336-354-0110

What about the many phone calls collection agencies make, calling for someone that clearly does not exist at the number you have contacted?

FYI, we have been receiving another parties collection calls for the past 5 years, from various collection agencies.  It is not our fault we got assigned a phone number, that once had been assigned to someone, such as the 'shady contractor', who doesn't pay his bills.

I don't know how many times one must keep repeating themselves, telling the caller that the person they are attempting to contact does not exist at the number they called.  Your agency and other's can keep calling, asking for someone we don't know, you are just wasting your time and our time.

Check out http://budhibbs.com/
http://clarkhoward.com

I am not saying 'Don't pay your bills'.  However, listening to all the callers on Clark Howard and other shows, from people who are contacted by collectors, I always hear the reply about 'Statute of Limitations'.

A collector must provide documentation when requested by the person they are collecting on.  They are obligated to provide that to you, within 30 days, according to the Fair Credit Reporting Act.

Clark Howard has mentioned, let a collector take you to court.  Majority of the time that person fails to show up or the judge orders on the Statute of Limitations and they lose.

First off, it is illegal for any collector to call and make threats.  The police will not come to your door and remove items from your home.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

http://www.fair-debt-collection.com/rules/harrassment-abuse-tactics-6.html

Record all calls you receive from them, you can use an MP3 player that has a built in recorder.  If they leave threatening voice mail messages, save them.  You never speak with a bill collector over phone, always do everything in writing, via registered mail and never sign document.

I have a friend, who received a call a while back from another collector, stating that they had a warrant out for his arrest and that they have filed documents in a local County he never lived in.  He called the court clerk and there was nothing filed under his name.

All of this is to scare a person into paying, which is completely illegal.  You have every right to sue them and get them for harassment.

Most debt collectors who aren't following the law, have just as much debt, if not more, then the person they are contacting.

No sheriff will come to your home and take your property, over some pity collector who is collecting on some debt you have already paid.  Unless your home is in foreclosure, don't sweat it.

It is illegal for any collector to make threats, such as what they have done to you.

Save everything you receive from them.  Do not throw it away.  Take them to court and make them pay for the harassment

http://www.fair-debt-collection.com/rules/harrassment-abuse-tactics-6.html

Contact the Attorney General in the State which you reside.

It's tough times and many collectors are taking advantage of this and going after people.  Don't let them get to you, get back at them by making them pay.

Tired of being tracked by these people>parents are now dead but a family person listed my number and theirs on a application so they state they can't remove us.i aint hunting down anyone.

We have no idea how this person got our name and number.  He would not give any information about himself, and I did not get a good feeling about him at all.  I guess he thought that I was stupid enough to just hand out our information.

Brock and Scott along with all of the junk debt collectors should make sure the debt is valid and the statute of limitations has not expired before contacting debtors because they are violating the Fair Debt Collection Practices Act trying to collect on time-barred debt and can be fined up to $1,000.

B&S  gave us 6 different prices to catch up the arrears on a $275 a month house payment that went behind in March...it grew to , according to their figures, $6495.00 to over $8,000...one day alone they gave a figure of $7286.00 on the phone and $6895 when I got home in an email.

The phone call was the 10th I had made & finally got thorugh after being put on indefinite hold 9 times.

We drove 5 hrs there to Wimington NC to Oleander Blvd Office, observed what can be described as a telemarketing operation of over 50 cars in the parking lot at 8 pm and virtually a 2nd shift working there.

Went in te nex morning after cashing in an insurance policy & selling a car, & paid them $6505.00.

They then said they couldn`t give me any information as to WHO, WHERE & HOW Much the payment was & who to send it to . (it was a Washington Mutual Loan that had been absorbed by Chase after THEIR WM failure)

My neighbor works for a lawyer 5 hrs away & says SHE can`t get em on the phone

I found someone at Chase that says they can give me a detailed accounting of B&S`s charges,

rumored to be $137.00 for a copied from letter...and WHY the loan went from $275  ...to $683 per

month ...( part of the reason the US is  in this finaincial mess to start with ) plus I  hired an attorney to

look into them & have had discussions w my Senate &  House people...

NC Sec of State today  launched an investigtion into BOA......

B&S & those like them doin biz w BOA will be included..

btw..the lady w th  house payment problems is BLIND since 2004 & has problems with getting

disability .....

These folks have called my house several times looking ffor one of my daughters trying to collect her unpaid debt. They're not pleasant to deal with. I always tell them she hasn't lived with me for years. They'll ask for a number where she can be reached I say no; I ask what is the reason of the call to which I'm told is private, blah blah blah ... same routine over and over again. So with the last call I got we did the same song and dance,but I then ended my call with: ' sorry, but giving you any information regarding my daughter would be a violation of her privacy' and hung up as the the woman went off on me.

I'm not defending my daughter's wrongdoings. I've tried everything to get her to own up to her resposibilities, I just have no magic to make a 23 year-old adult to that. My beef with the collectors is that they harrass me because she listed me as a contact number years ago.

A few use a decent approach, Brock and Scott IS NOT ONE OF THEM!!!

I had a credit card that i could not pay and brock and scott bought the debt. Well i made arrangements with them in wrighting and they gave me a date to give them a down payment and them monthy payments after that. Well they DIDNOT give me untill the date that they agreed on for the down payment. I still I had two weeks to get them the down payment and they took me to court. I went to court and they didnt show and my case got dismissed.

Bullhead Investments, The Chanel Group and Comprehensive Legal Solutions are all affiliated (partnered) with Brock and Scott. The first 3 companies are all junk debt buyers. They buy large portfolios for pennies on the dollar and then use Brock and Scott to collect via the courts. Brock and Scott, along with their junk debt cronies have absolutely NO first hand knowledge of any of these debts. Basically, they buy the debts and get a name, an address, a credit account # and an amount. At that point, Darren Woods (whom portrays as the debt custodian for all 3 debt buyers listed above) gets the info and gives it to Brock and Scott to send Miranda Letters. Their Miranda letters are completely illegal as they use phrases like "The original Creditor has retained us" (Deceptive Lie) and refer to the "Original Creditor" as their client (LIE). They will then have an inflated amount due and proceed that if you don't make a payment, they will sue, win, get a default, and then order a Sheriff to go repossess belongs (all against the law).  Darren Woods will send you a pre-canned, fill in the blanks letter stating he "Solemn swears he is the proper custodian of all records" This is NOT proof of validation and verification. As soon as they send that out? They will submit the lawsuit summons to your county's court.

Brock and Scott win 85% just by default! When you get the summons, answer it within 30 days...If you don't? They automatically win, case closed. However, when you answer it? Send it via certified mail to them AND the court.  Ask them to provide you with your original signed contract, statements, when the last payment was made on the account. Send everything CERTIFIED! The next letter you will get is a statement from Brock and Scott/Bullhead/Darren Woods stating that they ARE the proper custodians blah, blah and then they will send out the paperwork for admissions and answers. DO NOT admit to any of it and just fill them out as "no comment or not relevant", then mail it back to them, and the courts. At that point, the next thing they will probably send is a Motion for Summery Judgment. DON"T FRET IT!  This will be a court date that you MUST attend, if you don't? They will win by default.

Keep an eye on the online public index in your home county. Google it or call your court to get the website address. This is very important because Brock and Scott are known for sending motions to the court but NOT sending it to you (the defendant). You will eventually see your court date being processed online AND you will receive the court date info in the mail from the clerk of court. At that point you will have a few weeks to send in last wraps. At this point, write a letter to the court stating

"I have received my court date and see that Brock and Scott is still pursuing legal action without providing me any validation/verification as I previously asked. At this point. I am still without the knowledge that they have the legal right to collect. Now that the hearing is upon us, I want a complete chain of ownership from the original creditor all the way to how it got to Bullhead Investments."

Improvise of course but you have the idea. When you go to court, it will be you and a paralegal. There will most likely NOT be an attorney from Brock and Scott. Richard Jackson hides behind a pen and his desk.
The paralegal will state her side and then you will get a chance to speak. The judge will have your paperwork concerning validation/verification and chain of ownership. Obviously, of they haven't sent it to you, the paralegal will not have it at court. The judge at that point will either 1) Dismiss the case, or 2) order a continuance for 30 days to provide the chain of ownership validation/verification.

If it's dismissed on the spot? You win, your done. If it gets continued? 98.2% of the time within 3 weeks, they will dismiss it per rule 41(a) because it will take way to long to get the chain of ownership and it will cost way to much in legal fees.

Now that you have won, take all of your paperwork (and the court paperwork from the dismissal) and seek out a consumer rights lawyer/or one that specializes in credit and debt collector harassment. Meet with the lawyer and discuss suing Brock and Scott for FDCPA laws that they simply ignore.

All of the above is from MY personal experience, going Pro Se and winning. My case was drawn out for 2 years but FINALLY got that court date. Once I got the case dismissed I talked to a lawyer and now the law firm has all my paperwork and a FDCPA lawsuit will be submitted soon.

Just remember, every FDCPA law they break? is a $1000 fine paid. Things to consider.
B&S saying they have been retained by original creditor
B&S using the word  "our client" for the original creditor
Continuing collection procedures after verification/validation hasn't been made.
Saying they will send a sheriff to repossess property
Not identifying themselves as debt collectors on the phone/in a letter
Collecting interest that they are not authorized to collect
Over exagerating the original amount owed....etc etc etc.

Heck! being that they send a miranda letter stating much of the above, through the mail via USPS can actually be labeled as mail fraud in a federal court.

Best of luck in beating Brock and Scott (although it's not hard) Just follow through and stay focused. Don't let anything pass by and always answer everything to the court, and NEVER miss your court dates.

Darren Woods, Richard Jackson, Montana, Brock and Scott, Bullhead Investments, The Chanel Group and Comprehensive Legal Solutions Bottom Feeding at their best.

I would appreciate a contact for the attorney that took up a case against these people. Could you help me out with such?

A female paralegal called me wanting information on a person I'm related to (xxx). She asked how to get in touch with xxx; I immediately demanded to know who *she* was and what was the reason for her call. She did not know my name or my relation to xxx; nor did she learn anything from me or about me.

She told me she was with 'Brock and Scott, a legal firm' but would give no further information. I asked how she obtained my number; she stated it was 'on a list' she'd obtained.

After asking her several other pointed questions (why she called, what was her purpose in trying to get hold of xxx, why should I give her any information, how she got this list), she became uncomfortable. I never told her anything useful.

I then told her to scratch my number off of her list, to lose my number, and never call it or me again for any purpose; and as I was hanging up on her, I heard her say 'Yes, sir!'.

That's what you want from people like her: abject submission.

If you get a call from any agent of Brock and Scott, always ask more questions than you answer.

You don't have to be nice. Give them absolutely nothing.

Tell them to never call you again.

One--get a real job.
Two--first collect the money from Wall Street
Three--When you're finished with that, call me.

Here is a great blog on blogger that I came across regarding B&S.

http://whytheaveragefamilyisindebt.blogspot.c ... -junk-debt.html

Your are nothing but a foreclosure MILL that is listed among the fraudters in bed with the banks doing all the fraud . So you also are commiting fraud upon the court thats the truth.

Also THE DEBTS you are talking about where fabricated by you and the banks you are nothing but a bunch off crooks making money the illigal way and more law suits are coming your way. We the homeowners are sick of your wrong doings and working on having you prosecuted.

I just received a call from this phone number on my cell phone and I believe they are probably trying to collect a credit card debt which I think was probably only for about $300, if that, from my deceased mother who was on a disability retirment, had no estate and lived with us until she passed away.  I think it is them, as I have received mailings and phone calls addressed to the estate of (my mother's name) trying to collect this amount as well.  I am under no obligation to pay my deceased mother's debts, so I just don't talk to them.  They can call and send mail to my home all they want.  If they want to initiate probate proceedings, more power to them, as the fee to do so in my county is approx. $300, so they would loose everything they are trying to collect, duh.