Someone (a friend) gave me 888-789-3967 to sign up for free grant money. got a recording saying free $$ for home repair,home imporvement, personal bills...ect. had to leave my name and #. They called back few hours later from the 310-928-7055 and gave me a call. A woman called my back from the 888# and ask to verify the code and asked for my address. she said i would get grant info. in the mail in two weeks and to use the code on each page. The 888# is now disconnected.
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This appears to be a LEGAL Telemarketer for those on the dnc registry list. As research companies can call you. If they are calling for sales, and you’ve never had previous business with them then: Complaints need to be filed with 1) DNC.gov 2) FTC.gov 3)FCC.gov and your State's Attorney General. If 1 & 2 see a pattern (i.e. multiple complaints) they will investigate and file necessary charges.
They are in violation of Federal laws if their calls are before 8:00 am or after 9:00 am; or on weekends and/or holidays. Also they could be considered in violation, if they call more than twice a day.
If the calls persist, I believe contact information was previously posted on this forum. Send the following letter to the Firm calling, and once you verify they’ve received your Certified letter (cost approx. $5.50 to send), they are in violation of Federal Laws, and you can sue them $1,000.00 for each call. Before you receive the green card back, go to USPS.com and do a track on the Certified mail number, you will see if they have in fact received your letter or not.
You will need to keep a detailed log, after they receive the letter, and the continuing calls to file charges and/or complaints.
Your representatives have been trying to contact me, however, I only do business of this nature via mail. Therefore, I am requesting again that you cease and desist from calling me. Please remove the phone number(s) XXX XXX-XXXX . The calls constitute harassment at this point, which is causing a major disruption in both my business and personal life as well as being an invasion of my privacy, which I will not tolerate.
If you continue to contact me, I may file a complaint with the Attorney General. The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing to cease all phone communication. Please comply with federal law or a complaint will be filed.
If you have any questions, please contact me at the below mailing location.
Sincerely,
_________________________________
your Name
Address
City, State, Zip
Now for those of you receiving calls from Collection Agency's:
OK Guys, PLEASE Read This!!!
Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers. However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us. They are counting on that.
- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that. This includes Attorney's in state's other than your state of residence. The only Attorney's that can sue you, have to be licensed in your resident state.
A word of caution: Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.
Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt. You are not required to ask for it. They never do this!!!!
This law is known as the Fair Debt Collector Practices Act. You can get it at FTC.gov; as well as other Consumer Protection Laws.
Most collection agencies, purchase your delinquent debt for pennies on the dollar. Guess what? It is no longer your debt!!! You don't have any agreement/contract with the debt collector or collection agency. Your only agreement/contract was with the original creditor.
Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist. The collection agencies are counting on you not knowing this little bit of information.
The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor. They lie, and will tell you whatever they need, in order to get you to commit to paying them.
The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.
If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information. Tell them to send you a written statement & you'll respond. Then hang up. When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them Or: send the letter I’ve enclosed that I use. Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #
Amount in Dispute: $
Account #
Dear :
I am in receipt of your demand for payment. However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c). Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.
In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.
Sincerely,
Your Name
Address
City, state Zip
Certified Mail#:
In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties. Google Law of Novation and read up!!!
No I am not an attorney, just a well knowledged, educated consumer. I have spent the past 2 years studying various Federal Consumer Protection Laws.
I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away. I read that in the Fair Debt Collector practices Act law; I needed to know why, what law tells me the reason why I can.
Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them. Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.
I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations. Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.
I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence. I catch Attorneys on violations of State Rules of Civil Procedure all the time. And our Judge's let them get away with it.
And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.
And then a couple years later, as you are just recovering, you lose that job. And when you are in your 50's, a new job is not so easy to come by. And when that happens, then what?
Or what about a major illness, guess you've never had that either - too bad. Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.
What if the money isn't there to pay these debts to begin with? We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do. I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.
Oh, we've struggled. And the job last hasn't exactly been replaced. We're still behind in our Mortgage and trying to catch up, as with our other legal obligations. I can't work because of various health conditions, or I would, including a part time job at least. My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.
People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation. Do it, and then THEY can pay off YOUR obligations!!!
Again I am not an Attorney - but have learned these by my own experiences. There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances. I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help. If anything I have written, causes you questions, please seek the advice of an Attorney.
Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.
Our Company is basically an out - call service, where we come to the client's location and can be there with-in the hour from the time the clients call us. Although we do have some therapists who do have studios that a client can use.
A company I believe is AdverFax Inc, located at 10097 Cleary Blvd, Planation, FL 33324 (954) 603-7833 is sending out junk insurance faxes. I believe the owner of the company is Robert Martino. Beware of this company. It's a scam. Their return fax number is (305) 851-4006. They list a fax removal, WWW.NationalDoNotFaxList.org ;, whch is also a scam. If yo go there, you get more UNSOLICITD faxs. I have reported this company to the federal government for investigation. An internet search shows they have been in court befopre for the same thing, junk faxs.
Hello, I lost the number for Atomic Elbow Massage and I want to recommend them to a friend of mine, because I was very pleased with their services. I found this number, is it the right one?
Called twice, once during dinner and once at 9:30 p.m. so far this evening, tired to answer and they hung up miss one and no voice mail. I tried to call back and rang forever finally saying that it wasn't going to be answered and the call was being ended. But really this stuff hasn't been ended i mean come on how long have cell phones been out there??? Does it really take more then a hacker in a garage to fix the problem?
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Ok i did some research on this number..they are not associated with walmart credit cards..some how they get in your account change your pay paper to there email,then if you pay this site your bein scammed..they claim they are walmart discovery...in fact no they are not...so plz BE AWARE,,,also they make your payment late ruining your outstanding credit with this CC card.....so if you are getting there emails to pay PLZ PLZ call walmart on back of your card...we were never late in 10 yrs,they got us on their email scam thing and sent the statement out Feb 20th guess what our payment is due 3rd of each month...and He called me and I called his bluff,told him i tslked to walmart and they said get out of their buisness,he has yet to call back...Concerned
someone stated there name was michelle osborn and she said i was approved for 75000 and needed my bank info and fax over my license and other very important info the number she called me from cannot be returned but she left a number 888-401-4442 which is a landline phone
Several calls from this number all day and night. No one ever answers, long pause then a hangup. When I try to call the number back all I get is busy signal.
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