8886882977

I got a letter from this company saying I took out a payday loan in 2005. When I called the loan company they said I had a zero balance. When I looked up the original and current creditor nothing came up pertaing to this. They are threatening me if I dont pay them I will get attorney fees and be sent to court in my county. I have never received anything from them before and I have no idea what the account number goes too. So I guess this is a scam and a nonsense collection agency.

I got a phone call from this number at work it was an automated number saying I need to call back and it gave a reference number.  This is such a scam and I won't be bullied into paying something I don't owe.

My girlfriend recieved a called from these people today! Scared the hell out of her! They had her information(workplace, SSN, personal info). They threatened her. Told her that she should be on the look out for the police. They would have a warrant out for her arrest! Told her that her own attorney got his degree from a cracker jack box! MAJOR SCAMMER! Hope that the ATTORNEY GENERAL can shut these guys down!

I recieved a nasty vm at my work as well telling me they filed a complaint with my local sherrifs dept and I will need to appear in court, ya right the sherrifs dept has other things to do besides going after me, I called them back and left a message letting them know not to "harass" me at work so hopefully that will make them stop I doubt it!

They too have debited my account.  They actually took more then they were supposed to.  I am now fighting with my bank to get the money back and file a report against them.  Have you head anything else back from them?

Please email me at jhoover19@gmail.com

I GOT A CALL FROM A MR CARTER WHO SAID I OWE FOR A PAYDAY LOAN. SAID THE AMOUNT IS 700.00 AND I NEED TO PAY OR THEY WILL START LEGAL ACTION
I ASK IF I COULD MAKE PAYMENT BY MAIL SINCE I NO LONGER HAVE ACCOUNT SAID NO I NEED A CREDIT CARD OR CHECKING ACCOUNT#. HE SAID I NEED TO OPEN A PREPAID ACCOUNT AND LOAD THE MONEY ON THE CARD, WELL I HAVE NOT DONE SO YET. I GOT EMAIL FROM ONE OF THE PAYLOAN THEY SAID IF SOME ONE CALLS AND ASK FOR MONEY GET MORE INFO LIKE THE DOCUMENT SIGN
BY YOU WITH THE AMOUTN DUE SAID THERI ARE COMPANIES NATION WIDE CALL PEOPL AND THEY ARE SAYING THEY ARE WITH A LAW FIRM AND IF YOU DO NOT PAY THEY WILL DOWNLOAN YOUR FILE TO THE POLICE DEPT AND YOU WILL GET ARRESTED. HOW DO WE KNOW IF THESE COMPANIES ARE REAL? MR CARTER FROM THOMAS AND ASS LAW FIRM ARE YOU FOR REAL?

this is illegal.   They are trying to scare you into paying a debt you probably do not owe.
They can accept a check - they want your account info so they can steal your money.

file complaints with the Federal Trade Commission
YOur state attorney general


LEARN YOUR RIGHTS AND DON'T LET THEM SCARE YOU
THEY ARE REQUIRED TO PROVE THE DEBT IS YOURS - they can't so they use scare tactics that ILLEGAL

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 VIOLATORS 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.

Mr. Carter called and made my mom cry. I called him back and let him know "you dont threathen on the phone a 76 year old woman with a summones to have someone arrested". This was his tactic to tell her he is having me arrested...

HERE IS THE NUMBER HE CALLED FROM : 888-688-2977
his name is mr. carter

GOT A CALL FROM THIS COMPANY I DID ANSEWR I SAID HELLO OVER 10 TIMES NO ONE SAID A WORD... I CALLED BACK AND ON ONE RING SOME NASTY RUDE [***] HOE PICKED UP THE PHONE... I AKS WHO WAS THIS AND SHE SAID THOMASON LAW FIRM I ASK HER WHY DID SOMEONE KEEP CALLING ME FROM THIS NUMBER BUT NEVER SAY ANYTHING WHEN I PICK UP? SHE SAID ITS NO BIG DEAL I RESPONDED WITH YES IT IS.. WHY CALL ME AND SAY  NOTHING... SHE SAID SHE HAS CALLER I D AND SHE DONT HAVE TIEM FOR THIS ANS SHE WILL MAKE SURE I GET SUMMONS TO COURT.. I TOLD HER DO THAT I DONT FEAR HER OR ANYONE AND IF YOU CANT CAL ME WITH RESPECT THAN DONT CAL ME AGAIN AND I ENDED THE CALL

I GOT THE SAME CALL FROM THE SAME NUMBER SAME NAME

THIS ESSAGE IS FOR EUSTACE RINE OR ANY ONE WHO READS THIS MESSAGE. IS
THIS COMPANY A LAW FIRM OR JUS A COLLECTION AGENCY SAYING THE ARE A LAW FIRM? CASUE I KEEP GETTING ALL FROM A MR CARTER WHO SAID THEY ARE GOING TO SEND MY FILE TO CALIFORNIA TO START LEGAL ACTION. SOME PLEASE LET ME KNOW WHAT KIND OF COMPANY IS THIS

Many calls from Dave Barnard of Thompson & Associates, P.C. saying that he was going to serve me a Summons for a Pay Day loan.  I have never taken a payday loan. Then he said it was from a credit card that I had several years back.  I informed him that the credit account he was referring to had been discharge in Bankrupcy. He didn't seem to understand what bankrupcy was and said that his attorney would have known if I had filed bankrupcy. I told him to look it up.  And he proceeded to say that I needed to pay this debt and if I gave him my fax number he would fax the Summons to me.  HA! What an idiot! I asked where is company was located and he wouldn't say, but it is Thompson & Associates, P.C. 335 Common Street, Suite 330 Lawrence, MA  978-688-2977.  I told him to stop calling me or I would file a harassment suit against him, and he said "are you threatening me cause I be recoring this call."  Moron.

My ex-father in law got a call from them claiming to be looking for me due to an arrest warrant..he called histerical asking if i was in trouble so i called the police department that they claim they suite was filed in and there was no report of any kind long story short dont give personal info dont pay out..you can still pay delin accounts at the original company if there still around

its a fraud tell them you know they are scam artst and they will stop

I missed 2 calls from 888-688-2977 and they finally left a message as I do not answer toll free calls thanks to telemarketers. I checked my voicemail and it was some guy named Jamal Williams and he said he was calling from Thompson & Associates and he wanted me to give him a call back because he has a summons on his desk that needs to be resolved within 24 hours so please call him back. Needless to say I WILL NOT be calling him back as I have no idea what this is about and if it's about anything more than 5 years old, it's going to be closed soon anyway. This is a set up in order to start the 7 year fall off all over again.

I was reading some of comments. Never give your checking account routing # out to any one. I did it several years ago and it cost me and I had to get the bank to change my account. They deducted the agreed amount to pay in full. I never received a receipt. Several months later I was summoned to court by this same co. I took a copy of the banks receipt with me. They tried to get 3 times more and said they have never received any money. When I showed the bank receipt to the judge he dismissed the case, as he knew they were lieing. I know there are many collectors that are out to take advantage of people that don't know.
First I don't owe Thompson and co. anything if they purchased a account too bad it has been paid already. If they push it, They will be in court.
Don't give out any info on the phone, you have no idea who you are giving the info to.

That shows how responsible you are....

I received a letter stating that they will file suit against me if I don't respond to their calls in 7 days.  This is after ignoring numerous calls/letters.

You may not want to ignore them!

Thompson and Associates PC
354 Merrimack Street
Lawrence, MA 01843-1754
978-688-2977

See notes under: https://800notes.com/Phone.aspx/1-978-688-2977

SOME LADY WHO CLAIMED TO BE FROM THOMPSON AN THOMPSON LAW GROUP,CALLED MY PHONE (CELL)SAID WHO SHE WAS WITH; BUT GET THIS SHE PUT A TWIST ON IT SAID SHE WAS AFFLIATED WIT THE HAMILTON COUNTY SHERRIFFS DEPT WHICH IS A LEGITIMATE SHERRIFF DEPT IN MY AREA. I SAID HOW CAN I HELP YOU? SHE SAID THEY REPRESENT MONEY MART I SAID AND ? BEFORE SHE COULD FINISH I FINISHED FOR HER BECAUSE I'M A COLLECTOR TOO. WE ARE A LEGITMATE AGENCY WE COLLECT SOME OF THE AREA'S TOP DR AND HOSPITALS WE ARE GOVERNED BY VERY SPECIFIC AND DIRECT LAWS. SO I HAVE A PRETTY GOOD IDEA AS TO WHAT IS LEGIMATE OR NOT. FOR THIS PLACE TO CALL MISREPRESENTING WHO THEY ARE IS RIDICULOUS WELL THEY GOT THE RIGHT ONE THIS TIME.I HAD TO ADVISE HER OF OHIO LAW GOVERNING PDL'S CRIMINAL PROSECUTION IS PROHIBITED I ADVISED HER TO DO WHAT SHE HAS TO AND HU BECAUSE I DID NOT WANT TO GO INTO DETAIL OF MY RIGHTD LAWS ETC WE'LL SEE IF THEY CALL BCK!!!!