877-725-0245

I had an interesting call from this number.  The caller first called my dad stating that they had sent paperwork and that my wages would be garnished.  When I called the number I got the number being forwarded to a forward.  The next day I called someone actually left a message.  When I reached a person I was placed on hold after communicating that I had dealt with this issue not only once but three times.  He stated that I needed to file an affidavit of fraud for something that was done in 2004.  He stated he was going to help and then he placed me on hold and never returned.  Beware, after calling the local police fraud division I was told that what was being requested was inaccurate.  Caller stated he was calling from Hartford and Associates

As always, the burden of proof is on the debt collector to show that not only do you owe a debt, but that you owe it to them.

I got several calls from this company. I told them i cant afford to pay anything. They said i have a judgment which i was never notified. I never remember receiving the summons. They threatened they were going to garnish my wages. I got a (WG-02) a wage garnishment letter from my H/R. Today i just got my bank frozen can they do that!!? Can anyone help?

Stinks of desperate shill with a touch of urine-soaked boiler room.

Does stink! apparently they can.

I got a call from my Human Resource Department stating i am getting garnished by this company. I called the number they provided (877)725-0245 and no one answered. I had to call 3 times to get someone live! Finally i got someone live and spoke with manager. Said "no point in calling back now". First of all i never received a call from them. The number they had for me was an old cell phone i had 2 years ago!

You must be served with court papers before they can take money from your bank or garnish  your wages. You need to speak to a atty.

Sue what happened so far? I just got a call like that today!

Nothing.. Sue is a Shill for the scam!
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

And see:

https://800notes.com/forum/ta-86217073a9c8dad ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
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Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
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A Collection Agent May Not…

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer’s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

This number called me at work asking for my supvervisor. Apparently they wanted to deliver a summons. Does anyone know what is is about?

I got a call from my HR department yesterday stating that I must call this #877-725-0245 because they where going to serve me with papers for a civil lawsuit. I called back and was told this was an attorney's office. They told me they were in the process of filing the garnishment papers but I could pay them right now! I don't have the money to pay them and don't know when I would have it. They said they would freeze my account if they had too. I asked him to not call me at work that I would call when I got off however they called back again this time the guy was the supervisor of the first guy I had talked to. If they call me again at work can I hang up on them, I can't have personal phone calls at work.

Print this page and show it to your HR department and to your supervisor.  Give them the link to this site.  With a little luck they will believe you when you say you don't own any money and you are not able to stop the calls.

Sue you obviously work for this company. Please know your laws before you try to post something on here calling your company legit. No company but a goverment agency can freeze someones bank account. You would have to have an asset search done first and a judgement filed long before but good effort to try to deceive even more. SCAMMERS

Scammers.  First of all, they violated the FDCPA by calling your supervisor and disclosing the reason they were calling.  Secondly, no one gets a heads up that a summons will be served - the court process server just shows up.  Report the caller to the FTC, FBI, Dept of Justice and your state's Attorney General.  And NEVER pay any caller who refuses to mail proof that you owe a debt and that they have the legal right to collect said debt.  That is another violation of the FDCPA - the burden of proof is on the collector to prove you owe them money.

These punks called my work today and told HR they were going to serve me at work yet they have completely failed to provide and documentation of who they are and the purpose of their over bearing calls.
Anyone know if they can legally call your place of work and harass or "serve" you there?

They called me today at work asking for my director, who happened to be out of the office today. They wanted me to have her call them back so they could get information to serve a summons on an employee (me). I told them they could talk to me because my director would not be calling them back. Then they told me I was breaking he law if I didn't deliver the message to her. The also mentioned at the beginning of the call they were with Independent Process Servers (IPS) a software delivery company. I called them back and asked the name of the business & they gave Hartford & Associates, then I asked for their mailing address and they refused to give it to me. I can't file a complaint with the State Attorney's General Office without their address & they redirected the conversation back to "we just talked to you and you need to have your supervisor call us" at which point I hung up on them.

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

•is seeking payment on a debt for a loan you do not recognize;
•refuses to give you a mailing address or phone number;
•asks you for personal financial or sensitive information; or
•exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:

•Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.•Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
•Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
•Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
•Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

I was able to file a complaint against Hartford & Associates 877-725-0245 with the Consurmer Financial Protection Bureau without their address. Will see what happens.

I got a call from number 8777250245 on my cell phone. It showed up as unknown but they left a message. First the message was from Matt Johnson about a property in my name (Ive never owned a property) then when I call back I get a Rob Brooks from Hartford and Associates and he says its about credit card that has been in collections. First its about a property now a credit card make up your mind! This credit card that he spoke off has been charged off. He said a judgment was being filed to garnish my wages. First of all, in most states you cannot garnish wages for credit card debt. And there has to be a judgment, I have to be served, appear in court etc for them to be able to garnish my wages, that is definitely not something that is done overnight. So I told him that the call is being recorded, I told him that when I looked up this number it appears to be a scam, and told him my research about garnishing wages and he said, have a nice day and hung up on me. Hmmm...something I just don't see a real lawyer doing.

I to got a call from nick saying I had a credit card opened 3 years ago in collections and they were serving me papers at work he also told this to my supervisor the number is 877-725-0245 I told him I never had an account and certainly not in the last 3 years he told me I was a damn liar and they were going to sue me. I told him to cease and desist any communication that was not through the US mail he said they mailed several letters and someone was opening my mail and throwing it away. [ and just how would he know this] then wanted my email I told him I didn't have one. they continue to call and leave messages when I called the number back they answer corporate when I ask "corporate of what company" they say its just corporate. I called after 10 and got a voicemail and it says Hartford and Associates. This "Nick" was pretty pushy and demanding I provide my checking account info t him I told him this is not mine and he's not getting anything. He said well we will just serve papers on you then! First of all I don't have any credit cards and second this is illegal as it can be! I am contacting my AG's office and the FTC! beware never give out your information!