I got a call from a debt collector for my M&T banking bill that over drafted a couple of years ago and they told my if I paid a certain amount then they would take off my late fees. I paid them but I have not heard anything from them and the number is still a working number. phone number 952-232-1927

Hello,

I just received 3 messages from JNO Associates. The man I spoke to was pleasant and he explained the nature of the calls. Yes, I have a debt with a company they work for. Or purchased the debt. Well, I accepted my debt and I'm paying what I owe. Sometimes we cannot but when we can we should. Just think you may have been gainfully employed and had to do your job. They are only doing their jobs. Getting mad and using inappropriate language is not the answer.
At the time we incurred our debts, we were able to pay. And when I wasn't I couldn't. Now that I am in a position to pay. I will do that. I know that all debt collectors are not the same. But this man was really patient and nice.

Thankful

Hi - this person called my brother and my uncle's house last week looking for my other brother and today looking for my EX-aunt (who divorced out of the family 20 yrs ago) with her new married name and said that the number was confirmed July 29th. She has NEVER lived here nor ever would. This is my father's childhood home and the only person who would have been nice to her in this house died two years ago and hated her too - she was LOW life scum. All I have to say is - people have no right just to scan a phone book to look for someone - I am a stay at home mom and my kids still nap. Its a little obnoxious to be called for other people or when people call looking to "lower my interest rates" when PS you cant beat 0%. I only have 1 credit card which is linked to overdraft protection so I am pretty sure I would know if I had outstanding bills and would be called by my bank first before some fool out in minnesota.  - just saying. And for all the racists and crazies on this board. I am white middle class and know how to pay my billls and know LOTS of people of all races who know how to do the same. So stop really - how much better are you?

This person just called my office demanding to speak to my boss and was very hostile after I told him that the person was not in and can you leave a message.

This "company called my in laws place, for me, and I don't owe any debts. I pay my bill, so there should absolutely be no reason for them to contact me. And if they cant leave what the "business matter" is on the answering machine with the rest of the message then its a waist of my time to call back. Oh and I double checked, the company, and phil larson, is not registered with the BBB.  I understand real debt collectors jobs, they have to be done. otherwise most ppl wouldn't pay their bills,  But for someone to scam a person out of their hard earned money, instead of getting a real job themselves, is really a low blow to society.  Thats ok though this company wont be making many phone calls for long, they pissed of the wrong person this time. Prison sounds about right for money laundering.  Oh and rthey had an automated machine call as well, What kind of legit lawyer would do that?

THANK YOU

Honest and straightforward and my hat's off to you sir.

PEOPLE...you read the posts from jqd and john,,jqd is on another 800 note no.952 500 9663 responding to VERY FUNNY post and she says YOUR A LOSER YOU MUST OF BEEN TRAINED BY THE BLACKS PAY YOUR BILLS...just like on this post she blames the president Obama and the blacks on the economy...as you can see jqd is a low life sleazy racist debt collector who isn't making any monies...and that makes me happy.
now the IDIOT john who he thinks he is perfect he comes on here and gets on my case because i had one run on sentence and misspelled people and says the minimum wage law is more then 7.00 an hour.
on his post he spelled two words wrong harass and misspell
the idiot says the minimum law is more then 7.00 an hour and he is right but the IDIOT doesn't realize that if you make a commission you can be paid below minimum wage.
i posted some info about what you can do to the debt collectors and the IDIOT says i got only half of them right..i ask him what half i got wrong,,he never responded back to me because he knows I'm right he didn't want you to know the fdcpa law
it sounds like this IDIOT is a little boy who probably just graduate from high school and his career is being a low life sleazy debt collector with no benefits i bet he cried to his mommy when i called him a IDIOT.
PEOPLE...now you see what sleazy debt collectors are.. they lie to you,,they want you to pay them before you pay your rent or buy food for your kids,,,JQD is a racist and john is a little boy who cries to his mommy..
also as you see these fools are not posting on here anymore which is good at least for now the shill posts is stopping.
remember ask for full validation and ask for there license to see if there allowed to collect i n your state and check SOL if it passed you don't have to pay them and if there collecting for a pdl remember there is at least 15 states where the pdl is illegal,.
THIS IS HOW YOU SCREW A SLEAZY DEBT COLLECTOR LEGALLY.

whats the natter john your not pushing buttons anymore

john......     I'm a genius i know how to spell people,,but i don't know how to spell HARRASS AND MISPELL harass has one r and misspell has two esses.IDIOT
IDIOT i know people make mistakes with there spelling but i don't get on there case about it were all human and we do make mistakes,i bet you think your perfect
IDIOT you come on here and defend a racist jqd who blames the blacks and president obama for the economy and lies about the fdcpa even you lie saying i got half them right,tell me which one i got wrong.
john your not making any MONIES as a sleazy debt collector why don't you delivery newspapers at least you will make more money then a sleazy debt collector.
IDIOT i would never make an a** out of myself when dealing with low life debt collectors who lie to the debtors about freezing there ssn checks,, not even a law firm can do that...or getting arrested for not paying your bill we all know you cannot be arrested for a civil matter

No, not really? I just like pushing buttons, of someone who is clearly making an a** out of himself!

"'Peopel', I mean 'Peeple', I mean 'Peepal', (uggh, let us try this once more), People, Please listen to me, I like to think I know what I am talking about, but I don't, so I feel like a MAN, I mean boy, writing about someone on the internet. Please keep reading what I have to say, all 5 of you.

....Oh yeah, I hate low life sleazy guys in their mom's basement...oops I mean debt collector's!"

HAHAHA now i know I'm dealing with an idiot is that the best you can do... i guess you don't know how to read i said i get a pension check and two ssn checks and that means i have to be 62 years old or older to get a ssn check idiot,,now i realize I'm dealing with a little boy.. grow up boy and become a man and get a job with security it pays more them being a sleazy debt collector,, and it looks like your hiding behind a computer

Hiding behind a computer in your mom's basement? That is cute!

john i forgot to mention one thing....
what does this mean..a 7 year old could get right....didn't you mean to say that a 7 year old could get IT right...you see IDIOT we all make mistakes

john....i misspelled one word and your a genius...monies==plural of money look it up IDIOT,the low life debt collector does collect monies from various people.
minimum wage..does a waitress get paid more then 7.00 an hour,,no because she collects tips..does a person working on commission gets paid minimum wage no because she collects a commission.
first place idiot i do not owe any money,my debts are paid i receive two ssn checks and a pension check every month and i do short sales with the bank and i make a decent profit from the short sales.
mi fico score is 785..you wish you was in my position and yes my english is bad i never finish school but I'm a littler smarter then you i don't have to work as a sleazy debt collector who makes 7.00 an hour like you IDIOT..also IDIOT I'm not attacking all debt collectors just the sleazy ones like jqd and IT is a racist she blames the blacks for the economy and that's who you defend.
the reason why i come on here because FFG another low life sleazy company called my neighbor and threatening to seize her ssn check and take her house away she had a mild heart attack and she is 80 years old..then i found out FFG called the wrong number when i called them and told them what happened there response was WHO CARE IF THE OLD LADY DIES..
john if your so smart why aren't you a english teacher instead of being a low life sleazy debt collector who gets paid 7.00 an hour.
john if you want to come on here and attack me that's fine but don't attack me for one misspelled word or one run on sentence stick to the facts of debt collectors ..IDIOT..
john all my info is correct per the fdcpa look it up..

OK...I got a call today, and paid my bill, but I would like to point out the person calling someone a low life?
1. PEOLPE = A mispelled word
2. monies = Not a word
3. jqd comes on here and lies to us she says her company doesn't have to provide you with a license number the reason why the IDIOT says that because there probably not license in most states where there trying to collect monies and if there not license you don't have to pay them and there isn't a damn thing they can do about it...
= Run on sentence
4. 7.00 = Not even minimum wage
5. As a person who owes a lot of bills, some of your information is accurate. However, hiding behind your computer, is juvenile. I suggest calling him, or someone and making a complaint. It looks like you are bothered because you got harrassed or bullied by a collector. I have been there as well. Make a complaint, but don't be rude or defame someone who you know nothing about.

Finally, you are calling someone a low life, and you can't even spell the words a 7 year old could get right.

Best!

PEOLPE...our sleazy debt collector jqd is a racist i just read another 800 note number 952 500 9663
and IT responded to another debtor...WERE YOU TRAINED BY THE BLACKS,PAY YOUR BILLS.
remember people these are low life sleazy debt collectors who will lie to you to get your monies.
jqd comes on here and lies to us she says her company doesn't have to provide you with a license number the reason why the IDIOT says that because there probably not license in most states where there trying to collect monies and if there not license you don't have to pay them and there isn't a damn thing they can do about it...
then the IDIOT says we don't have to provide full validation..another lie.
the reason why the IDIOT says all these lies because it will hurt there 15% commission and they need that because they cant survive on the 7.00 an hour they get paid.
all this info is a way for you to screw them LEGALLY and the IDIOT knows that.
IDIOT is not posting on here anymore...GOOD we got rid of another lying debt collector
jqd i hope you don't make a dime for the rest of the year for being a low life lying sleazy debt collector who works for a low life sleazy debt collection company

jqd...i went on the BBB.COM website typed in jno associates and it comes up as not a match...let ask you are they under another name and is so please tell me the name of the company that jno is associated with.

you said i got one right out of the three..sweetheart i got all three right..
the fdcpa says a consumer has the right to check to see if payments was credited to there account and check the interest i even gave you the fdcpa rule number look it up..
fdcpa says if you request a license the company MUST GIVE IT..look it up...
we agree on the SOL...

you didn't say  that you was quoting a statement about president Obama when i read it..it   sounded like it came from your heart i believe your a racist blaming the poor people and the blacks on the economy(,by the way sweetheart I'm a white boy) and we all know it was the banks that screwed up the economy..you know the banks that I'm talking about the same banks that your trying to collect for.
so mr larsen is your boss did he tell you to write all these shill posts about how wonderful this company is..
you know what is killing your business is the same computer your posting your shill posts on.

The previous message about President Obama, was not from me! I did some checking and this company is a debt buyer, and is registered with the BBB, and has a rating of B+. There is a note that says the rating is not hindered by complaints, but because they have to be on the BBB for 18 months before the rating goes up. They registered in July 2010, and have no complaints!

You are correct, there are bad collectors, but also bad teachers, cops, and doctors. Collectors are lumped because of the bad people, or rogue people that do it.

Finally since you like to quote the truth, allow my final post to be accurate for you!

A license does not have to be given upon request.
Validation refers to a dispute, and original documentation.
SOL=Statute of Limitations=You Can't Be Sued=You Finally Got One Right
However SOL has nothing to do with credit reports or collectability of the debt, and is only a crutch for someone to borrow, or steal money from the original creditor.

Finally, for those people that are out there, that go rogue, or effected by bad ethics, I am sorry, but Mr. Larson was great.

jqd....listen we all know your a low life debt collector who works for this low life company,so stop with all the shill posts about how wonderful this low life company is...if one of your bills is in collections believe me you wont be buying a house for years,,
you blame president obama and the blacks for the economy and not the banks..you are very confused.

why doesn't your low life company register with the BBB....is it because they don't have all the proper documents to be a reputable collection company and they might get a F rating with the BBB and the debtors would know what kind of company this is,,when I'm talking about proper documents i mean licenses to collect monies in the states..

PEOPLE if this low life company doesn't have a license to collect monies in your state you don't pay them..ask them for there license and they have to give it to you..


third party debt collectors are the biggest violators of the fdcpa law these idiots wants you to pay them before you pay your rent your buy food for your kids...you always buy food and pay your rent and utilities bills first debt collectors can wait until you get back on your feet even if it takes a couple of years..

when these idiots call you ask for validation and i mean FULL VALIDATION..
WHEN YOU OPENED AND CLOSED THE ACCOUNT
ALL CHARGES AND PAYMENTS MADE BECAUSE YOU WANT TO MAKE SURE ALL YOUR PAYMENTS WAS CREDITED TOWARDS YOUR ACCOUNT
HOW THE INTEREST WAS ACCRUED YOU WANT TO DO THE MATH WHEN SLEAZY DEBT COLLECTORS DOES THE MATH THEY ALWAYS MAKE A MISTAKE IN THERE FAVOR
WANT TO SEE THE CONTRACT WITH YOUR SIGNATURE ON IT...
OF COURSE THEY WILL SAY THEY DONT HAVE TO DO ALL THAT THEN YOU SAY UNDER THE FDCPA RULE...SEC.2O7(42 U.S.C.407) MEANS FULL VALIDATION..
REMEMBER IF THEY CANT VALIDATE THEN THE DEBT IS INVALID...... THE LAW IS ON YOUR SIDE 100%... and third party collectors usually cant provide you with full validation.
again if there not license you don't have to pay them
also check the SOL if the SOL has passed on this debt then you don't have to pay them a dime and they cannot sue you or log onto your credit report.
remember these fools get paid 7.00 an hour and 15% of what they collect and being collections is way down they now resort to lies to get you to pay them.

jqd...dear  i like you i just don't like that your a lying low life sleazy debt collector.

they called me twice.

Yeah I'm pretty sure the BBB is not any sort of governing body of our government.  I know that you are probably just a fake and are probably the scum that I dislike so much.  Whether a debt buyer or collection agency it doesn't matter.  If you don't want to get calls then pay your bills like every other American out there.  If you can't and run into hard times then pick up the phone and explain yourself rather than hide and complain about people being unfair.  He is doing his job to pay HIS bills and people out there complain because their family got a call and if you weren't hiding then he wouldn't have to call your family in order to get in touch with you.  As far as I'm concerned this company gave me a great deal and helped me get my credit back on track and If you are nice to people they are nice back.  Don't be a debtor and pay your bills.  Its the right thing to do regardless of this putred president allowing all of the poor people whether black, red, brown, yellow to get away with stealing from companies and then blaming the companies for allowing it.  I'm a middle income earner and hate and I mean absolutley hate watching black people talking as if they got an unfair chance and Barack Obama is their messiah.  PAY UP! if you don't our kids will in the future!!!!

jqd...is this a law firm or a debt collector,they are not registered with the BBB and any business that is not registered with the BBB is a scam company

Scam??? What do you think it is when you open a loan or credit card? You sign your name, saying you will pay, thus a contract! May I suggest stop hiding, pay your bill, and be honest. It bugs me when people make it one sided. A scam would be running up a bill, and not paying it...... just a thought?

I am sorry you went though that! Explain your situation, I am sure he will listen!

BBB has nothing to do with debt collection in this case! Sounds like you might have wrong number!

He called me this past Monday, and was very nice. Hi was a lot nicer then some of the other calls that I get. I am trying to buy a house, and needed to get my bill taken care of, but still with this economy money is VERY tight. I was able to work a payment plan out over 3 months with him, and even when I could not pay all at once, I still got a very good deal.

I know there are some bad debt collectors out there, but this guy was great. We all need to realize they are doing their job as we are doing ours. If you are rude they have a right to be rude. If he was rude, I would have been rude. The best thing is be honest, and realize we stopped paying the bill we owe, and it does not go away, and most of all, I/we still owe the bill. If you are honest, Mr. Larson, and I am sure others' are more than happy to work with you.

Same Guy called me - I told him I was not interested and he continued to talk then I hung up.  He called back - I did not answer - he left a message and said he was contacting the BBB to report me!!  I guess for hanging up!!

Legit collectors per section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER.
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint.
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.

He is doing the same to me!!  Now he is harrassing me at work!