855-832-4046

I haven't opened the documents in my email yet, but wanted to mention they are from a Giovanni Mitchell with Harbourside Financial.

I recieved a call from a restricted # they wanted to verify that I would be home tomorrow to be served papers. I told them I'd be at work, they indicated that they would serve them at a former employer. I told them I no longer work there but that employer is still listed on my Facebook. They told me I'd go to jail for failure to apoear. They left a voice mail with the 855-323-6712 number and to call Lisa...

Obviously you have the wrong people Holly. I also settled an account with them but their number was 8558324046, different people

Total scam.  No legitimate process server calls you up in advance and tells you he or she is coming by.  In order to be jailed in a civil proceeding you'd have to ignore an actual order to appear.   And this would be a part of an ongoing civil case.

In any event  it is a total scam.  If a civil law suit is pending against you, you'd have heard about it by letter from the attorney for the other side.  You'd have a paper trail.  You would NOT have first heard about this from some scammery-scummery debt collector who cold calls you up and starts demanding money.    Ignore and block the call.  Do not return the call.

Just because someone on the phone calling you says you owe a debt does not mean you actually owe it.

If a voice on the telephone claims you owe a debt:

1.    Demand the person give you his or her name, company name, and address
2.     Demand a debt validation letter by US mail.  E-mail no good.
3.    Do not pay  the collection agent or anyone else a  dime until the debt is validated

Of course they won’t do this, no scammer ever will, so simply ignore them and block their calls.

If they are bothering you, report them:

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

Also contact your local attorney general

If they continue to bother you,  and you know you do not owe any money, tell them that you know this is  a debt scam and that you are making a complaint to the police for extortion.  Once you get a copy of the police report and they call you again , just read out the  file number and the name of the PD or Sheriff’s office involved.   Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.

You'll probably have to yell at them and talk over them.  Tell 'em  no scammy debt collector is going to push you around.

You have to get tuff with these people because,  being akin to thugs, brute force is (metaphorically speaking).   the only thing they understand.

You want to give us the name and address of this group?

Yeah right.  Another fairy tale by a company paid shill trying to make their scam look like the real thing.  Really poor job there sport.  My cat could have done better.  Give the 50 cents you got to write that drivel back to your boss and tell you have failed once again, just as you have failed at everything your whole life.

} Shouldn't this kind activity be reported to either their local law enforcement or to the FTC or FCC?

Local PD can't do much about a civil consumer dispute and debt collection is not the FCC's concern. Valid complaint channels include the CFPB, FTC, and attorneys general. You also are granted private right of action to sue for FDCPA violations.

What you need going forward is a change of focus. Pruning and watering a FICO score should never take priority over the abuse of your privacy and the violation of your rights. Your hand-wringing over an ever-fluctuating three digit number has driven rash, emotionally charged decisions about who deserves your money. More on that later.

We are not expected to take the word of strangers on the phone that we owe them, and that would be a correct posture even if the FDCPA was repealed tomorrow. Getting a few scary data points correct is not the same as documented proof that you owe, that the amount is correct, that the collector has a right to demand it, and so on. Bogus debt collectors don't need to be accurate or plausible, only convincing, like in any confidence scheme.

Compelling research on credit scoring was released just over five years ago by Federal Reserve economist Yuliya Demyanyk. The headline finding is that we have to quit calling it a "score", and supplant with the term "credit ranking". The FICO and Vantage numbers don't measure your personal best. They are more like snapshot grades on a curve. Your credit performance is compared with every living American with a credit profile before the digits are spewed. This is why you can do everything right for your credit rank and still come out wrong with a lukewarm number. This is also partly why I place no faith in credit "fixers" who may sell us on the idea of "cleaning up" bureau reports.

Your Credit Score Is a Ranking, Not a Score
http://ideas.repec.org/a/fip/fedcec/y2010inov16n2010-16.html

Interesting thing about Harbourside Financial, they use Domains By Proxy:

http://whois.domaintools.com/harboursidefinancial.com

Whois Record for HarbourSideFinancial.com
How does this work?
Whois & Quick Stats
Registrant Org     Domains By Proxy, LLC was found in ~11,207,615 other domains

Registrar     GODADDY.COM, LLC
Registrar Status     clientDeleteProhibited, clientRenewProhibited, clientTransferProhibited, clientUpdateProhibited
Dates     Created on 2014-12-04 - Expires on 2016-12-04 - Updated on 2015-12-05

Name Server(s)     NS35.DOMAINCONTROL.COM (has 39,773,038 domains)
NS36.DOMAINCONTROL.COM (has 39,773,038 domains)

IP Address     192.186.226.66 - 77 other sites hosted on this server

IP Location     United States - Arizona - Scottsdale - Godaddy.com Llc
ASN     United States AS26496 AS-26496-GO-DADDY-COM-LLC - GoDaddy.com, LLC (registered Oct 01, 2002)
Domain Status     Registered And Active Website
Whois History     12 records have been archived since 2007-11-18

IP History     11 changes on 6 unique IP addresses over 10 years

Registrar History     2 registrars with 2 drops

Hosting History     6 changes on 4 unique name servers over 10 years

Whois Server     whois.godaddy.com
Website
Website Title       Harbourside Financial

Server Type     Apache/2.4.12
Response Code     200
SEO Score     82%
Terms     496 (Unique: 213, Linked: 59)
Images     6 (Alt tags missing: 1)
Links     24   (Internal: 21, Outbound: 0)
Whois Record ( last updated on 2016-01-27 )
Domain Name: HARBOURSIDEFINANCIAL.COM
Registrar URL: http://www.godaddy.com
Registrant Name: Registration Private
Registrant Organization: Domains By Proxy, LLC
Name Server: NS35.DOMAINCONTROL.COM
Name Server: NS36.DOMAINCONTROL.COM
DNSSEC: unsigned

I can't speak on any of that, but I can speak on behalf of my own report and my current "ranking" compared to when I started cleaning it up 6 months ago.  It is important to fixate on something if it means getting a home, which is why the cleaning started in the first place.  I went from high risk to Excellent for all 3 bureaus in those 6 months.  So now my main "focus" is knowing who is legit and not.  Considering I have paid everything that was reporting, I now to tell them to send me something in writing if anything else surfaces.

What does that mean Yoda1725?

I received a call from Steven Lewis, who claimed to be the legal manager of this legal firm called West Point Group. He said that I was being served papers for failure to show up in court for a debt that I didn't pay. He was a real [***]! When I offered to take care of my debt over the phone, he refused and asked me for my email address to send me some documents. I then looked up the company that I supposedly owe and realized that the company doesn't even exist where I lived. I called my local police department and I was told that it was a scam. The number I had to call back because I didn't answer the call because it didn't have a caller id was 424-210-8552. Please don't confirm any information or give out any information.

Wish i known sooner, but i got the raw deal. He scammed me for 3 months. But i found out, my bank refunded me, and they are now going after him.

There are sadly many stories of major purchases held hostage by false derogatory tradelines in a credit report, and also of dirty debt collectors who use such lies as a weapon. You have a right to challenge anything on your reports which is untrue. The "big three" credit bureaus, however, don't take seriously their duty to the truth since we lowly consumers are not their primary customers. For some victims, trips to Federal court are needed to raise their volume. Your FCRA rights, if you use them carefully, enable you to sue an "information furnisher" and/or the credit bureaus to force the needed corrections and compensate you for having to pay more for credit.

CFPB links to material on FCRA and credit reporting
http://www.consumerfinance.gov/learnmore/

CFPB links to material on FCRA, credit reporting, and enforcement
https://www.ftc.gov/news-events/media-resourc ... redit-reporting

Credit reporting issues discussed by the National Consumer Law Center
http://www.nclc.org/issues/credit-reports.html

They now have a new guy named Mark and a woman named Sherie, they have another number...424-218-9801....888-221-5271. they want to do a credit card payment authorization...PEOPLE BEWARE

they got me the same way yesterday. They had all mine to except for the last four.. They told me it was from a medical bill. That the hospital had filed bankrupsey and they bought both of ours debts, also had my husbands name and said they could do a payment arraignment with us.. the debt was almost 70,000 and they would settle for 5,000.. Yeah I bet they would, not going to happen...This kind of crap makes me sick..

They called me and said I had to hrs to make payment plans if  not they were going to sue me ..they have all my info ...I been making payments to them..westpointgroup it their name. .I called to cancel payments and lady name Kim got very upset saying she is going to sue me and take all my money and I have no rights ..she wss crazy then hung up on me ..the number is 888-221-5271.   I have no idea if this is a scam ..help anyone got calls frm them

Was mark the first person that called u

the previous page. Did you take the time to read the many posts in this thread, especially on that page that tell you what you need to know?

He called me 4 days ago. Said his name was Jason. He said he sent a Validation of claim letter however I never received that. He said that I was going to be sued and I was not home to serve me papers . He said if it was something that I would take care of he would work with me. he was suing me for $5000 for unpaid medical bills back in 2008. I told him I don't have that kind of money with me so he said if I paid him hundred dollars this month he would take 1500 in February and that's the amount that he paid for the claim. At the time I was scared and I said yes I'll do it so the next day he called me and said he will fax me a paper and you have to sign and fax it back to me within five minutes of getting the paper and something in my gut told me not to do it. So I didn't. That weekend I started going through my paperwork because I keep all of my medical claim summary of benefits from Blue Cross and Blue Shield. From the date of service they told me May 2008 I had benefits of summary for my insurance showing that they paid their amount to an in network provider and that my amount due is $10 . I have a receipt showing that I paid back. None of it equaled up to $5000. So I called the guy back and told him that I was not going to pay him he got very rude and upset telling me I didn't understand the severity of the problem and that he was going to sue me. I told him he can't sue me for medical bills that have been paid and then never went to collections . He told me it doesn't matter if I had insurance I signed a paper at the hospital saying I will be responsible for any unpaid bills no matter what the insurance say. I told him he was false being that I work with insurance I know that is the network they pay for and you pay whatever they tell you your amount and the hospital has to write off the difference . He became belligerent yelling at me cursing at me and telling me that I didn't know what i was talking about and that he was going to sue me. I told him to send me another letter of validation so I could prove to him that I paid the claim he said I have to have a summary of benefits that has a claim number I called the hospital there was none. And he said that he was not going to give me that to give me an extra 30 days so I told him I will be at my house at 3:30 and he could have the papers there and he said oh that's cute that's real cute then hung up on me. He never called me back again. However the same day he called my husband and tried it on him. Beware he is a scam!!!!!