703-921-2258

For 2 days in a row I've gotten a voice mail message from the number 703-921-2258 Suburban Credit Company calling about collecting for a credit debt for a Carissa K Wilson. I have NO IDEA who that person is.The voice message says to press "1" if you are not Carissa, but you CAN'T DO THAT ON A RECORDED MESSAGE. I've tried calling (via calling from caller ID mode) but the number doesn't connect. I want to tell these bozos that This Carissa DOESN'T LIVE AT THIS NUMBER.

Had to dial the number directly got a voice message that asks you to leave your work and home phone #s I told them that I had received 2 calls asking for debt collection for a Carissa K Wilson and that I had no idea who that is. I gave my number they had been calling and asked them to remove me from their list. I was calm and clear Hopefully that will stop them. I should have told them never to call again, but by asking nicely to have my number removed they should comply.

Suburban Credit Corporation Of VA
Private Company, Headquarters Location
PO Box 30640, Alexandria, VA 22310, United States
(703)924-3000, (703)921-0404 fax, http://www.suburbancredit.com

Got a call from this number today, they didn't state who they were, just that they were looking for me.  I looked up the Suburban Credit Corporation Of VA listed below, and they call from a few numbers, all reviews on their numbers are fraudulent and are scamming for your credit card info (usually saying you have hospital bills).
Tell them that you are recording the message and do not acknowledge a debt, tell them to send you a bill and that you will look at it then.
People say that they become hostile at this point because they want your credit info.

I will call them back later today and update what they say.

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

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT.  
Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts 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


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

I too have been receiving calls from this Suburban Credit Corp. ( # 703-921-2258) telling me that I have not paid for a hospital visit (that I did actually have) but I know for a fact that it was indeed paid for.  When I told them this the guy just gave me some sort of number regarding the file number and the date when I went to the hospital.  I do think this is a scam, but I don't know how to handle it from here.

I have been receiving calls for months from this number and whenever I ask them to show that I indeed owe money, they just ask me how I am going to pay the bill.  The gentleman on the phone today got very angry and beligerent...they are stating that I owe money for a hospital visit that I had and paid for in full in 2008.

Trying to collect a debt from Montgomery General Hospital (MGH) for $28.21. I told them I had no billing from MGH. The person who called became quite agitated - that was when I notified the debt collector that I would call MGH Patient Records to find out why I was never billed for the requested amount. They had no record of any owed money.

they keep calling at the same time jamming my phone with illegit crap.   they get my first name but don't know my last.. oh really?

tell me i owe money to a book company... oh?  really? how can someone with macular read?

(this is why i'm online!)   OH REALLY!

Debbie Young called from this number today.  Works for a Virginia Based debt collector.  Funny thing is, she is calling about a debt that has been paid for years.

Insist that this Jabronie contact you via US Mail only.

I was called by this number saying that I owed a debt.  I for a fact know that I have no outstanding debts. They have called twice already.

They called me and left a message. The person said her name was Kim Johnson and to call back and speak to Donna White. The number they left me to call was a number for a VHA office in Utah. I've been doing research on the internet about the number and company and: They use multiple numbers to call people...usually 921 or 899 prefix from area code 703 or it'll be an 800 #. When i called back i got the message that everyone else is getting.(leave all your phone #'s etc...) I called one number i found and the message was for about 6 different numbers. I know for sure that i don't have any outstanding debt; and i have had my identity stolen before. LETS GET THESE [***] SHUT DOWN!!!!

WHAT TO DO:
1. DO NOT GIVE THEM ANY INFO AT ALL!! (Dont even verify your phone # or name)
2. Call your local Police Department and file a report (this will be of extreme importance if you have any issues with them in the future)
3. File a complaint with the Federal Trade Commission:  https://www.ftccomplaintassistant.gov/

If they've contacted you from only this number (703-921-2258)...look up, on this site (703-921-2201) ...same company, same people, and 55 complaints!

Tried calling this number, asked why they were trying to reach me. A foreign man answered by saying "don't call to play game" and hung up on me. What a joke!!!!

DON'T TRUST PEOPLE TRYING TO COLLECT MONEY FROM THIS NUMBER!!!!
I got a call from this number saying that I owed money to a hospital that I had owed money to in the past.  Be careful, because they have partially correct information.  But when I told the man that I had to verify with the hospital, he exclaimed, "YOU CAN VERIFY ALL YOU WANT BUT AT THE END OF THE DAY, YOU ARE STILL GOING TO OWE THIS MONEY!!!!"
We verified with the hospital and we do not owe this money.  I'm going to do my part and file a complaint and I hope you do the same.  I work hard for my money and I'm sure you all do too.  Help us shut these thieves down.

They left a msg for a person I do not know - on the msg they say "If you are "Joe Blow' stay on the line - by staying on the line you are confirming that you are "Joe Blow" & that you do owe a debt."
Seem like a pretty shady!

6142 Franconia Road
Alexandria, VA 22310-2597
(703) 924-3000

Apparently I'm now Ross Carlsson...
Got a call from Suburban Credit Corporation about some business matter. They asked to call back.
Yeah, right...

They're using other numbers now, too:  703-921-2244.  I'm reporting them, hope the rest of you bother to as well!

Called up the number given above and they said they would remove my number. This had persisted for months, I thought they would get the hint, but hopefully this will end for good now. They were very cordial and helpful on the phone, so I have the highest of hopes.

To the [***] that keep calling MY PRIVATE CELL PHONE NUMBER, STOP!!!

Like many others I have received a call from Suburban Credit Corporation, naming me Ross Carlsson and stating that it's a debt collection issue. I'm not Ross and have no idea how my number ended up associated with that name.