Advanced Recovery Management SCAM ALERT! THEIVES!LIARS! FELONS! CON ARTISTS! LANCASTER California

DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.

DO NOT CONTACT THE INDIVIDUAL LISTED IN THE POSTING ABOVE! WE HERE AT THE COLLECTION COMPLAINT BUREAU HAVE DETERMINED THE REPORT TO BE INVALID AND UNTRUE. THE REPORT WAS CREATED BY A COMPETING COLLECTION AGENCY AND IS TRYING TO TARNISH THE GOOD NAME OF GENIUINE AND LEGITAME COLLECTION AGENCIES.

DISCLAIMER**CONTACT US AT THE COLLECTION COMPLAINTS BUREAU TO FILE A REPORT IF YOU FEEL YOU HAVE UNETHICAL OR UNFAIR COLLECTION AGENCY PRACTICES TO REPORT:
REPORT @COLLECTIONCOMPLAINTS.COM


And by the way, what is a 'Complaint General' any way and why does he use YAHOO as his domain and not his own domian. 'Complaint Generals' must not get paid much. Calling yourself a 'Complaint General' is a way to side step representing yourself as a member of law enforcement(WHICH HE IS NOT) or as a person who upholds the law(AN ATTORNEY WHICH HE IS NOT) which IS AGAINST THE LAW.


Now let's review the facts:


Giving your private and priviledged information to a collection agency that gains your trust is hard enough.......But giving it to a complete stranger who is out for his own financial gain that purports himself as a completely made-up entity like a 'complaint general' is just plain foolish.

DO NOT CONTACT THE COMPLAINT GENERAL. IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT

Now I'd like to point out interesting information about the 'complaint general's' testimony.....

Lets place the words, 'complaint general' in the RIP OFF REPORT search engine. Go ahead and do it please. Open up a seperate window in your web browser and enter the words complaint general. Now hit the SEARCH button. Wow! THE COMPLAINT GENERAL AT YAHOO IS LISTED AS A CONTACT FOR ANOTHER COLLECTION AGENCY. Search reports on this agency and you will find that THE AGENCY WHICH COMPLAINT GENERAL WORKS FOR HAS REPORTS ABOUT HIM THAT CLAIM HE IS A SCAM ARTIST, THIEF, AND A FELON. He has an F with the better business bureau and is under investigation from the Ventura County District Attorneys office in Ventura CALIFORNIA. I guess the complaint general has so many reports about his agency he feels that tarnishing the good name of a legitamite agency might make him sleep better at night.


Now let's address the Complaint Generals remarks......

*As far as the remark that the company is run by felons, well that is not true. COMPLAINT GENERAL WORKS FOR ANOTHER COLLECTION AGENCY!!!! AND FROM WHAT WE READ ABOUT HIM, HE IS PORTRAYED AS A THE CRIMINAL NOT US. He is being investigated by the District Attorneys office for his criminal activity and with his own employess putting his crimes out of the horse's mouth, it's only a matter of time before he is prosecuted and put in jail as I can see it.

*Complaint general says that the company he is speaking of is not a real company. We all know that any 'real' company needs a business license in order to conduct business in their city and I'm sure the owners of this company would be more than willing to provide anyone with concerns copies of it.

*Complaint general feel that the company in question is 'stealing accounts' from 'legitamite' companies. Wait what was that. I didnt hear you. I was too busy reading all of the complaints about complaint generals company citing fraud, illegal activity, and criminal action that I didnt catch that. Guess I'll have to judge for myself who the legitamite company is. The one with dozens of complaints about him.....Or the company who has one complaint from the person who has dozens of complaints about him.
Now stealing accounts, thats a little harsh. The company Advanced Recovery Management has worked hard just like any other agency to build its client list and anyone of its clients can attest to how their relationships came to light. We certainly wouldN'T steal accounts to enrich ourselves. We EARN our clients business.

In spite of all this if you do feel that you have been treated unfairly by this or any other collection agency you have recourse. Follow these steps to ensure that your complaint is heard and properly reported and that your issue comes to light:

1.) Contact the company you are dealing with that you feel has mistreated you and try to resolve the issue with their in-house customer service departement. Their is no sense in waisting valuable time and money without giving you agency a chace to resolve the issue first.

Make a log of all phone calls, and messages and be sure to take down names and extension numbers. Ask to speak with management if your dispute inst resolved. Be sure to create a paper trail with all documentation regarding the issue at your disposal in order to make it easier for the both of you.

2.) I you arent able to reach resolution with you matter after giving the company a reasonable amount of time to respond to, It's time to start seeking help.

3.) Lodge a formal complaint with the COLLECTION COMPLAINT BUREAU by emailing them at report@collectioncomplaints.com. Be sure to email them the name of the company you wish to report, the nature of you issue and your contact information. The Collection Complaint Bureau will contact you promptly to address your concerns.

If you still havent recieved the resolution you wish....any of these entities may assist you with your issue:

Your Attorney
Your States Attorney General
Your Congressman

DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.


It is not unusual for people who have fallen behind in paying their bills to have trouble with collection agencies. While collection agencies have a considerable amount of latitude when it comes to collecting debts, the law sets some limits on their conduct. The Fair Debt Collection Practices Act is a federal law which regulates the conduct of bill collectors.

What Is the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act, often referred to as the 'FDCPA', was passed by Congress in response to abusive conduct by collection agencies, and concern that the abuses were causing an increase in the filings of personal bankruptcies. The purpose of the Act is to provide guidelines for collection agencies which are seeking to collect legitimate debts, while providing protections and remedies for debtors.

What Types of Debts Are Covered?
The FDCPA applies to personal, family, and household debts, including debts associated with the purchase of a car, for medical care, for retail financing, for first and second mortgages, and for money owed on credit card accounts. Please note that most states have similar laws, which typically proscribe the same types of misconduct by debt collectors and which may cover a broader range of debts than the federal law.


DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.


What Debt Collectors Are Covered By The Act
The act regulates the conduct of debt collectors: any person who regularly collects debts owed to others. This definition includes lawyers who perform debt collection services on a regular basis. Even where money is legitimately owed, a debt collector's conduct is restricted by this law.

In-house collection agents are not ordinarily covered by the Act. For example, if you have a store credit card, and the store's own collection department contacts you, the FDCPA does not apply. However if the same store uses an outside collection agency to contact you in relation to that same debt, the outside agency's conduct is restricted by the FDCPA. Similarly, if the same store uses an in-house collection agent, but suggests to you that the collection is being performed by a third party, the FDCPA may apply to them as a result of that representation.

Please note that there may be other laws in your state which restrict the conduct of in-house collection agents.

DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.

What Restrictions Are Imposed On Collection Agencies By The FDCPA?
The FDCPA restricts debt collectors from engaging in conduct including the following:

Contacting a third party who does not owe the debt, such as a relative, neighbor, or your employer. Co-signers to the debt, however, may be contacted by the debt collector;

Threatening to refer your account to an attorney, harm your credit rating, repossession or garnishment, without actual intention of action on the threat. Please note that a debt collector may warn you of an actual impending intention to refer your case to an attorney or to report your debt to a credit agency. What they cannot do is use a false threat to try to intimidate you into paying;

Making repeated telephone calls or telephone calls at unreasonable times. The act defines unreasonable times as contat before 8:00 AM or after 9:00 PM, unless you have given the debt collector permission to contact you during those hours;

Placing telephone calls to an inconvenient place. For example, contacting you at work in violation of a policy by your employer that is known to the debt collector or following a request by you that they not contact you at work;

When placing a telephone call to you at work, informing your employer of the purpose of the call, unless first asked by the employer;

Using obscenity, racial slurs or insults;

Sending letters which appear to have come from a court;

Seeking collection fees or interest charges not permitted by your contract or by state law;

DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.

Requesting post-dated checks with the intention to prosecute if they bounce;

Suing in courts far removed from your place of residence;

Making certain false representations in association with efforts to collect the debt, including the false claim that the person contacting you in relation to the debt is an attorney, falsely claiming to have started a lawsuit, using a false name, or using stationery that is designed to look like an official court or government communication;

Using false claims to collect information about the debtor, such as pretending to be conducting a survey;

Threatening you with arrest if you do not pay the debt.

Who May A Debt Collector Contact About My Debt?
If you have an attorney, you can instruct the debt collector to make all inquiries about the debt through your attorney. Once the debt collector has been instructed to make inquiries through your attorney, they should no longer make any direct contact with you.

If you do not have an attorney, the debt collector may make only those inquiries necessary to determine where you live, what your phone number is, and where you work. If your current address is not known, the debt collector may be permitted to send a single letter to your last known employer inquiring about your present address. Ordinarily, other than your attorney, a debt collector may make only one inquiry about you with any given third party.

What Must The Debt Collector Tell You About The Debt?
Within five days of their first contact with you, the debt collector must send you a written notice telling you:

How much money you reportedly owe;
The name of the creditor to whom the debt is owed;
That unless you, within thirty days after receipt of the notice, dispute the validity of the debt or any portion thereof, the debt will be assumed valid by the debt collector;
That if you dispute the debt in full or in part within that thirty day period, the debt collector will obtain verification of the debt and mail it to the consumer; and
That upon your written request within the thirty day period, the debt collector will provide you with the name and address of the original creditor, if different from the current creditor.
The first notice must also include a warning known as the 'Mini-Miranda Warning', which must state that the communication is from a debt collector and that any information obtained may be used to collect the debt. Except for pleadings associated with a legal action, all subsequent communication from the debt collector must also include this warning.

Please note that the thirty day notice requirement does not limit the debt collector from taking other measures to collect the debt during that initial thirty day period, as long as its action is not inconsistent with your right to contest the debt under the FDCPA.

What If You Don't Want The Collection Agency To Contact You?
If you wish the debt collector to stop contacting you, you must send the collection agency a written notice instructing them to stop. Once the collection agency receives that letter, they may contact you only one additional time to notify you that the collection agency or creditor intends to take a specific action in relation to the debt.

Sending this type of notice does not resolve the debt. For example, the creditor may file a lawsuit against you in order to collect the debt, even if you prohibit further contact by the collection agency.


What If You Dispute The Debt?
If, within thirty days after receiving written notice of the debt from the debt collector, you send the collection agency a letter stating that you do not owe the money, the debt collector must stop contacting you. The notice must be in writing, and must be hand delivered or postmarked within thirty days of the first written notice from the debt collector.

The debt collector may renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount claimed by the creditor.


What Remedies Are Available If The Debt Collector Violates The Law
Under the Fair Debt Collection Practices Act, you have the right to sue a debt collector in state or federal court within one year from the date of the violation. If you win, you may recover damages in the amount of any losses you suffered as a result of the violation, plus an additional amount of up to $1,000.00. You may also be able to recover court costs and attorney fees.


Where Can I Report Legal Violations By Debt Collectors?
In most states, you may report the agency's conduct to the state Attorney General's office.

You may also contact the Federal Trade Commission (FTC) if you have a problem with an out-of-state debt collection agency.

DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.

Gary,

Post the full names of these scammers here!
Post ALL contact information, etc.

How do you know they are convicted felons?
Convicted of what?

How do you know they are stealing the accounts?
Stealing from what agency?

Expose these freaks!

Gary,

Post the full names of these scammers here!
Post ALL contact information, etc.

How do you know they are convicted felons?
Convicted of what?

How do you know they are stealing the accounts?
Stealing from what agency?

Expose these freaks!

Gary,

Post the full names of these scammers here!
Post ALL contact information, etc.

How do you know they are convicted felons?
Convicted of what?

How do you know they are stealing the accounts?
Stealing from what agency?

Expose these freaks!

Gary,

Post the full names of these scammers here!
Post ALL contact information, etc.

How do you know they are convicted felons?
Convicted of what?

How do you know they are stealing the accounts?
Stealing from what agency?

Expose these freaks!

DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.

DO NOT CONTACT THE INDIVIDUAL LISTED IN THE POSTING ABOVE! WE HERE AT THE COLLECTION COMPLAINT BUREAU HAVE DETERMINED THE REPORT TO BE INVALID AND UNTRUE. THE REPORT WAS CREATED BY A COMPETING COLLECTION AGENCY AND IS TRYING TO TARNISH THE GOOD NAME OF GENIUINE AND LEGITAME COLLECTION AGENCIES.

DISCLAIMER**CONTACT US AT THE COLLECTION COMPLAINTS BUREAU TO FILE A REPORT IF YOU FEEL YOU HAVE UNETHICAL OR UNFAIR COLLECTION AGENCY PRACTICES TO REPORT:
REPORT @COLLECTIONCOMPLAINTS.COM


And by the way, what is a "Complaint General" any way and why does he use YAHOO as his domain and not his own domian. "Complaint Generals" must not get paid much. Calling yourself a "Complaint General" is a way to side step representing yourself as a member of law enforcement(WHICH HE IS NOT) or as a person who upholds the law(AN ATTORNEY WHICH HE IS NOT) which IS AGAINST THE LAW.


Now let's review the facts:


Giving your private and priviledged information to a collection agency that gains your trust is hard enough.......But giving it to a complete stranger who is out for his own financial gain that purports himself as a completely made-up entity like a "complaint general" is just plain foolish.

DO NOT CONTACT THE COMPLAINT GENERAL. IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT

Now I'd like to point out interesting information about the "complaint general's" testimony.....

Lets place the words, "complaint general" in the RIP OFF REPORT search engine. Go ahead and do it please. Open up a seperate window in your web browser and enter the words complaint general. Now hit the SEARCH button. Wow! THE COMPLAINT GENERAL AT YAHOO IS LISTED AS A CONTACT FOR ANOTHER COLLECTION AGENCY. Search reports on this agency and you will find that THE AGENCY WHICH COMPLAINT GENERAL WORKS FOR HAS REPORTS ABOUT HIM THAT CLAIM HE IS A SCAM ARTIST, THIEF, AND A FELON. He has an F with the better business bureau and is under investigation from the Ventura County District Attorneys office in Ventura CALIFORNIA. I guess the complaint general has so many reports about his agency he feels that tarnishing the good name of a legitamite agency might make him sleep better at night.


Now let's address the Complaint Generals remarks......

*As far as the remark that the company is run by felons, well that is not true. COMPLAINT GENERAL WORKS FOR ANOTHER COLLECTION AGENCY!!!! AND FROM WHAT WE READ ABOUT HIM, HE IS PORTRAYED AS A THE CRIMINAL NOT US. He is being investigated by the District Attorneys office for his criminal activity and with his own employess putting his crimes out of the horse's mouth, it's only a matter of time before he is prosecuted and put in jail as I can see it.

*Complaint general says that the company he is speaking of is not a real company. We all know that any "real" company needs a business license in order to conduct business in their city and I'm sure the owners of this company would be more than willing to provide anyone with concerns copies of it.

*Complaint general feel that the company in question is "stealing accounts" from "legitamite" companies. Wait what was that. I didnt hear you. I was too busy reading all of the complaints about complaint generals company citing fraud, illegal activity, and criminal action that I didnt catch that. Guess I'll have to judge for myself who the legitamite company is. The one with dozens of complaints about him.....Or the company who has one complaint from the person who has dozens of complaints about him.
Now stealing accounts, thats a little harsh. The company Advanced Recovery Management has worked hard just like any other agency to build its client list and anyone of its clients can attest to how their relationships came to light. We certainly wouldN'T steal accounts to enrich ourselves. We EARN our clients business.

In spite of all this if you do feel that you have been treated unfairly by this or any other collection agency you have recourse. Follow these steps to ensure that your complaint is heard and properly reported and that your issue comes to light:

1.) Contact the company you are dealing with that you feel has mistreated you and try to resolve the issue with their in-house customer service departement. Their is no sense in waisting valuable time and money without giving you agency a chace to resolve the issue first.

Make a log of all phone calls, and messages and be sure to take down names and extension numbers. Ask to speak with management if your dispute inst resolved. Be sure to create a paper trail with all documentation regarding the issue at your disposal in order to make it easier for the both of you.

2.) I you arent able to reach resolution with you matter after giving the company a reasonable amount of time to respond to, It's time to start seeking help.

3.) Lodge a formal complaint with the COLLECTION COMPLAINT BUREAU by emailing them at report@collectioncomplaints.com. Be sure to email them the name of the company you wish to report, the nature of you issue and your contact information. The Collection Complaint Bureau will contact you promptly to address your concerns.

If you still havent recieved the resolution you wish....any of these entities may assist you with your issue:

Your Attorney
Your States Attorney General
Your Congressman

DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.


It is not unusual for people who have fallen behind in paying their bills to have trouble with collection agencies. While collection agencies have a considerable amount of latitude when it comes to collecting debts, the law sets some limits on their conduct. The Fair Debt Collection Practices Act is a federal law which regulates the conduct of bill collectors.

What Is the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act, often referred to as the "FDCPA", was passed by Congress in response to abusive conduct by collection agencies, and concern that the abuses were causing an increase in the filings of personal bankruptcies. The purpose of the Act is to provide guidelines for collection agencies which are seeking to collect legitimate debts, while providing protections and remedies for debtors.

What Types of Debts Are Covered?
The FDCPA applies to personal, family, and household debts, including debts associated with the purchase of a car, for medical care, for retail financing, for first and second mortgages, and for money owed on credit card accounts. Please note that most states have similar laws, which typically proscribe the same types of misconduct by debt collectors and which may cover a broader range of debts than the federal law.


DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.


What Debt Collectors Are Covered By The Act
The act regulates the conduct of debt collectors: any person who regularly collects debts owed to others. This definition includes lawyers who perform debt collection services on a regular basis. Even where money is legitimately owed, a debt collector's conduct is restricted by this law.

In-house collection agents are not ordinarily covered by the Act. For example, if you have a store credit card, and the store's own collection department contacts you, the FDCPA does not apply. However if the same store uses an outside collection agency to contact you in relation to that same debt, the outside agency's conduct is restricted by the FDCPA. Similarly, if the same store uses an in-house collection agent, but suggests to you that the collection is being performed by a third party, the FDCPA may apply to them as a result of that representation.

Please note that there may be other laws in your state which restrict the conduct of in-house collection agents.

DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.

What Restrictions Are Imposed On Collection Agencies By The FDCPA?
The FDCPA restricts debt collectors from engaging in conduct including the following:

Contacting a third party who does not owe the debt, such as a relative, neighbor, or your employer. Co-signers to the debt, however, may be contacted by the debt collector;

Threatening to refer your account to an attorney, harm your credit rating, repossession or garnishment, without actual intention of action on the threat. Please note that a debt collector may warn you of an actual impending intention to refer your case to an attorney or to report your debt to a credit agency. What they cannot do is use a false threat to try to intimidate you into paying;

Making repeated telephone calls or telephone calls at unreasonable times. The act defines unreasonable times as contat before 8:00 AM or after 9:00 PM, unless you have given the debt collector permission to contact you during those hours;

Placing telephone calls to an inconvenient place. For example, contacting you at work in violation of a policy by your employer that is known to the debt collector or following a request by you that they not contact you at work;

When placing a telephone call to you at work, informing your employer of the purpose of the call, unless first asked by the employer;

Using obscenity, racial slurs or insults;

Sending letters which appear to have come from a court;

Seeking collection fees or interest charges not permitted by your contract or by state law;

DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.

Requesting post-dated checks with the intention to prosecute if they bounce;

Suing in courts far removed from your place of residence;

Making certain false representations in association with efforts to collect the debt, including the false claim that the person contacting you in relation to the debt is an attorney, falsely claiming to have started a lawsuit, using a false name, or using stationery that is designed to look like an official court or government communication;

Using false claims to collect information about the debtor, such as pretending to be conducting a survey;

Threatening you with arrest if you do not pay the debt.

Who May A Debt Collector Contact About My Debt?
If you have an attorney, you can instruct the debt collector to make all inquiries about the debt through your attorney. Once the debt collector has been instructed to make inquiries through your attorney, they should no longer make any direct contact with you.

If you do not have an attorney, the debt collector may make only those inquiries necessary to determine where you live, what your phone number is, and where you work. If your current address is not known, the debt collector may be permitted to send a single letter to your last known employer inquiring about your present address. Ordinarily, other than your attorney, a debt collector may make only one inquiry about you with any given third party.

What Must The Debt Collector Tell You About The Debt?
Within five days of their first contact with you, the debt collector must send you a written notice telling you:

How much money you reportedly owe;
The name of the creditor to whom the debt is owed;
That unless you, within thirty days after receipt of the notice, dispute the validity of the debt or any portion thereof, the debt will be assumed valid by the debt collector;
That if you dispute the debt in full or in part within that thirty day period, the debt collector will obtain verification of the debt and mail it to the consumer; and
That upon your written request within the thirty day period, the debt collector will provide you with the name and address of the original creditor, if different from the current creditor.
The first notice must also include a warning known as the "Mini-Miranda Warning", which must state that the communication is from a debt collector and that any information obtained may be used to collect the debt. Except for pleadings associated with a legal action, all subsequent communication from the debt collector must also include this warning.

Please note that the thirty day notice requirement does not limit the debt collector from taking other measures to collect the debt during that initial thirty day period, as long as its action is not inconsistent with your right to contest the debt under the FDCPA.

What If You Don't Want The Collection Agency To Contact You?
If you wish the debt collector to stop contacting you, you must send the collection agency a written notice instructing them to stop. Once the collection agency receives that letter, they may contact you only one additional time to notify you that the collection agency or creditor intends to take a specific action in relation to the debt.

Sending this type of notice does not resolve the debt. For example, the creditor may file a lawsuit against you in order to collect the debt, even if you prohibit further contact by the collection agency.


What If You Dispute The Debt?
If, within thirty days after receiving written notice of the debt from the debt collector, you send the collection agency a letter stating that you do not owe the money, the debt collector must stop contacting you. The notice must be in writing, and must be hand delivered or postmarked within thirty days of the first written notice from the debt collector.

The debt collector may renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount claimed by the creditor.


What Remedies Are Available If The Debt Collector Violates The Law
Under the Fair Debt Collection Practices Act, you have the right to sue a debt collector in state or federal court within one year from the date of the violation. If you win, you may recover damages in the amount of any losses you suffered as a result of the violation, plus an additional amount of up to $1,000.00. You may also be able to recover court costs and attorney fees.


Where Can I Report Legal Violations By Debt Collectors?
In most states, you may report the agency's conduct to the state Attorney General's office.

You may also contact the Federal Trade Commission (FTC) if you have a problem with an out-of-state debt collection agency.

DISCLAIMER***IF YOU FEEL YOU HAVE BEEN THE VICTIM OF UNFAIR OR UNETHICAL BUSINESS PRACTICES USING A COLLECTION AGENCY, CONTACT US AT: REPORT@COLLECTION COMPLAINTS.COM TO FILE A REPORT.