8008297204

This number called my home three times in the past hour, hanging up as I answered every time. When I took the bull by the horns to call the number back, I was informed that a switchboard service that couldn't explain the reason for the call, or even which company of the many they provide service for had called. II listed my number, which is new, on the "Do Not Call" registry. If they keep this up, I will report them to the FCC and collect a fine from them.

see voicemails being left on cell phone... when call my voice mail to see who called i hear this phone number. when i called all i hear is very low garbled talking .. no clue as to who they are or what they wany aside from learning about them from this website.

I called after numerous missed called from them.  The woman was very polite and when i disputed the debt, she got me the number of National Student Loan company to contact and get this settled.
They are annoying with how many times they call, but they were good to work with

omg! i am so sick of these guys! this has been going on for months. they hang up before i can answer the phone. how are you suppose to know why the hell they are calling if they don't let you answer the phone!! i just want it to stop. if they are not going to let me answer the phone and tell me what they want then STOP CALLING!! thank goodness i found this!!!

Called me 5 times in a hour, I finally picked up and they told me that they had my number down as a reference number and they were looking for Jenny somebodyorother. I told them I didn't know anyone by that name and they certainly didn't live here. She said they would remove my number from their computer, so I guess we'll see.

Very frustrating that they claim to know me, yet don't even know my real name... and that I owe them from the bay area, I've never lived in the bay area.

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

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

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

These IDIOTS are calling me every 10 minuets now. I have one up on them now however. When I see there number on my phone I just hit the ignore button then turn my phone off for about 15 minuets. After I turn back on my phone it is good for a day or so. I just wonder how long these idiots will keep calling. I have all the time in the world to keep this up. I have voice mail if the call is impotent?

They've called me 3 times today.  Always one ring only.  The 3rd time, I picked up and there was no one there.  After about a minute, I got a dial tone.  I use Lingo.com for my home phone which gives me a call log I can view on the web.  Looks like they called me 4 times yesterday.  As a general rule, if we get a call from an 800 or 888 #, we don't answer and let it go to voice mail.  If it's important, they'll leave a message.  I called Lingo to see about blocking their #.  Unfortunately, at this time, there's no way to block specific #'s with Lingo.

I just implemented the ultimate solution:  Using my Lingo.com account, I added a "Call Forwarding Selective" entry.  Whenever I get a call from that number, I forward it to... THEIR OWN NUMBER!!!  Now, whenever they call me, they'll be calling themselves!  I LOVE TECHNOLOGY! :) :) :)

I'm wondering if I should forward it to the state Attorneys General's office?  Or to the AT&T operator?  Or to the Memphis Police Dept (since someone here traced this down to Memphis)?

I get calls from 1-800-829-7204 one right after another. I called them to see who they were and just got a recording that said please hold..........never found who they were. I just wish they would stop!

They have called me every 15 minutes and left no voice mail. Very annoying. It is a work cell phone.

These people have been calling me every 10 minutes today.............so annoying!!!!!!!!

This number calls at all times, day or night.  Very annoying.  They never leave a message.

They called my cell phone quite a number of times. Called them back were looking for someone else.
I've had this cell number for two years. You're right they are very rude.

From G Man....got a call on 07/29/2010 at 8:42 p.m. They are looking for Barbara Adams. This is the fourth time since February that a woman has used my name, address, or telephone number to cover her tracks with bill collectors. I personally know one woman and she's hiding in Ohio too avoid prosecution in Ft. Wayne, Indiana. The second woman is a relative of the woman who is my property manager. The fourth woman is another resident in an apartment complex that I reside in. 3 out of 4 women can be tied to my relative neighborhood. The woman who is hiding in Ohio has a contract on her life.  

I called the 1-800-829-7204 number back and they claim to have removed my phone number from their system. I doubt that. The owner of "Harris and Harris" in Chicago, Illinois used to call me at 9:00 p.m, 10:00 p.m., 11:00 p.m, 12:00 p.m and at 1:00 a.m. The man himself! He heard back from the Illinois Attorney General's office. My complaint to them was to the effect that if I had to make a trip to Chicago, some one was going to be very sorry that I had to make that trip. I meant it too. There are debt collectors all over this land who haven't got a clue about ethics or legalities. They usually have the morals of street thug. Don't tolerate it and don't sit there and take it. Fight back!

Another party here has a good idea. Let's call them and harass them.Turn the tables on them. Disrupt their business. Annoy the hell out of them. It's time to start a campaign of doing the same thing to these unethical morons as they do to us.

Phil...you have rights. Use them. It's time the owner of this agency that keeps calling us winds up with two broken legs. If only he had the manhood to stop hiding behind women's skirts.

They are in Memphis....here's their website:

http://www.rabinc.com/

These are some numbers they use:
Tel: (901) 388-7750
Tel: (800) 829-7204
Tel: (800) 829-7750
Tel: (901) 382-7520
Tel: (800) 867-7210
Tel: (800) 668-5715
Tel: (800) 829-0250

Now look at their website......see any matches?

Ridge runners are at it again.

Call them every ten minutes and use caller I.D. block.....*67.