PAYTIME

Why should people just cowboy up and pay bills that arent real or dont belong to the people certain collection agencies are trying to collect?
Would you pay someone elses credit card bill just becuase some collection agent wants a paycheck? Doubt it.

I have not received a letter nor a call. I just noticed on my credit report that I have an upaid balance of $203.00. I have no idea what this is for. How do I get this off of my credit report?

I received 3 calls today from 888-447-4169. Nobody is on the other end when I answer. I found this site through google & have read quite a few posts. I don't have a capital one card & I'm not sure why they are calling... Kinda hard to know why they are calling and who they are looking for when they don't talk to you when they call.

Whats the best way to handle this????

Keeps calling, over one year, looking for Daniel Schlegel, wrong phone number, keep telling me they delete my phone number, keep calling

[Encore Victim]

Encore Manager and Arnel,

If your business is legitimate, please, PLEASE explain to me and all participating members of this forum why your company fails to identify itself in phonecalls, and leaves five messages a WEEK on my phone. I am a completely debt-free individual, and this kind of fraud and harassment is illegal.

Cheerfully awaiting your next foot-in mouth experience,

~debt free, harassed person who has finally decided to buck it up and take this higher.

PS: look out - someone will come for you soon. You're in legal trouble.

[Not so Lucky]

Lookout Encore!! Looks like you have screwed with the wrong person yet again.

[armirondo]

"why your company fails to identify itself in phonecalls, and leaves five messages a WEEK on my phone. I am a completely debt-free individual, and this kind of fraud and harassment is illegal."


- we are only allowed to say were calling from encore if talking to a third party. not encore receivable management. chances are , third party may have an idea that this is debts if we mention the whole company name. we can only disclose information on the debt with the debtor or the spouse - if allowed by state laws.
we can leave messages once per day. we are allowed to call once per day. define once per day - the calls that we actually spoke with someone.

so there. any more questions..?

and you guys are being called bec u have debts. deal with it.

[tgelfuso]

I've had a horrible experience with these people too. I legitimitly owe a balance on a credit card, but I went through divorce and near bankruptcy. I was unable to pay. Of course the card went to Encore. I repeatdly told them I had an attorney working on my affairs, gave them her number etc. My intention remains to work a settlement and pay this debt. No dice, still a recorded call everyday from "Bill Maurice" and to call ASAP. This past Wednesday, fed up, I called back and was lucky enough (sarcasm) to get "Cameron", whom I had told before to deal with my lawyer. I told him yet again I would not directly deal with Encore, he reluctantly agreed to call her, but not without a parting insult before hanging up in my face. When he and my lawyer finally spoke, he claimed he spoke to me many times, and everytime I swore a blue streak at him. More lies.

Encore, just wait, there will be yet someone else going after you. Laugh if you want, but you'll get yours. And soon

[jedijeff13]

Actually armirondo, you never really answered a couple, though I will say they weren't phrased as a question, so it's understandable. Let me ask them:

When you call a collector and they say you have the wrong number or person, can they request that you stop calling? Now, I understand some people my lie cuz they really are the person (some debtors can be just as wrong as some debt collectors). So, what can a person that is truly NOT the person you are contacting do to stop the phone calls to their number?

[armirondo]

just tell that it's a wrong number and the collector will take the number off the list. of course there are notes on the account file, we have to document what happens with every call. and debtors usually lie that its a wrong number, logic and analytical thinking is all it takes to know that IT IS the right number.

if some one calls you up and goes you need to give me money who has to show proof

[Not so Lucky]

Within 5 days of intital contact, the collection agency has to send a letter. You can send them a debt validation letter, certified mail with return receipt to make them validate. Word to the wise, they will not validate! They will call you several times a day and harass, threaten thinking that the person they are contacting will just pay and they won't have to provide proof.

ive been contacted by a man named jason claiming to be from encore a third party agency. I have recently had identity fraud that im sorting out and jason wont tell me what he is calling for unless i give him information. so i hang up n him. is encore a legitimate agency or a for profit consolidation group?
does anyone know?

[Not so Lucky]

THey are a collection company that violates the FDCPA. They will harass several times a day by phone and does not validate any type of debt. They are ruthless!

Encore is actually a third party collections agency who collects debts for GE MoneyBank. Be it credit cards, loans etc. It handles accts that are 90 days behind. Now why dont you people just cooperate and pay your bills..?

c'mon okay dont deal with the phone calls. dont pay encore. dont pay your bills. let's see what happens to your credit report once you account reaches day 207.

CHARGE OFF - bad debt for the next 7 to 10 years in your name in the credit report.