Debt Collection Blog

CMRE Financial Services, Inc.

October 9th, 2015

We are investigating claims on behalf of a client who received telephone calls from CMRE Financial Services, Inc. (“CMRE”) in connection with attempts to collect an alleged debt.  Our client alleges that CMRE repeatedly called him for a debt that he does not owe.  If you live in Texas and have information about how CMRE collects debts by telephone, please contact attorney Michael O’Connor in our office at (214) 670-9989.  We allege nothing in this post about how CMRE does business but are instead seeking witnesses.  We believe that the following telephone number is used by CMRE:  (888) 760-1382.

RAC Acceptance Texas, LLC

October 9th, 2015

We are investigating claims on behalf of a client who received telephone calls and in-person visits from RAC Acceptance Texas, LLC (“RAC”) in connection with attempts to collect an alleged debt.  Our client alleges that RAC called a number of times and repeatedly went to her residence.  If you live in Texas and have information about how RAC collects debts, please contact attorney Michael O’Connor in our office at (214) 670-9989.  We allege nothing in this post about how RAC does business but are instead seeking witnesses.

United Receivables Group, LLC

October 9th, 2015

We are investigating claims on behalf of a client who received telephone calls from United Receivables Group, LLC (“URG”) in connection with attempts to collect an alleged debt.  URG sometimes uses the name “URG Offices” and/or “NCS Offices.”  Our client alleges that URG, among other things, accused him of committing theft by deception and defrauding a financial institution, threatened imminent litigation, threatened wage garnishment, and threatened to contact his employer.  If you live in Texas and have information about how URG collects debts by telephone or the relationship between URG and United Debt Holding, LLC, please contact attorney Michael O’Connor in our office at (214) 670-9989.  We allege nothing in this post about how URG or United Debt Holding, LLC do business but are instead seeking witnesses.  We believe that the following telephone numbers are used by URG:  855-293-6504, 855-296-0931, 877-350-6150, 866-850-3830, 855-328-7888, and 855-278-1330.

National Credit Adjusters, Hydra Financial, and SSM Group – Seeking Witnesses

December 10th, 2014
Fire Hydrant 2

Fire Hydrant 2 (Photo credit: Wikipedia)

We are investigating claims on behalf of a client who received a collection letter from National Credit Adjusters, LLC (hereinafter “NCA”) in connection with attempts to collect an alleged debt.  Our client alleges, among possible other things, that NCA was attempting to collect a debt that was phony and/or had already been paid.  The alleged original creditor of the debt is Hydra Financial Limited Fund II (“Hydra”) and/or SSM Group, LLC (“SSM”).  If you live in Texas and have information about how NCA collect debts or the relationship between NCA and Hydra and SSM, please contact attorney Michael O’Connor in our office at (214) 670-9989.  We allege nothing in this post about how NCA, Hydra, or SSM do business, but are instead seeking witnesses.

National Credit Works, Inc.; National Credit Works II, LLC; Enhanced Acquisitions, LLC; NCW Billing, Inc.; and Walker, Williams & Associates, LLC – Seeking Witnesses

December 8th, 2014
English: The Complete and Entire city of Lagun...

English: The Complete and Entire city of Laguna Beach photo: D. Ramey Logan, please include photographer credit if used outside of Wikipedia 日本語: 完全な、そして全部のラグナビーチ市写真: D. レイミー・ローガン、どうかもしウィキペディアの外で使われるならカメラマンクレジットを含んでください (Photo credit: Wikipedia)

We are investigating claims on behalf of a client who received telephone calls from Walker, Williams & Associates, LLC (hereinafter “WWA”) in connection with attempts to collect an alleged debt.  Our client alleges that WWA pretended to be process servers; threatened imminent litigation; threatened to file charges, and called repeatedly.  We believe that WWA was acting for or at the request of Enhanced Acquisitions, LLC; NCW Billing, Inc.; National Credit Works, Inc.; and National Credit Works II, LLC.  If you live in Texas and have information about how WWA collect debts by telephone or the relationship between WWA and Enhanced Acquisitions, LLC; NCW Billing, Inc.; National Credit Works, Inc.; and National Credit Works II, LLC, please contact attorney Michael O’Connor in our office at (214) 670-9989.  We allege nothing in this post about how WWA; Enhanced Acquisitions, LLC; NCW Billing, Inc.; National Credit Works, Inc.; and National Credit Works II, LLC do business but are instead seeking witnesses.

Unified Global Group – Seeking Witnesses

October 22nd, 2014

We are investigating claims on behalf of a client who received telephone calls from Unified Global Group, LLC (“Unified Global Group”) in connection with attempts to collect an alleged debt.  If you live in Texas and have information about how Unified Global Group collects debts by telephone or the relationship between Unified Global Group and ARM WNY, LLC, please contact attorney Michael O’Connor in our office at (214) 670-9989.  We allege nothing in this post about how Unified Global Group or ARM WNY, LLC do business but are instead seeking witnesses.  We believe that Unified Global Group may not have a debt collection bond on file with the Texas Secretary of State.  We believe that the following telephone numbers are used by Unified Global Group:  (855) 974-6491 and (855) 977-2161.

 

Admin Recovery, LLC Collection Calls – Seeking Witnesses in Texas

October 16th, 2014

We are investigating claims on behalf of a client who received telephone calls from Admin Recovery, LLC (“Admin Recovery”) in connection with attempts to collect an alleged debt.  Our client alleges that Admin Recovery called an inappropriate number of times and threatened to repossess personal property.  If you live in Texas and have information about how Admin Recovery collects debts by telephone, please contact attorney Michael O’Connor in our office at (214) 670-9989.  We allege nothing in this post about how Admin Recovery does business but are instead seeking witnesses.  We believe that Admin Recovery may have purchased accounts from Conn’s Appliances.  We believe that the following telephone number is used by Admin Recovery:  (855) 777-0152.

 

Enhanced Acquisitions and Midway Resolution Services – Search for Witnesses

October 15th, 2014

We are investigating claims on behalf of a client who received telephone calls from Enhanced Acquisitions, LLC (“Enhanced Acquisitions”) and Midway Resolution Services, LLC (“Midway”) in connection with attempts to collect an alleged debt.  Our client alleges that Enhanced Acquisitions and Midway accused him of committing fraud and made threats of imminent litigation.  If you live in Texas and have information about how  Enhanced Acquisitions and Midway collect debts by telephone, please contact attorney Michael O’Connor in our office at (214) 670-9989.  We allege nothing in this post about how Enhanced Acquisitions and Midway do business but are instead seeking witnesses.

 

Tips for Dealing with Aggressive Debt Collectors in Texas

September 2nd, 2014
English: Cityscape of Mcallen, TX

English: Cityscape of Mcallen, TX (Photo credit: Wikipedia)

Debt collection is a booming business, with 35% of Americans currently carrying debt that has gone to collections. Research shows that McAllen, Texas, has the highest debt collection rate among all U.S. cities, at 51.7% of the population; the average amount in collections among McAllen residents is $4,106. The Labor Department shows that in the past five years, wages have just barely kept up with inflation. Another study by an independent bank reported that after-tax income dropped for about 20% of earners in the same five years. Because debt collectors are often aggressive, it’s important for consumers to know their rights and how to deal appropriately with debt collection calls.

The following is the first of several tips for dealing with aggressive debt buyers:

  • Consumers have a 30-day window in which to dispute a debt’s validity, after being contacted by a debt collector, under the Fair Debt Collect Practices Act (FDCPA). Debt collectors are required to provide evidence supporting the validity of their demands for payment of a debt, particularly when a debt has been disputed. Carefully review any documentation  and keep in mind that a large volume of documentation is not in itself proof of validity of the debt. When uncertain about the meaning of documents, contact an attorney.

See this continuing series for more information about dealing with assertive debt collectors.

–Guest Contributor

Individuals are Awarded $1,610 Each in a Class Action Suit Regarding Debt Collection Robocalls – Part 2

August 26th, 2014
English: Man with cell phone in front of Kumsu...

English: Man with cell phone in front of Kumsusan Memorial Palace in Pyongyang, North Korea. (Photo credit: Wikipedia)

People harassed by robocalls from debt collectors have reported being called every half hour all day, from 8 am until 9 pm. This type of behavior by debt collectors is not permitted and does not need to be tolerated. The Telephone Consumer Protection Act and the Fair Debt Collection Practices Act place limits on activities debt collectors are allowed to engage in. The following are some steps for taking advantage of these laws:

  • The most important step to begin taking is to keep a comprehensive log of telephone calls. Keep a notebook handy for this purpose. Make note of the times of day you are called. Also make note of any threatening words or abusive language.
  • When you speak to the debt collectors, ask for their company name and mailing address. Inform them that you only want to be contacted by mail.
  • Send a letter to the debt collector by certified mail. In the letter, ask them to validate your debt by mail, so that you can determine whether it is legitimate. Also, ask for a specific amount owed and a copy of recent statements related to the debt. Also, ask for proof that the debt now belongs to them and who assigned the debt.
  • After you have sent a written request asking for debt collectors to stop calling, they are in violation of the law if they continue, according to the Federal Trade Commission (FTC). Report the debt collector to the FTC.
  • If the problems continue, a good course of action may be to have a free consultation with a consumer law attorney about the debt collectors’ misconduct.

See Part 1 of this two-part series for more information about receiving automated calls from debt collectors.

–Guest Contributor