FFG & amp; Associates - Are consumers grieving against the CA?

just looked it up and it's a scam.another bottomfeeding pdl collector.file the usual complaints,and do not return the call.you will get the usual stupid threats.

I know you said not to call but I had to find out if they were trying to collect on a payday loan I had already paid off or the one that I am paying on now or what. They said they are collecting on a payday loan I had from biggest cash payday loan, which I did have on but I swear I paid them off. I cannot find a contact number for them on my bank statements only transaction id #. The problem is I closed the account prior to last payment and do not have credit cards anymore that I would have made payment on either. So it is important for me to get in touch with them to validate that I did pay this off entirely because this FFG & associates is saying that I owe $733 on account when account was ariginally I think $480 or $520 and the payment from just my checking account alone eual $360. This is all from the end of 2008 beginning of 2009. If anyone has the contact info for biggest cash payday loan company I would greatly appreciate you posting it for me.

Spoke with Mr martinez at FFG and states that validation letter will be sent to me within the next 72 hours and they will be contacting my employer also in next 72 hours for employment verification in case I do not make payment to them in full by April 31 and other measures have to be taken he did give me biggest cash advance's number to speak with them about debt but he said if I speak with them before I receive letter he doesn't have to send it to me and he did state that it will have the least amount of information he has to provide me by law and any other information I want I will have to obtain by PDL company. This conversation I had was on a recorded line and I am sure because the local police informed me on how to tell when I am actually speaking to someone on a recorded line.

my rule marcia is if you are not sure don't pay them.sure they can record,but i doubt if you took action against them they would produce it.again a scam collector that tries to extort money from people with past pdl's.wait for this supposed letter.i doubt you will receive it.they do not want a DV letter sent.

I got the exact same phone call just yesterday. They said I have 24 hours to call them back before they start garnishing my wages.
Two things come to mind here. One is that I was never given any kind of letter from them, and when I asked them to email it to me they never did. Its been almost 24 hours. The other thing that comes to mind is that they cannot garnish wages without a judgement being placed against me. Am I right about that? My lawyer said I should try and get a case number from them, and let her know if they come up with one or not.
I do not plan on paying these scum bags.

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I was served a court summons today at my job. Says I'm being sued for some old bill I never paid. I was so embarrassed because an officer came up to me with my boss and handed me these papers. I really don't even know why they are suing me and I'm wondering why I was never contacted before either by phone or mail. I'm going to call them and see if it's not too late to work it out or if I need to appear in court at the time and date as it says in my summons.

I was served a court summons today at my job. Says I am the defendant and FFG & assoc is the plaintiff.. I'll call them and hopefully work this out. I don't want to be sued!

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Do as I do, don't answer phone calls from unknown callers.

I got the same call and same letter. It is all a scam and let me tell you they are not showing up at your work they are bunch of idiots. They are a complete scam big time. I got one saying I owe Money and More, which first off I paid off and have all the proof. Second off they are no longer a company. They are a HUGE scam. Just ignore them. I am reporting them to my Attorney General office.

I just got a call from them, too. They are also callling my friends and giving the same spiel. I've reported them to the BBB.

Does anyone have the mailing address for these bozos? Are they in Henderson, NV?

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They are not a scam - they are (were) a company. However, they currently have a Cease and Desist order in the State of Nevada. They are not allowed to be operating. Contact the state of Nevada, and complain. Also document everything they tell you, and who you talk to. (even though those that answer, will not give a name, and those that do have a name are ficticious names, and several different people will answer the call using that name. Record all conversations you can with them. (I only talk to them on a landline on speaker phone so that I can record on my cell phone). You also need to make a complaint with the Fair Trade Comission (FTC.gov). I would then suggest you contact your Attorney General about it. It could be a valid debt, but do not acknowldege the debt to them, and demand proof of the debt (which they won't provide). They will use scare tactics that they are a legal firm, and that they are going to garnish your wages, they will charge you with a crime, etc. They have done it to me and the practice is all illegal. If they do not have a legal office in your state, you can put an order against them to stop contacting you, but make sure you have all the other stuff started (complaints, etc) and that you have a copy of the cease and desist order (it can be found online, again, on the state of nevada website). I can almost guarantee, if they end up actually send someone to court, take all of your documentation, and a copy of the complaints you have made, and a copy of the cease and desist order to show the judge. Again, it may be a vaild debt, which is just your bad luck, and should be paid off, but don't let them bully you or infringe on your rights.

They are located at
419 Stephanie St
Henderson, NV 86014

The address I got for them from another site is:
Frontier Fiancial Group
1291 Galleria Dr
Ste 170
Henderson, NV 89014-8635

(702)586-4444

I will use this address and the one provided above to send a DV letter as well as to file a complaint with the FTC and AG. Thank God for these forums....if I hadn't looked them up, I might have been scammed! I knew right away it was bogus. I haven't written any checks in a long time and have had no pdl in at least two years!

Thanks for the info. I did file a complaint against them with the BBB using the address they had on file for FFG. I will update the complaint.

I got a call from them also but no message or anything. If they are trying to collect for a payday loan, let me tell you. I had one that was not even in the US and when I told them to stop calling me at work they said they didn't ahve to becasue they are not in the US and don't have to follow our rules!

Just to let some of you know:

1) They cannot collect on a debt if they do not prove to you they own the account now and have original paperwork like signed contracts, anything with your signature, otherwise consider it bogus.

2) Request from the company a debt verification letter. They have 30 days to respond to you. If they do not furnish you with the verification and try to collect or report you to the CRA's, they are violating the law.

3) Never answer the phone from a number you do not recognize. This company seems to have a loop system that will have your area code attached. Don't answer.

4) The messages regarding a check you have written and need to verify for security purposes: It is a ploy to scare people into calling back thinking their identity was stolen.

5) The Dunning Letter: this letter is the collection company notice to you, not the actual verification of debt. This will not hold up in court as a verification. Google Dunning Letter and you will see the difference.

Do Not Trust These People They Are Scammers Praying On People Who Do Not Know Their Rights. Until you have the debt verification in your hand, they cannot collect on debt if you dispute it. Run your credit reports to make sure they are not reporting you. If they have and you sent a DV, ask where your $1000 is since they just violated the FCRA.

Thanks for the list. I have been dealing with several collection agencies recently, some regarding debts that I definitely do not have. I start by filing complaints with the Better Business Bureau and follow that up with the DV letter. I've found that it stops many of them right there. Also, Sprint seems to be the provider for these bogus phone numbers many of them use, so Sprint should be included in your complaints to the FTC.

Okay guys, I just spent several hours going over posts and reading websites and the like trying to get some real information about FFG & Associates.

Yes it's true that at one point, they were operating without the correct licenses. Being a startup company, they had failed to obtain the required licenses and documentation from the state of Nevada, and were thus issued a cease and desist order. That order has been rectified, the company is now licenesed, and this license has been verified by the BBB of Southern Nevada.

http://southernnevada.bbb.org/bbb_rated_acc_rpt.asp?bbbid=79802&tr=rated&lg=B%2D&ex=15

They are now legally licensed as a collections agency, so my advice would be, if you owe money to a company, and expect that it might be in collections, contact the collections agency, and ask for paperwork to be mailed to you.
I am not an employee, just a consumer who had come across the company, and was interested in their legitimacy. I will be posting this same reply on other sites.

Thanks.

Yes, I am aware of the same information. When I filed my complaint, they showed a B- rating for the company.

I too got a call from them, but it was out of CO. Same story, trying to contact me to verify some things on a check I wrote for security purposes...I haven't had a checking account in over 5 years so I'm amazed that anyone would still have a check from me or have an unresolved issue with a check that was written probably 6 years ago, or more. It's a guarantee I won't be returning the call or answering any if they try to call back.

That CO call was probably not really from CO. Check it out on the BBB website. I would bet that nothing turns up in their database. They are using fake phone numbers.

I'm not surprised they're using fake numbers, they obviously don't practice any type of business ethics. So I did answer their call a couple days ago and they said they were calling for one of my friends (on my phone!), I stopped them right there, for one, it's not my friends number, it's mine and no he can't be reached on it(why would my friend give MY number when he has his own phone??). Second I told them to take my number out of their system and to stop calling me. Now they call me at least twice a day, I answer so I can tell them to stop calling me again and they immediately hang up every time before I can even say anything. It's starting to become harassing. I'm getting so mad!! And there's no way to block the call on a cell phone! Gggaaahhhh!!!!

Report them to the Better Business Bureau and the FTC. Tell them how many times they are calling you.

I reported them to the FCC. :D I'm tired of being harassed. Thankfully my phone keeps a very thorough call log so I have every time they called me on record.

You should also report them to the BBB, who will contact them quickly. Once you do that, the calls should stop.

I work for a law firm collection agency...I have also received calls but havent wrote a check in years...so to answer a few questions on the legal side of this issue... first of all a validation letter does need to be sent with in 5 days of a collection agency receiving a collection account..it is the law check out FDCPA laws..secondly they legally cannot leave a message with anything to do with a check. if they are a real collections agency the message that you should get is this..this call is for____my name is _____im calling with______i must inform you that this is an attempt to collect a debt and any information obtained will be used for that purpose. I do need a return call please call me at ______.
this is also under the FDCPA laws and there are cases being tried in almost every state because some agencies choose not to say this. As far as the legal side of this, they cannot threaten to garnish your wages or put a judgment against you unless a court file has been opened...keep in mind this is all information that you can request. In a legal collections case I can tell you that if you dont work with me I will request a judgment against your assets and in some states once the case is open i can also request to garnish wages however none of this can be done until a case file is open with the court period. anything other than this is just a lie...i have had these people calling my friends for "references" so please be careful of that as well.

What if the agency is trying to collect on an old debt that is past the statute of limitations?

The people called me through a number attached to my area code.They asked me the same thing about a check.I haven't, the person written a check in over 10 yrs,I called back from another business phone and I had a woman answer,I had her stuttering when I told her I don't write checks and why are they calling me.She couldn't answer.So i called the police from the area the number come from...here is the first number....270 605 0339...here is the call back number and his name is Joesph 1 866 443 6985 he left message asking me to return a call about a check and needed info for security reasons...This is a old time hacker technique........some fall for it and some don't..I'm not that dumb so if you get a call from FFG and associates tell them to stick it...

You should make the call from a pay phone instead of a business phone. They will note the number you are calling from and start calling it back over and over again.

I had the same call within the past 2 days. They however are calling my work. I spoke to my boss and they are aware of the calls and will put a stop to them calling me at work. I havent had a checking account since feb of 2010. i did take out a pay day loan which im sure i still owe on however due to issues with my ex-bf i have to file bankruptcy so my lawyer advised me not to pay it because we can file that into everything. i thought about calling number and telling me they need to contact my lawyer. is that i wise thing to do?

No, do not call them at all. They record the phone calls and don't tell you and then try to use it against you later.

I never did receive a proof of debt letter from them, and have not had further calls since I filed the BBB complaint.

I received the same stuff from FFG. They called my employer and asked questions but HR would not respond as they cannot release any info without my consent. There was a cease and desist order on this place (FFG) back in 2008 that says they are not licensed in NV as a collection agency. Their charter was revoked. The secretary of State for NV states there is no such entity registered. I don't have any records of a loan with this company. Did any actually have wages garnished by this company?

That's a good question. This company seems to go after anyone with any kind of debt history and try to stick them with someone else's debt(s), whether the name is similar or not. Or it may be they are not thoroughly researching the debts they are trying to collect on and are just doing this to try to make money from stupid people who believe them and their tactics.

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I'm not saying everyone is stupid, but too many people let themselves be conned into paying these people. I'm referring to the people who believe what these people say and don't bother to find out if these people are legitimate or not. My 80 year old mother is one of those people that was conned by a similar company and lost hundreds of dollars that she was not able to recover.

I reside in Texas and I received a call from a Tomira with FFG Associates. I asked for verification of the debt and they provided a letter from RoVo Associates. They also verified my employment by asking the front desk receptionist if I worked here. They are threatening to take legal action. The first time they called, they said they would filing charges with the DA for failure to pay a payday loan and they wanted me to set up payment arrangements with my bank card.

I asked to to send me more information about the debt such as the amount owed, paid and interest fees. The letter I received only said they were a debt collection agency and no information about the actual debt. I asked them not to call my employer anymore

As I have said before, file a complaint against them with the Better Business Bureau. It doesn't cost you anything, and they contact the entity you complain about very quickly. I have found that just filing a complaint will stop them from contacting you again.

I don't know what bbb you checked with, but i just checked and their rating is a f. The company is operating illegally and is violating several laws.

That's the whole point!!! Keep complaining about them and they will eventually shut down. The bbb contacts them everytime someone complains. As far as I know they have always had an F rating. Let's keep it that way.

Got the same message yesterday.....so far my conclusion is this is, IT IS a major scam to get info from you and your money a lot of people get this not owing anything or writing any checks...I have not had a c hecking account in over 4 yrs lol.....DO NOT REPLY.....SCAM....SCAM....SCAM

wow! i have sent them over 300 hundred dollars, they claim if i didnt pay them off they would send ito court an sue me for thusands of mre than what i supposedly owed. they need to bestopped.

Joseph from FF&G called my cell yesterday 7/26. Interesting enough - I don't use my cell for any business and the 4 creditors that I do business with all have the correct number to reach me. Joseph wanted to verify information from a check I've written.....Joey, I don't write checks to pay my bills - haven't done that since 2009 with a totally different cell number than the one you called me on. Scammers are smart - but I'm smarter! With his talent he could get a REAL JOB!!

I asked THEM to verify who they are and got hung up on. If that weren't proof enough (aside from the fact that I don't write checks very often), I checked here. DON'T BE FOOLED!!!!!!!!!!!!!!!

Joseph called and left me a message about a check(same scam), i called him (whoever answered) they want my sister, i didnt give any info except this is my phone and not the person you named. The next day they called her supervisor, her HR dept and then her, she works for the state of CA. She paid off a payday loan 2 years ago and doesnt write checks either. Thanks for all the info she will be filing complaints and i will be blocking the number.

I too have received calls at work twice from a Joseph stating he need additional information about a check that I wrote. I figure it was a scam, but I called and made them tell me what this is for. It's concerning a Payday Loan. The first time I called, the individual hung up on me, I decided to call again and this rep was so incline on me giving him the telephone number that was left for me to call as well as my telephone number. I just politely hung up.

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