http://berkeleyandassociates.youarehr.com this the worst job I ever had

I work for these scam artists now it's the worst job ever, I harass old young and family of the decease. I hate this place it's actually Berekley Hughes & Associates down here in Charlotte

Oh I doubt it would be brought to court by someone like you.  Without that validation letter with proof of your ownership and right to legally claim and collect in my state,  plus all of the other information that I would demand,  and keeping in mind that you wouldn't get to first base because of Statute of limitations,  I would be happy to see you attempt to fraud me through the court system.   You are a low life maggot.

Loan dementia???   Forgot about a loan??   Stupid Shill..

Nice try Fraud-boy!  But you've failed, again.
A debt collector is REQUIRED to mail (NOT e-mail or fax.) you a notice of validation within 5 business of initial contact. Pay NO collector a dime until you have received and VERIFIED that notice.
It must really suck to be a two-bit, bogus debt collector. We don't feel sorry for you though. God gave you what you deserved!
Skeff Ett Liv!
Gunnar

Isn't it a little early for a smoke-blowing FRAUD to be posting Shill-sh*t?  Where do they train frauds like yourself? Is there a school in Ahmedabad where they offer courses in being a cheat?
Every one that finds this site learns of their rights under the FDCPA. That angers frauds like you, doesn't it? Oh well, that's a part of the fun here. We love to p****off frauds.
So now we'll just blow your crooked rump out of the water. NO one should EVER pay a debt collector a dime until they have received a legitimate notice of validation. BY MAIL! NOT e-mail or fax. As per federal regulation under the FDCPA. Frauds, like the scum calling from this number, will NEVER mail you one. They can't. They would have to verify that they hold title to the debt. Which, of course, they do NOT have.
They are foreign frauds! That's all that they are. They're all talk, nothing more. They're pests, that's it. Once a person becomes aware of his rights, the hard part is over. Then you can move on to fraud fighting! Educate your friends & family as to the scams that frauds use to defraud people. Learn to spot frauds & shills. Like this illiterate joker here! It's very satisfying to expose frauds. A lot of us here do a lot of it. We aim to save our fellow human beings from being defrauded. We love it when a Shill, like this twit here, gets caught. He'll try to wriggle out of everything with more inane posts using different aliases. We'll spot them and jam them right back down his throat. He thinks he's clever. He's not...and we'll be here waiting to prove it.
Be Safe. Be Aware.
Gunnar

Why call people with frauds and scams and not expect them to get angry?  You've gotten in a thought bind again I suppose because you thought posting this illiterate nonsense would help you continue your stupid scheme.  When someone does finally manage to really take you to court for fraud, many of us here can't wait to see what happens!!

Here's a question why take out a Loan and not pay it back isn't that stealing would you want somebody to take from you and not pay it back!!??? I thought about it because I had a loan and got in a thought bind again hell I needs those ppl that's why their available whether it was taken out 10 yrs ago you still owe it so pay what's the big deal it's a collection agency set up arrangements like me and if they do take you to court the hit records at the end of the day you still lose don't abide by the courts and see what happens!!

These places are real!! I had totally forgot about the loan I had all I did was a Chain of Title from the company I got the loan from and they lead me to the right place I don't kno who yall are dealing with!! I wasn't scammed after it was paid I got all the information I needed for it being paid off!!

they can only get a judgement through a judge and it has to be posted on report with the date and court it was gotten in,

again these people are all noise making fakes, I would not give them a dime, legally they must after you tell them that you only deal with who you owe the debt to, no one else leave you alone, they dont, call the attorney general  and report them.

they can not do that they cannot call your job or share information with anyone but you,The can not put you in jail nor can the take anything,they must go to small claims court, and it costs them more time than anything they can get ,they are only entitled to 38% after the first year of the loan plus the loan amount, and only a small 8% a year after that ,after 7 years they can not get anything because it rolls off your credit, they will keep calling but I would ignore them, you only have to deal with the actual company that you got the loan from,no one else,its the law and if the company you took the loan with refuses to accept your payments , they have to eat the debt,so ignore these scamming vultures that are all noise,

dnt its all fake they call me with tht bs! chris collins ext 304 is a d****ead f****n idoits

yeah they call me but his name was chris collins ext 304 ...... its all fake

These people keep calling me at work the past 3 days. Im going to speak with my family attorney because something seems fishy about these people.

same experiences as listed here.  The 713 is a Sugarland Texas (Greater Houston) area code.
They probably have a call center there.  I speculate the people are on head sets perhaps low wages.  The ARE good at "skip trace," and gor the cell phone nuumber of a brother from whom I am estranged and who is privacy note.  I say that to pony out that they do have the abilitty to get a relative's cell phone number.  Try getting an acquantance's cell number...
I am consulting an Attorney.  I think the messages got off task above here, going from Berkley Klein to a discourse on garnishment.

Your wages may be garnished if you owe child support, student loans, or back taxes, or a court judgment has been entered against you. A wage garnishment is when a court issues an order requiring your employer to withhold a certain amount of your paycheck and send it directly to the person or institution to whom you owe money, until your debt is paid off. Different garnishment rules apply to different types of debt -- and there are legal limits on how much of your paycheck can be garnished.

Wage Garnishments for Court Judgments

If you lose a lawsuit and a money judgment is entered against you, the person or entity that won the lawsuit can garnish your wages by providing a copy of the court order to the local sheriff or marshal, who will send it along to your employer. Your employer must then notify you of the garnishment, begin withholding part of your wages, send the garnished money to your creditor, and give you information on how you can protest the garnishment.

{Unless you owe child support, back taxes, or student loans, your creditors -- those to whom you owe money -- cannot garnish your wages unless they first get a court order. For example, if you have defaulted on a loan, stopped paying your credit card bill, or have run up huge medical bills, your creditors can't just start garnishing your wages. They must first sue you, win, and get a court order requiring you to pay what you owe.}

For court judgments, the amount that can be garnished is limited to 25% of your disposable earnings (what's left after mandatory deductions) or the amount by which your wages exceed 30 times the minimum wage, whichever is lower. Some states set a lower percentage limit for how much of your wages can be garnished.

You may not be fired or otherwise retaliated against because your wages have been garnished to pay one debt. Once you have one or more garnishments, however, less protection is available. Under federal law, you are not protected from retaliation if more than one creditor has garnished your wages -- or the same creditor has garnished your wages for two or more debts. Some states offer more protection.

If you want to protest a wage garnishment, you must file papers with the court to get a hearing date. At the hearing, you can present evidence showing that you need more of your paycheck to pay your expenses. The judge can terminate the garnishment or leave it in place.

Wage Garnishments for Child Support and Alimony

Since 1988, all new or modified child support orders include an automatic wage withholding order. (If child support and alimony are combined into one family support payment, the wage withholding order applies to the whole amount owed; however, orders involving only alimony don't result in automatic wage withholding.)

Once the court orders you to pay child support, the court or the child's other parent sends a copy of the order to your employer, who will withhold the ordered amount from your paycheck and send it to the other parent. If you are required to maintain health insurance coverage for your child, the payment for that will be deducted from your paycheck as well.

More of your paycheck can be taken to pay child support. Up to 50% of your disposable earnings may be garnished to pay child support if you are currently supporting a spouse or a child who isn't the subject of the order. If you aren't supporting a spouse or child, up to 60% of your earnings may be taken.

You may not be fired, disciplined, or otherwise retaliated against because your pay is subject to a wage withholding order to pay child support.

Wage Garnishments for Student Loans

In 2006, Congress passed a law that allows the U.S. Department of Education (or any agency trying to collect a student loan on its behalf) to garnish up to 15% of your pay if you are in default on a student loan. No lawsuit or court order is required for this type of garnishment; if you are in default, your wages can be garnished.

At least 30 days before the garnishment is set to begin, you must be notified in writing of:
?how much you owe
?how to get a copy of records relating to the loan
?how to enter into a voluntary repayment schedule, and
?how to request a hearing on the proposed garnishment.

The law specifies only one basis for objecting to the garnishment: that you returned to work within the past 12 months after being fired or laid off. See Nolo's article What Happens If You Default on Your Student Loans for more information on what to expect if you fall behind on student loan payments.

Wage Garnishments for Back Taxes

If you owe money to the IRS, watch out: The agency can take a big chunk of your wages, and it doesn't have to get a court order first. The amount you get to keep depends on how many dependents you have and your standard deduction amount. Your employer will pay you a fairly low minimum amount each week and give the rest to the IRS.

The IRS must send a wage levy notice to your employer, who is required to give you a copy. The notice includes an exemption claim form, which you should complete and return.

State and local tax agencies also have the right to take some of your wages. In many states, however, the law limits how much the taxing authority can take. Contact your state labor department for information on your state's law. Learn more about back taxes in Nolo's Back Taxes and Tax Debt section.

by: Barbara Repa

http://www.nolo.com/legal-encyclopedia/if-wag ... ghts-33050.html

i may be wrong but i thought even the irs needed to get a court order to garnish wages? i had a problem with them a few yrs back and it showed on my credit report as a judgment. i assumed only a judge can grant a judgment?

SORRY FOLKS YOUR WAGES CANNOT BE  A COURT GARNISHED WITHOUT A COURT ORDER AND EVEN THEN IF YOU DON'T MAKE THAT MUCH MONEY THEY WON'T TOUCH IT THE ONLY AGENCIES THAT DON'T NEED A COURT ORDER ARE THE IRS AND DEPT OF ED AND STILL THE SAME IF YOU DON'T MAKE ENOUGH THEY CAN'T TOUCH YOUR WAGES

i got a call from them 2. i delt with someone by the name of chris. i was garnished in the past so i didnt want to go down that road again. after i made the agreement i asked that they email me a letter with what was agreed to for my reacords just so i had something in writing. i guess it comes down to if u remember it and u owe it then ya can deal with it the easy way or the hard way idk. good luck

the associates names i dealt with was Lisa her number was 713-234-0985 but she called me earlier from 732-983-4740 after she got frustrated with my million questions she transfered me to Chris, the legal advisor supervisor, and the number he told me to call him back at tomorrow to make payment arrangments was 877-733-0525 ext 304. I seriously dont know whether to trust these people.

I got a call from these people today stating they were from Berkly & Associates. They said they are going to garnish my wages for a payday loan I had from 2008!. They first called my place of work and I told them id call back on my cell phone, when I did the lady was very short with me and got mad every time i asked more information about who or what their purpose was. She transfered me to some "legal guide supervisor" and he said if I didnt pay them the 400.00 they would pursue me to garnish my wages, They were going to do an asset search of what I own and all that jaz. Of course I'm shooken up over it, I'm young and dont know to believe them...any way to find out if they are legit or just talking out of their butts? any help would be appreciated before I cave and actually start paying them.

my wife received a phone call from 877-733-0525 claim she owed 600.00 dollars they gave her, her social didnt ask her to vierify it and they told her it was for an unpaid loan that was filed under chapt 7 bankruptcy anybody know anything about a michael collins from berkley and klein assc.