866-943-9340

Delanor Kemper & Associates
PORTFOLIO MANAGEMENT
2221 Peachtree Rd NE
Atlanta, GA 30309
TEL : (404) 524-0891
FAX : (404) 524-0896
http://www.dkallc.com/1.html

See notes under: https://800notes.com/Phone.aspx/1-404-524-0848

Getting phone calls from this phone number and now they are harassing my friends by calling them.  I do not like the idea that they can call my friends and request information from them.  What can be done to stop this?

i recieved a call from this nu,ber the woma whom called me stated she worked with the fresno county district  attorney office, she also stated that if i did not comply with payment today that i would  be facing 1 to 2 years in prison and/or a 5000.00 fine. i have never recieved any letters or calls prior to 3/23/2010. please beware.

these people called me and said something about check fraud from a payday loan company, then he said that they would be e-mailing papers showing a payment arrangement, well I never recv'd these papers via e-mail, so I called and told them I was not letting anything come out of my account until I got proof in which I should of gotten first and I know I owe but I hit a hard spot and had to close checking account, anyhow I have still not recv'd anything from them. You would think that they would get something to you asap if they were wanting the money.  then on top of the payment they want a xtra 15.00 for processing fee.  Not happening

Received call today from Wendy Fox saying she was with the court house and that I needed to call her right back.  If she could leave a mes. like that on my phone then she could have told me what it was about.

Just got a call from them saying they were recovering a debt from a bad check from a payday loan.  A payday loan that I received confirmation that it was paid in full and complete.  I think they buy bad loans even if they get solved and try to make money that way.  Keep documents of everything and shove it in their face!

I just got a call from this person as well. Not sure what it is about but after reading the posts does not sound like I am returnign this call. For those above, if they falsly represent themselves and or call you a name or tell you that you are facing prison time that is against the law. Usually you can find a lawyer who will sue them and can get some money from them and the debt cleared. I did this after a guy called me for a debt I had nothing to do with and called me a dead beat. I ended up with $1,000.00. The total settlement was $1,500.00 but the attorney fee was $500.00. And the debt was cleared.

i got a phone call from these people sayn the same thing. i dnt know if they are legit or not. she talked about legal action in court it's a felony, etc. i told her i owed ace and that i was paying them online through myacefile.com she said that was only fees charged to me that i was just paying those costs for nothing. i am going to search further b4 payn any of this.  1-866-943-9340

I manage an apartment community that, for some reason, receives so many calls from bill collectors per day for people who I have never even heard of, it is ridiculous. I have been trying to call most of them back and get the number removed from their database. I called this one back in particular. Pressed "0" as requested, received a woman, who I made my complaint to...after a few minutes of her typing away and her telling me 3 times "just let me plug in this number and see what is going on" she told me that the number wasn't pulling up anything. I said, well how do we get this to stop, She said, I can give the number to my Manager and have them look into it. I asked, what number are you putting in...she rattled of some number that wasn't even relatively close to the number I was calling from. I told her that and she said ok, thank you have a nice day and hung up on me. I called back...again pressed zero, received a man...who I explained the situation to and that I wanted the number removed, he again so, ok ma'am no problem, have a nice day and hung up again...never ONCE did they ask me what number I was calling from...I wouldn't pay ANYTHING to this company...they totally sound like a SCAM!

It is very important THAT all phone calls to this number cease immediately. IT is a private business phone and anything relating to personal matters should be handled through the United States Postal Service. Failure to comply will result in a harassment claim being filed against YOUR company with the Federal Trade Commission in Washington D. C.

Now that you've practiced your no-call request here, deliver it to the actual caller, which does not maintain this site or this web page. Your caller is not going to dutifully study random forum complaints and cannot magically determine which numbers should not be called based on anonymous comments.

If you want to complain to the FTC, just do so. Collection agencies are not intimidated by anything less than a legal summons from you.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.
http://www.ftc.gov/os/statutes/fdcpajump.shtm

No mysteries here ... More than likely you called a business line with ANI. As someone who manages housing for a more transient population, you're a natural target for skip tracing regarding persons who could be twice removed from current and former tenants.

In your place I would budget for cease-comm notices to be sent to each collection agency via USPS Certified with return card. The FTC and many consumer watchdogs explain how to draft one. This will set a legal landmine, as such a notice is ignored at their peril.

Alex Simanovsky & Associates, LLC  |  www.fdcpalawyeronline.com  |  Toll Free:  1-800-303-9840  |  Free Legal Help for Consumers



COMMON FDCPA VIOLATIONS



1. Ask you to pay more than you owe -- The collector cannot misrepresent the amount you owe. [15 USC 1692e] § 807(2)(a)

2. Ask you to pay interest, fees, or expenses that are not allowed by law -- The collector can't add on any extra fees that your original credit or loan agreement doesn't allow. [15 USC 1692f] § 808(1)

3. Call repeatedly or continuously -- The FDCPA considers repeat calls as harassment. [15 USC 1692d] § 806(5)

4. Use obscene, profane, or abusive language -- Using this kind of language is considered harassment. [15 USC 1692d] § 806(2)

5. Call before 8:00 am or after 9:00 pm -- Calls during these times are considered harassment. [15 USC 1692c] § 805(a)(1)

6. Call at times the collector knew or should know are inconvenient -- Calls at these times are considered harassment. [15 USC 1692c] § 805(a)(1)

7. Use or threaten to use violence if you don't pay the debt --  Collectors can't threaten violence against you. [15 USC 1692d] § 806(1)

8. Threaten action they cannot or will not take -- Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action. [15 USC 1692e] § 807(5)

9. Illegally inform a third party about your alleged debt -- Unless you have expressly given permision, collectors are not allowed to inform anyone about your debt except: your attorney, the creditor, the creditor's attorney, a credit reporting agency, your spouse, your parent (if you are a minor)  [15 USC 1692c] § 805(b)

10. Repeatedly call a third party to get your location information -- The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [15 USC 1692b] § 804(1)

11. Contact you at work knowing your employer doesn't approve -- A collector is not allowed to contact you at work if you’ve let them know your employer doesn’t approve of these calls. [15 USC 1692c] § 805(a)(3)

12. Fail to send a written debt validation notice -- Within five days of the collector's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [15 USC 1692g] § 809(a)

13. Ignore your written request to verify the debt and continue to collect -- A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector's written notice. [15 USC 1692g] § 809(b)

14. Continue to collect on the debt before providing verification -- After receiving your written dispute, the collector must stop collecting on the debt until you have receieved verification. [15 USC 1692g] § 809(b)

15. Continue collection attempts after receiving a cease communication notice -- If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following: that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [15 USC 1692c] § 805(c)





Alex Simanovsky & Associates, LLC  |  www.fdcpalawyeronline.com  |  Toll Free:  1-800-303-9840  |  Free Legal Help for Consumers

Alex Simanovsky & Associates, LLC  |  www.fdcpalawyeronline.com  |  Toll Free:  1-800-303-9840  |  Free Legal Help for Consumers

Debt And Your Rights - FDCPA Summary
Your Rights under Fair Debt Laws:
Debt collection practices are regulated by both State and federal laws. Debt collectors are legally prohibited from doing many things, including threatening or harassing you, contacting you at inconvenient times or places, telling others about your debt, continuing to contact you if you have requested that they stop, and many other unfair and abusive practices. Under the FDCPA (Fair Debt Collection Practices Act), you have the right to sue a debt collector who violates the law, in a state or federal court within one year from the date of the violation. If you win, you may recover money for the damages you suffered or statutory damages up to $1,000. Court costs and attorney's fees can also be paid for by the collector. Contact us today Alex Simanovsky & Associates or fill out our form for a free fair debt case review.
What is a debt collector?
A debt collector is any person who regularly collects debts owed to others and the attorneys who collect debts on a regular basis.
Tries to recover the debts that are:
    Personal, family, and household debts are covered under the Act
    Money owed for the purchase of an automobile, for medical care, or for charge accounts.
A collector may contact you in person, by mail, telephone, telegram, or fax.
A debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree.
A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts. You can stop a debt collector from contacting you by writing a debt dispute letter to the collector telling them to stop. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor.
If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.
Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.
May a debt collector continue to contact you if you believe you do not owe money?
A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed. What types of debt collection practices are prohibited?
Debt Collection activities are strictly regulated against the following:
    Use threats of violence or harm;
    Publish a list of consumers who refuse to pay their debts (except to a credit bureau);
    Use obscene or profane language; or repeatedly use the telephone to annoy someone.
    Falsely imply that they are attorneys or government representatives;
    Falsely imply that you have committed a crime;
    Falsely represent that they operate or work for a credit bureau;
    Misrepresent the amount of your debt;
    Indicate that papers being sent to you are legal forms when they are not; or
    Indicate that papers being sent to you are not legal forms when they are.
    State you will be arrested if you do not pay your debt;
    State they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
    Actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.
    Give false credit information about you to anyone, including a credit bureau;
    Send you anything that looks like an official document from a court or government agency when it is not; or
    Use a false name.
    Collect any amount greater than your debt, unless your state law permits such a charge;
    Deposit a post-dated check prematurely;
    Use deception to make you accept collect calls or pay for telegrams;
    Take or threaten to take your property unless this can be done legally; or
    Contact you by postcard.


Alex Simanovsky & Associates, LLC  |  www.fdcpalawyeronline.com  |  Toll Free:  1-800-303-9840  |  Free Legal Help for Consumers