That is highly illegal for them to call at work and discuss your personal business, please report to the FDIC.
I just got a call from this number telling me to either call back or have my attorney call. I dialed back and got someone with a very British accent on an voice message. No idea who it could be.
I keep getting calls at work. I answer the main number and tell them I'm not here because I cannot take personal calls. They tell me "Glenda has won a settlement and I'm just trying to let her know" Right. Then they say, "Glenda just called me and I'm returning her call" I keep saying, "Glenda isn't here, and she can't take personal calls"
They then asked to speak to my human resources dept. to garnish my wages. I called their 800 number and asked to speak with someone regarding their employee calling my work number and threatening to garnish my wages. The woman asked me my last name. I told her I wasn't giving her any information until I spoke with someone from her company first. She told me she was ending the phone call. I thought so. Stupid people.
COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers. THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY
Nations Recovery Center
6491 Peachtree Industrial Blvd.
With over 6000 collection agencies in the US, you really have to go out of your way to make our puny list of 300. These guys have coasted under the radar for a long time, but now, thanks to Officer Jackson, they've found a home here.
NEVER give them any information on your bank/credit accounts, or post-dated checks. YOU WILL REGRET IT!!
Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.
What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.
Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.
How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.
Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.
What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.
Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.
What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren’t; or
indicate that papers they send to you aren’t legal forms if they are.
Debt collectors also are prohibited from saying that:
you will be arrested if you don’t pay your debt;
they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.
Debt collectors may not:
give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn’t; or
use a false company name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.
Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.
Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.
Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members’ Pay
Military Annuities and Survivors’ Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.
Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.
What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.
Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.
For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
MORE INFO - this proves how fraudulent this debt collector is - they have employees impersonatng the POLICE to EXTORT MONEY FROM THOSE WHO DO NOT OWE IT!
A debt collector who works for the company below has been arrested for Impersonating a Police Officer. His uniform was very real featuring fake badges, REAL LOADED FIREARMS, REAL Fulton County Police patches, fake Fulton County police ID and handcuffs.
The badges themselves state “Sgt. Detective”, “NRC Unit”, “POLICE”. NRC Unit … short for Nations Recovery Center …
Nations Recovery Center Inc 6491 Peachtree Industrial Blvd Doraville, GA 30360 770-234-0383
CEO claims “I had no idea” but he was arrested in full fake “uniform” outside the office …. And the stinking badge said “NRC”!!! And don’t tell me he didn’t make personal visits to those within reasonable driving distance making threats of arrest to collect money.
Credit Collector Accused Of Posing As Police Officer
DORAVILLE, Ga. -- A credit collector has been charged with impersonating a Fulton County police officer. Real officers arrested 39-year-old Joseph Jackson at his workplace in Doraville. Police said Jackson was wearing an officer’s uniform, complete with a fake badge, patches and a firearm.
Jackson works as a trainer at National Recovery Center, a debt collection agency. The CEO of the company told Channel 2 he was shocked by Jackson’s arrest.
VIDEO: Credit Collector Accused Of Impersonating Police Officer
http://www.wsbtv.com/video/18010134/index.html
Police said they are investigating to see if Jackson used the uniform to act out in a law enforcement manner.
“They received a tip Joseph Jackson was impersonating a police officer at that location,” said Lt. Reese Williams with the Doraville Police Department.
Jackson isn’t a real police officer, but investigators said he dressed the part very convincingly. When police caught up with him outside his workplace, he was wearing a full uniform complete with Fulton County patches on it and a gun belt, handcuffs and one of two handguns that police seized.
SLIDESHOW: Items Obtained From Suspected 'Fake Cop'
“When he was confronted about working for the Fulton County Police Department, he did produce a Fulton County police ID, which was fake because the Fulton County police officer we had with us there said it was fake,” said Williams.
Jackson also had a badge with the initials NCR, or National Recovery Center Unit, said police. But the CEO of the company said Jackson had no law enforcement role at National Recovery Center.
“He finally admitted he did not work for the Fulton County Police Department and that’s when he was arrested,” said Williams. Police said they asked Jackson why he was dressed as a cop. “He said to us, he’s always wanted to be a police officer,” said Williams.
Doraville police said Jackson had the proper permits to carry weapons.
He faces felony charges for impersonating a police officer and fraudulent identification.
recieved a call about complaints that this woman had recieved in regards to my employment from 8 years ago.the # was 770-234-0101 with an ext. # when I checked note book information on the call it was from a completely different phone # ? Why would She be getting complaints from an employer that I have not worked for in at least eight years????