Encore Receivable Management is harassing me. How to stop them?

this collection agency is a joke they call at least 10 times and harrass the crap out of you someone please sue the shit out of them.

i did.

im not yet trained but im about to be part of the company (ENCORE)... while reading this testimonials from you guys, it seems to me that i dont want to continue anymore with my training and doesn't want to be involved in this business...

000-000-0000 or Unavailable aka 888-785-7719 8/22/2009 Nisha Johnson, collection center.

********FIGHT BACK*************

I sent FIA a Cease & Desist letter on 8/17/2009. My cell phone documents them calling from 7am to 12:15 am. They call 5-12 times per day. They have continued to phone even after they received my letter on 8/19/2009. I have a postal receit and have contacted an attorney.
***Here is the Cease & Desist verbage***

In addition to these issues, since August 10, 2009, FIA, BofA and or it???s collection partners have phoned me repeatedly and continuously as many times as 12 times per day with auto dialers and person to person phone calls, asking the same questions without regard to previous conversations. The FDCPA considers repeat calls as harassment. [15 USC 1692d] 806(5)

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist all telephone communication with me, any 3rd parities, as well as my family, friends and places of employment I may have in the future, in relation to this and all other alleged debts you claim I owe.

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the California Attorney General???s office. Civil and criminal claims will be pursued

Encore collection agency has been calling for over a week for someone that we do not even know. We have told them this time and time again and they continue to call. When we try to explain this to the representative they get rude or just hang up. Have tried to speak with their supervisor and they ask why you want to talk to the sup and then just hang up.

you can call this number Encore Receivable Management
400 N Rogers Rd
Olathe, KS 66062-1212
(913) 393-5100

and encore will place you on a do not call list it is only supposed to take 48 hours we will see if its true

You have to send them the Cease & Desist order in writing for it to be enforceable.

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These jerks are calling for someone who is not listed on my phone number, does not have the same last name, and has not owned this number for at least 8 years. My solution is two fold.

1. I have filed two complaints with the FCC and will continue to do so for each call received from now on.

2. I will call their 866 number twice a day until I no longer hear from the. No, I'm not talking to them. I just wait until their operator comes on, realizes I am not speaking, and disconnects. WHY? Because they are having to pay for these calls.

They want to harass me. I'll spend their money.

Send them a Cease & Desist letter.

I am a collections agent from ENCORE. By now, all of you must've realized how LEGAL, FAIR and RELIABLE Encore is, basically because we still EXIST! Delinquent accounts needs to be paid the soonest time possible since the moment customers signed a contract for a certain credit line, it implies all the obligations and responsibilities of paying it up to the last cent. Please don't be mislead by debt consolidation, none of it is helping you. At the end of the day, it is still you who pays your debt, we are just here to help you out hasten that payment that you might have forgotten or deliberately evaded for that matter. Point is, GET YOUR BILLS PAID!

We do acknowledge a Cease and Desist Letter to stop "annoying calls" but if I were you, I'd face my problem and not hide from it. Harassment is considered as such if the person feels that way. Feel free to talk to us expressing your concern, tell us the reason past due and I'm sure we could come up with a solution to that problem, seek options for your delinquent account, we have a lot of those. We understand if you're filing for Bankruptcy give us the information of your attorney. Its easy! You don't need to feel harassed, agents at ENCORE are very well trained and highly knowledgeable of FDCPA.

oh please,if anyone at ENCORE is versed in the FDCPA.then why don't you follow it instead of comming on here like your on the phone,and lying.ENCORE is a bottomfeeder.BOTTOM LINE!!!!!!!!!!!!!!!!!!

shillin,shillin,shillin.keep them shills a shillin.

TO:PAULMERGEL

YOU'RE RIGHT! I WIL ADHERE TO FDCPA... AND GET THE HELL OUTA HERE.
I HOPE YOU DO THE SAME THING...
HERE GOES MY PARKING WORDS..(UHMM...)

I HOPE YOUR TAG LINE " giving hope to the hopeless,help to the helpless,and hap to the hapless." IS INDEED TRUE AND NOT JUST MILKING THE HECK OUT OF YOUR PITIFUL CUSTOMERS. I KNOW FOR A FACT HOW A DEBT CONSOLIDATION WORKS MR.MERGEL. BUT SINCE I'M JUST HERE FOR CLARIFICATION,I'LL GIVE YOUR CUSTOMERS THE BENEFIT OF A DOUBT. ITS UP FOR THEM TO KNOW IN DEPTH WHAT IS REALLY BEHIND A DEBT CONSOLIDATION BUSINESS!

GOOD DAY!
AND THANK YOU VERY MUCH!

i work for a buisness that has nothing to do with the debt relief business shill.i do this because two and half years ago i was in the same boat.others helped me as i am helping.nobody works for vikas,or this site.the yelling is par for the course with a shill.which is what you do best at good old ENCORE.in regards to my sig.you want some hap?because ENCORE thanks to this site looks real hapless.

So I am getting these calls, I assumed it was because another company was using scare tactics on me and instead of reporting them to the FDCPA I reported them to my good-ole boy sheriff. The calls stopped, than these started, coming from 000-000-0000. Now I am behind on a couple cc's but am dealing with the company GE Money or will when my time is up apparently they can't help until you are 90 or 120 days past due even when you try to tell them unless they lower the payments you won't be able to make them. In any case these jokesters call alot , and I think I will mail a cease and decist order to them, course I know exactly where they are out off, lets hope they listen to this one. I have enough to deal with due to ill children I won't take this crap anymore I figure my credit is in the crapper been to jail before so if they want they can come get it, just be ready for the consequences. I believe all americans should just stop paying and use their hard cash for their transactions from now on. If credit card companies are getting bailed out why do we have to pay them twice?

you're an idiot.
i get call after call with no message left, and when i pick up the phone before it goes to VM, no one speaks. Since I don't own anyone anything, and because I have gotten other collection calls on this line for the person who used to have the number, I KNOW they are calling me in error. But they are too stupid and obnoxious to even give me a way to TELL THEM THAT!!

You should know that when you plug your fax machine or play obnoxious sounds you are not annoying anyone, as calls are generated by a computer program. A collections agent picks up a call from the queue ONLY when a voice answers the call.
Otherwise, some of the comments posted here are very innocent from people that have not taken the time to read ANY of the federal laws governing debt collection. On the other hand half of the violations to federal debt collection laws by debt collectors are a product of either lazyness or mediocrity in the actual individual collector, while the other half is a product of corporate policy governed by greed.

Encore has been calling me at all hours of the day and night . The person they are trying to reach does'nt even live in my home.I,ve explained this to them, and they still keep calling. I do know that this is illegal,as I neither cosigned,nor was I used as a referance. Please stop the calls. You are interupting my sleep. I have none of my creditors calling me. and i do not appreciate your calls.

Encore has repeatedly called us and we have no delinquent accounts and the name that they are looking for is not even close to ours, yet they persist.

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I started receiving calls from an unknown number about a month ago. I knew it was a collections agency, I have a large amount of medical bills from med. problems while uninsured, student loans, car payment, rent, etc., as well as only making a quarter of what I made 2 years ago because of the bum economy. I try my best to pay all of my bills on time, but sometimes it's absolutely impossible. Now Encore is calling me. I know this only because I finally got a person on the other end and was able to obtain who they were, what account they were calling about, and an address. Now, here's the fun part. I have been receiving up to 20 calls PER DAY, many before the 8am limit. I have never received anything in writing from them, and when I last checked, the account they are calling about, while behind, is still listed with GE as something they are working with. I am definately a person who wants to pay my bills, and is very willing to work with creditors to fix things, but this is getting rediculous. I am preparing to send a debt validation letter (to verify these are the people who are supposed to be collecting this debt) and a cease and desist letter to stop the insesant calls. After this, what do I do next?

I had a letter from encore and the number that was on it was 888-785-0029 hope this helps o and the address is: Encore receivable management, inc. po box 3330-olathe, ks 66063-3330

Don't try calling the Kansas office, you will just get a security guard who will give you the call center number in the Philippines, 866-247-1087, and it just gets more frustrating from there.

I had a cc charge off after I asked the company to be put on a no call list and that I would pay as soon as I am able to do so. Soon afterward I got a call from Encore Re. and they acted like they were the cc company who I had previously dealt with. They asked me to verify my info address, last 4 digits of ss, etc. they said they will reduce the amount of debt to help me out if they could after I answer a few questions. I thought they were legit cc company and like a dumbarzz I answered them. The next day I received a letter to pay such and such to Encore...then I realized that is who called me. Now what ? do they have the info they need? What should I expect next??????????????

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Encore is the most rude company in the world. They did not answer the phone and when I did get them, they yelled and screamed and NOT professional at all. They told me I owed $29.50 from Dec 2009 and now because of late fees and interest, I owe $89.23!!! But they couldn't tell me what I bought, where I bought it or when I bought it....
Just pay it..... I will not.....Not til they send documentation....They have idiots working for them...

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Our office used to have a Capital One section too...and yes, payments were sent directly to capital one AND to our office. If could be done either way.

i work for them before but just recently resigned because of proximity, anyway please bear with encore rmi because they are using automatic dialer, they do not intend to harass or to annoy you. just a bit of advice please do not immediately hang up the phone after answering one to two hellos, give them enough time to give you feedback, we feel the same thing when you say hello and then immediately hang up, if you are annoyed so we do, remember, you are the one who owns money from our client if you do not want to be called then better to straighten up all your credits. Again i'm no longer with encore but i just want to help them and for you guys to understand that we are not really harassing you instead its the other way around.

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They have been calling me and leaving computerized voicemails.
When I cvall the # back that they leave for me it is always busy.

Why is it so hard for you people to understand if you owe someone money, telling them to ceast and desist is not going to work. They don't have to. I've been a bill collector and i've looked up the laws. Stop trying to get out of your debts by sending a stupid letter. All the accounts Encore gets are from real companies and banks that you owe money to. I quit my job because I felt too bad collecting from people who can't afford it. But they are just doing their jobs and you are just trying to get out of you responsibilities.

Sending a cease and desist in writing stops the harassment and violations that CA's like Encore commit. And IN WRITING does or should work...otherwise you have an FDCPA violation and the debtor can then collect from the CA.

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Ok I personally handle collection agencies on a daily basis. I just want to clear a couple of things up here.. Do not send them a cease and desist because that leaves them no opportunity to collect and they will accelerate legal action to garnishments or liens. Secondly, Encore is a 3rd party collection agency, meaning that they are past the 1st party collections where they are professional and hold your hand. If your account is now in 3rd party collections, then you are likely to get 3rd party treatment. Either way, do not file a cease and desist unless you plan to file for bankruptcy which is costly. I suggest just not answering the phone>>? I know for a fact that they will speed up legal collection process when they have no room for calls anymore! trust me...

You have no business coming here to "clear up" anything. Why would anyone take your word for anything. You have come here trying to make your job easier by lying to people thats all.
You need to stop really.
You really shouldn't be leaving "instructions" for people to stop sending requests for validation because you are telling them that they should not avail themselves of an action that is legally available to them. I suspect that you still work for a collector or you wouldn't be here. If it was to become available who you work for or if someone could figure it out you could be in trouble for trying to dissuade someone from a legal option they have.

I'm tired of bill collectors coming here and attempting to shame and/or browbeat someone into compliance. You have no right or authority to get angry or abusive because your job is to do collections. If you don't want to do it and if you can't do it without abuse people then you should quit your job. Its not anyone's obligation to make your job easier. You get paid for doing your job, we don't get paid to make your life easier.

A.D. Replied on 10-09-2009, 08:50 PM
[URL="http://www.debtconsolidationcare.com/forums/newreply.php?do=newreply&p=482169"][/URL]

Sub: #[URL="http://www.debtconsolidationcare.com/forums/showpost.php?p=482169&postcount=512"]512[/URL]
I am a collections agent from ENCORE. By now, all of you must've realized how LEGAL, FAIR and RELIABLE Encore is, basically because we still EXIST! Delinquent accounts needs to be paid the soonest time possible since the moment customers signed a contract for a certain credit line, it implies all the obligations and responsibilities of paying it up to the last cent. Please don't be mislead by debt consolidation, none of it is helping you. At the end of the day, it is still you who pays your debt, we are just here to help you out hasten that payment that you might have forgotten or deliberately evaded for that matter. Point is, GET YOUR BILLS PAID!


Oh, that's funny you coming here and saying how legal and ethical you people are. I guess you missed the news from Washington State.

You should check the link in my next post below after this one dated 10/18/2010.

It appears you came here to make your job easier by scolding people and browbeating them into paying debts that you probably have no right to. What gives you the nerve to come here and lecture anyone. you need a lecture about getting a job for an honest company that doesn't try to cheat people out of their money or to intimidate them into "cooperating" with you. If your job is too hard then quit it. No one makes you do it. Stop using this place to spread your propaganda and lies please. :-P

Sorry gretchen but this collector gave totally VALID information and did NOT lecture anyone. Whether you like it or not, being a collector and working in a collection agency is a job and debts have to paid. Encore is a 3rd party agency...not a junk debt buyer and debts are being worked on behalf of the creditor. The majority of debts in collection agencies are valid debt and should be paid.

[INDENT][SIZE=3][COLOR=indigo]Sorry SoapLady, Encore is a part of the Midland Funding / Midland Credit Management chain. I speak from personal experience. As a matter of fact, Encore/Midland is now the subject of a class action lawsuit specifically for the fraudulent affidavits. [/COLOR][/SIZE]
[/INDENT]
SL, how do you defend your allegations that Encore is a totally reputable company whose "DEBTS HAVE TO BE PAID? Your statements and the latest news seem to contradict each other.

Telling people that they should pay their debts in spite of the fact that many of these claims for payment are made using fraudulently signed affidavits sounds like lecturing and scolding to me. :o

If the majority of these debts were valid they would not be resorting to the use of the fraudulent and deceptive affidavits where are the subject of this lawsuit.

http://www.courthousenews.com/2010/11/15/31828.htm


"It is made to appear to the state court judges that the debt records filed with the court were attached to the affidavit by the affiant. This is not true. The affidavits are signed in Minnesota by a Midland Credit Management (a licensed collection agency) employee. Only the two (2) page affidavit is shipped to the Suttell Law Firm in Bellevue Washington. A non-attorney Suttell employee sometime later, as needed, selects and attaches documents to the 'business records affidavit' to send to the court for filing whenever a default or summary judgment motion is required. The court is lead to believe that the affiant has authenticated and established the reliability of the records but the affiant does not even know what records will be later attached to the affidavit by the Suttell employees." (Parentheses in complaint.)

The complaint adds: "The affidavit is printed on a printer at the desk of a randomly selected MCMI employee, employed in St. Cloud, Minnesota. The person selected to sign the affidavit is based upon when the affidavit comes off the printer and which printer rather than any personal knowledge of the affiant of the account being collected."

The class claims that each "legal specialist" signs 100 to 400 affidavits a day. One specialist who swore she had personal knowledge that "the plaintiff's predecessor in interest sold and assigned all right, title and interest" did not "have any personal knowledge of who the plaintiff, Midland Funding LLC's predecessor in interest was or even know what a 'predecessor in interest' was, nor what it means to have 'sold and assign all right title and interest,'" according to the complaint.
The class claims that Encore developed its business using a sophisticated process that predicts the behavior of consumers.
Defendant Midland Funding is wholly owned by defendant Midland Portfolio Service, which is owned by defendant Midland Credit Management, which is owned by defendant Encore Capitol Group, which is a publicly owned corporation that trades on the NASDAQ under the symbol ECPG, according to the complaint. All work out of the same address in San Diego.
Defendants are Mark Case, Malisa Gurule, Karen Hammer, Isaac Hammer and William Suttell are all attorneys in Washington state, and all are employees of Suttell & Hammer, the complaint states.
The class claims false affidavits were "served and filed in thousands of cases," in violation of the Fair Debt Collection Practices Act, the Washington Consumer Protection Act and the Washington Collection Agency Act.
The class seeks treble damages, disgorgement of interest, service charges, attorneys' fees, collection costs, delinquency charges or any other fees collected by the defendants, and injunctive relief.

The class is represented by Michael Kinkley of Spokane. "

I have a suggestion for the debt collectors who say they are tired of reading about it from people who don't pay their bills. Just quit reading, that's easy, give it a try! To suggest that people pay any bill they receive just to make your life more comfortable is a silly idea IMO. There could be lots of reasons people don't pay that you are unaware of.:grin:

Is it really that bad----from the training i am getting the things i am reading are just the opposite of what i am being told in my training class----i am a new employee.... Never wanted to this type of job but with the economy the way it is you do what you must do as long as it is legal.....

As long as you brought it up, the "as long as its legal" thing.

Guess what? IT'S NOT! IT'S FRAUD, deal with it. If you want to work for a company whose business is built on fraud you're in the right place. However, when the ax falls on you, don't be surprised.

This is just one of a few links to information which will show that employees are required to and/or choose to engage in fraudulent activity. This is not the only case for Midland / Encore et al. :rolleyes:


http://www.courthousenews.com/2010/11/15/31828.htm

yes'' a few years ago encore called me all day and night long holladaysm thansgiving, christmas, new years eve, day you name it they did it. encore is a third party reverseable management and ILLEGAL. they set up fraudulent credit cards in some name who never heard of them. they drove crazy for fore months. there gole is to make around several thousend and million to reach there goal and all of it is FRAUD.
they also go after old accounts 7 to 11 to 14 years old. in 07, qvc scam me they kept me in a payment cycle that i already had payed in full and whrn i cought on to qvc, i quite paying and reported them. qvc hired encore to harrase and torment me for fore months. THEY LOST. they wasted there time. they say right on there web site, they will torment you to scam you. THERE ILLEGAL!. YOU MUST REPORT THEM TO THE FTC./ FEDERAL TRADE COMMISON. 1877 382-4357. type in call dept collection. there are lots of them today and they will stop them for once and all FREE.
you get $1000. they they get there share from the debt collecter. not' from you.
MAKE THEM PAY YOU AND THEY WILL LEAVE YOU ALONE.

This company calls me multiple times a day. Never when I am home, oddly. They call when most normal humans are "at work"

They are calling for someone at MY number that cannot have had this number for at least 11 years. ELEVEN YEARS. So, my voice-mail is clogged with calls for someone that IS NOT ME.

They have a stale account.

When I call the number that they leave, it is never answered.

How do I get these a$$h4ts to f*ck off?

No one is trying to get out of paying their debts, we are mostly trying to get out of being scammed but dumb ass debt collectors who think we are all dumb... If you ever try to defend those who continue to take from us more than they should. You should be ashame of yourself and remember one day the tables will turn. JERK!