888-217-2701

im sorry i just dont get it? these people are just trying to  do a job,if its the wrong # just call them back and tell them they have the wrong # if its not try PAYING YOUR BILL!

WHY CANT U BE SUED AND THEN MAKE PAYMENTS TO BUFFALO,ILL BET YOU BOUGHT THAT FLAT SCREEN TV IN TEXAS THAT DIDENT PAY FOR ,BUT IF YOU HAD MADE THE PAYMENTS TO THE CREDIT CARD COMPANY THE PROB. WOULD HAVE GONE TO A DIFFRENT STATE AS WELL,I GUESS YOU NEVER PAID CICI BANK OR WHOEVER BECAUSE THEY WERE A FRAUD ALSO,PAY YOUR BILLS!!!!!!!!!!!!!!!!

so let me get this straight your not paying ypur bill because the at least second company to try and get you to pay a bill you owe doesent have a high enough grade w/ the bbb,that would only make sense to  a DEAD BEAT !  PAY YOUR BILLS!

YOU RAN UP A BUNCH OF BILLS AND ARE NOW GOING BK SO YOU DONT HAVE TO PAY ANYONE BACK AND YOU HAVE THE NERVE TO CALL SOMEONE TRYING TO GET YOU TO PAY IT A SCAM,ONLY DEBTORS THINK THAT WAY
PAY YOUR BILLS!!!!!!!!!!!!

FRIST THANK YOU FOR YOUR SERVICE! I AM ALSO A COMBAT ARMS VET.HAVING SERVED OVER 6 YEARS ON ACTIVE DUTY IN THE US ARMY. AND I WOULD LIKE TO TELL YOU IT SHOULDENT MATTER THAT YOUR ON ACTIVE DUTY OR NOT THE RIGHT THING TO DO IS PAY YOUR BILLS

GARY, stop yelling. Reading the last post have some sort of heart let it go man. If someone is on active duty give them a chance to apy their bills now. We should waive some of the late fees and now they know they have to pay up. SO why not let them. I am on your side, however play it right don't give all of us bad rep.

The US Army should be ashamed of itself for training soldiers to be debt collectors.

Contact your bank to acquire an ACH Stop Debit form. Fill it out and return ASAP. They will stop the company from debiting your account due to illegal activities.

who is this company? DID ANYONE GET SUED?

I HAVE BEEN HERE IN THE US STUDYING ECONOMICS AND IN CLASS THE CONVERSATION OF THE DEBT OF THE US CAME ABOUT. I WAS VERY SUPRISED HOW MANY AMERICANS RUN UP BILLIONS OF DOLLARS IN DEBT TRYING TO AFFORD ITEMS THAT FAR EXCEEDS THEIR FINACIAL MEANS. THEY LIVE WHAT THEY CALL THE AMERICAN DREAM AND THAT IS WHAT IT IS. A DREAM. NOT CONSIDERING THE CONSEQUENCES OF LOOSING EMPLOYMENT OR TAKING ILL AMERICANS LIVE FOR THE MOMENT. WHEN THEY ARE DERAILED FINACIALLY AND ARE UN ABLE TO PAY THEIR DEBTS THEY LOOK TO BLAME EVERYONE ONE ELSE FOR THEIR SITUATION INSTEAD OF LOOKING TOWARDS THEMSELVES. YOU AMERICANS BLAME WALL STREET AND THE BANKS FOR YOUR ECONOMIC WOES WITHOUT REALIZING YOU ARE THE PRIMARY REASON WHY YOU ECONOMY AND YOUR ECONOMIC SITUATION IS AS IT IS. PEAL OFF YOUR SELFISH DISPOSITION AND CONSIDER FOR ONE MOMENT THE TRILLIONS OF DOLLARS FINACIAL LENDING INSTITUTIONS LOOSE ANUALLY BECAUSE PEOPLE, AMERICAN PEOPLE IN PARTICULAR FAIL TO MEET THEIR FINACIAL CONTRACTUAL OBLIGATIONS EVERY DAY DUE TO THEIR OWN INABILITY TO MANAGE THEIR FINANCES. AFTER DOING SO THEY WANT A BAILOUT FOR THEIR OWN FAILURES, AND REFUSE TO LIVE UP TO THEIR FINACIAL OBLIGATIONS AND HIDE BEHIND ANYONE OR ORGANIZATION THAT WILL LEND THEM A SHOULDER TO CRY ON. IN MY COUNTRY WHAT PEOPLE LIKE THAT DO IS CALLED THEFT AND PUNISHED VERY HARSHLY. THE AMERICAN ECONOMIC CONDITION IN ITS PRESENT STATE IS INDICATIVE OF THE AMERICAN PEOPLES FAILURE TO LIVE UP TO THEIR OUWN FINACIAL OBLIGATIONS. NO ONE HAS PLACED A GUN TO THE HEADS OF THE AMERICAN PEOPLE TO SIGN ONTO LOANS WHICH THEY KNOW THEY COULD NOT AFFORD IF THEIR ECONOMIC CONDITION CHANGED. GREED AT ALL LEVELS IN AMERICA HAS PUT ECONOMY IN ITS DIRE CONDITION. SO I SAY TO THE AMERICAN PEOPLE. FOR ONCE IN YOUR SELFISH LIVES, STOP POINTING THE FINGERS AT ONE ANOTHER. LOOK INTO A MIRROR, ANY MIRROR AND ADMIT TO YOURSELF THAT I, BEING YOU HAVE PLAYED A HUGE PART IN THE CONDITION OF THE ECONOMIC FAILURE OF YOUR COUNTRY. AFTER DOING SO PAY YOUR DEBTS, OR AT LEAST MAKE AND HONEST ATTEMPT AND STOP BEING SO SELFISH.

Got a call from these guys stating it was very important that i returned their call or legal action would be placed on me so i called em back and spoke to a mr. John Smith. he said he was calling in regard to an HSBC credit card i had back in 2004. H said i owed $1210 but i was certain it was paid off so i told him sue me. 4 week later a got a garnishment order form the HR dept for twice as much what he told me i owe. HR said the order was legit. what should i do.

These people have been calling me for weeks. I aready knew it was from a collection agency because the call was coming from an 800 number> In particular 1-888-217-2701. I finally called them and set up a payment arrangement with them to satisfy a bill which they said was placed in their office for collection. Then i missed one of my payments with them but i had already may 6 paments. Then I found this sight and other like it where some said i could reverse the charges which i had my bank do. Then i got a call from a Mr.Davenport who said he was in the fraud dept of Hearshe Kemp. He asked me if i had the payments reversed and i said yes.Then he said did i agree to these payments with a Mrs. Judd and i said i did not remember. He told that that i did because he had the conversation recorded and that all of their trans actions are recorded. So i said whatever and hung up, not realizing they had an office here. Now im being sued for fraud and stating false information to a finacial institution in regard to a credit card debit. Can they really do this. I can't afford to pay an attorney and now the bank has closed my credit card account. This isnt right

My advice to you Kathy is very very simple. PAY YOUR DAMN BILLS. Its because of people like you why people like me who do not live above their means cannot get a loan for somethimg more important than breast implants and now can't get one cause the banks are terrified that every one is a dead beat like you. Pay your Bill and you won't have these isues. DUHHHH!!!!!!!

"Josh"--

Your so-called "advice" is neither helpful or called for. You are also making boorish generalizations about an individual you know nothing about. Furthermore, it is Davenport's behavior that needs to be called into question here, for HE is the one who has broken the law by making false statements and accusing this lady of fraud:

807.  False or misleading representations  [15 USC 1962e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

2) The false representation of --

(A) the character, amount, or legal status of any debt...

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

http://www.creditinfocenter.com/legal/FDCPA.shtml#807

Kathy--

Needless to say, they CANNOT sue you for "fraud" and "making false statements". Davenport is the one who is in trouble, and NOT you!

First of all, stay OFF the phone!

Second, go to the the FTC's website and file a complaint:

https://www.ftccomplaintassistant.gov/

Third, send them this letter VIA certified mail (with return receipt requested), demanding validation of the debt. By law they must furnish proof that you legitimately owe this debt, or they get NOTHING:

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

 
Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

If they refuse to validate this alledged debt and continue calling after you have written proof they have received your letter, you can sue the $#&! out of them for FDCPA and FCRA violations.

You do understand that it is illegal for them to call you at work right?  They are not permitted to call you at work because they are "jeopordizing your employment".

If they are claiming to be a collection agency, or a law firm representing a collection agency, and they are not shown on your credit report... DON'T PAY THEM, IT IS A SCAM!!!!

Well Mr. Little Rascal Alfafa, read what Kathy said. She gave the company
permission to debit her account and then after it was all paid up and she probobly got a letter stating her debt was paid. She then claimed then reversed the charges. If that isnt fraud then I dont know what is. Once you authorize a credit collections company to debit your account isn't that admisision tot the debt. Why do you think her bank closed her account. So Alfafa it seem your advice is only going to get people who really want to clear up their debts in more hot water. Think you should get sued for dishing out advice to people before you truly know all the circumstances. By the way are you any attorney. Nah ...didnt think so, your just another debtor who use the laws to get out of pay ur bills. Go figure...............LOL

Well Josh I have to say I agree with you. But not to worry. If and when this economy turns around, all the people who claim to be victims of unscrupulous debt collection practices wont have to worry because they will not be able to get a loan any where of the face of the planet with the new banking regulations which are current being drafted and hopefully put into law. I wonder if someone owed them the amounts of money which they owed their creditors, to what means would they got to recoup their money. Sure they probably be shooting one another. So much for the middle class in America. There really is a middle class. Just poor souls with decent pay trying to portray themselves as successful. What a shame!

Hi guys this is my situation,

Recently I reviewed my credit report and found out that I had a collections account, I called the company and they said they no longer have the account and that it has been send to this so called hershey and KEMP, has anyone of you checked your credit report to see if they DO report to the bureaus? Because if they don't then you should NOT pay a cent to them..

I also had an account which is is in default and on my credit report. It listed the original bank which i had the loan with but when i called the bank to pay the bill they said they no longer had the debt in their office and that i could not pay them the bill. I asked them who had my account and they said the same company hearshy kemp llc. They said if i wanted to remove the bill from my credit report i would have to call these hearshey kemp poeple so i did. They did have the bill in their office so i said what do i have to do to resolve this matter. They wanted me to pay all of the bill at first but then i asked can i pay a smller amount or a settlement as it is called. After going back and forth for about two days i finall got them to give me a settle payment for about 30 percent less than what i actually owe. They also sent me a letter saying that the bill is paid but it will be about 30- 45 days before they remove it from my credit report so ill see what happen