Did u report them r they a law firm they left me a MSG n said the recieved my file and there was a rendering made and he needs a statement from me I woundering if it's just another debt collector trying to get me to return his call??

These people are VERY rude, and harassing. When I told them they were NOT getting my money because I think it’s a scam, Matt Moreno (Ext 2229) told me that Elvis was seen eating dinner at some restaurant, and his company was not a scam. I will be reporting this company.

I did not have a bad experience with these people. My boss told me that I have been receiving phone calls and gave me the # to call. I called and spoke to David Stern about what it dealt with. He was not mean or ignorant at all with me. He explained what it was and I knew that it was a card I totally forgot about from a few years ago. I explained to him my situation and he was very nice and polite with me and told me he could help me with a hardship program.

By reading some of these posts I am wondering if you all were as nice to them as I was. Cause he was very polite, didn't lie to me about my debt, and helped me save a few hundred dollars in the long run. He is allowing me to make payments for this amount also. This was my first time talking to him and they have never called anymore since setting this all up.

And No, I do not work for this company before anyone thinks that. I live in Missouri and they aren't even located here.

They are now using a new phone number in CA 904-478-5001 ext 232. After finding out that she yelled and threatened to call my 83 yr old monther every day for more information about me, I have reported them to the FTC and the BBB.

The nit-wits from Kellar and Associates were persistent in getting money out of me that I did not owe.  At first I tried to explalin to them that I wasn't the person they were looking for nor had I ever HEARD of that person.  This was no believable to them.  So finally I played the same game they did.  I continued to call them and state that I got their message and was ready to pay by credit card.  When they asked for the cc number.......I gave them 1234 5678 9012 3456.  She said, "That's not a real credit card number."  I said, "Oh yeah.....sorry.  You ready for the REAL number?"  Afterwhich I gave them, "0987 6543 2109 8765 6543,"  We went round and round like this for about 20 minutes then I put the phone reciever down in front of an episode of Jerry Springer and walked away.

Thank You racinghorse for Your responsibility and if You switch to Geico Auto Insurance, You will be able to save so much money. All Your bills will be paid in no time.

I had these people calling me at home, and the call is for my brother who is in Korea. I called my brother up to take care of this matter and he did, but they are still calling my number asking for him.  And I don't know who to make a complaint to as to stop this.  Kana

They are a complete farce!!  Do NOT give them any money over the phone...insist on everything in writing.  They won't even give out their addres over the phone...what kind of legitimate agency keeps their address a secret???  B.S.  

They try and scar you into issuing post dated checks over the phone DON'T DO IT!!!

SCAM ARTISTS!!  If you really owe a debt then go directly to the company you owe and work it out with them!!!!!

Just a bunch of D-BAGS!!!

I also have had a bad experience with a David Stern at Keller,King And Associates.  My first contact with him was that if I did not pay some money right then that he would advise his client to go ahead and file  against me.  When he called he said I had one hour to get a payment to him or further action would be taken against me.  

I tried to explain to him that I did not know that there was a problem in the first place and that needed further information on this whole thing.  He does not seem to want to give me a copy of anything regarding this matter.  

My questions is are these people actually attorney's or just people that make the calls?

my husband got a call last week from an elizabeth holden, saying that she was an attorney at kellar king & associates and was representing household master card. that he needed to pay right then and there. my husband told her that he had just gooten his job back after a year and that was unable to pay on the spot. well this holden person said if he did not pay that she was going to file some document in court and put  a judgement on my husband. My husbands response to her was that he did intend to pay, we still got the damn credit card in our safe, that way we know who it is we owe to clear our credit. well that holden was not expecting that, and said, "oh really". well they reached and agreement and i told my husband i was going to research the place on the internet because it did not sound right, i know, i used to work for an attorney. well i researched it the following week and it brought me to the site. what collectores say just to scared people. but im sure they have releatives or even themselves that get these calls too. KARMA......

These people have been calling my 74 year old mother over a credit card that was charged off 10 years ago. They must be buying old debt and using scare tactics to try and collect. They did not send a letter to her either. I thought a debt collector had to send you a letter to give you a chance to dispute the debt.

This company called me and said I have to make payments with them otherwise they will garnish my wage. I asked them to send me a letter. I never received any letter from them. They were very rude and no compassion. They shout at me when they talk to me like im an idiot. I told them they have no right to shout  at me and demean me. i got the name of the person I talked to. I know I owe money but they have no right to demean anybody, that is unlawful. I might file a case against them and they will not get a penny. If they are really a legitimate company representing the credit card, why won't they provide their address and send a letter of collection. They threaten me that they will call my employer. I told them, if they even attempt to call my employer, they will hear from my lawyer. How dumb can they get , how can they collect money if they are the cause to fire a person from their job. That is the worse thing they can do.

I got the same MSG did u ever talk to them I dnt want to call if it's jus another debt collector??

bud hibbs is an idiot

I received a call today from 904-672-1813. he said he was paul cross from the firm keller king and associates. basically said they had rendered on my behalf and they needed to hear from me immediately for my final statement. that this was the final documented attempt to contact me and wished me good luck. return call to 904-672-1810 ext 2224. I tried to call back and got keller king but the ext was not valid. I have no idea what this is.

WELL SPOKEN BOSSMAN GETUM

Donavin Warren is the owner of this company and there is NO such person as Kellar King, this is a collections company on the southside of Jacksonville, Fl 1636 Shadowood Lane Ste 160 off of Atlantic Blvd. The owner, Donavain is a racist prick that claims to be a man of GOD, LOL. A man of God is a man of integrity and does not have to try and represent himself as a attorney in order to make money. He is a liar and a thief that HATES blacks, asians and hispanics. He won't even hire them, and the only black male he has there is only there because he is fu***** one of the managers (Melissa) Holden(a.k.a Ms body made wrong).Melissa will hire a female and then try to make your life at work HELL if you talk to her so called boyfriend, she does not like anyone in the office prettier than her, but a HORSE is better looking than her.All day long they sit in the office making racist comments(especially about hispanics), calling them wet backs and lazy. This place needs to be shut down. They release private information to family, friends and anyone who wants to know. The entire staff consists of convicted felons and these are the people who have access to your personal information. AND PEOPLE THERE IS NO PENDING LAWSUIT, ITS JUST A SCARE TACTIC

Kellar King called my hone number stating they were looking for
a relative of mine (used my first name). I was not home and they were very rude to the person who answered my phone. Then they hung up.

These people called me from 904-672-1245 talk about hateful rude sounding people. I called back to see who they were and this man began asking me who i was and hounding me to give him my name. I hung up and looked on computer who they were. now it makes since...........DONT DEAL WITH THESE PEOPLE! TALK ABOUT NASTY!

I received a call from 1:21 pm today and they wanted me to
go across the street and post their name and number on my neighbor's door
whom I don't know.  I told them I had been sick and not out of the house
for a week; also I told them I didn't know which house was 700.  They said
it had to be across the street from me as I own 2 lots) they got really nasty and said it was people like me and hung up.  So I googled the numher and this is what I found.

I received a call from them at 1:21PM TODAY and they wanted me to
go across the STREET and post their name and number on my neighbor's door
whom I don't know.  I told them I had been sick and not out of the house
for a week; also I told them I didn't know which house was 700.  They said it had to be across the street (which there are two houses across
from me as I own 2 lots) they got really nasty and said it was people like me and hung up. So I decided to goggle the number and this is what
I found.

Agreed -BUT YOU AND EVERYONE ELSE WHO THEY ARE ATTEMPTING TO EXTORT MONEY FROM MUST REPORT 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

Yes its a scam - That's why they have employees trolling complaint boards posting their drivel.

YOU CANNOT JUSTIFY ILLEGAL COLLECTION TACTICS - the use of these tactics just confirms that you have no legal right to collect the debt in the first place..    


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

.....this company has called me several times,but I have never received an initial dunning letter from them. This is required by the FDCPA to go out before a call is even made on the account. I repeatedly asked for some sort of rep of their company to no avail. THEY ARE HIGHLY ILLEGAL and need to be shut down ASAP!!!

said they are looking for my daughter who is 10 yrs old.  Said good luck on trying to help her cause they will find her.

I thought that no matter how much you sent, as long as you were sending something they could not turn the money away. They may not like it, but they have to accept it. They'll be making more $ off you for interest anyway.

if you could get a hold of the credit card company or bank that funded the card they will take low payments. this company wants a substantial down payment(good faith payment) and large monthly/bi-weekly payments. they want the big down payment because if your payments fall through, they have the bulk of the money in hand and in their pocket.if they told you they've stopped all fees or havent tacked on any, ask for a VALIDATION OF DEBT, which includes original balance and the balance now after the fees they've added in the office,THESE COMPANIES HATE GETTING VALIDATIONS OF DEBTS B/C IT COULD TAKE MONTHS AT A TIME,which in turn could help you out or buy you some more time. if the phone calls are harrassing or bothering you and you tell them not to call you or bother you, IT IS AGAINST THE LAW FOR THEM TO CONTACT YOU.you can also get a cease and desist and that'll stop any contact to you or your business. remember, record the calls and if they say something they shouldnt, you can have the debt paid for and the company would get sued and pay all your legal fees.

I have gotten calls from this company from Elizabeth Holden. First she said I needed to reach a settlement and gave me the amount. When I said I couldn't come up with that amount right then she told me to ask my family, which I did even though Iknew no one would be able to help me cause they don't have the money to give to me. When I called back and told her I couldn't get the money then all of a sudden she could accept payments but she still wanted more then I could afford. I explained to her my situation, she told me the company didn't care. They went a week without contacting me again and called me again today I'm sure to try to get me to pay what "they" want me to pay but I can only do what I can and want to do the right thing by paying on my debt. It's like they want you to give them the amount they say regardless if you'll have money to buy food and put gas in your car to get to work to make the money to be able to pay them.

Thank you for the info. I got a call this afternoon at 5:41, according to my voice mail time stamp. All it said was this is Jonathon Graves with Keller King and Associates. He said he was calling to advise me in a legal matter that I did not yet know was pending against me. He left the phone number and an extension that didn't even work! I left a message on the main line. All I know is that he scared me to death! I don't understand how I could be involved in a legal matter when every bill we have that is even a little behind has both mine AND my husbnad's name. Anyway, I'm glad I looked it up.

this company does use illegal tactics and they want to make you believe that they are an attorney recommending the client take legal action to recover the funds. they dont use the mini-miranda which is required on the initial conversation to the consumer.i also believe that they are not fully licensed in every state they collect in. if you record these calls this business would be done within a couple of weeksdue to several fdcpa violations.the only way to stop companies like this is to stand up for your rights