I've received several calls from a man claiming to be Vincent Cooper. He has a mid-Eastern accent and is looking for an individual who does not live here. He states he has an important legal issue to discuss and leaves this number for us to call: 866-533-0609.  Although the caller ID has this number 213.784.7339. I threatened him that I would report him to authorities and he stopped for about a week. But recently he continues to call and leave messages on our answering machine. I also noticed that when I hide my caller ID number to call him back I can't get thru. This is definitely some scam. Anyone have any sound advice on how to report this?

Received a notice from Convergent, LLC on behalf of LVNV offering to settle a $700 debt for $200.  Not a bad deal, except that LVNV is claiming the debt originated from GE Credit.  I have never had a debt with GE Credit.  I'm used to dealing with bottom dwellers and will use the same tactics here.  First a letter disputing the debt and requesting validation of the debt including documentation showing my signature and the last bill.  You would be surprised at what these bottom dwellers send purporting to be proof of the debt, including acquisition agreements, etc.  After you receive the suspect "proof" that they send, send another letter refuting the proof and asking again for the validation proof.  They won't send it, because they don't have it.  If they can't provide it in 30 days, send them a final letter telling them to stop contacting you.  Keep copies of all letters and documentation received, and then after the final "no contact" letter, write to the credit bureaus (if the debt is showing on your report) and tell them that the debt is disputed, that the creditor has not validated the debt and request removal of the negative report from your credit file.  Removal takes about 30 days because the bureau has to contact the creditor requesting the same information that you just did.  Redundant, but that's the way it works.

these are thieves calling people to steal or swindle them .they don,t deserve to be treated polite.they know what they are doing is wrong.get a real job.

According to the Erie County, N.Y. Clerk's office Rebecca Werth-Gallagher aka Rebecca Gallagher aka Becky Gallagher aka Becky Werth now has a judgment against her over 100K for cheating another debt collector.

File No.: 2012074805
Date/Time: 3/30/2012  15:54:30
Book Type: Q
Book/Page: 246/2163
Pages: 4
Consideration: $134,678.79
Legal:  
Grantors: WERTH REBECCA AKA  
GALLAGHER REBECCA AKA  
ABBOTT RECOVERY LLC    
Grantees: UNITED DEBT HOLDINGS LLC

Phone rang,no answer,hung up

} cheap dialer, they cannot control who they call

The collection agency's equipment failure is not my problem, nor will it be a valid excuse if I receive calls outside the default hours or at times and places I have declared inconvenient. If an agency "cannot control" its own machines, it could simply opt to not use them.

} fdcpa says they can call .... up to 7times a day if no one answers.

Nothing in the FDCPA specifies any numeric limits on calling, apart from the one call to third parties when skip tracing. (... which most agencies ignore anyway on the pretense that everyone called is a liar, thus resetting permission to call again) FTC staff opinions have held that anything over three daily calls, even if all go unanswered, can be painted as harassing or annoying, therefore violating FDCPA.

} they know the fdcpa very well

.... or at least whatever slanted version they got in compliance training ....

} once it is removed it takes 48 hours

When an agency gets my Cert Mail with my orders regarding call restrictions, that autodialer had better be updated before the next day, and even then I'm being generous.

} its yours, be and adult and just own up

An account claim with my name on it does not prove my liability. I am entitled to have a correct amount, correct account details, proper chain of title, and so on. Part of being an adult means avoiding stupid mistakes like paying belligerent strangers over the phone.

} before you start to act like you know everything

Why should I? That posturing would be from *your* employer's playbook.

} just because they are collectors ... doesnt mean they are just as hard working as you

I agree, no debt collector could possibly work harder than I do, at my job which does not embrace a lawbreaking business model.

} they dont get rude untill you get rude

That is a fascinating theory I read from someone in your industry almost every week. Not one of the collection agencies which have contacted me in the past fifteen months proved this theory correct. To varying degrees, they all decided from Day One that I needed to be misled, lied to, annoyed, harassed, and frightened to make me do what they wanted. (Most of them, I would add, were skip tracing for people I've never met.)

Meanwhile I remained steadily polite and even-tempered. I asked for simple things which are my federally granted right to have and was ignored. I asked nicely for help with my problems and only got empty promises or flimsy excuses. Among dozens of other violation counts, one agency also seemed unwilling to control its autodialer, and disobeyed my written orders during the worst family crisis I've yet endured. That's why I sued that agency recently, since evidently no one there could "be an adult" and "own up" to their legal responsibilities.

If the agency discussed in this thread is keeping company with the likes of Rodney Giove, the Fred Hanna clan, or the McKinnon brothers as cited by other commentors, I as a call recipient would only have to sit still and watch the Fair Debt violations pile up like cordwood. Then I could haul that pile to a courtroom and burn them within it.

Rebecca Gallagher aka Becky Gallagher has numerous judgments against her from other debt collectors/debt buyers for defaulting on her credit cards.  Not to mention the judgments from the person she stole money from and the debt sellers her and her company didn't pay that others have posted on this thread.

Her dishonesty and scams didn't seem to help her.  She's in worse shape then the folks she harassed and tried to con money out of.  After all, she got what she deserved.  

Rebecca Werth-Gallagher is truly the "the dead beat debt collector".

The below is from the Erie County Clerk's website>

2009078314
Date/Time: 4/22/2009  12:57:36
Book Type: Q
Book/Page: 207/7689
Pages: 2
Consideration: $2,215.44
Legal:  
Grantors: GALLAGHER REBECCA    
Grantees: LVNV FUNDING LLC  
GE CAPITAL APO  
FORSTER&GARBUS

According to the Buffalo City Court and Erie County Clerk websites Rebecca Gallagher has judgments for consumer debts against her from credit card companies, debt buyers and auto finance companies.  

She also has judgments against her from investors she cheated and debt brokers she could not pay back; not to mention she does not pay her mortgage.

She is the ultimate debt beat debt collector!

According to the Erie County, NY Clerk's office Rebecca Werth aka Rebecca Gallagher aka Becky Gallagher now has a judgment against her over 100K for cheating another debt collector.

File No.: 2012074805
Date/Time: 3/30/2012  15:54:30
Book Type: Q
Book/Page: 246/2163
Pages: 4
Consideration: $134,678.79
Legal:  
Grantors: WERTH REBECCA AKA  
GALLAGHER REBECCA AKA  
ABBOTT RECOVERY LLC    
Grantees: UNITED DEBT HOLDINGS LLC

Rebecca Werth aka Rebecca Gallagher aka Becky Gallagher now has a judgment against her over 100K for cheating another debt collector.

File No.: 2012074805
Date/Time: 3/30/2012  15:54:30
Book Type: Q
Book/Page: 246/2163
Pages: 4
Consideration: $134,678.79
Legal:  
Grantors: WERTH REBECCA AKA  
GALLAGHER REBECCA AKA  
ABBOTT RECOVERY LLC    
Grantees: UNITED DEBT HOLDINGS LLC

If Rebecca's mouth is moving, it means she's lying.

Got a couple calls to my cell phone last week.

Number belongs to the Harold Scheer law office out of Flordia.

I just heard in her recent court appearence with her ex-she was advised of public rep,althought she lives in a quater-millon dollar house,she stated she cant afford a lawyer? Really?? She could sell her shoe collection at half price to get an attorney for a year!

Number belongs to the Herald Scherer law office!

WELL, YOU CAN'T FAULT HER FOR TRYING TO PAY HER BILLS, NO MATTER HOW SHE GET THE MONEY!!!  Sorry I was talking about Rebecca

If you?ve fallen behind on your bills, chances are that you are being pursued by a debt collector. The Federal Trade Commission and Better Business Bureau report that they receive more complaints about debt collectors than any other industry. You should know that there are numerous federal and state laws designed to protect consumers.

One such law is the Fair Debt Collection Practices Act (FDCPA), which prohibits collection agencies from using abusive, deceptive, and unfair practices to collect a debt from you.  While it cannot eliminate your debt, the FDCPA prohibits a collector from harassing you.

You have rights under the FDCPA if you are:

Being contacted by someone regarding an outstanding debt;
By a third party collection agency (someone other than the original creditor that you owed money to);
And the debt was for a personal, family, or household purpose (such as a personal credit card, auto loan, medical bill, residential mortgage)

what people do not think about when they receive calls from a.i. currently they are on a pretty cheap dialer, they cannot control who they call. fdcpa says they can call from 8am to 9pm and up to 7times a day if no one answers. when you call back screaming to remove your number and hang up, you dont give them enough time to pull the account that attached with your number to remove it, once it is removed it takes 48 hours for it to be cleared from the system. when they receive the accounts, they send notification letters, and fdcpa only requires one letter to be sent, but they send one every month. and if you know that the debt is yours, even if you got screwed by the original creditor, then its yours, be and adult and just own up. and yes obviously, i know this for a reason, they dont like your know it all attitude any more than you like them calling, oh and if your on your states DO NOT CALL LIST guess wht, that is for solicitation calls only. and if they dont disclose who they are to you because your not the person they are calling for, its because of the fdcpa yet again, they know the fdcpa very well, get to know it too before you start to act like you know everything. and just because they are collectors and they bother you, doesnt mean they are just as hard working as you, the debtor. thank you all and have a great day! remeber the golden rule, because generally they dont get rude untill you get rude.

Sunny--
I hope you recorded that message.

This is NOT a district attorney's office! Please read the following, then IMMEDIATELY e-mail Budd Hibbs, notify the Attorney General's office in your State, and the authorities in New York State.

Shapiro is a collector working out of this CRIMINAL operation:

Giove Law Office, P.C. *****
Aka. Lenahan Law Firm
Aka. Account Management Services - and a dozen other names.  For up to the minute information on Giove, visit giovelawofficeexposed.com
3695 Pine Avenue.
Niagara Falls, New York 14303
Phone: (716) 284-0484
Fax: (716) 284-0485
Web Address: www.giovelawoffice.com

Date: October 11, 2006

"My 73 year old parents were just contacted today by a Mr. Shapiro who claimed to be an attorney trying to "find" me. I have lived at the same address and had the same published phone # for years. When I called this man back he claimed he was an attorney representing an ancient account I once had. He informed me that they were in the process of filing a lawsuit against me and would have my wages garnished. He further went on to state that if I refused to make payment in full, he would "call the sheriff's department and have a warrent issued for intent to defraud". When he finally let me say something I told him I was calling on a recorded line and that I believe he had jut broken the law, because he can't file criminal charges on a civil matter. Then I went on to tell him that the matter was resolved when I filed bankruptcy. He proceeded to tell me that I needed to provide him with all the details of the bankruptcy as well as the list of creditors included. I told him the original account holder was notified and for him to call them, that I wasn't telling them anything else.

After researching I found your web site and I have to tell you that they gave me a different address and fax# than you have for them. It is Giove Law Office 636 N. French Drive, Suite #3, Amherst, New York 14228. Their fax # is 716-568-2990 and their phone # is 866-326-3328".

Other Offices:
65 Great Arrow
Buffalo, NY 14216

4507 Lewiston Rd.
Niagara Falls, NY 14305
This Collector has been Voted America's Worst -

They are so bad, we needed a separate web site to track their illegal activities...  www.giovelawofficeexposed.com

Bud Says...

Rookie lawyer, Rodney Anthony Giove, of Niagara Falls, NY is a 26 year old with a new law degree, who started out associated with a Niagara Falls, NY law firm. He either could not cut it, was fired or likely too inept to practice law. He now can be seen driving his new Range Rover around Niagara Falls LOADED with all the cash, he is making from his new career of renting his law license out as a debt collector.
Giove is renting his license to the illegal, and America's Worst Debt Collector, 'Lenahan law Offices' of Buffalo, NY. His new partners; Douglas J. Mackinnon, Mark Bohn and Daniel Lenahan make up the nucleus of the WORST debt collection organization in America.

Rodney is allowing his licensed to be rented from the VERY same address listed as Lenahan's corporate offices in Buffalo.

This can ONLY mean trouble:
Trouble for Rodney Anthony Giove.
Trouble for the future of his rented law license.
Trouble for anyone that uses his name with the collection of a debt.
Trouble for consumer receiving calls from thugs claiming to be "legal assistants" for Rodney Anthony Giove, Attorney at Law.

Trouble because Giove & Lenahan have NO  collection licenses or bonds filed anywhere (as required by law) in the U.S.

It should be made perfectly clear that Rodney is incapable and has NEVER litigated a collection account under the Fair Debt Collection Practices Act (FDCPA), the federal law that regulates debt collectors. Coincidentally, neither has the other rented law license owned by J. Daniel Lenahan litigated an FDCPA case. Why? Because they cannot, they have NO training, rented law license are NEVER used in a courtroom. Their value lies in the extortion value, made off unsuspecting consumers.

Rodney must have been having severe financial problems if he was desperate enough to rent out his license to the illegal and organized crime principles of Lenahan. This ticking bomb will ruin many lives, tear up families, and fill many, many prison cells when it explodes.

Anyone associated with the name Lenahan, Mark Bohn, Douglas J. MacKinnon, The Law Center. VA Attorney Harry E. Cohn, Account Management Services, Elite Recovery Services are being watched, information is being collected, tape recordings being assembled, it is just a matter of time until the indictments start flying. My sources tell me that organized crime statutes are being utilized to deal with this group on a large scale. These illegal (future inmates) are drunk on power and money (much like a drug dealer) who think they will never be caught or face the consequences of their actions.

Their debt collectors have been recorded posing as lawyers, court officers, and law enforcement officers, (state & federal) which is a felony. (Debt Collector Michael Mancone (Mackinnon's #1 boy) and his friends think nothing will happen, Doug Mackinnon and Mark Bohn think they can buy their way out of the mess they created. There are consequences to their actions; their operation is reminiscent of the drug lords of the 80's & 90's. Most of whom are dead or still in prison.

Consumers are warned to stay FAR away from anyone representing to collect a debt for any of these illegal operations. They will NEVER file any lawsuits; there are NO court orders, judgments, wage garnishments, or any other legal proceedings going on, except the ones in their drug induced heads. These sick people should be avoided. They are also desperate to make money, while they still have their freedom.

TO FILE A COMPLAINT AGAINST LAWYER RODNEY A. GIOVE,
CONTACT THE NEW YORK STATE BAR:

Attorney Grievance Committee
295 Main Street
Suite 1036
Buffalo, NY 14203
(716) 858-1190
With your complaints and ethics charges

http://www.budhibbs.com/debtcollectorpages/giove_law_firm.htmCaller ID: 866-375-0594

I'm pretty sure Greg did not need a lecture from you in money management. It is well established in that story that the debt account was not his and was possibly made of thin air. I do hope he filed suit with FDCPA claims before the next October. That's a case a kid out of high school could win based on all that ridiculous abuse from the collection reps.

In NCO has chased an account after you got it discharged, it's violating a court order, making a FDCPA violation. Seems to me a $1K stat payout and any actual damages would help somewhat with your recovery process.

Jake did not raise any issue of the DNC registry, which indeed exempts non-sales calls. Cease-comm letters are a first line of defense for anyone who is not the alleged debtor or cannot be held liable for the collector's claims.

Those who ARE alleged debtors are better off sending a brief dispute letter, which invokes full FDCPA protection, including shutting up the agency until it validates its claim. The same letter can (and should) contain instructions limiting or barring all phone calls in the future.

Any letters to collectors are best sent via USPS Certified with return card. Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.
http://www.ftc.gov/os/statutes/fdcpajump.shtm

Your chief problem is in relying on verbal demands to stop calling, which will be ignored because you cannot prove receipt. Below you can find my detailed advice to "not me" cases taking skip trace calls.

http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls

NCO Financial attempted unsuccessfully to collect money from me even after I advised them IN WRITING that we'd filed for Bankruptcy and they weren't getting a dime.  

The best way to handle collectors is to remember their truth is not your truth.  You have to be a certain type of person who can sit at a desk all day and harass people.  These are the individuals who will go to an early grave because eventually the stress of harassing people, harassment from your supervisor, guilt, and other mental health issues will be a detriment to their health.  Collection agencies need to realize that you cannot get blood out of a stone - people who cannot pay the original creditor are not going to pay NCO or any other collection entity.

Bottom line, if you can help it, is not to create a situation where you could possibly find yourself being harassed by a collector.  We live in such an enabled society that people do not believe they need to pay their bills and figure they will just go away - believe me, they don't.

Bankruptcy ruins your whole entire life.  It has drained me mentally, physically, and emotionally.  After having creditors harass me for 2.5 years 7 days a week 8 hours a day, I've had it.  It's over now, but the scars will last for a long time.  It has basically destroyed my marriage and I'm not sure we're ever going to recover.

Bottom line once again, pay your bills if you can and make sacrifices.  If you drink, even just socially, stop.  If you smoke, quit.  Imagine your cigarettes as $5 bills that you are burning with that lighter to satisfy a craving.  The tobacco companies are not your friend.  If you overeat, stop - get help.  Stop these enabling cycles of abuse and get help so that you can save money to have a safe, healthy, happy life debt free.  Believe me, I know what I'm talking about.

And Rebecca has numerous judgments against her from other debt collectors/debt buyers for defaulting on her credit cards.  Not to mention the judgments from the person she stole money from and the debt sellers her and her company didn't pay that others have posted on this thread.

Her dishonesty and scams didn't seem to help her.  She's in worse shape then the folks she harassed and tried to con money out of.  After all, she got what she deserved.  

Rebecca Werth-Gallagher is truly the "the dead beat debt collector".

2009078314
Date/Time: 4/22/2009  12:57:36
Book Type: Q
Book/Page: 207/7689
Pages: 2
Consideration: $2,215.44
Legal:  
Grantors: GALLAGHER REBECCA    
Grantees: LVNV FUNDING LLC  
GE CAPITAL APO  
FORSTER&GARBUS

The below is a Judgment Rebecca Gallagher aka Rebecca Werth has against her due to stealing money from an investor!  She stole almost 60K from this guy!

File No.: 2006155639
Date/Time: 7/14/2006  16:22:38
Book Type: Q
Book/Page: 163/3926
Pages: 3
Consideration: $57,885.03
Legal:  
Grantors: GALLAGHER REBECCA    
Grantees: FORNASIERO JOSEPH B  
OSTERREICHER MICKEY H

Allied now goes by iQor, Inc. The president and CEO is Vikas Kapoor. Like all of today's CEOs, almost eveything is in his wife's/family's name. A plush appartment in Manhattan (Google the address) and a winery in CT.

Here's the info:

Vikas & Jaishri Kapoor
135 Central Park W Apt 7S
Manhattan, NY 10023
1-212-769-1451
1-212-769-3760

They also own a house/farm/winery in Connecticut:

713 Milton Rd.
Litchfield, Ct 06759
1-860-567-8878

I'm sure as CEO he would want to hear about any of his employees that step out of line.

(also known as iQor and Intellirisk Management)
435 Ford Rd. #800
Minneapolis, MN 55426-1066
Phone: (952) 546-6600    1-800-806-3342    1-866-525-7795
Fax: (952) 595-2911

Other Numbers called from:
323-372-6323
877-350-9743
866-310-3482
866-858-8603
866-526-7295
800-885-4574

Callback Number (if a voice message is left): 866-429-7605

Web Address: www.irmc.com

Head Debt Collectors:
Part of the Intellirisk Companies
Vikas Kapoor, President & CEO
Randy Christofferson, Chairman of the Board
Norman Merritt, CFO

ALLIED INTERSTATE, INC.
Jeff Swedberg, President
Jim Pond, Senior Vice President
55 N. Arizona Place, #505
Chandler, AZ 85225
Phone: (480) 722-7810
Fax: (480) 782-7001

5062 N 19th Ave Ste 102
Phoenix, AZ 85015-3225
Phone: (602) 841-4332
Fax: (602) 841-7388

31229 Cedar Valley Dr
Westlake Village, CA 91362-4036
Phone: (818) 575-5400

3111 S Dixie Hwy Ste 101
West Palm Beach, FL 33405-1520
Phone: (561) 871-2521
Fax: (561) 671-2169

340 Interstate North Pkwy SE
Ste 140
Atlanta, GA 30339-2201
Phone: (770) 989-5766
Fax: (770) 989-5724

7103 Chancellor Dr., Suite 100
Cedar Falls, IA 50613
Phone: (561) 671-2152
Fax: (561) 671-2167

5910 Shingle Creek Pkwy.
Brooklyn Cntr, MN 55430-2322
Phone: (763) 503-6595
Fax: (763) 585-7881

435 Ford Rd Ste 800
Minneapolis, MN 55426-1066
Phone: (952) 546-6600
Fax: (952) 595-2311 13777 Ballantyne Corporate Pl
Ste 200
Ballantyne Corporate Pk.
Charlotte, NC 28277-3425
Phone: (704) 943-1076
Fax: (704) 943-1053

3200 Northline Ave Ste 135
Greensboro, NC 27408-7616
Phone: (336) 333-3177
Fax: (336) 373-4442

15 Hazelwood Dr., Suite 102
Amherst, NY 14228
Phone: (716) 691-1320
Fax: (716) 691-3534

1979 Marcus Ave Ste 100
New Hyde Park, NY 11042-1002
Phone: (516) 487-0800
Fax: (516) 437-6185

3070 Lawson Blvd
Oceanside, NY 11572-2711
Phone: (516) 561-6558
Fax: (516) 561-6548

3000 Corporate Exchange Dr.
Columbus, OH 43231
Phone: (614) 901-7988
Fax: (614) 901-7794

12655 N Central Expy, Suite 925
Dallas, TX 75243-1700
Phone: (972) 934-8448
Fax: (972) 404-1611

14550 Torrey Chase, Suite 550
Houston, TX 77014
Phone: (281) 580-2000
Fax: (281) 580-0396

I guess Rebecca would be what you call a "dead beat debt buyer"!

What goes around comes around.

According to the Erie County Clerk's Public Records Rebecca also has another judgment against her for not making her car payments!

2009084379
Date/Time: 4/30/2009  10:18:47
Book Type: Q
Book/Page: 208/1914
Pages: 2
Consideration: $3,851.32
Legal:  
Grantors: GALLAGHER REBECCA A AKA  
WERTH REBECCA AKA    
Grantees: FORD MOTOR CREDIT COMPANY LLC  
RUBIN&ROTHMAN

Rebecca even has judgments against her from other debt buyers!  

File No.: 2009199602
Date/Time: 10/5/2009  10:22:40
Book Type: Q
Book/Page: 213/8547
Pages: 2
Consideration: $11,414.74
Legal:  
Grantors: GALLAGHER REBECCA A AKA  
WELLEN REBECCA A AKA    
Grantees: UNIFUND CCR PARTNERS  
MULLOOLY JEFFREY ROONEY&FLYNN

I got a call but they did not leave a message. If you encounter them they have to abide by thes rules stated below. Otherwise they are subjet to legal action themselves.

As taken from:
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.Caller: Camden Law Office
Call Type: Debt Collector