I have received several calls from this number reportedly representing FRG? I have no idea why or whom the individuals are however they seem to call my office mainly at night or when I am away from my desk. I have asked the for the calls to stop since it is disrupting to my work place and to mail me any information regarding their call to the address listed. If they are legitimate then they would have an address to contact me. I believe it is my right to have a physical address in order to have direct contact with any collection agent.
Thought you might find more info here. OCWEN financial used to be about mortgages only. In this article they inform their step into the 'wonderful' world of collections. When I read it it is unbelievable to grasp how they refer to this 'wonderful' new step into this 'wonderful' new business of debt collection. They certainly don't mention their harassing tactics and disrespectful employees. WHat so many people have stress and frustations about, they talk about as though it were a wonderful new business opportunity [well, for them it is].
They are one of those companies that buys old debts and tries to collect...They called me regarding a debt from like 6 years ago..oops California doesn't allow you to legally enforce this debt after 4 years...But, I do have to give the person I spoke with some kudos....She tried her best to scare me...I just told her to have a nice day....
Well it has been a little over a month since I last heard from FRG. I blocked their number and I have been check out my county court website to check if I am being real sued. During the past 2 months I have gottin the same kind of calls from other dead beat debt collectors and its the same old thing one the names of the other collection agency is Capital and others is Rosenthal, Stein, and Associates with same stupied tactics, Do not let these people scare you they trive on it.
Legit collectors per section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER.
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint.
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.