888-393-6050
 | amine 2011-08-29 23:39:31 Unknown |
hbiba dyali ana mansitkchi
| . 2011-07-13 18:20:38 Unknown |
Another name used by the Corona Scam.
The "debts" are fake, the "process server" calls are just made as threats, and there is no "lawsuit".
Pull your credit reports and you will probably find an inquiry from them allowing them to get information on your old accounts to use in the scam.
They use shill posts to try to counter consumers posting information on them under any of their names.
The "debts" are fake, the "process server" calls are just made as threats, and there is no "lawsuit".
Pull your credit reports and you will probably find an inquiry from them allowing them to get information on your old accounts to use in the scam.
They use shill posts to try to counter consumers posting information on them under any of their names.
| Julia 2011-06-06 21:05:28 Unknown |
I'll tell you what's happening. They are trying to scam you. They've been trying to do it to me, too. Next time, ask them for contact information so you can check them out with your local sherriff's department. And incidentally, a process server doesn't warn you when they are coming. They just show up, so you don't have time to be conveniently gone, you know what I mean? They are NOT who they say they are, and they have no power to do anything to you.
| john 2011-06-06 21:05:28 Unknown |
This is a SCAM dont pay anyone
| John 2011-06-06 21:05:28 Unknown |
they just served with a summons yesterday?!?!...they didnt even give it to me they gave it to my dad. I called the 888-393-6050 i talk to a andrew i think...he said to show up to court.
| mimi 2011-06-06 21:05:28 Unknown |
This number called my work asking when it would be a good time to come in and serve me. They have never attempted to serve me at home. They were willing to stop everything if what is apparently owed was paid in full on the spot or in a couple of days so long as they had a credit card #. They claim I can't have a court date. Is that even possible? No court date so that I can investigate the matter and take proof that I never had what they claim in my possession?!?! "Roland" was upset that we worked more than 12hrs just to help me out. I don't know what's happening.
| Cowboy 2011-06-06 21:05:28 Unknown |
John is a fake no summons that is the collection company trying to fool you in to paying and old debt NO way it won't make your credit any better time will heal old wounds ! They are cheap fakes !
| Ervin 2011-06-06 21:05:28 Unknown |
RE: phone # 1-888-393-6050 x103 Phone Rep: Corona
Stating they were the Legal Dept, Law Office
This number called us at home tellin asking if I would home from 9:00am through 5:00pm as there was going to be someone coming to serve me with legal papers to appear in court. I asked them what this was about, and he said there would be two attemps to serve us and if they were unable to serve us, there would be a warrant issued for our arrest. I asked him what he was talking about, he said the only information he had was what he had told me. He said they were getting ready to serve the papers, and he would hold them off for an hour and I could call the number 1-888-393-6050 and ask for the legal department and supplied me with a legal document number, to see if something could be changed. I called the number. The first person answereing the phone asked for the legal document number, then transferred me to the "legal department". The lady that answered the phone and continued the conversation said her name was Corona. Corona then asked for the document number on the papers. I told Corona I did not have any papers yet. Corona stated normally people do not call her until they received their papers. I asked her what was going on. Corona said there was a civil suit against us from a past credit card company that we had negotiated a fee and paid off. My husband then took the phone and I went into the other room, accessed the computer and looked up the number and found this site. I gave my husband the folder for the Providian Credit Card Account. Around every two years an new collection agency purchases this account and contact us and we tell them the same thing, that this account was settled and paid off. This attemp was merely another colection agency trying to collect money that was not owed. They had purchased it from another company and they were trying to get money from us as they had purchased a debt that had been paid. Corona stated that she did show the amount we paid off in her records, but another account had been opened through Chase on this account. We had not as we do not use credit cards any more. After my husband told her several times that we did not owe the money and he was not going to pay the money, Corona said she would give us some more time to look into it.
When asking for her call back information we got:
Her name was Corona
phone # 1-888-393-6050 x103
Legal Dept, Law Office
Stating they were the Legal Dept, Law Office
This number called us at home tellin asking if I would home from 9:00am through 5:00pm as there was going to be someone coming to serve me with legal papers to appear in court. I asked them what this was about, and he said there would be two attemps to serve us and if they were unable to serve us, there would be a warrant issued for our arrest. I asked him what he was talking about, he said the only information he had was what he had told me. He said they were getting ready to serve the papers, and he would hold them off for an hour and I could call the number 1-888-393-6050 and ask for the legal department and supplied me with a legal document number, to see if something could be changed. I called the number. The first person answereing the phone asked for the legal document number, then transferred me to the "legal department". The lady that answered the phone and continued the conversation said her name was Corona. Corona then asked for the document number on the papers. I told Corona I did not have any papers yet. Corona stated normally people do not call her until they received their papers. I asked her what was going on. Corona said there was a civil suit against us from a past credit card company that we had negotiated a fee and paid off. My husband then took the phone and I went into the other room, accessed the computer and looked up the number and found this site. I gave my husband the folder for the Providian Credit Card Account. Around every two years an new collection agency purchases this account and contact us and we tell them the same thing, that this account was settled and paid off. This attemp was merely another colection agency trying to collect money that was not owed. They had purchased it from another company and they were trying to get money from us as they had purchased a debt that had been paid. Corona stated that she did show the amount we paid off in her records, but another account had been opened through Chase on this account. We had not as we do not use credit cards any more. After my husband told her several times that we did not owe the money and he was not going to pay the money, Corona said she would give us some more time to look into it.
When asking for her call back information we got:
Her name was Corona
phone # 1-888-393-6050 x103
Legal Dept, Law Office
| . 2011-03-07 05:03:45 Unknown |
"They put down an account number that I do not have or ever had with Bank of America, but they stated that the bank must have changed it...why wouldn't it show on my credit report as that number then? "
Maybe because they made it up?
Nothing says "con" like working hard to get payment without any proof up front.
Maybe because they made it up?
Nothing says "con" like working hard to get payment without any proof up front.
| . 2011-03-07 04:57:58 Unknown |
Shill.
| FeelLikeAnIdiot 2010-07-08 05:06:46 Debt Collector |
Thinking I was doing the right thing because this was not the first time this NFC now ARM contacted me, I paid them $1000 today and now I'm in tears because the agreement that I just got via e-mail doesn't comply with what I have on my credit report!!! They put down an account number that I do not have or ever had with Bank of America, but they stated that the bank must have changed it...why wouldn't it show on my credit report as that number then? Too confused, reported to my bank as fraud and will call them tomorrow to see if they will void the transaction or refund me my money. We'll see what happens, but I feel like an idiot! Here I thought that I was doing the right thing by paying something that I "owed" when in fact, it's not something that I have record of in my credit report...what can I do?
| Jimmy Dean 2010-06-06 09:37:29 Unknown |
Looks like the "stooges" are trying to skew the board content.
Fake "attorneys", fake "victims", all "talking" to each other about the awful things that are happening, and how they should have "settled" when they had the chance.
There are at least three other debt collectors also operating out of Corona, CA, playing the same game.
Calls allegedly from "process servers" threatening to serve "papers", but it can all be stopped by paying them right away, when most actual complaints are that no one knows what "debt" they are talking about. And on complaint threads against each debt collector, appear to be similar phony postings like we see here.
Why is that? Did you all go to the same "Corona School for Debt Collectors"?
Fake "attorneys", fake "victims", all "talking" to each other about the awful things that are happening, and how they should have "settled" when they had the chance.
There are at least three other debt collectors also operating out of Corona, CA, playing the same game.
Calls allegedly from "process servers" threatening to serve "papers", but it can all be stopped by paying them right away, when most actual complaints are that no one knows what "debt" they are talking about. And on complaint threads against each debt collector, appear to be similar phony postings like we see here.
Why is that? Did you all go to the same "Corona School for Debt Collectors"?
| imontothem 2010-04-24 19:04:54 Debt Collector |
for TERI, unfotunately this fits the same profile from the so called National FC or what ever the hell there called. i got a call in october2009 saying i was being served with a complaint. never happened. then they claimed they were going to an address that was 3 years old. they even got my mom's nunber and her address she just moved in about a year ago. how they get my mom's address when i never even lived there. why my mom's home number when i never lived or use her home phone on anything? then in febuary the finaly cought on about how now they had my actual address. so like an idiot i paind $1,000 for a down payment, to make payments of $150 monthly. This person told me she would send me a receip for the initial down payment via e-mail or mail. its been two months i have received not a receipt or a letter from them. the i did a search and the company never exists. the i called to try and have them tell me the name of the agency and they would not tell me. all they say i "coorporate office". like i dam robot. why can they answer by their agency name. anyways i glad i saw this online today because so far im out $1,150.00. but they are not getting a single penny from me. i owed $5,000 and now they say i owe $10,000.00. they had me deposite my money into an account from chase acct# 4463647532 (dont oput money here) ther account owner is some guy called john.
| NUNYA 2010-04-10 00:23:06 Unknown |
WOULD YOU PREFER TO BE AT YOUR FAMILY BAR B QUE AND HAVE SOMEONE WALK UP TO YOU AND SAY "YOUVE BEEN SERVED" OR ON YOUR JOB...I GOT THE CALL FORM THE PROCESS SERVER I CALLED THE 888 393-6050 NUMBER IT WAS MY DEBT I PAYED AND ASKED WHY WOULD THEY CALL FIRST I WAS TOLD ITS JUST COMMON COURTESY ALL BILL COLLECTORS ARENT BAD I PAID MY BILL MY CREDIT REPORT REFLECTS IT AND LIFE IS EASIER
| collectors-r-criminals 2010-04-02 22:47:42 Unknown |
Ahhh behold the collection agent who didn't make his quota this week LOL
Bad day in the boiler room? Run out of coke? Both?
Bad day in the boiler room? Run out of coke? Both?
| bob 2010-04-02 21:59:39 Unknown |
maybe if you scumbags would pay your f****n bills they wouldnt be calling you you trash.......pay your bills they will leave you alone you stupid f****
| Catina smith 2010-03-13 05:01:09 Unknown |
Thank you so much for the information I followed everything haven't heard from
them yet. The attorneys general office did send me a letter stating they were sending them a letter about third party contacts.
them yet. The attorneys general office did send me a letter stating they were sending them a letter about third party contacts.
| jonathan 2010-03-11 00:58:15 Unknown |
i was served a summons last week at my job, the sherriffs came the body shop where i work at. this is not a joke, i owed money to hsbc a few years ago and now i have to go to court and my attorney tells me not to fight it that iam gonna loose and have a garnishment. iam pretty much f****d, iam trying to get the money but its $5000.00 all these people saying its a scam are ignorant cause they owe money and probably dont want to pay but i will man up and say i owe it but i cant pay.
| lamet 2010-03-03 20:39:53 Unknown |
Was this your first contact regarding this alleged debt? Was the process server?
Using a 5 year old address tells me this is probably passed the Statute of limitations for your state and not legal to sue and YOU ARE NOT LEGALLY OBLIGATED TO PAY IT.
READ DEALING WITH DEBT COLLECTORS, STATUTE OF LIMITATIONS AND RECORDING CALLS
Its ILLEGAL FOR A DEBT COLLECTOR TO THREATEN A LAWSUIT WHEN THEY KNOW THEY CANNOT SUE FOR. Debts that have passed the Statute of Limitations for your STATE - no collection agency can sue you for - but many will try. YOU CAN SUE THEM FOR FDCPA VIOLATIONS
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/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
Using a 5 year old address tells me this is probably passed the Statute of limitations for your state and not legal to sue and YOU ARE NOT LEGALLY OBLIGATED TO PAY IT.
READ DEALING WITH DEBT COLLECTORS, STATUTE OF LIMITATIONS AND RECORDING CALLS
Its ILLEGAL FOR A DEBT COLLECTOR TO THREATEN A LAWSUIT WHEN THEY KNOW THEY CANNOT SUE FOR. Debts that have passed the Statute of Limitations for your STATE - no collection agency can sue you for - but many will try. YOU CAN SUE THEM FOR FDCPA VIOLATIONS
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/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
| lamet 2010-03-03 20:35:50 Unknown |
READ DEALING WITH DEBT COLLECTORS, STATUTE OF LIMITATIONS AND RECORDING CALLS
Its ILLEGAL FOR A DEBT COLLECTOR TO THREATEN A LAWSUIT WHEN THEY KNOW THEY CANNOT SUE FOR. Debts that have passed the Statute of Limitations for your STATE - no collection agency can sue you for - but many will try.
If they are calling family and neighbors - they are telling 3rd parties about your debt - THIS IS ILLEGAL.
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/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
Its ILLEGAL FOR A DEBT COLLECTOR TO THREATEN A LAWSUIT WHEN THEY KNOW THEY CANNOT SUE FOR. Debts that have passed the Statute of Limitations for your STATE - no collection agency can sue you for - but many will try.
If they are calling family and neighbors - they are telling 3rd parties about your debt - THIS IS ILLEGAL.
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/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
| lamet 2010-03-03 20:21:57 Unknown |
this is about scam debt collectors stealing money - TERRI PAID ONE COLLECTOR only to have another one calling about the same debt
SHE WAS SCAMMED BECAUSE SHE PAID THE WRONG COMPANY USING ILLEGAL THREATS.
SHE WAS SCAMMED BECAUSE SHE PAID THE WRONG COMPANY USING ILLEGAL THREATS.
| lamet 2010-03-03 20:19:21 Unknown |
Unfortunately that is happening a lot lately - jdb'S are getting debt info they ARE NOT PAYING for - and have no legal right to collect it. They take your money and JDB that really BOUGHT THE DEBT COMES CALLING.
Even if they had the right to collect - a lot of agencies KEEP the money they are paid and RESELL THE DEBT to another JUNK DEBT BUYER and it starts all over again
THAT IS WHY YOU NEVER PAY A JUNK DEBT BUYER!
ALWAYS CONFIRM WITH THE ORIGINAL CREDITOR WHO HAS THE COLLECTION ACCOUNT
Even if they had the right to collect - a lot of agencies KEEP the money they are paid and RESELL THE DEBT to another JUNK DEBT BUYER and it starts all over again
THAT IS WHY YOU NEVER PAY A JUNK DEBT BUYER!
ALWAYS CONFIRM WITH THE ORIGINAL CREDITOR WHO HAS THE COLLECTION ACCOUNT
| catina smith 2010-03-03 19:00:30 Debt Collector |
they are harassing my family and calling neigbors telling them they will come to serve me
| Not buying it 2010-02-26 18:29:08 Unknown |
I agree with commenters above. What kind of process server calls & gives you advance notice that they're coming to serve you?!? I used to work for a company who, if the client refused to pay, served those people & took them to small claims court. The phone "schpiel" I was given is pretty much identical to Teri's, above. But a few things didn't add up right off the bat. I asked what address it was where they were going to attempt service, & they read off two very old addresses where I'd lived temporarily in California. Here's the red flag: I haven't lived in Calif. for 5 years! SOooo: How/why did they get my cell phone # in my new state? I'm not even using the same physical phone as I was in CA. Is some fake process server really going to show up at one of those addresses? (I didn't write the addresses down, but I'm not even 100% certain those are accurate addresses in the first place. I did the "roommate thing" & moved practically every 6 mos for about 2 yrs). Also, I asked the guy who was calling what debt or case this was regarding,
and what area Court was issuing the summons? His answer to those questions was "I'm sorry ma'am, I don't have access to that information. That's all in the sealed documents". And then he gave me the 888-393-6050 number to call
& a case number to reference for more information.
I'm so tempted to call this number & find out what more "information" they can provide. But I'm thankful to have found this thread & to verify what my gut was telling me: That this HAS to be some kind of scam! If anyone has any other useful info I'd appreciate being kept in the loop. Thanks!
and what area Court was issuing the summons? His answer to those questions was "I'm sorry ma'am, I don't have access to that information. That's all in the sealed documents". And then he gave me the 888-393-6050 number to call
& a case number to reference for more information.
I'm so tempted to call this number & find out what more "information" they can provide. But I'm thankful to have found this thread & to verify what my gut was telling me: That this HAS to be some kind of scam! If anyone has any other useful info I'd appreciate being kept in the loop. Thanks!
| ANNONYMOUS 2010-01-23 01:20:58 Unknown |
NO YOU WERENT HOME
| ATTY SHAWN 2010-01-23 01:19:34 Unknown |
THANX ATTY GOOD ANSWER.. I AGREE WITH YOU
| ATTY SHAWN 2010-01-23 01:18:55 Unknown |
HOW DO YOU KNOW YOU WERE SCAMMED DID YOU OWE THE MONEY? WE ALL KNOW WHAT DEBTS WE ACCRUE DURING OUR LIFETIME...AND IF YOU KNOW YOU OWE IT YOU SHOULD PAY..THERE IS NO WAY THAT YOU CAN ACQUIRE A LOAN OR COLLATERAL IN ANY STATE OT COUNTRY AND THINK ITS FREE AND THEN GET MAD BECAUSE YOU ARE ASKED TO SURRENDER YOUR GOODS OR PAY FOR THEM.
| ATTY SHAWN 2010-01-23 01:16:34 Unknown |
NOT ONLY CAN YOUR WAGES BE GARNISHED BUT ALSO REMEMBER TO GET A CALL YOU ARE BEING SERVED IS BETTER THAN BEING SERVED AT A FAMILY FUNCTION OR AN OFFICE PARTY...YOU CAN BE GARNISHED FOR UP TO 25 PERCENT OF YOUR WAGES DEPENDING ON WHAT YOUR STATE ALLOWS...YOUR ASSETS CAN BE SEIZED IF YOU OWN ANY REAL PROPERTY AND A JUDGMENT ON YOUR CREDIT REPORT STAYS 10 YEARS..THE CREDITOR HAS THE FINAL SAY YOU MAKE THE FIRAT MISTAKE BY NOT PAYING YOUOR BILLS IN A TIMELY MANNER
| James 2010-01-06 21:53:33 Unknown |
Teri I did the samething you did...and now i have to pay almost 3 times the bill after going to court .... its crazy how $1,200 credit card bill goes to $8,000 in a few yrs its shouldnt be legal!!!!!
I hate america!
I have a question for the attorney...
are you located in California.. I need some advice
I hate america!
I have a question for the attorney...
are you located in California.. I need some advice
| Teri 2009-12-12 02:37:24 Debt Collector |
Company called e and pretended to be a collections agency for one of my previous creditors. Told me they were serving me with papers for a lawsuit and that the sheriff's department should be serving me soon.They stated that if I paid some of the bill they would remove court costs and not serve me. They knew too much information and were very convincing. Unfortunately they scammed me big time and I learned a valuable lesson. do not trust this company. National FC 1888-393-6050.
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