8559772166

It's always easy to say everyones lying... were you at the sentencing? you have no idea what your talking about so back off especially you CWG40... You stink!  send me a letter to pelican bay and ill tell you all about it

A New York company put you in a California prison??  How did that happen?

...that "stinks" is your fabricated fairytale.  Come to think of it, a fairytale would be more believable!  Thanks for the laugh!

Wow.. The Bull Fecal Matter Meter's needle just broke the glass and went off the scale with that that one!
Who brought you in? Deputy Dog? -ping-ping-ping Ricochet Rabbit?

Oh! The meter is going off again!

They let you text from prison?
I don't think so a**hole

Suck it up cupcake,  what ever your smoken, we don't want any!

***********************************
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.

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.

Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors

Follow the steps in what you need to know here:

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

There was no sentencing, and you are not in prison.  Wait - you SHOULD be in prison for trying to scam innocent people out of money that they do not owe.  Otherwise, take a hike.

NIAGARA PORTFOLIO SOLUTIONS
Posted in:  https://800notes.com/Phone.aspx/1-855-546-9043/2#p842121488911753059
https://800notes.com/Phone.aspx/1-855-977-2166/3

I found this web site with a mailing address, but no physical address.   http://www.niagaraportfolio.com/contact-us.html
BBB page with a C+ rating and 7 complaints:  http://www.bbb.org/upstate-new-york/business- ... ny-ny-235980475
There is also a second BBB page with a slightly different name and address:  http://www.bbb.org/upstate-new-york/business- ... ls-ny-235980960
There is only one listing in New York for this company.  Note that they have stealing from people for a whole 5 months: Selected Entity Name: NIAGARA PORTFOLIO SOLUTIONS LLC
Selected Entity Status Information
Current Entity Name:    NIAGARA PORTFOLIO SOLUTIONS LLC
DOS ID #:    4664618
Initial DOS Filing Date:    NOVEMBER 12, 2014
County:    NIAGARA
Jurisdiction:    NEW YORK
Entity Type:    DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
BUSINESS FILINGS INCORPORATED
187 WOLF ROAD
SUITE 101
ALBANY, NEW YORK, 12205
Registered Agent
BUSINESS FILINGS INCORPORATED
187 WOLF ROAD
SUITE 101
ALBANY, NEW YORK, 12205

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/

I certainly hope you like red.

You too? I was sentenced to twelve 50 year sequential terms, with flogging! Oh, I can hear the doubters say "flogging is unconstitutional!"  Well yeah sure, but so is debtor's prison and look what happened to me!  All for not sending immediate payment for a debt I did not owe to an outfit that could supply no proof of any debt, would not disclose their location, and acted like a playground bully with delusions of grandeur.

Oh woe is me, and so forth.

</sarcasm>

If i call Niagara Portfolio, and ask them if I owe them money, what do you think the answer will be?

Ahhhhhh yes.   A wise woman your mum :)

Portfolio Recovery ASSociates Wannabees.
Buy up old pre-Civil War debts and try to collect.

I can smell it burning.  It smells like pure BS in the morning.

Yep...Afore the sun sets ole Portfolio BS will have you sharing a cell with  Wow.

Hateful individuals they are!

SHORT VERSION: Received a message.  Called back.  Was told I had a 5 year old debt that was never paid.  Verified with the claimed parent company (Check Into Cash) that the debt claimed by Niagara Portfolio Solutions never existed.  Niagara rep gave high pressure push to financial cover the debt at the moment of the phone call else I would be issued a civil summons within the next 48 hours.  Upon calling a direct number back I was transferred to an exceptionally rude individual when I asked too many questions.

--

Initial message from this number was a robocall which only repeated the phrase "this message is for <my name>" twice.  No other information was present in the message.  Upon calling the number back I was told that I owed a debt for an un-repaid loan from "Check Into Cash" from July of 2010 for $215.  The claim was that with the time elapsed the required payoff of the loan would be $722.63.

I asked for proof of the debt as everything sounded shady.  Upon request, they emailed some official looking documentation.  When I say official looking I mean very official looking.  The address, while old, was a correct prior address at which I lived in the time frame claimed.  The phone operator also had my bank routing number and the name of my bank correct.  They did not have my account number, but the conversation was designed to encourage me to give them the account number.  They also had my correct Social Security number.

The pitch was a very high pressure push to settle the debt right at the moment I called the number back.  I was threatened with a court summons for a civil trial to be delivered to my home or workplace within 48 hours if I did not make arrangements to pay the stated amount immediately.  I was strongly pressured not to initially get off the phone when I explained I would need to check bank records to verify the claims.  The operator told me that I had to either make payment arrangements before 4pm (within 4 hours of when I'd first called the number) or that it would be sent for legal processing at that time.  When I explained that I would need some time to check bank records the operator responded, "I'll have to mark your account with a refusal to pay."  I told the operator I'd call them back within the hour.

I verified through my financial records that I'd had no financial dealings with "Check Into Cash" ever, much less in the stated time frame, and called Niagara back with my findings (the operator gave me the direct contact number of 855-546-9043 and stated her name was Theresa).  The operator assured me that she could see the debt was valid and that she had the record for the deposit in front of her and that, "It must be valid because you can't just make up bank routing numbers."  I responded that such information is publicly available and that proved nothing.  I told her at that time to close the account with a refusal to pay.

Following that, I contacted "Click To Cash" directly.  The operator there, upon verifying that I'd never had an account with them and hearing my story, immediately transferred me to their corporate offices where a supervisor asked me to retell my story and then asked for the documentation sent by Niagara.  I'm in the process of getting that information to them now.  The reps at "Click To Cash" seemed genuinely concerned that the name of their company was being used in such a scam-like manner.

Upon calling Niagara back (at the direct number) and asking for some additional information I was transferred without warning to an exceptionally rude individual who responded more like an angry younger sibling than a professional debt collector.  She did not give her name and, following a unsolicited rude comment from her to which I responded "We're done here," she yelled, "Then why are you calling in?!" Following that exchange she immediately hung up the phone.

This is really an awful scam as it's so high pressure and would seem very official to someone who wasn't on top of their financial documentation.  It seems like the time frame is chosen specifically to make it harder to verify the claimed information (They're claiming the debt was from over 5 years ago).  Also, since it's claimed that the debt is to a payday loan corp, most people receiving these calls are probably already suffering undue hardship and the threat of a civil summons delivered by hand by a courier at your place of work would likely make more than a few hard-off people just pay up out of fear.

Have you had any further communication from them since you posted here? I'm wondering what happened next. I received a voice message today from these people and I've never dealt with Check Into Cash. Wondering if I should ignore the message. I don't really want to deal with the stress of listening to them lie to me and try to pressure me. My blood pressure can't take it!