collectionbully.com    USE IT!

This number keeps calling me 1-800-672-0215.  This is for HSBC.

Apothaker are scum bags.  They buy out charged off debt from major credit card agencies and then sue people who can't afford to pay their bills.  We've been sued three times by these idiots, judgements were served and we still are not paying.  They call and leave a recorded message about every other day and are not willing to work with you.  We don't even answer the phone...just have our ringer set for 1 ring and then it goes into a generic message.  They call at all hours of the day and night too.  

We've contracted a lawyer to take care of them.  I'm sick of the way they treat people who are down on their luck and can't afford to live.  They don't care and are only looking to make a buck.  Good luck to all of you who get these calls...you are not alone.

Oh, don't miss http://www.consumerlitigators.com/25/fair-deb ... tion-violations.  I forgot to paste it above.

I found all I needed to know here:  http://www.consumerlitigators.com/2095/consum ... ation-of-debts/, and I found a lot more here:  http://www.consumerlitigators.com.  These consumer rights attorneys sure know their stuff, and I learned a lot from their easy-to-understand website on consumer law.  Too bad they are not in my state of NY, and apparently only practice in NJ & PA.

"Charged off" is an accounting term. It means that the original creditor wrote the debt off as noncollectable and wrote it off for tax purposes. "Charged off" does not erase the debt that the debtor owes, it just means the original creditor is no longer pursuing payment. The debt can, and often times is, sold to a collection agency. So, if the Statute of Limitations has not run out on your debt, you may still be responsible for it. Sorry, hope it works out well for you.


ref: http://en.wikipedia.org/wiki/Charge-off

Well I heard a vicious rumor that Apothaker sues harmless people over old debts. I called my credit card company and they said my debt was charged off. Apothaker has no right to collect charged off debt. If I could afford to pay, I would. Theres no reason to sue defenseless people on hard times. I cant even afford my cigarettes, cable, phone, internet, by time I pay all my bills I dont have nothing to even go out and have some fun!

These people call 3, 4, 5 times a day!  It's ridiculous and the pre-recorded message always says the same thing "this is an attempt to collect a debt..." and "if you are not [person's name] then hang up and delete this message."  But what they don't say is what exactly this debt is... I am in the process of cleaning-up my credit report, all of which have been contacted and/or paid off already so don't know who this could be.  If its not on my credit report am I still liable for past due debt?

Called saying to call the attorneys at law...even sent letter stating that they are attotneys.

The caller told me that she was from a law firm.  However, when I asked her if she was a "collector," she said "yes."  She told me her return # was 1-800-672-0215. I had to request her extension.  The number on my Caller ID was 856-780-1000.

The woman was very abrupt and short with me.   American Express retained her firm BEFORE 30 days had elapsed from the date I received a letter from an earlier collection firm.  I had responded to that firm's letter within the 30 days it gave me to respond.  My letter should be delivered tomorrow.

The collector wanted me to tell her what I wrote to the prior collection firm.  As I hesitated, she told me that she could find out what I wrote.  I told her to do so.  Because I was not responding the way she desired, she quickly told me she was going to file a lawsuit against me.  Then, she ended the call.

These collectors have ZERO interest why a great-paying customer stops making payment all of a sudden.

Hey Rosie,
I used to be a collector for other agencies. They can threaten all they want to attach your wages or your disabilty or ssi or unemp but the law says no. Now where they can get you is levying you bank account. Kinda ironic, they can't garnish it from a check but they can go into your accounts to get it. My advice, cash and money orders.

i heard they buy up "charged off " credit accounts for pennies on the dollar and then attempt to collect the money.

Wow.

I just found out that they were able to take every single penny I had in my bank, both savings and checking.. Can they do that? I am disabled and the only money I get is my disablility check. Now how am I supposed to pay my medical bills?

A little note of warning I have been sent a summons from Apothaker dont play around with them at some point they will  file a law suit especially if its worth persuing ie high debt.What you need to do is tell them you are recording the conversation very important make sure you let them know you are recording it. you cannot record someone without permission  That way if they talk to you again like that you can sue them.know what your rights are with these bottom feeders. They count on the fact that most  people panic or hand info over to them. they cannot say things that are threanting and no collection unless they are attorneys can threaten law suit . learned this from an attorney. at some point you may need a consumer attorney You are right they dont care I have 4 kids and no job . ps he is a lawyer out of nj

apothaker is a crook

The caller told me that she was from a law firm.  However, when I asked her if she was a "collector," she said "yes."  She told me her return # was 1-800-672-0215. I had to request her extension.

The woman was very abrupt and short with me.  American Express retained her firm BEFORE 30 days had elapsed from the date I received a letter from an earlier collection firm.  I had responded to that firm's letter within the 30 days it gave me to respond.  My letter should be delivered tomorrow.

The collector wanted me to tell her what I wrote to the prior collection firm.  As I hesitated, she told me that she could find out what I wrote. I told her to do so.  Because I was not responding the way she desired, she quickly told me she was going to file a lawsuit against me.  Then, she ended the call.  Big deal.

These collectors have ZERO interest why a great paying customer stops making payment all of a sudden.  Personally, I am unemployed and have zero assets other than an ancient car.

American Express backed me into a corner that I could not get out of - ever!  Time to reset.

Same message as the other comments stated here.Started getting these calls about 2 mos. ago, everyday around 11am.

"By listening to this message, you acknowledge that you are_______________"
Idiots!  How do they know WHO listens to a message they leave on an answering machine??  
They have been told there is no one in the household by that name, yet they continue to call.
A big thank you to the Brainiac who came up with caller I.D.!!

For about a week, I have been receiving calls from this number. Of course, if I don't know you, I'm rejecting the call. They leave a message like: "This message is for ______ _______. If you are not _____ _____ then disregard this message. If you are _____ ______ then by listening to this message you are acknowledging you are ______ _______. This is an attempt to collect a debt. Please call BLAH BLAH BLAH."

Keep trying. Maybe one day someone will get me on the line. HAHAHAHAHA.

keep getting phone call from this company and don't know why don't even know the person he is talking about

I was googling Apothaker & Associates to see what makes them tick. Low and behold I'm starting to pull up cases and docket numbers all filed here in PA for a federal statue on consumer credit. One of the cases has the plaintiff's attorney. I'm sitting here wondering if I should contact the attorney. She did leave a phone number and email. I got positive information here:
http://www.debtconsolidationcare.com/collection-agencies/answer-summons.html

I got the same call.

called saying I'm calling from the Attorneys office of Apothaker and Associates.   Need to call me right away at his number..it is important"

called...saying you better call...this is the attorney calling.... nothing about what he is calling about..... try to make you upset...  why can't they just say what they want...  call right away its important we speak to you today..or else...   maybe they even have the wrong number..did they ever think of that...

It's not a telemarking call - it's from a debt collector   Apothaker & Associates  1341 N Delaware Ave Ste 405  Philadelphia, PA, 19125-4315