5407727800

Calls continuously, is debt collector.

I keep receiving calls from this number 540-772-7800 they do not leave a message and I do not pick up numbers I don't know. I feel it is a scam.

Rec'd my first call from this number which is identified on Caller ID as Atlantic Credit.  When the call went to voice mail, they hung up.  (I am completely debt-free so there is no legitimate reason for them to call me.)

A debt collector. Couldn't have been more helpful. Willing to help you pay off your account with terms that you can manage. Also, no interest. The gentleman was kind, understanding and professional.

Wow that is about as believable as one of the Aesop's fables.  So let me get this straight, you knew who called you?  But you looked up the number anyway?  Because you figured you had nothing better to do than to come here and spout lies?  Amazing. but that is OK, because thanks to you this bunch of criminals is no on our radar.  I hope you aren't going to accept that small pittance your boss is paying you for that lame shill post.

Gee, thanks for letting us know that "Denise". I see that you forgot to mention that you received the required notice of validation by mail before paying this "nice gentleman", so I'll remind everyone of the routine.
Before paying ANY debt collector a dime, DEMAND a notice of validation BY MAIL. Not by E-mail. Not by Fax. As per federal regulation under the Fair Debt Collection Practices Act (FDCPA).
Before paying ANY debt collector a dime, check on the Statutes of Limitations regarding debts in your state. They vary & by making a payment on a time-barred debt you will re-validate it, making the debt legitimate to pursue in court. Meaning that a bottom-feeding attorney can sue you for it! Which is, of course, exactly what a lot of Junk Debt Buyers (JDBs) are aiming for. NEVER make a payment on an old debt before checking on the Statutes of Limitations regarding debts in your state first! Your credit has already been impacted. Making a payment to a JDB & then being sued for what was previously a time-barred debt is NOT going to help your credit history!
Be Safe. Be Aware.
 Gunnar

There is a BBB report for Atlantic Credit and Finance Inc. with a note that directs to a the Law Office of John P. Frye, P.C., 3351 Orange Ave, Roanoke, VA. see  http://www.bbb.org/western-virginia/business- ... oanoke-va-2553/  & http://www.bbb.org/western-virginia/business- ... oke-va-11000699

Based on the large number of FDCPA actions filed against the group in 2016 alone, it doesn't seem many share you opinion of them.  Any chance you work for the company?

https://dockets.justia.com/docket/indiana/insdce/1:2016cv01794/66804
https://dockets.justia.com/docket/michigan/miwdce/1:2016cv00646/84461
https://dockets.justia.com/docket/california/cacdce/2:2016cv03437/648101
https://dockets.justia.com/docket/michigan/miwdce/1:2016cv00536/84286
https://dockets.justia.com/docket/new-jersey/njdce/2:2016cv01850/331499
https://dockets.justia.com/docket/california/cacdce/8:2016cv00581/643849
https://dockets.justia.com/docket/new-york/nyedce/2:2016cv01483/383185
https://dockets.justia.com/docket/georgia/gandce/4:2016cv00067/225369
https://dockets.justia.com/docket/new-jersey/njdce/3:2016cv01427/331398
https://dockets.justia.com/docket/alabama/alndce/4:2016cv00386/158183
https://dockets.justia.com/docket/pennsylvania/paedce/2:2016cv00784/514168
https://dockets.justia.com/docket/new-york/nyedce/2:2016cv00529/380963
https://dockets.justia.com/docket/maryland/mddce/1:2016cv00199/340462

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
https://www.consumer.ftc.gov/blog/dont-recognize-debt-heres-what-do
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

And see:

-- defendants --
Stark Law LLC, also doing business as Stark Recovery; Stark Legal LLC
Ashton Asset Management Inc.
CHM Capital Group LLC, also d/b/a Capital Harris Miller & Associates
HKM Funding Ltd.
Pacific Capital Holdings Inc., formerly known as Charles Hunter Miller & Associates Inc. and also d/b/a Pacific Capital
Hirsh Mohindra, also d/b/a Ashton Lending LLC; Gaurav Mohindra; and Preetesh Patel

https://800notes.com/forum/ta-e2b6ffe733efb98 ... -area-operation
https://800notes.com/forum/ta-e2c17db13593f86 ... and-illinois-ag

What is the legal name and address of this helpful debt collector? What is the name of the gentleman who was "kind, understanding and professional?" Thank you.

This company has been ignoring the FDCPA for years.  This news story form 2004 outlines some shocking violations, such as

Quote:

call a debtor's neighbor to ask where they were. Learning that the person was shopping at a nearby Wal-Mart, the collector called the store and had the person paged over the loudspeaker to the front desk to talk to them about a debt, he said.

Here is a link to the story
http://www.roanoke.com/webmin/news/roanoke-de ... 269b8d15a5.html

Called asked for Mark malott to pay C.R England truck school loan.

Called looking for debt to be payed.Made threats from G.C sevices.

GC SERVICES

Please note:  Regarding the collection of student loans, the collection agency wants to convince you that you need to pay $200 or more per month.  The reason is simple-they make a ton more money that way.  If they get you to pay that they make 16% of the TOTAL loan amount.  If you pay less they only get 16% of what you pay every month.
Contact page with their address:  http://www.gcserv.com/Home/ContactUs.aspx
BBB page with an accredited A+ and 146 complaints (down from 211 when I originally did this report) and 1 negative review???  http://www.bbb.org/houston/business-reviews/c ... houston-tx-1956
Bizapedia has them as a Delaware Limited partnership:  http://www.bizapedia.com/de/GC-SERVICES-LIMITED-PARTNERSHIP.html
Company Name:      GC SERVICES LIMITED PARTNERSHIP

File Number:      2103314

Filing State:      Delaware (DE)

Filing Status:      Unknown

Filing Date:      October 1, 1986

Company Age:      29 Years, 3 Months

Registered Agent:               The Corporation Trust Company
Corporation Trust Center 1209 Orange St
Wilmington, DE 19801

Texas debt collector info:
Principal Name: GC Services (Barbados) SRL     # 1

Address:    Harbour Industrial Estate Suite 201 Bldg 2
Bridgetown, Barbados,   West Indies
File Number:    20050125
Status:    Active
Date Filed:    5/25/2005
Cancellation Date:
Phone:
Bonding Company:    Safeco Insurance Company of America
Bond No:    6302212

Principal Name: GC Services (Barbados) SRL     # 2

Address:    6330 Gulfton
Houston, TX 77081
File Number:    20110165
Status:    Canceled Close File
Date Filed:    8/4/2011
Cancellation Date:    8/24/2013
Phone:    (713) 777-4441
Bonding Company:    Safeco Insurance Company of America
Bond No:    6525416

Principal Name: GC Services International LLC     # 3

Address:    5th Floor Ortigas Blvd Orgigas Avenue Pasig City
Manila,  2+06 PHILIPPINES
File Number:    20130017
Status:    Active
Date Filed:    1/24/2013
Cancellation Date:
Phone:    (713) 777-4441
Bonding Company:    Liberty Mutual Insurance Company
Bond No:    404005919

Principal Name: GC Services Limited Partnership     # 4

Address:    6330 Gulfton
Houston, TX 77081
File Number:    20030160
Status:    Active
Date Filed:    9/8/2003
Cancellation Date:
Phone:    (713) 777-4441
Bonding Company:    Safeco Insurance Company of America
Bond No:    6221932

Principal Name: GC Services Limited Partnership     # 5

Address:    6330 Gulfton
Houston, TX 77081
File Number:    930129
Status:    Canceled Close File
Date Filed:    12/30/1993
Cancellation Date:    11/21/2003
Phone:    (713) 772-6536
Bonding Company:    Old Republic Surety Company
Bond No:    CAB1029652

Dept. of Education Contract:  https://studentaid.ed.gov/sa/sites/default/fi ... aseContract.pdf
Other complaint sites:
http://gc-services.pissedconsumer.com/
http://www.ripoffreport.com/reports/directory/gc-services
http://www.complaintsboard.com/complaints/gc-services-c10510.html
http://forums.debtcc.com/gcservices.html
Looks like they get sued a lot:
https://gcservicesclassaction.com/
http://www.leagle.com/decision/2002654310F3d3 ... 0SERVICES%20L.P.
http://www.law360.com/cases/5216749da409426581000001
http://www.leagle.com/decision/20061505440FSu ... ERSHIP-DELAWARE
http://caselaw.findlaw.com/us-5th-circuit/1114100.html
http://www.debtorboards.com/index.php?topic=7151.0

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) 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.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

Ask for someone that does not work here.

Most collectors do not work on commission. They work on a bonus structure where if they do not make bonus, although they have a base pay, they can be fired. That is their main motivation for using illegal tactics to get you to pay. Many collectors today do not feel that they will get caught, and are not properly trained. So more goes into than just "commission" pay.

This number has called both me and my daughter repeated times and have also blocked their number so it shows up unknown. They called my daughter like 6 times this morning starting at 8 or before. I tried to call them back but no one is in the office. God help them when I get a hold of someone.

This is a scam! I would suggest you do some investigating before you give them any money. It could be money that you owed many years ago that is off your record anyway, These people are usually the last attempt to collect and will say anything, even threaten you to get what they want. Beware of anyone calling from this number!!

Like my dad used to always tell me, what the hell are they going to do, sue you for money you don't have? I like to [***] with debt collectors as much as I can. I actually just missed a call from this number and am excited to call them back to mess with them. They are more than welcome to call me back. I hope they do. In fact, I hope they like listening to maybe the Disney channel or something boring cause I'm going to answer the phone and set it by the tv speaker.