Tell them you will only talk with them if the chick agrees to get naked

Several likely. I know Capitol One has sold to them.

These bozo's called me the other day asking  for me by my full name, luckily I have very difficult name to pronounce so I knew off the bat they were probably soliciting or something. So I responded with "may I ask who is calling and what this is pertaining to", the woman on the other line then claimed to be a process server. At that point I told them wrong number and hung up. Be aware that process servers cannot serve you over the phone. And secondly to be a process server in the state of Florida you must be a neutral party with no affiliation to either party(defendant or plaintiff). If they are willing to falsely represent themselves I can only imagine what other lies can tell.

For sure they rep Target Visa and I think HSBC.

Please be advised that Zakheim & Associates took over a lot of Zwicker and Associates accounts when Zwicker in Georgia (Lawrenceville) crapped out on following up on accounts and case load. this was due to bad management by their Georgia office manager and lead attorney, Denise Darcel Arnold. Zwicker Georgia has a revolving door of right-out-of-law-school attorneys, usually female, that rarely stay for more than 6 months to a year.

One sure sign that we have researched that you are being called in this manner is if you had previous contact with Zwicker, they totally disappeared, and you start getting calls from Zakheim out of the blue and have never received any mail communication. Usually Zakheim does not have clear title to the debts or judgments from Zwicker Georgia (they are treated as a franchise of the parent company), so you will never receive any official communication - phone is NOT official communication.

Now you know.

Hi,  I just spoke to my bank who told me that I needed to deal with them directly.  Can you tell me what your final outcome with your bank was??

Scum Collection Agency/Lawyer trying to collect for Citibank....real bottom feeders...don't even talk to them and just deal with them through the courts...they sue everyone hoping you won't respond and then they will get a default judgement...just file opposition motions everytime they file something and they never can produce the requested documents and eventually the court dismisses the case in your favor...

Who is this?  Called left no message.

Called but did not leave a message

Another bottom feeder collection agency for Citicorp.  Add them to United Collection Bureau ... another bottom feeder collection agency for Citibank.  Why don't sharks eat lawyers or collection agency personnel?  Professional courtesy.  Why do sharks toss lawyers and collection agency personnel back in the boat?  These people are poison and they don't want lawyers, bankers and collection agency people polluting and spoiling their water.

CALLED BUT DID NOT LEAVE MSG...BILL COLLECTOR

Citi is one that I know of.

They must be calling on behalf of Bank of America Home Loans as that is the only outstanding debt I have.  They call all the time and never leave a message.

These MOFO's keep getting my cell phone number and it is illegal for them to cantact you on your personal cell phone. I have an android phone so I use an APP called SPC Super Private Call that hangs up on there a** on the first ring. Lets see how long their going to call. Learn you statue of limitations after 3 or 5 years( depending on the contract) they cannot take you to court. After that they wasted the last 2 or 4 measely years calling to collect your money to pay their ridiculous interest.

Thanks, Don.  I have at least one recorded message and will check with Clerk of Court about sueing them.

They call me at all hours all the time and it is my custom to refuse to answer a caller who blocks their ID. This has been occurring for months.  At one point, they left a message for a Spanish sounding name telling him to call them.  I ignored the message since it is not me they are trying to collect from.  I filed numerous complaints with the National Do Not Call List people, to no avail.  The calls continue to come, even got one today and filed another complaint; but, it does no good.

These crackheads called my poor old mother and told her they had a sheriff standing by to arrest me if I couldn't come up with the money. I sicked my sister the lawyer on them.

This debt collector buys up old debts and tries to collect on them. Most people do not even know that once your State's statute of limitations is up (usually 4-6 years), they cannot legally collect. They can only harrass you and try to get you to pay voluntarily. The people you speak with have zero interest in helping you. They are only interested in collecting any information that can be used to threaten or harrass you. Many people are also learning that by keeping records and any recorded messages, you can sue and get a judgement against them for $1,000 per incedent.

If you need assistance please email I can help kconcep2000@yahoo.com I have a credit repair company been in business for 4 years.

Estas en la mira ladron de ambulancias ,busca trabajo de otra forma ,mas baronil .no te ensenaron en tu casa tus padres principios morales.y la regla de oro de los abogados .tampoco. ladron con corbata

Have called every day sometimes twice a day for months, The person they are looking for no longer has this number and when I try to tell them they hang up and call back another time.  Getting sick of it!!!  They should get their facts straight before they call the wrong people!

I got message from them, so i called them back since the name left on answer machine sounds like mine, turns out it was different first name but same last name. I told them i didn't know the person, then the associate ask for "my SS# to reverse case or remove record or something"; IT DOESN'T MAKE SENSE IF I DIDN'T KNOW THE PERSON THEY WERE LOOKING FOR AND THEY JUST GOT WRONG PHONE NUMBER, WHY THE HELL THEY NEEDED MY SS# AND LIKE HELL I WOULD GIVE IT OUT!

SO PLEASE BEWARE AND BECAREFUL!

Discover Card is one! They call cell numbers and leave personal info about ppl, not even knowing if they even have the right number! How UNprofessional!!! They left info about someone on my cell number. I wish I could let those ppl know they this 'law' firm did this!

A collection agency called my friend the other day and said she had an outstanding credit card debt of over $1000....and they want proof of any type of payment....account opened in 2000 - last payment 2002!  They contacted her under her maiden name, advised the card was in her maiden name and during that time, she was married!  She advised she does not ever remember having a card w/ that company and no longer has any type of info from those yrs (other than tax returns) as she destroyed them!!  They told her they would file a lawsuit and have her wages garnished!!  IF by some reason, she did have a card and does not remember, can they still after all this time and NEVER notifying her, do that?????

Discover Card

http://www.budhibbs.com/debt_collector.htm

The Debt Collector
Money Beggars
Liars, Lawyers,
Con-Men & Thieves

Who Seeks a Career as a Debt Collector?
The average debt collector is male, has a large ego, bounces from job to job, suffers low self-esteem and enjoys using the telephone as an instrument of empowerment.

You shouldn't be surprised to find most of them have great debt problems themselves. (Even though they post on complaint boards that they do not)

Collectors see themselves in a position to take advantage of those they deem weaker, in an effort to overcome their own insecurities.

They normally will talk-over any issues you may have, threaten and intimidate you, lie, misrepresent themselves, abuse, annoy and attempt to push you as far as they can.

only 2 out of 10 are honest and hard working.

The greater percentage are deadbeat scum either just out of, or heading back into a jail cell.  

Collecting is a male dominated business and because of the shortage of skilled workers, agencies are hiring anyone who can walk and chew gum to make their calls.

Social skills, education and career orientation are NOT normally the prerequisites for a debt collector ? money beggar position.


After all, a portion of what they collect from you becomes theirs.

You'll hear standard phrases such as: "what is your intent" or "I'm going to recommend that our client take immediate legal action against you."

The innocent unsuspecting consumer feels threatened, even terrorized by the antics of unscrupulous debt collectors.


The really bad ones will call you at work, violate third party disclosure, or worse, threaten you with arrest or wage garnishment if they don't have the money today!

They'll try to persuade you to pay off old debts using your new credit card, via Western Union wire transfers, bank drafting, debit checks and cash.  They will tell you your credit report will be clean if you just send them the $ MONEY$.

The National Consumer Law Center (NCLC) and the National Association of Consumer Advocates, (NACA) assist attorneys across the country in pursuing agencies and collectors who violate the law and your rights.

Collectors are learning that the phone name they use and the perceived anonymity of hiding behind a telephone can easily be overcome with today's modern technology and investigative techniques.

Some collectors are learning first-hand that they too, can be charged with making threats over the phone and that their employers don't provide bail money or legal representation.

Creditors are increasingly becoming less tolerant of agencies that allow abuse and will drop those that don't comply.

I urge you to complain about collector abuse by contacting the FTC, the American Collectors Association, the original creditor and your state bar association (against attorneys), or me if you feel your rights are being violated.

There is a nationwide group of professional consumer attorneys, skilled in debt collection laws that passionately defend the rights of consumers against these illegal collectors. No consumer should ever suffer abuse from a debt collector.

The laws WILL protect you!


ADDRESS
1045 South University, #202
1045 South University, #202
City : Plantation
State : Florida
Zip : 33324

--------------------------------------------------------------------------------
Phone No.  954-735-4455 800-531-5490  
Fax  


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/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

JJ you are right on!

Bolcked the caller,but still persists to call. No one at this number
has outstanding debt.

you have to wait for the settlement amount.
they send you a fax and then yo sign it.
it has to say settled debt paid in full.  you do not send them money over the phone.
if not then someone else can come after you for the rest.
its unsecured debt.
there is no recourse for them.  spoke to  a lawyer about it.
maybe you should do the same.

Low life loser who could not get on with a decent law firm. They buy old debt and ruin people's lives.