877-919-3460
Tamianth
Tamianth
2013-10-17 03:04:50
Unknown
You and your supervisor should file complaints..  And tell them your aware of the laws and that this is illegal and that you have filed reports. Demand your written proof of debt sent via US mail and deny do not agree to anything. Tell them you'll turn it over to your attorney..  I'm also thinking tell them your recording and do so. Some states require you to inform them, you'll need to look that up in your state to see, some do not.  Betting they will refuse to send anything. Try asking for a legal business name and address etc. Betting they won't tell you that either, and you'll get cussed and hung up on! Stand your ground and demand they send proof in writing though as per the laws..   You can print this out also for your supervisor.  The more complaints filed, the better!

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action

Also read up on the laws and your rights:

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

And see:

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
*******************************
Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
****************************************
A Collection Agent May Not?

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer?s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
Sara
Sara
2013-10-17 02:23:09
Unknown
They called my supervisor at work.  I never heard from them until I got called into my supervisor's office that someone left a very vulgar voice mail on her phone saying that they are going to serve me papers for fraud.  They haven't called me personally, just my supervisor, nor have I gotten anything in the mail from them.  Can someone please tell me what to do when they call my supervisor again?
john adams
john adams
2013-10-09 22:59:59
Unknown
ur so funny
Michael Henry
Michael Henry
2013-10-08 15:28:13
Debt Collector
Threatening further law action if I didn't call this number and give them my address
john adams
john adams
2013-10-07 22:53:28
Unknown
You don't have a life i am just stating facts, ask anyone of those people that got a call if they have loans out and did NOT pay it back. Well that's what i did and yes its real.
vinny
vinny
2013-10-05 17:02:45
Unknown
quote: "that's why people in the u.s. now are in debt."

Bit of a Freudian slip.   Strongly implies you're not one of those "people in the u.s."   Your bad spelling and atrocious grammar seems to support this.    Conclusion:  You are posting from an Indian boiler room for a "sound-alike" but totally fraudulent collections agency.    I suppose I could say something trite like, "for shame," but your crimes and lies  have so degraded you morally, you are surely incapable of shame.
Willow
Willow
2013-10-05 01:58:32
Unknown
I'm late to the party, but since you think you're brilliantly expressing yourself using a word better left to being used in reference to setting the timing of an engine:

Your = belongs to you.
You're = contracted form of you are.
Conform = molded to, adhering to
Confirm = affirm,indicate that something is correct
Two = the number 2
To = expressing motion in the direction of
Too = also

Now that we have your English and Spelling lesson out of the way, just where do you get off calling anyone a retard? Do you even know what that word meant originally ? Are you aware that the term is no longer acceptable and is considered very offensive by many people ?
Sir Bedevere
Sir Bedevere
2013-10-04 21:47:04
Unknown
You have a "conformation" number? Back to your third world boiler room, sonny.
MJG
MJG
2013-10-04 21:31:27
Unknown
Your confirmation number was 12 buckle my shoe, 34 shut the door.  And you call others a retard?????>
The-Truth
The-Truth
2013-10-04 21:20:33
Unknown
Aww, poor wittle John Adams shill boy is boo hoo hooing because he got called out on his scam. Guess it's time for him to go back to the boiler room for a diaper change.
Tamianth
Tamianth
2013-10-04 21:12:37
Unknown
Sorry, I don't need a loan, never had one and if I did, it would be with a legitimate bank or loan company I can see the people there face to face end of story!

1.Prove anyone has a loan
2.Post legal Name  of this business
3.Legal street Address of this business
4. Legitimate web site
john adams = SHILL
john adams = SHILL
2013-10-04 21:12:34
Unknown
"what makes any of this illegal is that you KNOW YOU NEVER TOOK OUT A LOAN AND SOME SCAMMER TRIES TO FORCE YOU TO PAY IT!?"

There. Fixed that for you!

Oh and by the way ... once a shill always a shill! Get a clue, you're losing here!
Tamianth
Tamianth
2013-10-04 21:09:19
Unknown
Only according to you! No one here is buying into your scam so back to the boiler room, the brooms missing you!
Tamianth
Tamianth
2013-10-04 21:05:29
Unknown
I'd go talk with a attorney then, firing you over fraud & scam calls isn't legal either!  Further more, Your employer should have filed complaints on this outfit as well. And so should you..  Given that some agency's are closed because of government shut down, you may not be able to file all the complaints you need to. You might have to wait a few day's until government decides to go back to work.

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action

Also read up on the laws and your rights:

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

And see:

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
*******************************
Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
****************************************
A Collection Agent May Not?

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer?s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
Thia
Thia
2013-10-04 21:00:38
Unknown
You can't tell "your" from "you're,"  you're on a website lying and shilling for a company that scams people, shouting in all caps, and I'm the "retard."  How cute.

Posters, once again, always ask for MAILED proof. If the caller says you'll be arrested/they're gonna serve you, it's illegal.
john adams
john adams
2013-10-04 20:59:09
Unknown
what makes any of this illegal if you KNOW YOU TOOK A LOAN OUT AND DIDN'T PAY IT BACK!?
john adams
john adams
2013-10-04 20:55:11
Unknown
your a retard that's why people in the u.s. now are in debt I CLEARLY TOOK THE LOAN OUT AND NOW IM PAYING IT BACK WITH THEM SCAM? NO THEY EVEN PROVIDED ME A CONFORMATION NUMBER FOR THE TRANSACTION.
Elspeth
Elspeth
2013-10-04 20:55:00
Unknown
Then I hope your ex-employer is paying you unemployment!  No one should be fired from their job because a scammer (which is what these people are) is calling them at work!  Per the FDCPA, any caller who refuses to MAIL proof that you owe a debt and that they are legally able to collect said debt in your state is owed NOTHING.  Report the call to the FTC, the FBI and your state's Attorney General.  You may also wish to contact an attorney because you were fired due to these fraudsters.  Most attorneys will give you an initial consultation for free.
Rick
Rick
2013-10-04 20:46:39
Debt Collector
Calls from this number on numerous occasions and harassed my employer until I was fired from my job. They told my employer that they were going to take him to court over a bad debt that I supposedly incurred. They refuse to say who they are, give an address or state who the original creditor is
ambersnana
ambersnana
2013-10-04 17:04:26
Debt Collector
PLEASE  IF ANYONE GETS PHONE CALLS FROM THIS NUMBER DO NOT PAY THEM ANY MONEY.  THEY ARE COLLECTORS FOR AN ILLEGAL DEBT COLLECTION AGENCY.  THEY CHANGE THEIR NUMBERS AND LOCATIONS AS OFTEN AS YOU CHANGE YOUR SOCKS.

NO ONE DESERVES TO BE THREATENED ON THE PHONE LIKE THAT.
Thia
Thia
2013-10-04 16:52:05
Unknown
>>. they are very scammy and i wouldn't risk anything - my bank, my money, my credit - over what someone else says.

There, fixed that for you. You're welcome, Shill.
john adams
john adams
2013-10-04 16:52:04
Unknown
you are steering people in the wrong direction!!
john adams
john adams
2013-10-04 16:50:21
Unknown
yes it is legit i just found out they are handling charges on me for fraud because i took out a loan and forgot too pay it back. they are very real and i wouldn't risk anything over what someone else says.
Jennifer
Jennifer
2013-10-04 16:06:32
Unknown
Thank you!
JC
JC
2013-10-04 14:51:03
Unknown
No, it's not legit AT ALL!  If you're going to be served with papers, they do NOT tell you ahead of time!  This is probably a low-life scumbag debt collector.  Just don't answer the call or if you DO, do not give them ANY information, not even confirming who you are.  Tell them they must send you proof of the debt through the mail and hang up.  IF they are who they say they are, they will have your address...but I guarantee they don't.  Don't listen to anything they have to say, repeat that you must receive validation in the mail, and hang up.  (Email is not proof either.)  DO NOT GIVE THEM ANY INFORMATION!!!
Jennifer
Jennifer
2013-10-04 14:44:43
Debt Collector
got a call from phone number 877-919-3460 claiming to be Nation wide collection. I want to make sure that this is a legit company before I get scammed again. I called  the company that I received the loan from and ask them and they told me that the collection company that is currently handling my case is called United Debt holdings. I tired to call them but was on hold for a while then forwarded to leave a voicemail. When the guy from Nationwide called me this morning it appeared on my phone as a restricted number and left a voicemail saying that if he doesn't hear back from me within 3 hours then he will have them release my case and they will serve me with papers and at the end he wished me good luck. I'm  nervous that this may be legit and they will come and serve with papers. can someone please advise me and what I should do?
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