8887724172

These people somehow found my number and called leaving an automated msg on my machine stating that i was a person of interest and needed to call them right away or decisions will be made without my knopwledge.Concerned, i gave them a call and they stated i owed on a debt from 2001. 8yrs ago...the female i spoke to said the debt was taken out in the state of WA where i was living at the time, i state3d to her i do not recall this debt and mentioned to her the statue of limitation laws. She then tried transferring me to a supervisor. Spoke to Don Harris and he stated the debt was from CA in 2001 and not WA, where i was residing. HMMMMM...there is no way i could have went to CA on a monday the date he gave me and created this debt then flew back to WA to go work...i told him this and stated the statue of limitations for both WA and CA and asked him why they were even calling me..he said "let me find out, the reason we were calling was to obtain"..then he hung up..lol...this company needs to go out of business...

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

I have received several calls from a mysterious company at these numbers: (888) 772-4172 and (716) 206-2022, (253)269-0435, and (716) 206-2023 all of which are from a single company that is apparently in the debt collection business. The first call is a recorded message left in a threatening tone, something like, if you don't call us back, legal action will be taken against you. I did finally reach someone there, apparently a secretarial type, who had a list of several people having the same or similar name as myself (I have a very common name). After carefully answering some of their questions--and being aware that it might be a scam--I told them that I was not the person they were looking for and asked them not to call again. But the calls have continued. The first woman said she would take me off their call list, another man I spoke with said the same thing that they would not call again, yet today I received yet another call from them, again the threatening message. They are wasting their time with me, and running up their own phone bill, but more importantly calling my cell phone, and wasting my time!

Dear CCF, you are so full of it. You are dishonest when people call you back, you think you can collect on debts that are past due by 8 or 10 years. You need to look up the statute of limitations (by every state) if you don't want to keep getting sued.

Sincerely,
F*^% OFF!!!!!!!

Called on my cell phone while I was at work and stated they were required to contact me regarding a pending lawsuit against me.I tried to call back  using the number provided to me on my voice mail and there was no answer by a real person and all voice mail boxes were full.

Left a message for my ex-wife of 10 years ago on both my home phone number and fax number.

CCF, Inc. (888) 772-4172 (or (253) 206-2023 same company but number in Washington State) is now using a BLOCKED CALLER ID but have provided a call back number of (888) 729-4798. They have now identified themselves as ACH Services.

CCF incorporated has called older members of my family so many times that they now tell me they don't care to associate with me until I can handle my business because they don't appreciate harrassing phone calls.  First of all, I don't recall this debt and I have not used payday loans or checks in close to 10 years, some were paid and some were filed in a bankruptcy I couldn't avoid, and even though I have requested proof you didn't send me the validation notice I KNOW you were required to send when you recieved the account.  Second of all you have broken EVERY SINGLE PORTION OF THE FDCPA!!!  You are not allowed to do the things you do and I sincerely hope you are sued repeatedely for the problems you have caused for myself and others.  I pay my bills.  I work more than full time to support my family.  LEAVE US ALONE!  SHAME ON YOU!

These guys will not reveal their true busines name or address unless they believe that it serves their purposes. I managed to get the real info from them, use it to make your complaints and/or file suits:

CCF, Incorporated (name used in recorded messages)
Credit and Check Filing, Inc (letterhed)
Credit & Credit Filing, Incorporated (Listed with NYS DOS)
2564 Walden Ave, Suite 108
Cheektowaga, NY 14225
Tel: 888-772-4172
FAX: 716-681-8131

We constantly get calls from this number.   We can only assume that they are collectors looking for our grandson Adam.  They do not leave a message and most times when we see this number we do not answer as our grandson does not reside here and we have no idea where here is.   We want these calls to stop!
If we any idea where Adam was we would certainly tell whomever is calling.

I received a call from these people today on my sister's cell phone. They told me it was from a payday loan in 2004. The individual verified an address from 7 years ago. First off i lived in another state. He request me to make a payment in 24 hours, I recommended for him to contact my attorney due to some fraud I had going on. He just said he needs a payment by tomorrow and kept asking me for my address. Per law if they can't validate the debt, they cant hold you responsible. They are trying to get some money anyways. Plus that law just passed, and they are closing down all payday loan store.

Automated collections call for someone that does not live at this address or use this phone number

My elderly mother received a call from this co. looking for me. She called me and gave me the number and ext. I called and the man who answered was yelling and could not speak proper english. When I would't verify certain info, he hung up on me. I worked at a collection agency for many years, and wished I could have conducted myself this way.... What fun. This is a bogus company trying to collect on issues, way past the statute of limitations. ha ha ha ha

SCAM!!!!!!!!!!!!!!! Don't comply!!!!!! Don't verify info!!!!! This company is in a basement with collectors breaking fair debt collection practices act laws big big time.... Run Run as fast as you can and dont look back-

Ok. I'm a sup @ a collection company which purchase debt. We have collectors and a legal department. And you can quote me on this.. If possible legal action is involved or required an attorney would not waste there time leavin automated voicemails to bait a call back. I recommend everyone look up there states statue of limitation laws and also the minimum balance required for suit in your state before payin anyone*

This is totally an employee trying to make this so called company sound legit.  Such a scam!

Keep leaving me messages everyday regarding an issue I believe it is for my exhusband.

Yes I owe some old very old debts, some from 8 years ago and I think this is what they are referring to when they called my x of 5 years ago. I think they use cheap internet searches and thus the connection to old places you used to live. I am sure they have tried other ways to reach you recently as well, does this ring a bell. I owe an old debt annd my friend gave me the 888# and told me to google it. In my opinion, a person should always check the company you owe the money to especially if you recently settled the debt. They do nto always communicate well to the guys that hired them to collect. This is probably a very old debt, and probably legitimately owed. Do your homework and know your rights, and keep receipts. Keep records of debts owed and paid for 10 years if you are unsure.

Yea as in giving out your info to a pay day loan company and then get mad and wonder why your being contacted by collections here's a thought paid back what you owe when you said your gonna and you wouldn't be on here crying about identity thieves they don't need your info they already have it dumby

Not accurate you can legally pursue a debt in ohio 10 years illinois 15 and many othe states for up to 7 years get your statute of limitations correct