I received calls from a man saying he work for Chelsea Associates name Williams white. The said I owe $5000 for a credit card which I knew was a lie. I ask him to send me a letter stating I owe this money he refuse. I think he scam me out of $90 before I found out it's a scam.

Raymond Pal

The caller said she was Elizabeth Harrison from Chelsea & Associates. The number she left was 1/800-449-0097 X 111

Thanks so much for this info. I can now have a little peace of mind. This was beggining to affect me in many ways, including physically since I am a diabetic! The stress was becoming overwhelming! I even consulted an attorney about it. They were causing me problems at work with Admin. escalating all the way up to DHRO! And just today I receved another call here at work, I wish I would have found this info sooner, but I told them I could not take any personal calls or handle any personal matters here, and to stop calling here. That if they had any paperwork to serve me, as they claimed,  to do it at my place of residence, as they already had my address. Not sure just how they obtained all my info. including my work info. but they have it. My attorney actually recommended that I be served in order for him to handle, and see if in fact it was a legitimate matter. Which now I seriously doubt it after reading all the other complaints of these ruthless most obnoxious beings calling to harass!

I just went thru the same thing! They are calling my employer and it is causing me problems! They told me they had my address and read it to me, and in fact they do. I don't see why they can't just serve me at home if they really wanted to, instead of harrassing me at work! I have briefly consulted an attorney and will be getting my credit report soon to seeif this is in fact true since the supposed debt that they are trying to collect is from back in 2001-2010... I also had called them back and they are the ruddest most ruthless people I've ever had to deal with!

The same thing happened to me today.  I recieved a voicemail from someond saying they were from Chelsea and Assoc. and that someone i must know had a case number and that they were a law firm. The guy was a total jerk and was very rude to say the least. The number that they left was 1-800-449-0097. Now I know what to say if they call me again. Thanks!

I been dealing with this place calling my home the company this guy name w. white company name calling is Chelsea associates I do owe a credit card bill with this credit card company. And I have made several payments to this person. But I have stop making payments  because I ran cross this article about this suppose to be a collection company is a  . This person will not send receipts of my payments I am going to report

Chelsea and Associates has added another telephone # 1800-449-0097 ext 111. I call back a man picked up the phone yellow not hello no name of any company name .I  heard everyone talk, laughing ,yelling . I told person that called let me call a lawyer the lawyer said it is a SCAM DON'T LET THEM SCAM U  .

I known people that worked there before and they quit because they are not a real collection agency....it's a scam. They use illegal scare tactics to get people who don't know collections laws to pay them...they are not going to do anything thing to you. Just refuse to pay

I got a letter and a phone call from Chelsea and Associates today. I owe them money from a company I have never heard of. And there was a case number. Can they do this? Can they garnish wages? And put liens on you? I don't have any properties so good luck with that. They called my parents house and I gooogled the phone number and the company name and I came across all these stories of what I am experiencing as well. I'm alittle freaked out because they threatened me with lawyers. I can't afford a lawyer and can't afford to go to court. These people were so rude. I know you can't get arrested for not paying an old debt. It goes on your credit that's all. Do I pay these people? Or report them? This is so nerve racking for me and I feel sick to my stomach because I don't know what they will do next. Any advice would help....thanks!

file a complaint with CFPB and the FTC

Nov 25, 2013, I received a call from Chelsea and Associates, I spoke with Mr. Raymondo Powell. I was confused, how could they want an outrageous amount of money from me, when someone else is saying I owe half that to them? I was given No: 800-449-9955  Fax: 714-975-9955. He asked for my birth date and social. I refused to give either, he said he had it and he gave me my birth date of which I agreed it was, so I'm guessing they have all my information! darn! When I said to him 'I'm in litigation right now for the same account, how is it possible that I owe this guy and you?', this is when he got angry and threatened to put leans on my accounts. I will be reporting him to 'Fair Collections Practices.com' as I did with the previous one. They were able to get that one backed off with his fraudulent statements saying I made a payment I didn't make, and sent me a letter saying it was a scam, I will take that to court with me, that is how far he pushed it, but I have all my records. That person was Larion Krayzman from Kiev Equities in CA. Mine is a Time-Barred-Debt for 11yrs now. (FairCollectionPractices.com)

Yeah, but the commentor heard threats of jail time. You don't need proof from any bum on the phone who wants you to think consumer debt is a crime. You just need to shut him up with a ''cease communication'' notice via USPS Certified with return card. Then sue the creeps for violating your rights.

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

Aged debt can always be "collected by law" unless it's been discharged in court or you live in one of two states with a Statute of Repose. You're getting at Statutes of Limitations, which only make a creditor lawsuit illegal once SoL expires.

Received a letter of litigation from Chelsea and associates for a credit card balance from 10 years ago I told them that I had already paid this card and Mr. Powell said that I had 24hrs to provide proof . The next day when I researched the agency on line I noticed that other people had the same experience I called the place and asked to speak to John Harris legal administrator who conveniently was not available I told Mr.Powell that I would not be making any kind of arraignment with them because it was a scam at that point he became angry and told me he was going to get me for every dime I was worth. I made a police report and filed a complaint with CFBP.

These crazy people called my sister-in-law looking for my husband. She has a different last name than we do and even lives in a different state... so I'm not sure how they got her number. Here is the info they gave:

Kevin Daniels with Chelsea & Assoc Law Firm
800-449-0097
Gave a "case number" for some sort of asset litigation regarding our property

I've looked around online and it seems this is a scam. But I still have no idea how they got my sister-in-law's number.

It's most likely a SPOOFED number idiot!

I received a call from a person stating "Mr. James from Chelsea and associates " they never mentioned an exact address or name other than the phone number which showed on my cell caller id 800-395-7779. The call was harassing in a way that James threatened legal action and that they have a case number already against me and they will put me in jail. I didn't know what this was all about , so I called the number they left and the person that answered starting yelling at me about my attitude when I asked questions about the company information and he threatened to prosecute me and then hung up on me. The scary part they knew everything where I live, my work information, and my cell number and my social security number. I have done little research and found out that other people been harassed as you can see from this links below:
1. http://800notes.com/Phone.aspx/1-800-395-7779/2
2. http://www.bbb.org/los-angeles/business-revie ... ey-ca-100104793
3. http://www.scambook.com/report/view/142225/BAM-Financial-Blackrock-Asset-Management-Complaint-142225-for-$0.00
I have also reconciled the phones numbers from this company and found hundreds of results from 800-395-7779, 949-243-7886, 949-743-2688, 1-800-303-5033 and 714-380-3007 that are connected to the same persons' with different company names such as Chelsea and associates, Bam Financials LLC, Blackrock Asset Management LLC .  I also know that Bam Financials LLC, and Chelsea and associates are located on address 4521 Campus Drive ste 282 Irvine Ca 92612 which turned to be an apartment complex. I have verified the company information with California state Secretary website with  http://kepler.sos.ca.gov/ and received this information:
Entity Name: BAM FINANCIAL, LLC
Entity Number: 201112010296
Date Filed: 02/17/2011
Status: ACTIVE
Jurisdiction: CALIFORNIA
Entity Address: 4521 CAMPUS DR STE 282
Entity City, State, Zip: IRVINE CA 92612
Agent for Service of Process: NATIONAL REGISTERED AGENTS, INC. (C1941323)

I have also verified the information for Blackrock Asset Management LLC and received this result
Entity Name: BLACKROCK ASSET MANAGEMENT LLC
Entity Number: 200907510282
Date Filed: 03/04/2009
Status: CANCELED
Jurisdiction: CALIFORNIA
Entity Address: 9393 EMERY CT STE 6
Entity City, State, Zip: FOUNTAIN VALLEY CA 92708
Agent for Service of Process: LUIS CARRERA
Agent Address: 9393 EMERY CT STE 6
Agent City, State, Zip: FOUNTAIN VALLEY CA 92708
Blackrock Asset Management LLC is on my credit report as a Mortgage lender not a collection agency service and the business is closed. BAM Financial and Blackrock Asset Management have the same phone number of 800-395-7779 and same owner.
This is not acceptable for this company to lie and threaten people to make money. Please help me and protect other citizens from the unfair business practice and illegal calls.

Please file a complaint with the FTC and cfpb and FBI.gov. They are a scam artists. I have filed many complaints so far in regards of this company.

https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2
http://www.consumerfinance.gov/complaint/

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
*******************************
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."
****************************************
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.

Please report this number to the FTC. I have filed a complain and would like all of you to complain as well to the FTC GOV. Please share your story and lets protect each other from these scammers. Please copy and paste the link below to file a complain:
https://www.ftccomplaintassistant.gov/#&panel1-1

so i did my research and i found out that this is not a scam its some firm they collect money that is owed if not take you to court. they give you the last chance in other words.

19497432688 - dummy this isnt a international number, this is a united states area code...look it up

In the case of scamming, all agency's should have complaints filed, that includes your State Attorney General, the FTC and FCC and DOJ..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action

And here's a link for the CFBP..
http://www.consumerfinance.gov/complaint/

This is a scam. If you get a call from this number 800-395-7779 stating you have a case number and will sue you.Just make sure you do not give your information at all and file a complaint with CFBP consumer financial protection bureau.

DO NOT give them info! We all have very similar stories, mine was a "credit card" from Chase. Never opened a card with Chase, contacted Chase, not on my report. "James" represented himself as an attorney which is AGAINST THE LAW  and was very threatening. When I put him in his place he started screaming at me and hung up on me. He called back and said if I didnt pay him half he would have me served. I said THIS IS NOT MY DEBT. I sent him a cease and desist letter certified and will contact the California office. If everyone files a complaint we can stop it!

Harrasing and abusive call similar to the above. Amazing they aren't shut down.

The address on my letter is....
Chelsea & Associates
4521 Campus Drive Suite  282
Irvine, California 92312

Phone (800) 395-7779
Facsimile (714) 975-9955

Thank you for the advice!!   Much appreciated!

Tell them the next time they call your daughter's cell phone they are violating the TCPA for calling it without your consent and you intend to take legal action against them if the calls do not stop.