Graham Beagle & Associates (877-836-3100)

I've been recently hit by Graham, Beagle & Associates, namely John Benning also. I am so upset with their scare tactics as well as their ethics. Is there anything else anyone can tell me to shed some light on this so-called firm? I'm having real issues with them right now. Thanks!!

First check the statute of limitations of your state. There is no reason to pay a past SOL debt. Also check the status of this account in your credit report. However, if you decide to pay it, offer a payment plan that you can afford.

I'll check in my state. The account they were talking about is over 5 years old! And I truly believe I paid it off back then. I did look at my credit report (all three in fact) and only one of them even has the account listed, and they have the status as "closed". Before I started thinking straight, I actually gave them a check over the phone!! Luckily, I was able to place a stop-payment on it before it went through so I could figure this all out. I'm so glad I did. Again, I'll check with my state and let you know. Thanks so much!!

I have had the same frustration, scare tactics, and harassment from the Cracker and Dog company (Graham, Beagle & Associates). They contacted a family member and told them that they were an investigator, impling that they were with a law enforcement agency, and said that a warrant was going to be issued if I didn't contact them within 1 hour. Well, that is illegal, a violation of the fdcpa. And I am going to take steps to make sure it stops. I am filing a complaint with the FTC, the New York State AG, and my state AG. I will also be retaining counsel, because like the Act states, I have the right to sue them for the violation of the law.

I had dealings with these liars before mr omar smith that lives on weston ave in buffalo new york..... is so clueless he called me from home and tryed to say that he was going to but me in jail, i even see something about them on bud hibbs.com....it said he went to jail for telemarking and got can from giove law office another office in the spot light for faurd..narvell is a wimp, he sit back and let omar run him into the ground because they have to pay the 3000.00 lease.....now thats doing your homework.....

i received a message from Graham,beagle&associates today asking me to call back because i may be a family member of an associate. just state who you are and why you are calling. i have been trying to fing my father and have gone through many different agency's including law offices. if you are a debt collector, have the decency and courage to state that is who you are.

hb

Hi, welcome to the fourms!

Did you ever find out the nature of their call. The nature of the call is suppose to be stated right when the call starts. No personal information is suppose to be asked for, other than the debtor, or another family member willing to say "yes, they're still at that address". Confirming location is the only question they can ask.

Regards-
Mike

everyone is so worried about his license.

where is your license to steal?

Ok, Graham Beagle & associates keep calling MY house looking for my brother-in-law. They want me to call them with information about where he is, which unfortunately, he is a traveling car salesman, so he is usually never is one place more then a week. But I would like to know how they got my phone number, when it is an unlisted phone number. This is really upsetting to me. Why are they calling me for someone in the family?

Jag

Collectors can place the calls to third parties when the debtor is not within their reach. But if you request them to stop calling you, they should honor it. Besides, there are federal laws to cease and desist communication with you. You can send a cease and desist letter to the CA's mailing address. This will force them not to contact you otherwise, it will result violation of the federal laws.

confused sounds sounds just like a hater. As a matter of fact confused can't even spell address. Sounds like a dumb ass that doesn't want to pay his bills. So stop hatin' and pay your damn bills!!!

how do I verify that any collection agency has the right to collect on a specific debt? I was just contacted by Graham Beagle Associates and I am willing to pay the debt but I want to make sure I am not getting scammed! Do I call the credit card company or what?

jenamoustapha2 , go ahead and call the credit card company and prefer working out arrangements with them. If they can work with you, there won't be a need to deal with the CA. in order to make sure whether this CA is practicing legitimate collections, the debt has to be validated in writing first. They should send all the necessary details about your creditors and calculation of the interests in writing. The copies of the contract signed with the original company will determine if they are into legitimate collections. Once you are sure that they are entitled to collect the money, make payment arrangements and get the PIF in writing after the account is paid off.

I have been contacted by these folks (an old debt of my new wife's before we met). I, too, am afraid to pay as I cannot truely identify if they are legit. They are registered in the state of Oregon with the Sec. of State's office as a corporation from New York who can do business in Oregon. They are not registered as a debt collection agency, but the attorney gen's office said that if they purchased the original debt (they own it), they don't have to be registered that way. If they have been "assigned" the debt to collect FOR the original creditor, then they have to be registered as a DCA. They are legal to do business, but she said it doesn't mean they are not fraudulant.

John Benning just called today and requested a 1800 payment on a card that with interest had increased to 10,000. He said if I payed the money it would be settled out of court. He said the last payment was year 2001 on a 1991 card. He sent a fax but no paperwork with the fax after I asked him to send me documents from the credit card agency. I immediately checked my credit report and the charge was not on it. I believe they are indeed frauds.

Guest, the debt is too old now to be reported back in your credit report. If the company does it, it will be violation of the fdcpa.

The company is insisting you to make a small payment so that the expired SOL gets renewed. If this happens, the company will get a chance to report their collections in your CR legally and hurt your ratings. Be careful when you talk with them because they might use a recording device to get your statement. SOL gets renewed even if you make any payment agreement. Send a dispute letter through certified mail notifying the expiry of the SOL.