good to know others are reporting this debt collection service which choses not to obey the fdcpa. i got a call friday from this number, asking for a person with a certain korean name. I truthfully told them I don't know anyone by that name and I've had this number (which has been a cellphone number for 2 years) for 5 years, and that for months I've been telling people who call under that subterfuge the same thing and not to call me again. The caller acknowledged being in debt collection (tho not the company name) and said they'd only had the account since november 3 and would not call back.
I'm not holding my breath, since the calls escalated after I reported some of my health insurance company's unethical practices to Virginia, the state that insurer insists is most favorable to them in not enforcing its laws and regulations (tho the insurer also boasts of its friends among "all regulators" state and federal and told me to check my policy's gag provisions while advertising both its "quality" and affiliation with United Healthcare and its big-data practices). Yup, I'm crazy enough to still refuse to pay a bill backed by altered electronic medical records, although my health insurer wins (as it says it always does) because I'm not getting treated for the medical condition it diagnosed soon after I subscribed (fyi it insists on its property right on keeping my diagnosis date as that of the first multi-party complaint letter, all hand-delivered and mailed copies of which my insurer says it never received)
I have dealt with LTD since earlier this year. They broke the law and my attorney is on their case. Don't let the bullies beat you up -- know the law and get an attorney. There are attorneys that will take these cases at no out of pocket cost to you.
There will be monetary damages paid to me (and my attorney) either through settling out of court or lawsuit. (providing that I win the case)
Go to the link and read the law for yourself. It doesn't list how much monetary damages are but it's well worth your time.
1. Record your calls.
2. Keep good and clear records of everything that happens.
3. Save ALL letters and envelopes.
4. Android phones can download a free app called, RECORD MY CALL.
5. Do not send any money to any company without proof of debt and proof that they are the company that has been assigned to collect from you by the original creditor. (There are scam collectors out there.)
6. Do not give your personal info such as checking account or/ including the last 4 of your ss#. They will refuse to talk to you but after a phone call or two they will usually give you what info they have and ask you to verify. They often do not have all of the info that they are asking you to give. So you are helping them out by voluntarily giving them what they are asking for. Besides, you REALLY don't know who they are.
7. You CELL phone is protected. Once you tell them NOT to call your cell phone it is a violation for them to ring your cell number. Monetary damages is either $1,000 or $1,500 for EACH time they ring your cell, even if you don't answer. Save screen shots if you don't answer since it possibly won't show up on your itemized cell list of incoming / outgoing calls.
8. Don't panic if you get sued. Get an attorney to answer the summons and go to court for you. A lot of debt collection companies lose the case because they DO NOT have PROOF that you owe the debt. When they sue YOU they have to PROVE you owe. When they purchase the debt they usually do not have what they need to win a case. They are hoping to win because you don't know your rights.
good to know others are reporting this debt collection service which choses not to obey the fdcpa. i got a call friday from this number, asking for a person with a certain korean name. I truthfully told them I don't know anyone by that name and I've had this number (which has been a cellphone number for 2 years) for 5 years, and that for months I've been telling people who call under that subterfuge the same thing and not to call me again. The caller acknowledged being in debt collection (tho not the company name) and said they'd only had the account since november 3 and would not call back.
I'm not holding my breath, since the calls escalated after I reported some of my health insurance company's unethical practices to Virginia, the state that insurer insists is most favorable to them in not enforcing its laws and regulations (tho the insurer also boasts of its friends among "all regulators" state and federal and told me to check my policy's gag provisions while advertising both its "quality" and affiliation with United Healthcare and its big-data practices). Yup, I'm crazy enough to still refuse to pay a bill backed by altered electronic medical records, although my health insurer wins (as it says it always does) because I'm not getting treated for the medical condition it diagnosed soon after I subscribed (fyi it insists on its property right on keeping my diagnosis date as that of the first multi-party complaint letter, all hand-delivered and mailed copies of which my insurer says it never received)
Missed the call from this number, called back and had to be transferred three times before finally reaching someone in the correct department. Had to tell them 3 times that I have no idea what the phone call is in regards to since they wouldn't leave a voicemail. By the third time I was asked the reason for calling and if I was calling from the phone number I received the call on, they proceeded to ask for someone not even remotely close to my name and it was a male (i am a woman). however, they verified my phone number three times and then said that they couldn't find me in the system under my phone...if that's the case, why are you calling? they had no response to this question (and yes, it was meant as a rhetorical question).
All three people I had to speak with were borderline rude and incompetent.