This is an offshoot of the fact that ALL modern purchased debt collection agencies were started by a former Detroit Prison System Inmate who needed a job once getting out and bought a list of debt holders from an agency for pennies on the dollar and as he put it "I just started calling them.". Our prison system is not predicated on correction, it is more like an eternally running "conference on how to more effectively commit crime" so while he was running a legit (though a bit shady) business I cannot expect his former inmate colleagues who came afterwards and started their own agencies to hold to even those standards.
Just got a call from the 307-316-7474 myself. Again no one spoke, but I have no debt and nothing outstanding so they are just trying to be a pest, I would have to think. After reading all of the above messages, I will follow suit and NOT EVER answer that line. I thought at first it was business related because it was from Cheyenne and we do business there.
This number calls me everyday at 8:37 am..they have even called me after 9pm...against the law!! They never leave a message..the caller ID on my phone says they are from Wyoming
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.
Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350