303-813-1601

i call them everytime they call me......sooner or later they will stop.

Fritz84, please read my previous posts and go to this link at wikipedia and get educated and empower yourself against the abuse you are getting from Wyse Financial services, they have very few rights and therefore take advantage of our ignorance of the law to intimidate and get info or money from innocent people. Don't be afraid of any of them.

http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act

http://www.debtorboards.com/index.php?topic=193.0  (can I afford to sue them?)

http://www.debtorboards.com

(Many thanks to forum member "lament" for this info...

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!

Don't live in fear, get educated and empower yourself and FIGHT BACK!!!  

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/First.htm
   
Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
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.
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
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

To all: this is from Wyse's under construction website, get to know these people and what they do is a HUGE business. Once you read this you will have looked into the unprincipled minds of these DEBT COLLECTING CARPETBAGGERS. Some of the tactics they brag of explain precisely why Wyse and other agencies keep calling the wrong and innocent people over and over. Know your/our enemy then sue them and WIN...

Why Wyse Financial?
First it is important to understand why our collection agency can collect money that continued in-house efforts could not. It's called third party intervention, and it consists of 3 elements:
1.) Intensified demand. Debtors believe collection agencies have resources beyond those available to other companies.
2.) Negative image of collection agencies. Collection agencies are perceived as relentless and utterly serious about collecting money. Having that image gives us a tremendous amount of leverage to work with. Using the sales approach we develop a relationship with the customer listening to them yet re-emphasizing to not only pay our client but to pay our client first.
3.) Implied effect on credit standing. Third party involvement implies credit rating may suffer. WYSE Financial reports to Trans Union, Equifax and Experian.
TECHNIQUE - Our collectors are trained to impact debtors with the urgency theory of collections. Balance in full is always the priority demand. Payment arrangements are only negotiated with cooperative debtors who have on history of broken promises or NSF checks. Our collectors are trained to ask a battery of questions, which will aid in any future need to skip trace or locate assets.
SKIP TRACE - Any debtor who cannot be contacted by telephone is processed through skip tracing. The following resources will be used on all skip accounts: Directory assistance, multiples (people with the same last name), references, "nearbys", credit reports and Acollaid Information Services. We also have the most advanced telephone system that provides us with ANI information.
LITIGATION - The legal system is the most practical collection tool when utilized properly and in a timely fashion. WYSE Financial uses (3) different law leagues, which cover all (50) states. We will recommend that suit be brought against any individual who refuses to pay where income and/or assets exist. In such instances, WYSE Financial will require an increased contingency fee. However, no advanced court costs or attorneys fees will be required.

Get this number on caller id at least once a day for last 3 months. Even on holidays.  No message so I don't know why they are calling.  Looked up number, Wyse Financial out of Denver.  I have no financial dealings with this company, nor any bills in collection. Someone used to have my number maybe 7 years ago, still get calls for her periodically, maybe someone looking for her??  Wish they'd quit. I'm on do not call list too.

Theyre calling here asking for my husband but they really want his son....same name but different middle names. When I tell them they have wrong # and want the son they are extremely rude when I won't give them a different # to contact. Last time they called , he gave his name as Anthony Jackson and I must admit I told him where to go and what to do and didnt mince words

well these people have been calling constantly for someone who is not residing at our number. we're so tire dof it. i called both toll and non-toll numbers and told her I would start bugging HER! I told her to stop calling that number that the person they wanted was not there EVER! "Have a nice Day" is all I get.

This company called me on 10/4/10 and wanted to discuss a amount owed to their client. I needed additional information from this account as it was 6 years old and I did not believe it was valid. The first women I spoke with "Shelley Johnson" hung up on me. I called back and spoke with a female with the last name "Green", she was very rude in her tone, as I was trying to understand what this account was generated from. After having enough of her blatant  disrespectful tone I asked to speak with her manager. A Mr. "Scott Sevens" was just as rude or even more so! Watch out for this company, if the call me again and speak to me in that manner, I will be calling to file a harassment charge. It is against all human rights to speak to people the way that I was spoken to! WATCH OUT!!

Yes, I got several phone calls from this # 303-813-1601, it's like non-stop, within matter of 30 minutes of each phone call. how can I stop it from calling?

It is a collection agency and a very nasty, nasty one! As per the FDCPA, You can request verbally that hey stop calling and mail you all correspondence. As per http://ag.ca.gov/consumers/general/collection_agencies10.php

I got a call from a number and they tried to identify themself but hung up before I got a name. The first call was a man and then the next day the same thing but it was a woman. I called my local telephone company and they told me it looked like a collections agency. I said that was fine if they needed to get a hold of someone but don't hang up. If they talk it is one thing.. but to call and hang up is another.

Wyse Financial- Same as NCO Financial. Same scum, just using another name

they call and don't leave message or they say call for important message.
first i blocked there ass number.
then i started calling and when they pickup i hang up on thier ass.
i called 60 times today and i had fun.
this is the way people.learn how to block the number then keep calling and hangingup
LOL LOL LOOL