Good morning Marilyn i was just reading your message about Best Credit associates good on you i also was called by the same people. And they could not give me any informationon the payday loan. And they were lieing about you can go to jail. Because i am a Criminal Justice major and know that a payday loan is a civil offense not a criminal one. So if they call you again do not answer even if they try to get you to purchase a money pak card from Green Dot because that is how they get access to yourmoney and do not give them anydebit or credit card information they have scammed alot of people so far.Be blessed.

I recieved a call from someone stating they were from best credit associates telling me about a payday loan but they could not give me any information on the loan. Ithink it was a scam. So if you get a call from someone threatening to take you to jail don't believe them because payday loans are a civil offense and not criminal.

Payday loans are civil not criminal.  Debt collectors are not allowed to threaten you with criminal charges.  They are also not allowed to threaten you with filing a civil suit unless they intend to do so and depending on the laws of your state, they probably are beyond the statute of limitations to file.  Tell them not to call you at work.  If you can, get their address and phone information so you can send them a letter to cease and decist.  If it's legal in your state, try to record their phone calls (but check your laws first).  Also, report and and all information about this to the FTC at ftc.gov.  They have a link on their home page to file a complaint.

I've been receiving phone calls from this number for a week now, they call everyday, I di speak with a person briefly on the first day ( which was a phone call I should've not answered since in came up "Unknown" caller") . they said I will be arrested for a pay day loan from 3 + years ago, and that it is a government offense, like writing bad checks.  they call me at work at least twice a day, how do I get them to stop harassing me?

voice mail left on home phone for my sister who is married and has a different last name than me.

i got a call from this number saying they are from BC Associates, the man name is MR. Griffen.  telling me i owe a payday loan to Partner Weekly. They need my lawyer information if i dont have one then i am going to be sued. i they can not send me any proof they told me to wait for court.

I was just left a message, identified on my phone as "unknown" from Lisa Hudson concerning 114681 and was asked to return a call to Miss Rogers from BC Associates at this number, "877-727-3719" She claimed that if I did not make this call then an action against me or my social security number may take place without my knowledge. I called the number and it doesn't work.

I'm receiving a call from someone for Christina, "who is a person" of interest.  That is not my name.  The person requests a call back at this number and extension 1.

i received a call from this #

I Recived a call from them today. The vc mail said they where calling on a series of complant's against me. Ha, That is news to me! They said I have 72 hr's to comply or "they will send people to my place of work or home" They stated that the phone call was a formal notice and if I fail to comply I will be sent to court.

My question is, if I am not mistaken shouldn't a formal notice be something sent in the mail?

Also, I find it odd that they dont tell you from whom these debt's or complaints are coming from. If they are legit... I have know problem paying back what I owe. But I am sure as hell not going to fork over money when I dont even know who it is going to.....

i just got a call from this number stating i owe a pay day loan to partner weekly.  they are going to to take legal action aganist me if i dont pay the debit. when i tried calling the number back it was link to a fax machine.

I got a message on my phone from Lisa Hudson concerning 114681 asking me to contact Miss Rogers from BC Associates concerning some action that might be taken against me or my social security number without my knowledge. They gave the return phone number as 877-727-3719. The phone number doesn't work.

I got a phone call about my upstairs neighbor on my phone. I do not wnat this call again. I have nothing to do with him he just lives up stairs from me.

THESE PEOPLE HAVE CALLED ME AND THREATEND ACTIONS AGAINST MY SOCIAL SECURITY NUMBER

Ya they told me that they were also gonna make decisions on my behalf if I do not contact them.

SCAM

they are fraudulent. they are scam artists through some company called quick cash. do not verify your information and immediately check your credit report and follow this up. they called me and my mother in a 24 hour period telling both of us the same lie about a payday loan and neither of us have ever had a payday loan.

They me that they are a national network of attys and they want me to settle my debt from 6 years ago.

yes it is !  

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

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

My neighbor received phone calls from this multiple times in the past weeks; the msg that is left on my neighbor's voicemail gives my first and last name and states that whoever this is, is going to make decisions on my behalf and left my account number (for whatever this is) in the message on my neighbor's voicemail.  Even if I do have some type of account with these people, isn't it illegal for them to be giving this information to anyone other than me???

Who is this? The pukes won't identify themselves when asked.

have had 3 calls also.