800-347-8209
Pat
Pat
2012-08-29 13:40:17
Unknown
I picked up the phone and they said "this call is being recorded. Can I speak to (my first name)."  I said, not if you're going to record this call.  She said "I'll call back."  I have no outstanding student loans (as mentioned in a post below) and no debt that should be in collection.  I told her not to bother calling back if she was going to always record the call.  I can't believe they expect people to fork over information while being recorded to someone who won't even identify themselves.  They did not give me a number to call back.
Megan
Megan
2012-07-19 18:22:21
Debt Collector
I've received multiple calls from this phone number, asking for me by my maiden name.  The woman who left the message said that she's from the internal revenue service and that I owe over $5,000.
K. Haller
K. Haller
2012-06-03 17:37:16
Debt Collector
My husband and I have had our current phone number since 10-11. Since then, we have literally received 100's of calls for "Linda Gross" and other members of her family. They have been reported to the Minnesota State Attorneys office 3 separate times!!!!  Starting last week, the calls have come back-unbelieveable!!!!! What a hassle for us-especially for me as I am handicapped. How can I ever stop them from calling.  They are obviously very stupid and what a waste of time and money for their company.
Jeny
Jeny
2012-02-08 16:37:01
Unknown
They called me wanting to verify my husbands employment.  I knew it was wrong because he hadn't applied for anything resently.
Annoyed
Annoyed
2011-11-12 20:30:46
Unknown
For nearly a year I have been receiving strange calls from various numbers. I used to answer them, now I don't. They never had my name or information correct and rarely spoke English. I have recently gotten many calls, back to back, early in the morning or very late at night. I am under the suspicion that cell phone companies are selling numbers to telemarketers. I've spoken to many of my friends, they do not have this issue because they are not under a VERIZON plan - the ones who are swith Verizon do get calls and texts. Here are some numbers that have been calling me - mind you that I have  no debt, loans or credit cards, bizarre huh? The less you answer/text them to stop the less they call. Reporting the numbers to the phone company does help some.

91961 -  646-843-625 -  987-928-2683 - 503-902-8112 -  480-281-2482 - 888-582-3359 - 800-347-8209  

480-718-8063 - 757-209-2008 - 406-426-3092
Charles
Charles
2011-10-24 12:48:44
Unknown
Received a call from 800-347-8209 (10/24/11) looking for someone by the name Tyrone Martin. When I told the person who called that I was not this individual and I've had this number for over 6 years, she abruptly cut me off and said "I will have the number removed".

The crazy thing about this is, over the last two years I have continually received calls from various companies/agencies requesting to speak with this Tyrone Martin. And in each occasion someone assured me that my phone number would be removed from their database.
Bob Walton
Bob Walton
2011-10-01 10:30:55
Unknown
Thanks for the well-written, informative article.
W Sullivan
W Sullivan
2011-07-11 18:26:03
Unknown
Received call asking for person who does not nor ever has lived here . Called them  ... No satisfaction. Reporting them.
.GiG
.GiG
2011-06-06 23:05:32
Unknown
Tell them on the next call that they have the correct info and that YOU will get a lawyer and seek legal action.
Then start a log of all calls, dates and times.
Nicksy
Nicksy
2011-06-06 22:31:28
Unknown
What can you do if you keep getting a call and it isnt your debt - you get the call because you have the same first and last name as the person who owes the money - but the middle initial is different. We gave them the correct name, address and phone # for the person they are looking for but they keep calling.
Jayson
Jayson
2011-06-06 20:57:38
Unknown
i got a call from this #, rena ask for my ex-wifes exhusband. i want to know how my # gor involved. i will be waiting for a answer.email me @  firefighter26939466@yahoo.com


                                       Jayson
LJ
LJ
2011-06-06 20:57:38
Unknown
I got a call claiming they were checking references for some guy I never heard of.  Supposedly this guy has me & my ex-husband listed as his parents (he has a different last name)
Seems my ex-husband got a similar call about a month ago.
This is the second call I've gotten regarding this same guy but I don't have the # for the 1st call.
ann
ann
2011-06-06 20:57:38
Unknown
Called my house, saying they were doing a "reference check" on my sister-in-law. Also called my other brother's house, four states away. Sis-in-law knows nothing about it or why these people are calling her in-laws.
Chris
Chris
2011-02-15 00:29:37
Unknown
I called them back when they said I owed them a bunch of money  They had the wrong social security number and the removed my number from their list.
sunny
sunny
2010-12-17 05:53:45
Unknown
Called my cell phone indicated they were calling about an application made by a mutual friend. Did not identify themselves clearly.  When I called back they asked for personal confidential information about the other person.  Highly unprofessional- bait and switch.
Paul f.
Paul f.
2010-09-29 19:26:01
Unknown
They are a collection agency that is trying to collect on a faulty student loan.  they called my house looking for my looser dead beat neighbor.
Special K
Special K
2010-08-02 15:32:19
Debt Collector
They are General Revenue Corporations they collect on behal fo Sallie Mae student loans. Most cases they are calling to collect a debt and they won't give any more information because of security purposes and folks to be quite honest if they are in debt will not call back a collection agency because they don't have the $$ to pay.
lamet
lamet
2010-06-29 18:03:32
Unknown
THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

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/First.htm    
    
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 2009

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
DA
DA
2010-06-29 18:01:18
Unknown
Caller ID showed 513-605-7448 (OHIO), L/M to call back at 800-347-8209

Didn't identify themselves - gave them nothing. -Said will me list as bad reference?
miker
miker
2010-06-04 20:02:08
Unknown
Got a call early this morning from 513-605-7447 (Caller ID = CINCINNATI OH).  A human left a message: "This message is for <she gave my name>.  Please call 800-347-8209, ask for Ms. xxx, ref number nnnnn.  Please call."  Based on previous posts, and the fact that they wouldn't identify themselves or their business, I didn't call either number.  I've also added an equivalent post to the blog for 800-347-8209.
ann
ann
2009-03-21 03:35:46
Unknown
Amendment to previous post...
The caller ID read 800-537-0873, but they asked me to call 800-347-8209. When they called my other brother's house, they read my sister-in-law's address, phone number, etc, and wanted to know if their information was accurate. We can't figure out how they got my phone number or my other brother's phone number.
jm
jm
2008-04-30 16:19:50
Unknown
Who are these people? Are they legit?
1-559-836-5616 1-865-292-0385 1-202-738-4837
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