615-690-1639

No they are not harrassing you. They are just doing their job. You should have fullined your end of the agreement or maybe READ THE LEASE you signed. Duh!

Im sorry I don't what your complaining about. He left a message with his name. You called back and got a recording that verified the same name. You should have said this is XXX returning your call.

LAMET!!!! You have posted some pretty accurate stuff. All those laws do apply. Cry babies that owe money ALWAYS say they are harrassing me. COME ON PEOPLE stop whinning. Wake, go back and re-read the lease you signed and figure out why your getting calls. I'm tired of adult children.

LAMET2, another thing... NOT ALL collection agencies and/or collectors are bad. YES!!!! I AGREE there are some bad apples out there.

annoyed!!! you ever stop to think that maybe you are an idiot?

WOW, bean, what an intelligent post! where'd you get your GED from, Toys R Us?

No, I bought it from your mom you dork. Come on man, read all the posts. Everyone of these complaints are childish from "Not going to give my son the message", to "he left his name and number and I called it and the machine said his name". The collection agency is not the evil party here. They are the messenger, of which more often than not is the one that take the blame. Go back to your job at Toy R Us.

You are a pompous ass. No one desreves to be harassed by anyone, especially someone they have never spoken to before.

So now your resorting to "your momma" jokes? I was wrong, you bought your GED from a gas station in Arkansas. Toys R Us is too high-level for you.

I'd much rather work for Toys R Us then some sham comany like yours.

I do not work for this company. I was once in the position with an apartment complex. I have a friend that works in a collection agency. He get's this all the time. He point out to me that I was wrong. I REALIZED it and paid up. Collection agencies are not scams. I bet the bozo above didn't give the correct address to receive the proof of debt which they should already have which is a signed 8.5 x 14

total A_ _ H_ _ _ E.  sometimes they just don't know who they are messing with...

I actually work in collections...I got a call from this # too, but I've never not paid my rent.

The rules are as follows:

Unless you are speaking directly to the person whose name is on the account, you can't give any information.  You can leave your name and #, but you can't tell anyone other than the person on the account how much is owed and what it is regarding.  So the people who are calling you have done things right in that regard.

But harrassing phone calls and threats are illegal.  You can definitely report them to the BBB. Also telling family members what this is for and telling them that it is legal for them to be calling family members is ILLEGAL.  And they can not call you at work either.  The only # they are allowed to use is the number that is given to them.

And don't worry, I'm a business to business collector, I don't go after families so not hateful [***] towards me.

Seriously IT Guy, quit talking about what you have no idea about.

I work in Collections and if someone wants proof of what they owe, we as a company, have a LEGAL OBLIGATION to send either invoices or some kind of documentation proving the debt.  

If you owe a debt...pay it...but not without someone putting it in writing first.

You can also request a letter/proof/dispute it, make sure to send it in writing to them and if they don't respond within 30 days they have to take it off you credit

Everyone complains about people calling asking you to pay your bills...here's a clue...pay your bills and they will stop calling you...it works...I did it and it was amazing..quit whining people!!

I received a call from this guy and I knew I had a debt for an apartment complex.  He mentioned that perticular debt and that he was with a collection agency.  When I asked him if there was anyone else I could talk to he avoiding aswering yes or no.  He just said. "I'll be available if you need anything".  I asked him to send me a bill for the amount owed.  He mentioned I can send the payment to the apartment complex or him.  I was unsure why I would send the payment to the apartment complex if he was the debt collector. Doesn't a debt collector buy the collection from the company and then go after the money?  I googled the name on the document I received, RentDebt Automated Collections, LLC of Nashville, TN, and received this website http://www.automatedcollections.com/. I'm still looking into this.

What are you doing on here ex-debtor? Did our tax dollars get you out of yours?

My brother received a call about myself at his home in a state that begins with an "I".  I however, live in a state almost as far away from that as one can get. My point is this. For one, I know that unless there has been some sort of identity theft, no one should be trying to get me through my brother. I am a young veteran...now think for one second. How would you feel if there were people calling your younger siblings about money issues(granted..I still don't know what in hell they think I owe). My dad is old school and I'm home to help him get through a cancer thing that I'm sure we will kick. Yadda yadda. Point is this. People should NOT be put through all of this absolute stupidity. Most of us want to take care of things as soon as we realize there is a problem- right boys? And if you can't get back to the call girl..OOPs (I am a girl by the way, and know I need to be politically correct in that way. apologies....)Well then what do you do? I mean, the intelligent man or woman.  Your whole day is ruined for one...Your family hates to be around you...I need to stop now. You get my point though right?! Ok To all that this may help..Her name is Lynn Walker #(615) 690-1687 . The one who has been somehow finding members of my family and harassing them for what?  Is she gonna get a raise if she finds someone broke? I'm not broke, I'm doing just fine, only wondering why she is trying to get into my family. Maybe we have people in our families that we haven't talked to in a while an certainly wouldn't want a damn bill collector getting to them before us. Do smell what I'm stepping in ?!

Just received call from 615-690-1687. Number Belongs to RDAC -
Rent Debt Automated Collections, Inc.
P.O. BOX 171077
Nashville, TN.  37217
Phone - (800) 467-2316
Fax1 - (615) 361-4816
Fax2 - (972) 331-4436
I had to file complaints with Better Business Bureau, Federal Trade Commission, Texas Attorney General, etc. for FDCPA violations! They called my cell phone for a debt on someone else! TURN THIS COMPANY IN IF THEY VIOLATE THE FDCPA!!!!

This lady called and left a message with my dad last night, same situation. I've never heard of her and know I don't owe money to anybody. I will report to BBB; please do the same. Ridiculous!

THE BBB CANNOT AND WILL NOT DO ANYTHING - IF A DUES PAYING MEMBER - BBB WILL ALWAYS SIDE WITH THEM. IF NOT - THEY DO NOTHING!

YOU HAVE TO REPORT ILLEGAL COLLECTIONS TO THE CORRECT GOVERNMENT AGENCIES

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009