they are keep calling me, why?

The right to collect is a legal right; I think it's up to you to decide if it's morally right. I think it's OK to collect as long as you do it ethically. The financial state of the debtor may dictate how fast the debt can be repaid. Ethics means giving the debtor as many breaks as you can get away with but you have to let the chips fall where they may and not let your personal feelings get in the way.

*Sigh* You're either missing what I am saying, or I am saying it incorrectly. A lot of people would argue that due to the current/former economical status, collectors are in the wrong because they pursue people for debts that may have been taken out at a time of greater prosperity. Though it's black and white, you borrow, you return, as a human being it isn't always easy to not sympathize with some of these people. Perhaps ethical isn't the right word...but morally? If you pursue a debt ethically, but still feel uneasy morally, are you in the right? For years I've said yes, but now it seems that with the way the economy has dropped that I could have just as easily become one of those people.

Your reply is puzzling. Debtors' circumstances have no bearing on the ethics of debt collection. Collectors are expected to behave ethically regardless.

And that's a fair standpoint. When I say not the most ethical job, I mean in in the sense of, I am paid to collect on a debt, that perhaps the individual  had legitimate reasons for holding off payment, or completely forgot. We're all human, and are subject to human error. Talking to individuals whom were laid off, spouses divorced them, or other circumstances out of one's control, isn't something I enjoy doing. But yes, fraudulent companies will forever be fraudulent companies, until they choose to exist otherwise.

I disagree with "it's not the most ethical job in the world." I say it's as ethical as any other job when collection activity is properly done as one would expect. CS's collection practices are illegal per the FDCPA and cannot be excused by "a collector got stern with you." CS has the power to reform its collection practices and until it does, it'll be treated like a scammer.

I have been in debt collections for almost 10 years. Though it's not the most ethical job in the world, it's still a job that needs to be done. Payday loans, credit card loans and student loans all have one thing in common..they are loans! They need to be paid back! I agree that there are right ways and wrong ways to go about collecting these debts, but don't try and play the victim because a collector got stern with you. It shouldn't be on us to get YOU to pay YOUR bills. You look at us like we are the bad guys; just remember it was your lack of moral integrity that landed you in debt in the first place. I AM NOT justifying the actions of immoral collectors, but I am saying that a lot of you need to get off that high horse you are riding and own up to your responsibilites.

Amusing to read though ^_^

Scammers and their shills hate being outed.

Well, you didn't make an error in this thread, no. But, you should have seperated, "Give it up. It's juvenile." with comma. But no, you aren't wrong, really.

So much hate on this thread!!!!!!!

As I've mentioned earlier, you need to understand your rifle won't do much good against a scammer who uses a telephone - you need to rethink this lust for action.

Short of talking and taunting, unless you care to supply proof, your service to this fine country with respect to scammers is precisely zero.
I fail to see how being behind a rifle has anything to do with poor spelling. I know several ex-servicemen, many of whom spell perfectly well and all, unlike you, don't flaunt their service or gloat over others' poor spelling - it's simply bad form.
"behind a desk giving bjs for grades" is yet another false assertion and a clear indication you've lost the debate.
"I was behind a rifle protecting your freedoms" isn't much good here as scammers aren't after my "freedoms" and a rifle's pretty useless against a scammer who uses a telephone.

And my service to this fine country far exceeds talking and taunting, of that I can assure you. While you worry about scams and harrasing calls, I'll deal with the real issues at hand. Again, goodbye shill. Oh, and my spelling errors, while you were behind a desk giving bjs for grades, I was behind a rifle protecting your freedoms.

All talk, no action. Goodbye shill.

No, *you* incorrectly spelled "anynonmous" in your first post on this thread, as in "anynonmous why dont YOU call the bbb and get this shut down" and I merely quoted you. I haven't made any spelling error so far on this thread. You've made several - just read your very first post and count them. Give it up. It's juvenile.

"Dont talk about what you can do, or what you will do. Just do it" is another false assertion. I haven't discussed what I can or will do as you falsely allege, and what I can or will do is nobody's business. Your demands to "do it" will get you nowhere.
"Your nothing but a pretender, an internet tough guy that uses fancy lingo to get people going, but stops short of the main goal, and thats to actually beat these alleged scammers. That makes you a shill" is clearly an incorrect meaning of "shill." Look it up before your foot slips past your mouth and down your throat.

I only called you a shill because shills are on this thread, I point them out, you send me on a wild goose chase with a capitalized "YOU" - well, can you be a shill?
"talking about how they want to change something and fail to do it" are false assertions. I never said I wanted to change anything, you chose to read that into my posts. How did I fail at the "something" when the "something" never existed in the first place? You are "Sick of a country that prides itself on talk, and no action" and your solution is talk and taunt others into fixing this problem for you? What have you done yourself besides talking and taunting?

And you can't even spell your own name correctly! You're probably will/tammy taking a new tact. Simply disgusting.

You keep yelling shill shill shill to everyone who thinks you are an idiot, a loud mouth do nothing. Which is all you are. Dont talk about what you can do, or what you will do. Just do it. Your nothing but a pretender, an internet tough guy that uses fancy lingo to get people going, but stops short of the main goal, and thats to actually beat these alleged scammers. That makes you a shill. Loser.

Actually, I'm not a shill at all. I'm just tired of people talking about how they want to change something and fail to do it. The individual whom I responded to was saying BBB or whatever, so instead of talking about it just do it. Lacks authority? Fine, then go to whoever the hell has the authority and stop this scam. Sick of a country that prides itself on talk, and no action. Pathetic.

Alex is another scammer shill and "anynonmous why dont YOU call the bbb and get this shut down. if its a scam shouldnt be hard should it" is a wild goose chase (the BBB lacks the authority). Good, must mean I'm gumming up the scamworks.

HA! Did anyone else notice that "Tammy" and "William" are both misspelling the same words? Looks like they may be one and the same person! LOL! "William/Tammy" is talking to themselves! What a JOKE!

Yes, very much so. Thank you.

Claimed to have papers that needed to be served and I needed to get a message to an employee of mine. I thought it was odd that they didn't ask for my employee directly so I called the number back.  They asked if I had a claim number for some case that they claim is federal and has pending charges.  What they want is for the victim to pay an amount and supposedly the "case" will go away.  They don't give any information out and don't tell you anything stating that they don't know anything other than they need to pass information along. Its a case of fraud. Thankfully there are websites like this that other people have already posted their experiences.

They claim to be calling about "charges" and having to serve process documents at your place of employment.  What they are doing is illegal. Ms. Moss called and is the same voice that "answers" the phone.

It's very difficult these days because the "legit" agencies tend to act outside of the FDCPA requirements just as much as the scam agencies. For starters, if you read up on the FDCPA (Fair Debt Collection Practices Act) you will be able to tell if they are breaking any of the "rules". Please do not listen to the shill posts, the ones that recommend you just pay this because they've been served or what not. Their posts are obvious lies, "William" for instance, claims he got caught for a "bad check" for not paying a debt. THAT IS INCORRECT. Bad checks are a criminal matter, while debts are civil. The only thing an agency can do is sue you in court. Did the caller give you their name and the company name? If they refused to give it to you, they are probably a scam. Real collection agencies do not hide! If it has been 5 days since the first time they called, have you received any notification in the mail regarding this debt from them? If you haven't received anything, they are probably a scam. If you google the agency's name, do you get any info besides a link to this site? I'll try to help you figure out if this is legit or not. First, please go to the following site, where you will find a list breaking down the basics of the FDCPA. (www.creditlaw.com) Then you can post whatever information they gave you and what they said to you and I'll get back to you to let you know what I think is up. Trust me, I will not steer you wrong. I'm just trying to make sure that everyone who comes on this site learns about their rights before they make a decision to pay. And for the shills: I do not condone not paying one's debts, I also do not condone paying them to someone who is collecting them illegally. So to all you shills that'll say I'm an idiot, my statements are supported by fact, your statements are only supported by you and they're asinine statements too. Talk about fiction!  Hope this info helps, "question"!

Gee William, that is the most obvious shill story I've ever read! You cannot be found guilty of check fraud for an unpaid debt! PLEASE NOBODY LISTEN TO THIS SHILL NAMED "WILLIAM"!!!! Check fraud is a criminal offense while a debt owed is civil. If you don't believe me, please google it! I would investigate this company that's been calling you and if you can find that they are real, call them and tell them you need validation of this debt. If they refuse to send something, tell them they'll be hearing from your attorney. Meanwhile, please take a look at the Fair Debt Collection Practice Act. It will tell you exactly what a debt collector can and cannot do. Tell you that you can be arrested for owing a debt is something they CANNOT do. You can find a list of the basics of the FDCPA at the following link, there is also some information regarding your rights and a list of active debt collection agencies in the U.S. I'm going to take a look at the rest of these posts for this phone number and see if I can help figure out it they are "legit" or a scam. PLEASE PLEASE PLEASE DO NOT LISTEN TO "WILLIAM", HE IS JUST TRYING TO SCARE YOU INTO THINKING YOU NEED TO DO SOMETHING ASAP!! The debt collector must give you 30 days to dispute a debt so you have time! I'll post anything I find about this number as soon as I find anything. Thank you...

Ive gotten calls from this number for somebody Ive never heard of before. Siad i was a reference or something. anynonmous why dont YOU call the bbb and get this shut down. if its a scam shouldnt be hard should it. Other wise i just asked to have tmy number removed and they said thatd be fine.

How can I tell the difference between a legitimate collection agency and a scam?