866-350-3235

Got a call from them as well regarding whether they would come and try to serve me. The caller said her name was Mary Lloyd from the County Clerk Process Service Division. Knowing how these people operate, I'm sure it was BS.

I got a call from these people as well the persons name was monica matthew. She left this phone number to call back 1866-350-3235. However on my caller id it showed up as unavailable or private.

I have received 3 calls from these people as well. The persons names were Mary LLoyd and (two calls) and Vamessa Samdoval. They all left this phone number to call back 1866-350-3235 with a different case, but similar # each time. However on my caller id it showed up as unavailable or private.

I received a phone call today with that same number 800-350-3235. A message was left by a Lauren ext 4928 that it was very important to call her back within 24 hours, also left a case no. I have already faxed and mailed a cease letter. I was told I could go ahead and sue since this company was aware I could only be notified by mail. Also this company has so many complaints. Don't be fooled or scared because they operate illegally they can't collect any money either.

I got this same call on my cell phone. They won't tel me what the debt is for or any information. Do you have an address where I can send a cease letter?

Got a message on 6/8/09 from them regarding they would come and try to serve me. The caller said her name was Mary Lloyd from the County Clerk Process Service Division. They would make 3 attempts to come out to home address. They allow 3 hours to contact the office. If not heard from us, they will continue process serving. However, I have not listened to the message until 1 week after the call. They also left the 866-350-3235 call back # and a case #. When I called, it indicated Western Capital Group, since it was out of their working hours, no one answered and I did not leave a message. Now I checked the caller ID from my past phone records. I have got several 'Out of Area' calls before and after that date, but not sure if they all come from the same source. But that was the only message we got.

I would be leary of this company. They have been trying to serve me papers on the East Coast (I live on the West Coast) to a person they say is my ex-husband (don't have one) but dated over 15 years ago. I called and spoke with a Marvin Smith and he gave me the plaintiff name and told me a court date and the court name. Called the court and they have no case in my name at all. I have called all the courts for my state and California and no case exists. I wonder if they are buying write-offs or debts included in BK's and trying to collect. He told me they were a litigation firm. The number I was told to call back was 866-350-3235.

I got the same...multiple times, and now different people... Mary Lloyd, Christian or Christopher Ramirez. Just got the 3 hour thing.  So EB, just wondering...did anything ever come of it?  Did you ever get served anything?  Just trying to see if I even need to bother calling back.

i recieved the same message on my cell #, they gave me 3hrs to get back with them or someone would be at my house to serve papers between 9a and 4p. showed as private call. When i called back a man answered the phone and then transferred me to a woman named "nicole". she told me i had a credit card debt of 2248.00. she wanted my checking acct info and then asked for a credit card #. i said no, and then she started to reduce amt i needed to pay to 1700. then 800. then 4 payments of 200.00. i told her no, and then found this web site today.

It's from a company called Western Capital Group. The main number is 951-837-4921. They threaten you, you can make a complaint.

I got a call from this number is her name was mary as well. She said that is she did not here from me bu 4:00 today she would contact my employer for asset verification. When i call the number on my caller ID (951-837-4921) the lasy said that it could a anything from a personal claim to she could not say. when I called back to get the name of the company she told me it was WCG, when i asked what it stood for she said hold on but never came back on. when i called back it said Western Capital Group.You can't block your number when you try to call back. When you look up the compnay it has many complaints and tell you how to file a complaint. Good luck.

I have gotten 3 or 4 phone calls from "Mary Lloyd" over the course of the past two weeks - always during the daytime when I am at work.  She always leaves messages that she got my phone number from the county courthouse and she was calling to let me know that there was a hearing on a matter that I have been named a party to occuring THIS week and that this was the last attempt to serve me with the appropriate papers for that hearing and that I will be regarded as "unserved" on the record.  I almost had a little interest conjured up until she stated the matter had to do with me and my husband - but referred to my husband with his correct first name but with MY maiden name as his last name.  That is when I knew this was just a bill collector from some old matter (since I am current on EVERYTHING for last 6 years) so I just deleted the message and the caller ID.

My daughter(14 yrs. old) received a call from these people on our home phone while I was at work.  They told her the story about serving me and that there were police on the way to our house.  My daughter called me at work very upset.  When I called back they were very RUDE.  When I said someone from there had called a Mr. Anthony Brown kept saying that it wasn't someone from their office but a County Officer that had called but yet they left the name of Nicole Taylor and this number to call back. He stated that they had filed a Judgment against me on Radio Shack's behalf and that they would be able to interceed any Income tax return I was entitled to in the future.   I stupidly got flustered and thought I was settling an old debt and dealing with a "Real" law firm and gave them $200.00 towards the old debt.  I have since read this and now had to cancel my check card and am going to file a complaint.

With whom can I file the complaint with?

Just recieved a call from these same folks.  They left a message on my phone from a "Lauren".  She stated that the call was for me or my wife.  My wife and I have been divorced for four years now and the phone number they contacted me at isn't even in my name.  "Lauren" also stated that if I did not call back within the next 24 hours the "litigation against me" would be turned over to their fraud unit.  The call back number was 1-866-350-3235 ext. 4928.  LOL.  The caller ID number was 1-951-837-4928 out of Murrieta, California.  I'll post again if I recieve anymore calls.

Western Capital Financial
Robert Paisola

Western Capital Financial Services, Inc.
Utah Operations Center 63 East 11400 South
Building 221
Sandy, Utah 84070
Direct: 801-619-4700  Fax: 408-889-2415
Toll Free: 1-877-517-9555
Web: www.MyCollector.com
Email: support@mycollector.com

Robert Paisola was convicted of possession of  
CHILD PORNOGRAPHY
http://www.kscourts.org/ca10/cases/2003/08/02-4129.htm

MUST READ FROM CONMAN.COM
and more from Scam.com

   


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

Bud Says                         Consumer Comments Below

We've asked Western Capital on numerous occasions to stop using material from our copyrighted site and trying to delude the public into believing we are somehow in alliance with this scammer.  He has ignored all our requests and so we feel it important to establish for ourselves our complete and total independence.  Paisola uses our material without permission or endorsement in violation of Federal and international copyright laws.  It's ironic he steals and posts pages that expose him, but apparently he's too busy scamming to read what he steals.

DO NOT DO BUSINESS with this scam operation.

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.



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

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/start.html


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

Western Capital Financial
Robert Paisola

Western Capital Financial Services, Inc.
Utah Operations Center 63 East 11400 South
Building 221
Sandy, Utah 84070
Direct: 801-619-4700  Fax: 408-889-2415
Toll Free: 1-877-517-9555
Web: www.MyCollector.com
Email: support@mycollector.com

Robert Paisola was convicted of possession of  
CHILD PORNOGRAPHY
http://www.kscourts.org/ca10/cases/2003/08/02-4129.htm

MUST READ FROM CONMAN.COM
and more from Scam.com

 


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

Bud Says                         Consumer Comments Below

We've asked Western Capital on numerous occasions to stop using material from our copyrighted site and trying to delude the public into believing we are somehow in alliance with this scammer.  He has ignored all our requests and so we feel it important to establish for ourselves our complete and total independence.  Paisola uses our material without permission or endorsement in violation of Federal and international copyright laws.  It's ironic he steals and posts pages that expose him, but apparently he's too busy scamming to read what he steals.

DO NOT DO BUSINESS with this scam operation.

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.



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

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/start.html


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

Wow.
just a FYI. I received a call from the same number every one is question. and because i had come to this website first i thought not to pay the call no attention. well, surprisingly i was served with court documents and now have a judgment where they are garnishing 25% of my wages. I later found out that there are several companies named Western Capitol group. I just assumed that because i read all of the complaints on this site that it was the same one. after further research I found out that they were not the same company as the western capitol as Western Capital Financial Robert Paisola. I hope that you all do your research before assuming as I did that the company was the same as what every one else was reporting. now they will not work with me because they tried to resolve it before and 500.00 is being taken out of each one of my checks until feb 2010. I do admit that it was my debt, but i just assumed that if i ignored the calls that it would go away. I am a single mom and just did not want to take the little i left over to pay on something that i didnt have the ability to use anymore. I have been working really hard for the last couple of years on trying to be more responsible for what I do. I just didnt want to take care of the old responsiblities that i obligated myself to. Just a word of advise, I always believed in reaping what you sow. and even though im trying to be this changed person, if you ever sowed untruthful things you will later reap them. so im not trying to tell everyone else what to do because i still have a lot to work on but i am trying. If you made the bill you should pay it, we did give them our word and signed for the cards that we will pay. our world is in a crisis not just use. and if we dont take care of what we are responsible it will not get any better. They are banks and if they dont go after those who owe them, then they will be like us. and the lending in the world will not get better. well sorry so long just thought that i would revisit the sight and let every one know. Good luck

I know you are trying to help, but this is not the same company that everyone else is reporting

I also got a call from Marvin Smith.  Same story - They called to say I was being served - if I called back, they would hold off.  They still have not allowed me to see any documents - other than a settlement agreement they keep promising to send.

Based on what others have said, I think they are picking up old, charged off (in BK) files and hoping to collect.  I will post more as I learn more.

Oh, and the settlement agreement has an address of a post office box, and their website is just a parked godaddy page.