The thing is these people will not tell you who are or where they're at. One guy called me and said I was facing felony charges if I didn't pay this debt. My bank didn't even have proof that they loaned me money, so I wasn't going to give him my card # unless he gave me proof that I owed the debt. He kept saying that they would send me proof after I paid them. So  I asked him what agency he was with since he said he was an investigator and he told me he did not have to disclose this information. So I talked to a lawyer and he told me it sounded like a scam since a debt is a civil matter, not criminal. So he told me to tell them I had a lawyer and to tell them to call him. The next time I talked to them I told them I had a lawyer and for him to contact him, then he got really angry and said "You can't pay a $200 debt, but you can afford an attorney". Then I never heard from him again.

Who are these people.  Call with lots of threats from  a blocked number  then tell you to call another numbesaid they were sending police with summons to my door.  Help read post are these people legally able to collect debts. I know they have to be approved to do so in your state.

Some Mr Dan Copeland  scared the HELL OUT OF ME said they will issue a suit if I didn't call back. Post Not too long for people like me who don't know.

Thanks information very helpful... I see laws for SC. I live in NC I wonder if the same apply for NC ?

i got two phone calls one from a woman and one from a man telling me they have a case in their office with a case number last 4 of my ss do these people think i am an idot. I am not responding and if they keep calling i will change my number as i dont owe any money to anyone other than charge card companies. They also call from private and unknown numbers and i dont answer those type of calls so keep calling bc I will not answer and I will not return your calls it is illegal to threaten a consumer look up the law have a nice day :) Also said they were calling from Dan Copeland Assoiciates and I looked it up no such att in my city sorry but try again

ASK THE FOLLOWING QUESTIONS. They don't expect you to know any of this. They will get loud and angry and tell you to get an attorney but when the attorney tries to call they get the run around or dont call back. What state are you in. They will have to pick and choose who they want to serve because they are calling people from NY to Cali. So a lot of those funds will have to be used across the US how many Counties and State lines do you think they have to cross. They are calling from Ohio    

7 debt validation steps to fight collection agency  

Are collection agencies harassing you with repeated calls? Are you sure they're legally entitled to collect the debt? Before you make a payment, try finding out if the agencies have the right to collect your debt. This is where debt validation can help you. Check out the topics given below if you want to know what debt validation is all about.

What is validation of debt?
Is there a time limit for validation of debt?
What details do you get with debt validation?
What are the steps in validation of debt?
Can you dispute the debt after the validation period?
Debt assigned to CA - how does it affect validation?
How do validation and debt verification differ?
What is validation of debt?
Debt validation is where you try to find out whether the collection agency (CA) has the legal right to collect on the debt by asking them to provide you with proof.

The FDCPA gives you the right to seek validation from a collection agency and not the original creditor. The FDCPA does not govern collection practices of the original creditor.
Is there a time limit for validation of debt?
Under the FDCPA, debt collectors (collection agencies or CAs) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you don't dispute the debt (or request validation of the debt) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid.
What details do you get with debt validation?
When you try to validate a debt, the collection agency must provide you with certain details. They are:
Proof that the CA holds your debt: You must get written proof that your account has been sold or assigned to the CA.
Your payment history: You'll also get a copy of your current account payment history. This will help you verify the total amount you owe, including any fees being added to your debt. You should also find out how the CA has calculated these extra fees.
Copy of your original contract: This is intended to prove to you that you agreed to the debt. If they do not provide you with a copy of the original agreement, the CA may also provide you with the account statements from the original creditor.
What are the steps in validation of debt?
Check out these 7 steps to validate your debt and deal with collectors and credit reporting agencies (CRAs).
Request a validation: Send a request letter to the CA asking them to validate your debt. Check out this sample debt validation letter to learn how to format the letter. The letter should be sent via certified mail with a return receipt request.
Check if the CA is licensed: You need to wait for a reply from the CA. The agency may send you a letter with the details you've asked for. While you wait for a response, you should check to see if your state requires CAs to be licensed, and if so, whether the CA you are dealing with is licensed. The states that do not require CA licensing are Georgia, California, Iowa, Kansas, Kentucky, Montana, Oklahoma, Pennsylvania, and South Carolina.
What if the CA violates collection laws: If the collector needs a license to collect debt in your state and they aren't licensed, send them a letter notifying they are violating your state's collection law. You should also inform them that if they continue to attempt collection, they may be facing a law suit and pay fines to your state.
What to do if the CA doesn't validate debt: If the CA doesn't send you satisfactory proof, then you need to send them the documents below:
A copy of your validation letter
Copy of the return receipt
A statement that the CA has violated the FDCPA
Under the FDCPA, if the collection agency doesn't validate your debt, then they can no longer collect the payment and they are required to stop contacting you.
Remove collection listing: Under the FCRA, collection agencies should not report a negative entry to the CRAs if the CA does not validate your debt. You need to send a letter to the collection agency asking them to remove the collection listing. You should also inform them that if they don't remove the collection listing, you might sue them for violation of the FDCPA. Wait 15-20 days for a reply from the collector. They'll either remove the negative listing or they won't respond at all.
Sue the collector if listing isn't removed: If the collectors don't remove the collection listing from your report, then you can file a lawsuit because they have violated the FDCPA. Before you file the lawsuit inform the CRAs that the CA is refusing to remove the collection listing.
Know how to deal with the CRAs: If the CRAs verify the collection listing, you'll have verification that the CA has the right to collect on the debt. If the CRA validates the debt, you should send them proof that the CA has refused to respond to your attempts to validate the debt, and therefore is violating the FDCPA. If the CRA refuses to send you the validation information they have received from the CA, you should include them in your suit against the CA for violation of the FDCPA.
Can you dispute the debt after the validation period?
You can send in a validation letter to your CA after the 30-day period, but the collectors aren't legally obligated to reply or stop collection efforts. So, you shouldn't dispute debt after the validation period has expired.
Debt assigned to CA - how does it affect validation?
If your debt is assigned to a CA, they may not be the legal owner of the debt. Sometimes if a debt has been assigned to a CA, it means they have purchased the account from the original creditor and sometimes it means that the creditor has hired the CA to collect the debt for them. When you validate the debt, you should find out how the CA and the original creditor are connected and who has the power to agree to a settlement or payment plan.
How do validation and debt verification differ?
If they validate the debt, the collector is required to send a copy of your agreement with the original creditor. If you are trying debt verification, the collector only needs to provide you with a written statement with the name and address of the original creditor and the total amount you owe. The time you have to verify a debt is similar to the time you have to validate the debt.

Under the FDCPA, CAs must stop collection activities as soon as they receive your request for validation or verification within the 30-day period. They can resume collection efforts only after they've sent you satisfactory proof that you owe the debt.

With debt validation, you can avoid harassment by collection agencies by verifying whether you legally owe the money. Once the CA verifies your debt, it is easier for you to plan how to pay back the money you owe. Always be sure you know and enforce your rights if the CA refuses to validate or verify the debt.

STATED THAT THIER IS A COMPLAINTS  IN  HER OFFICE ABOUT INFORMATION ON A APPLICATION  {NUMBER CALL}  855-244-1636  FEMALE NAME{ ANGEL} SPOKE WITH  MALE PERSON GOT REAL MAD AND HE WAS LOUND BECAUSE I  REFUSE TO TALK WITH HIM WITH OUT LEGAL DOC: THESE PEOPLE SHOULD BE STOP  CALLING MY JOB AND HARR/AND THREATEN WORDS

Just looked this up !!!     These scumbags are using other peoples names

Rosenfeld and Levine are doctors this clown goes by several different names. Steve Mack aka,Philip George,aka Dan Copeland and many others... this is the same person... He goes online and look for names to use. Hoping you don't read carefully into it.   Like Dan Copeland is a real attorney in Florida that handles Real Estate, There are four Philip George  and one Jr. that are attorney's none of them practice junk collections. Five Steve Macks Real Estate lawyers ,entertainment,construction probate non junk collections 216-916-0517 ,216-201-9560 ,216-333-1222,855-244-1636,newest number 855-244-1636 and others. Look up every name for yourself ... Debt is not a crime you cannot be arrested. Its a civil matter. If they decide to come from Ohio to Cali to sue me so be it. They are calling everyone around the US. So they gonna have to use a lot of those funds just to serve everybody across the US. from NY to Cali

BEWARE !!! You have rights if its yours or not. This person is not an attorney he goes by two names Philip George and Stephen(Steve) Mack. and know Dan Copeland same person. They refuse to give company name, address, lawyer lic#. They are a junk debt buyer. This company can not report on your credit report because they are not legit and did not purchase complete docs from original creditor. They will get very angry threaten to sue you when you ask for a letter or attorney information to validate where or whom you will be paying. 216-916-0517 ,216-201-9560 ,216-333-1222 . You have a legal the RIGHT to dispute a debt if its yours or not. Please research your rights for your state.      A legal business would not have a problem sending you a letter.

Notify myself in ref.to my brother owning money for a bad check in Butler county which supposely be in Cleveland, Ohio. Never been in Ohio so scammer stop it. We do our homework.

Got a call from this number on my cell and work phone number. They say they are from Rosenfield and Levine. A long message was left stating that there were several complaints filed against me. On the messge the lady was vague about her info, her name, company name etc., but she was quick to give the last four of my ssn#. i have had many of these calls before. In her voicemail she didn't leave her name but when she called my job she called the first time from a blocked number, the second time was from a local number. I answered and she said where she was calling from.They are scammers that are out to scare you. They try to use legal words so that they can scare you to respond. If there is anything legal pending in my name there will be something in the court office with my name. They would not continue to call and harrass me. Beware they are professional scammers trying to get you to pay back payday loans taken out online.

Who are these people and why do they harass and bandy about the word "Fraud"

I don't know who these people are and tried to get info.  They called my daughter (how they got the number I don't know) and told her they were from the "fraud" dept. for me.  It upset her and she asked they not call again....the lady said she could call all she wanted and as many times as she wanted. Who are these people.

They started calling threatening me and my partner then calling his dad and threatening him too how low will these people get I filled a complaint with the FBI you guys can do the same lets work together to get these a holes.

Calling stating they are a business but number is from an unknown and won't say the name of their business; how unprofessional.

Called my BOSS..That is against the law. STOP harrassing me...