800-430-7345

Same here, called my parents. Anyone know who they are?

They are a collection Agency...First Source Advantage......very aggressive and a lot of complaints about them

Started receiving calls this morning from this number now to after a huge argument with them yesterday.
Here is what I said in a complaint filed yesterday with the FTC and BBB.

01/11/2010 1:05 PM
Received not one but four calls from 862-222-3808 in less then 30 minutes. They are a collection agency BUT I believe them to be using improper and illegal tactics.
First two phone calls no one on the line. They came in at 12:38 and then at 12:40.
Third call at 12:43 was answered and I spoke with "Jerry" who had a VERY thick Indian accent and didn't understand a word I said. I explained that I was laid of several months ago and I'm unemployed. He proceeded to hang up on me.
They then called back AGAIN from the 862-222-3808 to which I let the call go to the answering machine. No message left.
Here's the kicker. They called back AGAIN at 12:48 only this time using the number 916-248-8746 with the name UNAVAILABLE. I answered fining it odd and it was "Jerry's" manager who would not give his name. I explained to him that I am unemployed and could not make a payment with money I do not have. He immediately became angry and demanded "I get a job or use all the money I have coming in and how dare you use a credit card with no intent to pay the balance." Folks. I haven't used this card in over 6months and hadn't been missing payments. The manager called me a liar and said I hadn't made a payment on the card in over a year. I told him that's a lie since I haven't even had the card year. I gave them NO information! I found it amazing to that the card went from a $300 balance when I had it to now it's at a collections agency all the sudden at it's at a $1400.00 balance. NONE of there information matched up and this guy was very angry because I told him I was unemployed. He told me "You need to file bankruptcy then and send me the information on your attorney and case number or send me a payment." He made further threats. I requested a Cease and Desist. He became even more angry and started yelling. I hung up. They've not called back.

Today is the FIRST day I've ever heard from this company. No mail or previous phone calls. They wouldn't provide account numbers or correlating information to what I had and to much DID NOT match up. BEWARE!!!!!!!!!!!! Also the only way I knew their company name is because the first employee "Jerry" and his manager told me. On my caller ID it came up as:
APOSTOLOLOPOULOS
862-222-3808

BEWARE FOLKS!! Shady collection agency for sure!

I have a fairly common name--It's not Jane Smith but there are thousands of people in the country with the same first and last name as me.  Some months ago this company started calling me re: someone who shared my and had defaulted on some debt.  The calls mostly came with a "623" area code, and I made the mistake of trying to show that I was not who they were looking for by responding to their information with my own accurate and contradictory information (some address information, though not complete, a previous city of residence). They just added what I told them to their records--Thankfully I didn't give them much. But I thought I'd cleared it up with a manager after hours on the phone with 3 different people and was told "you're obviously not the right person, we'll remove you from our records".  Now, 3 months later they just started calling again and I have yet to speak with someone who will acknowledge they have the wrong person.
My advice, for what it's worth, don't tell them anything about yourself when they call, whether it's a case of mistaken identity or you're someone who's fallen on hard times with your bills.  If they have some accurate information about you they'll fish to get more.  They'll ask you to verify information--If you tell them it's not right they'll ask you to provide correct info.  Just politely explain you don't give out your personal data over the phone, especially to people you don't know.  Ask for their mailing address, ask for their website--Ask them questions showing you don't know them from a hole in the wall and they need to be more forthright.  It probably won't get you anywhere but there's no reason you should feel you have to stay on the defensive.  
When my situation first started the woman on the phone clearly didn't care whether I was the right person or not--She used coercive language, threatened that my credit was being ruined, implied that she would be contacting my employer (she had no idea where I worked).  They just want to squeeze someone into giving them money and have no scruples about how they treat people.  
Tons of basic info can be found about you through simple online searches, so be cautious.

Whomever these people are, they are total scammers. I have on my checks and in the phone book only my first initial with my last name (helps to prevent against identity theft - if your checks get stolen, the thief won't know if you sign with your initial or first name) and as a result, this company keeps calling for somebody named Toby (with the same last name as mine). Today they called four times. First time I picked up and hung up immediately. They called right back, and got my answering machine (my message specifically states my husband's and my first names, neither of which is Toby) and they hung up when the machine came on. They again called back right away, this time I picked up, pushed a bunch of buttons, and hung up. Again they called back (yes, 4 calls within about one minute) and this time they started to leave a message for Toby. I picked up, said there was no one here by that name and to stop calling me, and hung up.

These people are insane. They call repeatedly, initially it was for a Timothy, now it's for a Toby; always a guy with an Indian accent. When I answered once when they were calling for "Timothy" (also with my last name) the guy got really aggressive with me. He demanded to know who he was speaking to, so I asked him whom I was speaking to. This made him very angry and he refused to answer, and demanded to know who I was. I told him there was no way I was telling him anything, especially without knowing who he was, and he hung up on me. They are nothing but scam artists (I use the term "artist" extremely loosely) trying to get information and (I'm assuming) eventually money out of you. Don't tell them anything!!!

This number has been calling me for the past couple of months.  Always a guy with a thick indian accent.  Keeps asking for some-one named Darlene with the same last name as mine.  I have told him every time no one by that name lives here and he continues to call everyday.  I told him I was going to report him for harassment and he told me he was deleting my number.  Well needless to say the calls are still continuing starting at 8 am evey morning.

This number has been calling me for the past couple of months.  Always a guy with a thick indian accent.  Keeps asking for some-one named Darlene with the same last name as mine.  I have told him every time no one by that name lives here and he continues to call everyday.  I told him I was going to report him for harassment and he told me he was deleting my number.  Well needless to say the calls are still continuing starting at 8 am evey morning

THey call repeatedly every morning..2 or 3 times within minutes of each other. How do they get our 3"s..they are all speaking with heavy indian accents..and they give u no information when you ask. Being on a do not call registry isn't working..Have no clue who and what they are..If they are a collection agency they surely are a scam.

I started receiving phone calls from 1 800 430-7345, the voice was definetely foreign and he started talking and my response was that I had a stroke and I receive no income except from Social Security Disability, and all of my Social Security Disability and I have to pay that to a State of Arizona Company which takes all of your social security disability and leaves me with $101.00 a month. BUT they pay for the adult care home which I live in which provides me with 24 hour licensed caregiver, all meals, they also pay for all of my medications which exceed $2,500.00 a month. When I told him I had $101.00 a month to buy my necessities like shaving supplies, clothes, any soda or snacks and also had to pay my life insurance which is $56.75 a month, he told me that I would have to give them at least $25.00 a month on my $101.00 a month income. I could not get a word in edgewise as he kept talking for at least 15 minutes, and when the manager of the home took the phone from me, she told him that I was very sick and per doctors orders I was not suppose to get upset because of my heart and she hung up on them. The next day the phone rang at just after 8:00am my time...They are aware of all laws as to when they can call and what they can say, but the manner in which they talk is very rude and forceable. I now am on my 3rd day of them calling and I hang up but now I am starting to proceed with all of our rights, which even though we owe money to credit card companies for UNSECURED LOANS, we still have rights.My advice to anyone calling you from this company is to file online a complaint to the FTC, Better Business Bureau and when you go into your computer there is a site when you type in (credit card harrasment) you will see you can file a complaint with a PDF form you can fill out online and sent to the Federal Trade Commission. My suggestion is to KEEP all records of times called, ask for their names and tell them immediately if you dont supply me with this information I will not talk to you. Also ask them for their companies license number and ask for a itemized statement of all charges sent to you. (they have your name and address anyway). SAY NOTHING else until you get their information so you know you are dealing with a certified debt collector. Then tell them you will be waiting for their reply and you will be happy to discuss the matter with them after you receive it. GOOD LUCK and DO NOT let them scare you with any of their tactics as they are very well trained and what they can and cannot say. Also tell them that you also are recording all phone calls and of course you have that right, they dont like to hear that....We as Americans and Citizens of the USA should not have to put up with the harrassment.

They just called me, and I don't know these people from a hole in the ground. Once on a cell, then twice in a minute from the number above. I do know they are also using personal cell phones though. here's one of the numbers.

586-838-2481

From the research I did they are calling me in my area from Michigan, calling from either Detroit or Southfield.

REPORT THEM TO THE NY ATTORNEY GENERAL  use this SPECIAL Link  www.NYDebtHelp.com

as well as your own attorney general
Link to all State Attorney General Websites www.naag.org


http://www.consumerjustice.com/consumer/agencydetail.aspx?id=5600
First Source Advantage, LLC  
205 Bryant Woods South
Amherst, New York, 14228

Albert.Dellamea@firstsource.com
www.firstsourceadvantage.com


--------------------------------------------------------------------------------
Phone No.  800-741-8860 888-809-9107 888-741-8896 866-276-8306 716-564-4400 888-737-4871 888-872-1566 716-564-4905 716-564-4905 866-276-8306 INDIA  
Fax 716-564-4440 www.accountsolutionsgroup.com 

  Albert L. DellaMea, President Lance L. DellaMea, Sr VP
 
 

Notes
Junk debt collectors & bottom feeders.  

Aliases Other Locations  
Mumbai, India  



1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

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

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

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


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




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There’s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors — or if you dispute the legitimacy of a debt — a debt collector may contact you.

“Time-barred” debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General’s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a “debt collector” generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt — or any debt for that matter — can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don’t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you’ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you’ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again — except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn’t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney’s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works 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 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. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. 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.
October 2004

Just received a call from this asshat, trying to find information about my predecessor (at work). I don't know the guy, but it's not my business. They've been told 'he doesn't work here' multiple times, and have been told not to call. Filing a complaint with the FTC right now.

First Source Advantage - a real scumbag debt collection agency.  Here is a list of known numbers you should block/ignore.

248-556-3023
631-869-4431
716-213-0294
716-213-4578
716-564-4349
716-564-4400
716-564-4905
800-430-7345
800-736-2107
800-741-8860
805-256-7329
862-222-3808
866-276-8306
866-505-5987
866-798-7783
877-541-5741
888-274-6488
888-282-1932
888-737-4871
888-741-8896
888-809-9107
888-872-1566
903-206-4876

They call my cell at least once a week, at first i answered their call. They are looking for someone
i don't even know. So now when they call i just open and close my phone.

Congress has passed the Fair Dept Collection Practices Act (FDCPA) you can sue Dept collectors for violating your rights.  to get rid of them send them a letter i.e.

You do not have to deal with anyone other than the company you have the dept with.

google FDCPA


Your Name and address

Firstsource Advantage, Inc
205 Bryant Woods South.
Amhearst, NY 14228
800-430-7345

RE: your account 17xxxxx

January 06, 2011

To Whom it may concern;

This letter shall serve as Notification (according to FDCPA) that I dispute this debt.

Further more I am advising you per FDCPA rules that I want no further calls or any other form of contact from your company regarding (Capitalone, BOA, etc.)

Sicerely,

your name

OK here is a number that will help, comes from North Tonawa NY 716-564-4905 This is there US Numer I work for state Att office.

I am SERIOUSLY getting furious at these people.  They call our home MULTIPLE times a day and there is NEVER anyone on the other line!   They have been calling for a few months now.  They start calling early in the morning and wake us up and they keep calling right through the evening hours.   I am reporting them to the FTC right now!  This is completely ridiculous!

Just got a call from these jokers, I answered and immediately hung up as usual. They called right back seconds later. I answered and said I'm not interested, F*** you. and hung up. I figured whatever anyone is calling me from an 800# about I'm not interested. If I was interested, I'd call them.

They called and I hung up them 6 more times in the next minute.

Well this man just called my Mom and is stating that she owes this old bill from 2004-2005 and stating they are a collecting agency but the funny thing is, she never has gotten one piece of mail from these people trying to collect on a bill this old.  They just kept insisting that she give them her a checking account number or a check so they could process this for her and drop her bill from like $500 to $300.  So from what I am reading it appears these people are scam artist and it is all made up.  I am hoping they don't bother to call again because I will block them from my phone.

they keep calling my cell phone