877-279-5517

Michael Locke called my personnel office where I work and was transferred to my office line - I told him not to call me at work or any other time. He then called my personnel office yet again and gave them a bogus case file# and all.  Now they are harrassing me along with other co-workers.

I just received a call 1-877-279-5517 Henderson Weinstein Wyatt & Associates spoke with a Lindsey Clark. She gave me a bogus case number was very rude with me, stated they were taking me to court base on my file.I asked her to send my debt in writing she stated no. I asked why did'nt give a reason.

They are a collection agency don't give them one red cent if they can not provide legal documents they are not legit.

I received a call from a Ms. S. Pratt today representing Henderson, Weinstein, Wyatt and Associates.  She was very professional, polite and accomodating. I did not have a problem with her calling me and giving me the opportunity to rectify my debt situation. We were able to work out an affordable payment arrangement.  I felt like Ms. Pratt listened to my "sob" stories about why I hadn't made arrangements on this debt sooner and she was not dismissive and only concerned about her agenda to get me to pay. She listened and validated my concerns. She handled herself very professinally.

This company not only called me, but also called a ref and left personal info on their voicemail which it toally against the law. Report them to federal trade commission! My debt is with a debt consolidation company but they still tried to call and say they would take me to court. They are a debt collection ageny!

I spoke with an agent from the pre-legal department and tried to work something out. He left a message stating he was signing in affadavit for court on my case .On Feb.16 i got a call from Lindsey . She called my phone 3 times back to back then left a message she has attempted to call me and good luck.I called her back and she stated she had the case now she said that there can be fraud charges taken out on me.I called back on feb17 and spoke to a the account manager about the criminal charges I was threatened with.She was very rude to me, she told me to HUSH and that I didn't want to take care of my account, she couldn't pull up my account for a long time and she thought I owed on a pay day loan which first made me have doubts about this company  and then i asked to speak to the office manage, he tried to put me on payments of $100 a month and i stated i didn't want to make any payment arrangements because if I default I don't want them to say I'm commiting fraud. I told him I would send in a payment as i got the money to send to them.He gave me their po box and said that would be fine. Then I recieved another phone call from the same agent in the pre-legat department in the same day stating that he could set up payments for me and I told him I will send when I can attached to a letter, he told me it doesn't work like that.I asked him to send paperwork to my pobox and he said he sent it to my home address which is false.

WHEN A COLLECTOR REFUSES TO SEND INFO REGARDING THE DEBT IN WRITING - THEY ARE BREAKING THE LAW!

WHEN THEY THREATEN ARREST - THEY ARE BREAKING THE LAW

- if you were going to be arrested NO ONE WOULD CALL YOU FIRST.  
they would just send the POLICE!  


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

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

Just received a call from their collectors.  I was threatened that if I did not give them my credit card for payment by the end of the day they would serve me with a lawsuit.  I was insulted multiple times by their employee, specifically told that she knew that I write a lot of bad checks.  I asked her to confirm how she would know such as thing, as I have never written a bad check. The first time I spoke with them I was told they were a law firm, and that the bill collector was a lawyer.  They also told me that they recorded the call, however it is illegal to do so without my permission.  Furthermore, a collection agency is required, at the beginning of a call to inform you that the reason for the call is to collect a debt.  None of this happened, I was just immediately bullied and threatened.

It's a collection agency that uses scare tactics to try and get you to call them back.  They leave a case number and threaten lawsuit and court.  the truth is they would never proceed with this because my debt is so small that it wouldn't be worth it.  They would lose money.  Jonathon Brooks is the rep that calls me at least 3 times per week.  I would not be too worried about the threats from this company.  It is a scare tactic that they use because it works.  Most people get so scared of being taken to court that they pay up immediately.  When that happens, they won.  why wouldn't they keep on doing it?

have u ever spoke to a man by the name of montel jackson

This company is VERY UNPROFESSIONAL!!!!!!!! They don't care if they call u at home or work and they are VERY DISRESPECTFUL!!!!!  Talking about if i don't pay i could go to jail and have my assets taken away............WHAT ASSESTS? I don't have anything for them to take.  I ask for documentaion on the debt they say i owe and they refuse to send me that...........if i owe it, i'll take care of it.  But i don't even write checks at all and they accusing me of this with a lawsuit.....if i wrote a bad check, don't you think i be in jail by now?  I don't even deal with checks.......give me a break

Keep getting harrasing phone calls they now called an Aunt who I have never used on any thing before for a reference to my credit. I don't even talk to that Aunt much anymore, like maybe once or twice a year. So she calls me today and tells me that someone called there for me, which is funny considering I just got a new phone number that is unlisted (not even in my name) and I just spoke with my  aunt yesterday then sent her an email. It is just too much. It is not someone I recognize and I know I have some outstanding debt but when I called back the woman at the extention was like hello. I didn't say anything, she said hello again then said "Oh um Henderson Weinstein Wyatt and Associates" Like she forgot what she was suppose to say. I ended up not saying anything except that it was a wrong number.

Me Jackson keeps calling me and telling me I owe money. I have paid on this debt but they keep calling. Now that I have educated myself with more information I know waht to ask for and do.

He said he was traving around the country collectiong money. :) This is funny becuse his says my oustanding debt is $393.00. They say they are in NY are they really going to fly around the country to collect this? I hope he is hitching a ride.

Make sure they validate the debt I cant seam to get them to do this and they did threaten me with court or what did he say, "an Affidavit" I'm no lawyrer but ans Affidavit is a sworn statment, not a summons to court.

THey called said tehy were a low firl had a case of mine, wanted me to give them my credit card info, was insistent that they did not want my checking info only credit card info, said i was in vilation of frauding a company and a bad check etc... HUH???? i dont have a clue what the hell these people are talking about and then they tell me that they have noticed recent account activity on a credit card or prepaid card of mine????WHAT!!! so how are you monitoring what i am doing???? this is creepy, i got a call from a Tamara Jenkins and the Montel guy first telling me he was one of the nicer managers in the office said my bill was for $364?????

Yes, today, he called me back they still refuse to send me anything in writing just keep saying that they will send me an e-mail with the information that i need......Yeah right!

they did teh same thing to me even after i asked them to stop calling me at work and then they told my employer the whole scenario i couldnt belive it!!!!

this company call  my job and my ex sister in law who i have never used as a ref and was rude and threatend them with a lawsuit what kind of company does that .

I think this posting was from the some one with the company.  Cause everybody I spoke with has had the same rude calls from this company.. Good try..

Got a call from a guy at work today from this agency. He told me it was time sensitive and that he had a case that was attached to my name & my SS #. He fraudulently told me to refer to county case # ..........
The number he gvae me is not the number format for our court system.
What a bunch of BS!

What should we do if a payment arrangement was made with them before we found out that they were not legit? We feel quite stupid now, but I have found more information and I feel that we should not give them anything...

Greetings,

I read your post and I wanted to ask you something.  We made a payment arrangement with them last week, but now I have more information and I feel that we should not give them anything...I am not sure what to do.  I would like to cancel the card I used before they take the first payment, but I do not know what the ramifications of this will be.  Any ideas?