888-217-2701

WATCH OUT FOR THESE NUMBERS AS WELL THEY WILL CONSTANTLY TRY TO REACH YOU.

yes the record the calls - and THEY EDIT THOSE RECORDINGS to say exactly WHAT THEY WANT IT TO SAY -    So if you say YES to a simple question, but NO it is not your debt - they edit the recordings so it appears that you said YES it was your debt.  

You are correct that you should be careful there a lot of people out there that will deliberately tell you bad advice about debt collections - they are usually from the debt collectors.  

But YOU and only YOU are responsible for the CHOICES YOU MAKE - not that the advice was good or bad,  You made a choice not to do the research on your own and you got screwed for it.  No one to blame but yourself.

I myself read the boards and DO THE RESEARCH MYSELF!  That is how I found this information (note my references to double checking your own state websites!)    

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY
Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

I have had nothing but harrasment from this company.  They actually charged a credit card of mine without authorization.  I filed a complaint with my local police and they have informed me that a misdemeanor has been commited.  Granted it not a serious crime, but they will be charged.  We need to get a class action suit against this company.  Anybody who wants to get on board let me know.

Hearshe Kemp, LLC
11 Summer St
Buffalo, NY 14209-2256
(716) 863-4868
hearshekemp@endebt collect.com

I think some of their reps work from home.  But here is the most information I could find. If are in financial hardship and are receiving harrassing calls from them, send them a cease and desist letter via certified mail. That is the legal, valid way to get a debt collector to quit harassing you. Arguing with them over the phone does no good at all. Send the letter. It won't make the debt disappear and your credit will suffer, but you won't be harassed via telephone.

I was on vacation the first week of July with my mom and Mr. Jason Burke called my MOM and left a message saying that he was an investigator and it was urgent that he talk to me regarding an online loan I took out 3 years ago that I swore I paid off!

But I doubted myself and went and gave him my card info and set up payment plan for a total of nearly $300.00!!

They debited my account for payment #1 and I became suspicious when he called me back stating that the payment never went through when I know for a FACT it did!!! To make a long story short...I have spoken also to a Mr. Baltrow and these two could not get their stories straight as to they got the payment or not!!

I went online and this is where I stand...SCAMMED!!!!!!!!!!!!!! I never thought this would happen to me!! But how in the world do they have my mom's cell number?? I am thankful I found out what I have before they robbed me of another $200!!!! We need to do something about these SCAM ARTISTS!!!!! They claim to be from New York and have attitudes!

I have been threatend with arrest and taken to court!!! I am in Illinois. Anyone have suggestions as to what I can do besides CLOSE my account and change my number??

I was contacted via mail, and responded over the phone. I spoke with a Mr. Grivas whom claimed to be an attorney. He stated that he was going to sue me if i didnt make payment immediately.
I was scared of being sued, so i authorized Mr. Grivas to charge my account once, again i repeat once. I agreed to make one payment of$200.00 and a second through a a money order for $191.00. When i called Grivas back for an address he informed that he had already put the transaction through, via my debit card info from the first time.
I asked to speak with Human Resources or a Manger in order to clear up the mistake. Inturn Grivas became angry and very evasive. He hung the phone uo in me and when i called back stated that he had nothing to say to me.
iTS UNFAIR THAT I WAS STIFFED FOR $391.00.

Anthony - they basically stole $191.00 from you. For one, you should file a fraud/theft report with your bank. If you didn't authorize the debit, then they stole it. Secondly, report them to the FTC and your Attorney General's office. He probably wasn't an attorney to begin with and those threats are illegal.

Anthony,
I misunderstood your post. Did you actually owe them a total of $391.00? And did they provide you with proof of the debt? Also, did you mail the money order and did they keep that? If so, I still think you should contact your bank and the other agencies.

I spoke to Mr. Gates as well after he called my father's house twice threatening that a civil suit was placed on me for "illegal binding of contract" (which I am now reading and realizing that it was only a scare tactic... which worked!).  I had to argue repeatedly with him and then with Nancy Woods.  I told them before I pay a dime, they will send me a statement by fax or mail regarding what I owe, who they are collecting on behalf of, and contact information.  I had to fight to get the document, but Nancy sent it to me.  They just EFT'd my debt on Monday 8/24 and I was told that I could call back this week to have a receipt sent to me via fax... spoke to the same lady today, and was told I would receive a letter in the mail within 30 days of 8/24.  She denied her initial statement and claimed that they do not "work" that way.

Although my debt is real, and I was obligated to pay it off, these people were in no way professional or helpful.  I basically had to make an argument that "if you people want me to pay up, you will need to do your part to make that happen.  I'm not giving my account information to just anyone!".

Let's just hope I receive that letter in the mail, or else they will have trouble in THEIR hands the next time around.

Viktoriya -  you really need to get a life. Take up some social activities,, try to lose some weight,,  something. I had a negative experience with Hearshe Kemp as well but you have to have something better to do,,, Seriously, make some friends. You have got to be kidding me. You say you werent even the person with a problem, yet out of the 1000's of ppl this company has collected from, Its absolutely certain your the one spending LOTS of time on an 800 notes website. Hopefully you make some friends! I WOULD BET ANYTHING IF YOU POSTED YOUR PICTURE, WE WOULD ALL KNOW WHY (very, very ugly)

Jeff you [***] you have it backwards,,,, fool me ounce shame on you,,, fool me twice shame on me!!!   Your welcome pal

I started receiving calls from Richard Pino yesterday. They emailed me a settlement letter for a debt I owe from 2003. I have already had a judgement entered against me back in 2004 and told him they could not sue me twice. He then said he was going to prosecute me for check fraud. I agreed to give him my email address so he could send me a settlement letter. After speaking with my attorney it turns out that only the original creditor can collect on the court judgement. He said do not give these people any money. Apparently they have a hokey operation that does not follow the FDCPA laws. Many attorneys have been unsuccessful in suing them for these violations due to not having a physical address to serve court papers. However, there is an attorney in Minnesota who was successful in serving them with a lawsuit back in July which is still pending. I have filed a complaint with the FTC.

This company has also withdrawn $300 from my account without my permission. Should I file a ploice report?

they called me and withdrew my account from phone number 646-871-3777

Dispute this with your bank. They have enough complaints your bank should see it was a scam and refund your money.

Someone from hershey kemp called left a message claiming to have my soc sec number and name on their desk to file charges for malicious intent. About a year ago I had these same people calling and making threats as well as calling me stupid wanting my bank account # they have a new number that they are calling from. BEWARE

Heres another Number 314-732-1146 and the address the guy Richard Giomundo gave me is 11 Summerset, Buffalo, NY 14209.

1st time I fell for it all. I gave them permission for A ONE TIME TRANSACTION. Now they have taken $$$ out of my acct thus getting me on the negative aonce again. They stated I owed them and authorized monthly transactions. I am to the point that I am going to change banks and bank accts due to Hearche Kemp. First time they took $458.00 from me. Now it is 157.00 Now you know those fees fromt he bank and them went up... Ms Calvin "Give me a number where I can have Mr Steve Deverou call you back. he gets in after 5pm" I am not making that mistake again them harrassing me all times fo the night. That is the purpose I changed my Cell phone number and got another one. Yes they gave me my last 4 of my SSN and other private info now I am fed up... Now I have to change banks.

WHAT WE ALL NEED TO DO IS CONTACT THE ATTORNEY GENERAL, IF THEY GET ENOUGH COMPLAINTS THEN THEY WILL DO SOMETHING ABOUT IT. I was in collections for a long time, and yes I have had some financial problems of my own, However this Richard Pino man calls my ex mother in law and starts questioning her about me and asking if she knows of my commiting fraud. Then he proceeds to tell her that I am being investigated for fraud. I KNOW FOR A FACT I HAVE NEVER DONE ANYTHING AGAINST THE LAW, AND DAMN SURE HAVE NEVER COMMITED FRAUD. It is against the law for anyone in collections to harrass a client, and it is also against the law for them to talk about any of your personal buisness with anyone other than you. Something has to be done about this Man. I have not yet gotten in touch with him, but I am glad that I researched him before I did, now I know how I will need to deal with these people and his so called company....So to everybody who has been violated in one way or another by this man or any representative of his company. Then I suggest we contact the attorney general wich can be done online also, and put in formal complaints. Let's all help to stop this man and his reps, from doing this to others. if you are with me, please feel free to email me at aross072508@yahoo.com in the subject line please reference "Richard Pino". I wish you all luck and hope to hear from someone soon so we as consumers can take care of this man.                                     MiMi

I WORKED FOR HEARSHE KEMP LLC IN JULY 2009 AND ALOT OF ILLEGAL STUFF WAS GOING ON SUCH AS CHARLES DAY THE VICE PRESIDENT OF HEARSHE KEMP WAS TAKING MONEY OUT THE DEBTORS ACCOUNTS TWICE AND NOT GIVING THEM THE MONEY BACK. HE TOLD THE COLLECTORS TO TELL THE DEBTOR THAT THEY ARE CLOSER TO GOAL BECAUSE HE NEEDED THE MONEY TO COVER PAYROLL. CHARLES IS A VERY ABUSIVE PERSON NOBODY CAN WORK FOR HIM HE DOESNT KNOW HOW TO TREAT HIS EMPLOYEES. HE IS ALSO A LIAR AND A THEFT. HE ALSO OWNS ANOTHER BUSINESS CALLED MASTER SOUNDS DONT DO BUSINESS WITH CHARLES DAY. ALSO THE OWNER OF HEARSHE KEMP IS TOM TRIAGLIANO. HEARSHE KEMP DOORS NEEDS TO CLOSE AND THE FBI NEEDS TO SHUT THEM DOWN BEACUSE CHARLES IS STEALING FROM INNOCENT PEOPLE.