I have ask these people to stop calling our home harrassing and threatening

They are very rude!! I don't know why they calling me! I told them to stop harassing me. They Will not listen Even call my parents and i don't live there. How dumb is she? Her name is Michelle. This lady that keeps calling me. I don't care this is public she humiliates me I humiliate her.
I've had enough of them This Western Ware company

Now they just called me at my office? how rude! I can't talk this kind of stuff at work.. Make them stop!

They keep calling me on my voice mail saying that if i don't hang up it means they know i am that person but It's my Answering machine! Don't they know the difference between the live person and an answering machine?

Why are these people calling and harrassing me?

A "Charles Burns" called looking for my son... obviously from a call center, and very rude... would only say it is about a personal business matter... asked him to call back at 1-800-331-8970 ext 3262. We will not, of course, and will be blocking both phone numbers.

They have been calling my number for weeks.  Left no message.  One day, when I was home I answered the call.   I was not the person they were calling for and I did not know the person they were calling for.  The calls kept coming...I was not at home but my caller ID and "hang-up" messages filled my voicemail.  I have had enough.  Called them spoke with a guy named "Art" (yeah, RIGHT) and I asked to speak with a supervisor/manager.  Some woman can on the phone, I was explaining the situation when she rudely busted in that I must be mistaken with all the calls cause they have only been calling my number for the last couple of days.  YES.....I went OFF !!!!   I informed her that I have all the dates and times logged on my caller ID when they have called.  She told me to stop screaming at her.  I said NO, I need to speak louder because she must be deaf.  She hung up.  Can't I just get a fog horn for when they call?!?

i get a call regularly from them,if a message is left it is always something different and if you call back it is a recording wanting you to leave information for a call back
I do no owe HSC or Capitol one or recovery systems anything

Called trying "desperately" to reach neighbor they said...assuming is debt collector.  Makes me want to have MY number unlisted!

Get my phone number removed; they harass, I owe nobody anything.

I saw a local number at 8:40 pm last night on my home phone and thought it may be important. I do not pick up toll free numbers. Woman gets on, asks for me, I said who's calling, she responds "This is Queen, is this Riki" She did not sound like a telemarketer or collections. Weak, voice, older woman. Then all of a sudden, another woman gets on the phone, wanting to know who I was, identified herself as United Recovery Systems and when was I going to make a payment on the money I owe Capital One. I was so angry because of the local number stunt, I told her I would only take it up with Capital One and hung up.

I don't know if "Queen" was a trainee or not but the local number at 8:40 pm really pissed me off.

Please stop the insane calls from UNITED RECOVERY SYSTEMS debt collector
extremely rude!!!!

UNITED RECOVERY SYSTEMS debt collector
extremely rude!!!!

I keep getting calls from this number on my cell.  
They ask me for personal identification information that I do not give out to ANYONE.  I am attorney who has no unpaid collectable debts.  I have requested repeatedly they not call me.  Generally there is no return call number and no message...only the identification 954 on the caller ID

get calls from 972-354-4914, with unknown name but won't leave a mssg.

I get a phone call. And nobody answers. And then when i call the number back. There a lady on there that say you owe us money. But won't tell me what company they are with.

972-354-4914 "URS". United Recovery Systems. Called me at work after I asked them not to. Called them back twice trying to find out who they represent. Extreamly rude and would not say which financial company they represented.
Reported them to the BBS.

Ruben Lopez  called me asking for personal info .
called my mother in law these people are not courteous at all.

...debt collector
Calls my work number for a former employee
Leaves a call-back number of (888) 505-

Got a call from this number. I called back and it went straight to music...no ring tone. It went to a voice mailbox. They have to have the wrong number because I don't owe anyone anything!

I got a call from this number askink if I knew someone that lived down the street from me. Which I didnt and they asked if I knew if we had any telephone outages on my street.   Strangest call I have ever gotten!!!! The caller id says Western ware

GLENN PAUL OSUCH
623 BAY VISTA  DRIVE
SEABROOK 77586
DOB: Feb 28 1958
Using call spoofing as
Western Warehouse
972-354-4914

United Recovery Systems- Holly 888-505-1572 X 4301.  Debt Collection for HSBC
They have been harrasing me and my family about debt collection.  They contacted my Grandma and FAther n Law telling them to have me call.  They have also called me at work and numerous time on my cell,  Very Unprofessional.  I have faxed a Cease and Desist letter and if I receive another call from them I will be contacting an attorney and reporting them Texas Consumer Protection Hotline 1800-621-0508 or the Consumer Assistance Hotline of the Office of Consumer Credit Commissioner 1800-538-1579.  You can also file a complaint against a creditor with the American Collectors Association of Texas.

Caller asked for Garret and then said she had the wrong number.

Got a call from this 9723544914 number. UNITED RECOVERY SYSTEMS debt collector
extremely rude!!!!

United Recovery Systems. Called it back and advised them I was returning a missed call. After providing them the number they called and then responding that I neither was or knew the individual they were attempting to call and that I have had this number for almost 9 years, they removed my number from their system.  Took less than a minute and the lady was very polite.

Called my mom's house asking for my husband. Very rude!

Missed Call. Called it back and advised them I was returning a missed call. Gave them the number they called and they asked me if I was [NAME] and I replied that I neither was or knew the individual they were attempting to call and that I have had this number for almost 9 years, they removed my number from their system.  Took less than a minute and the lady was very polite.

You might also look into hiring these guys -- it's at no cost to you.

http://www.stopcollector.com/blog/2010/01/united-recovery-systems-harassment/

United Recovery Systems, INC.  

Address    Web/Email Address Rating
5800 N Course Drive
5800 N Course Drive
City : Houston
State : Texas
Zip : 0

--------------------------------------------------------------------------------
Phone No.  800-568-0399 713-977-1234-832-476-1721 -888-505-1573 888-763-2430 866-763-2423  
Fax 713-977-0119 - 832-615-0162  

HOW TO HANDLE ILLEGAL COLLECTION CALLS AND TACTICS ? HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

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


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