866-251-2396

Let me put it to you this way. I worked there for 4 years and never once saw or spoke with Mr. Wilson. He doesn't visit the collection floor to see what is really going on nor does he care. When you send a letter if it doesn't contain valid legal info, threats and/or proof...it is disregarded with thousands of other letters of the same complaints.

As for this other collectcorp ex employee telling you all they follow the rules, what a crock of crap! If that were the case this thread and countless others like it would not exist.

Bottom line: If a company refuses to respect and treat their own employees in a way that the law requires them to do, what makes anyone think they will abide by the laws that are supposed to protect debters?

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  

A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY.



COLLECTCORP - IS A JUNK DEBT BUYER  

Collect Corp Inc.
415 Yonge Street, Suite 700 / Suite 2000
Toronto, Ontario M5B 2E7
866-821-7325
Fax:    877-766-7693

Toronto, Ontario, CANADA
80 Bloor Street West, Suite 800
Toronto, Ontario M5S 2V1
Phone: 877-706-1898

Other Locations:

111 Peter Street Suite 300, Toronto, Ontario (416-961-9622)
17 West Street, Corner Brook, Newfoundland (709-634-9155)
16 Bath Rd #105, Kingston, Ontario (613-548-7777)
74 King St W, Oshawa, Ontario (905-438-0039)
455 North 3rd Street Suite 260, Phoenix, Arizona
(602-443-2920), (716-849-9604)
300 International Drive Suite 100,
Amherst Centre, Williamsville, New York (716-849-9604)

Head Debt Collectors:
Nicholas Wilson (President)
ncwilson@collectcorp.com
Graeme Stirrett (Executive V P Operations)
John Tilley (Executive V P)
jtil@collectcorp.com
Steve Townend (V P)

stownend@collectcorp.com
Thomas Pestka (Executive Director)
tpestka@collectcorp.com




--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Used to be a decent organization, lately they have apparently turned a blind eye to the law and gone WAY down on the quality of debt collectors they hire. We understand they are paying off many more law suit because of the violations their debt collectors are pile up. It’s the usual  group of lies, threats, intimidation, of arrest, seizure and notifying third parties about debts.

Here is an email we received about them:

“When Maria of Collectcorp called us regarding an AMEX bill, she was NOT happy that we couldn't pay that day in FULL. She told my husband that if things were that bad for us, he either needed to file for Bankruptcy or blow his head off! I don't think it would matter if I'd recorded the conversation with her, she didn't actually THREATEN violence... The joke is on her, though, because there's no life insurance either! Unbelievable...”

The good news for consumers and attorneys is they DO pay the suits and pretty fast, using several reputable law firms, one in Southport, CT, and one in Houston, TX.

Head Debt Collectors and Canadian residents Linda Matheson and James Bruce Conley appear to be suffering what a LOT of older established debt collectors is up against and that is the influx of all the new blood who thinks there is a pot of gold in this industry. That competition has greatly enlarged the market, causing a thinning of both accounts and the pool of reliable collectors available. They recently opened a new office in Phoenix due to the problems in Buffalo.

Meanwhile, consumers are getting smarter, consumer attorneys are filing more lawsuits and Collect Corp is paying off. Anyone contacted by Collect Corp is advised to tape record their calls as a good tape will always result in a bigger settlement.

If you find anything on a credit report from Collect Corp., you would be wise to dispute it with the credit bureaus as “not my account.”

Make them validate their claims in writing, NEVER give a Collect Corp collector access to your banking or credit cards.  Contact me for referral to a REAL consumer attorney.


CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.


How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
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.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.


What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

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;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren’t; or
indicate that papers they send to you aren’t legal forms if they are.
Debt collectors also are prohibited from saying that:

you will be arrested if you don’t pay your debt;
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; or
legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.
Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn’t; or
use a false company name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.
Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members’ Pay
Military Annuities and Survivors’ Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
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, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.

They called my sister who lives in a different town asking for my husband and said I was involved as well. They would say why they were calling.

Called and demanded to speak to my boyfriend. Refused to reveal what it is about. Rude and hung up on me without any info. Absolutely unacceptable.

Def AMEX... Revaluate your relationship with them... They sent two guys with ball bats... Fortunately I sliped out of my bed room window while my 10 year old stalled them... They didn't hurt him too bad... No Dr. bill this time... Pay them - even if your family don't eat... AMEX was bought by the Mafia...

Brendan Dwyer called asking for my dad with an important matter and no other info

I keep getting calls from 866-251-2396 someone named Michael Butler keeps leaving messages over and over , he has a very obnoxious voice, how do i stop the harrassment from Michael Butler?!? Help!!!

i get call after call from chris kapsoulis with collect corp. he has even go so far as to call me from his cell phone 402875-9001 to call me a [***] and tell me my husband needs to beat me. he asked for bank information and i refused. he also calls from the 1-8005626420 ext. 7509 i asked him to contact me by mail and he claims he can not do that. he states he can send faxes to my husbands employer only. ummmmmmmm. yeah, tried to work out a payment with them but he would not settle for anything i can do. i asked them/him not to contact me by phone, he dose not care. he has even tried to call me an unfit parent. collect corp is acting out side the law nad needs to be stopped.

Ok i have no amex card never did but being harrassed and they have called my home, cell, place of empolyment.  They don't even have my correct name.  told them i'm ready to press harrassment charges!!!!!

maybe you should contribute to society buy opaying your bill??? just a suggestion lol

I too had an acct with AMEX, which is now closed. They are using CollectCorp as a third party to try and get money from me to set up payments to pay off the balance on my AMEX credit card. I'm trying to pay off the balance in my acct, but being unemployed and trying to pay bills, it's hard.

I also get calls from this Michael Butler character.  What an annoying [***] he is.  He has a very obnoxious aura to himself and refuses to listen, he only repeats himself over and over then sends me to someone else when I tell him I can't pay anything for a while.  The other people I talk to are reasonable and professional, but this Mr. Butler guy is too much.

I recieved a call but didn't answer, later looked at caller i.d. to see who it was.  I didn't know the #, so I called it back, and spoke to a lady. I asked her what they were calling for?  I told her I don't own a credit card. She said it couldn't be right, cause they only call the states, not Missassauga.  I told her how does she think I got this #, not out of thin air.  I said I am the only listed # for the home, my landlord's is unlisted.  Once again she hinted I was wrong. I told her I get calls such as this all the time, but for upstairs.  She asked if they left a message, no they didn't, didn't know if.  Told me to find out if they did, then call back on the # they wouldn leave, and get it cleared up in this manor.  They didn't leave any message to respond to.  Either when they heard my voice mail and realized it was the wrong #, or wanted to talk to a warm body.  Not sure. I will answer if they call again to tell them I'm not who they want. This lady wasn't out right rude, but hinted It couldn't have been them, since they never call out of the states.
I've never heard of this agency until today when I called them. I don't make a habit of locating and calling collections agencies for fun.  Stupid people have no brain, or manners.

No debt collection companies are allowed to call you at the time of the day, unless you specifically ask them or allow them to... The Federal Trade Commission Website will give you some information on what to do about this company...

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

They even have links to where you can file your complaint...

This is really strange does anyone know of any Canadian companies that the may collect on behalf or....as both my wife and I have never had an American express card or have even visitied the states????????????

I recieved a letter dated march 5 saying tht i owe money to a company ( which i do) but they were giving me 10 days to reply or they would transfer my file to Noel Daley & Associates. I only saw this letter yesterday and today is the end of that 10 day period that they gave me to reply. I've been trying to call them since yesterday but no one has gotten back to me yet. Do they really send your file to a a law firm or what?

I have gotten two calls for my ex- and her boyfriend.  Weird, I dreamt about her, the night before the call.  we divorced over ten years ago.

Is anybody aware if they used any private bus service or private commuter service before receiving calls from this number?

Calling me to collect an unknown person's debt that I have no knowledge of.

Calling to get some persons telephone No. or address that is a dead beat!  Don't know why they even called us!!!!