866-482-9910

redline recovery called me.

I have received calls from this # for weeks. I finally have a name of Karen at ext 4959 and have repeatedly ask them to quit calling as the person they are asking for is not known at my #.  They do not get the message and continue to call.  I am going to block their # next but I do know they call from lots of different #s.

I just got a call today from them. Caller ID just says "Toll Free" and they did not leave a message. Thanks to all for listing your experience - it helps!

Well, I have callier ID and when I see a # I don't know I don't answer it or even out of area.

called saying they were a debt collector, then went on to say they could possiably reduce my monthly pmt. Left phone no and their web sight. Will guess what I do not have any debt that is a monthly pmt. so how in the world could they help me.

Redline Recovery Services, LLC

Aka  ULQ, LLC
(May appear on Caller ID as Netwolves Network)
1145 Sanctuary Parkway, Suite 350 (corporate)
Alpharetta, GA 30004
770-885-4050

2350 North Forest Rd
Getzville, NY 14068
COMPLAINTS HERE (NY Office)


6201 Bonhomme St. Suite 100 S
Houston, TX 77036
713-423-1020

Phone: 716-276-2492 - 866-316-3248 or 888-488-6762
716-250-4800 - 716-250-4827 - 800-592-0230
Fax: 716-250-5015 - 716-250-4890

Web Address: www.ulq-llc.com 

Head Debt Collectors:

Michael Fletcher is the CEO of ULQ

Howard Gibbs is the CFO of ULQ

Joe Moran, President, Redline, New York

John Powers, President, Redline, Houston

 

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

Bud Says                         Consumer Comments Below

All of the owners in this organization came from various other debt collector back grounds from across the country. They jumped on the debt buying frenzy a few years ago to cash in on the endless flow of cheap, purchased paper. Their main call center is located in Buffalo, NY, run by Joe Moran, a  man with a terrible reputation in the collection industry, earning him the nickname of ‘Sleazy Joe.’ The information received from current and former employees from Buffalo was of rampant drug use and a complete disregard for the FDCPA by the Buffalo collectors. Of course all bottom feeders would like you to believe they are honest, reputable and operate in a business like fashion, however Redline never even made it out of the gate. They were tattooed with labels that befit most of the disgusting low-life organizations that operated in and around Buffalo, NY for the past few years.

I predict that Redline will downsize greatly by year end, that the available paper will force them to rethink and reinvent, if they plan to survive. Their name and reputation will likely have a negative effect on their abilities to procure more business and they may end becoming a subsidiary of another organization or collecting other owner’s debts for a fraction of what they are now earning.

Redline has seen its bets days; the year ahead will be lean and problematic. Consumers are urged to make them spend as much money as possible in debt validation, forms and calls.

Dispute anything/everything on credit reports, tape their calls, and go after them with the full force of the consumer law industry. They are not that strong, or won’t be as time goes on; this organization is too fat and thinks they are entrenched in an industry that is moving at warp speed. I would NOT pick Redline as a survivor in this game.

Redline can be beat at their own game, contact me for assistance in dealing with them or if they appear on your credit files.

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.  

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 VIOLATOR 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
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.

Red Line Recovery (using the 866-482-9910) number are now calling as Purcell Debt Recovery.  I have no outstanding debts and they are calling for someone not at this address.  The call came at 8am on a working day, and no question they are a totally unprofessional organization.  Loud laughing, yelling, bad language in the background.  What I cannot understand is how they continue to survive with all the complaints regarding them.  The information below indicates they will not last, I question that considering they are opening offices in various locations.

Watch out for their new name, which actually is a company in OK that reduces debts.

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

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.

What i would like to know is how you can tell the difence between a legal one and a scam

The company calls day in and day out on my office phone number.  I told the live operator a while back that this is a Government line for Official Government use only, and that there is no record of a person by that name ever working in this office.  Now they use the automated recording which gives the company phone number and web site, and claims that this is a legitimate call to resolve a debt and then starts the sales pitch.  Complaints have been filed against them via Federal Trade Commission.

Redline Recovery. Called to pay a settlement amount for my ex and needed to know pay methods for online payments? The first gentleman was nice but had no clue as to online payment methods, after a bit another gentlman picked up the phone. I could hardly understand him, it had to be spitting in the phone with his loud obnoxious voice. He said his name is Dan Mills and asked if I got his messages? Of course I didn't I simply needed to pay for someone else. He asked was I calling about ac#.....for ????, I said yes, but I just need to pay it for them... what's th emount? That's not the amount he owes???? He wa so obnoxious I hung up on him and did not pay it..As indicated that was not the amount settled for.. So they settled for 000

Called back and someone named Jessica answered I asked about pay methods online? She said are you Mrs. ??? I said this is a general question.. Should I be?? She also did not know pay methods. Put me through to someone else. They were not helpful as well.
You would think this collection agency would at least include online pay options as part of theri training so they may be paid. But obviously they don't.

In the United States, collection agencies such as CREDIT ACCEPTANCE operate both outside of the law. They call random people on the telephone asking to speak to total strangers that the people have never heard of before. The goal is to find someone that is willing to send money in order to stop the calls. Once such a victim is found, he or she is milked for more and more money. Note that the National "Do Not Call" Registry is ignored by collection agencies.

Collection agencies employ the old call-and-hang-up routine as well as prerecorded messages with threatening or intimidating words or tone of voice. They are also known to use a variety of phone numbers in order to defeat per-line call blocking. They may even use an unidentified name and number. To stop the latter, the phone company offers a free feature known as "anonymous call blocking".

I have learned a few techniques which may be useful to other victims. You must be an innocent victim, i.e. you never had any business with the collection agency in question. This was true for me. I have been harassed for over four years by an assortment of collection agencies asking to speak to about two or three different names, all of which are complete strangers to me.

First stop: http://www.ftc.gov/bcp/consumer.shtm the Federal Trade Commission</a>. Call them at 1-877-382-4357 or visit them online at https://www.ftccomplaintassistant.gov/ I spoke with a pleasant person on Friday morning who was most helpful. The wait was not long at all, and the entire call took about five minutes at most. I wish I could say I was optimistic about the outcome, but I have filed complaints with the FTC before, to no avail. The calls stop for a few months, but then resume. But at least it's something, and at least the calls stop for a few months.

Second stop: http://www.bbb.org the Better Business Bureau</a>. File a complaint against the business. In order to do this, it helps to have the zip code of the company question. If you don't have the zip code, you may need to speak with a customer service representative (CSR) who can locate that information for you.

Third stop: the Consumer Protection Hotline. There is a different one servicing each state. Locate the one in your state and file a complaint.

Fourth stop: Your local computer store. Purchase a computer modem, hook it up to your computer, and set it up to autodial the collection agency. Be sure to configure your modem to remain on the line until the phone is answered and a human speaks. Ideally, do not hang up until the person hangs up. Cost of the modem is minimal, but you will need some kind of terminal program such as Telix 3.11, which is still available for download. There also used to be a terminal program called ProComm. Either would suffice for the purpose.

Fifth stop: the company's web site. If the Collection Agency has identified itself in any way, then you may research the company. Find their email addresses, toll-free phone numbers, and fax numbers. These may be useful in a variety of ways. Be creative!

Sixth stop: the company's physical location. If you are nearby, why not stop by and let them know how you feel? It is always refreshing to talk to people in person.

Seventh stop: once you find out the full names of the employees of the company, you can begin researching where they live. The Internet offers you the phone numbers of anyone, anywhere, for a price. Once you find their personal home phone numbers, you can begin calling them and hanging up, just like they are doing to you. It may cause them to reevaluate their particular choice of career.

LOL I just called them back a hundred times! NOW THAT IS SATISFACTION! A human voice answered each time too. They sounded distressed. Good.

I Love that !!!!!  Since it is a toll free number, they have to pay for it !
A debt collector called me looking for my ex husband.  They told me if I didn't cooperate they could have me arrested.  I filed a complaint with the District Attorney and BBB, then hired an attorney, sued them and won !  They never paid up so I turned it over to another debt collector.

BBB doesn't do anything except send them a note asking them to please stop. They also share all your information with the company. And if the company refuses, BBB does nothing. So BBB is worthless for the consumer. BBB is just a tool of the businesses. It is not set up to protect citizens. I suspect all the other branches of government are the same way. They are intended to protect the business, not the consumer.

I still think dropping by the Credit Acceptance HQ and having fun w/ the employees is the best bet. I like to play "dodge the SUV" with them. I'm in the SUV, they're screaming and running for their worthless lives.

calling about services.  I have no outstanding debt.  I have debt but it is payed on time every month.  I have no idea why they keep calling me.

A Redline Collector lets off Steam...

I would like to take a moment to discuss Redline Recovery. I'm embarrassed to say I am a current employee. I read all the comments and they couldn't be more true. I hate my job and the jerks I work for. The lies, drugs and sex stories others have reported are all true. Joe Moran is an ass. Jim Saur (sour) is a hypocrite. On any given day you will see the managers lying to people, telling us to lie or to "do what ever it takes". They treat the people we are collecting from like low life scum just because they cannot keep up with their bills. In reality they are the scum. Take Jim Saur for example, he thinks its' funny that he has a wife and a girlfriend with the same name "Rachel". He is a crooked collector and a cheater. He even cheats on his girlfriend! He tried to get with me, get real he has no morals and he's ugly. I know these guys read your website daily and I hope they like seeing the truth being told once again. I hope Jim's wife (the other Rachel) reads this. He's a cheat now and always will be. Don't believe a word he says honey!! As for the drugs, I think I work in the hood. You want it, we have it just visit the parking lot. All the managers are either popping painkillers or snorting coke. Yes, during work hours. This is one of the reasons they can bully people on the phone. They love to tell stories of people they make cry. If Redline Recovery calls you, HANG UP!

Interesting.  they called me and i have only had the phone number for 1 week and never gave it out.  idiots.

These clowns keep calling me using this or their 888-542-6792 number.  They are looking for someone else.  I know that only because the last time they called, some guy with the last name Washington left a message on the answering machine, looking for a woman with the last name Johnson (my last name not even close).  Usually, they just hang up.   I have lived here for 10 years, and have had my phone number for going on 13 years.  Either their lackeys are incapable of dialing a phone number correctly, or somebody gave them a wrong number.  You'd think they'd call the phone company to verify whose number they have been calling.   Next time they call, I am threatening legal action.