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

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I received a message on my cell and at work from a Joseph stating he was trying to contact me about a check that I wrote and needed to verify some information with me for security purposes. I am not sure how to respond to this because I have not had a checking account in over a year. He sounds american and the caller id is from somewhat local area(about 1 1/2 hours away) with a call back #866-443-6985. I thought I would investigate a little before calling back since I have been having serious issues with scammers out of india harrassing me at work and on my cell and I am having troubles getting them to stop. Any input would be greatly appreciated.

From what I have looked up, no they are not licensed in Texas. First step is always send a DV letter, on the templates on this site, there are FDCPA laws they need to follow and one is asking if they are licensed to collect in your state. Send the letter and seeing that it looks like they are not licensed you will probably not hear back from them. Make sure you send it CMRRR, that way you get the green card back. Also, in Texas they have 30 days to respond to your DV or they must cease all Collections. Texas is the best state for consumer laws!

Sub: #141 posted on Fri, 02/04/2011 - 08:18


i've gotten a couple of calls from FFG saying they're calling on behalf of some attorneys at rovo and assc. out of SD county that pertains to me. then he gives me his phone number and my file number. i want to call them back and ask what this is all about, but after reading everyone else's complaints, i'm hoping it's just a scam. any advice?

Sub: #142 posted on Thu, 02/10/2011 - 09:44


I've been getting their calls since last summer. They have even called my coworkers, and left me threatening messages at work and at home. I tried calling them (mistakenly from my cell) to request proof of the claim and when I requested they stop calling me at work they hung up on me. I called back but the result was the same. Today I logged a complain with the Better Business Bureau because now they're calling me on my cell phone as well. It would seem to me that if they were legit and really entitled to collect any debt, they should easily be able to provide the proof I requested.

Sub: #143 posted on Thu, 02/10/2011 - 13:30


FFG is in fact a debt collector as defined by federal and state law.

Federal FDCPA defines a debt collector as anyone who collects a debt owed to another after it becomes delinquent. State laws use similar definitions.

They are located in Henderson NV, and regulated by the Nevada Division of Financial Institutions as a debt collector. A couple years, they were fined when Nevada had to track them down because they weren't licensed to operate as a debt collector in Nevada.

It is a violation of FDCPA for a debt collector to use deception to collect a debt.

Telling you that they are not a debt collector, which would mislead you into believing they did not have to comply with the provisions of FDCPA, (such as prohibitions of threats of arrest, abusive or harassing collection, misrepresenting the status of a debt, failing to send you the required "g" letter notification, failing to handle disputes or verify alleged debts, etc), is itself a violation of FDCPA.

This is what you are already dealing with.
Get an attorney.

Sub: #144 posted on Wed, 02/16/2011 - 02:14


I have no debt however I just bailed a friend out of jail on Monday. It was a felony so I had to out up $200 and the title to my car. My friend gave me the money back and I know he would go to his court dates. I'm not worrying about getting my title back because I trust my friend. Now this is why I'm here...I got home today to a message from Frontier Financial Group saying (now this is paraphrasing) Hi, my name is___and our phone number is_____. We want to help you with the matter in your county and we would like to help you voluntarily resolve this matter.
What matter? Helping my friend go to court? Helping me make sure he goes to court? Has anyone experienced this one before?

Sub: #145 posted on Thu, 02/17/2011 - 20:53


it's more than likely a random scam call as they do this with alot of people.they are calling you in reference to something involving's just coincidence that you helped your friend when this piece of sh*t called.file a police report for the call.then don't worry as it is a scam call.probably when you posted bail and gave your title they got your info,or they got it from another source.just know it has nothing to do with the situation with your friend.

Sub: #146 posted on Fri, 02/18/2011 - 06:26

paulmergel paulmergel
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(Posts: 15514 | Credits: )

I am a collector working for another company and this company is a good company - They terminate any collectors NOT treating clients correctly. I have a friend that worked for them for several years and she says they have fired people for not following company policy which is treat people right. Being a collector I feel I help people set up payments to resolve a problem that will only grow and cause terrible legal problems in the future if not resolved. I like what I do . I treat people with respect and dignity. The problem is that it is not an easy thing to discuss handling a delinquent bill. People dont want to pay sometimes because they think they can get out of it. Then there are those responsible people that just fell on hard times and are trying to work it out. I know that I help people through some difficult times and I treat people the way that I would want to be treated if I wer in their shoes.
Just because someone does collections doesnt mean they are a bad guy. Debtors - please take some responsibility for owing what you owe, too. It works both ways.:!:

Sub: #147 posted on Mon, 02/21/2011 - 16:08


There is nothing wrong with the collection industry as a necessary entity to the business world. Businesses are entitled to collect what they are owed. Unfortunately when a person relies on commissions to collect money and certain companies encourage bending or even breaking the rules, the whole industry gets a bad name. I am spoke with a consumer advocate attorney in length a few times and he was well aware of the fact that some collection agencies play the odds of getting sued as part of the cost of doing business. Kudos to you and your company for being an exception. Please post a new thread if you want explaining your position. You may get a couple of bad remarks but for the most part we would support you.

Sub: #148 posted on Mon, 02/21/2011 - 16:31

Frogpatch Frogpatch
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(Posts: 5382 | Credits: )

Shame on You - You said you borrowed 200.00 then in the next sentence you said you arent going to pay back the loan OR THE INTEREST YOU OWE AND YOU NEVER INTENDED TO ! By the way thats fraud - You MY FRIEND ARE ONE OF THE DEADBEATS!!!
There ARE actually people out there who have fallen on bad times and ARE TRYING TO PAY THEIR BILLS - YOU MAKE IT HARDER TO BELIEVE AND HELP THEM !!!!!!


Sub: #149 posted on Tue, 02/22/2011 - 05:49


um not exactly.she said she borrowed 200.00 and they were harrassing her for mention of anything or nothing being debited by this please keep the talk of deadbeats,and fraud to yourself next time.

Sub: #150 posted on Tue, 02/22/2011 - 06:20

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15514 | Credits: )

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