888-505-1911
 | got them 2013-09-18 14:39:16 Unknown |
i did some research prior to my credit card being used for personal purposes these guys are located in Lawrencville GA 30046 220 west crogan street do not pay them they will steal your card info and spend your money they are a scam and i wont rest until they go down.
| Tamianth 2013-08-27 02:51:22 Unknown |
Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2
Also read up on the laws and your rights:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
And see:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
*******************************
Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
****************************************
A Collection Agent May Not?
Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:
Misrepresent Him or Herself
A debt collector may not misrepresent himself as an attorney or law enforcement officer.
Use the Telephone to Annoy or Harass
A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.
Threaten Arrest or Lawsuit
A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.
Use Abusive or Threatening Language
A debt collector may no use abusive or profane language in the course of communication related to the debt.
Publish a Bad Debt List
Publishing the consumer?s name or address on a "bad debt" list is prohibited.
Contact By Embarrassing Media
A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.
Contact a Consumer at Work
A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.
Seek Unjustifiable Amounts
A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.
Contact a Consumer Represented by an Attorney
A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.
Communicate With a Consumer After Receiving a Validation Request
If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.
Communicate With Third Parties
A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.
Bills.com FDCPA FAQ
Below are questions Bills.com readers ask frequently:
Can a Collection Agent Call My Cell Phone?
Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.
I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?
No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.
A Collector Says I Will Be Arrested if I Do Not Pay
This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2
Also read up on the laws and your rights:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
And see:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
*******************************
Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
****************************************
A Collection Agent May Not?
Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:
Misrepresent Him or Herself
A debt collector may not misrepresent himself as an attorney or law enforcement officer.
Use the Telephone to Annoy or Harass
A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.
Threaten Arrest or Lawsuit
A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.
Use Abusive or Threatening Language
A debt collector may no use abusive or profane language in the course of communication related to the debt.
Publish a Bad Debt List
Publishing the consumer?s name or address on a "bad debt" list is prohibited.
Contact By Embarrassing Media
A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.
Contact a Consumer at Work
A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.
Seek Unjustifiable Amounts
A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.
Contact a Consumer Represented by an Attorney
A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.
Communicate With a Consumer After Receiving a Validation Request
If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.
Communicate With Third Parties
A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.
Bills.com FDCPA FAQ
Below are questions Bills.com readers ask frequently:
Can a Collection Agent Call My Cell Phone?
Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.
I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?
No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.
A Collector Says I Will Be Arrested if I Do Not Pay
This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
| Damn scammers 2013-08-27 02:42:44 Unknown |
These guys told me thet are garnishing my check they gave my ex wifes husband my social security number and told them personal info my ex wife found out my address and came to my house I wont rest until this company goes down I know they are in georgia when I get the address and I.will I will be mpre then happy to share
| tkpo 2013-08-21 18:53:20 Unknown |
I paid my credit card off in with this office service was great and any time Judgment is sign by a Judge wages can be garnished....
| Elspeth 2013-08-21 15:15:20 Unknown |
Any caller who refuses to mail (not email or fax) proof that the debt is yours and that you owe said debt to them is in violation of the FDCPA and you therefore owe them nothing.
Threatening alleged debtors is illegal. Again - if they refuse to send proof that this debt is yours and they can collect it, you owe them nada, zip, zilch.
Report the call to the FTC, the FBI and your state's Attorney General. Do NOT pay them or acknowledge the debt as yours. If you can, get the company name and physical address (not PO Box). You can then send them a cease and desist letter as well as a demand that they mail documentation proving the debt is yours. Send this letter certified mail/signature/return receipt requested so that you have proof that you can give to a consumer attorney if you have to. Advise the callers that on the advice of your attorney (even though you don't have one) you're recording every single call they make to you for multiple violations of the FDCPA.
Threatening alleged debtors is illegal. Again - if they refuse to send proof that this debt is yours and they can collect it, you owe them nada, zip, zilch.
Report the call to the FTC, the FBI and your state's Attorney General. Do NOT pay them or acknowledge the debt as yours. If you can, get the company name and physical address (not PO Box). You can then send them a cease and desist letter as well as a demand that they mail documentation proving the debt is yours. Send this letter certified mail/signature/return receipt requested so that you have proof that you can give to a consumer attorney if you have to. Advise the callers that on the advice of your attorney (even though you don't have one) you're recording every single call they make to you for multiple violations of the FDCPA.
| Upset 2013-08-19 20:25:51 Unknown |
I got a call from this # today and when I asked to validate the debt they flat out refused. They said I had to pay over the phone right then and there or the same thing everyone else mentioned would happen. I really am not sure if I owe but it is not unreasonable for them to send me a validation letter.....No options were given and nothing but threats were made. Just doesnt seem to be the legal way to inform someone that there is an outstanding overdraft from 6 years ago.
| Elspeth 2013-07-21 02:16:24 Unknown |
So you didn't ask them to mail you a debt validation letter proving you owed the debt to them, per the FDCPA requirements? Then, when you allegedly "got served", you didn't bother to show up in court and allowed them to win a judgment and garnishment by default against you? There are too many holes in your story.
For anyone else reading this - no one calls and gives you a heads up that you'll be served - the court process server just shows up and hands you the documentation. However, prior to being sued, you would receive (from legitimate, law-abiding collections agencies) many dunning notices. Those notices would be your cue to call them and request the debt validation letter showing original creditor, amount owed, date of loan, date of last payment and if the agency is licensed to collect debt in your state.
If an agency refuses to mail you this legally required documentation proving the debt is yours, they are in violation of the FDCPA. If, however, you did receive a DV letter, which proves the debt is yours and the agency can collect, you would either call them to set up payment arrangements or seek the help of a consumer lawyer for advice on how to proceed. Only if you ignore all of these dunning notices, calls, court papers, and fail to show up in court, would you end up having your wages garnished.
For anyone else reading this - no one calls and gives you a heads up that you'll be served - the court process server just shows up and hands you the documentation. However, prior to being sued, you would receive (from legitimate, law-abiding collections agencies) many dunning notices. Those notices would be your cue to call them and request the debt validation letter showing original creditor, amount owed, date of loan, date of last payment and if the agency is licensed to collect debt in your state.
If an agency refuses to mail you this legally required documentation proving the debt is yours, they are in violation of the FDCPA. If, however, you did receive a DV letter, which proves the debt is yours and the agency can collect, you would either call them to set up payment arrangements or seek the help of a consumer lawyer for advice on how to proceed. Only if you ignore all of these dunning notices, calls, court papers, and fail to show up in court, would you end up having your wages garnished.
| Truth hurts 2013-07-21 01:26:08 Debt Collector |
They had me call a # and I did and it was a bill collector I didnt pay and I got served I didnt go to court and now im gettin garnished these guys mean buisness
| The meanest bi*** you will ever meet 2013-07-08 20:19:50 Unknown |
I got the same call. All I have to say, is deliver the papers biotch and I will rip it up in yo face. Get real. If you want to pull your little dumbass scam on someone...you better find someone else, because believe me...I am not someone you want to screw around with. I will mess your entire life up. I will find out who you are, where you located, where you live...even who your stupid kids are......so if you call my house one more time, all I can say is....don't leave work or home alone. Nope...no threats....just promises. Good luck to you Arssholes.
| WhoKnows 2013-06-28 15:09:32 Unknown |
I git a call from them saying they had legal documents to serve me. Didn't sleep leave a company nane. U have no ideal who they are.
| sc 2013-06-05 20:51:14 Unknown |
Idk who these people are but they are calling my family and harrassing my family im gonna get an attorney and harrass back they cant serve my employment im on disability if they had any since they would know that! get someone that can speak better english
| Janey Dough 2013-06-03 18:29:16 Unknown |
The same thing happened to me. They called and stated that they would be delivering some court papers to my residence or place of employment.
| Sir Bedevere 2013-05-24 02:57:26 Unknown |
I suggest you hire someone who has a better command of the English language (or indeed any language) if you hope to fool anyone on this site.
| cRAZY5 2013-05-24 02:19:20 Unknown |
I got serve to come to court for a bill that owed. And get this, a freaking credit card bill. .....Look it up for your state ,they are called process servers.. they pay them to find people.. If a judgment has been signed off by a judge , .you can get garnish .. My wages were garnished.. I did not show up for my court date.. ..
| kevin stace 2013-05-20 20:53:25 Unknown |
same thing happen as above comment
| citizen jane doe 2013-05-20 17:30:56 Unknown |
yeah they keep leaving threatening phone calls about delivering some sort of legal document or certified letter to my place of residence or work place and leave this number and a claimant number. This was a woman this time who called and called herself a coyer! I am like what the heck is a coyer??? This time when she called her number was blocked too so I couldn't trace it but the stupid idiot gave me a number so I will report that! Apparently they don't get a clue that I will nor answer an unknown number or name that I am unfamiliar with much less fall for their scare tactics or scam operation. Their number and jig will be up in due process time.
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