Harbor Front Acquisitions LLC, is a debt collector for payday loans. They brought the loan. They left a message saying that they were going to serve papers and if I called them back they would stop the process. I spoke to them as per my rights I asked them to provide in writing the name of the original creditor and the debt validation letter. I provided them with a email so we'll see if they follow through. But you also need the following things that they are not allowed to do:
What a debt collector CANNOT do:
• Use deceptive practices. For example, threaten you with arrest or trick you into paying for collection calls.
• Use obscene language.
• Call you at work after you tell them that your boss does not approve these calls.
• Deny you the right to receive a written notice (within five days after your first phone conversation) that would tell you how much you owe and the name of the creditor that says you owe the money. If you do not receive the notice within five days, call the collection agency and ask for its address and fax number. Then, send a letter to the collector noting its failure to send you the required notice. As a minimum, make a note in your file.
• Refuse to give its name and the name of the collection company when asked.
• Put a debt on your credit report if you file a dispute. It must validate the debt by obtaining a verification of the debt or a copy of a judgment from the creditor before continuing their collection efforts. The results of the investigation must be mailed to you
I received a call last week. They called my dad's number saying they have been trying to reach me which I knew was weird since I never use my father as a reference and I have had the same number for years. I told the woman to send me the information by email regarding a supposed check into cash loan in a city where I NEVER do business. Initially I thought it was legit because they referenced an old BOA account and I thought maybe someone had gotten my information and used it. THEN today, after never receiving any info by email, I got a call from a number with all zeros (0000000000) but when they left a message the ID routed me to the local circuit court. I called the number left on the message (which asked to have 2 pieces of ID) available and they said no summons was issued YET but they would email me again in 15 minutes. Still nothing. I have called my local police department and filed a report. At the very least this is harassment if not fraud. I advise that everyone do the same.
These FOLKS called Me trying to settle a debt one name was John White.. bogus.. he said my bank gave info about my payment, I called my bank and they said we don't give out information without the members consent
Have been receiving calls from a Harbor Front Aquisitions -Very rude, man called my mother about a bad check I wrote and told her that they have court papers to serve to me- I have googled numbers to death to investigate this- I am in the process of cleaning up my credit and any debt I have, so, this is entirely believable -but, this does not sound legit- This morning received a call from 000-000-0000 and the woman states that she is with the Galveston county court and this is regarding papers or a summons and to contact Harbor Front Aquisitions to resolve this or they will proceed with papers-she had my old address from tx ( no longer live there)- HMMMM dont know what to do or think!!