855-208-6850

This company inpersonate investigators !!... Its agains the Law ...

Unknown caller, names, social security numbers, banks, check cashing, credit unions, whosoever. Being accused of a crime, fraud or whatever, is just wrong, unfair& unjust. This is serious, to deal with such accusations as this. My credit, my life, my word etc. is not fair & will not mean any thing. I have nothing. From New York to Louisiana, where next? omg! Give me strength.

They called my friends cell phone, relatives phone numbers, left detailed messages that they had affidavit complaints against me and will forward them out to the county office and place of employment if I don't call.  They never called me just everyone else and defamed me. Can't believe they have access to private cell phone numbers of friends and family.  Illegal and they should be reported and investigated.

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action

Also read up on the laws and your rights:

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

And see:

https://800notes.com/forum/ta-86217073a9c8dad ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
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A Collection Agent May Not…

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer’s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.

Reena Garcia keeps calling my number [removed] looking for a person who does not live here.  I do not call back.  She leaves voice mail.  How can I stop this?

You can buy a call blocking device or phone, and see my post above to report these calls.

The T-lock Incoming PRO Call Blocker sells for under 60 bucks on Amazon and can block up to 1500 numbers.

I to am constantly getting calls from 1-855-208-6850and a person named Raina Garcia. I was left messages saying they have papers they will serve me over some debt I have never heard of and now they are calling my relatives as well and this becoming very emotional for my family as well due to the hounding phone calls. How do U stop these harassing phone calls?

HAVE U EVER ASKED HER TO STOP CALLING ? THATS USUALLY HOW I'VE HAD CALLS STOP TO MY PHONE.

I do not know who this Laura Richardson is.  She left a message stating that there was an affidavit on me in regards to a supposed loan I took out.  The person also called my elderly aunt stating that there were charges against me.    This person needs to stop

REAL process servers do not call first.  They arrive without warning.  Please read Tamianth's post above yours for more information.

These people have called several members of my family saying they are going  serve me papers? I assume it is an attempt to collect a debt. The lady on the other end her name was Laura I think has scared the crap out of the family members.

Laura Richardson called me at work saying something about having a Civil Case Filed in the County where I live on her desk. Told her not to call me at work. She then called my cell phone with the same message. I believe this  to be a SCAM!!. Why not send a letter first??? anyhow block the number from your phone and report it..