818-906-0120

This is the Law Offices / Collection Agency in Van Nuys, CA...

A lady called me today and said can i spoke to so and so. I said they are not here and asked to leave a message. So they did and i asked what is it regarding and they said that it is  for a collection and that they are a law office and collection agency which is a lie. So i said ok and she said "what do u mean ok? u say ok to collections? u better get it straight that this person owes us, u got it?" and she hung up.

So i found out that they are an aggressive collection agency out of Van Nuys and if u need to u have to make a complaint and have then blocked out. Also, u need to tell them off so they dont do this anymore. I have their address no wand can go there i fi need to in person.

Yes, these people called and left this number 818-906-0120 Ext.109  They said that there would be a summons tomorrow for a lawsuit if they did not hear back by the end of the day.  The guy tried to sound threatening that he is calling from the law office of Atty. Coleb Colcolough.

ILLEGAL DEBT COLLECTION CALLS

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

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/start.html


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

These people have been harrassing me for a year. I am unemployed and live with my parents. These people told me I could go to prison for not paying off my  $7000.00 credit card. They said they will garnish my wages. I told them if they could find a job for me since I'm not having any luck then they can try. I tried to settle with them. They agreed to bring amount down to $5200 and I pay $100.00 a month. I recieved the stipulation. They lied. They put full amount. I refuse to sign this stip and I will go to my court date to tell the judge I have no money.

It was so funny to here a Law Office call me and only address me on my answering machine by my first name only..  So I looked this number up and got this web site.   I have good credit an I pay all my debts on time. I feel this call is fraud but I am eager to call to find out what they think I owe for.. If I call will they get more information out of me?

Thank you finally decent information and mamy helpful links!!

I just got a call from this very number 818-906-0120 . Are they for real? Or is this some scam?

Got a call yesterday. The woman said that her name was Lisa Kay from the Law Offices of Waber Cockwell from 818-906-0120 ex 110 Case # 44xxxx and that I was to call her back. What an odd phone call.

Funny I got a call from a blocked number.  The message was for my husband and gave me the phone number to call back as 818-906-0120 ext 105.  Her name was Yvonne and she was calling from Allied.  Nothing more than that.  Doesn't sound like a Law office to me.  You cannot be criminally charged for debt and no one can garner your wages without taking you to court first.  They must try to serve you papers and follow the letter of the law when doing so.  Don't be threatened.  In these uncertain times everyone is trying anything to make a buck....that's why these companies exist.  When I type in the phone number it comes up with this;

Robert J Colclough Law Offices

7120 Hayvenhurst Ave # 111
Van Nuys, CA
(818) 906-0120

Called for my son who lives in California, allegedly regarding a Case #.

Received several calls from this attorney/collection agency.  I initially contacted them to dispute an entry in my credit report.  They said they would send me proof of debt by certified mail within 14 days, which I gave them a mailing address where I was temporarily staying (recently moved from out of state for work) ... documentation never arrived ... they claim the debt was incurred outside the US, but would not give specific dates or location where debt occurred and kept asking me to provide personal information for them to verify that it is my debt, when I challenged them to read me the information that they have, caller refused to do so.
I disputed with credit reporting bureau but they are still reporting the debt.

This lady, who called herself Anna,"called me from "The Law Offices of Robert Cloclough" and left 818-906-0120. However, caller id said 818-221-4970 which is an extension for 818-221-4900,  They are a collection agency.  Faif Debt Collection law states "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"

All of us who have been harrassed by these people should file a class action suit against them.  Fair Debt Collection Law states "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...."

HMMM....anyone game?

What do I do when I get a court summons from these people that are trying to sue me???

I realize it's too late to help this person, but there is a teaching moment here. Just as government should not cut deals with terrorists, you do not settle with extortionists who claim you owe money. Debt in the USA is *not a criminal matter*. A collector who tells you different is violating your rights, cannot prove you owe, and is begging to be sued.

If you do get pounded with a lopsided settlement or judgment in state or local court, don't expect fair treatment from the plaintiff or even your judge. You don't go crying poverty in court, you go there to beat up the opposition with anything you have which contradicts or fights their claims.

I'll pass. Class actions tend to be showboat affairs which primarily enrich the prosecuting lawyers. Individual FDCPA plaintiffs in a pool are simply not going to have identical claims and will do more potential damage in a "death by a thousand paper cuts" manner.

You find your court rules of procedure and do what it says is needed to make the plaintiff work harder to defeat you. Often that means filing an answer to the complaint and asserting your defenses and counterclaims.

Just to be clear, if you're served a summons the plaintiff is not "trying to sue". They just did! If you're getting the *threat* of a creditor suit, there are many ways the threat may be illegal and/or bogus.

This all assumes you really have been sued or fear that may happen, and are not another collection office shill.

Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Many are simple to exercise if you only learn how. You are granted control of how you are contacted, the right to dispute debt claims, and the means to sue violators at low cost. The FTC and the CFPB can start you on your homework. See also if your state laws grant additional or stronger rights.

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB reiteration of the Fair Debt Collection Practices Act
http://www.consumerfinance.gov/guidance/supervision/manual/fdcpa-narrative/

Please refrain from contact.

Please do not reply to or return call to:

Law Offices of Robert J. Colclough, III
8550 Balboa Blvd., suite 232
Northridge, California 91325

The sent me a letter with a case number, amount of debt and person to contact with phone Number: 818-906-0120

The item in question had been paid for in full and I have a receipt from the retailer. I do not owe anything. My question is how they got my information?