Called me looking for my Brother in law. Called them back and informed them that they were in violation of the FDCPA. They became defensive and rude. I am turning all info over to the Attorney General since they both violate the FDCPA and are impersonating law enforcement. Do not fall for their lies.
405-516-2268: Karen Wilson
This is the company location and phone number of the collection agency. This number shows to be a private number..it is blocked from identification. The person is extremely rude and DOESN'T REVEAL THAT THEY ARE A COLLECTION AGENCY OR THE COMPANY WHO THEY ARE COLLECTING FOR.
True company info:
National Bureau of Collections Inc
5922 SE 15th St
Oklahoma City, OK 73110 Map
Collection agencies will insist on having a settlement but you are not obligated to pay it all at once. YOU CAN ALSO ASK THE COLLECTION agency to CEASE AND DESIST, meaning they will have to stop calling you, and writing you. There are laws that protect debtors it is called The FDCPA which is regulated by the federal government. A collection agency have certain laws that they must abide by. If your rights are violated not only can you go after the collector, but you can go after the agency they work for. You do not have to take harrassment from collectors or collection agencies. If you are contacted by a collector THEY MUST GIVE you the mini miranda, if they do not, ask to speak with the compliance department AFTER getting the collectors name, & extenstion. Some collectors use false names, that is okay but they cannot mis represent themselves (pretending they are a attorney) they cannot threaten to sue you, arrest you, or otherwise make you feel your well being is in jeopardy. They cannot contact anyone else regarding your debt (your parents, your siblings, your employer or your neighbor) that is third party disclosure a very big no no. Their job is to clear the debt for their client, your original creditor. I am not saying you don't have to pay your bills, I am saying you have a right to make arrangements to pay your debt off. If you make an arrangment stick too it. Once you have an account that goes to collections, chances are your credit report will be updated. If you do decide to make payment arrangements, make sure you keep a record of all payments. Once you have paid the bill off, make sure the collection agency send a Paid In Full letter to you. That way if your credit report is not updated within 90 days you will have proof you have satisfied the debt. A lot of collection agencies get your money and do not update your report to reflect the debt has been satisfied, this will start the vicious cycle of collections all over. Remember a vast majority of collection agencies work on a commission basis. Which means if you pay your debt in full, they get a bigger commission check. You do not have to be afraid of collectors or collection agencies, most of them are in debt too. The collection agency cannot: Put a lien on your property, they will try to make you think they can but they cannot. They cannot garnish your wages unless there is a judgement against you.
If you choose to deal with them, know your rights. Otherwise tell them to cease and desist, send them a letter (does not have to be certified) and have them send your debt back to your original creditor.
Yeah that same beeyotch has been calling my mom and telling her it is a "federal court" matter. Yeah right. Are those people allowed to lie like that? The lady told my mom "if she calls me by Friday I won't report her to NATIONAL COLLECTIONS." Oh yeah...the same beeyotch, Karen Wilson. She can go f*** herself.