I get a call every day despite being on the do not call registry. It's Health Care Recoveries, saying they may be able to get a medical bill from Highlands Medical Center paid off for you. Since I've never been to Highland Medical Center, I'm not sure how I got on their list. Names and numbers given all lead to other voice mails. Tonya Nathan first, who said if it's an emergency contact Evelyn Delgato at 8660451-5795. Just another voice mail there. Always, they want me to input my phone number, which I will not do, to leave a mesage. Scum, Scam, Need to get decent work and stop this.

OK TIME TO STOP THIS GARBAGE!!!!

NEVER PAY A COLLECTION COMPANY IT VALIDATES THE DEBT AND IT WILL RESET THE STATUTES OF LIMITATIONS ON THE DEBT! NEVER EVER PAY THEM AND NEVER EVER GIVE THEM POST DATED CHECKS!!!

IF A COLLECTION COMPANY CALLS YOU AND THEIR MOUTH IS MOVING THEY ARE LYING!!!!!

For your free annual credit reports         https://www.annualcreditreport.com/cra/index.jsp

For your free credit score           http://www.creditkarma.com/

State statutes of limitations for credit card debt.     http://www.creditcards.com/credit-card-news/c ... ations-1282.php

How to  repair my credit on my own.     http://www.creditinfocenter.com/repair/Repair.shtml

How to Sue your creditors.     http://www.creditinfocenter.com/eBooks/PoorMansClassActionLawsuit.shtml

How credit validation works           http://credit.about.com/od/debtcollection/qt/debtvalidation.htm

I am in no way telling you that you should not pay your debt but you should not be harassed by these people either

(AFTER I LEARNED WHAT TO DO I GOT TO THE POINT WHERE I LOOKED FORWARD TO THEIR CALLS!)

A small claims court case is vary easy to file and even funner to collect (You may file in your area because they are doing business there!)

Stop running and do something about this it is FREE and easy to learn. If they break the law you can sue them for up to $1000 per time and if it becomes where they will not stop ETC it becomes a criminal problem for them or a civil matter and they could end up in "JAIL"

P.S. IMPORTANT (RECORD ALL OF YOUR CALLS AND TELL THEM SO WHEN THEY CALL THAT YOU ARE RECORDING THEM AND YOU INTEND TO USE THEM IN COURT!)

Good luck I hope this helps having someone on your side. They need to do things right be nice or get another job!

   Copy fo Ceas and Desist letter replies to OK TIME TO STOP THIS GARBAGE!!!!
   
   Cease and Desist

   Date

   Your Name
   Address
   City, State Zip


   Debt Collector?s Name
   Address
   City, State Zip

   Re: Account Number

   Dear Debt Collector:
   Pursuant to my rights under federal debt collection laws, This will serve as your legal notice that you cease and desist any and all collection activities and communication with me, as well as my family and friends, or anyone else in relation to this and all other alleged debts you claim I owe.
   You are also notified that should any adverse information be placed against my credit reports, appropriate actions will be taken under the federal Fair Credit Reporting Act
   You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the [your state here] Attorney General?s office. Civil and criminal claims will be pursued.
   Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.
   Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.

   Sincerely,

       


Credit Dispute Letter!
 
       (Your Name)
       (Your address)
       (Your City State Zip)

       (Name of Collection Company)
       (Address of Collection Company)
       (City State Zip of Collection Company)

       Mailing address of Collection Company
       (P.O. Box or address)
       (City State Zip)

       Date: of notice
       Re: Whom they are collecting for
       Account Number
       Collection Account Number

       To Whom It May Concern:
       This letter is being sent to you in response to a notice sent to me on (Date of letter). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
       This is NOT a request for ?verification? or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b).  I respectfully request that
       Please provide me with the following:
       Your offices provide me with competent evidence that I have any legal obligation to pay you.
       Prove to me that you own (Bought) this debt how much paid, date bought, Any supporting documentation, or was it assigned to you.
       What the money you say I owe is for.
       Explain and show me how you calculated what you say I owe.
       Provide me a copy of the (sighed) contract that has me on any papers that show I agreed to pay what you say I owe.
       Provide a verification or copy of any judgment if applicable.
       Identify the original creditor.
       (Prove the Statute of Limitations has not expired on this account!
       Show me that you are licensed to collect in my state.
       Provide me with your license numbers and insurance and Registered Agent.
       At this time I will also inform you that if your offices have reported ?any? inaccurate information to any of the 3 major Credit Bureau?s (Equifax, Experian or TransUnion) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative information is found on any of my credit reports by you, you?re company, or any company that you represent. l not hesitate in protecting my good name and I will bring legal action against you for the following:
       ?Violation of the Fair Credit Reporting Act
       ?Violation of the Fair Debt Collection Practices Act
       ?Defamation of Character
       ? Fraud
       ??Harassment
       Or anything else my attorney feels is appropriate.
       If your offices are able to provide the proper documentation as requested in the following Declaration, (I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.)
       Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
       (If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from your record and my credit file and a copy of such deletion request shall be sent to me immediately. )
       I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit.
       (All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.)
       It would be advisable that you assure that your records are in order before I am forced to take legal action.
       This is an attempt to correct your records; any information obtained shall be used for that purpose.

       Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.
       Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.

       Best Regards,
       Print your name and sign.

OK TIME TO STOP THIS GARBAGE!!!! replies to phil
8 min ago
For your free annual credit reports         https://www.annualcreditreport.com/cra/index.jsp

For your free credit score           http://www.creditkarma.com/

State statutes of limitations for credit card debt.     http://www.creditcards.com/credit-card-news/c ... ations-1282.php

How to  repair my credit on my own.     http://www.creditinfocenter.com/repair/Repair.shtml

How to Sue your creditors.     http://www.creditinfocenter.com/eBooks/PoorMansClassActionLawsuit.shtml

How credit validation works           http://credit.about.com/od/debtcollection/qt/debtvalidation.htm

I am in no way telling you that you should not pay your debt but you should not be harassed by these people either

(AFTER I LEARNED WHAT TO DO I GOT TO THE POINT WHERE I LOOKED FORWARD TO THEIR CALLS!)

A small claims court case is vary easy to file and even funner to collect (You may file in your area because they are doing business there!)

Stop running and do something about this it is FREE and easy to learn. If they break the law you can sue them for up to $500 per time and if it becomes where they will not stop ETC it becomes a criminal problem for them or a civil matter and they could end up in "JAIL"

P.S. IMPORTANT (RECORD ALL OF YOUR CALLS AND TELL THEM SO WHEN THEY CALL THAT YOU ARE RECORDING THEM AND YOU INTEND TO USE THEM IN COURT!)

Good luck I hope this helps having someone on your side. They need to do things right be nice or get another job!

   Copy fo Ceas and Desist letter replies to OK TIME TO STOP THIS GARBAGE!!!!
   3 min ago
   Cease and Desist

   Date

   Your Name
   Address
   City, State Zip


   Debt Collector?s Name
   Address
   City, State Zip

   Re: Account Number

   Dear Debt Collector:
   Pursuant to my rights under federal debt collection laws, This will serve as your legal notice that you cease and desist any and all collection activities and communication with me, as well as my family and friends, or anyone else in relation to this and all other alleged debts you claim I owe.
   You are also notified that should any adverse information be placed against my credit reports, appropriate actions will be taken under the federal Fair Credit Reporting Act
   You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the [your state here] Attorney General?s office. Civil and criminal claims will be pursued.
   Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.
   Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.

   Sincerely,

   Your Name
       Credit Dispute Letter! replies to Copy fo Ceas and Desist letter
       a few seconds ago
       (Your Name)
       (Your address)
       (Your City State Zip)

       (Name of Collection Company)
       (Address of Collection Company)
       (City State Zip of Collection Company)

       Mailing address of Collection Company
       (P.O. Box or address)
       (City State Zip)

       Date: of notice
       Re: Whom they are collecting for
       Account Number
       Collection Account Number

       To Whom It May Concern:
       This letter is being sent to you in response to a notice sent to me on (Date of letter). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
       This is NOT a request for ?verification? or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b).  I respectfully request that
       Please provide me with the following:
       Your offices provide me with competent evidence that I have any legal obligation to pay you.
       Prove to me that you own (Bought) this debt how much paid, date bought, Any supporting documentation, or was it assigned to you.
       What the money you say I owe is for.
       Explain and show me how you calculated what you say I owe.
       Provide me a copy of the (sighed) contract that has me on any papers that show I agreed to pay what you say I owe.
       Provide a verification or copy of any judgment if applicable.
       Identify the original creditor.
       (Prove the Statute of Limitations has not expired on this account!
       Show me that you are licensed to collect in my state.
       Provide me with your license numbers and insurance and Registered Agent.
       At this time I will also inform you that if your offices have reported ?any? inaccurate information to any of the 3 major Credit Bureau?s (Equifax, Experian or TransUnion) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative information is found on any of my credit reports by you, you?re company, or any company that you represent. l not hesitate in protecting my good name and I will bring legal action against you for the following:
       ?Violation of the Fair Credit Reporting Act
       ?Violation of the Fair Debt Collection Practices Act
       ?Defamation of Character
       ? Fraud
       ??Harassment
       Or anything else my attorney feels is appropriate.
       If your offices are able to provide the proper documentation as requested in the following Declaration, (I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.)
       Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
       (If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from your record and my credit file and a copy of such deletion request shall be sent to me immediately. )
       I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit.
       (All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.)
       It would be advisable that you assure that your records are in order before I am forced to take legal action.
       This is an attempt to correct your records; any information obtained shall be used for that purpose.

       Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.
       Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.

       Best Regards,
       Print your name and sign.

Debt collectors from "National Action Financial Services" who spoof their phone number (800-304-8519) to look like a local number (661-454-5557).  Dirtbags.

These scumsuckers use caller ID to spoof their true name and phone numbers.  In my case, they appeared on my phone as "California Call" and the bogus local number of 661-454-5557.  They've called more than once, but this time I answered.  

They are a debt collection agency looking for a deadbeat who had my phone number over 8 years ago.  

After listening to their automated message from "John Mercurio"  I was given the 800 number to call (800-304-8519).  I called and told them to stop calling me because they have the wrong number.  Prior to be connected to a live person their voicemail system identified the company as "National Action Financial Services."

A google search will show you that this company is every bit as dodgy as you could imagine.  It will also give you their address on the Better Busines Bureau website if you want to mail them some coupons for hemorrhoid cream or something.

Anyone who gets calls from spoofed numbers should report it to the FCC.  It's easy to do online, and these dirtbags can be hit with a $10k fine for it.

NAFS National Action Financial Services "John Mercurio"

i have been getting calls from NAFS using a local number -

This caller just hangs up and continues to harass me. May he/she burn in Hell.

I too have been getting the same calls. I just tried calling his home, number disconnected. He's on the run I suppose.

They call my mom's phone and they give a case number.  They are a debt collection agency.   I won't call them with my number because they won't stop bugging.   I'm reporting them to the authorities.

What amazes me is that this 800 number has been reported since 2008 and that they are still in business.  Our government at work?

This "John Macero" (not sure of spelling) has been calling and harassing us for a month and when I finally was able to get to talk to a human and before I could say anything this guy says they are looking for some guys name that I never heard of and when I said "no such person" he said ":we will remove your number" and hung up on me.  Is there a way to report this company for harassing people?

unwanted call  unknown

unwanted call

I dont know who the heck these ppl r but they called and left a message on my answering machine that this is a call from a debt collector! This I know is against the law to just say call back this number its a debt collector, then who ever it is they called knows who ever they are calling for has things in collections, u just cant tell everybody someone elses financial situations! U have to make sure u have the right number first by actually talking to the person who has the debt and verifying u have the right person first!! WTF r these a holes calling for? Does anyone know who they work for or is this another scam job?

Just recieved a message from these idiots.  Some robot saying to return the call immediately.  They say no name to validate who they are calling for and do not state the name of the company.  I called back and your immediately put on hold to wait for a representative, never states the company name at all.  Finally I got a guy who I barely understood since he was mumbling, I believe it was Mr Braun.  I asked what the name of the company was and he mumbled very quickly something I could not understand so I asked again and he did the same thing.  He asked for my name and social....really your calling me!  I will never give my name nor pass out my social.  I have been going through identity theft for the last 2 yrs and these extra calls I'm getting for scams is really on my last nerve.  Fact is by law they have to send written validation of the debt you supposedly owe, if they won't do that ya it's probably a scam.  They are phishing for you to give up more personal info such as social, full name, address, bank acct numbers and credit card numbers.  Report them immediately so they can be stopped!

PLease stop calling me. I'm in contact with everyone I owe, thank u.

Even though this is another old post - never, ever pick up or call these people back to talk to them! They are all scammers and now that they know it's a valid number with someone who is worried about an old debt (real or fake), they know they can keep calling you. Don't try to reason with them, it doesn't work. They know that some people will send money regardless if the debt is owed or not.

Even though this is an old post, if I'm reading then others may be too. Don't send them a recap of the statute - they already know it and it just confirms that they have you worried.  You can actually send them a "drop dead" letter stating not to call you period (regardless of the time).  Check out Clark Howard's web site for an example of this letter. A few years back we had a problem with a collection agency in Virginia (we had actually settled with the main company) threatening to call our neighbors. He was already calling our house and had called me at work once (my boss told him that if he ever called again, he would sue the agency)!!  We looked them up on the internet to get the address, sent a registered-return receipt letter and never heard from them again. With this guy that's calling now, does anyone know the name of the company so  that and the address can be posted?

Panasonic has several models that do it - we absolutely love Panasonic.  Plus, their latest models have built-in call blocking (if I remember correctly up to 30 numbers)!

calls everyday from 8003048519 they say to call back and ask for mr. mercurio and by law they must tell you they are debt collectors. I do not owe money and feel they are scam artists so I do not respond. Hopefully someone can find a way to shut them down.

Yeah, Mr. McCurio or Mr. Mecurial on my phone too. I've had 19 calls since the end of February. I just filed complaint today after realizing this company will not let up.

Just received a  call from this number asking me to call Mr. Mercurio. (800-304-8519)

He didn't ask for anyone specifically..really getting tired of these calls.  How do we stop these people?? He says it's a debt collector.  I don't have any debts..............

NICE TRY.YOU ARE THEM.

HE HE LOL   GIVE ME THE NUMBER ,THAT"s A BRILLIANT IDEA .I JUST INSULT AND CUSS AT THEM.

I too have been repeatedly robo called from this same number.   Saying to call a "Mr. Curio" , regarding a debt collection from National Action Financial Svcs.  I  do not owe anyone any debt or have an outstanding debt. They always try to call when they figure no one would be home or during daytime hours.  When you try to respond to find the nature of the call,  or "press one now" as stated.  I No response. Would can to be done to stop these harrassing automated calls?
I wish I could get ahold of their private numbers....I would like to return the favor.

They are also going by "CCS Group," with a call-back number of 877-660-9274.

They're bottom-feeders, but they attempt to sound oh, so stern. Block'em.

Called them back, young lady was very nice.  Looking for someone not me. She took our number off the list.

My advise for all those affected by this fraudulent company is to go to the FCC website and file a complaint online at http://www.fcc.gov/complaints so that they can have enough proof to take these guys to court. One single complaint might not do much but if all of us file one every time these guys call, the FCC will see the need to do someting about it.
Make sure to register your number (if not yet) in the National Do Not Call list. This will give you the opportunity to document such fact for the FCC in the complaint form.
Make sure to gather all the dates/times, names, etc. you can from those calls you get from National Action Financial Service so that you can provide such information in the FCC form. If you have a phone service like Vonage, you will be able to get digitally (wav) recorded voice mails that you can easily attach to the FCC complaint form as proof of the calls.

they call here everyday , i just called them back got recording then lady came on, looking for someone that does not live here, i told her take my number off the calling list as this is repeated phone call, she said no it is not, I SAID YES IT IS , IT IS DAILY ...REMOVE MY NUMBER NOW AND I HUNG UP