800-801-0065

“IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

YOU CAN SUE the company AND Collector for discussing your personal affairs with a third party UNLESS you authorized them speaking to your supervisor.  
MY SRS ASSOC COMPLAINT ON BLOG   11/20/08

“IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

IF you DID NOT authorize the person calling you to speak to your Supervisor concerning the debt or whatever the case may be, THE CALLER
violated FDCPA!  READ ABOUT the Fair Debt Collection Practices Act (FDCPA) on the internet.  IF you have an attorney or can consult one about this company and its employee DO SO!  Also inform your attorney since he may not know about the FDCPA!  If you can not afford an attorney check with Legal Aid in your area to see if they can help.

READ ABOUT FDCPA on the Internet.  ALSO CHECK the information about YOU from the 3 Major Credit Bureaus!  CHECK the date that the account became delinquent (LAST PAYMENT) IF there is one in your Credit Report.  CHECK the Statute of Limitations for YOUR State.  IF you do not understand the FDCPA information SEEK LEGAL COUNSEL (you pay) OR LEGAL AID (if you can not afford to pay).  See what they tell you concerning the debt and the actions being taken (calls, conversations, letters etc) by the Debt Collector and their company.

DO NOT Erase any messages that a Debt Collection company rep' leaves you on an answering machine or voice mail!  This is YOUR proof of what has been going on.  The same thing applies about letters sent to you and any other form of communication.  The Fair Debt Collection Practices Act FDCPA) SPELLS out what can or can not be said in communications!  IF you are having difficulty understanding FDCPA contact an attorney if you can afford one OR Legal Aid (depending on your income) to see what legal recourse IF ANY you have.

First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this AND IS FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what is and is not legal actions that collection companies can engage in.  IF the entity has the ability, intent and whatever the other step is called, THEN when contacting THE ACTUAL DEBTOR they can say CERTAIN things!  THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts.  What they do here is buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state is less or same as the Federal Government Statute of Limitations for Debts you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  See If THERE is an unpaid debt and if ANYONE IS trying to collect on it!  NOT ALL COMPANIES report on the 3 Credit Bureau's, this is why you need to review all 3!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAU's and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog
Caller ID: (856) 691-3636
Caller: SRS Associates
Caller Type: Collection Agency
Caller ID: 1-800-801-0065
Caller: SRS Associates
Caller Type: Collection Agency

YOU CAN SUE the company AND Collector for discussing your personal affairs with a third party UNLESS you authorized them speaking to your supervisor.  
MY SRS ASSOC COMPLAINT ON BLOG   11/20/08

“IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

YOU CAN SUE the company AND Collector for discussing your personal affairs with a third party UNLESS you authorized them speaking to your supervisor.  
MY SRS ASSOC COMPLAINT ON BLOG   11/20/08

“IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

YOU CAN SUE the company AND Collector for discussing your personal affairs with a third party UNLESS you authorized them speaking to your supervisor.  
MY SRS ASSOC COMPLAINT ON BLOG   11/20/08

“IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

YOU CAN SUE the company AND Collector for discussing your personal affairs with a third party UNLESS you authorized them speaking to your supervisor.  
MY SRS ASSOC COMPLAINT ON BLOG   11/20/08

“IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

YOU CAN SUE the company AND Collector for discussing your personal affairs with a third party UNLESS you authorized them speaking to your supervisor.  

“IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

YOU CAN SUE the company AND Collector for discussing your personal affairs with a third party UNLESS you authorized them speaking to your supervisor.  

“IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

YOU CAN SUE the company AND Collector for discussing your personal affairs with a third party UNLESS you authorized them speaking to your supervisor.  

“IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

YOU CAN SUE the company AND Collector for discussing your personal affairs with a third party UNLESS you authorized them speaking to your supervisor.  

“IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  First of all, IT IS ILLEGAL to leave a message on anyones voice mail or answering machine spouting off LEGAL FILES, COURT FILES or any such thing!  This is covered UNDER the Fair Debt Collection Practices Act which prohibits this type of communication AND IS A FEDERAL LAW!  IN ADDITION, THERE ARE STATE LAWS which vary in their definition of what a Collection Company can and not do in legal litigations.  YOUR RIGHTS are spelled out on the Federal level as well as the State level (most of the time!)  When speaking to the DEBTOR Or Co-Signer, certain words can be said by the Collection Agent, BUT ONLY IF they have the ability to follow through.  READ the FDCPA (Fair Debt Collection Practices Act on the Internet) which will tell you what the LAW SAYS!  BEWARE:  BEWARE:   THERE IS ALSO a little trick used by collection companies, where they will buy PAST STATUTE accounts to collect on them! .  What happens here is that they buy accounts where legally they no longer can take action against you UNLESS YOU make a payment.  MAKING A PAYMENT ON A PAST STATUTE ACCOUNT STARTS THE CLOCK AGAIN, MEANING THAT YOU MAY THEN BE LEGALLY LIABLE (DEPENDING ON YOUR STATE LAW) for the debt as if it were a new account!  MOST states have a set amount of time AS DOES THE FEDERAL government as to how long a debt can be LEGALLY collected and reported to the credit Bureau's.  Different states have different Statute of Limitations.  Some are 4 years and change and a few are as long as 15 years!  CHECK YOUR STATE Statute of Limitations on Debt.  The Federal Government is just under 7 years.  IF your state Statute of Limitations HAS EXPIRED as well as the Federal Government Statute of Limitations you can tell these people or any other collection company to GET LOST!  AGAIN Check The Statute of Limitations for your State, PULL THE CREDIT BUREAUS from Experian, Equifax and Trans Union (CHECK ON THE INTERNET IN CASE THE Credit Bureau's NAMES have CHANGED!)  Check to See If THERE is an unpaid debt and if ANYONE IS trying to collect on it, THIS INFORMATION SHOULD BE ON YOUR CREDIT BUREAU!  NOT ALL COMPANIES report on ALL 3 Credit Bureau's, THIS IS WHY you need to review all 3 Credit Bureaus!  BEFORE RELEASING A DIME to anyone, especially IF YOU ARE NOT FAMILIAR WITH THE DEBT, CHECK YOUR Credit Information found on the 3 MAJOR CREDIT BUREAUs and go from there.  These CLOWNS called my number recently.  I am forwarding a complaint to the Attorney General State of Florida, New Jersey AND Federal Trade Commission.  DO THIS ONCE AND OFTEN SO THAT THEY STOP THE HARASSING! They called from an 856 area code and left the 800 number found on this Blog  “IF YOU DO NOT UNDERSTAND YOUR RIGHTS UNDER THE FDCPA, SEEK LEGAL ASSISTANCE!”  For those that Can Not Afford to pay, Check out the Legal Assistance Office that Most Big Towns have for legal advice!

Listen to this guy.  He speaks the truth about the FDCPA.  Don't let the bottom-feeder agencies make a buck at your expense.

Ok well I got  call today from David (missed his last name)The number he called from was restricted but on the msg he said to call him back at 1-866-500-9832. I did and it is this same company SRS associates. A woman answered but would not give her name I asked where they are located and she sais New Jersey I then asked for their address and she asked who this was and why I wanted to know where they were.. I told her this was for research. She asked again why I needed it and I in turn asked if this a a legit business you would have no problem provoding a address. She then put me on hold. I just hung up.  Not sure what their deal is I want to call back and ask flat out if this a law firm or a collection agency but I feel as though they will just lie so their is no point.

libel lol.  all i speak is truth about your company.  i cant understand how you are still in business since no one there knows anything about collections.  all you do is lie and say you are a lawyer and are sueing for the payents lol.  As you can see there are a ton of complaints and lawsuits against you.  Enjoy

i got a call from this company too...wasnt able to speak with anybody though. reading all these comments, im having doubts of calling them. the thing is, i had this overdraft charge from WFB which i already paid for $45 in their audit/collection department.

I used to personally work for these people!!!! Everything they say is illegal!!!! If u here someone's name and asso. wrong they are just IRS and by them saying that is illegal they try and fool people like they are lawyers there not! If u happen to talk 2 them 9 times out of ten u have a FDCPA case! Only about 9 people work there and it a small office in Vineland! The owners are horrible people and treat there employees like crap too not just the debtors... so all of u receive phone calls from them take my advise record it take it to a lawyer and ur prob def gonna get atleast a 1000.00 out of them... collection agency can not sue u only the creditor can!!!!

Also recieved a call from Brent Fox. Used my sister's name and said he was trying to get ahold of her, Used the same wording verbatim as he has used with some of you,"So she wouldn't be blind-sided by the events that were about to take place". Don't know how they opperate, but my sister and I live in different states and have different last names so their data-base must be pretty good!I called them back and told them not to bother us, I had already filed a complaint against them and knew about their scam. Thanks to all of you who report these things so others can beware!