(269) 509-4104

I received three calls from this number today. The third time I got a voicemail saying that they were calling for T-mobile. The person they were calling for is a man named Mike. I don't know this person.

This is a coll from ARS National Services. ARS National Services is a large collection agency with a home base in Rancho Cuca****a, California. They host 5 different call centers. They have had many complaints are are often rude and very unprofessional.

getting many calls from 269-509-0047.  Wayland Mi is the 509 code.  Looking for son who has a bad debt from Alltel (Verizon).  Say they are a collection agency but won't give me the caller's name or their company name.  My son doesn't live with me.  Told them to stop calling as he doesn't live here and was told this is the only number we have so we will continue to call.

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOUREAD DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATEYou  can also post your questions here http://www.collector***posed.com/forum2/index.phpThese links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspxDebt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEM***ealing with Debt Collectors Http://www.budhibbs.com/First.htm        Statute of Limitations by State – always double check YOUR OWN STATE Government Website http://www.budhibbs.com/statute_of_limitations.htmRecording calls from Debt Collectors - always double check YOUR OWN STATE Government Websitehttp://www.budhibbs.com/record.htmFrom Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT Debt Collection FAQs: A Guide for ConsumersIf 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 (****ly 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 a***n, 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 do***ent what the collector received. Once the collector receives your letter, they may not contact you a***n, 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 a***n 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 a***nst 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 do***ent 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 a***nst you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order a***nst 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****istance     Railroad Retirement Benefits     Merchant ****** Wages     Longs****men’s and Harbor Workers’ ***** and Disability Benefits     Foreign Service Retirement and Disability Benefits     Compensation for Injury, *****, or Detention of Employees of U.S. Contractors Outside the U.S.     Federal Emergency Management Agency Federal Disaster****istance But federal benefits may be garnished under certain cir***stances, 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 a***nst 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 InformationTo 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.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 ***dreds of civil and criminal law enforcement agencies in the U.S. and abroad February 2009File complaints with Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enYour State Attorney General State Attorney General is every state they have offices Link to all State Attorney General Websites www.naag.orgIf you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.comThis special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S *****ING DOWN AND SHUTTING THEM DOWN!    Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collector***posed.com/forum2/index.php?board=2.0

getting calls from this number, there is NEVER anyone there. When I try to return call to see who it is...it just rings or is busy. I see that it may be a collection agency? But i do not have anything in collections. How do I get these calls to stop?

Caller threatened to abort my unborn daughter when I told her I needed at least 6 months to pay the debt.  She then said unless I wanted a doctor forecabbly abort my unborn child that I needed to pay up or this would happen due to some law?  I told her that we didn't have the $600 and that my child shouldnt be ****ed over a freaking cell phone bill.  I am not sure what to do, they've called 4 times and each time the threats get more personal in nature.  The lady on the phone described the color of my house along with the color of the cars in my driveway then proceed to say that all she had to do was make a call and the her "assistants" would collect in person.  When I instructed her that and people comin to my door would be meet with a ****gun and 2 pit bulls.  She then said that they would follow my wife until she went to a store then get het there before she knoew it.I've called the cops and they laughed.  Thinking of driving up there and meeting them by myself in person.  I am not scared of their tactics but cant keep looking over my shoulder all the time.  I am flying into Michigan next week and may just come pay them a visit since I have their payment address.  Going to hit them before they hit me.  Slit their throats and stick mi c**k in the gaping hole the *******s.

call came in, but ***ody there.

Calls and never leaves a message.

tried calling back but just got a fast ring

Answered the phone today. She asked for my daughter, Mary. I told her Mary hasn't lived here for 3 yrs but I would pass on a message. Ms At***ude said Mary won't call her back and wanted me give her Mary's Number. Told her I couldn't do that and she said she would just keep calling me back. I told her Caller ID is a wonderful thing and to keep on calling if it made her feel good and ***g up on her.

Same here. no message at all.

Just another annoying Collections call.  Don't answer.

yep they called me to. a lady was on the phone she asked for me but twisted my name so i said it was the wrong number. so who is it? some of you have entered different people you think it is? that i don't understand. she had a spanish accent. i have old bills so it is possible it could be that, but with all the sneaky calls going around with scams it is hard to prove who you are talking to. no CA notices in mail?

I just got another call today this time someone was on the phone. The company that called me was****ociated Recovery Systems they are a collection company. The are also are a division of ARS National Services, Inc. Hope this help everyone.

Called me too. Left no message. Also, 269 is the area code for Allegan, Battle Creek, Kalamazoo/Portage, Otsego/Plainwell, St. Joseph/Benton Harbor, and South Haven, Michigan. No idea who this is.

Why are the calling Verizon Customers? When they are with Sprint. No one even answer the phone when I picked up the call.

Just received same call from this number. No message left.Funny how so many people are receiving calls from this number today. 3/20/08

Left no message

Called my Sprint cell phone...no message left.

Left no message