Thanks Theresa, that's nice of you.

WOW, THEY HAVE DIFFERENT NAMES AND EVERYTHING, I HAVE BEEN DEALING WITH THESE CALLS FOR THE LAST YEAR, AND THEY CLAIM TO BE FROM ANDERSON WILLIAMS AND ASSOCIATES, THIS IS A COMPLETE SCAM, THEY HAVE BEEN TELLING ME THAT I OWE ON A PAYDAY LOAN THAT I NEVER TOOK OUT!!!  I HAVE FILED A REPORT TWICE WITH MY LOCAL SHERIFFS OFFICE, I SUGGEST YOU ALL DO THE SAME THE MORE COMPLAINTS THEY GET, THE BETTER CHANCE THAT WE CAN GET THESE SCUM SHUT DOWN!!!!!

I don't know about anyone else.  But I got a fair shake from Eastern Capital Group.  They were a little rough at first, but they were willing to work with me to satisfy my credit obligation and now I have a $0.00 balance and a letter showing paid in full.  Thank you

"John"..After reviewing your post I decided to consider contacting you to share my experience. When I looked at your website I noticed that your "company" is just a front to sell debt consolidation. You are trying to lure people who have bad debt to you so you can sell your companies consolidation services to them. Shame on you. Beware people!!..

I am investigating Eastern Capital for FDCPA violations. If you would like to share your experiences there please contact me.  www.citadelpc.com

I used to work there..it is all a lie. you are not getting sewed..it is something they do to make people believe that so they can get money from you. they are not a process server, litigation department, or legal department they are a little collection agency that are scam artists and want to trick inoccent people who simply do not have the money right now to pay a debt. I worked there for two weeks, at first thought it was a nice place until i finally got the jist of it. Very unprofessional and am so glad i do not work there anymore, i would rather not be involved in a law suit myself. I think it is wrong to hire people and make them tell people that they are a process server and put their own life on the line for lying to customers.

Same here they are under investigation now though.

Anyone claiming that they were served papers, or have to appear in court is someone that works at ECG writing this so that people will think that it is real. ITS ALL B***S*** I USED TO WORK THERE! worst job i ever had in my life!

JUST YOU.... I want everyone to know that "JUST YOU" works for ECG and they have thier employees come to sites like this and use them to SCAm you out of money!

Got a call from some man asking for my boss and wanted to know if he was going to be in the office from one to four pm.  He needed to received some documents and wanted to verify his presence.  Told them not sure but you can try.  Gave me the number 866-254-7556 and said he needed to call this number and speak to the attorney at this number and provide his reference number.  Yea right.  Called myself and girl answered Eastern Capital.  Good-Bye

It seems pretty unproffesional to be putting all that information out to the public.  You are speaking about a conversation you had with a 3rd party.  I was a little unsure what to think about this company and the reputation being put forth in this blog.  But, you have made it extremely clear through your comments that the horrible reputation is warranted.  I have called back several times during normal business hours to no avail.  I have every intention of requiring you to show proof of debt.  Since I have monitored my credit extremely close since my divorce several years ago...I wish you luck.  I would venture to say that you must have gotten duped into buying a false debt.  I feel bad that you were scammed, but I refuse to pay for YOUR mistake.

[This post has been removed]

I JUST GOT SERVED A SUMMONS TO APPEAR IN COURT FROM THIS COMPANY FOR A DEBT I THINK I MAY HAVE PAID BUT I'M NOT SURE! GREAT!!!!! NOW I GET TO SPEND MY ENTIRE DAY IN COURT FOR A BILL!

Getting the very same type of call from them. The statute is 3 years in my state. Looking forward to his call tomorrow.

Thank you so much for this.

I don't jnow who called me!

Collect America buys trashed accounts for pennies on the dollar and assigns the accounts to franchised collection agencies with a lawyer?s name on the stationary. Cambece doesn?t sue anybody, and he is only licensed to practice law in Massachusetts, so if you don?t live there, he can?t sue you and the threats are so much smoke. 60 people work in the ?Law Office? and 59 of them are collectors working the phones. Maybe even Tony C himself gets to work the phones every once in a while to keep his game on.

You can?t pay Fleet anymore because they dumped your account and Cambece wants the money ?tonight? because by tomorrow you?ll know that they have absolutely no evidence of this account and that they have no ability to sue you. They are hit-and-run con artists.

File the usual complaints, and be sure to include the Massachusetts Bar Association. Whatever you do, don?t send this scammer a penny.

SEE IF the following story sounds familiar.

At the time, you were really happy to make the sale. He was a new customer, and his order was worth $6200. A promising new customer. And he was delighted with your product (or service).

But now thirty days have gone by, and you've had no cheque. So you phone him. No problem, really. "It's just that two directors need to sign the cheques, and one of them is out of town. He's expected back in two weeks."

Two weeks later, you phone again. The director got back, they tell you, but he's having a minor operation on his leg. He went straight to hospital and didn't get a chance to sign any cheques or go through his in-tray. Terribly sorry, but they swear you'll get a cheque next week.

Nearly two months have now gone by. The $6200 would be useful in your cash flow. You have bills to pay, like anyone else. You try phoning again -- but now have trouble keeping the irritation out of your voice. Has that cheque been signed yet? Yes, they say, but it's with the book-keeper, who has a whole pile of cheques that need to be "entered into the comput

I just got fired 2 days after being hired. I worked much more reputable places than that. They fired me for non-compliance lol. I wouldn't comply with pretending to be a process server!! They're looking at a lawsuit!

ECG - Eastern Capital Group
Parent Company - Revere Recovery Group, LLC
Address - 80 FOSTER ST. UNIT 103, PEABODY, MA  01960  USA
Type - Collection Agency (not a law firm)
Owner - Mike Galavayo
Owner's Cell - 714-465-8581
Owner's Personal Email - mgalvao1978@gmail.com
Owner's Real Name - NARCISO M GALVEZ
Associated Name in connection with business - KEITH HUA
Business formation date - March 17, 2011

Now on to the fun stuff!!

FDCPA violations (too many to list... here's a few) -

1) Not giving the mini miranda on the initial communication.

2) Disclosing information about the debt to a 3rd party.

3) (my favorite) Outright lying. Pretending to be service processors by calling from a blocked number and giving their # as the filing firm (btw, not a law firm). This violates so many laws from the GLBA to the FDCPA to state laws.

4) Using non-registered alias'.

5) Threatening to sue on out of stat debts. If you don't know what the statuatory of limations in your state is, google it. A debt that's 9 years old in MA for instance, is out of stats. The debt is legal, however they can't report it to the credit bureaus or threaten to sue on it. Also, they have no litigation department. And all their debt is bought. Therefor when they say Orchard Bank is planning on suing you, that's a lie.

Plus they don't know how to treat a lady. I'm not saying I'm the most lady like gal, but throwing nasty, sexual slang around the office made it feel like an unsafe environment. Report this company to the Attorney General. If they're calling you, odds are within the first 10 seconds of the call, they've violated the law.

Most collectors are polite. Most consumers are not. If I call a guy about his bill and am polite, he'll let all his swears on me. So yah, I'm going to hang up on him. Then he comes on here and says I was a rude and abusive collector and he was as polite as can be. It's the nature of the beast.

I'm sure a large number of the people you speak with are rude but that does not make it right for debt collectors to be rude, abusive, lie, hang up on you, use illegal practices and refuse to provide paperwork re: your debt that you are legally entitled to.  

The FTC receives many complaints but  only follow on complaints when they see a pattern for a particular company - they can't all be lies....

The FTC receives more complaints about the debt collection industry than it does about any other industry. Overall, the number of complaints against all types of collectors (both in-house and third-party) increased. The FTC received 140,036 complaints during 2010, an increase over the 119,609 it received in 2009. Moreover, debt collection complaints constituted 27 percent of all complaints received, as opposed to 22.8 percent in 2009.

However, the complaints against in-house debt collectors (those that are employed by an original creditor) pale in comparison to those against third-party debt collectors (those who collect on behalf of the original creditor or who collect on behalf of debt buyers). The FTC received 108,997 complaints about third-party collectors in 2010, an uptick from 2009?s 88,326 complaints. Complaints about third-party collectors constituted 21 percent of all complaints to the FTC, which include those from a variety of industries. Those are big numbers.

Exactly!

pretty good considering ecg opened its doors march 7th so it would be impossable for them to sue you prior to that date not to mention that no collection agency can ever sue only the person who owns the debt and they do not own that debt the company that owns him owns that paper ps it is illeagle  to misrepresent yourself as a process server or to even use a collection alyias in most states and for those of you who feel off the turniup truck yesterday process servers dont call and give you heads up

I agree with you 100%. There are two sides to every story. I, for one, when I received (I am now out of debt completely) a call from a collector; if they were polite, I would be polite. But I was certainly not going to be polite to the rude ones. In all, I probably dealt with 6 different agencies and I would say I had no problem with four of them. Obviously, you have a job to do. If the person indeed owes the debt, why do they get rude and defensive? In my experience, people tend to get rude and defensive MORE if they are in the wrong than in the right. Why is that? And all the people who say these numbers keep calling and calling? Here's an idea; why not answer and find out WHY they are calling? Maybe someone stole your identity and charged up a storm and the agency is trying to collect the debt? Wouldn't you want to know someone did this? If they have the wrong number, HOW are they going to know they do (and, perhaps, stop calling) if you don't TELL them they have the wrong #? I will have to say that the majority of people on this site have a legit gripe but I've noticed that quite a few are just jerks trying to dodge responsibility. They are simply NOT the people to take advice from.

It's fine how everyone that complains never puts their real information. Let me tell you something. To get a collector angry and rude is not easy. We listen to you debtors telling how how terrible we are when all we did was call and politely ask you to pay. Then you come on here and complain and lie. I wish it was legal to post the recordings of the calls on here.

Collector - Good morning sir. Calling with...... about debt....... How would you like to resolve this today?

Consumer - Go eff yourself your stupid piece of sh**.

Click

Consumer then goes online and claims that they were very polite and the evil collector called and treated them like crap.

That's what the joke is.

In reply to the man that claims we're calling your mother in law.... it's funny how you left out a major chunk of the story. I guess you forgot to mention that when calling your mother in law, she at first claimed she never heard of the person in question (which was obviously a lie), then when we called back she said and I quote, "you pieces of s*** aren't getting a dime out of me" and slammed down the phone.  Forget to mention that?!  

Then you called the office and spoke to 3 different people and were rude and swearing to all 3 of them. And the intern you spoke to was a very nice young woman that didn't do a thing to you. She didn't deserve to be called a "stupid bi***." I have a half mind to put your cell # on here. How dare you call some young woman that?! You are damn lucky you didn't do that in person Mr. telephone tough guy.

Instead of calling and saying, "hey, I want to mediate the situation for my mother in law, can we work this out..", you called and started swearing up and down, cutting us off at every turn and calling us trashy names.

It's all on recorded line which we clearly said to you at the beginning of the call. So go ahead talk trash about us here or call the attorney general. We haven't broken the law and will be more than happy to play your voice swearing at us non stop like someone that has zero intelligence and lets their anger control them. Good plan!

You have absolutely no right to generalize the entire consumer population! The majority of the people on this site are not trying to get out of their debts; they just want to be treated respectfully and courteously. There is absolutely no reason whatsoever for these jacka** collectors to be rude the first time they call you! Whatever happened to the old adage "You can catch more flies with honey than with vinegar"? I personally am less inclined to pay back an arrogant collector. And the only reason I will is because it benefits me. But, believe me when I say this, I WILL file a complaint against these jerks when I'm done paying them. I'm so sick of these shills getting on here acting like everyone's situation is the same, that they are just deadbeats who don't take care of their responsibilities. Generalizing all debtors is almost as bad as generalizing an ethnic group. Are you a racist too? Sounds like you have it all figured out "Just You". I'd love to see your credit report, I'm sure it's not 805!

Hey "Just me"

I saw your note with the line "I contacted FTC to report treatment by these ECG or Eastern Capital Group and Ron Harper", and was just wondering....Is he related to the Prime Minister of Canada??

My opinion of the Prime Minister of Canada is very close to my opinion of the tactics used by disreputable telemarketers.

You are 100% correct. You cannot be arrested for owing any kind of debt; you can, however, be arrested for not showing up in court. Basically, the courts don't appreciate you not showing up and wasting their time. They have to get you in somehow; hence the capias warrant.  I googled "capias warrant", see definition below:


A capias warrant is issued to compel someone to do something. These warrants are usually issued for a person who owes money based on a court judgment or who fails to appear for a civil hearing. Capias warrants are issued by the civil courts, so they are different from criminal arrest warrants -- but that doesn't mean you can't wind up in jail on a capias warrant.