866-860-9153

They will never get one penny out of me just like I never got a penny out of them!  Another thing for anyone that does not know, they are not allowed to call you once the statue of limitations has run out on this debt.  They can send you letters but no phone calls.  If they continue to call, report them to www.ftc.gov.  Have a great day.

Run these people out of business when they call you with age old debt older than 7 years that was unpaid.  Go to www.ftc.gov and report the company.  They are not allowed to call you by the law but they can send as many letters as they please.

Do your research.  There is debt called timed-barred-debt.  Once the statue of limitations for your state has run out, a bill collector can no longer collect.  Google Timed barred debt and see what you find out.  You no longer have to pay this debt by the law and the collection company cannot collect on it either.  Taxes and Student loans or anything owed to the state or government does not count and you must pay those bills but credit cards and other debt of this nature does not have to be paid if the company did not put a judgment against you already within the time frame of seven years or whatever the time limit is for your state.  Look it up on the internet.  Be Smarter than that!

Make sure you never converse with these people or give them one penny or they will throw the whole amount plus interest back on your credit report.  Many collection agencies tack on other fees and make the debt a lot more thatn what you originally owed in the first place and you never even heard of them or borrowed anything from them.  Do not allow these companies to get into more debt when you have been forgiven by the time frame which is right out of the bible.  If you owe someone for 7 years and you have not paid them one penny on that debt, your debt is forgiven.  This is not worded exactly but this is somewhat God's law and Man's law was made a lot off of the bible and this is one of those laws.  Now, do pay your friends that you owe or you will lose a friendship.  If you can pay a bill then do so but if it is a timed-barred-debt, Clark Howard even remarks on not to pay it because the collection agencies try to rip people off.  Clark Howard is a consumer advocate out of Atlanta, Georgia.  He is really good.

They call and ask for the number they called, weird.... I don't want to pay the phone com. for unwanted phone calls

We tell you the person does not live here. And you keep calling. We don't owe anyone.

They keep saying to hold for call for 3 seconds then this lady with a strange voice comes on and say this call is about an overdue bill from 5 years ago and the person they want has been dead for 19 years.

They call using an automated voice asking for someone. From what others say about this number, it sounded to me like a collection service. The automated call asked for a name of a person, not me, and said "if you are not (named)" disregard this call. Well, I disregard and wish I could give them a piece of my mind for using up my cell airtime at MY expense!!

We received calls for Daniel McLoan for about 6 months solid.  We got at least one call a week but sometims got as many as three calls per day.  I called and complained and when I did get a live person on the phone I read them the riot act.  I finally phoned and delivered a loud and long, swearing tirade to their answering service assuring that I was not Daniel McLoan, nor did I know him, and if I ever met him you can be sure that I would punch the son-of-a-[***] right in the face.  Well, they finally stopped... last month, they started again.  

http://www.stellarrecoveryinc.com/about_us.htm

Here's the web address for these sorry ass-[***].
They have offices in Denver and Montana.  

Corporate Office:        
1845 Highway 93 S., Suite 310
Kalispell, MT 59901
866-552-1377

Denver Office:
8480 East Orchard Road, Suite 1200
Denver, CO 80111
866-552-1377

They tout the experience of their president and CEO:

Stellar Recovery is a company formed by combining the 32 years of "big company" experience of our CEO/Chairman, and the 27 years of "family style" company experience of our COO/President.

Of course they don't give the ass-blisters name.  
Lousy, no good, goddamned vulture parasite pricks!  


They

I got my present phone # less than 3 months ago.  At first I got several calls from Steller Recovery.  I explained to them I had just moved and been given this phone # by Verizon. I had a very simple phone situation before, was on the do not call list and had very little problems or phone disruption in my life.  Since gettting this phone # someone has called from 1-866-860-9153 several times asking for Lawrence Knight.  I have never heard of this person before but an automated message keeps saying that they are leaving a message for him.  Then they say there will be a silence of 3 seconds and if I listen further I am acknowledging I am him.  It's ridiculous.  My husband and I are very careful with our credit and don't have  debit on our card of more than $100.00 but apparently, from what other people are saying, these collectors don't believe me when I say this is a new phone # for me.  They probably think I am making it up so I can continue to escape paying a debt.

I must say that I have gotten all sorts of unwanted calls from almost the first moment I was assigned this phone # from Verizon so whoever had it before probably was in some kind of trouble.  I'm sick and tired of getting calls and trying to look up who is calling on the Internet.  I am receiving these calls on my landline, not a cell phone.  At this point I plan to make a record of all the unwanted calls and write a letter to the FCC with one big complaint.  Maybe they can do something then.

In addition I don't see how Tim, who works for Stellar Recovery, can say it is legal to keep calling a phone # on the do not call list if the person who has been assigned the # isn't the person or family who owes the debt.  It's my understanding that a company or agency can call a person they are doing business with only and I am not doing any business with Stellar Recovery so I believe I can sue them for the repeated calls if they don't cut it out.  You would think they would realize and keep track of phone #s being changed over to new people and not just assume the person telling them "No, this guy isn't here and this is now our #" is lying.

I received 2 calls from this number in the middle of Oct/09, a few days apart. Both were "robo" calls, asking for someone named "Laval Wofield/Lofield (not sure which)".  I also pressed the button to indicate I was not her, which takes the voice mail menu back to the beginning (this call is for ...).  I hung up both times.  On Nov 1, 2009, I found a phone message on my cell phone from this number. There was a message for Laval, much as described by the previous reporter above - Cindy (3 second wait, private information, etc.). The "robo" operator identified the company as Stellar Recovery Inc, and left the phone number again.  I am disturbed by the fact that they have my home and cell number.  I worry that this might mean I have been a victim of identity theft.  I am going to request a copy of my credit report just to be sure.

Unfortunately - there is no law that says they cannot call or write in an attempt to collect a debt that has passed SOL.   THEY CANNOT SUE you for a debt past SOL.   That does not stop them from totally fabricating documents and illegally re-aging debts past SOL

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

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/start.html


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

DEALING WITH ILLEGAL DEBT COLLECTORS AND PRACTICES
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

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/start.html


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

Looking for a person named Gene Smith.  I have had my phone number for 7 years. I don't know who Gene SMith is or care. from 1-866-860-9153

Just call the local police department and indicate that you have repeatedly told these people to stop calling you. (If you have notes on when you told them it is more helpful).

Most likely the officer will call them and tell them they are calling the wrong person and if they continue to harass them further action will be taken.

It is very effective.

I really wish these people would stop calling my house for "Patricia Woods." I don't know her & she doesn't live here. We've had this # for over 3 years & people won't stop calling her here. They call AFTER 9PM some nights and at 7:22 on Saturday morning. And now they've just woken up my SLEEPING BABY AGAIN!! I'm ticked and reporting them!!!

Many people would be paying their bills if companys did not lay people off, or illness did not exist causing them to be unable to pay their bills, to pay for medicines. Even when people have tried to get their debts in order after dealing with these issues, the debt collectors treat people like sh*t.

So To You, Stellar Recovery, "You Get a life" And Next time you think your informing and helping people have all of your facts straight before you end up hiring a lawyer and losing a case to one of many brilliant lawyers in court.

I called 866-552-1377 and had my number taken off their system.  No problem.

leaving automated calls on my employment phone

I use to work for Stellar Recovery, they are a scam. They make employees lie to make commission. Every time they call, they  will tell you to pay this bill, or it will be on your credit. It already is on your credit, to an extent.  But, if you havne't paid on it within the last 9 months or more... they will call to collect. But please remember that once you pay, it will go back on your credit report (cbr).  And it bring it back into the statutes of limitations.  So, if they call and threaten don't pay.  Because they can't do anything about it.  Yes, there is a moral principal.. as there is with most everything.  You owe a bill... But, let's face it, if you haven't been able to pay it for that long of a timeframe, you're probably not in a position to get it resolved anyway.. They lie to you (they being Stellar Recovery).  Trust me, I know, I worked for them for a year and I got fired because I wouldn't lie to people.  There are few honest people at the company, and those are the people whom are not there anymore.  This is from people who worked for Stellar.  And we disagree with everything that they stand for.. When you get on the phone with Stellar and the collector you are speaking with places you on hold to "speak with the client", they are not actually speaking to the client.. They are giving you a psychological pause to give you the time to "realize the importance of paying your bill"  Any communication done by the collectors to the client is by paperwork... There is always what is considered a "Blanket Settlement Offer" which is the guidelines already in the system for how low the client has pre-authorized the settlment, from 90% to 25%... on higher settlement pre-authorizations, we can ALWAYS go lower.. hense a "debtor" going through a debt consolidation company.... Don't always look at collectors as being bottom-feeding scum-bags... There are a few of us who understand your situation and we get fired for being so understanding.  Stay away and don't pay Stellar Recovery.. The management knows that they are sinking, buying bad debts, etc... Always ask any collection agency for validation of debt (vod) ... And send a cease and desist letter to have them stop contacting you.. By law, they are not allowed to contact you or call you once you have made that request.  This is coming from collectors of this company who have been screwed.. At one time we will say this.. we have looked at this website a number of times while on the job, and looked at the comments made, and yes there are some foolish people posting things on here who have no idea what they are talking about.. FDCPA is there and all 3rd party collection agencies are required to follow it.. It is black and white, no matter what anyone says.  Wrong number, they suck, we call them all day long and get yelled at all day long.... we DO remove the number and somehow they magically appear in the system again... Do not believe the permanent do not call list.. it only applies to telemarketers and does not exist in the world of collections.. PERIOD!!!! They will peer pressure you to pay and lie of what they will do.. Stellar DOES NOT SUE ANYONE!!!! There are only certain companies ( or clients) that will sue on larger balance accounts.  Those company are as follows: Vion Holdings, Fortis Capital, Equable Ascent Financial LLC (formerly known as Hilco) and only select few of HIlco , or EAF products take legal action.  Anything concerning Riverwalk Holdings, don't pay!  The interest goes up every month... and they do it so they can either get extra money, or sell it off to other debt buyers.  The reason why I am telling you this, is because I worked for them and I don't believe in their tactics.. People are going through hard times and remember, all collectors and debtors as well.. Use that to your advantage.. They want to call you, make you feel bad about what you owe, reverse it!!!! Because 9 times out of 10, the person you are talking to has collections as well.. They want a $9.50 fee for payments taken by phone... There are 8 states total whom are excluded from the $9.50 fee.... In Massacheusettes, the state does not allow post-dated ANYTHING!!!! Do not be fooled into giving this company any of your banking or credit card information.. The only calls that are recorded are the ones where they take a payment... Do not be reeled into giving this company "represntation of funds".. collectors will tell you it is the only way to make a settlement offer good.. They are lying to you.. Mail your payment in and avoided all of the BULL [***]!!!!  NO fees, write your FILE NUMBER on the check to ensure the payment applies to the correct account.. I am pretty sure I have spoken with a lot of you... And I have always told you the truth... Now I am giving you company inside information... Because I don't want you to get screwed.... It is just that simple.. If you have a file or debt that you want to get resolved that is in the office.. please request a placement letter and mail in a cease and desist letter with your file number.. If they do not stop calling once they have recieved that correspondence, they are in violation of the "Fair Debt Collections Practices Act"... or FDCPA... I know a fellow Stellar Recovery employee has written a lot of negative things towards people.  If you have spoken with me, you will know I have been completely honest, and am not trying and will never screw anybody over as I am a debtor myself... A debtor who has had harassing calls from collections agencies myself... Always get phone numbers, address, and send cease and desist letters to all agencies calling you.  By law, they have to stop harassing you.. NOW, on the same token, I feel it only morally and ethically proper to tell you that if you have a file in the offices of Stellar Recovery that is truly in pre-litigation status.. that cease and desist letter may not be recommended by us... Due to the fact that if a collector so chooses to fill out a legal request or a legal recommendation, then you are liable for attorney's costs, filing fees, and everything else that they choose to add on..  I have personally seen accounts go for $10,000 to $35,000 due to being sued... and I have also seen accounts that the original balance was $500 and all the sudden, it's up to $5700 or more... The companies they deal with, add interest every month and can go from $50 up to $1000 a month.  They have to make their money... ****LEGALIZED LONE SHARKING**** And a lot of collectors don't beleive in it... And I was one of them.  So, stay.... THE HELL.... AWAY.... FROM.... STELLAR...RECOVERY.,...INC....hmmmmm, makes you wonder about values and ethics?  They fire talented honest people, to bring in new not-so-talented people who will lie to make their way to hitting bonus... Which is A LOT OF MONEY COLLECTED IN ONE MONTH!!! I would rather go to bed at night with a clear conscience, than lie to people and know I [***] them over!  And that is why I got fired... If you Have Any questions Leave comments at this site and we will answer any questions you have.. we know all of this like the back of our hands...