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s debts with third parties other than the consumer?

s spouse or attorney- A collection agent may contact neighbors or co-workers only to obtain location information- It may contact a third party again if it has reason to believe the information the party provided previously is false-Bills-com FDCPA FAQBelow are questions Bills-com readers ask frequently: Can a Collection Agent Call My Cell Phone?

Trace mobile phone number caller name address details for mobile phone number series 0497295.

The mobile phone tracker has traced 0497295 operator and location.

Thats a little much The number , called both my house phone & cell, but I was in another room and couldn't pick up-Not sure if I should return this call, as I do not know who this is from- I'm in Hawaii, and it looks like the unknown number is calling from Illinois-Can you trace this for me?

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s address, on any envelope when communicating with a consumer by use of the mails or by telegram- A debt collector may use its business name if such name does not indicate it is in the debt collection business-Contact a Consumer at Work A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer-Seek Unjustifiable Amounts A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law-Contact a Consumer Represented by an Attorney A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer-Communicate With a Consumer After Receiving a Validation Request If a consumer sends a written §g response within days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address-Communicate With Third Parties A debt collector may not reveal or discuss the nature of a consumer?

All of you Southern Asian maggot scammers shills need to get out your U-S- law books again and do some reading about American laws concerning "termination without cause" before you use that scare tactic- Creepy little Basturds- (Yes, I deliberately spelled with a "u")caller states they are updating your local on line yellow pages-More scammers- Criminals no longer rob you at gunpoint, they just set up banks of telephones,hire other crooks to call you, and use criminal ach credit processers to steel your moneythis number calls several times daily- if you try to return the call it goes to a message stating youve reached subscription services north, i had to block the number but i still get notification when someone keeps attempting to reach They have the wrong number and leave msgs to call them about someone elses debt, then they say call , right away when I look up that no- it is a company called pallisades Collectons with numerous complaints and supposedly an F rating with the BBB I just want them to quit clg I am not the person they are trying to find Feature Films For Families calls several times a day, every day- First thing in the morning, last thing at night- They never give up, even when you tell them to take you off the list- They just ignore you, and keep pestering you- They change their name to like Brian FFFF or Morkand Mindy FFFF, and use different numbers- I must have a dozen different numbers and names from the same company that I have tried to block- I haven't answered their calls in years, but they still waste their time calling I get this call every once and awhile and all that is on the answer machine is a tone like a fax line- ID says Knoxville TN- Problem is it loads up my answer machine so I now have it on my blocked list I recieved the same call saying they are issuing a warant out for my arrest and that if i dont pay them , dollars then i will be going to jail Um this is a scam and everyone needs to hang up and ignore they're calls Scam One of those phishing calls to get information from you- Do not call back I have perfect credit and watch it very carefully- They said I have a delinquent home loan, I've never owned a home nor taken a home loan That they were in Austin Texas said they are rep-Tenn that they were going to get a warrent for felony and get me for check fraud, Ask me if I had a credit cards or checks and make arrangements to pay them - they said they were with PDS,out Austin Texas I got the same phonec-all from Steve Miller at the number- I called him back- It's the famous musical artist He's planning an "Fly Like an Eagle" tour and wants to call people personally to find out if they will come- Give him a call back and let him know you want him to "Keep on Rocking me baby"This idiot calls all the time from Copperstate Industrial and tries to sell me something them cuses me out if I dont- Then I get a package on my door step of stuff I didnt even order- Guess they have to make their money somehow- Im not paying the bill BTWI stayed on the phone for minutes with him- Said he was a radio show host- Told me he was local radio on Maui- is Hawaii area code, so that fit- Was asking all kinds of strange sexual questions, but sounded like funny stuff for morning type radio on edit- Said he was going to give us a steak dinner at a local restaurant- Gave him my P-O- box for the gift certificate- Would like any more info if anyone has any- Did I just get scammed? Lots of people did and many are saying they were duped into giving away thousands of dollars for exclusive travel bargains that don't exist-The travel vouchers have logos that look like they come from the airlines but don't be fooled- Everyone who gets one of the itineraries is told that if they attend a Utopian travel seminar at a business center in Beaverton, they will get two free airline tickets-However, while there many are persuaded into buying travel club memberships that cost anywhere from , to , with promises of free cruises and exclusive member bargains-Once Larry and Nila Butler got home from Utopian's seminar, they said they realized the promises did not exist and tried to cancel their credit card payment- But by then it was too late, the payment had already gone through and the money was gone-Customers like Ross Villegas paid thousands of dollars for lifelong bargains- But when KATU News logged onto Utopian's Web site using Villegas' customer ID and password (with his permission), we did not see any real deals, like exclusive hotel bargains-In fact, the prices were to more on Utopian's Web site than what we found on free Web sites- And the same was true for airfare, cruises and tropical resort packages- You can find the same or better deals on Web sites like Orbitz, Travelocity, Hotels-com and Priceline-We found the owner of Utopian Travel, Janet Wilson, at the company's Beaverton office and she swore several times she would sit down and give us answers for the customers who felt they were scammed-After we never heard back, we returned to look for her- We were confronted by her son, Bryan, a Utopian salesman who said she was in but still had no time to talk to us despite her promises that she would answer our questions-At one point, we finally did catch Wilson in the doorway and she said she would reimburse anyone who wanted their money back- However, those who bought the expensive packages aren't so sure that will happen- The Butlers received a letter from the company stating they could not obtain a refund and that refunds were not offered simply due to buyer's remorse-Under Oregon law, refunds are supposed to be available within three days of purchase- The Butlers applied for a refund within one day and were still denied-The Attorney General's office in Oregon has received more than complaints against Utopian and is investigating- Meanwhile, Utopian's attorney said owner Janet Wilson will not be answering any of our questions-The company has had problems in other states- The Attorney General offices in Indiana and Wisconsin also investigated complaints against Utopian's vacation travel club and fined them- In Missouri, where Wilson used to work in the vacation travel club's home office, the company received a record - million fine This number is a scam from a Mr-Glass, Pretending to be debt collectors and a mortgage relief company, This message never states its purpose only that they want you to call them back- It is obviously poorly per-recorded- It calls people from a numerous amount of different numbers from all around the U-S, Don't call this back and don't give this guy any info, I have no debt and no mortgage no loans, so why would it be imperative i talk to a number listed under as a debt collection organization,?

This guy if fishing for clients and in a extremely shady way, I also know this is prerecorded because it never says my name in the message It's NCO, a collection agency- They also call using "Out Of Area" or "Unavailable" for the caller id- Ignoring the calls does nothing, they will continue to call you- You're best option is to send them a cease and desist letter telling them to stop calling your number-The letter must be certified with return receipt This company keeps calling my phone and ask every time for my daughter when I tell them to stop calling they just call back- I have asked them to talk to there manager and they say they don't have one:: Craigs List Rental Scan out of Seagraves Texas- Wants you to wire money- Uses legitatmate rental listing guiding as there own- Report it to Seagraves police department - Goes by the name Dashara Peterson I received a call from a woman clling from this number abut lowering my credit card rates- I hung up as soon as I heard the call, perfroemd a star- caller ID, and a call trace- Then curiosity got the better of me, and I called back the number and recieved the recording from a voice which sounded like it was mechcanically created or the voice of a retarded person saying that "This is Bill Sanchez calling for Fred or katy-" I didi not leave a message- I reproted the caller to the FTC- I also reproted the message about Bill Sanchez- My home phone number is on the do not call list , anyway Hi is Christy available, is Christy available, is Christy available- This person at this number is dangerous or something- She is in with a group of others calling for some Christy all over- It's been going for one year, and people tell her know Christy is at their numbers, but she insists Christy, and that they know Christy- The people involved with this harassment campaign are mentally ill, from what I know so far, and they are linked to people who beat up others regularly- Why they aren't in jail is beyond understanding-For a year, every other day I get "Hi, is Christy available" "is Christy available" is "Christy available"-I realized this person was just someone just harassing when I for once called the number back and she doesn't even say hello, but says like a parrot repeating itself "Hi is Christy available"- (?

panel Also read up on the laws and your rights:www-ftc-gov os statutes fdcpajump-shtmwww-consumerfinance-gov askcfpb search ,www-consumer-ftc-gov articles pdf,fair-credit-reporting-act-pdf And see:notes-com forum ta-acdad , www-consumer-ftc-gov articles -fake-debt-collectorswww-deadiversion-usdoj-gov pubs pressreleases extortion_scam-htm Section of the FDCPA www-ftc-gov bcp edu pubs consumer credit cre-pdf requires rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :"§ - Validation of debts(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?

() the amount of the debt;() the name of the creditor to whom the debt is owed;() a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;() a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and() a statement that, upon the consumer?

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