855-231-1722

Did not leave aname just said some documents were to be delivered ........Most likely a collection agency, since I am in a very bad way finance wise.

Collection agency of course,They will say ANYTHING to get YOUR attention,Hot wind & B.S. is there best bet.Forget it unless U DID A FRAUD against A CREDIT CO.Then U might have a PROBLEM. YOUR CALL.

This COLLECTION CO. Buys old CREDIT CARD WRITE OFF,S Then they try to COLLECT from U any way they can.Most of the time with the FEDERAL CASE against U and DOCUMENTS are coming B.S.Not only U but ANYONE THEY CAN GET THE NAME OF THAT U EVEN REMOTLY KNOW..The GAL that answers the phone CLAIMS at 1st to be ONLY a SWITCHBOARD PERSON but becomes the KNOW IT ALL of the OPERATION & WILL FIND YOUR FILE if SHE THINKS U MIGHT PAY.These peaple ARE VERY CLEVER SO DONT TRY TO OUTSMART THEM.Think your CASE over then if its HOT AIR,Well I would just tell them DONT CALL ME AGAIN.I THINK WHEN THEY CALL THEY HAVE THE INFO ON FILE so its UP TO U TO SET THEM STRAIGHT.THEY ARE NOT CALLING TO WASTE TIME,BUT OF COUSE THEY MAKE A LOT OF MISSTAKES. NUFF SAID ///

Sounds more like a extortion Scam Operations.. More on that in the links below:

https://800notes.com/arts/Jb8EW-eDhQA/harassin ... 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

And see:
https://800notes.com/forum/ta-944ec1426a8bcbb/ ... service-attacks
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http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
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http://www.net-security.org/article.php?id=1828
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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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http://www.fdcpa.me/fake-process-server-injunction/
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https://800notes.com/forum/ta-9413b3202bc8b6c/ ... net%27s-tactics

To report Extortion Scam Operations, file reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

Consider buying a call blocking device or phone..
http://www.amazon.com/s/ref=nb_sb_noss?url=se ... s=call+blockers

THANKYOU,4 all that GREAT INFO.NO I think this is a legitimate MOM & POP COLLECTION CO.However they use some HIGHLY QUESTIONABLE TACTICS.One must remember that they PAID 4 these ACCOUNTS with hard earned CASH.Only PENNYS on the DOLLAR,But they DID PAY.They are EXPERTS at SCARING PEOPLE.

"Mom & Pop" outfits that buy these accounts for pennies on the dollar, in "hard earned CASH", are fully aware that what they're purchasing are debts that they know full well are invalid, past the SOLs or just plain bogus. Which explains the scare tactics & the violations of the FDCPA. They know that they have no chance on collecting on their paper if they have to adhere to federal regulations. Using illegal scare tactics is the only way these types of outfits can make their gamble on bargain bin paper pay off. They are gamblers and, more importantly, criminals.
When dealing with bottom-feeding collection outfits the first step is DEMANDING a written notice of validation be mailed to you. NOT e-mail or fax! As per federal regulations under the FDCPA. When the "Mom & Pop" outfit refuses or starts making threats & excuses...case closed. They're frauds! Report them to the FTC & then block their calls or ignore them.
Be Safe. Be Aware.
Gunnar

There is *NO* excuse for breaking FDCPA laws! None whatsoever!  And seriously, all they are doing is opening the door for lawsuits under both FDCPA and TCPA laws that can & could cost them way more then that debt cost them to start with.
Word of Advice, Caps is considered shouting, lose the caps key!

Regardless of their size, the FDCPA applies to all companies.  Even if they are small, that doesn't mean they are a wholesome "Mom & Pop" think.  In the past few months we have seen several of these outfits exposed here by the regulars, and they were run by people with extensive criminal histories for things like fraud, drug trafficking, and assault.   Sort of like failed street thugs taking to the phone.

I also caution one about "the ends justify the means" philosophy, and "mistakes are made".   Law enforcement can't play by this approach. In America, we have civil rights.  They apply to all citizens, whether they are accused of a crime or accused of having unpaid debts

Me thinketh you protesteth too much to be a typical consumer who wandered in here. You repeatedly claim "they paid hard earned money for this".  So?  It is call business and it is an investment. At times, one losses money on investments.  Ask anyone who was in the stock market in 07-08 or anyone who bought a home and is in a situation of "negative equity" --- i.e., they are underwater

Also,  caps are the first give away of a Shill at work.....as this person is certainly none less than a prime suspect.

THANKS,Very good info.

Thankyou,Did not Know that about CAPS.

Repeatedly HUH ? WHERE ? Who cares anyway.Be sure to replyI I love to hear from a EXPERT.,

Obviously you do, cause you decided to share your thoughts.

YUP,Last time.Bye ALL.JOHN H. JUST RODE OFFF IN TO THE SUNSET.