866-595-9776

I got a letter in the mail from this company.  I kind of forgot about my bill so I called and asked them some questions.  They were real nice surprisingly and gave me a payment plan.  Overall good experience talked to a manager frank

Uh-huh. You "forgot about" a bill, paid without question, and give thanks and praise to a particular collections rep. Remind me to look you up next time I'm short a few hundred dollars. Apparently you'll pay anything asked of you. Or do you answer "Frank here" when your phone rings?

Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Many are simple to exercise if you only learn how. You are granted control of how you are contacted, the right to dispute debt claims, and the means to sue violators at low cost. The FTC and the CFPB can start you on your homework. See also if your state laws grant additional or stronger rights.

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB Q&A on debt collection practices
http://www.consumerfinance.gov/askcfpb/search ... bt%20Collection

Resident47 ... your credit report is a testimony to your integrity... or apparently in your case, lack thereof.  The only reason anyone views this particular website is if they received a letter or call from this company.  You clearly received a notification of some sort.  Companies don't pick names out of a hat and notify these "phantom" names requesting random amounts for random creditors.  There is a legitimate reason you googled this number and your negativity reflects a lack of character.  If you have a qualm with a telephone call or notification, simply contact the company and request to have your number removed.  Sometimes a simple request yields the best results.  Thank you for your time and anticipated cooperation.

'Consumer Debt Is Crippling the Economy'
August 10, 2012

"The biggest challenges of debt come when loans are taken out irresponsibly (like no income, no job mortgages), when money is borrowed for consumption rather than investment (like excessive credit card debt)."

Mr.48- you are wrong. What do you think everyone is complaining about? YES - These companies are calling names pulled out of a hat. Don't you watch, or read, the news? The debts are fake. It is 3rd world scammers, using voip, calling to collect on fake debts. Also, do you really believe that if you call an illegal telemarketer they will remove your name from their calling list? They will sell it! Before posting comments, I strongly suggest you do some reading on this forum.

Yes. Now - what about 3rd world con artists calling to collect on fake debts?

Another good try by a starving fraudster. Keep trying though. We all enjoy a good belly-laugh.
You're here because you can't stand the fact that people are becoming more and more aware of your fraudulent tactics. The public is becoming educated as to their rights. And bogus/fraudulent outfits are feeling it. It's hitting them right in their wallets. The ploys they've been using for years are failing.
Their success has hinged on people in debt. Without people in debt the debt collection industry collapses. This joker knows that. He couldn't care less about the national economy. The only economy he cares about is his own. When people aren't falling for illegal collection practices, his economic situation goes straight down the drain.
It's very simple. Educate yourself as to your rights. Demand proof of any claims in writing, to be mailed to you. Not e-mail or fax. Record all your calls and save all your VMs. Inform all debt collectors that you are doing so. Miraculously the majority of debt collection calls will then cease. If the debt is legitimate, verify that the collector has a legal right to collect it. It's his obligation to prove his claims. If he refuses to do so, he's a fraud.
If you owe a debt, pay it or make arrangements to do so. But always be sure that you're paying your debt. Not just lining the pockets of some low-life who has screwed up his life to the point that he's now forced to scam money from the naive.
God loves us. Well...most of us!
Gunnar

Related threads for Eastern Acquisition Group aka Delaney, Ruben & Stein:
https://800notes.com/Phone.aspx/1-866-597-4639
https://800notes.com/Phone.aspx/1-888-599-1499/2
https://800notes.com/Phone.aspx/1-888-236-3382
https://800notes.com/Phone.aspx/1-888-603-3145/2

Your presumptuous bile and so-unoriginal user handle testify to your own character. All new number thread comments get bumped to the top of the home page here, genius. I can't miss them if I happen to to load the site for *any* purpose. Oh, and I'd all but quit using Goooo-oogle last year.

Do you claim to have a copy of my credit reports handy? Would you care to read off my "testament" to the class? I have two consumer lawsuits scheduled to launch this Spring and Summer against careless lawbreaking peers of yours, and right now I'm helping a friend beat back a junk debt buyer which apparently sued her for some total stranger's old account. If you want to keep making a ruckus here I'll be glad to fit you in as a new defendant sometime this Autumn.

I do have a "simple request", now that you've invited one. Stop throwing tantrums because I sicced Admin on various threads for your boss and made rebuttals to shill posts. I wouldn't throw trash in *your* house, why insist that this site should accept yours?

Way to go with that incomplete article citation. The source was Reason magazine. The author did not, as you have implied, write that line to blame the victim. The article is critical of a rightly seen systemic problem and finds fault with *government* for encouraging borrowing as a cure for a sick economy.

Private Debt Is Crippling the Economy
http://reason.com/archives/2012/08/09/private-debt-is-crippling-the-economy

Not that the big box banks need much prodding to exploit and enslave their customers. For years now they have viewed a parasitic lending model as their greatest profit generator, enabled long ago by the dissolving of the idea of usury and the ability to harbor their worst practices behind the laws of a few states. Payday lending is a top example of the worst kind of predatory lending. Thugs like your pals are the worst kind of predatory collectors who feed off the scraps sold below a penny per face dollar, assuming the accounts are not fabricated out of naked greed.

Here are a few facts: (1) Anyone posting on this site has received a letter or phone call from the company in question.  (2)  Every single one of these people have a credit score under 500.  (3)  A credit score under 500 indicates that there are a sleu of charged-off, bad debts on the credit bureau report.  (4)  A sleu of bad debts results in consumers seeking alternate avenues for borrowing (Payday Lenders market to such individuals).  (5) Payday companies are one of the few financial establishments that lend money based on valid employment/income and an active checking account.  (6)  Sadly, more often than not, the consumer will solicit and borrow multiple Payday Loans.  (7)  The concept of the "scam" appears on blogs after receiving collection calls, derived from such bad debts.  (8)  Logically, one would think that anyone "scammed" would certainly not apply for more "fraudulent" loans from a "scam" company; however, they often do just that.  It's never a scam until the calls start piling up.  When the money is received, it is a loan.  When the money is due, it is a "scam" apparently.  (9)  Your credit report is a testament to your integrity and character.  Individuals lacking such traits would certainly default on multiple loans resulting in poor credit and thus, solicit loans from high-risk lenders such as a Payday Advance companies.  (10) And... just as expected, here we are.... right on queue... with a laundry list of bad debts and a shameful credit report... complaining about the calls.  The Payday Loan customer in a nutshell.

The cross-posting troll known as Mr. or Mrs. Surreality Check is entitled to its own opinions but not its own "facts". Now to review them:

01.  This website's URL is not "EasternAcquisitionSuxEggs-dot-com". A casual glance reveals a multitude of topics and reasons for posting about many kinds of nuisance callers.
02.  Speculation on the credit rankings of site users is immaterial and likely dead wrong.
03.  No, account tradelines indicate derogatory reporting. "Sleu" does not exist as an English word.
04.  "Alternate avenues" of funding are taken by the "unbanked", namely the working poor who suffer a poverty tax, which is NOT self-inflicted, on everything they need.
05.  Payday lenders are highly predatory and in no way ennobled by "serving" the poor they exploit.
06.  The payday borrower is lured and trapped into serial loans which by design can never be satisfied.
07.  The "scam" is not a "concept" but a reality when both real and fake collectors break laws and abuse people to chase accounts which often *never existed*.
08.  Again the same IL-logical song that all defaulted debtors are willful criminals ... a ruse to distract us from the true criminal intent of extortionists posing as valid debt collectors.
09.  The troll changes names but not its script, attesting again to its own character bankruptcy. The credit report is not a moral scorecard. It is a marketing tool for lenders, a weapon of punishment for debt collectors, and an endless source of frustration for consumers, who cannot erase lies printed about them without a protracted lawsuit or a stick of dynamite.
10.  Just as expected, the whining shills trot out the same myths in different forms about why we need to blame the vicitim instead of an industry drunk with greed.

The proper phrase is "right on cue", whereas a queue for either welfare checks or lunch at the federal prison is what these fraudulent collectors should soon stand in.

Note the same mental sewage was pumped into a sister EAG thread the same minute:
https://800notes.com/Phone.aspx/1-888-603-3145/2

I read this crazy article on the Internet.  It said that Bill collectors won't call you as long as you pay your bill.  I know what you're thinking... There is no way that article could Be true, right?  If one of you guys ever try it let me know if it works... Thanks!

Whoever is defending these fraud callers is actually one of the people calling.  I guarantee that debts that are paid and debts that are not paid are sold multiple times to companies to try to collect on and they all use the same tactics stating that there is a civil process in place or you are being served by somone on the other side of the country.  The majority of these companies get the name from a list that is sold pennys on the dollar and they don't have anything but your telephone and sometimes the last 4 of your ssn.  I still get calls from scam companies all the time for Midland Financial.  I fax them the paid receipts and if they are legit, they go away.  More time than not they are not even a real company.  I traced one scammer to the Extend Stay Hotel in Georgia and they were using the hotel fax machine to process faxes.  The lady at the front desk had no idea that this was going on in the hotel.  They got evicted.  Oh and credit score doesn't mean anything because I have above a 700 and get these calls so you can throw that theory out the window also.  Another thing on credit, these people will not post to the big 3 credit agencies because then it will get traced back to them.

There is a 'circle of life' in terms of bad debt.  The original creditor will extend credit to the consumer in exchange for a fee (interest, cost of the loan, time value of repayment, etc.).  Upon default, the creditor will seek an investment company to purchase the bad debt.  This is often significantly less than the actual balance in which they are purchasing.  However, in American business, all companies must seek profit to survive.  The original creditor makes money off of the consumer paying interest or selling the debt to a second party and then writing off the losses on their taxes.  This investment company will often retain the services of a collection company to contact the consumer for restitution.  The debts purchased are valid and come directly from the original creditor/bank.  The investment company has the right to assess interest on the time in which they take to retain services, the time in which they see a return (if any at all) and the cost of hiring a collection company.  The collection company collects directly from the consumer and those funds are funneled back into a suffering economy through tax dollars and employee wages.  Without the collection agency, the investment company couldn't afford the bad debt and without the investment company, the lender couldn't afford to extend loans.  If the lender couldn't extend loans, Americans would suffer consequences and the practice of lending would cease entirely.  This extends to all facets of credit - auto, mortgages, credit cards, store cards, student loans, payday advance loans, etc.  As defaults continue to accrue, banks become weak and must charge higher interest rates to cover losses on previous loans.  The consumer is deemed high risk and there is a cost assessed to a high-risk consumer (interest & fees).  There are issues within the credit industry, with companies that are overseas (India) that make threatening calls; however, they are generally easily identified by a thick foreign accent, poor english and invalid, broad information regarding a debt that you may or may not owe.  However, each account/loan has a chain of title in which the debt owner is listed.  With a valid chain of title, the investment company that owns the debt is free to report to the major credit bureaus.  The validity of  a company can be garnered and attained through direct toll free phone lines, email options, websites and mail notification/dunning letters.  Collection companies rarely invest time and money in providing such services unless they have valid chain of title and copious documentation gathered from the original creditor.  In closing, nobody enjoys receiving calls regarding a past due obligation and the concept of how much is paid for a particular debt is irrelevant.  In any capacity, upon default one of the companies involved suffer from the delinquency.

Am still getting unwanted call for Attracta
http://www.theboydcapitalgroups.info/

I read this nutjob shill post in an 800Notes thread. It assumed that runaway skip tracing of every "nearby" and the neighbor's pet gerbil is not a problem created by desperate debt collectors who now find it harder to swindle people over a phone.

Now, I know what you're thinking. Are all my billers paid and current? Ah-yep, and a couple are paid ahead because they treat me so well, unlike trashy lawbreaking debt collectors who refuse to prove their claims and won't stop calling when asked nicely. A while back I had to send three agencies in a row packing after they hassled me to collect from people I've never met. If any of them contact me again they'll be paying for my trouble in court. I'll let you know when that goes down. You're welcome.

Received two phone calls at the same time both from unavailable numbers which ususally means "scam" if you cannot show your "real phone number" on both my cell phone number and at work.  The message said that my card ending in 4 would be charged/processed this coming Friday. This call is a courtesy reminder, and if the payment is returned then a civl suit would be filed.  Press 1 to speak to a representative, or call 1-866-595-9776 if you have any questions.  What is this all about?  Who leaves messages like that?  It is people fishing for money or your personal information.............. Don't return their calls.

Yes, I have received the same calls, and I cannot locate this phone number online in the white pages or under the BBB website so how are they legimate collection agencies doing their job if they cannot even disclose who they are or what they are calling about without using fake recorded messages.  Some states don't allow them to do business unless they are licensed in that state.  Is this so called company that you are talking about Eastern Aquisition a licensed company- collector in every US State?  Funny how you get these calls but have never received anything in the mail from this phone number or company?