877-839-9068

CSR Crystal at FMA Alliance called from 877-839-9068, her extension is 3137. Address was given to me as FMA Alliance, 11811 North Freeway Suite 900, Houston, TX 77060. She claimed I owed the full balance of a credit card I paid off in late 2006/early 2007. She was incredibly rude and tried to talk over me, just like all of the other CSR's that have called me from this company. I receive these calls non-stop. I contacted the credit card company and confirmed I had paid off completely, so I contacted the attorney general who told me to get the company's address and mail them a certified letter with return receipt stating that they are not to contact me again.

FMA Alliance, just another (yawn.....) debt collector.  Blocked 'em, goign back to my nap now.
Catch ya' later bi$hes!

We noticed a blocked call from this FMA Alliance.  We do not owe any money to anyone.  So now it is time to get the attorney general involved in this.  We are not going to take this harassment.

Has called several times.  I don't answer.  Leaves no message.

They send letter from Dept 287, PO Box 4115 Concord Ca 94524, called from this number once, didn't leave a message.just said Toll Free Call, like I'm suppose to know its FMA Alliance.

If they sent a letter it should contain this:

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

At which point you should immediately do this to preserve your rights:

You need to send them a certified, return receipt debt validation letter (think of it as the best $6.47 you ever invested).  Also send it first class mail in case no one will sign for it.  Make a notion of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Read up on your rights here and also make a complaint at this government site:  http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general


Also file a complaint with the Michigan Dept. of Licensing and Regulatory Affairs: http://www.michigan.gov/documents/lara/LCE-992_474650_7.pdf