6613955985

This number calls me a few times a week, no one picks up for a few moments. When it's an automated voice it asks for someone I don't know. When I press the corresponding # that they've dialed wrong, they ask me to stay on the line. Ugh. I did for 2 mins hoping it would end the bothersome calls, but didn't pick up and had to go back to work.

called for someone else, seemed like a collection agency for that joke "University of Phoenix" wanna-be online school.
But when I explained it was my personal cell phone they said they'd update their records, so we'll see if they try calling again..

It's not a student loan company.  It is for tuition to University of Phoenix.

No, not student loans.  University of Phoenix enrolls people in classes and takes out say 10k in student loans in your name.  If you decide you don't want to take classes anymore the student loans that were borrowed ahead were returned back to the direct loan company (Government Student Loans).  University of Phoenix then sends you to collection for any amount they feel you still owed on tuition.  I am in good standing with my federal student loans and pay them every month.  University of Phoenix has decided I owed them 900. for 2004 because I left my program of study.  I had a 4.0 GPA and chose not to go there any longer (Did not drop or fail any classes, which would be the only reason I would owe).  They cannot furnish me a bill of why I actually owe this money at University of Phoenix.  I am not paying until they can furnish an actual statement.  As they were paid 5400.00 in tuition and book fees out of my student loans, and that money was not returned.

They called me a few times asking for my ex-sister-in-law.  When I say she is not here or does not live here they ask if I know her and tell me that I'm listed as next-of-kin.  I cut the guy short and told him that the only affiliation I had with her ended when I divorced her brother.  He actually apologized and told me that his company would not be calling back.

Do not call my cell number again! You have the wrong number! I will report you if you keep it up!

They call in the morning and never leave a message. My husband & I have out of state cell phone numbers. First they call me, then they call him for me. My husband answered his phone, and the lady would only say she was with A.C.T.. She wanted to talk to me, but would not say why. How did she get my husband's cell number? I did not recognize her name. I did not know what A.C.T. stood for. I did not recognize the number, so I refused to talk to her.

It is 6am and they were talking about my atm card was deactivated to give them my card number blah blah omg im calling the attorney general on this!

I keep getting calls from this number, but never any messages left. I have a new cell number and get calls for someone else, I just assume they didn't pay a bill. Added it to my spam call list that has a silent ring assigned to it so it doesn't ring and interrupt me.

They called for Angie, on my cell, I know thats not my name and the lady was just all "Yea I am trying to reach Angie", hesitant like she had no idea who she was calling for.

If you believe you are being unfairly harassed by phone and you have their phone number, maybe it is time to treat those folks with their own “medicine”, call  that number  10, 20, 50 times a day . . . . .      for the next few weeks….

Practical Person

These bottom feeders need to be thought a lesson,  Anyone who gets the treatment described above should keep calling their number many times every day, that will keep them bussy!!!

dont say hello say pick up or delivery.

Yes you are giving personal information!! The fact that my neighbor has a debt collector call me, wants me to tell them to pay their bill, that alone would violate any privacy that they are struggling with bills.
Personally I wouldn't want my neighbor to know I'm behind on bills. I'm not going to hang a sign out in front of my house to say 'my electric is going to be turned of because I lost my job'. It's person business that doesn't include my neighbor - WHOM I MAY OR MAY NOT KNOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

My husband attended Computer Learning Center in IL in the late 90's. He had one loan through the school, which was paid off, not a federal loan. The school closed in 2001? sometime around there. He applied for a vehicle loan in 2005, and all of a sudden, a defaulted school loan popped up. He had done 2 previous loans and nothing came up. Sallie Mae was no help. They sent him a copy of a paper that had a signature on it and his name/previous phone/address, but it was nothing even close to his signature. The co-signer was no one we've ever heard of. He disputed it as fraudulent and we never heard anything. Three years ago, they started seizing our tax return. Treasury Dept says they can't do anything, it's a federal loan. Now it's gone to ACT. He sent them a validation of debt letter within the first 30 days of notice. They haven't gotten back to him yet, but called MY cell phone today. He had no phone number on there, how the heck did they get my #? Don't call me, show us the proof and stop taking our money!

CEASE COMMUNICATIONS ORDERS MUST BE SENT IN WRITING VIA USPS CERTITFIED MAIL - RETURN RECEIPT (PROOF IT WAS RECEIVED)

You are required to state that any calls to home, cell and work are inconvenient and they must communicate with you only in WRITING..  

Once they receive the letter they MUST stop calling.    When they don't stop calling - you have to keep a log of calls received, date, time, persons name etc.  Record calls where you can as the recordings will be PROOF of violations.

NO DEBT COLLECTOR IS ALLOWED TO BREAK THE LAW but many do.  


THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

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/First.htm    
    
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

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

yall need skooling... theres a difference between criminal and civil. only an idiot would be persuaded into thinking asking someone to take a message, under any pretense, is criminal.  It is not... And since when is being asked to give momeone a message such a problem.  Its the land of the free... not the land of the free ride.. so stop your crybaby actions & do something with your life instead of crying about taking a message... what a baby LOL

Collection agency "1" , Debtor "0" .... the way it should be... pay your bills dont make excuses

These people are really something. They don't identify themselves and are rude. They violate the FDCPA related to timing of calls and the time of day that they call. I am filing a complaint with the California AG's office.

get off your high horse [***]