I got his call too, she has been calling my house and work everyday.I told her I will not speak to her until I receive something in mail explaining who I owe, how much, address, and who what company she is calling with. I have yet to receive anythin and that was a wek ago, and she still calls everyday.. I called the mumber back she gave me, too see how they answer the phone and she answers the phone as investigatons. No one is allowed to issue a warrent except for fbi and police. Don't believe them. She claim the company is called Delanoir and Kemper Assoc, she is simply a bill collector...I will be reporting them & her, cause I know my rights. I told her not to call my work and she has done so three times since I have told her not to.
Delanor Kemper & Associates
PORTFOLIO MANAGEMENT
2221 Peachtree Rd NE
Atlanta, GA 30309
TEL : (404) 524-0891
FAX : (404) 524-0896
http://www.dkallc.com/1.html
From their website:
"Delinquent Receiveable Resolution"
"Delanore, Kemper & Associates is a national debt collection agency founded upon a commitment to high ethical standards and driven by the successful recovery of your company's accounts receivable and bad debt. The DKA team offers a combination of highly-developed skills and a wide-range of prompt, professional accounts receivable collection and bad debt collection programs specifically designed to fit your company's needs.
DKA Collections is dedicated to serving you with the intention of building a long-term client relationship. We are the intelligent alternative for your company's need for bad debt collection, clearing backlogged receivables, improving cash flow and liquidity while enhancing your profitability.
The team of DKA professionals is highly-skilled and trained in commercial and consumer third-party collections and has earned a stellar reputation across the country for results. By utilizing state-of-the-art computer systems, DKA's collectors are able to access debtor information, perform effective skip tracing, impact your debtor's credit history and do timely, effective debtor contact and follow-up.
Our collection agency is large enough to offer rates that are competitive with larger firms and also small enough to provide your accounts with consistent, knowledgeable and expert attention. There are no "up-front" fees at DKA to begin your bad debt and accounts receivable collection processes and every one of our clients receives as much personal attention and service as they require. No client is ever "too small to bother with." Whether your needs are a single account per year or collections on thousands, DKA will exhaust every effort possible on each and every account to yield the maximum recovery results.
Our professional credentials include the following: DKA is in full compliance with the Fair Debt Collection Practices Act (FDCPA).
We welcome the opportunity to show you how your company can benefit from the reputation and services offered by the premier debt collection agency - DKA Collection Services, Inc. Feel free to take a look around our site and see what we can do for you!"
Look under http://800notes.com/Phone.aspx/1-404-524-0848, and you will see further evidence which disputes their claim that they are in "full compliance with FDCPA laws".
As for you, J, they have violated Sections 805, 807 and 809 of the FDCPA by:
1) Refusing to comply with your request for debt validation (809),
2) Refusing to cease communication (805), and:
3) Threatening to take actions that are not intended to be taken or cannot
legally be taken (807).
I suggest that you do the following:
1) Send them a letter via certified mail (with return receipt requested),
demanding that they validate the debt they are calling about.
2) Pull your credit reports from all three bureaus (Experian, Transamerica
and Equifax).
If you find that they have placed any derogoratory remarks on your credit reports and continue harassing you without first validating that you owe this alledged debt after you have proof they received your letter, it's a slam dunk. You can sue the %$&#! out of them:
Who Why Precedent/Law Fine
Creditors if they report your credit history inaccurately Defamation, financial injury (US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan). Extent of damages incurred by the wronged party as deemed by the courts.
Creditors, if you dispute a debt, and they fail to report it as disputed to the credit bureaus Protection under the FCRA (FCRA Section 623. $1,000).
Creditors if they pull your credit file without permissible purpose. Injury to your credit report and credit score (FCRA Section 604 (A)(3)). $1,000.
If you dispute a debt, the collection agency fails to report it disputed to the credit bureaus Protection under the FDCPA (FDCPA Section 807(8)). $1,000.
Collection agencies if they do not validate your debt yet continue to pursue collection activity (file for judgments, call or write you). Consumer protection afforded by the FDCPA. (FDCPA Section 809 (b), FTC opinion letter Cass from LeFevre). $1,000.
Collection agencies if they have not validated your debt and they still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA FDCPA Section 809 (b),(FTC opinion letter Cass from LeFevre).
$1,000.
Calls you at your place of employment if the debt collector knows or has reason to know that your employer prohibits the consumer from receiving such communication. Consumer protection afforded by the FDCPA. (FDCPA Section 805.(a)(3)). $1,000.
Thank you so much for your help. I am at work today and they called again demanding I pay over the phone with a credit card. I told "Invesigator Harriet, so she calls herself" I told you not to call my place of employment and she said well this is ms daniels. I said you have the same voice and who in there right mind would pay over the phone with a credit card when I have no idea who you are. I finally had to hang up cause she kept yelling at me.
Today I will be sending a certified letter demanding that they validate the debt they say I owe.