This phone number is for Pinnacle Financial group. They call me numerous times a week from VARIOUS numbers. They're calling to collect for a t-mobile account. Typically when a debt collection company calls you it is via auto dialer. It usually takes a couple of seconds from the time you say hello to the time a rep answers you (the computer is connecting you to a live person.) Which is why you are greeted by silence when you answer. This is usually a dead sign of a collection company. Sometimes the computer drops the call before you are connected. Either way it's irritating. Another dead sign of a collection company is ?I?m calling in regards to a personal business matter.? Debt collection companies do no have to abide by the do not call registry, as they are calling to collect on a balance owed and the registry is to protect people from soliciting or people trying to sell you something. Its stated clearly on the DO Not Call website under More information - Information for Consumers NOT CHARITIES, SURVEY'S POLITICAL CALLS OR DEBT COLLECTORS. BUT collection companies do have to abide by FDCPA Laws and if they have the wrong number and you explain that to them, they are not suppose to continue to call. The FDCPA is also the reason they do not leave messages, as it is against the law for them to do so. I will leave this message on every phone number they call me from.

They're Website:
http://www.pfgservices.com/

It?s getting difficult to keep up with all their phone numbers. So far I have 42 of them!!!! 209-214-6155, 312-957-7311, 316-712-0238, 330-752-1927, 410-779-3599, 479-431-4459, 570-301-6003, 610-295-5284, 612-455-0924, 612-455-0929,612-455-0930, 612-455-0941, 614-335-4143, 651-379-0583, 660-223-0036, 662-553-4099, 706-955-4140, 707-200-4002, 763-746-9049, 781-836-4014, 786-837-7312, 800-513-6852, 800-516-4176, 800-850-1189, 800-868-9265, 814-806-1250, 845-652-5056, 866-398-9098, 877-207-6933, 877-208-4973, 877-209-4163, 877-540-3704, 877-796-2554, 877-796-2561, 877-798-4185, 877-891-2680, 888-850-1189, 916-912-4737, 952-345-5339, 952-358-5916, 952-460-7381

I have had this same phone number call continuously even on the weekends and after 8 pm I have no idea who it is, but it is illegal--- they call my cell phone and refuse to leave a message... I plan to trick them into telling me who it is tomorrow. tell u more later...

How do you report them? They don't respond when I answer the telephone, it's usually dead silence. Creepy when it's late at night and I'm home alone.

Phone #763-746-9049 belongs to Pinnacle Financial Group.  They also use 877-796-2497, 888-228-4840 and 651-379-0579.  I have received calls from all four numbers.  I immediately report them and let my message box fill up so my number will be kicked out of their system.  Hope this will help.

They called twice and left no message.

calls all times of day and late at night have no idea who this is never leaves a message

This is a debt collector.  Pennicle financial group.  Yes they do call all the time day and night and all weekend too.

They call all day and night and never leave a message

they also use 660-223-0036 a recorded message with no call back number.

Pinnacle Financial Group, Inc.
7825 Washington Avenue S
Minneapolis, Minnesota 55439

bs from a pinnacle employee

For one - Pinnacle doees only buys worthless debt - legally uncollectable and they cannot prove anyone is responsible for it.  they are so bad they perjure themselves in court documents every day!  


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

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


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

BB Info on Pinnacale Financial (Debt Collectors)
Business Contact and Profile for Pinnacle Financial Services
Name: Pinnacle Financial Services
Phone: (800) 334-2814
Address: PO Box 4115

Concord, CA 94524-4115
Principal: Mr. Darrine Juve, Owner
Customer Contact: Mr. Mike Raab, Owner - (800) 334-2814
Entity: Corporation
Incorporated: February 2002, MN
Employees: 4
File Open Date: November 2004
TOB Classification: Collection Agencies, Financial Services
BBB Accreditation: Pinnacle Financial Services is not a BBB Accredited business.
Additional DBA Names: Pinnacle Financial Group

Products and Services of Pinnacle Financial Services
This company offers collection services.

Business Management
Additional company management personnel include:
Mr. Tony Michel - Owner

Additional Locations and Phone Numbers
Additional Addresses
7825 Washington Ave S.
Suite 310
Minneapolis, MN  55439

BBB Reliability Report for
Pinnacle Financial ServicesBBB Rating B
Ratings Explanation BBB issues Reliability Reports on all businesses, whether or not they are BBB accredited. If a business is a BBB Accredited Business, it is stated in this report.
Find out more about Pinnacle Financial Services:
BBB Accreditation
BBB Rating
Business Contact and Profile
Products and Services
Business Management
Additional Locations and Phone Numbers
Customer Complaint History
 Government Actions
Advertising Review
BBB Copyright and Reporting Policy

BBB Accreditation
This business is not a BBB Accredited Business.  

BBB Rating for Pinnacle Financial Services
Based on BBB files, Pinnacle Financial Services has a BBB Rating of B.
Reasons for this rating include:
BBB does not have sufficient background information on this business.
Click here for an explanation of BBB Ratings [http://www.bbb.org/business-reviews/ratings/]


Customer Complaint History for Pinnacle Financial Services
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB processed a total of 2 complaints about Pinnacle Financial Services in the last 36 months, our standard reporting period. This complaint concerned was closed
These complaints concerned :
2  regarding Billing or Collection Issues  
1 - Failure to provide itemized billing as requested
1 - Improper collection practices

 
These complaints were closed as:  
2  Resolved  
 2 -  Company resolved the complaint issues. The consumer acknowledged acceptance to BBB.

Government Actions
BBB has no information regarding government actions at this time.

Advertising Review
BBB has no information regarding advertising review at this time.
 
BBB Copyright and Reporting Policy
As a matter of policy, BBB does not endorse any product, service or business.

BBB Reliability Reports are provided solely to assist you in exercising your own best judgment. Information in this BBB Reliability Report is believed reliable, but not guaranteed as to accuracy.

BBB Reliability Reports generally cover a three-year reporting period. BBB Reliability Reports are subject to change at any time.
If you choose to do business with Pinnacle Financial Services, please let them know that you contacted BBB for a BBB Reliability Report.
ID: 60560
Report as of June 23, 2009 14:15
Copyright© 2009 Better Business Bureau

You dummy you cant put your number on the national do not call registery when your in collections!!! The only way to avoid the calls is to pay the bill you idiot!! Me bonson and I like pizza!

Where 'Proving' comes in- is with the credit bureau.
When you buy your credit report- you will get the chance to dispute items. Dispute anything over 7 years old- the credit bureau will remove it and send confirmation within 45 days. If you think a listed item has no proof- dispute it. The bureau will ask the creditor for proof and if it can't provide it- the bureau will remove the entry. This does work well if it is only listed under the collection agency. It only sometimes works if it is the original creditor and they have lost the records.

1 more thing-

Sometimes a collection agency wasn't sent the original paperwork. That is not the issue. The issue is if it is on your credit report or not.

1- It may be too old to be there.

2- Some original creditors will sell the debt but never report to the credit bureau.


If a bill collector is nice enough and a 'mini credit report' is on your file, they will look and see if it is on there. Note- collection agencies normally only pull a mini credit report on you (and this doesn't count as an inquiry that effects your credit score) if you owe over $500 or $1000 and they are trying to determine if you have an open credit line with which to pay the bill they have.

It still pays to go somewhere like experian.com and pay for the 3 bureau report not the recurring membership/credit guard, unless you want it).


Making them PROVE you owe it doesn't help if it is actually on your credit report.

Addendum: If you are the wrong person- tell them. They use skip tracing to try to find the right person.  If they keep calling- report them.


If you get a call at 10pm, tell them what time it is where you are. Where I worked, the computer would act funny and dial the wrong time zone at the wrong time. It was DEFINITELY not on purpose. It was actually a little embarasing. The call often beeps in a reps ear just before the file information comes up. If it happens again- report them.

Sometimes the rep does not know how old the bill is that they are trying to collect. Ask them, it is usually on page 2 or 3 of the computer file.
If it is over 7 years old they can try to collect it, but you can tell them you are going to ignore it, say goodbye and then mail the cease and desist letter.

Pinnacle has bought debts from original creditors or even another collection agency that could not collect it before. It is legal for them to call you between 8am and 9pm, 7 days a week. They may call relatives or friends, but they can't say it is about a debt.

They may call you at work, until you tell them not to call you at work. How many times they can call in a week at home or work varies by state. In some states asking that you not be called at work only lasts for so many business days. Look up your own state collection laws or send the certified cease and desist letter, that covers everyone, everywhere.

They can't yell at you. They caninsinuate that you 'don;t pay your bills',
and other silly things. If they are disrespectful, hang up or tell them that that attitude will not get them a dime.  They can't say legal action will be taken unless they know the original creditor will do this- if they have the debt on consignment- dentists often will sue you- otherwise consignment or bought, you will likely not be sued- it costs way too much.

If the debt is over 7 years old- completely ignore them and do not pay it. It will have disappeared from your credit report and paying it causes it to come back again.

If it is less than 7 years old- check your credit report first. If it is there- pay it, but ask for a settlement. Start at offering 30% of what is owed- sometimes they can go that low. Each type of bill they collect on has a lowest possible settlement and max number of payments you can break it into. The end of the month is a good time to make a negotiation with a bill collector- they are trying to hit a 'monthly goal' and have little time to do it.

They hate taking payments in the mail- because a lot of people will say they will mail it, but never do. Most professional collection agencies will transfer you to another department to make the payment- where the call is recorded. Those employees only take payments and are evaluated on their accuracy only. If you are still uncomfortable making a payment over the phone, ask if they accept Western Union or Money gram. Many do. The mail is pretty slow, the faster they have they payment- they faster this gets updated on your credit report.(30-45 days). Take down the name of the person you spoke to and the time/date.

If you make a payment arrangement- such as "5 monthly payments of $5o" get it in writing. Many collection agencies will send this to you via email if you email them first with permission to communicate about the debt via email.
Otherwise insist on a letter.

Don't be afraid to make a settlement, this does not look as bad on your credit report as it used to. Laws changed in regard to this in order to stimulate the economy. A fair report for a fair payment. You are no longer punished for negotiating, your credit score will improve.

If you are threatened or the agent won't send you a letter, etc, ask for the Compliance Department or a Supervisor. Any reputable agency has a Compliance department- they are the people that monitor reps on the phone to make sure they are folowing the FDCPA.

If this gets you nowhere, then follow previous links to report the agency.
Each violation that is proven is a fine that  starts at $5,000 and goes up from there. Don;t be afraid to tell them you know that.

-Previous Bill Collector- I was one of the nice ones.

NEVER pay a CA without
1: making them PROVE you owe them money.  It's your right, and if they cannot show you the exact papers, or whatever, than legally you are NOT obligated to pay, and they must stop contacting you and cannot report you to the various CRA. and
2: getting something in writing first AND check out the statutes per your state - if it's going to be out of limitations WHY would you pay for it? and if you do pay them, NEVER pay them by personal check, debit/credit card - ONLY with a money order or cashiers bank and DONT use your own bank.  there are a lot of shady companies who take more out and good luck trying to get your money back.

ALSO - the workers at these bottom feeder companys can NOT yell at you, say they will sue you (especially when they know the the original creditor will not do so- but may pay up, and why they continue to say certain items over the phone), threaten you, CALL YOUR EMPLOYER: they are ONLY allowed to call an employer IF they have NO other way to find you in the FIRST place.  Once they have a home phone, cell, etc, they may NOT call anyone else either.  They do this as well ALL THE TIME.  Per the federal law, it's illegal and you are entitled to 1K EACH and EVERY occurence.  It's time to start making them PAY US people.

Even if you pay the original creditor you may still have to provide Proof Of Payment to the collection agency because the original creditor doesn't always update your file

Pinnacle Financial Group and Pinnacle Financial Coorporation is not the same company

Pinnacle doesn't make up accounts.  They are a third party collection agency.  The bills come from the original creditor.

I only pay original creditors I will never pay a collecton agency. that was my rul after paying a collection egncy for a credit card in 1989 and that comoany never forwared the money ton the credit card company and that company up and vanished leaving me to double pay a bill.  My attorey told me that just becuase a debit is in collection we as consumers still has the right to pay the original creditor.   and as for as Pinnacle is concerned pay them $1.00/day every day and they must apply the payments under the fair debit act according to my attorney.  that will make more work for them and it will cost them more money to proccess that payment.

I called that phone number assocated with that address and I was told they do not own any collection agency. but that is who the colection agnecy asnswers the phnones.  something is fishey. and thanks I will be filing a complaint with the FTC.

Pinnacle creates bogus accounts to try to collect a few months ago they called me about an aol account that I never had then cursed me out I then started hanging up as soon as I seen there number on caller ID, then today Jan 2, 2008 Pinnacle claims I owe $44.00 for a Boost Disney phone bill that I never had the phone was under my wifes name not mine. and 2. when I asked for a fax number to fax them the credit card statement the told me fax it to 1-888- eat s***. the manger said I was a liar and a dead beat then hung up.

I am getting tons of hangups from them - I called back on one a week ago and they are definetly fishing - they have a last name and are basically try to fill in the blanks with whomever they can get to pay up irregardless of it really is you.  The woman I spoke with was rude, argumentative and just plain nasty - almost looking for a fight.  Filed FTC complaint and going to block all their numbers that I know. Sending certified letter tomorrow.

They keep calling looking for someone with the same last name as me.

phone rings four times then there is no one there.  No message left

Debt collector for who because I have received phone calls from this number and do not have an account in collections!!!!

I just got off the phone with Pinnacle. I called to pay my bill in collections with them. I did not dispute my bill but when they told me that they were charging me $213.00 I asked for a mailing address and the guys name so that I may confur with my lawyer as I believed that the fee was unjust. He refused to listen to me, kept screaming at me that I owed the money even when I agreed that I owed the collections and a fee just not such a big fee. He hung up on me. I called the originator to who I owed the money and paid them directly and explained the situation that had happen. I also suggested that they not use Pinnacle in the future because their tactics and she agreed. I paid the bill, she will forward it. I thanked her for her kindness.

Do not pay Pinnacle, go back to the original company you owe the debt to. Why make it easy on Pinnacle when they give you such a hard time? As your Debtor to change collection companies, Pinnacle isnt the only one out there and they had no part in my paying my debt, I always intended to just had to have the money first.

Called 4 times in an hour. Only letting it ring 2/3 times then hang up.

annoyed in oh, the DNC list will not help you here - they aren't telemarketers.  Pinnacle is a Collection Agency.  Even if they have you as a wrong number, you'll have to complain per the Fair Debt Collection Practice Act.
================================
If this truly is Pinnacle, then you likely owe money for an outstanding bill.  According to the Fair Debt Collection Practices Act, you can send them notice to cease contacting you via USPS Certified Mail Return Receipt and if they continue to ignore this request then file complaints:

FTC: https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

Minnesota Attorney General: How to file a complaint: http://www.ag.state.mn.us/Consumer/Complaint.asp

(I believe Pinnacle's Corporate Office is in Orlando, Florida)
Florida Attorney General: How to file a complaint: http://myfloridalegal.com/pages.nsf/4492d797d ... 04!OpenDocument

(File complaint with your state's Attorney General's office)

Other phone numbers Pinnacle calls from:
(877) 796-2497    Orlando, Florida ?
(763) 746-9049    St. Paul/Minneapolis, Minnesota area
(651) 379-0579    St. Paul, Minnesota
(612) 455-0929    Minneapolis, Minnesota
When researched online, these numbers belong to:
Pinnacle Financial Group - Debt. collector
Pinnacle Financial Corporation Corporate Office
2611 Technology Dr Ofc
Orlando, FL 32804-8015

Caller ID: Name unknown
Caller: Pinnacle Financial Corporation
Caller Type: Collection Agency

Pinnacle Financial Group/ Nathan Stee- Supervisor
7825 Washington Ave. S., Suite 310
Minneapolis, Minnesota, 55439
Phone:  612-455-0930
Fax:  888-271-2089

====================================================
TITLE VIII - DEBT COLLECTION PRACTICES [Fair Debt Collection Practices Act]

§ 805.  Communication in connection with debt collection   [15 USC 1692c]

(c) CEASING COMMUNICATION.  If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --

   (1) to advise the consumer that the debt collector's further efforts are being terminated;

   (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or

   (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm