Mr Martin at Law Firm of Fred Kelly called frm #866-780-8900

Hi gardnerjl

Welcome to the forums.

Since your SSN# is attached to this account, you need to know the details of this account. Call them and request for a debt validation letter. This will help you to get the accurate picture of this account.

You need not to make any payment agreements as long as the company has truly identified this debt. Request for their mailing address and get this account validated.

Regards
Roxette

When I call them back won't they demand $$$$ I don't have any to send them this month and don't want to be harassed at work. He stated he needed to advise me of the severity of this account?

I don't want any more headaches from debt collectors at work. They have to send me something in writing before they can act, correct? I requested that from another bill collector and they said that in the meantime they would proceed with the action of what they deemed necessary. Is this just a scare tactic?

They should not demand $$$$$ unless you have verified the debt validation letter relating to this account. And moreover, you will get 30 days if there is anything to dispute on it. If the CA demands for money, tell them that you won't make payments unless you go through the details of the debt account.

Yes, they will have to send you in writing before they can take any actions against you. If any agency threatens you with legal actions before the debt is validated in writing, you will have to take precautionary measures on that note.

If they call you at work or home, inform the caller that you are recording the call for legal purpose. State the point that you have requested for debt validation which is not been served to you. You will necessary points to defend yourself if the matter is taken to the court.

If you don't call them, they might perhaps, take some actions that can go against you. So, you should place the call to them and request for what is necessary regarding this account.

Also, send a written letter to the company requesting for the same info. Send it through certified mail with return receipt requested. You will have proof of your actions being taken regarding this account.

Do you have their mailing address?

No, I don't have their address or even the correct contact name. I will forward the letter but do I need to call them, also. I understand my rights but the last time I contacted the party that called me they threatened me with court proceedings while I was researching and validating the debt...I don't want that hassle or headache again.

Thanks for your prompt response. It is greatly appreciated. Do you have the address and contact person. The gentleman spoke so quickly it was hard to hear. There maybe a message at my home phone also.

Do not fear or get nervous while calling them. I can understand from your past experiences with other collection agencies but this is the only option for locating them accurately. Check in your home phone if they have left any address to contact them.

I have searched for them online but lack of proper information is not giving me accurate results.

I will go home this evening and check the machine for a message from them. IF they left one there maybe the message will be more detailed. I will contact them tomorrow. I believe within a day should be OK. I cannot contact them during the workday because my workplace is a cubicle environment.

Thanks again for your assistance!

Do not use the work phone. Use a payphone to call them.

I won't. I will use my cell phone and block the number, won't that work OK. If not, I will call from a pay phone at lunch time....

Cell phone number will get entered in their system and they might try to misuse it later. I fear if they sell it to any other agency later.

Payphone will be the best option.

Quote:

I was not trying to not have someone get ahold of me but being harassed at work by a bill collector is a bit overwhelming. They did not leave a message at home. Thanks to KarmaPolice for their information regarding people getting ahold of your #'s because I wondered how one bill collector got ahold of my parents' phone number and not only harassed me at home and at work but at my parents' house as well. It is not that I am unwilling to pay back the debt, it would just be best to let me deal with it myself without being harassed.

Thank you.

One thing I might want to mention is that you cannot block 800#'s. This is a protection issue to avoid threats towards agencies. However, if you had their local you number, you can block the number with the *67.

Do you have any other contact information about this "law firm". They only answer law office when you call, so it could be another name or an actual collection agency similiar to Anthony Galloway or Ted Crosby.

Regards-
Mike

There was another number on my home phone that I believe may have been them, it began with 713 and I forget the rest. When I looked it up on the computer it showed a collection or recovery company/law firm in Texas. I believe they are like the others. I will contact them shortly but this is the first contact they have attempted to make towards me.

Thanks for the note on the 800#. If you call them and use *67 it still shows the #?

I appreciate everyones input.

[quote=Quest]If you call them and use *67 it still shows the #?[/quote]

Yes, you cannot block 800#'s. It is very difficult for a private residense or a business block the number from going throw.

They'll see your number, or area code (if you call from a payphone) and chances are will be able to find you that way too. Be careful when going around them. If you plan on calling from another number, be prepared to give them at least your name. Once they get the area code, they can do searches by everyone that lives in that city/state. collection agencies are getting trickier.

Regards-
Mike

I just received another voicemail at work from the Mr. Martin telling me I had until 7 p.m. tonight to return his phone call and attempt to proceed with a payment in full of the balance due, over $1,000. I have never borrowed that much from a pay day loan company ever. When I can them back can I ask for validation in writing? I did receive one letter from them but they didn't state when this account was activated, etc. I have already been scammed by these bill collectors and although I want to make payment arrangements to pay off my debts, I want to do so with the right people and for only what I owe.

How do I move ahead with this. Additionally, I have been paying off other debts slowly but have received no statement from the company showing my payments. Can I not request this in writing before send any more money?

Please HELP.
Thanks!

I need a copy of the letter everyone speaks about to get information on my outstanding debts from collectors, who contact my home.

Please advise.
Thanks!

gardnerjl

I'm assuming this is the letter you are talking about?

Quote:

Thank you, Mikeyindetroit, I appreciate your prompt response.

Hi gardnerjl

Welcome to the forums.

As per the fdcpa law, it is you legal right to ask for a debt validation in writing. You can do so after the collection agency has placed a contact for the said account.

While you are making regular payments to the collection agency, they should send you an itemized statement showing the payments received. Talk to the company and know the latest standing of the account. You need to make sure whether the money is surely going towards your debt account.

After the account is paid in full, the collection agency must update this account with the bureaus and it will be shown as 'paid collection' in your file. Thus, no other agency can contact you for this account in the future.

Please talk to the company handling your accounts and get the latest information.

Regards
Roxette

I need someone to respond to my questions, ameriloan a loan to payday company keep giving different amounts as to what I owe. (I did take out a loan with them) and now they claim they have turned my account over to lawyer for for collection. When I asked if I could call the Law firm, I was told by a representative she couldnt give me that information, but she would make payments arrangements with me. I asked her to send me a breakdown of what I owe and how they arrived at that amount, she said she could only send me what I owe now. I have not rec'd that paper work yet and now its time to pay the amount she quoted me. Help I need advise, (I'm afraid they will take me to court)>

Shirley, don't get scared of ameriloan. They need to follow the legal procedures before taking the matter to the court. All the documentation related to the loan account must be given to you upon request. Send a letter through certified mail with return receipt request and cover your basis. Request them for the breakdown of the total amount in the letter. They are bound by laws to give you this information. Don't panic and send them money. It might happen that may or may not post your money towards the account. Talk to a consultant. He will handle this matter professionally.

If I read the original post correctly, it sounded like a voice mail was left. Did they read the social security number over the phone and leave it on voice mail. Oh boy, that is a hugh no-no

Not to be nosey, it is just that they are calling me and not sure what to do.
Thanks

Hi my sister has been recieving phone calls from this law office. I called them back and spoke to a Mr Burns who was very nasty on the phone and not very helpful. He is claiming that i owe a balance of $1500 to someone i have never heard of before and that funds were deposited into a bank account with National Commerce Financial, which i have never banked with before. Now he saying that i don't want to care out of the debt when all i asked was info about the collection and who it was thru and trying to get all i needed to know whether or not it was legitimate and he would not fax the documentation to me and just hung up the phone. Then he said that he would fdaxing over some papers to my county court office for further processing in this matter. My question is first does anyone know what this means as further processing on intent to fraud and are they required to provide me with documentation of this account to me showing it is mine, and 2nd does this mean i am going to court or arrested or something and 3rd are they allowed to record your conversation without first telling you that is going to be recorded, if they do are they required to allow you to listen to the recording. Any information will be very helpful.