877-591-7730

I get calls about every 10-14 days from 877-591-7730 with a voice mail to call a Mr. Ron Kennedy.

Got a call from this number stating they had a "claim " for me - same scam US Bank stating I owed them money from an account I closed in 2005?  Are the banks desperate?  they just got a bailout- didn't they?

Got the same type of call from this number.  From a US Bank account that I closed back in 2003...  Probably a result of US Bank selling customer information (including account numbers).

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

Received a voicemail from Ron Kennedy saying he had a claim for me. no further calls yet or more extensive voicemails.

Just received a call from this number 877-591-7730. This man has been harrassing us since Oct. 2009. We do not owe the money he stated. Blocked all calls, now this number shows up. Did not leave a number he can contact me. When is this going to stop. What can we do about this. We closed our account from US Bank 2003. With a  0 balance. US Bank  put the charged on our acct. after we closed it. They even sent us a 5 cent check. Is US Bank desperate for money. Talk about Crooks.

A computer generated voice message for someone with the same family name and the wrong first name beginning with the same letter as hers.  It looks like a brute force phone book search designed to show "Yes, Boss.  I'm workin' real hard on this."

Ron Kennedy is a scammer. He does not work for US Bank nor is he affiliated with them. Somehow he gets people's credit report and then he tries to rip people off using the info. I been getting calls from him because of an account I had with US Bank. They say they never heard of him and not to pay him one flat penny. He runs a scam company called Regent Asset Management Solutions. The website of this scam is www.paymentoffer.com and is designed to try an scare you into paying up. They have no legal right to collect on any of the supposed debts that they harrass people over. I just ignore them and hang up on them. I did send them an email once letting them know that I'm onto their scam and that I will not pay them.

I have owned my cell phone for at least 3 years. I have been receiving phone calls asking for someone else, NOT me, to call Mr. Ron Kennedy. I have called back to the phone number "they" leave and have told them I am not Kyle Mullen, do not know Kyle Mullen, and then ask them to stop calling my number. Each time I am told that they will stop calling the number. The phone calls stop for 1-2 weeks, then they begin again. I am not given a name of a company, just asked to call Mr. Ron Kennedy.

My daughter also had this happen a couple of years ago, but since she was a minor at the time, my husband got on with them when they called and told them such, asked for the phone calls to that number to stop. They did in this case.

Have received many calls, have been told to get a job that they are everywhere, personal information was given to people other than myself.  I have I receive 8 calls a day 4 on cell 4 on personal phone.  I can not believe that people get paid to be hateful.  Same recording everytime and when I answer it's still a recording and when I try to call back they hang up. Finally spoke with someone to get an address to send a stop calling letter and they refused to give me mailing address.

I got another message from 1-877-591-7641 from Mr. Strugess and was given a deadline to call or else a decision was going to made.  I read the "800 notes" and so thankful that I am not the only one dealing with this mess.  I've read it US Bank and I have NEVER dealt with that Bank!!

Now I received a call this morning - that I have not responded and that by 6p.m. TODAY a final decision is going to be made. But the number to call back is 1-877-591-7730 and ask for Mr. Adams and he will direct me to him.  I don't know who "him" is.

I am reading on here DO NOT CALL!! There got to be a way to STOP them.

Thanks, I've gotten the same message for the past 2 weeks, each with a different deadline date.  I personally will never return an automated computer message call to my #.  If the matter is so important have a real person call me!

Just got another call from this number. No the name on the messages is "ask for Mr. Jordan" and they have put the deadline as of 6pm TODAY. pretty forceful. Sounds like the same USBank scam others are mentioning as I had a US Bank business account that was paid, closed, and then sent to collections because they didn't think they got the payment. whatever, I am not calling them.

I've been getting a call from them about once a week for the past couple months.  I've never had an account with US Bank either.  Each time they say I have to respond by end of day.  I'm sure it is a scam.  Do not call them back.

I've tried reporting numbers like this to my state attorney general and the FTC, but so far the calls haven't stopped.

I got a call from this number today as well. Stating to ask for "Mr. Jordan" by 6pm today. I closed my US Bank acct back in 2003 and was contacted last year that I owed 600 or so dollars to collections etc. I'm not calling back or doing anything about it either. Was searching the number to see who it belonged to. glad i'm not the only one.

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=7431
Regent Asset Management Solutions, Inc.  
7290 Samuel Dr Ste 300
Denver, Colorado, 80221


www.ramsna.com


--------------------------------------------------------------------------------
Phone No.  866-809-6415 800-304-3783 303-487-5400 303-296-2101 877-591-0433  
Fax 303-297-9140  

  Michael A. Scata, President Dennis Scott Carruthers, Attorney (CA), Collector


BBB Rating "F" TERRIBLE letters, making threats of lawsuit and lies about investigating assets. No license or bond found, collecting illegally. Letters state..."NOTICE OF PLAN TO REFER ACCOUNT TO ATTORNEY FOR FAILURE TO RESPOND TO NOTICES." This organization appears to be clueless about what they are doing. AVOID THEM!  
Aliases Other Locations  


Overland Park, KS Stanton, CA (Law Office D. Scott Carruthers)  

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=5138
Carruthers, D. Scott, Attorney at Law  
8448 Katella, Ste 100
Stanton, California, 90680
--------------------------------------------------------------------------------
Phone No.  714-816-0488 714-761-3976 866-645-9544 866-816-3791 800-495-8682  
Fax 714-903-8862 888-276-4833  

Dennis Scott Carruthers, Attorney
 
 

Notes
Junk debt collectors for Regent Asset Management Solutions BBB Rating 'F' Highly unprofessional letters making threats he cannot carry out.

I have been ignoring calls from this and other numbers. I am told to contact Mr. Jordan no later than 6pm bla bla bla...I guess its from the same debt collector as everyone else...

Welcome to the crowd. I have been getting calls once sometimes twice a day from Mr. Jordon and each day I have reached the deadline and unless I call them by 6PM they will go forward.

It is annoying but I will not give them the satisfaction of calling them back. If they would hire a real person they would no that on my phone answering message I say remove my number LOL.

Apparently that doesn't work.

Mr Jordon too has been trying to reach me for "2 weeks now" funny how I have never gotten any message nor is it on my caller id prior to the calls received Wednesday morning & Thursday morning (today is Friday).  Calls back get no person at all.  Doesn't tell me who or what he is trying to collect on or even from WHOM.    I would LOVE to report them to "someone" just don't know who.

tried to call the number back.  It tells me to please hold and then tells me the person at that extension is busy.