This number called me at work, called my parents at their home, and my sister at her work.  They're leaving threats. This has got to stop. More info about the call: Called was Steve Mckinley, wanted address, place of employment, ssn. Case file #50140419. Said it was a warning to serve me.

sue them under the tcpa

sue them under tcpa and fcra too

sue them

Advanta Bank Corp went broke. They were issuing non registered  securities to finance Advanta Bankcards. The SEC and the State of Utah shut them down. Without an influx of money, Advanta cards cancelled all thier cards without required notice. They then reduced the credit limit to 0, below what the previous credit limit and current balances in order to assess overlimit They also raised the interest rate from 8% to 30% without proper notice,  changing the minimu payment to 100% of the balance and started assessing late fees. Needless to say they were sued. They lost the suit and were required to repay all the excess charges and interest to the card holders. I guess when you get hit with a $500 million plus judgement, you do exactly what Advanta did. You file bankrupcy. All the card holders are owed a great deal of money by Advanta that they will never see. Now these predators bought this debt for pennies on the dollar, including all the illegal fees and charges amassed. Ha!  

Since these clowns are not the original debt issuers, they have no standing and what ever they get, they don't deserve.

I did send them a certified letter to cease and desist, but they still call. It's always "dead air" when I do answer, follwed by a dial tone. Under FTC rules and under our own state rules, "Making a telephone ring" [when no one is on the other end] is considered harassment (and in my state can be deemed a criminal act with a fine of not less than $100 and not more that $500 per occurance.

I plan on filing a compaliant and charges against them and see what happens

My phone saves the numbers that call. I have a long list of calls from that number. Good thing i save reject on my phone. It doesn't even ring at my end, but it's still annoying. We have been wanting to pay but the money is not there. This is an old debt. I believe they keep it alive selling the debts to collection companies that buy them for cents on the dollar and them they can harass you for years to come. The only way out is to go bankrupt, but there is no money even for that.

If you have an android phone, download the Call Filter app.  It automatically blocks unknown calls, and you can add numbers to a filter that sends them directly to email.  Your phone only rings one short ring, then the app zaps it.  They call me all the time and I don't even know until I check the missed calls later in the day. They just keep calling and calling and I don't even know (or care).

From Cardworks Services (Advanta Credit Card) these are a debt collector

Advanta  went bk and was bailed out by FDIC just ignore them

These vermon call 2 times a day and never leave a message

don`t call to me pleas!

This number is calling my house.

Calls my number but never leaves a message.  I screen my calls because of nasty collections companies and incoming callers are instructed to leave a message so I can call legitimate callers back.

09-14-10 This number called me ..Female that answered said Co name I asked her to repeat it x2 "card Service's'" I said I'm must have wrong # she said No you did not dial wrong numb, we just called your number. I said well I do not have a card so I must have. She then asked who I was .. I said what is this in regards to.. she asked for xxx I said no not available, but may I help you .. and she wanted to know why I was answering this phone if I was not xxxx. I told her that was none of her business. She then said mam what is wrong with you? I then replied You .. and do not call this number xx is available and if you can't tell why you are calling this number do not call back and I hung up... .VERY SNIPPY AND CONDESCENDING !!

THEY KEEP DISREGARDING THE FACT THEY ARE CALLING A BUSINESS, AND KEEP CALLING, AND WILL NOT STATE BUSINESS 2 TIMES A DAY FOR MONTHS.

SUE them under the FDCPA!  Sue for $1,000.00   Everyone needs to stick together on this and retaliate against ADVANTA!

Call, do not speak,  and leave cell on even as a rep is online.  It will take up  alot of company time and annoy all.

Does anyone know where to go to find any existing lawsuits against CardWorks Services, LLC, Pittsburg, PA for their treatment and deceptive actions against the consumer?
RR

well said !!!!!!!!!!!!!

Thank you for this info. They (Advanta's collectors) robo call me several times a day. They don't leave messages and when I am able to answer, no one is on the line.

I do not like the idea of walking away from debt, even if it takes me a long time to pay. However, these guys are the exception. They borrowed money to issue credit cards, marketed themselves as small business lenders, and then left their customers hanging. They paid their CEO a multi million dollar bonus, cut off credit for small businesses (many of whom went out of business as a result), raised rates to over 30% and then filed bankruptcy on their own debt leaving their creditors holding the bag on billions in debt.

Why, exactly, do they think any of their customers should pay them when they left their creditors holding the bag? They are trying to collect on a debt THEY themselves defaulted on and a debt they no longer own.

If they don't leave a message why they are calling, what debt collection agency they are calling from, they hang up... SUE THEM under the Fair Debt Collection Practices Act call an attorney as soon as possible.  $1,000.00 per violation.  Not a bad day of work.

My phone has only been on for 3 days and no one has this number yet. They started calling immediately and won't stop. How do I get rid of them? They never leave a message.

Getting MANY calls from this number.  I have a common name so it's a case of mistaken identity but it does no good to try to talk to these clowns.  They call my home and my cell number.  I've just quit answering.

called business...no message left

Card work services in Pennsylvania.  (Women refused to give me address) Called me at 6:30 Saturday morning - you will all be glad to know I ripped a new a-hole to whoever called. I did not let her even attempt to tell me why she was calling

If it is Advanta - they are at least the 5th (might be more have lost count) collection agent that has tried to contact me regarding a former corporate account. They like to claim I am personally liable for the corporate debt - Whenever asked to produce a copy of the signed guarantee they claim they do no have to. My answer is always no signed guarantee no chance in heck they are going to get paid.

Here is what works. answer the phone and laugh be happy, and say, (do not say who you are, you are controlling the conversation)  Say this, "you just made my day, thank you for calling! Now I get to claim the $1,000 against your company for calling me after a cease and desist.. Ahh, debt companies are soooooooooo stupid!!! Bye! have a great day!"

And they will probably try to ask who you are, or whatever, or say, "i do not know what you are talking about" and just laugh laugh laugh laugh..

That will stop them.

The number belongs to a company looking to settle any Advanta Bank Corp debt.
CardWorks Services
PO Box 9201
Old Bethpage, NY 11804

CardWorks Servicing
225 W. Station Square Dr
Pittsburgh, PA 15219

This is a debt collector for Advanta who went bankrupt. They usually just put you on a dialer ignore them

Calls my phone at least 3 times a day with no message!

http://consumerjustice.com/consumer/agencydetail.aspx?id=7798
CardWorks Servicing, LLC  
225 W. Station Square Dr., #400
Pittsburgh, Pennsylvania, 15219

donald.berman@cardworks.com
www.cardworks.com
--------------------------------------------------------------------------------
Phone No.  877-487-5583 877-630-5816 412-291-4000 412-291-4005  
Fax 412-434-7328  

Donald Martin Berman, CEO Albert Thomas Jaronczyk, Partner David Bradford Watson, Partner Cynthia A. Schmargen, Partner  

Notes
Junk debt and payday loan collectors. Handling defunct Advanta accounts.  

Aliases Other Locations  

Fka/Cardholder Management Services, LLC
101 Crosswalk Park W. Woodbury, NY 11797  


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