8662183402

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
https://consumercomplaints.fcc.gov/hc/en-us
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.creditcards.com/credit-card-news/c ... ations-1282.php
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
http://www.fair-debt-collection.com/debt-collectors-list.html
https://www.ftc.gov/news-events/press-release ... rtners-announce

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
https://www.consumer.ftc.gov/blog/dont-recognize-debt-heres-what-do
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:

-- defendants --
Stark Law LLC, also doing business as Stark Recovery; Stark Legal LLC
Ashton Asset Management Inc.
CHM Capital Group LLC, also d/b/a Capital Harris Miller & Associates
HKM Funding Ltd.
Pacific Capital Holdings Inc., formerly known as Charles Hunter Miller & Associates Inc. and also d/b/a Pacific Capital
Hirsh Mohindra, also d/b/a Ashton Lending LLC; Gaurav Mohindra; and Preetesh Patel

https://800notes.com/forum/ta-e2b6ffe733efb98 ... -area-operation
https://800notes.com/forum/ta-e2c17db13593f86 ... and-illinois-ag

As you say, there is such a thing as "Threatening legal action with no intent or ability to follow through".

I picked a State at random.  This State lets prosecutors run their own informational web sites.  So I picked a prosecutor's web site at random.

Let's assume someone buys an item at a store and pays with a check that is NSF.

The prosecutor said the statute of limitations for a bad check under $500 was 1 year, and for a bad check over $500, the statute was 3 years.

The CIVIL statute of limitations for intentional fraud, in the random State, seems to be 5 years.  If someone wants to try to prove that the check is a written 'contract', the statute of limitations is 10 years - if the Judge buys that theory - and the Judge may not buy that theory, because a check is actually an "order" to a bank, to disperse funds.

More likely, if the check is only some of the "evidence" of an agreement to buy something, and if there is no written evidence of the contract, then the statute of limitations on the contract of sale is 5 years.  It's an open question whether a cash register receipt is a written contract to buy, or just evidence of a verbal contract of sale.

So THIS company is pursuing alleged bad checks, many of which are under $100, and many of which are more than 10 years old.  In the random State, those checks could not be collected civilly, or prosecuted on.  And the evidence that they could not be prosecuted or collected on is on the face of the check - the date of the check.

This company has to hire people who can read, to do their business.  The employees SHOULD have been provided a list of checks they can't pursue, State by State.  And yet they are pursuing small change, in the form of uncollectible debts.

(I still haven't been able to understand all the gobbledygook in the last two paragraphs of the CCO's post.  I think at one point, he said that if the person who wrote the bad check was connected with a bad credit rating, he would pursue the check even if there were problems with the age of the check.  I think that would be - what is the word? - dishonest.)

Poor Kris, thought this would be a sure fire way to "legitimize" your scam.  Tsk tsk.  It's not your fault.  You didn't know there would be an army of smart, ethical people who don't like it when scammers try to use this forum to further their thieving ways.  The storm, the wolf, big A, CW, Tamianth, Kong and so many others, take pride in finding out the truth about low life.  Furthermore, they're good at it!  You're busted, dude and so is your "company."  Now run along before somebody drops a house on you!

You say you're not covered by the FDCPA, you want to make a bet?

Regarding "bad checks" and the FDCPA, see Federal Trade Commission v. Check Investors, Inc.

Summarized here http://www.foxrothschild.com/newspubs/newspubsArticle.aspx?id=5402

Of specific interest to this thread is the following

Quote:

"The FTC brought an action against Check Investors seeking to enjoin its abusive and unfair collection activities under the FDCPA and for restitution. Check Investors claimed it was not subject to the FDCPA because: 1) NSF checks were not “debts;” 2) individuals that bounce checks are not “consumers” but rather criminals and tortfeasors; and 3) Check Investors was not a “debt collector,” but rather a “creditor” because it owned the NSF checks and was seeking to collect on its own behalf, not on behalf of another. The lower court granted summary judgment on behalf of the FTC, and Check Investors appealed.

The Court of Appeals rejected all three of Check Investors' arguments. The Court reasoned that because a check evidences an obligation to pay for goods or services, it falls within the definition of a “debt” under the FDCPA, even if the individual never intended to pay for the goods and services and knew the check was bad at the time it was written. The Court also held that an individual that writes a bad check is still a “consumer” under the FDCPA even though the intentional issuance of a bad check is a crime in many states and is fraudulent. The FDCPA defines a “consumer” as “any natural person obligated …to pay any debt.” The protections of the FDCPA do not distinguish between deserving and undeserving consumers."

Good Afternoon Ms. Ryan!

You have made the assertion that "Data Check is NOT ... obligated to follow the FDCPA".  I find that curious since, as I'm sure you are aware being Chief Compliance Officer, that  Data Check of America is currently a defendant in an FDCPA suit filed on May 19, 2016 in California Eastern District Court
https://dockets.justia.com/docket/california/caedce/1:2016cv00714/296179

Would you care to make a comment on this pending litigation?

Second, A list of portfolios on debtselling.net included 73,000 Data Check accounts with a face value of $22million
https://debtselling.net/wp-content/uploads/20 ... toryList-1.xlsx

So, if data check "accounts" are being sold as debts, exactly how and why wouldn't the FDCPA apply?

Just in case someone raises a question as to the validity of comments about a random State, I did some looking.  I wouldn't say it's "legal research".  The information came from the best available sites, but it was bloody hard to find some of the information.

Here goes, however.  I will give my conclusion at the beginning.  Collecting on bad checks that are 10+ years old is pretty close to impossible in the States where Winn-Dixie stores are located.  According to their web site,

Winn Dixie is located in Alabama, Florida, Georgia, Louisiana and Mississippi

Alabama, civil

In Alabama a bad check can have criminal and civil penalties. If you have received a bad check it is important to know the steps to take to recover the check amount. It is your responsibility as the receiving party to make the demand for payment. Generally you have a two (2) year statute of limitations for collecting on a bad check amount.

http://www.bhamlaw.com/bad_checks.html

Alabama, criminal

In Alabama, the statute of limitations for misdemeanor offenses is 12 months. Negotiating a worthless instrument (writing a bad check) is a misdemeanor.

https://www.avvo.com/legal-answers/is-there-a ... -i-1286998.html

Florida, civil

It was difficult to find a civil statute of limitations on bad checks in Florida.  The civil statute of limitations for written contract is 5 years, and for verbal contract is 4 years.

http://statelaws.findlaw.com/florida-law/flor ... tions-laws.html

Florida, criminal

It is imperative that all worthless check complaints be received no later than six months prior to the statute of limitations expiration. The statute of limitation for checks received for merchandise or services:
Less than $150 - two years from the date of the check;
Greater than or equal to $150 - three years from the date of the check.
http://www.sao6.org/bad_checks-howto.htm

Georgia, civil

Fraud, 2 years

https://www.google.com/search?q=georgia+statu ... +of+limitations+

Georgia, criminal

If the check is for less than $500.00, the statute of limitations is two years. If it is above that amount, the statute of limitations is four years.
The statute period starts to run from the time the holder of the check learns it is insufficient.

http://www.justanswer.com/law/6k0ta-statue-limations-bad-checks-ga.html

Louisiana, Civil

5 years

https://www.avvo.com/legal-answers/is-there-a ... k-i-580744.html

Louisiana, Criminal

Most articles dealt with the process of collecting, and did not mention statutes of limitations.

Mississippi, civil

STATUTE OF LIMITATIONS (IN YEARS)
Open Account: 3
Written Contract: 3
Sales (UCC) Contract: 6
Domestic Judgment: 7
Foreign Judgment: 7 (3 if resident)
Deficiency Suit: 1 year from date of sale

http://www.acollectionagency.com/statuteoflimitations/mississippi.php

Mississippi, criminal

Mississippi criminal statute of limitations, found in Mississippi Code Annotated section 99-1-5, states that all offenses must be charged within two years from the date of occurrence unless the crime meets an exception specified in the statute. These exceptions include, but are not limited to: forgery, counterfeiting, embezzlement and obtaining money or property under false pretenses or by fraud.

https://www.avvo.com/legal-answers/is-there-a ... -ca-847643.html

The Louisiana statute of limitations on bounced checks is two or three years. You'd have to call the state to confirm.

Louisiana was the toughest State to research.  Most of the inquiries went to a data base, run by one of the legal service conglomerates.  They would not respond to terms that humans use.

Excerpts from the citation guide prepared by attorney Daniel Edelman, probably the foremost authority on FDCPA claims:

    "Since litigation is a means of debt collection, {Heintz v. Jenkins, (1995); FTC v. Check Investors, Inc., (2007)} someone who acquires debts in default and files collection lawsuits is subject to the FDCPA. Entities subject to the FDCPA under this principle include ... check guaranty companies that purchase dishonored checks. {Durkin v. Equifax Check Servs., (2002); Ballard v. Equifax Services, Inc., (1998); Holmes v. Telecredit Services Corp., (1996); Winterstein v. CrossCheck, Inc. (2001)}"

    "... dishonored checks are covered, even if liability is based on a bad check statute rather than the contract (check). {Bass v. Stolper, Koritzinsky, Brewster & Neider, S.C., (1997); Ryan v. Wexler & Wexler, (1997); Charles v. Lundgren & Associates, P.C., (1997); Duffy v. Landberg, (1998); Snow v. Riddle, (1998); Hawthorne v. MAC Adjustment, Inc., (1998); FTC v. Check Investors, Inc., (2007)}

    "Check guaranty companies are statutory "debt collectors" because the check was in default at the time it was acquired by the guaranty company. {Ballard v. Equifax Services, Inc., (1998); Holmes v. Telecredit Services Corp., (1996); Winterstein v. CrossCheck, Inc., (2001)}"

As to the fog billowing from the rest of your comment, consumer rights do not vanish simply because you've purchased some checks which may have been dishonored. The principle of "Holder in Due Course" is really inapplicable to consumer credit, and it's been that way since mid-May 1976, when FTC Rule 433 became effective.

Trade Regulation Rule Concerning Preservation of Consumers' Claims and Defenses / aka Holder in Due Course Rule
https://www.ftc.gov/enforcement/rules/rulemak ... due-course-rule

Excellent research Res! I'd like to see this "Chief Compliance Officer" come back & refute your post. I really doubt we'll be seeing anymore of Kris Ryan.
Live Well.
Gunnar

I keep  getting  calls on a  check   that is  19  years old.   They even  have a picture of it.  The   check  is 20.00 but they have fees on it that increase the fee  to 198.99  They are also using a number 205-327-1337

Well, I hope they find a nice birdcage or leaky oil pan for that check image. Might as well get some use from that and all their other junk paper. Meantime, you can shop for a nice frame to hold the image of the much larger check you'll be sent to close your FDCPA lawsuit.

Please publish the cell phone number so we can all call him.  See how he likes it!!

Instead of worrying about getting a phone number, you should be reading the other posts and using what is here to learn and to get back at them by suing them, thus hurting their pocket book and making your life easier.

I am a private investigator for a Law firm in Georgia. This company is not out of Georgia or Arizona nor California. I found there business license in the state of Nevada. The owners are Duane christy and billy Kirby there out of a office on 2295 renaissance suit a Las Vegas NV 89120. This company is a scam and fraud I had some of my investigators call them they threaten of arrest as well as taking people to court on 10 to 18 year old checks we also found out that the owner Duane Christy haves another collections agency in Nevada called Aargon agency and there off of 8668 spring mountain rd Las Vegas NV 89117.

Scammer claimed to be calling from a collection agency, named Check Systems. Claimed I had a bounced check from 1994. No, I do not. My bank would have informed me same day, and there would have been a fee. Neither occurred. I was instructed to call "the attorney handling this case" (no name given) at 866-218-3402. I called. The man who answered identified the company as "Data Check of America". I gave him the "case number" I was given by the man at Check Systems, and was then connected to a woman who identified herself as "Dianna Medick", and claimed to be an attorney with "the fraud department". She claimed my "refusal to pay for a returned check is a crime punishable by fines and imprisonment", and that she was going to file a complaint with the court, same day. I told her "I'll see you in court then", and hung up. Both numbers attempted to call me several times afterward. Last call received at 9:19-p.m. last night. My son showed me how to block numbers on my cell phone, so they are both blocked now.

After posting my post, here, I read through the previous posts. It looks like these scammers ceased operations in 2016, but are up and at it again.

I haven't heard that name in a long, long time.  I thought they went out of business.  They would not be able to legally collect on a check from 1994 regardless.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

DATA CHECK OF AMERICA, INC NOW CALLING THEMSELVES DATA CHECK OF NEVADA AKA AARGON AGENCY, INC.

Aargon agency claims to have offices in 5 states but gives no physical address for any of them:  https://www.aargon.com/contact-us.html

Aargon Face book page has lots of propaganda on it:  https://www.facebook.com/AargonAgency

BBB has DC of America in Nevada with no rating and no complaints as of 12/5/2023:  http://www.bbb.org/atlanta/business-reviews/c ... nta-ga-27604060

BBB gives DC of Nevada No rating with 0 complaints as of 12/5/2023:  http://www.bbb.org/southern-nevada/business-r ... gas-nv-90040896

BBB gives Aargon Agency and accredited A- with 66 complaints and 13 negative reviews as pf 12/5/2023:  http://www.bbb.org/southern-nevada/business-r ... -vegas-nv-50413

Bizapedia has them as a Georgia Corporations:
Company Name:      DATA CHECK OF AMERICA, INC

File Number:      15059524

Filing State:      Georgia (GA)

Filing Status:      Active/Compliance

Filing Date:      June 16, 2015

Company Age:      7 Months

Registered Agent:               Cynthia Hurst
517 Windcliff Dr
Marietta, GA 30067

Principal Address:               517 Windcliff Dr
Marietta, GA 30067

Company Contacts
CYNTHIA D HURST

Incorporator

         517 Windcliff Dr
Marietta, GA 30067

And has this defunct corporation at that address also:
Company Name:      SAFFER, INC.

File Number:      J711744

Filing State:      Georgia (GA)

Filing Status:      Automated Administrative Dissolution/Revocation

Filing Date:      May 1, 1987

Company Age:      28 Years, 8 Months

Registered Agent:               Saffer, Sally M.
1045 Sterling Ridge Chase
Marietta, GA 30062

Principal Address:               3403 Chastain Dr Ne
Atlanta, GA 30342-4174

Company Contacts
DEBRA ANN SAFFER

Secretary

         928 Scenic View Dr
Atlanta, GA 30339

DEBRA ANN SAFFER

Chief Financial Officer

         517 Windcliff Dr
Marietta, GA 30067

SALLY M. SAFFER

Chief Executive Officer

         3403 Chastain Dr
Atlanta, GA 30342

Georgia Dept. of State has them formed June of 2015 and out of business January 4th of 2016:
Business Name:    Data Check Of America, INC    Control Number:    15059524
Business Type:    Domestic Profit Corporation    Business Status:    Active/Owes Current Year AR
Business Purpose:
Principal Office Address:    517 Windcliff Dr , Marietta , GA, 30067    Date of Formation / Registration Date:    6/16/2015
State of Formation:    Georgia    Last Annual Registration Year:    NONE
DissolvedDate :    01/04/2016

Registered Agent Information
Registered Agent Name:    Cynthia Hurst
Physical Address:    517 Windcliff Dr , Cobb, Marietta , GA, 30067, USA

Officer Information
Name    Title    Business Address
Cynthia Hurst, D        517 windcliff dr, Marietta , GA, 30067, USA
Cynthia Hurst, D        517 Windcliff dr, Marietta , GA, 30067, USA

517 Windcliff Dr is the business location and is a condo or townhouse that might be up for sale.

Other complaints:
http://www.everycaller.com/phone-number/1-707-205-1628/       (note the first post is a shill post).

Since the corporation has dissolved and since they are not registered anywhere else, they are not legally allowed to do business.
Nevada Dept. of State info:
DATA CHECK OF NEVADA LLC

Business Entity Information
Status:    Active    File Date:    08/19/2015
Type:    Domestic Limited-Liability Company    Entity Number:
E0397212015-4
Qualifying State:
NV    List of Officers Due:
08/31/2016
Managed By:
Managers    Expiration Date:

Foreign Name:
    On Admin Hold:
No
NV Business ID:
NV20151493965    Business License Exp:
08/31/2016
Additional Information
Central Index Key
Registered Agent Information
Name:    NEVADA LEGAL FORMS & TAX SERVICES, INC.    Address 1:    3901 W CHARLESTON BLVD
Address 2:        City:    LAS VEGAS
State:    NV    Zip Code:    89102
Phone:        Fax:
Mailing Address 1:        Mailing Address 2:
Mailing City:        Mailing State:    NV
Mailing Zip Code:
Agent Type:    Commercial Registered Agent - Corporation
Jurisdiction:    NEVADA    Status:    Active
View all business entities under this registered agent

Officers     Include Inactive Officers
Manager - DUANE CHRISTY
Address 1:    8465 W. SAHARA AVE. STE. 111-201    Address 2:
City:    LAS VEGAS    State:    NV
Zip Code:    89117    Country:    USA
Status:    Active     Email:
Manager - ERICA KIRBY
Address 1:    8465 W. SAHARA AVE. STE. 111-201    Address 2:
City:    LAS VEGAS    State:    NV
Zip Code:    89117    Country:    USA
Status:    Active     Email:
Manager - BILLY KIRBY III
Address 1:    8465 W. SAHARA AVE. STE. 111-201    Address 2:
City:    LAS VEGAS    State:    NV
Zip Code:    89117    Country:    USA
Status:    Active
AARGON AGENCY, INC.
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Business Entity Information

Status:      Active    File Date:      2/9/1996
Type:      Domestic Corporation    Entity Number:
C2860-1996
Qualifying State:
NV    List of Officers Due:
2/28/2017
Managed By:
    Expiration Date:

NV Business ID:
NV19961078829    Business License Exp:
2/28/2017

Additional Information

Central Index Key:

Registered Agent Information

Name:      JOLLEY URGA WOODBURY & LITTLE    Address 1:      3800 HOWARD HUGHES PKWY 16TH FL
Address 2:          City:      LAS VEGAS
State:      NV    Zip Code:      89169
Phone:          Fax:
Mailing Address 1:          Mailing Address 2:
Mailing City:          Mailing State:      NV
Mailing Zip Code:
Agent Type:      Commercial Registered Agent - Corporation
Jurisdiction:      NEVADA    Status:      Active

View all business entities under this registered agent

Financial Information

No Par Share Count:
25,000.00    Capital Amount:
$ 0
No stock records found for this company

Officers       Include Inactive Officers

Secretary - NOA CHAR
Address 1:      8668 SPRING MOUNTAIN RD    Address 2:
City:      LAS VEGAS    State:      NV
Zip Code:      89117    Country:      USA
Status:      Active    Email:

President - DUANE CHRISTY
Address 1:      8668 SPRING MOUNTAIN ROAD    Address 2:
City:      LAS VEGAS    State:      NV
Zip Code:      89117    Country:      USA
Status:      Active    Email:

Treasurer - DANIEL ROBINSON
Address 1:      8668 SPRING MOUNTAIN RD    Address 2:
City:      LAS VEGAS    State:      NV
Zip Code:      89117    Country:      USA
Status:      Active    Email:

Director - CLYDE WOOLBRIGHT
Address 1:      8668 SPRING MOUNTAIN RD    Address 2:
City:      LAS VEGAS    State:      NV
Zip Code:      89117    Country:      USA
Status:      Active

Nevada Business and Industry info:
License Number: CA10056    Current Date: 03/14/2016 11:28 AM
Name:     AARGON AGENCY INC
Doing Business As:     AARGON COLLECTION AGENCY
License Type:     Collection Agency
License Status:     Active
Expiration Date:     06/30/2016
Original License Date:     04/03/1996
Addresses
Mail Address     Address     8668 SPRING MOUNTAIN RD
LAS VEGAS , NV
CLARK
89117

    Phone Number:     702-220-7037   Extension:   227

LicenseLocation     Address     AARGON COLLECTION AGENCY
8668 SPRING MOUNTAIN RD
LAS VEGAS , NV
CLARK
89117

    Phone Number:     (702) 220-7037

No license for Data Check of Nevada which means they cannot legally collect debts in that state, or even operate as a debt collector.

Other complaints:
http://www.ripoffreport.com/r/AARGON-AGENCY-INC/Las-Vegas-Nevada-89117/AARGON-AGENCY-INC-Did-not-remove-Paid-off-bill-from-credit-report-they-were-informed-tha-1018259
http://www.ripoffreport.com/r/aargon-agency-inc/las-vegas-nevada-89102/aargon-agency-inc-aargon-collection-agency-junk-debt-collectors-past-sol-debts-placed-o-572957
http://www.ripoffreport.com/reports/directory/aargon-agency
http://badfinance.org/review/1305990/aargon-agency-inc-debt-collection
Looks like there was a government action against some firms at the address for Aargon:  https://www.ftc.gov/sites/default/files/docum ... eymakercmpt.pdf

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “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 communication must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

You can also file a complaint with the FTC who will then direct you to the CFPB.  Or you can simply go to the the FTC website and file a complaint which will again be redirected to the CFPB.  No matter what you are going to end up reporting the complaint to the CFPB so why not go there first and forget about the FTC?  I mean seriously, you are not actually going to report anything about debt collection directly to the FTC but hey, knock yourself out!  https://reportfraud.ftc.gov/#/assistant

You should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices: https://800notes.com/faq/attorney-general

As well as the Georgia AG:     http://law.ga.gov/
http://consumer.georgia.gov/consumer-services

Also file a complaint with Nevada Business and industry, here is the form:  http://business.nv.gov/uploadedFiles/business ... rm%208-2015.pdf

Per Resident47:
I've older notes on Aargon Collection Agency / ACA  in Vegas making it a/k/a Bourassa Law Group and Total Credit Recovery.
8662183402
Did you get a call from 8662183402? Read below to find out details about this number. Also report unwanted calls to help identify who is using this phone number.
866-218-3402
Toll-free
•
Kris Ryan, CCO
48 min ago | IP: United States | 3 replies
Data Check of America LLC provides Merchant Check Verification and Approval Services throughout the United States.  The Company was recently purchased and internal collection activity is being conducted prior to referring unpaid checks to a debt collection agency.  Data Check is NOT a debt collection agency.  If you have been contacted by Data Check of America LLC make sure it is the actual company and not a debt buyer or collection agency.  Data Check is NOT a scam company and NOT obligated to follow the FDCPA.  If you have a complaint or feel you have been treated poorly you may contact me directly:

Kris Ryan
Chief Compliance Officer
Data Check of America, LLC.
(888) 221-6373

Depending on the age of the check legal action may or may not be taken, however that does not prevent collection activity (unless prohibited by state law) or from your information being referred to Chex Systems or any other Check Verification Company.

The only reason Data Check of America LLC would contact a consumer is because of negative consumer information in our Financial Services Database, and/or a return or otherwise unpaid check where Data Check of America was required to settle the transaction with our Merchant.  Data Check of America LLC is the Holder in Due Course of your unpaid check.
Caller: Data Check of America