800-783-4936

The office said it is Midland Company

BAHAMAS MARKETING GROUP AKA ST. ARMONDS GROUP
Posted in:  https://800notes.com/Phone.aspx/1-877-264-8475
https://800notes.com/Phone.aspx/1-309-889-0790#p847039568793254115
https://800notes.com/Phone.aspx/1-775-299-3736#p840323169968491965
https://800notes.com/Phone.aspx/1-469-351-3450/2#p848172446324587735
https://800notes.com/Phone.aspx/1-225-334-8330#p848291663075167588
https://800notes.com/Phone.aspx/1-815-768-4775
https://800notes.com/Phone.aspx/1-404-537-2999
https://800notes.com/Phone.aspx/1-385-222-3771#p859859869612163885
https://800notes.com/Phone.aspx/1-910-444-1349
https://800notes.com/Phone.aspx/1-844-209-3167
https://800notes.com/Phone.aspx/1-800-783-4936

BBB page with 17 complaints and an alert that says they are no longer in business:  http://www.bbb.org/nebraska/business-reviews/ ... ha-ne-300035266#
The address listed at the BBB is a virtual office.
Some very revealing information on this web site including alternate names and addresses.  Anybody ever hear of BMG?
http://www.online-payday-loans.org/contact-info/bahamas-marketing-group/
http://www.online-payday-loans.org/contact-info/cutter-group-llc/
http://www.online-payday-loans.org/contact-info/djr-group-llc/

Seems they move around a lot this report has them in Maryland:
http://www.ripoffreport.com/r/Bahamas-Marketing-Group/internet/Bahamas-Marketing-Group-Ripoff-This-company-called-in-November-as-well-as-December-of-08-i-402715
Some more complaints:  http://www.complaintsboard.com/complaints/bahamas-marketing-group-c202299.html
http://forums.debtcc.com/forums/bahamas-marketing.html

I found a Bahamas Marketing Group registered in Nevada, license revoked in 2011.  Owned by Joel Tucker.
I recently found 4 Bahamas marketing Group list Joel Tucker as Director, President, Treasurer, and Secretary in Nevada DOS files:
BAHAMAS MARKETING GROUP INC.
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Business Entity Information

Status:      Revoked    File Date:      12/30/2002
Type:      Domestic Corporation    Entity Number:
C32031-2002
Qualifying State:
NV    List of Officers Due:
12/31/2011
Managed By:
    Expiration Date:

NV Business ID:
NV20021513310    Business License Exp:
12/31/2011

Registered Agent Information

Name:      NATIONAL REGISTERED AGENTS, INC. OF NV    Address 1:      311 S DIVISION ST
Address 2:          City:      CARSON CITY
State:      NV    Zip Code:      89703
Phone:          Fax:
Mailing Address 1:          Mailing Address 2:
Mailing City:          Mailing State:      NV
Mailing Zip Code:
Agent Type:      Commercial Registered Agent - Corporation
Jurisdiction:      NEVADA    Status:      Active

View all business entities under this registered agent

Financial Information

No Par Share Count:
100.00    Capital Amount:
$ 0
No stock records found for this company

Officers       Include Inactive Officers

President - JOEL TUCKER
Address 1:      1489 WEST WARM SPRINGS ROAD    Address 2:
City:      HENDERSON    State:      NV
Zip Code:      89014    Country:
Status:      Active    Email:

Secretary - JOEL TUCKER
Address 1:      1489 WEST WARM SPRINGS ROAD    Address 2:
City:      HENDERSON    State:      NV
Zip Code:      89014    Country:
Status:      Active    Email:

Treasurer - JOEL TUCKER
Address 1:      1489 WEST WARM SPRINGS ROAD    Address 2:
City:      HENDERSON    State:      NV
Zip Code:      89014    Country:
Status:      Active    Email:

Director - JOEL TUCKER
Address 1:      1489 WEST WARM SPRINGS ROAD    Address 2:
City:      HENDERSON    State:      NV
Zip Code:      89014    Country:
Status:      Active    Email:

Redmond Scott web page is blank.  This is all I found out about them:  https://www.aihitdata.com/company/014B473D/REDMOND-SCOTT/overview
No BBB page, no Bizapedia Page.

A Bizapedia search of Joel Tucker indicates that in addition to the BMG he owns Black Seas Investments, LLC http://www.bizapedia.com/nv/BLACK-SEAS-INVESTMENTS-LLC.html   and Authorize Express which is listed as dissolved also http://www.bizapedia.com/nv/AUTHORIZE-EXPRESS-LLC.html
No BBB page on Black Seas.

Nevada Department of State information:
BLACK SEAS INVESTMENTS LLC
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Business Entity Information

Status:      Active    File Date:      7/6/2007
Type:      Domestic Limited-Liability Company    Entity Number:
E0489542007-4
Qualifying State:
NV    List of Officers Due:
7/31/2015
Managed By:
Managers    Expiration Date:

NV Business ID:
NV20071205656    Business License Exp:
7/31/2015

Additional Information

Central Index Key:

Registered Agent Information

Name:      AGENT SERVICES, LTD.    Address 1:      871 CORONADO CENTER DR STE 200
Address 2:          City:      HENDERSON
State:      NV    Zip Code:      89052
Phone:          Fax:
Mailing Address 1:          Mailing Address 2:
Mailing City:          Mailing State:      NV
Mailing Zip Code:
Agent Type:      Commercial Registered Agent - Limited-Liability Corporation
Jurisdiction:      NEVADA    Status:      Active

View all business entities under this registered agent

Financial Information

No Par Share Count:
0    Capital Amount:
$ 0
No stock records found for this company

Officers       Include Inactive Officers

Manager - NEREYDA M NUNEZ TUCKER
Address 1:      5600 WEST 97TH STREET    Address 2:
City:      OVERLAND PARK    State:      KS
Zip Code:      66207    Country:      USA
Status:      Active    Email:

They were reinstated 2010.
I also found a listing for a permanently revoked company called Global force Group, LLC.(Boy this guy seems to have a hard time keeping his companies open)
GLOBAL FORCE GROUP, LLC
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Business Entity Information

Status:      Permanently Revoked    File Date:      8/16/2006
Type:      Domestic Limited-Liability Company    Entity Number:
E0621552006-6
Qualifying State:
NV    List of Officers Due:
8/31/2007
Managed By:
Managers    Expiration Date:

NV Business ID:
NV20061229755    Business License Exp:

Registered Agent Information

Name:      INCORP SERVICES, INC.    Address 1:      2360 CORPORATE CIRCLE STE 400
Address 2:          City:      HENDERSON
State:      NV    Zip Code:      89074-7739
Phone:          Fax:
Mailing Address 1:          Mailing Address 2:
Mailing City:          Mailing State:      NV
Mailing Zip Code:
Agent Type:      Commercial Registered Agent - Corporation
Jurisdiction:      NEVADA    Status:      Active

View all business entities under this registered agent

Financial Information

No Par Share Count:
0    Capital Amount:
$ 0
No stock records found for this company

Officers       Include Inactive Officers

Managing Member - RICHARD J GARCIA
Address 1:      3155 E PATRICK LANE STE 1    Address 2:
City:      LAS VEGAS    State:      NV
Zip Code:      891203481    Country:
Status:      Active    Email:

Manager - JOEL J TUCKER EVANS
Address 1:      3155 E PATRICK LANE STE 1    Address 2:
City:      LAS VEGAS    State:      NV
Zip Code:      891203481    Country:
Status:      Active    Email:

Remember, when criminals such as these call, make sure they know that you are aware of your rights:
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) 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 the date of the letter and if you do so, all collection activity must be stopped until the debt is verified.
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

Not sure why this number is being reported to two different debt collectors:
MIDLAND CREDIT MANAGEMENT AKA ENCORE CAPITAL GROUP
Posted in:  https://800notes.com/Phone.aspx/1-877-822-9054
https://800notes.com/Phone.aspx/1-214-283-1316/59#p837778307746240527
https://800notes.com/Phone.aspx/1-877-411-5551/32
https://800notes.com/Phone.aspx/1-800-265-8825/47
https://800notes.com/Phone.aspx/1-855-808-0414
https://800notes.com/Phone.aspx/1-855-808-0414/3
https://800notes.com/Phone.aspx/1-800-783-4936#p875170819127893235
Per Tamianth
MCM contact page with a location in California:
https://www.midlandcreditonline.com/contact/
The also go by the name Encore Capital Group:  http://www.encorecapital.com/contact-us
BBB Page is being updated:  http://www.bbb.org/sdoc/business-reviews/fina ... diego-ca-101104
However this was previously on their page-note the government action against them:

BBB Accredited Business since 5/1/2000 (1227 complaints and a government action and they are accredited?)
Midland Credit Management Inc
Phone: (800) 825-8131
Fax: (877) 414-0961
8875 Aero Dr #200, San Diego, CA 92123
http://www.mcmcg.com
View Additional Web Addresses
Additional Web Addresses
http://www.midlandcreditonline.com

BBB® Accredited Business Seal
BBB® B+ Rating

Complaint Type Total Closed Complaints
Advertising/Sales Issues 5
Billing/Collection Issues 1105
Delivery Issues 1
Guarantee/Warranty Issues 3
Problems with Product/Service 113
Total Closed Complaints 1227

Government Actions

Swanson V Midland Funding
Date of Action: 12/12/2012
On December 12, 2012, Midland Funding, LLC settled a lawsuit filed by Lori Swanson, Minnesota's Attorney General, against the company last year for filing unreliable “robo-signed” affidavits in collections lawsuits and sometimes targeting the wrong people for payment of old bills that it purchased from credit card companies. The lawsuit alleged that Midland filed thousands of collections lawsuits against individuals in Minnesota courts, often supported by unreliable “robo-signed” affidavits generated at Midland’s St. Cloud, Minnesota offices. Several Midland employees admitted in sworn testimony to signing up to 400 affidavits per day, either without reading them, without personal knowledge of their contents, and/or without verifying the accuracy of the information contained in them.

The Consent Judgment requires Midland to: provide individuals with validation of the debt; verify the identity and address of an individual claimed to owe money at the outset, before any collection effort is made, investigate the matter and, if it cannot substantiate the debt, close the account; take steps to correct any adverse credit reporting, and not later resell the debt; not file affidavits w/ the court unless the person has: a) read and understood them, b) confirmed the authenticity of any documents filed w/ the affidavit, c) only based the affidavit on the signer’s personal knowledge, and d) signed the affidavit in the presence of a notary who acknowledges the affiant’s signature in accordance with law; implement standards to ensure it does not sue people on debt that is beyond the applicable statute of limitations; implement procedures to ensure it does not sue people on debt that it does not own; may not pursue a default judgment without giving the person written notice that their response does not constitute a legal answer and waiting 30 days so the person can seek legal counsel or otherwise respond to the lawsuit; include added specificity about the facts supporting its claims in its lawsuits so that individuals can meaningfully respond to the suits against them; at least 10 days before it pursues a default judgment against an individual, send a copy of the judgment request to the individual.

Under the Consent Judgment, Midland will also resolve outstanding and future consumer complaints made to the Attorney General’s Office and pay $500,000 to the State of Minnesota.
Other complaint Sites:
http://www.ripoffreport.com/reports/directory/midland-credit-management
http://collectionagencydebt.blogspot.ca/2011/ ... management.html
They are a Kansas Corporation.  Information from the Kansas Dept. of State:
Current Entity Name    Business Entity ID Number
MIDLAND CREDIT MANAGEMENT, INC.

    0048421

Previous Names:
MERCHANTS FINANCE CORPORATION, INC.
Current Mailing Address: 3111 Camino Del Rio North Suite 1300, SAN DIEGO, CA 92108
Business Entity Type: KANSAS FOR PROFIT CORPORATION
Date of Formation in Kansas: 09/09/1953
State of Organization: KS
Current Status: ACTIVE AND IN GOOD STANDING

Resident Agent and Registered Office
Resident Agent: CORPORATION SERVICE COMPANY
Registered Office: 2900 SW WANAMAKER DRIVE SUITE 204, TOPEKA, KS 66614
Bizapedia has this on Encore which is a Delaware corporations:
http://www.bizapedia.com/nc/ENCORE-CAPITAL-GROUP-INC.html
And this on the address these criminals are located at.  Seems they have a lot of different names:
http://www.bizapedia.com/addresses/8875-AERO- ... O-CA-92123.html

This is a letter telling them that they are obligated to follow the FDCPA:
UNITED STATES OF AMERICA
FEDERAL TRADE COMMISSION
WASHINGTON, D.C. 20580
Division of Credit Practices
Bureau of Consumer Protection
~
Clarke W. Brinckerhoff
Attorney
December 22, 1993
Ms. Kimberlee Arbuckle
MIDLAND CREDIT MANAGEMENT
500 West First Street
Post Office Box #576
Hutchinson, Kansas 67504
Dear Ms. Arbuckle:
This responds to your letter dated December 2, 1993, inquiring whether Midland Credit Management, Inc. ("MCM") is a debt collector under the Fair Debt Collection Practices Act ("FDCPA" or "Act"). You report that MCM "purchases portfolios of delinquent accounts receivable for the purpose of profitable recovery, resale and cure. These accounts are owned solely by MCM . . ."
Section 803(6) of the FDCPA defines the term "debt collector" as "any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another." In our view, a party that purchases delinquent accounts from the party to which the debts were originally owed and attempts to collect them from the consumer debtors fits clearly within that definition. The party is attempting to collect debts that were "owed or due another" and the fact that title to the accounts is passed to the collector in no way changes that fact.
In the leading case on point, involving a company whose business included the purchase of large volumes of checks that had been dishonored and subsequent collection of the checks from their makers (in the same manner as MCM buys defaulted accounts and thereafter attempts to collect from the account debtors), the court wrote persuasively that the purchaser is covered by the FDCPA. It gave short shrift to the fact that the party had actually purchased the checks in question:
By use of the language "owed or due another" Congress was attempting to exclude those entities that extend credit from the effects of the Act. Congress intended to protect borrowers from "third persons who regularly collect debts for others." (Italics by court; citation omitted). (The purchaser) is a third party collecting a debt originally owed to another. . . . It cannot escape the spirit of the Act by the technicality of purchasing the debt upon default so that title technically rests in itself.
Holmes v. Telecredit Service Corp., 736 F. Supp. 1289, 1293 (D. Del. 1990)
The only theory for exclusion of a party such as MCM from the "debt collector" definition (and thereby from coverage under the FDCPA) is that it is a "creditor."(1) Section 803(4) defines "creditor" as "any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or trans-fer of a debt in default solely for the purpose of facilitating collection of such debt for another." Since the accounts that MCM buys are delinquent when purchased and are being transferred for the purpose of collection, we believe that MCM is within the class that the "creditor" definition expressly "does not include."(2) The words "for another" at the end of the clause excepting assignees from the definition of creditor in no way changes this result:
(T)he excluding factors in the exception are that the debts are the result of an assignment or transfer and that the debts were already in default at the time of assignment or transfer. With the phrase "for another" at the end of the exception, Congress merely intended that the debts should have originally belonged to another and that the creditor was therefore in effect a third-party or independent creditor. (Italics by court)
Kimber v. Federal Financial Corp., 668 F. Supp. 1480, 1485 (M.D.Ala. 1987). Accord, Holmes, supra, at 1293.
In sum, it is our view that a party that obtains consumer obligations in default for the purpose of collection is a "debt collector" under the FDCPA, even if that party actually purchases the accounts from the original creditor.
The views set forth in this informal staff opinion letter are not binding on the Commission.
Sincerely yours,
Clarke W. Brinckerhoff
________________________________________
1. Section 803(6)(A) only specifically exempts creditors' officers and employees. However, it "seems clear from the legislative history of the Act that Congress intended that this exclusion cover creditors themselves as well as their employees." Holmes v. Telecredit Service Corp., 736 F. Supp. 1289, 1291n.3 (D.Del. 1990), citing Kimber v. Federal Financial Corp., 668 F. Supp. 1480, 1484 (M.D.Ala. 1987).
2. See the comment on this subsection in our Staff Commentary on the Fair Debt Collection Practices Act. 53 Fed. Reg. 50097, 50101 (Dec. 13, 1988.)

So remember, when dealing with these scumbags remember that you have rights:
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) 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 the date of the letter and if you do so, all collection activity must be stopped until the debt is verified.
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 and the California AG’s Office:   http://oag.ca.gov/
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php