602-904-6160

caller said my name an referred to an account number, and ask that I return there call at 1-866-448-4152.  it was only a recording no live person.

Bill collector, most likely medical

Yep...that's what they are.  When you try and call them to dispute amounts or bills you can't.  The name is Emerald AR Systems, LLC and you cannot find them in the Better Business Bureau.  The URL they give you to contact them is :www.accountcenter.com.  To get anywhere in that site you must give them your phone number, birthdate and/or SS#; however, it won't accept that information and says you have given them wrong info.  
Their physical address for the phone number (866)448-4152 is: 1850 No. Central Ave.; Phoenix, AZ 85004

Here's how to dispute their claim:

Send them this letter VIA certified mail with return receipt requested demanding validation of the alledged debt they are calling about. Be sure and keep copies of everything you send:

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state).

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.

You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA.

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

Received a call from this number this morning......a recorded message says to call another number.  Went too quickly and I wasn't able to jot down the second number.  Have no idea who or what this is.  Don't know anyone in Phoenix.

These people harass you like no other. One day I got 3 calls from the same caller. I'm thinking about changing my telephone number because of them.

I called them back and after I wouldn't give up my personal information voluntarily the rude woman from Emerald AR Systems hung up on me. I proceeded to call them back about ten times, each time they answered I told them I was just tying up their phone like they do mine. Not a happy bunch of people.

I have also received numerous calls from this number stating that they are with Emerald ar, which is always and automated number. However, there is nothing in collecions in my name. Is this a legitamate company?? I can never get through when I return their call, even during business hours. Its just so frustrating that they call all the time but never can you get anywhere when you try to call them back to figure out exactly why they are calling!

If I owe you money, then leave a message -- otherwise, I assume you're an [***] from Portfolio Recovery Services, who is attempting (unsuccessfully) to collect a debt which well past the statute of limitations by more than 8 additional years.. Keep on ringing it.. You'll go broke before I do (again)!!! Now if I could only get these [***] to keep on sending me crap in the mail.. Just a message for the recovery service - verify this!! Ughh!

The owners of this collection agency are in deep trouble. They have two properties in a foreclosure process and the bank which 'supports' them has restricted their accounts.

Pay them nothing, don't even talk to them in a few weeks they will fall under the auctioneers hammer and good riddance to them.

The dude who fronts it is Joshua Gene Jensen. Look him up at 16th Street Suite 140

This outfit is a family operation. They all came from Florida. Their homes have been foreclosed in the past two years. That says a lot about their competency or their over reaching.

Look at 3250 Greenway in Phoenix. It was sold at foreclosure, it was owned by Johnathon C Witt. he and a bunch of other 'Witts' manage the business.

Others who suck the pulp from the unsuspecting  public. Their business adventure in Utah went bankrupt.

Jonathon spent 182,000 for the house and sold at foreclosure for $72,000 dollars. How is that for being competent ??

Look up Audrey Cooper;  Joshua Jensen; Justin Jensen;  Tom Jensen; Johnathon Jensen these are the people who 'manage' the business.

A Melissa  Goddard sued these people and won... they are scum, base gross people who have tried to live the high life and have basically lost their homes, their cars and may be on the verge of losing the business.

Don't talk to them don't contact them. If they contact you...ignore them entirely.

Great research Frank! Thanks!

good research... they call me all the time, they only tell me to call another number,... no one will tell me anything but they want all my personal information!!

I had a great experience with them.  I wish all collection agencies were as understanding and willing to work with people.  I set up automated payments and they never bothered me.  When I read this I looked up the info you wrote.  It is all completely false.  They have never lived in Florida. According to a national news station who did a segment on them they have grown 3 fold in five years and employ a lot of people. I checked the state records and they have never had a claim filed against them. The names you listed are not the correct names.  There is a complaint in Florida that goes by the name Emerald that are exactly like the compnay you are describing.  You should get your facts straight before you defame people. Of course they will call you if you owe money and are the kind of person who does not pay his bills. From your tone I would say you might be an ex employee or a competitor.  What you wrote is against the law.

Bill collector out of Phoenix, likely medical. (866) 299-8383

What if you have judgements against your home for a fraudulent debt, or for a debt served to a made up person?  How do you fight that?

Hey Ben your false and Frank is right. I've been seeing you post this same bs response on every board about Ar emerald so it's obvious you work for them and you and they are losers! Quit being bottom feeders and get real jobs.  Also I would think being in the business you are in you would be good at lying but your post are to easily seen through, no wonder emerald is losing  everything. So please quit your crappy lying posts and let people warn each other about the slimy practices of crappy businesses!

Ben, you're such a fraud and very transparent what a shame you live the life you do.  I to have compiled
research on this Company and Frank's info is right on the money.  It must feel terrible being you and being on the bottom of the food chain.  Now that more and more people are finding out about this Company it's only a matter of time.  Just like a screen door on a submarine,  it will never work!!!

Judith Ann

Thank you for the info:)

Don't contact them???  well, I just went to refi my home and found them on my credit report - for what I have not a clue!  I have never heard from them either by phone or mail.  This is going to prevent me from taking care of what I need to do so I don't lose my home...any ideas?

We got a call from them today.  Since we have relatives in the Phx.area, my husband tried to answer, only to get automated garbage.  He was with his home -health nurse so we didn't deal with it then.  When we did call back to them there was the whole 'hit one for a customer service Rep.'  Since I didn't want to be sent to the Bahamas, I hung up and went on line.  Yes we have tons of medical bills, but we won't be dealing with these bozos.  We'll find all our hospital receipts and talk to those people.