440-735-5100

Far too many comments in this thread are misguided demands either for others to "make them stop calling" or "stop calling" pleas made to the company, which cannot take any action based on anonymous posts. Controlling inbound call traffic to your personal phones is YOUR JOB, not mine, and not for anyone else who happens by.

A "bully and bluff" debt collector has little incentive to obey verbal demands. I'm sure this agency has an address and you have ink and paper. Use them and USPS Certified with return card to be heard loud and clear. You have a right to limit or ban phone calls from third party consumer debt collectors, and more critically to seek debt validation and to be free of abusive treatment, courtesy of state and federal laws.

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

In other words, let's blame the consumer victim and pretend that hostile debt collectors are persecuted for "just doing their job", insinuating that alleged debtors don't know the meaning of honest work. Frankly I would rather live on SNAP cards than perform the shakedown service which usually masquerades as "asset recovery".

There is no "initial debtor" or "original creditor", and I'm stunned to see that mistake made by someone claiming to be part of the collection industry. Your comprehension of "responsibility" is typically slanted and often as faulty as your horridly spelled run-on lecture. Agencies don't have a problem finding every relative and "nearby" and ex-spouse of a targeted person, yet pretend that the intended party has vanished like a ghost. There is no consumer duty to notify creditors (and not "notify you debts") of address changes, and if such a rule did exist it would be impossible to obey in the current environment of resold junk debt.

Let's not also pretend that dunning letters allegedly gone missing and bad skip traces are the only problems your shop generates. Don't scold us that we "should not try to hurt someone's career" when your job toolkit includes deception and terror. Cross the wrong victim and you have no place to run and cry when your name appears after the word "defendant". "You lost the option" for sympathy the moment you valued profit more than a person's rights.

I answered the phone on Thursday and was able to hang up confirming I was not the person they were calling-Bob Smith. Today, which is Friday, they called again leaving a message on our answering machine. We were not home so  being unable to hang up on them the robotic caller claimed we were confirming we were "Bob Smith". The caller was about to leave personal information about that person on our answering machine so I hung up. How unethical can one get as to leave that kind of information on an answering machine. If I were that person I would be talking to an legitimate attorney about a lawsuit.

I suspect you do not have the backbone to answer anyone here.
Nonetheless I am going to comment. I have always paid my bills. However that has not stopped these crooked operations from calling my number because their information is not up to date. I tried to tell them they had the wrong number. But that did not stop these creatures from calling. So forgive me if I find you hard to believe.

Don't forget to check into a space station near you. But I would not try one mentioned on those TV shows.

The FDCPA directs debt collectors to make ''meaningful disclosure'' of their identity to alleged debtors yet respect the privacy of whoever is named on a debt account. Those two mandates collide when they decide how to handle message recording, since there is never a full guarantee the intended party is listening.

A decision made 6.7 years ago in the now famous Paul Foti vs. NCO lawsuit essentially penalized NCO for trying to have privacy and disclosure both ways. This forever altered the industry approach to phone messages. It is now common to hear variants of two disclaimers, the first being "hang up now before we give up the big secret", and the next being "since you kept listening you admit to being the person we want". Naturally this is absurd and frustrating for both ends of the phone line. It must still work on some judges or the practice would be passe by now. Others insist that you can't break one law to satisfy another.

The FDCPA has yet to be amended to solve this dilemma. The FTC has only suggested that agencies don't have to record messages at all, and many won't. Unlike the FTC, the CFPB has rulemaking powers, and will hopefully get around one day to overdue legal renovations.

Posted at:  https://800notes.com/Phone.aspx/1-267-234-7104#p803635450108926487

Called my phone and left three messages so far:  two messages were some horrid music a pause, "Please continue to hold",  more horrid music "Please continue to hold" and then disconnected.  Why should I "continue to hold since they called me and not the other way around?
The third message was for someone other than me.  It was a company called:McCarthy, Burgess & Wolff.  The girl said that it was for a bill from Verizon (an obvious violation of the FDCPA) and to call 440-735-5100.
Here is what I have found out about these criminals"
The are scumbag debt collectors from Ohio:  http://www.mbandw.com/
Their BBB page lists an A+ even though they have over 90 complaints:  http://www.bbb.org/cleveland/business-reviews ... and-oh-28001847
Note that the BBB lists an additional company name with an alert on them:  http://www.bbb.org/cleveland/business-reviews ... nd-oh-92004884/
The street view of their headquarters:  https://www.google.com/maps/place/26000+Canno ... 91fb3ff!6m1!1e1
The Ohio corporate registration page:http://www2.sos.state.oh.us/pls/bsqry/f?p=100:7:0::NO:7:P7_CHARTER_NUM:554990
Ohio also has this company filing from 2000:  http://www2.sos.state.oh.us/pls/bsqry/f?p=100 ... TER_NUM:1178452

} In other words, you find bully tactics acceptable.

No, the commentor presumably quoted the agency's promotional copy, following a statement of protest.

The $1K is a maximum statutory damage award per action, not per violation. The Act is "all you can eat" for violators in that regard. Actual damages are unlimited, though the circumstances granting them are not. Quiet settlements and consent agreements can be for any amount, however.

FDCPA § 1692k. Civil liability
http://www.law.cornell.edu/uscode/text/15/1692k

Your boss could have quit laughing long enough to tell the collector to stop calling the workplace. Anyone at a PoE can do so, and the agency must obey. Meanwhile, it was up to you to send Certified Mail demanding validation and setting whatever restrictions you like on contact. Not having money to pay is irrelevant. You will find money if you're bullied enough, goes the theory.

To halt the misfired skip trace calls, laying a paper trail is far more effective than verbal denials. My advice for "not me" cases is found here:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls

} don't these people EVER have to answer to anyone

Yes, if *you* bring the offenders to account. The CFPB, FTC, and attorneys general are all waiting for your reports. You can sue the agency yourself if your rights are denied.

} I am also on the Do Not Call List

You are not, your phone number is, and it's irrelevant. The federal Do-Not-Call registry exists to help enforce the Telemarketing Sales Rule. Please note the operative term ''marketing''. A debt collector is not a sales person and is therefore not covered. The few remaining state lists share this limitation. Here are the DNCR service terms you were supposed to review at registration time:

National Do Not Call Registry Q&A
http://www.consumer.ftc.gov/articles/0108-national-do-not-call-registry

You are a bit of a fool if you think that everyone you call owes a debt.  You are even more of a fool if you think you can prove that everyone you call owes a debt.

You are right that FDCPA does not govern commercial debt.  However, collections must call a business entity not someone who works for the business but the business owners/executives or other legal representatives.  If the business dissolves such as an LLC then the business entity no longer exists and collections cannot hide behind the commercial debt position.  At that point if they continue calling they no longer have a business to business and then if they continue to call it does fall under FDCPA.  If they call anyone but the legal business entity the call falls under FDCPA.

So...David is more than a bit right.  If the callers for the collection agency is calling anyone BUT the business entity, they must comply to FDCPA.

Ryan, Ryan, Ryan,...silly rabbit.  In order to hide behind the commercial collection rules and not FDCPA, collections must be calling business entities.  If they have a business debt to collect and they call the wife of a manager of the business...they fall under FDCPA.  If they call the manager at home and he is not a legal executive, member, or owner of the business, it falls under FDCPA.  If the business legally goes out of business such as dissolving a LLC, there is no legal entity called a business and ANY calls made after they are made aware of the dissolution of the company, they fall under FDCPA and they actually no longer have ANY debt to collect because all assets of the company will be used to satisfy business debts based on a legal priority payment schedule/order.

Ryan, Ryan, Ryan,...at least you are a small part of partially correct.  silly rabbit.

If you are not a business entity (e.g. if you are an individual) and you sent them an e-mail asking them to never call your personal phone again, they have to stop.  If they do not, EVERY call is worth a $1,000 fine that you can collect.  They cannot hide behind a commercial to commercial collection ruling...if you are not a business entity.

Rang 3 times and picked up, nothing..  As with any of these bottom feeders that do speak, always tell them to send all questions and request by mail.. I have a very empty mail box.

Yea same [***] is calling me too with a private number

I have asked them to stop calling my home phone. They are ignoring my request.

The next time they call, demand a legitimate, physical mailing address in which to send a cease communication letter VIA certified mail with return receipt requested. If they refuse, let them know you will be seeking legal counsel who will get this information for you and file a lawsuit against them for harassment.

Marlowe Blackman, MacArthury burgess and wolf... I have no debit they do not ask for the person they inquire.. 888-307-9691