Encore collections passing debt to other CA - is this harassment?

Hi Shirley,

Welcome to debt consolidation forums.

It is quite strange as to why the Encore collection agency did not respond to your validation request .You can resend your request to see if there is any response from them.

One reason why you are hearing from a different collection agency is that the earlier agency has sold your account to another agency. Before going into any sort of payment plan you should first ask for debt validation.

To get rid of Encore collection agency harassments you can enroll in a debt consolidation program where by the companies handle these collection agencies, save you from further harassment and also negotiate to reduce your debts.

You had mentioned that the name of the CA is Encore collection agency.
There are 3 locations where their offices are situated. Please contact the one that is located nearer to you.

Encore Receivable Management, Inc. ,

(i) 14425 College Blvd., Ste. 170 Lenexa KS 66210- , (913) 327-6500

(ii) 400 N. Rogers Road Olathe KS 66062- , (913) 782-3333

(iii) 6863 Spencer St. Bldg E-1 Las Vegas NV 89119- , (702) 407-4500

Hope this information will help you.

Please feel free to visit this forum again with your further queries.

Regards,
Samuel

just speculating here, but could it be that maybe Encore collection agency couldn't produce any evidence (validation) so they decided to pass it on? I am definately asking for validation from this agency as well...am curious as to what happens next. (whether they will produce it or not) thanks, shirley

Hello everyone!

I am totally new in this thing. My husband's starting his business and he's having problem with Encore collection agency as well.

What is a validation letter? What is it good for?
Thank you for your answere in advance.

Best regards,
Thanh :D

Hi Thanh

Welcome to the forums. Please do not feel shaken while dealing with Encore collection agency as the whole community is with you to guide in the right direction.

The collection agency is assigned to recover the debt from the consumers when the creditors fail in their actions.

In order to make sure that the collection agency is actually working for the creditors, they have to provide some necessary details about your accounts. As per the fdcpa law, debt validation letter is a strong weapon through which you can legally urge the collectors to provide a proper presentation of your accounts.

http://www.debtconsolidationcare.com/validation.html

If Encore collection agency is not able to furnish the necessary details about your accounts, it will be considered that they are maliciously forcing you to pay towards your debt. You are required to obtain the following information from the collection agency before you start paying towards your debt account.

• The details of the account.
  
  
• All the calculation should be shown of the amount that is owed.
  
  
• Any copies of the papers to be furnished that shows the payment agreement.
  
  
• Provide a verification or copy of any judgment if applicable
  
  
• The original creditor needs to be identified.
  
  
• The Statute of Limitation needs to be proven for the collection of the debt.
  
  
• The license of the collection agency applicable in the state is to be furnished along with the license numbers and Registered Agent
  
  
• Proof of the agreement that the debt collector has purchased the debt or has been hired by the creditor to collect the debt from the debtor as this is the basic contract law.
  
  
• Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
  
  
• A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.
  

The only comment I want to make is never go through a debt consolidation place. They screw your credit up even worse than if you don't pay the bill. It takes two too three times longer to get your credit straight after going through a consolidation place, I know I am still suffering from going through Encore collection agency. They are not what they say they are and they rob you blind!!!!!!

hi Shirley--

Encore collection agency is a horrible bunch, they are used to breaking federal law so it is important that you educate yourself on the law and your rights as much as you can.

First, what happened is legal--the law allows them to sell the debt to another CA instead of validating it. What you need to do is send that same DV letter to Encore. Be sure to send it certified mail so you will have a receipt of when they received it. Encore likes to tell consumers that "we didnt get any letter from you", so send it certified to cover your butt.

Usually when this happens, it is because you asked for validation and Encore collection agency cannot provide it. So, the law states that if they cannot or do not provide validation they must not try to collect the debt from you ever again. That is specific to that CA, though. So, if you send one to Encore collection agency, they must immediately stop all collection activity, gather the validation documentation, and send it to you before they can start up trying to collect on this debt again. Or, they can sell it off, which is what many of them do once they realize they dont have the documentation the law requires.

Send off the DV request, and let us know what you get back if anything.

Can you still ask for a DV if you have already made a payment to them? And also, what happens to the debt if the credit card company has sold it to Encore collection agency, and the CA cannot collect because of not having the DV? Does that make sense?

As far as I know [somebody will correct me if I'm wrong], you can ask for validation at any time from Encore collection agency. They may or may not be required to produce it, but I personally wouldn't pay them another dime until they did.

As to the card co. selling the debt to a CA who can't validate, that's their problem. You still owe the debt, but you can't be forced to pay a CA without validation. Else, how do you even know you're paying the right people?

Would like to ask some advice on NCO. I've seen a few threads on here, in the past, however....I din't really read them. NCO..are they a LEGIT company? They have called me several times, but, I don't know WHAT they are calling about. They call here, and ask for me. THEN they say they want to "verify my debt," and need more information from ME. If THEY are the ones who have an outstanding debt from me, shouldn't THEY be the ones to tell me? It keeps going 'round and round'. Any advice?

I would send em a validation letter to Encore collection agency and see if they can provide any info. It seems they are lacking a great deal of information on you, which disturbs me.

[quote=sdchargers_63]Would like to ask some advice on NCO. I've seen a few threads on here, in the past, however....I din't really read them. NCO..are they a LEGIT company?[/quote]

From what I've heard, NCO are Bad News, and crooked as the day is long. Have you checked Bud Hibbs or ripoffreport?

[quote=sdchargers_63]They have called me several times, but, I don't know WHAT they are calling about. They call here, and ask for me. THEN they say they want to "verify my debt," and need more information from ME. If THEY are the ones who have an outstanding debt from me, shouldn't THEY be the ones to tell me? It keeps going 'round and round'. Any advice?[/quote]

They're fishing, just like MRS tried doing with me. Send them a strong DV letter immediately. I recommend JCEMT's template. And do not, ever, give them any info about yourself. They should already have your personal info. Anything else, they're required to obtain from the OC and then send to you as part of validation.

i also have found a way to avoid unconvicted criminals posing as
legitimate collectors.hanging up,filing complaints.etc,etc.my creed is nothing in writing,nothing paid.i don't work for Encore collection agency.so now you can go about your day acting criminally.hope whatever issues you have you work out.best of luck to you.

Encore collection agency, I don't care what happened to the DV letter once you received it. I have the little green card that verifies that you signed for it, so ignore it if you like, then I'll see you in court sucka!!

Encore keeps calling my 16 year old daughter's cell phone about a debt that belongs to her mom's boyfriend. I told them to not call her phone, it's in my name, the girl said they would keep calling it till they got tim. It's not his phone, he has nothing to do with it. I'm filing a report with the state police and our county attorney. I won't put up with those **** !

[color=Red]****Adult term removed - Jason[/color]

Paying your credit cards is easier said than done! I had great credit til my mortg. taxes tripled on me causing my mortg. payment to more than double! My child was dx with severe ADHD along with a form of Autism, which I have to pay for her DR and meds each month. That's another thing, my childrens insurance isn't free. Neither are her meds and DR visits along with the lab work. Same daughter has to have heart testing due to EKG slighty abnormal. I am still paying for the testing. Yeah, we have had a hectic 3 years. One thing after another...something we call LIFE!
I would love to be able to pay ALL my debt off and be done with Encore collection agency! Before you go around labeling people as deadbeats and "lazy" who drive a BMW and have a $3000 mortg....think about that person and what happened in their life to cause them to fall behind on cc payments! I don't EVER wish anything bad upon anyone!
I pray I am not offending anyone on here who is kind enough to offer help! I thank you for sharing your knowledge with others! Thank You!!

Molly

dear shirley,
i have an on going situation with encore right now and im here to tell you that they can threaten you all they want to but don't be fearful of them. all they do is prey off the misfortunes of others. then they harass you day and night. to stop the calls, my advice to you is to disconnect your home phone and just use your cell. all they can do then is to send letters. you cannot be jailed because of debt. they try to scare you but don't be scared!!

I had this lady call me this morning again! Saying I was a dead beat who should pay my bills. I told her that I am not a dead beat but am diabled at this point and waiting on the process, She said if I was diasabled I would still pay my bills. I told her to get off my back I am waiting for the process obviously this is some IGNORANT EMPLOYEE who has no Idea how long this process takes. So help me Ihave had great credit for years and now it is screwed . From one bill.... What is the sense to pay it they have already wrote me off and the credit is shot. Like it is my choice to be in this situation. The people they hire are so nasty and actually this little nut that called me was actually eating and had a mouth full of food I kept saying what are you saying I can't understand you. Must have been breakfast for her. I told her to send my final bill to 1600 pennsylvania ave. Because her president said he would take care of everything. Not who I voted for... Now all he is doing in Bankrupting our government and I may not even be able to get disablity. I asked over and over for their address and she would not give it to me . She knows what she is getting ...(THE LETTER)... THANKS FOR LISTENING TO ME VENT GUYS... HAVE A GOOD DAY!

Do you have a phone number form them? You can google the phone number and see if any hits come up.

If you want immediate results, Fax a Cese and Desist to them...I know it's better to send it certified mail, but the fax works with them. If they start calling again after you send the Fax, then send it Certified.

Encore Receivable Management
Fax: 1913-393-5726
I sent my fax two weeks ago...not one call since then. I did call them two days ago and asked them about a payment plan on my debt, and they noted that they had a Cease and Desist on File.

They have an emplyoee by the name of Danny George.
This guy is a FREAk and very threatening over the phone!
Be very aware of this jerk off! This isn't really the way to approach people at all!

NOTE: These two corporations are in cahoots and connected together. Attempting many of the numbers for Encore will port you through a loophole and you end up entangled in the phone web of Midland Credit Management. These corporate pigs are under the impression they can hide in their lush offices while there ???Prey??? (all consumers caught in there debt traps) get transferred to India based, outsourced companies. Imagine what might happen if all consumers had the physical address of their hide outs and mailed all complaints, questions and disputes (CERTIFIED MAIL) directly to the source??? instead of being outsourced (AKA outsmarted)

Jay Brandon Black age 39 CEO president and director ECPG
Encore Capital Group / FDCPA violations & FCRA violations
Based in San Diego & Dallas
Out source most stuff to India

Encore Receivable Management, Inc. encorecapitalgroup.com
8877 Aero Drive, San Diego Ca,
760-735-2904 FAX for Encore
877-213-1161 UNLISTED number for Encore
800-306-4443 FAX for Midland Credit Management

Emails directly connected to Encore???s website domain
[EMAIL="sales@encorecapitalgroup.com"]sales@encorecapitalgroup.com[/EMAIL]
[EMAIL="jobs@encorecapitalgroup.com"]jobs@encorecapitalgroup.com[/EMAIL]
[EMAIL="kimberly.pitman@encorecapitalgroup.com"]kimberly.pitman@encorecapitalgroup.com[/EMAIL]
[EMAIL="Johnny.botros@encorecapitalgroup.com"]Johnny.botros@encorecapitalgroup.com[/EMAIL]
[EMAIL="Acquisitions2@encorecapitalgroup.com"]Acquisitions2@encorecapitalgroup.com[/EMAIL]
[EMAIL="documentation@encorecapitalgroup.com"]documentation@encorecapitalgroup.com[/EMAIL]

14425 College Blvd Suite 170
Lenexa, KS. 66210
913-327-6500
913-782-3303 FAX

400 North Rogers Road
Olathe, KS. 66062
913-782-3333
913-782-3303 FAX

6863 Spencer Street Bldg E-1
Las Vegas, NV. 89119
702-407-4500




Encorecapitalgroup.com
858-560-2600 San Diego
877-445-4581 toll free - leads to Midland Credit Management
214-744-0111 ext: Y80G / number given to mom by Yevette

------------------------------------------------------------------------------------------------------------
Midland Credit Management Inc.
8875 Aero Drive Suite 200 San Diego

858-560-2600 - same number as Encore
800-306-4443 FAX for Midland Credit Management
P.O. Box 939019
San Diego, CA. 92123
800-825-8131 ext: 2980 / Disputes regarding your account

NOTE: These two corporations are in cahoots and connected together. Attempting many of the numbers for Encore will port you through a loophole and you end up entangled in the phone web of Midland Credit Management. These corporate pigs are under the impression they can hide in their lush offices while there ???Prey??? (all consumers caught in there debt traps) get transferred to India based, outsourced companies. Imagine what might happen if all consumers had the physical address of their hide outs and mailed all complaints, questions and disputes (CERTIFIED MAIL) directly to the source??? instead of being outsourced (AKA outsmarted)

Jay Brandon Black age 39 CEO president and director ECPG
Encore Capital Group / FDCPA violations & FCRA violations
Based in San Diego & Dallas
Out source most stuff to India

Encore Receivable Management, Inc. encorecapitalgroup.com
8877 Aero Drive, San Diego Ca,
760-735-2904 FAX for Encore
877-213-1161 UNLISTED number for Encore
800-306-4443 FAX for Midland Credit Management

Emails directly connected to Encore???s website domain
[EMAIL="sales@encorecapitalgroup.com"]sales@encorecapitalgroup.com[/EMAIL]
[EMAIL="jobs@encorecapitalgroup.com"]jobs@encorecapitalgroup.com[/EMAIL]
[EMAIL="kimberly.pitman@encorecapitalgroup.com"]kimberly.pitman@encorecapitalgroup.com[/EMAIL]
[EMAIL="Johnny.botros@encorecapitalgroup.com"]Johnny.botros@encorecapitalgroup.com[/EMAIL]
[EMAIL="Acquisitions2@encorecapitalgroup.com"]Acquisitions2@encorecapitalgroup.com[/EMAIL]
[EMAIL="documentation@encorecapitalgroup.com"]documentation@encorecapitalgroup.com[/EMAIL]

14425 College Blvd Suite 170
Lenexa, KS. 66210
913-327-6500
913-782-3303 FAX

400 North Rogers Road
Olathe, KS. 66062
913-782-3333
913-782-3303 FAX

6863 Spencer Street Bldg E-1
Las Vegas, NV. 89119
702-407-4500




Encorecapitalgroup.com
858-560-2600 San Diego
877-445-4581 toll free - leads to Midland Credit Management
214-744-0111 ext: Y80G / number given to mom by Yevette

------------------------------------------------------------------------------------------------------------
Midland Credit Management Inc.
8875 Aero Drive Suite 200 San Diego

858-560-2600 - same number as Encore
800-306-4443 FAX for Midland Credit Management
P.O. Box 939019
San Diego, CA. 92123
800-825-8131 ext: 2980 / Disputes regarding your account

Hi Tamann

Did Arrow Financial provide you with a written confirmation of your settlement agreement? If so, did the written agreement include a statement that they would remove all negatives from your credit report?

I ask because you I am curious if they violate such written agreements (I am dealing with them now)

and because if it is not stated the CA does not need to change anything except to add PAID to your collection account ..which basically has no effect on your credit rating

4Sety

i too had great credit until we losy most of our hours at work. there is no explaining this to encore. i get calls every ten minutes from encore. if i could pay it i would have paid it on time when i normally did. do they not see the economy is in the dump?

I RECEIVED A CALL FROM ENCORE..ENFORMING ME THERE IS A PROBLEM WITH MY HUSBAND SOC SECURITY NUMBER...WHO R THESE PEOPLE..AND HOW CAN THEY LEGALLY BE MAKING SUCH CALLS? WHEN I TOLD THE MAN IM THE WIFE HE TOLD ME RUDLEY IM NOT A WIFE

this is a warning to all of you guys!!! I will be one your collectors so you should pay your bills

This is a warning to *you*. Be careful and follow the law or some smart debtor will sue you and make *you* pay *them* $1000!

Encore is without question the most unprofessional business I have ever spoken with. They have called us 100's of times (literally) regarding a debt that doesnt even exist, for a product that wasn't ever purchased, for a credit line that we never had. It doesn't matter what I do, fax them proof, change our phone number, they won't stop harassing us.

Sue them.

I dont know where to start, we went from $5000 a month to $1800. I dont what to answer my phone because of the collectors, But yet we need to answer it in order to get a job!!

I am trying to stop encore from calling my house. They are trying to reach someone who stayed with us for about two months. He left six months ago. They call constantly. The worst is they call every Sunday morning at 8:00 and since this is the only morning I get to sleep past 5:00 it is annoying. They do not believe me when I say he is not staying here any longer. I have tried talking to supervisors and they hang up on me and then encore calls right in less than 15 min. What do I do?

Sarah

You could try sending the a C&D letter. They may or may not honor it. You could block their number if your phone company allows it. Personally, I would turn of the ringer on Saturday night. Talking is not going to get anywhere. If I talked to them, I would keep them on the phone for as long as possible chatting about anything I could think of. Keep them tied up not calling someone else.

I hate to turn off the ringer in case of family emergency. I do think I will get a can air horn for MY enjoyment. Maybe a wake up call will stop them.

Sarah

Whatever you choose to do, the most important thing is do not let them get to you. Do not take them personally, and don't let them make you angry. If they get nowhere with you, they will eventually leave you alone becaue they don't have the time to keep calling a nonproductive number.

I have been receiving calls from Encore asking for my adult daughter, who hasn't lived with me for 9 years. Interestingly, I've only had a phone in my name for 10 months. My concern is that I read an article about zombie debt, which cautions people that responding to these agencies can actually activate a debt which has passed the statute of limitations in your particular state. So, how else can someone find out what they want? Does anyone know if asking for a DV will activate a zombie debt?

actually in some states even payment won't re-start the SOL.tell them you will file complaints with the proper agencies if they persist.

Every one of you who are receiving harassing calls from Encore, need to sue them! They are in violation of the laws. CAs cannot call with the intent of harassing you. The way to get this company in trouble is to file a complaint and sue!

I have been in a car accident suffered a concussion and then became very sick with H1N1 flu. Encore has been told how sick I was and am and they are continuing to call everyday more than 20 times a day. I asked this time to speak to a supervisor that I was completed a police report for harrassment and they transfered me to an answering machine that was full. By law, they are not supposed to call you more than once a day. If you are on the DONOT CALL LIST they are not supposed to call you at all.

I also want a full report of my bill and charges they claim I owe and they will not provide it.
They have also tried to illegally debit my checking account for payment of $600.00. This reflects on the Company that chose them to do this debt collection.

I pray for them all to have mercy on injured, sick and all people unemployed right now. I have always paid my debts on time and maintained a credit score of 750 and above. To be treated this way now while I am deligently seeking employment to regain my financial independence and pay my debts off is harrassment and I do wish the Owner of the company would advise his staff and employees of the laws in this situation.

No one should be continuously harrassed over a debt they cannot pay over 20 times a day everyday by anyone when they are totally incompacitated from an illness or injury and unable to conduct business or has no income to do so.

God bless them all to not only learn Man's laws but also God's law's.

He, he. They call me all the time now. Encore has this thing about calling you, and the caller ID shows "unknown number." I ask who is calling, and the people on the other end identify themselves as from Encore. I look them up on the net, and I find this forum. Well, people. Thanks for all the information. As for me. I will put the ringer on low. Let them call.

Caller ID masked as "Incoming Call" up to 3 times per hour between 8 am to 9 pm for 3 months now, never leaves message on machine. Recently pick up find out they are looking for someone that is not me, I state this is not a message or contact number for that person and request to have my number removed from call list.....I am abruptly hung up on every time.

Does anyone have an address for this company? Can't find one online so far. Need to draft a Cease and Desist order (must be sent Registered Mail) , then maybe make a conplaints to the BBB and the Attorney General.

[QUOTE=;][/QUOTE]
Hi I just lost my job in Riverside,CA. I looked at all the sites more times than I'd care to recall and sent off hundreds of resumes. However, i have not been able to find a single good response to my resumes. If anyone knows about particular job site where i can look for a good job, please reply me with the location details. I will be thankful to you for your early response.

I think I already answered this off topic question in another thread.

I just got a call from encore regarding a past due credit card. I told the lady that I can only pay about $50.00 per month, because my hours at work have been cut, and I have been on diability for the last 6 months, just went back to work but only for 3 days per week.


She told me that I can pay the $50.00 but it will not stop the calls. She did not want to make a payment agreement.

they are a rip off

Don't do any arrangement if they won't put it in writing. As for the calls you can get them to stop by simply sending them a partial cease & desist asking them not to call but to communicate in writing only...you can add that to a debt validation letter. They will either stop contacting you all together, will comply, or will only send letters....it varies...personally I have been able to make a partial cease & desist stick, but others may not.

Quote:

i recieved a letter stating what i owed to my credit card company which is correct, the letter states the last four numbers of the account which is correct. the letter states the settlement amount i agreed on and states that if paid this account will be closed as settlement in full. i called my credit card company and they said that if this company had all that info which was correct (my credit card confirmed the correct amounts) then it was all legit, saying that the collectors would not be able to come up with that info inless they were legit. IS IT NOW SAFE FOR ME TO PAY THEM AND THEN THIS IS ALL DONE AND BEHIND ME. my debt was 24k and they are settling for 5k

Be very careful!!!

They could have gotten all that info off your credit report. Check this out:

thelaw.com/forums/printthread.php?t=44649&pp=10&page=1


There are all sorts of devious scams out there. The one referenced above victimized the debtor for over $8,000 and they were all set to reel him in again.

Link deactivated per the TOS.

hi, there i once worked with encore,,, i realized that if the collector offer you 6 months payment arrangement please do not bite that opportunity might as well tell them that you are currently in a financial crisis and ask them if they can offer you financial hardship program for 6 months and then after completing this financial hardship for 6 months, immediately enrolle your account to 40 months financial hardship..trust me collection calls will stop so long as you will pay the computed amount for this financial hardship program. =). just a tip......

:idea:When u go to bed at night turn your phone off...Remember this ladies and gentlemen...It's your phone in your home in your name.. You don't have to answer it..And if your do and its them (((HANG IT UP))))!!!!!Don't banter back and forth with these people... One day they will be in our shoes too .. I was asked to run a company like this and I told him NO as I have been on the other end of these phone calls and I don't like the way they talk to people and for me I would rather give someone money to help then to hurt themm. I pray that you are all blessed in your finances and one day we will not be on here.. But till then seek the one who can help us....

In response to Molly and everyone else. If you get into a hardship all you have to do is call the collection agency and they will work out a payment plan with you. They do understand that life happens but if you do not inform them then how do they know? I understand the debt validation letter but really? If you know that you owe the debt then why make the collector jump thru the hoops? If the collection agency validates the debt you still owe it. So if you know that in the 1st place own up to it. Take responsibility for your actions and spending.