Did you send them in writing that you refuse to telephonic conversations? Hope they won't appreciate violating the fdcpa laws.

I've dealt with these ACS Tony Soprano wannabes. Tried to work out payment with Citibank when I was out of work, but Citibank told me they weren't interested and sent me to ACS. They were astoundingly dumb, mostly uneducated foul-mouths, and ignored settlement offers and offers to set up payment plans. Wound up paying every other debt I had at the time in full within a few months of my troubles and telling the ACS jokers to stuff it. Guess what, disappeared anyways off my credit report within 18 months and caused minimal long-term damage.

They make the threats and harass you because if your debt is small (like mine was), they don't have the profit margin to justify suing. So, they hire a bunch of greasy junior high dropouts in New Jersey to try to intimidate you.

Whether a debt is legitimate or not, if you get contacted by these grade-A morons, strongly consider telling them to go to heck.

My father, my grandfather and myself all have the same name. We all have a credit file from the same address and home phone number. My credit is good i pay my bills. My grandfathers is great he pays his bills. My problem is my looser father who sometimes works for me. (Hasn't for about 6 month)went charged up stuff and has failed to pay.They have been calling me for a year or so on my cell phone and the business phone. I have told them they need to seek the actual person who owes the debt I have given them numbers and everything. They still calll me Maybe because they think I may do something about it. I dont care what happens to the guy. But How can I get them to stop calling me. I sent them a fax and they called me back 3x within an hour......

Cat,

Contact the collection agency and describe the actual case. Mention your full name, something unique must be there, I guess. Try to attract their attention towards your DOB.

Also keep on watching your credit report frequently. If they report these charge off accounts in your name, it might hurt your score and you have to dispute it immediately.

Gumby108, what you wrote helps a lot & it's defenitely something to think about and possibly act on. Many thanks. This board is a huge releif. After a horrible call yesterday I wanted to file a complaint with the police dept. in L.A. Today the same person calls as if nothing had happened and makes the same request. This time w/o the threats.

This is the rudest group of people! This is not my debt (it's my daughters) and she has been gone from my home for more than 5 yrs. Now these people are threating to serve me @ work. I've told them not to phone me that this is where I work and it's not my bill or responsibility.

Vikki,

Are you the co-signer of your daughter's account? collection agencies can contact co-signers to collect the due amount. They are also allowed to call debtor's relatives to confirm the contact details of the debtor.

You can refer the agency to your daughter's present address, so that they can get in touch with the right person.

Vikki

Explaining the situation that they are contacting the wrong person, you can send them a cease and desist letter. They are legally forced to stop all collection efforts. Send your letter through certified mail with return receipt requested. It will serve as a valid proof and you can take actions if they don't abide by it.

I am trying to research to see if this is even a legitimate company. They called me up out of the blue about a week and a half ago. The first person I talked to was actually pleasant to deal with. However, I got a message later the same day from another person that was very rude sounding. I had already agreed to get back with the first person in a couple of days, but after recieving the second call on the same day I have just been ignoring them. I will not answer or return any of their calls until I can verify that this is a legitimate company.

What do these people do and why are they calling me?? They call my cell phone multiple times a day while i'm at work and sometimes block their number. I assume they are a collection agency but I don't owe any money!! I'm 19 and don't even have any credit yet!! I don't see what I could owe them...I've never even heard of them!! Is this going to screw up my credit??

I have been receiving calls by them sometime in Sept. 05. Some a__hole named Paul Roberts gets on and immediately says "This is Paul Roberts, call me back at 1800-220-0605 ext. 4671!" and then hangs up. He doesn't even state the name of the company or what he wants. I looked up the number and found this website with all the comments. THANK YOU whoever started this for doing so. Now I know they are a scam, I will not even bother calling them.

I agree with Robert, if they call, don't even bother calling back. It takes no effort to delete their stupid messages.

1-800-220-0605. 1-800-220-0605.1-800-220-0605. Academy collection academy collection academy colection academy collection acs acs acs acs 18002200605 18002200605 18002200605

Ruthless immoral company who call family members of people with sketchy credit and demand payment. The claim there is a debt that needs to be paid when there is none.

I have been recieving phone calls from this company now for about a week, evertime i answer they hang up...any advice???

Nascarjun, send them a cease and desist letter. They need to stop calling you after receiving your letter. They won't like to put themselves under legal actions for violating the fdcpa law.

I keep getting harrassing phone calls 1800-220-0605 from this company asking for someone I have never heard of. I have told them they have the wrong number but they continue to call. Is there some legal action I can take?

Hi Gail,

We suggest that you send a cease and desist letter to stop contacting you as they are violating the fdcpa laws. It's not wrong to contact a person for the first time, but after informing that they are contacting the wrong person, you should definitely take some actions.

After receiving your letter through certified mail with return receipt requested, they are not supposed to call you up again. If it's done, you can hire an attorney and sue them for the FDCPA violations.

Regards
Roxette