8663040566

Answered this call even tho I had an idea who it may be.. at least they answered when I said 'hello?'.

OK... they seem to be looking for a person I rented a room to at least 8 years ago. They said he left this as a call back number. When I asked when he did this, the reply was, "Last month."

ER... no. I haven't seen or heard from this dude for 5 years. This is an old debt, no doubt. And if he lived here when he did it, I suppose that number would be on it, sure. I suppose they'll call again.

They call our home at all times of the day/night. It says it's a 800 call on our caller ID so I usually don't pick up. We moved and haven't signed up on the No Call list.
My son answered the phone and when they asked for my husbands "proper" name, he responded that he wasn't here. Of course that made me know it was someone who didn't know him.
10 minutes later, my mother-in-law called and said they called her asking if she knew him, and that he was in the middle of an investigation. then asked for #. she gave it to him (lol) and he said he had just called and he lied about being home. Really upsets us that he called the mother -- scared/ worried her-- said he lied -- and that he was in an investigation-- blah blah blah. i do believe this is illegal, he shouldn't be able to call her.

harrassment at the workplace.
this number keeps calling my place of business and harrassing me and my operations manager repeatedly. He has been told not to call my place of business and is still continuing to do so, asking for my supervisor....

I received a call from a Ms. McNamara asking for someone who no longer lives here asking that I call  888-851-8674.  Neither my husband nor I owe any money and have no intention of answering any call from an 800,866, or 888 number and will certainly never return a call.  I sent letters both to the company and to the attorney general of their state.  Don't know if that will work, but if they want to keep calling, they can do so.  No one will ever respond.

Financial Recovery Services, Inc.
4640 W. 77th St.
Suite 300
Edina, MN 55435
(952)-831-4800    
Fax (952) 831-6700
http://www.fin-rec.com/

Now that you know who they are, you can send them this "Drop Dead" letter VIA certified mail. Request a return receipt and keep copies of everything you send. If they continue calling after you have written proof they have received it, they can face fines of up to $1,000.00 PER violation.

Date

Your Name
Mailing Address
Your City, State, Zip

Re: Notice to Cease Contact Regarding Debt for ______________________

Name of Collection Agency
Mailing Address
City, State, Zip

VIA CERTIFIED MAIL

I am notifying you in writing that your agency has contacted me regarding a debt for [name of person who collector is contacting you about]. No one by that name lives at my address or phone number.

Therefore, I am requesting that you cease all communication to my phone number regarding this person's debt. If you persist in believing that [name of person] is somehow connected with my address and/or phone number, please provide proof of your claim.

You should direct all future correspondence in writing as outlined in the Fair Debt Collection Practices Act (FDCPA) and to cease all communication with me by telephone.

Lastly, I would like to receive confirmation in writing that you have received this letter and will no longer be contacting me about this other person's debt, or I will be forced to seek further legal action.

I look forward to your acknowledgement that you have received this notice by [date that is two weeks from date of letter].


Sincerely,

_______________
(Signature)


Your Name

http://www.privacyrights.org/Letters/debt6.htm

Great information...Thank you for taking the time to inform us.

They have called me after 9pm.  I thought it was against the law to do that so I reported them.

they called about 3 months ago for first time and told me about some old credit card bill from 1984 (1984!!!).  Told them I had NO idea what they were talking about- and he said "that can't be -it says here that you've been contacted several times."  I haven't.  Asked for proof to be mailed to me and he said they only have the 'current' info.  He did have my ss#, but I still denied it.  I found out that what they are doing with these calls is trying to get positive contact with you because that extends the life of the statute of limitations.  Any "positive contact" with the debtor is considered the last day of life of the debt.  So even by saying yes I'm aware of it- you've just made today the last contact.  Since I didn't admit anything, I'm hoping that is NOT considered "contact."  I've been researching this trying to find out what IS and what ISN'T legal.  On a $3000 debt, they are claiming they'll settle it for $1940.  But from what I'm reading this may be the worse thing u can do.  After 10yrs, it's a write-off, but there is more to it than that.  One has to check because the laws are different in every state.  Heres a good place to start:

http://preview.tinyurl.com/kreo4

I hope this can help some others.  These people are relentless and call very early and very late.  Be safe, do not give out any info, and do NOT even admit that you know what they are talking about.

I got a call on my cell phone in the afternoon.  I didn't recognize the number so didn't pick up.  The person left a voice mail saying she is Amy Snell and asked for someone I've never heard of.  She said to call back at 1-866-518-3731 saying it was an important business matter and also left a file reference number to use when calling back.  I'm on the national do not call list but doubt that makes a difference.  If they call again I'll let them know they have the wrong number.

dan olson called left a nasty message this is fraud  this is illegal and trying to collect money that is  not legal

lets all take action  get a attorney and sew this is illegal let us not let this person or persons get away with this illegal fraud

I've got to believe that this is not a collection agancy but actually an identity theft scam.  I was called about a credit card that expired so long ago that it doesn't appear on my credit report anymore.  Also when the caller was trying to prove that I was the person that he was trying to reach, he gave me an address that I haven't lived at for over 20 years.  More important, the credit card never had information for that address.  Talk to people at this number with much caution.

FRS - LVNV Funding
4900 Viking Dr
Edina,MN 55435
Uses numerous numbers to make harassing calls 1-866-304-0561/1-888-411-4672/1-877-475-4154/1-952-831-4800 and several others that are a call center mostly hang up calls, It's TAX Season and your eligible for a TAX break, people who won't identify company but keeps asking for personal info. Very deceptive debt collecting company.

This is MRS Associates.  one of America's worst collection agencies.

MRS Associates, Inc.
3 Executive Campus, #400
Cherry Hill, New Jersey 08002
1-877-508-6304
1-866-304-8566
1-866-304-0561

They use MANY different phone numbers and although they
appear to have a toll free outbound number block they use,
they purchase blocks to use local prefix routing ----
this means they will call you and it will appear to be a
local inbound call.

Web Address: www.mrsassociates.com 
Saul A. Freedman, Pres & CEO  saul1@mrsassociates.com
Jeff Freedman, VP & Partner  jeff@mrsassociates.com
Kelli Coia, Dir of Training/Development
Jill Sittineri, Incentives Mgr.

Their Corporate HQ to send Cease and desist letters to is:
3 Executive Campus, #400
Cherry Hill, New Jersey 08002

Full review here.

http://budhibbs.com/collectorpages/mrs_associates_inc.htm

Calls all the time - please make them stop!!!!

FRS Collection agency for comcast cable midwest area!

about the only thing that you can do is to change your telephone number.  i wish i had done so.if you tell the telephone company that you are recieving harrassing phone calls they may change it for free, if they wont, i would cancel the account and start up a new one.

set up a payment plan with steve shotek of frs. i am recieving harrassing phone calls before my bills are even due!!  he is refusing to mail me a bill of any kind (payment recieved, balance due ect. ect.)  is this legal??  i have 3 numbers that i have recieved from them.1-866-399-2448.  1-877-567-8396 and 1-877-288-9426.  any advice would be great

NO IT IS NOT -
But sounds like you did not handle it correctly to begin with.  
This debt is probably past Statute of limitations, making it legally uncollectable - you RE-AGED the debt by making payments

THIS IS A KNOWN FDCPA VIOLATOR - THEY DON'T HONOR ANY AGREEMENTS!

File complaints with
Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General

State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

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

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 – FAIR DEBT COLLECTION PRACTICES ACT
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.

Guy keeps calling me saying he has pulled my credit report and is trying to collect on an old Dept.....I dont think it is legal to touch or pull credit reports without knowledge or written concent.......