855-833-9561
jay
jay
2013-10-01 18:51:09
Unknown
person called my sister how they got her new number don't know. but anyway they were looking for me. she said that they sent me some papers about a ssn being used by someone to summons me to court. for what don't know. number was 1-855-326-3712 ext. 403
TT
TT
2013-09-24 23:29:44
Debt Collector
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 (naag.org) and the Federal Trade Commission (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.
reported these people for FTC because they are breaking the law:

They contacted my relatives and said that I have committed fraud and am being sued:  They used all kinds of scare tactics to obtain information about me unlawfully:  They ARE breaking the law and I intend to prove it:  I am recording all of their telephone calls and I have provided all of the harassing voice mails to my attorney for prosecution  I advise you to do the same so that they will stop their illegal activity:  My relatives are have several recorded conversations where they have told them that I am under investigation for committing fraud and that I owe a debt and are being sued:  It is illegal for them to provide information to a third party other than my attorney in regards to my debt although I don't' owe a debt:  I can't wait to see them in court for their fruadulent and criminal activity;  

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 (naag.org) and the Federal Trade Commission (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 credit-related issues, visit MyMoney.gov, the U.S. government?s portal to financial education.
Dan curry
Dan curry
2013-09-24 18:08:26
Unknown
Getting threatening calls for a female named Cynthia Cisneros / or Trujillo everytime I ask can your brown to speak with a supervisor she makes a smart alec remark and hangs up on me
Tonya
Tonya
2013-09-17 13:41:53
Debt Collector
I received a call from Joseph Allen working for Security Processing Bureau using number 855-326-3912. He told me I could resolve the matter through him or I could set up a time and place to meet someone to be served so they wouldn't serve me on my job.
Tori Sherrill/ Mary Clark
Tori Sherrill/ Mary Clark
2013-08-29 15:55:25
Unknown
Please stop calling and harassing!!!!!!!!! I don't owe nothing!!!!!
Brenda
Brenda
2013-08-02 16:56:12
Unknown
Called my number and I told them to cease and desist and they kept right on talking.
New Info
New Info
2013-07-17 19:45:21
Debt Collector
They still use Security Processing Bureau but are going by another number: 1-855-326-4816. Don't know the person they calling for.
kamjes
kamjes
2013-07-03 18:12:57
Unknown
hey

I got a call
called them back
they were looking for someone who listed my cell # as contact
obviously an old number, re-used given to me 7 years ago
the name she mentioned are names that I recall getting calls for off and on many years ago
it has resurface with these guys
maybe an old debt???
sounded legit
they said they would remove my number
Gunnar
Gunnar
2013-06-27 19:12:06
Unknown
You weren't served, you're a lying SHILL for a bogus, or fraudulent, debt collection outfit. Prove me wrong! Let's hear your docket number, the jurisdiction, the legal names of the plaintiff(s), their legitimate address, their legitimate phone number, their license numbers & and the states they're licensed to collect in.
We won't hear a thing back from you & if you're stupid enough to think you can get away with blarney....try us!
Skeff Ett Liv!
Gunnar
blwme
blwme
2013-06-27 19:02:20
Debt Collector
i wish i could sue ALL of you people on here!!! i listened to your bullcrap scam comments and never called these people back! now, i've got court in 3 days! got served with a summons at my house right in front of my 83 year old gran'ma! she was scared shitless!
m
m
2013-06-26 14:58:41
Unknown
What a pile of horse manure.  How many times have we all read this before.   "Ignored the other posts,  then got served"     Another scam booster at work...
k
k
2013-06-26 14:55:12
Unknown
same old  cut and paste shill post trying to make the scam believable.
Penn.
Penn.
2013-06-26 14:14:05
Event Reminder
Didn't have such a bad experience with this company. They helped me resolve my issue on something I had been trying to get information on for years. Actually glad they got a hold of me; been trying to get my affairs in order to buy a home next year. Some of the messages were kind of tough, but the young lady who answered the phone was pleasant and very helpful.
anon
anon
2013-06-11 21:58:44
Unknown
Called my hubby about a month ago, phishing for info about me.  These people seem to be looking for financial information.  Called my bank to ensure all was good there and advised them to keep an eye on my account.

Today called my parents, about serving me.  My dad said, "you don't call someone to serve them, so what is the point of this call?"

GUARD your information people.  Many people get rattled or intimidated, caught off guard.  I work in the financial services sector and we see intimadation scams all the time.  They know just enough about you to get you to give more info.
bob
bob
2013-05-30 18:57:04
Unknown
All this month I been gettin this call and today they been calling. My phone 3 times and won't leave me alone
Cassie
Cassie
2013-05-28 16:29:35
Unknown
Called my cell phone several times.  Always says "you must get council, and we must get this issue resolved."  Called them back and left a message on their voice mail to stop calling or else I would call the police and make a formal complaint.   The recording was threatening.  I am making a complaint to the Do Not Call Registry.
LAP
LAP
2013-05-26 19:25:43
Debt Collector
These people have called my home phone number several times in the past two weeks.  They ask for a person who does not live at my address and does not use my phone number.  The callers refer to a "check which has been returned" and leave this phone number as a callback.  Since the matter is of no concern to me, I have not called them back.
PrettynPissed
PrettynPissed
2013-05-23 16:45:08
Political Call
Got a call from this number, I read this post and ignored the calls based on the information posted. Two days after the last call was received. I was then served by a man at my place of employment I refused to accept any paper work from this man, he than showed me his badge stated that he was a certified police officer currently working as an independent locator. Officer did have a gun which i feel was unnecessary seeing how i work in a "elderly" nursing home. I showed the documentation to an attorney and she verified that the summons was legit and i now have a court date. I'm pissed!!!! I don't have the time to take off of work for this!
UnAlarmed
UnAlarmed
2013-05-21 18:09:21
Unknown
This is a fraudulent company.  I would not allow them to threaten you, they are very idle trust me I have had 1st hand experience with this company.  1st of all when the court summons you they do no call you the Sheriff just shows up and delivers the papers and that's that..  They ask you to call them back to resolve the matter...for what? if it is already in court...then the only way to resolve it is to go through with the so called "proceedings" right? Do not give these people your money or give them any information.  Unfortunately it is hard to get them to stop calling but just simply stop answering eventually they will go away. If not then they can either get the dial tone or the answering service.. Or better yet if you feel like venting to them about the scumbug lowlife's of the world which includes companies like theirs than feel free to entertain them they need to feel like they are doing something great...anyway Good Luck!
A. Nonie Mouse
A. Nonie Mouse
2013-05-19 05:01:28
Unknown
The 855 service code is merely another code added by cooperation of the North American phone companies and regulatory agencies to expand the number of available toll-free numbers.  "855" numbers are in every respect just like 866, 877, 888, and 800 numbers.

See http://www.nanpa.com/ or more specifically, search for "855" at http://www.nanpa.com/enas/npa_query.do

Also, see the FCC's web page about toll free numbers at
http://www.fcc.gov/guides/toll-free-numbers-and-how-they-work

It's hard enough to trace unwanted calls without having to squelch false rumors like yours.  So, unless you are going to ask the Mythbuster to try to confirm it, let's put this urban legend in the garbage bin, where it belongs.
Not B. K.
Not B. K.
2013-05-19 03:50:55
Debt Collector
Have received three threatening calls from this number.  All went to voice mail and are recorded. First male caller stated calling from the Security Processing Bureau and claim to be calling B----a K-----y.  Man states he is Anthony Murphy.  Second call was from Denise Ziggler stating a summons was being issued for this same unknown person.  Third call from a male indicated was due to a returned item from the same unknown person's bank.  Gave a file number, etc and requested call back.  Have no clue who they are trying to reach.  

Not sure what is going on, but understand that the 855 area code is reserved for individuals and small companies.  Not free to call them back!!!!
tjr
tjr
2013-05-16 17:21:29
Prank Call
Getting a threatening call from a guy named Freddie King stating a claim is being filed against me.  Claims I never responded to emails or mail, that I actually never received.
Lilia
Lilia
2013-05-14 19:57:29
Prank Call
Getting  call from this guy name Frddie king
1-954-703-1512 1-954-495-9548 1-717-330-4705
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