346-250-7061

Joseph Ramos from Atlantic Recovery Solutions.  Called me at 7:21am

Well that would be a violation of the FDCPA since they are only allowed to call you from 8 am to 9 pm your time.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

ATLANTIC RECOVERY SOLUTIONS, LLC. AKA ARS WITH POSSIBLE AKA NAMES GREYSTONE RECOVERY AND LEADING EDGE RECOVERY SOLUTIONS.

Website gives a PO Box in western New York, world’s #1 capital for criminals pretending to be debt collectors:  https://www.atlanticrecoverysolutions.com/contact

BBB gives them an accredited A- rating with 133 complaints and 27 negative reviews with 2 paid for positive reviews as of 1/28/2022:  https://www.bbb.org/us/ny/getzville/profile/c ... -0041-235971661

New York Dept. of State info:

________________________________________
Selected Entity Name: ATLANTIC RECOVERY SOLUTIONS, LLC
Selected Entity Status Information
Current Entity Name:    ATLANTIC RECOVERY SOLUTIONS, LLC
DOS ID #:    4335819
Initial DOS Filing Date:    DECEMBER 20, 2012
County:    ERIE
Jurisdiction:    NEW YORK
Entity Type:    DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
ATLANTIC RECOVERY SOLUTIONS, LLC
33 DODGE RD
STE 108
GETZVILLE, NEW YORK, 14068
Registered Agent
NONE

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/