x (305) 423-7436 Free check caller telephone number

(305) 423-7436

located: United States, Coral Gables - FL

Caller Details

305-423-7436 is a contact number on a Cell Number. This device is registered in Coral Gables, Florida, FL.

Telephone number styles: 423-7436 (Local dialling)   (305) 423-7436 (Domestic dialling)   +1-305-423-7436 (International dialling) 

20 Report For (305) 423-7436

Report by Sarah Long ago Unknown
I just recently have reported this robert Wood and William Black to the FBI and my local Police department because I fell for their bs and actuallu submitted a payment to them. They also asked me to fax a statement stating who I was the last four of my social and my payment arangement to their attorney's office. I also fell for this and tried to fax the information because he was able to tell me all of my personal information, and come to find out the phone number 302-269-9936 is an invalid number. He then gave me his "personal" fax number 206-202-5619 that was not in this country. Thats when I started getting suspicious. So I then started to research these numbers and found that it is a fraud collection company that has purchased all of my personal information from an online payday loan company I had recently tried getting a personal loan with. This payday company SOLD my information to anybody! I hope that these people get caught!
Report by yesenia Long ago Unknown
I recevied a call with a person by the name of officer Robert Woods. Mr. Woods ask if my social security was and banking information. I refused to relase that information they did know what bank I banked with. The funny thing is that I just opened this bank account. I'm very concerned on how they received this information.
Report by Lenny Long ago Unknown
Called my residence claiming to be officer Robert Wood and having a warrant for my arrest.
Report by Shocked Long ago Unknown
I just received a call exactly as described by the others today. Only my caller said his name was Michael. They were calling for the person who previously had my cell #. I answered the line and told them they have the wrong number. With a very heavy accent he asked for my name. I told him wrong # and hung up. He also left a voicemail. From what little I understood he said he was from the Bureau of Investigation and not to ignore his call. He also wished me "Good Luck" if I didn't call back. Well, good luck to them to try and get anything out of me!!!
Report by Sick and Tired Long ago Unknown
I have been receiving calls from this man named Robert Wood (Officer) stating that I have an up paid Loan and is going to arrest me and or press chargers for fraud. I know I don't have anything out there like that so I know this is a scam. I wish I could stop them from calling me  because they are calling my office line. Another name they have left is Max Pena as well.
Report by Richard Long ago Unknown
Called claiming to be an officer
Report by Disgusted Long ago Unknown
Tried calling my wife 3 mos ago, now resorting to calling my in laws and threatening them over the phone. A Howard Wood, with a thick accent calling mother in law. We've filed a report with local sherriff office and caller used this number since other number was blocked last time.
Report by This Just In... Long ago Unknown
Consumer Alert: Attorney General warns Kansans of debt collection scamJanuary 29, 2010 -- Attorney General Steve Six is cautioning Kansas consumers about telephone calls from apparent fake debt collectors who are impersonating law enforcement officers in an effort to extort money from consumers.   Consumers are warned to not submit payments to these fraudulent debt collectors.When calling, the scammers most often state they are attempting to collect a debt related to an internet payday loan obtained by the consumer, but which the consumer never repaid.  Consumers state they have never obtained such a loan or paid off the loan years ago.  The scam artists have most recently identified themselves as ACS, National Affidavit Processing Department and United Financial Crime Division, but may use additional phony names.  It appears the phone numbers used by the scammers are “spoofed” numbers, so that the number appearing on a consumer’s caller ID is not the actual number of where the call originated. It appears the calls in question may be originating from outside the United States.When questioned, the individual calling refuses to disclose the full name or address of the collection agency they claim to represent.  These scammers have been able to provide consumers with identifying information, such as the consumer’s social security number, home address, e-mail address, names of family members and the consumer’s computer IP address.  Since the callers are able to provide valid personal information, consumers may become confused and believe they are being contacted in regard to a legitimate debt.If the initial debt collection scam is unsuccessful, consumers have been re-contacted months later with the scammers posing as law enforcement officers or officers of the court.  Typically, the consumer is threatened with arrest for fraud or some other fictitious crime unless the consumer agrees to immediately wire money via Western Union.  The fictitious officers strive to frighten and confuse consumers into compliance by using legal sounding terms such as “We’re filing an affidavit against you” or by stating a lawsuit has been or is in the process of being filed against the consumer.A hallmark of each scam has been calling consumers repeatedly at their place of employment.  This scam hit home when an employee of the Kansas Attorney General’s Office was repeatedly called both on her cell phone and at work.  Despite the employee’s repeated verbal disputes, the caller refused to provide any identifying information to allow her to send a written dispute. The scammer also continued to call her numerous times a day regarding a payday loan she denied obtaining. Two months later, she was again contacted by telephone by an individual identifying himself as an “officer”. “I denied owing the debt and refused to pay without being provided validation of the debt. I was then told, ‘If that’s the case, I will have local law enforcement come to your place of business and drag you out kicking and screaming’,” stated the employee.“It is important for consumers to know their rights under the law,” Attorney General Six said. “If a consumer is receiving calls from a debt collection company and believe it is a scam, I encourage them to contact our office immediately.”Under the Fair Debt Collection Practices Act (FDCPA), collectors are required to send consumers a written notice within five days of the initial contact.  The notification should contain  information such as the amount of the debt, the name of the creditor to whom the debt is owed and a statement informing the consumer they have thirty days to contact the debtor in writing to dispute the debt or request validation of the debt. In addition, legitimate debt collectors are prohibited by the FDCPA from making false or misleading representations, such as the consumer has committed a crime, implying nonpayment will result in the consumer’s arrest, or using the threat of violence.More information is available on the Federal Fair Debt Collection Practices Act at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf. To register a complaint with the Kansas Attorney General’s Consumer Protection Division, call 1(800) 432-2310 or visit www.ksag.org.http://www.ksag.org/page/consumer-alert-attor ... collection-scam
Report by Jazzdreamer54 Long ago Unknown
Officer Robert Wood calls my job and haress me about money that I owe to a US National Bank and that they are going to arrest me and call my supervisor to let them know that I am a crook and monsy launder. I told him that he has to do what he has to do. I ask that they send me a fax of my Capias which is out of TX, I live in Ohio, this came fromOscar Trevino and the fax number is out of PA. i am so sick of all the threats and calls .So now I just do not answer the phine when I see the number on my caller id.
Report by Wickey Long ago Unknown
Officer Clark?? with a HEAVY Arab accent states he needs to speak with me immediately, do not ignore the call, he needs to hear from me or my attorney of record.  He said if I ignore him,  all he can wish me is good luck, after that the situation falls on me.
Report by LAMET Long ago Unknown
LONG RUNNING AND KNOWN SCAM – ALL OVER INTERNET AND NEWS FOR ALMOST 2 YEARS NOW Fake Debt Collectors – Terrorizing Consumers http://abcnews.go.com/Business/story?id=5621205&page=1MORE ON FAKE DEBT COLLECTORS http://800notes.com/Phone.aspx/1-904-425-9141http://www.thepittsburghchannel.com/call4action/17285785/detail.htmlhttp://www.800helpfla.com/newsletter/2008/092008.htmlhttp://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html   latest release of information on this scamhttp://www.wvago.gov/internetloanscam.cfmAttorney General Darrell McGraw took the extraordinary step today of warning the public about a band of scam artists making threats to consumers who allegedly obtained Internet payday loans in West Virginia and across the nation. The consumers they threaten never obtained a loan at all or paid it off years ago.Internet payday loans are short-term loans or cash advances, usually for 14 days, made over the Internet via interactive web sites and secured by an agreement authorizing debits of the loan and all fees owed from the consumer’s checking account. These loans typically charge interest rates ranging from 600-800 APR and are unlawful in West Virginia. The scam artists, who speak English with a foreign accent, call themselves “U.S. National Bank,” “Federal Investigation Bureau,” “United Legal Processing” and numerous other phony names. They refuse to disclose real names and addresses and are believed to be operating “off the grid” from homes, automobiles, or from off shore locations or foreign countries, including India. Since the scammers have kept themselves purposely well hidden, thus far no law enforcement agencies have succeeded in locating or shutting them down.The scammers typically pose as law enforcement officers, investigators, lawyers, and bankers and threaten consumers that they will be arrested for “bank fraud” or other fictitious crimes unless money is wired immediately. They simultaneously scare and confuse consumers by using meaningless legalese gobbledygook phrases such as, “We are downloading warrants against you” or “We are filing an affidavit against you.” Consumers who don’t immediately fall for the scam are warned, “Only God can help you now.” The scammers almost always call consumers at work several times a day, and tell their supervisors, “Your employee has committed fraud and is about to be arrested.” Such threats have proven unsettling even to the most savvy consumers and employers who suspect the calls are fraudulent. Attorney General McGraw stated, “Ordinarily my office protects consumers from fraudulent activities by seeking injunctions in court. But legal action cannot be taken until the scam artists can be located. Even then, it is unlikely that the persons behind the fraudulent calls and extortionist threats would obey a court order. In this case, the consumer’s best defense is to be armed with the knowledge of the scam so that all demands for money can be resisted, despite the false but scarey threats of arrest.”McGraw added, “Because the fraudsters make a special point of calling consumers repeatedly at work, employers must understand that the consumers are innocent victims of a criminal enterprise and cannot stop the calls from coming. I also wish to assure the citizens of West Virginia that my office will continue to do everything possible to locate and shut down the outlaw debt collectors.” More information about this fraudulent debt collection scheme is available at the Attorney General’s website, www.wvago.gov/internetloanscam. Any consumers who have been threatened by these persons or wish to file a complaint about another consumer matter may do so by calling the Consumer Protection Hot Line, 1-800-368-8808, or by obtaining a complaint form from the Attorney General’s web site.It's a debt collection scam. And all their threats are false and illegal.This is a very active group of scammers, many of whom are calling from India (and probably other countries) and are in cahoots with a group of American pay day loan scammers. They attempt to extort money from consumers with a myriad of false and illegal threats, and alternately pose as debt collectors, federal and state law enforcement officers, lawyers and bankers. Their trademark is to use meaningless legalese gobblygook phrases like "We are downloading warrants against you" or "We are filing an affidavit against you." Another trademark phrase is to threaten the consumer with something like this ridiculous phrase: "If you don't pay then only God can help you."Typical of many financial scams of this variety, they usually demand payment via Western Union or MoneyGram or credit card. They use any number of phony names such as US National Bank, Federal Investigation Bureau, US Legal Investigation Bureau, Hopkins Law Office, United Legal Processing, Morgan Associates, United Pay Services, National Processing, White Collar Crime Unit and many more.  These criminals also use many phone numbers from many area codes; they're probably using caller-id spoofing software and/or VoIP to disguise their real location.The main thing to remember is that anytime someone calls you demanding money to prevent your arrest, or demanding your lawyer's name so they can sue you, it is ALWAYS a scam. No debt collector (let alone criminals posing as debt collectors) has the authority to have anyone arrested for anything. (And it's illegal to them to threaten such a thing.) And since these foreign dirtbags routinely impersonate law enforcement, it's also important to remember that American law enforcement officers aren't in the business of debt collection.  (Debt is a civil, not a criminal, matter.)The bottom line is, these are criminals trying to steal your money.A consumer posting a complaint about these same scammers at http://800notes.com/Phone.aspx/1-718-831-7157 notes that 718-831-7157 is associated with an India-based "outsourcing" telephone bank.  Though a reverse search on WhitePages.com shows that 718-831-7157 is an unlisted land line in New York City, information on Debtbuyers.Com shows that that number is used by India-based Intellisourze. (Source: http://www.debtbuyers.com/debtbuyers.asp ) My guess is that it's a VoIP phone number.This is another piece of the puzzle that fits in perfectly with other information about this scam. There are some reports on 800Notes that have suggested that the crooks behind this offshore scam are also the crooks behind the notorious Bass/Ellis Crosby & Assoc./States Predisposition scams in Florida and Georgia. The interesting thing is that the number of complaints on here about the US National Bank/US Legal Investigation/Federal Investigation scam skyrocketed *after* April 7, 2008 when Florida obtained a $1.3 million judgment against Ted Ellis Crosby, shutdown his operations and barred him from ever conducting debt collections in Florida (Read http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6 ) There's certainly a good chance that the crooks placing these calls from India are doing so on behalf of the American crooks behind the Crosby/Bass/States Predisposition scams.Here's the contact information for the phone bank in India: IntellisOurzE BPO701, Sapphier, Nr. Cargo Motors,C.G. Road Navrangpura,Ahmedabad - 9. (Guj.) INDIA.E-Mail: info@intellisourze.comWebsite: www.intellisourze.com A check on the domain name "intellisourze.com" shows that the website and name registration was created on May 8, just one month *after* the Crosby scams were shut down in Florida:Domain Name: INTELLISOURZE.COMRegistrant:  Pragra Infratech Pvt. Limited.Email:  ankur.ranpariya@pragra.com   908, Aksaht Tower, Nr. ICICI BankOpp. Rajpath Club, S.G. HighwayAhmedabad, Gujarat, India 380054Tel. +91.7926871353Creation Date: 08-May-2008Expiration Date: 08-May-2009Domain servers in listed order: ns5.znetindia.com ns4.znetindia.com(Source: http://whois.domaintools.com/intellisourze.com )Though scam calls from these crooks have been going on long before May 8, the frequency of complaints about these calls increased considerably after Crosby was shut down in early April.This is conjecture, but appearances suggest that Crosby and company were originally running a two-pronged payday loan scam operation -- with some calls being made from Jacksonville, Florida and other calls being made from a phone bank in India (and possibly other countries); then, after the Florida Attorney General shut down the Crosby scams in Florida, the Crosby crooks transferred most of their scam efforts to the India phone bank.If you are targeted by these criminals, be sure to report them to all the following federal and state law enforcement agencies (most of which you can do online or over the phone): 1.    The U.S. Secret Service is responsible for protecting the country's financial infrastructure and payment systems from international and domestic threats. Call or write your local Secret Service field office to alert them to the details of this attempted extortion. The addresses and phone numbers for the local Secret Service field offices are listed at http://www.secretservice.gov/field_offices.shtml or in your phone book.2.    Alert the FBI at https://tips.fbi.gov Be sure to tell the FBI that you are being targeted by extortionists over the phone. And if the crooks claim to be law enforcement or lawyers, officers of the court or bankers, be sure to include that information in your report.3.    File a complaint with your local police. Most police departments will take a report over the phone.  Be sure to tell them that you're being targeted by an extortionist and give them all the details.4.    File a complaint your state's attorney general, the contact information for whom is at www.wvago.gov5.    File a complaint online with The Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enIf these crooks call back, promise them nothing, pay them nothing and tell them nothing other than that you know they're a scam and that you've reported them to law enforcement. (And be sure to report them to all the agencies above each time they call you.)By the way, here's just a small sample of numbers used by this particular group of scammers. Read the reports and you'll see the same pattern time and again -- phony organization names, thick foreign accents, and oddly worded threats that are so melodramatic and ridiculous that it's laughable:http://800notes.com/Phone.aspx/1-925-262-1327http://800notes.com/Phone.aspx/1-678-954-6346http://800notes.com/Phone.aspx/1-888-341-4004http://800notes.com/Phone.aspx/1-856-831-0640http://800notes.com/Phone.aspx/1-949-743-1140http://800notes.com/Phone.aspx/1-410-505-8128http://800notes.com/Phone.aspx/1-917-464-2534http://800notes.com/Phone.aspx/1-210-858-6602http://800notes.com/Phone.aspx/1-888-775-2121http://800notes.com/Phone.aspx/1-949-743-1156http://800notes.com/Phone.aspx/1-214-245-1402http://800notes.com/Phone.aspx/1-214-245-0922http://800notes.com/Phone.aspx/1-214-723-5572http://800notes.com/Phone.aspx/1-904-425-2863http://800notes.com/Phone.aspx/1-718-831-7157http://800notes.com/Phone.aspx/1-904-425-2857http://800notes.com/Phone.aspx/1-858-244-0444http://800notes.com/Phone.aspx/1-954-678-9724http://800notes.com/Phone.aspx/1-610-571-3252http://800notes.com/Phone.aspx/1-310-909-8245http://800notes.com/Phone.aspx/1-310-499-9983 http://800notes.com/Phone.aspx/1-888-771-9249   Scammer posting here as GARY and GARRY JONES http://800notes.com/Phone.aspx/1-866-860-4509   Scammer posting here as Mike Hendersonhttp://800notes.com/Phone.aspx/1-212-500-0839   Scammer posting here as Ricky http://800notes.com/Phone.aspx/1-201-244-7722   Scammer posting as Carole, David Brown and AmandaScam alert: Bogus debt collectorsBy Leslie McFadden • Bankrate.comMonday, Aug. 3Posted 2 p.m.Bankrate reporter Leslie McFadden contributed this entry.This scam isn't technically about credit cards, but it is scary enough to post a warning. The Better Business Bureau issued an alert today saying consumers across the country are getting phone calls from bogus debt collectors claiming default on a payday loan. Of course, the consumer needs to pay a large fee to avoid arrest -- as much as $1,000.The caller poses as a lawyer, and may threaten extradition to face trial if the consumer doesn't pay up immediately.What makes these calls alarming -- and perhaps convincing -- is that the perpetrators reference the consumer's personal information, such as the person's Social Security number, driver's license number, previous bank account numbers, home address -- even personal references."The amount of information they have is really troubling," says BBB spokeswoman Alison Southwick. She adds that the amount of data points to a possible security breach.Spread the word to your friends and family: Don't give out personal or financial information to an unknown caller. Scammers can spoof Caller ID to display different numbers, so trust your instincts over technology.The BBB offers these tips:•    Ask the debt collector to provide official documentation which substantiates the debt. •    Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call. •    File a complaint with the Federal Trade Commission online if the caller is abusive, uses threats or otherwise violates federal telemarketing laws or the Fair Debt Collection Practices Act. •    File a complaint with the Better Business Bureau online if you believe a debt collector is trying to scam yo
Report by Stunned4sure Long ago Unknown
I just can't believe this. My jaw has not shut since I read all of these similiar posts. It is hard to admit that I accepted a stupid pay day loan a while back. Times were tough and I did what I had to. I paid my debt back to Midland Financial, needless to say I was quite surprised to get a phone call The office of Robert Wood Loan Investigation department. He said he received paperwork on me from the federal crime protecion division. I was the prime suspect in a fraudulent act with US National Bank. Let me just share with you how hard it was to understand anything that he was saying b/c his accent was so thick. He went round and round about how I was being taken to court. I asked him to mail me documentation so I could review the debt he was claming I owed. I wanted to have the opportunity to review it and do some research. He told me he was not legally obligated to do so (yes, he is). I asked him to email me notification of the debt. He refused. He finally told me he would call the original creditor (Midland Marketing) and ask them to email it to me. When he said Midland Marketing a light bulb came on and I told him I had already paid that debt. I just needed a minute to find my paperwork. When I told him it was Midland Financial he said 'NO' it is Midland Marketing...different company. I was really starting to get suspiscious at this point. He proceeded to tell me that he would find out if the creditor would email me the notfication of my debt. He called me a few minutes later and told me Oscar Travino would be emailing me the paperwork. I did receive an email from Oscar about an hour later...his email address is: oscartrevino123@gmail.com. Are you freaking kidding me? I could have created that personal GMail acct. When I called this gentleman back (remember the first time it was the office of Robert Wood)... he announced himself as Robert Wood. I informed 'Mr Wood' that I had the right to demand a letter from his company in writing. He told me he did not have to. He blamed me for avoiding to pay my debt. I looked up Midland Financial and Midland Marketing online, they are the same company. When I informed him of this... he told me they were not. I told him I was going to report him to the Attorney General of Florida and he said go ahead. He continued to speak over me so I finally hung up the phone. If I can give any adivice to people out there... Keep all documentation for your records! Know your rights - you have the right to request the companies request in writing. Do your research. Some companies go by multiples names...make sure you are not paying the same debt twice. Good Luck to those who work hard for what they have and try to make things right.
Report by dg Long ago Unknown
I have received many harassing phone calls to my cell and work, for a group claiming to be a collection bureau for businesses I have never dealt with.  Unfortunately in the past I was not thinking when I applied for online loans.  They have threatened my family and my job.  They state that they are with the FBI or the United Nations.  I hadn't heard from them for about a year other than in emails that I deleted.  And I thought this was over.  They are claiming that they made a deposit into an account that hasn't been open since 2006. The phone number for them is (305)423-7436.  The gentleman that I dealt with was calling himself "Officer Mark Greeno".  When he first called, he referred to himself as Mark Santos, trying to sound like one of the people that I deal with at my office.  My coworker took a message for me to return his call, since I was otherwise occupied.  When I first returned his call he states " Oh I, busy at the moment, I'll call you right back."  The sounds in the background were like those in a garage.  When he called me back the whole story changed.  Now he was an Officer calling on behalf of "Midland Financial" a company that I had dealt with in the past.  He informed me that he would be having me served with court papers tomorrow and that I would be fired from my job.  I told him that that debt had been settled. He gave me a fax ph# (206)203-2866 that he said he must have or again I would be arrested.  I contacted the company that I had settled the debt with.  They confirmed that I had settled the debt and that my balance was at a zero balance.  They were also appalled that someone else was claiming to represent a client of theirs so rudely.  They were kind enough to forward to me a receipt showing that this information was correct.  I faxed the receipt showing settlement to "Officer Greeno".  When I called him to inform him that the fax was coming, now the name of the company changed from "Midland Financial" to "Midland Marketing".  He said that he would review the fax and call me back.  After 20 minutes he called me back, claiming that since the letter didn't say either of the Midland companies that he could not accept it.  I told him that the Supervisor had instructed me to have them call her if there were any problems.  He told me that he was not authorized to call anyone regarding any other payments.  But he did say that he did speak to the attorney for Midland and they would agree to reduce my balance from the amount that I had paid on my last payment to Mercantile.  Now by balance would be $3??.??.  Strange, if I do say so myself.  I kindly informed him that I would be registering a complaint with my Utah Attorney General's Office.  That they would be more than interested in what has gone on. I hope that you will be able to assist me and any others who have been entangled in this situation.
Report by dg Long ago Unknown
They got me too.  Hope we can stop them in their tracks.  They are clearly in violation of the Fair Debt Collection Act.  Report them to your State Attorney General.
Report by Kathy Long ago Unknown
I have received numerous phone calls from these people harassing myself and co-workers at work.   They state they are from the United States Bureau of Investigation and are representing themselves as officers.    They have been repeatedly told not to call my place of employment but continue to do so.    The caller ID on our phone is coming in as Strook & Lavan which is a law firm in Miami but I am positive that a legal firm knows the Fair Debt collection Act.     These people barely speak English
Report by Secret Squirrel Long ago Unknown
Fake Debt Collectors and Collection TacticsIf consumers did not have enough to worry about having to deal with rising credit card interest rates, late fees and over-limit fees, zombie debt, and fervent bill collectors, now we have to worry about collectors calling about fake debt.While many legitimate collection agencies follow the FDCPA, there are some collectors out there that are only running a scam operation and will be quick to use threats and scare tactics to get you to pay up quick. Their scams turn up in mailboxes, on the internet and through the telephone every day. Some collectors pose as national banks, government agencies (FBI, CIA), or even popular celebrity stars to gain personal information. These phony collectors may threaten to repossess your house, issue a warrant for your arrest, or even garnish your pay check, all of which are against the FDCPA rules. Some of which are even laughable (for example, there is no debtor’s prison in the United States).Fake debt scammers rely on the fear and lack of knowledge about debt collection laws within the population. They also figure that a certain percentage of their calls will be received by individuals who may be carrying debt on credit cards anyway and may be susceptible to intimidation. When collectors use misleading statements and fail to provide identification, they are breaking the law. Never pay money to a possible thief. Keep cool when you hear from collectors to avoid this collection abuse.Many times, people who took out payday loans online in the past are most susceptible. If you took a payday loan, be aware scammers may have access to your Social Security number and other personal information, and keep your guard up against such tactics.Ironically, real "deadbeats" probably wouldn't fall for these scammers, since they have no intention of repaying their creditors anyway. But upright citizens may doubt themselves, thinking they've forgotten to pay a bill. Many times, the sums involved tend to be fairly small, so some people may be tempted to just pay the "bill" and "get it over with."Ways to Protect Yourself Against Debt Collection ScamsReview your credit report frequently to find inaccuracies. Be aware of your current creditors and how much you owe. Ask creditors for identification before you provide any information over the telephone. Reporting Fake Debt CollectorsIf you ever receive a call from anyone identifying himself as a debt collector, the law requires that the debt collector provide you with identification, and that the debt collector refrain from making misleading and threatening statements.You can report any problems you have 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.http://www.internetautoguide.com/credit-cente ... on-tactics.html
Report by Teresa Long ago Unknown
Caller used name Officer Robert Wood said he's from Federal Investagations Dept. Has a warrant for my arrest from United National Bank out if Pa. For a deposit made twice into an account I don't even have or ever had in the amount of $500 total. Threatened to have me arrested if I didn't send him the money he was requesting with in 2 days... This is a scam.. I reported it to my local sherriff dept as well.
Report by Teresa Long ago Unknown
Caller used name Officer Robert Wood said he's from Federal Investagations Dept. Has a warrant for my arrest from United National Bank out if Pa. For a deposit made twice into an account I don't even have or ever had in the amount of $500 total. Threatened to have me arrested if I didn't send him the money he was requesting with in 2 days... This is a scam.. I reported it to my local sherriff dept as well.
Report by Donna Long ago Unknown
Used named Robert Wood (Officer) this is the third time in the past couple of years they have called me trying to scam me out of money
Report by N v Long ago Unknown
Caller says that he is with the United States Bureau of Investigation and he has a warrant for my arrest.

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20 Report Long ago Unknown
WASHINGTON (AP) — So much for silence from telemarketers at the cherished dinner hour, or any other hour of the day.Complaints to the government are up sharply about unwanted phone solicitations, raising questions about how well the federal "do-not-call" registry is working. The biggest category of complaint: those annoying prerecorded pitches called robocalls that hawk everything from lower credit card interest rates to new windows for your home.Robert Madison, 43, of Shawnee, Kan., says he gets automated calls almost daily from "Ann, with credit services," offering to lower his interest rates."I am completely fed up," Madison said in an interview. "I've repeatedly asked them to take me off their call list." When he challenges their right to call, the solicitors become combative, he said. "There's just nothing that they won't do."Madison, who works for a software company, says his phone number has been on the do-not-call list for years. Since he hasn't made any progress getting "Ann" to stop calling, Madison has started to file complaints about her to the Federal Trade Commission, which oversees the list.Amid fanfare from consumer advocates, the federal do-not-call list was put in place nearly a decade ago as a tool to limit telemarketing sales calls to people who didn't want to be bothered. The registry has more than 209 million phone numbers on it. That's a significant chunk of the country, considering that there are about 84 million residential customers with traditional landline phones and plenty more people with cellphone numbers, which can also be placed on the list.Telemarketers are supposed to check the list at least every 31 days for numbers they can't call. But some are calling anyway, and complaints about phone pitches are climbing even as the number of telemarketers checking the registry has dropped dramatically.Government figures show monthly robocall complaints have climbed from about 65,000 in October 2010 to more than 212,000 this April. More general complaints from people asking a telemarketer to stop calling them also rose during that period, from about 71,000 to 182,000.At the same time, fewer telemarketers are checking the FTC list to see which numbers are off limits. In 2007, more than 65,000 telemarketers checked the list. Last year, only about 34,000 did so.Despite those numbers, the FTC says the registry is doing an effective job fighting unwanted sales calls."It's absolutely working," Lois Greisman, associate director of the agency's marketing practices division, said in an interview with The Associated Press. But, she said, "the proliferation of robocalls creates a challenge for us."Greisman said prerecorded messages weren't used as a major marketing tool in 2003, when the registry began. "In part because of technology and in part because of greater competitiveness in the marketplace, they have become the marketing vehicle of choice for fraudsters," she said.For people trying to scam people out of their money, it's an attractive option. Robocalls are hard to trace and cheap to make.With an autodialer, millions of calls can be blasted out in a matter of hours, bombarding people in a struggling economy with promises of debt assistance and cheap loans. Even if a consumer does not have a phone number on the do-not-call list, robocalls are illegal. A 2009 rule specifically banned this type of phone sales pitch unless a consumer has given written permission to a company to call.Political robocalls and automated calls from charities, or informational robocalls, such as an airline calling about a flight delay, are exempt from the ban. But those exemptions are being abused, too, with consumers complaining of getting calls that begin as a legitimate call, say from a charity or survey, but then eventually switch to an illegal telemarketing sales pitch.Robocalls can be highly annoying to consumers because they're hard to stop. Fraudsters use caller-ID spoofing so that when a person tries to call back the robocaller, they get a disconnected number or something other than the source of the original call.The best thing people can do when they get an illegal robocall is to hang up. Do not press "1'' to speak to a live operator to get off the call list. If you do, the FTC says, it will probably just lead to more robocalls. The caller will know you're there and willing to answer, and may continue to call.The FTC says people can also contact their phone providers to ask them to block the number. But be sure to ask whether they charge for that. Telemarketers change caller-ID information often, so it might not be worth paying a fee to block a number that will soon change.The industry says most legitimate telemarketers don't utilize robocalls to generate sales."They give a bad name to telemarketers and hurt everybody," says Jerry Cerasale, senior vice president of government affairs at Direct Marketing Association, a trade group.Cerasale says the do-not-call list has resulted in telemarketers making far fewer cold calls to random people. Instead, he says, marketers have shifted to other methods of reaching people, such as mail, email or targeted advertisements on websites. That, he said, could be one of the reasons that the number of telemarketers checking the registry has dropped so sharply.In light of the increased complaints, the FTC is stepping up efforts to combat robocalls. It recently released two consumer videos to explain what robocalls are and what to do about them. It also announced an October summit to examine the problem and explore the possibility of emerging technology that might help trace robocalls and prevent scammers from spoofing their caller ID.Enforcement is another tool. The FTC has brought cases against about a dozen companies since 2009, including Talbots, DirecTV and Dish Network. The cases have yielded $5.6 million in penalties.The agency said this month that it was mailing refund checks to more than 4,000 consumers nationwide who were caught up in a scam where the telemarketer used robocalls from names like "Heather from card services" to pitch worthless credit card rate reduction programs for an up-front fee. Checks to consumers range from $31 to $1,300 depending on how much was lost.To file a complaint with the FTC, people can go online to www.ftc.gov or call 888-382-1222 to report their experience for possible enforcement.http://www.huffingtonpost.com/2012/09/16/do-n ... 2.html#comments

503-457-1367

20 Report Long ago Unknown
This is ridiculous that my cell number is on the Do Not Call Registry and I am still receiving calls from telemarketers. I was under the impression that by registering my phone number that telemarketers could not call my number. The Do Not Call Registry is not working. According to my research on phone number 503-457-1367 the Owner lives in Tillamook, OR. This is my second complaint about this number and it shows that it is from Pacific Telecom Communications Group out of Oregon.

503-457-1367

20 Report Long ago Unknown
received this from the OR consumer protection enforcement folks:  The Oregon Department of Justice has received a recent onslaught of complaints  reporting repeated calls from telemarketers that use the name "Card Services" or "Account Services." These calls come from marketing firms that pass you off to a company promising to lower your interest rates for a fee. Many of them originate out of the country but appear to come from an Oregon area code, because they are using phone technology to spoof the caller ID. These calls are frustrating and intrusive. Unfortunately, the deceptive tactics employed by the callers also make them next to impossible to trace and hinder our ability to stop them. If you are receiving these calls, check with your phone service provider to find out what blocking services they offer. The operations making these calls are ignoring the National Do Not Call Registry, and the Federal Trade Commission is actively involved. They have already filed several lawsuits and more are expected. For more information or to file a complaint, please call 1-888-382-1222 or visit www.donotcall.gov.

503-457-1367

20 Report Long ago Unknown
This number called my cell phone at 2:47 p.m. Eastern.  I did not answer, and no message was left.  My number is on the do-not-call list.

503-457-1367

20 Report Long ago Unknown
I have  had 4 calls today alone and 3 yesterday, I am sooo tired of these Why can't it be stopped..

503-457-1367

20 Report Long ago Unknown
The "do not call" registry is a joke.  Answer, and no one says anything, then it disconnects.  When you call the number back, it immediately answers with, "There's no one to take your call.  Goodbye."  A waste of good cell phone minutes.

503-457-1367

20 Report Long ago Unknown
i got 3 calls as i answer the phone they hang up iam on the do not call registery

503-457-1367

20 Report Long ago Unknown
I am on the do not call list and have been receiving calls from varis numbers including this one today at 11:21a

503-457-1367

20 Report Long ago Unknown
Just called my cell phone. Luckily, I didn't answer. When I tried to call the number back, there was an automated answer that said there was no one to take my call...hmmm...I've had a lot of calls recently on cell and landline regarding security systems, lowering interest rates on my credit card, etc. When I select the correct # for "Don't want any more contact," the call disconnects but I still get more calls. How do I get these stopped???

503-457-1367

20 Report Long ago Unknown
Called my cell phone.  Called themselves security center. Bet it was another fraudelent security system company.  I did not respond, and automated system hung up.

503-457-1367

20 Report Long ago Unknown
It is a CLEVER device!! If you hold a digit down it will make it hang up. (on phones that hold a tone and don't just beep! I put them in my contact list and labeled it as SH*T..

503-457-1367

20 Report Long ago Unknown
Answered. Call was dead air. Started pushing buttons and the cleaver IVR started talking. I say cleaver because I initially thought it was an automated message, but it gave me her (its) name and started interacting with me like it was a human. I asked "are you a human" and it responded "I don't understand the question". That was what I originally thought. I asked the system to take me off of their list, but it wouldn't. I tried to get to a human, but I was already agitated from a hard day's work and it hung up on me.I may need to find all of JD's posts and add it to my dump list so it doesn't ring my phone, goes strait to VM, and has an obnoxious message.

503-457-1367

20 Report Long ago Unknown
Please do not call again.

503-457-1367

20 Report Long ago Unknown
This telephone number belongs to Pacific Telecom Communications Group.  They are a public utility who's primary business involves facilitating illegal telemarketing calls.For more information about the people behind this unsolicited call, go here:  http://telemarketerspam.wordpress.comIf you want to stop these unsolicited telemarketing calls, PLEASE send a complaint to Oregon State regulators about these illegal calls from Pacific Telecom's phone numbers:Oregon Public Utilities Commission Online Complaints:  http://apps.puc.state.or.us/consumer/complaint.aspOregon Attorney General’s Office Online Complaints:  https://www.doj.state.or.us/consumer/complaint.shtmlOregon Governor’s Office Online Complaints:  http://governor.oregon.gov/Gov/contact.shtml

202-681-8415

20 Report Long ago Unknown
this people has no life

202-681-8415

20 Report Long ago Unknown
Ha i just got the same msgs from the same Christina Beyaaash.... thanks for the posts people, now I know it's a scam for sure  :)

202-681-8415

20 Report Long ago Unknown
Thanks so much!  Just missed the bullet!!  They/It used Christina Bertilone name.

202-681-8415

20 Report Long ago Unknown
just got a bunch of text messages from a Christina bertilone trying to buy furniture for 1250 without seeing and she said her hauling company would pick it up. I thought it was weird but people do crazy things so I gave her my paypal info then half an hour later we got emails saying that 1950 was deposited to our account but in order to have the money released we had to send 600 dollars via Western Union to a Frank something for shipping and handling. I thought this was way to crazy so googled her name and found this out. I'm in virginia too so this is crazy! What can we do about this fraud?

202-681-8415

20 Report Long ago Unknown
Same as all of you.  Total Spam.  Asked to pay through PayPal.

202-681-8415

20 Report Long ago Unknown
I guess I had a reason to be suspicious of the bad grammar, and fake name.

202-681-8415

20 Report Long ago Unknown
http://s268.beta.photobucket.com/user/EccentricTic/library/Malarkey%20Texts?I've had the exact same experience, and decided to make proof. Thanks.

202-681-8415

20 Report Long ago Unknown
Same as everyone here!!!!! WTF Really thanks for getting everyones hopes up and wasting everyones time we all are oh so thankfull especially this holiday weekend thanks again!!!! If anyone sees this name or number just avoid at all costs!!!!!!!!!!!

202-681-8415

20 Report Long ago Unknown
Just got some texts from this person today about my car. It is really sad that someone has abolsutly NO life at all except messaging and emailing people. These kind of people make me sick. Like I said really really sad. She hasn't responded to my texts because I called her out on it. F HER!!

202-681-8415

20 Report Long ago Unknown
this person is also texting me, for an item on craigslist. they will not answer direct questions. they get extremely silent when you tell them that your paypal is verified. it is a nigerian scam

202-681-8415

20 Report Long ago Unknown
If something is too good to be true it usually is. Sadly.... I received an email response to my Craigslist ad. Here is what "Melissa Bellamy" emailed me with. "Thanks for the response, My name is Melissa Bellamy. I am buying it as a surprise for my husband to our new home that we are  planing on moving in with my family and I want to keep it that way(AS A SURPRISE) until the delivery day. I work with the military as a SDI 8T000 and am stationed in Lackland Air Force Base AFB LAFB San Antonio which makes it very hard for me to make phone calls but you can always text me on (202) 681-8415. I will not be able to view it in person but I have a Mover who will come for the pickup.Am requesting the payment via PayPal cause i don't have access to my bank account online as i don't have internet banking, but i can pay from my PayPal account, as i have my bank a/c attached to it (if you don't have an account just log on to (www.paypal.com) and you don't need to worry about PayPal charges as i will be covering it on my end. . I have some question for you:"

202-681-8415

20 Report Long ago Unknown
Just got the same thing from the number asking to buy my car off Craigslist and send me payment threw PayPal when my ad clearly states cash only!!! She claimed her name was Melissa Bellamy and I just googled the name and luckly saw this post and replied to her text in a not so nice way :) I can't stand scammers!!!!   (202) 681-8415

202-681-8415

20 Report Long ago Unknown
Thank you all for your posts.  Just got the same text, from Mellisa Bellamy asking to pay for a car I put on Craigslist. with paypal. You saved me so much time and headaches.

202-681-8415

20 Report Long ago Unknown
Same thing. Posted ad on craiglist. Wanted to pay with paypal and send her money back. Name is the same from the scam emails.

202-681-8415

20 Report Long ago Unknown
I recieved a strange text on my phone in regards to a posting on Craiglist so I looked up the number and found that people were having the same issues with the number.  I had the same message that her name was Melissa Bellamy and was really interested in the purchase but wanted a few questions answered and listed all of them.  I also had the suprise for her husband message.  Appears to be a scam, I sent back and stated thats what it looked like.

202-681-8415

20 Report Long ago Unknown
I had the same number offer to pay via PayPal. I told her CASH ONLY! Melissa Bellamy was her "name"! Surprise for her husband! WOW...she needs a new bs line!

202-681-8415

20 Report Long ago Unknown
Same phone # texted me that she would to pay via paypal, would purchase sight unseen and was buying as a surprise for her husband. I advised her I had a cash buyer!  Had another similar text, that also wanted to pay via paypal, would buy sight unseen and were buying it as a surprise for their cousin.  The other telephone # was 253-681-8415.. SCAMMERS!!!! UUGGHH!

202-681-8415

20 Report Long ago Unknown
Just received the exact same text: Christina Bertilone.  Asked the same questions and requested PayPal.

202-681-8415

20 Report Long ago Unknown
yup got this in email:Thanks for the response back, i would want you to know am serious about this purchase and am satisfy with your price, i will appreciate you send me close up pics any time you are less busy as for me to have a better look here and make my decision about buying it . I would have love to come in person but have been post out of town to San Antoni and would take me few months to be back but i will arrange for it to be picked up by an hauler agent who will be coming for the pickup after the payment clears. Due to security protocol of my job phone conversation is limited but you can text me at (312) 380-9441, payment will be made via paypal only (if you don't have an account, paypal is very easy, safe and secure, log on to www.paypal.com) since I'm requesting this transaction to be done via paypal, i will cover all the paypal charges at my end. I'm sorry i will not be able to come look at it in person as I'm present unavailable due to my work conditions and paypal is my only payment option as its the only payment form i can access here. I hope we can make the purchase as fast as possible? please answer the very questions below:Are you the first owner of it?Why are you selling it?When have you been using it?still in a good condition?

202-681-8415

20 Report Long ago Unknown
Texted me about a Craigslist Ad. Obvious scammer. Won't answer direct questions, generic responses. Scam!

888-226-1843

40 Report Long ago Unknown
I just do not pick up calls from numbers that I do not know. Eventually they will take me/you out of the robo dialer.

888-226-1843

40 Report Long ago Unknown
Started calling again, but no message on machine.  SCUMBAG COLLECTION AGENCY that buys up old debts for pennies on the dollar and tries to collect. They’re looking for someone with the same last name as mine that doesn’t live here. They appear to collect any & all phone numbers that MAY BE related to the person they are trying to collect from and hound the hell out of everyone of them. These a***oles and many others have been calling me on and off for at least six years. When one gives up another one starts. Here is information I have garnered on this one from various internet searches:Northland Group (or LVNV Funding)7831 Glenroy Road, Suite 250, Edina, MN 55439P.O.Box 390846,  Minneapolis, MN 55439877-321-3549, (888-226-1843 on caller ID), 800-800-8191, also Denovus Corp.480 Johnson Rd  Suite 110,  Washington, PA 15301866-520-9192

888-226-1843

40 Report Long ago Unknown
Receiving calls for a "Susan" who is in debt. Must be a collection agency. No such person here.

888-226-1843

40 Report Long ago Unknown
This phone number constantly is recorded in my "caller i.d." machine. Never has a message been left in my "message recorder."

888-226-1843

40 Report Long ago Unknown
I dont know them i dont want to know them and they call all day long iam sick of them They  wont tell me y they are callin they ask me WHO ARE YOU i will not tell them and they tell me they will call here until i thell them who iam

888-226-1843

40 Report Long ago Unknown
This Northland group is horrible. Very rude; the Better Business Bureau should close them down!

888-226-1843

40 Report Long ago Unknown
lamet-most of your information is correct. However, a person's request for validation is not limited to within the first 30 days after the debt collector first sends their dunning letter stating you have 30 days to respond. If you read the applicable law, it only states that 30 days after the initial letter, the debt collector may consider it valid. Just because the debt collector considers it valid does not make it so. You can request validation at any time that you first become aware of the debt. Unless the debt collector has a signed return receipt confirmation showing you received such contact, no time frame is valid. You might run your credit reports and find debts listed you know nothing about. You can request validation at that point. Or you might not be aware of said debt until you are actually served with a summons and complaint to appear in court. You can request validation during those proceedings. And if you handle your requests in a certain manner, you could even turn the table on the debt collector and sue them for fraudulent credit reporting and/or debt collection practices.An excellent website which has a wealth of information on debt collection and credit reporting in plain english, as well as explaining exactly how to proceed with debt validation is located here:http://www.creditinfocenter.com/rebuild/debt_validation.shtml

888-226-1843

40 Report Long ago Unknown
http://consumerjustice.com/consumer/agencydetail.aspx?id=62507831 Glenroy Rd #350City : EdinaState : MinnesotaZip : 55439 --------------------------------------------------------------------------------Phone No.  800-800-8191- 800-831-4005 800-500-8266 952-831-4005 800-248-3038 866-380-8783 877-321-4053 866-272-3010 866-572-8957 952-835-2273  Fax 952-831-7356     www.northlandgroup.com lblack@northlandgroup.com     Notes Junk debt collectors, bottom feeders collecting on very old, out of statute debts. Make them prove everything, (you may not legally owe them.)   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.htmlStatute of Limitations by State – always double check YOUR OWN STATE Government Website http://www.budhibbs.com/statute_of_limitations.htmRecording calls from Debt Collectors - always double check YOUR OWN STATE Government Websitehttp://www.budhibbs.com/record.htmFrom Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT Debt Collection FAQs: A Guide for ConsumersIf 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 InformationTo 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

888-226-1843

40 Report Long ago Unknown
VEry rude- asked for my mother, who has dementia, they wanted me to fax a copy of POA without telling me why the call or who they were.  I'm not about to do that!!  Also, we don't owe anyone anything!!  They said the calls would continue!!

888-226-1843

40 Report Long ago Unknown
I've asked them several times to stop calling.I'm on the do not call list.I've reported them to the do not call list registry before.They still call me.I want their names, addresses, and phone numbers so I can sue them.

888-226-1843

40 Report Long ago Unknown
want to know it this was first name   last name....  I called them back and said that there were a number of people with my name through out my state and to not call me  ......

888-226-1843

40 Report Long ago Unknown
Nat'l no call list,...you believe that really works??? It's yet another scam.

888-226-1843

40 Report Long ago Unknown
they keep calling, have no idea who the heck they are, since I am on the national no call list.  They call 2 to 4 times a day

888-226-1843

40 Report Long ago Unknown
Got a call from a woman asking for a male name.  I'm a female living alone. The bizarre thing is that my maiden name is the same as the (very common) last name of the person she was looking for.  When I told her she had the wrong number, she didn't believe me. Actually said that it was "obvious" because of my last name being the same as his (even though I'm listed by my former married name, which is NOT the same as the person she was looking for).  How she got that information is highly suspicious, especially since I live alone and my listed name would NOT be the one she is looking for.  When I reiterated that I was not that person, she yelled "LADY, PUT HIM ON THE PHONE!".  I told her that's impossible since I don't know him, and I've had this number for years.  She called me a B*tch and while I was hanging up, I heard her say "I'm dialing you back Lady".  I heard beeps, hung up, and she called right back, although I didn't answer.

888-226-1843

40 Report Long ago Unknown
I have filed out an online report form with the U.S. Federal Trade Commision at: http://www.ftc.gov/ftc/contact.shtmI figure our tax dollars and can resolve violations of federal regulations.

888-226-1843

40 Report Long ago Unknown
Anyone who receives harrassing phone calls from either telemarketers or collection agencies should report them to the Federal Trade Commission.  Trust me once you file a report with the FTA, you'll never hear from these idiots again.  The FTC does not condone this kind harrassment to the community, they always get their job done.

888-226-1843

40 Report Long ago Unknown
DIdn't get to phone in time.  Called back the number.  A young man answered saying the Northland Group.  I told them I just received a call and they new what number I was calling from and was looking for a person that must of had my number before me.  He was very polite though, and appoligized. I have had this number for at least 2 years.

888-226-1843

40 Report Long ago Unknown
i agree!  VERY RUDE PEOPLE!  they called looking for my brother and i was being very polite and just finding out who it was so that i could tell my brother who was on the phone...the guy went off on me.  wish these people were able to put out of jobs permanantly.

888-226-1843

40 Report Long ago Unknown
That is correct this is some collection number.They are very rude and would not provide me any information about why they are calling.

888-226-1843

40 Report Long ago Unknown
Received a few calls from this #. They left a message asking to call back but would not tell the reason for the call, or whom this message is for. Did some googling and found the name of the company behind the number in question. It's Northland Group - a collection agency. We just got a new number, they must be colling looking for someone else.

816-510-2992

20 Report Long ago Unknown
jen said to send you this and I tried to call it to see who it was it's definately verizon phone because we only get unlimited with verizon to verizon so, whatever that might mean to help

816-510-2992

20 Report Long ago Unknown
I got exactly the same message as "Tyler from Cali", but it was sent from the phone  (816) 510 1539

816-510-2992

20 Report Long ago Unknown
8165101539 lisa said to send this to you htt://tinyurl.coma68k3ht

816-510-2992

20 Report Long ago Unknown
I got this one too.

816-510-2992

20 Report Long ago Unknown
Sms containing:Lisa said to send this to you  http://tinyurl.com/a68k3ht

816-510-2992

20 Report Long ago Unknown
rec'd this text "Mark said to send this to you"  -  http/bit.ly/12491A6 it's obviously boogus

816-510-2992

20 Report Long ago Unknown
I got the same one saying the Jen wanted them to send this to me and was link. How the hell are these people getting our numbers and sending us scams and not getting in trouble. This is the 3rd number that has tried something like this. One of them wanted my email adress

816-510-2992

20 Report Long ago Unknown
I got the same one saying the Jen wanted them to send this to me and was link. How the hell are these people getting our numbers and sending us scams and not getting in trouble. This is the 3rd number that has tried something like this. One of them wanted my email adress

816-510-2992

20 Report Long ago Unknown
I got the same text from same phone# w/ same info: Jen said to send this to you  http://bit.ly/R1khmD

816-510-2992

20 Report Long ago Unknown
text message:Jen said to send this to you  http://bit.ly/SPu65lDec 11, 8:50 pm

816-510-2992

20 Report Long ago Unknown
Jen wanted me to send you this.

816-510-2992

20 Report Long ago Unknown
No public disclosures, don't count on me following him out like a dog, and you got one chance. That's it. Impale me again for any reason and you can keep calling until you're blue in the face. I really don't care.

816-510-2992

20 Report Long ago Unknown
a fraud

816-510-2992

20 Report Long ago Unknown
Yea i got a call from this number 214-490-5658 from michelle. They changed the number watch for a scam.

816-510-2992

20 Report Long ago Unknown
LOL! ... We all got calls around the same time but mine was Jennifer not Michelle

816-510-2992

20 Report Long ago Unknown
This number sent me a text sending me to a link that was "winner of 2 tickets for Southwest Airlines".  It is a scam.

816-510-2992

20 Report Long ago Unknown
Yeah, mine said "Shannon tried to send this to you"

816-510-2992

20 Report Long ago Unknown
Yeah that is what mine said too.

816-510-2992

20 Report Long ago Unknown
Yeah same here except mine said "Michelle said to send you this, http://bit.ly/TRp7A6

816-510-2992

20 Report Long ago Unknown
Text message said, "Michelle said to send this to you http://bit.ly/YL5y3s

786-345-1037

15 Report Long ago Unknown
Out no where it started last wk. I started get a call from a guy claiming he is officer frank martin but from another # 205-287-6895.. He very persist and has got my cell, and work # and know my last for of my social some how.. I don't know how to call and file a complaint against him.

786-345-1037

15 Report Long ago Unknown
Just also got a call tonight stating in a voicemail that I need to call this number back ASAP due to serious legal matters. Called number back, and someone asked for my name (just the first name tho haha, I must be the only Kyle out there) I told them my name and they put me on hold for about 2 minutes. A guy named Daniel White came on saying he worked for Frank Martin and I have a payday loan that has incurred fee's of $210 dollars and needs to be paid immediately or he will take me to court. I said do it, cause I dont recall any payday loan. He then said he will be sending me papers in the mail and should receive them in 48 hours for the court date. He knew everything about me including ss#, work address, bank account and routing # and much more! Called Missouri Information Analysis Center at 866-362-6422 and they said to change bank account #, but overall they will not do anything. Its just a scam, no worries!

786-345-1037

15 Report Long ago Unknown
i got a call from this # 786-345-1037. some man claiming to be an officer says that i got a loan that never happened.  he wanted me to fax him my account info.  i told him no and not to call me again.  this person know to much personal info.

786-345-1037

15 Report Long ago Unknown
Just got the same call from Officer Frank Matin saying the same exact thing!

786-345-1037

15 Report Long ago Unknown
I have recieved a call from an Officer Frank Martin who left a message stateing I MUST CALL HIM BACK ASAP. He has my address, job information, s.s.# ..informing me that this is a legal matter and warning me before any serious or physical damages can occur at my home or job address I must call him back. I have called this number back and as soon as it picks up it says Thank you and hangs up. Officer Frank Martin finishes his message with good luck to me.

786-345-1037

15 Report Long ago Unknown
U.S. American law frim. She told  a friend of my for me to call her and that,I was in trouble for a loan, and I need to call her back at this  number 786-345-1037 .

786-345-1037

15 Report Long ago Unknown
So I get a call for 7863451037 man posing as an officer daniel white....my husband has his badge number, we are going to be reporting them to all agencys....he said we owed $470 to them for an old payday loan.....dont believe them   they say they represent e.m.e llc, if you look it up under google it is a fraud.

786-345-1037

15 Report Long ago Unknown
I was the friend "another contacted" was speaking of. I can't seem to get rid of these people! The number --it's different than those listed is : 786-345-1037. Again a heavily accented man, that claimed to be with the Miami Florida State Headquarters. This bogus and only a scam!!

786-345-1037

15 Report Long ago Unknown
just got a call from this number as well, and the heavily accented man claimed to be an Officer with the "Miami Florida State Headquarters", called the police department in Miami florida and they have no record of the name the man gave me. Then checked out the phone number and ended up here. My friend who he was calling in reference to called me last night and told me what she had been dealing with from these people, they have been threatening her with a court case the next day, and to have "her friends arrested" unless she settled with them, by making a hefty Visa or Mastercard payment to them for a supposed loan they claim she took out, but which she never received. Another payday loan scam it seems. Watch out all and don't give any information. Ask for very specific information from them that can be verified.

786-345-1037

15 Report Long ago Unknown
For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:United Legal Processing DivisionMidline MarketingCrime Monitoring ServicesMonetary Crime DivisionU.S. National Bank Attorney General’s Office (usually in California)American Legal ServicesAffidavit Consolidation Services (ACS)You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  Who are they? In the past when pressed by law enforcement for an address, the callers have provided the following information:David Morgan and AssociatesMorgan & AssociatesMorgan Associates954-727-8481 1155 Northwest 85th Street Wintergarden, Florida  33150 (Address is likely invalid)The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htmhttp://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdfThey have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.   The last time this group went by any "official" name was back in 2008:Ellis Crosby & Associates / Douglas & Morgan Associates4494 Southside Boulevard Suite #200Jacksonville Florida 32216Phone:  800-928-3536 / (904) 928-3536(Address is likely invalid)There are NUMEROUS consumer alerts out against this group of individuals:Florida:http://jacksonville.com/tu-online/stories/061107/met_176207561.shtmlKansas:  http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.htmlColorado:  http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_origRhode Island:  http://www.collectionscreditrisk.com/news/rho ... -3002135-1.htmlWest Virginia:http://www.wvago.gov/internetloanscam.cfmMissouri:On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  "..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."Bottom line:Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  If you ever applied for a cash advance online, your information is out there.   Possible sources for the breach of your privacy are:* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time. * The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  * The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.   How to protect yourself:* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  * Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard. * Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.1-201-244-77221-209-349-73821-209-797-22121-212-500-08391-213-256-04081-213-995-30391-281-763-04331-347-289-39021-347-844-68171-347-844-68311-424-354-42701-516-232-89051-516-232-89351-518-212-02191-561-300-80181-561-210-41851-626-200-46461-631-456-40411-646-274-11431-646-810-86351-650-241-46041-707-401-40561-707-633-27891-708-401-05351-716-442-28241-717-862-40801-718-705-86691-760-514-01321-760-563-53841-772-318-49381-850-201-11111-858-777-19771-859-908-22811-866-860-45091-877-226-74881-888-706-74631-888-771-92491-888-785-44791-909-327-4870So can they really do anything to you?It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  So, why haven't they?  Authorization.  Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  Bottom line:If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.http://800notes.com/Phone.aspx/1-646-274-1143/3

786-345-1037

15 Report Long ago Unknown
Yes they did it through Face Book they can get your number and email some of them even request to be your friend under bogus faces.. if you do not know them don't add them.

786-345-1037

15 Report Long ago Unknown
I received a call from them asking for a 'legal reference' for a friend (who they named).  I don't know how they made the connection between my friend and I - maybe Facebook or our email contact lists?  She is very upset about this and is reporting it to the FTC and FBI.

786-345-1037

15 Report Long ago Unknown
i got call from same number. the person was with heavy accent hardly know the English.i talked to my lawyer and came to know that they are scam. they are calling from india. i have reported a complaint in FBI against them

786-345-1037

15 Report Long ago Unknown
Just received the same message telling me he (Frank Martin) is a Police Officer.  Same number as everyone else has been posting.  Picked on the wrong person.........because I am law-enforcement here in Michigan.

786-345-1037

15 Report Long ago Unknown
who is this

888-226-1843

40 Report Long ago Unknown
I just do not pick up calls from numbers that I do not know. Eventually they will take me/you out of the robo dialer.

888-226-1843

40 Report Long ago Unknown
Started calling again, but no message on machine.  SCUMBAG COLLECTION AGENCY that buys up old debts for pennies on the dollar and tries to collect. They’re looking for someone with the same last name as mine that doesn’t live here. They appear to collect any & all phone numbers that MAY BE related to the person they are trying to collect from and hound the hell out of everyone of them. These a***oles and many others have been calling me on and off for at least six years. When one gives up another one starts. Here is information I have garnered on this one from various internet searches:Northland Group (or LVNV Funding)7831 Glenroy Road, Suite 250, Edina, MN 55439P.O.Box 390846,  Minneapolis, MN 55439877-321-3549, (888-226-1843 on caller ID), 800-800-8191, also Denovus Corp.480 Johnson Rd  Suite 110,  Washington, PA 15301866-520-9192

888-226-1843

40 Report Long ago Unknown
Receiving calls for a "Susan" who is in debt. Must be a collection agency. No such person here.

888-226-1843

40 Report Long ago Unknown
This phone number constantly is recorded in my "caller i.d." machine. Never has a message been left in my "message recorder."

888-226-1843

40 Report Long ago Unknown
I dont know them i dont want to know them and they call all day long iam sick of them They  wont tell me y they are callin they ask me WHO ARE YOU i will not tell them and they tell me they will call here until i thell them who iam

888-226-1843

40 Report Long ago Unknown
This Northland group is horrible. Very rude; the Better Business Bureau should close them down!

888-226-1843

40 Report Long ago Unknown
lamet-most of your information is correct. However, a person's request for validation is not limited to within the first 30 days after the debt collector first sends their dunning letter stating you have 30 days to respond. If you read the applicable law, it only states that 30 days after the initial letter, the debt collector may consider it valid. Just because the debt collector considers it valid does not make it so. You can request validation at any time that you first become aware of the debt. Unless the debt collector has a signed return receipt confirmation showing you received such contact, no time frame is valid. You might run your credit reports and find debts listed you know nothing about. You can request validation at that point. Or you might not be aware of said debt until you are actually served with a summons and complaint to appear in court. You can request validation during those proceedings. And if you handle your requests in a certain manner, you could even turn the table on the debt collector and sue them for fraudulent credit reporting and/or debt collection practices.An excellent website which has a wealth of information on debt collection and credit reporting in plain english, as well as explaining exactly how to proceed with debt validation is located here:http://www.creditinfocenter.com/rebuild/debt_validation.shtml

888-226-1843

40 Report Long ago Unknown
http://consumerjustice.com/consumer/agencydetail.aspx?id=62507831 Glenroy Rd #350City : EdinaState : MinnesotaZip : 55439 --------------------------------------------------------------------------------Phone No.  800-800-8191- 800-831-4005 800-500-8266 952-831-4005 800-248-3038 866-380-8783 877-321-4053 866-272-3010 866-572-8957 952-835-2273  Fax 952-831-7356     www.northlandgroup.com lblack@northlandgroup.com     Notes Junk debt collectors, bottom feeders collecting on very old, out of statute debts. Make them prove everything, (you may not legally owe them.)   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.htmlStatute of Limitations by State – always double check YOUR OWN STATE Government Website http://www.budhibbs.com/statute_of_limitations.htmRecording calls from Debt Collectors - always double check YOUR OWN STATE Government Websitehttp://www.budhibbs.com/record.htmFrom Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT Debt Collection FAQs: A Guide for ConsumersIf 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 InformationTo 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

888-226-1843

40 Report Long ago Unknown
VEry rude- asked for my mother, who has dementia, they wanted me to fax a copy of POA without telling me why the call or who they were.  I'm not about to do that!!  Also, we don't owe anyone anything!!  They said the calls would continue!!

888-226-1843

40 Report Long ago Unknown
I've asked them several times to stop calling.I'm on the do not call list.I've reported them to the do not call list registry before.They still call me.I want their names, addresses, and phone numbers so I can sue them.

888-226-1843

40 Report Long ago Unknown
want to know it this was first name   last name....  I called them back and said that there were a number of people with my name through out my state and to not call me  ......

888-226-1843

40 Report Long ago Unknown
Nat'l no call list,...you believe that really works??? It's yet another scam.

888-226-1843

40 Report Long ago Unknown
they keep calling, have no idea who the heck they are, since I am on the national no call list.  They call 2 to 4 times a day

888-226-1843

40 Report Long ago Unknown
Got a call from a woman asking for a male name.  I'm a female living alone. The bizarre thing is that my maiden name is the same as the (very common) last name of the person she was looking for.  When I told her she had the wrong number, she didn't believe me. Actually said that it was "obvious" because of my last name being the same as his (even though I'm listed by my former married name, which is NOT the same as the person she was looking for).  How she got that information is highly suspicious, especially since I live alone and my listed name would NOT be the one she is looking for.  When I reiterated that I was not that person, she yelled "LADY, PUT HIM ON THE PHONE!".  I told her that's impossible since I don't know him, and I've had this number for years.  She called me a B*tch and while I was hanging up, I heard her say "I'm dialing you back Lady".  I heard beeps, hung up, and she called right back, although I didn't answer.

888-226-1843

40 Report Long ago Unknown
I have filed out an online report form with the U.S. Federal Trade Commision at: http://www.ftc.gov/ftc/contact.shtmI figure our tax dollars and can resolve violations of federal regulations.

888-226-1843

40 Report Long ago Unknown
Anyone who receives harrassing phone calls from either telemarketers or collection agencies should report them to the Federal Trade Commission.  Trust me once you file a report with the FTA, you'll never hear from these idiots again.  The FTC does not condone this kind harrassment to the community, they always get their job done.

888-226-1843

40 Report Long ago Unknown
DIdn't get to phone in time.  Called back the number.  A young man answered saying the Northland Group.  I told them I just received a call and they new what number I was calling from and was looking for a person that must of had my number before me.  He was very polite though, and appoligized. I have had this number for at least 2 years.

888-226-1843

40 Report Long ago Unknown
i agree!  VERY RUDE PEOPLE!  they called looking for my brother and i was being very polite and just finding out who it was so that i could tell my brother who was on the phone...the guy went off on me.  wish these people were able to put out of jobs permanantly.

888-226-1843

40 Report Long ago Unknown
That is correct this is some collection number.They are very rude and would not provide me any information about why they are calling.

888-226-1843

40 Report Long ago Unknown
Received a few calls from this #. They left a message asking to call back but would not tell the reason for the call, or whom this message is for. Did some googling and found the name of the company behind the number in question. It's Northland Group - a collection agency. We just got a new number, they must be colling looking for someone else.

530-538-3262

1 Report Long ago Unknown
ignored it

619-258-1527

13 Report Long ago Unknown
All those threats from BILL STEVENS and as soon as I made the complaints to the proper authorities - ABSOLUTLEY no more calls and nothing has ever happened.  What a joke!

619-258-1527

13 Report Long ago Unknown
you need to file a complaint with the Federal Trade Commission.  I also filed complaints with the Texas(my state) and the California (his supposed state) Attorney General and also the Federal Bureau of Investigations.  The more people that do this will begin raising red flags per my telephone conversation with the FTC.

619-258-1527

13 Report Long ago Unknown
Bill Stevens supposed legal agent for Barrett and Associates called and left messages on my office phone as well as my cell phone saying I owe a debt but not saying to whom or how much.  He said he was giving me the choice of being served at my job or at home and talking about embarrassing me at my job.  I have absolutely no idea what he is talking about and refuse to play his games.

619-258-1527

13 Report Long ago Unknown
what a freaking scammer.  swore up and down that I had 72 hours to call him and make arrangements to pay a debt he won't even provide documentation for.  Almost 2 weeks later he calls back after I have turned him to the Federal Trade Commission and today both the Californial Attorney General, the Texas Attorney General and also the FBI.  Don't these scam artists ever get that they can't call someone smarter than themselves and get away with it.If its a valid debt then provide proof of that debt and don't begin by completely breaking the law yourself.

619-258-1527

13 Report Long ago Unknown
I received a call 1st on my cell phone but didn't have it on me.  I received a call on my work number afterwards (not knowing about the call on my cell phone).  Bill Stevens (Stephens) stated he was a supposed Investigator and was contacting me concerning a returned check.  When I began asking questions is when he became ugly with me.  Suddenly stating that he was trying to keep me from being embarrassed by the Marshalls showing up at my work (really, when did Fed Marshalls begin collecting checks).   He states it was for a payday loan.  However in Texas an internet payday loan (if it was even a real and valid debt - FAST CASH ADVANCE) cannot be collected on as a Returned Check, rather it is nothing more than a bad debt.  These guys have no respect for the FDCPA nor the laws that govern them.  I have reported them to the Federal Trade Commission.  He states he has verified my employment yet all the information he has is either wrong or very limited.  States he is with Barrett & Associates (aka Barrett Asset Management).

619-258-1527

13 Report Long ago Unknown
MOST LIKELY ALL 3

619-258-1527

13 Report Long ago Unknown
A Bill Stevens called my house Wed. afternnoon. He said he was a fraud investigator and was looking for a realtive or associate in my family. He left the investigation number and telephone number where he could be reached. With so many scams around it is hard to say if something is legitate anymore. Why call me and not the person they need to get in touch with? I have read the previous posts and find this man works for a law firm, is a debt collector, and an investigator. Which is he??? If he truly  any of the stated above.

619-258-1527

13 Report Long ago Unknown
He has called relatives of mine that we do not have contact stating we are being investigated for fraud!!BILL STEPHENS IS RUDE We do not owe and if we did he still isn't explaining the debt just threatning phone calls and if I am correct he can not call our jobs. GOOD LUCK BILL STEPHENS IF THIS IS HOW YOU SUPPORT YOUR FAMILY YOU ALL SHOULD HAVE ULCERS FOR THE NEGATIVITY YOU GIVE OUT ALL DAY!!!!!!!! CAN'T IMAGINE YOUR HOME-LIFE

619-258-1527

13 Report Long ago Unknown
I too have received multiple calls from Bill Stevens with the Law Firm of Barrett and Associates on my cell phone as well as at my place of employment in regard to an old debit that is not mine.  I have asked him several times to NOT call my place of employment but he continues to do so.  He's insistent on setting up payment arrangements for a "settlement" amount which is 1/3 of the actual debt......yadda, yadda, yadda.  He has threatened to send "deputies" and "marshalls" to my place of employment to "serve" me.  JERK!!!

619-258-1527

13 Report Long ago Unknown
The caller's name is indeed Bill Stevens and we have had several conversations. I told him that he was the 3rd past creditor to try to collect a debt from me and that I didn't have the money to enter into a third agreement. He has kept in contact with me over the past few months to find out when I WILL have the money to pay off this collector. He has never been really "rude" but I do NOT discount that he has been with others. So yes, this is a bill collector. By the way, make sure you indeed STILL owe this debt. What I have just discovered is that the debt he is calling to collect is not even on my credit report. It MAY have been on it in the past, but as of TODAY, 12/20/10, the creditor he is calling about is not on my report. IF I owe them anything, according to my boss (who happens to be an attorney as well), the statute of limitations may have already passed for them to take me to court. Be careful.

619-258-1527

13 Report Long ago Unknown
Caller who went by the name of Bill Stevens called me threatening to take legal action against me.  Very rude, and even told me to shut up.  Never told me where he was calling from.  These tpye of collectors need to be reported.

619-258-1527

13 Report Long ago Unknown
Call my phone and got smart with me about one of my relative.  Made it sound like they was investigating my relative.  If that was the case why did they call his mother.

619-258-1527

13 Report Long ago Unknown
Made it sound like a law firm who were trying to contact a relative of mine I haven't spoken to in years.  Called my home number and my private cell with id being blocked on both calls.  Left voicemail saying they were from Barrett and Associates.  It's too bad their calling me now because if the person who gave my relative credit called before they did give her credit, I would have gladly told them then that the person they were giving credit to was a really bad risk.

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