601-268-2927

Rec'd recorded message ... 1/7/13 around 8:47pm ... Caller ID displayed "SFS" and 601-268-2927.
Recording stated it was not a telemarketer, but that (identified a name) needed to call # back, and reference 'account no xxxxx".  Reverse White pages search identifies number as belonging to Southern Financial Services, a debt collection agency, in Hattiesburg, MS.  IF this is a legitimate collector, we have several problems:  no live person ever came on phone; caller never identified who they actually were; recording did not inquire if the party they were calling was even at this number, or home, or available.  I believe this is a violation of the Fair Debt Collection Act ... and more probably a junk debt collector who has no real information, is attempting to collect a debt past the statute of limitations, and no legal or legitimate tie to the original creditor. Be careful

This number has called my phone numerous times and does not leave a message. But will call repeatedly . I called them back once and they acted like I was their best friend callin me by my first name . They proceeded to tell me I owed money for some dr bill and when I asked for proof they told me they didn't have to provide me with any proof?!? Excuse me but unless you can provide me with some documentation then this could be any fool trying to get money from me. Please get a clue. I am not an idiot. You provide proof and If its valid then we will talk if not then take a hike. It's called harassment to keep calling!

BOGUS Debt Collector. Hang up. They will try to get personal information from you.

601-268-2917

If you have problems with this company, report to Better Business Bureau of Mississippi

http://www.bbb.org/Jackson/Business-Reviews/c ... rg-ms-14002074/

Calls frequently. If you answer they say they have a message for names of people you have never heard of and if you punch the no. 3 to say they have the wrong no. They say they will take this no. Off calling list but in a few days they call back again sometimes with a different name.

you would think someone whom is in this line of business to deal with these things would put a stop to it. I mean hell if I had the know how I would do it.

This company is a legit debt collector. I know this because I owe them money & it's on my credit report.

Bobbi -

If that is true, why did you search for their phone number on a phone complaints site?

Also, if they are a "debt collector" how do you know you owe THEM money?  Any debt you incurred would have been from the original lender.  Is the "debt collector's" name really shown in your credit report, or is it the name of the original lender?

And, finally, did they send you a Validation of Debt letter, as required by law?

That doesn't make them legit.  They are only legit if they follow the law.
Otherwise they are criminal extortionists.

All debt collectors are required by law to send you a DEBT VALIDATION. This is sent through the USPS ONLY (email, text, faxes, carrier pigeons, smoke signals...none of those count) and state when you incurred the debt, to whom you owe the original debt, and how to proceed should you not recognize the amount.
This must be sent within 5 days of the first time the company attempts to contact you.
REAL DEBT COLLECTORS SEND THIS. Scammers do not.

A few other things to know-
-You cannot be arrested for ordinary debt in the United States.
-Process servers do not call in advance. They only get paid if they deliver you papers the court (not a private company) has ordered be delivered, and if you flee, they don't get paid. Therefore, they do not call ahead of their arrival.
-Likewise, officers do not call you to tell you they will be arresting you. Why would they?

http://www.consumer.ftc.gov/articles/0149-debt-collection
This link contains all the rules debt collectors must follow, and includes links where you can report criminals who choose not to follow the law.

This is in fact a debt collector hired by hospitals in the state of mississippi however their collections habits are a bit shady to say the least they will demand the most they can will not work with you and will threaten you with court and even when you make attempts to pay them they will say we have just received another judgement against you I know from experience however with that said I have never been served but I have went to the court house and received an abstract of judgement once default judgement but as I said have not been served a civil suit

Time to file those complaints as the courts are getting tired of these FDCPA law breakers! :)
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://www.ftccomplaintassistant.gov/#&panel1-1
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
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:
Portfolio:
http://consumerist.com/2015/05/19/jury-hits-d ... ogus-1130-debt/
https://800notes.com/forum/ta-ceba95f52112a47/cfpb-settles-cases

-- 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

If they received a judgement and you were never served, then they lied to the court.

SOUTHERN FINANCIAL SYSTEMS, INC AKA SOUTHERN FINANCIAL COLLECTIONS
Posted in:  https://800notes.com/Phone.aspx/1-601-268-2927
Web site lists them in Mississippi and in business for 39 years:  https://sfscollect.com/contact.php
BBB gives them an A+ with 1 complaint:  http://www.bbb.org/mississippi/business-revie ... rg-ms-14002074/
This web site provides phone numbers for the head criminal at this organization:  https://govtribe.com/vendor/southern-financia ... cial-collection
Mississippi Dept. of State info-doesn’t look like they have been in business for 39 years:
SOUTHERN FINANCIAL SYSTEMS, INC.
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Name History
________________________________________
Name        Name Type
SOUTHERN FINANCIAL SYSTEMS, INC.        Legal
Business Information
________________________________________
Business Type:    Profit Corporation
Business ID:    663413
Status:    Good Standing
Effective Date:    11/13/1998
State of Incorporation:    Mississippi
Principal Office Address:    2603B Oak Grove Rd.;Hattiesburg, MS 39402
Hattiesburg,  MS 39402

Registered Agent
________________________________________
Name
KIMBERLY AMACKER
2603-B Oak Grove Road;P O Box 15203
Hattiesburg,  MS 39402

Officers & Directors
________________________________________
Name        Title
Karl Sanford
81 Fairchild Landing Rd
Seminary,  MS 39479        Incorporator
Kimberly Amacker
16 Rosemont Dr
Hattiesburg,  MS 39402        Incorporator
Kimberly Amacker
16 Rosemont Dr
Hattiesburg,  MS 39402        Director, President, Treasurer
Karl Sanford
81 Fairchild Landing Rd
Seminary,  MS 39479

Looks like they have been sued:
http://caselaw.findlaw.com/ms-court-of-appeals/1103819.html
http://www.plainsite.org/dockets/2l4141153/mi ... tems-inc-et-al/
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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