I got a call from this number on 2/17. First of all, I don't know anyone from Lancaster, NY, second of all, with the bad luck I've been having with bill collectors/telemarketers, I wasn't gonna answer. I'm sure I'll get more calls from these fools. I remember one time I got a call from that area before. That witch I talked to that day was so flippin rude. Never again!

i received a call from nation recovery ???? 716-651-2250 some man left a message to call and use my phone number as identification.  i din't know who it was, so i did not answer.they left the message and then i deleted it. so much for that!!!

I received a call from this organization leaving a message about a person I do not even know and about "violations" and "ongoing investigations."  Unbelieveable how these people can operate under false operating procedures.  Someone should shut them down.  I am reporting them to the FCC as well as my do not contact complaints.  Maybe when one of these people go to jail, this will stop.

It's a different game when it is your responsibility, you recognize it and handle your business.  It's another when its not and the harrassment is unwarranted.  there are innocent people out there being constantly bothered by these people who fail to do their homework prior to trying to dig in someone's pocket.

If those who do owe are as honest as yourself, that's good, but leave the innocent people alone.

Received a call which was subsequently followed by a letter.  Claims to have a debt from 1986 that was unsettled.  Stated it wasn't going to show on my credit report but I needed to send them close to $4,000.00 to settle a close to $10,000.00 debt that I have never had. Where did they come from all of a sudden and why would they claim an individual had smething from so long ago that they are just now trying to settle?  It upsets me that people in this world are so evil minded that they will prey on anyone to make a profit or gain for them selves.  I hope they burn in hell 'cause that how long its going to be before thy see a penny of my mone!

these jack***es have been harrassing my elderly and sick parents for a while now.  They have always paid their bills on time and have excellent credit so I have no idea where these a***oles got their number from.  They recently called again and the last time they had called I demanded to have in writing the debt that supposedly was owed as the law states.  Funny, when I asked them for proof they said they didn't have the address on file and if I provided the address they would comply.  B***S***!  I reported them to the State Attorney Gerneral's Office and I understand from them that they are being investigated for fraudulent debt collection as well as unnecessary harassment.

I am with you on that.  I have just had them call me and tell me that they are picking me up and carrying me to court in the next two days.  I asked them OK what court house and I will meet you there.  He said he had charges of fraud etc.. Now in my state if there is a warrant for your arrest, you are notified via mail from sherrif's dept. to turn yourself in. And then you are arrained and you place bail.  With this BS they keep spoutin and if they keep calling me on a government phone they are the ones going to get sued and will be losing thieir company.  I already reported them to our security and the number they left on my caller ID was suddenly out of order.  Our security is working on them right now.

We do not have any issues with unpaid bills but this number showed up on our machine with a very arrogant and threatening message stating that they had my name and social security number and that an immediate decision was going to be made on a complaint about us if we did not call back.  The woman who left the message sounded like she was enjoyed leaving the harrasing message.  If bad karma does exist she must have a lot.  I googled the number and the return phone number they left.  It belongs to a credit collection agency which appears to go by two different names: 1st Initial Response Solutions and 1st National Response Solutions.  In fact, when you call their response number the same answering machine uses both of these names.  There are some good forms on the internet which you can mail to them which preserve your rights under federal law just in case there is a legitimate problem and which make require them to communicate with you by mail.

no matter if you are sick on disability or some freak accident happens there is no reason for people to not pay there bills they called me and i called them back like they said and i resolved my debt... this was a  bill i forgot about like 6 years ago i took the card out its MY RESPONSIBILITY to pay how do you go thinking just because its out of stat you dont have to pay?? i think all of you are just trying to get out of paying your bill.. you bought the stuff...  MAN UP....  there is a reason they are calling you  like .com said

We always had great credit. Then my husband got a staff infection in his bone and was disabled for 4 1/2 years before they amputated his leg. I couldn't work, with today's HMOs you basically do your own critical care. I had to stay home and give him IVs every 4 hours, foot and leg soaks every 2 hours. We lived on disability for 4 1/2 years.

I had 3 credit cards with 1 bank, and I was late ONE day on a payment on 1 of the cards, I had ordered something but had not gotten the item or a bill. So they took all 3 cards and jacked up the interest rate from 7% to 30%. Needless to say, living on disability made it impossible to pay an interest rate of 30% on cards that previously were paid in full each month. Now I'm getting calls from 1st Nat., although we only use our home phone for a fax machine, so I haven't actually talked to them, but know now that I will not talk to them and send certitied letters as stated above.

I had 1 collection agency call and want to settle and so I did the check by phone deal........ BIG MISTAKE. A couple years later I got a 1099 form from the creditor. I immediately wrote them a letter and told them they would send in a correction to the IRS or I would report them. They said they didn't do any business with that collection agency anymore and there was no way they could check.  BS!!! But they did send in the correction to the IRS.

oh your making it harder for poeple like me the younger generation to even build out credit stop thinking of yourself GET A JOB better yet get 2 jobs!!!!

why dont you people pay your bills maybe then they wouldnt call you.... ever think of that

So glad you all posted.  I had a rather financially debilitating divorce 11 years ago.  Got a call today from "Lisa West" at 1st Nat. using my old married name.  Huh?  Had it legally changed when the divorce went through.
Same scenario. Regarding a form in their "office" involving my SS# and name.  Funny since thats not my name... and since the ex is in jail it's a pretty safe bet he's not scamming anybody right now. And... we can't say "what this form entails? the fact that she referred to her company as "1st national" only, tripped my sensors. hmmm.. 1st Nat. what?"  So I googled em.  Gonna keep the message on my answering machine, but ignore them unless they get more aggressive.
Annie

I am overwhelmed with these calls on a daily basis.  They asked for different people all the time and insinuates that I know the peoplke they are looking for.

It is frustrating, annoying and bothersome and I want it to stop!

I got a call from 1-716-651-2250 this morning. The message left on my answering machine was vaguely threatening. Something about an investigation regarding my name and social security number, so I needed to contact them. Before I did that, I did a Google Search on the telephone number. And it brought me here.

Like others who have posted here, I have had some financial problems. Mine were brought on by disability. I am so bleeping sick of these bill collectors and their tactics. The debts they're trying to collect on are more than NINE YEARS OLD and ALL OF THEM have already been litigated(I mean, I'm broke, I owe the money, I can't pay it, so I lose in court)! If they've already been through the legal system, how can these idiots try to collect?

I couldn't sleep nights if I worked in collections. Seriously, I couldn't. I reckon it's necessary, but the VAST MAJORITY of people that end up broke got that way from a very bad circumstance.

Our company received a message from 1st National Recovery today regarding someone we don't know.  The name given that they were contacting sounded very common.  I'm not sure what they want, but we will not call them back.  After reading everything here, I can tell that both the person identifying themselves as "s" and "janice from utica" are plants, and pathetic ones, at that.

Our struggle is with putting our number on the "do not call" list.  We've done that probably half a dozen times, and yet we still get junk calls like this, and various telemarketers.

I received a call from this number yesterday, Aug 4 from a woman named Lauren stating that my office has documentation with my name and SS#. I have never received any coorespondence from this 1ST National company and I believe it is bull. I am saving this message and hope that nothing more comes of it.

This is none other than PORTFOLIO RECOVERY ASSOCIATES. aka (866) 940-7640.
Uhhhhh, Busted!

They called my inlaws and left a message today, 3/30/09, that I needed to call with verification of my social security number. They think they're sneaky in finding a number with my husband's name. Retards can't seem to tell the difference between Sr and Jr though. It will do you no good to continue calling my inlaws. My father in law will not be a pleasant person to speak with. My advice is to stop calling the wrong number.

called and gave a case number for me to refer to when calling them back. They said my ss number would be in trouble if I did not call them back. I don't know what their talking about. Sounds like a threat

I received the same call with the same "bull" from 716-651-2250.  One, I have a family member who works for the government and pretty much everything that comes out of their mouth is a lie.  I'm told they read from a script and inform you (the very first time) they've exhausted all their resources and will now pursue legal matters.  One thing you can do is go to the gov do not call website and immediately register your number.  If you are registered, even better.  File a complaint.  The more complaints they receive regarding this telephone, the more of an impact it will make.  If you're just registering your number, you'll need to wait 31 days, otherwise, file your complaints IMMEDIATELY!  Everyone who has posted...do it! You can also keep a record of the calls, a copy of the detail call report of your phone/cell phone record to further be more credible.  For the post from "Janice", she's an obvious employee.  If the creditor is serious, they'll file papers with the local court for a judgement..PERIOD!  They won't come after you & make all the nonsense calls as this company does.  Old claims from old debitors are sold and the new companies that buy them use one of two ways to get the monies back.  1) They'll issue you a new credit card, with a new limit and your available balance will be minus what they bought the debt for 2) They call and indicate they're from a law firm, attorneys office, etc. and try to force you to give in by contacting you, your family members, work, etc.  Remember, it is illegal so you can file a complaint.  Another good thing to so is record your calls.

yes send the divorce decree becuz if your ex is liable and you have that in writing we need to know that.. thanks

Wow,
I got a very official sounding voice mail from Tracey Silversteen (sic?) a mediation officer in the legal department of First National about pending matters in the state of California.
The funny thing was the call was for my little sister that I have not spoken to in years.  At least I know she lives in California, I live on the east coast.
At least now I know not to worry if my little sister needed the message.  If they call back I'll let them know I am a dead end.

What is interesting to me about this company is that i received a call yesterday intended for my brother, who lives on the other side of the country. Some chap named Daryl left a message, and a file number, which i have not yet forwarded on (and really have no intention of forwarding).

I received a second call this morning from the "law Offices of Mitchel & Kay" with a similar format, left a number, and file number (different from the first). It got me thinking that neither sounds really legitimate to me.

I also agree that the lady from utica sounds like a planted message.

Hey Susan you need a lawyer. You might be able to get back the money you sent these scumbags. Check naca.net for lawyers with experience in this area of law. As Alfalfa said it is ILLEGAL for collectors to threaten you with actions they cannot or do not intend to take. Of course if you didnt record this prior phone call you will have a hard time winning. But talk to a lawyer anyway since it is usually free.

From now on know that NO one can garnish you without going to court first. The only exceptions are the IRS and student loans. Even then you must get written notice first and an opportunity to respond. That is called Due Process and it is in the Constitution. Also for anyone getting collection calls on their cellphone know that the TCPA, 47 USC 227, forbids these calls unless you provided that specific number to the original creditor. This includes the recent FCC statement in February regarding this law. You can sue for $500 PER call or you can file a complaint with the FCC and let them handle it (no money for you tho).
Dont let these scumbags run all over you. Fight back!!!

NO!!

Under Federal Law, it is ILLEGAL for a collection agency to threaten you with an action they have NO intention of taking:

§ 807.  False or misleading representations  [15 USC 1962e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

http://www.creditinfocenter.com/legal/FDCPA.shtml#807

Stay OFF the phone and send them a letter demanding validation of the alledged debt they are harassing you about. Send it VIA certified mail and request a return receipt:

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

If they call again, inform them you are recording the call (legal in most states) for the purpose of reporting them to the Federal Trade Commmission and to your State's Attorney General's office for violation of Section 805 (above) of the Fair Debt Collection Practices Act (FDCPA) and hang up.

This company called my sister's in laws parents and said he was a PI and that I had charges filed against me. This man, who would not give his name or the agency in which he worked for, went on to give, what he thought was accurate details about my family. His downfall was that he did not even come close to dates and activity that he thought would SCARE the person he was calling. Nice try butt munch, but not good enough! Little did he know, that I too can do a google search and get phone and name information. This  company works through lies and deceit. No one person especially a collector, has the right to use this kind of deceit. Don't be bullied by anyone like this. Karma has a way of coming back around ten fold.

I received a phone message from a Mr. Morgan of 1st National Recovery, 888-999-7389, asking for a Jeffery Longerbeam.  He gave a case number and urged a return call so he could make recommendations.  No such person lives here.  My machine message gives my last name and it's definitely not Longerbeam.  I guess the guy wasn't listening or is just plain stupid.

They are debt collectors and lie lie lie.

They are lier's and theif's.  They buy debt's for penny's on the dollars.  I just had them call a relative and say they are law enforcment officer's.  Now that is down right dirty and unlawful I think.  I'm disabled and they don't listen to anything you have to say; they think everybody is a lier when in fact they are the lier's. I think that the federal goverment needs to put a stop to these practise's.  Allowing unlawful call's and lie's be tolded.