Focus Recievable Management

Focus Receivables Management is a company that handles commercial and consumer collection services for businesses. Focus offers pre-collection letters, skip tracing, asset location, and customized reports. Target markets include the auto, financial services, retail, and telecommunication industries; clients include such big names as BellSouth, Chrysler, DIRECTV, Discover Financial Services, and Wachovia. Focus Receivables Management was founded in 2001 and operates offices in Marietta, Georgia, and Tampa, Florida,they sound legit,Im not sure why they would not want your money,and wanted checking account information seems odd,unless they want to try a debit you account.I would contact them a speak to a supervisor or manager,sometimes that does to trick.
Heres the contact information
Address: 1130 Northchase Pkwy., Ste. 150
Marietta, GA 30067
Phone: 678-228-0000
Fax: 678-228-0019

Do you have the details of this account in writing from them? You must get sure that this company is the one to receive money from you.

Don't give your personal information in any case before you see the accurate picture of your account. A legitimate business will open other payment options if you are reluctant to give your personal info.

If you find hard dealing with this agency, take some professional help. The experts know how to speak in their language and will make necessary arrangements on behalf of you.

I forgot to add,make sure this is the same company,there are alot of scammers out there using legit companys names.Like John,said ask for validation of the debt first in writing.

When I called them I did ask for an address in which to send the money order to and they refused to give it to me. Maybe I should contact the original company in which I owe or call this place back and ask for validation of the debt. Thank you for your advice.

You can definitely pay your creditor if they have assigned this collection agency to collect the debt from you. Explain the situation that the agency is failing to honor your debt validation request. They will make the necessary arrangements for you so that the account gets paid off. After it's paid, they will also report to the bureaus.

I have been on "hold" waiting for an operator for over an hour. Focus Receivable is taking out unauthorized withdrawls from my account and I can't seem to get ahold of anyone to correct this. I authorized 2 payments to be taken out to pay off a bill and today there was a withdrawl on my account for $4.95(electronic check). At NO TIME DID I AUTHORIZE THIS AMOUNT!!!!!This was NOT part of either payment and I DID NOT EVEN KNOW ABOUT THIS AMOUNT BEING TAKEN OUT!!!!!!I check my account daily and if they go ahead and take out unauthorized amounts, my account will be overdrawn. Since nobody seems to be taking phone calls-I will be calling the better business bureau. I worried about this when the arrangement was set up and asked repeatedly if this would happen and was told if it did THEY(focus receivable) would get in trouble. Would this be before OR after the overdraft charges??????

Hi celestialskye13, tell your bank about this withdrawal. They have the power to dispute the debits with the company. If nothing comes verified by Focus Receivable, the amount can be reverted back. You need to talk with your bank first. And, file a complaint with your AG's office if the debit is proven unauthorized.

I also called this company from my caller ID and soke with a John there. He requested personal inforamtion from me and I told him if he really needs the inforamtion he will write me on a company letterhead and I will respond the same way back to him. He told me could not do that and I told him if he can't then there is nothing we have to talk about and I hung up on him.

Do not give them your account number because they will debit your account unauthorized. My mom set up payment arrangments to be debited from her account on the 27th of sept. They took 4.95 as soon as they hung up the phone on th 8th of sept. And then took $25 on the 14th.of sept.. Because they took the money before they were supposed to , my mom had to pay 95.00 in overdrafts.

I agee with Arkansas. Do not ever give them your account info. I had an agreement with them and it was fine until July of this year. I was told by one of their employees that it wasnt good enough anymore and that I had to make a settlement. I could not due to my husband being in Iraq at the moment. I have 4 young children and only his income for us to live on. He stated that I had to pay a large amount and then could resume the payment arrangement I had been doing until my husband was home from Iraq. Well they took out more then they were supposed to on the 5th of September and it only left my with $69.00 in my account to live on for the rest of the month. I happen to bank at a very nice and friendly place and they have been so wonderful. Unfortunatly the way they take the money they couldnt refund it for me but they told me where I could go. The people at Focus had told me they could not do online bill pay that I had to either give them a debit card or my check info just like the KFK persons problem. They used random check numbers to take out the money from my account resulting in me being forced to close my account and reopen a new one. If you have problems with this place call or write to the department of financial institutions because what they are doing is illegal and they need stopped.

I talked to a person there and was told I could call in and make my payments with my bank debit card and it was all set up and then two days later someone else called and told me I had to give them my bank account informationn or they would persue it legally. It is for $148.00 & it is my final bill for direct tv. I got my final bill from direct tv three weeks ago???? Well any way I would not give him the information and he told me I would still receive calls paying the way I had discussed. after I hung up they called my home 36 times in 6 hours?????????? They need to be reported and the companies that use this agency and those companies need to give people a chance to pay their bills!!!!!!!

You aren't going to get sued for 148 bucks because it would cost them more to sue you than it would for them to just collect the debt.

Course that's just an opinion not a fact.

I am trying to pay a big debt that I am responsible for. The account is under my daughters name and co-signed by a family member. They have requested my bank account number, I told them that I would not give it to them. They then requested that I give them $1,500.00 by December 22, 2006. I can't pay that much. I have the feeling that they will not accept a monthly payment. What options do I have?. I do want to pay, but I cannot give them what they want and I do not want to borrow......

My advice would to send in what you can when you can.


As for payments being taken before an assigned date, I would get a lawyer.

They had te nerve to call my neighbor! She came over while on the phone & I listened to the call. They were asking if she was my neighbor, etc. She refused to give them any information telling them she sisn't know who they were or what it was bout etc, and they hung up. About 5 seconds later, they called here........3 times in 5 minutes. I called my lawyer and he said they are not allowed to contact anyone about a debt. And if I do talk to them, have them send me a detailed letter and he will handle it.
I was terrified that they would come to my house! Lawyer said he doubts that very much, but just in case that happens to call the police.
How can they get away with this harassment?

People, you all have encountered a debt in one way or another. Some of you acknowledge the fact and want to make it right. The MOST IMPORTANT THING TO REMEMBER IS THAT YOU ALL HAVE RIGHTS. Any kind of payment arrangements must be in writing. Make sure if you are making an effort to repay a debt, that the arrangement is in writing. You have the right and if these collectors are denying that right, then you request a validation of the debt. With all the identity theft out there, it is very dangerous giving out bank information over the phone or online. If these collectors are legit, they will respect your security. These collectors are aware of your rights. What they try and bank on is whether or not you realize your rights. When they realize you don't have a clue, they monopolize upon you. So educate yourselves with the laws that protect you from these people. As long as you are willing to take responsibility for your debt, they cannot take away your rights. If you need to make payment arrangements, then do it. If the collector is unwilling, then send them a letter,certified,with a request of what you can do to repay your debt. If they still don't want to negotiate, then go to court, if they pursue that avenue. At least you can demonstrate to the court, that you tried to make right the debt.

Marilyn, the only person a collector can contact is you or your lawyer. If they call a third party, they cannot discuss any matters of your debt. They can only ask general information as of your whereabouts. Nothing else. They cannot come to your house, unless it is someone trying to serve you for court. Your lawyer should know that as well. They cannot harass you like this. Document what is going on and file suit against them. Your lawyer probably has or should know what to do in this situation.

Do not give this company any of your information. I owed a debt and received a summons in the mail for a court date to persue garnishment of my wages. I didn't mind this because they can only take out 25% of my paycheck legally. I did not provide them with any personal information, but somehow they found it. On one day December 28, 2006 they debited my checking account and savings account in the amounts of $100.00; $139.62; $1915.47; and $91.43. I called them and they said it was some legal thing that the bank receives a summons to take the funds out of my account to pay the debt. The money is "frozen" until after the court date and if they are awarded the garnishment, then all the money goes to them. If they are not awarded the garnishment, then I get it back. I called them because I was very upset since I work on a 1099 basis - all that money that was in my savings account was to pay my taxes and now I have NO money left to pay my taxes when it's time. I have never heard of this and I dont know if it is legal what they are doing. They are also very rude since I told them that I would work with them to pay the debt and that they didn't have to just take it and he replied that if they told me then I would just take the money out of my account and they wouldn't get it. He also said that they have done this to people in the amount of $10,000.00 and the people called them crying because they couldn't pay their mortgage. This seems illegal to me but what could I do. On top of that...my bank is now charging me $100.00 for being made to deduct the funds from my account. This just does not seem right.

1. Do not give Focus your banking information. This can backfire on you many different ways.

2. If you want to pay the debt, send your payment directly to the original creditor. Bypass Focus. The original creditor will likely apply your payment to the account and you will eliminate the debt.

3. Document all Focus communications. Take your documentation to a consumer lawyer to see if you have a lawsuit against Focus for violation of the fdcpa and your state's consumer protection laws.

They are a less than professional name at best.

The company had called my phone, but never left a message.

When I called back according to their business hours, I had to wait over ten minutes before a recording came on to ask me to leave my name and phone number so they can call me back?

Eventually I was able to reach a live person several calls and several hours later. Gave them my phone so they can check their records. The young girl on the phone attempted to pronounce a name which doesn't remotely resemble mine. Then she gave up, and just said, the name sounds Oriental. All the while she can't even tell me what the name was.

Oriental is a rug, not people.

By law, once you send in a payment and they refuse it, you are no longer under obligation to pay that debt! So if they have refused your payment, you are off the hook. Let them know that you know this.

it's legal to call your neighbor and ask questions about you as far as where you live, where you work, and what your personal telephone number is.

it's also perfectly legal for any person to call your phone number and ask for a person who you don't know, whose name is hard to pronounce, or who they think might live with you. your response should be that you don't have any idea who that person is. if the calls drive you nuts, all you can do is exactly what you did do. call the company and tell them. don't be rude no matter how stupid the company rep is.. because the last thing you need is a dumb rep who doesn't remove the number from the computer list thing that is calling you. better to kill it kindly and get what you want, freedom from endless ringing.

if your payment is not accepted, it does not get you off the hook. if your payments are refused, put your payments in a shoebox until you have enough to pay it off. that's the smart thing to do. by then, maybe the debt collector will settle for less when paid in full- when if they had accepted payments you probably would have paid in full.

while you're at it.. record your phone conversations. if they swear at you, call you names, or threaten things they can't or don't intend to do.. then you can sue. debt collectors can imply you are a deadbeat, but they can't say it. they try to make you feel bad because it gets you to pay. in the end, if you aren't paying they really don't want to call you. they have to because it's their job, and they don't make much money, so they do what they're told to do. sometimes they find it funny how upset people get, or how people threaten to call a cop, or people threaten to call the BBB, or they threaten to sue. debt collectors know suing them is an empty threat, it would be easier to pay the bill than to sue. the calls continue. "do not call me on this number" is what the response should be.

keep in mind, it is a violation of the fdcpa to cause a consumer to incur more debt in the collection of a debt. overdrafts are a concern, calling you on your cell phone, calls at work that piss your boss off. these are things you need to tell them to not do as they happen. you are 1 in about 400 calls they make everyday. you aren't that important. don't give them a reason to want to harrass you by acting crazy on the phone.

I received a call today on my cell phone from a woman from this collection agency. When i ceased her from calling my cell phone she threaten to keep calling. She kept talking over me. Focus -- you get more with honey than you do bees. I am a debt collector -- I do know the laws -- watch it or watch yourself in court

this is in response to
celestialskye13

this company did me the same way I payed $10 as a one time charge then I told them I would call them backon the 31st of july to pay the remaining balance on the account. I did not have the funds in the account so I didn't call. But they took the remaining balance out of my account anyway which added an overdraft charge on that account. I called constantly and did not get any help from anyone from this company. the location of the company I was talking to was in Marietta, Ga. I spoke with a manager named mark then a supervisor named Ms. Lewis (which I originally made the arrangement with who denied everything) and then they gave me their supervisors number Mr. Peterson and he NEVER answered his phone so they played the run around with me. So I went to my bank and closed the visa account they had on file so no more charges will be taken out. But I don't know if this company is legit or not but I will definitly find out. They are very non professional and very rude.
But I want answers and I will get them.

I just got a call today from this same company. The agent calling had a terrible attitude so I told her that the person she was looking for was not available, so she exclaimed "gosh" and hung up. WOW! such professionalism. It's sounded fishy to me so I googled their name and came across this site along with googling them I did a "Reverse number lookup" in MSN White Pages and the town they list this number under is Jonesboro, GA Clayton County. I have experience Fraud before with people calling under so called legit company names. I have become verify paranoid about these kind of things. So before I got giving someone my account I will exhaust all my resources to confirm that they are legit. You don't want to give them any friends or family member accnt info and then have them go and empty out their account.

I would continue to read more on them before I make any steps in contacting them.

is there a way to find out how much they paid for your debt.

There is an agency that ALL collection agencys answer to. The Federal Trade Commission. You are protected from such acts, as the agency taking out money
from your account. Do not agree to any payment arrangement without it being in writing. get a copy of the fair debt collection practises act from the Federal Trade Commission and educate yourselfs!

Any person that can possibly spread the word about how quickly Direct TV turns their customers over to one of the the most unethical, inhuman collection offices... make it known to others any way that you can. If you work in any form of media, newspapers, small town radio or tv, let people know. It should be investigated to see just exactly what the business relationship between Direct and Focus is and brought to light in the mainstream media...so people think twice about starting an account with Direct TV. This is as much a scam as most of the stories that CBS Sixty Minutes has ever investigated..!!! :twisted: [left][/left]

i got a call from focus receivables today and the man said he was calling from the new mexico office ofcourse he wouldn't give me an address so i could send them a cease and decist letter but i can't find that address :evil:

Focus is harrassing anyone who will allow it. If you do some research online you will see they clearly dont follow the Fair Debt Collection Act...they call us about 10 times a day, sometimes 2 or 3 times in just minutes. start recording all of it. There is help too...atty's that will help you if you've got a good case against them 866-775-3666 give them a call...it doesnt cost you a thing because they will charge the company for all fees! Check it out! Isn't it funny how sooooo many people dont get the letters they supposedly mailed out too...totally rude people too. hope this helps!

I kept getting phone calls leaving me messages to call back a number and they were asking for someone I didnt even know. I finally called back the number and when I told them I didnt know the person and the customer service person hung up on me. They continued to call my house twice a day asking for a person named Jennifer and to call the number they provided. I called again and let them know I was on the no call list and the F$$kers hung up on me again. I have made a complaint on my states nocall list website with this ignorant company. Now when I try to call the number it automatically disconnect the call. I hope they get fined big time.

Just send them the money order anyway. They can not refuse to accept a payment from you. Check with a lawyer, some give free consultations, and they will tell you the same. You are trying to pay a debt and they can not refuse payment.

These people call all the time and it is amazing how when you pick up you can hear background noise but they do not answer you. Then the phone goes to a busy signal. I called them back and they would tell me to wait one minute and suddenly I was again listening to a rapid busy signal. After 5 calls they had the nerve to tell me that it is my phone. I am in bankrupcy and they still keep calling to discuss the debt and that is illegal. When I tell them they quickly hang up. Such stupid rude people.

Next time they call you (or you can call them) give them your attorney's name and contact information. Once they have it they are bound by law to contact only your attorney.

thank you for all the reports on this company. I have been receiving phone calls from this company, always when I'm not home. I have no outstanding bills, just did all three credit reports. Last month I talked to a rep and denied any responsiblity. I would not give them any info, not even an address (shouldn't they have my address, if it's legit?). Finally, after i got pretty mad, the rep said she was looking for someone else. Now the phone calls have started again. I'll call them once more and tell them to stop or I'll contact our state attorney general.

Send them a cease and desist letter, cm/rrr. After they get that, they are bound by law to stop calling.

I just found out that Focus was put on my Experian (and maybe the others as well, I haven't checked them in a month or so) report as of 5/1/08 for our last DirecTV bill that we haven't paid. I assumed we'd have a few months to pay it and we probably did, I didn't realize how long ago we had cancelled our DirecTV! So even though I do owe the debt, should I still send them a debt validation letter? Or should I just find a way to pay it now and try to bargain for a deletion from my credit reports?

Always do the DV letter, it is your protection against scam companies that buy settled debts.

Then call them and offer payment (do not agree to pay until they agree to take it off your credit, and record the call)

Do I wait to receive the offer in writing before I pay them?

And can I insist on sending a check or money order? I don't like to give credit card info over the phone.

Yes on both questions. You can request that they email you the written offer, tell them it will expedite the process. Do not send them a check, only ever send them a money order. I may be paranoid, but once they have your check, they have your account information. Unscrupulous (and what CA's aren't?) companies can then turn around and use that to generate an electronic check to take the money they want from your bank. I have even gone so far as to pay extra to get a money order from a Currency Exchange, the USPS, or a different bank (mine gives them free to account holders), because I don't want them to even know where I bank (they may be able to bribe someone in the bank's system to give them the account info).

Like I said, paranoid...

I like to say "careful" ... not paranoid!

Just because I'm paranoid, doesn't mean they aren't out to get me!

Stop F-ing Calling please, I do not know where you got your sources, but should one call again, stating for me to give my information an a "Debt" that is bullshit, I will call the FCC, and FBI for Froud.

Follow up on my Focus interactions ... I sent a debt validation letter to Focus, no response, disputed to all 3 credit reporting agencies and Focus was removed from all 3 of them within a few days. Still no contact from Focus, and no new action from any new companies on my credit file either. Eeeriiiiieeee!

We have no delinquent accounts. There is no reason for you to be calling us.

Evenin' Guest -

We are not Focus Receivable Management, nor are we associated with them in any way whatsoever. We are an online community of consumer advocates whose purpose is to help people get a handle on financial problems.

If Focus is calling you for an account that you're certain is not yours, step one is to tell tham that on the phone, and ask that they remove your number from their database.

If that doesn't work, step two is to send them a cease-and-desist letter, advising them not to contact you at all, for any reason. Send it certified mail, return receipt requested, and keep the little green card you get back as proof that they got it. You may need it for step three, which is legal action if needed.

Have a pleasant evening.

I receive calls about 2x/ day from this co. And now I receive a letter from them. I never return call to them cause I am waiting for the debt management Co. we signed to help negotiate our accounts. Is it okay to send them a letter to acknowledge that I receive the letter and their calls and let them, know that we have enrolled in this debt management program. This might stop them to contact us further.

This is typical for such companies. We as consumers must educate ourselves. For the person who they refuse to take a money order, send it and see it they return it. If they return the payment, this is the point you definitiely contact an attorney. Unless, the law has recently changed, if a company refuses payment, you no longer owe the bill. Also, in my experiences, I have never paid a collection agency. Although the accounts were referred to the agency, I dealt only with the company itself. I continued to get the phone calls with the serious threats, however, it is all just a lot of hot air. These companies are out to make what little money off of these accounts that they can. That is why the bills are more than the amount indicated by the original company. The collection company will lose money if they take you to court. And never give them your personal information. These companies do not hire the best people in that they do not pay their people a descent wage and rarely ever offer any benefits.

Calling your neighbor was a form of skiptracing which resulted in a last resort if they were unable to contact you via telephone or thru mail or if you failed to respond to letters or telephone calls. All collection agencies reserves the right to contact a third party to assist them with the collection of your account..however; they do not have the right to discuss your debt with a third party without your permission. They are only to leave their name and phone number with the third party (neighbor, relative, co-worker) and the name of the company, if asked.

I work for a collection agency and i hate it, but i am familiar with the procedures.

hows about if the third party gives you the contact info.then you are no longer allowed to call them.that is the FDCPA.only a bottomfeeder will continue to call after that.