800-883-0613
C Mac
C Mac
2012-07-19 02:46:55
Prank Call
These SOB's are tripping w/o their luggage. They call back to back to back to back to back and it is VERY ANNOYING. Whenever a class action lawsuit comes forth against these b*****ds, i will most definitely get on board......SIGNED "sick of this s***".
Dirck
Dirck
2012-03-19 14:42:17
Debt Collector
They are a collection agency but they have the wrong number I an receiving call from them everyday and call them last week and they agree to take my number out of their system but they haven't done it

Is there a way to an agency to complaint I am tier of their calls this should be illegal they are invading my privacy
Resident47
Resident47
2012-02-24 18:57:22
Unknown
Lamet could hardly go wrong quoting the FTC. A simple link to the material would have sufficed, but he at one time insisted on spraying it over many threads.

SOME collection is conducted by a debt buyer like NCO. Other accounts are merely assigned by the original creditor. Even then the collector often has a preset "discount" schedule. The difference in ownership is critical in one's defense, since the chain of title weakens as debt is sold and resold.

Your consultant is concerned with "re-aging" of debt which has gone past the Statute of Limitations. It may be "three years" in your state and in one category. The figure varies quite a bit depending on those two factors. A ding in your credit score is hardly the worst problem, given that the worst damage comes the moment you default on a lender. Fooling you into resetting SoL is a primary goal of all junk debt buyers since it reinstates their ability to sue, and therefore their leverage.

In some states, not just payment but even verbal admission of liability is enough to reset the SoL clock. This among other reasons is why in any phone exchange the information flow must be turned in one direction, from collector to consumer. If your lips are too loose, remain strictly on a paper trail. Eventually that's where everyone needs to go anyway to best preserve one's rights.
Texas Dan
Texas Dan
2012-02-24 17:43:16
Unknown
Thanks for the information, my consultant saw this information as well and said that is the correct way to handle these issues, the other things that people do not realize is that the debt collectors purchase these debts from your orginal debtor for pennies on the dollar and try to make you pay them the full amount or give you a discount in which they are still making a profit.  My consultant explained that you do not talk to them, do not answer their phone calls, and do not pay them if the debt is over three years old because that turns around and validates the debt and allows them to place it on your credit report, also everyone needs to check their credit reports to verify the debtors listed on there, sometimes a debt collector will create an one or two annoymious debtors and add it to your report with negative readings (VERY ILLEGAL, BUT YOU HAVE TO CATCH THEM) causing your score to be placed even lower than what it should be.
emcee
emcee
2012-02-16 20:20:23
Debt Collector
also rec'd several calls from this number .. annoying  as heck !!!! im sure they are violating all kinds of laws - how can we stop them?
Distractred at Work
Distractred at Work
2011-11-28 16:36:08
Unknown
I just received 4 messages from this number on my work voicemail on a landline office phone at the power plant I work at.  I was able to pick up the phone one time, but was just put on hold.  I called the number and was instantly connected with a real person who I directed to put me on the Do Not Call list.  She made me tell them my name and said that it migh take a few days and that I would receive a follow up call.  So we'll see.
Dee
Dee
2011-08-13 01:51:13
Debt Collector
NCO uses many phone numbers to call from and they use many of them every day so they call you a dozen  or more times a day using all these different numbers.  If a call comes in to me that isn't defined on the caller ID, I won't answer it nor will I return a call if they leave a message.
Joyce
Joyce
2011-08-09 14:10:05
Debt Collector
Has been calling me 4 or 5 times a day would love for them to STOP CALLING.
am
am
2011-06-06 20:58:36
Unknown
Despite 2 Cease & Desist letters mailed Certified - Return Receipt to their Corporate Office, they keep calling. You can expect calls from these @$$holes from California to D.C. for they have offices all over. If you have Caller ID and a FAX machine as I do, keep a log of the calls so when they call, you can hit the Start Fax button. Nothing like giving someone annoying a pierced eardrum.
cary74
cary74
2011-06-06 20:58:36
Unknown
I don't know who it is I don't answer the calls but this number calls all day long.
not debbie
not debbie
2011-06-06 20:58:36
Unknown
NCO is a bogus collection agency who buys very old debt ( debt that the statue of limitations has expired). They purchase this old debt for pennies on the dollar and then proceed to attempt and collect. Because the debt is so old, the bogus collectors have NO current contact info and therefore repeatedly call wrong numbers.
In my case, I have had my number over 4 years and they are calling for the person that had the number before me...Report these Low Paid low life scums....
There are reputable collection agnecys but this is not one of them... report to fcc!!!!
noah
noah
2011-06-06 20:58:36
Unknown
it is nco financial. capitol one credit card comapny. they will call everyday 12 times for months and months and months.
nell
nell
2011-06-06 20:58:36
Unknown
They just called  me, when i pick up they do not answer, its really annoying, and when i call back there is answer machine that tells there hrs. Today is saturday it 7:40 pm est right kow, and it says that they close at 6 pm est....this is really wierd.....And im an debt concultant, after reciving the Cease & Desist letters mailed Certified, there not suppose to call you more than once after reciving the letters, if they continue to call u they could be sued for harrasment...also if any of u need help settling your debt give me a call 877-332-8944 ext 2156 I work with a A rating company with the BBB, we cut your debt in half as well as bring the interest rate to 0%, we have you debt free in as little as 3 years. I work in corporate office downtown ft lauderdale.
Bruce
Bruce
2011-06-06 20:58:36
Unknown
I don't have a Capitol One card and have never done business with them. Someone used my cell phone number to open an account with them. I hope they took them for a lot of money cause they are driving me nuts with the phone calls from several different area codes. I can only block 5 at a time.
Stow
Stow
2011-06-06 20:58:36
Unknown
Came at 8:30 Saturday morning; no answer at first; wanted Dan Curry.
madeline
madeline
2011-06-06 20:58:36
Unknown
800 0613 calls less than two hours all day everyday asking for someone who does not live here.  I have tried to explain to them "wrong number," screamed at them, ignored them, everything one can think of, yet they never stop.  They start out 8:oo AM, and don't stop until 10:00 PM.  They make sure that I can't even get an extra hours sleep on a day off.  Do they think this person is suddenly going to appear?
MrAngry
MrAngry
2011-06-06 20:58:36
Unknown
Wait until they call your neighbors and parents/siblings house and embarrass you Madeline. It's coming. I think they have "bought" numbers from cell phone companies. I'm with Verizon. I think they are the worst. Never thought that until recently.
PHASHA
PHASHA
2011-06-06 20:58:36
Unknown
DON'T KNOW WHO IT IS, CALLS FROM THIS NUMBER COME SEVERAL TIMES A DAY
Lawzme
Lawzme
2010-09-13 13:12:26
Unknown
this information was phenominal. Thanks so much. you are a god send!
wilmoth
wilmoth
2010-07-09 00:44:15
Unknown
stop calling, every single day
Zach
Zach
2010-07-08 14:31:41
Unknown
non sense.  half a message or some BS operator jazz.  it's a scam....i tried registering at www.donotcall.gov but to no avail...any suggestions please
Richard Lewis
Richard Lewis
2010-06-16 16:37:54
Unknown
A recorded message for me to return their call is all I get. I do not return their call and do not owe any money to this company. If they would identify themselves and tell me what they are after, I would help them, if I could.
Jake
Jake
2010-06-07 20:30:09
Debt Collector
They just called my business line and left a message. I called them back and they asked for a Capital One account number. I refused to give them any financial data, so they asked for my phone number for cross referencing. After I gave the the phone number they called they asked if there was a William J. Smith here. I told them there wasn't (no idea who that is either) and they apologized for the initial call and said that my business number would be removed from their system in the next 24-48 hours. No idea why in this age of computer technology it should take so long. Anyhow, they said if I should get any more calls from them I should ignore them...
Anony again
Anony again
2010-05-04 16:49:25
Unknown
It looks like NCO and Capital One share phone numbers.
I received a call from unknown company NCO 310-883-0613 today which I got at the third ring, but no one was there.  
Then calls came in from Capital One 800-883-0613, with no response to my answers also at the third ring each time, which I wrote about above.   I notice helltopay identified this 800 number as NCO.
Anony
Anony
2010-05-04 16:33:12
Unknown
I've been popping up today to answer these calls from 1-800-883-0613 at the third ring, but no one is there when I answer.  I do no business with Capital One, the listing on the caller ID.    I thought I was on the do not call list, and I have an unlisted number.
helltopay
helltopay
2010-05-01 20:42:50
Unknown
I spoke to 3 people at NCO in a matter of 2 days.  Today, they called my parents house--many times, after I spoke to them yesterday, and earlier today.

After hearing that, I called them every 5 minutes.  the first 9 people I talked to hung up on me (there's a switch), and the final person agreed to remove the parent's number.  Best part? I don't owe Capital One (who they claim I owe) any money at all.

I recorded the calls, which is legal in NYS and I told them I was doing it. First guy said he was terminating if I recorded call (buit they can record it? ha haha ha)
Marion McE
Marion McE
2010-04-26 22:27:30
Debt Collector
Receive many calls from this number, never a message. They also call my mother in law, 92 years old, she told them she is not the person. They still call anyway. They will not take her off their list. Sometimes within minutes of each other.
My husband spoke with someone there once, told them they could NOT record the call,  the caller got angry and  hung up.
lamet
lamet
2010-04-22 14:52:38
Unknown
calling the wrong number over and over again after being told its the wrong number is illegal - YOU ARE ALLOWING TO HAPPEN because YOU  are not handling it correctly!  


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
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
LAMET
LAMET
2010-04-22 14:48:45
Unknown
until YOU HANDLE IT CORRECTLY YOURSELF - FORGET THE LAWYER FOR NOW


THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS  includes calling the wrong numbers.  
HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/First.htm
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0
Mike 2
Mike 2
2010-04-22 13:21:12
Debt Collector
NCO, They call  seven days a week, 2 to 3 times an hour,  ridiculous but they have to do it to try to collect a debt.
1-800-220-6034 1-477-267-0900 1-773-945-5635
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