Now the FTC has David's IP address, too. That should help.

A man by the name of Vince Wilson (collection agent) calls daily attempting to collect an overdue past debt. (800) 525-2433

This is an unbelievable discussion, Mr Plitter you have no idea what you are talking about but one day you will, I wore your shoes and thought I knew it all; and you will be sitting on the other side of the desk when you least expect it. You will wake up one day and think oh my goodness, I should have not been so harsh. Yes I should do my job, but to write and say such horrible judgemental comments, you have not walked in any of our shoes. Here I thought I would be working at my job for years, retire and live a good life. And one day something happened, and my life changed and yes I had a savings but my health  prevented me from doing what I needed to do to perform my job, and now I am in dire straights, my husband and I struggle. We do what we can to survive, I am doing all I can to keep a float by the Grace of God, my mothers estate will settle soon and I will be able to hopefully pay off my debts accrued after my health failed me but before you start with your ugly comments you better think twice before you sound off. You never know what God might do to you, he might strike you down with a stroke or a heart attack or a little bit of life threatening cancer and take you down for a while then what will you have to say for yourself...Be careful what you say all of you advocates for debt collectors and judgemental comments!!!

Hey can you just post Arm's business address ? Thanks in advance

Wow gotta love the heated debates going on here. My only beef is that they call from an unknown number. I answer nearly every time. They ask to speak to me. When I say "this is" they hang up. Everytime. The only time I didn't answer was the only way I got the phone number. How can I pay for something if I can't get the person on the phone?

I keep receiving  calls from this company regarding my son's wife.  I repeatedly tell them to remove my number from their files, to no avail.  My son and his wife used to live next door, but after they moved, I have not talked to them in about six months.  I have informed these people of this info, and they still call.  My credit score is over 800, and I pay my bills, so I detest having to deal with other's debt problems.

It's funny how they leave voicemails with scare tactics. I just flat out ignore their calls because theyre SCUMBAGS. Even If I'm in debt, I ain't paying them s*** from my hard working money that I live off of. Report these a**holes as much as you can. If they ever decide to take me to court, I'll make sure their company goes out of business the follow day.

called unknown

F*** DAVID I NEVER TAKE HIS CALLS!!!

thanks?

collections agencies are like any other business, they hire people to work. the good ones stay and make $$ the non performers get the boot. BUT regardless of who is calling you for money YOU owe. its not about them, its about YOU and what YOU borrowed. using your logic cops shouldnt pull you over because they speed ion their personal cars, right?? GET REAL. Dont like the calls, either dont borrow or PAY YOUR BILLS

800-525-2433  ALTERNATIVE RECOVERY MANAGEMENT - A COLLECTION AGENCY

this was an attempt to collect an old medical bill - very aggressive collection agency will call all your contacts to collect - very sneaky - you need to report them.

I don't know who this Ross is,,, but he called my friends and knew thing about my family that pissed me off, I have not talk to him yet but I plan on calling ...

Why do you say, they fool people in to paying ??

I just got a call from 1800-525-2433 X 103..They say I owe money I do not..Go figures!

Collection agencies hirer anybody, you dont need an education to work for a collection agency. Most of the collectors have the same amount of debt as any other person, if not more.

Why would people say pay your bills and and they wont call different people have different situations, maybe your making 80K a year and then you get laid off some people have no choice, You dont know that may happen to you.

These people called me and left a message saying they were an actual legal office representing a client. I called them back only to quickly figure out they were nothing but scum sucking bottom feeders. I got the information from them regarding the debt and called the company they stated the debt was stemming from. The company knows nothing of the debt and claims to not even use this agency for collection services. After a little more research I discovered the company, ID'd over the phone as "ARM", is a "garbage debt" mining company that attempts to collect debts from accounts that are usually not collectible by the original debtor. The reasons they are no longer collectible is that they were paid (even if late), written off as a loss when filing tax's, etc.

The person I spoke with on the phone when I called back became extremely upset when I called their bluff and hung up on me. Very unprofessional and obvious to all of us when we experience this that they know the debt is not legit.

Do not do business with this company. They are giving a misrepresentation when identifying themselves. They are extremely rude.

If you do business with them they should be able to submit all relevant information (e.g. original bill) to you without hesitation. If they don't and put the collection on your credit report you can have it removed by challenging it. Tell the credit agency the debt is not legitimate (only if it isn't, don't be like the scum this blog is about) and the collection agency was unable to produce the original bill. If they cannot prove to the credit agency the debt is legitimate then it will be removed.

yes they can keep calling but a statute of limitations can negate any legal action that they might take.

not everyone had the intention of running up debt a** hat...injuries/sickness and other issues happen in peoples lives.

Hospitals and insurance companies are the worst. They actually want you to PAY for medical care. Geez!

And insurance companies? Don't get me started. They want to make a profit. Wow! Of all the honorable things to do with your life - making a profit off someone's health. Who dreamed of that when they were a child?

"Hi, Billie. What do you want to do when you grow up?"

"I want to take people's money and when they get real sick and need a doctor, I'm going to use that money to go on a cruise."

"What about the hospitals that make them feel better? How will the get paid?"

"David P. Or limp dick scumbags like him. They will harass the sick and disabled b*****ds until they pay - or commit suicide. I've got it allll worked out!"

David P is a prick....but not much of one.

There's more than one way to get into debt. Like for example being involved in a motorcycle accident, lifelighted to a hospital, then going through a lengthy court case because your health insurance has decided you cost too much money so they shouldn't have to pay. Just sayin.

Why not. Thi country is on the same program. The national debt is over 3trillion dollars. Call them and tell them the same.

i have been in the collections industry 15 years. Never been sued, because I know and follow the law. Again here's my point. IF YOU LIVE WITHIN YOUR MEANS. IF YOU PAY YOUR BILLS. IF YOU DONT OVEREXTEND YOURSELF TRYING TO ACT LIKE YOURE RICH BECAUSE OF YOUR $800 PER MONTH CAR NOTE OR YOUR MACY'S CREDIT CARD, COLLECTORS WILL NOT CAL YOU.

Stop making excuses and take responsibility for your actions. THE COLLECTOR DIDNT MAKE YOU BORROW THE $$ TO BUY THAT OVERPRICED CAR. THE COLLECTOR DIDNT FORCE YOU TO GO BUY THE $200 SHOES ON A CREDIT CARD. You made that choice. Now its time to pay the piper.....

so its jens fault that you rack up debt and file bk?? or that youre stupid enough to buy a crap timeshare membership?? grow up

loan officers are scammers. they dont get paid unles the scam somone into signuing the contract. and they do this without thought because of greed. most of these hacks can mek $30k on onde deal. not one month ONE DEAL. But hows that the collectors fault?? that the loan officer scammed them for their own greed. get real

ITS ABOUT DEBT COLLECTORS THAT VIOLATE STATE AND FEDERAL LAWS .

YOU CAN BE SUED FOR YOUR ACTIONS -
YOU CAN BE ARRESTED FOR YOUR ACTIONS.

ITS ABOUT IDIOTS LIKE YOU WHO VIOLATE LAWS AS A MATTER OF POLICY - ITS CALLED GRAND LARCENY AND EXTORTION.

There are over 6500 Collection Agencies in the US - yet the only ones you see on this BOARD are JUNK DEBT BUYERS  breaking laws to collect debts that are not legally owed.

its not debtors fault that the banks manipulate them into loans they know people can't repay.  I should know, I was part of the mortgage industry for years and I knew that the LOAN OFFICERS were putting people in loans they couldnt repay.  They told clients to do this and that and dont tell the banks.  Why do you think there are so many law suits these days against mortgage brokers?  Its not the debtors that you should be acting like a 2 year old towards, its the damn money hungry loan consultants who dont give a crap about the clients.  You probably dont truly understand finance, hence your ignorant comments.

How about trying TO PAY BACK MONEY YOU BORROW. Wouldnt that be easier??? I bet if I owed you money, you would want to be paid back?? Grow up. If you cant pay dont borrow. If you borrow pay back. Stop exploiting the law so you can get free merchandize. Maybe creditors should have collectors at the register to prevent you deabeats from getting to the point where debt collectors have to call and remind you to pay for the overpriced chinese made crap you insist on buying. Get real, get a job, get some integirty, teach your kids HONOR. Learn to amange your $$ and live WITHIN your means and the big bad bill collectors wont have a reason to call you.

its illegal to use threats when attempting to collect a debt. THEY ARE SCARE TACTICS ONLY

They want to scare you into paying them without them PROVING you owe the debt..  THEY ARE REQUIRED TO PROVE IT and YOU HAVE THE RIGHT TO DISPUTE IT.

they always claim they are going to sue when they have no intention and they always claim that if they do SUE they will automatically win (wage garnishment etc)  EVEN WHEN THEY HAVE NO PROOF THAT YOU OWE THE DEBT

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE - HANDLE IT CORRECTLY - THEY WILL END UP PAYING YOU!

File complaints as indicated below

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