8665047548

These people called me today and told me they were going to take a wage assighnment for my husband on a bill that he has......MY HUSBAND has NEVER taken a loan with cash net accounts USA nor has he ever had open heart sergury...When I told the lady this she said..." You are trying to pertect your husband and he is lieing to you and doing things behind your back.." That PISSED ME OFF!!!!!!!!! My husband and I DO NOT keep things from eachother. I even told them that the social security number was NOT my husband's.I want people to know how these people work..... Is there anyone who can help???? I contacted my States Attorney and am waiting for a call back....

To quote Drake's post above:

No, they CANNOT! They are in violation of the FDCPA, which states:

§ 807.  False or misleading representations  [15 USC 1692e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f)
of this Act.

File a complaint against these goons with the FDCPA now and STAY OFF THE PHONE!!

https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

Tell them to stop contacting and harassing you or you'll sue them.  They are in violation of the FDCPA, which states:

§ 807.  False or misleading representations  [15 USC 1692e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f)
of this Act.

File a complaint against these goons with the FDCPA now and STAY OFF THE PHONE!!

https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

You need to also send them this Cease Communication letter. THEY HAVE TO VALIDATE THE DEBT THEY ARE DUNNING YOU ABOUT. THAT IS THE LAW!

Send it VIA Certified mail (with return receipt requested). If they continue harassing you and do not honor your request for validation, they can be fined up to $1,000.00 PER violation. Not only that, they get NOTHING.

As someone says on one of the consumer websites: "NO validation, NO Money, NO kidding!"

Good Luck!

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

this man called my job form this number and asked to speak directly to my supervisor. i just don't think that my business is my supervisor's business.

I filled the following complioant with the FTC, that is one of the best tools we have to eventuaqlly put a stop to these people:

As I was leaving work for the day on 04/16/2008 a Ms. Finch (she initially refused to identify herself) claimed to be from a company called PDM Associates representing LB Marketing.  She demanded that I had to immediately need to pay the total amount due to LB Marketing – I am represented by debt consolidation company – Langhorne Debt, violation of FDCA Sec.806 (6)) which they are well aware of and have worked with them in the past..  She was very belligerent, rude and nasty screaming at me that they (LB Marketing) had already taken me to court (violation of FDCA sec 807 (11) and (13) I NEVER received any notification).  I gave them Langhorne’s name and telephone number, within 5 minutes I was again called at work – this time she again was screaming at me that if I didn’t arrange with her NOW to repay the amount due,  that they would then immediately garnish my wages for the entire amount of $480 ( violation of FDCA sec. 807 (4).  However, if I settled right now with her, she would drop the price to $360.

She also claimed that she was acting under the FDCA section 906 – there is not such section in the FDCA!  She was belligerent the entire time, and threatening to garnish wages or worse which is a clear violation of the FDCA section 807 (4).  This woman needs to be stopped, and this business needs to be stopped.

A coworker of mine got a phone call here at work from a Rev. Charles Carter from a PDM company.  I am her supervisor and spoke with him...He requested our fax number which I gave to him.  He was stumbling all over his words when I started to ask him what this was in reference to with my co worker.  he gave me this number and told me to have her call him back.  Upon speaking to my coworker, he told her he was going to garnish her wages and speak to her supervisor.  When the man spoke to me, he mentioned nothing  to me about garnishing her wages.  She has excellent credit and has never even opened up a credit card account. THIS IS A SCAM TO TRY TO GET INFORMATION ON YOU!  Do not give out any of your personal information.

They can garnish your wages and do so without having to go through the courts because when you signed the agreements you agreed to exactly that in the contracts. Read them closely and you will see it's true.

They need a court order for employees to legally garnish the wages and to put it on your credit report.  The only people that can garnish without a court order is the Government.

I been paid this loan back!!! [***] these people/

This is a scam. They aren't even a collection agency , they make up phoney debts or re-address old or payed off debts to scare people into paying them. If this isn't the case, they are still calling on debts illegally.

Overall, this is nobody you should be giving money to, period, unless you like being scammed.

I've received a phone call from their 888-622-0222 number today; it was a pre-recorded voicemail message with filled-in names, asking for a "Richard Jackson" - whom I'm not. I proceed to call their number back and leave a message, however without an extension I am forced to use the general mailbox... which, lo and behold, turns out to be full!

So, I end up calling their 866 number from the initial post under this number. I end up leaving a message there (small miracle, the mailbox isn't full) stating who I am, what number I am calling from, the number used to deliver the first voicemail, and requesting that they either 1) remove me from any listing that they might have, or 2) contact me and inform me that the number used to contact me is fraudulent.

More to come on this tomorrow, as I'm stuck in the damned HST timezone.

Following up from yesterday; still the same mostly filled-in message from their 888 number. That's the third time that an inhuman representative has called my number asking for Richard Jackson. No response from the 866 number.

If anyone can offer advice on how to block calls from any of their known numbers, I'd appreciate it. I don't need my voicemail filling up with "robot messages" asking for people that don't exist and dropping a catch-22 that if I continue to listen to the message, I acknowledge I'm the guy they're trying to reach... and the last thing I want to end up doing is changing my number.

The issue appears to have been successfully closed; the only information exchanged was the phone number they contacted, my name and the name of the person they were trying to reach. I'll post again if this matter continues.

I filed a complaint with the FTC. They keep calling a business and we have never heard of this person before. Everytime they call they say they are something different. Today they said they were from a law firm!!! It thought it was very humorous. When we asked the woman to provide her bar number she just asked for ours. It is obvious from speaking with these people on the phone that they are uneducated and lie. I say to anyone who is getting phone calls at their home to ignore them and file as many complaints as you get phone calls.

paid them but now there are threatening to garnish my wages.

True, they can't garnish your wages. Most them will probably forget about you after a while. I'm 31 years old. Had a payday loan at age 20, never paid it.
I brought a house and cars based on my credit.
The payday loan never went on my credit and they never call, but maybe a couple of times calls stop after bout 6 mos.
A friend of a friend actually put my cell number down as a reference, Mr Carter I believe his name was. Very rude. It's not my problem, so I just cursed, screamed and yelled at him. Laughed and say nasty and crazy things to him. He always hangs up first. He will probably sue me for harassment.

Oh okay they make it all up how funny

MS Malina called and said she had to send paperwork to my employer and that it was urgent.

number 866-504-7548 ext 6

calls to my work number but I don't answer -- says its an important call to collect a debt