These knuckleheads leave a voice mail announcing a debt collection for someone I don't know.  I have had my phone number since January 2008.

Can barely understand the caller's accent.  Called twice so far.  First Source Advantage.  If collection agency, I'm the wrong person!

Yep. This is an active debt collecting agency that has been bugging me for days on my cell phone....God knows how they got my number, but they keep threatening legal action for a debt that dates back to 2007. They just don't seem to understand or care that I have been out of work for nearly 2 years, and that the debt is my ex-wife's; not mine. And I could barely understand the person who called... apparently, all debt collectors live in India. :/

Spanish sounding lady who was waiting for my cell to answer. I could hear her breathing in the phone. She finally realized the phone was on voice mail, and she muffled something that I could not understand (played back 3x's) and then the cell was disconnected

They called my sister's cell phone & asked for me. Not sure why but they are First Source Advantage. I've heard they are a collection agency for Capital One. I do have an active Capital One credit card, but no negative history with them at all.
They told me to call back 1-800-430-7349 x9098789
I called back & no one is answering, just short ring tones, very short.

debt collector

Called and hung up on me twice.

Got a robocall asking if I was someone and I had to press 1, 2, 3 etc...  Gave me no idea who it was that was calling my Google Voice number and they had used this local area code (805) to call me.  I called them back via Google Voice and a lady answered Firstsource Advantage, LLC and there are numerous complaints on the Internet about this debt collection agency.

716-564-4400
800-736-2107
805-256-7329
888-872-1566
903-206-4876
877-541-5741
631-869-4431

JUNK DEBT COLLECTOR


report them to the NY ATTORNEY GENERAL ASAP
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!

as well as YOUR state Attorney General Link to all State Attorney General Websites www.naag.org

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=5600
First Source Advantage, LLC  
205 Bryant Woods South
Amherst, New York, 14228

Albert.Dellamea@firstsource.com
www.firstsourceadvantage.com


--------------------------------------------------------------------------------
Phone No.  800-741-8860 888-809-9107 888-741-8896 866-276-8306 716-564-4400 888-737-4871 888-872-1566 716-564-4905 716-564-4905 866-276-8306 INDIA  
Fax 716-564-4440 www.accountsolutionsgroup.com  

  Albert L. DellaMea, President Lance L. DellaMea, Sr VP
 
 

Notes
Junk debt collectors & bottom feeders.  

Aliases Other Locations  


Mumbai, India  

1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

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

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 recieved a call from this very same number.  If you call back, the call sounds as though it re-routes with a brief moment of music and then has the sound of an overseas call. They tried to use a name similar to mine but not close enough, tried the last four numbers of my social but were completely wrong as well as with  the birthdate.  They ended the call with the call is recorded for quality purposes.

Hve been receiving electroic calls with web address www.fsak.com but that is discontinued.   This collection agency seem bogus to me.

Got a call from them where they left a message on the machine.  Couldn't understand the name of the caller or the company they represent.  The name sounded like "Trixie".  Anyway, she left a number and file number, as well as asking for a person who does not reside here nor do we know who the person is.  Just another number to add to my log prior to turning these cases over to our attorney.

Got a message this morning at work on the answering machine.  He sounded foreign, couldn't hardly understand the number he left to call back or the reference number.  I called and there was no answer.  I don't have any debt, never have and never will.

Got another call this morning, about the same time as before. About everyday. 'Important message' and the number (800) 430-7349 are very clear, but the name is muffled, hard to understand.

SPANISH SOUNDING LADY SOUNDED LIKE SHE WAS WAITING FOR MY CELL TO ANSWER BECAUSE I COULD HEAR HER BREATHING SHE THEN MUFFLED SOME WORDS AND THE PHONE WAS DISCONNECTED

I called back - no reference # given. They said they were calling for So-So. It was the same last name as my maiden name but wrong first name. I said there was no such person ever at this number. Depak asked me when I got this number. I told him 2004.  He was able to confirm the number I was calling from (guess my husband the call blocking feature afterall>>) and told me that he would remove the number from the call list.  We'll see!

This is the second time we have received a call from First Source Advantage with 800.430.7349.  They leave messages for my mother, who has never even lived with me or used my home phone number and we have different last names.  They have left the same "reference number" both times while calling a week apart.  I tried calling the ph# three times, the first two times the line was busy with an odd busy signal.  The third time I called the phone just rings, again with an odd ring tone, which automatically hangs up (after 20+ rings) without being able to speak to anyone or leave a message.  Very frustrating...

This number called and left a message saying my name but used my maiden name and I have been married for over 25 years. I called the number they left back and it hung up on me.

A call from Genavive comes every day sometimes twice a day. She claims I have an outstanding balance on a Chase card from 2007. I told her I will pay as soon as I get a mailed statement. She asked for my address so I told her she should have that info. She rattled an address that was not mine. I then told her to fax me the bill. No fax ever came but phone calls dont stop.
Yesterday she called and I told her that I looked at my credit report and I have no outstanding balances. I sugested she had the wrong person. Ganavive asked me if my ss# ended with ... "nope- not me". I thought that took care of things but...another call came today with her repeating the message to a T.
I finally decided to call her back at 1-800-430-7349 ext. 14332105 and there was no answer.
Caller ID number changes but one call was from David Tsai 1-862-222-3872

More than one caller from this "First South Atlantic LLC" company has left messages on my answering machine with the claim that by remaining on the line it constitutes responsibility for a debt they are trying to collect.  They then give a name which is similar, but not correct, to a resident at my address.  Additionally, nobody at my residence has any such debt.

I decided to check here before making any response since I know this is probably a 'phishing' call (I've done a cease and desist for a similar previous company placing this sort of call to my number).

I noticed a call from this number but found no message.