what is encore? and why are they calling me?

[keystrokes]

Encore is a collection agency. Do you have a past debt and the file is now with them? Call Encore for specific information. You may need to send a debt validation letter in order to get the details of the debt before making a payment. Be sure that you send your money to the right company and they are authorized for this collection. If they have your file, money will be posted towards your account after you do a payment.

Has anyone heard of this co./They have left some horrible messages on my phone. Threating me, etc.
Thanks!

I just started getting the same calls, same situation, no one is there when I answer. I called my local phone company and they said that as soon as I hang up, dial *57. You have to do this three times, but then the number will be submitted to the phone company and to the local law enforcement at a harrassing call. I haven't had the opportunity to try it yet, but maybe it will help you too.

We jsut received a report from Experian that they have been reporting an outstanding debt of FIFTY DOLLARS since as early as Sept of 2004. No clue who these guys are but glad to find this old blog

These idiots keep calling me about someone I don't even know and they are driving me crazy!

Instead of looking for ways to skirt the issue and redirect the blame, why don't you just pay your bills. I am so tired of reading these sad little posts from people who borrow money and then can't or more likely won't pay it back. Why don't you just cowboy up and pay your bills.

Paytime, what exactly is your point in posting what you did? Not everyone here is trying to redirect blame or get out of paying bills. Posts like yours really bother me. Your attitude stinks. If you are so tired of these sad little posts, then go away. What brought you to this site in the first place? Why don't you saddle up and ride off into the sunset.

I have started a six month payment plan with this collection agency, I gave them my checking account number and routing number... can they take out more than what we agreed on?

[Not so Lucky]

You should never give a collection agency your checking account number. Always send a money order certified mail with return receipt. Especially when it is Encore.

yo i work for encore and we only take the funds on the dates that we will agree upon with our cardholders.. the company will be in violation of fdcpa law if we do something foolish with your acct. and the reason why the account was transferred to collections is bec it was not being paid for a long time already.

[Roadwarrior]

You work for Encore????????

Doing what,Grammar Management?? Science of syntax??

YIKES!!!!!!!!!!!!!!

blah blah
blah.. you got anything smart to say..?

yo arnel, if you are looking for someone to argue back and forth with GO SOMEWHERE ELSE. This is a very helpful site where people swap information regarding debt. What is your point in coming here? Do YOU have anything smart to say..?

[BEAUTY1217]

i worked for a CA that follows the law to the tee, but when it comes down to post dated checks CA's will give you the run around if you call and say do not send the check, the funds are not avail. They send the check, it is returned and now we have to call and tell the dbtr that we have a worthless check. It sucks because it scares the crap out of the dbtr and the funny thing is that you can not be prosicuted for a post dated check, but a lot of consumers do not know that. Tammy is right and i must agree.

ok ask anything about encore and i'll answer it