Never ever give your banking info.   And make them verify the info they have , Never devulge that info.

actually, as a former manager at a national debt collection agency, the agency is responsible for knowing what area codes are for what time zone for the country. They have a list of area codes the list the area code and the state and even go so far as listing some parts of the state of the state is big and has multiple prefixes.  They can be held liable...

DID THE AUTO SYSTEM DRAFT FUNDS OFF MY DEBIT ?

I received several calls in a row from this # 1- 816-423-8000 at my place of employment and the initials PDM appeared on the caller id, how do I track them down and send in writing a request not to call my office phone?

Indian/Pakistani/Bangladeshi idiot making threats and impersonating an officer.  Called about a month ago using names Mark Brown, Bill Murry, etc.  I told them I had a receipt and to wait and I would get it for them…they hung up. I called their number back and asked to speak to Mark Brown, Bill Murry, or more than likely VIjay SIngh.  I said look Vijay I have a receipt and do not owe anything and he would not talk to me put me on hold and went to his supervisor.   I could hear the supervisor telling g him what threats to make and when he came back I told him I had a receipt and do not owe them and they are trying to make me pay twice for the same bill and that I would not pay you a cent you Pakistani/ Bangladeshi/ Indian thieving bastards…they hung up and have not made threats/calls for almost a month.  Oh, last month they stated they were a law firm from Cal. and now they are calling form Seattle.

They're a third party debt collection company, dont give them any of your information with out receiving legal documentation of the debt first. If they ask if you want to settle the debt with a payment plan, ask them for work to be faxed or sent to your home, if they refuse hang up. If tell your that they call only receive payment through direct deposit hang up on them let them keep calling because at this point that's all they can do. If they don't give you what you ask for pay no attention to them, they use scare tactics to take your money. They are scum and unprofessional and they buy debts to make money off of.

Just sent a Debt Verification letter as well as a Cease and desist and they moved, no forwarding address!  Help, I have been bugged by these people who dont give a damn who I am and I have never ever taken a Pay Day loan out and they go as far as saying Iam a lier!  What is there current address, I'm desperated to find out what these people are going to come up with.

This people calling for days now, and pretending that I am listed as a reference for someone else looking for a job. They are very rude and I could not find out what they really want. I told them not to call me back, but they continue calling my home and cell phone! Something seems to be really wrong with them.

Don't give in to these bu***hit con artists.

Blow an airhorn or a loud beep in their ears until they're willing to cooperate w/ you.

Dumb idiots.

Called me at work. wanting to know if I have a lawer or want to settal volentarely. They use the number 816-581-2441 as a callback.

pdm called me staying that i owe a company money i ask them to send me something in wrighting they got up set. is there any hepl out there.

I keep receiving calls at work (4 days now) they will not tell me what it is regarding.  keep trying to talk over me when I am trying to request information and today called wanting my HR department so they can send them legal papers.  I can't get anywhere.  I have each time told them not to call me at work since they will not say why they are calling but they call back within 1 minute.  Any suggestions?

This is PDM & Associates / PDM / Phoenix Debt Management / Capital Recovery.  They also use this number:  866-504-7548.  They harass anyone and everyone at our company looking for individuals or phishing for information.  We have complained to the FTC yet, they continue to call.

Didn't even call for the right person!!! I don't know the person they've been looking for that supposedly has a case against them! the number isn't toll free! It's from area code 816 which is where i'm originally from(and left when I was a child), so it was a bit of a shock!

According to the Better Business Bureau
this is :

Phoenix Debt Management
PO Box 11127
Kansas City, MO 64119

telephone number 816-423-5796

others on the internet said
these numbers are also associated with Phoenix Debt Management

866-504-7548
866-679-4046

This number is not toll free 1-816-423-8000

I received a call from this number at work, the individual (lady ) left a voice mail for me to call her asap , she had a very rude tone of voice and I never returned her call. However, at my employment which is a private sector company all calls are recorded. I wish they send me documentation of a debt and i will deal with it from there. Really Mrs. Wynn from this office need to contact me via mail or my personal phone. I will report them to the Federal Trade Commission if this continues.

i also received calls from them for a payday loan.   They told me if I didnt pay the were going to send garnishment papers to my employer.  I first spoke with ms. huey they were very very rude.  I live in north carolina can they do this?

I received the call.  It's PDM. I DID owe on a default loan and they were the collection agency.  Lady was nice to me.  Payday loans are HUGE mistakes and I'll never do one again...but I'm finally getting them paid off and if you owe them, these people will usually work with you to pay them.  I tried to doge them...but I really did get myself in the mess.  I'm sure some people may be getting calls that are not legit...but the one I got actaully was.

Some guy calling pretending to be an Attorney, I work in law office in he did not even have case number said he was Scott and when I answered Law Offices he was stunned..

Indian/Pakistani/Bangladeshi idiot making threats and impersonating an officer.  Called about a month ago using names Mark Brown, Bill Murry, etc.  I told them I had a receipt and to wait and I would get it for them?they hung up. I called their number back and asked to speak to Mark Brown, Bill Murry, or more than likely VIjay SIngh.  I said look Vijay I have a receipt and do not owe anything and he would not talk to me put me on hold and went to his supervisor.   I could hear the supervisor telling g him what threats to make and when he came back I told him I had a receipt and do not owe them and they are trying to make me pay twice for the same bill and that I would not pay you a cent you Pakistani/ Bangladeshi/ Indian thieving b*****ds?they hung up and have not made threats/calls for almost a month.  Oh, last month they stated they were a law firm from Cal. and now they are calling form Seattle.

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=7785
Professional Debt Mediation  
7948 Baymeadows Way # 2
Jacksonville, Florida, 32256

monae@pdminc.net
www.pdminc.com


--------------------------------------------------------------------------------
Phone No.  904-398-0080 904-398-5972 888-676-9872 904-398-0286  
Fax  

  Rohan R. Kissoonlal, CEO
 
 

Notes
Payday loan & junk debt buyers/collectors. BBB Rating "F"

Verification barely exists on debts, very poor business practices. Typical sleazy agency, AVOID! Loads of complaints.  

THE BURDEN OF PROOF IS ON THE COLLECTOR TO PROVE THE DEBT IS VALID AND OWED.

They probably cannot provide LEGAL validation of the debt!

THEY MUST ALSO PROVIDE PROOF THEY HAVE THE LEGAL RIGHT TO COLLECT IT

MANY STATES HAVE BANNED PAYDAY LOANS AND COLLECTIONS ON THOSE LOANS - CHECK YOUR ATTORNEY GENERAL FOR MORE INFORMATION

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT.  

2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


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




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There?s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors ? or if you dispute the legitimacy of a debt ? a debt collector may contact you.

?Time-barred? debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General?s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a ?debt collector? generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt ? or any debt for that matter ? can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don?t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you?ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you?ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again ? except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn?t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney?s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works 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 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. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. 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.
October 2004

I receive a called from 8164238000 and I believe it is a collection agency. They need to stop calling me and stop harassed me.

I received a phone call from Ms. Watkins at my place of employment.  Ms. Watkins was very rude to my supervisor, so that made my supervisor act rude towards me.  I called Ms. Watkins and told her not to call me at my place of employment and that she can talk to my debt collectors who are dealing with my case.  I received another phone call from the same number, but no name from the person and that individual was very rude as well.  I let him have it and he started calling me repeatly back to back for about 5 minutes.  I wish this would stop

*I am not an attorney*

Debt collectors are not allowed by federal law to THREATEN, INTIMIDATE or otherwise call you when you have requested they NOT call you (at work for example).

Send one letter certified mail return receipt requested to the debt collector. Even if debt collector rejected delivery, that's okay. It shows you attempted to notify debt collector you want to be contacted in writing, not phone calls.

State in your letter you WILL record all phone calls. That's it. Do not insert an "...or else."

Warning: If you live in a state where recording calls must be disclosed (CLEARLY) before recording, do not record without express disclosure.

Try to remain calm. Record calls of them threatening you and/or screaming at you and then drop these recordings off with your attorney.

Want to see how quickly these calls and debt collection attempts go away?

Once you stop the calls, you MUST pull your credit reports from www.annualcreditreports.com (NOT to be confused with www.freecreditreports.com or similar). This is the only 100% free site established by the government under FACT Act.

Mark all bad credit accounts & determine inaccurate reporting from report to report (that is, your 3 reports from Experian, Equifax & Transunion).

Please think before handing money over to a debt collector.

Please don't take their crap. Stand up the right way and let's put an end to their terror.

(If) she was sued and didn't respond to the court order to appear, the Court might have issued an arrest order. YES, she could go to jail - NOT for the debt but for failing to appear in Court as ordered.

PLEASE understand that if you are sued you must respond to the Court even if the suit is bogus.

PLEASE do not represent yourself (that is, pro se). I am not an attorney and I am not dispensing legal advice.

Slimy debt collectors have figured out they can "use" the courts to scare people like you to pay on alleged debts NOT validated. What is more scary than having a Sheriff's deputy appear at your place of work or to your house?

You see, the Courts and Police are forced to intervene when you fail to respond and/or appear to the summons (court order).

Further, debt collectors CANNOT threaten you - they cannot tell you they will sue you or that you will be arrested or pretend to be law enforcement calling you. Take a moment to READ the Fair Debt Collection Practices ACT and your state's debt collection laws. It's not difficult to read & understand.

It's worth it!

In what other way are we (together) going to STOMP on these slimeballs who terrorize people in to paying on alleged debts?

Jack very well could be telling the truth about the calls.

Many debt collectors use fear and intimidation to squeeze money of you for alleged debts not verified or validated.

Many debt collectors regularly THREATEN alleged debtors with arrest.

(If) Jack was summoned to court and did not appear, default judgment might have been recorded against Jack. In that case, the judgment creditor (debt collector?) could have pursued garnishment order.

Jack clearly should consult with a NACA.net attorney familiar with consumer law (FCDPA).

If you are summoned to court, respond to the court and appear. Failure to appear could result in the court issuing an arrest warrant. Minnesota has been receiving lots of (negative) publicity for debt collectors "using" the courts to collect on alleged debt.

That is, debt collectors know most people summoned will not appear. Easy default judgment. Now, judgment creditor who NEVER validated debt can pursue stronger debt collection.

Do you think getting arrested while at work or at your dinner table with your family around could scare you enough to pay...even if you do NOT owe the debt?

This is how LOW some of these slimy debt collectors will go to squeeze money from people.

Does anyone have a fax # or mailing address for the PDM Associates?  They called me as well threatening me and I want to send them documentation of how my previous payday loans are being handled.  However, when I called - they refused to give me a fax #.  Can anyone help me??

Keeps calling at work and cell, leaves no message.

You can tell them not to call you at work. Take note of who you spoke to, and the time and date they called.  If they call you at work again, that is illegal. You now have a case against them for harassment. Get their mailing address and supervisor's name and send them a request in writing to quit calling you at work. In the letter state the date, time and who you spoke to when you told them to quit calling you at work. It would be a good idea to have the letter notarized and send it certified with delivery confimation, so they can't deny anything.