404-665-3172

A man who left his name as "Mr French" left a voicemail on my office phone telling me there was a "problem with my social security number and my bank account" and I needed to call him right away.  When I called him back he phished around trying to get me to confirm my last name, the final four digits of my social security number, and my address by asking me to comfirm the wrong information.  I simply told him "no, that wasn't my last name, or my social security number, or my address" but did not give him the correct info.  He never stated what he wanted and I hung up on him.

i just received the same call

Hey I just got this same message from Mr. French left on my voice mail at work.  He left same message about two months ago at home.   What's the deal.

This guy named "Mr. French" called harrassing me and my girlfriend saying there was a fraudulant claim against me. He never gave a company name or said what the case was actually about.

Just got 3 calls from Investigator Tate. She claims she can't tell me anything in a voicemail. I quoted the Credit Act in a message to them and haven't heard from them since. When I was returning voicemail messages, I could never reach an actual person. I always got a voicemail system.

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

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

Just got the same call from an Angela Cunningham. Actually it was a voicemail, saying my Social Security number had been red flagged. When I called the number back, after four rings, she did pick up...no company name or anything.

I just got the EXACT same phone call Miss M. These people are hilarious
Get a life :) I ignored and deleted the VM and plan on doing that every time!

Yes I got the same call saying my social security number just landed in her office...

This lady goes by many different names.  Today she is going by the name of Mogan Taylor.  She is a bill collector scum that works at some supposed law firm.  Her number is 404-665-3172.  She continuously calls my job harassing me even though I have asked her not to call me at work and given her my cell phone number to call me from.  I know my rights and have told her my rights but she does NOT care.  I have filed a complaint with the Federal Trade Commission (FTC).  I told her and she doesn't seem to care.  She threatens me that she has called or will call my Human Resources Department and "report me".  Report me for what?  I don't know....  I hang up on her and she continously calls.  Today she called me 10 times in a 2 minute period!  I urge you all to file a report with the FTC so that she will stop harassing people.

Well I should of read theses post before. I have been having so much money coming out of my bank acct for the last month in a half. I thought it was a bill I owed. She will tell you that they will be turning it over to the courts if you dont'pay this.. Her name is Morgan Taylor and her number is 404-665-3172.. I stopped the payments last week and now Im glad I did.. She is a scam big time and I truly hope they catch her..

I recieved a message on my voicemail today. She stated that her name is Morgan Taylor and that my social security number has been red flagged and ended up in her office.. I did not return the call. I figure if it is truly an important message I will recieve a letter of some sort in the mail. I want to know how these people get cell phone numbers anyways. I always use my home number for any financial transactions and she has never called that number.

Received call from Morgan Taylor who said she was with Delanore, Kemper & Associates.  She was trying to reach my son about his SS# being red flagged? I asked her what that meant and she said they wanted to see if someone else was using that SS# or if my son was.  She gave me this number and asked me to have my son call her.  I immediately put the number in the computer to try and find out if this was legit or a scam.  What's bad is this is the second type call I have received this week, the other was for an ex daughter in law, claiming she had broken the law but it was from a Victor Gage who claimed to be Chief Investigator of Credit Recovery.  When I checked this number out it was attached to a Devon Rookard and an google search showed an apartment building with a pool and tennis court.  I reported it to the FTC and will report this one too.  You can't be too careful in this day and age.  I don't care if they are a legit bill collector if they are going to lie then they need to be stopped.

Well I got the same voice mail and she is calling my place of work. This Mogan Taylor is a scam artist. I have kind of dealt with this type of thing in the past. Others trying to do the same thing. I would call my attorney generals office or the (FTC).  Because they get some of your info off the web if you do any kind of business over it.  Thanks for listening lj.

Just received a call from Morgan Teller.  She left a messages stating that my social security number landed across her desk, and I needed to contact her regarding it.  

I'm so glad I decided to search the number and found this site.  I would have returned the call and given her who knows what kind of information.  The only thing I would like to know is, how and the hell did she get my unpublished number, because the phone is not even my name and who did she know my name?  Is this a result of computers being stolen from a check cashing place about a year ago?  I don't know how she could have called me on my roommates telly number...hmmmm!!!!

Just received 3 calls from this phone # in a matter of 10 minutes, never left a voice message. I have had in the past received messages from this # saying that my name is in my local court for bank fraud and that I should contact her immediately to clear this up.  I knew it was a scam,  I have been getting calls for this same thing since October, 2009.   I have reported this to my state senate, attorney generals office and the better business bureau.  I believe that my identity has been stolen from these people,  how they got my info in the first place I do not know.   The IRS has contacted me regarding my 2010 tax refund saying that I have submitted 3 returns for the year 2010 which I did not, the 1st one was in Feb of 2011 and the 2nd was late April 2011.  The 3rd was the one that I have filed jointly with my husband on April 13th, 2011 which is the true one.  Please be very careful, they will stop at nothing to destroy your life.

 The IRS has also put an identity theft alert on my filings for the next 5 years,

A lady by the name Valerie Sanders has called my job and my cell saying my SS# has came to her desk as RED FLAGGED because of a debt i owe and that if i didnt pay today that i would go to Jail. This is a african american female making this phone call from the same Number listed on all of these post.....Ive made a police report and i've also contacted the credit bureua.

stated my SS# was red flagged on her desk

I received a phone call from "Investigator Allis" saying all of the same things you all have said.  SCARY as hell!!  These people are ridiculous!  Glad I am not alone in this.

a man named Earl Jones calls from this number and says he is with the Civil Claims Court nd has been asked to file a Summons & Complaint against me for Depository check Fraud and Theft by Deception.  Left this on my work phone.  Also said if i do not contact him back i will be arrested.  How do i stop these people?