Yes, you can be taken to court by a collection agency...I was! However, the court papers said I could make arrangements instead of going to court, and I did. However, there was ~still~ a judgement against me that shows up on my credit report.

Person did not id him self

I really don't think  wages can be garnished on unsecured debt.  google this

I tend to agree, except, nothing is lower than a lawyer.

If you send them any money even a dollar the debt starts over again. If it's past 5 or 7 years they can't touch you but I you make a payment they can sue you.

I got a call from this same number and he wanted to verify my name, birth date and address.   I told him I don't know who they were so I wasn't going to but he said he knew it any way so it didn't matter.  He got billigerent so I hung up.  

why they are calling me?? Im paying every month the debt via direct deposit  my last payment its in july so , I don't know why they are calling meeeeeee ;/

Yes they can take everything out of a joint account. Only a bank account that has a fed tax id (business bank) can not. I was a signer on my elderly moms account and they took her money. This was done after a judgement was placed on me.
Also my bank gave discover card a payment that was unauthorized and took all my money and made checks bounce. My bank closed my account and it was 5 years before I could get a personal account.

constant calls

You do nothing. He has no legal power to garnish your wages he is trying to intimidate you.

Ending the calls is your job. Your fellow readers of 800Notes can't do that for you. Your callers do not maintain this site or this web page. Your callers cannot magically determine which numbers should not be called based on anonymous comments. You cannot expect compliance with your orders until you deliver them *directly* to your caller.

Some FTC and CFPB material on US federal collection law, to help explain your rights and options:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

Stop these harrassing and annoying calls from this number that come in several times daily

From the Better Business Bureau:

Rating: F
Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that lowered Financial Recovery Services, Inc.'s rating include:

   Complaint volume filed with BBB for business of this size.
   Response to 62 complaint(s) filed against business.
   Resolution of complaint(s) filed against business.

Customer Complaints SummaryRead complaint details
62 complaints closed with BBB in last 3 years | 17 closed in last 12 months
Complaint Type    Total Closed Complaints
Billing / Collection Issues    50
Problems with Product / Service    12
Advertising / Sales Issues    0
Delivery Issues    0
Guarantee / Warranty Issues    0
Total Closed Complaints     62

Financial Recovery Services, Inc.
Find a Location

Phone: (952) 831-4800Fax: (952) 831-6700
View Additional Phone Numbers4900 Viking Dr, Edina, MN 55435-5302
Send email to Financial Recovery Services, Inc.
www.fin-rec.com
Additional Information
top
BBB file opened: 03/05/1998Business started: 02/01/1996
Licensing

This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:
Minnesota Department of Commerce
85 7th Pl E Ste 500
Saint Paul, MN55101-6013
(651) 539-1500
http://www.commerce.state.mn.us

Contact Information
Principal: Brian Bowers (President)Customer Contact: Brad Bowers (CAO) Wayne Kantola (COO)
Business Category

Collection Agencies
Products & Services

According to the information provided by Financial Recovery Services, Inc., this company offers services in collection.
Alternate Business Names
Financial Recovery Services of Minnesota Inc, FRS
Industry Tips
DEBT COLLECTION - YOUR RIGHTS
What are Fair Debt Collection Practices?

in response to portlander: Settling and talking to any debt collector is not the only way to stop them from calling. If you are in debt and can barely meet your essential bills, Rent/mortgage, lights, gas, water, car ins., phone, internet, and food...then you should not try and settle with debt collectors until you are in a better circumstance to do so. Lets say you are barely making your essential payments scrapping by, if you get sick and miss one day and cannot pay even one of the listed bills above then do not make deals or arrangements of any type with bill collectors. Why? Because when you make a deal with a credit collector for a percentage of what you actually owe, then you are going into a verbal contract with them and trust me they are recording every word. Say this debt was already on your credit report in collection status for 1 year maybe two. Let's even say you have already made 5 to  6 payments of $45.00, that is their lowest standard payment they usually try to talk everyone into,  so lets say you paid 5 x $45 =  225.00 paid towards a commitment of $600.00 but the original debt was $1200.00. Okay now, your payment due date is approaching and you cannot make the agreed $45.00 payment. Guess what happens? 1) You have broken the contract and any verbal agreement you previously made is now voided and the original debt is now back in play minus the $225.00 in payments minus any fees charged to make the agreement so now your back at square one probably still owing a debt $1100.00 because $125.00 went to the agreement fee. Lets not forget when you made a verbal deal with this collector you reaffirmed the debt with the collection agency who is now the debt holder. So that 5 years left you had on your credit report for the statutory of 7 year limitation is now reset to 0 years and 5 months. So not only did you break your back trying to pay the $225.00 but you have not made a dent in the debt, you have reaffirmed a debt and screwed yourself royally. All for what? Because your phone rings? Because you feel you need to answer it? People get real, you are in a financial crisis if credit collectors or calling you. The least of your problems is how many times your freaking phone is going to ring. 1) Change your phone number, you know how to call friends and family to give a new number. 2) Go online and pull up all accounts that are in good standing and give them your new number and make sure you opt out of any selling or giving your info to 3rd party bs. You have no extra money so you do not need to hear from their sister/brother companies. 3) If you do not want to change your number and you would rather hear it ring off the wall than to do a little work, then get ATT phone service and use there account management features to weed out all the the unwanted bill collectors. 4) do none of the 1-3 and just do not answer the phone. By law all collectors have to stop calling by 9 pm. If you see a number call your phone after 9 pm answer it find out who they are then proceed to tell them they have just violated the debt collection laws and that you are going to report them and file a complaint. I guarantee you, they will hang up before you even finish that sentence. Nine times out of ten they will never call you after 9 pm again. If they do exercise your right and file a compliant against them for real. The point to remember here is, if you cannot even pay bills that is essential to your daily living without struggling, why would you agree to pay a bill you know that you cannot pay. It's already a debt on your credit report, it has already done the damage. Trying to fix it when you are still struggling to feed yourself is not the answer...you are throwing away money, because you will eventually be late or miss a payment and void the verbal contract, you are only setting yourself up for more stress and a reaffirmed debt. Let the freaking phone ring, push it to voice mail, do what i call the "one- two punch", hit the answer/talk key, then the hit the end/off key. Bam bam no ringing no talking no voice mail. How easy was that? Mute your ringer, set a standard rig tone for all unknown numbers if you have a cell phone. That way, you know someone other than friends or family is calling you. There are so many ways to not have them be a pain your rear-end. Good luck everyone hopes this helps.

You should check on the Statute of Limitations for debt collection in your state. DO NOT give them any information. Some states it 5 years, some 7 but each state is different and what is covered under the Stature. If they are in violation of your states laws a letter from an attorney that knows debt collection can stop them.

Joint accounts don't work in New Jersey.  They can get a judgment and they will take the money.  I have had it done to me.

These people called my Mother looking for me!!! She doesn't even live in the same state as me & I've never listed her on anything!! Very resourceful I must say, but very invasive none the least. Nice try tho.

Scumbag collection agency. If they call you, just block the number and hang up. It showed up as "United States" on the caller ID

call me on sunday said the had a claim against me

6 years ago is the first message about this number on here. Let's all block it. The end.

From the looks of this board, this has been going on for SIX YEARS.
Let's all put this number on the blocked call list and move the f u c k on.

i got same call . turds

these folks also represent Bank of America. they have been calling me the past 8 months for a credit card account that I closed and took BOA to court on. so legally, they arent supposed to be calling me since this matter is in litigation but the pinheads persist.

They are pulling a "bully" tactic. The threat of garnished wages or trouble with the law is usually enough to scare most people into paying money over the phone. DO NOT DO THIS!!! Legally they have to send you documentation, if you request it, showing that what they are trying to collect is indeed a legitimate debt. If they refuse to do so and continue with the "bully" tactics, invest in a recording device and inform them that all of your incoming calls are being recorded. This usually forces them to back down and gives you the upper-hand. If it doesn't work and they continue the "bullying", you will now have recorded evidence and be able to go after them for harassment.

I think this 877-288-9426 is asking personal infomation as your date of birth etc. for fraud!  Be careful!

People from this number keep calling me and asking to pay with electronic check or credit card. Also he gets rude and mad with me.

RECEIVED CALL ON MY PHONE 877-288-9426 DIDNOT ANSWER IT BUT PLACED THE NUMBER IN GOOGLE AND UP POP'S THIS WEB SITE. THIS IS GREAT IT TELLS ME WHO THESE PEOPLE ARE ETC. ETC.

Debt collector Financial Recovery Service.

They call every day with different numbers and are rude.

You can send them a "cease and desist" letter.  The law prohibits collections calls to the employer.  It's a $10,000 fine per violation.  See the Federal Trade Commission's website.  However, create a paper trail.  Play the same game.