888-505-2895
 | kristin177 2013-10-09 10:57:39 Unknown |
Please give me any iformation you can.. My human resources office where I work recieved a phone call today from a woman saying I need to call this number within 1 hour or the police will be there to serve me with papers.. I was however not at work today.. So I get a frantic call from my hr manager saying that these people want me to call them... she gives me some phone number 888 505-2895 with a account #. So I call and Edward garcia picks up.. He says he is a paralegal for CK and Associates and that they are suing me for GE MONEY BANK for a JC penny account .. He said I stopped making payments in 2010 (wich is Completely faulse, I did have a jc penny card and my last payment was in 2006). He said they mailed me something recently to some addres I have never lived. I told him I was looking at my credit report and I didnt see a GE money bank on my credit report or jc penny account, (I do not think he was expecting me to have a week old copy of my credit report in hand). He told me he would suspend my account and gave me another number to call ge money bank so I can verify my account is real 800 542-0800.. I am supposed to call him back in a day or 2 to offer him 600 to resolve the account. or basically i will see them in court oh and He would not take my new address to mail me papers.. this is just weird!
I will remind you I did have a Jc penny card but it is no longer on my credit report neither is ge money. I think he is trying to collect on a debt that has past the statute of limitations
They cant keep calling my work.. This account is NOT on my credit report.. It is a old debt nowhere on my account is there a ge money or jc penny account
I will remind you I did have a Jc penny card but it is no longer on my credit report neither is ge money. I think he is trying to collect on a debt that has past the statute of limitations
They cant keep calling my work.. This account is NOT on my credit report.. It is a old debt nowhere on my account is there a ge money or jc penny account
| kristin177 2013-10-09 10:55:57 Debt Collector |
Please give me any iformation you can.. My human resources office where I work recieved a phone call today from a woman saying I need to call this number within 1 hour or the police will be there to serve me with papers.. I was however not at work today.. So I get a frantic call from my hr manager saying that these people want me to call them... she gives me some phone number 888 505-2895 with a account #. So I call and Edward garcia picks up.. He says he is a paralegal for CK and Associates and that they are suing me for GE MONEY BANK for a JC penny account .. He said I stopped making payments in 2010 (wich is Completely faulse, I did have a jc penny card and my last payment was in 2006). He said they mailed me something recently to some addres I have never lived. I told him I was looking at my credit report and I didnt see a GE money bank on my credit report or jc penny account, (I do not think he was expecting me to have a week old copy of my credit report in hand). He told me he would suspend my account and gave me another number to call ge money bank so I can verify my account is real 800 542-0800.. I am supposed to call him back in a day or 2 to offer him 600 to resolve the account. or basically i will see them in court oh and He would not take my new address to mail me papers.. this is just weird!
I will remind you I did have a Jc penny card but it is no longer on my credit report neither is ge money. I think he is trying to collect on a debt that has past the statute of limitations
I will remind you I did have a Jc penny card but it is no longer on my credit report neither is ge money. I think he is trying to collect on a debt that has past the statute of limitations
| Hummingbird 2013-10-05 17:04:38 Debt Collector |
Got a call from 919-439-9999. Someone named Susan" from "PSD, Process Services Dept", left a message saying I needed to call them about "process services against me on a complaint filed." She said I needed to contact the issuing agent in their legal department and to call 888-505-2895.
Called 888-505-2895 and a guy named Mike answered "CK and Associates." He said they were going to send a process server to my house on a complaint filed in my county court for a debt owed to GE Money. (I had a debt to GE Money over 5 years ago that I paid off.)
He said I would have to pay immediately or the complaint would "go public" and they would send the process server to my house today. He had my name, phone number and my address!!!!
He said they sent me "notice back in May" that I never responded to and that if I didn't pay then they would send the process server to my house! I told him I never received a notice and asked him to send me a copy. He told me he couldn't stop the process service but "maybe" he could reschedule it to the next morning at 9:00 a.m. and that he was "logging into the court system" to see if he could postpone it.
btw, I worked for law firms for over 20 years and I KNOW that service of process is always performed AFTER a complaint is filed with the court.
So I played the game... I told him I didn't have the money, but that I might be able to get the money tomorrow. I asked if I could get their address and send a money order or check in the mail. He said I would have to overnight it because if they didn't get it by 9:00 a.m. the next day that wouldn't stop the process server from coming to my house.
Then he said I should pay now with a credit card--OR--go to a Bank of America today and deposit the money into THEIR BANK ACCOUNT!! He gave me a Bank of America Account# 325014695254. And told me to get the confirmation number from the bank and call him back.
Geez, these guys are dumber than dumb. I have never had a company give me their bank account number to pay a bill. Anyway...
I asked what if I could mail a check or money order and could I have their address. He said I would have to overnight it or else the process server would show up at my house in the morning.
Of course, I have not paid them. No "process server" has shown up at my house. It's a scam. Or possibly a debt scavenger (who buys old debts) trying to revive zombie debt (old debt that has gone past the statute of limitations). Either way, they are using scare tactics and threats to try to get people's money.
Here are phone numbers from these people:
919-439-9999
888-505-2895
626-593-6637
Here's the address for these scum bags:
CK and Associates
1005 E Las Tunas Dr #105
San Gabriel CA 91776
Google map and look up street view of the address. It's a post office box in a scummy neighborhood!
I received 3 more calls from them today. I am going to send a letter that will scare the beejeezus out of them I found here:
http://www.creditinfocenter.com/rebuild/debt_validation.shtml
Here's some info about how to deal with these low-life scammers:
Debt Scavengers and Zombie Debt
http://www.adielhemingway.com/?p=108
The California Fair Debt Collection Practices Act prohibits debt collectors and creditors from using unfair, deceptive, or harassing behaviors.
http://www.nolo.com/legal-encyclopedia/califo ... ction-laws.html
U.S. Consumer Financial Protection Bureau
http://www.consumerfinance.gov/askcfpb/1695/i ... do-i-reply.html
Called 888-505-2895 and a guy named Mike answered "CK and Associates." He said they were going to send a process server to my house on a complaint filed in my county court for a debt owed to GE Money. (I had a debt to GE Money over 5 years ago that I paid off.)
He said I would have to pay immediately or the complaint would "go public" and they would send the process server to my house today. He had my name, phone number and my address!!!!
He said they sent me "notice back in May" that I never responded to and that if I didn't pay then they would send the process server to my house! I told him I never received a notice and asked him to send me a copy. He told me he couldn't stop the process service but "maybe" he could reschedule it to the next morning at 9:00 a.m. and that he was "logging into the court system" to see if he could postpone it.
btw, I worked for law firms for over 20 years and I KNOW that service of process is always performed AFTER a complaint is filed with the court.
So I played the game... I told him I didn't have the money, but that I might be able to get the money tomorrow. I asked if I could get their address and send a money order or check in the mail. He said I would have to overnight it because if they didn't get it by 9:00 a.m. the next day that wouldn't stop the process server from coming to my house.
Then he said I should pay now with a credit card--OR--go to a Bank of America today and deposit the money into THEIR BANK ACCOUNT!! He gave me a Bank of America Account# 325014695254. And told me to get the confirmation number from the bank and call him back.
Geez, these guys are dumber than dumb. I have never had a company give me their bank account number to pay a bill. Anyway...
I asked what if I could mail a check or money order and could I have their address. He said I would have to overnight it or else the process server would show up at my house in the morning.
Of course, I have not paid them. No "process server" has shown up at my house. It's a scam. Or possibly a debt scavenger (who buys old debts) trying to revive zombie debt (old debt that has gone past the statute of limitations). Either way, they are using scare tactics and threats to try to get people's money.
Here are phone numbers from these people:
919-439-9999
888-505-2895
626-593-6637
Here's the address for these scum bags:
CK and Associates
1005 E Las Tunas Dr #105
San Gabriel CA 91776
Google map and look up street view of the address. It's a post office box in a scummy neighborhood!
I received 3 more calls from them today. I am going to send a letter that will scare the beejeezus out of them I found here:
http://www.creditinfocenter.com/rebuild/debt_validation.shtml
Here's some info about how to deal with these low-life scammers:
Debt Scavengers and Zombie Debt
http://www.adielhemingway.com/?p=108
The California Fair Debt Collection Practices Act prohibits debt collectors and creditors from using unfair, deceptive, or harassing behaviors.
http://www.nolo.com/legal-encyclopedia/califo ... ction-laws.html
U.S. Consumer Financial Protection Bureau
http://www.consumerfinance.gov/askcfpb/1695/i ... do-i-reply.html
| RETIRED BILL COLLECTOR 2013-10-02 18:55:50 Debt Collector |
I TOO RECEIVED A CALL FROM THESE FOLKS. I MYSELF HAVE BEEN A COLLECTOR AND I WILL BE THE 1ST TO ADMIT, THESE GUYS ARE RUTHLESS BUT I HAVE DONE MY HOMEWORK AND THESE GUYS ARE LEGIT THEY ARE JUST PLAYING A LITTLE ROUGH. THE 1ST THING YOU HAVE TO FIND OUT IF THEY ACTUALLY OWN THE DEBT OR IF THEY ARE WORKING FOR A COMPANY TO COLLECT. IF NEITHER ONE OF THESE QUESTIONS ARE ANSWERED THEY ARE A SCAM. I HAVE DONE THE CHAIN OF TITLE AND HAS STOPPED AT FINANCIAL ASSET MANAGEMENT. I JUST CAME ON HERE TRYING TO FIND ANOTHER PHONE NUMBER TO THAT COMPANY AND SO NO ONE HERE REALLY KNOWS WHAT THEY ARE DOING, ANYHOW DONT MEAN ANY OFFENSE JUST BEING HONEST. THEY ARE ON BEHALF OF FINANCIAL ASSET MANAGEMENT. THESE GUYS ARE REAL WAKE UP! I JUST WANT TO SEE IF I CAN DEAL WITH THE OWNERS OF THE ACCOUNT TO GET A SUPER LOW SETTLEMENT SINCE I AM CLEANING MY CREDIT. THE PROBLEM IS THAT I CANT GET A PHONE NUMBER FOR THE OWNERS OF THE DEBT IT SEEMS I HAVE TO DEAL WITH THIS COLLECTION AGENCY OR LAW FIRM OR WHATEVER THE HELL THEY ARE. FYI SINCE I TOLD THEM I WAS IN THE BUSINESS YEARS AGO THEY HAVE BEEN COOL WITH ME I JUST WANT TO PAY AS LESS AS POSSIBLE. LOL
| Tamianth 2013-10-01 03:19:55 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://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
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://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
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.
| Scammed 2013-10-01 03:10:15 Debt Collector |
CK and Associate....people bewaremofmthis company...com artist...scammers....
| So upset 2013-10-01 03:06:51 Unknown |
MR. Edward Garcia .maynyou rest in peace.....and please die a thousand times....
| June lady 2013-10-01 03:02:08 Unknown |
He you scammers...stop ruining families..we are poor...don't get milk from us....
| June lady 2013-10-01 03:00:44 Unknown |
Those who are harassed ...fight back...a Taylor..a Edward Garcia....Mr. jones....
| Deeply harassed June lady 2013-10-01 02:57:25 Debt Collector |
My family even my sister in law with another last name ...a paralegal Mr. Edward Garcia...he said I owed Mervin Dept. Store...And was trying to get a payment from me from 3k down to 1k....I asked him to provide me with their office address..in LA..but he won't provide ...he said San Gabriel but won't give the exact street number...only this damn 18885052895 X 210...last year around September too...a Mr. Jones was calling me with an old JCPennet account..googled it..indeed they are scammers....I got a free legal lawyer from LA who really helped me find these scoundrels...my lawyer said...they are indeed scammers .those who are harassed please get the services of a free lawyer....Mr. Garcia....stop harassing poor people like us....call people from Beverly Hills where you can get real money...us...we are so,poor to be scammed....you cannot even provides with your office address...that,alone according is a great scam...
| CG 2013-09-27 22:16:54 Unknown |
A man named "Chase Morgan" called our house line asking for a Richard Queen...His name was given to them to be served...They were trying to reach him...We don't even know who Richard Queen is!!...They even called my cell number which I do NOT give out to anyone I don't know.
| 888-505-2895 2013-09-25 09:56:16 Unknown |
Stupid scam artist named Taylor Smith from CA left a message in my voice mail asking me to call them back to verify for a proper time to be served notice for possible court appearance. I am from MA i don't owe anyone money or have any Legal Issues in CA. Stop Calling Me.
another number associates with this Fraudster is (213) 293-6029
another number associates with this Fraudster is (213) 293-6029
| DC 2013-09-23 21:39:09 Unknown |
I HAVE JUST GOTTEN THE SAME MESSAGE... THEY EVEN WENT SO FAR AS TO CALL MY EX HUSBANDS WIFE LOOKING FOR ME... THEY NEVER GIVE MY NAME... I TRY TO GET INFORMATION FROM THEM AND THEY SAY I NEED TO CALL THIS NUMBER BACK.SAYING WE OWE THEM MONEY... SCAM... THEY ARE GOING TO HAVE ME SERVED WITH PAPERS.
| bothered too 2013-09-05 18:01:24 Unknown |
Just received a voice message stating that "This is an urgent message" for two people that I have never heard of before that have had a complaint filed against them. They are to contact Angela Warner at Process Verification to discuss their case.
What the heck is this? There is no such company with that name on Google search. This has to be a total scam!
What the heck is this? There is no such company with that name on Google search. This has to be a total scam!
| bothered 2013-08-09 19:13:48 Unknown |
They started calling my husband, saying "we" owed them money, didn't even know our last name!
| intrigada 2013-08-08 02:25:23 Unknown |
stop harassing me! cease and stop calls! beware of this phone # 1-888-505-2895!
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