651-221-0566

i've been getting calls from this number ever since my ex and i got together. i have no idea how they got my number-its supposed to be unlisted. in anycase they've continued calling for my ex in the past several months since i booted him out. i'm on the do not call registry and i'm getting very very fed up with the incredibly rude idiot they have calling me. when i ask to speak to his supervisor he hangs up on me, when i tell him that the deadbeat he's looking for was kicked out in july (currently its april) he hangs up on me or makes snarky comments about 'we'll just see about that' there's just doing your job and then there's being a jerk

It's Education Credit Management Corp. (ECMC) - a student loan company. It's a collection call.

Michelle from ECMC , or Educational Education Credit Management Corp, called me and asked "Can I talk to JaDa Cassidy" (Michelle (ECMC). I told Michelle, from ECMC that "JaDa was indesposed"(Jim Cassidy), and Michelle stated "I need to talked to JaDa" (Michelle ECMC). I told her that "You will be talking with me" (Jim Cassidy), Michelle from ECMC stated "You are not Man Enough" (Michelle ECMC). I consider this phone call sexual harrassment and an personal insult to my integerty. I consider JaDa Cassidy bill paid in full and I want an writted apology fro ECMC for the stress that you caused me and my wife.

the caller was 651-221-0566 ECMC Credit Management

They keep calling me also. I've checked my student loan account with the firm through whom I consolidated my student loans and they say my account is paid current and is still on electronic payment transfer from my checking account each month.  The people from ECMC keep calling and telling me my loans are in default and when I explain that they are not, they just tell me "that's between you and your consolidation company."  But they won't stop calling.  How do you get them to stop?

Since they won't listen to you over the phone, my suggestion would be to get a letter sent to you from your consolidation place where you have your loans stating they are current and listing the loans. Make a copy for your records and send a copy to the ECMC address with a letter of your own stating you have discussed this with them that your loans they are referring to are paid current and that the phone calls or letters need to be stopped because your loans are not in default. I would certify this letter to know that they received it. After that if they persist to call tell them it is becoming harassment as you are not in default and that if they don't stop calling you will find other actions to handle this problem.

keep calling our company wanting me to return the call and actually giving me a social security number for one of our employees (the social # doesn't match anyone at our company). I never return their phone calls.  If it was legimate, they would mail the "garnishment" to the company.  If they can find the phone number, they certainly could find that company address.

They're trying to verify the address to send the garnishment. It would be helpful to them (and they would then stop calling) if you would call them back letting them know the person does not work for you.

It sounds like you have more outstanding loans than just the consolidation loan. It would be in your best interests to verify this. To verify other student loans that may be outstanding in your name, check with the US Department of Education (ED). The web address is www.nslds.ed.gov. If you wish, you may access this information by calling ED toll-free at (800) 4FEDAID.

Unless ECMC received a request for consolidation from the consolidation company and then a subsequent pay off for consolidation, consolidation of the ECMC loans didn't happen. This likely means your loans are in default and due in full.

By the way, since ECMC handles federal student loan debt, FDCPA does not apply. ECMC can contact you until the loan is paid in full or until YOU prove it is not owing.

I answered the phone with caller id "651-221-0566 Ed Credit Managment". they were asking to speak to a person and I asked what is the name again.  I told them they had a wrong number. Then the person replied rudely.."What make you think I have the wrong number". I said "there is no such person with that name live here." Then the caller get ridiculously rude saying "I dont believe you" and hang up immediately, so fast that I cant tell him he is a "BIG A..HOLE!"

Called my cell phone, left voice message which I didn't retrieve because I'm traveling in Central Asia and it would cost me a lot in international roaming charges

I have also received several calls from this number recently, and when i answer, no one is there. So I hang up. But if it is a collection company for student loans, then they have the wrong number because I never took out any student loans. my college was paid for by scholarships and a part time job I had. But perhaps it is to track down my ex wife. If that is the case, I have no idea where she is. We have not been together since 2005.

I just got a cal from this # and they r looking for April Young

About 3 years ago this company contacted me about past due student loans. I wrote them back saying I've never been to college. They replied with a promissory note with my social security number, signature and a college I never attended. I wrote back telling them the signature was not mine and obviously a fraud. They asked for copies of my signature from 1988. I sent them redacted copies of my 1988 tax forms showing them my signature, which clearly showed the signature on the promissory note and the 1988 tax form were not the same. Incredibly they insist I owe them over $13K in back student loans and interest. The interest now is over double what the student loan was on their paperwork. I now never answer the phone when they call and throw the mail away when I get something from them. I've told them they'll never collect a penny from me. They have now attempted to collect through tax refunds but I never get a refund because I pay quarterly and never receive a refund. :-) You can beat these idiots at their game. You just have to be creative. Have fun with it. At the begining I was nice and cooperative; trying to be helpful to remedy the sutuation. Now all niceness is gone. I've called they [***]. Wrote nasty letters, etc. When I mail them letters, I put "Addressee will pay postage" in lieu of a stamp. They always get them. Like I said....have fun with it.

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

Josh at ECMC is a complete [***].  I've called him to get the payoff amount of this loan that was court ordered to be paid by my former husband.  I have called him eight times since 2/1/10 -- and I have my phone records to prove it.  He said his system logs every call and that unless I apologized to him, he wouldn't give me the payoff amount and then he hung up on me.  What is he, 12?  What jerk.

threw there neglect they basically gave all of my personal information away along with 3.3 million others .
and waited over 2 weeks to notify the police.

Keeps calling me for no reason. I dont have outstanding credit anywhere

Getting thru isnot as easily as sounds. I can not further my education unil resolved. This is very frustrating!

Just mark them as spam and block them in google voice... then they get the old Ma Bell "Not in Service notification, and I made SURE its unreasonably loud do-dooo-dooo so they go deaf in their headset!  Remember hearing damage can occur at less than 30Db... :D  So think twice who you call [***]!