877-855-1624

I received a call from 877-855-1624 yesterday 8/17/10 on my job number, threating to garnish my check from a Mrs Gonzales, I returned her call on 8/18/10 she had all my information, she said that i owed United Cash Loans, from a loan in 2008  which i did get a loan and i paid them back, I told the Lady that i got a call 3 months ago from an irrate guy, saying the same thing, she said that my loan has gone up to 2400 and if i pay 790.00 by Sept 3 i would not owe anything,  They answered the phone as D and I Recovery system.  I told the lady i had all my paper work from United Cash loan and my bank statement, can i fax it to you to proove i do not owe, she gave me a number of 213-291-7977 to fax too, so i decided to call the number before i fax to see if it was a good number, guess what someone else answered D and I recovery, i was shocked, I explained to that lady, and she said well i can pull you up by the ref number i have to have Mrs Gonzales call you back, in the mean time i contacted united Cash Loans and they told me it was FRAUD, they sent me a letter stating I do not owe them.  Thanks United. Be careful yall, but they have my information and i do not like that..

That's the problem with JUNK DEBT BUYERS - they have no proof to back up their claims - and when they cannot collect it themselves - they sell it to ANOTHER junk debt buyer.

You know YOU can sue them for doing this?  Instead of waiting for the AG's to do something. SUE THEM

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

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

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/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

I received a call sayng this company was going to do a wage garnishment on pay saying I owe a payday loan from this company called elite payday. I have never heard of this company and they claimed they tried calling me and sent mail to my address and I never received anything. They were insisting that I give my bank information or credit card number and I asked them to send information and they claimed they could not because I owed something over $1500.00 and claimed they were going to do a wage garnishment of $130 but needed my information. They were very rude when I started asking what kind of company they were and one person hung up on me and I called back and asked to speak to a supervisor and when I said I would like their company information so I could report to attorney general and the supervisor started counting to three and hung up. This company has my mailing address and and my work address. They also told me to go get prepaid card and I could pay $300 and then they would work out a payment.

jud
I get a call from these people every few months, it was from someone in california, then when I called his number back and harrassed him, he stopped calling and someone named Taylor who is a lawyner from D&R recovery the number was 214-586-0699 back in 6/4/10. then today my husband gets a call at home while I am at work at 1-877-855-1624 and she needs me to call her back regarding a payday loan in 11/07.  I had identity theft in 11/07 but these people keep calling They never send any proof of anything but want me to settle the amount of 750. and if I don';t pay I will be arrested.  I think it is a big fat scam, why wouldn't I have been served something official, they have my home number and can find out my address pretty easy.  I will keep you posted if I get any more calls.

Found this on aol...

Filed under: Debt, Consumer Ally

If a debt collector calls and threatens to sue or have you thrown in jail unless you immediately authorize a payment from a bank account, hang up because it's a scam, says Illinois Attorney General Lisa Madigan.

Madigan has issued a consumer alert warning people to be on the lookout for scammers posing as payday loan debt collectors. They call and threaten either a lawsuit or even arrest unless a payment is made. The state has seen a rise in consumer complaints of these bogus collection calls in recent weeks. In most cases, the callers already have some personal information about the consumer, including a place of employment and Social Security number. They also say they have the consumer's bank account number on file and ask to confirm the number.

Madigan says the scammers use a variety of business names, including Morgan & Associates, Federal Bureau of Investigators, DNR Recovery, DNI Recovery, Legal Accounts Association, Department of Law and Enforcement, CashNet USA, America Legal Services, Quick Cash and ACS. Most of the names are fake, but some like CashNetUSA are real businesses.

CashNetUSA has posted a warning on its website about these scam calls and says it is not connected to the calls. The company urges its customers to contact their state's attorney general's office or the U.S. Federal Trade Commission if they get one of these calls.




See full article from WalletPop: http://www.walletpop.com/blog/2010/08/26/warn ... phere_copyright

They call me stating I had owe on account and I gave my info I believe I have been scammed

I received a call today from a Ms. Daniels claiming she was DNI Recovery and that she has a judgment against me in their office for writing a fraudulent check in the state of Texas and that they have an order to suspend my drivers license. Indeed I did have a payday loan about 6 years ago and maybe remained owing less than $100. But after reading all these post it seems that this is just a fraud.

I recieved a call from Mrs. Garcia and I was told that my  wages are going to be garnished for a pay day loan over 4 years ago.I asked them what their web sight was to make a payment, and her responce was we are a private collections company we dont have a web sight. After I started reading her some of your comments she got mad and said im going to start the process now

These idiots called me at work from 877-855-1624 claiming to be DNI Recovery saying I owed $1600 and would have my paycheck garnished. First of all, I never had a loan for such a large amount of money. The person named Kim didn't say what it was for and asked me to call to set up payment arrangements or settlement that can be paid with a credit card or debit card. Total jerks. I told them do not call me again and stop harassing me at work.

Thanks for the link.

i was contacted by this company, and made payment arrangements but decided to stop that, and i requested an email or letter stating who the creditor was and the amount, i have not heard from them and it has been 5 days.  So i stopped that debit card and requested a new one.

something about investigation of check fraud.

I got a message stated to call 1-877-855-1624 that it was matter that needed to be taking care of in ten days because in the state of Alabama and it was federal case. So I call and they gave me a spill about they was contacting me about a pay day loan I took out in 2007, and that it was now at a balance of 2300.00, and could make arrangement with me to avoid a garnishment of wages and they would get 25%. I ask what company and she said it does not say because it been through a lot of collections company. Then she says they been sending me letters, but you can not tell me who? and that is not true, these people waited three years to call you so they think your memory will be gone, and this will scare you to pay. I feld for this about three to four years ago and man who has a india voice told me I took out a loan, and I was at default and they were going to post my picture up for fraud and I will not be able to get another job, or drivers license and if I did not pay that day, it will be about 7,000 I will owe, so I BORROW MONEY TO PAY THEM CLOSE TO $800.00 AND GUESS WHAT THE ONLY PROOF I HAVE IS RECIEPT FROM WESTERN UNION , AND WENT TO WHO KNOWS WHO. AND THEY PROMISE TO SEND LETTER SAYING PAID IF FULL NEVER GOT THAT SO ONE THING I KNOW IF THEY ARE GOING TO GARNISH YOUR WAGES YOU WILL GET NOTICE AND YOU CAN GO COURT TO FIGHT AGAINST IT AND A JUDGE WILL MAKE THE JUDGEMENT.... SO I SAY BRING IT ON....

I got a call from DNI saying I owed 2500.00and had all my personal info, i know these people are frauds seeing I have never had the loan

I have been receiving calls from this so called company a few months ago.  The calls stopped by just today they are starting again.  I have already sued one debt collection agency through Krohn & Moss (they are excellent)!!!!  So after receiving these calls I had the law firm check into the calls for me and they stated that this company was a scam!!!  So I guess the next thing I will do is file a complaint with the FTC.

I keep getting these calls a work. a Ms. Stiles or Ms. Daniels. They say that I owe them money. And If I don't give them my bank account info they will garnish my wages. They have been asked my my supervisor not to call but they still keep calling. How can I get them to STOP????

they don't stop because they are stupid, ignorant, uneducated Ni**ers... yeah, I said it!   they think everyone they try to scam is as stupid as they are... I'm suing them.  My company is suing them.  They will NOT garnish your wages, or have you arrested... they are full of crap.

I received a call yesterday from Miss Daniels telling me to call DNR Recovery at 877-255-1624, but the caller ID stated 253-238-7944, regarding a wage garnishment.  Today I received a call from Miss Locker saying she was from United Recovery to call 877-255-1624 about a wage garnishment, caller ID stated 972-734-5400.  This used to be scam calles from people with heavi Indian accents.  Apparently they found english speaking people so it is not so suspicious.  THIS IS A FRAUDULENT SCAM TO GET YOU TO GIVE THEM YOUR DEBIT CARD INFO.  Please contact your attorney general for the state you live in to report this.  Do not give them any info.

they called me to with the same threats. did they garnish your wages or what has happened