I' AM RECIVED CALL FROM THIS #18006200371 AND I'DONT UNDERSTAND WHAT ARE THEY TALKINK ABOUT THEY SAID I HAVE TO PAID 32.00 FOR SOMTHING I DONT EVEN KNOW WHAT IS IT THEY SAID THAT THE SEND IT TO AN ADRESS I DON'T EVEN LEVE IT THEY ARE CRACY..

i received a call from them as well. they left a message that they were calling about a very important matter and it was "imperative that i call them back" before close of business today. called back to have my name and number removed from their call list and no answer, just dead air while "waiting for next representative".

Got the same message on my cell phone...called and got the "all circuits are busy" message. I think it is a scam by the cell companies to eat up your airtime....... no self respecting debt collector would have a phone that is never available. I even tried at midnight EDT and got "the message"

I just got this message lesser than five minutes ago. I got the same exact message, and called back just to hear all circuits are busy..so yes its a scam alright! no real debt collecting company other than a radio station will have a busy phone circuit like this. If they're legit and are really trying to collect money, they would have a million lines open and ready...

i get the same recorded message but don't owe anyone any money so don't know what they want.  I hate these loser companies.  The worse is Jon Berry and Associates.

I got a call from them yesterday saying that they had a file on their desk that needed to be resolved immediately, it was a recording that was there and I had answered the phone.  They said that I needed to call 1-800-431-4061 and I knew it was a scam, but called it anyways, to see if I could get any imformation from them and it just said that all circuits were busy.  If they call you back and you have someone live to talk to, ask for their Tax id number and where they are from so that you can check into them with the Better Business Bureau.  That will stop them from calling.  We have done it before and it works like a charm.

Got the same call. Claimed to be " The Jacar Group ", and there was a claim on thier desk and to avoid legal action, call 800-431-4061 mediately . All I get is " all circuits are busy ". Don't know who these guys are and have no intention of playing their game. Thanks for letting me vent ............ John

Somehow they got my cell phone # and called it with the same message everyone else has gotten.  Scam? You bet!

We got the same telephone call this AM on our landline. The VM left was please call this office back to discuss an important matter on the debt you owe. We don't have any outstanding debts!!!  I tried calling the number back and get the same spiel "all circuits are busy". I filed a report with the Federal Trades.  I could barely understand the guy who left a message on our VM. (broken English) BTW the number that came up on our caller id was 91345.

These people call themselves the Jacar Group of Companies, they call me at my desk in my office every day, and will not believe that I am not the man they are looking for.  I feel harassed and want to do something about it but can't.  He hasn't has my phone number in well over a year.  When I ask them to stop, they don't, so every day I tell each person that I am not the man they are looking for, but it does no good.

I too got a call from this number, after reading this messages I sure don't want to call back, the person also said that she's from the jacar group, she has a very heavy accent, like from India. I think her name is Sherlly Brown.
Why do people do this!!

They keep call my phone in a threatening manner and when you call them back the will not tell you anything about the company or why they are calling you. I guess they are a scam.

This company calls my work and says I owe them money and that I need to settle my debt. Grant it that I have debts but they refuse to give me details unless I give them a pymt. Why would I pay someone I don't know? For all I know, I'm paying my creditors and then if I pay this company as well, I could be paying twice (unnecessarily). I don't have a problem paying my debts but I do want to know who they are and what the debt is first before I start giving them my credit card for payment. When I tried to call back a few times, there was a pre-recorded msg that said "all circuits are busy." It makes me wonder whether this company is legit or not....maybe not

I was left a voice message that said to call back this number and "an agent will be able to help resolve this matter". I found their message laughable, seeing as their message wasn't even complete, as if they began their speech as soon as they heard my voice mail greeting begin. Their number showed up on my cell as 91345. They spoke perfect, serous-toned English. Ah, and I'm debt-free myself, so if they're calling as a collection agency, I'm certainly not going to be responsive.

I have got a lot of calls from this number, and every time its the same thing. They say I owe them money and I need to give them my credit card number or bank account number to settle the debt. And I haven't even heard of this company. It definitely is a scam. Please don't fall for what they say.

debt collectors must be licensed in YOUR STATE - if not they cannot collect -  Check your secretary of state website.

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.  THEY CANNOT REFUSE TO DO THIS



Takhar Collection Services, LTD  
202 Beverly Street
Cambridge, Ontario , Canada


www.takhargroup.com/


--------------------------------------------------------------------------------
Phone No.  877-200-4201 866-705-3644 519-622-7100 888-246-3871 NY 800-898-4426 866-408-8299  
Fax 519-622-6411 866-622-6911  


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

I keep receiving a call from this company and I have no collection with them

I have been receiving the same types of calls described by others but the number that was left on my caller ID was 1-800-620-0371.  They said I needed to contact them in regards to so very important business, I called them back 3 times finally got an answer and they were looking for someone else. Its very annoying to be dealing with people like this!

This is total BS these pricks call every 45 mins on the DOT in a demanding voice to call them immidiatly. Dont call em back they can trace you home address! be ware. they keep changing their numbers too!

I also got a VM from some yo-yo in a demanding voice that I return a phone call to 800-620-0371 or go online to takhartgroup.com. I will not return a call to company that can't leave information as to why they are calling.

I got the same message but from a different number, 866-408-8299, Takhartgroup.

They called and left this number 866-408-8299 for me to call back and they stated if I did not return the call they will put something on my file I will not be able to get off.  Then they leave this web site www.takhartgroup.com which makes no sense.  I do not have any collections with this company so they really need to leave me alone.  I will also send the cease and desist to them so hopefully that will help.

Couldn't understand what was being said, the message was garbled in /just/ the right parts so that you couldn't figure out the name of the company (Tacbar Group, is what is sounded like) /or/ the last two didgets of the phone number (again, sounded like 61 to me, after hearing several times).  I have no business with this company, but wanted to be sure that it was not for someone who had had the house before me, so tried to call to tell them to /stop/ calling me.  The number won't work.

first words missed, "resolve the matter call 1-800-431-4061, any agent can help you"

got envelope information 1-515-369-5806, unlisted in Iowa

I got a call that on my voice mailk left this number, but on the actual incoming call it was listed as 212-777-6456, which google searches to an address in New York.  Was a pre-recorded message.  Looks and sounds like a scam to me.  Getting a lot of these lately.

Have gotten several of these calls as of late. Always leave a number to call, then get the message " All Circuits are Busy ". The local police told me to watch the phone bill. Apparently some of these people have a type of phone service that charges the incoming caller 99 cents per call, can be quite a bit more. They don't have to talk to you, just connect. Just my 2 cents

I listed my number on the "Do-Not-Call Registry" years ago, and I rarely if ever get calls from a company who purchased my number from some list company.

I just got a call from these jokers today (800-431-4061).  It's totally a scam.  So I'm going to report them to the FCC.  I urge others who are getting harrassing calls to do the same.  Here's the info:
_______________________________
How to File a Complaint

You can file a complaint by e-mail (fccinfo@fcc.gov), telephone 1-888-CALL-FCC (1-888-225-5322) voice or 1-888-TELL-FCC (1-888-835-5322) TTY, by fax to 1-866-418-0232, via our electronic complaint form at http://esupport.fcc.gov/complaints.htm, or mail. For the FCC to process your complaint you must either fill in the electronic form completely or otherwise indicate:

   *

     your name and address;
   *

     the home phone number where you received the solicitation;
   *

     identification of the individual or company whose products or services were being advertised or sold, and any phone numbers included in the call;
   *

     a description of the call;
   *

     any phone number provided to allow you to ?opt-out? of future calls;
   *

     whether you or anyone else in your household gave the caller express prior permission to call;
   *

     whether you have an EBR with the caller (specifically, whether you or anyone else in your household made any purchases of property, goods, or services from the company that called, or made any inquiry or filed an application with the company prior to receiving the call).

The numbers are bogus. I don't how you verified that they are a legit company, when I just called ten minutes ago. The number they left with a message about a legal matter of collection was to a operator who says all circuits are busy. The 515 number that shows up as INSURANCE on the caller id was called and was also automated asking me if i was interested in their products and services and to leave my info. I did not leave my info, but this is not a legit company.

We got the same telephone call this AM on our landline. The VM left was please call this office back to discuss an important matter on the debt you owe. We don't have any outstanding debts!!!  I tried calling the number back and get the same spiel "all circuits are busy". I filed a report with the Federal Trades.  I could barely understand the guy who left a message on our VM. (borken English) BTW the number that came up on our caller id was 91345.

Just came in from supper and had a VM on AM.  You can not make out what the first 3 or 4 words are, but they said I must call them ASAP, tonight to resolve an issue.  I have tried time after time and all I get is "circuits are busy now"  I have checked and it is not the phone circuits that are busy.  I do not know what in the hell is going on, however, I will be glad when I can talk with those jerks!