678-228-3431

Receive a phone call from 678-228-3431, it's a collection agency FOCUS RECEIVABLE MANAGEMENT. THEY NOT LEAVE A MESSAGE.

I owe them money....it's a collection agency

Stop calling Me.

Caller says:  Officer Vito, my direct line is 866-244-2312.  I'd like to meet officer vito because everytime i call back, all i get is an answering machine with kids and people shouting and screaming in the background.  Calls at least 3 to 4 times a day, from that same number with different people calling.  Isn't impersonating a police officer a crime?  Left message calling himself Officer Vito twice on my voicemail.  We will be turning this over to our attorney.

Pretty bad when your spouse gets sick on the verge of death, you get behind on your bills, you lose everything you have and you get some POS calling every day harassing you.  To the idiot responsible for these calls, I hope your reading this.

Go to the FTC's website https://www.ftccomplaintassistant.gov/ and file a complaint against this collector and her employer for violation of Section 807 of the FDCPA:

§ 807.  False or misleading representations  [15 USC 1962e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

http://www.creditinfocenter.com/legal/FDCPA.shtml#807

Focus Receivables they call about 10 times a day. I finally answered what a big mistake that was. I know i owe some money but with this economy the way it is its a wonder any of us can pay our bills. But like I was told from Jeremy a collector from this firm " i dont owe him nothing just my creditor" so I said then stop calling me and i will deal with the creditor.

678-228-3431

From a Google Search on FOCUS RECEIVABLES IN GEORGIA:

Just another debt collector thug posing as a law enforcement officer -- typical (and illegal) ploy.  You can report this to all the following law enforcement agencies:

1) Your local police

2) Your state's attorney general, the contact information for whom is at www.naag org

3) The Federal Trade Commission at https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01and

4) The Georgia Governor's Office of Consumer Affairs at http://consumer.georgia.gov/00/channel_title/0,2094,5426814_39102589,00.html

Check out these websites for more information on protecting yourself from shady debt collectors and, if need be, suing them:

http://www.naca.net/debt-collection-abuse/
http://www.budhibbs.com/First.htm
http://attorneysforconsumers.com/
http://www.fairdebtlawyers.com/
http://www.myfairdebt.com/
http://www.consumercounselgroup.com/
http://www.westcoastlitigation.com/
http://www.theadvocateslaw.com/
http://www.creditlawnetwork.com/
http://www.collectionstopper.com/

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Go to the FTC's website https://www.ftccomplaintassistant.gov/ and file a complaint against this collector and her employer for violation of Section 807 of the FDCPA:

§ 807.  False or misleading representations  [15 USC 1962e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

http://www.creditinfocenter.com/legal/FDCPA.shtml#807

Focus Receivables - They are RUDE! 678-228-3431. They are in Georgia.


Go to the FTC's website https://www.ftccomplaintassistant.gov/ and file a complaint against this collector and her employer for violation of Section 807 of the FDCPA:

§ 807.  False or misleading representations  [15 USC 1962e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

http://www.creditinfocenter.com/legal/FDCPA.shtml#807

678-228-3431


http://forum.creditcourt.com/discus/messages/ ... nt-pub-8181.doc


See the above web site - FOCUS RECEIVABLES

ALSO GO TO www.budhibbs.com
This is a CONSUMER ADVOCATE WEBSITE THAT EXPOSES FDCPA VIOLATORS

Click on Watchlist and report them so they can be posted on this website.

ITS EXTREMELY IMPORTANT -to add this company to this website.

Focus Receivables from Georgia. Collection Agency. Bottom Feeders.
678-228-3431. They try and collect debt not due and owing from other collection agencies. Call constantly even when advised not to call and the debt is not owing.

Contact Georgia's Governor's Office of Consumer Affairs at http://consumer.georgia.gov/00/channel_title/0,2094,5426814_39102589,00.html

They call and call and looking for someone not at this number. They try to intimidate and say they will call everyday.

Focus Receivables. They are in Jonesboro, GA 678-228-3431

I also recommend that you contact the attorney general in your own state. You can obtain information on how to do so by googling [ "your state" attorney general]

It never hurts to tell them that unless they identify themselves you will file a complaint against them for violation of the federal fair debt collection practices act, and then, after they refuse, or try to give you another lie or another demand that you identify yourself first,. then you simply say, "OK, I demanded that you identify yourself, you have refused. I am going to file a complaint with the Ohio Attorney General for telephone harassment and for violoation of the fair debt collection practices act. Goodbye"
and hang up. then, of course, you file the complaints with Ohio and your own state's attorney general.
Finally, if you know who they are collecting for, then you can contact their client, the creditor, directly, and tell them that their agent is harassing you, lying to you, and violating the fair debt collection act, and demand that they instruct their agent to immediately apologize to you in writing and conform their actions to the law, and demand that they also apologize and confirm that they have so instructed the collection agency to do so, also in writing to you. You can also remind them that the collection agency is just exactly that: their agent and their actions are imputed to their principal, namely them. Advise them that if they don't, you will be filing a complaint against them with your state and their state's (if a different state) attorney generals.