800-594-7323
donvitogso
donvitogso
2014-06-24 13:14:54
Unknown
umm, you are crazy if you think they have software that can delete YOUR caller ID history in YOUR phone. No such software exists, trust me. They collect debt from Amex, they actually don't purchase the debt but are contracted to collect it for Amex. That way you still owe the full amount to Amex, they just do the dirty work. Less likely to settle with you, will file a suit against you as soon as permissible by law using lawyers in YOUR state of residence which makes it LEGAL. Unless you file bankruptcy BEFORE they file the suit (they research your credit or use Amex's credit data on you, remember if you had an Amex card they had the right to pull your credit as much as they wanted and defaulting doesn't stop that) to assess your bankruptcy risk which if it is high they will file suit as fast as possible. Unless you have nothing of value, and I mean NOTHING they WILL start getting things. Judgment on your house, your personal property and can take possession of such things (Not usually the house tho) like boats, motorcycles, extra cars in your name and the like. It's not a joke nor is it a scam. HOWEVER DO THIS ONE THING RATHER THAN IGNORE THEM: HIRE A CONSUMER ADVOCACY DEBT LAWYER IN YOUR AREA/STATE. They can guide you or take over the case for a VERY reasonable fee and help you through this situation. DO NOT CALL ONE OF THOSE CREDIT COUNSELING PLACES YOU HEAR ON THE RADIO. They work for the CC companies or are owned by them almost always. Good Luck.
SeniorMoment
SeniorMoment
2014-05-20 21:05:08
Unknown
That does seem to be the case.  It also appears that American Express and other off brand cards (meaning not VISA or Master Card) also are a great deal more persistent than does them any good, so I have to assume their strategy for debt collection is intentionally harassment, but I am not saying that as other than speculation based on personal past experience.
Senior Person
Senior Person
2014-05-20 21:02:52
Unknown
Congratulations on making the only realistic decision, but you had little to fear. The smart thing to do is follow the law which is available in your state and federally with different penalties, and sue Zwicker and Associates, P. C. What they are doing is called debtor harassment and some law firms even specialize in it.  I don't recall the specifics but the log you keep as long as you have noted enough and presumably told them not to call, should be enough.  Also if you have a cell phone get the copy of the call records from your carrier to prove the calls.  Even though that may not be necessary, it makes the strongest case. For debt collector harassment which includes calling you at work or odd times of the day and night, as I recall, you can collect $1,000 per call under federal law which means the slow process of federal courts which are generally overworked, or $500 per call under my state's law.

A simpler, less time consuming but not profitable method is as soon as you receive the letter notifying you of a debt collector add all the phone numbers listed on the letter to a cell phone call blocking program.  You can also do that with the first call.  I also use a free app called "Call Filter" to block unknown callers and specific callers.  It may or may not allow leaving messages (I can't recall for sure).  You don't though have to play or respond to the messages from blocked callers if so.

It is a little confusing because first I put all debt collectors in a "Group" with a silent ring (record no sound if no silent ring tone and use that as the ring for the debt collector group and thus all its members.  Then I realized that was unnecessarily harsh because I might accidentally block a caller so it is best if they can leave a message so I can call back those individuals.  Of course I don't bother playing or returning debt collector call messages at all. I now use the "Rejected Caller List" option for all except the calls with no caller ID given.  American Express, Discover, and likely other off brand cards are the most persistent debt collectors but that should not earn them any preferential consideration.  I suspect that when you tell debt collectors you are unemployed they don't care since they assume you will eventually find another job or you are lying.

Be sure to read the IRS booklet on bankruptcy since although I don' think it applies to Chapter 7, it does apply to non-liquidation bankruptcies.  The IRS seems to regard debt discharged by a bankruptcy court as income to you for that tax year, but they do have hardship rules and provisions and as long as people are sincere in paying what they owe they will work with you, but tax bankruptcy is I believe harder on any income and assets and it is a separate process as well.

Debt Collector phone group.  I occasionally combine contacts to reduce the length of the list of debt collectors as the Android phone application allows a lot of numbers to be grouped together.   A naming convention like XDebt  or QDebt followed by other information will keep it out of the way of phone numbers you care about.

In bankruptcy I suggest people notify not only the original debtor which you indicated was American Express, but all subsequent bill collectors who purchased either the debt or the right to settle the debt when you file bankruptcy.  It is better to tell too many than too few people since you might still be on the hook if you miss the true debt owner.

If collectors to leave a message that reveals you have a bad debt to anyone who plays your messages, they are breaking the law regulating collection activity and opening themselves to a lawsuit from you seeking monetary damages.  They cannot tell anyone but you outside of the credit business and official government of your bad debt legally without risking your suit for damages.  You can let someone else who knows of your situation play the messages you know are from bill collectors to make the strongest case.  Collectors can't even tell another member of your family and won't even generally tell your wife even if you live in a community property state, at least until taking legal action which both spouses are respondents in when living in a community property state or involved in the same debt, such as by joint application.  They can't even tell another member of your family.   The most they can really say is something like please call me back I have an important matter to discuss.

At least one very aggressive debtor makes at least $20,000 or more suing debt collectors who try to collect from her.  That requires well ordered records and follow up with court actions and then you are in the same position as the debt collector trying to collect from them if they ignore the court order you obtain.
Senior Person
Senior Person
2014-05-20 20:59:06
Unknown
You are right.  In fact I find it shocking how quickly credit scores return to a normal risk range in spite of defaulted debt still on the credit report.  In fact if you default on your bank's credit card, that doesn't even mean the customer service representative you talk to about something else will even mention it, since in big banks almost each type of loan is a different business operation, even though they may see the defaulted debt in red letters on the list of obligations on the screen.  Probably the only thing that truly wrecks credit ratings is never using any because that gives no information at all on the risk they are taking loaning you money.  That though can be restored quicker than most people think by timely car payments and mortgage payments.  Frankly, looking at my own credit history I wouldn't loan myself money even though there isn't even a bankruptcy in it yet.  Creditors who don't even verify current income are doing themselves and our common economy harm.
Senior Person
Senior Person
2014-05-20 20:50:09
Unknown
They can't make any claim against your social security income or other government benefits as long as you file the proper paperwork with the Court and don't have substantial other assets they could claim.  The government though regulates debt collectors or some wouldn't hesitate to go around breaking bones, etc.  It is not part of the problem per se.
Senior Person
Senior Person
2014-05-20 20:46:56
Unknown
Block the calls.  Even the old land line phones have provision for that.  All that really matters in debt collection is responding to all court actions and pay close attention to your daily mail once the creditor has obtained a judgment in your District Court if the debt is large enough to warrant that expense by them.  When it gets to the stage of enforcing a judgment though you need to be extremely responsive to the court process and claim all of your exemptions.  If the debt is credit card debt the claims may be limited as well, at least their is a chattel mortgage on anything you purchased on the card for two years after the purchase.  Generally lawyers though don't want to be bothered with anything that is not cash, since used goods fall quickly in value.
Senior Person
Senior Person
2014-05-20 20:41:49
Unknown
If you have no bad debts the fact he is calling you suggests his debt is showing on your credit report for the full number of years allowed after last payment, even if it is really someone else's debt.  Sue him but also get a copy of your credit report.  You are entitled to one free copy per year.
Senior Person
Senior Person
2014-05-20 20:39:55
Unknown
I agree because of the laws that protect cell phone users form others imposing costs on them, but it is also easiest to block those calls with a cell phone, at least with an Android smart cell phone anyway.  Just add the numbers to your Reject Caller List (on my phone a left bottom of the screen touch brings up a menu that includes that at least once you create a contact if not otherwise.
Senior Moment
Senior Moment
2014-05-20 20:36:51
Unknown
Cell phone carriers usually provide in their phone application unlimited call blocking as a feature whereas what you describe not only has a one time charge (or did in the past at least) but also (again in past tense) has  finite number of phone numbers you can block.  That is one of the lesser reasons we went with cell phones, but also you can simply screen all calls with a message machine before answering any.
Senior Person
Senior Person
2014-05-20 20:33:56
Unknown
Since you have already filed you should find out in your state for how long they can continue to call.  I presume there is a reasonable time for them to process the bankruptcy internally to respond with a claim for money or not respond and forever lose the chance of any court enforced collection.
Senior Person
Senior Person
2014-05-20 19:03:18
Unknown
Make no payments to any debt collector.  In my state and probably federally, once you make any payment after filing for bankruptcy to a debt collector or any of them along the chain of claimed ownership of the debt it refreshes the debt which then becomes a new post bankruptcy debt, or at least that is what we have been told.  In another state in fact a court held that even if you pay a debt but don't pay it to the legal owner of the debt you have paid nothing.

Also you should evaluate all your combined debt payments and if the 25% of money not needed to meet allowable living costs is less stop paying and let it go to collection.  At least in my own state no entity or person combined other order ordered obligations, except for the IRS can have a claim (providing you apply for the proper exemptions of income when you are taken to a court for collection) can combined seek more than 25% of that technically discretionary income.  For many years we paid more than a judgment could have ever collected involuntarily, but no more.

For senior citizens and others some income, such as Social Security benefits, workers compensation, welfare payments, Food Stamps, subsidized housing cost to government, etc. is statutorily exempt, provided of course you respond to the hearing notice and file the appropriate exemption requests by the court specified deadline.  Most states and the federal government also exempt the pensions of public employees and states have begun to simply statutorily exempt all pension income and assets.  That of course implies your pension plan is defined as such by federal regulations which have several categories of pensions.  If your state is worth anything its court system, has a help site for information on collection laws in your state, as does the federal government and the state's bar association.  There are also federal exemptions that no state can overrule with its own law, such as the Social Security exemption already mentioned, but also civil service pensions, VA benefits, and many other categories of federal payments.

Even if you own your home, which we are upside down on still, our state does not allow any claims against it during the lifetime of either spouse.  In other words in my state and likely others as long as you stay current and mortgage and property taxes with at least minimal property maintenance, your home is yours for life.

A lot of people are paying debts they don't legally have to pay because of what is legally exempt, just in the name of morality, which is not a bad thing, but it is bad if it leaves without means to live or into a pattern of increasing debt.
Carolyn May
Carolyn May
2014-04-30 15:37:27
Unknown
They have been calling me twice a day(EVERY DAY) for at least 2 months, around 8:00am and evening 5:00pm or later.
Sarah
Sarah
2014-04-17 16:02:52
Debt Collector
I'm fairly confident this is a collection agency (edit, I've learned from the comments it's Zwicker & Assoc.), but they won't give you any information even when you answer, they just repeatedly ask for the person they're trying to reach and do not believe you when you tell them they have the wrong number, and then they'll just keep calling.

In my case it's not totally off-base/wrong number, or a same name/mistaken identity, I sort of dated a psychopath (over a year ago) who started giving my number out all over town and apparently a few months ago his AMEX account fell into collections and he associated my name and number with the account. Yay. Fortunately, I don't generally give out my social on the first date, and I'm not the debt holder he just put my info for contact I think, so I'm not concerned about this ruining my credit. I am annoyed as $%^& though.

I've actually explained this to a rep calling from this number, but she made it clear she thinks I'm lying and harboring him and that they are not going to stop calling me, and I could see how one might expect someone who's evading debt collectors to lie, but come on, I'm a 23 year old temp who barely pays rent, googling my name would be enough to tell you no one in their right mind would give me an AMEX, and I mean, you could just look at my facebook friends to see I have no association with the debt holder. Seriously Zwicker, do some cursory research before you harrass people.
Marshall
Marshall
2014-04-01 14:35:05
Debt Collector
They try to call me all the time. Looking for some person over and over.I'm 16 years old -_- i haven't even gotten the age to be able to even have a debt. Lol
Barbara
Barbara
2014-03-27 18:32:47
Unknown
Some sort of tele-marketing scam. Started with letters for "debt consolidation", wanting my SS# to "consolidate" my "debt"(?)  After SEVERAL letters months ago, I responded to a phone # in their letter... Spoke to a very obnoxious Bill Harris who seemed to think I needed to immediately consolidate some astromonicall random amount of debt .... Now getting phone calls as well.  No idea who they are or WHY they think I need their "services".... Blocking their number today!
Alvin
Alvin
2014-03-26 23:46:02
Unknown
Aggressive talk
Dana
Dana
2014-03-18 00:29:04
Debt Collector
They call me twice a day, even on Sundays. It's so damn annoying. They won't leave a message and the one time I did answer, the woman on the other end sounded Asian, with an extremely heavy accent. I told her she had the wrong number, but they keep calling me. I just don't answer and I'm thinking about blocking the number, only problem is they have many different numbers to call me from.
stef
stef
2014-03-04 23:22:21
Unknown
thank you they just called me what can i do
mad as hell
mad as hell
2014-02-25 01:34:11
Unknown
Someone keeps calling my mothers house, asks for my personal, as well as, my contact information. Says he is trying to collect a debt, but will NOT leave any other information except his name is Bill Harris at 800 594 7323 ext 5318. I called him back and got his "paralegal". No information will be given to me about this "debt"
Retired Billed Collector
Retired Billed Collector
2014-02-14 18:56:21
Unknown
Just because someone have a account in collections does not mean they have bad credit... As an collector you should know this if you know how to read credit reports..
innocent bystander
innocent bystander
2014-02-03 15:20:57
Unknown
Unintelligible voice wanting to discuss a personal business matter.
Smart Guy Here
Smart Guy Here
2014-01-29 16:00:41
Unknown
Haha yeah, nobody who makes a living harassing other people would ever wake up early to try and get those commission dollars by doing things against the rules. We live in a moral civilization!!
al
al
2014-01-16 17:19:54
Unknown
Call my home every day
Bill
Bill
2014-01-15 19:50:52
Telemarketer
If you get a call from 800-594-7323 DO NOT GIVE THEM ANY INFORMATION. THIS NUMBER IS LINKED TO IDENTITY THEFT!!
Paige
Paige
2013-12-23 20:37:04
Debt Collector
Called my phone for my relative saying it was a contact number for them. Refused to identify who they were then asked my relation to the relative.  They met a brick wall with me when I told them it wasn't the relative phone number and unless they told me who they were I didn't need to talk to them at all. If there is debt it it 7 years old so they are a bottom barrel debt collector who will use any tactic legal or illegal to get their money!
BOB
BOB
2013-12-04 20:33:04
Debt CollectorCall Type: Debt C
Put my phone on auto block . They can call till hell freezes over total idiots i have no debt. Wrong person maybe i'll sue them ?
Laughing at Zwicker
Laughing at Zwicker
2013-09-12 16:55:09
Debt Collector
Laughing at them.  
Auto-blocked this number which calls every day and leaves no message.
Security Alert
Security Alert
2013-09-12 16:53:21
Debt Collector
Reported this company to FTC for violation of fair credit reporting law.
Rick
Rick
2013-08-29 12:31:17
Debt Collector
Not sure which company is originating these calls but calls at least once everyday. When I do answer, which is less often these days, it appears to be a low life, bottom feeding, slime coated debt collector who has no moral fiber and a snake for a backbone........
true
true
2013-08-01 22:18:36
Unknown
That number is totally rude. He hung up on me.
1-602-753-9903 1-727-565-1371 1-971-223-0632
Call Type:
Comment:
Your name:
Validation:
© WHOSCALL.IN 2011-2024 - Privacy