8669393388

ILLEGAL COLLECTION TACTICS USED TO COLLECT WORTHLESS LEGALLY UNCOLLECTABLE DEBT - they are trying to SCARE you into paying them WITHOUT QUESTIONS OR DISPUTES..  


they may try and sue you - but their legal paperwork is PHONEY!  nothing legitimate about and will not stand up in court AS LONG AS YOU SHOW UP and dispute it  



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


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

Under the FAIR DEBT COLLECTION PRACTICES ACT (FDCPA) governs federal law of debt collection procedures. Please google this act to know your rights! This company called my mother who is ill and has been harassing her about some debt that I supposedly owe. However, knowing the laws allows you to avoid scam artists such as these. This debt collector is violating a number of federal laws under the FDCPA and it is your right to sue!! Each state in our nation is governed by these laws and each state has their own governing laws about consumer protection and debt collection practices. PLEASE RESEARCH FDCPA !!!!!!!  Being harassed constitutes you reporting the company!!
REPORT THE COMPANY AND VIOLATIONS TO:
1) YOUR LOCAL ATTORNEY GENERAL'S OFFICE
or/and
2) FEDERAL TRADE COMMISSION
  ONE BOWLING GREEN, STE. 318
  NEW YORK, NY 10004
1-877-382-4357

This company calling all of you has violated FDCPA and it is your right to file a class action lawsuit!!!!
PEOPLE AND COMPANIES LIKE THIS NEED TO BE STOPPED!!!!!!!!!!!!!!!!!!!!

Hi

My call was the same as yours but I could not make out the name who the call was intended for. what got my attention as the phrase "decisions will be made without your knowledge". I tried calling them back but just got a message for voice mail. Boy I'm glad I did not

While I could not make out the name, they said I had to call back right away or decisions would be made without my knowledge. I tried calling back but luckily they were closed. It was after 10 pm.

I recieved a call from a private number from 1-866-939-3388 stating that I needed to return the call with a file number regarding fraud. Of course I called back, concerned, only to find out that this was a person that was not forthright or truthful and could not provide any type of documentation or verification of the debt. After repeated phone calls and even being told that the person that I was corresponding with was "no longer with the company" (even though they returned my calls saying they were out of the office because they had the flu...)They are an unscrupulous collection agency that made themselves sound like they were process of pressing charges when this was not the case.

Thank you so much. Life has been stressful since losing my job. We are walking on the edge of a blade afraid to answer the door or phone. Looking forward to reading your book. Thanks

i got a call from them and a message so i called them back to find out they were trying to get in touch with my brother and i was listed as a reference.  funny thing is the phone number they called me on is brand new and my brother doesnt even have it.  these people looked me up and found my newly listed phone number which is a home number btw and we dont even give it out.  me and my wife both have cell phones and dont use this number however it is publicly listed.  i cant believe this place actually looked me up when i have nothing to do with this whole situation.  i told them never to contact this number again or action would be taken seeing that i have no debt or ties to this company.

keep getting calls from 866-939-3388. Asking for information for a person that does not live hear.I don't know anything about the person there interested in and told them so, but the calls keep coming. I have reported them to my phone company and they said that number will be investigated.

866-939-3388 keeps calling.  No identification "Important decision will be made without you."  How can I get this unknown number to stop calling.

Received 3 messages from 1-888-468-7870 to call back 1-866-939-3388, press 1 and rectify this matter or decisions will be made for me.  I called and was informed that a credit card had been applied for on-line with my partial name, wrong address and phone number and the person or persons had ran up First Bank (???) Mastercard to the tune of $850.00.  They claimed that court papers were sent to them for collection - I have never applied for a First Bank Mastercard, I certainly know my correct address and I really amazed that I have never had any correspondence or phone calls from this so called First Bank only to receive an out of the blue call from VRM Group for collection.  I called the rep back and she then stated it was for a loan, then changed again and said a maxed out credit card.  She also indicated that she would be e-mailing me the paperwork they received 2 hours later I'm still waiting even after the second call when she said it would be emailed in a few minutes.  When I asked the rep for the correct name she first said "First Bank" and when I informed her no such listing she stated "well then maybe its Bank First".  Don't know your client's actual name and have no call back number to report progess that you have made with the collection call????? Finally on the third call, of course, everyone had left for the day when questioned why this company was on the bogus reports, I was informed "they are all disgruntled ex-employees".  Really now!

These people target elderly people.  Repeated debt collection calls with threats of legal action.

Just got a call from VRM group.  THey left a message that said I was a person of interest in a legal matter and if I didn't call back to 866-996-9926 decisions will be made without my knowledge. I knew this was BS. I don't like the way they did that though.  If I was more naive, I'd think the cops were after me or something. That's shady.  I didn't find out what the debt was.  I called and just grilled them to ask if they were a collection agency.  Once I found out they were I hung up the phone.  I have no income, no accounts, nothing on the radar that they can take now. So good luck to their sorry lying selves!  Just wanted to let people be aware of their message and their alternate phone no.

VRM Group run by Judy Adams and Fred Rock in Buffalo is a scumbag debt collection outfit that will soon be shut down. Word is that the feds have been poking around there and the Attorney General is starting to get a hard on for them. If you deal with them contact the NY State Attorney Generals Office http://www.ag.ny.gov/  .... Here are some of the real names of collectors there..... alias - Charles Logan is Matthew Long.. a felon .... alias Alex Westlake is Jamie Lake from Kaisertown is South Buffalo..... .. Judy Allen is the office manager and doesn't know feces from five star cuisine and is running the operation into the ground. Arguments between collectors and lawsuits are becoming the norm there so if you are smart then you won't pay them. Other numbers they use are 1-866-996-9926 or 1-800-841-4010 ....they change numbers every month so as to not be found out....

Hi I'm replying to your msg., about VRM, I keep getting calls from this #. They to begin with are very rude, they have threatened to have papers served in my County and to have me thrown in jail for something that I didn't do. They say that I took out a payday loan and they even have my social, address and all. what should I do? I did call our local police and talked to them.  Thanks Debby

Hi Michael, I already wrote to you need to ask a question? The phone # that I have that they want me to keep acalling back is: 866-966-9926, and they do nothing but threaten me on the phone all of the time. Thanks for your help, Debby

Hi Michael, my e-mail is trkwnabd@yahoo.com if you could help me some, Thanks Debby

I received a call from them I'm certain it's because I took out an online payday loan I wasn’t able to pay back in full after my husband was laid off. To be honest I blew it off as just one more bad mark on my credit report, but when it comes down to pay rent or $590 for a $200 loan my choice of course was to let the loan go into bad debt. So what do I do here do I pay them or allow them to garnish my wages?
I googled the numbers they called me from in addition to this website I saw court cases for Gilchrist v. Vision Receivable Management Group, Inc.

They called me from
716-821-9202
716-821-9200
716-748-6260

I received a call from them I'm certain it's because I took out an online payday loan I wasn’t able to pay back in full after my husband was laid off. To be honest I blew it off as just one more bad mark on my credit report, but when it comes down to pay rent or $590 for a $200 loan my choice of course was to let the loan go into bad debt. So what do I do here do I pay them or allow them to garnish my wages?
I googled the numbers they called me from in addition to this website I saw court cases for Gilchrist v. Vision Receivable Management Group, Inc.

They called me from
716-821-9202
716-821-9200
716-748-6260

Just received a call from this number and the guy says he is with Unified PS Group. He said his name is Jason Reed, an investigator, and needs to decide wether or not to proceed with legal action????

They won't stop calling me and my family members!