877-222-0064

OK, if you ARE by the book.  Here is the Act for everyone to read.  And I encourage consumers to hire their own lawyers if they feel they are being harassed.  Often debt collection agencies use illegal practices and intimidation to scare you into giving them money.  They buy your debt for a few cents on the dollar; and demand you pay in full.   Blah, blah, blah thinks he's smarter than you, but I assure you he/she is not.  Know your rights; fight if you feel they are in violation of these laws.  


http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

If anyone gets a call from the Law Offices of Michael Sipes, or any other debt collector.  Please read this first: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

Most debt collectors violate this Act in an attempt to intimidate consumers.   Do not give them ANY information, take their name and number and say you will call back.  If they try to keep you on the phone, hang up.   Keep notes of everything they say, including time and date of call.  

If you tell them NOT to contact you, they can not.  If you tell them you have no knowledge of the debt, they can not continue to call you.  If you tell them you have an attorney representing you, they can not call you about the debt anymore, unless the attorney fails to respond.  

PLEASE know your rights.  The FDCPA is there to protect you from "Unfair" debt collection practices.

Maybe you could use some of that money you collect to take some english grammer classes !! You can't even spell, I hope your not in charge. Do you claim to be a professional business ? If so your boss should read what you wrote and fire your ass.

What is your fax number ? IF you are a legitimate business publish it here for all of us to see..........that way we can send you what we need to send you. Don't forget to check your DO NOT CALL LIST !

instead of spending all this time on trying to find out who is calling, try paying your bill.

Instead of spending all your "career" violating federal collections laws which are supposed to regulate you, try getting a real job. Bet you can't!

That's funny when someone who can't pay their bills to tell someone else to get a real job.. Get a life, stop making excuses and looking for free passes. Pay your bills loser

PEOPLE...apologize i said this low life firm is not registered with the BBB,,they are,,that doesnt mean  they follow the law of collections when they call you ask if there licensed to collect money in your state and if they say yes get the license number and check it out because they will lie to you..if there not licensed you dont have to pay them and they cant log onto your credit report the best they can di is hire a law firm or collection company that is license to collect in your state and that means they have to pay them and most low life law firms dont like to pay other collection companies

hey low life sleazy debt collector your not making any money and i bet you cant pay your bills either and you know what that means YOUR ALSO A LOSER HAHAHA.

i dont even work there anymore and these comments never get old, all the cowards shrugging to pay portions of the lump sums of money someone was generous enough to loan out, while they teach their kids opposite values. these low lifes are hard working americans all willing to help u help yourself, but wen u spend your time hiding and murmuring on sites like these then the headbutting begins. Scarface says all u have in life is your word and your balls, if u break both what good are you.
but hey, im goin to the army RANGERS so i can make sure this country can still steal money from itself and kill off eachother. salute

All u perfect people who are out there talking crap about people in debt should n't. You don't know individual situations and how a person came into problems. Hopefully for you karma does'nt knock you off your pedistal. Be a little humble.

WOW Adam K, I have so much respect for you, its not easy to admit when you made a mistake, unlike all these people on here wining about how unfair life is. All you debtors on here are finding excuses for why you can't pay back an obligation to a legally binding contract which you signed, I know what its like to listen to all your sad reasons for why you can't pay the money back. I have to sit there for 8 hours a day listening to every reason in the world, all we want you to do is be reasonable and truthful about your income, and we try to work with you the best that we can. If you loaned someone 12,000$ hell even 5,000$ you would want your money back within a timely manner, and with interest if the person you loaned to defaulted on an agreement to pay back a debt. Sure you will sit there and think that we are heartless and don't care about your situation, and if it was you collecting the money then you would give 2 [***] about the persons circumstances, the fact is you wouldnt, if you had bills to pay and someone owed you big money you would sure as f**k want it back. If you people aren't responsible adults to take care of your obligations you better believe we are going to hunt you down at your work, through your neighbors, and family, IT IS NOT ILLEGAL in almost all of the 50 states and territories. YOU PEOPLE ARE THE ONES IN DEBT AND BORROWED MONEY AND REFUSE TO PAY IT BACK.
And like Adam said you may not believe you will get sued until one day you get served with a summons and complaint to appear in court, test the system, see what happens.

correction, we collectors at a law office collection agency represent a 3rd party debt buyer, we are retained to voluntarily or involuntarily recover the funds. you sir are the greedy on who consumed goods and/or services and have not paid for them, that in fact serves your bottom line, and is called in most worlds stealing. You are a thief who stole from those companies who gave you the credit. Shame on you for being a dead beat. Enjoy your bad credit.

You're just another dead beat, good for nothing debtor. Try getting good credit. Bet you can't!

You can tell all of that from my post, eh? LOL No wonder you have to work a "job" where coherent thinking is a liability!

Ditto hopefully karma doesnt come around and borrow thousands of dollars from you then not pay it back...oh wait you dont have any money. your excuses are pathetic. im scared to see what the next generation of children are going to be like all they see are dead beat parents who borrow money and dont pay it back, should have never taken out a loan then maxed it out to the point to where you couldnt pay for it. you credit problems are only because of you, not us. PAY YOUR BILLS

your an effing idiot. your a sad sad debtr with no future. 7.00$ isnt even a legal wage here in CA, IF YOU LIVE IN CA THIS OFFICE CAN LITIGATE AGAINST YOU, AND IT WILL. There is a network or attorneys all over the country, so if we cant get you in this state we forward your account to the state where you reside for further collection efforts and litigation if legal in your state, being a collector has security because there will always be dead beats out there like you who refuse to pay their bills. Until one day you end up in court, dont be mad at us, you are the scum that stole the money from the lending company, sitting in your house with your stolen things, you make me sick.

Send that letter of VALIDATION!

I think you'd meant "these are low lifes willing to help themselves to the shrinking assets of hard working Americans". It is not "hiding and murmuring" to invoke federal and state rights and ensure fair treatment from a predatory industry. The only "shrugging cowards" I see in this thread are bullying agency trolls who place their own gain and comfort ahead of the laws which govern them.

... such as these ....
http://www.ftc.gov/os/statutes/fdcpajump.shtm

I received a phone call from a 412-567-6092 today while I was at work. They told me to call back at this Michael K Sypes Law Office and the # they referenced to call back was to a Mr. Seals at 877-222-0064 ext 3023..I am seeing that whoever is doing this is bogus.