888-552-3393
 | Danielle 2011-10-19 22:27:20 Debt Collector |
I was threatened with being taken to court for fraud by a Rodney Foster. They debited my bank account 2 times and my account was paid in FULL! They promised me a "paid in full"letter. It has been 5 weeks and I go round and round with them and cannot get them to send me my "paid in full" letter. I have no idea if I have just been scammed or not???
| Tony ramos 2011-09-07 20:11:23 Unknown |
I got the same problem ! They said Im gonna be served and sued . I talked to a guy and said to avoid all the legal action to pay 450! Sounds fishy to me! Not sure what to do
| Frustrated 2011-08-20 02:30:58 Debt Collector |
Been calling family and friends and telling them I will be arrested for check fraud and hot check also that I will be sued. I called Melissa Wilson back she was threatening me for arrest and wouldn't answer my questions she finally hung up. Does anyone have their address to send a cease and desist letter?
| Frustrated 2011-08-20 02:27:23 Debt Collector |
Been calling family and friends and telling them I will be arrested for check fraud and hot check also that I will be sued. I called Melissa Wilson back she was threatening me for arrest and wouldn't answer my questions she finally hung up.
| Li 2011-07-05 18:56:10 Unknown |
Call from Melissa a trainer for the firm Louis & McCarthy wanting to talk to somebody specific (that wasn't me) about a file. Left a call back number
| Angel 2011-06-28 13:32:13 Unknown |
A report to the Attorney General's office will be the next step to put an end to whoever is doing the calling. Sending a notice to them to cease all phone calls obviously doesn't sink in to that outfit. If they want attention, I will gladly give them the attention they want .. from the Attorney General's office and the Federal Trade Commission.
| Bernanke 2011-06-17 16:45:47 Debt Collector |
888-552-3393
716-748-6135
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
15 USC 1692d
§ 806. Harassment or abuse
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.
(4) The advertisement for sale of any debt to coerce payment of the debt.
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller?s identity.
1. Section 604(3) has been renumbered as Section 604(a)(3).
15 USC 1692d
8
§ 807 15 USC 1692e
§ 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
(2) The false representation of?
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.
(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to?
(A) lose any claim or defense to payment of the debt; or
(B) become subject to any practice prohibited by this title.
(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
15 USC 1692e
9
§ 807 15 USC 1692e
(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.
(13) The false representation or implication that documents are legal process.
(14) The use of any business, company, or organization name other than the true name of the debt collector?s business, company, or organization.
(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.
have questions?
want answers?
want to make some cash from FDCPA,FCRA violations?
Learn the law and learn your rights.
we actually want these idiots to call it's payday usually for us when they do. :)
go to the above link and dl the pdf and study it.
then go to the url below and begin your journey to becoming a PRO SE litigant that's to be reckoned with and guess what its all free knowledge 24/7
debtorboards.com
716-748-6135
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
15 USC 1692d
§ 806. Harassment or abuse
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.
(4) The advertisement for sale of any debt to coerce payment of the debt.
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller?s identity.
1. Section 604(3) has been renumbered as Section 604(a)(3).
15 USC 1692d
8
§ 807 15 USC 1692e
§ 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
(2) The false representation of?
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.
(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to?
(A) lose any claim or defense to payment of the debt; or
(B) become subject to any practice prohibited by this title.
(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
15 USC 1692e
9
§ 807 15 USC 1692e
(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.
(13) The false representation or implication that documents are legal process.
(14) The use of any business, company, or organization name other than the true name of the debt collector?s business, company, or organization.
(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.
have questions?
want answers?
want to make some cash from FDCPA,FCRA violations?
Learn the law and learn your rights.
we actually want these idiots to call it's payday usually for us when they do. :)
go to the above link and dl the pdf and study it.
then go to the url below and begin your journey to becoming a PRO SE litigant that's to be reckoned with and guess what its all free knowledge 24/7
debtorboards.com
| Yolanda Ross 2011-06-06 21:05:41 Unknown |
Can you search to see who this is. They threaten to say Lewis McArthur law firm. They state the law will come to your job and home if you do not comply. Who are these people.
| gm 2011-06-06 21:05:41 Unknown |
They are some 2-bit bottom dwelling collector that has bought out a past due credit .
You can actually block their number from your phone.
You can actually block their number from your phone.
| Peggy 2011-06-06 15:06:33 Unknown |
call leave no message
| Cynthia McAdams 2011-05-30 14:08:58 Unknown |
Automated message left. They are calling my cell and work,it is always a automated phone message.
| victor 2011-05-27 14:32:39 Unknown |
collector, auto message, calling for someone else?
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