844-357-0369

left message saying i received your profile and please call this number 844-357-0369 to make a payment on your account..Direct Payment Services

TLDR; The name of this company is Direct Recovery Services. They are a fraudulent debt collector that uses harassment and intimidation tactics ie legal threats to individuals to pay expired debts.

I received a call from 425-549-3228 asking for a family member of mine. This was the first indicator that I knew something was amiss. They left the number 844-357-0369 and did not leave a company name. I decided to call and inquire for their company name and was hung up on. After several attempts, someone finally informed me of their company name. I asked if they purchase expired debts and then threaten individuals to pay them. Subsequently they became quiet and decided to hang up on me.

Please report the names of anyone you speak to, including the phone number(s) associated with the calls to the FTC. You do not owe any debt to this company.

https://www.consumer.ftc.gov/articles/0258-fake-and-abusive-debt-collectors

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

DIRECT RECOVERY SERVICES, LLC

Web site gives no physical address:  http://www.directrecoveryservices.com/contact.html

Whois.com info on the web site:
directrecoveryservices.com registry whois    Updated 1 second ago - Refresh

Domain Name: DIRECTRECOVERYSERVICES.COM
Registrar: GODADDY.COM, LLC
Sponsoring Registrar IANA ID: 146
Whois Server: whois.godaddy.com
Referral URL: http://www.godaddy.com
Name Server: NS75.DOMAINCONTROL.COM
Name Server: NS76.DOMAINCONTROL.COM
Status: clientDeleteProhibited https://icann.org/epp#clientDeleteProhibited
Status: clientRenewProhibited https://icann.org/epp#clientRenewProhibited
Status: clientTransferProhibited https://icann.org/epp#clientTransferProhibited
Status: clientUpdateProhibited https://icann.org/epp#clientUpdateProhibited
Updated Date: 25-feb-2016
Creation Date: 08-sep-2015
Expiration Date: 08-sep-2016

directrecoveryservices.com registrar whois    Updated 1 second ago
Domain Name: directrecoveryservices.com
Registry Domain ID: 1958561315_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.godaddy.com
Registrar URL: http://www.godaddy.com
Update Date: 2015-09-08T19:00:13Z
Creation Date: 2015-09-08T19:00:13Z
Registrar Registration Expiration Date: 2016-09-08T19:00:13Z
Registrar: GoDaddy.com, LLC
Registrar IANA ID: 146
Registrar Abuse Contact Email:  @godaddy.com
Registrar Abuse Contact Phone: +1.4806242505
Domain Status: clientTransferProhibited http://www.icann.org/epp#clientTransferProhibited
Domain Status: clientUpdateProhibited http://www.icann.org/epp#clientUpdateProhibited
Domain Status: clientRenewProhibited http://www.icann.org/epp#clientRenewProhibited
Domain Status: clientDeleteProhibited http://www.icann.org/epp#clientDeleteProhibited
Registry Registrant ID: Not Available From Registry
Registrant Name: Elle Gusman
Registrant Organization: Direct Recovery Services
Registrant Street: 255 Livingston Street
Registrant Street: 4th Floor
Registrant City: Brooklyn
Registrant State/Province: New York
Registrant Postal Code: 11217
Registrant Country: US
Registrant Phone: +1.7188555300

BBB originally gave them an F rating with an alert that the mail was returned and 2 complaints, but they now list them in Minnesota with a D- rating with 181 complaints and 30 negative reviews and 4 paid for positive reviews as of 2/9/2021.  They list the owner as the same person who registered the original web site with an address in Brooklyn:  https://www.bbb.org/minnesota/business-review ... ors-mn-96558142

There are 2 law firms listed at that address in New York on that floor:  http://pview.findlaw.com/view/3522368_1
http://opendatany.com/attorney.php?id=3989167

The business registered in Minnesota in 2015 but was terminated in March of 2017:
Direct Recovery Services L. L. C.
Business Type
Limited Liability Company (Domestic)
MN Statute
322C
File Number
857255800028
Home Jurisdiction
Minnesota
Filing Date
12/2/2015
Status
Inactive
Renewal Due Date
12/31/2016
Registered Office Address
629 7th Ave
Two Harbors, MN 55616
USA
Registered Agent(s)
Elle Gusman
Mailing Address
PO BOX 14
Two Harbors, MN 55616
Lake
•    Filing History

Select the item(s) you would like to order:

Filing Date    Filing    Effective Date

12/2/2015     Original Filing - Limited Liability Company (Domestic)
(Business Name: Direct Recovery Services L. L. C.)

3/1/2017     Administrative Termination - Limited Liability Company (Domestic)

They are registered with the Minnesota Dept. of Commerce as a debt collector:
State     Minnesota
Board     Debt
Inquiry Date     06/12/2017 04:13 AM
Direct Recovery Services, LLC

Business Location Address 629 7th Ave
Suite 1
Two Harbors, Minnesota 55616

Business Phone Number 646-938-3123

Fax Phone Number 718-873-9319

Licenses
Collection Agency
License Number     Original Issue Date     Status         Effective Date     Expiration Date
40458470     12-15-2015     Active         12-15-2015     06-30-2017

Individual Associations
Displaying records 1 through 2 of 2

Full Name    License Number    License Type
Parks , Nancy
40470589     Debt Collector
Robinson , Anita
40470587     Debt Collector

Texas ADAD report:
DIRECT RECOVERY SERVICES LLC
Permit No: 160003
Type:     ADAD
Permit Approved Date:     2/5/2016
Date Last Renewed:     2/5/2016

DBA Names
________________________________________
No DBA Records

Contact Information
________________________________________
Company / Physical  (Mailing Address)
DIRECT RECOVERY SERVICES LLC
ELLE GUSMAN
OWNER
629 7TH AVE
SUITE 1
TWO HARBORS,MN 55616
Web:  www.directrecoveryservices.com
Email:  egusman@directrecovery.org
Phone: 646-938-3123
Toll Free: 855-269-9628
Fax: 718-873-9319
New York Dept. of State info:
Selected Entity Name: DIRECT RECOVERY SERVICES, LLC
Selected Entity Status Information
Current Entity Name:    DIRECT RECOVERY SERVICES, LLC
DOS ID #:    4223752
Initial DOS Filing Date:    MARCH 29, 2012
County:    KINGS
Jurisdiction:    NEW YORK
Entity Type:    DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
DIRECT RECOVERY SERVICES, LLC
255 LIVINGSTON STREET
4TH FLOOR
BROOKLYN, NEW YORK, 11217
Registered Agent
NONE

Bizapedia has one listing with them on the 3rd floor:  http://www.bizapedia.com/addresses/255-LIVING ... N-NY-11217.html
Which also seems to have a lawyer’s office in it.

Other complaints:
http://badfinance.org/review/1469841/direct-r ... debt-collection
http://forum.freeadvice.com/debt-collections- ... cam-536015.html

They have been sued and it looks like they don’t defend resulting in default judgements against them:
https://www.pacermonitor.com/public/case/1067 ... y_Services,_LLC
https://www.pacermonitor.com/public/case/2069 ... y_Services,_LLC
https://www.plainsite.org/dockets/2w4pbfd6j/t ... ry-services-llc
https://www.law360.com/cases/5757597c0203f37980000001

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general
]File a complaint at the NY State AG's Office here:[/u][/i][/b]  http://www.ag.ny.gov/

Also file a complaint with the Minnesota Dept. of Commerce:http://mn.gov/commerce/consumers/file-a-complaint/index.jsp

Received call from this number. Voicemail message starts: "Hello, this is Travis Boyd, unfortunately I received a notice on your file. It is now Tues, Feb 9 and your file reached my office due to what looks like your failure to respond. Well, I need to know if this is done intentionally or perhaps if it was an oversight I suggest you communicate. We are open until 7pm today and the phone number I can be reached at is 844-357-0369 and again it would behoove you to call...." It continues. The number the call came from was 410-982-6318. I didn't answer the call nor did I call them back. They left no company name which made me suspicious.

I received this exact message (word for word) from Travis Boyd today, Feb. 15th. No company name on the voicemail left. Very sketchy sounding.

Federal law designates this matter as a confidential notice for ⁠_⁠_⁠_⁠_ if this is not _⁠_⁠_⁠_⁠_  rider please hang up now if this is silly sock raider please continue listening to this message do not listen to this message where others can hear as it contains confidential information  there will now be a three second pause hello unfortunately we received notice on your file it is now Tuesday, November 9 and your file is reached our office due to your failure to respond but we do need to know what is done intentionally or what's an oversight I suggest you communicate we are open until 7 PM today the phone number is 844-825-9325 again it would be who've you to call before we are asked to see voluntary communication 844-825-9325 I apologize for the aggravation but again we only did just receive this _⁠_ _⁠_⁠_⁠_ hey online go to www.directrecoveryservices.com and click on the pay now link your account