WERE IS THIS NUMBER FROM ???

Have been getting calls from this number for a year now stating that there is an important legal matter that I need to call them back about. Recently I finally got a hold of them and the rude man yelled at me saying that I had filed for bankruptcy and had been writing bad checks, which is untrue. I filed a complaint with the attorney general and they said that these people try to scare people into thinking they owe money. It is a scam. Report any calls you receive from this number to the attorney general!!!

Got dead air.

just got the same call but from my moms house she didnt even know who they were calling for SO she called her voicemail wednesday afternoon and it said hi this is mr yardley i got your file on my desk and need you to call me back at this number by 4 pm or i have to make a decision my mom called and said who are you calling for he sais so and so my mom said thats my son well he missed a court date and were gonna proceed with this if he doesnt call me back by 4 pm she said well he is a grown man he doesnt live here yardley says well why is he giveing mommys number then 'jerk" he told me to call him at this number eastern standard time at september 11 "liar" she said well obvious you got the wrong number man were in pacific standard time you know mr yardley she hung up and she knew something wasnt right a legit call wouldnt be telling people why is he giveing mommys number then and if you miss a courtdate aint no one gonna call you and tell you right????

Got the same call as everyone else.  I read all the above posts and gave them a call back.  The girl on the other end knew the phone number I was caliing from, but asked my name.  I told her "you tell me.  If you have my number you should certainly know my name!"  I went on to tell her about all the "scam" postings for her call center and she quickly asked for someone that doesn't live at my home, nor do I know.  She questioned if I knew the individual and I told her no.

got the same call today from a mrs henly too. She said i had ignored their attempts to contact me for several days although this is the first call ive gotten like this and that they wanted to give me a chance to give my input on the matter before making a decision without me an gave me til 6 to call her however they never used my name an they called an old number that i dont use anymore but have the messages forwarde to my new phone. They arent getting a call back from me i didnt like her threatening tone. If their real than ill see em when they take me to court

its called ILLEGAL COLLECTION TACTICS  


1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
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 (www.naag.org) and the Federal Trade Commission (www.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 debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There?s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors ? or if you dispute the legitimacy of a debt ? a debt collector may contact you.

?Time-barred? debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General?s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a ?debt collector? generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt ? or any debt for that matter ? can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don?t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you?ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you?ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again ? except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn?t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney?s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
October 2004

they called my house and said they would make a decision if they had not heard from me by 6 pm today said t
her name was mrs. henly

I received the same type of message today. As a former debt collector I'm letting you know that we would leave at least the first name of the person we are trying to reach, that way if we are calling the wrong number, we would get a call back to let us know. Something is not right about this call.

Good grief! I got the exact call today (Sept. 16th) from Mr. Yardly with the very same threatening tone and exact message as Laura, annoyed college kid, joe, urgh!, and Dork!!! Can't be a debt collector because I pay everything on time every month!! This has to be someone trying to get personal information when you return your call.  Makes me mad to think my elderly parents would receive a call of this nature and be scared half to death and return the call or even worse answer the phone!!! Not sure what can be done about these bogus calls!!!!  People calling you with real issues will at least tell you who they are with and what the issue is in reference to!

Just got a call from Mr. Yardley telling me I need to call him by 6PM on sept 15th.  It is the 16th today!  If he doesn't know me by my name, then he will not be getting a call back from me.  He threatened that he will make a decision without me if I did not call back.  I have no clue what this "important" matter is.

I got a call saying that I had to return his call by 6pm theirs a situation in his office that I've ignored or failed to respond to over the past several days or else they'd make a decision without my input about something he won't leave on the message of the SITUATION.      this is a SCAM. . . can some one find out who this is. . . .

Mr Yardley was the caller's name, also very demanding asking to call them back no later than 6pm. This Mr. Yardley did not say who the call was for????

I got a call from a mr yardley saying that I had to return his call by 6pm or else they'd make a decision without me about something he won't leave on the message. I've gotten this call several times and they never say to whom the message is directed to. Must be some sort of scam, but seriously, its really annoying.

I received call from Mr. Yardley saying I have ignored their phone calls?  I haven't received any??  I must return their call before 4pm or they would take action.  Who what where?  If any one here has a Chase Mortgage, I am wondering if this is connected?

This number left  a threatening message on my 14 year old's cell phone.  He has had this number less than a week!
They told him that he had to take care of the problem today in their office or else.
Message left by Mr. Yardley.

I called and spoke to three different people, James, Jackie and Mrs. Wesp.  All hung up on me.  No one wanted to claim responsibility for these misdirected calls.

Answered Region Asset Management  US Bank Divsion.

Please, someone find out who these people are, so they can be held responsible!

Same call here.  There appears to be no information to this phone number.  I guess we all will see each other in jail after 4pm.  Threatening and intimidation just doesn't need to be allowed even if he is some collector.  Most of us are responsible people, if this was real they would leave information as to what they are really calling about.  I believe this is grey lining the laws of collection or perhaps someone trying to obtain personal information for illegal purposes.

Got a very demanding voice message from a Mr. Yardley who said, "I require your call today, 9/15, by 4 PM.

i got a message from this guy too ... sound like threaten that i have to call back today sept. 15 and by 4pm......watever ......scam

Got a call from this number from Frank Swartz.....never heard of him........sounds like a scam

Frank Schwartz called last week.  Phone 877.591..7646  I listened to the message twice and there was talking in the background....maybe there is a call center?

Called the number back and it said "please hold while we connect you"  Then it put me on hold and says that the person at that extension is not available.  Probably a debt collector

Received msg yesterday from Trent Schwartz - to the effect of not able to contact me via voicemail, must be called back before  6pm.  I called next day from generic phone, got automated response to put on hold while being connected.  Then msg that said person at the ext was not available and for me to leave msg.  I hung up.

Recevied a call that said "we have no been able to reach you for two weeks and it is imperative that you call me back". Used the name of "Theodore Goldstein".

I got the exact same message today. Probably a scam. I have no intention of calling him back. If its that important, he can send something in the mail.

That is interesting.  I received a message from this number today telling me to call a Frank Rubenstein.  If they do not know their name, they do not deserve a call back from me.

got message that had tried for 2 weeks to reach me and it was imperative to call back today.   i have had no message from this number.  Gave name as Frank Swartz.

got  a call from this number. who is this guy?

Donj't know who this is.