This phone number belongs to a collection agency.  You are not required to talk to them.  If there is a valid debt you owe, the proper way for the creditor to collect it is original creditor to sue you in a court which has jurisdiction.  Even if it was at one time a valid debt you might have owed the statute of limitations has likely rendered it expired which in most states is two to four years. The burden of proof is on the creditor not the debtor.

Well it seems that I am also getting calls from this phone number as well to include this so-called Zach Jonson in regards to my sister as having me as a point of contact. I also had a Michigan number as well. I am fixing to see what that number comes up to.

Request the documentation in writing

The extent people will go to in order to avoid paying their bills amazes me. No wonder our economy is still in a nose dive

For legal purposes all requests fpr documentation MUST be done in writibg

1. The practice of collectors using an alias is perfectly lega. To do so the alias must be on file at the agency they work for
.2. Once a cease and desist letter is received by a third party agency they ARE allowed one more contact by phone to explain your options and possble consequences of not paying your debt.
3. Third party agencies ( not all are debt buyers) are allowed to call you up to 3 times per day. Once they leave a message or speak to the debtor they CAN'T call back.
4. They are allowed to call you between the hours of 8am and 9pm in your time zone.

The only violation I see ( if your telling the truth) is the hours of the phone calls. If you can prove thet called outside the appropriate hours you have a case. I however doubt you are tellimg the truth. My experience debtors are liars.

One more thing..If you pay your debts they will STOP calling you

This call was from Lockhart, Morris and Montgomery, debt collectors.
[They've also called from 877-214-3355]
They've been calling (as have others) for someone who used to have
my phone number.  I emailed them to take me off their list, and I got
this reply:
__________________________
We have removed the number from our system per your request.
Thanks,
Ronald J. Martin
Director of Operations
Lockhart, Morris & Montgomery, Inc.
833 E. Arapaho Rd., Suite 210
Richardson, TX 75081
877-214-3355 x100
Fax: (214) 522-6571
__________________________
We'll see if they really stop calling...

My daughter along with every member of her immediate family they have a phone number for has received calls about this so called "Delinquent" student loan debt. She took out a small loan to go to school and made payments on it as long as she had a job. Last January she entered a tuition based full time internship at a church, contacted her loan company and put her loan in deferred status until she goes back to full time work next year. She received notification yesterday that her loan had been "transferred" to another loan company and to give it a few weeks to complete before contacting them about it. Today she gets a call from Zac Slater at this number to my home phone and her sister's phone (the one they are contacting changed her phone number recently - so they likely don't have it). He is very hostile and angry sounding on the message - so I tend to believe what all these people are writing about the debt collector's practices. Today she received an email from the original loan company stating her loan is in forbearance from January to December 2013 and she will owe around $20.00 in accrued interest during the 12 month forbearance period. Still she is getting calls from this same debt collector about this student loan. I have the written documentation my daughter sent me as I am helping her draft correspondence regarding the debt.  

Now tell me, does this sound like an irresponsible deadbeat who isn't paying their debts? Neither does the post that states they had a medical emergency and could no longer continue to pay their student loans while on disability, or the number of people who said they are not aware they have any delinquent debt. After all, the FTC has been investigating erroneous bad debt reports on people's credit histories for three years and the latest news I have on it is that it is next to impossible to get that information taken off your credit or resolved because everyone assumes the person reporting the debt is right. That is unless you hire a lawyer and sue the debt reporting agency - debt collectors.  

You who are casting stones at people having financial difficulty clearly have not watched the news lately where millions of people are now working two minimum wage, part time jobs across the country to put food on the table and keep a roof over their head. And those are the ones who have not given up on looking for work all together. Seems to me that only a debt collector is abusive enough to anonymously post a slanderous and defaming accusation without any facts... Your opinion is worth what we pay for it - very little. If I remember my legal terms correctly, slander would be one of those things that may be civilly prosecuted as well. You have your right to express your opinion - but not to attack other people personally and slander their character unless you have personal knowledge that what you are stating is true and accurate.

The TRUTH (as it has been previously stated) is that if a debt collector will not VERIFY a debt in writing or provide any information about the origin of the debt - the debtor does not have to pay until such information is provided in writing, if the collector refuses to provide the information and refuses to stop calling and harassing a debtor after they have made a written and verbal request for them to do so, and/or threatens them with criminal action, as well as any civil action they do not intend to pursue - they are in violation of the Fair Debt Collection Practices Act and are subject to the full penalty of Federal Law as regulated by the FTC.  Furthermore, a debt collector cannot require a debtor to provide electronic payment information to satisfy a debt and must provide appropriate U.S. Mail contact information if requested. Not everyone who is in debt collections is just ignoring their debts or not paying them on purpose. Some people have legitimate reasons not to pay and have been working with debtors only to be abused by debt collectors. Maybe if Debt Collectors were about working with the debtors to get the bills paid, and here's a concept - polite and courteous to the person, listening to their side of the story - perhaps they would get more resolved debts. Not everyone who is in debt collections is a stereotypical dead beat... But, you know - you probably never stopped to think about that, did you?

By The Way--- I have personal and professional experience in the legal field and courts with this type of abusive debt collection and will be helping my daughter ensure that she is neither abused, nor treated unfairly according to the law as she works to resolve her present situation with this particular debt.

And, just a note about spell check.... did it not catch that you mispelled the word "buy" in your post? The sentence reads: "I bet not a single one of you complaining on this page have taken personal action to clean your side of the street buy actually making any kind of payment for whatever it is that you obviously owe someone." (Should be "by")

I BET YOU ARE DEAD WRONG ABOUT THAT STATEMENT WHERE MY DAUGHTER IS CONCERNED AND I HAVE THE DOCUMENTATION TO PROVE IT. Why don't you grow up and stop your personal attack against people trying to figure out why they are getting abusive phone calls about debts they cannot get verified as is their legal right under the law. People like you have one thing that I find extremely sad - a bias based on your own opinion no matter how flawed it is. Stick with what you know to be true - it makes you sound more credible. Have a beautiful day!

Pass this around too...this same scam group calls using a 855 area code. I just now put it all together after getting a call from some Dallas number.  I blocked several 855 numbers and this Dallas number. I am not behind in bills nor have I ever been...so not sure what they think I owe. I am going to do some more research and see what people can do about this group. My friend that is a police officer was standing there with me when this call came in. I answered using speaker phone because we were painting. My friend took over the call stating he was a deputy and this mr. Garcia said he would sue him too. It was just really weird, odd and smelled of a major scam.

Got a call from 214 522 6424 about money owed. Aside from the mortgage and car payments, which we are and always have been current we don't owe money. We pay the credit cars off monthly or carry a very low balance. They said they were coming after my house. This is obvisously a scam. The guy was Mr. Gacia. I laughed at him then blocked his number from my phone. I will contact the FTC as well.  I hope people don't fall for their scam. Nobody should ever give out bank account info to anyone. This guy would not tell me the name of the company either.

Just recieved a call from a private number and stated he is a Harris County Deputy, John Montgomery. says I am being sued and wants to deliver papers to me.  What's strange is he says that I have been charged with a felony and named many other charges against me so why isn't he coming to arrest me instead of delivering papers to me?  I remember (always afterwards) I had recieved a call about a year ago in which a John Montgomery started calling me horrible names when I asked for his supervisors name and demanded a phone number since he would always call from a blocked number.  I know I should not get so upset but at first it's scares the living daylights out of me until I realize who it is.  I had some bad debt years ago after a job loss and it seems about 2 or 3 times a year I get a few calls but this John Montgomery is completely out of line.  Why hasn't anyone been able to shut this guy down?

If you borrowed money from a credit union to pay this outfit The College Network... why do you feel as though you don't owe the money? It doesn't appear to me that the credit union and the program are one in the same. I researched both and they are not under the same umbrella. It seems to me that you should be holding the institution that originally received funding responsible not the bank.

Doesn't mean there wasn't something done by someone using your sons info as you have stated. However exert the necessary effort and clear your sons name. I would cross reference the socials to make sure they match. As well these programs are achieved under an existing nursing license so it would almost be useless to obtain the education under your sons name.

I received a voice mail from this number with instructions to call the 877 number back, along with a name (Kirsten, can't remember last name) and extension (102).  Called back and she was actually very polite to me and asked if the last 4 of my social were  xxxx, which they weren't.  She apologized for the inconvenience and said my phone number would be removed from this person's file with the same name as mine.  It was the same company mentioned in many of the above posts.  I think I may have had a call from them at some point in the past as well.  Anyway, I DID NOT have anything that they were trying to collect from me and they verified that...it was an incorrect name/phone # association.  I'm sure that they have played hard-ball with some of you (and I've been on that end, too...had to go through bankruptcy).  I have to take issue with the posters who assume that everyone who gets called is trying to dodge a debt.  What probably happens is they get phone numbers for everyone with my name hoping to get the right one.  It did cause me a little bit of stress today waiting to make the call, but I knew that there wasn't anything I had done.  Just my two cents' worth.

I got my first call from ppl today about my student loan which was paid In full 3 years ago I have never had a bad debt ever I worked 2 jobs and went to school full time while raising my kids alone and was never even late on an electric bill I take immense pride In the fact that I can say that because I know not everyone can I have never had a credit card and other then my car payment my mortgage and my education I have never "owed" anyone money if I want something I save my money and buy it I don't borrow or put it on a card and then I get a call like this at first she was very nice and then when I assured her she had the wrong person she got nasty and started calling me names and telling me she was gonna sue me and have me arrested and  freeze my bank accounts and put a block on my ssn so I can't get loans (the IRS are the only ones who can do that) I just laughed at her and told her that may work for some people but my parents were good friends with the ohio attorney general and I can promise you that you can't do any of the above at that point I was hung up on but I'm not stupid enough to think Its over I will be hearing from them again I'm sure I've already written my letter of complaint to the FTC so we shall see

You have no idea how convoluted you sound. My son got a call from these people about a loan he was suppose to have gotten back in 2002. He was only 16 and therefore couldn't take out a loan without my signature. And no his father didn't sign how do I know because he had died 3years earlier .someone else had taken the loan out in my sons name and we know who it was so now my son will be filing his own complaint with the police.
So don't judge a book by its cover.

Received a call from this number looking for my brother-in-law. They asked for my husband when they called and then changed and said they were looking for someone else. Tried to tell me we were used as a reference and they were calling to verify. Then changed their story and stated it was a court matter. I told them that person does not live here and hung up. They promptly called back and were rude and loud. The man was really disrespectful and tried to argue when I stated it was harrassment. He hung up when I stated I would report their company

I just got a call from this number, and I don't owe money to anyone that I don't know about (mortgage, student loans, credit union, etc). I didn't answer it, but I probably will next time, just to see what they are peddling. A lot of times these outfits buy old debts that have actually been paid and try to harass you into paying it again. I know this because a company in Atlanta bought a phone bill that I had paid off in 2008 and tried to get me to pay it again. I faxed them my pay-off notice and threatened to turn them into my state's department of commerce and insurance and the calls just stopped. Don't ever pay anything over the phone or especially give out your payment info unless you are 100% sure you owe. A lot of times these people are just hoping you are too stupid or so far in debt that you just pay it to get it off the books (even if it was off the books already).

I am a nurse and I didnt receive all the books from College Network. They still want the full amount. I have paid to Lockhart, Morris and Montgomery $3100 for books I never recieved. They told me I was going to jail for not paying a student loan. John Hughes is who I always get. I am looking forward to my day in court. I want all my money back!! These are in way shape or fom a student loan. They are consumer loans from United First Federal Loan company.

To Unknown, What about a credit card bill that was paid over 10 years ago when my husband was laid off from his job. I took a loan out on my retirement to get us through until he found a job since my income wouldn't make ends meet. So took the loan out paid off all our credit cards, all my medical bills from my heart attack and stroke.  I was unable to return to work full time. now I have letters from the credit card companies saying these accounts were settled however this company still calls us  before 7am every morning which is a violation of Federal Law. I have mailed them the letter from the credit card company stating the account was settled over 10 years ago.According to the attorney general out state you can only go after a debt for 3 years if it was not paid. so legally even had we NOT paid this bill they still could not legally harass us. Yes you are correct. Problems today are people are not responsible. from our current President who spends like no tomorrow, his family takes lavish vacations on taxpayers dime often costing $400,000 or more for a weeks trip. Offering all these freebies. Giving jobs that he promised to put Americans to work to Chinese to pay them back for the trillions he borrowed. Banks and Financial industries, making poor loans, not paying back loans, businesses, major corporations not paying biils doing the same. I have worked for Fortune 500 companies and had paychecks bounce, had no paychecks for weeks and yet expected to still make my payments.  This company is trying to us illegal tactics to get money from some who does NOT owe money to anyone. Who did in fact pay the bills over 10 years ago. they are crooks.

why they keep calling here.

Its not that easy as pay your bills when you have been layed off and depending on where you live there is no jobs I mean no jobs at all. I have 2 degrees and still no job. I have contacted the people that I owe and told them the situation but that still dont pay the bills. Its called pay what you can as in do I need lights heat food or do I pay the credit card for that month. People are going to pay the light bill and put food on thne table for the kids. I don't have any family due to being adopted at age 1 so the only kin I have is my daughter and her 2 small kids. We as parents help our kids as much as we can I'm going to do without myself to make sure they have what they need as in food light heat I can asure you I am not waistfull at all I will stretch a dollar for a mile. But things happen that we have no control over I didnt plan to loose my job I planed to retire from my company. So its not easy as saying pay your bills when you dont have the means to pay your bills. Also I was not raised on food stamps or any welfare and as of today I still am not have not will not ask for any I know thats tax payers dollars to support me and that what I do.

I reached a settlement agreement with TCN 2 years ago and my last payment is in February. ( I cancelled auto pmt back in Feb 2006). However, I received a phone call (as well as my parents and my EX husband) today threatening to serve me with criminal charges and terminate my nursing license that I RECEIVED FROM ANOTHER COLLEGE 14 YEARS AGO!  I'm actually paying off my settlement debt and still being threatened?  The guy that called said he was looking at my credit report and I filed bankruptcy on this loan which is TOTALLY false. Some Cartwright Attorneys office is supposed to call me back in the am.  The twit that called me was named Mr.Campbell and claimed to be a law clerk.  Maddox, the female atty handling my case (supposedly) was unavailabe of course.  This is a scam and illegal.  Call your local District Attorney.  I am.

I have researched hundreds of agencies that collect money and they all have these types of complaints and then the most IRONIC thing occurred to me... All these complaints are by individuals that owe someone else money and they are in the process of being held accountable, WOW! What a concept... a consumer can violate terms and conditions agreed on and when it come time to be responsible... Let's just start throwing temper tantrums by the filing of complaints, because "these mean ole' people are trying to make me do what I said I was going to do when I signed the AGREEMENT(S). I have never met  a single person in my entire life that had to file a complaint about people supposedly harassing them because "THEY PAID THEIR BILLS"... Seriously... just do the right thing to begin with!!!

Through ones inability to accept personal responsibility, they actually create their own problems! I bet not a single one of you complaining on this page have taken personal action to clean your side of the street by actually making any kind of payment for whatever it is that you obviously owe someone. If you are simply not going to pay the money that you owe, then stand on that!! If you would stop making commitments that you couldn't maintain you might not find yourselves being the recipient of ANY of these phone calls. It is always real easy to come up with plausible but untrue reasons as to why... But at the end of the day it is generally just sewn in to the character of the human being, we are financially morally sound or we are not. There is a simple solution to the problem that you obviously initiated...  PAY THE MONEY. Stop making bad decisions that involve the exchange of money and I GUARANTEE you will stop having to engage in these types of situations, remember there is always a common denominator in all your problems... YOU! You are not a victim... If you engaged in something that cost money that you did not pay for, in reality and technically they are the victim. Grow up ALL of you!!!

You are right the TRUTH will set you free. Not some spin, you obviously like to amuse yourself with. Have you even reread your post. You know the computer puts little red lines under misspelled words and then gives you options for the intended word. Anyway... Through ones inability to accept personal responsibility, they actually create their own problems! I bet not a single one of you complaining on this page have taken personal action to clean your side of the street buy actually making any kind of payment for whatever it is that you obviously owe someone. If you are simply not going to pay the money that you owe, then stand on that!! If you would stop making commitments that you couldn't maintain you might not find yourselves being the recipient of ANY of these phone calls. It is always real easy to come up with plausible but untrue reasons as to why... But at the end of the day it is generally just sewn in to the character of the human being, we are financially morally sound or we are not. There is a simple solution to the problem that you obviously initiated...  PAY THE MONEY. Stop making bad decisions that involve the exchange of money and I GUARANTEE you will stop having to engage in these types of situations, remember there is always a common denominator in all your problems... YOU! You are not a victim... If you engaged in something that cost money that you did not pay for, in reality and technically they are the victim. Grow up ALL of you!!!

I also got a call from this number. I am in school at another University. I tried the College Network but I decided to go another direction. I tried to settle but they did not . I was laid off of my job after Hurricane Ike, and I am just getting back on my feet. Now they are harrassing me!!!!  They are a collection agency??? He sounded so unprofessional it was unreal. I am contacting my Attorney ASAP

I didn't go to school for nursing so why are they call me!? Mind our business and don't talk to people like they are stupid.

He told me the same thing about my nursing license. That is i didn't pay the college network what I owe them they would have my license taken away and they also said they would place this on my ssn and it would be with me forever they where rude, call me hunderd times and threatened me several times. So to me it looks like they need a class action against them.

i got the same voicemail yesterday and I called him back and he stated it was over the college network and I could lose my license if I didnt pay before they went to court today. Is this possible?