also uses numbers:
716-580-6105
716-270-18112
716-995-2794
856-770-9500
877-929-1052
877-943-1013
888-249-4134
888-863-8469

Collection Agency 716-580-6105  uses a robo dialer then leaves a message to call them back. Calls endlessly several times a day

Just got a call from these people, and so did one of my close relatives. We both didn't answer and never will. Just another number to add to the reject list. Don't EVER answer a debt collection agency's call. It'll cause nothing but frustration and anger.

Even if you owe a legitimate debt, do not pay a debt collection agency. Just go back to the source of your debt and pay them what you owe, to get them out of your life. If you can't, save up for a long time and pay your debt back. It's the only way to get these people off your back. If you don't owe any debt and they keep calling, file a complaint on various sites mentioned here and articles found on google are sure to help as well.

Keeps calling my house for a person that does not live here and I tell the same man to stop calling and he continues to call my house.

Answering machine says if you are not _______ hang up. If you are stay on the line for customer service. They are a collector.

Someone called and said a man named Thomas something had given my name and number as a contact and they needed to get a hold of him. My number is not listed so they could have easily gotten my name.  I told him I didn't know the person and the call ended.

This number is ongoing for a person whoms nobody in my house knows.

I have been getting calls asking for my sister who doesn't live with me at my home and I was out getting my food and as soon as I got back home, I checked my answering machine and these people that are ACI left a message on the answering machine and said that they were looking for my sister and it was just a female on the answering machine and when they called back, I told them that my sister doesn't live with me anymore and stop calling and this woman didn't leave her name and number and she just immediately hung up. These people who work for this ACI company is a scam. My sister is being harassed by these people. I hope these people and this so called company ACI will get put out of business soon. The sooner, the better. My sister doesn't owe any money to nobody and she has never been in debt.

Known ACI phone numbers to block/ignore.

503-433-1386
716-418-7183
716-492-8100
716-550-8150
716-580-6102
716-580-6103
716-580-6105
716-580-6106
716-580-6110
716-634-7955
716-995-7300
800-213-7163
800-753-0628
866-876-0224
888-400-7804
888-716-2505

yes these people called me. I was hung up on too. This is a scam.

So ACI called me today too. Asking for my dad on my cell phone. The girls name was Jennifer. Very rude and pushy. Not sure how she lives with herself and does her job. They called about some "debt" me or my dad has. They had no other contact number for my dad or address. Plus we have no debt! Real debt collection agencies have your mailing address and home phone number. They also will work with you and be polite because they are a business too! But this is shady. Don't give them any info unless they all ready have it. This is not a legit attempt to collect debt if you get a call from this company... they have no idea what they are doing. The BBB actually says they are a company but beware things just dont add up!

ACI...503-433-1386, called me about a "loan" on behalf of fastcashadvance.com taken out 2008!!!! The woman by the name of JoAnn Bell tried to tell me that I took this loan out and never paid them back!!! I paid this back already so I told her I would have my attorney contact her and the B!t@# hung up me!!! Has anyone had this problem from them?

Well I don't know anything about Budd Hibbs or their services but I do know that this specific agency is no angel through personal experience.  About 3 years ago my wife and I relocated to the southern US from the Northeast because of my job.  We bought a house in the town where I now reside and when we got the phone hooked up we debated wether to have our phone number published.  I said that there might be old friends or relatives back up north that may want to contact us so lets not go unlisted.  My wife said to keep our number unlisted but I won out.  Well after having been here for a little over a year we started getting calls from ACI for a Mary Smith, That name is fictitious but I am not comfortable telling everyone on the internet my real name or hometown.  Anyhow someone from ACI started calling repeatedly, several times a week.  Most times they did not leave a message or if I was able to answer the phone there was no one on the phone.  Now I know why there is no one on the phone, that is because my number was dialed by a computer and when it connects then it waits for an operator to become available from the collection agency to actually speak to you.  This company uses a computer to dial, not a human because they know most times it won't connect with a live person but they figure what the heck lets harass somebody today.   Sorry if this story is long but I feel it necessary to explain to you max why the company you worked for is lower than pond scum.  Well now one day they did leave a message saying they had an important business matter to discuss with Mary Smith and I believe they left a reference number.  Well I call the number back and lo and behold I talk to a human being.  He was a nice and polite individual.  I tell him I am obviously not Mary Smith and he agrees but he wants me to tell him how he can get in touch with Mary Smith.  I tell him that I don't know and explain how I relocated to this town again and that I don't know of anyone here with my same last name.  I tell him again and again I am Robert Smith, my wife is Nancy Smith and we don't have any connection to any other Smiths here this city.  I ask him to please stop calling as I find it very annoying but he says they can't stop doing that until they can get in touch with Mary Smith.  I ask to speak to a supervisor and after holding for a while I get to talk to a supervisor.  I explain that for 6 weeks now his company has been calling my home phone looking for a person I have no connection to and that I would sure appreciate it if he could make it stop.  He listened to my whole long story patiently.   At the end of my story he says well Mr Smith you have to see it from my companies point of view, Mary Smith owes us money and is hiding from us.  Until people stop covering for her we will have to follow all leads to get her to pay up.  I tell him though I am not a valid "lead" as I don't know that person.  That is what everyone says and he goes on to say the best way I can help myself and Mary is to convince her to contact his company and pay her debt.  

So max for almost two years now your company continues to call my home phone.  I have thought about changing my number but I always reason out that if calling me is not profitable as it can't possibly be because I can never get Mary Smith to pay eventually your company will stop calling.  Well they stop for a few months and then start back up.  I believe when they first started they may have been using a couple of different numbers.  No they don't break any laws apparently as the calls are always during the hours that are permitted to call and if I do answer I can't recall anyone being rude profane or unprofessional but for some reason your company thinks it has the right to harass me for the rest of my days because someone from this city with the same last name as mine owes them money.

I can't endorse Budd Hibbs or the like personally but if they are rude disrespectful and lacking moral integrity at least they aren't calling my home 10 times a week for weeks on end.

YOU ARE THE SOMEBODY THAT NEEDS TO DO SOMETHING!

Fact is - IF YOU and everyone else who is being illegally harrassed do not bother to report them for their illegal debt collection practices - what do you expect the authorities to do?  They can't so anything without YOU reporting them!  

Take responsibilty and report them!

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

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.  

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
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.

debt collectors hate it when ever Bud Hibbs is brought up.  

WHY?  Because what they are doing is illegal and they (debt collectors) do not want you to know that.  They also do not want you to know that you do not have to pay them!  

the SO-CALLED FACTS posted by DEBT COLLECTOR MAX ARE PURE BS and intended to SCARE PEOPLE ONLY.  

THIS BOTTOMFEEDER buys worthless legally uncollectable debt and break state and federal laws to collect money from INNOCENT CONSUMERS!  

Both the credit card companies and mortgage companies are FULLY RESPONSIBLE FOR THE ECONOMIC CRISIS we have now. He's blaming the consumers for the high rate of default - not the FINANCIAL INSTITUTIONS that made BAD BUSINESS DECISIONS.

Millions of people are out of work - and Max blames those who have been laid off through NO FAULT OF THEIR OWN and cannot get jobs - because there no jobs for the high default rate - Typical bottomfeeder mentality - blame the innocent or sick.  Claim they are refusing to pay their bills, when the true FACT  is - they lost their jobs and have no money to pay it,  

FACT - THERE ARE NUMEROUS CREDIT COLLECTION WEBSITES THAT POST THE SAME INFORMATION AS BUD HIBBS DOES!

FACT- THE NY ATTORNEY GENERAL IS CRACKING DOWN ON THESE BOTTOMFEEDERS - overturning fraudulently obtained default judgements, shutting down the FDCPA VIOLATORS so much so he created a SPECIAL website just to report these illegal collection tactics  

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

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.  


THIS IS WHAT MAX DOES NOT WANT YOU TO KNOW!

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
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.

Received a call again and refused to answer it.  Just ignore the call.  They won't leave a voice mail.  Wish I could block it.

I read all of these and the funny thing is that a guy called here looking my cousin who doesn't live here. He wasn't rude or anything, but he did ask a lot of questions and I just told him what I knew. Of course, they might call every day now or something and then I would change my tune, but other than asking "If he doesn't live there, where did we get this number?" (Why ask ME?) I thought he was ok ...

Don't pay any attention to these responses from the Budd Hibbs site.  These people are the biggest hypocrits going.  On the one hand they slam the collection industry for "making a buck" off of consumers - yet on the other hand they get benefits either compensation or personal satisfaction from slamming the industry.  

Fact: If you are in debt and don't pay the only person you are hurting is yourself.

Fact: Bud Hibbs hails from Texas, the epicenter of a culture that promotes running away from and not being responsible for one's debt.  And the vast majority of these people are rude, disrespectful and clearly have no moral integrity.

Fact: The banking industry projects that credit card defaults may increase to 20% of cards issued.  Now admittedly the banks should not be so quick to issue the cards.  But no one is placing a gun to the heads of consumers getting them.  Many people sign up for 6 - 8 - 10 - 12 cards - max them out with no intention of paying the bill.  People know that if they have one card with a $25,000 balance they might get sued - but 10 cards with a $2,000 balance - they can easily run away from that.  Sure, make banks out to be the bad guys but the bottom line is that the massive amounts of "purposeful and deliberate" credit card defaults hurts all of us.  It results in higher interest rates, lower availability of credit and higher fees. It is the responsible people in this country that are paying for the irresponsibility of the Bud Hibbs fans.  Wake up people!!

Fact: Our current financial crisis is the result of not only the housing defaults but credit card defaults as well.  I find it ironic that people that can't pay their bill will blame teh recession when the recession was casued, in part, by the huge number of defaults in the first place!!

Fact: The statements regarding the agency ACI are outrageous.  I worked there for a while after I was laid off from my prior job.  I found the Agency to be extremely ethical.  If a collector got out of line (broke regulations, harrassed or abused a consumer, called at off hours, etc.) they were written up and if the behavior continued they were fired.  Period.

THIS NUMBER BELONGS TO A COLLECTION AGENCY. THEY ARE RUDE AND DISRESPECTFUL SHOULD NOT BE PERMITTED TO DO BUSINESS IN THE UNITED STATES!!

irecieved a call from them too.....somebody should do something about it....the athorities or someone......GOOD HEAVENS isn`t this USA anymore?????????????????????????

THEY CALLED ME WHEN  I WAS OUT . I CALLED BACK AND TOLD THE FOOL TO BITE ME ...HAW.

This company is EXTREMELY RUDE & DISRESPECTFUL!!! My phone number is listed in the phone book using only my first initial. They are trying to contact my uncle with the same last name & first initial. I have been telling these people for MONTHS that my uncle can NOT and will NEVER be reachable at this number. I just received yet another call from this compnay, from MIKE WARD at ext. 2328. When I explained the situation (again) to him he began YELLING at me and demanding I give him current contact information for my uncle. When I told him I did not have it he accused me of lying because I should have a way to reach my relatives. I said it wasn't my problem if a relative of mine owed money to some collector and that he was never going to be able to close out his case by contacting ME. He said he would not remove my number from their database. When I asked to speak to a supervisor he REFUSED. I hung up and tried calling back but MIKE WARD picked up each time and continued to refuse to transfer my call. I called from a different phone using the *67 feature and was able to get their operator on the phone. When I AGAIN asked for a supervisor she transferred me BACK to MIKE WARD. At this point he claimed to have removed me from their files but I still insisted on speaking with a supervisor. He finally agreed, but as he handed the phone off to someone else I heard him say, "Put her on hold. Bi***." When his supervisor finally came on and I told her the entire story, it took me SEVERAL requested before she finally agreed to provide his last name. As I told her, if YOUR company can call me at my home and harass and disturb me when I have nothing to do with your problem, you can at least give me the FULL NAME of the JERK calling me. I WILL pursue any avenues I can to report this RUDE company!!!!!

SOME  COMPANY  CALLED  MR   FROM  THIS  NUMBER  ASKING  IF  I WAS A  ACCOCATE  OF  BRIAN  ADAMS  I  SAID  NO  AND  THEY  HUNG  UP  WHEN  I  ASKED  WHAT  THIS  CALL  WAS  ABOUT    I  CALLED  BACK  THEY  SAID  ACI

SAME  THING  HAPPENED  TO ME  TODAY  THEY  ASKED  IF  I KNEW A  BRIAN  ADAMSI  SAID  NO  AND  THEY  HUNG  UPI  CALLED  BACK  THEY  SAID  THEY  ARE  ACI WHO  ARE  THEY???

someone by the name of mike polina called, at first i had trouble hearing but he thought that i was just not answering he proceeded to call us cowardly for not saying anything( i had a bad connection) said to be a man(referring to husband) and speak up then said he hoped we didnt raise our kids like this, i finally hung up the phone

very rude, demanding, a-holes.  They try calling at work, relatives, etc.  what can be done to stop it?

This morning my son aswered the phone and a lady asked to talked with Lauren. When my son (9) told her that in his house there is not any Lauren this lady told him to talk immediately with his dad because she will call the police.
I found out my son desperate and crying beside the phone. I spent more than one hour to keep him quite and under control. I will file a report to the police and a complain to the State Attorney of NY against people that called from this phone number: 716-580-6105.

My parents got a call agressively looking for my in-laws. A return call got nowhere with rude "associates". Not sure what this is or why they are doing this but it's bogus. Anyone know if these people are running a scam of some sort? It appears that these people have direct access to phone bills or some type of info that connects family members. Anything we can do to stop these types. Count me in.

I get calls almost daily for someone who does not live at my address.

This is a number for ACI Collection Agency.
http://www.acicollects.com/