Getting Calls from Collection Agencies is not the End of the World
Dealing with a Collection Agency is not a fun proposition if you are not aware of your rights. Allowing them to intimidate you and place you on the defensive is the exact goal that they are trying to achieve when they call you.
How you deal with them may determine your piece of mind and your near term financial future. Being in collections is not a detrimental state that they would like you to believe it is when you speak with the phone drones at collection agencies.
How you and they proceed after your first contact with them can make all of the difference in the world to you. Believe it or not you may can actually benefit from contact with collection agencies.
This is the table of contents for a online tool for you to use to help deal with collection agencies. If you follow this guide you will learn your rights and not be victimized any longer by a collection agency.
First Things First
dont allow yourself to become a victim.....
Many times our your first contact with a collection agency will be over the phone at home or work. How you handle these interactions will determine how a collection agency will contact you in the future and help restore your piece of mind.
- Do not talk to them on the phone, unless you are adept with dealing with them. There is nothing that says you have to talk to them. It is your phone you can choose who to talk to. Be polite but firm and tell them it is an inconvenient time for you to talk and hang up. If they call you back immediately it is harassment.
- They are not allowed to call you at work if you tell them not to. This does not have to be in writing. All you have to do is tell them you are not allowed to receive these types of calls at work and they must stop.
Know Your Rights
The Fair Debt Collection Practices Act to the Rescue
The Fair Debt Collection Practices Act (FDCPA) makes collection agency harassment illegal and them calling you after you tell them not to at home or work is harassment.Here is what the FDCPA says about it:
§ 806. Harassment or abuse [15 USC 1692d]
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
and
§ 805. Communication in connection with debt collection [15 USC 1692c]
(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -
(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location;
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Who is to tell you when it is convenient to receive phone calls. It is never convenient to receive a call for a collection agency and you can tell them that. Simply say it inconvenient to talk on the phone. You will call them back when it is more convenient and hang up.
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(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or
(3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication.
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Receiving calls while you are working is both inconvenient and against the rules at most employers tell them you are not allowed to receive call at work and hang up.
They cannot contact anyone else to locate you
if they know how to get in touch with you.
One of the shadiest tricks that collection agencies will try to employ is to contact your neighbors, friends and family to get messages to you.
This is a violation of the FDCPA for them to contact anyone if they know how to reach you. It is also a violation of the FDCPA if they don't know how to get in contact with you if they tell the people they contact they are from a collection agency.
Watch this short video it will show you for the most part collection agencies do not wish to play by the rules. They know what it takes to get people unaware of their rights to pay up. See how they blantantly don't mind breaking the law.
This is a violation of the FDCPA for them to contact anyone if they know how to reach you. It is also a violation of the FDCPA if they don't know how to get in contact with you if they tell the people they contact they are from a collection agency.
Watch this short video it will show you for the most part collection agencies do not wish to play by the rules. They know what it takes to get people unaware of their rights to pay up. See how they blantantly don't mind breaking the law.
Collection Agency
Debt collectors describe how they do their jobs--and why they prefer calling your relatives and neighbors!
Runtime: 0:40
45482 views
10 Comments:
What the Fair Debt Collection Practices Act Says About this Conduct.
§ 805. Communication in connection with debt collection [15 USC 1692c]
(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
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Basically this says that if they take the time to pull your credit and have your address or have ever been in contact with you over the phone they are not allowed to contact neighbors and family to figure out how to reach you or leave messages.
(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
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Basically this says that if they take the time to pull your credit and have your address or have ever been in contact with you over the phone they are not allowed to contact neighbors and family to figure out how to reach you or leave messages.
Maxed out ....
This is a earth shaking documentary on the state of the union and the financial services industry. The trailer above is from Maxed Out
Maxed Out
Amazon Price: $14.49 (as of 07/14/2009) 
- America's Dumbest Collection Agent
- Meet Americas Dumbest Collection Agent. Listen to her try to denigrate a consumer and show her stupidity at the same time
- The Fair Debt Collection Practices Act
- THE FAIR DEBT COLLECTION PRACTICES ACT
As amended by Public Law 104-208, 110 Stat. 3009 (Sept.
30, 1996)To amend the Consumer Credit Protection Act to prohibit abusive practices
by debt collectors.
Be it enacted by the Senate and House of Represent - FBCS Collection Breaks the Law
- The Dumbest Collector in America works for FBCS Collection. Watch a consumer hold them accountable.
Collection Agencies to Avoid
Taken from BuddHibbs.com
Mr Hibbs has a large list of collection agencies to avoid. If you are dealing with any of the agencies below be extremely careful.
1-866-857-3916
Academy Collections
Account Management Services
Account Solutions Group
AFNI Anderson Financial Network, Inc.
AGRM, LLC
AIS Services, LLC
Alegis Group, LP/Sherman Financial Group aka LVNV Funding, LLC
All American Financial Associates
All Debt Traders, LLC
Allen, Lewis & Associates, Inc
Alliance One, Inc
Allied Interstate, Inc.
Allstate Financial Services dba Allstate Adjustment Bureau
Aman Collection Service
American Acceptance
American Coradius, Inc.
American Credit Collections, LLC,
American Debt Services
American Legal Recovery
Ameriquest Recovery Services
AM Mortgage Brokers
AMO Recoveries
Anchor Receivables Management
Ariel Financial Services
Arrow Financial Services
Ascent Card Services, LLC
Asta Funding
Asset Acceptance Corp.
Atlantic Credit & Finance
Aurora, Gold & Associates, LLC
Baker, Lawrence, Attorney
Barnes, Curtis, O. Con-America
Bamford, Thomas K./Elder, Timothy L.
Bass and Associates
Baumann Law Firm
Bay Area Credit Services
Bennett & DeLoney, PC.
Blatt, Hasenmiller, Leibsker & Moore
Booth and Associates
Booska, Steven A.
Bronson & Migliaccio, LLP
Buffaloe & Associates, Lawyers
Burgess, Douglas R.
Burak, Donald S. Attorney
The Bureaus, Inc.
Burke, Edward T. & Assoc, P.C.
Brachfeld & Associates, P.C.
Brumbaugh & Quandahl
CACV aka CACH, LLC
C. Barry & Associates, LLC
Caferella, Jason J., Attorney
California Financial Credit Association
Cambece, James A. aka/Tough Tony
Capital Management Services
Capital Recovery Services Group
Cavalry Portfolio Services, LLC
Check and Merchant Services
Civil Claims Asset Investigative Services
Client Services, Inc.
Cohen & Slamowitz, LLP
CMC Recovery Services, Inc.
Collect America, CACV aka CACH, LLC
Collect Corp Inc
Collectech Systems, Inc.
Collins Law Office
Colonial Credit Corporation
Commonwealth Financial Systems
Consumer Credit Association
Consumer Recovery Associates
Continental Credit
Convergys
Corbett Law Office - Patrick Michael
Costal Asset Management Group
CPS Investigations
Credit Collection Service
Credit One, LLC
Credit Services, FAIC
Credit Systems International
Credit Recovery, dba as Boivin, Lawrence R., Lawyer
Creditors Financial Group
Creditors Interchange Rcvble Mgmt, LLC
CRS Capital Recovery Services
CSGA. LLC
C. Water Recoveries Also see www.giovelawofficeexposed.com
Daniels & Norelli, P.C. (Con America)
DeJana, Richard
Delta Group aka Joseph, Ortiz & Epstein, LLC
DeLoney Law Group, PLLC
Dendy, Michael D.
DMG Consulting
Ebbets Partners
Elder, Timothy L./Barnford, Thomas K
Elite Recovery Services, Inc.
Ellis Crosby and Associates
Empire Recovery Group
Encore Capital Group
Encore Receivable Management
Endeavor Financial Partners, LLC
ER Solutions
Eskanos & Adler, PC
Estate Recoveries
Evans Law Offices
Financial Credit Services
FBCS Federal Bond & Collection Service
Federal Credit Recovery/FCR Offices
First American Investment Corporation
First Revenue Assurance
FNBM, LLC
Genesis Financial Corp.
Go-More Financial, Inc.
GC Services
Gemini Recoveries, Inc.
Giove Law Office, P.C.
Global Acceptance Credit Company (GACC)
Global Vantedge
Goggins & Lavintman, PA
Gulf State Credit
Great Seneca Financial Corp.
Greenberg & Associates
Greenman and Donahue, Inc.
Gurstel, Staloch & Cargo
Hanna, Frederick J. & Assoc.
Harker, John W. CACV
Harris & Dial, PC
Harrison Ross Byck, Esq.
Hosto and Buchan
Houston Funding Corp.
Hudson & Keyse, LLC
Hull & Associates, P.C.
Integrity Resolution Group, LLC
Javitch, Block & Rathbone LLP
Jefferson Capital Systems
Joseph, Ortiz & Epstein, LLC aka Delta Group
Kay, Mitchell N., P.C.
Kretschman, Brenda Lee
The Law Center
Lang, Richert & Patch
LDG Financial ServicesII, LLC
Leading Edge Recovery Solutions
Leasecomm Corporation
Legal Recovery Services, Inc.
Lenahan Law Offices CLOSED, but still operating see www.giovelawofficeexposed.com
Linebarger, Goggan, Blair & Sampson, LLP
Love, Beal & Nixon, PC
Lowery, Scott P., P.C. aka CACH, LLC
LTD Financial Services, L.P.
LVNV Funding, LLC
Magnus Services, Inc.
Mann-Bracken, LLC
Marauder Corporation (America's Dumbest!)
Marshall & Ziolkowski
McKelvey Law Office
Meadows Law Office - Sheree Meadows
Mel S. Harris & Associates
Mercantile Adjustment Bureau
Merchant's Credit Guide Co.
Meridian Management Solutions
Messerli & Kramer
Midland Credit Management, Inc.
Minority Legal Network
Mims, Jerry M., Lawyer (formerly BANKRUPT)
Moore, Gerald E. & Associates
MRS Associates, Inc.
Myers & Porter, Attorneys
National Action Financial Services, Inc.
National Acceptance
National Asset Management
National Asset Services Co
National Attorney's Network
National Credit Adjusters
National Enterprise Systems
National Financial Systems
National Revenue Corporation
Nationwide Capital Recovery
Nationwide Credit, Inc.
NCO Financial Systems
Neuheisel Law Firm, PC
New Horizon Credit, Inc.
New Vision Financial
North American Asset Recovery
North Shore Agency
North Star Capital Acquisitions, LLC
Northeast Credit & Collections
Nu Island Partners, LLC
Omnia Credit Services
O'Neill Management, Inc. Investigators
Ozark Capital Corporation
OSI/Outsourcing Solutions
Pacific Coast Collections (Alliance One)
Palisades Collections, LLC
Peak Financial Services, LLC
Pennisi, Daniels & Norelli
Performance Capital Management
Phillips & Burns, LLC
Phillips & Cohen Associates, Ltd.
Pinnacle Asset & Capital Management Grp, LLC
Pinnacle Financial Group
Plaza Associates
Portfolio Exchange
Portfolio Management of Amherst, LLC.
Portfolio Recovery Associates, LLC
Preferred Platinum Plan aka Porn Collectors!
Prime Asset Recovery, Inc. Also see www.giovelawofficeexposed.com
Pro Collect, Inc.
Quadrant Group LLC - The Recycle Shop
Ranieri, Christopher, Law Office of
RCS Centre Corp
Redline Recovery Services, LLC.
Regent & Associates, P.C.
Rannefeld, Blue W. Attorney
Resurgence Financial, LLC
Resurgent Capital Services/Sherman
Reynolds & Jacobson, Attorneys?
Riddle & Associates
RJM Acquisitions, LLC
Roach, Larry, Law Offices of
Rosenthal & Colby, Inc.
Sagres Company, (the)
SC Associates
Scherr, Harold E. , Attorney 'Con-America'
Scott, Michael J., PC
Shekinah, Inc
Sherman Financial Group/Alegis (SDB)
Southern Tier Agency, Inc.
Specified Credit Association
Streeter, Sam W., Lawyer
Superior Asset Management
Taylor, Jay A. P.C. Attorney
Titan Recovery Group, LLC
Trak America Enterprises, LLC
Trauner, Cohen & Thomas
Triadvantage Credit Services
TrueLogic Financial Corp.
Unifund Group Corp.
United Abstract Group, Inc.
United Legal Corporation
United Recovery Systems
US Audit Control
Van Ru Credit Corp
Varde
Vasques, Louis, Law Office of
VRM Collections - Vigden Receivables Management
Weinberg, Stanley & Associates
Weltman, Weinberg & Reis
West Asset Management Inc.
Westmoreland Agency/Capital One Bank
Winn and Sims, P.C
Wolpoff & Abramson
Worldwide Asset Purchasing, LLC
Worldzen Collections and Recovery LLC
Zenith Acquisition Corp.
Zwicker & Associates, P.C.
1-866-857-3916
Academy Collections
Account Management Services
Account Solutions Group
AFNI Anderson Financial Network, Inc.
AGRM, LLC
AIS Services, LLC
Alegis Group, LP/Sherman Financial Group aka LVNV Funding, LLC
All American Financial Associates
All Debt Traders, LLC
Allen, Lewis & Associates, Inc
Alliance One, Inc
Allied Interstate, Inc.
Allstate Financial Services dba Allstate Adjustment Bureau
Aman Collection Service
American Acceptance
American Coradius, Inc.
American Credit Collections, LLC,
American Debt Services
American Legal Recovery
Ameriquest Recovery Services
AM Mortgage Brokers
AMO Recoveries
Anchor Receivables Management
Ariel Financial Services
Arrow Financial Services
Ascent Card Services, LLC
Asta Funding
Asset Acceptance Corp.
Atlantic Credit & Finance
Aurora, Gold & Associates, LLC
Baker, Lawrence, Attorney
Barnes, Curtis, O. Con-America
Bamford, Thomas K./Elder, Timothy L.
Bass and Associates
Baumann Law Firm
Bay Area Credit Services
Bennett & DeLoney, PC.
Blatt, Hasenmiller, Leibsker & Moore
Booth and Associates
Booska, Steven A.
Bronson & Migliaccio, LLP
Buffaloe & Associates, Lawyers
Burgess, Douglas R.
Burak, Donald S. Attorney
The Bureaus, Inc.
Burke, Edward T. & Assoc, P.C.
Brachfeld & Associates, P.C.
Brumbaugh & Quandahl
CACV aka CACH, LLC
C. Barry & Associates, LLC
Caferella, Jason J., Attorney
California Financial Credit Association
Cambece, James A. aka/Tough Tony
Capital Management Services
Capital Recovery Services Group
Cavalry Portfolio Services, LLC
Check and Merchant Services
Civil Claims Asset Investigative Services
Client Services, Inc.
Cohen & Slamowitz, LLP
CMC Recovery Services, Inc.
Collect America, CACV aka CACH, LLC
Collect Corp Inc
Collectech Systems, Inc.
Collins Law Office
Colonial Credit Corporation
Commonwealth Financial Systems
Consumer Credit Association
Consumer Recovery Associates
Continental Credit
Convergys
Corbett Law Office - Patrick Michael
Costal Asset Management Group
CPS Investigations
Credit Collection Service
Credit One, LLC
Credit Services, FAIC
Credit Systems International
Credit Recovery, dba as Boivin, Lawrence R., Lawyer
Creditors Financial Group
Creditors Interchange Rcvble Mgmt, LLC
CRS Capital Recovery Services
CSGA. LLC
C. Water Recoveries Also see www.giovelawofficeexposed.com
Daniels & Norelli, P.C. (Con America)
DeJana, Richard
Delta Group aka Joseph, Ortiz & Epstein, LLC
DeLoney Law Group, PLLC
Dendy, Michael D.
DMG Consulting
Ebbets Partners
Elder, Timothy L./Barnford, Thomas K
Elite Recovery Services, Inc.
Ellis Crosby and Associates
Empire Recovery Group
Encore Capital Group
Encore Receivable Management
Endeavor Financial Partners, LLC
ER Solutions
Eskanos & Adler, PC
Estate Recoveries
Evans Law Offices
Financial Credit Services
FBCS Federal Bond & Collection Service
Federal Credit Recovery/FCR Offices
First American Investment Corporation
First Revenue Assurance
FNBM, LLC
Genesis Financial Corp.
Go-More Financial, Inc.
GC Services
Gemini Recoveries, Inc.
Giove Law Office, P.C.
Global Acceptance Credit Company (GACC)
Global Vantedge
Goggins & Lavintman, PA
Gulf State Credit
Great Seneca Financial Corp.
Greenberg & Associates
Greenman and Donahue, Inc.
Gurstel, Staloch & Cargo
Hanna, Frederick J. & Assoc.
Harker, John W. CACV
Harris & Dial, PC
Harrison Ross Byck, Esq.
Hosto and Buchan
Houston Funding Corp.
Hudson & Keyse, LLC
Hull & Associates, P.C.
Integrity Resolution Group, LLC
Javitch, Block & Rathbone LLP
Jefferson Capital Systems
Joseph, Ortiz & Epstein, LLC aka Delta Group
Kay, Mitchell N., P.C.
Kretschman, Brenda Lee
The Law Center
Lang, Richert & Patch
LDG Financial ServicesII, LLC
Leading Edge Recovery Solutions
Leasecomm Corporation
Legal Recovery Services, Inc.
Lenahan Law Offices CLOSED, but still operating see www.giovelawofficeexposed.com
Linebarger, Goggan, Blair & Sampson, LLP
Love, Beal & Nixon, PC
Lowery, Scott P., P.C. aka CACH, LLC
LTD Financial Services, L.P.
LVNV Funding, LLC
Magnus Services, Inc.
Mann-Bracken, LLC
Marauder Corporation (America's Dumbest!)
Marshall & Ziolkowski
McKelvey Law Office
Meadows Law Office - Sheree Meadows
Mel S. Harris & Associates
Mercantile Adjustment Bureau
Merchant's Credit Guide Co.
Meridian Management Solutions
Messerli & Kramer
Midland Credit Management, Inc.
Minority Legal Network
Mims, Jerry M., Lawyer (formerly BANKRUPT)
Moore, Gerald E. & Associates
MRS Associates, Inc.
Myers & Porter, Attorneys
National Action Financial Services, Inc.
National Acceptance
National Asset Management
National Asset Services Co
National Attorney's Network
National Credit Adjusters
National Enterprise Systems
National Financial Systems
National Revenue Corporation
Nationwide Capital Recovery
Nationwide Credit, Inc.
NCO Financial Systems
Neuheisel Law Firm, PC
New Horizon Credit, Inc.
New Vision Financial
North American Asset Recovery
North Shore Agency
North Star Capital Acquisitions, LLC
Northeast Credit & Collections
Nu Island Partners, LLC
Omnia Credit Services
O'Neill Management, Inc. Investigators
Ozark Capital Corporation
OSI/Outsourcing Solutions
Pacific Coast Collections (Alliance One)
Palisades Collections, LLC
Peak Financial Services, LLC
Pennisi, Daniels & Norelli
Performance Capital Management
Phillips & Burns, LLC
Phillips & Cohen Associates, Ltd.
Pinnacle Asset & Capital Management Grp, LLC
Pinnacle Financial Group
Plaza Associates
Portfolio Exchange
Portfolio Management of Amherst, LLC.
Portfolio Recovery Associates, LLC
Preferred Platinum Plan aka Porn Collectors!
Prime Asset Recovery, Inc. Also see www.giovelawofficeexposed.com
Pro Collect, Inc.
Quadrant Group LLC - The Recycle Shop
Ranieri, Christopher, Law Office of
RCS Centre Corp
Redline Recovery Services, LLC.
Regent & Associates, P.C.
Rannefeld, Blue W. Attorney
Resurgence Financial, LLC
Resurgent Capital Services/Sherman
Reynolds & Jacobson, Attorneys?
Riddle & Associates
RJM Acquisitions, LLC
Roach, Larry, Law Offices of
Rosenthal & Colby, Inc.
Sagres Company, (the)
SC Associates
Scherr, Harold E. , Attorney 'Con-America'
Scott, Michael J., PC
Shekinah, Inc
Sherman Financial Group/Alegis (SDB)
Southern Tier Agency, Inc.
Specified Credit Association
Streeter, Sam W., Lawyer
Superior Asset Management
Taylor, Jay A. P.C. Attorney
Titan Recovery Group, LLC
Trak America Enterprises, LLC
Trauner, Cohen & Thomas
Triadvantage Credit Services
TrueLogic Financial Corp.
Unifund Group Corp.
United Abstract Group, Inc.
United Legal Corporation
United Recovery Systems
US Audit Control
Van Ru Credit Corp
Varde
Vasques, Louis, Law Office of
VRM Collections - Vigden Receivables Management
Weinberg, Stanley & Associates
Weltman, Weinberg & Reis
West Asset Management Inc.
Westmoreland Agency/Capital One Bank
Winn and Sims, P.C
Wolpoff & Abramson
Worldwide Asset Purchasing, LLC
Worldzen Collections and Recovery LLC
Zenith Acquisition Corp.
Zwicker & Associates, P.C.
by StoptheAbuse
Abuse is Rampant by serveral different types of organizations
While I am NOT an Attorney everything you find by me will be based on experience or fact....
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