YUP,Last time.Bye ALL.JOHN H. JUST RODE OFFF IN TO THE SUNSET.

Obviously you do, cause you decided to share your thoughts.

did you happen to use creditkarma.com? I did right before these calls stared!

These guys have went so far as to have called my employer! I don't even think i owe this debt any longer! But I have to go thru a lot of boxes of papers to proove it! And I will! They keep saying they have mailed me something and are not going to mail anything else... When I asked what address they had they gave the wrong apartment number... I said 'so it's your fault not mine'. I told her to mail whatever she wanted just get it addressed correctly so I get it this time! This made her angry so of course the threats came next!  I will be contacting the original company! I ended up hanging up on her! I was outraged that they called my employer! So not kewl! This can't be legal! It feels like harassment!

Repeatedly HUH ? WHERE ? Who cares anyway.Be sure to replyI I love to hear from a EXPERT.,

Thankyou,Did not Know that about CAPS.

THANKS,Very good info.

Also,  caps are the first give away of a Shill at work.....as this person is certainly none less than a prime suspect.

Regardless of their size, the FDCPA applies to all companies.  Even if they are small, that doesn't mean they are a wholesome "Mom & Pop" think.  In the past few months we have seen several of these outfits exposed here by the regulars, and they were run by people with extensive criminal histories for things like fraud, drug trafficking, and assault.   Sort of like failed street thugs taking to the phone.

I also caution one about "the ends justify the means" philosophy, and "mistakes are made".   Law enforcement can't play by this approach. In America, we have civil rights.  They apply to all citizens, whether they are accused of a crime or accused of having unpaid debts

Me thinketh you protesteth too much to be a typical consumer who wandered in here. You repeatedly claim "they paid hard earned money for this".  So?  It is call business and it is an investment. At times, one losses money on investments.  Ask anyone who was in the stock market in 07-08 or anyone who bought a home and is in a situation of "negative equity" --- i.e., they are underwater

There is *NO* excuse for breaking FDCPA laws! None whatsoever!  And seriously, all they are doing is opening the door for lawsuits under both FDCPA and TCPA laws that can & could cost them way more then that debt cost them to start with.
Word of Advice, Caps is considered shouting, lose the caps key!

"Mom & Pop" outfits that buy these accounts for pennies on the dollar, in "hard earned CASH", are fully aware that what they're purchasing are debts that they know full well are invalid, past the SOLs or just plain bogus. Which explains the scare tactics & the violations of the FDCPA. They know that they have no chance on collecting on their paper if they have to adhere to federal regulations. Using illegal scare tactics is the only way these types of outfits can make their gamble on bargain bin paper pay off. They are gamblers and, more importantly, criminals.
When dealing with bottom-feeding collection outfits the first step is DEMANDING a written notice of validation be mailed to you. NOT e-mail or fax! As per federal regulations under the FDCPA. When the "Mom & Pop" outfit refuses or starts making threats & excuses...case closed. They're frauds! Report them to the FTC & then block their calls or ignore them.
Be Safe. Be Aware.
Gunnar

THANKYOU,4 all that GREAT INFO.NO I think this is a legitimate MOM & POP COLLECTION CO.However they use some HIGHLY QUESTIONABLE TACTICS.One must remember that they PAID 4 these ACCOUNTS with hard earned CASH.Only PENNYS on the DOLLAR,But they DID PAY.They are EXPERTS at SCARING PEOPLE.

Sounds more like a extortion Scam Operations.. More on that in the links below:

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:
http://800notes.com/forum/ta-944ec1426a8bcbb/ ... service-attacks
************
http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
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http://www.net-security.org/article.php?id=1828
***************
http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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http://www.fdcpa.me/fake-process-server-injunction/
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http://800notes.com/forum/ta-9413b3202bc8b6c/ ... net%27s-tactics

To report Extortion Scam Operations, file reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

Consider buying a call blocking device or phone..
http://www.amazon.com/s/ref=nb_sb_noss?url=se ... s=call+blockers

This COLLECTION CO. Buys old CREDIT CARD WRITE OFF,S Then they try to COLLECT from U any way they can.Most of the time with the FEDERAL CASE against U and DOCUMENTS are coming B.S.Not only U but ANYONE THEY CAN GET THE NAME OF THAT U EVEN REMOTLY KNOW..The GAL that answers the phone CLAIMS at 1st to be ONLY a SWITCHBOARD PERSON but becomes the KNOW IT ALL of the OPERATION & WILL FIND YOUR FILE if SHE THINKS U MIGHT PAY.These peaple ARE VERY CLEVER SO DONT TRY TO OUTSMART THEM.Think your CASE over then if its HOT AIR,Well I would just tell them DONT CALL ME AGAIN.I THINK WHEN THEY CALL THEY HAVE THE INFO ON FILE so its UP TO U TO SET THEM STRAIGHT.THEY ARE NOT CALLING TO WASTE TIME,BUT OF COUSE THEY MAKE A LOT OF MISSTAKES. NUFF SAID ///

Collection agency of course,They will say ANYTHING to get YOUR attention,Hot wind & B.S. is there best bet.Forget it unless U DID A FRAUD against A CREDIT CO.Then U might have a PROBLEM. YOUR CALL.

Did not leave aname just said some documents were to be delivered ........Most likely a collection agency, since I am in a very bad way finance wise.

This is a COLLECTION FIRM,Claims to have a old DISPUTED ACCT from CAPITAL ONE that I did not pay becaues they would not remove the disputed amount.They say its in or going to FEDERAL COURT & they will serve any one you know with LEGAL PAPERS to be a WITTNESS.They then OFFERED to SETTLE for less than 1/2 the BALANCE that has more than DOUBLED. I called CAPITAL ONE and they said they have WROTE OFF this ACCOUNT.a LONG TIME AGO.I called a well known retired LAWYER about this and was told FORGET IT,THESE FIRMS WILL SAY ANYTHING,BUT CAN  NOT DO MUCH MORE THAN THAT-------TALK,THREATEN & HIDE is there THING.

I received a call at my parents house by a person named Lisa. it was from the phone number 855-231-1722 x 48720. When I called the number I was given all this information about the wrong person and wrong address, etc.  then they asked for the number they called on, I have them my parents number they transferred me to some fast talking guy who gave me my social and then my mailing address and then stated we have your physical address too, two possibles.....1 of which I never heard of he other I've only gotten mail at, but I am freaking out because I don't know who they are or how they got my info, however, Lisa is a fictious name because she doesn't work there apparently...anyone with any info?

I posted earlier about this number, they answer the phone as switchboard, the lady said she answers the phone for a law firm, chiropractor and dentist, when I asked what law firm, she said KMS group. I've researched this online and it's not legitimate. If they call you like they did me chances are hey are asking you to settle a debt (that may or may not be legitimate) for less than you owe, claiming they mailed you this info in writing 33 days ago or whatever amount of days...and if you don't settle they will sue you.....this is not the way a real law firm seeking to sue you will work, they will mail you letters then registered letters and then a summons.....plus his guy on this number tries to record you, so be careful if you choose to talk because if you commit to giving them money on record you will at that point have entered into a legal contract to pay them and then they can sue you....also they bring up the debt and amount BEFORE recording and then make no mention after the start of the recording of the debt just how much you will pay them...

I received similar calls they have been calling a family member and also my ex of 25 years who lives in a different state...saying I used them as a reference and they have paperwork they are going to send them if they don't call them back..and when they did (which was not a good thing to do) they told them to have me call them about an urgent issue!

Oh my God. I got the same phone call as Juan stated on February 24,2014. A 10000000000 number called me and they gave me the phone # 855 231 1722 saying that a process server will come out and serve me with complaint and summons. When I called the 855 number they told me that a person gave as contact name my name. I never heard about that name in my life I told them. Than they said they can't give me any information as I don't know the person.

They are calling some one I dont even know about a address I once lived at about 6 months ago with the same GARBAGE the ABOVE PEOPLE are COMPLAINING about.When U call back and ask WHATS UP ? The female answering the phone tells U she is only the switchboard operator,However when U ask for the caller DAVID ORSULO and she cant locate him -SHE becomes very aggressive and tells U that a they will serve court witness documents on U or just about anyone who ever lived at that ADDRESS. I kept on ASKING for the NAME of the FIRM I had reached,she became VERY LOW VOICED and rattled off some Initials that I could not hear then HUNG UP. Sound familiar ????

called from 0000000000 left message delivering documents... sounds like a scam to me.  # is from California

got a call from this number , and my brother as well stating that they were going to serve me some papers and that they knew my address and to call them back.

Forgot to mention that the number the call came from was shown on my phone as all 000000. the number I listed above was the number they left to call back. No mention was made as to who the caller was.

Received a message on my cell regarding documents being issued for two people whom they named and gave an address for also. It basically stated that one of them needed to call the firm back or they would issue the documents and deliver  them to their work place on file as well as other addresses they have for them. The address  for  California and I live in Pennsylvania and do not give my cell phone out to businesses only family and close friends.