512-539-0062

It's a bunch of guys with tiny [***] trying to collect 20 year old debt.  National Debt Collectors. A bunch of weenies. Don't bother with them. Losers bottom feeders. Insecure company makes threats to pump up their little wewees.

Called several times. Left no message

They call and when answer silence. Called back got computer asking me to hold then no one picked up.

Calls and hangs up over and over again

Keep calling but no answer....only silence.

Won't answer

They hang up when you answer and they do not leave voicemails, Its very annoying!

At first they didn't say nothing so I redial the number back and the number for them was a 800 number

While junk debt collectors do count on a lack of resistance from consumer defendants, their verbal threats of litigation are quite often empty and therefore illegal.

FTC yes, DNC no. The Do Not Call Registry covers only sales calls. DNCR complaints against debt collectors only pollute the Consumer Sentinel Network.

As to a "written copy of the bill", the actual FDCPA requirement is to send an initial dunning letter bearing specific disclosures soon after first contact with the alleged debtor. That letter verifies nothing. It establishes a claim and opens a 30-day window for dispute, which must be made in writing to trigger key FDCPA protections.

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

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

} a certified letter is another option, but it is a shame to waste $6 in postage

It's not a waste at all, but an investment. Nothing says "I'm as serious as cardiac arrest" like a notice decorated in green USPS labels. Having such a notice in play greatly eases the burden of proof in a prospective lawsuit against the recipient company which has failed to obey what that notice says.

ID themselves as First National Collection Bureau.

http://www.fncbinc.com/default.html
(Sometimes uses a CID or CRS)
610 Waltham Way
Sparks, Nevada 89434
775.322.0444
800.824.6191

State of Nevada Secretary of State:
Business Entity Information

First National Collection Bureau, Inc.

Status:                               Active
File Date:                       2/13/1992
Type:                               Domestic Corporation
Entity Number:               C1319-1992
Qualifying State:               NV
List of Officers Due:       2/28/2015
Managed By:
Expiration Date:
NV Business ID:               NV19921021331
Business License Exp:       2/28/2015

Additional Information
Central Index Key:

Registered Agent Information
BRADLEY L. JARDON
610 WALTHAM WAY
MCCARRAN
NV
89434

Officers    Include Inactive Officers

Treasurer - SCOTT CARROLL
610 WALTHAM WAY
MCCARRAN
NV
89434

Director - SCOTT CARROLL
610 WALTHAM WAY
MCCARRAN
NV
89434

President - BRADLEY L JARDON
7530 BRIARGATE COURT
RENO
NV
89523
:
Director - BRADLEY JARDON
7530 BRIARGATE COURT
RENO
NV
89523
___________________________
BBB:

This Business is not BBB Accredited
First National Collection Bureau, Inc.
Find a Location
Phone: (775) 322-0444
Fax: (775) 322-0438
View Additional Phone Numbers
610 Waltham Way, McCarran, NV 89434-6695
BBB® Non-Accredited F Rating
On a scale of A+ to F
- See more at: http://www.bbb.org/reno/business-reviews/coll ... h.vavq0bR0.dpuf

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.

Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
https://www.ftc.gov/news-events/press-release ... rtners-announce

Follow the steps in what you need to know here:
https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

} In Texas the statute of limitations for bill collection is 4 years.

Statutes of Limitations on debt do not limit "bill collection". They limit the time in which a creditor or debt buyer may sue to collect. Mere collection activity past SoL is legal in all but two states, and Texas is not among those exceptions.

Are they licensed to collect debts in Texas ?

Which 2 states?  I would like to include it in my postings as I also see a lot of confusion as to what the SOL actually means.

Those would be Mississippi and Wisconsin. (The latter state exhibits unusually good concern for consumer protection overall.) They have a Statute of Repose which extinguishes debt when SoL runs. I don't mention these exceptions often, simply to avoid aggravating the widespread confusion. Most people have trouble enough discerning SoL from the FCRA reporting limit.

Also from the fact that the debt can still be collected, just not taken to court.  Thanks for the info, I will add it to my notes.  Have a Happy New Year!

They posted the required bond, but that is different from a license.  Licenses can be revoked when they are abused.  Only about half the states require debt collectors to obtain a license, and Texas is not one of them.

Texas does require that companies using an "automatic dial announcing device" (ADAD) obtain a permit from the state.  FNCB does not seem to have purchased this permit, and might have trouble obtaining one due to their well known history of non-compliance with the TCPA.  This may be one of the reasons their robocalls now just hang up without leaving a message.  That gets them through a loophole in the Texas ADAD rules, though the calls are still illegal under federal law when made to cell phones.

Call went to voice mail, but no one spoke, & then hung up!