Just received phone call today. A women left a message on my voice mail. I Could not understand the name or what she said only that we needed call 7484256. When we called the number it was a general voice mail box of noting business hours. No name of the business or who we were calling back.
My cell phone had a call come in as "RESTRICTED" so they blocked the number. Gal said "Hi Lisa I need you to call me back. This is Janet Johnson 360-748-4256". They must have chosen CALL BLOCKING for their call.
So I did the same thing. I called from a Restricted number. This business answers the phone "Hi!" (unprofessional in my opinion) and I said "What company is this?" She said "This is DYNAMIC COLLECTIONS. Can I help you?" I said " No, just trying the call. Thank you."
Apparently everyone here has the last name JOHNSON, or at least they all use the same ALIAS last name
Just recieved this same message. I googled the number she left and this was the first thing that came up.
My guess, collection agency, but I'm on board for the lawsuit.
The message she left made it sound like high school alumni getting the H.S.reunion ready and contacting people.
State of Washington 60th Legislature 2007 Regular Session
By Representative Dunn
Read first time 02/08/2007. Referred to Committee on Insurance,
Financial Services & Consumer Protection.
1 AN ACT Relating to the definition of collection agency; and
2 amending RCW 19.16.100.
3 BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF WASHINGTON:
4 Sec.
You need to send this request via a certified mail and request a return receipt. If you want to allow calls only between 5pm and 6pm, tell them about it in the letter. By law collection companies are required to respect your privacy and will have to cease all phone calls to your home, relatives, neighbors, and work.
Once you have their claims in writing it’s easier to seek legal help, and keep records of your correspondence.
Send all your responses to bill collectors via Certified Mail. This way you will have proof of receipt by the addressee.
Remember that the amount they claim you owe is negotiable. You can negotiate the total amount due, number of payments, and the payment deadline. Once you worked out the payment plan, request it in writing.
What a debt collector CANNOT do:
* Use deceptive practices. For example, threaten you with arrest or trick you into paying for collection calls.
* Use obscene language.
* Call you at work after you tell them that your boss does not approve these calls.
* Deny you the right to receive a written notice (within five days after your first phone conversation) that would tell you how much you owe and the name of the creditor that says you owe the money. If you do not receive the notice within five days, call the collection agency and ask for its address and fax number. Then, send a letter to the collector noting its failure to send you the required notice. As a minimum, make a note in your file.
* Refuse to give its name and the name of the collection company when asked.
* Put a debt on your credit report if you file a dispute. It must validate the debt by obtaining a verification of the debt or a copy of a judgment from the creditor before continuing their collection efforts. The results of the investigation must be mailed to you.
For more information on Fair Debt Collection visit http://www.ftc.gov/bcp/conline/pubs/credit/fdc.shtm