(800) 592-5470

I am asking everyone to dateline, go to Chris Heason inve. reporter.  They trying run a scam on you

SHUT THE F*** UP

I got a voicemail from this number today asking for my husband. About the same bs as the other post. "Shavanda" said she had a fraudulent check from my him and it needed to be paid immediately. The really interesting thing is, she left the alleged last 4 of his ssn. Guess what, it's not his. I'm sure when I do talk to them, the first thing I'll be asked is what is the correct social. I guess they think some people are ****** enough to give it. So glad I yahoo'd these idiots before I called back.

He C.Taylor posted on another site. He does work for them.

So you must work for Onpoint you guys are so full of ****, and those threats are illegal.Everyone read below:Debt 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

you guys are ******! i got in so much trouble for not paying a 874$ balance...you wouldnt even believe! i listened to you idiots and didnt pay.a*sholes!

Received a call from OnPoint Investigative Svcs today at work.  A 'Ms. Webb', advised me that she needs to have an address so as to issue a warrant. I asked for what and she advised it was fraudulentcheck charge from 2004.  When I asked her if she could provide me some correspondence as to the amount she was trying to collect, I was advised they don't keep the paperwork, and that she would be willing to make some kind of settlement today.  I then realized she just worked for one of those Junk Debt Collectors.  I then advised Ms Webb that I didn't feel comfortable talking in front of my customers, and she said, "Oh you don't?"  I then advised I needed to get off the phone and she told me that she would be at her desk for another hour and I needed to call her by then.  When I got home, I checked online for the statue of limitations and she was past mine.  If anyone wants to check on this type of collectors, check out 'http://www.creditinfocenter.com/debt/settle_debts.shtml'.  I will have an earful for 'Ms. Webb' if she calls me back tomorrow!

Recieved a call stating they would contact my DA and keep me from being arrested if I payed them in full.  This was because I was supposedly caught on video camera six years ago writing a check on an account that I closed a month later...$350  turned into $3000...This guy acted so nice that he promised not to throw my dead grandmother in jail as a cospiritor because she was used as a reference. I hope all of these bill collectors rot in*****.

Recived a call say that my wife will go to jail check fran=ud i spoke with DANNA  BAKER i have call the AG of Tx

My husband received a call from these people and they told him there was a warrant out for my arrest that he had to immediately pay them $1,400 to keep me out of jail and that to clear up the matter completely we needed to pay $3,000!!!  All of this is due to a pay day money loan for $400.  I called "Ronald Golden" back and asked for his supervisor and he ***g up on me.  I called back and entered a different extension number and reached a Tawanda Clark, when I asked her for a supervisor, she wanted all of my information, when I would not give it to her, she insulted me, told me I needed to get a job and pay them or else and then ***g up on me.  I have already called the Attorney General's office, the sheriff's office and the police department to make a report of them impersonating a peace officer.

My husband received a call from these people and they told him there was a warrant out for my arrest that he had to immediately pay them $1,400 to keep me out of jail and that to clear up the matter completely we needed to pay $3,000!!!  All of this is due to a pay day money loan for $400.  I called "Ronald Golden" back and asked for his supervisor and he ***g up on me.  I called back and entered a different extension number and reached a Tawanda Clark, when I asked her for a supervisor, she wanted all of my information, when I would not give it to her, she insulted me, told me I needed to get a job and pay them or else and then ***g up on me.  I have already called the Attorney General's office, the sheriff's office and the police department to make a report of them impersonating a peace officer.

I got a call from On Point Investigative Services and was told that I owed  $2,679 that needed to be taken care of immediately or they were going to hand it over to the county and a warrant would be issued for my arrest for check fraud. I did not have the money they wanted by the day the told me so they called my aunts house, talked to my mom about the case and asked her to pay $150 this Friday and another $150 the following week then they would set up a payment plan with me for 6 months then he said he would talk to his supervisor for an extension. He then transfered me to county and they explained to me what would happen to me if I failed to pay the amount requesting. They said they would only take payment using a debit or credit card. My mom asked them for an address in order to sent the reamining payments and they said they would only set up payments using either card and agree on wich day of each month payment would be taken out of her account. His name is Danny and said payments had to be made by 5:00on Friday May 14. I don't have a job since I was hurt on the job. Who are these people and is this a legitmate business. I have less than 18 hours by the time they said the payment is due and I certainly don't want to go to jail as they said will happen. Can you imagie, from $300 to $2,679 in just 2 years!I have not gotten a collection notice during that time.

The compnay is Investigate Services and the man who I spoke with had a very threatening and intimidating tone.  He asked if I wanted to lose my job or let my employer know that i have committeed fraud.  I reported them to the Attorney General's office and my local police department.

No response.