8885111130

Actually that money is borrowed illegally by the US Treasury from the Federal Reserve. Its our money borrowed on the backs of US citizens by an illegal bank. Screw you. RON PAUL for president!

Did they send you a receipt that showed the money you paid them was applied to the loan you were paying off?  I have heard before of these collectors taking your money and NOT applying it to the loan they were calling you about.  If they are wanting more money from you in such a short time frame I would be careful and make sure you know where your money is going.

The next time any of you receive a call from Mr. Ed and his puppets....answer the phone, when they ask for whomever, whether it's you or not, politely ask them to hold on for a moment....lay the phone down( don't hang up) and go about your day. You may have to do this a few times but it will be worth it when they spend their days on hold, therefore not collecting their commission!! You and your family can receive free entertainment at Mr. Ed and his puppets expense!!

Last week I rec'd a call from this law office requesting info.on a man who had lived@my address prior to me.I spoke to Jason,who asked about this person.I was annoyed by his attitude and felt that this was not my business.As I began to explain,he put me on hold....now I was angry.When he came back on the line,I could tell that I was being taped.I told him that I was aware that he was taping me w/out my consent.Then I told him that the person they wanted had not lived@ this address for 7 years.I then asked Jason how he had obtained my telephone number.All he told me was that it was in the file they were given.I informed him that I have a private telephone for a reason...now I realize that these kind of people find out whatever they need to know,whatever way they can.So much for my privacy and that of the person they are looking for.

US LAWS THEY ARE BREAKING  

- include this thread with your COMPLAINTS TO THE ATTORNEY GENERALS -Your state and SC AG - they will want to see the continued harrassment by debt collector on a public forum!


1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

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


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




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There’s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors — or if you dispute the legitimacy of a debt — a debt collector may contact you.

“Time-barred” debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General’s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a “debt collector” generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt — or any debt for that matter — can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don’t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you’ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you’ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again — except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn’t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney’s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works 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 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. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. 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.
October 2004

They arent a debt collector they are an attorney's office just got sued now what do you have to say.

your uncalled for.

Since Ed Overcash knows so much about you this is some information posted on the web about his background as a "judge".  It is always nice to share so many good facts about a "noble citizen."


Judge Overcash was born in Atlanta, Georgia on November 24, 1950.  His parents are Mary Overcash and the late Edward H. Overcash, Sr.
Judge Overcash graduated from Model High School in Richmond, Kentucky in 1968. Upon his graduation from high school, he attended Virginia Polytechnic Institute before transferring as a sophomore to the University of South Carolina, where he earned a Bachelor of Science degree in Business Administration in 1972, with a major in management.  He attended the University of South Carolina School of Law and earned his Juris Doctor degree in 1975. He was admitted to the South Carolina Bar in November of 1975. He has been admitted to practice law in all South Carolina courts, the United States District Court for the District of South Carolina, the Fourth Circuit Court of Appeals and the United States Tax Court.
Upon his admission to the practice of law, Judge Overcash opened his own law practice. In 1977, Judge Overcash became a partner in the firm of Laney & Overcash. In 1980, he became a partner in the firm of Poliakoff, Poliakoff & Overcash.
In 1980, Judge Overcash was appointed by the Governor to serve as a judge in the City of Spartanburg Magisterial District where he continues to serve. In 1983, Judge Overcash was appointed Chief Magistrate for Spartanburg County by Chief Justice Lewis. He continued to serve as Chief Magistrate through 1992. In 2000, Judge Overcash was appointed Associate Chief Judge of the Spartanburg County Summary Courts by Chief Justice Jean Toal. Chief Justice Toal has also appointed Judge Overcash to serve on the South Carolina Judicial Council, the Board of Magistrate and Municipal Judge Certification and the Local Jail Task Force. In 1996, the president of the South Carolina Summary Court Judges Association appointed Judge Overcash, a lifetime member of that organization, to chair the association's bar liaison committee. In 1998, Judge Overcash was elected to serve as a Magistrate Vice President of the South Carolina Summary Court Judges Association. In 2000, he was elected to serve as First Vice President of that organization.  In 2002, Judge Overcash became the first summary court judge from Spartanburg County to be elected president of the South Carolina Summary Court Judges Association.  Judge Overcash is a member of the Spartanburg County Bar and has served on the General Sessions Committee and the board of directors of Piedmont Legal Services. He also served on the Detention and Court Facility Advisory Committee. Judge Overcash has embraced new technology and continues to adapt it for use in the courts. On August 28, 1990, he conducted the first authorized closed-circuit video arraignment in the State.  He presently serves as the webmaster for the Civitan Club of Spartanburg, the Spartanburg Magistrate Courts, and the South Carolina Summary Court Judges Association.
Judge Overcash has been a member of the Civitan Club of Spartanburg since 1976. He was elected president of that organization in 1983, and has been elected to the board of directors numerous times. In 1997, he was awarded the Club Honor Key.  In 1995, Judge Overcash agreed to serve on the board of directors for the Civitan Rehabilitation Workshop. This non-profit organization provides jobs for the mentally and physically handicapped in a sheltered environment. In 2000, Judge Overcash was elected Chairman of the Board of that organization.  In 2002, the Civitan Club of Spartanburg selected Judge Overcash to receive it's Civitan of the Year award.
Judge Overcash has been a licensed amateur radio operator since he was fourteen years old. He has obtained the highest-class license available for amateurs from the Federal Communications Commission. In 1990, Judge Overcash became certified as a Master Gardener. He formerly served as a Deacon, Sunday School Teacher, and Youth Group Leader at Covenant Presbyterian Church. He is a member of the Spartanburg Running Club and is Race Director for the annual Civitan Spring Fling Sprint 5K.  In 2001, Judge Overcash received special recognition from the Civitan Club of Spartanburg for organizing that event.
Judge Overcash is married to the former Cynthia Brown, and they are the parents of two children, Zachary and Benjamin. Judge Overcash enjoys running, swimming, playing blues guitar, building, landscaping, computers, electronics, and his family.

Perhaps you would like to ask Ed some questions at HIS HOME. Seeing how he doesn't much regard for other peoples rights.

Edward H Overcash Jr
Birth Date:    24 Nov 1950
[1 Sep 1957]
Phone Number:    576-6132
Address:    230 Brookside Rd, Spartanburg, SC, 29301-3022 (1986)
[166 Gordon Dr, Spartanburg, SC, 29301-2923 (1993)]

Don't you just love the internet?

Edward H Overcash Jr
Birth Date:    24 Nov 1950
[1 Sep 1957]
Phone Number:    576-6132
Address:    230 Brookside Rd, Spartanburg, SC, 29301-3022 (1986)
[166 Gordon Dr, Spartanburg, SC, 29301-2923 (1993)]

Don't you just love the internet?

Rec'd a call at 9:30 a.m. this morning RUDELY asking for someone other than me, but insisting that the person they were looking for had used my cell phone number on an application.  Iexplained I was not that person and did not live at the address they shared.   I then explained I've had this number for 15 years and they could call Verizon and confirm it if they were, in fact, a legal firm.  Only then did the person back off and hang up!

The do not call list does not apply to collections. It only applies to sales calls. A collection agency has the right to call, just as you have the right to pay the bill dispute it or simply tell them they have the wrong number.

When you get a call from a company like this, before they start talking to you, you want to write down their co. name, asked to spell it for you, ask for their address, get phone number and the person's name, the original creditor's info, amount owed and at least the last 4 digits of the account they claim you owe. If you have an attorney, tell them to not call you again, but give them your attorney's name and number. If you don't have an attorney, you might want to get one, but at the very least tell them not to call you.
Stay calm and don't explain anything to them. It will only give them ammunition against you. Any information obtained during the phone call will be used against you to collect the debt. Your best option is talk to a lawyer.

When you get a call from a company like this, before they start talking to you, you want to write down their co. name, asked to spell it for you, ask for their address, get phone number and the person's name, the original creditor's info, amount owed and at least the last 4 digits of the account they claim you owe. If you have an attorney, tell them to not call you again, but give them your attorney's name and number. If you don't have an attorney, you might want to get one, but at the very least tell them not to call you.
Stay calm and don't explain anything to them. It will only give them ammunition against you. Any information obtained during the phone call will be used against you to collect the debt. Your best option is talk to a lawyer.

When you get a call from a company like this, before they start talking to you, you want to write down their co. name, asked to spell it for you, ask for their address, get phone number and the person's name, the original creditor's info, amount owed and at least the last 4 digits of the account they claim you owe. If you have an attorney, tell them to not call you again, but give them your attorney's name and number. If you don't have an attorney, you might want to get one, but at the very least tell them not to call you.
Stay calm and don't explain anything to them. It will only give them ammunition against you. Any information obtained during the phone call will be used against you to collect the debt. Your best option is talk to a lawyer.

I agree.  No Need and Me -If you can't say something decent or useful, then please keep your opinions to yourself.

Just ignore these people, what they are doing is illegal. There is nothing they can really do to you. This morning my machine got a call from them looking for my X. I returned their call not knowing what they wanted and got a rather unlikable man. Because I have had lots of experience with debt collectors, (that is why he is my X) and knew what questions to ask, the man told me he would take my name off their list.. Time will tell if he does or not.
I am sorry there are so many people going through hard times.. Hang in there and don't let these people get the best of you.  L

Well this "attorney..aka debt collector" is going to have a nice little meeting with the for violating bankruptcy laws. He is contacting a friend of mine for a debt hat was discharged in bankruptcy court...S O L...."atty" btw if he is a real atty what is the bar number...I suspect the phoney doesn't have one

This office called and asked for me. I did not pick up the phone. They only called one time about a month ago. I wonder why they only called once. I wanted them to call more so I could sue for FDCPA violation.
I really want the experience.

I settled a debt with a Credit Card company about a year ago. I have the settlement letter and copies of everything.

I wonder if this overcash Bottomfeeder got a hold of the dent from the Credit Card company. Who knows.

But I am ready for a good time. Its nice when you know you dont owe squat and you are like
a tiger waiting to pounce on the lowlife dirt bag collection attorneys.

Yabadabadooooooooooooooooooooooooo

This number has been calling me for several months now. It's the Law Offices of Ed Overcash. Sometimes they call from an 864 area code as well. They call multiple times a day and within a few minutes of each other. They finally left an "exclusive message" for a man and his landscaping company. Although I know the man I'm not associated w/ this debt at all. So I called and spoke w/ the woman who identified herself in the message. I told her that I was not the person she's trying to reach, that I'm not associated w/ the debt, and that I wanted to be removed from her calling list. (I read that by law debt collectors are not allowed to call a 3rd party more than once, that they can only ask if you know if they're working, and that they cannot call multiple times a day or within minutes of each other b/c it's considered harassment and in violation of state laws). However, they continued to call me. So today I filed a complaint with our local Better Business Bureau office and with the Department of Consumer Affairs. I'm hoping that at the least they stop calling me but honestly I hope they either get shut down or have to pay a serious fine since they are violating several state laws. Thanks to writer lamet for the great info./advice!