3032187550

Hey guys I work here at the office of P. Scott Lowery... First and foremost, I hate this job. Lowerylawgroup.com is the url. We're at 4500 Cherry Creek Drive South, Denver, CO. 80246... We have people callback to the 800# so it can be toll free, but yes we are obviously in Denver so that's what will show up on our caller ID. Just tell us to send the VOD (verification of Debt) and we can't do [***] until we get it (about 3 months). We ARE a collection agency with 4 attorneys here in the office.

called today with an important message for me. when i got someone to answer my call, she [roceeded to tell me about a debt from Tribute gold card (?) that I supposedly owed. when I tried to explain that I had never had such an account, she didnt want to hear it. said "I can see thhat you are not interested in clearing up this matter and I will be turning your file over to our attorneys for further action". I told her to please do and to send me some proof of this debt. She then quoted a date about 20 days ago that it was mailed and told me that if I would check my mail more often, I would have it. I politely told her that she has no idea how often i check my mail and should not make such accusations. she then said "you people are all alike" and hung up. Sounds like a real nice bunch of poeple!!!!!!!

Called asking for Amelia.  This is the second time someone has called for an Amelia.  Told him I don't know Amelia, this is my private number, and perhaps she had previously had my number before.  He then became irate and asked what my name was, which I refused, saying this was my private number and I had nothing to do with who he was looking for.  He then told me I was "hindering" his investigation by not telling him who I was.  I said too bad.  He just made some comment (though it was under his breath), that he would have to find another way to proceed and figure out if I knew Amelia. He hung up.  Oh yeah, he told me his company had never called before and ARGUED about it.  Sounds fishy, don't give them any information.

Their answering machine call asking for the wrong person. So when the lady came to the phone and I told her she have the wrong number. When I was about to tell her don't call my house anymore the scared b--ch hung up. This is a old dead beat company debt collection agency.

I got several automated calls from this number and another number. both numbers belong to a P. Scott Lowery law office. I had a credit card that I had settled in december of 2007 and the company didnt close out my account and instead forwarded my account on to collection. I would recomend calling them back and find out why they are calling you. I did and the man I talked with fixed my situation with them. My point is call and see whats up.

someone called and left a msg. on my answering machine for my ex-wife who I divorced 14 years ago. they are a b.s. collection agency based on the information I've retrieved online. tell them to go f**k themselves

I have gotten two phone calls at my place of business from these idiots looking for my ex-husband's ex-wife.  The first time I politely explained who she was to me and that I have no connection with her.  Today I wasn't as nice.  I asked why the hell they were calling me and was told that I didn't have to be rude, that it was public information.  I then asked how my business number was associated with her name.  He then responded that I showed up as a possible relative.  I again told him that she was my ex-husband's ex-wife and that I had no relationship with her and not to call me again.  I'm going to send them a ceast and desist letter.  If they call after that, I will report them to my attorney.

Odd. You do not offer any real advice like people can request debt validation as per their rights under the FDCPA.
Seems you went right for the jugular trying to extort people may not even owe.

That should say: extort money people may not even owe.

Have received two voice mails on my cell phone from this number.  I called back and it was the Lowery Law Firm.  Receptionist told me my cell number was not in the system and I was called by mistake.....smells very fishy!  Initial greeting on return call was a link to check account status at www.lowerylawgroup.com  I suggest not providing any personal info anywhere as this has the feel of a scam.  I have no unpaid debt and don't use credit cards....beware!

I got a call this afternoon from this group, the second call in two days. They are asking for a woman by the name of Jennifer B----- (my name isn't even close to Jennifer B-----). I have told them on two occasions that they are calling my cell phone, I have had the number for almost 7 years, and that I have no idea who Jennifer B----- is. They then begin to threaten me into giving them information about this woman and myself and our relationship. I believe this woman had my cell number before it was recycled as I used to get calls for her all the time when I first got the number. All of those previous callers (collection agencies) complied with my request not to call back.
Well, it gets better. Then, 10 minuites after they called my cell phone they called my work direct dial number. I have no idea how they would have gotten my work direct dial number. The extension was created specificaly for my company 2 years ago and was brand new. I have NEVER listed my work number on my cell phone account. How they came across my work number is completely beyond me. All I know is that these people are a terrible combination of stupid and malicious. Don't let their scare tactics scare you into providing information. I am reporting them to my state do not call registry for a direct violation as they were already notified not to call.

what if you have valid debt and this company has contacted you?  What is the best way to handle it?

Getting calls from these number(303)218-7550 or (866)202-0024 almost daily, but most of the time doesn't leave a message. If it did, just getting the tail end of the AUTOMATED message. Really annoying. I wish it would stop. I ran my credit annually and don't see anything negative against my credit.

This office has been calling my home several times a day asking for debt repayment.  When I state that I cannot address the debt yet at this time, but could possibly do so the following week, they persist and harass me and want a postdated check for more than five days ahead.  they call me several times per day even when I have spoken with them  Today they called my neighbor and insisted that she come over and give me an urgent message to call them.  When I asked them about this they said it was merely to check if I really lived at the address they had.  But my neighbor said they identified themselves, said she lived next to us and said they had an urgent message and she must contact us immediately.  ILLEGAL!!!! Check FDCPA section 805.  What a company!

So glad I looked this company up on the net.  They have been  harassing me and my husband for weeks, multiple daily calls, even when we have already talked with them.  Today they called my neighbor and said she must deliver an urgent message to me to call them. When I called and complained they said they were just checking my address.  However, they did not say that to my neighbor.  They said they knew she lived near me and they hadn't been able to reach us and could she deliver an urgent message to call. Poor woman ran right over with a note, worried that it was an emergency.  This is illegal!!!  See section 805 of the FDCPA. I've been investigating the company since.  BEWARE!

I have a message on my answering machine every day for the past 3 weeks from the "Lowry Law Office". However, they apparently are looking for someone I never even heard of. Obviously, they are calling the wrong number, but they will not stop calling. I am not about to call back to some 866 number for something that could be some sort of scam.

I am getting this call from "Scott Lowery Office" Because of a bank of America credit card I owed. I got my first call today so I will probably get more, however under the FDCPA Section 805 Part C you may write a letter of "Ceasing Communication" and mail it to:
Cherry Creek Corporate Center
4500 Cherry Creek Drive South, Suite 700-710
Denver, CO 80246

They must stop all further communications with you, and only
certain things they may contact up about.

That is indeed correct!  We have been fighting with this "firm" since 2006 and now our credit report has been scarred by this fictious debt that this firm has yet to prove actually exists.  In fact, the debt that they claim that we owe is beyond the statute of limitations for collection.  We have even had an attorney involved and yet they still continue to harrass us with phone calls.  Why they can continue to "legally" conduct this type of business is beyond me.  Why any one with any type of conscious could work for an organization just floors me.

Obviously you need a new attorney - one that is qualified to handle debt collection issues - not all are.   WWW.NACA.COM FOR QUALIFIED ATTORNEY'S!

its illegal to post fraudulent info on your credit reports - its a violation of the Fair Credit Reporting Act.  YOUR ATTORNEY SHOULD BE FILING A LAWSUIT AGAINST THEM!!!!    



 P Scott Lowery, P.C.

1999 Broadway #2170
Denver, Colorado 80202

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Bud Says                         Consumer Comments Below

Founder & owner of Con-America Debt Collector & lawyer Phillip Scott Lowery deserves ALL of the credit for the misery inflicted by his CON-AMERICA organization.

His network of law offices (franchises?) collect on defaulted consumer debts purchased for fractions of a cent, is infected with goon-style collection tactics that defy state and federal laws. His commission-driven collectors will lie, threaten, intimidate and exploit you to line their pockets with your money. They consistently fail to respond to FDCPA & FCRA disputes, place bogus and inaccurate information with the credit bureaus, then lie about it.

If you are having a problem with his collectors, let him know about it.   Contact:   slowery@collectamerica.com
Phillip Scott Lowery (P)
Arthur Todd Lowery
Erma J. Lowery (S)
Brian L. Johnson (T)

NO ONE SHOULD EVER BELIEVE ANYTHING REPORTED BY CACV-COLLECT AMERICA. Collect America is why we have laws like the FDCPA to regulate collection agencies, they are the garbage can of debt collectors! NEVER give them any information on your bank/credit accounts, or post-dated checks...YOU WILL REGRET IT!! This operation is a sham!!

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY
Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

We just got a call from the above mentioned number, but we didn't answer it. We get calls from other bogus debt collectors all the time, and have seen reports on television about their unscrupulous tactics, and are immune to their foolishness. If they keep calling though we will send them a cease and desist letter, and if that doesn't work, we'll take legal action!