850-769-0165

I've been getting calls from this number for weeks. Finally did a search and found the owner. It's "PROTOCOL RECOVERY SERVICE" - bill collection agency.
850-769-0165

509 Mercer Ave
Panama City, FL 32401
96.9MI from Pensacola

don't know who it is - didn't answer

got a call from this number this morning...they left no message.

this is protocol recovery service...and they're sneaky. they try to get you to answer by using different numbers on the caller ID...I've gotten this one , a completely different area code AND a 1-877 number...haven't answered any of the times.

I just got my third call from this company in a month.  The girl I spoke to, Shayer, was very rude and told me eventhough the person they were calling did not live here, never lived here and would never live here I would continue to get phone calls.  She said she would take my number out of the system, but when the system restarted for the new shift I would start getting more phone calls.  She said that because I answered my phone this made it a credible phone number and under law they could continue calling it until the person they were trying to contact spoke with them.  I am filing a complaint with my state attorney general's office.

Get a few calls a week from this agency. They are looking for someone who isn't at my number or address. We have had our number for over 8yrs, so I am really confused.

This company has been calling my cell phone repeatedly. They have 3 numbers, all of which I verified belong to Protocol Recovery Service. The other 2 numbers are 866-705-9580 and 770-426-5781. I called 850-769-0165 from my home phone to ask them to stop calling me since I have no overdue accounts. I told the man that they were calling the wrong number and that I would file a complaint with the FTC if they didn't stop. He started yelling while I was still talking and then hung up on me. He didn't even give me a chance to let him know that I was not calling from the number they had on file. I filed my complaint as promised, but then called back and got someone else that was polite and promised to remove my number from their database. We shall see...

We got call from this number many times and the lady is rude. Although we told this girl no one call this name from my number but she said she will keeping call until she found right person to pick up the phone. I call this number to compliant. The guy pick up the phone and he said he already removed the number from their system. Did every one know what kind collection company they are?

These people have been calling my company for a year now looking for an employee who hasn't been here in 3+ years.  We advise them of this every time they call, and they retort with "I'll have to get some more info then call you back".  What's the point of calling back if we don't know where they are now days?  Stop it, you people are extremely unfriendly, you do not identify yourselves, and you are taking up precious company time.

Got a call from work with someone with Protocal.  They started off by giving me my address then asking if I receive my mail at that address.  He was real rude so I hung up on him.   They then called me on my cell phone.   Left no message on there.   I believe this is the same co. that called a week ago at my work and they told the person that answered the phone that they were calling to see if I received some samples in the mail from them.....they are SNEAKY!!!!!!

they call you and leave no message, they use your local telphone number and i was expecting a call, i called the number back, they answered and said "hey (like they knew you) and then proceeded to talk about, hey, have you gotten your mail lately", then proceeded to tell me that this call is being recorded because of a debt they are trying to get.  I questioned the local number and she told me that "oh we do that so that when you see the number you wouldn't have to call long distance".  They said they acquire a local number so you would think it is someone you know.  veryyyyy sneaky!

I received a very 'rude' call from this number on 12/18/09.  I informed the lady calling that the person they were asking for does not live at this residence and that I had a 'very sick' person in the home and did not want them to call me anymore.  The lady was very persistant and told me that I needed to speak with her supervisor about the person they were asking for.  I told her that I did not need to speak to anyone and that I didn't owe thme anything and that they should loose my number and leave me the ---- alone.  She then said that I could not hang up and that I needed to speak to her supervisor.....I told her to STOP calling my number and that I did not know them and I did not owe them anything and that I PAY FOR THIS AIRWAY....AND I WILL HANG UP WHEN I WANT TO.....I THEN HUNG THE TELEPHONE UP.  who are these rude people and who do they think they are.

i do not answer any phone call that is not on my contact list!!!


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Jeff Ackiss

  1. 509 Mercer Ave
  2. Panama City, FL
  3.  
  4. Job: Protocol Recovery Servic...

1

No cell phone or text messaging available for this listing No email available for this listing You can contact this person by phone


Rick Cerney

  1. 509 Mercer Ave
  2. Panama City, FL
  3.  
  4. Job: Protocol Recovery Servic...

2

No cell phone or text messaging available for this listing No email available for this listing You can contact this person by phone


Cheryl Curry

  1. 509 Mercer Ave
  2. Panama City, FL
  3.  
  4. Job: Protocol Recovery Servic...

3

No cell phone or text messaging available for this listing No email available for this listing You can contact this person by phone


Protocol Recovery Service

  1. 509 Mercer Ave
  2. Panama City, FL
  3.  
  4.

4

No cell phone or text messaging available for this listing No email available for this listing You can contact this person by phone


David Turnett

  1. 509 Mercer Ave
  2. Panama City, FL
  3.  
  4. Job: Protocol Recovery Servic...

5

No cell phone or text messaging available for this listing No email available for this listing You can contact this person by phone


Craig Wiggins

  1. 509 Mercer Ave
  2. Panama City, FL
  3.  
  4. Job: Protocol Recovery Servic...

6

No cell phone or text messaging available for this listing No email available for this listing You can contact this person by phone



http://www.websupp.org/data/SDAL/1:06-cv-00746-25-SDAL.pdf


Protocol Recovery Service, Inc.

Below is the listing for Protocol Recovery Service, Inc., a collection agency in Georgia.

Address: 655 Molly Ln Ste 120

City: Woodstock

State: GA

Zip: 30189-6519

Protocol Recovery Service Inc

Address: 655 Molly Ln Ste 120
Woodstock, GA,
30189-6519
Phone: 770-425-8865

Contact this Company


Get a Free Quote from Protocol Recovery Service Inc and other

i called these people up from my cell...they were stating from 3 years ago i own them $$   from citi bank????????????

They will tell you that they own the debt when they do not purchase the debt.  Keep in mind tha you dont have to make an arrangement with Protocol Recovery Services.  These guys lie and they will tell you anything to get that arrangement as their motivation is based comission.  That collector has to keep his quota.  Your calls are recorded.  Let it go.  The owner of the debt can sue you, not these guys.

Be careful if you choose to let it go.  They call everyone who has any relationshiop, they called my employers, my mother and law, neighbors with a similar last name, prior employers, employers I applied to but were never hired, temp agencies I never worked at, all to make their cute little point.

Receiving calls from this number - no connection with this company at all.  Don't answer.

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

I've gotten calls from these guys from several different numbers.  Sometimes from an 850 number and sometimes having a 214 or 817 prefix number.  Either way, its still the same.  This company is a debt collector and they are very rude.  Once you tell them that you don't have any debts at this time they are not supposed to call back.  Contact the FTC and file a complaint.  If we all file legal complaints to FTC about this company they will go out of business from paying off the fines and lawsuits.  Can't run a business without capital.

And if you do owe a debt to a company, contact the ORIGINAL company and not the debt collector.  The collector isn't interested in anything but the largest amount they can get out of you.  Call the original company and try to work out a deal.  In this economy, they also want what they can get but are prepared to make a deal especially since people are filing for bankruptcy at such a high rate and depending on the type of bankruptcy filed for, most debts are cleared off your record (except child support, taxes, student loans).

Called work and cell phones, as most collectors seem to do. "Randy Miller from Panama City Florida" left a message saying that I should call 866-454-8045, and that it was a "very important call". Sorry, Charlie (I mean Randy), but when (whoever you bought the account from) decided to extend credit to my (now ex) wife, they knew their recourse under the law. File suit or go away.

Woke up to a really ruse caller asking for the last four numbers of my social and asking her if i got a letter from them.  I asked them what the call was in regards to and they refused to answer me unless I have them the last for numbers of my social security number.  I refused to do so and the lady raised her voice to me.  Luckily if you go to the verizon webpage go can block up to five numbers for free.  So I added their 850 and 866 number to the list of people who are blocked from calling me.