Valentine & Kebartas - caller id numbers used to harass us
(281) 201-6106
(281) 201-6107
(713) 338-2013
(713) 234-1582
(409) 440-4153
(800) 462-4884
(978) 975-0799
(978) 332-5480
(900) 000-0000 (their Sat/Sun caller ID #)
Collection agency scumbags. I told them to stop calling me, as I cleared up the debt with the ORIGINAL creditor back in October. I only answered two of their calls - both times I told them to stop harassing me, disputed the debt and to call their own client for proof. This P*ssed them off - most debt collectors do not like to lose their money, especially shady, illegal ones like V&K - and they have ramped up their harassment. I also told them (invoking my rights under Federal Law - FDCPA and FCRA), regardless of whether debt was valid or not, and instructed them not to CALL me anymore and that they were only allowed to communicate with me in writing. This was in December!) Just today alone, I've already received 10 calls (it's only 1pm) and this happens every single day - even Sunday (although on Saturdays/Sundays the number shows up as 900-000-000). I ignore the calls now, but they started this back in November and I told to CEASE & DESIST over a month ago. They are so Illegal!! It's a $1000 fine for them harrassing you! (per the federal law from what I can tell by reading it online - I'm not an attorney) In my opinion... VERY BAD and ILLEGAL Debt Collection Practices and FCRA violations. Btw, I just received another call from them while typing this post! Here's where I found the info.... TITLE VIII - DEBT COLLECTION PRACTICES [Fair Debt Collection Practices Act] §806. Harassment or abuse [15 USC 1692d] and §813. Civil liability [15 USC 1692k]
IN MY PERSONAL OPINION ONLY FROM MY EXPERIENCE AND READING ONLINE... (this is not to be construed as legal advice - I am not a lawyer) here are some tips...
You are always better off paying your ORIGINAL CREDITOR. Creditors are almost always willing to would be willing to accept a negotiated amount, and they wont have to pay the commission to the collection agency. For example, negotiate with (ie, COMCAST) that you will pay debt (or a negotiated amount, several payments, etc) ONLY if they agree IN WRITING (before you make the first payment) if they agree to remove the negative reporting from your credit report and report the debt as paid as agreed, etc.
ALSO from reading the FCRA, as long as you are making SOME kind of payment (ie, $5.00 or $10.00 a week/month etc) the creditor cannot report you to the credit reporting agencies. This will get the collection agency off your back too if you tell them you are making payments to the ORIGINAL creditor.
I found good info on the internet. Here are some informative sites:
This number is from the sleazy collection agency, Valentine and Kebartas. They use a clever strategy and tactics where they will attempt to contact yu using SEVERAL numbers including:
Here's a good strategy to counter these slime bags:
1. Using Skype or another service where you name will not show up on caller ID, call the number in question to verify Valentine & Kebartas (or any other bill collector)
2. Download a call blocking app for your phone. I use an Android phone and the app, Advanced Call Blocker, works really well.
3. Add the slime bag number to your blocker.
yep, these slezebags are also using 281-201-6106 and 281-201-6107. I am lucky enough to own a phone at the house that has call blocker, bought it at BestBuy. Greatest thing.
Valentine & Kebartas - caller id numbers used to harass us
(281) 201-6106
(281) 201-6107
(713) 338-2013
(713) 234-1582
(409) 440-4153
(800) 462-4884
(978) 975-0799
(978) 332-5480
(900) 000-0000 (their Sat/Sun caller ID #)
Collection agency scumbags. I told them to stop calling me, as I cleared up the debt with the ORIGINAL creditor back in October. I only answered two of their calls - both times I told them to stop harassing me, disputed the debt and to call their own client for proof. This P*ssed them off - most debt collectors do not like to lose their money, especially shady, illegal ones like V&K - and they have ramped up their harassment. I also told them (invoking my rights under Federal Law - FDCPA and FCRA), regardless of whether debt was valid or not, and instructed them not to CALL me anymore and that they were only allowed to communicate with me in writing. This was in December!) Just today alone, I've already received 10 calls (it's only 1pm) and this happens every single day - even Sunday (although on Saturdays/Sundays the number shows up as 900-000-000). I ignore the calls now, but they started this back in November and I told to CEASE & DESIST over a month ago. They are so Illegal!! It's a $1000 fine for them harrassing you! (per the federal law from what I can tell by reading it online - I'm not an attorney) In my opinion... VERY BAD and ILLEGAL Debt Collection Practices and FCRA violations. Btw, I just received another call from them while typing this post! Here's where I found the info.... TITLE VIII - DEBT COLLECTION PRACTICES [Fair Debt Collection Practices Act] §806. Harassment or abuse [15 USC 1692d] and §813. Civil liability [15 USC 1692k]
IN MY PERSONAL OPINION ONLY FROM MY EXPERIENCE AND READING ONLINE... (this is not to be construed as legal advice - I am not a lawyer) here are some tips...
You are always better off paying your ORIGINAL CREDITOR. Creditors are almost always willing to would be willing to accept a negotiated amount, and they wont have to pay the commission to the collection agency. For example, negotiate with (ie, COMCAST) that you will pay debt (or a negotiated amount, several payments, etc) ONLY if they agree IN WRITING (before you make the first payment) if they agree to remove the negative reporting from your credit report and report the debt as paid as agreed, etc.
ALSO from reading the FCRA, as long as you are making SOME kind of payment (ie, $5.00 or $10.00 a week/month etc) the creditor cannot report you to the credit reporting agencies. This will get the collection agency off your back too if you tell them you are making payments to the ORIGINAL creditor.
I found good info on the internet. Here are some informative sites:
Thank you Fedupintexas and Jonathan Doe!!! I appreciate your input!!! I recently had a "sleazy" collector call recently about a repossession in 2000!!! Yes, 11 years ago!!! The collector began asking me my social security number and when I refused to provide it, proceeded to ask why I didn't believe I owed that debt!!! I have bought approx. 5 cars and a house since this happened and paying 13-17% interest for the cars and a less than "A" paper interest rate for my house....I believe I have "repaid" over and over and over!!!