888-324-9457
sara
sara
2011-06-06 21:05:24
Unknown
These people called and left a message on a friend phone asking her to reach me and gave her a case number and said that they will serve me papers to my home or job in the morning if I dont call them today. Is this true
Karen
Karen
2011-06-06 21:05:24
Unknown
Yes. I didnt think so either, so i avoided it until i received a notice to appear in court.  it ended up costing me double.  thanks
PDLN
PDLN
2011-06-06 21:05:24
Unknown
This company is a debt buyer by the name of DebtPortfolio4Sale.com phone 888-324-9457..they purchase and collect on Payday Loan debt..any other debt I am not familiar with if they do purchase anything else..I hope this helps you out.
Bernice
Bernice
2010-03-22 15:25:58
Unknown
They called my job and left a message that they have a summons for my arrest.  The caller stated that he wasn't sure what the charges are if it was a bounced check or non-payment of a bill?  And... so why the court summons????
Sammy from 716
Sammy from 716
2010-03-12 20:24:20
Unknown
screw u all, i got so much money, so many cars, and own a castle.  i do drugs whenever i can, and guess what its all on your expense.
Jeff is a liar
Jeff is a liar
2010-02-23 22:30:08
Unknown
Cool, so they invited your employees to your trial?

LOL!
Jeff Florida
Jeff Florida
2010-02-22 18:46:06
Unknown
I have been ignoring this company for a while now bc i thought this was a scam. I just got a summons to appear in court in front of all my employee's. Is their any way i can take care of this matter so i dont have to go to court and pay all these ridiculious court fees?
lamet
lamet
2010-02-16 17:59:51
Unknown
exactly dont reply, ur a fiend, do u know what a fiend is, goodluck  trying to make it out there in that cold cold world
lamet
lamet
2010-02-16 17:23:00
Unknown
u got the IQ of a 4yr old with no credit.  How does it feel to be broke?  Maybe you should stop worrying sbout this website and go get a job at Mickey D's.  They offer $8.00/ hr now
r
r
2010-02-16 16:52:05
Unknown
Are we a little butthurt.... can't make your commission. The bad American's not falling for your scam.... too bad!!
lamet
lamet
2010-02-16 16:48:09
Unknown
Disregard, im just a deadbeat who has nothing else to do but then check the internet every hour. Dont be mad just because you owed somebody money and it takes exhausting phone calls to finally get you to pay.  You really are filth and i would love to see you in person, i would slap you so hard your kids would feel it.  Keep putting up irrellevant information, you have nothing else to do first thing in the morning? YOU ARE A LOSER.  LOSER LOSER LOSER You make no sense pal, Americans pay bills
R
R
2010-02-16 16:37:55
Unknown
Indian nationals pay American taxes??? Well, we can use the revenue.

BTW: how is the weather there :-)
lamet
lamet
2010-02-16 16:14:16
Unknown
FACT - Debt collectors violate STATE AND FEDERAL LAWS regularly in attempts to collect old worthless debt that no one is legally obligated to pay.

FACT - Debt Collectors are REQUIRED BY LAW to send the information regarding the debt in WRITING within 5 days for initial contact.  THEY CANNOT REFUSE TO SEND IT!

FACT- YOU HAVE THE RIGHT TO DISPUTE THE DEBT AND DEMAND VALIDATION


FACT - EMPLOYEES ARE POSTING HERE - CLAIMING TO HAVE HAD A DEBT RESOLVED - BUT THEY ARE LIES..  

FACT - Debt collectors cannot just call and demand you pay them NOW without first proving the debt is valid and owed.   They refuse to do this when THEY HAVE NO PROOF!  

FACT - Debt collectors calling claiming PAY THEM NOW or we will sue ARE VIOLATING FDPCA laws.


FACT - LAWS THIS COLLECTION AGENCY IS BREAKING

From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT

Debt Collection FAQs: A Guide for Consumers

If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?

No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009




File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0
Matthew Knight
Matthew Knight
2010-02-16 15:45:46
Unknown
Hey guys, come on, i guess i started this outrage.  Its over, i had a few questions about my issue and it was answered.  Please lets just all get along, we are all Americans here.
I buy your wife a drink with your money
I buy your wife a drink with your money
2010-02-16 15:26:36
Unknown
We laugh at people who have no life but to go on the internet at 2:30 in the morning....go dig urself into debt you stain
Dark Night
Dark Night
2010-02-16 15:12:06
Unknown
Yes, your file came across my desk ...
collectors-r-criminals
collectors-r-criminals
2010-02-16 07:11:41
Unknown
Arguing? Nobody's arguing.

We're laughing at low life morons who call people illiterate and can't spell "imbecile" (at least that's what we think you meant by "imbosol", but who knows).

We're laughing at incompetent excuses for "bill collectors" who are so bad at doing their "job" on the phone they have to come to this site to do it.

We're laughing at bill collectors who don't know the difference between a "customer" (the companies they buy used debt from) and "victims" (the people they try to trick into paying).

We're laughing at idiotic attempts to explain complex economic theories by boiler room boobs.

We're laughing at collection agents attempting to impersonate honest people (which of course is impossible for them) ...

Hell, we're laughing at YOU!

But nobody's arguing.
Heaven Or Hell
Heaven Or Hell
2010-02-15 20:17:16
Unknown
what is everyone arguing about?  You people are to blame for this economy in shambles, Pay your credit card bills gosh darnit....geez is that so hard instead of writing things in google.
Matthew Knight
Matthew Knight
2010-02-15 20:14:10
Unknown
Dark Knight is your name suppose to be mocking mine?  Do i know You? This is my real name, i live in Georgia, Murrayville area
Dark Night
Dark Night
2010-02-15 20:06:32
Unknown
Just stop making payments on her! IMBOSOL!
Matthew Knight
Matthew Knight
2010-02-15 20:04:40
Unknown
Thanks for the input guys, ive contacted them.  One less thing i have to worry about.  Next is how can i get rid of my wife? lol Thanks pal
j teazy
j teazy
2010-02-15 19:55:15
Unknown
This conpant worked with me and set me up on a payment plan... not alot of places are helping u out anymore
Inspiration
Inspiration
2010-02-15 19:52:11
Unknown
Work where?
Jack from Alabama
Jack from Alabama
2010-02-15 19:49:31
Unknown
NO YOU ILLITERATE little child, a satisfied customer.
jackassss
jackassss
2010-02-15 19:35:52
Unknown
Ah, so you do work there! Thought so. Excuse me while I go spend more of your taxes LOL!
Jack from Alabama
Jack from Alabama
2010-02-15 19:26:20
Unknown
Your pretty smart, what you must be pretty familiar since your used to living off my taxes. Get a job, learn a hobby, pay bills, do SOMETHING. Instead of typing ridiculous things on the internet pertaining to people who are scamming the system and get out of not paying back the bank their money that was lended to them.

Think before you type, you imbosol.
jackassss
jackassss
2010-02-15 19:08:11
Unknown
There are no criminal penalties, debt is a civil matter.

How long have you worked there? Don't you have to get back to the boiler room soon?
Jack from Alabama
Jack from Alabama
2010-02-15 19:05:54
Unknown
Yes, this is true.  I had to appear in court for a Bank Loan I had taken out with ACU.  My file was in this office, and i dealt with Mr. Mathews, Federal Employee, was very pleasant and worked with me.  All criminal and civil penalties were dropped as soon as i paid what was on my part forgotten in the past.  So be careful on what you avoid.  Thanks
Dark Knight
Dark Knight
2010-02-15 18:07:23
Unknown
Sandy is RIGHT! Just pay them, whatever they tell you. Then they will stop calling. Till the next time.

Way to go sucker!
Sandy
Sandy
2010-02-15 18:03:39
Unknown
this is for you Mr. Knight, i have dealt with this company a few weeks back, i didnt believe it was a legitimate company a** well, until i recvd a mailer to appear in court.  I contacted them back at this number after i recvd the letter and then paid off the bad claim with them.  So i suggest contacting them soon.
1-800-214-6201 1-605-394-6642 1-657-202-6605
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