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They keep calling us and claim to be representing Lawyer Aaron Doogin. they are not a law office, they divulged financal information to family members in another state.
what can we do?

I received a phone call from Academy collection agency at 10 am March 20, 2008. The person I spoke to was Melissa Fine. She seemed very nice and willing to help me with my situation. After telling her that I could not make the $600 payment, she told me that every thing on my credit report looked good except this one debt with chase bank. She asked if I had refinanced my home. I told her yes. She asked me why I did not pay the debt with the money. I told her we needed the money to pay for basically are everyday bills. She became angry and abusive on the phone. I was upset that I was not notisfied that the call was recorded --thats when she said you are angry because you dont pay your bills. and other things. I was asked to speak to her manager, Alexis Clark. She told me when I sighn an agreement with Chase I'm automatically signing a contract that allows by law that the conversation be reported. Well, I'm not talking to chase. I'm speaking with Accademy. She would notlet me get a word in, and when I tryed I was told that I was rude. Even said I was acting like a kindergarner. I asked for her managers name, and said I would like to talk to hime. She gave me the name Brian Andrews. She said dont bother because he wont call you back. I did call and left a message, and hopefull that he will listen to the recording.
I do not appreciate beeing harrased like this and yelled at. This was very unprofessional and abusive.
Rachel Perlman

The company: Academy Collection services
The debt collector: Susan Hayes, EXT 2573
The crime: Numerous violations regarding the Fair Debt Collections Practices Act. Specifically threatening to run an asset search to have my property reposessed if I didn't pay up today.

I was told by a credit management company that you should contact the Attorney General's office of your state with the information - what state the creditor is calling from and the person you spoke to. They can be fined for these calls coming to your work as it can put your job in jeopardy.

I was told by a credit management company that you should contact the Attorney General's office of your state with the information - what state the creditor is calling from and the person you spoke to. They can be fined for these calls coming to your work as it can put your job in jeopardy.

Ive worked at academy off and on for 12 or so years. Everybody there are money grubbing scum suckers off the street (most) looking to make a few bucks. All the managers are scum bag drug addicts, this is from top to bottom. MY point here is you dont have to LIKE or identify with the people you are talking to, but if your looking to clear up your credit: TALK MONEY, NEGOTIATE and CLEAR UP YOUR ACCOUNT. People are there to make money, and they will negotiate with everyone within reason.

all these were in 06 has things improved with academy?

Quote:

*Correction--Collections4life gave the above quote. Apologies to Jackie. :lol:

*Correction to post*--Collection4life gave the above quote, not Jackie. My apologies! :lol:

Hi
does anyone know if the 4 years applies to when the agreement was made or when the agreement came into default. I'm thinking the answer would be of when the agreement fell into default but can someone confirm?
Thanks,
E

Are you referring to SOL? What state do you live in? SOL generally starts with the date of last payment.

They keep calling my mom's house...which I don't live at and haven't for the past 2 years. I told them not to call that number as I don't live there anymore and I even called them back and left them a message to try and resolve the situation. Instead of calling me at my preferred number, they called my mom's house back and left another automated message. WEIRD! I guess based on this board, I should expect to speak to some rude people to resolve the situation.

My father got a call the other day while I was at church and then immediately called me to notify me of some Federal case, the guy told him QUOTE "We need to discuss something that happened in his office a few days ago" END QUOTE... WHAT??? WTF is that??? How low do these screwballs go? Isn't that a federal crime to inpersonate the Feds?

The best way to get them off your back is to call them back, tell them you will be recording the call, and ask them again to tell you why they are calling. They became "nice" and offered to remove my number from their database as soon as I did that.

I got qa call last week from them trying to locate my ex from 10 years ago, said they thought we might be related. I'm wondering how they got my cell number as I have remarried and the cell acct is in my new husband's name only. ?? I explained that we had been divorced for years and the rep wa very apologetic and has not called back.

These people have just started calling me AND my mother looking for my ex-husband. I keep telling them that we were divorced in 1987 and that I have no idea where he is. Each time the employee then says that he or she will update the company's records and the calls will stop, but they haven't stopped. In just 2 months they have called me 4 times and my mother 2 times. I have filed a complaint with the FTC. I am looking into what state agencies I can file a complaint with too. I hope I can get this company to leave me and my family alone.

Hi, I have been contacted a few times by Academy Collections by phone, and just found out that they called my parent's house. They used their automatic message that gave my name and if the person listening to the message was not me to hang up, etc. I also got a letter in the mail regarding the supposed debt I owe. I vaguely remember owing something on a store cc, but nowhere near the amount they are trying to collect! How do I tell AC to stop the phone calls period? I am working on cleaning up my cc debts (and have actually settled some with other, much nicer, collection agencies!) but am really short on money now. I want to keep my family out of my debt business and make these people leave them alone. Thanks for the input

Has anyone ever received a judgement from Academy?
I contacted them in December to attempt to settle the account. I offered $8000 on a debt that was originally $15000. They refused. I tried talking to 3 different people with no luck. Now I have the sherriff hunting me down, they stopped by my old house a week or so ago. It is possible that this is in connection with another account, Amex, that I defaulted on but that is with another collection company. I have made arrangements with 2 other cards but currently have nothing extra to address these until I get these others paid down or find a better paying job...right now I'm just happy to still have the job I do!
I live in MN, does anyone know what happens if the sherriff is unable to locate me and cannot deliver the summons? I forwarded all my mail to a PO box but absolutely nothing has come through lately from anyone and the phone calls have stopped from Academy. I was hopeful that they decided I was uncollectible since I refused to call them back after they did not accept my offer, and that they sold my account off to another collection company.
TIA for any responses.

you cant sue them for western union or check by phone. all debt collection agencies use these as method of payment. as for the bad experience......... get the collectors name and fax a compliant letter to them. by law these people have to be fired. I know people that work there. They do go through extensive training on the fdca before they go into the call center. As to whether they choose to abide by them. Well thats up in the air. I do know that if you fax a complaint or contact a manager (not a floor supervisor) the person will get fired. My friend did.

Guest...there is nothing "by law" that says they have to be fired. Academy may go thru FDCPA training but they do not abide by it. In a reputable CA, you do not have a choice to abide by it and obviously Academy choose to turn a blind eye or encourage these violations.

I owed Chase Bank and lot of money due to me losing my job in '06. Chase didnt care about that fact and kept billing me month after month...I recently recd a letter from ACS and they told me I can settle for less than half..I called Chase to confirm that they were indeed the collection agency being used and was told yes :)
I dont care if they are rude or not, I just need to get rid of this darn bill that followed me from NYC to FL...Plus they gave me an option to use a money order....

Unless you have an agreement to the contrary, the remaining balance will likely be sold off to a JDB. Be prepared for this to rear its ugly head again sometime in the future.

Different company, same issues. Kept calling me every other day for almost two years about some 20 year old debt my wife had.

Just check with your phone company if there is "automatic call rejection option" available. I signed up for it about 3 months ago and every time they called me, justed added their phone numbers to the list. Have had no bothering calls for 2 months.
Best $2 a month I've ever spent.

Does anyone know which credit card they represent? CitiBank? Maybe?

I also get a computerized call ever 2 or 3 days. It says "if this is (2nd computer voice totally garbled) and you continue to listen to this message you are agreeing that you are (2nd computer voice totally garbled). Call this # and here is your reference #. I have called twice and no one ever answers. Annoying!! BTW, I am not (2nd computer voice totally garbled)

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The law reads, that if they contact you on the phone
require they send you documentation of their request
BY MAIL.

They will refuse, the reason is: Under State laws in order to
be a valid debt collection agency they need to be registered
in the state they are trying to collect.

I am in FLorida, they do not exist in the Sunbiz.org web site
that I check Licensed business .

They refused to send me info, asked for ME to send THEM
a request. Which I will not do, because that will trigger
a connection on my side.

Request the State that they are licensed to do business in
that will stop them.
Thanks
[email]propertee@comcast.net[/email]

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The law reads, that if they contact you on the phone
require they send you documentation of their request
BY MAIL.
They will refuse, the reason is: Under State laws in order to
be a valid debt collection agency they need to be registered
in the state they are trying to collect.
I am in FLorida, they do not exist in the Sunbiz.org web site
that I check Licensed business .
They refused to send me info, asked for ME to send THEM
a request. Which I will not do, because that will trigger
a connection on my side.
Request the State that they are licensed to do business in
that will stop them.
Thanks

check to see if they are registered in the state which they
are trying to collect in. If not, tell them you will turn them in. That should stop them.

I just returned their calls and they were looking for someone with a name similar to mine. When I told her that the person she was looking for was not me and to please remove my telephone number from her call list, she hung up on me. Strange. Her name was Kim Mack and she's at extension 2551. When I called her back, she wouldn't answer her phone. Very Strange indeed. Desperate times cause for desperate measures, I guess.

doesnt it matter to these people that theres usually a statue of limitations in place for most debts? In AZ its 6 years for written contract
ARS-12-548 and 12(b)(6). I know that this isn t true for fed loans. I was called on my cell phone ( which is considered also bad practice by the fair dredit act) and when i called back I was not informed of the nature of the call or did they answer it with the company name. I asked about this call and was asked my name by what I considered a receptionist. I was still not informed that this was a debt or the name of company or an attempt to collect a debt. I thought I was calling the VA med center or something, and being transfered to a nurse station about an upcoming appointment. The Recept' got back on and asked If I was going to pay now for this past due dillards acct. I STOPPED her right there and said Oh that sure. what information do you need and you dont mind if I tape this do you...she turned very nice and said ok.
I have a DVR and did record this. I asked her the alleged last activity. I was told a LIE anyway and a bad one. She said March 2003.. Ha. I was "indisposed" that year and made no activity. and I gave her my cr number and told her even if I did make that activity the SOL ( statute of limitations is well beyond the debt being valid.

I am now sending a letter of that fact and telling them to lift this from my credit file as active. the debt is not longer valid but will still be on file till 2010.

you can do this Pro Se ( by yourself) or find a Probone lawyer through your economic security office probably.

Im in the process of a civil claim now under the same instances but Midland Credit management are idiots. Ive sent the reps Motion for validation and got only a copy of a "sample" agreement, no signitures, nothing. I sent a motion for Bill of particulars. A more definate statement to debt. just waiting now.

I will take this and academy to court. If sued you have the right to have the person involved in the collections at trial ( someone from academy), the original card finacial holder. ( someone from citibank) you also have the right to call the Custodian of record up to stand. and these people need top fly drive opr what not to get there. and its the plaintiffs responsibility to get them there. and usually they have no personal information about you or the file. Im not a lawyer but have been reading up. you should research too. of course if you lose...appeal.
i had Chse bank contact me for a debt that WAS id fraud. and I knew who did it. after the investigation. they aplogizzed to me but WOULD NOT go after the party responsible...it would cost to much. It was 1800.00 theft.

The best way to deal with them is if you have the time..keep them on the phone line as long as possible ask them to repeat what they are saying over & over. Also, always ask them for their name & address and each time they ask you a question, ask them two questions. The longer you can keep them on the line the better because time is money them. Never tell them anything about yourself at all and never pay them a dime. Waste as much of their time as you can.

Got my first call from ACS last night ON MY WORK CELL PHONE. Am virtually bankrupt/insolvent and I laid it right out to them. Foreclosure is in my future. Seemed like a nice fellow (David). I matter of factly told him that he can do what he needs to do. I've been to 'debtor's' court before and am scheduled again. I have can prove my situation. (Can't get blood out of a stone). Call ended. One hour later someone else called and wanted to rehash. I courtesly but firmly cut them short saying that I said what I had to say to David just an hour ago and will not go through it again. She said OK and hung up. Today while at work, again on my work cell phone, I got another call from a strange number. I did answer but no one was on the line. With a little research on the computer I found this site and thought I would give my two cents. Just because I can't pay does not mean that I will take any BS. So far so good but all you folks have given me the heads up for me not to feel guilty if return rudeness becomes appropriate. They have a short leash. 856-668-4530, 866-860-2708, 215-320-0424.

They just called my home that has an unlisted number. No one has this number except my mother and my husband. The representative was completely disrespectful and rude. He raised his voice at me and wanted me to verify my husbands social security number over the phone. I am not stupid and have worked in customer service agencies and know that this is not how you EVER speak to a customer. I immediately asked to speak to a supervisor and he was just as condescending. I asked for a call back number for my husband to call back. I do not want to deal with a company like this. The scariest thing is that we do not even have record of this debt. This account was closed a year before they even said it was opened. It was closed with no debt. Then, in his credit report it does not appear as a debt. THESE PEOPLE ARE LIARS. If their purpose is to collect debt, this is not the way to do it. It is illegal and morally unethical.

Academy Collection Service, Inc
has changed name, now is:
Monarch Recovery Management, Inc.
10965 DECATUR RD
PHILADELPHIA PA 19154
KEITH DICKSTEIN, President, treasurer
AMY LEVITAN, secretary
ref: https://www.corporations.state.pa.us/corp/soskb/Corp.asp?411205

These are the numbers from the website:
215-281-7500
800-220-0605
215-281-7512
(I changed the separators to dashes for improved SEO referencing).

These people are calling my elderly parents and have talked to the nurse who is here to take care of them. They want to talk to my dad (who refuses) and my mom (who is bedridden and incoherent) and then asked her if I have any kids. I have one debt that I am dealing with currently and nothing else. If they won't provide any information why should I? These are not the people I am currently dealing with.
I see many posters claim it's for a citibank debt - I have no credit cards (except the one I am dealing with currently - Cap One)
But this woman (Jenna something or other) screamed at the nurse and demanded my information - I don't even live there.

i would say you are begining to record the conversation .. then then would rethink before threatining. since conversation is being recorded by you.

these people keep calling my job for someone who no longer works here, or works outide of the office__ we do not take personal messages, that is what there home number or cell number is for! my next step = the Ohio Attorney General