877-641-4440

This number belongs to G Reynolds Sims & Associates, Pc. Located in Troy, Michigan. Their address and office phone numbers are 2075 Big Beaver Road, Troy, MI 48084-3407. (248)643-4440 or (248)643-4465. This is a law firm engaged in debt collection and skip tracing activities. I couldn't get a live body using the 877 number to advise them that they had a wrong number and they have been calling incesantly with their automated messages since January. I finally reached a live person today at the first number listed above and was told thay they would remove my number from their database.

Mrs. Bailey desperately needs to get word to Jeff Barnes today... it is so urgent.  She is supposedly from an attorney office and could I please help her.  

I don't know these people.  She left her phone number and extension too:

248 643-4461 was call coming in.  
877 641-4440, ext. 531 was message to call back to her number.

CALL LOOKING FOR ME AND OR SOMEONE THAT CAN GIVE THEM MY MAILING ADDRESS
RETURNED CALL AND PERSON COULD NOT BE LOCATED WHO MADE THE CALL.  HIS
NAME WAS DALE GREB SO HE SAYS.   WATCH OUT FOR THIS CRITTER.
THERE IS FRAUD RIPOFF REPORTS ALL OVER THE NET ABOUT THIS COMPANY.  LOOK IT UP.

I have received 2 messages from the same guy but can't make out his name each time.  They leave the firm name and number, however, they do not say what the call is about.

I NEVER call any company back without knowing what the call is about.  If they are in fact a debt collector, the norm is to send you a letter first - not a call.

I WORK THEIR THIS IS A LEGIT COMPANY AND PER FEDERAL LAW THEY/ WE ARE NOT ALLOWED TO STATED WHAT THE CALL IS REGARDING ON A VM, WE DO SEND OUT LETTERS HOWEVER IF WE DONT HAVE A GOOD/ CURRENT ADDRESS DO TO THE FACT THAT  PPL MOVE ALL THE TIME AND CHANCES OF THEM TELLING CREDIT CARDS THAT THEY OWE WHERE THEY LIVE NOW ARE SLIM, MY ANSWER CALL BACK AND PAY UR BILLS OR UNFORTUNATLEY YOU WILL HAVE LAWSUITS PENDING AGAINST YOU.

If you truly work there, maybe you should go back to college or even high school and learn how to speak and write proper English.  You must work there because you couldn't find a real job.

Called today, I called them back to ask what the call was in regards to and they asked for my SSN and I refused and they told me they have it anyway... uh, then why did they ask me for it? lol.. I have no bad debt.. i was just approved for my second mortgage in a year... lol... uh, wtf?

DEALING WITH DEBT COLLECTORS AND THEIR ILLEGAL COLLECTION TACTICS


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

DO NOT DO BUSINESS WITH THIS COMPANY!!!  
I settled a debt in full with them.  I made my payments as agreed, but they neglected to notify the creditor that this has been settled.  They will not send me a letter stating that this has been "settled in full".  They say they have mailed it to me 4 times, but I never received it.  I asked them to fax it to me, now they are telling me that a manager has to type the letter (this letter should have already been typed).  Now they won't take my phone calls.  I am filing a complaint with the Attorney Grievance Commision.  Their actual number is (248) 519-0016.

I have been dealing with G Reynolds Sims for over three years.  Two years ago I lost my job and negotiated a lower monthly payment.  They called me a few months later to tell me it wasn't enough.  Since that time they have garnisheed my bank account every 2-3 months for a total, now, of over $2,000.  My only income is unemployment and I live pretty close to the edge.  Each time they "raid" my account somthing else goes unpaid.  I'm now 2 months behind in my rent because they've dipped into my account monthly since the beginnning of the year.  

I'm no longer sure of the original loan amount nor what it was for.  I've written them repeatedly but they have not deigned to reply.

It is quite annoying situation with these people that they are saying that they are legal debt collector. I make a payment arrangement to them and pay my bill and im asking them to send me a copy of the statement but the never send me one. i ask them send me a original copy of the paper work what im paying for and then they keep saying that they already send me a couple...I never received one.

I am a current client with this firm and they are legit and will take you to court if you don't make good on your payments...I was taken to court and am now paying on a debt I did owe at a monthly rate that I can afford and the judge agreed to...they can no longer contact, per the court, except if I miss a payment.  I have spoken to the "corrupt" collectors and have been putting together cases against them, but this is a real law office and they will take you to court to get the debt you owe.

Screwww you, you and your company are dirt bags. You better hope you never get laid off & have to struggle to make ends meet like millions of Americans!

fyou

current mad client

I did my part after being told they will take me to court and take everything I had.  Harassing me every day after day.   Telling me I am a bad person because I couldn't pay my bills.  They are corrupt collectors.  I have been trying forever to get a hold of them.  No one will answer they telephones.  I am reporting them.

I have contacted this office in regards to a legal matter that our office is handling. Normally other law office employees are friendly and polite. Today, I spoke with a person named John who was very rude to me and stated "I don't know where you get your information from." Well, from the Client of course! I will remember this office the next time I have to contact them and I will treat the employees there as they have treated me. LIKE [***]!

This agency has been calling me regarding my debt, but I am not sure if they are legit. I am currently unemployed and don't have much income coming in so I can only do low monthly payments, which I would be willing to do if this company was okay. I just don't want to give out my account information and pay something off to have it turn out to be a fraud company. My gut tells me that they're not completely legit and I am bothered by it. They won't send me any info regarding their company, they just gave me a phone number and that's it, when I spoke to the reps, they were extremely rude to me pressuring me to give them my checking information. When I told them I need time to think about it, they became angry and started calling me everyday, not giving me anytime to think about it. My concern is if I pay off my debt will it go off my credit history and if this company is legit, I'm just not sure.

They are now using a different 877 number....it's 877-632-2945

I just got two phone calls from this company today, left no message.  If they are debt collectors I have no idea why they are calling me.  I have NEVER been in debt.  I have been getting phone calls from various debt collectors looking for someone that I have no idea who the person is.  When I tell them to stop calling, the calls stop for a while then another debt collection company begins calling again.  I am so sick of these phone calls I'm tempted to change my number.  What a hassle I'm getting for somebody else's problem.

Why don't you learn how to spell?  You work THEIR?  It's THERE, dumbo!!  What a classy law firm hiring morons who can't even spell!!!