716-514-4824

Received a voice mail regarding a personal business matter that required my immediate attention. Soons like a collection Agency.

Gentleman named David Black states that he is going to file suit on a partially paid Discover card that the last group that called said would be paid off with a $562 payment of which receipt was never sent by postal mail. If this is a deck collector then he is misrepresenting himself as from a law firm.

Did the first debt collector send you a dunning letter in the mail as required by law?  Did you ask them to validate the debt?  Or did you just pay them?  If you just paid them, you are now considered an easy mark and this is why they are calling again.  You don't know what the law says, and you don't know your rights so no you are the victim of a crime.

When you make debt collectors follow the letter of the law then you know you are paying a valid debt, not something made up by some criminal.

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

In order to protect yourself:

You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter (think of it as the best $6.47 you ever invested).  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

Since, as you say, you received a validation letter from them, then you should have no difficulty in providing the company's name and address.  It is printed on their correspondance, right?

Of course, I just had find this number aND praise their non-scammy services.

What is the address?

So why would you make payments to a debt collector at high rates when you could have just called who you owed and made arrangements directly with them? There is no law saying you have to deal with debt collectors. There is no law that says you must make any payments to a debt collector.

Obvious shill is obvious.

So what would be the name of the company that sent you this certified letter?

Also, exactly what was your "current-passed situation"?  Was that a screen, slant, post, or flag route?

All doubtful. In my fifteen years of fighting around thirty debt collectors, not one has ever sent me Certified Mail, not even the lawyers. They don't want paper trails and they all hope I never read what they send.

A dunning letter is not proof you owed or that its sender is qualified to collect. That you "knew you owed" does not relieve the collector of its need to respect your rights. Debt collectors can be utterly polite and still break the law. Your "settlement" was based on their calculations of commission and profit. Don't believe for a moment that your problems matter to them. They will return someday to jerk you around and force changes to the deal.

Try again with your lies after you've "current-passed" a remedial English course.

You & I both know better than to believe one word of that pathetic Shills post. If someone actually received a certified letter from a "Buffalo Buffoon" it would go in to the history books & would probably be displayed at a museum in DC that exhibits the best examples of mail fraud.

I believe such a letter is featured on the "Mysterious Mysteries" TV series, between the shows on Sasquatch, Shroud of Turin forgeries, prehistoric lake-dwelling monsters, and crop circles.

Yeah, and the guy that wrote it is sure to be featured one day on "American Greed"...

They called and said I owed 1400 for a credit card but it was 844 804 3952

You can stop being a lying SHILL! You have no credit, you have no life. You have no honor & you're an embarrassment to your country & your family. That about sums it up "Darlene".
If you'd like to discuss this with me further, feel free to. I'm here all the time & I like to take apart SHILLS for fraud-shops. Do you think you're up to the task "Darlene"?
Bring it on &...
Skeff Ett Liv!
 Gunnar

"I just got  papers "  Good then you can tell us the legal address of this debt collector.  It should be right there on the "papers" you received.

I got a message from a David Black and from a 844-804-2952, I just want to know if this people are scams. They said their a law firm trying to collect a debt but when I try to google them out a diff company pops up...

Almost certainly a debt collection scam.  Ignore them and block their number.

Just because someone on the phone calling you says you owe a debt does not mean you actually owe it.

If a voice on the telephone claims you owe a debt:

1.    Demand the person give you his or her name, company name, and address
2.     Demand a debt validation letter by US mail.  E-mail no good.
3.    Do not pay  the collection agent or anyone else a  dime until the debt is validated

Of course they won’t do this, no scammer ever will, so simply ignore them and block their calls.

If they are bothering you, report them:

http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening civil proceedings with no intent to follow through, or threatening criminal process in order to collect a civil debt is a  violation of the Federal Fair Debt Collection Practices Act.)  The same goes for endless telephone harassment

Also contact your local attorney general

If they continue to bother you,  and you know you do not owe any money, tell them that you know this is  a debt scam and that you are making a complaint to the police for extortion.  Once you get a copy of the police report and they call you again , just read out the  file number and the name of the PD or Sheriff’s office involved.   Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.

You'll probably have to yell at them and talk over them.
You have to get tuff with these people because,  being akin to thugs, brute force is (metaphorically speaking),  the only thing they understand.

Thank you so much for the advice and for the information.