888-334-4022
skp
skp
2014-07-02 16:43:10
Unknown
....hope you never collapse, need a 750,000 heart surgery, and can't work!
EK
EK
2013-06-04 09:02:28
Debt Collector
Don't let the crazy "your [sic] all idiots" guy fool you. There are some real problems with this company and I urge you to look into the matter before agreeing to anything over the phone.

This number is apparently (at least for me) Bank of Nevada. Mercy Health Center in Manhattan, KS sold all of their debts to this company who turned our bills into loans and want to start charging interest and fees on it. We never agreed to anything of the sort and we were NEVER late on our monthly payments, but the debt was sold anyway and now we're being treated like deadbeats. And we're being lied to -- some service reps say the debt was sold to Bank of Nevada, others say they're just the "billing company" for Mercy Health, and we never get a straight answer as to WHO Bank of Nevada even is.

The main point here is we never agreed to a loan, and we've paid all our other ER visit bills (when you go to the ER, you have a separate bill for the doctor, the ambulance, the oxygen, etc.) Of course, the insurance shelled out thousands to the hospital, too, and as I said, we were never late on the monthly payments for the remaining amount due. We still send our monthly payments to the hospital, who is the original debtor, but Bank of Nevada hates that. They want interest and fees, and because we're paying the hospital directly, they're calling us several times a day trying to "collect a debt."
david
david
2013-01-15 02:35:58
Unknown
these people whoever they are have removed 213.52 dollars from my bank unknowningly to me I have all intention to press charges FEDERAL & LOCAL because this crosses state lines and is fraud.
booyah
booyah
2012-12-10 19:57:32
Unknown
Sad, you must be a bill collector. Hopefully you don't have to experience that someday. Be careful what you wish on other people. It may just turn up as a circumstance for you.
relliksmom
relliksmom
2012-08-15 21:23:54
Unknown
Left a message, saying their Bank of Nevada, calling about my account.
I don't have an account with Bank of Nevada, and never have had one.
hadacystinmywrist
hadacystinmywrist
2012-06-28 03:02:26
Unknown
Well, Torrey Pines actually set up a revolving credit loan without interest or fees for my hospital bill for removal of a cyst in my wrist.  I was told by my surgeon that my out of pocket would be around 2K even with Insurance, in which I agreed to.  Come to find out that does not include the hospital room he uses to perform the surgery which was an additional 10K!  After talking my financial situation with the Hospitals account manager, they lowered it down to around $7.5K.  I still thought it absurd cost for something I probably could have cut out with a box knife if my artery was not on top of it.  But she set up this credit loan with Torrey Pines and I am almost done paying the loan off.  Less than $300 to go, but they just started calling an absurd amount of times a few weeks back.  I just returned their call and left a message.  Hopefully I'll get to the bottom of what they need and its not something crazy.  

The bank in my opinion is legit, however, I'm not so sure the hospital charges $25.85 for some gauze + 12.00 for an aspirin is though.
Anon
Anon
2012-06-05 04:28:34
Debt Collector
Being harassed by a supposed Bank of Nevada from this number. I don't owe anyone a past due debt and I believe this is a complete scam.
Legal Beagle
Legal Beagle
2012-03-22 18:54:39
Unknown
National Patient Bill of Rights

"(d)  Access to health care.--

1.  A patient has the right to impartial access to medical treatment or accommodations, regardless of race, national origin, religion, handicap, or source of payment."

You are what wrong with this world.
Missy
Missy
2011-10-26 00:47:43
Unknown
I am saddened that you have chosen to call people bad names. Of course we would never do that to you because we are too mate for such immaturity. But, for your information, not everyone paying this agency is a deadbeat or idiot. There are a great deal of people who have experienced illness after having lost their medical insurance.  There is nothing you can do IF you have to go the hospital and are uninsured. I hope this never happens to your perfect a**.
WhoMadeNorman
WhoMadeNorman
2011-09-02 18:07:25
Unknown
Actually, I disagree. There are numerous companies out there, that prey on the innocent, and try to instill fears into the folks that they are calling. I've rec'd a number of calls from someone saying they were Directv this week. Problem is, I have already talked to Directv 3 times this week, and while on the phone, I asked what they were calling me about, and they had no idea. They searched my account for notes, but to no avail. When I called the number back, the same girl answered, that left me a message. I actually answered her call once, and all I got was a number asking me to call back. No person on the line, and no explanation as to why they called. She yelled at me that I was stupid if I didn't believe she was Directv. She wanted all of my account information on the phone. If you are Directv, you should be able to look up my account based on my name, and phone number (which they obviously already have). Directv has always asked for the last 4 of my SS#, and that has not changed. They've never asked for my acct #. Point to this whole story...there are those that prey on others who are not wise enough to know the difference.
cb
cb
2011-07-20 23:55:01
Debt Collector
My husband was on a payment plan with Florida Hospital and we paid for 6 months never late, and the day he died (in that hospital) is the date on the letter stating his account was being turned over to this company. Due to my grief, and my attorney saying not to pay, I totally forgot about it until receiving a call today. I would be more than happy to have paid the hospital but not this agency. What alternatives do I have?
CoolBuffy9802
CoolBuffy9802
2011-07-02 18:05:32
Unknown
Yes, It is Torrey Pines Bank which collects payments for hospitals around the US.
Liz
Liz
2011-06-06 21:05:25
Unknown
This is City National Bank.  Medical doctors or hospitals SELL your account to them.  They are not a debt collector so I do not believe this is protected from a Hipaa complaint.  I believe you can file one.  They buy your account of say $300 and then convert it to a loan without your permission and then try to bully you into paying it.  Say no, hire a lawyer and sue.  This is fraud and unfair debt collection under the DTPA.
Shelly
Shelly
2011-06-06 21:05:25
Unknown
If it were that important they would answer or leave a more detailed message.  Do not give out any personal/important information until you can verify that it is a legit company claiming on a legit outstanding account.  I have had this happen to me before and it was a total scam.  Company claimed I had $18,000 of debt collections starting on a date that I didn't even own a credit card.  They tried to obtain my social security number.  Luckily I was smart enough to not fall for that. Whatever you do don't cave into giving them your personal information.
Shelley C. Olson
Shelley C. Olson
2011-06-06 21:05:25
Unknown
If they won't leave a specific message, they must not consider it important.
Some Guy
Some Guy
2011-06-06 21:05:25
Unknown
Just so you all know, HIPA is a law that requires banks, lenders, or anyone else with your private information to have you verify who you are before discussing private and personal information with you. If the one person is right and this is medical bills, then this is FEDERAL LAW.
Amy
Amy
2011-06-06 21:05:25
Unknown
I just got the same message from City National Bank asking me to call them back.  Obviously, I do not want to do that.  I would rather not hire a lawyer as I do not have the means to do so.  What should I do??
David in Seattle
David in Seattle
2011-06-06 21:05:25
Unknown
This recording said they were "Sun West Bank" calling for my wife. She has just had extensive medical treatment for a broken leg but our insurance has paid for nearly all of it. Our out of pocket bill is almost completely finished and is easily managed so it is never late. I believe the statement above that the hospital may have sold our info but I find that since we are a payment away from being finished and have never been late I am pissed off that we are receiving these calls. It IS fraud in my opinion.
Lisa
Lisa
2011-06-06 21:05:25
Unknown
I have no idea who this is as they've called 3 times and never left a message.  They call every night around 7:30-8:00.  I thought they had to call between certain hours if they are debt collectors?  I have medical bills as well, no insurance.  If it's important, they should leave a message.
jit
jit
2011-06-06 21:05:25
Unknown
ask me to call back
Sad
Sad
2011-04-02 18:08:07
Unknown
You are all some sad a** people that don't want to pay your bills huh?

Hospitals and Doctors should be allowed to turn people like you all out the door when you all show up hurting and in pain.
Some Guy
Some Guy
2011-04-02 18:05:41
Unknown
I am glad people are informed on things like this. I just wish people didn't try to get out of paying their hospital bills. The EVIL hospital that may have saved your life needs the money right away so the EVIL bank helps them do that, more than likely the EVIL bank is not charging you interest on your account because it is a medical account.

So even though people got service from a hospital, the people don't want to pay....


Who is EVIL the hospital for providing the service, the bank for making it possible for you to make low monthly payments, or (could it be possible) the ungrateful person that received care but now just wants to find a way out of paying their bill?
Betty Answer
Betty Answer
2011-04-02 18:01:26
Unknown
A demand letter? I have never even heard of that. What do you want to demand?
Some Guy
Some Guy
2011-04-02 18:00:21
Unknown
Wow is that what the world has come to? I think the hospital should have put you on ignore when you needed help. It is people like you that makes me sad for our world.
Worker
Worker
2011-04-02 17:59:08
Unknown
Sure,

Give us a call back and we would be happy to speak with you. You can reach us between 6am and 6pm PST. If you want you can ask for me by name. My name is Arthur and I would be happy to assist you.
Some guy
Some guy
2011-04-02 17:56:42
Unknown
It is regarding something important, companies don't just call you twice a day for no reason. When someone calls my phone I pick up so they stop calling. Of course I can afford to pay my bills.
LAMET
LAMET
2010-08-20 19:21:16
Unknown
They mean to follow WHAT FDCPA (laws debt collectors are required to follow) says to do

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT.  
Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


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
Cherokeechick
Cherokeechick
2010-08-20 19:16:35
Unknown
its a hospital collection agency, for numberous hospitals around the U.S
NAN
NAN
2010-08-05 14:20:35
Unknown
Fla Hospital sucks! they are suppose to be a religious hospital caring for the people and when i told them I could only afford to pay them 50 a month on a $2000 bill the turned me over to City bank;meanwhile I know from "inside" sourses that Illegals are in the hospital and they just write the bills off for them!!
Betty
Betty
2010-06-08 23:11:01
Unknown
What is a demand letter and how do you go about getting one?
1-855-342-2706 1-936-553-5573 1-210-301-0307
Call Type:
Comment:
Your name:
Validation:
© WHOSCALL.IN 2011-2024 - Privacy