Deceptive calls from- 800-814-6580
Complaint
Terminator ThemNow
Country: United States
The number is from a corporation [NRA] listed in the Pennsylvania State Dept. and in other State's Dept. web pages as a collection agency owned by JILL E. M. and STEVEN C. KUSIC and Shell S. Sharma their home address is: [removed]
These parasites have been in the business for a long time and they collect information and harass people at home or at work and they violate all the legal requirements for collection agencies. Beware they will call pretending to be someone else or some other company to get info. They are Jews without morals or principles. Let's put them out of business and Terminate them now. Find their pictures here: http://www.nationalrecovery.com/files/2007PatriotNewsNetwork.pdf
These parasites have been in the business for a long time and they collect information and harass people at home or at work and they violate all the legal requirements for collection agencies. Beware they will call pretending to be someone else or some other company to get info. They are Jews without morals or principles. Let's put them out of business and Terminate them now. Find their pictures here: http://www.nationalrecovery.com/files/2007PatriotNewsNetwork.pdf
Comments
Debt collectors have no such incentive, expecially with old purchased bad debts. Your reputation with every consumer they contact, including those they contact in error, is in the hands of people who don't give a damn about it. Keep that in mind next time you sell off a bunch of old bad accounts.
"They say a letter has been sent out (which she never got) so she couldn't dispute the fraudulent claim. "
That is a false and deceptive statement used to attempt to con your daughter into paying a debt she does not owe. It is also illegal, under FDCPA. FDCPA requires that they send a letter within 5 days of first contact notifying the alleged debtor that they can dispute and request proof of the debt, and that if they don't do so within 30 days they will assume the debt is valid. If you request validation (proof) of the debt within 30 days of receiving that first letter, then the debt collector cannot engage in any collection activity until they obtain proof from the original creditor and send it to you.
Your daughter never received any letter, so if she requests validation, her request is still covered by the FDCPA prohibition against collection until validation is sent. Just include in the letter the date of their phone call, and that no letters have been received.
Since they appear to be attempting to collect from anyone with a similar name, they may have sent some letter to one of the other people with some similar name to that on the original account. Or they may not have sent any letter at all, which would also be in violation of FDCPA.
That does not relieve them of their obligation to validate debts, and cease collecting from the wrong people. To claim otherwise is deceptive, and also s violation of FDCPA.
Send your letter certified return receipt requested. To continue collection after you confirm their receipt of your validation letter would also be a violation of FDCPA.
Even if you fail to request validation, that does NOT mean the debt IS valid. In fact, FDCPA specifically states that no court can use the failure of a consumer to dispute the alleged debt as proof that it is owed.
See, for example, this case:
http://www.michbar.org/opinions/district/2005/092905/28863.pdf
They have attempted to con your daughter into believing she owes a debt she does not, based on their deceptive statements about sending a letter she never received. That is deceptive collection, and attempted fraud.
Send a letter disputing the debt and requesting the name and address of the original creditor, and that proof that she owes it be obtained from the original creditor and sent. Include in that letter that phone calls are inconvenient. Send that letter certified return receipt requested, and keep copies of all communications.
File complaints with FTC, your state Attorney General, and the Pennsylvania Attorney General, due to their deceptive collection and their failure to send the initial letter required by FDCPA.
PLUS it doesnt prove that NAME answered the phone when an answering machine picks it up !!!
and play the whole message (in cluding the FDCPA illegal announcement of the call is from National Recovery Agency a debt collector - 3rd parties can hear it).
report them !!!
PLUS it doesnt prove that NAME answered the phone when an answering machine picks it up !!!
and play the whole message (in cluding the FDCPA illegal announcement of the call is from National Recovery Agency a debt collector - 3rd parties can hear it).
report them !!!
If the latter, since they might screw up your credit, it makes more sense to engage them by disputing and requesting validation, to maintain the best legal position should you need to sue.
Since debt collectors are notoriously dense when it comes to realizing they are calling the wrong number, you might do them a favor by sending them a cease communications letter and then suing them.
These people are nuts.
I BEGGED her to file suit against me in my home county for the $25 and see how far it got her. I continued to mess with her as much as I wanted and she kept getting more and more upset. I was having a great time.
Next time she calls, I'm going to start asking her personal questions. She was quite flustered when I asked about Steve and Jill and their address. She had no idea I had that info.
Interesting to note how far they will go when dealing with a non-consumer debt, which would not be covered by FDCPA.
If you get a name for the original creditor, please post it. If they are as shady as their other clients, there are probably complaints against them as well.
In the mean time, watch your credit reports. If they are posting bogus "music club" debts to consumer credit reports over $50, you should expect that they will do the same for bogus "business debts".
Business debts are not covered by FDCPA, but ANY error put on your personal credit file would be.
They know their claim they will take legal action is an incredible lie, but they use it over a bogus "business debt", which would not be covered by FDCPA.