got a call today from 234-736-3084 and told me to call the atttorney at 888-236-2416. gave me a docket number. i called the number and they told me i had a past debt from 2005 for Kay jewelers. this is a scam. how do they get our numbers?

Man I wish they wouldn't have deleted nick's personal cell #, I could have had some fun with that. This lowlife tried to con me into paying for a credit card my ex-wife ran up over 7 yrs ago. Then told me a "uniformed officer" was on his way to my house to serve me papers. He got pissed when I told him to confirm the address and he couldnt so I asked how are they going to serve me then if you dont have my address. Then he goes on with the threat to embarrass me by having me served at work. This is when I REALLY pissed him off, I told him you are going to need a boat and some latitude & longitude cooridinates to get to me because I'm at work in the middle of the Gulf of Mexico so good luck with that. At this point he was FURIOUS! The i started asking him for a civil complaint number filed in my parish, to which he did not have one, then he started stuttering and saying since I called him back he repealed the complaint. Well I know the legal system in Louisiana moves a hell of a lot slower than that. Then I tell him in Louisiana the SOL for credit card debt is 3 yrs and this is waaaay past that so he couldn't sue me even if he was legit so he hangs up on me, so I call the number back and dial the ext listed above. He picks up and asks me what I want. I told him to NEVER call me or any of my relatives again and then he asks me, "are you done?" and then I reply "No, I just wanted to let you know how much of a lying scamming douche nozzle you are, now I'm done. Goodbye". I still laugh about this one from time to time

The owner of this ?company? real name is Nick Alfano. His personal cell phone number is [removed]. The company number is 888 236 2416 and his personal extenstion is 2501. If you want to visit them at work you can go to 19322 jesse lane in riverside ca. they claims to have an attorney on file but in reality they do not. If you google Wayne Lunsford and FTC you will see that this guy was shut down by the ftc. This whole thing is a scam, Nick Alfano is a former employee of waynes and is now trying to do his own collecting. Everyone should contact the FTC about this scam artist

They are not registered with BBB

Harassing me!  We do not own a credit card that they insist we owe a 10 year back payment from.  If case goes to court will cost us over $2500 but are willing to settle for $500 today.

Thank you for the advice. I put together all my paperwork to send them the next time they call. I've contact boa they r claiming they haven't sold any debt on me.
I honestly can't wait for them to call so I can shove the paperwork in their face.
I will be asking them thoose questions as well
Thank you again

person... if you have the right paperwork you have nothing to worry about,the low life company is trying to bully you into paying them..BOA is wrong for selling it to a low life company but the thing is that this low life company probably paid 50.00 for the debt and is trying to profit 1950.00 from you..they probably wont stop calling you but if you have the time then waste there time on the phone the low life debt collectors hate that..
always ask them for there name,do not answer any questions until they give you there name then ask them the name of there company,then ask them the nature of your call then ask them is this phone call be tapped and monitored and of course there going to say yes..then you say im sorry i dont like anybody tapping me or monitoring me please call me from a line that is not being tapped or monitored thank you and hang-up.
you could also ask them for there license number to collect money in your state,no license there not allowed to call you for money that is the law,i heard there is about 5 states that doesnt honor the license law
remember low lifes hate it when you waste there time on the phone and they also hate it when they dont get there message out.
if i was you i would call BOA and tell them whats going on with you
if your right about what you said you could hire a consumer lawyer and go after these low lifes and make some money out of it

This is just my personal experience with them. They called my grandpa in ca asking for me I don't even have his number so I don't know how they got it. They told me it was a credit card debt. I remember In 2005 I reported the card stolen and terminated it once  my bank called  because of strange spending at one time. I never spent over 200 at one time or day. It was close to like 800$ they spent on clothes and cheap cameras. I have my report filing of what happend. They said I owed like 2,000$ on it because it belonged to me. They said boa does not own the debt that they do now and I need to pay. I don't get it though I have my paperwork stating my card was stolen and the matter was taken care of when it happend. What do I do now I don't want theese calls to continue?

this number is calling other numbers saying i gave them their number to them, Which i did not.
STOP CALLING  or I will file complaint with feds.

No worries, just quit insisting that BBB membership is mandatory for one specific business category and we won't have a problem. Believe me, I'd welcome another legal brick to hurl at rogue debt collectors, but as I tried to explain a couple weeks ago I don't see how BBB would help even if it was imposed.

You might want to see the triple-B payola story Brian Ross filed for ABC News in late 2010 before your parade float breaks down. It demonstrates clearly that having a listing on what is pretty much a glorified business directory is not a reliable litmus test for legitimacy.

http://abcnews.go.com/Blotter/business-bureau ... ory?id=12123843

You were quite correct in reminding us that collection agencies may have to "pass Go" and pay fees to operate in each state, something a state "mini FDCPA" may not mention. Those states which don't demand licensing or bonding might still want a nearly trivial registration with its Secretary of State or some business regulator.

I've caught two collection agencies in the past year pestering me without first jumping all their regulatory hurdles, which gives me ammunition in a dispute. If you lack private right of action on a given state law, I understand that some litigants have "upgraded" those registration lapses to FDCPA violations. The Act has a catch-all line prohibiting the threat to take any illegal action, which I think has been stretched to include actual bad behavior.

resident47.....you are right i know i read it somewhere that all collection agencies have to register with the BBB i think i read it from the 800 notes and when i read it it did make sense to me that they should be registered with the BBB because there dealing with peoples info.
i dont owe any money to debt collectors but if i did and the collection agency calls me and is not registered with the BBB i wont do business with them because you and i know there violating the fdcpa law
resident 47 thanks for setting me straight on the BBB issue and i do apologize

} He stated that the phone call validates the debt

How did you manage to keep from guffawing at that? I would imagine the "we already sent you mail" routine was also a lie, not that the false threat of arrest wasn't bad enough. A decent comsumer lawyer will jump over his desk to give this collector his richly deserved beatdown.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov. See also if your state laws are stronger.
http://www.ftc.gov/os/statutes/fdcpajump.shtm

Sorry, I'm having trouble finding all those worthless welfare queen deadbeats in this thread. I am finding the typical rants of worthless Buffalo Bullies who think that the above group of fantasy debtors justifies their lawbreaking tactics. If anyone can't "man up" to their own problems, it's our name brand bankers who whined to Congress for handouts when their usual pillage-and-burn operations were running out of homes to foreclose and lives to ruin.

For a number of good reasons, our laws often have a means of forgiveness built in. The age of a debt account does matter when held against a state Statute of Limitations, the main thing which keeps some moldy disputed phone bill from the Reagan adminstration from becoming a recurring nightmare until a person's death.

Perhaps the shill post I had criticized was already gone when you showed up to mischaracterize my input. It was a fairly typical effort to intimidate the readers and discourage them from exercising the very rights you and I are promoting. Calling out the fakers IS helpful, and apparently the site Admin agreed.

No argument there, that we have another bad actor begging for a legal spanking, as my other thread responses should indicate. My caution is against possible misinformation and misuse of available consumer laws.

I've been studying the debt industry a long time and I have yet to hear of a state law which compels a collection agency to join and list on triple-B, a private firm with no regulatory power. I'm only asking you to point us to some of those statutes, because I'm having difficulty finding any.

C L S called my two brothers and my job. A Mr. Owen Johnson identified himself as a deputy sheriff and stated i owed money on a civil claim and that he had a warrant for my arrest. He gave a file # and said to call 1-888-236-2416. Called and talked to a Stephen (would not give his last name). was told he was filing court papers on me unless I sent him $833 right away.
I asked for a validation leter and was told one was sent to me 90 days ago thats why court papers are being filed. He stated that the phone call validates the debt.I told him i would not give information over the phone. Stephen told me they only accept payments through electronic transfer. if I didnt have a checking acct. I had to go to Walmart and buy a prepaid debit card to pay the debt.
These people are a joke.

I just got a phone call from "CLS" with a lot of threats about what they were going to do to me yet when I called back to verify the number i got a totally diff company name..what's up with that!!!!!

WARNING to all readers of this post.  As you can see, there are many posts at the end of this thread that claim to be from other consumers that are lambasting you about having debt (because they seem to be all knowing and instantly know that if the so called 'company' is calling you, then you must owe the money), or they claim to be consumers that were instantly taken to trial.  They are fraudulent posts.

Calm down, don't fall for their shady tactics and go here to find advice:  http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm  

Collection agencies must validate the debt, the debt must not be over a certain age (unless you agree to take on the old debt again) and they must follow a certain set of rules when trying to collect that debt.  This company has a history of NOT validating the debt and instead trying to extort innocent people into paying other debts with threats of jail, lawsuits etc, while not letting them know they really have no idea whether the debt is truly theirs or not.  They discuss "your" debt with others, they threaten, etc., all of which is against the FDCPA.  

Work with an Attorney or the FTC, Attorney General,etc. when dealing  with them.  There are plenty of organizations that work pro bono with people to deal with credit collection agencies, especially when they are using illegal tactics.

"Doesnt matter how old it is."

Actually, legally it does and if it is over a certain age, you DON'T owe it unless you agree to take on the debt again.  Again, check on the rules & regulations before giving advice about debts when you don't know what you're speaking about.  

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

YOUR POST IS FRAUDULENT.  CHECK OUT THE COMPANY LISTED

Wow, it must be nice to be so much above everyone else that you think it's more fun to make people feel like idiots rather than try and help them or others from falling for the same scam again.  You do know your posts are absolutely non-helpful in the truest sense of the word, right?

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm  Check here for layman terms in dealing with collection agency & their abuses.

Regardless, the practices exhibited by this company as evidenced by this thread are illegal and the FTC is available to guide people in how to deal with them.  http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

Sorry, it doesn't work that way and you were taken.  If they followed the same procedure with you that they followed with previous users on this forum, and you went to court with documented details about their abuses against you, then you could've counter-sued them for additional monies.  THey also have to prove the debt is your when they go to court.

Sounds like you are one of the people in on the scam trying to scare people into cooperating, but it's not going to work.,

People, document everything, do NOT give your social security to anyone, do NOT admit to a debt-it must be proven to be yours before you are obligated to pay it and DO report them if they ask for your SS#, threaten a lawsuit, tell you a sheriff is on the way, contact your employer or relatives & discuss your debt with them, or say anything abusive to you.  Report them to the Consumer Protection Agency, or hire an attorney or follow the FTC's guidelines.  http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm  You can also check this page for the legalities of what they are allowed and not allowed to do. :)

CONCERNED.....very nice post you speak/write the truth.

If you think personal debt is driving the energy market then you must be inhaling gasoline. LOL

Here is the thing people... yes having debt is not helping our economy however, i feel just by someone payin their personal debt is not going to be what turns this country around. I know people are bein bullied into pying large amounts of money to so called debt collectors who cant even tell you what your debt is for  when you ask( which is my case) I do not deny i we some money and am not trying to avoid it but i will be damned if some company i have never heard of is going to call nd say i owe x amount and i just py whatever they say i owe! I had UNCI call my 83 year old grandfather and told him i have outstanding debt( which by law they can not do) and then proceed to tell him they are sending the sheriff after me( also against the law) When i followed up with them they said he was one of my contacts, which is untrue i never use my grandather's name or anything, he tends to over worry. Needless to say they will be receiving a letter from me with in the next few days. WHat is important is not who owes debt and who does not or ho is an idiot or not because really how is that moving us forward. These crooked companies do exist  and as american citizens it is not only our right but our duty to have the knowledge of the laws in our country and to ac accordingly.

resident..i didnt say all companies i did say all collection agencies bit i did make a mistake i found out that there is 6 states where a collection agency does not have to register with the BBB.,the way i see it if they dont register with the BBB that means there violating the fdcpa law.

PEOPLE make sure this company is license to collect money in your state and that is the law and if there not license you dont have to send them any money they would have to hire another collection agency to collect for them and they have to pay for it.
ps..ask for there license number and by law they have to give it to you and if they give you the license number please check it out because low lifes will lie to you

powerade...you said to call them and i did i pretended i dialed the wrong number and then i asked what kind of company unci is, the operate response was WE  DO LITIGATION AND  WERE A COLLECTION AGENCY.
maybe you should give them a call IDIOT

You're in a good position to give "Richard Dawson" and his boss a real family feud. Possibly Wayne is fully aware, but this will be instructive to others.

} He told me that federal law required him to verify my social security number and date of birth.

No, it requires him not to reveal debt account details to the wrong person. The whole paranoia over authentication started with the Foti-NCO case years ago. You were not obliged to submit to any verbal interrogation, and your identity can often be matched to an account by less sensitive data points.

} filing the suit to make me more cooperative

Just saying as much is an extortionist tactic, nearly always an empty threat, therefore violating FDCPA. The "case number" nomenclature also sounds like it's part of the threat.

} abusive, telling me that I was "the most ignorant person ..."

Yet more violations for the bonfire. These people just want to give their money away in damage awards. Happily the FDCPA provides fee shifting of legal costs to the big loser, which will be this collection agency if a valid US address can be served a summons. This story is so close to the fake payday loan scam operated by South Indians it's hard to tell.