Scammers.  If they have anything to relay, tell them to send in writing to last known address they supposedly have.  They won't know what to do and just sit there sucking their thumb.

This is Capital Management calling about my Chase Visa credit card that I owe money on. Of all the debt collectors out there, these people speak english and are here in the U.S. They have been polite to me and work well with me with what I can pay. Although they do call my work trying to reach me. They send me monthly receipts that a payment has been made, and they assure me that when my debt is paid off in Jan 2014 that they will send me a letter of paid in full.

If more debt collectors opperated like this company, maybe more debts would get paid.

They called me last Tuesday, and caught me in a very bad mood. I tore them a new one in the process of which they hung up, so I called them back four times and just kept letting them have it. I've not heard from them since.

Call my cell phone constantly.  I do not and will not answer these call.

Hmmm...I had a message that someone in my office took today from a Lettie Ross at that number, who told my receptionist that she was NOT a debt collector, and she was "returning my call", that I had been "urgently trying to reach her".  Since I haven't been urgently trying to reach anyone...I googled the number and was led here.  Isn't that illegal?

I don't know you please "DO NOT" call me again.

They were looking for someone else that has the same first Initial I do. What they are doing is calling everyone in the U.S. with a phone listing using the persons first initial and same last name. I get calls like this all the time, from these same people, even looking for different people with the same last name and same first Initial. If you file a complaint against them keep copies because they have been pulling this same stunt for YEARS and I keep ending up the victim of skip tracers wanting to collect someone elses debt so bad they don't care if they have the correct person or not.

Called my husband's sister-in-law looking for his ex-wife saying they were calling about her application and had been unable to get in touch with her.  Is this ethical?  They are obviously a debt collection company.

Called for my daughter who hasn't lived here in years. Left message on machine said they where Capital Management.

got a call asking for my co-worker, the caller was very aggresive and rude and asked me to transfer him to the payroll department. I think it is a scam, usually they are nicer, but I guess he was trying to sound important so that I give him more information on my labmate, I hung up...

Capital Management Services.

Very Very shady outfit
see this website for details:
http://www.budhibbs.com/debtcollectorpages/capital_management_services.htm


don't give them a DAMN thing....not even the time of day.

Not great with their research either.  Never heard of the person they were looking for, and I've had my number for almost six years.

had message on my work voice mail, called back and it was Capital Mgmt Fidelity something or other. I REALLY THINK THIS IS AN IDENTITY THEFT SCAM!!! BE CAREFUL AND DO NOT GIVE OUT ANY OF YOUR PERSONAL INFO!!! the woman asked some leading questions and gave me information that was in no way shape or form related to me. the address she gave was in another state, phone numbers in another state, EXCEPT for some reason they had my correct work phone number. they had my first and last name, middle initial, and work phone number. everything else was false. she even read me "my" credit card number, the account that was supposedly placed with their company for collections. was i supposed to say "that's not my credit card number - my number is__________"? she also read me the supposed last 4 digits of the social security number - again, was i supposed to say that's not mine, my number is________? BE CAREFUL!!! do not agree to pay them anything, don't give out your bank account info without something in writing first!

Received call on my cell phone on 05/23/2011 at 6:54pm from 1-800-298-0668. Some kind of spam.
Thanks for taking care of it, i have restricted number.

When I don't answer my direct line at work they call my front desk and leave extended messages and are rude, and I think leave too much personal information.  Very embarassing.  I hate them.

This is Capital Management which is a debt collection firm.  Sometimes the debts they try to collect are invalid and sometimes they are not.  Either way, the law firm I work for can help if you are being called by them.

I deal with debt collectors like this all the time!  I work for the Law Office of S.J. Packman & Associates.  We are headquartered on the East Coast and deal strictly with consumer debt issues helping clients in ALL states

Check us out and call us for help!

S.J. Packman & Associates
Attorneys at Law
www.sjpackman.com
1-888-314-1723 ext 101

They have been using multiple phone numbers to call my phone for a person that I've never heard of. I FINALLY called them back because the phone calls were becoming obsessive, as were the voice mails. They were nice and agreed to remove my number from the list but what creeped me out was that he had my phone number on caller ID in front of him and knew exactly what I was calling about. Hopefully this is a done deal.

Capitol Security, AKA Capitol Management.  called my cell about a deceased family member. When told he was dead and I was the PoA they hung up on me.  Called them back and got a male CSR that continued to argue that he can't let anyone talk to a manager.  After hanging up and calling back I got a manager that said they were with Chase bank.  They have to have my PoA to discuss the bill, however they can't accept that he's dead.

My answering machine list option numbers for the people who live here, the person they were calling doesn't, but they still left a message for them on MY answering machine, are they really that ignorant?

This is what is listed under that link
http://www.budhibbs.com/collectorpages/capital_management_services.htm

Capital Management Services
aka Center One Financial
726 Exchange St #700
Buffalo, New York 14210
COMPLAINTS HERE


Also in Greenville, SC
Phone: 716-871-9050
Fax: 716-566-2107
Web Address: www.cms-collect.com
Also:  2213 Niagara Street
Buffalo, NY 14207


Head Debt Collectors:   Jeffrey A. Hauser, CEO

Larry Costa, President

Karen Kraska, Secretary-Treasurer
Timothy Kraska, (very) Silent Partner
Patricia M. Cipriani, House Lawyer
(Drug Testing by: Quest Diagnostics)


--------------------------------------------------------------------------------

Quick Analysis                         Consumer Comments Below

Typical of the Buffalo style CMS has an endless pool of potential employees to fill the chairs that feed their operations.

The newspaper stories extol the optimistic attitudes of owners, Jeffry Hauser and Larry Costa along with Patricia and Timothy Kraska of an ever growing business that needs only their talent and expertise to survive.

Emails and information from former employees suggest Capital Management Services is suffering from the same fate that most other Buffalo, NY debt collection organizations face in an unhappy work force, far reaching drug use and untrained, unprofessional management and work staff squeezing every minute they can out of their unprofessional collectors.

CMS, is suffering from too much growth too fast. The number of debt collectors in America is at an all time high, which has created a shortage of accounts to collect and a potential drought in areas like Buffalo, the debt collection capital of the world.

So if we use terms such as... ?Buffalo style collection practices? to describe the actions of CMS employees and are told that drug use and criminal activity is on the increase, why should we even blink, isn?t that what the business in that area is expected to do?



If CMS has anything good going for them, it is the fact that they have an experienced and respected attorney in Patricia Cipriani. Her background and reputation may be saving Hauser a bundle in legal settlements. Don?t count on luck forever Jeffrey, your house is reported to be a mess and it needs a thorough cleaning.

Anyone dealing with Capital Management Services, Buffalo, NY be warned to take precautions, NEVER give a  collector your banking or credit card information, tape ALL of their conversations and contact me for referral to attorneys. As long as they are making money, they will continue to pay off their law suits.



CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT.  
Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts 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/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


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




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There?s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors ? or if you dispute the legitimacy of a debt ? a debt collector may contact you.

?Time-barred? debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General?s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a ?debt collector? generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt ? or any debt for that matter ? can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don?t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you?ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you?ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again ? except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn?t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney?s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works 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 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. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. 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.
October 2004

I get 4-6 calls a week at work from this number as well as others, ref debt collection??

They have other numbers as well 716-871-9050 I went to the FCC"s web sit and reported them there also.http://esupport.fcc.gov/complaints

I went to the Federal Trade Commission (F. T. C)'s web site and everyone needs to go there and follow their instructions on how to stop them. The address is
http://www.ftc.gov/bcp/consumer.shtm

Tried your address and it doesn't work.

Message from some idiot I couldn't even really understand.  Best I could tell he said he was calling about a credit card and did have the right card name as well as a ref. #: 50332313 and that he was from capital management.  I called the number he left out of curiosity. He asked what phone # and I stupidly gave it to him....he then asked me if I was......and gave me TWO different names, neither of which were MINE. He FINALLY admitted that MY phone # wasn't even IN his system but....

he then asked MY name.  When I told him I would tell him IF he could tell ME WHY this company calls people, he hung up on me!  This is crap!  When they start hassling people who are not even behind, something better be done to stop them!  I'm pissed!  What would have happened if I HAD been dumb enough to give him my name?!?

And, if they are within the law, why did he hang up on me?!?  WHY doesn't congress address this?!

This is Bud Hibbs' advice on dealing with this operation:  http://www.budhibbs.com/debtcollectorpages/capital_management_services.htm

This is the number provided by Capital Management service reps  - a collection agency, in an effort to collect a debt.  Their Buffalo office number is 716-871-9050.  If they ask for home address or any other information, you should never give it to them - clearly, they should have that info on file if they are collecting a debt from you.  Likely they are asking for address info so that they can serve you with documents to begin litigation.  They just don't want to be saddled with the expense of serving a bad address.  Give them nothing - not even confirmation of the resident they are seeking to contact at that number.

Missed a call from this number. Anyone knows who it was?