Who are you talking to??????

I got a call from Jade Nobel today.  Says he has been trying to get a hold of me and is from NC  He actually called me rude.  I wasn't rude.  He was

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

That is amazing, Joe! You are having the same problem with yourself?  You ARE Mr. Noble, who do you think you are kidding?  Hate to tell you people but your discussion has been compromised.  This man is Joseph Lee aka Mr. Noble.

Calling for someone who does not live here and they knew that by the message he left.

I work for an answering service, and he called one of our clients who runs a crisis center for sexual assaulted teens. When I asked if this was an emergency, he insisted that it was. I questioned if it really was an emergency and told him that the only emergency calls were from s (wrong area codeWhile trying to reach the client, I googled him and found this. I came back on the line and suggested that he not tell a sexual abuse line that he has an emergency when he is from a collection agency.

He got especially rude, wanted my name, and ordered me to get the contact on the phone. What an arrogant a**hole! His name is now flagged at our service, and we won't even take a message from him in the future.

I'm pretty sure you have the correct address of Mr. Noble the debt collector. You can also pull his debt collector license number along with others that work at CPC here is the list.

Follow-up # 2:
After searching on the internet I found the following information
CPC = Central Portfolio Control
License # 20170007 which is cuurently valid
6640 Shady Oak Road
Suite 300
Eden Prairie, MN 55344
952-944-5440
952-944-1620

Here is a list of all debt collectors registered at the company, many of whom have expired licenses and several of the collectors also have aliases which must be registered with the state:

Full Name License Number License Type
ALI , MONA  20621782  Debt Collector  
ANDERSON , RENISHI  20609455  Debt Collector  
BARRETT , ROBERT  3008747  Debt Collector  
BENAMARA , STEPHANIE  20488250  Debt Collector  
BRUEGGEMAN , JANIE  20347537  Debt Collector  
BURTNESS , DAVID  20434453  Debt Collector  
CABAN , DAVID  20612959  Debt Collector  
CAMPBELL , CHRISTOPHER  20210733  Debt Collector  
CHASE , WILLIAM  20272548  Debt Collector  
CLEMENTS , ALICIA  20494387  Debt Collector
DANIELS , BRITTANY  20622933  Debt Collector  
DAUWALTER , CHANDA  20622935  Debt Collector  
DAVIS , AUBIN  3009278  Debt Collector  
FAHEY , ERIN  20583341  Debt Collector  
FEALY , CHRISTOPHER  20602395  Debt Collector  
FRANKLIN , KATRINA  20624992  Debt Collector  
GARAY , ALVARO  20621281  Debt Collector  
GILLUM , JULIUS  20622939  Debt Collector  
GILLUM , LEROY  20625645  Debt Collector  
GRINDELAND , JAMIE  20367247  Debt Collector  
KEALY , JAMES  20496967  Debt Collector  
LEE , JOSEPH  20613113  Debt Collector  
LESHER , MICHAEL  20490910  Debt Collector  
LIEN , ANDREW  20581642  Debt Collector  
LIU , KAWEI  20299863  Debt Collector  
LOPEZ , EMMANUEL  20624993  Debt Collector  
MACHADO , JOSE  20623201  Debt Collector  
MARKLE , JONATHAN  20117896  Debt Collector  
MILLER , JAY  20617550  Debt Collector  
NOBLE , JADE  20374702  Debt Collector
PATTEN , BRIAN  20602209  Debt Collector  
PLETSCH , WILLIAM  20603543  Debt Collector  
RAYMOND , ERIK  20622834  Debt Collector  
REITER , COLLEEN  20322384  Debt Collector  
REITER , ROBERT  20173680  Debt Collector  
REYNOLDS , DANIELLE  20616839  Debt Collector  
RICHARDS , NANCY  20618659  Debt Collector  
ROGERS , BLAKE  20590148  Debt Collector  
ROSAS , EVA  20613882  Debt Collector  
ROUTS , DANIEL  20587729  Debt Collector  
RUSS , JANNETTE  20616822  Debt Collector  
RUSS , SHANNON  20616803  Debt Collector  
SANTUR , HUSSEIN  20614122  Debt Collector  
SANTUR , RAHMO  20622941  Debt Collector  
SCHNEIDER , JULIE  20621689  Debt Collector  
SLUPE , ALAN  20603551  Debt Collector  
SPLITTSTOESSER , ERIK  20599247  Debt Collector  
STEPHANI , THOMAS  40032967  Debt Collector  
STOEGER , MICHEAL  20517346  Debt Collector  
STOEGER , MICHEAL  20517346  Debt Collector  
THERE ARE SEVERAL MORE COLLECTORS LISTED
This individual or company has at one time had formal administrative action taken against one or more Commerce-issued license(s). For further information please contact Commerce Investigation Unit at 651-296-2488 or 1-800-857-3602 (phone hours 8:00 AM to 4:30 PM CST).

Please, if these people are calling you, whether or not the debt is yours, report them to the above number.  This company is evil.

This person is in fact a debt collector that works for CPC.  He claims that he is a manager.  I have had dealings with this company and this person that says he is a man and they handle business very unprofessionally.  First of all I'm not the debtor yet he spoke to me about a family members debt with complete details and lied that he was given permission from the creditor.  I know the laws and regulations he went against them.  I filed a complaint with the actual creditor and they said they never gave him permission to speak to anyone accept the actual debtor.  He also claims that he has been retained giving the impression that he is a lawyer or works for a law firm when in fact he is just a debt collector who works for CPC.  CPC does have their own lawyer that works in house with them but in fact Noble is not a lawyer.  Be careful with this company they go against the laws and regulations.  File complaints with the necessary BBB and FATC and also file a complaint with "Management" at the company.  Do not believe that when someone answers the 800 number that they are a manager they all say they are until you press them.  They are only account managers like an account representative.  That's not qualified as management.  I pushed them and finally got a real manager on the phone and he was actually MUCH nicer then Mr. Noble.  It appears that the address that you have above could possibly be his real address.  However, it is against the law to harrass a debt collector at there home.  I know I know they think they are allowed to harrass us at our work, home, familiies etc. so why can't we harass them.  Well you just have to think of a more creative way.  Try the creative way instead of the illegal way and see how that works for you.  Best of luck to us all.

get a job...

I'm getting a ton of mail and phone calls concerning this bill collector and this is harrassment.  Whoever is doing this stop!  I am not the Mr. Jade Noble your are looking for.  I have alerted the local authorities of this and the MN Attorney General.  Refrain from anything sent to this address.. thank you.

This does not appear to be a telemarketer.  It appears to be someone representing a collection agency.

It appears this caller may be acting on behalf of:
Central Portfolio Control - a debt collector
6640 Shady Oak Road, Suite 300
Eden Prairie, MN 55344-7710

If you believe they are violating the Fair Debt Collection law, you should file a complaint with your own state Attorney General's office.

A message was left on my voice mail from a James Noble yesterday (8/28/09).  He wanted information on someone who was supposed to be one of my family members.  He left the 800 number but the number on the Caller ID was 9525826070 which is a Minneapolis number.  It appears from the above comments that he is a debt collector, from a law office?????

what happened? did he leave you alone?

This is crazy... I am having the same problem with this man.

Jade R Noble
915 Scott Ln
Belle Plaine, MN 56011-2172

Age: 45-49
Household:  Cynthia J Noble

Yeah, this guy keeps calling me, on a debt of $3100 and is telling me it is $5300. ??? And calls non stop, he is very very rude,uses vulgar language and is just a huge prick. Some how he got two other phone numbers that arnt related to the account in any way...and has contacted a family member that has nothing to do with the account???i need some advise???

Mr Noble is the name he gave me.  He called me at home and then at work the next day.  Not sure how he got my number at work.  I live in the state of Iowa and have contacted the Attorney General?s Office Tom Miller.  This Mr. Noble threatened to call my payroll and have my wages garnished.  A few laws you should know:
http://www.state.ia.us/government/ag/consumer_tips_info/debt_collection.html

Debt Collection
At times you may run into difficulty keeping up with payments on debts. When payments are not made, creditors or debt collection companies may step up their collection efforts by mailing notices, making phone calls and even taking legal action. We all have an obligation to pay valid debts. However, if debt collectors are causing you problems, there are certain legal protections which may help you.

Contacts by Debt Collectors
Debt collectors cannot threaten to contact, or actually contact, your employer, relatives, or friends about your debt except in very limited circumstances. For example, the collector can confirm your employment or address. However, your debts are your business and a debt collector may not tell your family members or co-workers about your debts. If you have an attorney, you can require the debt collector to contact your attorney and stop contacting you personally.
If you receive unwelcome calls from debt collectors at home or work, you should write a letter that clearly tells them not to call and why. It can include information such as that the calls could jeopardize your job, or that repeated calls are harassing you. The letter can also tell the debt collectors how they should reach you, such as only contacting you by mail, at your home address. Send the letter certified mail and keep a copy for your records.
Garnishments
Even though debt collectors threaten garnishment, they cannot actually garnish your wages without first suing you in court and winning a judgment. A debtor can often pay-off or renegotiate the debt before a lawsuit is filed, or before an unpaid judgment has advanced to the garnishment stage.
Keep Written Documentation
Since valid debts should be paid, when the collector does call or write according to your instructions, it is important for you to respond. Instead of handling matters on the phone, we recommend dealing with debt collectors in writing as much as possible. Therefore any agreement for payment is in writing and you have a copy.
Consumer Complaint Form

To request further information or to file a complaint, write to:
Attorney General's Office
Consumer Protection Division
Hoover Building
1305 E. Walnut
Des Moines, IA 50319

Jade Noble is the name he gave saying he worked for CPC, very rude telemarker and would not give you his supervisor. Hang up and he calls back.