916-295-6094

Didn't recognize the number so let it go to VM. They left no message so it likely wasn't important enough to leave one.  BLOCKED to make sure they won't call again.

After initially blocking this number earlier they called again later the same day.  It turns out that it is a robo-call programmed to continuously dial your number up to 14 TIMES before quitting.  Luckily my blocking software hung up on them within a split second each and every time.  I hope they get my message this time.

This number is ecmc, they resolve federal student loan default. But I don't have a loan

ECMC GROUP AKA EDUCATIONAL CREDIT MANAGEMENT CORPORATION AKA PREMIER CREDIT OF NOTH AMERICA, LLC. AKA ZENITH EDUCATION GROUP
Posted in:  https://800notes.com/Phone.aspx/1-916-295-6094
Web site lists no way to contact them but a web form:  https://www.ecmc.org/borrowers/index.html
http://www.premierecredit.com/About-Us/
http://www.zenith.org/us/origins/
BBB gives them an A+ with 113 complaints:  http://www.bbb.org/minnesota/business-reviews ... ale-mn-20001771
None of the above named entities are licensed to collect debts as required by Minnesota law.  They are not listed with the Dept. of Education as a collection agency or a loan servicer.
Somehow or another they are listed with the Minnesota Dept. of State as a nonprofit:
EDUCATIONAL CREDIT MANAGEMENT CORPORATION
Business Type
Nonprofit Corporation (Domestic)
MN Statute
317A
File Number
1K-330
Home Jurisdiction
Minnesota
Filing Date
03/04/1994
Status
Active / In Good Standing
Renewal Due Date
12/31/2016
Registered Office Address
100 S 5th Str #1075
Mpls, MN 55402
USA
Registered Agent(s)
C T Corporation System, Inc.
President
David L Hawn
1 Imation Place, Building 2
Oakdale, MN 55128
USA
Comments
Corp holds RN-21861

Bloomberg lists the head criminals:  http://www.bloomberg.com/research/stocks/priv ... capId=130199388
And another criminal:  https://consero.com/wendy-badger-chief-compliance-officer-ecmc-group/
Looks like they plan on stealing more money from students through this acquisition:
http://www.huffingtonpost.com/davidhalperin/e ... _b_6193088.html
Other complaints:
https://getoutofdebt.org/90498/ecmc-group-inc-cfpb-complaint-1294448
Eye opening story:  http://www.nytimes.com/2014/01/02/us/loan-mon ... udent-debt.html
Looks like they have been sued:
http://www.law360.com/cases/51fa8e5a78948948c5000001
http://www.lb7.uscourts.gov/documents/12-3592.pdf
http://paoluccibankruptcylaw.com/assets/douglas_wallace_student_loans.pdf
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) 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.
Read up on your rights here, get template letters to send 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:  http://consumerfraudreporting.org/stateattorneygenerallist.php
Also file here:  Minnesota:http://mn.gov/commerce/consumers/file-a-complaint/file-a-complaint/