8775917732

I received a voice mail from Mr. Yardley who wanted me to respond by 4 pm the same day to help him make a business decision.  He should pay a business consultant if he wants help.

Received the same phone call but it was from "Mr. Adams." My first reaction was that it was a scam, as most recorded messages are, but it still creeped me out a bit because it was so inconclusive and so I googled it. Glad I did. Hopefully these people will get canned sometime soon.

1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
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

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




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There’s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors — or if you dispute the legitimacy of a debt — a debt collector may contact you.

“Time-barred” debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General’s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a “debt collector” generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt — or any debt for that matter — can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don’t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you’ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you’ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again — except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn’t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney’s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works 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 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. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. 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.

I don't bank at US Bank, and the man's name was Mr. Yardley. His associate who did not exactly give his name stated that Mr. Yardley was away from his desk.  I told him that I was returning the call.  He knew exactly who I was, and stated that I had an inactive bank account at the Huntington Bank, I asked if it were a joke.  Reply was no ma'am.  The account is inactive and the bank has the right to close it. I asked where he was calling from and he stated rather muffled Regent Assess North America, or Regent Asset North America.  He then asked if the last four digits of my Social Security no was-------
(very close) I stated no!  He then replied then I have the wrong Mary__________ and hung up.

What angered me was he knew where I banked, my phone number, name, and a partial of my Social Security number.  The phone number may belong to the custom phone company, they have several 877 591 numbers available, however if you ask about 877 591 7732 they tell you that the number is in use but do not state who has the numbers. Also other information states that the phone carrier does American and Overseas phone service.  I believe that it was Quest, but not sure.

Don't feel bad about knowing your name, they not only knew mine name but where I bank also.  The associate asked if my last four digits of my Social Security was ----. wrong, but very close.  How they obtained this information is a good Question especially where you bank and a partial no. of your Social Security.D^

Agree with you fully, some of the people being notified are Senior Citizens, I for one.  They have to be stopped before the clean out accounts or steal your identity.

These are not debt collectors, in fact some believe that this is another form of the Nigerian Scam. The best thing I have been told is to call the FTC, The BBB. And the State Attorney's office.  Even though this scum may be located across seas, there are procedures that our Government can take. What they are, I don't know, but people have to complain in order to get this done.

I contacted the state attorney's office and notified him. Since I called them back last night (the phone was answered with no ID message and then hung up), I was told their computer may have locked into my phone number, and they may use that information to make overseas calls with my number. I called the phone company to notify them. If you have called them, you may want to do the same

Voice recording (ILLEGAL IIRC) telling me to call a "Mr Freeman" before 6pm or some "action" will be taken against me.

Came from REGENCY ASSET MANAGEMENT at 1-877 591 7732.

Called back after having the phone put down on me repeatedly, I got some women asking for Jeanette (???) told her i was there was no one her of that name, nor any woman of any name as i was gay! She couldn't handle the rejection and hung up.

Oh and if you *67 your number they can still tell what number you are calling from.

Received my third call from Regency Asset Management from 877-591-7732

Message was as described above. From "Mr Yardley". Said to contact "Mr Freeman" about some generic business. Basically the same spiel as described above.

They asked me what phone number I was calling from. When I hesitated to provide that info (knowing that it is harmless to release phone number since they clearly already have it) the fellow became EXTREMELY rude, as described above.

When these folks call I figure it is best to social engineer them and get as much information as possible, so I play along. I have no debts, I have a good job, and I owe no one money, so I'm not worried about the possibility of any of these being "real". I know as soon as they call that it is fake/scam.

I began acting concerned that I owe someone money. I insisted on talking to Mr Freeman as the recording suggested. The fellow again became EXTREMELY angry and rude and insisted that though Mr Freeman is in the office that I am not ALLOWED to speak with him and I MUST speak to this person. His exact words were "I don't really care WHAT the recording told you, it is designed to get you to call back. You're going to speak to me!"  lol  These people are SO stupid that they even reveal the recording is designed to get you to call back in, which is a huge red flag (debt collectors do not operate this way by law).

After I gave him my phone number he put me on hold and came back and said they are trying to reach "Jeremy Craig". I said I don't know anyone by that name. He said "ok that concludes our call". I continued to be annoying and said "ok, is that it?" expecting him to respond that this was a wrong number or something, but of course he does not. I make him repeat everything he says up until he says "goodbye", just to be annoying.

Then I immediately came here to post, as this site has proven useful in the past.

Last week I filed a complaint against these people via the FTC.

I STRONGLY encourage everyone to do the same.

In fact, you should all call this number several times a day and annoy the rude people as much as they are annoying us. If they get flooded with crank calls then maybe they will quit?.

I also have been receiving the same types of phone calls & messages here in MN. past 2 weeks. Same type of messages as others noted in their emails about this phone number.  If you google this phone number, no such phone number exists ?  

I did report this phone number to MN Dept of Commerce , that agency is investigating my claim. The caller " Mr. Freeman" does not identify who they are calling for or what this is about ??   A valid business would leave contact info etc.  More importantly an individual would receive correspondence in the mail if this were a legitimate call or business trying to contact you.

Please don't call these scammers back, report ot your local agencies or police dept if someone contuines to threathen you or your family.

Julie,

Yes , report to your state's department of commerce or attorney general's office in your state. File a complaint with the FCC or local organization , in your state or federal level that oversee's debt collection.  Don't call these scammers or give out any personal info.  Also if these calls are threatening
to you or your family, save messages & file a police report.

I"ve received the third call from this business 9:00 this morning Oct 4th.  The first call was about 2 weeks ago and was from a Mr. Yardley.  I called back and was told Mr. Yardley was away from his desk, and the person that answered the phone stated that he could help me. What was so strange is that he knew exactly who was calling, and tried to tell me that my bank account was inactive, and that the bank could close it at any time. Fishing for information that I did not supply.  After going round for round he finally stated that he had the wrong person and hung up. Then Monday of last week I received a call from Mr. Johns, same recording, but different name.  I did not call back.
Today I received the same message from Mr. Freeman, same voice on the recording.  I called back and a women answered.  She knew who I was without asking my name.  Also it was the same problem, my bank account was inactive.  I told her that there are three people with the same name, and did she have the right one. Furthermore I wanted my name removed from the list.  She asked if the last four digits of my Social Security number was _________.  I stated no, then she hung up. Looks like these people can't take no for an answer. Look for a cal from Mr. Johns, if you received calls from Yardley and Freeman.

Got a call from this Freeman asking for some sort of information pertaining to nothing.  This guy is a con and a crackhead.  Don't bother picking up the phone.

This is definitely a scam.  The message is coming from one number and directing me to call another, they do not use my name or any other identifier.  I have perfect credit and no unpaid bills.  The caller indicates I have to call before 4 pm or else, but they called at 10 am and I am at work!  Plus, he said he was Mr. Ferdinand at the beginning of the call and Mr. Freeman at the end.  SCAM.  I will be reporting them to the do not call list immediately.

This is a scammer, wanted personal information... I got a message from Mr. Walton, ... I was neglectful in returning my messages... this is the only one I received... I called and they wanted private information, their answer was  they would call me to death... make my life miserable. I reported them to the FTC at 877-382-4357... Everybody do the same... also call you State Attorney General's Office

Your message, Sam, is a scam.  I do NOT have an account of us bank and have never heard of it.  So stop adding to the problem.  YOu must be part of that groupl

Also Adam       you need not get people to call that number.  Since there are more than one Sam, which I did not realize before I replied the last time, sorry if you you are a Sam that was just stating your prob.  If this number was legit, they would leave their real name, business, and info of the problem.   Soooooo, since they continue to harass people, it is ILLEGAL!!   Please do not answer any phone call when  you are not familiar with the number or name.   ALWAYS google the number and name and then report to FCC.  They have a form for  you to send via email.

got the same exact person an hour ago...i've blacklisted the number

YES  You can go to FCC.com   Fill out out their form and send on.  Very easy to do.