513-878-4961

Calls every half hour or less all day.  Especially around dinner time, first thing in the morning and late at night.

Receive calls and emails advising card will be cancelled.  This is a company phone not a personal phone.  If the previous employee gave the number we can't help that.

Genpact Services. A collection agency that Lowes uses.

Thank you Ricky for that helpful information.  Here's some information you may find helpful.

OK Guys, PLEASE Read This!!!

Debt Collectors - Genpact Services, do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

If you have questions regarding Credit cards, you need to read the law Fair Credit Billing Act.  ftc.gov is where both laws can be found, or google them.

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.
The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them.  Or simply tell them not to call you again, as you are exercising your rights and putting them on notice, per the Fair Debt Collection Practices Act Laws.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!

In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If you have a Lowe's Credit card, they are not in violation of the do not registry.  However, they are not supposed to call before 8 am or after 9 pm, or on weekends, but they do anyway.

You do have the right to send a written request they not call you.  Verbal is not good enough.  If they continue to call, you can file a federal Lawsuit for $1,000.00 each violation.  Document each phone call, day, date, time, and message if any.

Here is a letter I send Certified mail to put the companies on notice! I hope this helps some of you.

Certified Mail#: XXXX XXXX XXXX XXXX XXXX

To
Address
City, State, Zip code

date

RE:  Account #  
Amount

Dear  :

Your representatives have been trying to contact me, however, I only do business of this nature via mail.  Therefore, I am requesting again that you cease and desist from calling me.  Please remove the phone numbers XXX-XXX-XXXX and XXX XXX XXXX.  The calls constitute harassment at this point, which is causing a major disruption in both my business and personal life as well as being an invasion of my privacy, which I will not tolerate.

If you continue to contact me, I may file a complaint with the Attorney General.  The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing to cease all phone communication.  Please comply with federal law or a complaint will be filed.

If you have any questions, please contact me at the below mailing location.

Sincerely,



_________________________________
Your name
address
City, State, Zip


I am not an Attorney, nor am I a paralegal.  I am just an educated US Citizen on Consumer Protection Laws.  Hope this letter helps some of you, as well as my posted information above on Debt Collectors/Collection Agencies.

They called twice today, I answered the 2nd time & they asked for someone I have NEVER heard of. I politely told them I didn't know the person & that they had the wrong #. It will be interesting to see how long that info filters down & actually gets my # deleted from their list. (I outta start a pool ... lol ...).

I have a question for the "well informed".
Which State do you sue them in: where you live or OH where they're calling from?

Since they have to sue you in your state, which means they'd have to come to you.  You can sue in your own state.  But the BEST way to get them is a FEDERAL Court Lawsuit, as it comes under FEderal Laws.  You can file in your local Federal Court.  You may have to pay extra fees to have them served.  Ask your Court Clerk how serving them works.  Any documents you yourself serve/send ALWAYS use Certified Mail!!!  They can't dispute received/sent Legal Documents if you can prove with the green card you receive back, with a signature and date - they didn't receive!

Eventually the person the no. is calling will get a Demand / Statement letter.  Here is a letter I sent last week, which by FEderal Laws should cease all phone calls, and future contact.  Even if you get a letter from an Attorney with a FIRM NOT in your resident state - you can send them this same letter.  There's a couple Debt Collector Attorneys that are real pains.  But again, if they are NOT in your resident state send them this letter.  If the Attorney's are in your resident state, I can still help you, just reply to my post.   Again I am not an Attorney or have I had paralegal training, but I have fought 2 lawsuits against Debt Collector attorney's on my own.  If you get sued with a Summon's Complaint I can help you also!!!!


Regular Mail & Certified Mail #:  XXXX XXXX XXXX XXXX XXXX

TO
ADDRESS
CITY, STATE, ZIP

DATE

RE: Account #’s:  

Amount in Dispute:  

To Whom This May Concern:

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice, shall result in a complaint filed and submitted to the Federal Trade Commission, and possible legal remedies in appropriate United States Courts.

Your representatives have also been trying to contact me,  however, I only do business of this nature via mail. Therefore, I am requesting again, that you cease and desist from calling me or contacting us in any way.   Please remove the phone numbers XXX XXX-XXXX. The calls constitute harassment at this point, which is causing a major disruption, in both my business and personal life as well as, being an invasion of my privacy, which I will not tolerate.

The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing, to cease all phone communication.  If you continue to contact me, I will file a complaint with the Attorney General, FTC, BBB and FCC, as well as refer to our Legal Dept. for further remedies per our Federal/State rights.

Complaints have already been filed with our Attorney General and FTC for Federal and State Law violations, including but not limited to, multiple calls per day and calls received on weekends and holidays, as well as other violations documented.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right, to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond as a result of (GE Money Bank’s) default.

Sincerely,

______________________________
YOUR NAME
ADDRESS
CITY, STATE, ZIP

Good Luck ALL!!!

Calling here on a SUNDAY morning 4 times within the hour between 8AM and 9AM. Really, this is pretty frickin' ridiculous! And it's not even a person, it's a recording "Please hold briefly; all of our operators are currently busy with other calls." WTF!? I didn't call YOU, you called ME. I'm not gonna sit on hold to hear your recording. And "Hellloooooooo, hellooooo" isn't a proper message either! Lame.
Caller ID says GENPACT