I'm going to take a wild guess here & say this may have been written by a Mr. HOWARD GNATOWSKY.  Either that, or someone that used this service, googled their phone number even though they obviously already had the number, found a website complaining about a call service, and chose this forum to put in a good word for MHS.  Yeah, that's probably more likely.....

Really? Mr. Higginbottom? I kinda think this may have also been Howie..

I'm going to take a wild guess here & say this may have been written by a Mr. HOWARD GNATOWSKY.  Either that, or someone that used this service, googled their phone number even though they obviously already had the number, found a website complaining about a call service, and chose this forum to put in a good word for MHS.  Yeah, that's probably more likely.....

THIS CALL DID NOT COME FROM THE OFFICE OF MHS,INC. AN OUTSIDE SERVICE FROM PANAMA UNAUTHORIZED MADE THESE CALLS.
     THEY WERE STOPPED QUICKLY ONCE WE FOUND OUT
                                     HOWARD GNATOWSKY

WRONG INFO SORRY!!!!

YOUR INFO IS NOT CORRECT AT ALL.
    THESE CALLS CAME FROM AN UNATHORISED SERVICE OUT OF THE COUNTRY
SORRY FOR YOUR TROUBLES IN THE PAST. WE DO NOT CONDUCT OUR SELFS THIS WAY.
BEEN IN BUSINESS 35 YRS,NEVER HAD THESE COMPLAINTS BEFORE.

WRONG INFO MHS,INC. NEVER CALLED

WOW! WHAT A GREAT COMPANY AND SERVICE!
 MY REP IS WONDERFUL AND HELPED ME UNDERSTAND HOW INSURANCE
PLANS WORK TO SUPPLEMENT MEDICARE A&B.
      HOPE EVERYONE HAS THE SAME GREAT HELP I HAVE
         MR. HIGGINBOTTOM

MATURE HEALTH SERVICES HAVE BEEN WONDERFUL, MY AGENT MR. KATZ HAS HELPED ME SAVE MONEY ON MY PAYMENTS FOR INSURANCE ,ALTHOUGH MORE THAN THAT
MY CLAIMS ARE ALWAYS PAID. I NEVER HAVE TO WORRY BECAUSE THE MATURE HEALTH
SERVICES PEOPLE ARE ALWAYS ABLE TO HELP ME.
      THANK YOU SO MUCH FOR ALL YOUR HELP, HAPPY HOLIDAYS
                                                   MS. FRAN JONES

THIS WEB SITE NEEDS TO BE REMOVED NOW!!!
       ALL OF THIS HAS TO DO WITH A CALL CENTER CALLED NARS IN 2009
       MHS,INC. TRIED THEM AND THEY FAILED! THEY DID EVERYTHING WE ASKED THEM
       NOT TO DO!  
                     MHS,INC. FIRED NARS QUICKLY!   THIS IS NOT CORRECT OR GOOD FOR
           ANYONE AT ALL!!!  SORRY NARS WAS EVER HIRED AT ALL.

Got a call on 11/2/09 at 0907 hrs.  Did not answer and they didn't leave any message on the answering machine.  Same routine as on 10/30/09 at 3:41.  I just never answer any toll free calls.

This appears to be a definite ILLEGAL Telemarketer for those on the dnc registry list.  Complaints need to be filed with 1) DNC.gov 2) FTC.gov 3)FCC.gov and your State's Attorney General.  If 1 & 2 see a pattern (i.e. multiple complaints) they will investigate and file necessary charges.

Could be the person above is a former Medicare Insurance employee, and is now working elsewhere.  If that is the case, he would've had access to information regarding Medicare beneficiaries . . . .or those receiving Medicare coverage.  A USB memory stick is all he would need to download the information needed to contact people on Medicare.  

This one needs to be stopped!!!!! Now for those of you receiving calls from Collection Agency's:

OK Guys, PLEASE Read This!!!

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
 Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

The person on the phone from 877-728-2334 said her name is Chris Moke and she is from Medicare and was calling to make sure I received my 2010 Medicare booklet.  She then proceeded to ask me for some personal information to verify she had the right party.  I did not give her any information.  She then said goodbye.  Is this really from Medicare or a scam phone call?

Calls every morning at 10:15 AM. Never leaves any message. I do not answer these calls at all

picked up call no one on line

I also hit redial and got hung up on w/o being answered. I called Mature Health Services and eventually had to ask for the spvr or mgr of the marketing dept. I did speak with mgr and she said that they only call locally but they used to use a service to make calls. She said she would investigate and I told her that I would answer the call next time to get any info I can. I told her about all of the complaints associated with her company and gave her this website where I got their number. I told her that her company is getting a bad reputation because of these calls. Her name is Cathy Wise, appt setting & marketing manager. I hope that now the company knows this is going on, that it can contact someone to make it stop. Because do I not only have my home number on the DNC list, I have it on my cell phone. They call both phones and never leave a message.

Had 12 calls yesterday on my caller ID when I got home around 5:30pm from this number.  One call out of 12 had a message, said something about Medicare, could not understand what this person was saying. They start calling 8:30am & continue to 8:58pm

This appears to be a definite ILLEGAL Telemarketer for those on the dnc registry list.  Complaints need to be filed with 1) DNC.gov 2) FTC.gov 3)FCC.gov and your State's Attorney General.  If 1 & 2 see a pattern (i.e. multiple complaints) they will investigate and file necessary charges.

Could be the person above is a former Medicare Insurance employee, and is now working elsewhere.  If that is the case, he would've had access to information regarding Medicare beneficiaries . . . .or those receiving Medicare coverage.  A USB memory stick is all he would need to download the information needed to contact people on Medicare.  

This one needs to be stopped!!!!! Now for those of you receiving calls from Collection Agency's:

OK Guys, PLEASE Read This!!!

Debt Collectors ? Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I?ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
 Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

Regarding above posting....Caller said THAT HE WAS WORKING WITH SECONDARY......

Caller ID 877-728-2334 several times recently with no company name given. This time I answered as I was expecting a call......  Voice on the line asked about getting the medicare annual booklet.  I said yes and he said that there was not correct (or something to that affect) and THAT HE WAS WIRJUBG WUTG SECONDARY HEALTH INSURANCE PROVIDERS when I asked him who he worked for.  The man had a a slight accent caused some difficulty in understanding me.  I asked the guy "do you know if I have a supplemental health ins provider?  Hesaid no and I continued, then where did you get my number....have I ver done business with your firm......and I am on a no call list...... he flustered and said he couldn't deal with me.... hand dropped off the line.

These jerks keep calling me and I have repeatedly told them not to, and I have it listed with the do not call registry.  They refuse to listen or co-operate, why doesn't the government do something?

Based on the above entry for Howard Gnatowsky, Owner
Mature Health Services, Inc.
H&S Insurance Services
Palatine, IL
There is a Howard Gnatowsky that lives at 2388 Oak Hill Drive, Lake Barrington, IL 60010-3898 with an unlisted  number. These two cities are fairly close together, my guess it is him. Perhaps if he got requests by mail from about 10,000 complainers it might wake him up. Our call came in after 8PM and just makes me angry, its not the first time.

This number called my phone using the 800 Service people, who are notorious for being unavailable for complaints. We just don't answer our phone anymore using caller ID when these kinds of calls come in.
Also have a message for them telling them we are on the NDNC list and do not answer unidentified calls, or else leave your message. In almost all instances they just hang up.

The telemarketer hung up when I started complainging about getting a call. So I hit redial and it rang and rang and rang until the system did that thing to make you hang up. Obviously it's an outbound only telephone number that does not accept inbound calls. So I Googled Mature Health Services and found their office phone number. NOTICE THAT THEIR OFFICE NUMBERS ARE NOT THE NUMBERS THEY USE FOR TELEMARKETING!
Here's the info
  Howard Gnatowsky, Owner
  Mature Health Services, Inc.
  H & S Insurance Services
  579 First Bank Drive, Suite 100
  Palatine, IL 60067
  Telephone No: (847) 934-1515; (800) 624-8486
  Facsimile No: (847) 934-7691

Called that number and someone answered it. When I asked about being called even though the number is on the DNC list I got all kinds of sweet talk about sorry for the inconvenience but when I asked if it wasn't illegal to call the call was transfered to a supervisor.
Why should each of us have to waste our time calling companies to tell them we're on the DNC list so that they can sweet talk us and promise to take our number off "their" list while leaving thousands? millions? of DNC numbers on "their" list and telemarketing them?
I wonder how they'd like it if I called their fax number and inconvenienced them by tying up their fax line just as they tied up my home phone?

they keep calling even though they were told not to.
How do I file a complaint with a gov't regulatory agency about them?

My wife received a call form this number and was told that we are going to have to pay a lot more for our medicare coverage but they would send someone to our home to explain all the details to us.  When I called the number to get more info no one answered.  Hopefully someone will call back to confirm the appointment at which time I will cancel it!

//wanted to know if I received a red and white medicare book, if not there were people in the area that would hand deliver the book..told them not interested and not to call again.