I received a call from these bottom-feeding collections people today. I have no debts that are past due; they may be using a robo-dialer to scare random people. This number belongs to Fair Collections and Outsourcing, 12304 Baltimore Avenue Suite E, Beltsville, MD 20705-1314. PLEASE be aware of your rights under the FDCPA. Do your research and know your rights before speaking to these "people". Here is a list of phone numbers I have:
You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notation of that fact at the bottom of the letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All
Everything else you need to know follows including at least two agencies where you should report their criminal activities.
FAIR COLLECTIONS & OUTSOURCING AKA FCO FORMERLY PIERCE HAMILTON & STERN INC. AND AFFILIATED WITH HUNTER WARFIELD
Posted in: http://800notes.com/Phone.aspx/1-240-374-4665
http://800notes.com/Phone.aspx/1-240-374-4510
Web site gives an alleged address in Maryland: http://www.fco.com/contact/
BBB gives them an F rating with 101 complaints and 1 negative review: http://www.bbb.org/washington-dc-eastern-pa/b ... ville-md-14941/
I find it troubling that they have an office in the Philippines.
Maryland Dept. of Labor, Licensing, and Regulation info:
Legal Name: FAIR COLLECTIONS & OUTSOURCING, INC.
Trade Name: FCO
Business Type: Corporation
Street Address: 12304 BALTIMORE AVENUE
SUITE E
BELTSVILLE, MD 20705-0000
License Information
Category: Collection Agency
License Number: 4146
Expiration Date: 12 - 31 - 2015
Original Issue Date: 07 - 27 - 2005
Status: ACTIVE
Legal Name: FAIR COLLECTIONS & OUTSOURCING, INC.
Trade Name: FCO
Business Type: Corporation
Street Address: 6819 AYALA AVE, 27TH FLOOR
1200 PHILLIPPINES
MAKATI CITY
License Information
Category: Collection Agency
License Number: 5071
Expiration Date: 12 - 31 - 2015
Original Issue Date: 08 - 05 - 2008
Status: ACTIVE
Maryland Dept. of State info:
Entity Name: FAIR COLLECTIONS & OUTSOURCING OF NEW ENGLAND, INC.
Department ID: D10434983
General InformationAmendmentsPersonal PropertyCertificate of Status
Principal Office (Current):
STE E
12304 BALTIMORE AVE
BELTSVILLE, MD 20705
Resident Agent (Current):
MICHAEL E SOBOTA
10016 CAMELITA DR
POTOMAC, MD 20854
Status:
INCORPORATED
Good Standing:
Yes
What does it mean when a business is not in good standing or forfeited?
Business Code:
Ordinary Business - Stock
Date of Formation or Registration:
01/27/2005
State of Formation:
MD
Stock/Nonstock:
Stock
Close/Not Close:
No Close
Principal Office (Current):
SUITE E
12304 BALTIMORE AVE.
BELTSVILLE, MD 20705
Resident Agent (Current):
MICHAEL E. SOBOTA
10016 CARMELITA DRIVE
POTOMAC, MD 20854
Status:
INCORPORATED
Good Standing:
Yes
What does it mean when a business is not in good standing or forfeited?
Business Code:
Ordinary Business - Stock
Date of Formation or Registration:
11/10/2004
State of Formation:
MD
Stock/Nonstock:
Stock
Close/Not Close:
No Close
This is where the head criminal in this organization lives: https://www.google.com/maps/place/10016+CARME ... 764fc00!6m1!1e1
Looks like their Legal Compliance Department doesn’t know that bankruptcy stops all collections: http://www.wvnb.uscourts.gov/sites/wvnb/files ... %20Mem%20Op.pdf
It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it. You are not obligated under the law to prove that you don’t owe or that it is paid.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://800notes.com/faq/attorney-general
Also file complaints here: http://www.dllr.state.md.us/finance/consumers/collagc.shtml