8004558026

collector trolls posting lies again

REPORT THEM TO THE MASS ATTORNEY GENERAL AND YOUR OWN STATE ATTORNEY GENERAL   http://www.mass.gov/ago/


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

Caller ID:  Out of Area : Unknown Number
Left a message on my answering machine
:  If this is not JANE DOE please call 800-455-8026 if you are JANE DOE there will be a brief pause for three seconds then is follows and states this is Dave Gerdy from EOSCAA and this is an attempt to collect a debt.  Please call 800-455-8026 x 14186 with a ref#.  Then proceeded to leave a threat of litigation and wage garnishment after stating he has been trying to collect on this debt for three months with no reply.
ISN'T THIS AGAINST THE FAIR COLLECTIONS ACT TO THREATEN SOMEONE?

It's xm radio trying to get extra money from you after tour service has ended.

Thank you - it all makes sense now.  I cancelled XM Radio and then got a BILL for triple what they quoted me!!!  I'm livid.  And not got this collection call - I'm going to the BBB next!  This is a disgrace

Have been recieving harrassing calls continually from phone number 800-268-9806 looking for an unknown person to me.  Gives instructions to call number back to the same number to have your phone listing removed if you're not the person they're seeking; but doesn't really seem to be the resolution.  I am on the No Call list and want to know can this company be fined for these continued calls after I've requested my phone # to be removed?  The recorded message also ties up your telephone line after you hung up on your end until their complete message plays.  Very annoying and intrusive!!

Received phone calls from this company saying they were affiliated with T-mobile and continued to try to get me to give them personal information saying I had an outstanding bill. When I told them that I would not give them any personal information they got rude and said I would just keep getting phone calls then. I called T-mobile to make sure they didn't have me down as having any outstanding accounts with them and they have never heard of the company claiming to work with them. After several times calling them to get taken off their list I finally demanded to talk to the supervisor and another gal, although sounded like the same one, came on and said is this your address? Which it wasn't, then said is this the last four digits of your social? Which it wasn't. She said then we have the wrong person and hung up. Please be careful people!!!

Someone called my sister from an UNKNOWN number, they gave her the name of "Daniel Star" at 800 455 8026 x 14336, pushing to get my phone number from her (she didn't give it up) and they made it sound like some kind of collection agency, she said very pushy for more info but not good about explaining themselves. If they were trying to get me for actual debt collection, doesn't make sense, I don't owe anything... seems like a scam to me.

Even more suspicious: my sister has an unlisted phone number and is on the do-not-call list, its very unclear how they even got her information to try to reach me, she is married and doesn't even have the same last name as me anymore and lives in a completely different state, everything about this situation is shady.

Dave of "EOCCA" called me (by my first and last name ON MY CELL PHONE) asking for "my wife" regarding an important business matter.  Dave also told me "my wife" said this is how they can get ahold of her.  If "my wife" has an important business matter to take care of, then why is EOCCA calling me?!  He said to have her call him back at 1-800-455-8026 extension 14232 and to quote his reference number.

Brian, if you respond to this "debt", then you are paying the collection agency, not AT&T.
After 180 days of non-payment (or whatever dispute you had with them) AT&T can't be bothered with you.
My advice to you is to ignore the collection agency and drive the original creditor nuts (i.e. call AT&T a few times a day without being abusive) and see how they like feeling powerless to do anything about their own account. After they tell you several times, "Sir, your account has been (charged off/sent to collections)", I guarantee you the colllection agency will be sick of calling you, too.  I did that once with "Fairlane Credit" and after a few months, MRS Associates (the second collection agency) in Cherry Hill NJ left me alone.  Cost me about $300 one month on my cell phone but it sure felt good bringing that one woman in "Fairlane Credit's" customer service to tears!!
Everytime "EOSCCA" or whoever they are calls you, YOU CALL AT&T and trust me going in circles works.  The collection agency calls you, you call the creditor, the creditor calls the collection agency.  The creditor and the collection agency get aggravated with each other and they get out of your hair!!
Do this EVERY TIME with EVERY COLLECTION AGENCY it works!!

Send them a letter that the are to cease and desist calling your employer and you and your job or your home about the matter.  Put it in writing.  Send it by certified mail or a fax so you will have proof you sent it.  They should stop the calls.

There are laws about contracts.  If you had a contract with them and did not honor it by paying and it has been a certain number of years since you paid, for example, 3 years in North Carolina, and you don't re-enter the contract by paying them or promising to pay them or setting up payment arrangements, the contract is void.  Technically, the can't sue you but some try to anyway and just present the facts in court ( it's different depending on the state you live in) and it will be dismissed on the grounds that no payment has been made on the account in the time frame allowed by law.

I'm having the same issue.  The previous homeowner owes everyone and they are using some sort of reverse phone lookup based on the address.  They keep calling (along with other collection agencies) for the prior owner.  If you call them at 877-294-5776 and tell them to remove you from their calling list, that you are not the person they are looking for, they should stop calling.  DON'T give out any personal info, however.  If they continue to call, you can then report them to Donotcall.gov
Good Luck!

I just got a call that said if you are not the person we are calling you must call 8002031552 and remove your name. or you are a acknowledging that you are that person and then a pause and then we are debt collector and you need to call  18004558026, well I call the first number and said get my name off your list and they wanted information and just hung up. they got my number so they are not dumb. I do not communicate with debt collector over the phone.  I usually send them a response with a letter and they run. if anybody need help in fighting these scum bags. let me know .
first thing that you tell a debt collector over the phone is " I DO NOT DO BUSINESS OVER THE PHONE IF YOU WANT TO COMMUNICATE WITH ME DO IT BY MAIL AND ONLY BY MAIL." then hang up, because if you communicate with them over the phone you are contracting with them and they will drag you into a contract under the law of presumption. which is no law but the theses scumbags use it and the courts knowledge it. your silence is their right to contract with you. be careful.

Same thing happened to me - looking for my son in law - I called the number 877-215-2635 - told them I wasn't him and they said they would take my phone number off their contact list - they answered the phone EOCCA

I received a call from a company that didn't provide a name, only the phone number 18004558026 ext 14289. I went to google and typed in the number? I didn't find anything, but I did find this site with others feeling as I do,,,, Angry, confused and pissed..

800-455-8026 is EOCCA - a collection agency.  In this case calling about a $25 past due bill for XM Radio!

Woman with incoherent accent from EOCCA called my boss about garnishing me.  Had no clue what she was talking about

Tonight 1-800-455-8026 ext. 14282 called our home and said it was extremely urgent that I call them back asap. They did not say what the call was about. As the girl was hanging up she was talking to someone in the back ground and her exact words were, "I'd hate myself if I had a last name like that!!" She was pronouncing our last name COMPLETELY wrong. Who ever this co. is they better start hiring people that can read and pronounce words properly. Also someone who knows how to hang up a phone before talking about the person. She did say something about the co. being CCA but she also said some other letters which because she spoke so fast I could not catch even though I replayed the message over and over several times. The same also goes for her name which sounded something like Jordin. I tried to call the person back to see what it was all about and give her a piece of my mind about my name and it's correct pronunciation but no one answers the phone. So why do they tell you it's very important and to call right back if they are not going to answer the phone.

recieved a call from this number stating it was EOCCA. They were attempting to collect a valid debt. I asked to have them mail something to me in writing stating that if I pay the bill they would remove it from my credit report. He said it wasn't on my credit report and if I pay them it wouldn't show up on the credit report. I am calling Sirius satellite radio to verify.

I got a message today from an unknown number twice and they sold me to call me back to take my name off the list or they would assume its me.  Serious matter but they called themselves EOCCA.  At first I was worried till I read every ones post on the site.  Thank God for Google :)