615-690-1682

Guy left a message stating my full name and saying he had "important time sensitive documents" that needed my attention. He called my mom when I didn't answer and harassed her saying he needed to contact me for some obscure debt that I had. I called him back and asked the name of his supervisor and all I got was "Mr. Smith" that was out of the office and couldn't be contacted...right. Don't give him any information!

I had the same message as  you did..and i am not sure who they are calling me when they say that they want my son on some time sensitive documents that needed his attention...I wont be giving them no information at all on  anyone.

I have the same message...I wonder who/what it is?!

I RECEIVED THE SAME CALL BUT THE LAST  DIGITS WERE 1684. THE CALL WAS FROM A JAKE JOHNSON. I PROCEEDED TO LOOK UP THE RDAC CORPORATION AND FOUND THAT THERE IS NO SUCH CERTAIN THING OTHER THAN THE RED DOT CORPORATION FOR INSTALLING HVAC UNITS. I HAVE YET TO CONTACT THEM BUT I NOW KNOW THAT I WILL NOT BE CALLING THEM BACK

I had a call from Chuck Ames from RDAC in Nashville,TN stating it was imperative that I contact him but left no details as to why.  He left a number of (866) 376-7834, ext.1449.  On a whim, I thought I would look it up on the net and found these comments.......I will not retun his call now!!

I got 2 calls from a lady (Mrs. Brown) from the 615-690-1666 number and she also stated my full name and told me it was IMPORTANT business matters that I need to take care of. When I had gotten home, I live with my sister but only give out my cell number not my sisters home number, there was a message on the home line saying the same thing!!! She must have used my address to find my home number!!!! I called back this morning and left her a message to call me back about what it was regarding, and when she did she left another message and was RUDE and wouldnt say why she was calling just that its IMPORTANT!!!! If its so important then tell me what it is... DUH!!!

I just got a call from the same number, I didn't answer because I never answer numbers I don't know...I just assume if it's important they will leave a message. So I heard the message and which was exactly what you all have said. Which I was like okay...who is that. Then my brother-in-law gives me a call...that he had been contacted. First of all I never put my brother-in-law's name or phone number on anything and get this he said they were looking for my sister...well my sister has her own cell phone. They do not have a land line...so I found this strange...like the rest of you I proceeded to check it out and...nothing and then I found this...who are these people!

I did some deeper digging and found out this is a legit company RDAC stands for Rent Debt Automated Collection, they are a third party collection agency collecting on unpaid rent for apartment complexes.

I got a call from her Mrs Kim Brown this morning stating that I have a debt with the windsprint apartments and I need to pay it and was very RUDE and stated that she is going to put a hold on my social security # until the debt was payed.

can they place a hold on your social security # ??

i've been harassed by kim brown now for 2 years after breaking an apartment lease because my husband was deployed. it's a collection agency of sorts that has consistantly been rude and uncaring of any situation you may be in.

Man stating he was calling from Nashville with a very important matter for my brother.  I am married so our last names are not the same.  We live over 500 miles apart.  When I questioned him about his position and the company he worked for he got very rude and told me that was a private matter. I told him the information he wanted was a private matter.  He hung up on me.

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

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY

Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm


From FEDERAL TRADE COMMISSION WEBSITE – FAIR DEBT COLLECTION PRACTICES ACT
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

I received a call from this number a week ago. When I answered, a guy who identified himself as MIKE PRICE asked for someone that I know but the strange things is...THE PERSON HE ASKED FOR DOESN'T HAVE MY PHONE NUMBER!!! In fact...NO ONE HAS THIS NUMBER BECAUSE I'VE ONLY HAD IT FOR A FEW WEEKS AND STILL HAVEN'T GIVING IT OUT YET! So, how did they get MY number??? Humm...weird [***]. Anyway, I told him that he had the wrong number, then he was like are you sure and I was like as sure as this...and HUNG UP!!

Received a voice mail on our company's general box from caller id 615-690-1682.  Caller left a message saying his name was Mike Price and he needed to verify employment of an associate. (He provided the name, but I will not on here).  He left call back number 866-376-7834 ext 1415.  Well, I just called back expecting the worst, according to the comments above, but he was very friendly towards me and not mean or pushy.  I provided the reference number he left and then he let me know he has the social security number, if I need it.  I informed him that I will not verify employment, but we use The Work Number instead. He said, isn't that a pay service?  I said, I'm not sure, but this is the only way we verify employment.  He said, well, I won't be able to use the service, but I happen to know that he has a voice mail, so I'll try to get a hold of him that way.  That was the call.. seemed cordial.

KEN SMITH! He is the man you want to talk to! 615-690-1643. He is nice and very helpful. The rude man "JAY MAC" that called me and was threating me is not allowed to call me anymore!

I was put down as a reference back in the day for a friend getting his own apartment. I received a phone call stating my friends name, a call back number 1-615-690-1666 Shanna Griffin. She was looking for my friend, and from the posts I believe this is a collection company and had something to do with his apartment. I called and left a brief message but it went straight to an automated message.