888-622-0222

To all readers of this forum:

Please note, if you are able to negotiate a lower payoff with any creditor, you will then be sent an IRS Form 1099 for the amout of the "forgiven debt", which is considered income by the IRS....at which time, you will be liable for the taxes on this "income". You may also be liable for taxes in your state.

Will you set your eyes on that which is not? For riches certainly make themselves wings; they fly away like an eagle toward heaven.
Proverbs 23:5




The worldwide economic meltdown that began in 2008 resulted in the greatest evaporation of wealth in history. By February 2009, tens of trillions of dollars in value had disappeared from markets around the world. A month later, a prominent Wall Street money manager pled guilty to stealing upwards of $50 billion from investors.

It seems almost inconceivable that trillions of dollars can vanish without a trace--but they can. There is nothing wrong with saving and investing for the future, but money can never be the ultimate source of our security. Our security must be in something eternal, not something temporal. Money is temporary; God is forever: "The eternal God is your refuge, and underneath are the everlasting arms" (Deuteronomy 33:27a). Money is a foundation that can be washed away, but nothing can remove the "everlasting arms" of God from underneath our lives. He is an immovable foundation.

Save money? Yes. Trust in money? No. Put your faith in the only object worthy of your trust: God Himself.

The real measure of our wealth is how much we'd be worth if we lost all our money.

It is illegal to submit a debt to the IRS on 1099c which has not been validated. If this happens, contact the IRS and file a dispute then get an attorney and sue the CA.

I just received my 2nd call from this number. They are trying to track down a guy by the name of "John Tucci". We are a commercial business and have had this number for 2 years now. I beleive this is a collection company that obviously goes after VERY delinquent debts. I gave them the reference number that had been left and he said he would clear it up right away.

So I take it you work for a debt agency?

It is and has been illegal to harass someone about debt.

It's quite obvious you work for/the collection agency.

People, don't give into these low life collection agencies!!!  Change your phone number to an unlisted number, notify your friends and family and you're good to go.  They will never find you!  Problem solved!   Or get caller ID and if you don't recognize the number, don't answer it and definately do not call it back, they have caller id too you know!  

Make it a game, I think it's kind of fun!

Here is how to fix the problem.

1) Get yourself a faxing program for your computer. You should be able to find this for free online.
2) Use skype if possible and input this phone number we're talking about as a fax number into the software.
3) Set the preferences to retry every 5 seconds with no limit to retries.
4) The faxing software will call the number and will be unable to make a connection. At that point it will hang up, wait 5 seconds, and try again.

 Two can play this game!!!

My banker tells me that once one of these 'payday' or 'cash advance' loans goes to an agency, it has already been written off by the original lender.  Why?  Because they sold it in a bundle of other delinquent loans to one of these blood suckers for pennies on the dollar.  Why would PMD or NRS (National Recovery Systems, same company) do this? Because they think they can collect more than they paid for the whole bundle.  So don't think your credit will be improved by paying these people anything.  If they harass you and make calls at odd hours, they are violating the law in most states and can be reported to the Consumer Protection division of your state's Attorney General's office.

And here's more:

Fax: (785) 242-2744. Physical Address: 416 S Main St, Suite 3. Ottawa, KS 66067 ... Office: (785) 242-2744 ext. 123. Mike Powell Chief Operating Officer

These people operate out of a boiler room in Ottawa, KS.  If you have any complaints about their tactics or the lies they try to feed you, here is the website for the Kansas Attorney General:

http://www.ksag.org/page/file-a-consumer-complaint

collection don't always purchase debt in this company's case they were retained by original creditor but regardless of what the creditor has done it will still effect you.  you need to make payment arrangements or settle the account, it is irritating but might as well get it over with.  Good Luck!!!

retained by original creditor-where did your information come from?

Sometimes the Original creditor hires a third party collection agency - Sometimes they sell the debt for pennies on the dollar.

CALL THE ORIGINAL CREDITOR - they will tell whether the account was SOLD or they were hired.  If hired the OC will accept your payments.
IF sold - the OC will refuse to work with you.  

MOST IMPORTANTLY KNOW YOUR RIGHTS and THE LAWS DEBT COLLECTORS ARE REQUIRED TO FOLLOW - SOME DO NOT FOLLOW THEM AT ALL - Deal with it correctly - NEVER IGNORE A DEBT COLLECTION ATTEMPT

1. WHEN THEY CALL - TELL THEM SEND IT IN THE MAIL ONLY
2. YOU HAVE 30 DAYS TO FILE A DISPUTE AND DEMAND DEBT VALIDATION (in most cases they cannot validate a debt that was bought-  they get no paperwork)
Just a list..
3.. Check the Statute of limitations for your state - it may be too old.
4. Record calls from debt collectors



Dealing with Debt Collectors
http://www.budhibbs.com/start.html

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

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

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



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

MORE INFO

NEVER EVER SEND MONEY TO A THIRD PARTY DEBT COLLECTOR UNTIL YOU HAVE AN AGREEMENT IN WRITING!  NEVER SEND PERSONAL CHECKS OR USE CREDIT CARDS.
Money orders only.  They will empty you bank account or max out your credit cards.

Most times on purchased debts - they will keep your money and RESELL the debt to another collector and the whole mess starts all over again

MAKE SURE YOU GET A RECEIPT!

Most of this is true there are laws that protect you as someone in debt and any bill collector should know this, its when they decide to go outside the laws and try to force people into paying that gets them in trouble and alot of companies do this, however not all companies are the same and you do have to watch your back for scammers.  How do you know who is a scammer?  Well most of the time they cannot give you the information you need such as original account numbers and dates you took out your account.  Your social, dob, and even home address and phone number can be easily obtained but when you know your dealing with a true company they will be more professional and have everything you need if not you can call the original company and see where it was placed. If an account is sold then that does not make you any less responsible for it, it just means the original creditors are done with it and the only way to resolve it is to sell it they have to take this as a loss.  It can still be placed on your credit and if they intend to follow thru and it is according to your state laws they can persue the accounts because wheather sold or not they have the contract at that time.  I certainly hope this was helpful and that if you are a debtor you contact the company and try to work something out. Best Wishes

ive been geting phone calls from this company asking for Rebecca Mullins and i have no idea who she is the wont stop calling me

ive been geting phone calls from this company asking for Rebecca Mullins and i have no idea who she is the wont stop calling me

are you for rea? the fbi please they are nothing but low down collection agency for crying out loud, if you take out a loan pay it back.

Rcvd a call from 918-779-3553 this morning. After navigating thru the automated menu, I was given the 888 number as the call back number.

It's advice.. advise is what you do when you give someone advice.  Instead of trolling all over someone, why don't you find a healthy emotional outlet?  All the best!