888-772-4172

States have statute of limitations on debt - to protect consumers from CROOKS like you,
That is also why the States and FED created the FAIR DEBT COLLECTIONS PRACTICES ACT.  Laws they are BREAKING!  


Once the debt passed SOL for your state - debt collectors have NO Legal right to collect (cannot sue) and you are no longer LEGALLY OBLIGATED to pay it back.  

THIS IS CALLED JUNK DEBT or ZOMBIE DEBT  - its completely worthless.  

The CA only paid a few cents for it, so they are not out an money at all.  The original creditor will NEVER see a dime of it.   These OLD debts have  NO DOCUMENTATION - so the CA cannot prove that you owe the debt

They gamble that they can make you pay it  and USE ILLEGAL collection tactics to collect it


THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

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

Megan - moneygrams don't go through the mail. HELLO!!!

These people had been calling me at work on a federal government number.  They also called my number and left messages for two other people I did not know.  So I called them back and requested that they remove my number from their data base because it is a federal govemrnment number.  They tried to threaten me but I told them until they removed my number I would call them like they called me.  I commenced to call them 20 times in the next half hour until they blocked my number.  Now they have called someone in another state asking for me. The number they left this time was a cell number 205 533 7969.  I looked it up.  They are not even in the US.  IT IS A SCAM!!!! Don't buy  into it!!!!!

Today, I received a number 17606949592 its the same people from CCF, they have another number know! They had called to my fathers house and told him that they have judgement against me and he need to pay. He said he wasnt paying anything and the lady got mad. My dad called me and let me know the situation. I have been calling this number back and the answering machine comes on saying this is a laws office. Nobody ever comes to phone and you cant leave a message all the mailboxes are full and it funny the operators mailbox is even full! Dont know what to do its a scam! Ill wait to be summons to court!

Shysters who are matching old addresses with current telephone numbers. Called here looking for the guy I bought the house from 13 years ago. Rude unprofessional and actually hung up on me [I can be a bigger basta then them] when I told them not to call any more. Making a complaint next!

If you want to make a complaint or serve them here is their info:
CCF, Incorporated
Credit and Check Filing, Inc
Credit & Credit Filing, Incorporated (Listed with NYS DOS)
2564 Walden Ave, Suite 108
Cheektowaga, NY 14225
Tel: 888-772-4172
FAX: 716-681-8131

This place called me and said decisions would be made without my knowledge if I didn't respond to their voicemail. Apparently I am a "person of interest" in some matter and I was required to call them back. I am not, will not, and blocked their number from my phone. All I ever read about this number and it's corresponding number (651-217-1255) is that they are a scam. They won't weasel a single penny out of me. Fools.

I keep getting phone calls from these people and messages for a person that does not live here and mail for (the same person) that DOES NOT live at my address.  I AM THE ONLY PROPERTY OWNER and have been for a over 20 years.  Not sure why they would call me at all - sure smells like identify theft. I am not interested in calling these people back.  I think I will turn it over to the Department of Justice.

getting unwanted, nasty phone calls

This is a fraud claim, if they will not give you documentation it is illegal.  by law they have to give proof of a debt. they are not allowed to threaten either.  they cannot take you to court, file legal charges against you.  Contact the federal trade commission 1877- FTC- HELP/ 1877- 382-4357, give them all the information you can about the company and the dealings with them.  most likely these people are not even in the country.  I have been dealing with these types of phone calls for about 8 months.  I did stupidly pay a cpl of them just to have the same type of calls coming from other people.  DO NOT GIVE THEM ANY MONEY or More Info.  They are violating your consumer rights and trying to steal your hard earned money by fraud.

I continually get a message on my WORK voicemail (direct line) from CCF, Inorporated (888-772-4172, ext. 1) regarding the account of a Shawn Davis Lang.  I have been ignoring it even though it is very annoying and intrusive in a place of business.  When I try to call back, no one answers and all of their voicemail are full.  If I get one more of these phone calls, I'm going to turn it over to our legal department.

These people just called my sister in law looking for my husband, telling her that my husband has been named as a "Person of Interest". HA! We work for an Attorney, she is the office manager and I am a Paralegal. I can't wait for one of them to come to the phone, I have been on hold forever!!!

Sorry I have to agree. They been "in the process of suing me" for the last 10 months and I better call by the end of business. Etc.... such fraud. The alleged address they had for me was 6 years old. They even threatened to take my little sister income tax check. They refuse to give me any account or who the person is that I owe.  They are ignorant fraudulent losers.

Well, I just got a call from this company and they intro when you call their numbers states they work with a network of attorneys..the man i spoke to was George; i asked who he was and he stated he was a mediator for the company that I supposedly owe money to..Mediator can be left open for interpretation I guess :-)  I did not aknowledge any debt and asked tht he send me a letter. Mind you this thing is 5 years old and I know there are statutes on time to collect (does anyone know what those are??) when i asked him for a letter he asked me what I wanted it to say..Anyway, all in all he was pleasant but definately NOT an attorney, but a debt collector.

Received an ominous phone call from this company for a person who does NOT live here - and never has.  Tried to call to let them know and continually received a recording asking me to leave a message - which I did not do.  I plan to take legal action against them if they continue to leave these type of messages on my phone.  I am elderly and live alone  - plus, if they are some type of "collection agency" they definitely would not be contacting me because I pay ALL my bills in a timely manner - and am darned proud that I am able to do so!

Received a message for someone with my last name, but not me.  He also doesn't reside at my address, nor share my phone number.  Not sure where they got my number.  I called to let them know their "person of interest" isn't at my number.  Recording said I could leave a message, but immediately told me the mail box could not take anymore calls. Sounds like more of the same......

they called my mother, and said I was a person of interest. i called them back to find out what it was and couldnt even get through to anyone. then after ready all these posts, i'm glad i didnt talk to anyone and give them info about me!

I have been receiving calls from this 1-888-772-4172 and 1-888-762-5195 both saying I was a person of interest in an important matter. When I called 5195 back they stated it was a mistake in their system and didnt not have my name or phone number when they did an inquiry 4172 said the same thing; which leads me to believe these two companies may just be looking up random numbers trying to scam people. Although the representatives were both very nice and appologetic from both of these companies I would lawyer before I gave them any kind of information.

Actually I just called and spoke to 2 different people and both were nice and professional.  Turned out that they had the wrong number and they deleted my number off their calling list so I won't keep getting called.
Guess maybe you should pay your bills so you won't be called by a bill collector.

And I do not work for this company so don't say that I'm another employee trying to "scam" you.  Maybe you are scamming businesses cause you won't pay your debts.

Slow day in the boiler room? Having trouble making your quota?

As soon as you said they were "professional", the red flags came up, but you nailed it when you spewed this pay-your-bills crap. Just another incompetent CA letting us know that this site is working, thanks for that anyway.

You must think the people on this site are really dumb. Wrong.