This number keeps calling me all day. three times tonite. It has been so annoying so that my real calls are ignored too.

They find out everything about you. They call your neighbors, relatives { call everyone in your city with the last name } they call the closest dry cleaners, and other such businesses to your house asking about you.
As a protection to your personal info, dont even ever tell your neighbors where you work or even the type of work you do.
I live in TN , I have an adopted brother who lives in CA that I have'nt seen or spoke to in 20 years.
I don't even know if he's still alive. I get regular robo calls from a computer asking if  { name } [ my half brother's name] is at home. Does he live here. Press 1 if yes he lives here. 2 if I don't know the person.
They are calling everyone in the country with the same last name in hopes to get info on him.
Collection agencies are liars, scammers, and criminals. I do mean criminals.
Anyone who breaks the law , the definition of such a person is their a criminal. These places continue to call people after being send a cease and desist letter per the federal fair debt collection practices act.
Continuing to call someone afterward is a violation of that law. Makes them a criminal.

BEWARE !!  Collection Agencies  LIE  !

Collection agency's lie.

They make an offer if you pay a certain one time payment such as 300.00 on a 500.00 bill that they will
cancel / write off the remaining balance since your paying a lump sum settlement payment.
This is a scam. Most people make the agreement over the phone and fail to get it in writing.
BAD , very bad idea.

Getting such deals in writing is the only way. Not getting such a deal in writing will come back to haunt you over and over. They will turn around and sell the reamining 200.00 balance they agreed verbally to cancel, they sell that remaining debt to another collection agency. Sometimes even if you got the deal in writing they still pull the crap.

Never trust a collection agency. Never talk to one on the phone. INSIST, and I mean insist they contact you by mail only or you will not respond to them.
Every word out of a collection agency's mouth is a lie.
Giving your personal info to a voice on the phone that calls you out of the blue is crazy.
You have no proof they are even authorized by the original creditor to collect on the debt.

Request / Demand Validation of the debt. Per the Federal Fair Debt Collection Practices Act you have the right to demand validation.
Do not accept a simple printout from their computer. Demand a copy of the original contract you allegedly signed. Demand copies of the statements from the original creditor. Demand a copy of the assignment of debt where it was assigned to the collection agency. The assignment of debt is sort of like a title to a car.  You would not buy a car / pay for a car without a title to that car.
Assignment of debt forms / letters to the debt  the collection agency is trying to collect on __ you should demand a copy of that assignment of debt.
HOW DO YOU KNOW THAT VOICE ON THE PHONE IS LEGITIMATE. HOW DO YOU KNOW THAT COOLECTION AGENCY IS AUTHORIZED OR HAS A RIGHT TO COLLECT ON THE ALLEGED DEBT.

------>>>> ALWAYS REFER TO THE DEBT AS  " ALLEGED DEBT "  NEVER , admit to anything, on the phone or in writing.

I sympathize with you. The calls where no one is on the line when you answer are called dead air calls and if I'm not mistaken theses type calls are illegal.
The dead air calls is a computer calling to note the times and days of week your home to answer the phone. So when a real collector starts calling you they know which days of the week your home and times of day your home .

Your posting to block those numbers is in vain.
These collection agencies contract with the telelphone company for --VANITY Telephone Numbers.
Thusands on thousands of telephone numbers they uses for one call, an hour, or a day then that number is no longer any good.  Blocking numbers from these scam companies is a futile effort.

CHANGE YOUR TELEPHONE NUMBER and give it  ONLY to closest relatives, your immediate supervisor at work, very closest friends. Tell each person you give the new number to that your being stalked and someone has tried identity theft and to NOT give your new number to anyone under any circumstances.

I sorry that is happening to you. I have had collection agencies after me in the past. I would like to tell you something though. Filing complaints witht eh BBB, who can only take complaints and have absolutely no power to stop them. Filing complaints with the FTC is ok and your right and eventually if your lucky something might be done to the collection agency. You need to understand that the FTC is not your private attorney and does not take cases on a case by case basis. They only go after companies that abuse the laws in a big way. Cases that will get big headlines.
Send the collection agency a CEASE AND DESIST letter by U.S. Mail,make sure you request  Return Receipt Requested so you get a green card back with the company's signature proving they got the letter.
You will need proof in order to sue them. Make sure you DO NOT SIGN THE LETTER. Put in the letter that you demand them to cease and desist calling you, For them to stop calling you or making contact with you in any way including mail, e-mail, or any other form fo communication.. Put in the letter, tell them you are aware of your right's under the Federal Fair Debt Collection Practices Act and will take action if they continue to contact you in any way.

Afterward, if they continue __ keep a log of dates, times, a memo of what was said and the caller i.d. infor from the phone. Call your local attorney bar association and ask about a attorney to sue a debt collector violation the law.

Good Luck my friend

I just got a call from these people at my job. They have never called my house or cell phone, which if this is a legit debt call they would have. How did they even find out where I work? That is scary!!

Can I speak with Mike?
Mike who?
My turban is Dirty....

Keep receiving calls from this place (several months now) after having told them repeatedly that I am not the party they are looking for, and to stop calling me...They're looking for someone named Michael, and unless I've been reincarnated, or am multi-polar, that is not me!

I'm getting one or two calls from this number per day. I ignore them and send them right to voice mail. They never leave a message. I figure if they were a legitimate collection agency they would leave a message, like most do. Plus, last time I had my credit checked I had nothing in collections.

I have received 5 calls from1-800-730-7345 in the last 6 days. The last 3 came today in a span of 3 minutes! They attempt to leave a message but whisper so that they are impossible to hear. I'm never home when they call but I wish they would call when I was so that I could block their number.

they are wanting a person with the last name sable, i tried to tell them that is not my last name

First Source Advantage, based in India.

Calling my hm # looking for some with same last name

I have been receiving calls from (818) 937-4411. I always ignore calls from numbers I don't know, and let them go to the voice mail. I have had FOUR calls in one day from the automated system. The voice messages they left me would instruct me to call them back at 1-800-430-7345. My family members and I have never borrowed loans from any financial institution. We don't owe anyone anything.

I get these all the time; at least several times a week; sometimes several in one day; not always from the same number.  They want someone with my last name but different first name - same initial though.  Since I'm listed that way in the telephone directory I know the computers are generating lists based on public telephone directories.  This should be a violation of "Do Not Call" which I'm registered with; but evidently it's not.  When you try to tell them that they have the wrong number, they repeat the number back to you and it is your number so they have the "correct" number but trying to convince them that you are not the person they are looking for; you don't know the person; you've NEVER known the person is akin to talking to a brick wall.  They have their script (as this is usually outsourced to a foreign country) and they stick to it.  You get one to stop calling; someone else starts --- looking for someone else.  There doesn't seem to be a way to stop it as long as there are people who have the same last name and first initial as me who don't pay their bills.

Same problem. They continue to ask for someone who has never had my tel number, with a completely different first and last name. No matter how many times you insist that you don't know this person, and request they make a note in their records, they continue to call.

I have gotten repeated calls from 1 (800) 430-7345. They first asked if my name was Danielle. It is not. They said they have my address and date of birth on file, but was incorrect so they asked me to correct their information. I refused to and told them not to call me again. They have continued to call.

I received a call from 800-430-7345, from a man who barely spoke English (and was definately reading a script).  He asked for me by first & last name.  When I asked where he was calling from, he had to repeat it twice & I still didn't catch the name of the company.  He then asked if I knew someone by a totally different name.  When I told him I had no idea who that was & asked WHY he was calling me instead of them, he re-read his script and said they were my neighbor and he wanted me to give them a message.  Seriously????  I hung up on him & so far haven't gotten another call.

OK here is a number that will help, comes from North Tonawa NY 716-564-4905 This is there US Numer I work for state Att office.

they keep calling my cell phone

Well this man just called my Mom and is stating that she owes this old bill from 2004-2005 and stating they are a collecting agency but the funny thing is, she never has gotten one piece of mail from these people trying to collect on a bill this old.  They just kept insisting that she give them her a checking account number or a check so they could process this for her and drop her bill from like $500 to $300.  So from what I am reading it appears these people are scam artist and it is all made up.  I am hoping they don't bother to call again because I will block them from my phone.

Just got a call from these jokers, I answered and immediately hung up as usual. They called right back seconds later. I answered and said I'm not interested, F*** you. and hung up. I figured whatever anyone is calling me from an 800# about I'm not interested. If I was interested, I'd call them.

They called and I hung up them 6 more times in the next minute.

I am SERIOUSLY getting furious at these people.  They call our home MULTIPLE times a day and there is NEVER anyone on the other line!   They have been calling for a few months now.  They start calling early in the morning and wake us up and they keep calling right through the evening hours.   I am reporting them to the FTC right now!  This is completely ridiculous!

Congress has passed the Fair Dept Collection Practices Act (FDCPA) you can sue Dept collectors for violating your rights.  to get rid of them send them a letter i.e.

You do not have to deal with anyone other than the company you have the dept with.

google FDCPA


Your Name and address

Firstsource Advantage, Inc
205 Bryant Woods South.
Amhearst, NY 14228
800-430-7345

RE: your account 17xxxxx

January 06, 2011

To Whom it may concern;

This letter shall serve as Notification (according to FDCPA) that I dispute this debt.

Further more I am advising you per FDCPA rules that I want no further calls or any other form of contact from your company regarding (Capitalone, BOA, etc.)

Sicerely,

your name

They call my cell at least once a week, at first i answered their call. They are looking for someone
i don't even know. So now when they call i just open and close my phone.

First Source Advantage - a real scumbag debt collection agency.  Here is a list of known numbers you should block/ignore.

248-556-3023
631-869-4431
716-213-0294
716-213-4578
716-564-4349
716-564-4400
716-564-4905
800-430-7345
800-736-2107
800-741-8860
805-256-7329
862-222-3808
866-276-8306
866-505-5987
866-798-7783
877-541-5741
888-274-6488
888-282-1932
888-737-4871
888-741-8896
888-809-9107
888-872-1566
903-206-4876

Just received a call from this asshat, trying to find information about my predecessor (at work). I don't know the guy, but it's not my business. They've been told 'he doesn't work here' multiple times, and have been told not to call. Filing a complaint with the FTC right now.

REPORT THEM TO THE NY ATTORNEY GENERAL  use this SPECIAL Link  www.NYDebtHelp.com

as well as your own attorney general
Link to all State Attorney General Websites www.naag.org


http://www.consumerjustice.com/consumer/agencydetail.aspx?id=5600
First Source Advantage, LLC  
205 Bryant Woods South
Amherst, New York, 14228

Albert.Dellamea@firstsource.com
www.firstsourceadvantage.com


--------------------------------------------------------------------------------
Phone No.  800-741-8860 888-809-9107 888-741-8896 866-276-8306 716-564-4400 888-737-4871 888-872-1566 716-564-4905 716-564-4905 866-276-8306 INDIA  
Fax 716-564-4440 www.accountsolutionsgroup.com  

  Albert L. DellaMea, President Lance L. DellaMea, Sr VP
 
 

Notes
Junk debt collectors & bottom feeders.  

Aliases Other Locations  
Mumbai, India  



1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

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

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

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


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




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There?s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors ? or if you dispute the legitimacy of a debt ? a debt collector may contact you.

?Time-barred? debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General?s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a ?debt collector? generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt ? or any debt for that matter ? can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don?t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you?ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you?ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again ? except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn?t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney?s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works 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 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. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. 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.
October 2004

They just called me, and I don't know these people from a hole in the ground. Once on a cell, then twice in a minute from the number above. I do know they are also using personal cell phones though. here's one of the numbers.

586-838-2481

From the research I did they are calling me in my area from Michigan, calling from either Detroit or Southfield.