866-304-7249

Got a call from 8663047249 ext 423 saying they have received papers from the attorney, will be seeking employment verification. Never received anything from these people through the mail. Call at the right time you can hear a full conversation about someone's business.  Just mute your phone!

Got a call from 8663047249 ext 423 saying they have received papers from the attorney, will be seeking employment verification. Never received anything from these people through the mail. Call at the right time you can hear a full conversation about someone's business.  Just mute your phone!

Got a call from 8663047249 ext 423 saying they have received papers from the attorney, will be seeking employment verification. Never received anything from these people through the mail. Call at the right time you can hear a full conversation about someone's business.  Just mute your phone!

Got a call from 8663047249 ext 423 saying they have received papers from the attorney, will be seeking employment verification. Never received anything from these people through the mail. Call at the right time you can hear a full conversation about someone's business.  Just mute your phone!

Got a call with message left for me to call back at this 866-304-7249, regarding my case, and they gave some number.  I didn't return their call.

Received a message telling me it was urgent to return a call. He said it wasn't a sales call. He said to call 18663607249 and use case # 133615. I called the number it a recording said it had been changed. Looked the company up on line. It was one of the 1st ones and the guy gave me the wrong number. If he does not know what his company number is then it is a crap call. Don't give them the time of day. They will tell you things like we will serve you at work and they can't or take your vehicle. Mine was leased so I don't think the bank would aloud it, lol. Just ignore they will go away.

This sounds alot like the calls from Jamaica we were getting - they call at least once a day and make little or no sence - their number appears on the caller ID, DON'T CALL BACK.  The Jamaica number charged a flat rate fee of $2000 for making the call which would appear on your phone bill.  This 866 number is in Canada - like the Jamaica number - outside US Law.  They are not required to inform you that there is a set fee for calling the number.  This is obviously a scam and I find that the number of posts on this site explaining how people called the number back may be actually posted by them to get people to do just that.  again - DO NOT CALL BACK - when you see the 866 area code on your phone just answer and hangup disconnecting the call.  Do not engae them - do not ever say hello. Once they realize they're getting no wherre they stop.

Really N.N.?  What if they decide to make an example?

THESE PEOPLE EVEN CALLED MY EX HUSBAND REFERING TO ME AS HIS SISTER
I DONT EVEN KNOW HOW THEY GOT HIS NUMBER I DONT EVEN HAVE IT

The only one making an example will be Andrew Cuomo when he shuts your illegal operation down....LMAO

THEY ARE AN ILLEGAL DEBT COLLECTOR - NOT LICENSED ANY WHERE!  This MEANS they cannot mail or call you at ALL!

ALSO  means THEY CANNOT FILE LAWSUITS either.  If not licensed to COLLECT in YOUR STATE, they are operating ILLEGALLY and cannot file lawsuits even with a LOCAL attorney. report them to the NY ATTORNEY GENERAL ASAP

– 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!



National Credit Works, Inc.  
3719 Union Road
Tonawanda, New York, 14225
--------------------------------------------------------------------------------
Phone No.  866-618-5731 716-684-8183 716-837-2542  
Fax 716-684-8185  

Gregory G. Emminger, CEO

No license or bond found. Complaints of FDCPA violations. BBB rating -F-. Serail FDCPA violators, threaten legal actions.

Many lawsuits, they are DEAD BEATS who don't pay their judgments.

They tell consumers the following: charging me with Anticipatory Breach of a Legal and Binding Unilateral Contract and Fraud with Maliciousintent to defraud a Financial Institute. (Good chance they don't drug test anyone there.)


THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

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

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

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

I keep getting called from this number even though the debt was in bankruptcy.  Even my attorney's contact ghas not stopped them.

they are an illegal outfit from NY.  Don't give them the time of day. . . heck don't even answer the phone.
MOST of all don't give them you banking info!!  They are trying to collect on old debts most of which are past the statute of limitations (see your state).  They buy those "old" debts for penny's on the dollar and then try to scam you into paying either all of it. . .or some of it.  Don't fall for it!

What are you talking about?

Who is that? and why is it funny?

I called there and they gave me everything I asked for including my loan application.  You posted alot of information that doesn't apply to my situation with them.  I guess I am in this situation because I believed everything I read on the internet.  

You posted this statement:
'legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action'

What if they do?  will you cover my costs?

I just received a call from this number as well. I was not sure about the company so I researched the information they were giving me. I contacted the company that I had a previous balance with just to verify. The rep gave me the information of the collection agency that they had sent it to just to be sure it was not some other company/person trying to scam me. I did indeed have a balance and the company was legit.

NICE TRY TROLL

I gave you the information you needed to know to PROTECT yourself

troll

Original creditors DO NOT WORK WITH UNLICENSED DEBT COLLECTORS!

I also contacted the SCC and they are legit.  What do you mean unlicensed? and the BBB gave them a C+ rating.