800-455-8026

I got a call from them too. They left a message on my answering machine. The message said that if I'm not the person they're calling, then dial [some number, it didn't sound coherent] to have my name removed from their call list. Then it said that if I continue to listen, then I acknowledge that I AM the person in question and that they are attempting to collect a debt. I didn't fall for it, so I deleted the message.

About a year ago, another collection agency tried to collect a debt from me that was owed by a former roommate. I don't know why they're bugging me about it, but they persist. My name is on the Wisconsin no-call list, but I'm not sure if it includes calls from collection agencies. Otherwise, I'll wait 'til they call again and try to get that no-call number from them and see if that works. If it doesn't, then I'll do the militant black lesbian routine. That usually works!

These guys are stupid. They tell you to call the number and spell the last name of the loser they have assigned to you. My guy was JARED. No last name and when you try to enter the mail box number 14026 it either says its invalid or rings forever. My XM radio had expired and they said I owed 38.45. I remember signing up for 1 year of XM, NOT 13 MONTHS. They said you must call and cancel the service or it continues for an extra month. I think XM is just trying to line its pockets by trying to get an extra months service fee out of cutomers and they use a [***] collection agency . By the way, I have never in my life ever had a call from a collection agency but if they are all like this EOCCA, I feel sorry for people that have to deal with these [***].

Just to clarify, EOS CCA is a debt collection agency. They are a Fortune 500 company with offices all over the U.S., Dallas, Denver, etc. Their main office is located in Norwell, Mass. They deal in many different types of collections, student loans, telecom debt, xm radio, etc. The messages left on answering machines are very cryptic due the laws of the FDCPA. The FDCPA prohibits any debt collection agency from releasing personal information to a 3rd party. In order to release details information has to be verified, i.e. social security number, address, etc. These are laws that all debt collection agencies must follow. The message left on the answering machine is called a FOTI message. This message is necessary due to a lawsuit by a man named Foti. He sued a collection agency for releasing his information to a 3rd party. Now that message is all that debt collectors may leave. If you don't believe any of this you can take a little bit of your precious time to surf the web and educate yourself instead of bashing on people you don't know about things you know nothing about in this blog.

Recieved an automated call from EOCCA this afternoon asking for my husband.  I almost didn't bother calling the number back because recently other collection agencies have been calling us trying to get info about my ex sister in law and my neighbor, but since I didn't want them to continue harrassing us, I called the number with the reference number given.  Even though I wasn't my husband, they didn't hesitate to give me the information regarding the overdue account, and didn't ask for any verifying info other than confirming our address and phone number, which they had already.  They told me they were a "Pre Collection Agency" and that they report nothing to credit reports, but I'm not sure I believed that one.  They weren't rude, just told me that he owed Verizon a small amount of money and that he would be getting a bill in the mail for that amount.  However, I knew this to be a mistake because I am the one who pays the Verizon bill and we had gotten a statement showing a zero balance.  After dealing with Verizon and being told they would contact the company to cancel the debt, I called the company again to tell them I had spoken to Verizon and that it would be cancelled.  I was told by EOCCA that I shouldn't even have received a call yet and that he would make sure to note my account and I shouldn't receive another call.  HOWEVER, I received another automated call just after dinner that same night!  Now, I'm annoyed and I don't think I should be harrassed over $30 that I don't even owe, but was a mistake on Verizon's part.  We'll see how this all ends...

Strange, the recording says "EOCCA" but there is no such company. If its really EOS CCA why are they giving out the wrong name?
They are apparently using other phone numbers as well.
They left a message on our machine looking for someone that is not us, and the message says "if you do not hang up now, we will assume YOU are this person".
Someone explain to me how an answering machine is supposed to do that.
Where are our law enforcement agencies and why are they not doing their jobs.

Called regarding an outstanding balance but left no details only a reference number.  Returned call the call but no one answered and no voice mail.

call left on my cell phone 800 964-5439 Jim Johnson left a message asking me to call back about a personal matter

I was told to call this company by at&t for a debt that I have which is outstanding (long story)...but when I call this number I dont get a live person. Anyone know about this? If so please email me alh01488@gmail.com

Obviously, you must work for this shady based company. they have called for my deceased mother constantly. the calls are harassing. we have informed this company of her death many times and have been promised the calls will stop, but they do not!!! we have reported them to the local police dept. but there is nothing they could do with a number that claims to be disconnected when you call it back. someone should do something about this company.. since you seem to be so adamant about protecting these people, please reply with your home phone number( please include your family members also) so that myself and everyone else on this site may harass you and your family for a debt( presumably) that is not yours.  thanks and we will all be waiting for that phone number

Received a call from 1-800-455-8026 ext 14149
Left a voice message asking for someone who doesn't live here.
If I am not the person who lives at this phone number they want me to call them to take my number off their list.
If I am that person I am to call this number about some "abuse" problem.

My action: Do nothing about calling this number back to them.
But I am going to report this number to the BBB.
And, I urge you all to do the same.

I just tried the BBB...the form is not good.
So then I deceided to get on the DO NOT CALL REGISTRY>
here is their web address.
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

look on the left column and file a complaint.
the more of us who work together...maybe we can stop CCA

YOU PEOPLE ARE SO MISINFORMED...PAY YOUR BILLS AND STOP BUGGING

Someone a female called and said they were calling about a debt.  I don't owe any debt this is a scam the lady had poor diction and did not talk well.  l there is a number 7818718274 that came up but a different call back number was given.

This is a scam do not call back and report to the better business bureau

so i owe some money to at&t, i understand this company is a collections agency but jesus do they have their books wrong. i owe at&t $71.85. eoscca tells me i owe them $105.00, plus fees and interest.   all i can say is that if the people i owe the money to (att) are telling me i owe 35 dollars less than this agency.... theyre sure as hell not getting any more than the 71 dollars. and i'm paying it direct to at&t, i just dont trust 3rd parties. i asked the girl on the phone if i could fax them a copy of my att bill and of course she said no and that they had the right numbers. so then i called at&t, and they're telling me that they dont know what eoscca are talking about... big surprise.... all i can say is that after this is all said and done i'm not going to miss a payment ever again. this crap is RIDICULOUS.

I keep getting phone calls from this same company, and they even called my aunt who doesn't live with me telling her that this is an important matter and that I need to call back right away.  The difference is the number is 877-857-9755, but its the same company.  They need to quite.  I am going to report them to the better BBB.  See how they like that!

I got a call from (800-434-8681) for "Wada Asevedo"at my work phone number.  The recorded message said :"If you are not Wada Asevedo, Please hang up.  By listening to this call, you acknowledge that you are Wada Asevedo.  I will now wait 3 seconds before delivering the message" The recorded voice then waited 3 seconds and left a message saying there was an important account to settle.  Call back at the above number and refer to account 40944887.  At some point they identified themselves at EOCCA.  The recording also indicated if I wanted my work phone number removed from the data list, I should call the 800 number above.  These calls happened once a week for several weeks. I did not call back

These guys are scammers, notice the amount they are collecting is always small $150 -$175 and it's always with a phone company or utility company. They send me notices fro Sprint all the time one was for $85.00 one was for $172 and one was for $154. Well, I have never had Sprint. If you check the credit Bureau their name is not one as a collected debt. This is a SCAM and they are bilking probably millions out of people who don't take the time to check them out and see if they are legit. People just look at the amount and pay it so it doesn't go into collections.The guy that wrote in and said it's a collection agency probably works for this company. If you call the number to have your number removed and your not the person...it goes nowhere. CROOKS!!!!!!!!!!!!!!!!!!!!!!!! beware

They called my neighbor asking her to tell me to contact them!  Why are they bugging my neighbor?

1- 800-455-8026 ext;14321

THEY ARE AN ILLEGAL COLLECTION AGENCY - THEY CHANGED THEIR NAME TO RUN FROM COURT JUDGEMENTS..   THEY BREAK EVERY STATE AND FEDERAL FDCPA LAW TO COLLECT ON OLD WORTHLESS DEBTS - CAITYBABY93 IS NOTHING BUT ONE OF THEIR COLLECTOR TROLLS THEY HAVE POSTING LIES ON THIS WEBSITE

REPORT THEM TO THE MASS ATTORNEY GENERAL http://www.mass.gov/ago/  ASAP
AS WELL AS YOU OWN ATTORNEY GENERAL


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
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