!!

Today is the 2nd annoying call from this number. The call is very disrespectful and belligerent. The call come early in the morning. We are retired and it is annoying.

had same call, same conversation, it's a scam. We all need to report it. That's the only way to stop it. After I call them out they got belligerent.

The problem is that these companies rape you with additional charges. I have paid back all loans and then some with outrageous fees and interest.They are not even legal in my state and these colletions companies can not take you to court if they are not licensed in your state!

Have a great day too!

Call from7163359051 talking about some bank and saying this is rea

You must return call before paper work is filed. A threaten call

        DEBT COLLECTORS
This was posted on this web site:

The Fair Debt Collection Act (FDCPA) was put into place To give people legal rights when it comes to collection agencies and collection attorneys.  If this collection agency is calling you for a debt you owe or a debt that is not yours, they could be violating your rights.

IF YOU ARE BEING CONTACTED BY ANY COLLECTION AGENCY,  get in contact with         http://www.fdcpacompliance.com/           asap so they can determine what rights these bottom feeders have violated and take action.   More and more American?s find themselves being hounded by debt collectors as a result of our country?s recent economic downturn.  The good news is that harassment is an illegal act according to the Fair Debt Collection Practices Act (FDCPA).  The great news is that each infraction is PUNISHABLE UP TO $1,000.00 TO THE CONSUMER for statutory damages, and possibly more for actual damages!  The offending agency also has to pay your attorney?s fees.  The only thing that the consumer generally has to do is help to gather and provide information.

Good for you!!!!!!

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action

Also read up on the laws and your rights:

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

And see:

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
****************************************
A Collection Agent May Not?

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer?s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
***************************************
Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

? filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims? relatives, friends, and employers.

Called me on Friday with a message saying that I was being investigated for check fraud and that if I didn't call them back immediately they had a federal warrant out for my arrest.  I received another call the next day and the message said the same thing.  Thankfully I googled their name before then and found this thread so I knew that this was a SCAM and didn't fall for what they were going for.  I thought that if I didn't call them back they would leave me alone.   NO they called my work and told them I was being investigated for check fraud and that they were going to come to my work and have me ARRESTED! My boss actually came down and told me this. When I called them back immediately after that they tried telling me my name was tied to someone else's.  A Maria Lopez, a name I have never heard before in my life.  When I told them that they told me it was fine and that they would take my name off the call list.  I asked the lady her name which she refused to give me.  I then asked her how she got my work phone number and contact information and she refused to answer, then hung up on me.  I have never taken out a payday loan in my life and I have nothing in collections.  Needless to say if they ever call me again they are getting a very very large piece of my mind.  

Nope, that never happened.

To Pauline M:
They cannot file criminal charges on you for a Payday loan if that is what they are threatening/implying.
It depends on what state you took the loan out in. This company may not be licensed to collect in your state. If your loan is past the statute of limitations for debt in your state, making any payment will re-open and start the "aging" process again.  Do a lot of online research-there are tons of sites out there that will hel you.
8/27/13-Our company has gotten several calls and each time we pick up, it's a recorded message mid-way through about debt. I decided to call back today and see who (if the would tell me) they are trying to reach. The recorded message was a little hard to understand, so I pressed "0" as directed. Turns out it was a former  employee. I explained that we had a high turnover, and I did not recall the name. Just be aware that they have a "trap" on their phones that will show the number you are calling from, (and I'm inclined to think that applies to unlisted/private numbers as well) so if you don't want them to know your number-DO NOT CALL! The guy I spoke with was nice (I wasn't the debtor, of course-thank goodness!) and said he would remove the phone number from their records. We will see if that is the case.

This number called me yesterday I gave them my info and my debit card number what to do know

I got the same call to telling me I was going to get charges tile on me for a payday loan I borrowed they want me to pay six payments of $243.00 until paid so idk what to do

By raising your volume on paper, sent via USPS Certified with return card. Verbal demands are dismissed by creeps like this.

.  .  .  .  .  .  .  .  .  .  .  .  .  .
Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Many are simple to exercise if you only learn how. You are granted control of how you are contacted, the right to dispute debt claims, and the means to sue violators at low cost. The FTC and the CFPB can start you on your homework. See also if your state laws grant additional or stronger rights.

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB Q&A on debt collection practices
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

This post is just as fake as the phone calls!  Engelbert... your grammar is horrendous.  You should hire a secretary for that "really, really big office".

they call me EVERY DAY and leave the same message the rest of you are getting.  Already contacted my bank... there is NOTHING wrong.  They've been bugging me for over 2 months... how do I get it to stop calling me?!

they are a scam....................dont give them any money they are dirt balls from NY