877-431-7784

This number belongs to a debt collector named Credit Control, LLC.  Their address is:

245 East Roselawn  Avenue Suite 25-26
Maplewood, MN 55117

I received a letter from this company with this phone # and address stating that I owe debts on payday loans.

Keeps writing me letter of a check I have supposedly written.First of all I don't write checks and have not had a check book in 10 years. Always use credit cards or cash. They didn't send me a copy of any check for verification, and I don't know what company who I have supposedly written the check to. I wish they would stop writing me. I will sue them for harrassment if this keeps up. Credit Control LLC. in Maplewood, Mn. 55117 and I have never been to Mn.

This number came up on my cell phone, no clue who they are.  Don't know anyone in Minnesota.

i think they are scam artists be careful

These people call me at work, and left a message saying to call them at 877-431-7784 with a file #, that I did not understand what the numbers were, They have called my work number before. They try to talk over you so that you can not tell them to stop calling your Work number, but this time I beat them to the punch. I do know that the Law say's that once you tell an debt collector to stop calling you at work or at home, all that should stop, right then an now.
SO STOP CALLING MY HOUSE AND MY JOB, YOU SCAM, RIP-OFF.

Company Name: Credit Control

Just got a from this "Mr. Bacon" who instructed to have either me or my legal representative call them immediately, because he has a 'file' on his desk! I will have my attorney call him...no problem there.

IT HAS TO BE IN WRITING TO STOP THEM FROM CALLING HOME.

IT CAN BE VERBAL -FOR WORK - but you should be follow up with it in WRITING .

Send it via CERTIFIED MAIL - RETURN RECEIPT

Also state that CALLS are INCONVENIENT!  

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 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.




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

Kristine Clum from Credit Control calls me day and night, always within the legal range but she calls 10 to 15 times per day. Has sent letters but refuses to adhere to her own letter.
Isn't there a reasonable way to deal with a reasonable person. I admit that I have a debt but I am a nervous nut trying to make sense of this. She wants me to set up a direct deposit for a monthly payment and hung up on me after I said that I did not want to do so and wanted to send her money orders. Why if you want to pay are they so rude? What type of an adult business person hangs up on a person?

I had a Mr Bacon call me as well and says he needs a staetment from me about legal documents filed against me.  Then he gives me a file number.  He doesn't indicate what its about and I've been nervous about it but then when I googled the phone number I started seeing all of this fraud info and people saying to be careful. What is everyone else doing about the situation to make it stop?  Can we report it somewhere?

Had two messages on our voice mail from last week.  No company or person name left or reason for call.  Called today, Saturday, and call transferred to voice mail.  Message identifies person as "Eddie Polanz" (spelling?).  Left message requesting call back with company name, purpose of call, and whom they wish to talk to.  Did not id self.  Will follow up with report if they call back.

I received a call from this number @ 8:14PM.  I did not pick up, they did not leave me a message.

Just read through the posts.  If it is indeed Credit Control LLC, they don't exactly get stellar marks from the BBB.  

http://www.bbb.org/stlouis/business-reviews/c ... od-mo-310182155

I posted the answer to your Can We Report them somewhere question on AUG19th
It was posted to HELP you deal with these illegal collectors and what you need to know to use the laws they are breaking to FIGHT BACK!

Got a call from at my job....called back and got some guy.  I asked him what company he was with and he asked for the number they called at....i refused....just tell me who you are.  When i answer my phone at work....i announce where it is that i work......he continued to ask...he kept refusing, so i hung up on him.  It's obviously a scam.....any real debt collector would send you something in writing and not be so hesitant to announce who they are.  Please just ignore them.

this company calls alot thru out the day i don't have voice mail so i decline the calls when thay come in from this number. it is a bit annoyeing thay don't leave a mess. on my cell phone voice mail  don't know how thay got that but any ways i get this number calling me alot.  not shure if this company is even a real company and i will never answer the phone for ovious reasons

You probably don't owe any debt to the collectors. The way the industry works is they "Buy" debts from other companies. In reality they can't prove that and often have no right or cause of action when they do sue. Best thing to do is lawyer upand have a lawyer call them and basically dare them to sue you. When they do, your attorney will naturally charge a fee but it will likely be less than whatever you "owe." These cases are sometimes rather drawn out but they are very winnable or settle-able for pennies on the dollar.

If these people are debt collectors, I believe they are calling me about a debt my elderly mom owes (she racked up a lot of debt before her drug supplemental plan kicked in).  Because of bad health as well as not being able to afford to live on her own, for the past six years she has been living in a small mother-in-law apt. we have behind our house.  Unfortunately, about two months ago, her health took a turn for the worse and is now living in a nursing home.   The nursing home takes all of her Social Security for her care.  

Should I call these people and them to "bug off" or just hope they will stop calling?

Yeah the collection agency is there, that doesn't mean you've been there. That's how most collection agencies are. Just because you owe for example "Hospital" debt in your state of say "Indiana" it could go to a collection agency in Alaska.

If you tell them to quit calling your work or cell #, then yes they do have to quit. If you tell them to quit calling your home # then no they don't. The reason if you tell them not to call your work # that they have to comply is because you could lose your job. With cell phones it's because of people that have plans with only so many minutes. But with home phones they can and still will call.

Actually if the collection agency is abiding by LAWS they are doing the correct thing by not identifying themselves until they verify they are speaking with the correct person. Maybe you should look into those laws, instead of just saying what you think sounds good.