877-591-7732

The call   received was from Mr. Watson and that we needed to call them before 6 pm.  I called and they asked if I was a certain person.  Which happens to be my x sister in law name.  I let they have it, and told them to never call this number again.  Now after reading all these posts I'm gonna report them.

The call   received was from Mr. Watson and that we needed to call them before 6 pm.  I called and they asked if I was a certain person.  Which happens to be my x sister in law name.  I let they have it, and told them to never call this number again.  Now after reading all these posts I'm gonna report them.

The call   received was from Mr. Watson and that we needed to call them before 6 pm.  I called and they asked if I was a certain person.  Which happens to be my x sister in law name.  I let they have it, and told them to never call this number again.  Now after reading all these posts I'm gonna report them.

It is a scam!!!!! I have never had acct with us bank!!!

I got a message from this Mr Walton as well.  Based on these posts, I am not calling back.  Same MO regarding call by 6 or they will proceed.  They stated a file of ours was sent to them without our knowledge.  And that they have called our house several times.  This was the only message I got from them.

I got 2 calls from 877-591-7732, the last one this morning.  This one was the more threatening of the 2 indicating I needed to call back before 6PM to a Mr. Warner or his assistant.  
A) No mention in the call as to WHO THEY ARE CALLING FOR.
B) No mention in the call of WHAT ACCOUNT NUMBER THEY ARE CALLING FOR.

Did mention that we are not responding to calls and they will be taking legal action against us, if they don't receive a call back today, and when I called back it goes to a message machine with no REAL person answering the phone.  I am disgusted here, if I receive any more of these calls, will be contacting my phone company or better business bureau.

2nd call in as many weeks.  "urgent" harrassing tone, MUST call back.  Not his girl.

We have been receiving these phone calls too.  Almost daily.  Contact your Attorney General Office and put a stop to this harassment.

an ILLEGAL UNLICENSED DEBT COLLECTOR

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=7431
Regent Asset Management Solutions, Inc.  
7290 Samuel Dr Ste 300
Denver, Colorado, 80221
www.ramsna.com

an ILLEGAL UNLICENSED DEBT COLLECTOR

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=7431
Regent Asset Management Solutions, Inc.  
7290 Samuel Dr Ste 300
Denver, Colorado, 80221


www.ramsna.com


--------------------------------------------------------------------------------
Phone No.  866-809-6415 800-304-3783 303-487-5400 303-296-2101 877-591-0433  
Fax 303-297-9140  

 Michael A. Scata, President Dennis Scott Carruthers, Attorney (CA), Collector



Notes
BBB Rating "F" TERRIBLE letters, making threats of lawsuit and lies about investigating assets. No license or bond found, collecting illegally. Letters state..."NOTICE OF PLAN TO REFER ACCOUNT TO ATTORNEY FOR FAILURE TO RESPOND TO NOTICES." This organization appears to be clueless about what they are doing. AVOID THEM!  
Aliases Other Locations  


Overland Park, KS Stanton, CA (Law Office D. Scott Carruthers)  



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 did call them over and over again for about 5 minutes strait.  Got a different person every time and after a while they wouldn't say hello or anything, the disconnected me immediately!  How funny!!! They swear they are a debt collection aganecy called Region Asset Management but have no company contact info ro website!  Who today doesn't have a website?  How dumb do they think people are. I told the last girl what a joke it all was and how she should be ashamed to do her "job" but she is the one who has to sleep at night with it, not me.  What goes around comes around.

I've been getting calls from this number for awhile now. I haven't called back, I and don't plan on it. Because of my age, (which will remain unstated) I talked to my parents, they said I should call back to see what this is all about.
Anyway, the FIRST voicemail I recieved Said that "I must call back, or they will continue without my input." The second, "-muffle muffle- message in its entirety and correspond. A file of mine has been transmitted to this person's office (They never stated a name) prior to this date. That he 'assumes I am unaware of.'" This person says he has gotten someone to contact me in reference to this matter, but has been informed that after numerous messages left on 'this recorder' I have been neglegent to correspond. "Due to the unseccessful attempts, he will have to advance forward with the asessment proccess if I fail to contact him by 6 pm at this number. My input and participation are essential, but he will move forward without. When I contact, I should ask to speak with Mr. Walson or his assistant."                                                                                                                            
Is there a way to get them to stop without calling them back?

FCC does not handle this.  The FTC handles scams and so does your State Attorney Generals Office.

Have been getting calls on my answering machine for nearly a month now.  Do not know the guy that is calling so today I called him back.  He was calling for my son who does not live here anymore.  He THREATENED ACTION.  Someone should arrest this man.  I could not understand his voice to well but I think his name was Mr. Walton??  I cannot see any reason to call this man back as my son has no assets period.  So Mr. Walton or whatever your name is KNOCK IT OFF PLEASE????!!!!!

My grandfather who is my mothers ex father in law. got a call to day from a Mr. Walton claiming my mother has a delinquent loan from U.S. Bank but she has never had a loan from them when he told me about it i had her call after i read this thread of posts and when she asked what it was about they wouldn't tell her and kept demanding her social security number he already knew the last 4 digits. i told her to tell him she was calling the state attorney general and they hung up on her. we are reporting it right now she is on the phone. the nerve of some people and the lengths they go to scam innocent people!

they called same MO - regarding a claim-- demanding a call back by certain time --- name of person left not threre but other person looking for a Susan --- no one lives at my # by that name and then I was hung up on when I demanded they take my # off their info for this Susan person
called back to make sure my # would not be associated with a Susan L and was told I had no right to be rude to Them!!!!!

They are on a fishing expedition to try any # for a last name that matches even if the first name is incorrect and then have the nerve to be rude to innocent people who happen to have the same last name as a deadbeat ---Isn't there a law against this ??

Yeah my mother who I have NEVER lived with has been getting phone calls from this number and multiple numbers saying they are the same business for weeks now. At first they were calling and asking for my EX husband and then today called and asked for my name. My mother has been calling frantically for us to call them back. My ex husband did and they started fighting over the phone with him about where he had worked when he was 16, that he had a warrant out for his arrest and all sorts of dumb stuff like this. I did not call the number back after reading this forum because it is absolutely ridiculous. I did however contact my attorney generals office and my bank and they both said that action would be taken. The funny thing is, whoever started saying that this is a USBank collector is full of sh**!! My dad works as a Branch Manager at a USBank and has spoken to me about this.....This is NOT a USBank collector....because.....USBank has its own collecting department!!!!! My dad told me to not call this number back b/c they might have information on me that I won't want to find out, but to contact the federal and state authorities. I've already done so and I hope what I have said will save those that are getting hurt by these scammers!!! Good luck and God Bless!!

twice i received messages saying they had attempted to call on several occasions and that a file had come accross their desk of mine that I might not be aware of.  how do I block this kind of nonsense

I've been getting this very same message at work.  If I don't reply to Mr. Watson by 6:00 p.m. they are going to proceed.  I called this number back and asked what company I was talking to and the man hung up.  Scammers.  The man barely spoke english....

Oct 2/2010 recd call from 877-519-6012 - a recording- something to the effect  My name is __?__ (so fast didn't get - from __?__ firm. said I contacted them (never) and that their associates have been trying to contact me , that I must call  the # and get back to him by 5:00pm or my file will be deleted from their list.
    smelled like a scam I didn't respond but tone of voice and urgency bothered me
Oct 5/2010 recd call from 877-591-7732 same deal, recording, name "Walter" I believe, different message but because they could not reach me I must call the number by 6:00 PM this time to answer the necessary questions and take care of this problem ---something to that effect.   Obviously they didn't through out my "file" what ever it is.  

Didn't know who to contact about this, and I have read about the dangers of calling unknown numbers, ie. then I really would have contacted them. Thanks to Google and your site, I now know that this is truely a scam.       Thank you ever so much.