866-304-0566

Keep getting unwanted calls from this number.  This same jerk AKA "Dan" or "Dave" always calls me on my cell phone when I am either driving or in the middle of doing something.  Said he is from the "Federal Recovery System". I do not owe anyone any money and I do not want to talk to this idiot or any other collection maggot!  I worked hard to get my past credit report repaired.  I do not know what kind of scam that this is, but it sounds like a jerk outfit that is trying to resurrect old "Zombie Debts".

No message

Call several times in a row for someone that doesn't live here. Called back and told them.  they didn't seem to beleive me.

Get calls at least once a week from these people. If this is FRS, they are also calling me with this number 888-905-7253

I got the same thing except it was Hi this is Julie can I help you?

This  confidential  and  important  message  meant  solely  for  xxxx,  My  name  is  Chris  Larson.  If  you're  not.  xxxxx  do  not  listen  to  this  message.  There  will  be  a  short  pause  you  for  the  remainder  of  this  message.  This  is  a  tax  refund.  Susan  we're  making  attractive  offers  to  settle  accounts  you  are  eligible  for  this  offer  law  requires  I  notify.  I'm  calling  with  financial  Recovery  Services,  a  debt  collection  company.  This  is  an  attempt  to  collect  the  debt.  Any  information  is  used  for  that  purpose  return  the  phone  call  here  right  away.  At  (866) 460-1335  Refer  to  case  number.  xxxx  phone  number  here  again  (866) 460-1335  the  settlements  are  subject  to  change  it  any  time.  Mister  xxxx  you  return  the  phone  call  right  away,  law  requires  I  notify.  I'm  calling  with  finance  Recovery  Services,  a  debt  collection  company.  This  is  an  attempt  to  collect  a  debt.  Any  information  is  for  that  purpose.  Again  (866) 460-1335.

READ DEALING WITH DEBT COLLECTORS, STATUTE OF LIMITATIONS AND RECORDING CALLS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU!


Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/First.htm
    
Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
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.
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
February 2009

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

Thanks to one of the nice folks who posted above, I went on the site for Financial Recovery Services - http://www.fin-rec.com/
(it is not  MRS - phone number is off by one digit)
and if you click on the red phone in the middle of the page, it brings you to an email form (evidently the
Master Number isn't important - make one up....)
I have a common last name, and my phone book listing is by first initial, so I get these a lot.
I explained them that whoever they're looking for, it's not me, and if I hear from them again, I'll contact the MN Attorney General's office..... and I will follow through on that threat.

(thank you to everyone who took the time to post helpful info - nice to have a way to fight back!)

Called cell and work numbers, hung up without leaving message on both. I owe money on so many credit cards that I have no idea who they're working for. All I know is they can either file suit or else keep calling until the Apocalypse. One of those options will get them paid, the other won't.

Debt collector.  Called me back to back from another number 866-304-0561.  This is annoying.  I owe nothing.  It's a scam...someone needs to stop these jerks.

Please quit calling 330-372-6562, we are not your intended party. You will be reported to the police if these calls persist.

I dont answer calles that have a 866 number so it is pointless for them to call me!

It is a collection agency for sure?

I have answered this call once before by accident and the company stated that I owed them $14.86 from a jewelry store that went out of business in 1992.  I asked the guy if he was crazy he said no "why".  I said what the hell $14.86 you really want me to pay this and he then got nasty with me about this he says that this is my debt and I am a dead bead and need to pay my bills. I then stated that there is a staute of limitation on a debt and he said that he can call me everyday for the rest of my life,  I then hung up and have gotten calls from this number 5 times a day 7 days a week for the past 4 months with no messages.

This number keeps calling my work I have told the 3 times to stop calling my work number, but they never stop

A female by the name of Victoria Johnson calls and says she is looking for a relative and they give the name who they are trying to contact and a case number They say it is for a collection. They somehow get phone numbers of different family members and she then calls them saying you gave them the numbers and says other family members can help. They hope to get people stupid enough to give out info. Then they get family members feuding. I in turn kept calling back to see how she feels about harassment

Thanks so much Lamet!!! Very helpful information. When I received a call from this number I missed it so I called back. A lady named "Sue" picked up the phone and I asked if this was FedEx and she said "no what number are you calling from" then she said hold one and repeated my number to me...then she said hold on and transfered me. The phone rings again and goes to voicemail of a male voice. I hung up. Regardless now I read the consumber laws of my state and am prepared to fight when they call again!

1-866-304-0566 called my office and it quickly became a harassing phone call under false guises that they were looking for business development. they insisted we had an employee by that name and she continued to berate me when i tried to assist her. she refused to tell me what she wanted and it was by far the rudest phone call i've ever had, to the point it was the first person i've ever hung up on.

This number 866-3-4-566 calls repeatedly, doesn't leave a message. When I call back they answer with ehllo for calling (unitelligable name) and put me on hold.

This number calls repeatedly. when I call it back they answer "thank you for calling [unintelligable name] how can I help you. tell them they have been calling me and they put my on hold -- I just hang up at that point.