866-618-1062

Say they are calling for a reference

I not only got the same thing, but some relative of a neighbor I had as a child got the same call, I don't even know the person they called, from what i've been able to find out is believe they are 'Premier Credit' trying to collect on a student loan, really creepy people.

FRAUD this company is a debt collection agency. They told me they were verifying employement info to get a friend a loan. They are liars.... BEWARE.

Say's that a friend or reletive has used me as a reference.  Did not leave name of who they were looking for or who the reference was for.  Called number and it said it was Premier Credit.

Called, left message,  and said needed some "basic demographic information" on someone who listed us for a reference.
Gave some weird extension # to call back, and a name, "Cynthia"....no last name (gee....I wonder why??) and a reference #.
Asked us to call back.  Duh....no.

Yea, same here.  Called, left message,  and said needed some "basic demographic information" on someone who listed us for a reference.  When I called them back, they refused to give me any information about themselves, (other than that the company was Premier, but didn't tell me what they did) or forward me to the "person" (Britteny Williams, ext 548?) who called me.  When I tried to get information from them, they just hung up.  This happened twice.

Call my mom and asked for information. Called from 1-866-618-1062 and also from a local number in Kenner, La. When you call either number, all it says is that you have reached 1-866.....and the next available operator will answer shortly. It gives no other information.

Just get a terribly nasty call from them. I called them back and practially got shouted at they claimed they were calling in reference to someone I have never ever heard of. Spoke to a supervisor who says they will remove us from the list, but they are rude and sneaky.

Called and left a message. The caller was named Robin and said they needed more information. She said to call 866-618-1062 and said to use reference #815999. She called from a cell 310-421-4199. Please beware it is a scam.

who are these people called left weird message saying verifying info, left two exact messages back to back, no company name just a reference number and that was it, they called from a number in this area code but left a toll free number an extension and reference number, it sounds odd, if a collection agency they are suppose to by law i thought to identify themselves and if a scam do they really think everyone is stupid enough to fall for them

They called and left a voice message, spoke so fast I  had to play it 3 times to understand the  number. Worst voice message I ever heard. When I called them, they said they were checking a reference and put me on hold. I hung up after about 2 minutes.

This is a debt collector.  They are using deceptive means to contact you such as saying they are trying to confirm an order that you placed-please call before order is cancelled.

Please quit calling me at work

Premiere Credit of North America, LLC  
2002 Wellesley Blvd., #100
Indianapolis, Indiana, 46219
www.premierecredit.com

--------------------------------------------------------------------------------
Phone No.  866-808-7175 317-972-6513 317-869-0618 317-869-2621 866-808-7118  
Fax 317-869-0617 -  

Todd Wolfe, President
Notes
Student loan collectors  

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/forum2/index.php

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

I just received a call from "800 Service" at this number. I let it go to the machine, as I generally always do for unrecognized numbers, since they are mostly "charities" and political "surveys". They did not leave a message.
But earlier in the day, I had received a call (from my area code) from a person looking for a couple with the same last name as mine, but different first names. I (truthfully) said I did not know them, and he thanked me and hung up.
So apparently they have skipped out on a debt, and someone is trying to locate them. I hope this does not become an ongoing harassment, just because I happen to have the same last name.

I just had this number call my husband's phone number (which I am not on) trying to reach my deceased ex-boyfriend.  The lady who called was rude and extremely evasive and wouldn't tell me where she was calling from, what is was regarding or despite repeated attempts to get answers, how my husband's number ended up on their list.  Any ideas on how this might have happened?  We do not have the same last name and do not have my name on the phone line.  Is this legal?

I receive calls from this number 6 times a day from 8am-10pm...I have no idea who it is, until they called me about an hr ago today FINALLY leaving a message. However, they didnt say who they were or where they're calling from. Just out of curiosity I called back & hung up. They called back a minute later & I answered. They said they were looking for me, but I acted as if I were my sister.  As my sister, I informed them that she(I) wasnt available at the time & asked their name & what does the call pertain to. They told me that they couldnt share that information. Then instantly, they became real combative & harrassing asking what time will she(I) be available. So we went back and forth for a couple minutes then it got real heated & I finally told them she(I) didnt have this number anymore stop calling here & hung up in their face.

If they dont wanna give me any info, why would I spill mine?

Just got another call from the 866-618-1062 number from Jessica with a reference number.  Apparently it is Premier Credit but they had a wrong name.  Didn't call them back but will answer next time and see if I can find out more.

They called my cell at 7:49am, I no recognize the number, no message.
Added to my blocked list after finding the info from this page.