323-446-0630

who are these people

complain here:

http://www.complaintsboard.com/panel.php?action=register

I looked up the number on the white pages once i figured their location:

http://www.whitepages.com/business/collection-technology-incorporated-monterey-park-ca?site_id=10583&t=aa964fb2ba96470298e951385ad61a38

They are a collections agency - Collections Tech. Their web site fails to provide an email contact. Really 21st century. Looking at the pic they have on their site the guy looks menacing...

http://www.collectiontechnology.com/


Paul Van Dellen
Chief Executive Officer

Corporate Office:
1200 Corporate Ctr Dr Suite 325
Monterey Park, CA 91754

Toll Free Numbers:
(800) 743-4284
(800) 620-4284
FAX: (323) 446-0646

Branch Office:
10801 6th Street Suite 200
Rancho Cucamonga, CA 91730

Mailing Address: PO Box 2017
Monterey Park, CA 91754

Looking for email I find the obit for the former CEO. Please write your comments in this creepy "account receivable" web site which has the gall to ask for donations:

http://www.insidearm.com/go/arm-news/-obitura ... -technology-inc

If you scroll toward the bottom of this site it indicates this company is a "foreign for profit" which is bizarre since I think they are thugs for govt student loans:

http://www.corporationwiki.com/California/Bur ... ed-4191870.aspx
Govt site
http://www2.ed.gov/offices/OSFAP/DCS/collection.agencies.html

some big wig at the company and an inside look:

http://accountsrecovery.net/profile/MikeGibb

more inside look how they want to hire people in developing countries to do collections calls:

http://accountsrecovery.net/forum/topics/home ... source=activity

yay...regulation of collection torturers:

http://www.insidearm.com/go/arm-news/ftc-repo ... tion-complaints

After a half hour I STILL am unable to find an email address for them.

This company plays dirty with its partners

http://caselaw.findlaw.com/tx-supreme-court/1243846.html

Can't understand why they keep calling my number and not leaving a msg since I have no outstanding loans or overdue loans, etc. Are they also a co that might be collecting for "charity"?

I have had people call my phone before because a distant cousin has the same first initial and they are looking for him wth collections and think I might tell them something about him or that he's listed his phone with initials only. Guess that could be it??

Is there a way on cell phones to block numbers so that I never have to receive calls from them again? I keep getting a lot of calls on cell that I never got when that was my home number.

I finally got a message left with my specific name and a query about wage garnishment.   I have a common last name and when I lived in an urban area used to get lots of fishing calls from collection agencies.  I called back after hours and left a message that I have no outstanding debts and that if they keep calling me I would report them.   Will keep you all updated

using any threats at all is ILLEGAL for a debt collector - ITS AN ILLEGAL SCARE TACTIC

Usually means THEY CANNOT PROVE the debt is valid at all.   The intent is to SCARE you into making a payment - so they do not have to PROVE the debt is valid as required by LAW.

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=4789
Account Collection Technology LLC  
10333 Richmond Ave., Suite 600
Houston, Texas, 77063
www.rclegal.net
-------------------------------------------------------------------------------
Phone No.  866-854-2770 713-782-2700 866-892-4185 713-782-4185  
Fax 713-782-9664 713-782-7404  

James O. Wooley, Owner
 
 

Notes
Collect America Franchisee CACV & CACH, LLC Richard Clark is the 5th or 6th lawyer to have his name used there. James O. Wooley calls the shots (and not too well.)  


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

great post! Thank you for all the information how to protect ourself from debt collectors

Hey, fool, student loans have no statute of limitations and can't be discharged in bankruptcy.  Til death.  Stop spreading foolish nonsense.

These people are using facebook to try and find people.  So be careful.

Thanks for the info, they are everything you said and more!

they called me saying they were trying to get in contact with my next door neighbor,   they wanted me to give my neighbor a message to contact them!       really,      ok,   why did they call me????   surely they have better methods of operation.     the caller said she was calling from california.   i am in texas.

Leaves threatening messages like they will garnish my wages. What a joke No idea who these people are, dont trust them with all of the scams out there.

Some guy just called my home from this number asking for Carmen and actually wouldn't believe he had a fricking wrong number and no one by that name lived here. I will be reporting then to the FCC.

There is no one by the name of Richard Guest or Giest at that residence. There is no one who carries any debt of ANY kind there. We did not sign up for any free giveaway's we do not want any free trips or whatever you are selling.

STOP CALLING!!!!

These ppl call all hours of the day and night harassing me, and they don't leave messages. If I had the $ to pay the debt they wouldn't have to call period. So since I don't have their $ and don't know when I'll have their $. I want them to Plz stop calling me!!!

stupid ass people in here.. get the facts straight.. cti collects on federal debts.. dont pay them and see wat happens.. you get your wages garnished.. then you be like [***], i should have picked up the phone the first time around and stopped being so [***] ignorant.. idiots!!!

Dear Student Loan Debtors:

You need to educate yourself about the laws of student loan collections before making the decision to just avoid the calls and hope it will go away.

Here are a few points you will hear when talking to a contracted company of the Dept of Education regarding your student loans:
Administrative Wage Garnishment provisions provide for the garnishment of your wages, directly from your employer, without going to court and without your permission.
Also, in the event of non-payment, the Department of Education may decide it is necessary to forward your account to the U.S. Department of Justice to file a civil lawsuit against you.
They’ve passed a law to extend indefinitely the statute of limitations on defaulted student loans, which essentially means you will owe this forever.
Department of Education can add up to 24% in collection fees of your principal and interest.
And, they’ve implemented a program to seize all Federal Tax Refunds and may seize State Tax Refunds in the near future as well.

This is not consumer debt, so the leverage collection agencies have for these student loans is legitimate. BUT ... there are ways you can resolve the account and get some benefits.
Settlements are available where you can do a pay off at a reduced amount if you can do a 1 time lump sum pay off.
Rehabilitation requires you to make an approved payment for 9-10 months, then the account(s) will no longer be in default, cleans up your credit, and the collection and miscellaneous fees get waived. You will have to update a complete financial statement 1st ... just like if you apply for a car or personal loan. You have so justify why you cannot pay it off in full and that you can support a monthly payment plan. The references are used in the event the collector loses contact with you, these will be people who will know how to get a message to you. Your personal account information can not be disclosed.
Want to go back to school and finish your education? Ask about Title IV (Title Four).

Yes ... I am a collector, and I think it's important for all of you to know true information about student loans instead is nonsense opinions that some people post on these walls. Believe it or not, we are trying to help you resolve your account before the account gets forwarded for garnishment or other collection measures.

The choice is yours ... usually voluntary payments are a lot cheaper than 15% of your wages. If we can't reach you, you leave us no other choice.
Here is a link to see the Dept of Education’s contracted agencies, and see who is legit (CTI is 4th from the bottom on the right column):
http://www2.ed.gov/offices/OSFAP/DCS/collection.agencies.html

Call back and ask for ext 3104 if you need more help!

Good luck!

This number keeps coming all times of the day and night I don't know who it is and wish for them to stop calling me.

How do you get these pinheads to correct their records and stop harassing the WRONG PEOPLE!!!???

I called and left you a VM concerning recent activities associated with my debt.  However, this debt is with a Liz White ( I believe that's her name...) Could you please contact me so I may make restitution for my student loans, and ask for instructions in obtaining help with my loan?  I believe the name left on the VM in connection with extension 3104 was "Annie", If this is not you, I would prefer anybody at this point, just as long as SOMEONE responds to me.


Thank you!

DLM