(904) 527-8635

this is another s*** bag collection agency out of jacksonville florida. they do business with philip henson from the ellis crosby scam. if you get any calls, you need to report them to the attorney generals office.

Some people have lost their jobs due to the economy and do not have the income to pay their bills at this time and I feel the companies they owe should understand.

THEY ARE TRYING TO EXTORT MONEY YOU DO NOT OWEClaiming to be an inspector - implies they are a government agency and that is ILLEGAL.  If they s**** their first contact with threats of lawsuit - ITS ILLEGAL.they are required by FDPCA to send you do***ention from the original creditor that proves you owe the debt!  read about what is legal and not legal!COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers****istance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRYDealing with debt collectorshttp://www.budhibbs.com/s****.htmlStatute of limitations by state – always double check directly with your own State Government Websitehttp://www.budhibbs.com/statute_of_limitations.htmRecording calls from debt collectors – always double check with your own State Government websitehttp://www.budhibbs.com/record.htmFrom FEDERAL TRADE COMMISSION WEBSITEhttp://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtmThe 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.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; orrepeatedly 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; orindicate 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; orlegal 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; oruse 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; orcontact 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 BenefitsSupplemental Security Income (SSI) BenefitsVeterans’ BenefitsCivil Service and Federal Retirement and Disability BenefitsService Members’ PayMilitary Annuities and Survivors’ BenefitsStudent****istanceRailroad Retirement BenefitsMerchant ****** WagesLongs****men’s and Harbor Workers’ ***** and Disability BenefitsForeign Service Retirement and Disability BenefitsCompensation for Injury, *****, or Detention of Employees of U.S. Contractors Outside the U.S.Federal Emergency Management Agency Federal Disaster****istanceBut 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.

if fdcpa is broken just pay your debits and people would call you quit trying to get out paying what you borrowed good luck be honest and you will go along way rember jesus says thow shall not steal or lie so just do right and you willbe blessed         god bless you

They called me a month or so back, claiming they have a video tape of me recieving money from a payday lender.  She kinda chuckled and said that she knows i didn't steal the money, but if i don't pay 280.00 within the hour she was going to go downtown and put a warrant out for my arrest.  Well i called the DA's office, the State banking commission who governs the laws of check cashing companies, and even the Federal Trade Commission.  What happened is the lender i wrote the check out to sold this account to these people, National check processing   They are not willing to work with you at all on payments, unless you make the whole thingMoney gram.  ***...who ever heard of a collection agency demanding money up front like that.  They never called me back either.  I know the debt is owed and I don't mind paying the debt back.

Anybody that gets a call from these people, please report them to the Federal Trade Commission and The Florida Attorney General. You can file complaints online at both places. The more people that complain the faster they will check into this company. So please, please, file a complaint.The Attorney General's website is http://myfloridalegal.com/Contact.nsf/Contact ... Economic_CrimesThis website takes you straight to the online consumer complaint form. The Federal Trade Commission's website is https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enThis website takes you straight to the online consumer complaint form.

stay off the internet and getting payday loans and pay them back and you wont have people calling you

stay off the internet and getting payday loans and pay them back and you wont have people calling you

stay off the internet and getting payday loans and pay them back and you wont have people calling you

its not a scam they are good peolpe they hel[p me so i didnt have to file bankrupty or get any legal trouble i wrote the checks and i was given money when ineed thanks to ncp and ms carmicheal she got me through this

Lady named Elizabeth called.  Threatened.  Rude.  Reported to law enforcement.  Penalty for debt collectors or supposed debt collectors for threats is a $1000 fine according to DA and Fair Debt Act.

WELL   PEOPLE NEED TO STOP THE SLANDER AND PAY THE DEBTS THAT ARE OWED THE SIGHT WILL BE UNDER INVESTION  SO FIND SO****ONG BETTER TO DO WITH YOUR TIME

Someone from this # called both my work phone and my cell phone. When they called work they got voicemail but no message but the message they left on my cell was very threatening. The woman stated that I had until close of business today to call them because their office had come to a final conclusion on my "case file" and that it was a serious matter - she "strongly urged" that I did not diregard the message. I don't even have any idea what "bill" they are trying to collect on. No one has told me details. Do they think I am just going to pay them? Uh no! I think that it's a collection from a "supposed" pay day loan that I already paid back! But they are trying to turn it into a larger amount. NOPE! I paid back what I borrowed plus fees -so they can find someone else to harrass!

9045278635 - Local Results  National Check Processing - - (904) 527-8635 - 10605 Theresa Dr, #6, Jacksonville, FL - mapCALL 904-672-6024 FOR THE OWNER

received a call at my job from Law Office of Lavern Carmichael. Said if I did not pay money in two hours that they would arrest me. They called from 904-527-8635. Some rude lady named Cynthia claimed I owed this money,which I have paid all of my debts. So thats why I new it was a scam. She told me to money gram money to NCP at 7318. They must be commiting a crime by saying they are a law office. They also would not give me the number to SSM Group, whom I borrowed the money from in the first place.

I received a call from a friend of mine today that said they received a call from ms carmichale claiming to be a FBI agent and that she was listed as a witness on a case of mine that he was working on.  He wanted my cell number and some other information about me from her.  She took his information down and gave no information out to him. She then called me to let me know that he was calling to get information about me.  I am reporting them a***n to the FTC and Attorney General's office.  I have had the same call at my job in the last month and wish someone would do so****ing with these people.  This is the biggest scammers ever and they are breaking all kinds of federal laws by just representing themselves as government officials

THIS LADY CALLED FROM 904-527-8635 SHE SD SHE WAS CALLING FROM DIVISON 205 IN TARRANT COUNTY AND THAT I WROTE A CHECK A CHECK TO AFFORABLE CASH LOANS AND THAT THE POLICE ARE ON THEIR WAY TO GET ME AT ME JOB *** WHAT SHOULD DO I ***G UP ON HER

I received a Phone call from a lady by the name of Elivia who said I will be process today at my job and be terminated if I do not get money money gram #7318 and ref acct case # 13158 to them by 11:00am this morning.  I already notified my Job about this treat ! And I called police dept and made a report online.

a woman named laverne carmichale called at wk and sd the police would come arrest me if i did not pay my check by 2pm at money gram rec code 7318 pay to ncp

complaints need to be made to money gram  a guy named Rubin 720-568-8417 recivier code 7318 such this people down ! They told my wife she was going to jail and they would come get her on her job ! SCAMMERS

ITS NOT A SCAM QUIT TRYING TO GEET FREE MONEY U R A WORTHLES DEBTOR PAY YOUR BAD CHECK

Called at work with a threat.  Turned into AG office.  This is a scam!