calls all the time, no message, rude when they will finally speak.  collection company

Called my work phone number.  I told them that this is a business line and I am not allowed to take personal phone calls and hung up on them.  I'm going to write the number down, and keep track of it.  If they call back again, I'll be able to file a complaint with the FTC.

Got a call from this number, message says it is from Bay Area Credit Services, and it a debt collector.

Call them back and tell them its the wrong # and please do not call

Best way is to be polite they don't want to waste their time on wrong #'s

I get this call at least twice a month. They are looking for a family member. They said that my family member gave them my number and I know darn well my family member would not give out my number as they don't even live in the same state as I live in and they know better. I feel this is a harassment to me as I don't even have bills that are late. When I tell them to remove my # off their list they say they do and within 2 weeks they are calling me again.

I just got a call from this number they claimed they were calling from Comcast and that I had gone over my usage for the month...I have unlimited internet usage.  Then they wanted to know if I had a wireless network and was it secured he even told me what keys I should enter to "protect" my account from unwanted users.

Claims to be giving 2nd notice to prolong my auto's factory warrantee. I know that this is not their true intention, but mine is a prepaid cell, & I'll be damned if they are gonna waste my money. I don't bother listening any further, I just hang up, but they just keep calling several times a day! When my phone rings  & I see that #, I just silence my ringer. My missed phone calls over the last 3 weeks is primarily ALL THEM !!! They have ran my cell battery down by constant calling before!

keep calling and asking for someone who does not live here

Got three calls from these people in a couple of days but don't know what they want. Told me to call back at 1-800-570-7961. Which is a different number than they called.

COLLECTION AGENCY CALL DONT PICK AND DONT PAY THEM A DIME THEY PURCHASE THESE ACCOUNTS FOR PENNIES AND WANT TOP DOLLAR PLUS FEES IF YOU PAY THEM YOU ARE ADMITTING TO THE DEBT TELL THEM NOT TO CALL YOU EVER AGAIN OR DONT PICK UP

Out of the blue I was at work, and a recording called my office phone, and asked for me. I was in shock. I dont even know how they even got my number. Im gonna call them and request that they not call me ever again.

Rec'd call from 800-841-2939.  It was a recording asking for someone I don't know at all.  It says to hang up if you're not that person or hit 1 if you are.  I hit 1 and it went to a new recording saying "this is Mel Winston..." and offeres up an 800# to call or stay on the line for an operator.  I got an operator named "Ryan Jones" and told him that I do not know who the debtor is and to take my # out of thier system.   I have also logged the call and will continue to do so.  I had to do the same thing yesterday but the # that called me was different. 888-454-5482...

This is a debt collector. Do not answer their call. It shows up as their 800 number. Do not pay them.

Getting nurmous calls a week from this number and the name is never the same!

Yeah. : )
All u folks owe $$$$$.
; ))

Got a call on my cell phone from this number twice this month, both times I let it go to voice mail. Both times, voice mail simply had a recording of 'press 1 to speak to a representative'.

If it even IS legit, from what I can tell by previous posts, it is a debt collection agency that I have never heard of, calling me to collect a debt, when I owe NOTHING to ANYBODY.

Anyone that gets a call from this number, I'd suggest doing what has already been suggested: contact an agency that has the authority to investigate this number, and hopefully they'll get shut down.

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY


Bay Area Credit Service
aka/ HOV Financial Services, LLC
fka/ Truelogic Financial Corp
fka/ Genesis Financial Corp.

SAN JOSE  Headquarters
97 E. Brokaw Suite 240*
San Jose, CA 95112

Phones
866-222-2097
408-392-4400
408-392-4485
408-392-4480
866-835-2939
408-392-4600

Fax:
408-392-4520
408-248-7285
408-392-4420   DENVER
10000 E Geddes Ave,
Ste 100
Englewood, CO 80112

Phones
877-337-0290
866-488-4299
877-339-7500

Fax:  
303-265-9544
702-488-4296


 


Websites www.bayareacredit.com  (not updated in years)
sales@bayareacredit.com     Web Owner: www.hovservices.com

ATLANTA
1000 Abernathy Rd.
Building 400, Suite 165
Atlanta, GA 30328
Phone:
800-386-0074
Fax:
770-698-8633
   INDIA
Call Center:
Kilpauk, Chennai
Phones:
800-697-1234
866-471-9387
866-773-9877
800-862-4187
800-454-2227
(Lots more numbers
than published)

Head Collectors

KARAN NEGI, Incorporator

PAR CHADHA , Manager

SUNIL RAJADHYAKSHA, Manager



--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Bay Area Credit Service was purchased by HOV Services, a multi-national conglomerate out of INDIA and the entire organization has changed drastically. Consumers are still being called from their Englewood, CO location that still has a small staff formerly called True logic/Genesis Financial. The majority of dealings are with INDIA callers who think they can imitate American accents.

Bay Area/HOV is buying junk debts from a variety of sellers who have already diluted many of the accounts. Expect the typical reaction from the INDIA collectors (with bad accents) who are easily frustrated in their attempts to make you understand their dialect. I strongly oppose any U.S. company sending accounts to INDIA call centers where your personal information is at risk for anyone to steal your identity or use that information for illegal purposes. It is unbelievable these organizations are allowed direct access to our most personal information and that of our families without our consent or knowledge. An attorney who represents the collection industry and travels to INDIA told me these collectors are highly educated, many with MBAs, reduced to a trivial hourly rate to work in a debt collection call center for some scavenger who is taking American money on debts they bought for pennies.  As I told the attorney, it is just a matter of time until some crime organization figures out how to gain access into these organizations and American are in a nightmare of identity theft throughout Asia and Europe. It is not a matter if ?IF? but ?WHEN? it will happen, with no one to accept responsibility.

When dealing with these organizations, make them work and work hard. Use the law, the Fair Debt Collection Practices Act (FDCPA) the way it was intended. Make them prove each claim with documents that give validity to their (alleged) claim. I am not talking about the bogus affidavits churned out by the junk debt buyer mills either; I am talking about legitimate documents that likely no longer exist.

I also think that Congress should be pressured to reign in information that is freely given to foreign owners without our consent or knowledge. It is appalling to me that organization such as HOV Services can buy these accounts, and then use the purchased debts to gain access to our personal information. Surprised? Experian, Equifax, Trans Union, Accurint and others will sell to anybody who can sign a check. Is your medical information floating around some INDIA call center because you did not realize you owed a deductible on your claim? It may be. Did you know that your social security number and those of your family members could easily be obtained by these foreign collection organizations? Of course, you realize they have full access to your credit reports and those of your spouse and perhaps other family members. The real scary part is that you have no say in who sees it, where it goes and who may be able to steal it.

Bay Area Credit Service is one of many organizations that buy our charged off debts, ship them overseas, and then attempt to collect at highly inflated profits. Many use the same lies, threats and bully tactics so pervasive here in America. Bay Area is not alone; this practice was started because labor in INDIA is far less than what they would pay an American worker. The hourly wage in INDIA for debt collectors starts at around $3.00/hour with no taxes or benefits paid to the employee. One thing that U.S debt collectors and their INDIAN counter parts have learned is the lesson of greed and it is all at the expense of the American consumer.
CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available

Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm


From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

"How can these companies get away with doing this when you get charged for minutes on your cellphone and other totally inappropriate behavior. "

BECAUSE YOU and most everyone else ARE NOT REPORTING THEM is how they get away with it.  This is illegal for them to do, but when you make a choice NOT TO REPORT IT -NOTHING CAN BE DONE TO STOP THEM!  

you file complaints with the
Federal Trade Commisson
YOUR STATE ATTORNEY GENERAL
THE STATE ATTORNEY GENERAL where they are located.

YOU CAN SUE THEM YOURSELF AS WELL.  
you have to send them a cease communications letter first via certified mail - return receipt.  
You have to keep a log of all calls received after they have received your cease communications letter. Log to include date, time and name of person calling.
Where you can - RECORD ALL CALLS WITH DEBT COLLECTORS!  its important when recording that you remain calm and let them be as abusive as they like - the recordings will be your proof in court that they violated FDCPA.  

Start Here - BUT REMEMBER TO VERIFY WITH YOUR OWN STATE GOVERNMENT WEBSITES!  

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY

Dealing with debt collectors - for copy of cease communications letter.
http://www.budhibbs.com/start.html

Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

Left a message on my WORK phone, did not say where they were calling from just "important business matters" from Ms Hill. Everyone that I work with has access to the VM here, I was just lucky enough to be the one to check it. Not cool to call me at work.

I received three calls from this number today on my home phone. One someone was so "foreign" they could not be understood. Second one just hung up. Third one they continued to breathe in my phone. I do not appreciate these calls and don't think old people or young for that matter should be harrassed by these calls. Where do my rights lie???
Someone needs to get their facts straight.
Thank U

I called this company months ago because I was receiving calls on my cell phone for someone who I do not even know. I have had this cell phone number for 10 years.   I complained and was taken off their list, the calls stopped for awhile.  This week I started to get calls again.  When I called again I was told it was a different agency. This is not true as it is the SAME number.  The person was quite rude.  How can these companies get away with doing this when you get charged for minutes on your cellphone and other totally inappropriate behavior. Also I love how you are told not to listen to the messge if you are not who they ask for. I guess you are supposed to just accept being called by them incorrectly forever.  Ridiculous!

unwanted calls

Continue to get calls from this number on my cell, but no one responds when I answer.  They are calling during my work hours.  This must stop!  If it is a legitimate call-TALK TO ME!!

This is either ICS or Bay Area Credit

We just talked to the person on ths number - Bay Area Credit, 97 East Brokaw, San jose, CA - 95112 - Mr. Kight - Collection agency

This is ICS, a collection agency:

http://www.icscollection.com/

ICS Collection Service, Inc.
8231 185th Street, Suite 100
Tinley Park, IL 60487
(888) ICS-COLL

Does anyone know who this could be that keeps calling