888-613-0232

Scammers call me and try to cellect a debt that I do not owe!!

missed the call, but called back - it is Stellar Recovery, a debt collection company... they put me on hold for a very long time... as in never came back to the line!

I called them back like 5 times and I finally told them to Fcuk off. they are a pain in the [***]. The manager is an total [***].

All I get is a recording. If they have something to say then put a person on the line. I will not return a call to a machine

voice recordings asking for calls back...no company or details given

When I call it back a person answers with their first name not identifying who the company is, I just hang up. They should pass a regulation if they are debt collector they should have to give their name when they call.

Called my cell phone twice. 1st time: on 1/28/10 automated asking to call number back without leaving any company name or address. 2nd time: on 2/10/10 automated message left voicemail saying to contact stellar recovery incorporated at 888-613-0232 regarding debt collection. I do not have any outstanding balances.

This number showed up on my cell phone, I call it back the idiot man asks for address verification. I asked what this is about, he said: "Right now it's about verification" I said: "By law you have to disclose why you are calling me!" By Law I said! He said: "SO" What a stupid idiot! I told him he blew it and I hung up! Then I get a crank call from a blocked number not even a minute later! Stupid fools!

They call multiple times a day looking for somebody who doesn't live here. I can't get a hold of anybody to get our number taken off this list.

Under Federal Law If you owe them money or not you have the right to NOT be contacted by phone.  Write them a certified letter to their corporate office:

Stellar Recovery
1845 Highway 93 S., Suite 310
Kalispell, MT 59901

You could also fax them a letter asking the same thing and keep all copies.
Their fax number is 877-277-5520  

They are allowed to contact 1 more time then after that every correspondence is a violation of the Fair Debt Collection And Practices Act http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf  and they can be sued for up to $1000.00 by you for every offence.

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 kept getting messages asking for someone I do not know to call them back.  I called and asked them to remove my number and the person who answered the call was quite pleasant and removed my number from their call list.

Has called repeatedly for a male person that I do not know (twice today). Starts with a recording asking that you hang up or disconnect if you are not this person, but that doesn't work because they call back again later anyway.

Called them back, said they were Stellar Recovery, and I told them that they have the wrong number and they listen for a minute and then without saying anything hang up on you!! VERY RUDE!!

If I hear from them again, I'll find a way to report them!!!!!

We received a phone call with a recorded message asking me to press one if I am (name of person). That person has not lived at our address for four years. I am sure the caller was a debt collector because when we first moved here, we got all sorts of calls trying to collect money. I think they look up the address and get our phone number rather than a phone number for (name of person). We also get calls for someone who used to have our phone number. Apparently he, too, was a deadbeat.

I got several calls per day, finally answered and told them nobody lives here by that name.  They then started to ask me personal questions about my phone, address, if I was related to the person, how long I have had the #, etc.  I would not give them any information told them to not call again.  No calls for a couple of months and then today it started again.  They give you 15 seconds to hang up if you are not the person, I tried that but it does not work.

I receive calls every few dyas from someone named Marie Hannah  ???

Got a call today from this # and called it back to inquire as to who it was calling.  The guy who answered was so rude.  Since i know I don't have any outstanding debt I just said I had a wrong #.  The guy then replied with "yea right, pay your bill"

I looked up this number & it appears to belong to a company called TNCI, looks like the (re)sell telephone service. I registered my cell # about 6 months ago so they should not be calling it.
If there is a collection agent using this number it's thru a company that alters the caller ID# to try to fool people into answering the call, like that will help.

Called the number back and they are Steller Recovery and they have caller ID to look up the name of the person they called, since I recently got this cell number they had the wrong person. I'd HATE to have their job.

The words "dead beat" are quite judgemental. There are too many people that have lost their jobs and everything they worked for, to be making judgemental comments such as that is straight up IGNORANCE! Obviously you don't know anyone in that situation, but I do and they are good people that paid their obligations. So for all people in this situation I will always speak up.