They use the term "mediation" to try to make you believe they don't have to follow the FDCPA. They do, end of that story.
This is a common ploy by criminals masquerading as debt collectors who are attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt. One of the tricks they use is to call your work place, friends, or relatives repeatedly in an attempt to shame you into paying. They also use the “process server” ruse who calls and claims he is going to serve you, but then says you could avoid it by calling another number
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
Received a call from a company claiming to be a mediation company and trying to settle a debt that I owe to Alpine Direct Services. A co-worker called back to get the company name since they wouldn't provide me any information
They use the term "mediation" to try to make you believe they don't have to follow the FDCPA. They do, end of that story.
This is a common ploy by criminals masquerading as debt collectors who are attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt. One of the tricks they use is to call your work place, friends, or relatives repeatedly in an attempt to shame you into paying. They also use the “process server” ruse who calls and claims he is going to serve you, but then says you could avoid it by calling another number
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.
Web site lists them in South Carolina: http://www.omegamediations.org/contact.html
That address comes back to a different debt collector: http://yourreasonablesolution.com/contact/
Using the catch phrase “pre litigation”.
BBB gives them no rating and no complaints, but the file was only opened January 28, 2016: http://www.bbb.org/charlotte/business-reviews ... -hill-sc-462331
BBB gives Reasonable Solutions no rating with 1 complaint: http://www.bbb.org/charlotte/business-reviews ... -hill-sc-415505
No corporate registration found for Omega, so they are not legally allowed to do business.
South Carolina Dept. of State info on Reasonable Solutions, note they haven’t been in business a whole year yet:
REASONABLE SOLUTIONS, LLC
Note:This online database was last updated on 2/2/2016 3:05:37 AM.
See our Disclaimer.
DOMESTIC / FOREIGN: Domestic
STATUS: Good Standing
STATE OF INCORPORATION
/ ORGANIZATION: SOUTH CAROLINA
Profit
REGISTERED AGENT INFORMATION
REGISTERED AGENT NAME: HARRIET JACKSON
ADDRESS: 331 E MAIN ST
CITY: ROCK HILL
STATE: SC
ZIP: 29730
SECOND ADDRESS:
FILE DATE: 02/13/2015
EFFECTIVE DATE: 02/13/2015
DISSOLVED DATE: / /
Corporation History Records
CODE FILE DATE COMMENT Document
Domestic LLC 02/13/2015 SCBOS Filing: AT WILL
Looks like they were sued already:
http://www.law360.com/cases/5661f7e31da9fb3076000001
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
These guys have been calling my cell phone for over a year looking for someone named chachi bachi . I have been telling the i am not this person and i have no idea who this person is. Also when i ask for the company name i was told it was miller start associates.