866-553-1950

this number called me. good luck looking for me, lol!

hey, you feed your family with the money you scam from people?  i pity you!

THE CONSUMER SITES ARE TELLING EVERYONE YOU ARE BREAKING LAWS -


What you are doing is ILLEGAL plain and simple- which means YOU ARE NOT COLLECTING VALID DEBT AND CANNOT PROVE ANYONE OWES ANYTHING..


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

maybe if paul germain is trying to get in touch with your mother....its important! one would think that if they are calling you its because they cannot get your mother on the phone to explain to her the situation....if i were you i would probably have her call in before things move foward

you god damn debtors...pays your bills or we will find you....you know hw we contact you relatives? we will start with them and find r way right to your doorstep...so whip out the checkbooks nd rolls of dough cuz the debt collecter is coming

"Jack Richards" called here, thinking that a facebook friend (who we barely know) is employed by us.
How funny!  They must be getting desperate. Guess what, so is the rest of the country with this economy.
He wanted me to forward a message to someone I barely know, so I wrote down his information, and after the call, I let the shredder chew on it.

Person called my sister in law', whom I very seldom see or talk to, and left his name "Adams Nix" and number 866-553-1950 ext 239. and asked her to give me his containformation.  It's ashamed that they result to calling relatives of the intended party in order to get pay check.  It seems the more they collect the better chance of them having a pay check.  However, they must remember, the intended party can file a LAW SUIT and make the collection company pay them.  So the supervisors of the collection agency should beware.

There are so many things wrong with this post, I don't even know where to start.  

1) If you don't update your information with the creditor, you don't get to complain about how a debt collector tries to contact you.

2) Clearly calling the sister in law you seldom speak to was a fantastic idea, you got the message, and instead of calling back, are complaining about debt collectors online.

3) What the hell is "containinformation"?

4) "It seems the more they collect the better chance of them having a pay check." The grammar is a bit shaky, but it seems you've got the right idea. Perhaps a commission based job would be perfect to help you pay your debt?

5) In order to file a LAW SUIT, you would need a LEGITIMATE reason to do so. Unfortunately for you, contacting third parties to obtain location information for you is 100% A-OK, but nice try.

I actually used to work for CR Systems. I've read these posts and been entertained by both sides of the argument. Bottom line is this.

The tactics used by CR Systems may be unacceptable behavior to people, but unfortunately what they do (and what I used to do) is perfectly legal. Maybe not moral, but legal. The FDCPA does allow collection agencys to contact 3rd parties in order to acertain your current whereabouts and contact info. These calls can be annoying to a debtor's relatives and friends, but again they are completely legal. Once a 3rd party has been contacted once though, they are not supposed to be contacted again. The reason why they may be contacted is because their info was found through a process known as skip tracing. Depending on how skilled the collector is, they can find old friends, relatives and even roommates with no relation. All of this is legal and completely above board. Skip tracing is not a perfect science, so sometimes mistakes are made and we contact the wrong people. It is usual not the intention of the collector to harrass or annoy anybody, but what you also have to understand is that we spend many hours a week being lied to. Many people screen calls and enable debtors. They think they are doing something good for their friend or relative, but infact they are doing them a dis-service. That's not bill collector rhetoric. That's just honest truth. No good comes from ignoring a valid debt or even ignoring an invalid one that someone truly believes you owe. I can honestly say that CRS is not a "scam artist". They truly are a valid collection agency, and only go after debts they believe are valid and have paperwork to back up.

From the other side of the argument though, I can understand how frustrating it must be when you are contacted in error and you either don't know the person, or haven't spoken to them in years. At the end of the day, the collectors are trying to do their job. And just like at your places of employment, some of them are better at their jobs than others. We do the best we can to try to contact the guy who legitimately owes money.

Also understand that if you are getting a call, it's because we have tried and failed to contact the debtor directly. We do send out 4 letters before any calls are made. Most people probably throw them away thinking it is junk mail without ever reading it. The letter come in a plain, non-descript envelpope, which is required by law. We can't put a company logo on it, because anyone who saw it would know it was a communication from a debt collector and that would be a violation of the FDCPA and the debtor's right to privacy. To the people who say your number is listed, it probably is. And the debt collector has probably tried to reach you at that number. And, with all due respect, you've probably never called them back. so that forces them to try an alternate method of contacting you. It's not the nicest thing in the workd to experience, but what other options are left? I know you'd prefer that the debt just go away, but that is not a realistic expectation. As long as you owe the money, the collector is going to try to contact you.

Most collectors are reasonable human beings. If you are honest with them and try to work something out, most of them will try to work with you. Just remember that we have seen your credit report and most times have a pretty good handle on your financial situation. So when you say I will pay $5 a month, we know you can afford more than that and you're just trying to blow us off. Make an HONEST effort to resolve your debts, and the collector will try to work with you.

I understand the underlying reasons behind all of this behavior. Being in debt is, for most people, an embarrassing situation. No one likes to admit to not being able to pay their bills, especially to a complete stranger. But ignoring the situation is certainly not going to help either. One earlier post said not to let debt define you. That is right. Owing money doesn't make you a bad person. It makes you a pretty normal person. The only way to deal with it is to face it head on.

Rant over

Guess what wise guy....You tell these people to prove your number was left as a contact number for a relative or someone else, they won't call again.  They do searches to find relatives of people who owe money.  I get calls for someone who lives in another state.  I call them back and tell them they are well aware that person does not live at this number and DON'T CALL BACK.  I work and pay my bills.  The people who don't respond or pay their bills are the ones at fault.  I realize this is their job but don't lie to me by saying someone left my number as a contact number.  They don't have all the rights!!!!!

Got a call from these fools, very vague, acting like it was so important to call.  So, for kicks I call.  They claim to be so honest, but when you ask them to put the info in writing they whine, and tell me that it will stay on my credit forever, and blah blah blah.

well, if you can't document anything, you are a fraud.  A simple dispute letter to the credit reporting agencies will end that.  If they can't document anything, it will simply get deleted.

What is awesome is all the names they use are fake and its so obvious.  Also like how they grandstand on this board pretending to be others.  too funny.

I love how people call us loser when its you who owe money, i work for a living and pay my bills so how am i a loser. Your the idiot who thinks his debt is gunna magicly disappear. So when your standing in court looking like a dumbass im gunna be chillin at my job. When the IRS levies your house and all your assets im the one who is going to be laughing at these loser. PAY YOUR BILLS AND WE WONT CALL HAHAHAHAHAHAHAHAHA

I got the same call from Scott Vincent, with CR Systems, he wanted me to contact my tenant & relay his phone # to him. ( 866-553-1950 )
He new I owned the house that he rents from me & the address, so I told him to send him a letter & to leave me out of any of his business & that I would not relay the info.
He did not like my answer & got snippy with me & hung up on me so I called them back told him to Kiss My( fill in the blank ) & not to ever call me again.
I guess they do not want to send certifed mail to located people who may or may not have an outstanding debts

This number left a message for me at my brothers house. The name he used was John Rossi.

Hey big man, try spell check and we may have more respect for the things you say. Also might I suggest using words that are actually a part of the English language?

in death his name is robert paulson

John Rossi  is not his real name he is part owner of the company his real name is Mark