407-583-4161
FL, US
ann johns
ann johns
2013-12-13 01:17:55
Unknown
keep getting calls atall times of the day and they don't say anything when i answer
Lisa
Lisa
2013-10-30 21:41:05
Unknown
keeps playing on my phone asking for random people each time they call
phil harris
phil harris
2013-09-17 19:24:49
Unknown
Received various calls from this number. No answer when picked up and no reply when called back.
Haven't they got better things to do with their time?
wilma
wilma
2013-08-29 23:19:33
Unknown
Janet Crunk is in running ,I guess
Her address is, 1678 Timber Ridge Circle, Lesburg,florida 34748
John Cangemi
John Cangemi
2013-08-16 13:13:20
Unknown
This number calls a couple of times each day and does not respond when we answer the phone.  Very irritating.  When I call the number it doesn't even ring.
Patty Korob
Patty Korob
2013-07-25 00:29:55
Unknown
I just received the exact same thing - and when I tried to call the number back - no ring - just dead silence!
Weird; I have no clue who this is or how they got my number I am on various do not call lists.
Patty Korob
Patty Korob
2013-07-25 00:28:28
Unknown
Received call from 407-583-4161 at 8:25pm July 24, 2013 - no one responded
Tried to call number back no answer - very scary!
Because
Because
2013-06-19 23:30:40
Debt Collector
I received a call from this number this morning. I look it up and it's Pennacle Financial. I call their main office to see why they called me, and I'm nowhere to be found in their system. They looked me up by name and 2 different phone numbers. Wish they would leave me alone if I'm not even in their system
WhoKnowsWhosCalling
WhoKnowsWhosCalling
2013-01-21 20:04:25
Unknown
This number calls me numerous times a day and night, however no one ever says anything. I just hold the phone and hear dead silence on the other end. I have tried to return the calls however it never rings.
wilma
wilma
2012-12-13 17:08:29
Unknown
I've been getting calls fom 407-533-1606 for months,usually twice a day. Asking for Janet Crunk who must of had the same number as we have now.
JONES
JONES
2012-09-14 15:03:40
Unknown
STOP CALLING MY NUMBER YOU ARE BEING RE CORED TO SUE FOR A LOT OF $$$$$$$$
jones
jones
2012-08-30 15:35:14
Telemarketer
DONT CALL MY NUMBER ANY MORE YOU ARE BEING RECORED TO SUE
Walter Swancy
Walter Swancy
2012-08-29 15:20:25
Unknown
Keep getting calls, alll hours, both phone numbers asking if this is Jeannie Kerrigan. No one ever there and do not answer when I call back
jones
jones
2012-08-23 16:03:06
Telemarketer
dont call my number any
jones
jones
2012-08-17 14:48:12
Unknown
DONT CALL MY NUMBER ANY MORE ??????
jones
jones
2012-08-10 15:20:32
Unknown
STOP CALLING MY NUMBER I OWE YOU NO MONEYS
R
R
2012-06-12 20:15:10
Unknown
called and left no message, central Florida area code
Dominique Dupree
Dominique Dupree
2012-06-08 20:28:07
Debt Collector
I keep getting calls from this number.  Everytime I answer they ask for a person I do not know.  I have told them to stop calling the number and they still continue.  Missed a call today and called it back and left a message saying DO NOT CALL MY NUMBER and still called again.
Liz Cooper
Liz Cooper
2012-05-02 14:25:25
Unknown
harassing
big dad
big dad
2012-05-02 12:49:50
Unknown
call leaves no message
Mike
Mike
2011-07-25 13:59:53
Unknown
Pinnacla Financial
chris
chris
2011-07-08 16:44:59
Unknown
just got a call from this number too....  not the first time. white pages has listed as from Antonio Joseph -whoever that is (http://www.whitepages.com/search/ReversePhone?full_phone=4075834161)... but no message --and didn't answer so idk...
Arch Stanton
Arch Stanton
2011-06-29 17:25:54
Debt Collector
Called and left an odd message and sounded nervous.. Said that I could save 1450$ off an old debt.. I haven't a clue who it is or what debt he is referring to..

Talk to the machine.! That's why I have voice mail..
GENO
GENO
2011-06-27 20:50:14
Unknown
I GET CALLS ALL THE TIME. NO ONE ANSWERS I SAY HELLO SERVERAL TIMES THEY LEAVE NO MESSAGES. I WOULD LIKE IT TO STOP.
A
A
2011-06-06 20:48:08
Unknown
Called - left no message/ another site says this is Pinnacle Finnancial = collection agency
Sturdivant
Sturdivant
2011-02-09 00:12:29
Unknown
got call would like it to stop
lori darling
lori darling
2010-10-06 20:44:24
Debt Collector
I keep getting these calls from this company for old paid off credit cards that are almost 20 years old.
A
A
2010-05-24 19:56:36
Unknown
They called - no message left
lamet
lamet
2010-05-19 19:46:42
Unknown
Pinnacle is a JUNK DEBT buyer that CANNOT PROVE that anyone owes the debts they collect.

When they buy the OLD WORTHLESS LEGALLY UNCOLLECTABLE debt for pennies - they do not receive any DOCUMENTS that back up their claims at all.


THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
You  can also post your questions here http://www.collectorsexposed.com/forum2/index.php
These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

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
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