they told me they were a law firm too calling my job i have not recieved any written notice of a debt collection in over 6 months or so i am guessing they have taken over an old debt i owe i have fallen on hard times and s*** happens and other things are more important like food water shelter so they can go and --ck their self until i recieve written notice i am not answering any calls or returning calls.

mcmillan and andrews, called a relative of mine in kansas, to reach me, i live in texas, they are trying to stick me with some credit card debt from 2001, they say was my dad's what a crock, i have called attorney generals office, they are in serious trouble!!!!!!!!!!!!!!!!!!!!!

Fraudulent harrasing cebt collectors

A rep from this company called & left a message for me.  When I returned the call and they pulled the paperwork, I was told that an Affidavit of Fruad was filed against me. He would not give me any info as I would not give him my SSN however, after he did release some info to me....and guess what...it was a debt I had already cleared through them 3 months prior!!!!  After verifying that fact, he yelled at me telling me, not to call them anymore and promptly hung up on me...without even an apology.  Guess the system reconigized my phone # because after I called back to give them a piece of my mind, the call went straight to music.  Would you believe this!!!

don't call

A Mr Johnson called me several times at my work after I told him not to. Complaint filed.

called the wrong number and they won't  quit

a 1099c with irs is a debt forgiveness form  you would file with your taxes after a company has accepted a settlement or just forgiven a debt that is over $600, it has nothing to do with search or seizure of anything these people are crooks apparently and using the scare tactices are illegal, they need to be shut down and fined and jailed

iTS ON THE INTERNET AND POSTED HERE BY ALFALFA ALREADY

McMillan and Andrews LLC
5677 S. Transit Rd Ste 325
Lockport, NY 14094
866-927-2310
info@mcmillanandandrews.com  


They call with THREATS because they cannot prove a debt is owed, its illegal scare tactics and must be reported ASAP


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 2009

YES THE NY ATTORNEY GENERAL WANTS TO HEAR FROM YOU IF YOU RECEIVING ILLEGAL COLLECTION CALLS FROM THEM

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 2009

Does anybody have their mailing address?

Yes, a "Peter" called saying they will send me a suponea to go to court,I said yeah right! then I hung up...

They contacted me to get to someone else. I asked how they got my phone number, as it's unlisted. I was told through a skip tracer. I told them I had some information, but I didn't know who she was, I'd check the internet to verify their existence, then would call them back if they were who they said they were (a law firm representing a client to collect a debt).

In the process, I found a lawsuit out on them, which was filed under the Fair Debt Collection Act and the jury awarded $75,001,000.00
http://dockets.justia.com/docket/court-azdce/ ... case_id-425154/

WARNING: Be careful with what you, family and friends post online, including social networking sites.

My local land line phone company made my phone number information unlisted, but not unpublished, which provided my home address. After I contacted them, which they denied releasing, they made my listing unpublished also, then I "disappeared" from the internet for my current address.

I also got a call from McMillan and Andrews they gave me a case number of 1821-42 when asked to be e-mailed a letter head bill I received nothing from them. They told me they would send me to a supena from my county clerks office for over state line fraud. It's funny if they were a real law firm they would have sent a letter certified to collect the debt. not call by phone. GET THEIR LIC# NUMBER IN YOUR STATE BEFORE GIVING THEM ANY PERSONAL INFORMATION.

https://www.ftccomplaintassistant.gov/
please go here a file complaint against them please

THIS COMPANY CALLED MY WORK AND TOLD MY COWORKERS THAT HE IS GETTING LEGAL ACTION, HE UPSET ME SO I CALLED BACK AND GAVE HIM CREDIT CARD FOR BILL, THAT IS A YEAR OLD, THEN I READ ALL THIS POST WHAT SHOULD I DO? CANCEL MY CARD? HELP

called with the explanation that there was a case pending and gave docket ## and that it would be taken up with the local authorities, same complaint as everyone else. it did scare me. Said to press 1 to talk to an representative about my case, or to call the 1-888 # back.

Recvd a call from 888-802-1170 with a message from a Mrs Rodrigez! Had to play the message back at least 5 times in order to get 1/2 of the info that she was talking about! She explained that I was a defendant in a case (GAVE ME A DOC #) and also gave me all the info on my car including my tag,make and model. I was told that if I didnt contact her back by 6/28/09, everything would be out of her hands and I would have to take matters up with my local Police Dept! I thought it was fishy from the start and kept racking my brain as to what this call was actually about. After looking the number up and seeing all of the post, I knew my intuition was correct and I never called her back! Bill collectors will do and say anything to have someone call them back!

This message is meant soley for xxxxx xxxxx my name is Ms Davis represent the offices of Solomon & R?????? my client has forward an affidative naming you as a defendent in a comming civil matter xxx motions to be filed 20th of June 2009 at that particular junction I can no longer rectify this matter volunteerly the motion for forcible recovery WILL BE GRANTED on behalf of my client in this matter the paperwork has already been filed through the county clerk office as well as a 1099C with the Internal Revenue Service that will be a search motion that will be leaved at property address xxxx naming car model, make and year a lien will be placed against this vehicle, I am willing to work with you I do relize people have issues my number is 1-888-248-4157 the docket # is xxxxxx (She gave the wrong address for home but the correct auto info.) I called no one answered. I do not know what matter, who she is nor what county she is filing with. It scares me to think people can get this kind of information from where?

Thanks for sharing this information because I just received a phone call leaving me a docket number -- the implication is that they're going to garnish my wages!  Now I know to keep cool and contact the attorney general's office.

THREATS OF BEING ON PHONE WITH STATE ATTORNEY'S OFFICE AT THE TIME OF CALL.  GIVEN 48 HOURS TO PAY AN ACCOUNT THAT WASN;T MINE.

Sounds like we have a breach.  This is the kind of stuff bottom feeders write to justify their existence.  Must be a slow day at the office

Got a call from this number. The caller claimed this was a   pending legal matter, phony document number, no real information.  Sounds like McMillan and Andrews in upstate new york.  Classic bottom feeder with lots of bark and no bite.  Just ignore them and they will go away.  If they persist they you should call they New York AG office.  Andrew Cuomo will go after them if he gets enough complaints.

This is a 3rd party collections company.  The name McMillian and Andrews is a bogus named used for security purposes to portect the employees there at this company.  To be removed from this list, either ask them to cease and deceist or send them a cert letter telling them to stop.  these guys are crooks and will stop at nothing.....

I just got a call from this company yesterday about a credit card that i was not able to pay off for a few yrs,, I finally paid it off though. It went to collections in 2002 and paid it off in full in 2006. So yesterday they call me , and knew my name and some, key word "some" past addresses. I told them I wanted a hard copy of what they are talking about. We will see if they send that out.

Now today, i get another call from the same number, they left a message and they were calling for a Richard Taylor... I dont know anyone by that name and this seems all too fishy in my opinion.

file a complaint against them with genral attorney they will stop these  calls.

would that have been from a peter  as he called his self?

Yesterday I received a call from a "Ms. Julius" of McMillan-Andrews, (888-802-1170, ext. 213) near Buffalo, New York.  She told me that we had an outstanding debt on Master Card between the years of 1997 and 2003.  We ALWAYS pay our card charges every month in FULL.  Thus, no outstanding debt. The debt was originally $200+ and with interest is now $500+.  She would not give me the date of charge or to whom the charge was made, stating, "I cannot give you this information!" She promised to mail me the information and I await that item.  I contacted the Attorney General and they told me to see what happens.  These people must be stopped. They have our personal information and are waitng like vultures to get some unsuspecting person to prey on.

McMillan and Andrews. An individual from this office has left multiple messages during the day and finally reached me at home yesterday asking for a call back at 1-888-802-1170 on a debt of 900 and some bucks, but if I paid now he could settle it out of court for $400 and something.  Claimed to be Mr. Dale Berkland and said I owed money to Household Bank and that they had purchased that debt and now I owed them. He said he had proof of it on all three of the major credit reports. Dale spoke very fast, used my full name and middle initial a lot and when I finally asked him to repeat all the mumbo-jumbo about taking me to court, docket numbers, case numbers etc.  He said was condescending and said he would email it to me and quickly got off the phone.  Very fishy as I have never had any dealings with a "Household Bank" nor any debt collectors.  I got disconnected once and ended connection back up to a Mr. White who reconnected me to Mr Berklund. After finishing on the phone with them and no being interested, I went to http://www.annualcreditreport.com and got my free credit reports and my wifes...sure enough no past dues, all accounts in good standing and no Household bank account or anything similar. I never received the email he said he would send but he called back today to inform me I better pay a reduced amount before 4PM today or he would file in my county court.  
I called him right back and this time I blocked my caller id.  Put in his happy extension number (no case number this time) and waited for the fun.  He answers the phone "Hello" very hesitant...so I say "hello" he says who is this...I respond well who did I reach.  I have a message saying to call you.  After more back and forth he finally agreed to go first and claimed to be Dale.  As soon as I told him my name he said, please hold I am talking to the district court right now about your case...thats funny I said, because earlier and on the message you claimed it was my county court.  I laughed as he tried deperately to put me on hold and then I told him that I was formally disputing this debt and reporting him to the FTC for violation of the FDCPA. I told him to cease and desist and would be sending a registered letter stating the same thing.  I also asked him if he was authorized to practice law in my state and he said "Don't be a scumbag the rest of your life" and hung up before I could respond.

Be very careful when dealing with these guys...further phone calls to random extensions confirmed that they are not a law firm, are not able to practice law (at least in my state), I was unable talk to any attorney there, they could not send me details via registered letter or by even regular mail and in general were very rude when questioned.

If I hear back I will be turning this matter over to an attorney locally who enjoys going after these guys.  That will be fun :)

I love to hear when people says debt collections is a scam. You people default on contracts and then must be sooo embarrassed about your financial situations that you have nothing to do but point fingers in every other direction. How about today you look in the mirror and point at yourself. Stop making blogs, go make some money for a change!