877-333-0713

Kendrick Joseph and Associates, Amanda Grham, I have had several calls from them the last 2 days and the opening line was 'This is Amanda Grahm with Kindrick Joseph and Associates, I need you to call 877-333-0713. There are serious allegations pending against you"....people I am a best selling author and don't owe anyone anything. I found this site trying to research these people. My lawyers advice?....if they keep calling my cell phone file suit on them...personally I am not wasting my money - thank you all and this site for helping me find out who this was and what they are about. Fromwhat I d knwo about credit collection law...you have to be given it IN WRITING or is doesnt exsist.


Cheers!

Chris

Here's some help for you Chris,  I was contacted via a subpoena from the lawyers at this company.  I gave all the information to my attorney and he called them and made a settlement with them so I wouldn't have to pay any extra money for court costs and all the garbage that comes with worthless check charges.  Alot of headache can be avoided when dealing with banks and the Law if you can nip it in the bud.  I suggest checking your bank records and narrowing down which check was nsf and approach them with an offer to settle out of court. Saves money and problems!

i got a call from these people also... they were very helpful in helping me cut a deal less the interest and late fees. i also researched the laws for my state ( MD ) and these people were correct. so when in doubt check the laws in your state for bad checks... merchants have rights too... but anyway i owned up to my debt and am now free!

Oh yeah right- you must work for them. There is nothing legit about these kinds of companies- they try to convince you that you owe money that you don't- they won't provide any kind of paperwork, they just try to bully you into paying with threats and intimidation. I have been dealing with these companies for a couple years now- don't know why they keep trying I tell them right up front that it won't work with me but every few months i get another call. I just think it's amusing now and I play games with them - really pisses them off LOL

See above reply to "Jack" you people are full of s***

Yes I also received a call from Amanda Graham.  She let a voicemail at my job.  Than she contacted my Manager wanting information on me that he would not give her.  She stated that if I don't return her call she was going to contact my HR department.  I did return the call but there is no company greeting and number does not introduce her just states to leave a message at that extension.

I don't work for them but i also had a decent encounter with them unlike many other agencies i have dealt with.  I talked to a ms. hall and she did send me a validation letter and a receipt when i paid my check off.  I agree the added charges were high but i verified the loan thru my bank transactions and just paid it.  I moved to arkansas last year and this was my first time hearing of this but i did this when i was married and forgot about it......

It doesn't say much for you that you are dealing with so many collection agencies either now does it....?????????

It was the same message from the above company, having serious allegations against me.

What they're doing is illegal.  They've called here at work many times looking for various associates, claiming they have paperwork that needs to be filled out by the associate's manager and submitted to the county police department, which is bull.  What they're doing is harassment, trying to intimidate people, and it's against the Fair Debt Reporting Act.  These associates have asked *repeatedly* for proof of the debt, in writing, and *not one* has ever gotten it.  These bottom feeders think by bullying people that folks will just pay the money to get rid of the hassle.  They are low-lifes, end of story.

I got a call from this company about 1 month ago about a payday loan I took out over 3 years ago. The told me if I did not pay up I would go to jail by noon that day so I borrowed $50.00 from a friend and use his debit card, well needless to say they went back through his account and took $300.00 out with out his consent.
We are looking for a lawyer to take his case. What they did was illegal, they took money for my debt out of his account with out his knowledge.

I frequently review this site to see how many people look for ways of getting out of paying their debts and it never ceases to amaze me the lengths people go to.  For one thing, if your job has numerous associates getting calls then maybe something else is wrong.  Maybe they got together and conspired to get these loans and not repay them or maybe they are not getting paid properly so they all have to get payday loans or is it truely that you owe the debt and are just making up a lie to cover yourself??  It is not usually normal for more than one person at any job to be getting calls from the same people collecting on the same debt.. So stop lying and pay your debts...

Whether they use the "Amanda Graham", "Julie Taylor" or "Dan Thornberg" alias, these losers are trying to collect on old accounts that have either been paid, written off or the SOL has expired. They'll tell you they won't mail/fax proof of debt. A cease and desist letter is worthless because they won't honor it because they're crooks! They'll violate FDCPA constantly harrasing you on your job or by calling your relatives. They'll say there are "pending charges" in your local County against you. ALL UNTRUE! Please don't ever send these vultures a dime of your hard earned money. Let them know you understand the game of junk debt collectors and you're recording the call. Do not trust the number that's on your caller id because every month, it changes. They're using call spoof by using a fake caller ID number to ensure the call isn't traced and to prevent websites such as this to prevent disclosure by allowing victims to see they're not the only ones being targeted by these ruthless criminals. I have recorded every call and I've saved every message they've left me and I'm currently working with NC Attorney General Roy Cooper's office regarding this particular group.

to Associates, you stop LYING while trying to collect these debts. There is nothing honest about what you guys do either. So shut up and stop harassing people.

According to 411 the phone # is a cell phone not a land line phone.  What lawyer uses a cell phone as their main number????  Thebbb knows some about them and had not been able to list them as a real business.  All sounds very unbelievable!!!

I have been paying and dealing with a lady there who has been very nice for 2 months.  There number has not changed and my attorney negotiated with them so I only had to pay the original amount owed and not all that interest. I had 4 loans that me and my husband took out before he left me so I knew I owed but just never knew how to reach the payday loan company. This week will be my last payment and I have gotten a receipt emailed to me with every paymnt I made.

you may have been a lucky one, this company is under investigation for telling people they will be put in jail. This is illegal in every way. They have taken money out of someones account that does not even owe a bill with anyone which is illegal in every way.
They are being investigated as we speak, they do not have a website and the number is a cellphone not a real business.
Lawyer

They are also operating under the name of: Oasis Financial Solutions LLC:

7910 Baymeadows Way Suite #3
Jacksonville, FL 32256

They are also operating under the name of "Trent Patrick and Associates". Same address:

7910 Bay Meadows Way
Jacksonville, Florida 32256

https://800notes.com/Phone.aspx/1-877-658-6929

http://www.debtconsolidationcare.com/collection-agencies/trentpatrick-associates.html

Report them to the Florida Office of Financial Regulation:

Office of Financial Regulation
State of Florida
200 East Ganes St.
Tallahassee, FL 32399

These people are scam artist with a lot of time of their hands, obviously. They only want you to wire them money via moneygram by using bogus scare tactics. They'll use the following words: INVESTIGATORS, INSPECTOR, URGENT, OFFICIAL, FRAUD- ONGOING INVESTIGATION. These losers are trying to collect on old accounts that have either been paid, written off or the SOL has expired. They'll tell you they won't mail/fax proof of debt. They'll violate FDCPA constantly harrasing you on your job or by calling your relatives. They'll say there are "pending charges" in your local County against you. Please don't ever send these vultures a dime of your hard earned money.Do not trust the number that's on your caller id because every month, it changes. Another option: PRETEND you're going to send them the funds. Document as much info as possible (while recording the call of course) to include with your complaint to your states Attorney General's office. I'm currently working with NC Attorney General Roy Cooper's office along with a few of the local/national media outlets  to investigate, fine and prosecute these criminals.

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