866-315-4860

OK Guys, PLEASE Read This!!!

Debt Collectors –  Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
 Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

This call is from a Collection Agency for GE Money Bank - NARS Call Center Solutions P.O. Box 791 Chesterfield, MO 63006-0701.  NARS stands for National Asset Recovery Services Inc.

The request HAS to be in WRITING and sent Certified Mail!!!  The cost for CErt. mail is approx. $5.50, but you'll get a signature and date returned on the green card!  Keep track and Log all calls, and you can sue them for $1,000.00 each violation per the FEderal Fair Debt Collection Practices Act.  Again I am not an Attorney, but I have fought two Debt Collector Lawsuits on my own.  The calls are coming from Genpact Services LLC.  After you send them the following letter - CErtified Mail, you will get calls again and eventually a demand/letter from a company called NARS at 866-315-4860.  Google that number and I'll enclose information there so you can send the same letter as follows.  Be sure to put in your own personal information where asked for (name address, etc. and Date) and the phone no. you are being called on at the X's in the body of the letter.

Regular Mail & Certified Mail #:  

Genpact Services LLC
P.O. Box 1969
Southgate, MI 48195-0969

DATE

RE: Account #’s:  
Reference # GP
GE Money Bank – Lowe’s Credit Card
Amount in Dispute: $

To Whom This May Concern:.

I am in receipt of your demand for payment. However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c). Failure to comply with said Notice, shall result in a complaint filed and submitted to the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

Your representatives have also been trying to contact me,  however, I only do business of this nature via mail. Therefore, I am requesting again, that you cease and desist from calling me or contacting us in any way.

Please remove the phone numbers XXX-XXX-XXXX. The calls constitute harassment at this point, which is causing a major disruption in both my business and personal life as well as being an invasion of my privacy, which I will not tolerate.

If you continue to contact me, I may file a complaint with the Attorney General. The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing to cease all phone communication.

As this is your 2nd Do Not Contact Request, with the first being sent February 19, 2010 and received February 22, 2010 approx. 10:24 am, and you have not complied with federal law; complaints have and will again will be filed; as well as appropriate Legal Action taken, as per our Federal Law rights by the Fair Debt Collection Practice Act.  

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right, to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



_________________________________
NAME
ADDRESS
CITY, STATE, ZIP


Regular Mail & Certified Mail #:  

Genpact Services LLC
P.O. Box 1969
Southgate, MI 48195-0969

DATE

RE: Account #’s:  
Reference # GP
GE Money Bank – Lowe’s Credit Card
Amount in Dispute: $

To Whom This May Concern:.

I am in receipt of your demand for payment. However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c). Failure to comply with said Notice, shall result in a complaint filed and submitted to the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

Your representatives have also been trying to contact me,  however, I only do business of this nature via mail. Therefore, I am requesting again, that you cease and desist from calling me or contacting us in any way.

Please remove the phone numbers XXX-XXX-XXXX. The calls constitute harassment at this point, which is causing a major disruption in both my business and personal life as well as being an invasion of my privacy, which I will not tolerate.

If you continue to contact me, I may file a complaint with the Attorney General. The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing to cease all phone communication.

As this is your 2nd Do Not Contact Request, with the first being sent February 19, 2010 and received February 22, 2010 approx. 10:24 am, and you have not complied with federal law; complaints have and will again will be filed; as well as appropriate Legal Action taken, as per our Federal Law rights by the Fair Debt Collection Practice Act.  

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right, to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



_________________________________
NAME
ADDRESS
CITY, STATE, ZIP

For the Calls to Stop, The request HAS to be in WRITING and sent Certified Mail!!!  The cost for Cert. mail is approx. $5.50, but you'll get a signature and date returned on the green card!  Keep track and Log all calls, and you can sue them for $1,000.00 each violation per the Federal Fair Debt Collection Practices Act.  Again I am not an Attorney, but I have fought two Debt Collector Lawsuits on my own.  The calls are coming from Genpact Services LLC.  After you send them the following letter - Certified Mail, you will get calls again and eventually a demand/letter from a company called NARS at 866-315-4860.  Google that number and I'll enclose information there so you can send the same letter as follows.  Be sure to put in your own personal information where asked for (name address, etc. and Date) and the phone no. you are being called on at the X's in the body of the letter.

Regular Mail & Certified Mail #:  

NARS
P.O. Box 701
Chesterfield, MO

DATE

RE: Account #’s: XXXXXXXXXXX

Amount in Dispute: $ XXX.XX

To Whom This May Concern:

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice, shall result in a complaint filed and submitted to the Federal Trade Commission, and possible legal remedies in appropriate United States Courts.

Your representatives have also been trying to contact me,  however, I only do business of this nature via mail. Therefore, I am requesting again, that you cease and desist from calling me or contacting us in any way.   Please remove the phone numbers XXX XXX-XXXX. The calls constitute harassment at this point, which is causing a major disruption, in both my business and personal life as well as, being an invasion of my privacy, which I will not tolerate.

The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing, to cease all phone communication.  If you continue to contact me, I will file a complaint with the Attorney General, FTC, BBB and FCC, as well as refer to our Legal Dept. for further remedies per our Federal/State rights.

Complaints have already been filed with our Attorney General and FTC for Federal and State Law violations, including but not limited to, multiple calls per day and calls received on weekends and holidays, as well as other violations documented.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right, to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond as a result of GE Money Bank’s default.

Sincerely,

______________________________
your name
address
city, state, zip

I am not an Attorney, but I have fought to Collection Agency/Debt Collector Attorneys in 2 Lawsuits on my own.   This is from my own personal experience, and I'm trying to help others!!!

Jack Powell
Maryland
July 6, 2011
Genpact Services LLC
Possible Shadow Collection Agency

To:
Md. Collection Agency Licensing Board        
Maryland Department of Labor, Licensing,
and Regulation
500 N. Calvert Street, Room 402
Baltimore, Maryland 21202
Consumer Protection Division
Maryland Attorney General’s Office
200 St. Paul Place, Baltimore, MD 21202
Federal Trade Commission
Consumer Response Center
6th Street and Pennsylvania Avenue, N.W.
Washington, DC 20580

I would like some help with numerious and anonymous phone calls that I am receiving at (410) 754-XXXX kee getting a phone call from (513) 878-3692. I asked the caller the other day if they were from Genpact Services LLC and they told me they could not reveal who they are working for. The gentleman had an Indian accent.

I did some research on the internet and according to internet sources this number belongs to Genpact Services LLC.

To my knowledge I have never talked to anyone from Genpact Services LLC or ever received any correspondence from them. They do not reveal who they are. They just keep calling and calling. The following is a phone log of the calls I have received from (513) 878-3692 from July 1, 2011 through July 4, 2011. The area code (513) for this number is from Missouri.
Friday
7/1/11            8:53 am        513-878-3692
7/1/11            10:24 am        513-878-3692
7/1/11            5:20 pm        513-878-3692
Saturday
7/2/11            8:53 am        513-878-3692
Sunday
7/3/11            8:38 am        513-878-3692
7/3/11            9:28 am        513-878-3692
73//11            11:01 am        513-878-3692
7/3/11            12:2 3 pm        513-878-3692
Monday
7/4/11            8:42 am        513-878-3692
7/4/11            11:02 am        513-878-3692
7/4/11            1:33 pm        513-878-3692
7/4/11            4:22 pm        513-878-3692

Could you please investigate and see if this is in fact Genpact Services LLC? They won’t tell me if they are calling.



Please help.




Sincerely,





Copy:

File

Genpact Services LLC
PO Box 1969
Southgate, Missouri 48195-0969

Genpact Services LLC
105 Madison Avenue, Second Floor
New York, New York  10020


GENPACT SERVICES LLC
1251 Avenues of Americas, 41st Flr
New York, NY 10020

Waa! Waa! Waa! you sound just like the rest of the deadbeats that contribute to the flopped economy. How american of you to encourage people to continue to contribute to the nation's delinquency. Here is what tad bit of information, yes, an attorney can sue you and not be located in your state. He can sue you by going to your district or county superior court and file the case. Here another thing, If the money wasn't there to begin with to repay, then why, oh why (begs the question) would you ask for the extention of credit KNOWING you do not have the means to repay? Sounds as if your intentions from the beginning were to defraud some institution out of goods.

First of all, that statement is wrong. If you had read what the person was saying, the original creditors signed off the original debt as a loss, therefore absolving anyone from any further obligations to them. The debt collectors go and buy the written off debt, and then call and lie and try to inform people that they have been assigned to a collect on that debt. But, no contract is ever mentioned. And the Law of Novation totally applies here because the debt collector is a third party interloper. Look up novation and third party in a law dictionary if you have any doubts about that. One more thing to be clear on. The national debt has nothing to do with not paying your creditors. That has to do with the corporation known as the United States of America doing business with international bankers. The corporation is bankrupt and it due the international banks and also the fact that there is no real money in this so called country. To give in to the demands of a debt collector is tantamount to throwing your money in a well.