Instead of calling the long distance number as they requested I just called back the local number they had used. Selected the Collections option & got a live person. They took my number off. said will take 72 hours to be system-wide..
Left a message asking me to call back at 770-840-8482, but the call originated from 678-461-5952. The message gave them away because they asked for me under a married name from the late 1980s.
Law Offices of Ross Gelfand, LLC
1-800-899-4353 Toll Free
1265 Minhinette Drive
Suite 150
Roswell, Georgia 30075
Phone: (770) 840-8482
Fax: (770) 840-8575
http://www.collectionfirm.net/services.htm
This is a law firm acting as a third party debt collector. They have violated Section 805 of the FDCPA, by calling you at such an outrageous hour:
§ 805. Communication in connection with debt collection [15 USC 1692c]
(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --
(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location...
I receive messages from this company 3-4 times a week at work. I have asked they not call they are rude and continue to harass me. I tried to make payment arrangements with the previous company they denied the terms as I could not meet their 40% of balance requirement to set up a payment plan.
How can I make them go a way since I don't have the money to pay the 5 year old debt. Will this end I hear they can continue to call for years and years. One debt collection agency sells to other agencies what can a consumer who has had to reacess their whole lifestyle do the downturn in the economy do.
I had excellent credit until things changed in the job market and the cost of living (gas, food, etc) skyrocketed. You loose you job or have to take a lesser paying job, what do you do feed your family or pay the debt collector?
You need to file for bankruptcy (like I will be doing, come the New Year). If you can't afford an attorney, contact your local Legal Aid Society for assistance.