Is this a scam?
- Nad| 17 repliesReceiving calls from Innovative Debt Solutions, Amherst, NY from someone named Megan Mason. She says they have no website (and google brings up a business by this name in Hollywood, Fl) and she is calling me about a debt my son supposedly has. A search of the # brings up nothing.
- NadForgot the # 877-644-7592
- not MichaelAsk your son.
Ask the caller to send you proof that your son owes the money. Do not acknowledge the debt.
Its my understanding that it is illegal for a debt collector to tell you about the debt unless your son is under age. So its probably a scam. - Kay1. If the collector gives you information regarding your son's 'supposed' debt, that's called third party disclosure and is illegal according to the FDCPA and that can be successfully litigated.
2. This is for everyone: You do NOT have to pick up the phone. You do not have to take a debt collector's call. Period. It really is that simple. If I know it is a debt collector calling, I do NOT answer my phone, under ANY circumstances. This forces them to do one of two things... either leave a message, in which case their entire message is recorded so if they break the law, I have proof... or you force them to communicate with you in writing. You only cause yourself grief when you answer the phone because they can say or do anything - and if you've not recorded it, then it's your word against theirs.
Good luck! - the deaf guydo any of you know what this "calvery collections" is about?
i never received anything in the mail that these people collecting for anyone for
anything. i am deaf cannot use phone for voice communication--even if i had one...
i have a phone service i use to connect to internet. my computer is set up to show
Incoming calls very much like the caller id ppl use....
i have no address to write and tell them what i said above and find out what they
want... but i think if their "want" was legitimate, they would send something in the
mail at least to threaten or intimidate.... like the rest of these flakes, wouldn't they?
at this point......... there is nothing i can do so, they can keep calling and knock themselves out - MBA replies to Nad| 1 replyDid you find out whether this was ligitimate? My husband received a call from this same woman, Megan Mason from Innovative Debt Solution and we have no idea what she's talking about.
- MJG replies to MBADid you receive anything IN WRITING?? Otherwise, ignore.
- doNothing replies to NadThey're not allowed to call a different person about the debt. Violates Fair Collection law.
- TredResponding to a 3 year old post is odd, don't you think? Unless http://www.hoovers.com/company-information/cs ... 8d84d4bda6.html just decided to use this number again. Does have a state of NY business license http://www.dos.ny.gov/corps/bus_entity_search.html they have no BBB report under this name but do have a website that looks about 3 shades of shady and hits all the buzz words of consolidate, lower interest rates, and lower payments. http://www.idebtsolutions.net/
- Rae Ann replies to Nad| 8 repliesI just had a call regarding the same thing. A gentleman by the name of Brian called and said that my son owes 5/3 money from Oct 2011. And that they need to collect this money before a judgment is filed against him. I am not sure if this is true and not sure if they should be talking to me about this since he is 24 years old. I have also googled the company name and only a business in Florida comes up. I also tried looking up phone # but can't find anything on that either. He has emailed me regarding the debt and I have returned email requesting a website and also information from 5/3 showing the charges owed.
- CelticDragon replies to Rae AnnEmail is RARELY accepted. They call again, tell them to send it Certified Mail. The fact they are calling you is always illegal
- Tamianth replies to Rae AnnA web site also means nothing. They could have tossed that up at anytime though most scammers don't even bother. Some do though. Best bet, call the bank involved and have them look for this supposed debt. This ploy is a very common scam. If he banked at that bank, they would have notified him to correct the problem then.. and no, they should not be talking to you at all about it. That is a violation of the FDCPA laws as well.
The only acceptable method of debt is via the US mail, neither phone, fax or email are legal. - Slim replies to Rae Ann| 1 reply>> He has emailed me regarding the debt <<
Celtic Dragon & Tamianth are correct.
1) emailed notifications of debt are not legally sufficient
2) it is illegal to contact people other than the debtor to tell of the debt
Here are OFFICIAL statements:
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
* 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. ["Written" means snailmailed ... not emailed or texted]
Source:
https://www.consumer.ftc.gov/articles/0149-debt-collection
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors - Tamianth replies to Rae AnnCan you post us a link to the website please?
- CelticDragon replies to SlimThank you Slim. I would also like this supposed link so I can run it through my checker
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