877-763-1708

Left a text message about a debt

Unknown calls from this number and texts numerous times

"(NAME IN ALL CAPS), your account is overdue. Fees and penalties are pending. Please call us at 877-763-1708 for your options. Reply "STOP" to opt-out." I have received this text multiple times and have no idea who this is from. Google provides nothing for the number.

Text message about legal action:
ROSELLA despite prior contact; we still have no resolve. There is no other choice but legal action. Contact us at 877-763-1708. Reply "STOP" to opt-out.

QUASIM ALI, (which is NOT my name) we have not made contact for your outstanding account: MB1511171. Call 877-763-1708 to avoid legal action and discuss your options. Text came from 225-437-2236.

Sally Allen's, called from  877-763-1708,,,,I had a missed called from this number,  when I called she stated that they don't have any information about who called and what the account pertains to, however she provided the phone number to call,  so somewhat this two people  are connected,  the number to call was 833-883-2216, they had the wrong address,  but I freaked out and corrected in their end,  this person is called Kevin Lyles and works for Hart Associates.... apparently the name of the company is Vanguard.

Sally Allen's, called from  877-763-1708,,,,I had a missed called from this number,  when I called she stated that they don't have any information about who called and what the account pertains to, however she provided the phone number to call,  so somewhat this two people  are connected,  the number to call was 833-883-2216, they had the wrong address,  but I freaked out and corrected in their end,  this person is called Kevin Lyles and works for Hart Associates.... apparently the name of the company is Vanguard.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

IMPERIAL CAPITAL GROUP AKA HART AND ASSOCIATES

No website found or listed.

BBB gives them the coveted F rating with 2 unanswered complaints and 5 negative reviews as of 5/21/2024:  https://www.bbb.org/us/nc/china-grove/profile ... c-0473-92027856

North Carolina Dept. of State info:

Legal Name
Imperial Capital Group LLC
Prev Legal Name
Imperial Preservation, LLC
Prev Legal Name
PARAMOUNT PRESERVATION LLC
Information
SosId: 1127419
Status: Current-Active
Date Formed: 12/10/2009
Citizenship: Domestic
Annual Report Due Date: April 15th
Annual Report Status:
Current

Registered Agent: DiMusto, Jonathan
Addresses
Mailing
230 Cherry St
China Grove, NC 28023
Principal Office
230 Cherry St
China Grove, NC 28023
Reg Office
230 Cherry St
China Grove, NC 28023
Reg Mailing
230 Cherry St
China Grove, NC 28023
Company Officials
All LLCs are managed by their managers pursuant to N.C.G.S. 57D-3-20.
Member
Jonathan DiMusto
230 Cherry St
China Grove NC 28023

Looks like they operate from their kitchen table:  https://www.google.com/maps/@35.5565493,-80.5 ... i8192?entry=ttu

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation. It also must contain the “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this communication must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general