800-761-0563

Didn't answer - left no message. *shrug*

No sound at all when I answered, nothing!

From Progressive Financial Services, a collections agency. Check out www.progressivefinancial.com

trying to collect on student loan....

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/forum2/index.php
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

The people call this number 1-800-761-0563 are very unprofessional in their field and need to be trained. They do not know the law.

Called to my cell few times , I did not ansewr and  they did not leave a message.
I have no debit and wondering why they are calling!!
Annoying!!!

This # call to my cell 1-3times a week ,  but never leave a message.
(I just googled and found 800 note.com and knew this is debt collector).
I have no debt. Must call wrong #!
I don't answer  this kind of annoying call.

i recieved a message from 800-761-0863 extension 1062 asking me to call them back regarding some debt they wished to collect

Received a call from 800-76-0563.  Only info they gave was name  "Progressive".  They wanted last 4 digits of Social Security #.  I refused to give it and they would not give any info about who they were or what they were calling about.  I hung up.  I do not have any outstanding debts.

They started out sending mail for someone who doesn't live here, mail returned w/ a note telling them that.  Now they just keep calling and leaving half audible messages for her to call them.  you know "if you aren't, hang up now-if you continue to listen this message you agree you are?"   How does an answering machine hang up now?

Hello,
We keep getting a call from this number regarding someone we have no contact with.  The person I spoke to this morning name was Darla.  I told her the wrong number when she asked for the person and she was very persistent and kept asking information.  I think it is rude once you tell the person wrong number or I don't know them and they keep askind questions.

A lady called me at work. She keep asked me how much i make, how often I got pay. She was so rude. Nowaday I don't who to trust anymore.

Goes to a voice mail box for their return call.  Multiple calls received from this number for some unknown person.

do not call this number again 8035133946... i have copied and pasted to my word document.. will contact the number for the no call list...know how to answer a phone... do not ask for someone ss# ... i do not know you and that is a big NO
SMetts 02132012

Got a call at work (I am co-owner of the business) when I wasn't in from a Lisa, saying she was from "Progressive", calling about a "business matter".  She left her number, 800-761-0563, ext. 4200, asking that I call her as soon as possible.  Since I have Progressive Insurance, I thought she was from there and called her back only to find out that it is, in fact, "Progressive Financial Services",  a collection agency.  She asked for my date of birth and last 4 digits of my SS#, then said that, except for the name being the same, the rest of information I gave did not match the info in their records and that, somehow, my business phone number has gotten into this other person's file.  She apologized for the call and said she would correct the information.  Hopefully, that will be the case.  We'll see. Anyway, the whole thing got me concerned about my identity information being mixed up with someone else's, which led me to an internet search on this place,. which led me here.  I have found enough info to believe the business is legit and have checked my credit report to make sure nothing has shown up there.....nothing yet.  I'll keep my fingers crossed that the whole thing gets straightened out with no further problems.

Receive calls daily sometimes multiple times daily from this number. When you pick up no one answers. Please do not call.

Got a call from "Kerry Johnson" of "Progressive [something inaudible]"; her callback number was 800-761-0563.  Debt collector.  She had my first & last name, and was calling about a debt.  My last name is relatively unusual, but there are maybe a dozen other people in the USA with the same first/last name as me [different middle initials, and one is a "junior"].  I checked my credit report again today, using one of those 3 free chances/year, and have no overdue debts or any identity theft/unusual financial issues going on.  I'm guessing one of my "namesakes" has a debt problem, and this "Progressive" company is calling ANYONE with the same name.  I had calls in the past where these "debt collectors" were just keying on my unusual last name.  In the past, I've gone through the BBB to get these debt collectors to stop calling, but that's too much trouble.  Now, I just use call blocking/selective call rejection.

get voice mails on my cell from this idiotic firm that i have to pay for. they are looking for elden, eldon, elvin smith? they are calling in error and ive called them back repeatedly to report this. i just emailed the idiots to report the error again. hopefully they will stop calling. hell... if i can find dozens of matches using radaris.com , how much easier would it be for them considering they have his social security number no doubt?

Calling about a large sum of money owed for student loans. Which the numbers dont match. Been paying for years on my student loan. This is a scam dont call or give information.  I will be reporting this number to the FBI.