Collectors do not leave company name

ocbeach4us,

Collectors should identify themselves very well while speaking to you. Just ask yourself, will a legit company ever try to hide their name? No, never. So if she calls you again, tell her clearly that you want to see some written document at first. Ask for their address so that you can send DV to them.

Once you know their name and address, send DV through certified letter with return receipt requested. They should send you debt validation within 30 days. If all the items mentioned in the validation are correct, then only you need to pay it.

If you find this company not a good one, or feel it difficult to deal with them, you can send them a Cease and Desist letter too. Once they receive this they should stop contacting you. And what you will do, contact your creditor and try to settle the debt with them directly without involving any third party. Also visit different sections of this forum; it will help you understand how to proceed with these issues.

That number is for Jacoby & Meyers.

You are right TMD; please go through this thread to know more about their activities-

http://forums.debtcc.com/forums/loan-paidback.html

It is a violation of the Fair Debt Collection Practices act to call without providing "meaningful disclosure" of the identity of the caller and the firm the caller works for. The "out" for the caller in the circumstances you describe is that he is not permitted to say anything in a place you don't control with respect to your debt, and telling the name of the company is like saying, "we're calling you about a bad debt, you deadbeat." Since the caller can't tell who may hear that message, or even if they have the right telephone number, they can't say anything with that import. It's like the prohibition against sending you a post card, if anyone can read it, it's a violation.

Bottom line, collection agencies and lawyers trying to collect debts, will use anything they can to try and intimadate you, even if they are just CA's they will make thier names seem like lawyers, check everyhting , their names How they are spelled, Jakoby and Myers, is different from Jacoby and Myers, be very scrutinizing in every thing, Lawyers are just as bad. KNOW your rights, know what they can say or do, and most of all , once you understand , "F" with them they will back down, Lawsuits, hey what can happen, not much.

Do you owe the money? What's wrong with you. Ya know your rights. Don't pay back money you owe if the collectors are mean!

I also received a phone call at my job. Stating someone at the # 1-866-201-4603 needed to speak to me about my bank account. I had gotten an internet loan will never do that again and a payment returned when they tried to ach debit it. They told me I needed an attorney that my public record was about to be destroyed and I needed 445.00 dollars into them by noon, or they would down load my file into the system and I was in big trouble and on and on. I was scared to death, but I didn't send a dime. The original loan was for $200. My account was closed due to some one trying to access my information without my knowing. We caught it and closed the account, every other company I set up payment arrangements with no problem. These people would not give me an address or company name. They said they were located in a federal building and could'nt receive mail. I don't mind paying a debt I owe but this people are rude and will not do anything but try and itimidate.

I got a call today & they left the same # (866)201-4603. This man said either I or my attorney was to call him back. So I did & the guy on the phone says oh ya we have to go upstairs to get your file because we couldn't get ahold of you so it is being prepared to be downloaded to the state. When I asked him what it was concerning he I will call you back in 5 minutes. Well that was 30 minutes ago & no call yet. Ive been thru this before with prelitigation services & they didn't scare me I know my rights & these people can kiss my ---. LOL Just waiting for this phone call so I can tell to send me a verification letter!!!!!!!

Downloaded to the state? That sounds like a shady statement, confused and Angela.

As others wrote, try to get an address so you can send a debt validation letter to the company. You want to mail the letter, not just request one over the phone. Then you have proof that you responded to their debt collection.

And confused, that is completely bull about being located in a federal building so they can't receive mail. Bunch of lies to hide behind. Don't give in, don't make a payment arrangement until you get more info.

Today i received a call again on my answering machine, stating my attorney or i needed to call this # 1-800-275-1576, after calling this # it to some plastics company or some kind of mess. I know they like to use "legal" sounding terms like file, and case # and so on so i wasn't as scared as i was last time. But leaving this message on an answering machine? How do they know if they're even "threatening" the right person?

Companies usualy do not leave a name because the fdcpa says they can only say certain things. They can not state in anyway that it is in reguards to a collection agency because it violates your privacy should someone you don't want to know you are in collections should happen to hear it.

This is true, an answering machine is considered a third party, and messages with third parties are meant to be kept discreet for your privacy rights. The time sensitive statement is just to grab your attention and compel you to call back, it's nothing to be scares stiff about. You can still work on this with the original creditor if this agency seems off-kilter.

Then why do some of them leave a case number on the machine to reference?

They can say case number, because there's no telling what kind of case they mean! What they can't say per the fdcpa is account number

Pinion Management, Riscuity, United Legal all left account numbers to use when they left their messages. OH MY, is this actually a violation?

Yes it is a violation! They CANNOT say account number! Only case or reference number! You really got the pick of the litter every time! Didn't you Tam? I hope all the lawsuits you bring against these jokers leaves you rolling in the benjamins! Since i started following your post history, I've lost count of how many fdcpa violations there are against you!

I think there was emails floating around telling the worst of the worst to call my home, hubby cell phone.

Like I said, I hope the outcome of all these lawsuits leaves you a rich gal!

Let me translate all this into what all this really means: "Tammy! Pleeeeaaase kick our
****!"

[color=Red]****Adult term removed - Jason[/color]

What can you do with a collection agency that set's up a time, and you just can't repay or make a payment on that date. My husband's hours have been cut and I don't make a whole lot, but I'm having to supplement what he brought home. I know that I owe the money and will pay it back as soon as I can get a little extra, but I don't want to be hassled constantly and I would be lying to them telling them I could pay back on a certain date. (These were internet loans that I had gotten, none were real big, but I received a letter that some of my personal information may have been leaked so my bank advised me to close that account.)I didn't like to do it that way but I've tried to set up arrangements, that I can pay then the husband's hours were cut.

Collection agency set up a timeframe so that they are paid at the earliest. If you think that the CA is placing the right contact with you with all your debt details, send the payment you can afford at this time. I will prefer sending it through money gram so that there is a proof of the payment done. If the company cashes the check, your proposal will be considered as accepted. In case, they don't, you will have a proof of taking care of this matter.