(800) 880-3395

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  - Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then **** up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!RE Account #   Amount in Dispute: $    Account #  Dear  :I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted a***n by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt****erted herein, but at this time I am under no obligation to respond.   Sincerely,Your NameAddressCity, state Zip Certified Mail#:  In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have ***ned on my own fighting two lawsuits without an Attorney.I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, so****ing throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband s****ed his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!   A***n I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your cir***stances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am a***n just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at [email protected].© petmommy copyright 2009 All rights reserved

We just got this same phone call from Mrs. Winters, I am glad I looked this up before even thinking about paying it.

recieved a cal from this number saying that it was an attorney and it was regarding my checking acct....now why would they be calling me when my bank handles any fraud on my acct. tried calling back but the phone just rings

got a message from "Mrs Winters" and asked to call back the "legal department" regarding my checking account

This is a scam.  I hope you didn't give them your credit card or debit card number like they asked for me to do!!!

This is a total SCAM that needs to be reported whenever you hear from them.  They called me from another phone number in Houston, TX, saying only they were with CCA.  When I asked what CCA stood for, I was told "Check Collection Agency", however, when I called the 800-phone number given here, I was told it stood for Check Collections of America.  They said they were calling regarding the balance on my checking account and said I needed to call the phone number listed here to get it straightened out.  When I called, they said I wrote a check to a department store locally and gave a date that was well over a year old.  They gave me the supposed amount of the check and said it had come back NSF and they needed it taken care of or further legal action would be taken.  I called my bank and no such check had been written, and since I have overdraft protection on my checking account, the check would have cleared anyway.  This CCA place said I need to give them my credit card or debit number to them over the phone, or I could mail a cashier's check or money order to them.  This stinks to high heaven.  If you get a phone call from these people, I suggest calling the local Houston Police at 713-884-3131.

would like to talk to a supervisior but cant get thru mary teagh, < decided to let my atty handle it with mary teagh because i took care of the problem within 30 min. after contacting them about it and that was over a month ago but they failed to contact and inform teleacheck that they had recieved payment> she explaned to me that if i messed with her it would be a year before i could write a check a***n if ever is this the kind of people that shiuld be in that business

These people keep calling my phone even though I don't know the people she asks for. The couple she is calling writes a lot of bad checks and has my home number on the bad checks. This is probably a legit collector - but, they won't believe they are calling a wrong number - I've asked them to check with the phone company to verify but they just won't do it.

left message to call "Brenda" at CCA at the 800#. will not call back.

Lady called said her name was ms. sunners.  gave a case number as well as some other info.  is this company for real.  can they really follow through on threats?

CCA Kim called said about checking account .. gacve case number of 206-***-8111.. Is this a rip off or what ...