407-219-9562

received a call from this number. called back and they asked if I knew nicholas defante Jr. when I said no, they said they would remove my number.

Some called me from this number 2 nights ago & identified himself as being from the Osceola County Sheriff's Dept.  How are they allowed to mis represent the Sheriff's Dept.  should this not be punishable?  No name was given.  They were not even calling to us but someone that we knew just now their where abouts.

This man is a debt collector/repo guy.  Obviously people give him incorrect numbers.  Go figure.  He said he removed my number, but told me next time I shouldn't be so grumpy. Apparently I should be happy to get these annoying recordings.

this guy harrassed me and he sounds like he is insecure

Haha this guy is no repo guy, he is a scum of the earth bill collector buying debts for pennies that are past the statute of limitations.  They use scare tactics to try and collect and most are illegal. Report them immediately. Most of the time you end up having the deadbeats phone number they changed years back. I like to screw with these [***] who hide behind spoofed phone numbers and act like they are tough. [***] them.  They can't do [***] even if you owe so don't worry tell em where to go.

Looks like this debt buyer just bought some debt he can never collect. I owe thousnads but am now on SSD/SSI and no debt can be collected from my govt money. So feel good knowing this clown just threw his money away. Scummy people who do this kind of job deserve it.

I like it when they start with the  court action and spend even more of their money trying to get me. Disability is a great thing in some cases. Then they find out their court order is useless of course I could win the lottery and they will collect. BWHAHAHAHHAAA

I feel bad because I can't pay the debt I incurred. Although it's a result of a disability it still bothers me. Instead of letting a bank know that I can't pay I wait for them to discharge it to one of these debt collectors. I figure this way they at least get some money back for the debt and it ends up screwing these scumbag debt collectors who choose a living off of other peoples misfortune.  I laugh when I think of the initial purchase of my debt along with the time and money they waste trying to collect. They deserve it.

When I go before the judge and he asks me why I did not answer the debt collectors call I am always able to respond with.......Here is a screen capture of the debt collectors number from a Google search I saw all the negative harassment info and decided it was either a scammer or they were abusive and was not going to have either one done on me. So all their pressure and harassment serves as a great excuse for others when asked why you did not answer.

This number, listed as ITN, is driving me crazy!   I have NO DEBT, the last person who called stated he hoped I wasn't avoiding an issue with them.  They call at least once a day, I should ignore it, but they leave messages and I KEEP HOPING they will honor my request to remove my number.  They are abusive and rude.

i just got a phone call from this number 1-407-219-9562 dont know how they got both my cell number and my home number they call me twice from this phone and from anlother phone number which is 1-888-850-4127..

Likes to call names, threaten and harass people

My daughter-in-law just received a call from 407-219-9562. The man on the phone stated he was looking for my son regarding a law suit. The company is P.N. Credit Services. Their main office is located in Massachusetts, with other offices in Orlando, Fl. The 407 Area Code with 219 is out of Orlando. The company is a debt buying company that recently bought a large portfolio of City Bank Debts that were charged off and outlawed by the Statute of Limitations, which is now 5 years from the date of last transaction. The male caller failed to identify himself or state he was a debt collector and that the call was an attempt to collect a debt and that any information obtained would be used for that purpose as required under the (Federal Statute) Consumer Credit Protection Act, Public Law 95-109, commonly known as the Fair Debt Collection Practices Act. (FDCPA) 15 USC 1692g, pp 809, Communication in Connection with Debt Collection. By stating the call was regarding a lawsuit the caller violated Section 15 USC 1692e False or Misleading Representations. (A debt collector is barred from using the term "lawsuit' in any form unless the debt collector is a licensed attorney) The debt collectors call to a third party (my daughter-in-law)  violated 15 USC 1692c, Section 805, paragraph (c) Communication With Third Parties. The debt collector's call also violated the Illinois Collection Agency Act in that their call was placed to a person residing within the State of Illinois. Some debt buying companies feel that since they bought the debt they are now the legal owner of the debt and as such are not bound by the FDCPA as a third party collection agent would be. However, the Federal Court has ruled that debt buying companies are in fact required to comply with the FDCPA.

In response to the debt collector's call I placed a call to the company. Upon speaking with the collector I identified myself as my sons attorney, and inquired as to what the call involved. The "collector" panicked and refused to provide any information. At that point I informed the "collector" of the numerous violations of the FDCPA and Illinois Act committed when he placed the call to my daughter-in-law and chose to inform her that the call was regarding a lawsuit. The collection agent terminated the call by hanging up without any further comment.

In the State of Illinois a debt buying company has absolutely no leverage to pursue litigation through their attorney in any Stqate or County Court. The only way they can obtain a judgement against the consumer is if a lawsuit is filed through their attorney, the consumer is served with a Summons and Complaint personally or through substitute service on a resident of the debtor's household 13 years of age or older. and then the consumer or consumer's attorney fails to appear in Court upon which a default judgment could be entered against the consumer by the Court. If the consumer or consumer's attorney appears and makes a Discovery Demand for the debt buying company to produce a copy of each and every signed charge ticket, a copy of the original contract with the original creditor, a handwriting expert to verify the consumers signature on each charge ticket, an employee of the original creditor's credit department to testify as to the Assignment, amount of compensation (usually pennies on the dollor), the Assignment Affidavit to the debt buying company, and the person or credit manager who is/was employed by the company who took the original credit application, who would then be required to identify the consumer as being the exact person who completed the original credit application and submitted it to her/him. In Illinois without the above mentioned items the debt buying company has no chance of obtaining a judgment against the alleged consumer. We all know the debt buying company is never going to be able to comply with the Discovery Demands, and, even if they could the most they can expect to obtain a judgment for would be the amoun they paid to buy the debt, plus costs, (and attorney fees if the orginal contract provided for attorney fees in the event of litigation to enforce payment of the debt)

Your answer is, the debt collector was in violation of Federal Statute if/when he identified himself as being from the Osceola County Sheriff's Department. Public Law 95-109 (FDCPA) 15 USC 1692e section 807 False of Misleading Representations. You should report the call to the Sheriff's Department.

This guy called us tonight and was looking for a lady I never heard of.

I bet your credit looks lovely.

This company has been calling making threatening phone calls to me and my family members saying that I owe a debt and that they are a repo company. They called my elderly aunt stating that they would have her put in jail as well as myself for this debt. I knew little of the debt they were speaking of so I told them that I would pay it. The continued to call before the day I said I would pay asking for my credit card number. The very next day I contact to actual debtor and asked the amount owed...it was not what 4072199562 confirmed. I asked if they have ever heard of the company and the corporate manager stated no! I then decided to investigate this company and..yes, they are a fraud! The buy old debts and try to get money by threatening families with legal action (arrest) the are VERY rude and will call up to 20 times a day. I have contacted my local police department and they came out to do a police report. I showed the cops all the bad press about this number. Also while the police was here they attempted to research the company address which shows that it is a PO Box. They advised me to call the Attorney General as well as Florida's Illegal Collections Act Department.

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action

Also read up on the laws and your rights:

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

And see:

https://800notes.com/forum/ta-86217073a9c8dad ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
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A Collection Agent May Not…

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer’s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.