YOU BETTER PAY YOUR STINKING BILLS!!

This company called my apartment complex management company looking for a relative of mine!!!   Did not call my home phone!!!  They wanted me to verify SS# for this person - unbelievable!!  Definitely  not a professional company.  Scamming in some way to get the apartment complex's phone number.

It's a collection agency.

I have received a billion calls from creditors looking for Christopher Piccone at my office number at work. I've politely told them a billion times they have the wrong number but they don't stop calling me. I told them he doesn't work here. They asked when did he leave? I've told them he's moved, he's dead, he left the country etc. They are nasty. Chris Piccone if you are out there, please call 888.360.0517 and ask for extension 4238 reference no. 14800950. Thanks.

A rep called from 888-360-0517 x 3745 and said that I owed them money for an air line ticket. They said they were Kowalski Bank from Greece. I live in US and have not had any contact with any banks or airlines in Greece.

The FTC, when I spoke with Walter (Indiana) indicated that complaints against COLLECTION AGENCIES are not covered under the FTC Do Not Call Program, even if they call you regarding other individuals. This bueaucratic tax sucking agency appears to have little help for anyone. They indicate they need a lot of complaints (number not diclosed) before their Lawyers can look into your complaints. Suggust that you have your relatives, friends, and spouse, all send letters and place phone calls to this governmental organization and to your Federal Representative(s). This may be the only way to keep the pesky "blood sucking" vermon from get a foot hold into your bank accounts.

Creditors Interchange Receivable Management
80 Holtz Dr      Airborne Business Pk.,
Cheektowaga, NY 14225-1470
Phone: 716-614-7500  
Fax: 716-614-7546
also known as "The Benchmark Group"
Web Address: www.creditorsinterchange.com  

CONSUMER ALERT

BEWARE of scam - Interchange Collectors call, posing as "Senior Prosecutors from State Agencies threatening immediate legal action.
  Other Offices:
Appletree Business Park Ste 9
2875 Union Rd
Cheektowaga, NY 14227-1465
Fax: (716) 614-7546

8550 Erie Rd
Angola, NY 14006-9612
Phone: (800) 693-3455
Fax: (716) 614-7611

2700 W. Cypress Rd Ste 100
Ft Lauderdale, FL 33319
Phone: (800) 963-3455
Fax: (716) 614-7611


23355 Mercantile Rd., Suite 9000 A
Beachwood, OH 44122
Fax: (216) 464-0600
866-513-9468




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Bud Says                         Consumer Comments Below

Creditor's Interchange is located in Buffalo, NY,  and they have a large collection operation across the river in Canada where the wages and worker benefits are even smaller.

VERY aggressive debt collectors who lie, threaten and do any illegal act imaginable to separate you from your money. These are nasty, desperate conmen,  and should NEVER be trusted. They have posed as bankers, lawyers and other professionals to scare consumers into believing something bad would happen, if monies were not immediately forthcoming.

In reality, these low-lives of the collection industry are nothing but a fraud! Any debt collector from Buffalo, New York is desperate, however Creditors Interchange apparently is hiring the WORST of the WORST! Stay far away -- they are desperate and dangerous.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available


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

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

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


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

I get a call from "unknown caller" almost daily. It's a recording. He never asks for anyone by name. He says his name is Tom Gold. He says to press 1 and or call 888-360-0517. I just reported this to the phone company.The company is called Creditors Interchange.

Ask for the caller's full name.  Ask for their company name and ask them to spell it.  Get their mailing address in full.  If they refuse to give this information tell them you want to speak to a supervisor.  If they refuse then you can file a complaint with the Federal Trade Commission.  Collections reps are required by law to answer those basic questions without reservation.

Once you have that info you can mail them a cease and desist letter (many examples online) telling them to stop calling you (and your mom) and to only contact the person they are looking for by mail.  If they violate that letter then you have recourse.

yesterday 1-14 thursday called also my mother's answering machine  stating their need to reach j camara and to call immediately are they all right if u need someone get them not everyone elses number  how do we get rid of these roaches????????????????????

i have received a mssg from miss conrad this am 1-15-10 looking once again for john camaro /e brazil  my last name is brazil but not connected wth camara.  miss conrad is w company creditors iterchange;  yesterday it was mr noles saying same bs to me i spent 20min stating no by this name at this number   they ask me to spell both names  are they kidding  then missconrad hung up

Creditors Interchange with a bogus made up name of Mr. something or other. I think they make up a name for every client they call. When they dont respect that you advise them that the person they are trying to reach does not live at this phone number or that you ask that they stop calling and they keep calling,  Buy yourself the loudest airhorn you can handle without harming your own hearing and give it right back to em!!! CAll back several times and give it to any SOB that answers the phone from that company, tie up their phone lines, its a toll free call. Call and Call and Call and Call. Airhorns baby, that gets their attention.