3096631245

well since you idiots are to stupid and obviously cant click a link here is the definition by BBB itself on good faith effort to resolve BBB found business made good faith effort to resolve complaint but customer not satisfied with business response
BBB found that business adequately addressed the disputed issues and made a good faith effort to resolve them; however, customer has informed BBB that he/she is not satisfied with the outcome. In some cases, business may have agreed to mediate or arbitrate the complaint but customer declined to participate in mediation/arbitration.
- See more at: http://www.bbb.org/central-illinois/business- ... I.zUarwnmA.dpuf

I think the quality of the shill posts for this company says everything you need to know about them. Random, incoherent and illiterate.

816 Eldorado Rd
Bloomington, IL, 61704
their address
http://www.wilberlanelaw.com/#!attorneys/galleryPage
theres a pic of him i mean what more do you want tell me ill find it

I can click.  And I can read.  "This Business is not BBB Accredited"

you would know you have to pay bbb to be accredited

dont believe me go try to be bbb accredited

Haven't found the Reply button yet, huh?

Here's the bottom line:  People who owe money should pay it back, legally and morally speaking.  Now, that said, collection agencies have to follow the law.  Posts earlier where they saw (in the same run-on sentence) that they both can't AND can suspend someone's licence over a debt is crossing the line.  Failing to send written verification of the debt and resorting to childish name-calling and insults (like you have already) also screams that the company is NOT on the level and thus deserves no respect and the utmost scrutiny.

i never said you had to respect them but note thats info i found i did this spite some telling me that my company is a scam and i think this website is a bunch of hear say from ppl to lazy to do their own research so actually thats the bottom line idc if these ppl called you names honestly who cares get some thicker skin if you cant take name calling

>>> idc if these ppl called you names honestly who cares get some thicker skin if you cant take name calling


Because [insert deity of choice here] forbid you A) neglect to use ad hominem attacks when calling someone's home and B) follow FDCPA law.

Go away, troll, and back to the broiler room with you. Your BS lies won't work here.

did i once argue that they were nice ppl following every law????????? no i said hey they might actually been somewhat legit and here they are so do what you want with the information im not sticking up for them im pointing you lazy pieces of work in the right direction.

if theyre breaking fdcpa you now have an address get your recordings and sue them btw your welcome for the work that apparently no one could do since 2007

take their address take their phone number get some recordings and sue them!!!!!!!!!!!

And that, is exactly what we will be recommending to the folks who post on this number from now on as per the FDCPA laws..

Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
****************************************
A Collection Agent May Not…

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer’s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.

Please file reports with your State Attorney General, the FTC & FCC...
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action

Also read up on the laws and your rights:

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

You must work for them!! U are full of it!!

Woke up to see multiple missed calls from this number at a totally inappropriate time (glad I sleep with the ringer off), and since I never answer strange numbers I googled it.  From what I can tell this looks like another scam artist, because first & foremost legit companies do not resort to this kind of harassment tactics and they sure as hell don't bother with coming on to this little forum to defend their business practices.  I have to say seeing that is a first for me. I'm sure this is for my ex who has a sizeable debt (I still get calls once or twice a year by some bottom feeder trying to collect on it).

But let's go ahead and play Devil's Advocate here and (laughably) assume they're a totally legit company trying to collect a debt. I haven't spoken to anyone just see the numerous missed calls at an inappropriate time. This alone is a violation of the law, but I digress.

People should quit worrying about these bottom feeders because what they do is buy old debt off of larger, more legit companies once those companies have run out of options and this company hopes to make a living by strong-arming people into giving up money that larger, more professional companies were unable to get via legal means. Why else do you think their tactics are so rude and aggressive? Because when you have no leg to stand on nothing beats being an [***] and making up lies.

Although I have to give them kudos for their unique [***] approach of claiming to be able to revoke your license. Unfortunately for them, and I'm sure it depends on your state, but I know for a fact that in my state there is no legal mechanism whereby a law firm (even a legit one) can have your license taken away or have you arrested simply because of an old debt.

I have survived all these year's worth of debt collectors lying to me saying I am responsible for my ex's debt, despite never being on (or aware) of any of the accounts, and no matter how aggressive they get or grandiose their lies it all amounts to nothing in the end because if the big, bad banks like Citibank, Chase, etc with all their power & resources were unable to drag any money out of my ex then why the hell would any rational person think some ambulance chasing bottom feeding "law firm" would be able to buy the debt and then magically pull it off? The whole reason the big banks sell off the debts to begin with is because they ran the numbers and said "@#&$ it, it's not worth the time and effort".

Companies like this only make money when they convince you their lies are legit, which makes this a scam.

This is a real law firm. But they are rude and unprofessional. I tried to settle my debt with them but they refused to set up a payment plan because they say I had to pay the whole $8,493.42 in full. Then they suspended my license I lost my job and keep getting harassing phone calls and letters. They don't want to collect they just want to cause hell in peoples lives. Right now I'm still unemployed with four kids and no license because of their law business techniques.

How long have you been working this scam? Does lying on the internet pay well? We can only hope you're lying about breeding too, but since you're lying about everything else ...

ROFL.. Nice try Shill, but no awards for you today!  BTW, did your boss also forget to send you the memo on shilling be illegal also?  Clear violations of the FDCPA law, not to mention TCPA can cost them more then a person owes.  

What happens when you shill..
https://800notes.com/forum/ta-88747d175513656 ... 717404327882938

A Summary of Your Rights Under the Fair Credit Reporting Act  [PDF]
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know

And file those reports! If need be, see a attorney!

https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2
http://www.consumerfinance.gov/complaint/

Google the name of the firm...it is all right there in black and white.

I got into an accident with a client of theirs seven years ago. They suspended my license & I supposdley have to pay three hundred to get it back. Can they even do this????? It's been how long & they are very rude. Can't I just call the dmv in my area to find out what is going on?