2011-12-27 02:43:29
Debt Collector
got 2 calls from a JOHN.....no company name......he tried to act like he was a friend......kept asking questions about other people and a company ??? i did not reply to any questions and just hung-up. he was rude and abrupt. he also left a message on our machine. i will start keeping a record of his calls after i tell him to stop calling our number. glad there are rules and guidelines for these folks. thanks for the info.....
Coco Rod
Coco Rod
2011-11-14 19:01:53
Debt Collector
This is a collection company, they do collections for Pacific Dental Group
2011-10-04 03:45:36
Received two calls from this number never left message, third time picked up a woman who spoke Spanish called for somebody if I knew this person,she didn't want to say why, she claimed to call from Oklahoma. When I inquired she got irate and wanted to know why I was the one wanting more info (the nerve!!!). If more calls continue I will report to police as harassing calls.
Bill Hommerding
Bill Hommerding
2011-09-21 18:33:10
Debt Collector
Yhey are calling me looking for somebody that is not at this number (which is a cell phone) and they called my friends looking for which I believed is a voilation of my rights. The Company is United Debt out of Cardiff/Carlsbad, Ca. This is one of many numbers they are operating under.
2011-06-06 20:56:32
I just got a call from 7695090286, I let it go to voicemail bot the left no MSG. Look up the location and it comes fro
vista ca, in San Diego county.
NOT  angelica
NOT  angelica
2011-03-19 19:03:55
Debt Collector
This is just one of many numbers calling me. Some leave messages some don't. My answering machine is full at the end of the day looking for some person named Angelica. I've called all the toll free numbers to tell them to remove me from the list because this is NOT ANGELICA and she never had this number. Next thing I get is same debt collectors NOW calling for an Anthony. They claim they don't search for phone numbers with initials and same last name of person they are looking for, but how else are they getting my number and calling me. I will report them to the trade commision and every other place I can think of to get them to stop. This is bordering on harrassment and it's NOT EVEN ME THEY WANT !!!!
2010-12-03 03:01:18
People call from this number looking for somebody, they didn't wanted to say why, just it was personal matters, personal business, but didn't elaborate.  They call another family member too with the same reasons within the same time, same number with a different name everytime.  They did said that they where from Houston, TX.
2010-03-02 17:32:20
I didn't answer because I didn't recognize the number, but they left about a 2 min message of this song : Sea of Love by the Honeydrippers. Super weird.
2010-02-10 21:37:15

Dealing with Debt Collectors

Statute of Limitations by State ? always double check YOUR OWN STATE Government Website

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website

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

Link to all State Attorney General Websites www.naag.org

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.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0


Dealing with Debt Collectors

Statute of Limitations by State ? always double check YOUR OWN STATE Government Website

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website

From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
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.
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
February 2009
2010-02-10 21:33:02
Debt Collector
Calling for a week. No one is there when you answer. Called number back and got people that would not give any info. Called the number several times and got the business name as "United Recovery Service". They have a web site. They claim they haven't called. Reported as a harassing phone call to sheriff. Sheriff called and said they are headquartered in Houston. Claimed they hadn't called me. Will pursue complaint if they call again.
2010-02-10 00:09:19
This number continues to call me but never leaves a message.  I usually do not answer calls where I do not recognize the number.  This has been going on for about a week - it is getting annoying.  How do I make them stop?
2010-02-08 22:08:59
They called me and told me they were authorized to collect a past debt and that if I didnt pay they would take me to court. When I told her I didnt owe any money to anybody she got agitated and hung up. They didnt say where they were calling from. Kinda strange.
Vista Motorcycle
Vista Motorcycle
2009-12-22 18:08:31
Received call from someone looking for someone who does not work here but is a customer. This person left a name of John Reyes and a calll back number of 866-582-4085 ext.9013. Also left an account and stated that this was personal. This appears to be a scam collection agency.
1-803-265-9898 1-206-456-0661 1-289-892-4221
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