bogus robocall from portfolio recovery supposedly looking for someone I don't know and then asking for my personal information...ugh...so while they are a "debt collector" all that means is that they are spoofing the system to get around the DNC laws and then fishing to see if they can't spoof you out of money...if you think you might owe then pay them some....except I don't owe, never did....
Wrong! Take action..
Portfolio:
http://consumerist.com/2015/05/19/jury-hits-d ... ogus-1130-debt/
http://800notes.com/forum/ta-ceba95f52112a47/cfpb-settles-cases
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.
Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
https://www.ftc.gov/news-events/press-release ... rtners-announce
Follow the steps in what you need to know here:
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350
The DNC does not apply to debt collectors, they fall under the FDCPA laws. See Big A's and my posts above and go for their throats. They just lost a mega law suit for calling the wrong people.
""debt collector" all that means is that they are spoofing the system to get around the DNC laws " The DNC laws were set up to provide relief from telemarketers, defined as people selling something. Debt collectors were never intended to be included. Which is why they have a law specifically for them called the Fair Debt Collection Practices Act (FDCPA) and numerous state laws as well. So it would behoove you read the above posts and learn something, make reports, and find a lawyer to sue them,. If everyone did what they should do, then these cretins would be bankrupt and out of business.