Dominion Law Firm keeps calling me about an "outstanding account."  They refuse to give me any information about this "outstanding account" unless I give them my social security number.  Not going to happen.  I have no outstanding debts. I pay my bills every month.  At first I thought they were crooks trolling for personal information.  Now, I don't have a clue why they are calling me.  They must have the wrong number and I'll have to report them and hopefully get them to leave me alone.

Follow the steps in what you need to know...

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
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Where to file complaints:
your state attorney general (and theirs) and the CFB,FTC

https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/

I joined American Family Fitness and soon after realized that I could not participate in the majority of the classes and weights due to a health issue.  My doctor specifically wrote a letter to cancel the membership as stated in the Terms and Conditions of the contract and I cancelled my membership (within a week).  The collection agencies started calling me about six months later and actually said they (collectors) knew more than my doctor.   Really?  What medical school did they attend?  Where did they do their internship?   Do they in fact, have a degree?   Yeah!  Vultures is putting it mildly.  

Harassing me by cell phone ...never leavrs a message.

They keep asking for someone who has never had this number.

It has gone on for 2.5 years now!

A couple of times they have asked for Personal Identification information, e.g., my birthdate, my SSN, etc. to "verify" that I am not the person they are seeking.

I have not provided the information.  I simply don't answer my phone now when this number comes up.  This feels like a criminal activity (identify theft) ring at this point.

Honestly, the ICC & FBI probably ought to be involved, and not just the local DA.

IH, the laws are clear on this sort of thing. You need to see the articles over on the left side bar how to handle these types of calls. Be careful, there are a lot of extortion scams going on now!


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."
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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.
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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/
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
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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Did you go to court and what happened if you dont mind me asking cuz I'm going through the same thing

Pender and Coward is legit. Dominion is primarily collection, but they are lawyers. They will sue if they think you have money or an income they can garnish. They do not purchase the accounts, they sue on behalf of the original creditors. If they know you don't have money they won't waste any time or money taking you to court.

If you don't answer, there should be a voice mail with instructions on how to get the number removed. If it is cumbersome, or you are on hold for a long time, file a complaint with the CFPB. if they divulge private info about you, keep the recording and see a consumer lawyer.

They are physically located in Virginia Beach.

Every day - calls calls calls - but never a message!!!! I don't get, if you owe most people money, they sure as h_ _ _ leave you a message!

4673 arsenal circle Radford Va 24141 Mail me info.set up payment

We know who you are and where you keep your money.

I keep getting calls from Dominion Law Associates 757-446-7540. Sometimes the name appears in my caller ID, usually just the number....but there is never a message left.

These people are constantly calling, we don't answer since we have great credit.  It's quite annoying, but joke's on them since we never answer.

Keep getting calls from this number but no messages. Why can't they leave me alone?!!!

If you call a number that has been disconnected or is no longer in service you will hear 3 short tones, "doo...dah...dee", thanks to Ma-Bell.... Guess what the Collectors' software does when it detects these 3 tones at the beginning of your outgoing message? It thinks it has reached a line that is disconnected or is no longer in service. So, it disconnects and does not log your phone number as a working number.

http://www.payphone-directory.org/sounds.html

http://www.payphone-directory.org/sounds/wav/bell/disconnected.wav

Just record the 3 tones at the beginning of this wav/mp3 file. Pause for a little bit then record your normal voicemail message.

This is best for landlines & simple Cell phones. If you have a Smartphone you can download apps to block any number you want.

Sounds like you've had your fair share of dealings with these companies, must be a pretty big dead beat to have met all these collectors.

Got a call a couple times this week from this number, no message. Called back, it was the law offices of dominion.

These people at dominion law keep calling us even though they are looking for someone else to collect
money from, we have called them more than once and told them we are not the people they are looking for.  They even had the nerve to ask me what the person's new number is?  As though I am supposed to know!?!?!?!?!  They will not stop!  My patience with this is at an end.

They call all the time and it is not for me. I have no idea why they would call me.

We also are not the people that they are trying to collect the debt from, but they keep robocalling us, despite our email and phone pleas to leave us alone.

These people keep calling us even though we are not the people that they are trying to collect a debt from

This is a church and we keep getting phone calls and when we try to return the calls
we are always left on hold.  They say they are calling for someone by the name of .........Martin.
Can never make out first name.  We DON'T have a Martin here on staff and NO way of
making the phone calls stop!!!

They keep on calling my home phone # when I am not at home. They never leave a message. I really don't know what they want.

These are unethical collectors.  They call multiple times per day by computer.  They start at 8:00 am.  They accepted a percentage (75%) of a bill to settle their claim and then changed their mind and wanted the entire amount.  Get everything in writing from them first before sending money.  Do Not trust their operators.

another bunck of scum suckers....idiots don`t know yet i won`t be intimitated......sayes they are hired by fia card services [bank of america] bank of america took bail out money,wrote off the loan,now i don`t owe anything.....i`ll treat dominion law associates like i would any loan shark and it won`t be with respect...........

CALLS AND HANGS UP

a** holes called today didn`t leave message [ i had awsm. off]  dominion law assoc. also known as pender and cowards, pieces of s**t , debt collectors , if they call you TELL [don`t ask ] THEM DO NOT CALL OR MAKE ANY CONTACT WHAT SO EVER OR I WILL SUE YOU . if they do contact you get an attorney and sue them these bastards will try to harress you make you feel guilty so you will pay them to stop calling .you may have owed the credit card co, and they bought the debt ,hell thats their tough luck , that m akes them dummer than the credit card co.

Who are these people?  Are they legitimate or just trying to steal money?

a** holes called today didn`t leave message [ i had awsm. off]  dominion law assoc. also known as pender and cowards, pieces of s*** , debt collectors , if they call you TELL [don`t ask ] THEM DO NOT CALL OR MAKE ANY CONTACT WHAT SO EVER OR I WILL SUE YOU . if they do contact you get an attorney and sue them these b*****ds will try to harress you make you feel guilty so you will pay them to stop calling .you may have owed the credit card co, and they bought the debt ,hell thats their tough luck , that m akes them dummer than the credit card co.

I keep getting calls from Dominion Law firm... first I got a warrant that summons me to court on 1-25-2011.  It stated that I did not have to appear if I did not want to.  I don't doubt that I our this debt collector money... I have a financial consultant that is managing my debt... They can not get in touch with them as well.  But I keep getting calls but no message is left. When I call back, it puts me on hold.  I have wait nearly 2 1/2 hours from 4 phone calls that I have made to this number.  Well, I will just wait until Court date and I will express to the Judge that this is a piss poor company to not to answer calls or to get back with a customer to possible make settlement to their firm... gone...John