877-394-5975

All high and mighty about what?  Being a complete low-life maggot infested scum sucking loser?

No, I actually think you have sold yourself short in that regard

Speaking of talking smack.. Pot meet kettle!  Now back under that bridge in the boiler room --->  Mop and bucket is missing you!

Now, now ... let's not be too hard on this guy.

You know the old saying, "When all you've got is a hammer, the whole world looks like a nail?"  Maybe if all you have is a mop and a bucket, life is like a mop.

See: http://www.youtube.com/watch?v=fgTgWSrNVdk&sns=em

Absolutely.  I would welcome the opportunity to receive guidance from such an erudite individual as UDeadBeatMofos.

All of this will be confirmed if you search diligently enough. The actual creditor for the Advanta credit cards was Deutsche Bank. The $85 billion of "quantitative easing" being done each month by the Federal Reserve is largely going to Europe, with the biggest chunk of that going to prop up Deutsche Bank, which would be in real trouble without it.

So basically, Deutsche Bank is being made whole. The tab will be paid by our children and grandchildren. Paying Carson & Smithfield would be beside the point. Screw 'em. There is no Carson, there is no Smithfield, there is only Berman--who had to be sanctioned by the Office of Thrift Supervision.

I am Phantom Debtor ... or TheDeadestBeatMoFoAndLaughingToo.

This number is from Carson Smithfield--a debt collection agency.  They do collections for Merrick Bank as Merrick doesn't have a collections department.  They call at various times thru the day and will never leave a message

getting these calls all day and weekends. harassment to no end. do not and will not answer these calls.

Called and left a long message for me.. statute of limitations is 6 years in Colorado.  Account was included in Bancruptcy 12 years ago. WTH?

I have received MULTIPLE calls from this and a few other numbers all tracing back to this carson smithfield.. i finally called back and when i gave them my phone number they asked for the former owner of my house! i told them he used to own my house but has NEVER had my phone number.. they say they removed me from the list but who knows!

I get calls from these people all the time.when I don't answer they ask to speak to my husband. I tell my daughter not to let anyone speak to my husband  that ask for me.How can u block a phone from your home phone? It just say toll free number.

If you have, say a phone by Uniden you can simply add the number to your phone's speed dial list (you may want to replace the "Unknown Caller" with "Carson Smithfie" by using the keypad to edit the name). Then you assign it a custom ring ... one of the custom rings is "no ring" which means you won't hear the phone when they call. They're not exactly blocked, but they're not interrupting anything either...

I got a call from these people trying to collect on a debt discharged in a chapter 7 bankruptcy. Told them it was discharged in a bankruptcy and not to call me, and they called me the next day. I'm about to sue them because they are barred from collecting on a discharged debt.

Called me back in April 2012 and just now tonight.

Same answer given, not interested in talking to you.  Advanta screwed all their card holders by closing everyone's accounts and leaving small businesses in the lurch.

Take me off your list. Period.
And the number is now blocked. The end.

Will see if it works again for a couple years.

These people call my phone at least ten times a day does anyone have the information on how to report this constant harrasement

they leave NO message and I'm sick of this ....

8773945975
No one ever says anything call almost every hour

yeah. back in 2008 ALL of my business cc's went from 0-6% to 32-34% OVERNIGHT. Impeccable payment history. They told me that they jacked my rates because my business (construction) was now "high risk". So they all made it impossible to even pay down. I let it all go. They can kiss my wide one, as far as I am concerned.  They can get the statute of limitations as far as I am concerned. I lost a few years of my life being that stressed out to the maximum. The phone calls ALONE were enough to drive someone over the edge.

Debts do not become null and void unless you file for bankruptcy and then in essence they are.  Statute of limitations, however, on ability to collect a debt is not enforceable after 7 to 10 years depending on your state's laws.  Some are even 5 years.  The obligation to pay is still there but they can't do anything about it legally and attempts to collect on a debt are illegal if they are past those time frames.  You can win against them in a court of law if you pursue going after them for making any such attempt.  The reward is not very much and not worth the hassle.

An attorney advised me that any unsecured debt that has no activity for 36 months is prescribed and CANNOT  be collected.  If the debtor files bankruptcy a proof of claim is required by the creditor and if the debt has prescribed the Bankruptcy Court denies the claim and disallows the listing of the creditor in the bankruptcy  Activity is either a payment or charge by the debtor, or the creditor files petition to obtain a judgment in a court of jurisdiction for the debt. The is necessary for the debtor to be served notice of court hearing and documents filed against them by the creditor.  Any negative accounts can be reported to the National Credit Reporting Agencies for a maximum of seven years from the date the account was either first reported delinquent, or the date of the last activity. Many unsecured creditors write off the debts, then third party agencies buy these debts in an effort to "strong arm" collections The Federal Government has a commission in place that establishes Fair Debt Collections. A letter to the third party agency advising them to cease and desist communications is required, and if attempts to contact the debtor continues harassment can be filed and the debtor can receive up to three times the amount claimed as owned by creditor for the harassment.

Write them a letter requesting proof of claim. If the original debtor wrote the item off, the collection agency purchased a bad debt and is attempting to strong arm you into paying. No activity on an unsecured account meaning no charges or payments by debtor, and no attempt to petition the court for judgment against the debtor within the 36 month time allows the debt to prescribed.  In the letter advise the collection agency to stop all communications. Begin tracking the continued contact by the parties and you may counter sue the collection agency for harassment which you can be awarded up to three times the amount of debt claimed by the creditor.  As for reporting to the National Credit Reporting Agencies, most true negative activity can be reported for a maximum of seven years unless it is related to bankruptcy, then it is reportable for up to ten years.  All of this information is obtainable through research.  You are also entitled to one free report from each National Credit Reporting Agency each year.  If any creditor lists you, or changes the information filed, then you are entitled to another free report for review.