Bogus Collection -- Encore Receivable Management Inc

File a complaint against Encore. They are famous for this. When filing your complaint with the consumer protection office in your state, have all documentation ready to send with the complaint. Also, file a complaint with the BBB.

That suggestion is fine but it does not solve the issue at hand.
On principal I refuse to pay for a debt that is NOT mine. Yet this would appear on my credit bureau as an "unpaid collection".
I want the legal means to prevent this from happening and to sue the parties responsible.

You have a case against the collection agency for misrepresentation of your accounts. As per the fdcpa laws, the charges applicable will be section 809( b ) and can recover the extent of the damages. You need to hire an attorney that specializes in the lawsuits of FDCPA violations.

At the same time, you must dispute with the credit reporting agency on this item. They are reflecting this account inaccurately in your file and thus, hurting your credit worthiness. It needs to be verified immediately.

Collectcorp dose this as well... guard your credit report.

Because this involves a telecommunication Compaany, under the fdcpa the Federal Communication Commision is the agency you would need to file a complaint with. In addition file a complaint with your state attorney general as well as the Nevada Attorney General (that is where Encores is). For good Measure, I would also file a complaint with the FTC as well.

My experience has found complaints to the BBB are subjective and have little effect and carry almost no weight with many companies, especially collection agencies of low ethical and moral standards.

Encore is also in Lawrence, Massachusetts and Olathe, Kansas.

I beleive Olathe, KS is their corporate office.

When we were dealing with Encore, on the caller id, it showed up these three places. Just thought I would give the info.

If you have the money sue everybody involved!!!
I was in the unfortunate situation of trying to get student loans when a collection agency frauded me out and ruined my credit. I obviously didnt have money to sue the jerks or I would have believe me.
Lost my last year of college because of COLLECTCORP!!!

you were unable to get student loans becasue of a collection item? Was this private financing or Federal? I was able to get federal Stafford Loans immediatly after filing a bankruptcy, so a open collection item shouldn't prevent you from getting federal student loans. IF you only have a year left, when you recover, go back and finish.

I highly recommend to anyone who hasn't finished school to go back and get their degree. It doesn't really matter what area it in just so long as you have the piece of paper.. Most companies require a degree for increasingly meanial jobs.

I was surprised that my husband was able to get stafford loans to continue with his bachelors degree with our credit in the shape it is in. I do know that the college financial aid department will help you get the loans needed to complete your degree. I am wondering if that is why my husband got his loans without any problem.

I agree with Clay, do not let the negative marks in your credit report hurt your academic sessions. Review the credit report in an extensive manner and list down all the incorrect items for disputing them. Monitor the reports regularly so that any fraudulent activity can be detected instantly. Most of the times, collection agencies are responsible for ruining our file. Place your complaints at the local consumer protection office as well as the BBB and the FTC. Make the authorities aware of the illegal businesses so that they are shut down.

I was applying for a bank loan because the school I was applying for was private.

I was accepted in a program that was allowing people with limited university ( 2 years). However, the next intake year they needed a full pre med course to be accepted.

When I applied for my loans for that year I was denied because Collectcorp lied to the credit bureaus.
By the tim,e I got it all straightened out it was too late to pay my holding fee and lost my spot.

In order to re-apply I would need to take the 4 year pre med course for the following year. (Chiropractic)

I complained to the RCMP, BBB, and the Govt.
All I got was that they took the fraudulent info off my file so it was done with!!

Collectcorp Fraudsters - Those like you, who go through such sensitive situations can only realize the pain from the depth. I can only pray that you don't have to go through such hard times again.

Today I received a letter from Encore stating that they apologize for the claims of violating the fdcpa laws and they make a practice to not violate these laws, but consumers need to understand they have a job to do and they are just doing business. Then they close the letter stating, thank you for letting them know about their employees. I thought to myself, what a crock and waste of postage. I am taking as a sign that they are in trouble because of their collection practices.

Brat, include this letter in your folder of important documents. In future, you can use this letter to prove Encore that they were guilty of their mistake. It can be used as a powerful defense.

I hope youre not satisfied with that response Brat!

Everybody has a job to do...that doesnt mean that they can break the law!

Thats like at a retail job for instance " Consumers need to know that we have a job to do and that we might steal from the company, were just doing buisness."
What a load of crap.

Short and sweet - " Yeah you busted us but were not admitting any wrong doing because we have a job to do"

Oh my goodness. What a crock. I would be so mad!!!!! :x

~Mary

In response to Collectcorp Fraudsters, I am no way satisfied with this response. I feel they are trying to cover their tracks and it isn't going to work. I have put it in my large over extended folder of letters for future use.

The Account ( LOWES ) CAPITAL ONE WAS PAID
In Full and Ordered To Close the Account,
Which I sent Certified Proof of this action.
However, they Hired Encore to Hound For
Something That Has Been Paid in Full!!!
I Called the Attorney Generals Office for
Info, on how too, and I did exactly what
they told me to do. However, this did't
stop them at all.
Thank you !!
Marshia Guilbeaux

Not sure who mentioned this earlier, but the FCC is not the organization that can help you here. This is a debt collector, claiming that a debt is owed. If the debt is not owed, then the debt collector is in error. Encore's the one in the hot seat here and they are not governed by the FCC.

What you need to do, ASAP, is contact your state's attorney general's office. You need to file a formal complaint with the AG's office and with the FTC. Give them each a copy of the Verizon letter with each complaint. Let them know that you provided this information to Encore and that they refuse to handle the situation. They will look into Encore further. At the same time, mention what has been placed on your credit reports and they will make that a part of the complaint. If Encore doesnt clear this up, even after these complaints, then simply sue them. Dont wait around for them to fix it on their own--they wont.

Encore called several disinterested parties in my case, divulging private financial information ON VOICEMAIL!

Their calls to me and other parties broke both state and federal laws.

I saved as much information as I could and retained:

Philip D. Stern, Esq.
Law Office of Philip D. Stern
75 Main Street, Suite 101
Millburn, NJ 07041-1322
Telephone: (973) 379-7500
E-Mail: [email]prelitigation@sbcglobal.net[/email]

As my legal representative.

That put an immediate stop to the harassment and illegal activities of these "Gestapo tactic" debt collectors. If more people take a stand, it will eventually have to stop.
Caller ID: 877-213-1161
Caller: Encore Receivables Management,

They have called my company cell phone over 50 times in the last 2 months collecting for someone I don't know and even though I have asked numerous times for them to tak ethat number off there records they have not done so and are starting to get rude with me!

If a class aciton law suit is filed I am in to help!

[email]jerredsmommy@yahoo.com[/email]

Hi! I am one of the debt collectors from KS. Well, you'd better pay your debts if it is legally owed. But i would say that i am one of those people who are aware of their credit reports.

I've studied such scenarios and found out that some of them were lying, making some alibis. I am telling them to call customer service to verify the eligibility of the call and they wouldn't do it. Some say, t'was a waste of time. Well, i am just concern about their reputation that might be ruined by collection agencies like mine.

:?: Sorry fetus, I'm having a hard time understanding your post. Could you clarify?

I am a third party that has been getting phone calls from Encore about a family member. My calls have beem coming from a Ms. Pam Young. I just called Encore and spoke to Ms. Pam Young and asked that they not call my house anymore. Ms. Pam Young said "is that it?", and then hung the phone up. What a piece of cr*p person with a piece of cr*p job.

You need to report them to the FTC, if more people would, this type of thing has a better chance of being curtailed. :)

Send them a full Cease Comm informing them you are not the person they are looking for and any further correspondence from them will be responded to with a summons for violations of the fdcpa. Simultaneously, file complaints with the FTC, the AG's in your state and their state (they have offices in OH, NV, KS & NV) and the ACA (They are members).

pay your bills on time and you wont have to worry about talking to myself or my co-workers (who by the way are not crooks) we are just doing our jobs to feed our kids and pay our bills.think about this if we dont do it then it goes to india how do you feel about somone calling you from india to collect a debt another country with all your personal info?and learn fdcpa law before you just start vomiting up more wrong information to these other people

Glad to see the GED (Good Enough Diploma) squad out today! If you re-read the post from Jim S, you'll see he is not the debtor in question but a dis-interested 3rd party. He doesn't want to be contacted because he didn't incur the debt. Leave him alone!

BTW: I'll go up against you any day of the week in regards to the fdcpa! Troll!

maybe you should be upset with the family member who gave your # as a contact # and now refuses resposibility for there debt,what none of you people seem to understand is that this is a job this is how we make our money,this is a forum filled with debtors ask yourself how many times you have paid because your sick of hearing about the debt or sick of the calls or because of the ramifications of not paying,think about it if we called you once a week and "asked" you to pay youe debt who would offer that no one person here thats why you are in here bitching about people who might be doing this part time so there bills dont fall behind.maybe the rest of you should get a part time job doing collections maybe then i wont have to put up with your rude intitled attitude when i call to collect on you,you will be ready to get your check book and be accountable for contracts you sign

Personal attack deleted, violation of ToS. - Uncle Wulf

You might want to work on your punctuation, spelling and grammer if you want to make it thru college. It would serve you well in your future endeavors.

Collector - your spew is not welcome here. If you'd like to constructively participate in our discussions, then please do so. Otherwise, buzz off!

Collector you know damn well that collectors use databases that have All relatives, friends and neighbors phone numbers NO ONE has to give you a "contact number". All of you collectors that violate the fdcpa are pieces of crap as far as I'm concerned.

DO NOT CALL THEM!!!

THIS IS A SCAM!

THEY PURCHASED RANDOM CREDIT CARD NUMBERS AND ARE TRYING TO COLLECT THEM FRAUDULANTLY!!!

GO TO BBB.COM AND TYPE IN ENCORE RECIEVEABLE MANAGEMENT IN OLATHE KS!
THOUSANDS OF COMPLAINTS!!!

800-901-4469
877-213-1161
888-785-0607
8009014469
8772131161
8887850607