716-684-9616

received a call from National Credit Works?  anyone heard of them?  they left a message and I am unable to locate any additional information on them.  Not Sure if legit.

They are as*****

Some guy named Mr Dunn called me for a 250 debt, and somehow i all of a sudden owe over 1000?  I offered to pay the 250, I had changed banks during a time I had something taken out of my account for an auto bill pay and forgot about the bill - then I cancelled the service anyway and figured it was done and over with.  A YEAR later - actually over a year - I get this call and I tell the guy to leave me alone, (i have no money anyway and just lost my home, car, everything I have) and that I had no money but I would find the 250.  He said no so I told him goodbye.  He called and left a threatening message which I saved and now he called also to tell me that he is filing with the courts.  For a 250 bill?  He's gonna make me really think he is going to spend more to file then to collect?  

That's ok, they can't find me anyway.  I have moved and the new place isnt in my name and I changed my # after his 4th call from an unknown number so...

i got a call from this number 716 684-9616, The guy said he was calling from Harris County and I had a court date I missed..Isn't Harris county 9713)..has anyone else received calls like mine?

ILLEGAL DEBT COLLECTOR LOCATED IN NY - REPORT THEM TO THE NY ATTORNEY GENERAL ASAP. 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!

Make sure you include the fact they claimed to be with Harris County  


check your Secretary of State website - if not LICENSED in your state - there is nothing they can do.  Report them as well to your OWN state Attorney General

Record calls where LEGAL - do not let them SCAM you


read the info below on how to USE THE LAWS they are BREAKING to PROTECT YOURSELF!  

Links below to attorneys - many will work on contingency

National Credit Works, Inc.  
3719 Union Road
Tonawanda, New York, 14225
--------------------------------------------------------------------------------
Phone No.  866-618-5731 716-684-8183 716-837-2542  
Fax 716-684-8185  

Gregory G. Emminger, CEO

No license or bond found. Complaints of FDCPA violations. BBB rating -F-. Serail FDCPA violators, threaten legal actions. Many lawsuits, they are DEAD BEATS who don't pay their judgments. They tell consumers the following: charging me with Anticipatory Breach of a Legal and Binding Unilateral Contract and Fraud with Maliciousintent to defraud a Financial Institute. (Good chance they don't drug test anyone there.)



THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

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

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

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

They asked to speak to someone I had just had conversation with earlier. Is that an ease dropping on my line.

Have called repeatedly, for close to a year now, threatening to file suit for an old payday loan. I had prevously made payment arrangements with them, but they refused to provide written acceptance of the settlement offer that the caller verbally accepted, or any kind of receipt for monies paid toward the debt. Prevously, they had called their organization "The law offices of Scott B. Wheat, LLC", which I believe was an tactic to falsely represent themeselves as attorneys. I demanded proof that they were licensed to collect in my state, as well as proof of bonding, which they also have yet to provide.

I have never heard of this company nor was I ever notified in writing regarding and case.

They often call me before 8:00 AM and after 8:00 PM. Some have been as early as 5:00 AM. I have filed numerous complaints with the National Do not Call Registry. Unfortunately, I live in PA and our AG was just elected Governor.

Who is using this number and why do they claim to have a court case pending for a 360.00 debt. They only want the payment secured by going to walmart and sending them a money order.  Are they legitimate or is this some kind of fraud ?

I just got a call from an Investigator Smith from national Credit Works threatening to file a suit against me for an outstanding debt.  He was rude, belligerent and quite scary.

What can I do about this?

I also got a call from this "investigator Smith" he claimed he was filing a civil case against me which included a claim against me for fraud. On a second note, i also have been getting calls from a person named Otis Riley who stated they serve papers for civil cases in my town. The courthouse he mentioned he was from, and where the case was filed does not even process Civil Cases. They not only act like attorneys, but they impersonate court officials. I have also had a call from someone names Miss Elms, who will leave a harsh message, "im leaving this message, and you can call me back by tomorrow, but you probably dont care because you havent called back my colleagues for a month".

I wouldnt worry too much about it to be honest with you, because they have been saying how they are on the way to my house, and i have been waiting 2-3 weeks with no one at my door. Yes the messages they leave continue to get more and more legal as time goes on, but all im waiting for is for these morons to sue me, and im filing a general denial and keeping all my ammo i have against them.

Its one thing to debt collect, but impersonation, and threatening is another story.

Ignore them. I also received a call from Anthony Smith that also stated he was charging me with uttering a bad check accress state lines. If I did not pay them (a debt I do not owe) they would be serving me in the next afternoon. I explained to him that I was a Law Enforcement Officer and was not easily intimidated. I said if he can not send me a validation letter and or proof of being licensed to collect in my state, he can Kiss My U know what? Then I called hima few other choice words and that he was a $ 5.00 an hour punk... and he hung up. I have not heard from them since. I did file a complaint with their NY state attorneys generals office.
It is a big scam. Place a caller reject block on their number to your phone.
Hope that helps

Yes the number i recieved a call from was 716-200-4705 he stated it was a matter of keeping me out of court in harris county. FRAUD they also had quit a bit of my information.

They are NOT a licensed collection company in the state of Colorado and break every law in the book. If they call you, call the Attonery General in your state and see if they are licensed, If they are not, they cannot collect!

I received a blocked number call about 9:15pm and didnt pick it up.  When I checked the message they said court filing scheduled for 1/21/11 in Providence county, with a case number.  When i called back just got a recording.  But I am going through a child support battle right now and they are looking for the father.  So they told me that they will call me when they arrest him to go to court.  Well here I am thinking I got to call out of work because Im thinking its for child support.  I would have been pissed if I would have missed a day.  Thank god for the internet.  What should I do now?  I live in RI.

I have received numerous calls each time from a different person claiming to be an Officer Smith and are filing an action against me for a debt owed. I called the number they gave four times over a week and always got voice mail during business hours but voice mail is full and cannot leave a message. I finally got through and everytime i tried to explain i am NOT the person they are trying to reach, they have a wrong telephone number or wrong name, he refused to listen and kept talking over me with a threatening tone indicating they deal with people like me all the time and I have to prove to them I am not the right person. They claimed to have filed a lien against my property.  The awful part is they have my address and credit information yet I am not the person they are trying to reach. He hung up on me and said I would be arrested. An hour later I got a call from someone with an Indian accent saying they 'comin get me to 'rest me, pay now' from the same place. Freaks of nature. I now have to file a complaint of fraud, intimidation, and lying. They have stolen my credit info.

I didn't receive any communication from this company but my brother did.  He received two very nasty voice mail's stating they were looking for me, threatening court, and going so far as to leave the court case number.  I have sent a letter to them demanding they cease any communication and advising by using illegal tactics they have negated any bill I may owe.  I also filed a complaint with the FTC and my state AG.

i recieved a few calls from an Otis rieley on my cell he always calls me private he leaves a voice mail saying he has legal documents that he is trying to get to me and that they have tried my home address which is really my parents address someone is always at my parents house and they said no one has ever come by looking for me. on the voice mail he gives out all kinds of number that i guess is suppose to be case numbers or document numbers,then he leaves a number to a company called acs. and today i recieved a call from a thomas roper saying they went by my parents address and no one was there and that my court date will pass and judgement will be placed against me again they called private, and left a number for the same company acs. has any one gotten a call from a  thomas roper

713 is Harris County.  I live in Montgomery County, right next to Harris, and I just got a call from his exact number... did you ever find out if that was legit??

NCW said they were calling about a criminal issue.  The were actually calling about an old payday loan.  The agent... "Investigator Ferguson", claimed to be sending over someone to arrest me immediately.  I contacted an attorney, who told me they were making illegal threats.  I have filed a complaint with the AG office in Texas.