844-531-9290

Stupid and dum

http://www.bbb.org/charlotte/business-reviews ... ewell-nc-310792
This Business is not BBB Accredited
Michael Michael Green & Associates, LLC

Phone: (844) 434-8908
Fax: (877) 926-7003
8105 Old Concord Rd., Ste. 144, Newell, NC 28126-0144
http://www.mmgassociates.com

BBB® Non-Accredited C Rating

20 complaints closed with BBB in last 3 years | 14 closed in last 12 months
Complaint Type    Total Closed Complaints
Advertising / Sales Issues    20
Billing / Collection Issues    0
Problems with Product / Service    0
Delivery Issues    0
Guarantee / Warranty Issues    0
Total Closed Complaints     20

Additional Complaint Information

BBB files indicate that this business has a pattern of complaints concerning the billing or collections issues area. Specifically, complaints are alleging improper collections practices.

On February 19, 2015, Michael Michael Green & Associates, LLC was informed of this concern via email and invited to discuss the pattern of complaints and determine ways in which the pattern might be alleviated.

On April 3, 2015, Mr. Michael met with BBB staff to discuss issues surrounding the company's patterns of complaints.

Mr. Michael provided the following information:

1. Collectors (term given to employees of company) are instructed to call each telephone number of the debtor (term given to individuals who owe money) only once. The collectors are to leave a message with the following information ONLY: company name, name of debtor they are try to reach, collector's name, collector's telephone number, and request for debtor to contact company.
2. When the debtor calls the company and requests a reason for the message, the company provides information on the debt.
3. If the debt is challenged, the company sends validation of possible debt by fax or mail.
4. If the debtor claims the debt was paid, the company will request validation of payment or will call the company.
5. There is script for the collectors to follow.
6. Most (but not all) calls are recorded up until the time the debtor agrees to provide payment. At that point, the recording ends. The call is then transferred to the financial department. Information regarding payment is not recorded as this is considered confidential.
7. They are aware of the Federal Trade Commission Fair Debt Collection Practices.
8. The company, at one point, expected the collectors to review and understand FTC regulations after which they were expected to take a text.

Moving forwarded, the following was discussed in hopes of alleviating the pattern of complaints:

1. Mr. Michael agreed to provide the BBB with updated company information. This will ensure that BBB has current, complete and accurate information.
2. Mr. Michael stated his plan to begin the recording of all collection calls so as to ensure that proper FTC collection regulations are being followed.
3. Complaints and their allegations of inappropriate collection practices may be negated by supplying the BBB with complete recordings of the conversations in their entirety.
4. As a best practice, Mr. Michael stated his plan to reinstitute the practice of his collectors reading the FTC Fair Debt Collection Practices Act.
5. As a best practice, Mr. Michael stated his plan to reinstitute the practice of having his collectors take a test on the FTC Fair Debt Collection Practices Act.
6. As a best practice, BBB suggested to Mr. Michael that he have his collectors sign statements indicating their understand of the FTC Fair Debt Collection Practices Act.

Additional Information

BBB file opened: 03/07/2013
Business started: 07/10/2012
Type of Entity

Limited Liability Corporation
Business Management
Principal: PRIVATE OWNER
Number of Employees

12
*******************
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.

Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors

https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection