8009001370

Just to be clear, it varies from State to State how long a loan is collectible. In some States trying to collect on a time barred loan is illegal. (Texas comes to mind). But in some States admitting to an old debt can start the clock ticking again. Do an online search for the laws in your State. As always, if you get a phone call - admit nothing - ask for it in writing. Letter mail. Not email, fax, text, or web chat.

Who ever this so called company is, made a very fatal error in judgement. My mother died 18 years ago and how they got my number is beyond belief. I did over twenty years in the real Military and I am not afraid to settle things the true way. If they call my number again and I find out where there office is, they will get a visit from a real man that is not afraid. I will not only bring the federal police, I bring along the military.

Yo! Let me help ya brother!  Learn what this site is about by reading "Latest Articles" presented, there's lots of info given to help understand various predatory and cowardly debt collector tactics. This entire thread if read describes who this company is. Google is your friend! Their contact info is under their BBB report they go by many names also, http://www.bbb.org/washington-dc-eastern-pa/b ... rg-pa-70001231/ also, there's a "file complaint" section where you can express their inability to follow all state and federal consumer protection rules, regulations, and laws.

The federal Do-Not-Call registry exists to help enforce the Telemarketing Sales Rule. Please note the operative term ''marketing''. Debt collectors do not engage in "solicitation" and are therefore not covered. Here are the DNC service terms you were supposed to review at registration time:

National Do Not Call Registry Q&A
http://www.consumer.ftc.gov/articles/0108-national-do-not-call-registry

To stop the noise from exempt callers, you need to confront them directly. USPS Certified with return card is your best option for showing that you're serious. If the company won't stop calling after your written demand, sue as appropriate.

A debt collector calling once and declining to use your message recorder is not "getting away" with anything. An agency calling many times a day or calling after being ordered to stop is acting illegally but often "gets away" with that too, because too few people enforce their rights and others complain stupidly to the wrong desks.  

As I replied to Thompson back there, the DNC registry does not apply.
https://800notes.com/Phone.aspx/1-800-900-1370/5#p632758494580471519

Yes, naturally you're the one at fault while you're not the one melting down your own phone line in a sloppy skip trace campaign. The rep was not properly a "CSR", since you're not a collector's customer and you sure as hell won't get any "service". You're either the alleged debtor or you can force that person to magically appear, goes their monochrome view of you.

I'd agree you shouldn't wait to take action. Scofflaws will find more excuses to keep calling even when they're told it's a dead end. But don't stop at complaints, take charge of the problem. My advice for "not me" cases is found here:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls

No-call registries do not apply, so this is your problem to fix as I've told Thompson and FedUp. Calls between 08 and 09 AM may be inconvenient for you but are not illegal for the collection agency ... UNTIL YOU GIVE NOTICE otherwise. How you handle this depends on whether or not you're considered an alleged debtor.

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

- No-call registries apply only to sales callers, a fact which was not kept secret when you added your numbers.
    National Do Not Call Registry Q&A
http://www.consumer.ftc.gov/articles/0108-national-do-not-call-registry

- Going unpublished/unlisted does not render your phone number invisible like some state secret. It's going to appear in numerous databases the collectors rely upon which track our footprints through municipal records, commerce, and banking.

- Debt collectors are often gun-shy around message recorders because almost anything they say which could be heard by someone who is not the alleged debtor could be thrown back in their faces in court. They also rely on predictive dialers like telemarketers, often creating their same problem of excessive call abandonment.

- A dud Caller ID name tag (CNAM) like "unknown" or "private" is not necessarily deliberate. The caller can control what that CNAM says but not its delivery to you from the database accessed by *your* carrier. Caller ID is at best an "unreliable informant".

} [messages say the hunted person] will be receiving a "summons" at that address

Finally some meat on the bone. This is a harassment technique aimed at the alleged debtor, disguised as a skip trace call. Legally you're not to know anyone's business, and the lawsuit threat was probably empty besides, making the call illegal in two ways.

} I am reporting to the FCC

You can save everyone some legwork by going to the CFPB, FTC, and attorneys general. The FCC has near zero jurisdiction over debt collectors. You can also take charge of the problem and make it Penn's to solve. My advice for "not me" cases is found here:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls

"Even Saturdays and Sundays" are legal for debt collector calls unless your state law overrides or *you give notice* otherwise. However, the excessive call pattern and the call times past 21:00 in your time zone are clearly out of bounds. First lock the agency under a "cease-communication" notice and then consider warming up a lawsuit for the FDCPA violations. If you're truly annoyed you won't go on waiting to take action.

My advice for "not me" cases:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

As mentioned several times now, state and federal no-call registries apply only to sales callers. See the link I gave to Mad Mama to halt the sloppy skip trace calls.

You are going to have to submit your name and the phone numbers you want left alone. This will not give away information the collection agency does not already have or cannot obtain. You cannot give them any cheap excuse to keep calling you based on the supposition that you're lying or concealing information or could ever be confused with the alleged debtor.

As to where the trouble started, it's hard to say. Penn may deal in junk debt portfolios, which are sold and resold with only threadbare information on each account, which becomes corrupt the more it's handled. Other times the faulty skip tracing is a deliberate "block party" or "office party", in which everyone but the target is pestered to create false shame and urgency to pay without question.

Badge was mostly correct. You're right that derogatory trade lines drop off your credit reports at year seven, but then they have to per the FCRA. This does not affect your liability for old debt nor the ability to collect. Anything past fifteen years is too old for a *lawsuit* in every state on most forms of debt.

You should be receiving a dunning letter with certain required disclosures, one of them citing your FDCPA right to dispute on paper within 30 days. Do that, demanding validation and setting limits on how you may be contacted. This means that you will have to divulge a name and address and phone numbers, items the agency already has anyhow. There can be no ambiguity for them to exploit. The one thing a debt collector would love is a flimsy excuse to restart the Statute of Limitations, clearing the way for a creditor/debt buyer lawsuit.

FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

Two states have a Statute of Repose which makes all collection activity illegal once the relevant Statute of Limitations runs. Texas is not one of them, unless something has moved through its legislature I've missed. (Mississippi and Wisconsin are the two answers.)

Everywhere else, debt collectors can chase an account through the end of human time so long as they don't get lawyers and a judge to help. Filing suit too late is an easy FDCPA violation, as is the mere threat of a suit on time-barred debt.

I've dropped some state SoL material links below. State law can change at awkward times, so when it really counts one should consult a state agency before stating any claims or defenses.

http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml
http://www.cardreport.com/laws/statute-of-limitations.html

Called was a record message. Reporting calls to the do not call list is a scam also! THE FEDERAL GOVERMENT SELLS YOUR PHONE NUMBERS PEOPLE!

Keep calling for someone who doesn't even live here

Sure thing, "CD" or "Mike" or whatever your name is next week. It's all the government's fault that you can't read the rules or comprehend -- as stated over and over and OVER AGAIN in this thread -- that only sales calls are covered by the DNCR.

National Do Not Call Registry Q&A
http://www.consumer.ftc.gov/articles/0108-national-do-not-call-registry

SCAM>> please dont give these people the time of day.they are thieves,hang up.they will try to con honest people into paying bills they don,t owe.if you speak to them they will try to SCARE people into paying money with FALSE threats.may they rot in hell.COWARDS.

SCAM..give no info SCAM  fake bill collectors..THIEVES..

Keep them on the line as long as possible.. they are calling from an 800 number and most likely long distance. The longer you keep them on the phone the more it costs them to call you. eventually they stop calling when they figure out its costing them more to call you then collecting anything from you or whoever they are looking for.

I don't owe anyone money and these people keep calling me while I'm at work and won't say anything.

Keeps calling - I am on the do not call govt. list!