877-865-9750

Mr. Chaves AKA Sean (Shawn) called to resolve a problem. A lady answered the phone and asked for my Social Security Number. I was hung up on three times. They gave me a file no. and my neighbor's address on a recorded message.

Left name, this is  "Paul Black"
please call back at  877-865-9750.
this is on my  cell phone, I will not answer it

I am on the US National No Call list for companies and a person called me to get a hold of someone else in my apartment building.  I thought it was strange that the caller ID said unavailable.  It only does that when it is a business line.  My friend called the number and it was a collection agency.  I am reporting them to the US Federal Do Not Call List authorities and also to the New York State Attorney General's office.  They should not be bothering someone's neighbors to get a message to them.  I am also not forwarding the message that they wanted delivered.  I did a *57 and that came up with no number that could be traced by that method.

The number they wanted my neighbor to call back to was 1-877-865-9750 which turns out to be Leading Edge Recovery Solutions.  The name they gave me as Brandon.   They are oh so much in trouble.  http://www.callferret.com/leading-edge-recovery-solutions.html

Debt Collectors – Collection Agencies –   do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :


I am in receipt of your demand for payment. However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c). Failure to comply with said Notice, shall result in a complaint filed and submitted to the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

Your representatives have also been trying to contact me,  however, I only do business of this nature via mail. Therefore, I am requesting again, that you cease and desist from calling me or contacting us in any way.

Please remove the phone numbers XXX XXX-XXXX. The calls constitute harassment at this point, which is causing a major disruption in both my business and personal life as well as being an invasion of my privacy, which I will not tolerate.

If you continue to contact me, I may file a complaint with the Attorney General. The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing to cease all phone communication.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right, to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  


Sincerely,

Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Please email me at com.gmail@mommypettlc (tlcpetmommy) for help with individual questions.  Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

© copyright 2010 rcmeek All Rights Reserved

Calls started about 03/01/2010.  Calls everyday sometimes two or three times a day.  Have had the number blocked on my phone, turned off the ringer, and the calls go into voice mail.  Suspect these calls are associated with some type of scam or other fraudulent activity and am reporting every one of them to the Do Not Call Registry and FTC.  I am also saving the voice mails, and the emails, notifying me of the voice mails for the authorities.  Individual refuses to identify the company he is with, purpose of the call, and apparently doesn't know the name of the person currently holding the phone number he is calling...in other words a fishing expedition.  Same message each time:  "This is Paul Black.  Please press 1 at anytime during this message to speak with a representative or call me at 1-877-865-9750."  I am current on all my financial obligations.  Even if this were a legitimate credit or collection agency calling, they would not be unwilling to unblock their phone number for the recipient , and would indicate this was an attempt to collect a debt.  I know this because I received several legitimate collection agency types of calls when I inherited my current phone number after moving from another state and changing my phone service provider.

Someone is leaving me this message as well (Paul Black). If I call with my number blocked I am hung up on! I tried several times.

That is strange i just got the same phone call i wonder what they could want and how they got a hold of my number

call came in on work line - caller id is "external" and number is "unavailable" - left message saying I needed to contact them about a claim in their office and left this as a call-back number.  Thanks all for your input and info.

I answered the phone this time, after having them call mye all the time.  They were looking for someone that I didn't even know!  The woman said that she'd take my number off of their "list!"

Call comes in as unavailable; I let it go to voice mail.  It is always a recording of Paul Black saying to call him back or press "1" to speak with a representative at any time during that message.  He calls almost every day.  Once I decided to answer and press "1".  He was trying to reach someone who used to live with me, but hasn't lived here for about 6 months.  I told him that person was no longer here and that this phone was in my name and always has been and to not call here anymore.  He told me that since this was the phone number listed on the account that he would keep calling no matter what, even after I told him I would report them to the Attorney General's office.

Hi,  

I just received a voicemail at home phone number this morning instructing listener to call Paul Black at 877-865-9750.  I retrieved my messages remotedly so I returned the call from my work phone.  I asked to speak with with this person but woman didn't get him. I asked what Leading Edge was - she told me they ahve many departments.  I went proceeded to tell her that Mr. Black called me and I was returning his call.  She said is this Gigrist's (or something).  I said no - how would she know who I was without asking - she automatically looked at caller ID and assumed that's who I was.  I proceeded to tell her she needed to ask for information before assuming.  I told her what number the Pal Black called and said they didn't even have the number on the list.  So how did I get the call????  Did she realize I caught on to their scam.  She told me that number would not be called again.  We'll see.  I, also, have all my financial affairs......................ARGH

i too have been harrassed by this number first it was sean olson then it was paul black and now its mrs hanson. i liked the advice of the petmommy. i have had my information comprimised so i dont want to speak with idiots. it is true they dont know who they are talking too and want to fish for information. i just said they have the wrong person and hang up. which is true.

I have recd a call form this delt collector looking from my brother in law.  Apparently he owes money on a store credit card.  I have gotten other calls for him from other debt collectors and  banks looking for him.  Apparently he & his wife do not answer the phone.  These collectors call us and his mother.  My mother-in-law says that the wife is taking care of it.  I burns me up that he does not pay his bills, but portrays himself as a big shot.  BIG LOSER!!!

I received a call this morning and since it's my job to answer the phone, I of course did...  This person acted as if he knew me and called me by my employer's wife's name!  Of course, I'm not her, but he kept insisting that I was, and then insisted I tell him who I was if I was not her.  The nerve!  I told him that without knowing who he was I wasn't going to give him any information. I told him that this is not a residence but a place of business.  He said, yes, I know.  Well, so if he knows that so well, why would he assume I was my employer's wife?!?  He said his name is Sean Greenhouse and that he is with Leading Edge.  When I asked if he was selling anything, he said no, that it was a business matter.  He wouldn't give me any information beyond that, even though as the Office Mgr, I am usually the person that handles the business matters...  I took down his name and phone number, which is the 1-877-865-9750 x 3105.

My employer already having been a victim of identity theft, we are all very careful about what information is provided over the phone.  Usually a legitimate business matter would encompass a description of what they wanted or needed.  He refused to give me any details.  Why they would call on a Saturday morning?  As if I'm going to call my employer at home and pass along some cryptic message?  NOT!

having identified this number as a bill collector, I have it blocked with my phone. I get one ring and they get a @#$% off message. They call often, for someone who doesnt even live here. A Brother In Law!!. must be a common malady 8-)

Stop calling my family

877-865-9750    5/27/2010 14:42    person asking personal financial details.

Just as many others we get calls almost every day from Paul Black 877-865-9750

very annoying besides using time on our cell phone
 
How can this be stopped?

Get calls all the time. It used to be Vincent Gray, Now it's Paul Black. Who's next, David White? They leave 5-6 messages every day. I don't answer - ever.

Continuing to receive calls from a Paul Blank ON MY CELL PHONE, which is also on "DO NOT CALL LIST"