[cajunbulldog]

All this lovely banter is quite entertaining,but let's try to keep the profanity to a minimum as that is a no no on this forum. :mrgreen: Oh by the way,I'm back in the saddle.

I recieved a letter fromn asg claiming that I owed them over $400. But no where in the letter did it state who the original creditor for the debt was. When I asked them why this information was left out of the letter, I was told it was because this letter was just to validate the debt, not to collect. But the first line of the letter says to enclose my payment in full in the envelope provided. So once they told me where the debt was from I said that yes I was responsible, and I would be more than willing to agree to the payment arangement they wanted to establish. But when I told him I needed until next pay day to have the first payment, he told me that if I didn't give a payment within 24 hours they would start garnishing my wages. They also asked if I recieved welfare, SSI,and food stamps. And told me to call everyone I knew to borrow money to pay this. They were extremely rude and talked over me through the entire conversation. I couldn't even answer the questions he asked me before he would intrupt. I was yelled at, called names and hung up on 2x. When my husband called them back and asked for the manager they argued with him, yelled and hung up on him also. When I called back later, the "manager" picked up the phone and addressed me as Jason Miller, whom I've never known.He continued to address me as this jason Millers wife, even giving me that last 4 digits of her social security number trying to get me to verify that I was her. Then he couldn't even get my name correct. He continued to over talk me, no matter what I was saying. And when I told him that I needed a week or so to make my 1st payment, he said that he took that to mean I was refusing to pay. He then informed me that he would put that notation on my account as a refusal to pay and hung up on me. I was also told that if I didn't pay them they would continue to harass me over the phone. And he himself used the word harass. They also knew, without me telling them, that I had children. And were questioning me about them. And all 3 times that I called them they answered the phone, "HI, HELLO, and YEAH", they didn't say the company name or their name until I gave them my name and account #. VERY UNPROFESSIONAL, especially when the letter they sent says "A PROFESSIONAL DEBT RECOVERY AGENCY".

[cajunbulldog]

Garrison,please send them this letter to validate and protect your federal rights:
http://www.debtconsolidationcare.com.../about216.html
Send it certified return receipt.Please review this website so you know what they can and cannot do:
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809

If they are not going to follow the rules,record in your state if legal.Then pick your attorney and sue them for evey cent you can.

Life is unpredictable. There is always two sides to every story. Not all who have problems with debt collectors are irresponsible and uncaring of their debt. Most individuals, like many in our state, have lost their jobs and are competing with thousand to make any income they can to just pay their for their home and utilities. So to you who says,"Go get some education. And also.... PAY YOUR BILLS, and you won't have this problem" take your own advice and get some education. It's closed minded people such as your self that makes the world harder to live in!

[cajunbulldog]

OOPSIE,guest did not follow rules and post went "poof".

Hello, I was researching on trying to find out who these slimeballs of ASG are, by using google I came in your page and was reading the comments posted here. Actually, the problems started when I notice a weird incomplete number that showed on the called ID for the past several months when I was not home. One day the phone ran when I was home and that weird incomplete number showed again and that's when I picked up and a man identify himself from a collection company has asked for my name and I said how may I help u. He says that my actual phone number had a balance of 4000 dollars from a long distance company dating back more than ten years. I said you have to got to be kidding right, are you for real. I told this guy that how come I never receive a notice in the mail in all these years that I had owed this money, he said that this account was turn over to them months ago. Yea right plain all bullshit, I don't owed anyone anything and I never used the long distance company he just mentioned not only that, I never had a phone number in my name more than ten years ago or any phone number period. Not knowing who this guy was I told him to show me proof by sending a fax at the actual phone number he had just dialed to reach me immediately. All that I had to do is connect my fax machine. He said ok it would be in a couple of hours. Guess what I did not receive anything. To my knowledge I do not owed or have gotten behing in payments and never used the company he mentioned before.If there was suspicious activity with my accounts I would had been on top of it immediately but I never received anything. I am the type on of guy who those not fall behind in any type of payments. After hanging the phone I was suspicious of probably been a victim of ID theft maybe someone stole my ID to open a phone account. I decided to order copies from all the credit report companies. After reviewing the reports my credit is excellent with no deliquent account from anybody. Also I had bills that date back more than ten years ago with a different number we used to have on my mother's name and it was until 6 years ago we witch to this new number that they are claiming that money is owed. Then I knew I was about to be scammed. Since I never received the fax, the kept calling from once to two times a week, until one day I was home, picked up the phone and it was those loosers with the same enchilada again, that's when they identify themselves as ASG. I started to fume and raise my voice and told I that I do not owed anybody, that we never had this phone number more than ten years ago, that how ridiculous are they by tryng to collect money from something that is so old. They guy I spoke with said to send a letter stating that I do not owed this money to have this account closed. I am not sending crap shit that's probably one way to gather more info about me. before I cursed at them I told that this better be the last time they called this phone number again period. Hang up the phone at those creepy people. I think they did called yesterday again by looking at my caller ID after I told them not to call again. I am thinking at taking actions against these fools. I may to file a police scam report, probably sue their **** in federal court for harassment and other charges.

****Adult term removed - Jason

[Anthony Lemons]

Do not pay them a dime. First of all, every state has a cap placed on how much a consumer must pay. Second, who would give money to a stranger, especially one who calls and threatens you? Send them a letter of validation, which puts the power with you, and they will either drop the debt, because they are acting illegally, or they will make real, legal calculations to your debt, making it possible and realistic to pay. Never allow collectors to scare you with threats of arrest or accusations of wire fraud and such, it is illegal to use those tactics to collect on a debt.

Can this account solutions group call and leave on answering machine 'this call is for----. if you are not-----, do not listen to this message. In listening to this message you are acknowledging that you are-----. This is ACG, we are attempting to collect a debt that you owe, any and all info we get on this debt will be added into our records. Call us today with ref.#-----'. Can they do this? They call at least 6 times a day, sometimes not leaving a message, sometimes when I answer there is no one there, and other times they leave a message like this one. Any advise???

[Debt Padawan]

No, they cannot leave messages like that. The fdcpa says that collectors are not permitted to disclose collection information to anyone other than the debtor and the debtor's spouse. Since the collector, in this case, has (apparently) not confirmed that the answering machine is used only by the debtor and/or the debtor's spouse, leaving that type of message is a violation of the FDCPA.

[Anthony Lemons]

This ia an illegal message, since it gives information which anyone can listen to. Please save the message if you have not done so already. You may contact Account Solutions, and make a deal...wink wink.

[Law Student]

Anthony Lemons is right. You have all the evidence you need caught right on tape.

Thanks! But what can actually happen to them for this type of thing? And if they are worried about it being illegal to do this, why do they do this??????

[Debt Padawan]

Well, that's the thing. Many collectors are not worried about it being illegal. They do it because they're counting on debtors not knowing their rights and being intimidated into paying.

[Anthony Lemons]

That is correct. They feel most consumers do not know their rights, and they are correct in that assumption. But more and more people are becoming informed, and this illegal practice will one day cease to exist.

Actually, collectors CAN now leave that message. Some debtor actually sued the NCO Group because he thought it was "inconvenient" that he had to call NCO back to find out what the message was about. He won his case and subsequently collection agencies are now forced to leave that message.

[cajunbulldog]

This message is not legal because if the person they are looking for is not there or there is a question on the phone number,it is third party disclosure.Listed below is a sample of a legal message:
Hello,I am xxx,here is my phone number,please call me back concerning a business matter,and hang up.