I have called them and I have told them that if they google the phone number, they can find that I live there, not Christine Moorer.  It cracks me up when the caller advises me to not listen to the message if I am not Christine Moorer.

calls several times a day looking for someone who does not live here

The address for Central Credit Services in Jacksonville Florida is 9550 Regency Square Blvd, zip 32225, and the phone number is (904)722-1732.

First, don't listen to this 'Some Advice'

If they contact you at work, simply state that your employer doesn't allow collection calls to your workplace and to cease and desist further contact at the work place--you do not need to give them further information to contact you outside the workplace simply hang up, take pictures of the Caller ID, write a Memorandum for Record on whom the person was and the company that you informed.

You have multiple options and are protected under Federal and State Laws.
National Do Not Call list and State Do Not Call lists require 31 days or more for them to remove you from that list, which has several ways around it and most importantly those lists are provided with all the information to collection agencies and telemarketers.

Best legal advice would be to not identify who you are and simply hang up. There is no Law that requires you to answer and talk to a Telemarketer or a Collection Agency over the phone or in person!

Second, if you have a smartphone or you can setup an audio recorder, notify the person calling that you are recording them, that will stop the harassment or carry serious fines for the company and possible jail time for the actor on the phone.

The reason I advise not to answer or identify yourself, past you have no legal obligation, is once a collection agency which this probably is gets your address and verifies your name--even if the debt is not yours the following will usually happen:

1.) They will attempt to scare you or call you multiple times in a harassing manner until you pay--even if it is not your debt and you can prove it.
2.) If you continue not to bide into their threats--which you should have recorded and reported to the FTC for violations of THE FAIR CREDIT REPORTING ACT, they will lose the account and that same information will be handed off to the next collection agency.
3.) It will finally make it to a dual Law firm and Collection Agency--which several laws restrict them from acting as both but it happens and they will file a Small Claims court case against you and swear that they subpoena--to properly be served  a subpoena it has to be delivered to you in person, but they will throw it in your lawn, mailbox-violation of Federal Law, etc... This is the most important advice I can give if you see the subpoena even if it violates the law, note it and add it to your file on them but still show up to court.

This was the whole point--to prove the debt is yours and if they go to a Small Claims court and you don't show up it is a default judgement against you and now a debt that probably wasn't yours now has legal backing stating that it is yours. Show up, get a case date, buy the book from Nolo on Small Claims court and show up the day of court, do not let them drop the case unless it is dismissed with prejudice and beat them in court.

Note they have to file in your local jurisdiction--so it's your local courthouse. Dismissed with prejudice means they can't bring the case up again anywhere and you have legal backing showing the debt is not yours...bad news is they will still put it on your credit report and though it is illegal you have to go to them to sue if they refuse to take it off. The credit score are terrible at removing false claims of debt.

And a big note is 90% of case they have no evidence of the debt and if you subpoena all evidence prior to the month or so before the hearing you'll know what you are up against and after you subpoena if they try to dismiss without prejudice you know they can't come up with the evidence and their goal at that time is to wait a little bit and file another later and continue until you don't show up and they get a default judgment!

Good Luck!

David, Jen is right in this situation.  It is not that she works for them.  I work for a Construction Company and I get a lot of those automated calls from ALL different companies and I don't do like the receptionist and hang up.  I either call them back or I wait on the phone.  They are calling on past employees that have not worked here in like 5 years or more.  
If you want the calls to stop, YOU have to call them back and tell them to quit.  My friend was getting calls to his cell phone and after a week of calls and him informing them they had the wrong number, he found them out called them up and threatened them and they NEVER called him again.
If they are calling your number they have it so it is not like you are giving them something they don't have.  Call them back.  Stop those Mother F'ers from callin you. The less you do, the more they will continue to call.
I just got a call from that number today at work and looked it up.  They did not have a name so I will call back and tell them to stop.  I have stopped loads of calls coming here because of it.

Message on voicemail says you can call in and see what this is for - I was instead put on hold several times. I just wanted to tell them that they have the wrong number. She supposedly took our number out of the system...we'll see. I have a feeling they don't though - she didn't ask for a specific person or anything, I bet it's a scam to see if they get a live person or not.

They keep calling me with a recorded message looking for some gut I don't even know.  I've this phone number for over 2 1/2 years and I even spoke to a human who called one time, but they still keep calling.  
The company's President & CEO is James J. (Jim) Eccleston and can be reached at extension 5201 if you have a similar situation and wish to speak with someone in charge.

They keep calling asking for the same person.  Even once, I actually answered the phone and told them they had the wrong number and to remove my number.  Every other month I continue to get these calls.  I want them to stop.

888-866-6484 number given by recording... from call that came from CCS. Google search says tied to CCS / Wells Fargo   ? looks like some collector to me.  Seems they have some wrong info.

They are calling my work and I am getting in trouble if I lose my job because of them I will sue the h....out of them....JUST WANT THEM TO STOP....

1-888-904-1800 keeps calling my house to the point of harrassment. I demand it to be stopped! My name was on a list to keep from getting these garbage calls. Why is this number not stopped?

They keep calling my work and then put me on hold and then hang up or get disconnected

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=5163
Central Credit Services  
9550 Regency Sq Blvd #602
Jacksonville, Florida, 32225

pwhitson@ccscollect.com
www.centralcreditservices.com/


--------------------------------------------------------------------------------
Phone No.  888-904-1800 866-383-6427 866-396-4665 800-597-8234 800-500-4790 888-866-6484 904-371-5203 866-396-8137 904-722-1732  
Fax 904-727-9472 904-855-1389  

  Peter P. Durante, President Karen K. Durante, VP
 
 

Notes
Many complaints of debt collectors calling with threats, impersonating law enforcement and other criminal debt collection violations. They get sued a lot.  
Aliases Other Locations  


St Peteres, MO  



1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

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

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
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

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




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There?s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors ? or if you dispute the legitimacy of a debt ? a debt collector may contact you.

?Time-barred? debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General?s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a ?debt collector? generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt ? or any debt for that matter ? can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don?t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you?ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you?ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again ? except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn?t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney?s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works 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 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. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. 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.
October 2004

Got a call from a local number 619-764-6194 asking for someone I don't know.  They left the 8888-866-6484 number as a call back. Internet said they are a collection agency ! I've stopped answering my phone.

They've got the wrong number here too.  Feel something definitely needs to be done about the this company's repeated calls.  Could a class action suit be initiated? Wonder if the Better Business Bureau could take action?...

Oh and i have never gotten an actual person, only a machine, and i remembered that yesterday, after a month of calling for marlene they called for Jose Salinas, have no clue who they are, being told to ignore the calls but its easier to say that when you are not the one receiving these calls every day

Caller ID shows up TOLL FREE CALL every time for me, but since its part of my job to answer the phones i still have to answer and check everytime.

I answer phones at a framing company and i get a call close to 10 times a day asking for Marlene Needas, Nidas? it is driving me crazy, this is basically harrassment, i thought it was someone pranking me until i saw this listing, how do i stop these calls!

B.T.W. never call back, once they get your information, they will start billing you

Called them back to let them know I am not Daniel C. Sinclair, and she asked for my phone number and told me she would take me off the calling list.  She was very polite about the whole thing.  I was expecting a more confrontational discussion - as I have a great dislike for their business practices - but this was very quick and painless.  We'll have to wait and see if it does really get me off their "list"!

visit www.grahamlawpc.com to get information on how to proceed...they are attorneys who sue debt collectors making bogus calls - whether automated or not

Received numerous automated calls for a William T. Gallagher...personal matter, blah, blah, blah.  Please call back 888-866-6484.  Finally got sick and tired of these calls and called the number above.  After a brief automated message was put through to a live person.  Told her the calls were not for anyone in my household.  She asked for the number where I was receiving the calls. Said my number would be removed from their list.  We'll see it that works.  By the way, the above suggestion to have your number on the National Do Not Call Registry apparently doesn't work as I am already on that list.

Received calls from them many times a day they use these numbers
1-888-866-6484,888-904-1800 and 702-520-1452 is listed as TN Removal List these are all numbers for Central Credit Services. They keep calling I answered one time and told them they got the wrong party but they keep calling.

I have been getting calls from this central credit service for a ling time. The person that they are looking for is not me ((he must have given an erronious number since I have had this number for 6 years). when I finally got a mlive person to report this She was very discourteous and hung up on me.
Please let me know where I can report this company. The numbertic call back to was 1-888-866-6484

these people just called my parents. looking for my father but they have the wrong person. they were rude and nasty with my mother they hung up on her and they called back and didnt say one word and hung up the phone. they also claimed that they would be calling again and again within the next 2 days. and now that i read on here that once a person calls back that number the person is basically screwed over. may God be on your side if you get a call from these people.

OK, HERE IS THE SKINNY.

A. YOU CAN PUT YOUR PHONE NUMBER ON THE NATIONAL DO NOT CALL LIST. GOOGLE IT! MIGHT HELP.

B. WHEN YOU ARE CALLED BY A COMPANY THEY SHOULD ALL HAVE A "do not call policy" I'm pretty sure. This is how you get them to stop...you don't curse you don't complain. You can either say "What can I do depending on your do not call policy so that you will never call again, because I am serious" OR ...this is what you do...trust me I worked somewhere with that policy it is VERY serious.

--You must verify your name, phone number and address with them. Sounds stupid but you must. Trust me they probably already have it infront of them. Possibly leave out your address unless they ask. Actually just say "yes yes yes" because they should ask you if the information THEY have is correct.

Hope this helps. Because I know from experience if you just hang up or yell and hang up, we can still call you! But if you verify that information and go through the DO NOT CALL policy right, they handle your information on the spot and like a Very serious matter. Because once you do that with them they can get screwed if they do it again.

I have a friend who is a lawyer and he sues debt collectors who harass people.  His website is www.grahamlawpc.com.  They can tell you what your rights are and if you can sue the debt collectors for harassment or lying to you.

(They are in Rochester and Buffalo New York).

They called my cell and didn't leave a message, then a minute later they called my office phone and an automated message saying to call 888-866-6484 "for full disclosure" yadda yadda. For anyone else needing business contact info, I Googled and found this on Bud Hibbs' website:

Central Credit Services Inc.
Deborah Kleeman, Secretary
9550 Regency Square Blvd Fl 6
Jacksonville, FL 32225-8116
Phone: (904) 724-1800
Fax: (904) 855-1389

I have a cell phone that obviously belonged to a "person of interest" to collection agencies because i keep getting calls and can't get them stopped. This is one of those numbers . .

Beverly Steinberg I had spoken to days before I came close to paying this idiot I did some research and found out that this is a Questionable Company. This person screamed and threatened to file a Judgement on a Judgement that has been filed already. Dont fall for it.

Lauren you might want to have your parents look into it anyway.  Many children are victims of identity theft and don't even know about in until something like this happens

They call on Sunday and after 10pm. This is highly illegal.