877-697-7554
 | gregw 2014-05-16 20:44:32 Unknown |
Why do people leave feed back to say "They called me but I didn't answer". What is the value add?
| burt 2014-02-14 04:05:18 Unknown |
877-697-7554 They keep calling. They never leave a message
| anita pope 2014-01-24 16:15:36 Unknown |
called my job askng if my birthday was a certian date, then hung up
| bad hillbillies 2014-01-16 00:08:11 Unknown |
Its a debt collectors hoodie is your money at a hospital or somewhere download current ID app I did you give me the location and who they are and what they're doing god bless y'all from hillbilly land hahahaha
| Hedda Lettuce 2014-01-14 17:41:51 Debt Collector |
Collection agency for old Department of Education loans. Don't engage them. Make them send you all correspondences via snail mail.
| Justin 2013-12-11 23:29:35 Unknown |
They called me too, I blocked them twice, I got an unpublished number for a reason.
| Winter 2013-11-21 13:15:09 Unknown |
Got a call at 7:00am in the morning from these people never leave a message. I thought these people by law could not call you until 8:00am. I saved this number under SCAM calls on my phone so it goes straight to voice mail every time they call.
| - 2013-11-02 03:12:49 Debt Collector |
( 877 ) 697-7554
A private (i.e., a vendor that retains something like 40-60% of whatever money they collect as a "fee") ... debt collector for the federal department of education.
A private (i.e., a vendor that retains something like 40-60% of whatever money they collect as a "fee") ... debt collector for the federal department of education.
| Da5ek 2013-07-13 00:48:52 Unknown |
I got a call from this number. I did not answer and they left no voice mail.
| barbara correa 2013-06-27 14:03:58 Unknown |
i keep getting call from this number they said they were the dept. of education but they are a collection agency claiming i defaulted a loan. not true
| Micky 2013-05-09 19:03:48 Unknown |
Two calls recently which I did NOT answer, and didn't bother to activate my voice mail because of this continuing problem.
| PISSED OFF DYING WOMAN, I OWE NO MONEY! 2012-07-11 21:16:38 Debt Collector |
I have survived cancer 3 times, have other health issues, and cannot work, so with an attorney, I filed hardship papers over
11 yrs ago. The lawyer told me that student loan faxed them and even called them and said I do not owe them money, as 2 times
I was on my death bed, but I fought hard, and to this day I am still fighting to live. I had 3 different Dr's sign the
papers, I did everything I was supposed to do. When they call me now, I tell them I will go back to my Attorney and they tell
me loudly, ohhh NO, NO, NO you do not need one, that tells me they are trying to scam me out of money I do not OWE! They are
just buying up those accounts that they see that has been dealt with by hardship, hoping that now we are fine, but not in my
case, I could die anytime. They do not care. I have no money, and I do not owe them money, but my mom is offering me the 100
bucks I need to go back to my Attorney to sue these ppl for calling me at 6 30 am, and they call me up to 4-5 times a day
most days, they are not supposed to do that. I am tired of it, I am sick, leave me alone please, I DO NOT OWE MONEY! It took
them 11 yrs to to call me and tell me I owe them money. Why harass a dying woman? HAVE A HEART, IF I WAS NOT SICK AND WORKING
THEN I WOULD BE PAYING THEM, THEY WOULD HAVE BEEN PAID OFF ALREADY , I AM SO SICK THAT ITS HARD FOR ME TO GET AROUND, OR TO
EVEN GET TO THE PHONE EVERY TIME THEY CALL. THEY CALLED ME SUNDAY NIGHT, I TRIPPED AND FELL GETTING TO THE PHONE AND HURT MY
SELF , I LOST MY BALANCE CAUSE OF ALL THE 10 DIFFERENT MEDICATIONS I AM ON AND I AM RECOVERING FROM HAVING 3 PROCEDURES
RECENTLY TOO. I AM GOING TO HAVE ANOTHER ONE HERE SOON. I REALLY AM DYING. AND THEY ARE SO RUDE TOO, I TALK NICE TO THEM TILL
I MENTION A LAWYER THEN THEY GET ANGRY AND EVEN YELL AT ME. HOW RUDE IS THAT, IT TAKES A LOT OUT OF ME TO EVEN TALK ON THE
PHONE, WHY WOULD I BE RUDE? BUT THE Dr's OFFICE AND ATTORNEY BOTH STILL HAVE THE COPY OF THE HARDSHIP PAPERS THAT I ASKED
THEM TO KEEP. MAYBE I JUST WILL GO SEE THE ATTORNEY AND SUE THEM , I READ , AND SEEN THEY ARE NOT TO CALL BEFORE 8 AM AND
AFTER 8PM, THEY DO IT ANY WAYS, AND THEY YELL AND SCREAM AT ME TOO, PROB. CAUSE I REFUSED TO GIVE THEM MY PERSONAL
INFORMATION, I DO NOT GIVE OUT MY SS NUMBER, DOB, ETC. ITS PRIVATE AND PERSONAL. IT BELONGS TO ME. SO FORGIVE ME IF I
MISSPELLED ANYTHING, IT HAS TAKEN ME A LONG TIME TI TYPE THIS, AND YA I ACC. HIT THE CAP, BUT NOT GOING TO REWRITE ALL OF
THIS IN SMALL LETTERS, BY THE TIME I GET DONE, IT WILL BE TIME TO HEAD BACK TO THE HOSPITAL FOR MY PROCEDURES. OR I COULD
DROP DEAD AT ANYTIME. AND THIS IS NOT THE ONLY NUMBER THEY CALL ME FROM TOO, ITS OVER 15 DIFFERENT NUMBERS !!! SO PLEASE
LEAVE A DYING WOMAN ALONE, AND LET ME HAVE PEACE AND NOT BE STRESSED OUT OVER SOMETHING I DO NOT OWE! THANK YOU!
11 yrs ago. The lawyer told me that student loan faxed them and even called them and said I do not owe them money, as 2 times
I was on my death bed, but I fought hard, and to this day I am still fighting to live. I had 3 different Dr's sign the
papers, I did everything I was supposed to do. When they call me now, I tell them I will go back to my Attorney and they tell
me loudly, ohhh NO, NO, NO you do not need one, that tells me they are trying to scam me out of money I do not OWE! They are
just buying up those accounts that they see that has been dealt with by hardship, hoping that now we are fine, but not in my
case, I could die anytime. They do not care. I have no money, and I do not owe them money, but my mom is offering me the 100
bucks I need to go back to my Attorney to sue these ppl for calling me at 6 30 am, and they call me up to 4-5 times a day
most days, they are not supposed to do that. I am tired of it, I am sick, leave me alone please, I DO NOT OWE MONEY! It took
them 11 yrs to to call me and tell me I owe them money. Why harass a dying woman? HAVE A HEART, IF I WAS NOT SICK AND WORKING
THEN I WOULD BE PAYING THEM, THEY WOULD HAVE BEEN PAID OFF ALREADY , I AM SO SICK THAT ITS HARD FOR ME TO GET AROUND, OR TO
EVEN GET TO THE PHONE EVERY TIME THEY CALL. THEY CALLED ME SUNDAY NIGHT, I TRIPPED AND FELL GETTING TO THE PHONE AND HURT MY
SELF , I LOST MY BALANCE CAUSE OF ALL THE 10 DIFFERENT MEDICATIONS I AM ON AND I AM RECOVERING FROM HAVING 3 PROCEDURES
RECENTLY TOO. I AM GOING TO HAVE ANOTHER ONE HERE SOON. I REALLY AM DYING. AND THEY ARE SO RUDE TOO, I TALK NICE TO THEM TILL
I MENTION A LAWYER THEN THEY GET ANGRY AND EVEN YELL AT ME. HOW RUDE IS THAT, IT TAKES A LOT OUT OF ME TO EVEN TALK ON THE
PHONE, WHY WOULD I BE RUDE? BUT THE Dr's OFFICE AND ATTORNEY BOTH STILL HAVE THE COPY OF THE HARDSHIP PAPERS THAT I ASKED
THEM TO KEEP. MAYBE I JUST WILL GO SEE THE ATTORNEY AND SUE THEM , I READ , AND SEEN THEY ARE NOT TO CALL BEFORE 8 AM AND
AFTER 8PM, THEY DO IT ANY WAYS, AND THEY YELL AND SCREAM AT ME TOO, PROB. CAUSE I REFUSED TO GIVE THEM MY PERSONAL
INFORMATION, I DO NOT GIVE OUT MY SS NUMBER, DOB, ETC. ITS PRIVATE AND PERSONAL. IT BELONGS TO ME. SO FORGIVE ME IF I
MISSPELLED ANYTHING, IT HAS TAKEN ME A LONG TIME TI TYPE THIS, AND YA I ACC. HIT THE CAP, BUT NOT GOING TO REWRITE ALL OF
THIS IN SMALL LETTERS, BY THE TIME I GET DONE, IT WILL BE TIME TO HEAD BACK TO THE HOSPITAL FOR MY PROCEDURES. OR I COULD
DROP DEAD AT ANYTIME. AND THIS IS NOT THE ONLY NUMBER THEY CALL ME FROM TOO, ITS OVER 15 DIFFERENT NUMBERS !!! SO PLEASE
LEAVE A DYING WOMAN ALONE, AND LET ME HAVE PEACE AND NOT BE STRESSED OUT OVER SOMETHING I DO NOT OWE! THANK YOU!
| Ket 2011-08-22 18:58:31 Debt Collector |
These people called this morning looking for an ex-roommate of mine. A Google search of the number turned up a job opening ad for student loan debt collectors, and since my ex-roomie did have some student loans, I assume that's why they were calling. They did fail to identify their company name or tell me why they were calling, which are debt collection no-no's in my state. The guy calling simply identified himself by "his name" and told me it was "very important" that he speak to the ex roomie.
Be careful with these guys, and make sure that they follow Fair Debt rules before you talk to them or agree to help them find anyone.
Be careful with these guys, and make sure that they follow Fair Debt rules before you talk to them or agree to help them find anyone.
| rach 2011-08-16 19:37:34 Unknown |
this is eocca or eotca or eopta or whatever they said when I called it back. Said it was a time sensitive personal matter. and they wouldn't relay any more information until my husband called back (which he isn't going to). I do all the business in our family so if they won't talk to me then I suppose they won't get talked to.
| Paul 2011-06-06 21:04:44 Unknown |
No message left.
| Dr.Buzzard 2011-01-07 17:34:02 Unknown |
I got this annoying phone call early in the morning.These are the type of b*****ds that I wished Al Qeada would target and eliminate.I have NO tolerance for ignorant animals. This country has too many useless people that serve NO purpose!
| lamet` 2010-09-14 19:58:16 Unknown |
report them to the MA Attorney General
Link to all State Attorney General Websites www.naag.org
collect mostly junk debt, do not validate debts)
for some reason - they are collecting for the Dept of Ed - Student Loans. (Government did not VET the companies they hired, as they do not follow FDCPA at all)
(Employees have come here to continue their illegal harrassment under http://800notes.com/Phone.aspx/1-800-896-4539)
http://www.consumerjustice.com/consumer/agencydetail.aspx?id=7645
EOS CCA, Inc.
700 Longwater Drive
Norwell, Massachusetts, 02061
paul.learyjr@eos-cca.com
http://www.cca-us.com
--------------------------------------------------------------------------------
Phone No. 800-792-5130 800-886-9177
Fax 781-681-4340
Paul E. Leary, Jr., President
Notes
Junk debt collector, no license or bond found anywhere we checked. They changed their name...why?
Aliases Other Locations
Collection Company of America
Rochester, NY Denver, CO Dallas, TX Tinley Park, IL
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
Link to all State Attorney General Websites www.naag.org
collect mostly junk debt, do not validate debts)
for some reason - they are collecting for the Dept of Ed - Student Loans. (Government did not VET the companies they hired, as they do not follow FDCPA at all)
(Employees have come here to continue their illegal harrassment under http://800notes.com/Phone.aspx/1-800-896-4539)
http://www.consumerjustice.com/consumer/agencydetail.aspx?id=7645
EOS CCA, Inc.
700 Longwater Drive
Norwell, Massachusetts, 02061
paul.learyjr@eos-cca.com
http://www.cca-us.com
--------------------------------------------------------------------------------
Phone No. 800-792-5130 800-886-9177
Fax 781-681-4340
Paul E. Leary, Jr., President
Notes
Junk debt collector, no license or bond found anywhere we checked. They changed their name...why?
Aliases Other Locations
Collection Company of America
Rochester, NY Denver, CO Dallas, TX Tinley Park, IL
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
| Ed 2010-09-14 19:40:50 Unknown |
WHO ARE THESE PEOPLE? Left a message on my phone regarding someone I don't know.
| MI call 2010-08-07 14:58:26 Unknown |
Got a call in MI longing for a distant relative in MA... the number I called says the company is EOCCA...???Don't know what they are or do
| Bird 2010-06-16 01:06:22 Unknown |
Don't understand why they would leave a message on my machine for someone I don't even know. Who is this company???
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