These are some sort of scam operation. They have an address from about 5 years ago & say I ordered 10-15 magazines & now they are collecting. Never happened! I usually don't answer & they leave no message.
A caller spoke fast that you could hardly understand what she's saying. I asked her to identify her company but started to ask me questions. I did not play her game and hang up the phone.
My son told me that this number and a few others from this same collector has been calling his cell phone for the past 6months...the cell phone is in my name! They are calling to collect on a debt that is from someone I have never heard of, I have had this cell number for over 10 yrs!
We can do something about this....make a record of every call, the date, and time then put this all in an affidavit.
Then type up a form that I call an INTENT to SUE and send it to them
on the form you must cite the laws from the TCPA.....The TCPA says if they are Using automated dialing equipment and prerecorded messages.Telemarketing calls using “live” callers. In general, people who have received telemarketing calls, unsolicited faxes, prerecorded calls, or autodialed calls to cellphones, may bring suit (in your local state court, including in small claims court) against the person making those calls if they violate the TCPA. The statute provides statutory damages, generally from $500 to $1500 for each violation, which are paid to YOU!
The law says in a nutshell companies including debt collectors and your creditors can’t call your cell with an autodialer and if they do its $500- $1500 .. And that’s for each call!
But they’re 2 small catch’s
1. The calls have to be from an autodialer which is where you answer the phone and you hear a pause and it says if you are so and so push 1 if you are not please hang up the phone. In addition there are several other variables to these autodialers they use
2. You can’t have given them express consent to call your cell phone
How do they get express consent? By you signing up for a loan, credit card and so on and putting your cell phone number on the application.
I have used this law in the past and won the lawsuits against the debt collectors since I do NOT give out my cell phone.....and have my letter all ready send CERTIFIED mail to Malcolm Gerald for calling my cell phone without my consent, and for attempting to collect a debt that does NOT belong to me. I have called and asked very nicely to have my number removed from their databasei am NOT who they are calling for but they continue to call so the only way to handle this matter is to get them in the pocket....they take soo many innocent peoples money and I LOVE to take money from these bottom feeding debt collectors. I am going after Malcolm for 21 calls that I have documented which in money is $30,500 that I am suing them for...... $500 for the 1st call and $1500 each additional call....if more people did this they would NOT call and harass us night and day especially for a debt that is someone I have never heard of! Now please do not run out start filing lawsuits until you know the laws and know what you are doing, since this will make it worse on those who do know what they are doing regarding the collection laws in the United States! Take their money instead of giving them yours!
NO ONE OWES a DEBT Collector EVER!! They purchase the debt for pennies on the dollar and the reason why they always say ohh we will settle for half of the money after so long, its because they NEVER pay for the full amount of the debt. EVER!
It is time for all of us to learn the laws regarding the FDCPA, and the TCPA as well as your local debt collecting laws in your state so that you don't fall for the tactics of the debt collectors.Use the internet to your advantage and study the laws yourself it all there for you just waiting to empower you! PLEASE wake up people, PLEASE you do not owe any of these debt collectors. You will be soo empowered once you learn the laws, which they do NOT want you to learn! If you do they will be out of business! The original creditor usually writes off your debt after 180 days and moves on, then they put the debt in to a database for sale and these bottom feeders purchase them and come after YOU, but if you know the laws you do NOT owe them a penny and paying them will NOT help your credit one bit it will make things worse! PLEASE hear me on this KEEP your hard earned money for you and your family!!!! If more people started studying the banking laws, how loans are made, and how it is illegal for a bank to EVER loan you money we would live in a debt free world. The banks are working with the judges, lawyers, and the debt collectors, why do you think they are taking homes from people left and right ILLEGALLY mind you! The truth is all there for you but you have to look for it, they never wanted us to learn the truth they never intended for us to know ANYTHING but believing everything they say on CNN, FOX, CBS, NBC, ABC, The newspaper and RADIO!
Turn OFF the TV and start learning your rights by studying the laws that are in place to help you, they keep us busy worrying about the economy, the election, American Idol crap, movie star garbage, the newest and latest movies coming out, and all the other garbage in the news and tv. Turn it all off and start studying for yourself, do not take someones word for anything, NOT even your pastor at church, or ME.....learn for yourself so that no one can EVER again take advantage of YOU! Now that is true POWER my friend.....
There are laws in the FDCPA that you can go after these debt collectors with and takes lots of their money, but you cannot do it if you are too busy listening to them babble about the economy and the election....dont worry about what they say on the news they are going to do what they want regardless and they are going to make president who they decide should be president NOT who the people vote for...it is all a game to keep you soo busy that you do not see what is actually going on behind the scenes, and the lawyers out there are NOT your friend either, they are in place to make money for the judges, now I will say that there are a few good lawyers who do try to fight the ugly that is going on but please know there are very few! You cannot trust ANYONE not even your pastor, they all work for the big guys in the suits that call all the shots in the world. I do believe that there are a few good God fearing pastors but there are LOTS that are in place to put fear into you and make sure that you honor God by being a well behaved citizen!!
All my best to you as you learn who you truly are in life!
some one from this number keep calling and making threathen calls.or act dumb.no body by that name lives here,malcolm s.gerald associates,inc 332 south michigan avenue suite 600 chicago ill,60604.
heres my situation. I was in a car accident and I live in alabama. I was the victim of this situation when I got the mail I called them and suddenly they claim it was in my state I ask you how in the world can a collection agency say I owe them? When they are in Chicago?