I also recieved a call from 1 800 880 3395. Similiar scenarios as previously described. Returned calls three days ina row with no response. Hard to do much when you won't answer right ?

what is CCN? they threat u with court fees n all dat but i just don't trust who they are.

Also received a call from 800-880-3395 showed as on my caller id as unknown caller. I did not answer the call she left a message I could not understand her name but she was from the legal department for CCA the person she was looking for was a Gabriel Leal and this was a legal matter in reference to a checking account. File Refernce# 31241502. I did not call back and won't since this person does not live at my address.

I just got back from vacation.  Received a call on my answering message from CCA regarding my checking account.  Said they will be filing legal action against me at 3:00 p.m. She did not leave her name but her ext is 306, and the case number is 30940439....I will not be calling back. Their phone number is 18008803395.

I got a voicemail from a blocked number; some woman named Bridget or Burdet from CCA was calling for someone (not me) at some address without a city (again not mine) and that there was a problem with my checking account. I read the posts, this is so obviously a scam I am not even going to call them back - but you can at 800-880-3395 x303.

caller cac stated was a lawyer, i reused to talk with her, staated she was initing a suit to sue me

What IS this co? We don't have any outstanding check problems?  So, what is their point?

Lady called said her name was ms. sunners.  gave a case number as well as some other info.  is this company for real.  can they really follow through on threats?

CCA Kim called said about checking account .. gacve case number of 206-717-8111.. Is this a rip off or what ...

This is a total SCAM that needs to be reported whenever you hear from them.  They called me from another phone number in Houston, TX, saying only they were with CCA.  When I asked what CCA stood for, I was told "Check Collection Agency", however, when I called the 800-phone number given here, I was told it stood for Check Collections of America.  They said they were calling regarding the balance on my checking account and said I needed to call the phone number listed here to get it straightened out.  When I called, they said I wrote a check to a department store locally and gave a date that was well over a year old.  They gave me the supposed amount of the check and said it had come back NSF and they needed it taken care of or further legal action would be taken.  I called my bank and no such check had been written, and since I have overdraft protection on my checking account, the check would have cleared anyway.  This CCA place said I need to give them my credit card or debit number to them over the phone, or I could mail a cashier's check or money order to them.  This stinks to high heaven.  If you get a phone call from these people, I suggest calling the local Houston Police at 713-884-3131.

got a message from "Mrs Winters" and asked to call back the "legal department" regarding my checking account

We just got this same phone call from Mrs. Winters, I am glad I looked this up before even thinking about paying it.

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
 Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved

I got the same threat so I called my local DA's office.  District Attorneys DO NOT handle these kinds of situaitons.  the detective I spoke to told me that if they call again i am to tell them to ceast and that i have contacted the DA's office and that they are being investigated.

I received a call from this number today.  Stated that they were calling regarding my checking account.  When I called them back the lady stated that they filed an affidavit with my local DA's office.  She also said that they have tried contacting me, I haven't heard from them before and I called my ex roommate to see if any mail was delivered there for me, there wasn't.  I told her to send me something in the mail.  When I got off the phone with her I called my local DA's office and spoke with a detective.  He told me the DA's office does not handle these kinds of situations.  I gave him my info and checked on things for me and found nothing.  He stated that if they contact me again that I am to tell them that they are to cease and dissist and that I have contacted my local DA's office and if they contact me again that we will take further action against them.  The detective is investigating them.

I filed a complaint with the FTC Bureau of Consumer Protection and now Im trying to find out how to start a class action lawsuit against the company, so if anyone know how to do this please reply so we can stop this company for there very poor debt practice

I filed a complaint with the FTC Bureau of Consumer Protection and now Im trying to find out how to start a class action lawsuit against the company, so if anyone know how to do this please reply so we can stop this company for there very poor debt practice.

This company called me today and told me the same thing about a check that has to be over 4 years old but Ms. Clark at Ext 301 said if I didnt pay by 2:00 a warrant would be issued for my arrest and a police officers would be at my door to get me, Yeah right Im in Detroit and the police is not coming. Have anyone else been arrested yet??

I got a call from these people - said they were looking for the owner of a company that had done some work for me.  I don't know how they got my number unless they got it from the check I wrote the company somehow.  Of course, there was no answer when I called back.

had same calls and they say that they will get the police to arrest my wife if she does not pay.
which is totally bogus. third party collection agencies can not have warrants issued for peoples arrest.
they are a third party agency, if thats what they call themselves. the check has been payed for more than 2 years. so i think someone needs to do something about this company.

I got a phone call today on my cell phone. Ms. Winters had called my house, told my wife she was from the credit union where I have my bank account and needed to get in touch with me about a problem with my checking account. My wife gave her my cell phone number thinking it was the credit union and she called me. Told me I had a bad check to Cricket for $42.81 from May 2009. My account with Cricket is current and active. I told her that and asked for confirmation in writing that this amount was owed. She told me they do not do that. That I had until 1 pm today to pay the amount of $74.68 for the check or they wold file for a felony warrant with the District Attorney. When I asked what District Attorney she told me she didn't know what county it would be filed in. I asked again for something in writing to confirm this and she said that they were not in the business of providing proof of this transaction. That Telecheck had paid Cricket for the amount, that this is what I owed, and if I didn't pay it then a warrant would be issued. I guess I will wait to see if a warrant is issued for a check that has been  paid by a third party for a District Attorney from a county that is unknown.

GOT A CALL FROM A MRS GREEN STATING THEIR A CHECK COLLECTION AGANCY CCI
TO CALL THEM BEFORE THEY PROCESS WITH LEGAL MATTERS.  CALLED THEM BACK
SHE COULD NOT GIVE ME THE INFO I REQUESTED LIKE CK# SHE WANTED ME TO
VERIFY CK ACCT INFO....SCAM SCAM

CALLS THREATING ME TO PAY OR POLICE WILL BE KNOCKING AT MY DOOR

My daughter recieved a call from CCA , phone number 800 880 3395.  They left her information and a number to call them back as soon as possible. They told her I had to pay for two bad checks from a year ago or the police would have a warrant to arrest me within two days to go to jail.  They would not send me a bill proving that they were a legitimate company (with their company name and logo on it).  They would not e-mail me because they said they did not have to prove to me who they were.  The man that spoke to me and my daughter said his name was Mr. Ford and his extension was 314.  He was very rude and demanding.  He wanted me to pay over the telephone immediately.  I told him what I thought of him and that he should go back to his native country and then I hung up on the idiot.

Well, today my mother received a phone call from this number by a "Mr. Ford", and my mom wasn't home so I took a message.  Being a college student, I was naturally curious about the accredibility.  I went to the "Law Offices of CCA's" website, and found one very useless page.  I then went to the BBB Consumers and Business website, and verified that the CCA is not accredited by them and that 6 complaints have been filed against them, none resolved.
I decided to call "Mr. Ford" back.  The first time I called, I stated that my name didn't matter right now, and was hung up on.  I called back, told him my name was Lindsay, and gave him my mothers case file number.  He then proceeded to call me by my mothers name. Hmm.
I asked him why there was no letter before the call, and he said "by law they (the CCA) are only required to contact me once."  and I should've been previously contacted by 'Teletech', or something like that.  He then stated that they have been calling my house leaving messages since the "bad check" occured in 2009.
I asked if the FBI or police contacted him to request the call to my house, and he switched the conversation and became quite rude.  He moved on to saying he had a call on the other line of someone who "was actually trying to pay their bill" and "since I told him at the begining I wasn't going to," he was basically done talking to me.  I never told him that, I started off by asking him if I could ask him some questions.  He continued to talk loudly over me, repeating what he had previously said, as I tried explaining I was just trying to get to the bottom of their accredibility, and hung up on me as I said, "hopefully, you aren't this rude with all your clients".
To me, the "Law Offices of CCA" = total scam.

Claims its a check collection I already paid that ck to walmart for 45.00 one year ago she gave me
a newberry address and wanted me to fax her my checking info................SCAM SCAM

I just received a call as well and called back. It was for a check my bank paid for n was writing in MI . It has been well over paid for n resolved. When I mentioned they r not accredited n asked very politely about their means in fear it was a scam cuz all of my info was incorrect . They yelled at me and told me they'd bring me to jail. Is this real? I talked to my bank they say everything is fine and it was resolved so wat is this? Sorry for spelling , this is in my phone :)

could some one tell me if this is a scam.
they call and say that if I don't call back I will be going to jail.
he was very rude to me and insulted me verbally.
they also did not give me a superviser or manager. he told me to hold my breath and then he endED the call.
HE NEVER GAVE ME A CHANCE TO SPEAK, JUST CONTINUED TO INSULT ME.

COULD SOMEONE PLEASE TELL ME HOW TO GET THEN TO STOP CALLING ME

I am on the national do not call list and I get call for people with my families same name... when you call back to talk to a superviser to complain about rudeness you or I should say I could not get to a superviser , I could not get past the person that answered... her name was miss bradley ext #306  .. do I know if this information is correct no I do not ... but they really need to change their attitude, they set me off on both calls  the person they are looking for does not live here has a mainland cell # and leaves other people to field his calls ... next time I see him I will give him a piece of my mind...

Lol yea this place called me today told me I have to pay 2365 by 12pm or there going to send the cops to my house nothing happen yet has the cops come out for anyone let me know if I have to go to jail or not but I think its all b***s*** to me