855-244-9396

I am writing regards to a situation with a debt collector on Phoenix:
Century Group LLC
855-244-9307
4802 East Ray Road - Suite 23-313
Phoenix, Arizona 85044
They called me using very strong tactics one month ago in regards to something from 2009 in the amount of about $500.00. I made mention that I am happy to settle but have had at least 4 agencies trying to collect on the same thing? I set up a $50.00 initial payment but still questioned them. I asked them to send me an email but never received so I put a halt on the new payments. They called today(I still have a recording of the vmail) that was very strong of which the last words were GOOD LUCK and the a hang up! I contacted them and they said they had LOCATORS that they contacted and I needed to pay? I was able to hold this off until Monday. Any help would be needed. Is this a fraud or are they legitimate but just abusive and if legitimate can they do what they are doing and if not what is the recourse?

This is a long summary, but you need to read it carefully if you think you are being threatened by a debt collector.

The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:

* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.   ["Written" means snailmailed ... not emailed or texted]   <<<<<<<<<<<<<<<<<  Read that again!

* Debt collectors may NOT
- repeatedly use the phone to annoy someone.
- falsely claim that they are attorneys or government representatives
- falsely claim that you have committed a crime
- falsely represent that they operate or work for a credit reporting company
- say you will be arrested if you don’t pay your debt
- say they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so
- communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.
- say that legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action
- use a false company name
- take or threaten to take your property unless it can be done legally;

The debt collector may not garnish your wages unless there is a court order to do so.
+ Many Federal benefits (including Social Security Benefits) are exempt from garnishment

You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000,

Report any problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection


Here are two pages of links to (mostly government) sites in Canada and the USA were you can report those scams, or learn more about them.

Look here first:
https://800notes.com/arts/I2neMkbUAAo/where-to-report-phone-crime

If the reporting site you wanted is not in the above list, try this one:
http://phonehelp.2truth.com/complaint_sites_rev.html

What a surprise - not.  It's at a UPS store!!

http://phoenix-az-2060.theupsstorelocal.com/

Thank you. I actually called that UPS today. They've been receiving a number of call as it pertains to this.