4693410107

If you are in compliance then you would immediately identify yourselves as debt collectors trying to collect on a debt not private investigators trying to locate someone.

Just received a strange call from HPlocate, after not answering it from seeing it on caller ID, it left message to have me call back 1-888-331-1437, which I did from another phone.  The responder, so-called Jason Warharlich told me he was a Rep. for a group of PI's., and other vague info'  Since he insisted on my giving the # he originally called to identify his "client" and, ie, the problem...It made me suspicious and I refused, and told him I would look him up on line...which led me here.  

Looks like unscrupulous practices to me...but please advise me more.  I am not in debt, and have only one unpaid ambulance bill I'm negotiating with Co. about.   I'm also curious as to why he called!

In response to Eric that works for HP locate, if you're not trying to harras people why do you keep calling me looking for my husbands X-wife.  If it's her debt call her.  We've told you several times we con't have the information you're looking for.  I'm reporting you on the do not call registry every time you call.

My husband, my father, and I have received the calls. So far I told the not to call and told my father the same thing. Hopefully it works. Even if I am in debt why would my dad pay it? Harrassing him doesn't help. This is so stupid! I know its just a job for these people, but where are your morals. Legit debt collectors don't call family members who have not co signed a debt. After all thats why they have that option.

This company (HP Locate) has continued to call our home 3-4 times a DAY for the last two months!  They are looking for someone we don't even know.  We assume it's someone on our street.  When you try to answer, most times no one is there.  I've tried just to get them to stop calling and when you call back the number they leave, no one is there.  I, for one, have had it and would love to get some class action going on them.  I know I am on the Do Not Call list, and I know they can call under the guise of being a PI, but really...how much is too much?  If I haven't called you back after 2 months of this nonsense, I think it's safe to assume I don't know the person or I am not going to give you information about them.

And... we now know that American Home Mortgage is their "client" and our number is correctly or incorrectly linked with this account...and also, that this supposed person lives with me, or might be a neighbor, or might just be someone they are looking for due to personal reasons...the story keeps changing with the messages left!

Calling looking for my daughter. Told them I cannot give info unless they are willing to give me info. They say they are a PI but will give no info.

If all they are after is people who owe on foreclosures, then why the hell are they calling me? I'm 21, never owned a house, much less even looked into buying one (not like I COULD). I work part time at Jamba Juice, my credit score is 350, and yeah, I haven't paid everything I need to yet, because I can't, but I've never owned a house... So why am I receiving calls from them?

Hi well I have received the same call and both times I was away from my desk at work.  I tried calling the number they left back and all it did was ring and ring...I am the tribal court clerk so I thought maybe it was something to do with my work as I work mostly with garnish... please refer

the same here

they called my cell phone asking to call back.
called back the number they gave me was disconected

These people are relentless. They found a family members on line and called them three times in  a couple of hours. She was worried for me and gave me the message. I called and asked what they did and they said that they were third party locators...debt collectors is more like it. Funny thing though, I have no debt, a credit score of 790 and no credit cards. Think they missed themark this time? Well, I advised my sister to tell them to remove her name and number from their database and if they called her again she would be getting an attorney. They know that multiple calls are illegal but they alson know a lot of people will not bother to follow up with an attorney. Guess they are in trouble, I am married to one of the best attorneys in my state!

You are correct. I did some research and here is what I found:

HP Locate is affiliated with HP Debt Exchange//Heritage Pacific Financial, a junk debt buyer:

Heritage Pacific Financial LLC
Phone: (972) 996-5100
Fax: (972) 996-5136
2200 K Avenue Suite 200, Plano, TX 75074
http://www.heritagepacificfinancial.com/
BBB file opened: 06/10/2009
Business started: 02/01/2009
New Owner Date: 02/01/2009
Contact Information
Primary Contact: Chris D. Ganter
Business Category
Collection Agencies

http://www.bbb.org/dallas/business-reviews/co ... ano-tx-90226503

Nate Johnson is listed as a partner at HP Debt Exchange, LLC, Heritage Pacific Financial, LLC and HP Locate, LLC on Linkedin:

"Responsible for over 3 billion dollars of defaulted mortgage liens under management; analysis in pre-purchase due diligence, pricing and acquisition of new assets; downstream disposition and sale of current asset portfolios; oversight and management of portfolio demographics and research; fraud research and verifications. Manage bidding process with institutional banks as well as other asset liquidation firms; participate in raising capital and investor relations; selection of assets to assign to national network of collection attorneys and partners; consulting for legal department on active judgment recovery portion of the portfolio".

http://www.linkedin.com/in/rmiusa

There's more:

Our Collection Tactic for today was employed by a company called Heritage Pacific Financial against Kim (name changed of course).

Here is a little background on Kim. Kim once owned a property in California. It was once her primary residence.  At some point, she became unable to make her mortgage payments. A foreclosure action was started against her. She eventually lost her property at a foreclosure sale. At the time of the sale there was a first mortgage and a second (2nd) mortgage on the property. There were not enough proceeds at the sale to payoff the second (2nd) mortgage. So as of this date the second (2nd) mortgage remains unpaid. However, California is a non-recourse/anti-deficiency state. Since Kim obtained the second (2nd) mortgage loan (including 2nd mortgages or Home Equity Lines of Credit - HELOCS) solely for the purchase of  a property that she used as her primary residence, under California's anti-deficiency law, a lender cannot sue to collect on any deficiency balance after a foreclosure sale. Bottom line: The second (2nd) mortgage lender is out of luck. The lender cannot sue on the uncollected second (2nd) mortgage. Kim said she verified this by speaking with a California attorney.

Recently, Kim learned that Heritage Pacific Financial allegedly purchased the second (2nd) mortgage that was once a mortgage lien against her California property. We use the word "allegedly" because as of this date Kim has not received any proof from Heritage Pacific Financial establishing that in fact Hertigage has acquired legal and proper ownership of the second (2nd) mortgage. At first glance, it seems that Heritage is out of luck since California's anti-deficiency law does not allow for the collection of the unpaid second (2nd) mortgage debt. However, Heritage sent Kim a letter demanding that she sign a 4506-T Request for Transcript of Tax Return. A 4506-T gives a lender, creditor, or collection agency the ability to obtain tax return information from the IRS. So if you sign a 4506-T, you are giving permission to the lender, creditor, or collection agency to pull your tax return information as specified in the 4506-T.

**Now this is the shocking part. If Kim does not immediately sign the 4506-T, then Heritage will sue Kim for mortgage fraud. That's right...mortgage fraud. And to prove the seriousness of Heritage's demand, Heritage attached a copy of an eight (8) page Complaint lawsuit, prepared by an attorney for Heritage. The Complaint lawsuit (which had not yet been filed) is seeking general and punitive damages for:


1. Fraud and Deceit - Intentional Misrepresentation
2. Fraud and Deceit - Concealment
3. Fraud - Promise without Intent to Perform
4. Negligent Misrepresentation
5. Punitive damages and attorneys fees.***


Holy Cow!!! Let me tell you that Kim was scared when she got this letter and complaint lawsuit. Basically, Heritage was alleging that Kim lied about her income on her mortgage loan application aka Uniform Residential Loan Application aka 1003.


Of course here are the kickers.

1. Kim's former property located in California was sold in foreclosure last year. The original lender took the property back at the foreclosure sale.
2. Kim's former property was located in California. California is a non-recourse, anti-deficiency state. This means that if Kim obtained a mortgage loan (including 2nd mortgages or Home Equity Lines of Credit - HELOCS) for the purchase of a property that she used as her principle residence then a lender is unable to collect on any deficiency balance after a foreclosure sale.
3. Kim never borrowed any money from Heritage. Kim has never done any business with Heritage. Apparently, Heritage is a third party debt collector which (allegedly) purchased the second mortgage from the original lender. We can assume that Heritage payed almost nothing for the debt. Heritage is not the original lender. On top of that Heritage cannot collect on any deficiency because Kim meets California's non-recourse/anti-deficiency rules. This means under California law the original lenders and any subsequent third party debt collection agency cannot collect any deficiency debt (including Kim's second mortgage) arising from the foreclosure sale.

So what is Heritage's debt collection tactic? Essentially Heritage is claiming the following to scare Kim into signing documents and paying money:

"Even though we cannot legally collect the balance due on the second (2nd) mortgage under California anti-deficiency law, we will try to collect damages on alleged fraudulent activities during the loan process EVEN though we cant collect the original balance."


The point of this is as follows...debt collectors will do anything they can to collect a debt. As more people walk away from debt, more debt collectors will try to find new ways to collect it.

Of course, the question is: Can Heritage sue Kim for possibly committing fraud to get the loan even though they can't collect on the loan under California's anti-deficiency?

The natural response is...No. How could Kim have committed fraud against Heritage is she never did any business with Heritage. A fraud is a deception against another person or entity. Heritage is not a victim of a deception. Essentially, Heritage is hoping that the fraud can be transferred.

Can you imagine? Let's say a business partner cheats you our of $100,000? Can you sell the "$100,000 cheat" to a third party? What if you could sell your partner's cheat for $15,000?  Kinda scary.

However, a court of law may need to determine if all of this is possible or not. Does it smell like an illegal debt collection tactic?  i.e. threatening a lawsuit even though there is no intention to file the lawsuit or there is no basis to file a lawsuit. Yes it smells really bad. Does it violate state and federal debt collections law? Perhaps.

http://www.debtdefense101.com/2010/10/collect ... -october-6.html

Also, they're calling from a Keys Florida number. I live in Texas, before this I lived in Washington... 305-735-0376 is the number they keep calling from. I've gotten tired of answering and never actually hearing a human voice. I'm not going to wait to talk to someone to figure out why they're calling me, so I've blocked that number now.

"relatives, former employers or businesses, or neighbors, and we use such information to locate and directly contact those people who those outstanding debts."

THATS HARRASSMENT!

The last week been getting calls from HP LOCATE L A171755 ... the message always cuts off after they say that.

I know for a fact I have no outstanding issues so it must be a relative.   This practice is 100% BULL$hit! - it down right ticks me off - if they were in my state I would pay a visit to their office with a ball bat!

HP LOCATE

heritage pacific financial
chris ganter
17120 north dallas parkway 3135
dallas, TX 75248

Phone: 1 972-996-5100
email: chrisganter@yahoo.com  
email:  plee@heritagepacificfinancial.com

Another call from HP Locate this time from Dallas, Texas.  They do move around from California to Florida and from Texas to New York.  It can't be a legitimate business.

HP locate calls constantly claiming to be locating name on phone "correctly or incorrectly" for a certain "file" on their records. Why cannot these jerks who buy up residual debts from unknown creditors be required up-front to identify the source of the debt. This activity is illegal in my state so I am getting scum from out of state calling my phone! Pox on the lawless state that doesn't have the balls to shut down these predatory scammers.

From all the research I have done on the web, this so called private investigator firm is a scam, attempting to get you to give them your social security number. I have contacted the State Attorney (Colorado) and they tell me they require 3 complaints before they will do anything. You can do this online very easily. These scum bags need to be stopped.

I have been getting recorded messages from H P Locate telling me my phone number is part of an investigation, and if I want more information (like they have given me any information) I should "Press One" so far I have just pressed "OFF". These calls have come from several different states, It is always the same voice and most of the calls come from 469-431-0107.  I have heard these are debt collection calls, but I have no debt. I wish they would make a live call so I could tell them to quit calling.

Folks here's to help out those with TimeWarner Digital Phone on how to block calls.  Below is a list I collected through out the web and from my caller ID associated with HP Locate.

Here's the instruction on how to setup blocking.

http://www.timewarnercable.com/nynj/site.faqs ... number-to-my-Bl

What I really would like to see is a bunch of people continuously redial them with fax machines so that they can't call any more people and to give them a taste of their own medicine.  But maybe that is a bit unrealistic.  For now blocking them works for me.  Hope it helps everyone here.

(701) 920-9550
(469) 342-0169
(469) 341-0107
(718) 396-6414
(619) 232-7636
(323) 677-1825
(505) 217-0125
(817) 572-1917
(888) 331-1437
(888) 331-1438
(877) 225-1102
(281) 661-4459
(602) 283-0075
(720) 214-0082
(512) 687-0008
(469) 341-9107