800-654-5391

unknown caller

This is a collection company called Hudson and Keyes.  They will use tactics such as checking employment records.  Also will call people with the same last name spelling as the person they are looking for, in hopes to snag a lead.

I have received two calls.  The woman named Katie says she is "checking employment." Thanks, Brugen, I didn't know it was a collection agency although fortunately I was finally able to drag the name of her company out of her.  

FYI, it sounds like a mechanical woman possibly from another planet.

Got a voicemail from "Shannon". Stated she was with Hudson and Keys and needed employment verification on an employee.  She stated to refer to a file number.  I looked up this phone number to see if she was with a law firm in case of a subpoena (I'm custodian of records).  On our voice menu we have the information on how to do an employment verification.  

Thank you for taking the time to post that this is a collection agency so that I know not to bother calling her back.  I really hate that they want the HR departments to do their work for them

Caller left message and claims she is verifying some employment information and would like to go over some items with me.   Do not have a clue what they are talking about.  Did research on Google and found out they are a low end collection agency buying old accounts even those that are expunged.

My client has received calls from them. They are so stupid. It sounds like they have combined an old folks home and a collection agency. Give them this number and nothing more. It will get rid of them, 212-561-5154. This number blows their minds. Call it to see for yourself. Please do not leave a message or you might get called back and yelled at - because it is only for collectors........ You'll laugh ... They don't

Just a tip,

From the Credit Master

A woman named Tiffany keeps calling for me. Pretty sure it is just a collection agency, even though it sounds like a law office. That may be for intimidation purposes though!

did not answer. they left a voice message which was someone breathing heavy and typing on their computer. Then they blew their nose and hung up. Thanks to this website, I know who this is. I am in Ch 13 and am paying everyone, so this contact is a violation and will be reported to the Trustee.

well what do they want? she stated it was about a file.

Says he is Earl Smith of Huson & Keyes

Noticed there number on my caller ID.

They must be getting desperate.

Hudson & Keyse, LLC
Aka/ The Debt Recovery Center
382 Blackbrook Rd,
Painsville, OH  44077-1217
Phone: 800-654-5391 or 440-354-6978
Fax: 440-354-1336
Head Debt Collectors:
Joseph M. Carroll, President & CEO
James A Terwoord, CFO
Francis Carroll, CIO
John C. Reid, Chief of Staff
Web Address: www.hkinc.com

This is a bottom-feeder who purchases old, mostly worthless debt for pennies on the dollar, then marks them up and attempts to collect. They are the typical bottom-feeder who manufactures bogus documentation to supplement their portfolios and credit bureau reporting.

Joseph M. Carroll has been a collector of debts since 1985, Carroll can be reached at (440) 354-6978 Ext. 111 or via email at: jcarroll@hkinc.com.

The debts they purchase come from a variety of sources, some fresh, many old, stale and worth very little. They resell a lot, meaning they are likely old, out of statute, possibly discharged by bankruptcy and probably severely lacking in valid legal documentation to validate their authenticity. This means that court cases and credit bureau reporting should be vigorously challenged validity. As with most bottom-feeders, Hudson & Keyse hires lawyers to file suits, experience has shown the majority of these type lawyers are lazy and lacking in FDCPA experience. Consumers should always respond with demands for all documentation that validates their claims.

Any court cases containing pleadings and documents, such as affidavits, supplied in-house by Hudson & Keyse should be challenged. Most bottom-feeders manufacture these type documents and the pleadings are usually hearsay, meaning made up to lie about their authenticity. These money grabbers feed off unsophisticated consumers who may not understand their rights and hope you won’t show up for court filings, so they can obtain a default judgment.

Consumers contacted by Hudson & Keyse are urged to dispute the validity of all accounts. Send them a certified letter demanding all documentation that validates their claims. Validation should include a cardholder’s agreement containing your signature. Any affidavits or pleadings provided by Hudson & Keyse should be challenged. Many consumer law attorneys are demanding the signors of these bogus documents filed by bottom feeders like Hudson & Keyse be required to take a deposition so they can testify to the truthfulness of heir statements, this results in many cases being dismissed, as they do NOT want to commit perjury.

Don’t fall victim to the scam of a bottom feeder such as Hudson & Keyse, they can be defeated with the proper assistance.

http://www.budhibbs.com/debtcollectorpages/hudson_keyse.htm

I got the call today from this number and a lady spoke with me. She said that I didn't pay for my Bank of America credit card since 2004 and I said that I do not have one. Then she was trying to verify my name, I said that's correct and she asked me the address, I said that I cannot give my address and asked her to give the address which is on the records and the credit card number which she was refering. She giggled and hung-up

Have the last laugh and send them this letter demanding validation of the alledged debt they are calling about VIA certified mail with return receipt requested. See my post dated 11/14/08 for their mailing address.

If they can't (or won't) prove that you own this alledged debt, they get NOTHING. It's that simple.

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state).

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.

You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA.

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

They are now using a new phone number:  866-327-2973 Called for 1 of my employees.  Nicole Davis and yes they try to sound like an attorney office.

Called on a debt from 1996 which was settled in court. They had nothing to stand on back then. My credit card was used from the copies back then they carbon paper. They had no signatures and could not prove their case.

They said they were not aware of the outcome.

Hudson & Keyse, LLC
Aka/ The Debt Recovery Center
382 Blackbrook Rd,
Painsville, OH  44077-1217
Phone: 800-654-5391 or 440-354-6978
Fax: 440-354-1336
Head Debt Collectors:
Joseph M. Carroll, President & CEO
James A Terwoord, CFO
Francis Carroll, CIO
John C. Reid, Chief of Staff
Web Address: www.hkinc.com

--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

This is a bottom-feeder who purchases old, mostly worthless debt for pennies on the dollar, then marks them up and attempts to collect. They are the typical bottom-feeder who manufactures bogus documentation to supplement their portfolios and credit bureau reporting.

Joseph M. Carroll has been a collector of debts since 1985, Carroll can be reached at (440) 354-6978 Ext. 111 or via email at: jcarroll@hkinc.com.

The debts they purchase come from a variety of sources, some fresh, many old, stale and worth very little. They resell a lot, meaning they are likely old, out of statute, possibly discharged by bankruptcy and probably severely lacking in valid legal documentation to validate their authenticity. This means that court cases and credit bureau reporting should be vigorously challenged validity. As with most bottom-feeders, Hudson & Keyse hires lawyers to file suits, experience has shown the majority of these type lawyers are lazy and lacking in FDCPA experience. Consumers should always respond with demands for all documentation that validates their claims.

Any court cases containing pleadings and documents, such as affidavits, supplied in-house by Hudson & Keyse should be challenged. Most bottom-feeders manufacture these type documents and the pleadings are usually hearsay, meaning made up to lie about their authenticity. These money grabbers feed off unsophisticated consumers who may not understand their rights and hope you won’t show up for court filings, so they can obtain a default judgment.

Consumers contacted by Hudson & Keyse are urged to dispute the validity of all accounts. Send them a certified letter demanding all documentation that validates their claims. Validation should include a cardholder’s agreement containing your signature. Any affidavits or pleadings provided by Hudson & Keyse should be challenged. Many consumer law attorneys are demanding the signors of these bogus documents filed by bottom feeders like Hudson & Keyse be required to take a deposition so they can testify to the truthfulness of heir statements, this results in many cases being dismissed, as they do NOT want to commit perjury.

Don’t fall victim to the scam of a bottom feeder such as Hudson & Keyse, they can be defeated with the proper assistance.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.      


COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY

Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm



From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

I got a call from these people and they didn't leave a message. I called back and they couldn't pull up anything with my number nor my name. I have been getting calls from all sorts of collection agencies for Walter and/or Lourdes Madia, so I gave them those names. They still couldn't find anything. Hello! Why are you calling me if you don't even know who, what or why you are calling?!

I've received numerous calls from this place asking to speak with Patrice/Patreesh(?) Medina. I've had this cell phone number for over 9 years, and for the past 3 years, they've been calling and asking for the same person. Every single time I have to tell them that they have the wrong number, that there is no one here by that name, and that I do not know anyone by that name either. They apologize and say they will remove me from the "list." I still get a call from them about once every 4 months.

They have been calling my cell for awhile and never leave a msg. Finally I answered one of their calls expecting a telemarketer or a fax machine and it was a lady who wanted to speak to my wife. I told her I wa her husband and wanted to know what this was about and she threw out the 'legal purposes I can not tell you that'  I asked what company was this call from and she would not tell me and then I asked her name she would not tell me. I told her to send correspondence through the mail and not to call me again. About an hour later I Googled them and found this forum. I called them back and asked held for another lady who I explained what happened earlier and told her I knew this was Hudson and Keyes. She confirmed it was and then I told her that I have been handling all of my wife's finances since 2002, so if there is an outstanding debt then could she send me the copy of the contract and any other correspondence. She said that they have been sending a lot of correspondence and they will not send anymore since it has passed that point.  If it passed that point then why are there people calling me? Well to me that tells me that they had nothing because I do not know of any credit collection agency that would not want to talk to the person they are hassling. 2002 to 2009 is 7 years which makes any debt wiped off your credit report.
My fear is the new thing credit collection agencies do and that is they still pull an old debt let say from 10 years ago, bring it to the court system and ask the courts for a settlement on this debt say if you do not go to court to contest this then the court systems (which are over worked and not too efficient) will give them their claim because you did not show up for court even though they illegally used an debt that is passed the 7 year mark. Typically, you get a letter and notice it was a debt that was wiped out 10 years ago so you ignore it.. Your ignoring it will give the collection agency a chance to go to court and when you do not show up they get the settlement to collect. So be warned.. talk to all these debt collectors or they will do ANYTHING to get the money legally or illegally.
My wife is a stay at home wife, no assets in her name and they can garnish, sue all they want because she has nothing to pay them with.
Yeah this company is very shady - watch out and document who, when, and what is discussed so in case you need to sue them and retire early for their illegal actions.