844-641-9462

The rudest people ever hear over the phone.  i felt like fake

What kind of babble is that? You couldn't post what the call was about instead?

Nevermind, I found a recording and transcribed it:

Quote:

This is a very important matter to discuss with M*** .... this is Lance Ferguson with the Finalization Division. There have been multiple attempts to discuss this matter with you, unfortunately do to you not putting any efforts to make contact with our office, we will now make decisions on your behalf which could negatively affect you. If you would like to stop us from taking the next steps in regard to your file, contact us immediately by pressing any key to be transferred to an awaiting representative or contact us at your earliest convenience at 844-641-9462

Debt Extortion Scam

The vague scare tactic message is designed to panic a victim into calling back.

Most debt collectors will use a certain amount of pressure to convince you to pay the debt. After all, they often don't get paid unless you pay. Be suspicious of a debt collector who uses an unusual amount of pressure to get you to pay immediately, particularly if they also use scare tactics to get you to pay right away. For example, a debt collector is scamming you if it :

• threatens you with a lawsuit and tells that you can avoid the lawsuit by paying right away
• Says a Process Server  or Courier is coming with papers to sign
• Threatens to call / go to your place of employment
• Insists you have been notified, served or are non-compliant via phone message(s)
• Refuses to give a company name or verifiable Contact source
• Refuses to send proof of debt via US mail

A sure sign of a debt collection scam is a collector that wants to you to pay via wire transfer or another method that can't be traced. If the payment method can't be traced, you'll have a harder time getting the authorities involved.

If the creditor sounds completely foreign, or you know you never had an account with that business, there's a chance it's a scam. Never pay a collection you don't recognize. You have the right to request written proof of the debt from the debt collector before you send payment.

https://consumer.ftc.gov/articles/fake-abusive-debt-collectors
https://www.texasattorneygeneral.gov/consumer ... ollection-scams
https://www.ag.state.mn.us/Consumer/Publications/PhonyDebtCollectionScams.asp
https://www.consumer.ftc.gov/blog/2019/02/ftc ... llection-scheme
https://www.consumer.ftc.gov/blog/2017/08/pha ... onate-law-firms

Quote:

Here are some ways to find out if a debt collector is legitimate.
•You received a letter in the mail. ...
•The agency is licensed in your state. ...
•The collector can verify your personal details. ...
•You can request information about the debt. ...
•There's more than one method of payment. ...
•A company works with you, not against you.

Source: https://www.bankrate.com/personal-finance/deb ... ctor-is-a-scam/

File a complaint:
https://www.consumerfinance.gov/complaint/

Repeated calls after incoming them they were contacting the wrong party.

Verbatim with previous commenter down to the name of the person calling Lance Ferguson

Same call as everyone else. I blocked the number.
The calls can be annoying but it's best to ignore Lance Fergusion and not engage in a conversation with them. I'm sure they will attempt to call again under a different number. I will not engage in a phone conversation at all with them. This is definitely a scam.p

Same as above. Threatening message from Lance Ferguson - to my husband trying to look for me.  Number was 844-641-9462.  Pressure to call back... All my bills are paid, Lance.. Go jump off a bridge and get a real job.

Lance Ferguson. Had my personal info. Same as all above.

Keeps calling...says from New Jersey...says send out various mailings...Never did...Rude on phone.
,

Same as the others:
Quote:
This is a very important matter to discuss with L*** this is Lance Ferguson with the Finalization Division. There have been multiple attempts to discuss this matter with you, unfortunately do to you not putting any efforts to make contact with our office, we will now make decisions on your behalf which could negatively affect you. If you would like to stop us from taking the next steps in regard to your file, contact us immediately by pressing any key to be transferred to an awaiting representative or contact us at your earliest convenience at 844-641-9462.

If this was a 'true' debt collector, they are required by law to inform you that 'this is a call from a Debt collector.' Anything you say can be used to assist in collecting that debt.

So here is what is likely going on.  If you had a debt years ago, that is way past the statute of limitations, this is most likely what they are attempting to collect.  These Zombie debt collectors acquire this ancient debt at probably .01 on the dollar.  So let's say you defaulted on a 3000 debt in 2015 and the SOL is 5 years, that debt would be technically uncollectable.  However, if they get you to feel pressured, or you answer a question in a positive way i.e., say YES to something, they can and will use this YES to resurrect the Zombie debt and start the clock rolling again.  So they may have invested $30 and could possibly get $3000 out of it.  If you do call them, don't say YES or agree to anything.  Have them send you proof of the debt.  Don't give them your address, they said they had it right?  LOL.  Call them from some other phone # to, like maybe a google voice #.  Plead the 5th on everything.  Best thing to do, don't worry about it.  2nd thing, get your credit report and see what is out there.  Don't take for granted that it's clean, even though it should be.  I've had these calls surface about 1 time a year for a period outside of their '48 hours' and eventually they go away.  My Mom would even get them as they attempted to pressure her to get to me.  One said he was having lunch at a local restaurant and would be at her home to serve the papers.  To this day, that guy hasn't showed up; guess he is having a real long lunch!.

These vermin are seriously the scum of the earth.

Quote:

technically uncollectable

False! If you owe the money, it is always collectable. If it is past the SOL, then they can't sue you for it. Maybe read the Laws before trying to preach them. Scroll up, I posted some useful links.

I have received calls from 866-884-8639 but they demand contact to this # 844-641-9462 saying the exact same message from Lance Ferguson Sr Claims manager but each voicemail is directed to a different person(NOT ME OR ANYONE I KNOW). I probably had 30 voicemails so I called to let them know I am not Stephanie, Diane, Jeff, Jabib, Juan, Kelly, Francis or any of these people that they are jamming up my voicemail trying to reach. The lady I spoke to said it was Alexander & ????? Associates. I asked if by chance they were trying to reach me for some odd reason and she said all snidely, Only if you know them and have used their DOB or SSN for something. I said nope never heard of them and I'd  appreciate if they could stop calling. Well she went from fake polite to a defensive bitty. Saying we have only called you 1 time. I politely said ok thank you, have a nice day. Very sarcastically she replied, Yeah I hope you have a nice day......Then nothing sat there breathing into the phone and she wouldn't hang up or respond to me saying Hello over and over.
So I don't know if this is a scam call or what but had nothing to do with me if that helps

Quote:

So I don't know if this is a scam call or what

Yet that information was posted in this thread.  I guess that you were too lazy to read it?

Same message as above!