7074542010

My SON who doesn't live with me & is an adult, not me owes some money. A woman, certainly not a lady, called my place of employment looking for my son who doesn't work there. She then said "You probably are not very happy about your son. Have a nice day. (click)"

I alled back & left a message that they do not have permission to attempt to leave a message for my son at any of my phone numbers or addresses.

My credit is excellent. I don't need to be harassed my this thing.

Yea, but what about those who do not owe!!!! If you are doing your job. Stop using a recording and use your real voice. If one colltion agency already has the billed in collection, what are you trying to do?

I usually gets a recording. This is an imporant message for...... If you are...........please press 3. I have already told these poeple that I do not owe they anything. Therefore, I just ignore the calls and hang-up. This pass year,A-1 collection agency have a collection bill for over 2,000 for a instructment that was returned in 2003 to the Middle school. And now Rash Curtis and Associate are trying to collect on the same bill. I have a letter from the band director stating the instrucment was left there at the school. Don't let them scare you, because I have reported them to my lawyer.

I am getting calls on my cell phone asking for a friend of mine. He has his own cell phone. What I would like to know is how did my cell phone # get associated with my friends cell phone #. He does not even live in the same town as I do, much less in the same house.

My insurance paid for my bills in full plus the doctor accepted my copay. Now I am being double charged for the same bills & Rash Curtis & Associates are now threatening to take my home....hey come & get it, it's yours, it's paid for, but ya won't get far MFer.

Woman & man from company were swearing at me, threatening my life, threatening to take all of my belongings away, threatening to put me in jail. I  teach insurance fraud for a living for Medicare. I KNOW the laws about insurance fraud.

I am also a trauma specialist. I care for patients with no medical insurance because it's the RIGHT thing to do. Not because they have insurance or not. Most hospitals have leeways in what they can charge or not charge & actually have charity care that is provided to those that have no insurance.

So leave those alone who need the care, have no insurance, and need to be taken care of at any ER around the USA. The bills will get paid either way.

RL--
These thugs have violated multiple FDCPA laws by:

Making threats of legal action which are illegal and cannot be taken,

Threatening arrest (the collection of debts is a civil and NOT a criminal act), and:

Threats of violence.

You need to report them to your local law enforcement for making a death threat and to the FTC:

http://www.ftc.gov/ftc/contact.shtm

Rash Curtis and all its employees are the worste kind of gutter filth that comes to mind when one mentions lawyers with a disgustful taste in their mouth. There phone tactics are ruthless, rude, harrassing, and far from ethical.  I saw an A- rating in the BBB that must only come from a hefty donation on the behalf Satan's own henchmen sent forth to intimidate citizens unable to repay a debt in a timely manner.  These are the folks who would re-instate debtors prison if they could.  They are evil and all that they stand for is vile.

You people are nothing more than Facists!!!!

yes, it is true.  I would consult your state Attorney General about this issue.

your a scab on the face of society.

I was harassed by this company and did not owe a debt. They treated me as if I was a lower citizen. Post all you want Rash Curtis. You are the most unprofessional company I have dealt with in 25 years of business. The vendor that made the mistake of reporting me for non payment of a bill that I paid, and contacted them 3 times before this company would stop harassing me. What is more amazing, is that this Rash Curtis company treated them just as rudely as they did me. Truly, nothing is better than relaxing for the evening (typically 8:50 pm), the phone rings and you are being yelled at, even cussed at for a bill you do not owe. This company enjoys the negativity that is surrounded by the internet, and they love the "drama" wrapped around hurting people and treating them badly. I have never seen anything like this. They enjoy the yelling and cussing and lets not forget the repeated HANGING UP on people while they are yelling. Forget them, this company has been reported to the BBB several times. I have been in business for 25 years and not one BBB report. Stay away from this company.

you need another job then azz wipe

you tell them no more calls at work ,they have to stop .One called me at work in the middle of a family's funerial on a sunday.they have lawers that can take care of them.with a poss.law suit .

http://www.budhibbs.com/debt_collector.htm

The Debt Collector
Money Beggars
Liars, Lawyers,
Con-Men & Thieves

Who Seeks a Career as a Debt Collector?

The average debt collector is male, has a large ego, bounces from job to job, suffers low self-esteem and enjoys using the telephone as an instrument of empowerment.

You shouldn't be surprised to find most of them have great debt problems themselves. (Even though they post on complaint boards that they do not)

Collectors see themselves in a position to take advantage of those they deem weaker, in an effort to overcome their own insecurities.

They normally will talk-over any issues you may have, threaten and intimidate you, lie, misrepresent themselves, abuse, annoy and attempt to push you as far as they can.

only 2 out of 10 are honest and hard working.

The greater percentage are deadbeat scum either just out of, or heading back into a jail cell.  

Collecting is a male dominated business and because of the shortage of skilled workers, agencies are hiring anyone who can walk and chew gum to make their calls.

Social skills, education and career orientation are NOT normally the prerequisites for a debt collector – money beggar position.


After all, a portion of what they collect from you becomes theirs.

You'll hear standard phrases such as: "what is your intent" or "I'm going to recommend that our client take immediate legal action against you."

The innocent unsuspecting consumer feels threatened, even terrorized by the antics of unscrupulous debt collectors.

The really bad ones will call you at work, violate third party disclosure, or worse, threaten you with arrest or wage garnishment if they don't have the money today!

They'll try to persuade you to pay off old debts using your new credit card, via Western Union wire transfers, bank drafting, debit checks and cash.  They will tell you your credit report will be clean if you just send them the $ MONEY$.

The National Consumer Law Center (NCLC) and the National Association of Consumer Advocates, (NACA) assist attorneys across the country in pursuing agencies and collectors who violate the law and your rights.

Collectors are learning that the phone name they use and the perceived anonymity of hiding behind a telephone can easily be overcome with today's modern technology and investigative techniques.

Some collectors are learning first-hand that they too, can be charged with making threats over the phone and that their employers don't provide bail money or legal representation.

Creditors are increasingly becoming less tolerant of agencies that allow abuse and will drop those that don't comply.


I urge you to complain about collector abuse by contacting the FTC, the American Collectors Association, the original creditor and your state bar association (against attorneys), or me if you feel your rights are being violated.

There is a nationwide group of professional consumer attorneys, skilled in debt collection laws that passionately defend the rights of consumers against these illegal collectors. No consumer should ever suffer abuse from a debt collector.

The laws WILL protect you!

HOW TO HANDLE ILLEGAL COLLECTION CALLS AND TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU


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

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

they called me again at .at 5:15 am today3-30-2010, unfortunately I was burying some ones mother at the time, i am a grave digger for a funeral home-cemetary you called me at 10:49 am sunday 3-28-2010 on my work phone. you are obnoxious calling me on a sunday. do not call my number anymore. Robert Pratt.

Team up with me.

i will back you ,I work inm a cemetary, and they called in  the middle of it.

they think they are un -touchable there not ,don't let them talk to like [***] .there going to lose ,be calm let them cut ther throat,cant do nothing .They called my job phone ,when I was in a middle of a funeral,my job. I can sue for harrismant ,for 500,000 and win .don,t let people push you around

everybody that wants to stop this e-male to robertpratt@juno.com......need your help to stop this madness.