888-772-4172

i just picked up a call on my vm for someone that apparently used me as a reference for something, i guess.  i believe these people are just using "SCARE TACTICS" and are merly the company that is owed some money.  These companies are probably just creditors that are very despirate and have resorted to these tactics because they work.  they scare the [***] outta you, you pay just like that to not get arrested, not be served on the job, not have a warrant out for your arrest.  People please get informed about your rights as a consumer and maybe we someday get together and nip these folks in the az!

If you are Barbara Young please wait for an important message, if you are not Barbara Young please hang up.

CCF Incorporated is leaving automated calls for a Keith Owens, who I don't even know.

I called the company back about three weeks ago advising them of this and asked that they stop calling me.  They confirmed my phone number and told me they would delete it.

But today I received another call again leaving a message for a Keith Owens.

CCF Incorporated is leaving automated calls for a Keith Owens, who I don't even know.

I called the company back about three weeks ago advising them of this and asked that they stop calling me.  They confirmed my phone number and told me they would delete it.

But today I received another call again leaving a message for a Keith Owens.

I have read all of these posts.  They just called me Tuesday of this week, 11/4.  Number one, the did not leave any information, except a phone number.  WHen I called, it went to a voicemail.  I have NO outstanding debts, colelctions, or any kind of worthless check.  Most states, including FLorida and Texas (the two where I have lived) have statute of limitations on colelction of any kind of bad debt.  1. up to 150 the limitation is 2 years FROM THE DATE OF INCEPTION and 2. greater than 150 is three years from the date of inception.  They are not allowed to represent themselved as attorneys without merit see the Fair Debt Collection Practices Act (FDCPA) 807 2(A)(3).  They are not allowed to use threats, see also FDCPA.  Just look up your local/state/FDCPA laws.  If it is more than three years, pretty much they cannot collect.  After 4 years, they cannot call you and cannot place anything on your credit reports, and they can only contact you via written communication.  They will continue to try and collect, however, it will be to their detriment if they continue in the means in which you all have reported.  I am calling them tomorrow, and will see what they say.  I work in the law, so i am pretty knowledgeable about what they can or cannot do.  I know for a FACT that I do not have outstanding debts, and ESPECIALLY DO NOT have outstanding bad checks - I do not write checks, I use a check card and have for over 6 years.    AGain just read through your state laws, and write them within 30 days and dispute the account.  THEY MUST within five days of the first communication provide to you proof that the debt and account is for real.  If they do not, you are NOT liable.  If you dispute within the first 30 days, and tell them explicitly not to contact you via telephone, at work, etc. THEY ARE NOT ALLOWED TO LEGALLY CONTACT YOU in those manners.  Just do some research.  We all have our debts and issues in the past, just do not let anyone harass you.  And if in fact the debts are more than 4 years old, they cannot call you and cannot put it on your credit.  

Take care and have a good weekend.

someone called my sister from CCF Associates-not me.  I have no delinquent accounts and perfect credit.  The Rep said someone was making inquiries on my credit and he wanted to verify all my information. They wanted to confirm my Social Security number and I'm no idiot.  The company has no valid phone number, website etc.  OBVIOUSLY A SCAM.

This is probably an employee - false posting

PROBABLY ANOTHER EMPLOYEE FALSE POSTINGS

When the have their employees trolling complaint boards - usually a sign of illegal collection tactics = SCAM

This person is obviously involved in the scam - that's why he's trolling complaint boards

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!

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


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

Tonight I recieved an automated call from this number.  It said they had important information for Jessica Sanchez.  They said to stay on the line to talk to someone about this matter.  I stayed on the line to let them know they had the wrong #.  I am not Jessica nor do I know a Jessica.  I was disconnected by them.  So, I called them back, several times.  I kept getting a automated runaround just to be hung up on by them each time.  Just before getting hung up on, the automated voice would say the mailbox was full and there was an error and then click.  So the last time I called I made up a extension number, still didn't get a live person, but their mailbox was not full, so I left them a detailed message.  After reading all of your posts and dealing with the poorly designed and unorganized way they seem to conduct their business, I am not holding my breath that they will have realized they have the wrong number for Jessica.

I received this message on my recorder: This message is for Sandra Harris. You have been named as a person of interest in an important matter. You need to contact this office immediately or decisions will be made without your knowledge. Please call back at 888-772-4172 at ext.1. No one named Sandra Harris lives at my address. This number has been harrassing us for weeks. What can we do?

They have the WRONG NUMBER and keep asking for Sherry Whitter.  

I keep telling them they have the wrong number, but it doesn't do any good.

@pyfb

You're an IDIOT to call other commenter's an idiot when you don't even know them or their situations.

You have at least PROVEN yourself to be an idiot ... they have not.

I have the shiniest trailer in the MHP, so SUCK IT!!111!!

Interesting, I thought I would look these people up because there are so many SCAMS out here and more popping up.  Well, to my surprise I see all of these comments. Well, I knew from the manner in which they called me regarding someone else was a bit off. The message stated, "we are calling for Brandon (somebody)....they have been named as a person of interest in a very important business matter."  Well, the person of interest in a business matter pretty much let me know it was regarding some form of debt collection. I did not talk to anyone but I have gotten calls for this person before...you can't get through to tell anyone they simply have the wrong darn number so I kept calling them like they were calling me. Eventually the calls stopped. Same thing with these people so I just won't answer...my bills are paid!

Anywho, very tacky collection tactics. I hope whoever deals with these people, CCF Incorporated, luck. They sound like a piece of work.

Thanks.

this message is for u have been name as a person on interest in and important matter, contact the office immediately or decision will be made without your knowledge contact us at 18887724172.

These people are harrassing my family.  I am tired of the repeat calls on my caller id ...leaving messages for people who are not at this residence.  I have called several times to tell them to stop calling and I just got hung up on.  FREAKING idiots at this number

Ok! So they call from this number a few times a week. Each time the message is left for different people on my number...and none of them are me! When I called them back the first couple times they were totally rude and wanted to cross-examine me. The next time I finally got someone to help me out...and they were supposed to be taking my number off of the list. Like 14 million calls later....really people!!!

Got a call from this place....for my dad....my dad pays ALL HIS BILLS ON TIME....regardless....don't know how they got my number but pressed 1 like it said do and it hung up.....WEIRD!

I keep getting calls from this company stating that I have been named as a matter in a finacial matter. When I call back the message say they are working with a group of national attorney's and then it proceeds to say something about check systems. Well I am not or have I ever been on check systems. I would like to know who these people are.