F*** you . Too.  Jump off a tall bridge

Answered cause wasn't sure it could have been important. All I heard was heavy breathing.  Must have been getting rocks off calling people.

To Tim if you and your people treated me with respect I might consider talking to you. But to yell at me and threaten me? Really and refuse to give me the address of your company and ask for my Ssn are you nuts? Do you think I'm stupid enough to say it's my debit? That just means the statue of limitations starts all over again . You know nothing about this debit except you bought it to make money. I've dealt with people like you sadly and have yet to find a truthful one. They lie and try to scare you and harass you if I had the money to begin with I would have paid it. I'm not a dead beat sitting on my butt getting government handouts. I work two jobs to make ends meet.You care about commission that's it. You are making your boss rich by harassing people. So next time you call I won't answer and I'll block your phone number every time. Because you can reason with people like you.

I got a new # & keep getting calls from 888-613-0238 Stellar Recovery as well as other debt collectors so today (5-12-14) I called SR & politely told them that & that I apparently got the # of a debt absconder.  They told me the name of the person they're looking for (not sure that's legal) but were polite, very quick & said they'd take my # of their list.  We'll see.

Unless it is the "original" debit collector or the "FIRST" collections agency that purchases the debt........then they can not collect your money. Meaning they can not sue you because they do not have the original signed documents needed. So you do not owe "them" the money. This is clear information that I received from my "JAG" office on the base I am stationed at. If you ignore them and block them using Mr. Number (from every number they call you from-because they will try lots of them and not leave a message) they will go away. Silly ignorant people think they can scare you into giving them money lol

Oh and Tim if you see Elden, which im sure you guys are prob best friends, hold each others hands and skip off a cliff.  

thanks.

so Elden, has been calling my phone for months so i finally answer his phone call and he acts like we have been friends for years,, so i was confused and not sure what to say. he says his bit and i hang up. A few months later he tried to call again but this time he tried calling like seven times in a row and each time i didnt answer. So he called my dad... and he disclosed all of my information to my dad acting like he had known my dad for years. And now he wont stop calling my dad.. Elden really needs to get a life and a real job and stop calling my family just because i wont answer my phone. I never gave me my dads phone number or told me he could do any of that..

I always treat the debt collector with respect ,if they make mistakes , it's money in my pocket from them. Problem is the Junkers don't think they have to validate the debt with any real proof . In todays world of scams that is about to change as legislation is being presented to force third party collectors into providing actual proof up front . The type of proof that would win in court ! For now requesting validation from them is a joke !

Calling for someone who does not and has never lived here.  Rude and won't stop calling.

Do as I did one day when they called me and once I said I wasnt that individual he hung up.  So as punishment I called back numorous times.  I have also decided to contact his boss John Schanck.  I am going to write him a nice long letter and I am going to take the time to post on the internet every chance I get.  You know there is no tellinng what might get posted on the internet

888-613-0238. PLease stop calling my number. you guys are looking for a JOrge Perez, who used to have my new cell number 321-2500288. I am not that person.

Since Tim brought up FDCPA, one thing he forgets to mention - that per FDCPA - Stellar MUST PROVE YOU OWE the debt (orginal contracts) and they cannot do that - SO NO THEY HAVE NO LEGAL RIGHT TO COLLECT IT.

YOU ARE NOT LEGALLY OBLIGATED TO PAY ANY DEBT PAST SOL  - that is why they have the Statute of Limitations to begin with and why Stellar uses illegal collection tactics


File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

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

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


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
        February

Collection agencies like Stellar Recovery and collectors like Tim have a lot less power than they would like you to think.  Even more so if the debt is past the statute of limitation.  Simply send them a letter by certified mail, stating you refuse to pay the debt and demanding that they cease all communications with you.  Save a copy for your file.  If the calls continue, find a lawyer in your state specialing in the FDCPA and sue the collection agency.

Regarding the "brilliant lawyers" who represent collection agencies, trust me, there are very few of them.

And bottom feeding losers like "Tim" show what happens when you drop out of junior high

I work for Stellar Recovery! People like "FRANK" are confused about a few things. Because a debt has been charged off even 20 years ago, does not mean that us calling is illegal by any means. Its a valid debt! The only thing the stature of limitations protects you "DEBTORS" from is being taken to court, or showing a fresh judgment on your credit report. If your going to act like a know it all maybe you should get the FACTS straight first before making yourself look like a TOOL over the internet. Look into the FDCPA - Fair Debt Collections Practices Act and the FTC - Federal Trade Commission (Who Regulates The FDCPA). Im serious people, treat the collectors with respect. It's not our fault you never paid your bill and it whent to collections and was re-sold a few times because you've managed to dodge it long enough for "STATS" to protect you from your own mistake. Collectors have the ability to legal call until the matter is resolved. I suggest 2 options. 1. Pay the bill (You can even request 20% to 40% settlements and most will work with you) Or 2. Send a letter to the agency requesting to either only be contacted by mail or a C&A letter (Requesting to never be contacted again, which is bad esp. w/recent debt to where they could make decisions regarding collection steps without having to legally notify you). In reality resolving these matters is terribly simple. The worst thing you can do is sit back on your couch all day, watching judge judy and starring at your Caller I.D counting how many times the Agency has called. I mean seriously? Get a life. And to you FRANK, Next time you think your informing and helping these people on WhoCallsMe.com, make sure you have your facts straight before they end up hiring a lawyer and losing a case to one of our brilliant lawyers in court. Good Day And PAY YOUR BILL!

they leave messages on my voice mail with an automated message saying "by continuing to listen to this message, you acknowledge that you are.." and they have the wrong number. My voice mail apparently makes them think that since they get the chance to leave their long drawn out message, I am acknowledging that I am someone I am not. Go Away - Stop Calling Me!

stellar recovery inc.