WELL I WONDER WHAT YOU DO FOR A LIVING?? DO YOU STAY ON THE INTERNET WAITING FOR SOMEONE TO COME ON THIS SITE AND COMPLAIN???? WHY WOULD A COMPANY NOT PROVIDE A DEBT VALIDATION?? CLEARLY IT IS AGAINST THE LAW NOT PROVIDE THEM WITH ONE.. THAT IS NOT THE TOPIC AT HAND?? HOW ARE YOU SOOOO SURE THAT THEY DONT OWE THE DEBT?? WHERE YOU RIGHT THERE WITH THEM ON THE DAYS AND TIMES THAT THE LOANS WHERE ISSUED OR WHEN THE CHECKS WHERE WRITTEN???... NO YOU WERE NOT SO YOU CANT HONESTLY SAY THEY DONT OWE THIS.. EITHER WAY THEY ARE STILL WRONG FOR NOT PAYING WHAT THEY OWE.. THESE COMPANYS DONT GOT TO THESE PEOPLE ASKING FOR MONEY, THESE PEOPLE GO TO THESE COMPANYS ASKING FOR MONEY, THEN WHEN ITS TIME TO PAY THE MONEY BACK THEY DUCK AND DODGE....YOU PROBABLY HAVE BAD CREDIT AND DONT CARE ABOUT HAVING BAD CREDIT... YOU ARE PROBABLY A "PROFESSIONAL DEBTOR" TRYING TO HELP OTHER BECOME PROFESSIONAL DEBTORS..GET A LIFE.. O AND BY THEY WAY IT DOESNT FEEL GOOD TO BE CALLED A FRAUD DOES IT??? FIND SOMETHING BETTER TO DO WITH YOUR TIME THEN JUSTIFY DEBT...

NOT IF THEY PASS A BAD CHECK.... THERE ARE CIVIL AND CRIMINAL LAWS IN ALL 50 STATES AGAINST CHECK FRAUD AND ACH FRAUD... DO YOUR RESEARCH.. HAVE AS GOOD DAY!!

Wow - did you lose that caps-lock key along with any spelling, grammar, and punctutation skills on that boiler room floor?  
If you truly want people to know their (not "there") rights, then you wouldn't be chastising Alfafa for helping people learn said rights.  Of course you're not one of the people taking out loans they don't pay back, but neither are the people posting here.  Instead, you are trying to shake people down for money they likely do not owe.  Given your attitude I find it really hard to believe you follow all provisions of the FDCPA scrupulously.  How about you start convincing us by providing your company's name and mailing address so that those you've called can ask for debt validation?
It's the scam debt collectors that are the "grade A con men" and who deserve more than just a civil judgement.

So---you think that making illegal threats in order to collect on an unvalidated debt is "witjhin the practice of the FDCPA?"

Get back to us when you find documentation on the FTC's website proving this.

OF COURCE I WANT THEM TO KNOW THERE RIGHT THAT IS NOT WHAT IM SAYING... THEY TAKE LOANS OUT AND DONT PAY THEM BACK AND THINK THAT IT IS OK BECAUSE THE FDCPA AND FTC NOTIFIES THEM OF THEIR RIGHTS NOT GIVE THEM PERMISSION TO BE A THEIF AND A LIAR.. THE FDPCA NOR THE FTC SCARES ME BECAUSE I PRACTICE WITHIN THEIR LAWS TO THE FULLEST AND IM NOT WORRIED.. IM NOT THE PERSON INTENTIONALLY GETIING LOANS KNOWING THAT THEY HAVE NO INTENTINS ON PAYING IT BACK THATS A GRADE A CON MAN IFAND THEY DESERVE MORE THEN JUST A CIVIL JUDGEMENT.....

I am on here talking about the FTC in order to educate and keep people from being ripped off from scam debt collectors-- like you.

BTW---Debts are civil and not criminal matters.

Go throw a fit.

The only crooks on here are people like you who try to extort money from people who don't actually owe.
Of course you don't want your potential victims to either educate themselves about the FDCPA or to file complaints on the FTC and FCC websites.  Sounds like Alfalfa's informative posts have gotten you nervous.  Good

i just cant understand why you always on her talking about FTC...when you need to advise these crooks to stop stealing money and stop getting loans and never paying them back basically your are giving them the ok TO BE A THEIF.... SHAME ON YOU

called and wanted me to have my dad call back said they were calling authorities and needed to talk to him now .   They said they are sending authorities to his place of work.  seemed off so looked it up and saw many of the same complaints for this phone number.

I got the same message but from a MS HOPKINS, yesterday.

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

?is seeking payment on a debt for a loan you do not recognize;
?refuses to give you a mailing address or phone number;
?asks you for personal financial or sensitive information; or
?exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:

?Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.?Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
?Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
?Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
?Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

She left a message saying she is ms Norris calling on behalf of hydro loans and it was sent to her office to collect payment on there behalf.These ppl trying to get any money from you stating will send the legal documents to your employer or your place of employment if you don't pay.