800-960-2163

I refuse to answer but they keep calling.

called me twice this last week
never leaves a message

I got a call from this number , the message did not say who from, I was not sure it was not from one of my credit cards .  I wanted to make I did not miss anything, due to because I had a previous problem, so I called the number.  Got a recording saying that someone will be right with you and then went to a recording  sounded like a whistle sound, then I hung up.

Called me again at 8PM on my unlisted cell which proves they are making random cold calls. Same message about this "Not being a solicitation" but rather an "Important business matter". Sounds like same old BS with a new twist. I'm wondering if the language is an attempt to get around the "do not call" rules. In any case there is a better chance of my winning the lottery than my calling them back.

They continue to call at least a couple times a week on my work phone which may not be on do not call. They don't always leave a message but sometimes do, always using the vague "urgent business matter" in the message. This last call they identified themselves as "Capital Management Systems".  Since this is a work phone I tend to let them waste thier time calling and leaving a message but I may get fed up and answer with a terse "Stop calling me!" and then quickly hang up.

Sorry All, a correction to my last post. The company name was Capital Managent Services, not Systems.  That comes up as a collection agency and is mentioned elsewhere on this site.

Here's some information on this company and advice on dealing with them:

http://budhibbs.com/debtcollectorpages/capital_management_services.htm

this number calls all day and night and i have asked to be left alone and they still continue to call.  i have reported them to the fcc.  i am on the national do not call list.

keeps calling, leaving messages, said they would take me off list. still getting calls.

Keep Calling me and leave the same message about this "Not being a solicitation" but rather an "Important business matter". I finally called back and think they identified themselves as "Capital Management Systems" and then I was disconnected. I am on the "National Do not Call List" and have been for a long time.  I did report them to the FTC.

I have called back on the number they leave a couple times and they are looking for someone who had my number at least 2 years ago.  They always say they will remove me number from the list.......never happens.  I have also reported to FCC.

I received a call from this number and didn't answer it. But what I did do is call them back on my land line which I have blocked my number so the receiving caller cannot see who is calling. I got a recording that someone would be right with me. I waited and sure enough there was a person who answered and I of course gave them the silence and put my phone on mute so they couldn't hear me. They just kept saying "hello" then hung up. I am sick of receiving calls from companies I don't even know or care about!!

[Sorry, you are mistaken about people not being able to see your phone number.  All 800, and 800 clones such as 888, can see the number of the person calling them.]

I got an early Sunday am call from these people.  I'm so glad that I now have VoIP.  I never answer calls titled "Toll Free Call" on my caller-id.  I then look up the number here and if it is someone I don't want to talk to I can put the number on my "blocked" list.  Then I never even hear any following calls.  I don't know what they hear when they call though.

Don't answer it and no message left. Getting real old.

Same message about this "Not being a solicitation" but rather an "Important business matter".

Bad news is they are a REALLY BAD COLLECTION AGENCY THAT DOES NOT FOLLOW STATE AND FEDERAL FDCPA LAWS - SO DO NOT TRUST THEM.

Dispute the debt - demand validation (THEY CAN'T PROVIDE IT)

GOOD NEWS - they are located in NY and the NY Attorney General is really cracking down on these desperate JUNK DEBT BUYERS!  


Capital Management Services
aka Center One Financial
726 Exchange St #700
Buffalo, New York 14210
COMPLAINTS HERE


Also in Greenville, SC
Phone: 716-871-9050
Fax: 716-566-2107
Web Address: www.cms-collect.com
Also:  2213 Niagara Street
Buffalo, NY 14207


Head Debt Collectors:   Jeffrey A. Hauser, CEO

Larry Costa, President

Karen Kraska, Secretary-Treasurer
Timothy Kraska, (very) Silent Partner
Patricia M. Cipriani, House Lawyer
(Drug Testing by: Quest Diagnostics)


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

Bud Says                         Consumer Comments Below

Typical of the Buffalo style CMS has an endless pool of potential employees to fill the chairs that feed their operations.

The newspaper stories extol the optimistic attitudes of owners, Jeffry Hauser and Larry Costa along with Patricia and Timothy Kraska of an ever growing business that needs only their talent and expertise to survive.

Emails and information from former employees suggest Capital Management Services is suffering from the same fate that most other Buffalo, NY debt collection organizations face in an unhappy work force, far reaching drug use and untrained, unprofessional management and work staff squeezing every minute they can out of their unprofessional collectors.

CMS, is suffering from too much growth too fast. The number of debt collectors in America is at an all time high, which has created a shortage of accounts to collect and a potential drought in areas like Buffalo, the debt collection capital of the world.

So if we use terms such as... ”Buffalo style collection practices’ to describe the actions of CMS employees and are told that drug use and criminal activity is on the increase, why should we even blink, isn’t that what the business in that area is expected to do?



If CMS has anything good going for them, it is the fact that they have an experienced and respected attorney in Patricia Cipriani. Her background and reputation may be saving Hauser a bundle in legal settlements. Don’t count on luck forever Jeffrey, your house is reported to be a mess and it needs a thorough cleaning.

Anyone dealing with Capital Management Services, Buffalo, NY be warned to take precautions, NEVER give a  collector your banking or credit card information, tape ALL of their conversations and contact me for referral to attorneys. As long as they are making money, they will continue to pay off their law suits.



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


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

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/start.html


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

I called them back at at: 800-960-2163. They were really nice. They are a collection agency. It was not for me, and they took me off of their call list. We will see if they did. If you don't own anyone money, just call them back so you can get off the call list.

I did the same thing....blocked my land line but then realized....when you call an 800 number it is not blocked. I beleive they are paying for the call.

They just started calling my cell phone. Wondering how did they get my number?

I received a call from this firm and they were nice to deal with.  In fact I receive numerous calls from collection agencies ALWAYS with the incorrect information.  They are relentless but will deal with me when I call them back.  The problem?  I hold a common enough name that they must track everyone until they get to the "right" person.  Unfortunately, there are a lot of dead-beats and bums who stiff legitimate transactions.  They charge and do not pay.  Worse, they charge, do not pay and then ignore efforts to rectify this.  If you are one of those people who used other people's money then refuse to pay it back, grow up.  Your irresponsibility is affecting more than the credit card company.