here is a script you can use for collections

Duplicate Content removed as per forums rules - Mike

fair-debt-collection.com/Disputing_Collections/collector-call-script.html

Got a call from Total Card Recovery, stating they are a third party collection for Plains Commerce from a VISA credit card debt in 2001 and that was just turned over to them in 2005 Does any one have any information about them? When I mentioned that this might be a SOL issue - she came back with some remark - and she claimed she knows the law!
Any information greatly appreciated.

Called again to get a mailing address instead of a PO Box for them. This time got a little more information from them. The gentleman, Roger, told me that the account was opened in Dec 3, 2001, then charged off on March 31,2003 and given to them in August 2005. They tell me they could not give me any kind of an account number and after cheking with his manager gave me a mailing address to send CMRRR. Told him that is was the first time that someone contacted me by phone and have recieved nothing by mail. Have not paid anything to them did not know about this account until today. This person was not able to give me much more information then he did and I did ask the questions.

Got a letter from these people for a debt owed to MCI from 1997 - who are these people?? What should I do?
Over SOL?? live in NJ.

Can any one give me the 411 on these people??

Depending upon the state laws and the date of last activity, I think it is past the SOL period. Did you make any payment in the recent times? This can bring the account within the SOL timeframe. Check the last payment done and the statutes in your state. Once you are confirmed about the expiry of the statutes, send a notification to the company and they need to stop further collections.

No this is the first time ever getting anything from them or anyone else. No payments have ever been made to them or MCI.

Do you have any information on Total Card Recovery, Total Card Solution or Total Recovery - they are all they same company I think out of Sioux Falls, SD.
Again first I am hearing about a credit card opened in 2001 no payments made to them. Another that could be SOL case??

Thanks for you help/information have recieved an education from your site.

This confirms that the debt is out of the SOL period and you are not required to make any payment. It doesn't mean that the company cannot take actions against you. They can try for it but won't get anything since you have the legal cover. Don't make any payment otherwise the SOL will be renewed and you will come under legal collections once again.

As per the FCRA laws, the negative information will be removed from your file after a period of seven years from the date of first delinquency. You probably wait for another year before this account goes off from your file.

they called me about collecting on a payday loan and is to me back tomorrow.
Do you know of a collection agency in Jacksonville,florida with this number I asked them for a email number and they said they did not have one. when I called the number back I got a answer that said I had the operater and to leave a message but did not say the name of the company.

Send them a letter requesting validation of debt CMRRR.

In todays mail I recieved a letter on Plains Commerce Bank lettethead stating the my account is being services by Total Recovery Services, the account was charges off 3/31/2003, as of today the balance is $528.84. They enclosed a copy of application default update screen with my information on it name,ssn, etc. and a copy of a check payment entry showing last payment made on 2/28/02 and nothing since, it shows the name of the bank, BUT the location of were the account was opened in not correct, it shows account routing number and acct number of my checking. This is the only information set by mail. I had asked for other information, proof they are legal to collect in my state, proof of a few other things in the letter and they have not been proven as yet. They told me over the phone the account was opened 12/03/2001.
What do I do in this case? What is the next step I should take?

Has anyone ever heard of United Federal Law Dept?

GCS 719-546-6356 has been calling me. it's a fake company. when you call them they ask you to press 1 to leave your message but it's not an automated system just a voice message telling you so. if you press 2, you are asked to call another number for live tech support. that live number is someone's residential number who has no clue about the company.

report it to your local authorities if you're in Pueblo, Colorado.

They claim to be Global Call Center Solutions.

hate this companies!

Got a call from 573-268-0501 unavailable on caller ID
left message this is a business matter, etc., etc.
you need to call this person Kim at 800-478-6103 to resolve this matter...

Does anyone know who they are??

I am getting threatening calls from First Credit. They called out of the blue saying I owe money from an account I paid and closed 5 years ago. Is this possible? It was paid and closed by the company. Who is the credit company and why do they just call like this?

Be careful of them. They are now operating under the name of First Credit after being closed down under another. AG of Il has them under her watchful eye- report them to her office. They do not follow the law
DO NOT SEND THEM ANY MONEY MAKE THEM VALIDATE FIRST

Does anyone have information on this company?
phone 954-753-6043 came up on caller id no message left

This is what I found when did a search on the number. I wonder if it is a job offering proposal.