Debtconsolidationcare.com - the USA consumer forum

Forums
  • Latest topic

Calls at work fm Francis Edwards and Assoc

Date: Thu, 12/16/2010 - 13:19

Submitted by anonymous
on Thu, 12/16/2010 - 13:19

Posts: 202330 Credits: [Donate]

Total Replies: 3


I received a call last night from this person, Daniel Ballard from Francis Edwards & Assoc. He was trying to collect a debt and said that an attempt was sent to my employer and asked me if I recieved a call fm HR about it. After my response and questioning if I can resolve this matter without involving my employer, he pretented to call manager and agreed if I give them a payment with my debit card. I was so freeked out that decided to give him my cc information to take the money out of my acct by the end of the month. But he did not show me a legal documentation about this. Could he posibly do a legal hold from my payroll without going thru courthouse? What should I do now if I want to stop them from collecting the money fm my account? He refused to send me documents over the fax until after the payment is completed. He said that he will send a fullfillment document after. I so confussed that I don't know what to do. Could anyone help me?:(:confused:


CALL your BANK NOW!! and close that account. They will wipe out your account. DO NOT ever give anyone banking info without PROOF of debt first. The fact that he threatened to talk to your HR dept is a big sign its a scammer. First they have to sue you BEFORE any garnishment takes place!! Second, you are legally entitled to a debt validation by federal law BEFORE you pay any debts. Anyone can call and say you owe so and so this amount of money, ANYONE! They can NOT talk to your employer or ANYONE about any debts you owe, federal law. When they call back ask for an address to send a DV letter, templates on this site-suit it to your needs and send it CMRRR. If they refuse to give you an address, then hang up-you are being scammed. Also, they are required by federal law that within 5 days of speaking to you they must send you a dunning letter that tells you about your debt and in which you respond with a DV letter. They will probably tell you they already sent the letter blah blah, blatant lie, dont believe them when they say they cant or already did. Thats a standard lie from scum collectors. FEDERAL LAW: they must send dunning letter within 5 days of contact with debtor, FEDERAL LAW: DV Letter proving debt! They can not threaten, harrass, call your boss, your friends, or threaten you with arrest or jail-very very illegal. Look through this site for what you letter should say and what they need to send you for proof of debt and they are legal in collecting said debt. DO NOT let them bully you, thats what they thrive on-scaring people into opening their bank accounts. Come back here if you need more help


lrhall41

Submitted by anonymous on Thu, 12/16/2010 - 15:43

( Posts: 202330 | Credits: )


Quote:

They can not threaten, harrass, call your boss, your friends, or threaten you with arrest or jail-very very illegal.

I don't think any legitimate collector will ever make such attempts. If they're doing it they're simply going against the FDCPA norms. They could certainly be prosecuted for their actions. You should close any account that they have an access with and could rather ask your bank to open a new account for you.


lrhall41

Submitted by anonymous on Sat, 12/18/2010 - 03:33

( Posts: 202330 | Credits: )