read this

http://800notes.com/Phone.aspx/1-877-763-2388

interesting this company changes names like i change underwear.

also, carmen robinson is a bankruptcy lawyer. its all in that other discussion i just gave a link to.

Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

You're about as legit as Obama's birth certificate.

For Buffalo, the message was meant for Carmen, the supposed attorney.

You don't know who I am,  Tennessee is a big state.  I think this  is Global Bureau of Recovery under a new name.  Same tactics, calling ones' work place, using the threat of "processors" on the way, having to pay all the money  NOW.  Don't pay them.

These scammers called me workplace and said a processor was on the way.  I call back and talk to some very rude people,
I probably was cocky as well.  They have not sent me any paperwork documenting the debt.   Don't trust them.

I keep getting calls from this place asking for my sister in-laws sister. I'm not even related to her and I'm getting harassed.

In OK you can go online to check if you have been sued.

Hi Risk Manager,

I think you should call the number 877-818-0144 and you will be able to find that they are using your name. I'm not sure why an attorney who represents people trying to get a new start through bankruptcy would suddenly be involved with an extortion scam.

The attorney for Palmar & Associates is:

Robinson, Carmen Nilsa     Active     268221    Murrieta    December 2009

Our company is completely legitimate, we utilize a number of process servers and county officials for process service. We specialize in civil litigation for unpaid debts. Thank you for your attention and we apologize for any inconvenience.

The company is not yet certain if the false accusations made against us in these blogs are due to other companies in California not being reputable; however we currently have at least two law suits pending against defendants that have been found defaming of our company name. Please make sure you research our legitimacy correctly before making any negative post.

I have had several of my family members contact me saying these people are trying to track me down. They have my address, bring it! Not only is this a lie, it's embarrasing.....

VIA the FTC.GOV:
The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

*TO PALMAR & Assoc.
  By you calling looking for my 3 year old austic son stating that you have legal paperwork pertaining to him, only to have me call and you ask for someone else is deceptive means to collect a debt. Let it be known we have contacted our attorney and are filing suit against you. We will find out who you are and take any legal action we can take.

Since you wont give me your physical address I am asking you again for it.

If you use county officials and process servers, these individuals wouldn't lie nor block their numbers. Also they wouldnt threaten to send someone to jail as in what has been happening in our case. Calling a relative threatening them that they would go to jail if information wasn't given to the caller is bogus and against the law. This is why you people hide like cowards by blocking your number. A legit company would give there name address, website infromation etc nor become hostile with a consumer. I just got with my city officials, harris county, tx doesn't employ county process servers via the supreme court ruling. It is now done by private servers. They still have to attend a class and be certified and be put on public record for everyone to be able to look up. When asked they have to provide there first and last name and their process server id number. Where is the information huh?

Then why are you calling from an unknown number? Provide your company name and address and phone numbers so I can send you a cease letter scammers?

As with MOST 3rd party debt collectors, they rely on tactics to get you to pay a debt that you may or may not owe. DO NOT agree to any payback terms with anyone that calls you.Make sure they send you verification of said debt. If they can get the original signed documents you may have signed, then they may have an opportunity to collect. if they cannot get this and chances are they can't. You should be ok.
If they end up serving you actual court papers, make sure you show up to court and make them prove the original debt you may owe. Most 3rd party debt collectors will not have it, they rely on most people not showing up to the court so they can collect on a default.
3rd party debt collectors rely on commissions, so they will try every tactic to get you to pay.
They buy these debts for pennies on the dollar. They Do Not represent the original client whom they say they are. The original client has already written/discharged this debt off, that is why it is given to these type of collectors.

report it to the FTC as I did and the local authorities if the calls continue. It is harassment if they continue after asking to stop. Let me know if you get an address as they will not provide that information to me.

Yes this same company called one of my family member with the same bull about serving papers at my job but they rejected it. A guy name David Martin called my cousin. People do not listen to that crap. If anyone or company is trying to sue you, the Sheriff department will just show up at your home. You get no warning. This is just a cheesy debt collection business trying to get money from super old cases that do not affect you anymore.

Received a call saying i owed dept from 2000 and its 2012 now with a case number and they would not tell me the amount and wanted a credit card number, caller would not say the company name either

Ok so I just got off the phone with Robert Carter, well actually he hung up on me after I told him I was recording the call for my purposes for the refusal to provide me with name address of the company he supposedly works for. He says turn off the recording, I said no and he said good by. I hope these scammers are reading this. I know my rights:

Texas Penal Code § 16.02: So long as a wire, oral or electronic communication - including the radio portion of any cordless telephone call - is not recorded for a criminal or tortious purpose, anyone who is a party to the communication, or who has the consent of a party, can lawfully record the communication and disclose its contents.


Except. . .

While Texas is a one-party state, if you record a conversation without notice in which the other party is in a two party state, you can be prosecuted by that state.


Don't be scared!!! If your legit why wont you give me that information? I know your trying to scam people. Aren't you under investigation for wire fraud? As I read!!! Oh and why againg would you ask for someone to deposit money into a Bank of America account? Yes thats right Ive been researching this number and can't find nothing. If I'm wrong then PROVE THE LEGITIMICE of your company as I will prove that you called and are participating in deceptive collection practices.....

The FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf treats the INITIAL CONTACT between collector and debtor (first call, first letter, first whatever) as a special event. Legit collectors per section 809 of the FDCPA *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER.
Note that 3,4,5 must be done *IN WRITING* so you will need to ask an address from your collector. If s/he refuses to give you one for any reason, treat the collector like a SCAMMER.
The collector can threaten court action at initial contact but the FDCPA requires that the collector actually take you to court if the collector threatens it. Threatening court and not going through with it (coercion) is illegal.
If they say the FDCPA does not apply to them because they own your debt, the debt-owner exemption only applies to the original owner. Any 3rd party who buys the debt for the purpose of collecting debt is treated as a debt collector, i.e., ownership is irrelevant and debt buyers must obey the FDCPA as explained in this FTC Staff Opinion letter here http://www.ftc.gov/os/statutes/fdcpa/letters/arbuckle.htm
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint with your state AG.
Read useful debt-collection FAQs from the FTC here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
The debt collection process explained in plain English http://www.consumeraffairs.com/debt/fdcpa.html
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The FBI warns again http://www.fbi.gov/news/pressrel/press-releas ... nt-payday-loans
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG http://www.naag.org/current-attorneys-general.php as appropriate.

Then provide your address then if your legitmate and not a Bank of America account number!!!! SCAMMERES!!! Oh to that guy that told me that they were going to contact the authorities, go ahead I did as well. You will never call me looking for my 3 year old child again.

Ok so today I recieve a call from my mom telling me that someone called my sister inlaws parents house looking to speak to her. When my sister inlaw called back they said they were looking for my mom. I called the number back on behalf of my mom when I got off work and spoke to a Robert Carter. This guy was a real a** and I would can him for talking to anyone the way he talked to me. They refuse to give you names and addresses so that you can send a cease letter to, not to mention if you use the word laywer they really won't help you. They call my cell phone looking for my 3 year old austic child making it sound like they were trying to serve him papers. I called them back and they are no no...they are looking for my mother. The call was from a Mrs. Warner. I spoke to a lady named liberty and a Frank Silva who I guess is the Director(in charge). Absolutley no help. I repeatledly asked for the address and stated I needed this info to pass to my attorney if they didn't stop these harassing calls. Frank wouldn't give me that information only stating to forward his direct number to my attorney and he will show me that this is a legit debt. REALLY by law you are to provide this info. After several calls and request they stated they didn't have to because of a little thing called 911 and they wouldn't give this info to a disgruntled man. DIsgruntled....^&^&&^ yes I'm mad you people call my cell which I have no ides how you got it looking for my 3 year old which you refuse to admit you did. "WE don't make these calls its our process servers" If your a legit company give me your damn information. And if there was a law suit where the hell is the paper work you damn scammers. Oh by the way your lame apology isn't accepted. Why don't you tell your sorry for harrassing my 3 year old for something that isn't even his. I have the voicemail to prove it. Oh but your too chicken s*** not to unblock your number. What are you afraid of huh?? I say law suit thats what!! Ill find out who your people are and make your lives miserable when you will have to pay me for the stress you put on my family. And you know who this is I called you several times today......this is my mothers debt. If you have any papers mail them you jerks!!! I can't even find your law firm online.....so yes this is a scam!!!!!!

The attorney for Palmar & Associates is:

Robinson, Carmen Nilsa     Active     268221    Murrieta    December 2009

Our company is completely legitimate, we utilize a number of process servers and county officials for process service. We specialize in civil litigation for unpaid debts. Thank you for your attention and we apologize for any inconvenience.

Process service is when you are served with legal documents and ordered by the court to appear on set court date. We will have pending court cases available online soon.

YES THEY CALLED ONE OF MY FAMILY MEMBERS TODAY AND I HAPPEN TO GOOGLE THE NUMBER AND FOUND OUT FROM THE COMMENT THAT WERE POSTED ABOUT THESE PEOPLE. THEY DON'T LEAVE A NAME AND SAID THEY HAVE BEEN TRYING TO GET ME TO SERVE ME PAPERS AND IF I DON'T CALL THEM BACK, THEN I WILL MISS A COURT DATE. THEY TOLD MY FAMILY MEMBER THAT I USED THEM AS A REFERENCE AND I NEVER DO THAT. THANKS TO THE COMMENTS THAT WERE ON GOOGLE I'VE GOT THEIR NUMBER NOW. THEY KNOW WHERE TO REACH ME IF THEY WANT TO SERVE ME PAPERS

I want to get to the bottom of this. Is this real or not? First a woman called from a blocked number and told me to call 877-818-0144. She gave me a case number. The man was very rude and he talked about garnish wages and that I had to pay the full amount owed on a credit card from 2007. I caHe said he woild email lled him back and asked for the mailing address and he said to go to Bank of America and write a deposit slip to Palmar & Assoc. He also gave me an acct number. He said he would email me the paper work but it has been 1 hour and nothing. Is this for real??

Hi. I got the called today. They said I have ignored all the papers they have sent to my house. I havent received anything. They said it was about a credit card debt. I called him back and a woman answered and she told me to hold on and the man got on the phone. I asked for the address to mail in the payment and he told me to go Bank of America and write out a deposit slip for Palmar & Assoc and to put down this Acct #-0750072432. I asked him to email me the paperwork and he still hasn't done it. How can I find out how fake or real this is???

These people have contacted several of my family members, trying to reach me. They already have my information on file and have continued to harass me. Do not setup payment arrangements, as they will not be able to provide you documentation to prove the payments. They are trying to solicit for already paid bills and certain accounts which have been dismissed on credit reports.  My suggestion is there with Annon.. Have me served!  If this is a true collection, than you will have the documentation.

These people are a joke.  I got a call from "Tiffany Williams" - said she has "sealed documents" to serve. I told her to go ahead and serve them!  She said they have attempted before.  Nobody came to my house - I work from home!  LOL!  I don't owe anyone money so not sure who they think they are kidding.  Folks...they do NOT call you first to serve papers.  I know from experience of serving my ex husband!  They just come to your house.

The problem is - these people call from a blocked number so you can't report them!

I got this call yesterday on an account that was charged off in April or 08 and they SOL has run out.  It worried me but they didn't even have the correct address to deliver papers to me.  It was a very old address.  i figure if they were real they would know where i lived right??  What did you do?

Calling about a debt I dont know anything about, told me they need my information for my new place of residents W.T.H!!! They told me papers already been served, so why are you keep calling me if papers are already served!!! Stop harassing me please geeeesh!!!!! Lol