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COLLECTION AGENCY

Collecting on judgment for Capital One.

COLLECTION AGENCY
Caller: MORGAN & POTTINGER, P.S.C.
Caller Type: Collection Agency

Law Firm based in Louisville, KY 40202

Isn't it against the law for  collection agengecy even if backed by law firm to call on a  sunday? making payments on 400.00 capitol one card . but you would think i am the only one on the planet that owes them money !

Unfortunately it isn't. And they don't CARE.

The FDCPA prohibits third party collection agencies from calling between 9PM-8AM local time. Sundays aren't excluded.

If you want them to stop calling you all together, you have to send a cease communication letter. Of course if you do that, it gives them Carte Blanche to sue you for supposedly breaking off communications with them.

It's damned if you do...and damned if you don't.

No sending a Cease and Desist letter does not get you sued for breaking communications with them - IT requires that they do all contact via MAIL only.    

That cease communications letter is intended to stop the phone calls only.
They are still required to provide debt validation and communicate with you. VIA MAIL!     Since they fabricate most of what they provide in writing, it is important to INSIST THEY DO EVERYTHING IN WRITING!  

You are still required to do the research and dispute the validity of the so-called "debt" they are trying to collect.

how the hell do they get your cell number?

Everytime a collector calls you, you are entitled to a cash settlement for each call they make. Each call is worth at least $1000 dollars. This is only if you have a lawyer. If you have a lawyer and told the bill collector about it, then write down each time they call you and sue them.

i would like to know this as well.  i keep getting a call for a woman that i don't even know.

morgan & pottinger law office debt collectors ! ! !

They call me but when I push 1 to speak with an operator I get a message that says my call can't be completed as dialed. How am I supposed to communicate with them if they don't answer the phone?

My phone is in another name, so how in the hell did they get that information and then call on a Sunday?!

They are calling everyday of the week and all times of the day. They ask for me in my maiden name but I have never had a credit card only my ex husband. Not sure how they got my cell phone number because it is in my parents names.

no message-they just hang up when I answer the phone

You're not breaking off communications, they still have the good old post office to communicate through. Which should be their first course of action, NOT their last! PUT IT IN WRITING

If you have ever left your cell number as a secondary contact number with any business or hospital, they can get it because they have access to those forms.

They called my home attempting to contact my ex-husbands son.( We've been divorced for 18 years. )

Answer the after two (2) rings and then hang up (fax machine similarity) they might keep calling, but they won't get any additional info

they keep calling me. I dont answer. I dont know who it is. They dont leave message. Lately, I have been getting all kinds of calls fron everywhere. mI always do a search and write a complaint. One woman from a 702 area code told me I had 24hrs to return her call. She has wrong number first of all, and leaving that message is not legal. I contacted the attorney general, they said any and all debtors have to contact you by mail and you have 30 days to respond. Im on disability,  This is getting to be annoying. They call all hours of day.

If you actually owe money, it's best to pay up.  If these people have the authority to collect a legitimate debt, that's one thing, but if they can't demonstrate via verifiable documents that they have the right to collect on a legitimate debt, hire a lawyer.  I had to do that once - some company claiming to be an attorney's office with rights to collect a suspicious debt actually sued me after I disputed the debt.  I hired a lawyer, and for less than $300, I had the case dismissed for lack of prosecution (no legitimate documents authorizing to collect existed).  My guess is that the clowns who own this number are of the same ilk.  If you owe money, pay up.  If you don't get a lawyer.