8775775601

the number  877-577-5601  shows up on the caller ID, googling it many links come connecting them to  Messerli & Kramer

They have been harassing me now for years, credit bills my ex- left stuck me with and would not pay.  gotta a call from one of their hench men- do not recall his name, trying to see how I wanted to pay the balance on a discover card which is over 9 years old, was around 3500. I do not even recall anymore, for sure and most everything was lost in a fire.  any way this representative of Messerli & Kramer informed me that it was now at 17,000.00 plus, and what was I intending to do about it to pay it off.......

I told him Not a f---ing thing and to call my ex about it.  

Oh and by they way ...... they tracked me down at my ex's house, as that is where my children live, so I guess I could have just handed the phone over to him, lolol
but instead, I just looked at him and told him,  this is what I have been dealing with for the past 10 years!  with those 5 credit cards you stuck me with..... when you took everything in the divorce. you and your high priced attorney's and left me with nothing.  These Messerli & Kramer are the lowest of the lowest scumbags, bottom feeders. They will get there due one day!

The same message was left on my phone as well.

They regularly violate the FDCPA and can be sued / fined.  Review the following...

http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act

Good luck!

877-577-5601 Violation.... report them to your Attorney Generals Office. I did.

Started calling awhile back, now taking actions against me when I tried to settle with their cllient and them as well, now that it's through the legal system, they still call.  These guys are dirty and scuzzy, they've been also sued for unethical practice, pure shysterlawyers.

They began calling me about a Capital One credit card balance of $300.00. I attempted to work out a payment plan, they called me names like "looser," "lowlife," and made statements like "get off your fat [***] and get a Job." My balance became $2086.52, they leveyed my bank account Friday for $37.16 and are in the process of garnishing my paycheck. They sent me forms that "appeared" that they were from Fourth Judicial District Court even though I was never served a summons, nothing ever had a Court File # until after I had missed the "real" court date, of which I was never informed or invited. I hope the parents of these "attorneys" are proud of how their children make a living and God will be their final JUDGE. It's probably too late for me but if anyone has any advise please help me.

I call the person back AJ, who was very rude! I was angry as this debt had already been told to contact my attorney several months ago and was from US Bank. Obviously, the right hand does not know what the left hand is doing.

Ryan has also called me. He is one of the rudest people I have ever dealt with. The devil would be ashamed of him. He wanted info about what my boyfriend did for a living. I told him it was none of his business. I turned the tables and asked him about his wife, he got so pissed off. I loved it.

I have never been more satisfied.  The collector that I dealt with was understanding and helpful.  No more debt for me!

It's always so funny and transparent when the scumbags have to come on to the COMPLAINT board to do damage control.  Real dedicated working on Sunday, must be worried about your quota!

dealt with a lady "sheila" and she's been alright to deal with. the debt got settled for 70% of what it was and they removed it from my credit report.

but as with life this was my experience with messerli & kramer, and besides the initial threat of suing me it went alright.

No messages left just keeps calling and hanging up

Messerli & Kramer

3405 Annapolis Ln N., Ste #300
Plymouth, MN 55447

--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Mid-Minnesota Legal Assistance and the Minnesota Attorney General's Office have filed lawsuits against Messerli & Kramer, a Twin Cities law firm, accusing it of using unlawful and bad faith tactics to collect debts from Minnesota consumers.

This firm specializes in obtaining default judgments, often against the poor, sick, and disabled," said Tim Thompson, Litigation Director at Mid-Minnesota Legal Assistance. "That's not illegal. But what is illegal is adding to the misery by piling their own attorney fees on to these judgments without following Minnesota law. They even bill for time they haven't spent on the case."

"It is wrong for collection attorneys to use their knowledge of the system to make unlawful gains," said Attorney General Mike Hatch. "Garnishing wages such as Social Security, veterans' benefits, or other exempted incomes, when the law states otherwise, is inappropriate and in bad faith."
CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available

Have that same number 1-877-577-5601
they were calling for my dead grandmother who passed away in march, harassing my grandfather about the money she owed, they would try & sue him for him. I mad as hell & won't talk this [***] no more.

Calling
Thomas J. Lyons, Sr.
tlyons@lyonslawfirm.com
651-770-9707 X122 (Main)
651-294-3960 (Direct)
651-770-5830 (Fax)
Number one consumer lawyer in the state of Minnesota.
& the try state area.
already have dealt with other bill collectors & the out come has been very good

If you get any 1-877 phone calls from any collector
give Thomas J. Lyons, Sr. a call
he'll deal with them

Shawn--
According to consumer advocate Clark Howard, they cannot go after your grandfather for your grandmother's debt, UNLESS the following circumstances exist:

There are only 2 circumstances when you may have an obligation for the debt of a relative. The first is if you co-sign for the debt. The second is if you live in a community property state, in which case you can be responsible for your spouse's debt.

Community property states include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin.

http://clarkhoward.com/shownotes/category/12/103/358/

REPORT THESE SCUMBAGS TO YOUR STATE ATTORNEY GENERAL AND THE MINNESOTA ATTORNEY GENERAL - MN AG has already sued them and KNOW THEY ARE VIOLATING LAWS  


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

the statue of debt in mn is 6 years -so anything after that can not be collected on by you, file a complaint with the better business bureau. and stop them

the statue of debt in mn is 6 years -so anything after that can not be collected on by you, file a complaint with the better business bureau. and stop them

So I have been receiving calls every day at the same time from this law firm. Today in my mail I recieved a Notice of hearing and law suit paperwork from this debt collector and capital one. I called the court house and they said the Court File # was legit and I have a conciliation court appearance scheduled in my county for MARCH 24TH 2010!! lol I guess they are taking it seriously over a 800 dollar credit card that I can pay due to being laid off.  Ive never actually seen someone get taken to court over a credit card but I guess im being sued... WTF.  Does anyone know if I can do anything about this or if I need an attorney? Or do I just go to court and hope for the best? THey have a total of $1500 after all teh fees and attorney fees and interest and late fees and over limit fees etc.

I've tried blocking them.  I have call screening and the number 877-577-5601 listed as a toll-free number keeps getting through my screening service.  I tried to add it again, and it said the number was already added and it's listed as a private number for call screening.