I received a call from Robert Feleciao from Law Office Honore of Altanta, GA.  He claims they have a compliant against me from Bahamas Marketing and are going to take me to court unless I pay.  I did not take a payday loan out form Bahamas Marketing.  Who are they?  How can I know this Law Office is real?

Am I the only one that finds it odd that somebody going by Debt Collector is telling us that a known collection agency is not one after all?

Tell that to the Better Business Bureau.

they are not a collection agency and I'm not shilling you guys are not reading everything I'm saying obviously..oooo It's like talking to air everyone have a lovely night i know who i work for and I don't work for bahama marketing group however i do work for a collection agency who dose work accounts for BMG and guess what by law you can't collect on accounts that are not real. agencies will not buy false paper. and certainly not legit collection agencies like mine we treat all persons who owe a debt with the up most respect and we thrive to make sure that our consumers know we are here to help them not hinder them and we will come up with the best payment plan that suits their needs and we send letters of validation.

Thanks for all your wisdom. You're not serious that you think that website shows anything that would resemble professionalism are you? http://cashresourcecom.com/  Then, look at the BBB reports, guess those "Out of Business"  signs mean hey we need to change our business name and  phone numbers then back to business as usual? While speaking of marketing, how's business as card services, medical alert, mortgage, or security systems? Wouldn't want marketing / call center talent like you go to waste!

Yep, you're right! It's always the victims fault when they fall prey to predatory business practices and lending. Funny too, how you're a little confused about who you work for and what the business model is about? What an unprofessional website! It's sad that people needing help find this scum online! The BBB reports are very specific about who and what Bahama Marketing Group is and does. Thanks for the generic website info! http://cashresourcecom.com/

Problem is , Debt Collector, is that too many bill collectors resort to threat of criminal prosecution against not only the debtor, but also members of his or her family.  You cannot use threat of criminal prosecution to collect a civil debt.  Or threat of arrest.  Which a lot of bill collectors do.

More than anything else, that's what really annoys people.

You really need to make up your mind, are you a debt collector, a agency for calling to "help" or a loan shark? There's rules for loans also along with cold calls and you can get in trouble for shilling also!

http://www.consumer.ftc.gov/articles/0078-advance-fee-loans
http://www.fraud.org/scams/direct-marketing/advance-fee-loans
Payday loans
http://www.paydayloaninfo.org/state-information

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection
official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act

http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB Q&A on debt collection practices

http://www.consumerfinance.gov/askcfpb/search ...
A Summary of Your Rights Under the Fair Credit Reporting Act  [PDF]

http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

http://www.tcpalaw.com/
http://www.kleinmoynihan.com/publication/new- ... ctober-16-2013/
http://www.consumer.ftc.gov/articles/0108-national-do-not-call-registry

What happens when you shill..
http://800notes.com/forum/ta-88747d175513656/ ... 717404327882938

The FDCPA is pretty clear! Not to hard to understand it either. Responding to 3 year old threads even is rather redundant and moot on your part.

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

Simply put: Bahama Marketing Group is a collection agency.

I found another listing on the BBB.

http://www.bbb.org/north-east-florida/busines ... e-fl-235959550/

3) It is an open forum and I have the RIGHT to post my opinion on any thread here.


May you find peace in your life.

By the way BMG is not a payday loan company look at the name bahama MARKETING group they are a company that helps you find a lender online to get a loan from when you can't get approved on certain sites and then the lender you fill all your information out with is the company your loan is though be sure to write the site down so you remember from now on who you took your loan out with online. (its all in the fine print)   cashresourcecom.com/bahamas.marketing.group.pay.day.loans.html  

I don't spend my life on here (like some) I was doing some research this popped up so I shared my opinion like everyone else. Do you guys even read these things? I never suggested everyone on here owes a debt however you all seem to think you know what your talking about when in fact you don't. So it's funny that I have not disrespected anyone that has commented on here and yet almost all of you (Except Elspeth) have responded negatively. your right anyone can have an opinion its not about having one it's about respecting everyones opinion witch I have done I think I even apologized for the rude calls those people got and I'm not even the one who called them thats called professionalism. I have worked in this industry for 5 years and I'm only 23 have yet to break a law under the FDCPA and yet to let one person get me heated over something childish or disrespectful they have to say  to me and don't plan to start today. By the way it wouldn't make sense for some of you to be commenting on these unless 1. you owe a debt and just don't pay your bills or 2. you just have nothing better to do but comment on things that you have no idea what your talking about..hmmm i think that about sums up all the comments that were posted.  I really hope one day some of you will actually pick up the FDCPA and read it in your spare time instead of thinking you know it. Now if anyone has any real questions about companies breaking the FDCPA please feel free to ask I will gladly answer and can even tell you how to get rid of your debt with or without paying it. Once again I'm not like most debt collectors cheers.

Good one boss.... hee yuck

Replying to a 3 year old thread.. talk about outdated!

1) You have no way of proving that everyone here owes money.
2) People have their right to form whatever opinion they wish about any company on the planet.



May you find peace in life.

Yes, appears BMG is under payday loans. They may have a few problems at certain locations, as in Largo FL "shows Out of Business" http://www.bbb.org/west-florida/business-revi ... -largo-fl-12160#  Gulf Breeze FL location has an F rating, http://www.bbb.org/northwestern-florida/busin ... eze-fl-90023492 with lots of online complaints for "fake payday loan application scams." Funny, I couldn't find a website listed for this group in multiple states.

Aside from the posting immediately before yours where fnord replies to asschaps the last post was 3 years ago.  Why are you here trying to stir up trouble?

You think you sound all cool and crap, but all you are is crap.... back under the bridge troll.

Oh...and by the way, hay is for horses.  You sound like Si Robertson.  Now you're being cooked in peanut oil

People generally don't have a problem with "debt collectors" who are compliant with the rules and regulations of the FDCPA.  People should pay their debts, yes - but only to those who abide by the FDCPA.  Threatening people with arrest or charges (debt is civil, not criminal), empty threats of lawsuits, wages being garnished - these seem to be routine violations of the law for some.  

Per the FDCPA, you should not pay a caller if they refuse to mail a debt validation letter showing you owe a debt and that the caller has the legal right to collect said debt.  Threats and abusive behavior can and should be reported to the FTC and that state's Attorney General. In fact, it is a good idea to record all conversations and keep a log of dates and times you are called.

They have to prove the bill is valid.  In writing, not by a phone call.

Understand what you guys are saying is false BMG is very real and it is an online payday loan company that people have taken loans out with and feel they don't have to pay them back. I apologize if they didn't handle the situation by following the (FDCPA). I find it to be unprofessional and disrespectful to everyone of you how ever the company is real and you are probably just receiving false phone calls from a debt collect falsely representing themselves. Yes I know you hate debt collectors just understand we are not all bad some of us understand because we are human same as you and we are here to help you pay back your debts in the most doable way for you. It may be what some people think is a bottom feeder job but hay someone has to do the dirty work don't they. But just remember we are not all the same. once again i apologize for their unprofessionalism.

I see  you point very clearly if I was in the business that you talk with so much passion about. I am actually a hardworking American with a day off and I guess to much time on my hands... I use to take advantage of companies that loaned money and also credit card companies... Taking money that wasnt mine and then not caring. Then I started a family and saw how being a dead beat and only caring about myself actually hurt not only the people around me but also my country... Pay your bills and find work in America and help the economy dont hurt it....

GOTCHA BACK, BMG (Bahama Marketing Group) payday loans have been around for quite some time.  Even if the FTC sues BMG, in no way will that rescind any liability that you have for an outstanding and unsatisfied BMG payday loan.  And as for the "[c]all me again...I double dog dare you", you need to understand this:  Bottom-feeder collection agencies are sued consistently and regularly.  You can't possibly think that you are the first person to record a FDCPA violation or two, and maybe even something more egregious.  These lawsuits either go unpaid or are thought of as a cost of doing business.  They WILL call you again - and if not them, then whoever your account gets sold to next.  When I first got into this business I worked for a company that literally had over 100 outstanding default judgments.  What I am saying is that your threat is falling on deaf ears.  The problem is that an attorney who works on a contingency basis only is not going to be willing to sue for anything other than an FDCPA violation - and that amounts to monetary peanuts.  He won't sue based on any theory of extortion or business fraud unless you pay him up front because those types of cases are more difficult and costly to win.  What you are also missing is that any person calling you and using the tactics that you claim is certainly not an employee of BMG.  BMG has legitimately sold the debt to a third party, and it is this third party that is using these tactics.  Complaining about BMG regarding a third party will do nothing.  But, at the end of the day, it is repugnant that you never settled this debt with the original creditor (BMG).  I hope you need credit some day and can't get it.

And "asschaps", the false indignant offense is ridiculous.  Recording a phone call without permission is worse than extortion, fraud, and lies?  Please.  Moreover, in any federal court only one person is required to give permission to record a call without the other persons knowledge (not counting instances of wiretapping and spying) - in this case that would be GOTCHA BACK.  Not only that, but the vast majority of state courts take the same position.  And hey, man (or woman), no one was ever hanged in this country (in accordance with the law) for failure to repay a debt - and if they did anyway, well, then, they would have been guilty of of murder.

Asschaps, I find your anger/disgust/frustration with post-charge-off payday loan debtors to be idiotic.  The people that GOTCHA BACK is talking about are definitely collectors who are working accounts that have been sold once or twice (maybe more).  These people (and you) can't claim the same righteous anger at not being paid back as the original creditor.  You see, the original creditor was promised to be paid back, while you or your boss or your client, was not.  You or your boss or your client never loaned out any money to anyone.  No, you purchased a portfolio of debt that you knew to be charged-off and willingly accepted that risk in order to make a profit.  If the business frustrates you, get out of it!  You didn't get burned!  You knew these were post-charged-off accounts!  Spend your money elsewhere, rather than on garbage paper!  And as for rights, you are correct, you have them - they are delineated by the FDCPA and various other FTC and SEC devices.  But they are not the same as the rights of original creditors!  If you are unsatisfied with the state of your rights as a junk debt buyer, like I said, get out of the business!

Recorded without permission from the party on the other end of the line, WOW, that seems even worse to me. What happened to our rights.... Remember a time in this county when we use to hang people for not paying people back...... Wild West..... America what a country!!

FTC Complaint filed today against this company....received a call 10 mins later from rep at FTC, they are under investigation and a lawsuit is to be prepared and submitted in the next 3-4 months to the Fed Court...go ahead...call me again...I double dog dare you...you state that you are try to get a debt resolved and yet you fail to state the Mini Miranda, which by law you must...SO GLAD I RECORDED THE CALL!!!!

Have a great day "mon"

do not call this mumber they are calling from 504-383-8992 about serving papers and they tell you to call this number to stop the papers ms. stevens

My wife just got the crap scared out of her.  She is very paranoid about identity theft even though she hasn't had a checking account in more than 5 years.

The person who left the message said almost the same thing as the last poster.  I mean it was down to the exact same words.  They also said it was a time sensitive matter, yet they wished her 'good luck' at the end of the call.  

I'm thinking a call to the Attorney General, FBI, or local law enforcement is in order starting tomorrow morning.

I love this site.

Take care guys,
Swamp Eagle

This is a version of the you-have-committed-a-crime extortion scam and you are being...
1. charged with fraud or passing bad checks or embezzlement or
2. served with a court summons or arrest warrant or bench warrant or whatever or
3. located in preparation to being served or for a lawsuit or to be arrested or
5. sued for cable TV usage that you've been stealing for years or
4. whatever stupid crap reasons they will think up next.

And you have to...
1. call back with your case number or
2. confirm your address or SSN or whatever so you can be served or your papers can be processed or
3. pay $895 now to avoid paying $5,000 in court or
4. whatever stupid crap reasons they will think up next.

Beware extortion scams come in many flavors and they constantly evolve to stay one step ahead of the law.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Never do what they tell you to do but report them 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, as appropriate.

Recieved call for my husband regarding check fraud. We don't write checks for one. So they are full of crap. For two he said his name was Angelo Baron of County Legal. Said there was a case number involved gave a case number. Said we needed to make arrangements with claims office, if not home when they arrive they would be escorted to place of employment. GOOD LUCK WITH THAT ONE!  It's so frustrating that people use scare tactics such as these. Number calling was