8324761739

We get collection calls all the time.  We have a very common last name.  You're wasting your time if you try to explain that they're calling the wrong person.  If you answer the call, or if you return their call, they just figure that you're the one they're looking for...which is a pretty f**ked up way of doing business, but that's how it is.  If you don't recognize the number, don't answer the phone.  Eventually they'll stop calling.  This is what works for us.

called my cell phone about 5 days after i got the number.

Avnate USA is out of Houston Texas

Received a call from 832-476-1739... no one answered... no talk. Either a mistake or a moron dialing wrong number... as always.

Are you Kidding me?? Yes because you demand to speak to me on voicemail I'm gonna rush to call you back!! RIGHTAWAY, LOL

I also have some sort of mess with Bally's. The branch I went to for 2 times got shut down for fraud, yet I can't seem to tell this company that they are trying to cash a check that is forged. Bottom line, they have been calling for a little over a year, during work hours, being rude, and when I try and talk to them I get interupted and met with more opposition. If anyone is having Bally's problems contact me if you wish. I live in the DFW area. mason_audibel@sbcglobal.net. They are going to try and come after me apparently. So pro bono lawyers in my family are excited to jump on this gravy train.

They call all the time. I owe no one. And debt free. These [***] need to get a life. They are wasting their time..........Any way when their V/M comes on I just hang up............Such a waste of time............

Calls multiple times and hangs up everytime the call is answered - They are now blocked.

I keep getting theses calls from caller ID Avante ...so unprofessional & rude get a real job and stop calling me everyday..at least 2x ..calling the next day..every week..when will this STOP !!...your not gettin any $$$$ from me!!...

ugh... ive been getting cals for months... and i would like to email them, but they would take that too....soo... any suggestions..? ( and im kinda young and i dont have any debt)!!!!!!

Debt collectors do purchase old debt for pennies on the dollar. DO NOT take the call! Every state has statue of limitations on debt, know yours. If you take the call you (in most states) start the clock all over again. If they leave a message write down the number and   "Google it"
NEVER TALK TO THEM, IF YOU DO, YOU START THE STATUE OF LIMITATIONS CLOCK ALL OVER AGAIN

ALSO: (MUST READ)
Tip:  Are you aware that you DO NOT have to sign a personally guaranty of payment above what your healthcare provider will pay on claims? Sure medical facilities hand you that document (if your stupid) but on a voluntary basis. NEVER SIGN IT.  Emergency room visits, surgery, blood tests etc. Anything that requires you to submit your healthcare insurance coverage, NEVER SIGN IT. You don't have to sign it and they know it! By not signing it these entire medical facilities can only collect what ever your health insurance will cover, that's it.. Not a penny more.  Look over every document they hand you. Look for the words “personal guaranty of payment”. Often times you will find these sneaky little paragraphs mixed in something like a patients bill of rights form. You can also strike the paragraph and initial it should it be mixed in with a simple registration form. What I do is write the words “I Do Not Personally Guaranty Payment” over or above that paragraph, then sign my name with the days date. 1 out of 4 bankruptcies in the USA are caused my medical debt… because people sign the personally guaranty of payment. NEVER SIGN IT.

NOT VIA EMAIL - USPS Certified Mail - Return Receipt (proof they received it)

STAY OFF THE PHONE - EVERYTHING IN WRITING WITH DELIVERY TRACKING!


READ
DEALING WITH DEBT COLLECTORS

RECORDING CALLS AND

STATUTE OF LIMITATIONS BY STATE







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

This number just called me, I didnt answer it. And I dont have any debt. I've read to register your number on donotcall.gov and telemarketers wont bother you anymore.

Look at your local BBB site, the ftc website, or other gov't agencies. Ive just been harassed by them today, and they said the debt is from 5 years ago, gave me a fake email address andsaid that is why i hadnt received notices. WHO IN THE WORLD sends a debt notice by email...idiots. Google them and you will probably not be surprised about hom many people encounter the same thing EVERY DAY.  ((((((Their BBB rating is F...like in school...from A+ - F.....horrendous!!! )))))

This number keeps calling and not giving any additional information, just that they want to collect money, but cannot provide any additional information. This company needs to quit.

We've received a couple calls from Avante with no message to return call.  I /we called number and party picked up but didn't respond to me.  It is very iritating to receive these calls and upon call back to these folks - no response/.

They keep calling me - everyday and all day - even late hours of the night. It's starting to feel a little like harassment.

I have recieved calls numerous amounts of time from Avanteusa. They are merciless, they say they will reason with you but they do not reason with you. They are snakes they will do anything to get there money. I paid them almost a thousand dollars because of some legal document they say they have. Unfortunatly I paid it, and hope they leave me alone. Spiritually speaking since they hit me on one side of the cheek I will turn to them the other also and give them what they want. If there is any illegal activity going on with this company they will have to answer to the one who judges justly. Greed is the source of all evil and those who want to get rich fast fall into many temptations. I forgive them for there cruelty, I am angry about it, but I forgive them

they called me telling me that I had a 25.00 debt for an EMERGECY ROOM visit. they wouldn't tell me the date or name of doctor that "treated" me.  When I told them that I was planning to pay for it they said that actually I had TWO bills and the second was for 225.00....BAM!!!  That's when I knew IT HAD TO BE A SCAM!!!  I as so relived to smell their crap from a mile away.  LOL. They could have made 25 bucks but got too greedy.

LMAO!! Good one! (even though I'm replying to a very old comment, LOL)