company
business
address
debt
services
service
car
warranty
old
account
collection
skype
Singapore
 Oct 12th, 2017
i got.call from this number
Singapore
 Oct 12th, 2017
Dan Kampnich Roofing
Watertown, NY, 13601
(315) 948-3093
As a family-owned and operated business, we are dedicated to providing you with great service every time. If you need a new roof covering installed on your home, call the fully insured roofing experts at Dan Kampnich Roofing today. We have been providing you with quality roofing since 1995. FREE estimate on any roofing services we provide!
Roofing Contractor, Roofing Service, Roofer, Roof Repair, Roofing Installation
Metal Roofing, Rubber Roofing, Roof Shingles, Residential Roofing, Commercial Roofing, Roofing Company, Roofing Repair Service, EPDM Rubber Roofing System, Modified Roofing Systems, Roofing Specialist
http://kampnichroofing.com
Tom Cooper
 Apr 27th, 2016
Mikes Professional Wildlife
Middlefield, CT, 06455
(860) 306-1991
Our company provides wildlife removal and control services since 1995. We deal with skunk, raccoons, bats, squirrel, woodchuck, moles, rats. Also install pest prevention systems. Licensed and Insured contractor performing regularly scheduled services. We work with environmentally safe products and observe safety and security protocols. Emergency service is available. For a Free estimate - call us today!
Pest Control, Wildlife Removal Service, Wildlife Removal, Wildlife Control Service, Wildlife Control
Wildlife Service, Pest Service, Pest Removal, Pest Removal Service, Professional Wildlife Removal
http://mikesprofessionalwildlife.com
Trish Cooper
 Apr 25th, 2016
Tommy Birdno Two Tone Tile
1711 W Anderson Ln, Austin, TX, 78757
(512) 796-6270

Since 1995 Tommy Birdno Two Tone Tile services customers with perfection.

Tile Contractor, Ceramic Tiles, Tile Flooring, Tile Installation, Tiles

http://birdnotwotonetile.com/
Thomas
 Apr 05th, 2016
G & S Services
Winston-Salem, NC, 27105
(336) 464-5198

G & S Services has been serving Winston-Salem since 1995, providing remodeling services, and we call Winston-Salem our home.

Residential Remodeler, Bathroom Remodeler, Kitchen Remodeler, Residential Remodeling service, Remodeler

www.gandsservicesnc.com
Bulgaria
 Jan 18th, 2016
J & J Construction
Pikeville, KY, 41501
(606) 794-5500
Providing affordable Construction, Roofing, Snow Removal, Maintenance and more in Pikeville KY since 1995.
Construction Contractor, Construction service, Construction company, Custom Home builder, Home builder
Home building, Home building service, Home Construction, Construction
http://jandjconstr.com
Shawn Hilton
 Jan 11th, 2016
This number has called me once, I did not pick up...I know NOBODY from Santa Ann California...They left a message stating there was a lawsuit against me and gave an address I lived at back in 1995...The next day I get a call from my father who I have not spoke to in over a year...Somehow they got his number and have called him and my brother harassing them about me... I have NO IDEA how these people are getting my families numbers..SCAM SCAM SCAM!!!
North Carolina
 Nov 09th, 2015
Premier Airport Limousine Rental
White Bear Lake, MN 55110
(651) 337-5202
Do you want to turn to a reputable company that can provide you with a reliable limousine service in White Bear Lake, MN? Maybe you need to turn to experienced professionals for your wedding transportation? In either case, Premier Airport Limousine Rental is the right choice for you. Licensed and insured, we have been serving local residents since 1995, and today, we are one of the most renowned companies in the area, delivering outstanding services that come at reasonable rates.
Limousine Service, Airport Limousine, Limousine Rental, Wedding Limousine, Events Limousine
http://premierairportlimos.com
Kim Hoper
 Sep 30th, 2015
Laseelle’s Welding & Iron Works
Brooklyn, NY, 11226
(718) 313-9851
Laseelle’s Welding and Iron Works offer a wide array of products and services, from a Welding Repair to iron works, fence and gates since 1995. We are dedicated to providing outstanding results to our clients, regardless of the nature of the job at hand. In business since 1995 we take care of any project in a timely and professional manner. If you need well-equipped and highly qualified welder or professional and affordable welding services don't doubt - give us a call!
Welder, Welding Repair, Welding Company, Welding Repair Company, Welding Service,Welding Repair Service, Welding Shop, Welding Contractor, Local Welding Company, Metal Welding, Residential Welding Company

http://laseelleswelding.com/
Natalie Loorine
 Jul 14th, 2015
Miller Joiner General Contractor Inc
Jacksonville, FL, 32210
(904) 591-3420

Miller Joiner General Contractor Inc provides Room Additions , Roofing , Siding , Remodeling, Home Remodeling, Whole House Remodeling and many more since 1995.
Room Additions; Roofing; Siding; Remodeling, Whole House Remodeling

Custom Home Builder, Custom Home Remodeling , Home Building Contractor, Local Home Builder , Hardwood Floors

http://mjgeneralcontractorinc.com/
Alen
 Jun 18th, 2015
At first, i received 2 texts (SMS), saying they are interested in buying my 1995 BMW K-1100 that shows on the Kijiji Ads...they call from anyphone in the States (at times, SMS from Oregon or Pennsylvania or else)...always happens as soon as i post or repost my ad...but i never replied. Nor will i ever! That's why i have "Caller ID"...very useful... it is best to never answer...Anyway, i only and always sell local! No go-betweens! No problem! Don't be curious...Don't follow suit...Best to ignore them! Let them spend their time elsewhere! F.O. Scammers!
Jon Peters
 Sep 25th, 2014
Scammed us for 2 Coachella Tickets

$400 Scammed.

Her name she told us was Ketura Hussian - We also went to her house so thats why it seemed legit.

Believe her address is 7709 Gerbble Street SD CA 92114 I have been to her house. it could be 7109 tho I'm not entirely sure.

She drives a hideous old purple car similar to a 1995 nissan sunny if thats not what it is,

Its covered in hello kitty stuffy and has plastic chrome rims
Arizona
 Apr 23rd, 2014
Advanced Heating & Air
2824 Secretariat Street, Atwater, CA 95301
(209) 208-4798
We offer hvac services for the area of Winton CA since 1995.
HVAC Contractor, Air Conditioning Repair, Commercial Refrigeration, Air Conditioning Contractor, Heating Repair

http://advance-hvac.com/
Liam
 Mar 27th, 2014
Number is AFNI, aka a scavenger debt collectors in Bloomington, IL. Calling about some utility bill from 1995 that belonged to a deceased unrelated friend whose last mail was forwarded here. That is sad! Sorry excuse for a business.
looking 4 who
 Sep 27th, 2013
tity Name: GLOBAL CROSSING LOCAL SERVICES, INC.
Entity Number: C1955541
Date Filed: 12/19/1995
Status: ACTIVE
Jurisdiction: MICHIGAN
Entity Address: 818 WEST 7TH STREET
This is who is calling, company is listed in California but registered in Michigan


Entity City, State, Zip: LOS ANGELES CA 90017
Agent for Service of Process: C T CORPORATION SYSTEM
Agent Address: 818 W SEVENTH ST
Agent City, State, Zip: LOS ANGELES CA 90017
Searched for: GLOBAL CROSSING LOCAL SERVICES, INC.

ID Num: 204059
Entity Name: GLOBAL CROSSING LOCAL SERVICES, INC.
Type of Entity: Domestic Profit Corporation
Resident Agent: THE CORPORATION COMPANY
Registered Office Address: 30600 TELEGRAPH ROAD STE 2345 BINGHAM FARMS MI 48025
Mailing Address: MI
Formed Under Act Number(s): 284-1972
Incorporation/Qualification Date: 1-4-1995
Jurisdiction of Origin: MICHIGAN
Number of Shares: 1,000
Year of Most Recent Annual Report: 13
Year of Most Recent Annual Report With Officers & Directors: 13
Status: ACTIVE Date: Present
John
 Sep 12th, 2013
Caller is rude calls ay 8:00 am every day for the past 2 weeks, will not say why they're call but starts asking for my name and social security number, which I refuse to give out since they will not say who they are, I end up just hanging up in them. I have reported there number to the FTC I have no debt and if I do its something sold from 1995 and the statue of limitation is over. Stop calling my number.
Sam
 Jul 29th, 2013
Accounts Receivable Management is a collection agency that has been in business since 1975. Accounts Receivable Management is headquartered in Thorofare, New Jersey, and has offices in Louisville, Kentucky, and Midland, Georgia. Accounts Receivable Management collects on debt originally owed to credit card companies, retail stores, hospitals, auto finance companies, and student loan companies.

According to its Web site, Accounts Receivable Management’s “commitment to service and excellence is second to none.” However, according to its track record, Accounts Receivable Management’s collection activities shed a much different light when analyzed under the Fair Debt Collection Practices Act. The FDCPA has been around for almost 35 years. The FDCPA is a federal law that applies to every state. In other words, everyone is protected by the FDCPA. The FDCPA is essentially a laundry list of what debt collects can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.

According to the Public Access to Court Electronic Records (PACER), Accounts Receivable Management has been sued over 100 times in the last 3 years for debt collection harassment. It does not get any better for Accounts Receivable Management on the Better Business Bureau. The Better Business Bureau has processed over 70 billing/collection issues, and over 85 total complaints, regarding Accounts Receivable Management in the last three years.

Accounts Receivable Management has several telephone numbers it places debt collection calls from. Accounts Receivable Management may be calling you from the following telephone numbers: 800-220-3350, 954-874-9920, 832-260-0414, 866-932-6801, 888-548-8829, 866-937-2249, 866-932-6805, 866-998-8526, 231-306-4788, 803-325-1158, 602-274-9911, 866-932-6810, 877-813-2900, 866-932-6721, 866-679-4046, 800-303-1995, 866-839-8858, 800-777-6116, 732-726-5692, 856-931-4500, 614-322-1696, 443-550-7975, 202-367-9845, 231-337-2146, 269-477-2149, 614-246-9462, 651-319-9163, 714-364-4465, 800-942-1572, 818-251-9361, 856-687-4120, 866-932-6731, 866-932-6770, 866-932-6791, 888-276-8572, 904-421-3330, 208-321-6554, 253-218-3451, 313-483-7070, 502-457-9129, 616-818-7896, 678-331-7211, 757-394-3149, 800-993-4685, 855-593-0070, 856-687-4127, 866-932-6712, 866-932-6741, 866-932-6777, 866-932-6820, 916-529-4409, 973-718-2454, 208-577-6173, 254-230-0272, 405-555-0199, 561-869-4490, 651-304-6390, 678-331-7257, 800-557-2114, 856-472-2473, 866-281-4135, 866-932-6713, 866-932-6750, 866-932-6780, 866-932-6802, 866-932-6822, 888-871-6484, 916-529-4413, 267-439-4927, 425-648-9488, 571-261-0052, 651-304-6871, 702-734-2654, 800-620-4284, 817-717-8245, 856-687-4115, 866-590-1779, 866-932-6726, 866-932-6755, 866-932-6786, 877-696-2660, 888-988-7727, and 952-259-1101.
Is Accounts Receivable Management harassing you over a debt?
Clair Ashmont
 May 30th, 2013
The Healing Touch
Address: 35 W Main Ave, Morgan Hill, CA 95037-3667
Phone number: (408) 778-3281
The Healing Touch of Morgan Hill, CA since 1995.

Website: http://thehealingtouchca.com
Kim
 Apr 17th, 2013
Wrightway Roofing & Contracting
Address: 316 North St, Richmond, KY 40475
Phone: (859) 358-6897
Website: http://wrightwayroofers.com

Since 1995 Wrightway Roofing & Contracting has been serving at Richmond, KY and all surrounding areas in whole state. Call is now for quality!
Fire Restoration, Roofing - Residential, Commercial, Maintenance, Repair, Gutter
Jack
 Feb 27th, 2013
It's me, Jesse Gee. I am a telemarketer from Phoenix, Arizona, and you cannot stop me from annoying you, which I like to do. I operate the 623-282-1196 number. Here is my LinkedIn profile so you can see what an important guy I am.


Jesse Gee's Overview
Current
CEO at Going Green Solar, LLC
602-507-6525
Past
CEO at Venture Commercial Mortgage LLC
Chariman & CEO at Freestand Financial
Education
mayer



Jesse Gee's Summary
I got my start in the mortgage industry in 1998 as a telemarketer and quickly rose through the company to eventually purchasing it in 11/99 at the age of 21. At the time the company had 10 employees and was funding less than 1MM per month in residential mortgages. By 2007 the company had grown to nearly 1000 employees and funding approx. 2 billion annually in mortgages as a mortgage banker with 30 offices located throughout the Southwest. I sold the business in 2/07.

From 2/07 through 2/08 I acted as CEO of Venture Commercial Mortgage & Development. This company specialized in acquisition, development, and construction financing for commercial real estate projects. I sold my interests in this company in 2008

Currently I am CEO of Going Green Solar LLC. The company is headquartered in Phoenix, Arizona. Going Green Solar LLC is in the renewable energy industry with a focus on solar electric ( photovoltaic ) and solar hot water heating (thermal) combined with other energy saving equipment. The company has a unique offer through its Going Green Now Marketing Initiative that allows qualified homeowners to install a system with no additional out of pocket expense.
Specialties
Leading, Managing, Marketing, Sales.

Jesse Gee's Experience
CEO
Going Green Solar, LLC
Privately Held; 11-50 employees; Renewables & Environment industry
January 2009 – Present (3 years 11 months)
CEO of Going Green Solar, LLC a for profit corporation that markets, sales, finances, and installs renewable energy products including solar hot water heaters and photovoltaic (solar hot water heater, solar electric panels, and other energy saving products). The company is headquartered in Phoenix, Arizona.


CEO
Venture Commercial Mortgage LLC
November 2006 – February 2008 (1 year 4 months)
Commercial Real Estate Lending & Development
Chariman & CEO
Freestand Financial
Privately Held; 201-500 employees; Real Estate industry
November 1998 – February 2007 (8 years 4 months)
Chariman & CEO of one of the largest privately held mortgage bankers in the Southwest.


Jesse Gee's Education
mayer

1991 – 1995
Jesse Gee
 Feb 16th, 2013
River city Roofing
Address: 3291 Old National Turnpike, Brooks, KY 40109
Phone: (502) 551-2417
Website:http://rivercityroof.com/
For roofs with Lifetime Warranty call us now. Since 1995 River city Roofing has been installing the most strengthful and beautiful roofs at Brooks, KY and all surrounding areas!
Winston
 Feb 07th, 2013
Also found an old website screen snap with an 800 number? 800.700.1995
Ashi
 Jan 14th, 2013
Got a call from "(unintelligible) Technical Support" and was told that the computer we are using is "causing errors and reporting it to technical support". I kept asking him for specifics, and then pressed him to tell me what version of Windows was reporting the problem? He said "XP or Vista". I told him "impossible - all the computer I have run Linux. Ubuntu to be specific". He said that Linux was only for "Big Companies". He hung up when I told him that "I haven't paid for a version of Windows since 1995... POWER TO THE PEOPLE, MAN!"

Next time I will be the most sincere, wanting to do whatever they want me to do, most technically inept person they've *ever* talked to.
I_WORK_in_IT
 Jan 08th, 2013
Brent Farley Siding
45510 County Road 58, Coshocton, OH 43812
(740) 622-0324

http://www.farleysiding.com

Since 1995 Brent Farley Siding has been serving to Your roofing and siding needs!
William
 Jan 03rd, 2013
This telemarketing call comes from an organization owned by Jesse Gee of Phoenix, Arizona. Research him yourself on the internet. Here is his LinkedIn profile:

Jesse Gee's Overview
Current
CEO at Going Green Solar, LLC
Past
CEO at Venture Commercial Mortgage LLC
Chariman & CEO at Freestand Financial
Education
mayer



Jesse Gee's Summary
I got my start in the mortgage industry in 1998 as a telemarketer and quickly rose through the company to eventually purchasing it in 11/99 at the age of 21. At the time the company had 10 employees and was funding less than 1MM per month in residential mortgages. By 2007 the company had grown to nearly 1000 employees and funding approx. 2 billion annually in mortgages as a mortgage banker with 30 offices located throughout the Southwest. I sold the business in 2/07.

From 2/07 through 2/08 I acted as CEO of Venture Commercial Mortgage & Development. This company specialized in acquisition, development, and construction financing for commercial real estate projects. I sold my interests in this company in 2008

Currently I am CEO of Going Green Solar LLC. The company is headquartered in Phoenix, Arizona. Going Green Solar LLC is in the renewable energy industry with a focus on solar electric ( photovoltaic ) and solar hot water heating (thermal) combined with other energy saving equipment. The company has a unique offer through its Going Green Now Marketing Initiative that allows qualified homeowners to install a system with no additional out of pocket expense.
Specialties
Leading, Managing, Marketing, Sales.

Jesse Gee's Experience
CEO
Going Green Solar, LLC
Privately Held; 11-50 employees; Renewables & Environment industry
January 2009 – Present (3 years 11 months)
CEO of Going Green Solar, LLC a for profit corporation that markets, sales, finances, and installs renewable energy products including solar hot water heaters and photovoltaic (solar hot water heater, solar electric panels, and other energy saving products). The company is headquartered in Phoenix, Arizona.


CEO
Venture Commercial Mortgage LLC
November 2006 – February 2008 (1 year 4 months)
Commercial Real Estate Lending & Development
Chariman & CEO
Freestand Financial
Privately Held; 201-500 employees; Real Estate industry
November 1998 – February 2007 (8 years 4 months)
Chariman & CEO of one of the largest privately held mortgage bankers in the Southwest.


Jesse Gee's Education
mayer

1991 – 1995
Annoyed
 Nov 06th, 2012
JJ Ciampa & Son Plumbing
Address: 18 Linden St, Nashua, NH 03064
Phone number: (603) 883-4293
http://www.jjciampaplumbing.com/


J J Ciampa & Son Plumbing has been in business since 1995 and offers plumbing service in Nashua, NH and the surrounding areas
Clara
 Oct 24th, 2012
It's AFNI (Anderson Financial Network, Inc.) in a collection call sequence. Yes, I have no money to pay the bill, that's why you got the job. Yes, I have many obligations. No, I can not commit to a payment plan, I'm happy if I can eat and buy my medicines. No, I do not have a credit card to charge the balance to. No, I won't borrow the money from my mother or brother or friend or neighbor. Yes, I would like to pay my obligations. Yes, you are in the bad debt business, and right now, this is certainly in that category. Money doesn't grow on trees, so how about you employ me and all the other bad debtors out here and we'll just call each other all day and all night at home, at work, and maybe on multiple phones, too-- all at your expense? Maybe you can give me your home phone and I can call you like twelve hours a day at multiple numbers and just tell you I still don't have the money. Maybe you'll be successful. Maybe you'll just wear me out enough to the point of no hope or self worth. Maybe if I actually recover from the serious medical problems I'm currently facing that are creating this financial nightmare of stress, tension and shame--I may actually consider bankruptcy. I'll be able to keep my 1995 car. How about my underwater mortgage--probably keep that too--because no one else wants to absorb the 25K property value loss. How about my medical insurance payments @ 125/mo in 2005 and now @ 676/mo in 2012? Yes, I'm sure I can keep those, too. Along with pharmacy related expenses topping 10K/yr. Yes, it's true, all true. Even more true is that I know I couldn't even afford to work at AFNI, and actually feel sorry for people who do, as I know if they are ever in my spot, they couldn't pay all their bills either.
Life's a bitch, and you know something? If I did not have the money this morning on my unsmart phone, why did you think I'd have it later today on my home phone? Oh yes, I know, two phones you can afford. Not really, one is attached to lifeline $39/mo, and the other for medical emergencies--so quit burning up my prepaid minutes and respect you are costing me more money. The fact is if you want the money, you will have to wait. Period. No ifs, ands, or buts. Forcing me into bankruptcy, you will end up completely empty handed, that is the only assurance I can give you. Stop calling me, please--debtor's prisons were outlawed, but my home has become your torture chamber and I just cringe in pain when the phone rings again.
Harrassed
 Oct 18th, 2012
Brighton Homes
11194 Aquila Place Northeast Poulsbo WA 98370
3606983875
http://brighton-remodeling.com
We are in this business since 1995 and we will do our best to satisfy your requests.
Remodeling, Remodeling contractor, Home Remodeling, Kitchen Remodeling, Bathroom remodeling
BrightonHomes
 Sep 27th, 2012
Golden Gutters

Address: 504 E Franklin St, Richmond, VA 23219

Phone: (804) 921-1319, 804-921-1319

Website: http://gutter-cleaning-richmond-va.info/

Gutter Guards, Gutters, Gutter Repairs, Commercial Gutters, Manufacturer

A basic part from the gutter cleaning process is putting a hose with a jet drop down clogged downspouts make sure that they are well cleaned.

Golden Gutters is a full service rain gutter company with many satisfied customers that has been in business since 1995. Whether you need a complete seamless gutter system, a one foot section of gutter above your door, gutter repairs, gutter guards or just a gutter cleaning you can depend on Golden Gutters.
Neil Powley
 Aug 16th, 2012
Crooks plain and simple. For those who have old debts or even recent debts, request an original contract that has your signature. If they can not provide that, they have nothing! Repeat NOTHING! These people buy debts for pennies on the dollar, and 99% of these have NO origination. It's a gamble they take, and you would be surprised at how many people fall for this and pay.
DO NOT PAY unless they can provide original documention with your signature.
I had one of these numbnuts try to collect a $200 debt from 1995 LOL. Pay now, and it's only $75 bucks. I bet they paid a dollar for this debt, or they probably just stoled the info. Their crooks and should be put in jail.
RCT
 Jun 08th, 2012
Glorias Cleaning Services
623 Orchard Street, Watsonville, CA 95076
http://gloriasservices.com/
We offer the best cleaning service in Watsonville, CA since 1995. With our services you can be sure that everything will look perfectly.
Cleaning Service, House Cleaning Service, Cleaning Companies, Cleaners, Window Cleaning Service
harry
 Jun 05th, 2012
I did not answer the call; no message was left. Here's what I found after an Internet search: "Mpower Communications Corp. provides -based integrated communication services in Southern California, Chicago, Atlanta, Southern Florida, and Las Vegas. It offers broadband data and voice communication services to small and medium size businesses, and residential users. The company also provides Internet, voice over DSL, long distance and local phone services, custom calling services. In addition, it offers various communications products and services. Mpower Communications Corp. was formerly known as MGC Communications, Inc. and changed its name to Mpower Communications Corp. in August 2000. The company was founded in 1995 and is based in Pittsford, New York."

So, I'm on the Do Not Call list, I've never done business with this company, and they have no business calling me. I did not answer the call, and no message was left. Arrrrrrrg!!!
Wickedwitch
 May 29th, 2012
Laser Products Sales & Services
10506 Bridgeport Way SW, Suite 6 Tacoma, WA 98499
Main Phone: (253) 582-8074/ Fax: (253) 582-1995/ Cell Phone: 253-507-9578
www.laserproductsss.com
Opened the business at propritors garage in1988. Started as a Remanufacturing Toner Cartridges, Drums and Developers. Moved to Store front location in 1993. Authorized Service Center for Printwear.
Printer Repair Fax Machine Repair Office Equipment Service Office Equipment Repair Computer Repair Service
Thomas Joseph
 Mar 29th, 2012
Allan's Handyman Do It All

2308 Havertown Place Modesto, CA 95358

2099887770

www.allandubboncontractor.com/


We specialize in all aspects of general construction including the following services such as Plumbing,Electrical,Painting,Granite,Drywall,Remodeling since 1995!

General Contractor,Handyman Service,Contractor,Construction Company,Handyman
J.Powers
 Mar 02nd, 2012
plaza debt collection, looking for someone else who bought my old home way back in 1995,
somehow they latched on to my landline, I have had this number through three different area codes
for over thirty years.
If the debt collectors did a simple internet search they would have found who they were looking for,
not bothering me with this "Crap"
r2
 Nov 30th, 2011
J Lop Painting Co

We have been serving Murrieta residential and commercial community since 1995.
We are honest and dependable, licensed and insured.
Painter, House Painting, Residential Painting, Painting Services, Painting
Billy
 Nov 18th, 2011
Absolute Roofing of South West Florida

12825 Collier Boulevard Naples, FL 34116

phone: (239) 774-2400

www.absoluteroofingfla.net

Our company specializing in high wind roofing applications offering extended manufacturer warranties in Naples, FL since 1995.
Flat Roofing, Roofing Contractor, Roof Repair, Roofing, Metal Roofing
Smith
 Nov 17th, 2011
This is the main place that I have worked for and to send complaints about: There direct number for employee's is 757-490-9860. I worked here for two weeks before I relized how we were scaming customers...the "free diamond watch" only cost the company $2 bucks each and as far as I know there are no real sweepsteaks drawings...I needed a job, and it was a quick job to get and I am sorry for anyone I have sold to. Do not work here!! The person the employee talks to too call in sick or whatever is JR, just ask for him and they will put you through. Not sure if this will help anyone but I noticed how NRS the fake company we say in the script has a D- on the BBB website and IMA (International Marketing Association, Inc.) rating is great, which is the actual company that we as employees are not allowed to say on the phone.
BBB Accredited Business since 11/09/1995
International Marketing Association
Find a Location

757-490-9860View Additional Phone Numbers3509 Virginia Beach Blvd, Virginia Beach, VA 23452-4421
International Marketing Association BBB® Accredited Business Seal
BBB® Accredited A+ Rating
On a scale of A+ to F Reason for RatingBBB Ratings System Overview
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Request a quote from International Marketing Association.
BBB Accreditation

A BBB Accredited Business since 11/09/1995

BBB has determined that International Marketing Association meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised International Marketing Association's rating include:

Length of time business has been operating.
Complaint volume filed with BBB for business of this size.
Response to 1 complaint(s) filed against business.
Resolution of complaint(s) filed against business.
BBB has sufficient background information on this business.

Customer Complaints SummaryRead complaint details
1 complaint closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Problems with Product / Service 1
Advertising / Sales Issues 0
Billing / Collection Issues 0
Delivery Issues 0
Guarantee / Warranty Issues 0
Total Closed Complaints 1

Complaint Details | Definitions | BBB Complaint Process | File a Complaint

Government Actions

BBB knows of no significant government actions involving International Marketing Association.

What government actions does BBB report on?
Advertising Review

BBB has nothing to report concerning International Marketing Association's advertising at this time.

What is BBB Advertising Review?

Additional Information
top
BBB file opened: 07/06/1994Business started: 05/01/1994
Type of Entity

Corporation

Incorporated: May 1994, VA
Contact Information
Primary Contact: Mr. Daryl DeCroix (President)Ms. Debi De Croix (Office Manager)Ms. Pam Duncan (Accounts Payable)
Number of Employees

2
Business Category

Magazines - Dealers, Magazine Sales
Alternate Business Names
Subscription Services
BBB Program Participation
This company participates in the BBB Identification Program and has agreed to use special procedures including arbitration, if necessary, to resolve disputes.
Cindy
 Sep 21st, 2011
All: If you are receiving repeated, misdirected, and/or abusive calls from a third party debt collector, you may find relief in the provisions of the FDCPA, the federal law which regulates collector behavior and provides you simple tools for your own defense. It grants you control of how you are contacted, the right to dispute debt claims, and the means to sue at low cost. Learn your rights and first response tactics at FTC-dot-gov. See also your state laws for additional support.

http://www.ftc.gov/os/statutes/fdcpajump.shtm


Fun facts about Portfolio Recovery Associates:

In recent years they'd submitted many thousands of affidavits signed by one Martha Kunkle, assuring judges PRA had standing to sue and garnish the assets of as many citizens, swearing to present ''a true and correct accounting'' of their account balances. The only tiny nagging problem was Ms. Kunkle had DIED in 1995!

In 2009 PRA gave up fighting a Federal suit filed in Montana over these falsified documents. The ''robo-perjury'' was penned by multiple employees of lender Providian, led by Kunkle's own surviving daughter. Portfolio Recovery, the buyer of the large bundle of Providian accounts they were suing for, tried claiming clean hands. In 2008 testimony in another case revealed that PRA's own legal reps ''sign as many as 200 affidavits a day''. At that clip, you can bet that *nothing* those documents said was first verified.

Following a damning Wall Street Joural article (''Dead Soul Is a Debt Collector'') on the last day of 2010, Portfolio Recovery CEO Steve Fredrickson whined to the WSJ editor about what a sterling reputation he thinks PRA has, put all the blame on Providian/WaMu, and alleged that mother and daughter Kunkle shared the same first name. However, a New York Magazine item, (''The Immortal Life of Martha Kunkle'') also from 31 December, asserts that Mom's birth name was Martha Marie and her mass-signing daughter answers to Lorraine.
Resident47
 Sep 11th, 2011
Always Go Traveling Houston TX


1141 Bagby St, Houston, TX 77002

phone no. (281) 784-0071

www.alwaysgotraveling.com

The combination of being located in Houston, TX since 1995 and our professionalism guarantees our global connections with the best hotels, cruise lines and tour companies.
Travel Agent, Car Rental, Cruise Packages, Hotel Reservations, Travel Agency
Ellan
 Sep 07th, 2011
A little history on Portfolio Recovery Associates:

In recent years they'd submitted many thousands of affidavits signed by one Martha Kunkle, assuring judges PRA had standing to sue and garnish the assets of as many citizens, swearing to present ''a true and correct accounting'' of their account balances. The only tiny nagging problem was Ms. Kunkle had DIED in 1995!

In 2009 PRA gave up fighting a Federal suit filed in Montana over these falsified documents. The ''robo-perjury'' was penned by employees of lender Providian, led by Kunkle's own surviving daughter. Portfolio Recovery, the buyer of the large bundle of Providian accounts they were suing for, tried claiming clean hands. In 2008 testimony in another case revealed that PRA's own legal reps ''sign as many as 200 affidavits a day''.

PRA began posting a huge profit increase last year, becoming a darling among investment journalists, and last summer hired a fresh gang of lawyers for its stable of lawbreakers. By the dozen they have won stealth judgments, meaning assets frozen before the alleged debtor knows what happened, and often against the poor and working class.

Following a damning Wall Street Joural article (''Dead Soul Is a Debt Collector'') about the Kunkle mess on the last day of 2010, PRA slapped up a softsoaping ''resolution center'' website In January 2011 and promptly spammed a bunch of consumer forums to promote it. PRA had just finished merging and rebranding its municipal debt collection subsidiaries and evidently was desperate to play spin doctor in any forum bearing complaints, possibly anticipating a fresh wave of hatred from people being hassled over parking tickets. The not-very-resolving website is of course misleading and faulty in many ways, designed in part to make people forget their rights. Another reason to stay on a paper trail.

Do not roll over for PRA or any collector, but don't ignore one either. The FDCPA grants each of us the private right of action, but it's powerless if we don't use it. Learn your rights at FTC-dot-gov.
Resident47
 Aug 06th, 2011
866-614-6535 888-432-3151 410-986-0085 866-534-0248 866-372-8498 704-523-8444 866-816-1066 877-394-8289 888-804-3484 215-441-3000 888-438-6896 888-804-3488 800-735-6588 877-803-8009 800-842-0640 866-425-8131 800-979-6560 866-767-5640 800-321-7267 866-437-7403 888-841-7074 866-849-2443 800-807-7809 877-888-2043 877-793-8271 877-232-1835 888-816-1066 800-688-3370 888-675-5788 866-856-1299 888-316-3306 866-849-2439 866-776-8221 866-570-4110 800-220-2274 866-287-2543 410-846-2502 866-372-8497 800-709-8625 877-847-0092 866-401-2140 800-765-2733 800-477-1827 866-853-4965 866-429-3592 866-695-3017 888-871-6484 800-432-3988 330-782-6318 888-217-9861 800-915-3992 888-899-4778 866-889-6745 800-275-5196 404-320-0964 620-000-0000 602-000-0000 602-263-1141 866-376-1967 877-860-8153 800-816-5572 866-378-2735 416-932-4500 800-860-4200 800-233-1486 800-816-5576 866-473-9021 800-759-2224 800-213-9882 800-445-4918 866-278-1213 866-576-1447 866-220-7580 866-628-7095 800-810-0590 888-394-0494 800-786-9330 866-358-1762 800-688-7929 800-275-8105 877-273-3495 888-831-6994 888-379-4884 877-847-1486 877-899-0192 888-899-8039 215-244-4200 215-442-8300 800-621-7195 866-381-9807 800-218-1175 866-256-9096 800-477-3826 866-473-6445 866-932-6731 614-827-7500 866-506-2667 800-897-0308 800-303-1995 425-648-9467 267-519-4400 866-671-7222 866-922-1984 800-273-8616 888-858-5979 800-785-1426 800-260-5570 800-616-1171 866-711-4718 866-701-1275 800-511-8670 800-709-8623 800-974-9728 800-273-6816 877-843-7429 866-266-6318 866-319-8981 800-728-3346 866-442-0536 877-231-1251 877-349-7517 800-733-8782 888-788-7033 877-363-0954 810-588-7103 800-727-8444 650-230-1968 800-688-3390 800-480-1534 877-212-7434 866-227-9324
NCO phone
 Jul 17th, 2011
I REASERCHED THIS NUMBER ON THE WEB AND THIS IS WHAT I FOUND (This is just one of many instances I found):

CONSUMER ALERT: Feb. 2007

CONSUMERS ARE WARNED NOT TO FALL FOR THEIR SCAM OF ATTEMPTING TO COLLECT ON TIME BARRED DEBTS FROM VERIZON/GTE ACCOUNTS THAT DATE BACK TO THE EARLY 90'S. AFNI CANNOT SUE ON THESE DEBTS, THEY CANNOT REPORT THEM ON YOUR CREDIT FILES. AFNI IS HURTING FOR COLLECTION ACCOUNTS & PAID PENNIES FOR THIS WORTHLESS PORTFOLIO, HOPING TO CASH IN. THIS IS A SCAM -- YOU DO NOT HAVE TO PAY ON THESE OLD, OUTDATED ACCOUNTS!

FAX A LETTER TO AFNI AT

309-828-0931

STATING: I REFUSE TO PAY THIS DEBT! (Get a receipt it was received)

This used to be a decent operation with a good name and reputation… not anymore. They have slithered down to the lowest point a bottom feeder can stoop to, collecting on old, worthless, out of statute accounts, especially on a VERY old Verizon Wireless portfolio. Our friends at Rip Off Report www.ripoffreport.com have been inundated with complaints about these sleazy vultures, take a look at:

http://ripoffreport.com/results.asp?q1=ALL&q4=&q6=&q3=&q2=&q7=&searchtype=0&submit2=Search%21&q5=afni&Search=Search

We have ben aware of the fact that junks debt buyers are running out of paper as the market has far too many collectors looking to make a fast buck at the expense of unsophisticated consumers, however collecting on 1994-1995 debts is a sign that AFNI and it’s debt collecting owners may be somewhat desperate to keep their ship afloat? Are things that bad at AFNI that collectors are harassing and threatening consumers over debts that are more than ten years old?

I will not be surprised when I learn that AFNI is changing dates of last activity on credit reports, such is the scam of these bottom feeders. They do this to inflate the net worth of their portfolios, so they can borrow more money to buy junk debts. These are the lowest of the low life’s, which collect debts.

Many other bottom feeders such as NCO, Portfolio Recovery Associates, Asset Acceptance Corp. and almost anyone with a Buffalo, NY area address are out there collecting on VERY old debts. Their argument is they purchased the accounts and have a right to collect. My argument is they paid pennies for them and are gambling consumers can be intimidated, threatened and in some cases monies extorted on false threats of legal actions and/or credit reporting. Consumers are urged o demand validation of all debts from a bottom feeder because the majority of them have nothing to back up their claims.

2007 looks to offer a lot of surprises in the collection industry. AFNI is giving themselves and Verizon a bad name by collecting and threatening on these old, worthless debts. Consumers are urged to NEVER pay them a cent until/unless they can validate them legally. These parasites are preying on old, dead carcasses to earn a living, make them spend a LOT of money in the validation process.

If you are being harassed, intimidated or threatened by AFNI, we urge you to contact us. Record their collector calls (where legal) as a good tape can put money in your pocket. Contact me for assistance and referral to a local consumer law professional. If you suspect information on your credit reports by AFNI is bogus, talk with an attorney with; www.myfaircredit.com who can offer you assistance

http://www.budhibbs.com/debtcollectorpages/AFNI.htmCaller ID: 866-633-4384
Caller: AFNI
Call Type: Debt Collector
Nita
 Apr 22nd, 2011
Princeton Movers Bel Air North
Bel Air North, MD
21014
250 Princeton Ln, Bel Air North, MD
Main Number: (410) 656-2773
http://maps.google.com/maps/place?hl=en&georestrict=input_srcid:2fa3f63251430a77
Good Movers Bel Air North is moving company and is in business since 1995. We offer international, commercial, local moving and storage in Bel Air North, MD.
Isaac Princeton
 Apr 11th, 2011
Address: 212 Fesslers Lane Nashville, TN 37210
Telephone: 6152424211

http://www.diamondmachinecorp.net

The Diamond Machine shop has been serving the automotive, aviation and medical industries since 1995. We are a Nashville based company with many years of diverse experience in the special machinery.
Machine Shop, Equipment Repair, Metal Fabrication, Machining Manufacturer
Diamond Machine
 Mar 17th, 2011
Biggers Betsy PHD EGB Psychotherapy
1061 Columbine Rd Asheville, NC
28803
FAKE ADDRESS
8282753496

betsybiggers.com
Betsy has been in private practice as a psychotherapist in Asheville since 1995. Betsy's practice includes work with adults, teenagers, children, families, couples, as well as parenting issues.
Marriage Counseling, Individual Counseling, Psychotherapist, Family Counseling, Couples Counseling
Biggers
 Feb 04th, 2011
Before the "Pay Youse Bills" kneejerkers come along to call you lazy deadbeats, let's share some fun facts about Portfolio Recovery Associates. In recent years they'd submitted many thousands of affidavits signed by one Martha Kunkle, assuring judges PRA had standing to sue and garnish the assets of as many citizens, swearing to present "a true and correct accounting" of their account balances. The only tiny nagging problem was Ms. Kunkle had DIED in 1995!

In 2009 PRA gave up fighting a Federal suit filed in Montana over these falsified documents. The "robo-perjury" was penned by multiple employees of lender Providian, led by Kunkle's own surviving daughter. Portfolio Recovery, the buyer of the large bundle of Providian accounts they were suing for, tried claiming clean hands. In 2008 testimony in another case revealed that PRA's own legal reps "sign as many as 200 affidavits a day".

Following a damning Wall Street Joural article ("Dead Soul Is a Debt Collector") on the last day of 2010, Portfolio Recovery CEO Steve Fredrickson whined to the WSJ editor about what a sterling reputation he thinks PRA has, put all the blame on Providian/WaMu, and alleged that mother and daughter Kunkle shared the same first name. However, a New York Magazine item, ("The Immortal Life of Martha Kunkle") also from 31 December, asserts that Mom's birth name was Martha Marie and her mass-signing daughter answers to Lorraine.
Resident47
 Jan 23rd, 2011
Don't let the madness stretch a fifth year, Bllluejem. Take action as I've been suggesting here for weeks.

Another fun fact about PRA .... In recent years they'd submitted many thousands of affidavits signed by one Martha Kunkle, assuring judges PRA had standing to sue and garnish the assets of as many citizens, swearing to present "a true and correct accounting" of their account balances. The only tiny nagging problem was Ms. Kunkle had DIED in 1995!

In 2009 PRA gave up fighting a Federal suit filed in Montana over these falsified documents. The "robo-perjury" was penned by employees of lender Providian, led by Kunkle's own surviving daughter. Portfolio Recovery, the buyer of the large bundle of Providian accounts they were suing for, tried claiming clean hands. In 2008 testimony in another case revealed that its own legal reps "sign as many as 200 affidavits a day".

One day some miserable troll will appear on this thread or some other for PRA, or another large volume collector, browbeating you to "pay youse bills" and "stop whining" and "accept responsibility". Just think of dearly departed Martha Kunkle, and her faithful daughter, and the many collection industry drones who are _trained_ and _paid_ to LIE to your FACE about your supposed "responsibility".
Resident47
 Jan 12th, 2011
The Computer Guys is a full spectrum technology services provider operating in St. Augustine since 1995. We offer professional experience, competitive rates, and friendly staff. We do it all! Call us!
The Computer
 Jan 03rd, 2011
THIS TYPE OF CALL TO MY HOME IS WHAT I LIKE TO CALL A SEASONAL CALL MEANING SOMEWHERE OUT THERE ON THE UNIDENTIFIED SERVICE PROVIDER THAT USES MY IN HOMES LINE CONNECTION TO PROCESS THERE UNDER THE TABLE ACTIVITIES IS EATHER CLEARING A FRAUDULANT ACCOUNT OR SERVICE THEY HAVE BEEN USING UNTO THE ADDRESSES KNOWLEDGE EATHER IN A SETTLEMENT PROCESS, A CLAIMS PROCESS,OR A QUARTERLYGET OUT OF TOWN PROCESS ONLINE....COMMUNICATIONS, MEDIA SYSTEM OR/AND OTHER SOURCE SCAMS ARE A BIG BUSINESS IN A QUARTLY WAY THAT CAN ALSO BE A PROCESS TAX WISE THE WAY I SEE IT OR HAVE SEEN IT RUNNING THROUGH MY PHONE LINES FOR SOME TIME NOW IT TAKES ALL TYPES AND ABOUT FIFTY STATES OR MORE I'LL THROUGH "INTERNATIONAL" IN THERE TOO.BEING THAT ALL MY COMPLAINTS TOWARDS ANY INVASION OF PRIVACY THAT HAS RUN THROUGH MY HOMES PHONE CONNECTIONS THAT HAS A 1986 HISTORY TO PRESENT DATE...NUMBERS SUCH AS THIS ARE NOTHING MORE THEN A SCAM ACCORDING TO MY OWN RESEARCH OF CORSE AS STATED ALL COMPLAINTS OF ANY KIND HAVE BEEN IGNORED AT A RATE OF 100% IGNORING A COMPLAINT OF MANY SEEMS TO GET THERE JOB DONE.TO LITTLE TO LATE FOR IDENTIFING SOLUTIONS IT RUNS UNDER A ONE HAND HOLDS THE OTHER FAMILY OF GROUP THING.."CENTRL RSRCH # 1+727-819-9536" FOLLOWED THE INCOMING CALLER ID CALLER "FLORIDA # 1727-819-9928"...1995@1999 28@36 EXCHANGE OR CANCELLATION OF SOME TYPE...IF YOU ANSWER THE CALL MAKE SURE YOU DON'T HAVE A VOICE IDENTIFING SYSTEM BECAUSE YOU JUST MIGHT COMFIRM A ACCOUNT SETUP AT THE SAME TRICKS OF THE TRADE TIME...PLEASE TAKE NOTE TO MY COMMENT WEATHER OR NOT IT BE FACT OR FICTION UNDER THE HORROR STORY ACT OF STEALING ONES SERVICES AND ALL THE INVASIONS OF THAT CAN BE DONE...IT IS ONLY MY "WHO AM I TO SAY" COMMENT...OCTOBER 2,2010 THE CREEPERS MONTH.
LACKEY
 Oct 02nd, 2010
Homestead Inspections

2846 North Narragansett Avenue Chicago, IL
60634

773-457-4542

homesteadinspectionsllc.com

Homestead Inspections has been providing quality home, condo and commercial property inspections since 1995. Licensed by the state of Illinois, we provide inspection services.
Home Inspection, Home Inspections, Home Inspector, Home Inspectors, Mold Inspection‎‎
Joe
 Aug 19th, 2010
THEY HAVE CALLED ME SEVERAL TIMES. THE ONE TIME i ACTUALLY SPOKE WITH SOMEONE SHE SAID SHE HAD SOME INFORMATION TO DELIVER AND HAD TO MAKE SURE SHE WAS SPEAKING WITH THE RIGHT PERSON. THEN SHE TOLD ME MY BIRTHDATE AND MONTH AND ASKED ME WHAT YEAR I WAS BORN? SHE WANTED ME TO TELL HER MY ADDRESS, AND I ASKED HER WHAT THIS WAS REGARDING. SHE GAVE ME SPECIFIC DETAILS OF A DRIVING INFRACTION I HAD IN 1995, AND SAID SHE WAS DOING COLLECTIONS FOR THE "CITY OF TORONTO". I DID HAVE THIS PARTICULAR INFRACTION BACK THEN, HOWEVER I HAD PAID IT OFF IN 2001. NONE OF THIS SEEMED OFFICIALTO ME. SHE SAID THEY HAD AMILED ME SOMETHING AND IT HAD BEEN RETURNED FROM ME? I HAVENT RETURNED ANYTHING LIKE THATIN THE MAIL. FURTHERMORE, MY CELL PHONE IS REGISTERED IN MY FRIENDS NAME? SO HOW DID THEY CONNECT ME TO THAT CELL NUMBER (SCARY) I ALSO LIVE IN B.C. AND HAVE SINCE 1996? SO THE "CITY OF TORONTO"???? IS JUST LOOKING ME UP FOR TICKETS NOW??? I DON'T THINK SO, BESIDES I PAID THE ACCOUNT IN FULL YEARS AGO. THERE IS DEFINITELY SOMETHING FISHY GOING ON HERE. I SUGGEST THAT IF THESE PEOPLE Call you GIVE THEM NOTHING! ESPECIALLY DONT ANSWER ANY OF THEIR QUESTIONS ABOUT PERSONAL INFO. THEY ARE DEFINITELY WORKING SOME KIND OF IDENTITY FRAUD SCAM!! SO BE CAREFUL AND HANG UP ON THEM, OR BETTER YET BECAUSE IT IS USUALLY A DIFFERENT PERSON EACH TIME THEY CALL, NEXT TIME WHEN THEY ASK IF YOU ARE WHO YOU ARE, TELL THEM THEY HAVE THE WRONG NUMBER AND HANG UP AND THEY WILL STOP TRYING, WORKED FOR ME. BE CAREFUL OUT THERE THERE ARE SO MANY SCAMS YOU NEVER KNOW WHO YOU ARE DEALING WITH ANYMORE! GOOD LUCK
JOE
 Aug 14th, 2010
I received a similar call regarding a lost or stolen vehicle under my name with Wells Fargo Auto Finance. I am 65, without children, and I have never driven nor purchased a car due to a disability. Wells Fargo? The Wells Fargo numbers they contact from are: 800-565-0094 800-692-7191 866-211-6980 and 407-444-1995. They seem extremely imprudent.
Fenty
 Jul 24th, 2010
I received a similar call regarding a lost or stolen vehicle under my name with Wells Fargo Auto Finance or Adele Credit Services. I am 65, without children, and I have never driven nor purchased a car due to a disability. Wells Fargo? The Wells Fargo numbers they contact from are: 800-565-0094 800-692-7191 866-211-6980 and 407-444-1995. They seem extremely imprudent.
Fenty
 Jul 24th, 2010
This is an old posting on State of CT website, but it talks about FOP... don't know if all still applies, or not...

Telephone Solicitation Raises Consumers' Questions

February 10, 1997

Attorney General Richard Blumenthal and Consumer Protection Commissioner Mark A. Shiffrin said today they have received an unusually high number of consumer inquiries regarding a professional telemarketing campaign currently being conducted to raise money for the Connecticut Fraternal Order of Police.

In just over a month ending February 6, 1997, Blumenthal and Shiffrin received 51 calls from consumers. Twenty-one of the calls came in during just four days, from February 3, 1997 through February 6, 1997.

The Connecticut Fraternal Order of Police is not affiliated with any municipal police department, union, police benevolent association or police activities league.

The organization, headquartered in New Haven, is using a paid solicitor, Civic Development Group of Hopelawn, New Jersey, to conduct a telephone campaign that is scheduled to continue through March 24, 1997. According to the contract, the Connecticut Fraternal Order of Police will receive a minimum of 15 percent of the money collected in its name. The remaining 85 percent will be kept by Civic Development Group.

"Consumers should be aware that they are not talking to a police officer when they receive a call from Civic Development Group on behalf of this organization. They also should be aware that if they make a donation, none of that money will go to help their local police departments," Blumenthal said. "I am encouraged by the large number of calls we have received regarding this campaign. It shows that consumers are heeding our warnings to be alert and seek information before they give."

"This is a good example of why we urge consumers to check with our Charities Unit before they commit their generous donations to unknown solicitors. Often consumers have never heard of the caller and do not know how much of their charity dollar will actually end up with the intended charity," said Commissioner Shiffrin. The Public Charities Unit is a joint program of the Attorney General's Office and the state Department of Consumer Protection. The Public Charities Unit has received inquiries from consumers in at least 30 communities who had received calls seeking donations.

Among the towns where residents are being solicited are: Ansonia, Bridgeport, Bristol, Canaan, Chester, Danielson, East Hartford, East Haven, Enfield, Essex, Farmington, Glastonbury, Greenwich, Hartford, Manchester, New Britain, New Haven, New Milford, Niantic, Norwalk, Ridgefield, Rockville, Salem, Sherman, Stamford, Torrington, Uncasville, Vernon, Waterford, Willimantic, Woodbury, and Wolcott.

The state filed a lawsuit against Civic Development Group in 1994, alleging that the company violated the law when its employees failed to disclose to potential donors that they were being paid to solicit contributions for the Uniformed Professional Firefighters of Connecticut. Without admitting liability, Civic Development Group settled the lawsuit in 1995 by paying a $40,000 penalty and agreed and to establish a "do not call" list, on which donors can have their names placed on request.

The Connecticut Fraternal Order of Police is registered with the state's Public Charities Unit. During the fiscal year ended December 31, 1995, the organization reported total revenue of $724,515. During the same period it reported spending $26,426 or 4.08 percent on programs (the purposes for which it was formed), $20,069 (or 3.18 percent) on management and general expenses and $600,852 (or 92.74 percent) on fundraising costs.

The organization reported that of the $26,426 it spent on programs, it spent $1,725 on donations to other charitable programs; $9,234 on travel and expenses for officers to attend seminars and conventions; $10,087 on DWI education; and $5,380 on a "Fun Day with the Police" community program.

Blumenthal and Shiffrin offered the following tips for consumers who receive telemarketing solicitations:

Make sure you understand which organization wants your money. Police departments do not solicit money over the telephone, but some police unions do.
Ask for specific information about how your donation will be used.
Ask where your donation will be used, especially if you prefer your donation to be used locally.
Ask who you are talking to. Get the name and write it down. If you're called by a police union, don't be fooled into thinking you are talking to a police officer.
Ask the caller if he or she is being paid to make the call. Connecticut law requires paid solicitors to tell you this, but don't count on them volunteering the information.
Ask what percentage of your donation the organization will receive.
Never agree over the phone to donate. Always ask for written information and read the material thoroughly.
Always donate by check, never with cash.
T
 Jul 23rd, 2010
I received a call from a Mary once from this number, then a Daniel twice. The same Wells Fargo Loan Officer, Daniel, once said he was with Wachovia and the second time we spoke he said he was with Wells Fargo Loan Services. He has called every number on my record including my employer and upon my returning the calls, the Wells Fargo Loan offices confirm that my account status is not out of ordinary and that there is no one by the name of Daniel or Mary who would have contacted me as a Wells Fargo Loan Officer. Is this a popular scam under the name Daniel of Wells Fargo Auto Loan or Home Loan services? This Daniel from Wells Fargo makes aggressive calls from this number as well as 407-444-1995. I do not know what else to do but ignore, however its uncomfortable to know that my information can be accessed, mishandled, and so easily abused.
Brent Levinson
 Jul 23rd, 2010
Woman named Candy left a message about business we have had with Bank of American since 1995. Kept talking about the business we have and the options she is working on for our business and that she would be handling the account through March, then says we might get calls from her associates and gave a phone number and extension to call back!
She never actually said she was with Bank of America. We don't have a business! Never asked for anyone by specific name, so have no idea who the call was actually for. I won't be calling back!
Phrogs
 Mar 12th, 2010
Paul Braun

President

Paul Braun is the President of Braun Research, Inc. Before founding Braun Research in 1995, Paul's 25 years of professional experience included 14 years with a major political and corporate research firm in New York City, where he was Vice President of Operations, and 1 year with Response Analysis in Princeton, NJ. On April 20, 1999 Paul A. Braun was elected President of the New Jersey Chapter of American Association for Public Opinion Research better known as AAPOR. The local chapter has over 100 members and the national organization has over 2,000 members.
This is in addition to VA Farmer and Scotts comments below.
txgringo
 Feb 28th, 2010
November 2009 Got a call today on a debt that is now under the SOL. I tried years ago to settle with these guys and 2 other creditors but they were not willing to settle so i had no other choice but to not pay.

I just learned today from this great site that the SOL in California is 4 years. This debt goes back to 2004 so I'm safe. The guy on the phone was a complete jerk.. now what do I do If I get a notice in the mail threatening legal action or a judgment? Go ask over at www.collectorsexposed.com on the forum...

October 2009 My husband obtain a credit card through Bank One NA in 1995 and stop paying the card in 1997, the credit card was charged-off in November 2001. He began receiving calls from various collection agencies in December 2006, we stated to the various debt collectors that this debt reached it SOL. It bounced around for a year in a half until it reached AAC. He received a summons in the mail stating that he owed $ 4800 and was bang sued. We went before a judge and the lawyer stated that he owed the debt and we stated that the account was charged off in 2001. the judge ordered them to submit a Bill of Particulars and they submitted a copy of a faxed copy of a statement that stated my husband made a payment in December 16, 2006, which is untrue. Because a few weeks later we began receiving collection calls and I had to file a complaint with the FTC and BBB in regards to the threats made by the previous collection. In my Grounds for Defense I listed that this debt exceeds the SOL, iI have his credit reports that go back to 2005.

October 2009 Well, I'm not quite sure where to start with these guys. In April of last year I sent them a c&d asking them to verify that they owned my account. As expected, nothing ever came. Almost a year later, the phone calls have started again. I have been ignoring them, waiting to the breaking point of madness before I would speak my mind to them. I finally did. The young lady on the other end of the phone stated, there was nothing on my record stating they got the C&D.

Long story short, I filed with the BBB of Western Michigan and today I got a response from Asset Acceptance. It was photocopies of my original documents that I signed. Yep, I signed them. However, the information that was listed was somewhat inaccurate.

My point. Is this just another scheme that a bottom feeder uses. The debt is close to the SOL, and I know that when things get there the flood gates start to be open and everything flies out. (If need be Bud, I can forward the paperwork to you and you can take a look).

September 2009 I've been getting calls from Asset Acceptance Corp. My mom took the calls and they left their contact info. I figured it was some scumbag trying to pull a fast one, instead of calling them back I got online and did some research which is how I found this website (thank god for the Internet). Today I received a letter from them pertaining to an old Wamu/Providian Credit Card Account opened in 99 which I stop paying on back in 03 or early 04 because of a charge dispute with them.

The SOL here in Louisiana is 3 yrs for Credit Cards. I know this account has since been charged off. I checked my credit report and found the same Wamu/Providian Credit Card # listed twice with Chase but with 2 different high balance amounts, however I could not find it listed with Wamu/Providian. I have never had any cc accounts with Chase until the end of 2007 at which I was approved for and received an Amazon Chase CC for 400.00. I feel that if I owed Chase anything for an unpaid CC account they would not have approved me for a CC period. I had another scumbag company Called CACH LLC trying to collect on this same Providian account up until last year they finally gave up and stopped.

There ought to be a law against people like this getting into our credit reports, altering information, and harassing consumers. I'm 47yrs.old lost my husband in 99 to a brutally violent crime I've raised my 3 children on disability & soc sec with the help of my mom. I do not want to be harassed about something that is totally worthless. The letter states that I have 30 days to dispute the validity of the debt or they will assume the debt is valid, it also says they will obtain a copy of a judgment. I have never had any judgments against me for anything and don't want any now. I am sending a dispute NOTICE & DEMAND FOR DEBT VALIDATION I have enough going on in my life to worry about then having to deal with these sorry scumbag lowlifes?

June 2009 I think we should call them 400 times a day trying to collect on the debts they have and also invent some from supposedly owing money to places that went out of business in 1880 they do this to us so we should do this to them and have a original amount of 1600 add up to 600 billion from interest accruing since 1880 see how they like their own fraud used against them

June 2009 Henry R. Idar,III is one of the worst at Asset Acceptance in San Antonio TX Have other people call him at home 682 Rattler Bluff at 210-522-0394 or on his cell phone at 210-912-0394 or send him an email at HenryIdar@yahoo.com . He brags to his buddies about cleaning out peoples bank accounts and making them write hot checks. Thinks it is funny!

June 2009 Received a call from Amy Wright at AAC. She stated they were not a collection agency but a finance company. She was trying to collect on a debt that was charged off in 2001, is she a lair, are they for real? What are my options?


Asset Acceptance Corp is very good at lying. They are not a finance company , they are bottom-feeder junk debt collectors with ankle high b.s. Your state has a three year statute of limitations, they had to stop reporting it at seven years from the charge off date. That account is under a lot of dust as well as their colorful lines of crap. Asset, like most junk debt collectors is low on fresh accounts, so they have descended into the abyss of old, out of stature debts to collect. Management must have one heck of a time motivating collectors to convince consumers to pay, so they simply lie and misrepresent to status of the debt in hopes of earning a paycheck. I suggest that you make them spend as much money as possible. Wait for the mandatory written notice, send them a dispute validation letter. They can call and ask you to pay, you can refuse and keep their meter running for a very long time.
john
 Feb 26th, 2010
Call from 888-211-5878. There was fax tone on the line. It was a telemarketing call.
Caller: Dan Stapleton (dan@inetblue.com). Calling on behalf of BIDMARK.
Internet Blueprint, Inc. DBA BidMail Corporation has been in business since 1995 Our web page at www.bidmail.com will corroborate everything I have stated. We successfully assist GCs in sending 600,000 – 800,000 Faxes each month. Unfortunately when 300 + GCs input data into their BidMail database (each GC stores 2,000 – 10,000 subs), data entry mistakes happen. I can only speculate this is the situation with your number. If you have called our toll free number and input your phone number, no additional action is needed to stop future fax calls. If you have not, and If you want our company to ensure the error does not happen again, provide your number and I will respond with the name of the GC storing your number, and the subcontractor they are trying to communicate with. Ultimately the GC storing your number is at fault; the law allows for mistakes as explained previously; once notified ,the law demands rectification. Again, please investigate our company you will see there is no deception here. Simply input BidMail in Google, this is who we are:

Dan Stapleton (dan@inetblue.com)Caller ID: 1-888-211-5878
Caller: Dan Stapleton (dan@inetblue.com)
Dr. G
 Feb 09th, 2010
I got several calls from this number. Very vague who they wanted to talk to and I thought it was my new pharmacy. The man on the phone said I owed $400 to some bank since an account was unpaid from 1995!! I told him I don't know anything about such bank and don't know how he got MY phone number and I certainly don't owe any such debt. My advice--just hang up and put this number in your blocked list!!
James
 Jan 23rd, 2010
FTC'S TSR PART 4

practices? If so, why? If not, why not,
and how should the section be changed?
(b) Are there additional specific
misrepresentations that should be
prohibited?
(c) What changes, if any, should be
made to the prohibitions to increase
consumer protections or to minimize
industry costs? Explain.
12. Section 310.3(a)(3) requires sellers
and telemarketers to obtain the
consumer’s express verifiable
authorization before submitting a check,
draft, or other form of negotiable paper
drawn on a person’s checking, savings,
share, or similar account. (a) Has this section been effective in
curbing unauthorized draft debits? If so,
why? If not, why not, and how should
the section be changed? Explain.
(b) Is there any potential conflict
between the TSR and the Electronic
Funds Transfer Act (‘‘EFTA’’)? Are there
any gaps in these two laws that affect
the protections afforded by the TSR?
(c) What burdens, if any, have
authorization requirements placed on
sellers and telemarketers? If they exist,
do these burdens outweigh the benefits
to consumers? Explain.
(d) Have there been changes in
consumer awareness about the practice
of using unsigned drafts drawn on a
consumer’s checking account since the
Rule was enacted? If so, are changes in
the Rule warranted by any such changes
in consumer awareness? Explain.
(e) Since the TSR was enacted in
1995, have industry or regulatory
authorities developed new alternative
methods of ensuring that consumers
understand and approve of any debits
being made to their checking accounts?
If so, what are these procedures? If such
new procedures exist, do they
necessitate changes in the Rule?
Explain.
13. Section 310.3(a)(4) prohibits any
false or misleading statement to induce
a person to pay for goods or services
regardless of the type of payment system
used.
(a) Has this section been effective in
curbing deceptive telemarketing
practices? If so, why? If not, why not,
and how should the section be changed?
Explain.
(b) Have payment systems evolved
significantly enough since the Rule was
promulgated to warrant changes in the
Rule? If so, how should it be changed?
Explain.
14. Section 310.3(b) specifies that it is
a deceptive telemarketing act or practice
for any person to provide substantial
assistance or support to any seller or
telemarketer when that person knows or
consciously avoids knowing that the
seller or telemarketer is engaging in
deceptive or abusive acts or practices in
violation of the Rule.
(a) Has this section been effective in
curbing deceptive telemarketing
practices? If so, why? If not, how has the
section been inadequate?
(b) What changes, if any, should be
made to this section? Explain.
(c) How has Section 310.3(b),
prohibiting assisting or facilitating
conduct that violates the Rule, worked
from a law enforcement standpoint?
Against whom have cases been brought?
(d) Has the potential liability faced by
industry as a result of this section of the
Rule caused firms to make changes inthe way they do business? If so, how?
Have these changes, if they have
occurred, increased the cost of doing
business? Are there ways in which this
Rule provision could be changed to
reduce the burden placed on business
without negatively impacting
consumers?
(e) How has the ‘‘conscious
avoidance’’ standard worked from a law
enforcement standpoint? Is this
standard too difficult for law
enforcement authorities to meet in
proving their cases? If so, how should
the standard be changed? How has the
standard worked from an industry
standpoint? Have industry practices
changed in response to this potential
liability?
15. Section 310.3(c) prohibits
merchants from laundering credit card
charges.
(a) Have the provisions in Section
310.3(c) been effective in curbing the
incidence of credit card laundering in
fraudulent telemarketing transactions? If
so, why? If not, how has the section
been inadequate?
(b) What changes, if any, should be
made to this section? Explain.
(c) Have the provisions of this section
significantly increased the cost of doing
business? If so, how? What changes
could be to the Rule to reduce the cost
of these provisions without negatively
impacting consumers.
IV. Abusive Acts or Practice
16. Section 310.4(a) specifies that four
listed activities (i.e., threats,
intimidation or profane or obscene
language, and requesting or receiving
payment for credit repair, advance fee
loan, or recovery room services before
the consumer has received the services)
are abusive telemarketing acts or
practices, in violation of the Rule.
(a) Have these Rule provisions been
effective weapons in combating credit
repair, advance fee loan, and recovery
room scams? If so, why? If not, why not,
and how should they be changed?
Explain.
(b) Should this section be extended to
cover other specific types of practices?
If so, which ones?
(c) Have these provisions increased
the cost of doing business in areas other
than credit repair, the granting of
advance fee loans, or the operation of
recovery rooms? Explain. What changes
in the Rule provisions would eliminate
or reduce these effects?
(d) Has the prohibition on threats,
intimidation, and use of profane and
obscene language been effective in
curbing abusive telemarketing practices?
If so, why? If not, why not, and how
should the provision be changed? 17. Section 310.4(b)(1)(i) prohibits
telemarketers or sellers from causing the
telephone to ring, or engaging a person
in telephone conversation, repeatedly
with intent to annoy, abuse, or harass.
(a) Has this provision been effective?
If so, why? If not, why not, and how
should it be changed?
(b) Does the use of technology create
new means for abuse under this
provision?
18. Section 310.4(b)(1)(ii) prohibits
calls to a person who has stated that he
or she does not wish to receive calls
made by or on behalf of the seller.
(a) Has this provision been effective in
limiting the number of unwanted
telemarketing calls that consumers
receive? If so, why? If not, why not, and
how should it be changed?
(b) Have law enforcement authorities
used this provision to take action
against telemarketers that place
unwanted telemarketing calls? If not,
why not, and how should the provision
be changed to make it more useful as an
enforcement tool? Explain.
(c) What effect, if any, has the use of
computerized telemarketing messages,
or other technology, had on consumers’
ability to invoke their rights under the
TSR’s ‘‘do-not-call’’ provisions?
19. Section 310.4(b)(2) limits the
liability of the seller or telemarketer for
violating the ‘‘do-not-call’’ provision in
the Rule as long as the seller or
telemarketer has instituted certain
procedures designed to prevent calls to
consumers who have asked not to be
called.
(a) What have been the advantages
and disadvantages of this provision to
industry? to law enforcement?
(b) What changes, if any should be
made to this provision? Explain.
(c) Has this limitation of liability been
too lenient? If so, what changes should
be made to strengthen the provision?
How would those proposed changes
affect industry costs?
20. Section 310.4(c) prohibits
telemarketers from calling consumers at
any time except between 8 a.m. and 9
p.m. Has this provision been effective in
preventing telemarketing calls outside
the permitted time frame? If not, why
not, and how should it be changed.
21. Section 310.4(d) requires
telemarketers to make certain oral
disclosures—i.e., identity of the seller,
that the purpose of the call is to sell
goods or services, the nature of the
goods and services, and, in the case of
a prize promotion, that no purchase or
payment is necessary.
(a) Has this section been effective in
curbing abusive telemarketing practices?
If not, why not, and how should it be
changed? (b) Are the required disclosures being
made ‘‘promptly’’ and in ‘‘a clear and
conspicuous manner?’’
(c) Are there additional oral
disclosures that should be required?
V. Recordkeeping
22. Have the recordkeeping provisions
for telemarketers been burdensome to
sellers and telemarketers? On the ability
of law enforcement authorities to take
action against telemarketers and sellers
that violate substantive provisions of the
Rule? What changes, if any should be
made to the recordkeeping provisions?
Explain.
23. What have been the costs and
benefits to industry of the recordkeeping
provisions?
VI. Exemptions
24. Section 310.6 lists acts or
practices that are exempt from the Rule,
including pay-per-call-services and the
sale of franchises already subject to
Commission Rules.
(a) Have the exemptions been
effective at minimizing the burden to
industry while affording consumers
sufficient protections under the Rule? If
so, why? If not, why not, and how
should this section be changed?
(b) How should sales to home-based
businesses be treated under the Rule?
Should sales to home-based businesses
be considered business-to-business
sales? If so, how are telemarketers able
to differentiate between a residential
telephone number and a home-based
business telephone number? If not, why
not?
(c) Is the exemption for ‘‘face-to-face’’
transactions still appropriate? If not,
why not, and how should this
exemption be changed?
(d) Is the exemption for ‘‘general
media’’ advertising still appropriate? If
not, why not? If the exemption
continues to be appropriate, how should
the Rule treat solicitations such as
classified advertisement, ‘‘spam’’ faxes,
and email ‘‘spam’’?
(e) Are there additional business-tobusiness
products or services that
should not be exempted from the TSR
(e.g., Internet-related services,
professional directories, advertising
specialties)? Explain.
(f) Are there additional exemptions
that would be appropriate? Explain.
Glad to help
 Dec 15th, 2009
FTC's TSR: PART 3

series dedicated to evaluation of the
TSR, was held on January 11, 2000. This
forum focused on the efficacy of the donot-
call provision of the Rule and other
similar initiatives, such as the do-notcall
provision of the TCPA,
telemarketer-implemented do-not-call
plans, and state legislation creating
centralized do-not-call lists. Information
on that forum was published in a
separate Federal Register notice on
November 24, 1999.22 A public forum to
discuss other provisions of the TSR will
be held on July 27–28, 2000, in
Washington, DC. The exact dates,
location, and information about
participation in future FTC forums will
be announced later by Federal Register
notice.
Section D. Request to Participate
The FTC invites members of the
public, industry, and other interested
parties to participate in the public
forum scheduled for July 27–28, 2000.
To be eligible to participate, you must
file a request to participate on or before
June 16, 2000. If the number of parties
who request to participate in the forum
is so large that including all requesters
would inhibit effective discussion
among participants, FTC staff will selectas participants a limited number of
parties to represent the relevant
interests. Selection will be based on the
following criteria:
1. The party submitted a request to
participate by June 16, 2000.
2. The party’s participation would
promote the representation of a balance
of interests at the forum.
3. The party’s participation would
promote the consideration and
discussion of the issues to be presented
in the forum.
4. The party has expertise in issues to
be raised in the forum.
5. The party adequately reflects the
views of the affected interest(s) which it
purports to represent.
If it is necessary to limit the number of
participants, those who requested to
participate but were not selected will be
afforded an opportunity, if at all
possible, to present statements during a
limited time period at the end of the
session. The time allotted for these
statements will be based on the amount
of time necessary for discussion of the
issues by the selected parties, and on
the number of persons who wish to
make statements.
Requesters will be notified as soon as
possible after June 16, 2000, whether
they have been selected to participate.
Section E. Regulatory Flexibility Act
The Regulatory Flexibility Act
(‘‘RFA’’) 23 provides for an initial and
final regulatory analysis of the potential
impact on small businesses of rules
proposed by federal agencies.24 The
Commission conducted such an analysis
when the TSR was promulgated in 1995.
In publishing the proposed regulations,
the Commission certified, subject to
public comment, that the proposed
regulations would not have a significant
economic impact on a substantial
number of small entities and, therefore,
that the provisions of the RFA requiring
the initial regulatory analysis did not
apply.25 The Commission noted that any
economic costs imposed on small
business entities were, in many
instances, specifically imposed by
statute. Where they were not, efforts had
been made to minimize any unforeseen
burdens on small business entities by
making the Rule’s requirements flexible
and by limiting the scope of the
regulations through a number of
exemptions. In publishing the final
Rule, the Commission noted in the
Rule’s Statement of Basis and Purpose
that public comments and information
that had been received during therulemaking did not alter that
conclusion.26
No analysis is required in connection
with this notice because no new rule or
amendment is being proposed.
Nonetheless, the Commission wishes to
ensure that no substantial economic
impact is being overlooked that would
warrant an initial and final regulatory
flexibility analysis. Therefore, this
notice also requests public comment
regarding the effect of the Rule on the
profitability and competitiveness of, and
employment in, small entities. The
Commission will revisit this issue in
connection with any Notice of Proposed
Rulemaking that may result from this
notice.
Section F. Questions and Issues for
Comment Pursuant to Regulatory
Review of the Rule
The Commission is seeking comment
on various aspects of the TSR in
conjunction with its review of the Rule.
Without limiting the scope of issues on
which it is seeking comment, the
Commission is particularly interested in
receiving comments on the questions
that follow. These questions are
intended only as examples of the issues
relevant to the Commission’s
examination. Interested parties are
invited to comment on any relevant
issue, regardless of whether it is
identified below.
Where comments advocate changes to
the Rule, please be specific in
describing suggested changes. With
respect to suggested changes to the Rule,
please describe any potential costs and/
or benefits such changes might have on
industry and consumers.
I. General Questions for Comment
1. Is there a continuing need for the
TSR?
(a) Since the Rule was issued, have
changes in technology, industry
structure, or economic conditions
affected the need for or effectiveness of
the Rule?
(b) Does the Rule include provisions
that are unnecessary? If so, which ones?
(c) What are the aggregate costs and
benefits of the Rule?
(d) Have the costs or benefits of the
Rule dissipated over time?
(e) Does the Rule contain provisions
that have imposed costs not outweighed
by benefits?
2. What effect, if any, has the Rule
had on consumers?
(a) What economic or other costs has
the Rule imposed on consumers?
(b) How has the Rule benefitted
consumers? (c) What changes, if any, should be
made to the Rule to increase the benefits
to consumers? How would these
changes affect the compliance costs the
Rule imposes on industry?
(d) Is the incidence of telemarketing
fraud greater today than five years ago?
Less than five years ago? Has consumer
awareness of telemarketing fraud
increased since the adoption of the
Rule? If so, what are the sources of
information on this issue for
consumers? What effect, if any, has
increased consumer awareness had on
law enforcement? On telemarketers?
3. What impact, if any, has the Rule
had on entities that must comply with
it?
(a) What economic or other costs has
the Rule imposed on industry or
individual firms?
(b) How has the Rule benefitted
industry or individual firms?
(c) What changes, if any, should be
made to the Rule to minimize any
burden or cost imposed on industry or
individual firms? How would these
changes affect the benefits provided by
the Rule to consumers or industry?
(d) Are there regulatory alternatives to
the Rule that might reduce any adverse
economic effect of the Rule, yet comply
with the mandate of the Telemarketing
Act to provide consumers with
necessary protection from telemarketing
deception and abuse?
4. How has this Rule affected sellers
or telemarketers that are small
businesses with respect to costs,
profitability, and competitiveness? Have
the costs or benefits of the Rule
dissipated over time with respect to
small business sellers or telemarketers?
5. Does the Rule overlap or conflict
with other federal, state, or local
government laws or regulations?
(a) What is the impact on the industry
of state-by-state regulation of
telemarketing?
(b) Are there any conflicting laws or
regulations governing telemarketers, and
if so, what are they? If conflicts exist,
how do telemarketers address them?
(c) To what extent have private parties
and state attorneys general brought
actions under the TSR? Under other
statutes/regulations?
(d) Are there any unnecessary
regulatory burdens created by
overlapping jurisdiction? What can be
done to ease these burdens?
(e) Are there any gaps where no
federal, state, or local government law
or regulation has addressed a particular
abuse?
6. Has the mingling of Internet and
telemarketing technology had an impact
on the effectiveness of the TSR? If so, how? Should the TSR be amended to
address this issue, and if so, how?
II. Definitions
7. Are the definitions set forth in
Section 310.2 of the Rule effective to
accomplish the goal of curbing
deceptive and abusive telemarketing
practices?
8. Are they clear, meaningful,
comprehensive, and appropriate? If not,
how have the definitions been
inadequate? How can they be improved?
9. Are there additional definitions
that should be added to the Rule?
Explain.
III. Deceptive Telemarketing Acts or
Practices
10. Section 310.3(a)(1) requires sellers
and telemarketers to disclose certain
information before the customer pays
for goods or services offered.
(a) Has this section been effective in
curbing deceptive telemarketing
practices? If so, why? If not, what
changes, if any, should be made to the
required disclosures? Explain.
(b) Are there additional disclosures
that should be required? Explain.
(c) What changes, if any, should be
made to the disclosure requirements to
increase consumer protections or to
minimize industry costs? Explain.
(d) Has the disclosure requirement of
Section 310.3(a)(1)(iii) regarding refund/
cancellation policies been effective from
the perspective of consumers and law
enforcement authorities?
(e) Are disclosures being made in a
timely fashion? Is there sufficient
understanding of what is meant by
‘‘before the consumer pays’’?
(f) What burdens, if any, have
disclosure requirements placed on
sellers and telemarketers? If they exist,
do these burdens outweigh the benefits
to consumers? Explain.
11. Section 310.3(a)(2) prohibits
misrepresentations of material
information.
(a) Has this section been effective in
accomplishing the goal of curbing
deceptive and abusive telemarketing
Glad to help
 Dec 15th, 2009
FTC's TSR: PART 2

Commission to define and prohibit
deceptive telemarketing acts or
practices, but it also authorized the FTC
to define and prohibit acts or practices
that ‘‘assist or facilitate’’ deceptive
telemarketing.7 The Act further required
the Commission to consider and include
recordkeeping requirements in the rule.8
Finally, the Act authorizes state
attorneys general, other appropriate
state officials, and private persons to
bring civil actions in federal district
court to enforce compliance with the
FTC’s rule.9
2. Telemarketing Sales Rule
Pursuant to the Telemarketing Act,
the FTC adopted the TSR, 16 CFR Part
310, on August 16, 1995.10 The Rule,
which became effective on December
31, 1995, contains the following key
requirements and prohibitions. Under
the Rule, telemarketers must promptly
tell each consumer they call several key
pieces of information: (1) The fact thatthe purpose of the call is to sell goods
or services, (2) The nature of the goods
or services being offered, and (3) In the
case of prize promotions, that no
purchase is necessary to win.11
Telemarketers must also disclose cost
and other material information before
consumers pay. In addition,
telemarketers must have consumers’
express, verifiable authorization before
debiting their checking accounts.12 The
Rule prohibits telemarketers from
calling before 8 a.m. or after 9 p.m. (in
the time zone where the consumer is
located), and from calling consumers
who have said they do not want to be
called.13 The Rule also prohibits
misrepresentations about the cost,
quantity, and other material aspects of
the offered goods or services.14 Finally,
the Rule bans telemarketers who offer to
arrange loans, provide credit repair
services, or recover money consumers
lost in a prior telemarketing scam from
seeking payment before rendering the
promised services,15 and prohibits
credit card laundering and other forms
of knowing assistance to deceptive
telemarketers.16
The Rule provides a number of
exemptions, including calls where the
transaction is completed after a face-toface
sales presentation, calls subject to
extensive requirements under other FTC
rules (e.g., the 900-Number Rule, or the
Franchise Rule),17 and calls initiated in
response to advertisements in general
media such as newspapers or
television.18 Lastly, catalog sales are
exempt, as are most business-tobusiness
calls, except those involving
the sale of office or cleaning supplies.19
3. Telemarketing and Changes in the
Marketplace.
In the years since the Rule was
promulgated, the marketplace for
telemarketing has changed in significant
ways. Technologies which were new or
non-existent at the time the Rule was
adopted now have become standard
equipment for many telemarketing
firms. Similarly, refinements in market
research allow sellers to pinpoint with
greater precision which consumers are
most likely to be potential customers. The increased use of ‘‘frequent customer
cards,’’ which enable sellers to collect
purchasing data electronically when
consumers buy goods such as groceries
and gasoline, allows more extensive and
more accurate customer targeting.
‘‘Cookie’’ technology 20 enables
marketers to learn the specific habits
and preferences of online consumers,
including information about consumers
and their computers, the kinds of Web
sites they visit, and the frequency with
which they purchase online. These
enhancements in data collection have
obvious uses to make telemarketing
more sophisticated.
Finally, another significant change in
the marketplace is that telemarketing is
facing competition from new marketing
and sales methodologies, especially the
Internet. More and more sellers are
turning to the Internet as a means not
only to market their products and
services to consumers, but to finalize
sales.21 Additionally, some companies
link their call centers to the Internet.
Thus, consumers not only can receive
email replies to questions, but can place
a call to a customer service
representative either through the
Internet or on a separate phone line
without leaving the company’s Web site.
Technology now is available that allows
a consumer to view the same Web page
as the customer service representative
with whom they are talking, and have
the representative ‘‘push’’ Web pages
with other information to the consumer.
The potential impact of increased use of
interactive sales media on telemarketing
is unknown, but the question merits
examination in light of the projected
growth of such interactive electronic
media.
Another change that has occurred
since the Rule was promulgated is the
increase in cross-border telemarketing.
The incidence of telemarketers
operating outside the U.S., but selling to
U.S. citizens, is rising. Some of this
cross-border activity is fraudulent. The
experience of the FTC and other law
enforcement agencies over the past fiveyears confirms that telemarketing fraud
is becoming increasingly global in
scope. Fraudulent telemarketers
operating from other countries often do
so to seek the advantages of less
stringent telemarketing laws; they also
benefit from the complex jurisdictional
issues implicated in cross-border sales.
Because of these and other significant,
rapid changes in the marketplace, the
Commission has determined to combine
its review of the TSR with a study of
telemarketing generally: what the nature
of telemarketing has been historically,
what it is now, and how it is changing
to meet the future. The goal of this study
is to document the historical trends that
have shaped the practice of
telemarketing, and to better understand
and document factors likely to shape its
future, including technological
innovations, shifting markets, consumer
attitudes about choice, regulatory and
law enforcement efforts at the state and
federal levels, and telemarketers’ selfregulatory
efforts. To facilitate its rule
review and the completion of the study,
the Commission will invite the
comments of all interested parties and
will hold a series of public forums to
discuss relevant issues.
Section B. Request for Comment
Interested parties, including, but not
limited to, academics, telemarketers,
consumer advocates, and government
representatives, are requested to submit
academic papers or written comments
on any issue of fact, law, or policy that
may inform the Commission’s
examination of the TSR and/or the
practice of telemarketing generally, its
history as well as current practice and
emerging trends. Sections F and G,
infra, set forth questions about which
the Commission particularly desires
input. Because telemarketing often
occurs across international boundaries,
comments need not be limited to
examinations of domestic laws or
policies. Please provide copies of any
studies, surveys, research, or other
empirical data referenced in
submissions.
Form of Comments: To encourage
prompt and efficient review and
dissemination of the comments to the
public, all papers and comments should
also be submitted, if possible, on either
a 51⁄4 or a 31⁄2 inch computer disk, with
a label on the disk stating the name of
the commenting party and the name and
version of the word processing program
used to create the document, as well as
the identification ‘‘Telemarketing
Review—Comment. FTC File No.
P994414.’’ (Programs based on DOS are
preferred. Files from other operating
systems must be submitted in ASCII textformat to be accepted.) Individual
members of the public filing comments
need not submit multiple copies or
comments in electronic form.
Section C. Public Forums
The FTC staff will conduct public
forums to discuss issues raised by the
questions in this Federal Register
notice. One series of forums will focus
on issues relating to the implementation
and effectiveness of the TSR. These
forums are not intended to achieve
consensus among participants or
between participants and FTC staff with
respect to any issue raised. Commission
staff will consider the views and
suggestions made during the forums, in
conjunction with the papers and written
comments, in formulating its final
recommendation to the Commission
concerning amendments to the current
structure and content of the TSR and in
preparing its report on telemarketing. A
second series of forums will involve
members of the telemarketing industry,
consumer groups, and law enforcement
agencies in a discussion of the evolution
of telemarketing over the past two
decades and its impact on consumers.
The FTC invites members of the public,
telemarketers, and other interested
parties to participate in both sets of
forums.
The initial forum, part of the first
Glad to help
 Dec 15th, 2009
I thought it would be most informative to those visiting this site to have availible the Federal Trade Commission's entire Telemarketing Sales Rule right here to peruse. So I've painstakingly assembled the Telemarketing Sales Rule, also know by the acronym (TSR) and pasted it for all of our edification. There are a lot of intesting points and rules that everyone here filing a compliment or complaint should know about. Well, it took awhile and because I can only paste so much text per comment, it may take a few to get all of this valuble information posted. But, as the mighty soldier once said, victory only comes with hard work and determination.

So here it is: the FTC's TSR: PART 1


FEDERAL TRADE COMMISSION
16 CFR Part 310
Telemarketing Sales Rule
AGENCY: Federal Trade Commission.
ACTION: Rule review, request for public
comments, and announcement of public
forums.
SUMMARY: The Federal Trade
Commission (‘‘the Commission’’ or
‘‘FTC’’) is requesting public comment
on the Commission’s Telemarketing
Sales Rule (‘‘TSR’’ or ‘‘the Rule’’). The
Telemarketing and Consumer Fraud and
Abuse Prevention Act (‘‘the
Telemarketing Act’’ or ‘‘the Act’’)
directed the Commission to promulgate
rules to protect consumers from
deceptive telemarketing practices and
other abusive telemarketing activities. In
response to this directive, the
Commission adopted the TSR, which
requires telemarketers to make specific
disclosures of material information;
prohibits misrepresentations; sets limits
on the times telemarketers may call
consumers; prohibits calls to a
consumer who has asked not to be
called again; and sets payment
restrictions for the sale of certain goods
and services.
The Act requires that no later than
five years after its effective date of
December 31, 1995, the Commission
initiate a rule review to evaluate the
Rule’s operation and report the results
of that review to Congress. Pursuant to
this mandatory rule review requirement,
the Commission now hereby seeks
comment about the overall costs and
benefits of the TSR, and its overall
regulatory and economic impact since
its adoption in 1995.
In addition to reviewing the Rule and
its effect on deceptive and abusive
telemarketing practices, the Commission
intends to use this rule review to
examine telemarketing generally over
the past two decades, and to determine
its impact on consumers. This broader
review will result in a report addressing
issues such as changes in technologycomposition of the industry,
telemarketers’ efforts at self-regulation,
the effectiveness of law enforcement
and legislation, trends in telemarketing,
and current consumer issues related to
telemarketing. In order to initiate
discussion of these and other issues, the
Request for Comment invites written
responses to the series of questions in
Sections F and G, infra, which set forth
with more specificity the type of
information the Commission
particularly desires related to the Rule
and about telemarketing generally.
In addition, this document contains
an invitation to participate in a series of
public forums to be held in the future
to afford the Commission staff and
interested parties an opportunity to
explore and discuss the issues
underlying the list of questions and any
other topics that emerge from the
comments we receive in response to this
notice.
DATES: Papers and written comments
responding to the Request for Comment
will be accepted until April 27, 2000. A
public forum to discuss provisions of
the TSR, other than the ‘‘do-not-call’’
provision, will be held on July 27–28,
2000, in Washington, DC, from 8:30 a.m.
until 5:30 p.m.1 Notification of interest
in participating in this forum must be
submitted in writing on or before June
16, 2000. The exact dates, location, and
information about participation in
future FTC forums held in connection
with the TSR review will be announced
later by Federal Register notice.
ADDRESSES: Six paper copies of each
paper and/or written comment should
be submitted to the Office of the
Secretary, Federal Trade Commission,
Room 159, 600 Pennsylvania Avenue,
NW, Washington, DC 20580.
Alternatively, the Commission will
accept papers and comments submitted
to the following email address:
tsr@ftc.gov, provided the content of any
papers or comments submitted by email
is organized in sequentially numbered
paragraphs. All submissions should be
identified as ‘‘Telemarketing Review—
Comment. FTC File No. P994414.’’
Notification of interest in participating
in the public forum should be submittedin writing to Carole I. Danielson,
Division of Marketing Practices, Federal
Trade Commission, 600 Pennsylvania
Avenue, NW, Room 238, Washington,
DC 20580. The public forum will be
held at the Federal Trade Commission,
600 Pennsylvania Avenue, NW, Room
432, Washington, DC 20580.
Papers and written comments will be
available for public inspection in
accordance with the Freedom of
Information Act, 5 U.S.C. 552, and
Commission regulations, 16 CFR Part
4.9, on normal business days between
the hours of 8:30 a.m. and 5:00 p.m. in
Room 130, Federal Trade Commission,
600 Pennsylvania Avenue, NW,
Washington, DC 20580. The
Commission will make this notice and,
to the extent possible, all papers or
comments received in response to this
notice available to the public through
the Internet at the following address:
www.ftc.gov.
FOR FURTHER INFORMATION CONTACT:
Catherine Harrington-McBride (202)
326–2452, email cmcbride@ftc.gov;
Karen Leonard (202) 326–3597, email
kleonard@ftc.gov; or Carole Danielson
(202) 326–3115, email
cdanielson@ftc.gov, Division of
Marketing Practices, Bureau of
Consumer Protection, Federal Trade
Commission, 600 Pennsylvania Avenue,
NW, Washington, DC 20580.
SUPPLEMENTARY INFORMATION:
Section A. Background
1. Telemarketing Consumer Fraud and
Abuse Act
On August 16, 1994, President
Clinton signed into law the
Telemarketing Consumer Fraud and
Abuse Prevention Act (‘‘Telemarketing
Act’’ or ‘‘the Act’’).2 The Telemarketing
Act was the culmination of
Congressional efforts during the early
1990’s to protect consumers against
telemarketing fraud.3 The purpose of the
Act was to combat telemarketing fraudby providing law enforcement agencies
with powerful new tools, and to give
consumers new protections. The Act
directed the Commission, within 365
days of enactment of the Act, to issue
a rule prohibiting deceptive and abusive
telemarketing acts or practices.4
Among other things, the
Telemarketing Act specifies certain acts
or practices the FTC’s rule must
address.5 The Act also required the
Commission to include provisions
relating to three specific ‘‘abusive
telemarketing acts or practices:’’ (1) A
requirement that telemarketers may not
undertake a pattern of unsolicited
telephone calls which a reasonable
consumer would consider coercive or
abusive of such consumer’s right to
privacy; (2) A restriction on the time of
day and night telemarketers may make
unsolicited calls to consumers; and (3)
A requirement that telemarketers
promptly and clearly disclose in all
sales calls to consumers that the
purpose of the call is to sell goods or
services, and to make other disclosures
the Commission deems appropriate,
including the nature and price of the
goods or services sold.6 Section 6102(a)
of the Act not only required the
Glad To Help
 Dec 15th, 2009
Rigid is a legitimate company, they sponsor an Indy Car Team, build some fantastic buildings and ship all over the United States and the world, I know this because I have worked with them since 1995. Check out there web site www.rigidbuilding.com. Go to their manufacturing plant in Houston, TX, they design, draft, engineer and build metal buildings from the ground up. They have done business for Harley Davidson delaerships, NASA, numerous schools, churches, office buildings, strip malls, airplane hangers, etc. They do great work.
Rigid
 Dec 08th, 2009
My auto loan is due on the 10th. I paid online on that date. Because the 11th is Veterans day it will not post to my account until the 12th. Which is Fine because there is a 10 day grace from your due date. So the 20th right? Today is the 11th and I have received 6 phone calls already today from Wells Fargo looking for payment, and its only been a day since i made the payment. HERE are the numbers they are calling from
801-246-0600 480-337-2900 484-895-2000 407-444-1995 816-584-2070 & WITHHELD
are you kidding me?
Pamala
 Nov 11th, 2009
lol..... they are actually are trying to collect an undocumented "cleaning fee" from 1995. It was for condo to be cleaned after I moved out! too funny. I cant decide in what annoying way i'll handle them.
Lucy
 Oct 14th, 2009
World Financial Network National Bank (WFNNB) They use several numbers and it appears they are attempting to collect a old debt from someone I've never heard of before. They won't quit calling, even when asked to to so. I've had this number since 1995, I think they could update they're records...morons & pain in the *sses.
sick of it
 Sep 26th, 2009
Called my work place, they stated my full SSN, address for work, and first name, starting stating that I owed Bank of America, last paymnt date May 2006 for $10.00, then asked if I was who they called for. I said that the employee by that name was not in the office and were they calling for her or one of our 400+ clients and explained to the person that we assist people who are dealing with debt collectors. They were very demading and rude, threatened legal action and hung up on me when I could and would not produce the information they demanded, I am looking to legal action. I asked them if there was anything the needed to say to me, they said no. They did not feel they needed to say the debt collectors mini-miranda, because they claimed to be calling from a debt collection law firm. I just laughed, they apparently did not know that debt collection lawyers are considered to on equal planes as a regular debt collector, (Heintz vs. Jenkins 1995 US Supreme Court overturned the prior exemption!).
Marcie
 Aug 11th, 2009
YOU SCAM THEORISTS ARE SO IGNORANT AND INFANTILE. ALL CENSUS BUREAU CALLS AND SURVEYS ARE COMPLETELY LEGITIMATE. MOST OF YOU WOULDN'T PAY YOUR TAXES OR WIPE YOUR ASSES IF WASN'T REQUIRED BY LAW OR STARTED STINKING AFTER A FEW DAYS. 2 WORDS FOR YOU PEOPLE- SLOTHFUL AND IGNORANT. THE ONLY PEOPLE TRYING TO SCAM YOU IS YOUR OWN FAMILY MEMBERS AND PEOPLE THAT CALL ASKING FOR YOUR SOCIAL SECURITY NUMBERS AND BANK ACCOUNT NUMBERS. BELOW IS THE RESULT OF WHY ONE OF THE MANY CENSUS BUREAU SURVEYS ARE CONDUCTED YOU IGNORANT MORONS.

WASHINGTON - Americans opened their wallets and pocketbooks a bit more in June, increasing their spending for the second straight month while saving a bit less, even as incomes fell sharply.

Consumer spending is closely watched because it accounts for about 70 percent of total economic activity. Many economists warned that despite the slight increase in June, falling wages and rising unemployment likely will keep spending sluggish for the rest of this year.

The Commerce Department said Tuesday that consumers boosted their spending 0.4 percent in June, slightly ahead of analysts' estimates. That comes after spending rose 0.1 percent in May.

Personal income fell 1.3 percent, the steepest drop in more than four years. Incomes rose by the same amount in May, boosted by one-time payments from the government. Economists expected personal incomes, the fuel for future spending, to fall 1 percent.

Incomes benefited in May from a one-time payment of $250 that was mailed to 50 million Americans receiving Social Security and other government benefits, as part of the Obama administration's $787 billion stimulus package.

Excluding the impact of the stimulus, personal income would have fallen 0.1 percent in June after a flat reading in May, the department said.

Wages and salaries fell 0.4 percent in June from May, the eighth straight monthly drop. That makes it unlikely consumers will ratchet up their spending anytime soon, economists said.

"The U.S. consumer will not be much of a help during the early stages of the economic recovery," Joshua Shapiro, chief U.S. economist at consulting firm MFR Inc., wrote in a note to clients.

Amid the longest recession since World War II, the personal savings rate has surged as Americans seek to rebuild their nest eggs after home values and stock portfolios plummeted last year. While saving can be good in the long run, rapid increases in saving can slow the economy.

The department said the personal savings rate fell to 4.6 percent in June, after jumping to 6.2 percent in May, which was the highest since February 1995. The rate dropped as low as 1 percent last year.

Spending may increase in July and August due to the government's "cash for clunkers" program, which has spurred thousands of Americans to trade in old cars for newer vehicles, Shapiro said. But the savings rate is likely to keep rising later this year.

Investors appeared unfazed by the economic report and focused on locking in some profits after a 14 percent climb in stocks since July 13. The Dow Jones industrial average and broader indices dipped slightly in morning trading.

The department also revised its spending and income data back to 1929, as it did last week when it reported second-quarter gross domestic product, the broadest measure of the economy's output. The changes show that Americans saved slightly more than previously thought.

For example, the department revised the savings rate in 2008 to 2.7 percent from 1.8 percent.

The government reported last week that the overall economy, as measured by the GDP, shrank at an annual rate of 1 percent in the second quarter, far less severe than the 6.4 percent decline in the first quarter and a 5.4 percent decline in the fourth quarter of 2008.

Sluggish consumer spending has held back the sales of food and beverage companies. Tyson Foods Inc., the world's largest meat producer, said Monday that sales fell 3 percent in its third quarter. The company posted a strong profit due to cost cuts.

And sales for MillerCoors, the U.S. joint venture owned by Molson Coors Brewing Co. and SABMiller, increased by only 1 percent in the most recent quarter, Molson Coors reported Monday.
ROSCO
 Aug 04th, 2009
I've been reading over ALL of the comments posted, and I just had to share my story because MY experience has not been like ANY of these! I did receive a call saying the my Car Warranty was about to expire. I wasn't sure if it was so I took a number and told the Agent I would call them back.

I called my Dealer to see if my Manufacturer's Warranty was still in effect, and it was not. So, I called Safe Ride Warranty the next day to see what kind of policy I could purchase. Since my car is a 1995 Pontiac Grand Am, I could no longer purchase a Bumper2Bumper warranty....I had to buy the Powertrain Warranty. The policy and the prices sounded good so I bought it.

I've had the policy for about 8 months now, and I've had to use it once. About three weeks ago, my car stared slipping...like it was missing the shift in the gears. I was able to drive it to the dealership, and got a diagnostic done. My world was almost turned UPSIDE DOWN when Pontiac told me the bill was $2736...almost $3000! The 2nd and 3rd gears were stripped...

I called Safe Ride Warranty immediately and explained what was happening. They directed me to the Claims department where I was able to file my claim. In three days, my car was fixed and my bill was paid---IN FULL! I didn't have $3000 to pay for my transmission, so I can only imagine what trouble I would have been in had i not been covered.

The customer service is friendly and helpful whenever I call with a question. I don't have any complaints..I just wanted to let everybody know about my PLEASANT EXPERIENCE.
Rachel
 Jul 08th, 2009
I've been reading over all of the comments posted, and I just had to share my story because MY experience has not been like ANY of these! I did receive a call saying the my Car Warranty was about to expire. I wasn't sure if it was so I took a number and told the Agent I would call them back.

I called my Dealer to see if my Manufacturer's Warranty was still in effect, and it was not. So, I called Safe Ride Warranty the next day to see what kind of policy I could purchase. Since my car is a 1995 Pontiac Grand Am, I could no longer purchase a Bumper2Bumper warranty....I had to buy the Powertrain Warranty. The policy and the prices sounded good so I bought it.

I've had the policy for about 8 months now, and I've had to use it once. About three weeks ago, my car stared slipping...like it was missing the shift in the gears. I was able to drive it to the dealership, and got a diagnostic done. My world was almost turned UPSIDE DOWN when Pontiac told me the bill was $2736...almost $3000! The 2nd and 3rd gears were stripped...

I called Safe Ride Warranty immediately and explained what was happening. They directed me to the Claims department where I was able to file my claim. In three days, my car was fixed and my bill was paid---IN FULL! I didn't have $3000 to pay for my transmission, so I can only imagine what trouble I would have been in had i not been covered.

The customer service is friendly and helpful whenever I call with a question. I don't have any complaints..I just wanted to let everybody know about my PLEASANT EXPERIENCE.
Rachel
 Jul 08th, 2009
Galkos Construction Inc or GCI is a company located in Huntington Beach, CA. They are trying to sell you construction projects. Their phone number is (800)-700-1995. I called and told them to take me off of their list. If they call again, I will report them as I am on the DNC list.
Margaret
 Jul 06th, 2009
I got this call. They had a recording asking for me by my maiden name. I haven't had my maiden name for over 10-years now. I read on another website, that they are scavengar debt collectors for Bally's Total Fitness.

I went and saw an attorney several years ago about this "debt" gym contract that I sapposely signed and agreed to. In 1994, 1995 or maybe it was in 1996 I was on atrial membership with the gym, cancelled the trial membership within the cancellation period, and followed the conditions/instructions to cancel properly.....well, well, I rarely sign contracts, and when I do, I am very aware of what I signed.

Later, Bally's Total Fitness denied getting my cancellation letter. Of course, probably a year or two later, I get collection calls from Bally's the negative debt hits my credit report. I then did alot of research about my rights, etc, and eventually got it deleted off of my credit report.

I spoke to an attorney about it, and he told me that they can send me payment demand letters all day long, and that they are just hoping that I give in and pay up. But until they prove that I signed the contract, there's nothing that they can do.

I don't have any other outstanding debts. I paid or setled all my past due debts 10-years ago.

So, if any of you ever had a membership with Bally's Total Fitness, I would start there.


And, I've read that if you contact them, it stirs up and throws the Statue of LImitations out the window. So, this makes sense to why they use that recording for you to press 0. The "established business relationship" starts all over from day 1............. So, from from what I have gathered, and what I understand, if you have a debt that is exhausted out of the 'Statue Of Limitations' and you press that 0, or you contact them. The 'Statue Of Limitations' is thrown out the window.
Laughing
 Jun 21st, 2009
ebay suspended my id cartruckdonation with almost 800 positive feedbacks (go to ebay.com and search my old seller i.d. cartruckdonation), due to a fraud claim presented by a buyer named Tabitha Kiss, over a $1200 1995 ford explorer sold for parts. since ebay suspended my id, i refused to pay the $2100.00 i owed ebay in fees. now ic systems is calling me. really what can they do? they dont have my correct contact info other than a cell phone number which i'm about to change. maybe i should forward Tabitha's home phone number 804-915-6650)to ic or start posting her home address?
yeah thats the ticket, i'll give ic Tabitha's personal info next time they call me. Good luck to all with ic issues and Ebay,,,I'M BACK!
carman
 Jun 20th, 2009
I have worked in Market Research companies and telemarketing companies for years and do work for one here on the West coast but here in my town all of them are closing down because our minimum wage here is way too high. So all of you screamers,yellers and jerks out there that do not believe us and say that The National Do Not Call list does apply to us are wrong. The Do Not Call law was passed in September of 2003 and I saw the petition and know people that worked on that campaign in 1995-1996 getting that law passed and it strictly on the petition said for Sales calls only and that is what all you people wanted for Telemarketing and Sales calls to be regulated. You should of read the petition carefully and realized it was for Telemarketers only. If you go to DO NOT Call.gov it explains the law in great detail. Because of your anger over the law and that it did not cover all calls you take it out on us only trying to make a living. I am severely disabled physically and mentally and have been fighting Social Security for 13 years but yet I still working in Market Research have to put up with all you peoples crap when we are not trying to sell anything. Now I have heard that dentists,doctors and any one trying to verify something on the phone like an appointment or verifing an order at the store are getting yelled at people saying the businesses cannot call you when there is an exemption that says if you do business with a company for 18 months or less they can call you to verify something. That is on DO NOT CALL.gov. Just so you people know your right to freedom of speech will be taken away from you real soon. I have been listening to some talk shows and they have been talking about it and when the telemarketers right to talk on the phone and earn a living was taken away from them in September of 2003 then you jerks out there will realize it when your right to freedom of speech will soon be taken away from you and we become a communistic country. I hope you people are happy Market Strategies is closing down the call center in July 2009. You will be yelling at a computer and get no feedback for your extreme anger because all Market Research is moving to the Internet. Who are you going to yell and scream at then. A motom.....
P Quinterline
 May 20th, 2009
They keep calling me too and even found my address and sent me letters saying I owe for a cell phone from back in 1995. I never had a cell phone until 2004. the people are VERY rude and yell at you if they cant get any info out of you. They are horrible people!!!!!

May 19, 2009
Jennifer GA
 May 20th, 2009
I am pretty sure this is the attorney who established Riddle and Associates. All of this information is available on the web with a little researching.

I called and asked them to please remove my name from their directory because the person they are seeking is not me and I do not know the person they are seeking.

Some jerk told me to "deal with it". Are you F*****g kidding me? I have been able to locate the home phone numbers of the attorneys by calling the Utah Attorney Generals office and then to the local police department to match up name with address with home phone numbers. So I guess I did deal with it.

Anyway, here is what I found on the web. By the way, if I receive another call from this firm I will start calling their homes at odd hours.
Pictures of Riddle and his family are published on the web in the Brigham Young Law Magazine.




jesse l. riddle understands the power of

education. For Riddle, a 1988 graduate of

the J. Reuben Clark Law School who now

runs a multimillion-dollar debt recovery law

firm in Sandy, Utah, the value of education

is no different for a student at a prestigious

university such as Oxford than it is for a student

at a tiny high school started by a community

of farmers in rural Mississippi.

Riddle has unique insights into such

seemingly divergent schools: At the same

time he serves on the board of regents at

Oxford University’s Harris Manchester

College, Riddle also occupies a position on

the school board of Centreville Academy in

Centreville, Mississippi.

“Serving on the Mississippi school board

is no less important than serving on the

Manchester college board at Oxford,” says

Riddle. “Somebody has to step up and make

a difference.”

At age 13 Riddle was forced to move

from his mother’s home in Texas to his

grandmother’s modest trailer house in

Centreville, where he eventually graduated

from Centreville Academy in a class of 25.

He attended Louisiana State University

before serving a Church mission in Hawaii.

Upon his return to the mainland, Riddle

enrolled at byu and studied speech, rhetoric,

and English. He engrossed himself in the

speeches of famous and infamous leaders

such as Winston Churchill, Hitler, Franklin

D. Roosevelt, Martin Luther King, George

Washington, and Abraham Lincoln.

“I was impressed that people could take

words and motivate other people to do certain

things,” Riddle says.

After earning a law degree, Riddle practiced

at a firm in Oregon before taking time

off to write a travel guidebook. In 1994 he

founded Riddle & Associates, which has

grown quickly to 60 employees and represents

on a nationwide basis clients such as directv,

Kroger, AutoZone, and Eddie Bauer.

Riddle & Associates processes an incredible

volume of work: the firm places two million

telephone calls per month and regularly

handles hundreds of thousands of debt collection

accounts simultaneously. Riddle himself

has become an expert on the federal Debt

Collection Practices Act, a topic about which

he speaks regularly to industry groups.

Riddle remains heavily involved in

devising firm strategy and maintaining

client relations, but he also devotes significant

resources to various educational causes.

Riddle and his wife, Lisa, fund two fulltuition

scholarships for Polynesian students

to attend the J. Reuben Clark Law School.

Riddle has traveled to byu—Hawaii to propose

establishing a prelaw program, and

he took several employees of Riddle &

Associates with him to Mississippi to install

computer and telephone systems that he

donated to Centreville Academy.

“Jesse and Lisa’s contributions to our

school have been unparalleled,” said Bill

Hurst, headmaster of Centreville Academy,

located 60 miles north of Baton Rouge.

“Jesse and Lisa represent the Christlike attitude

of giving freely unto others, especially

those less fortunate.”

Riddle’s involvement with Oxford originated

at a conference he attended there in

December 2001. While at Oxford he met

Lady Mary Soames, Churchill’s daughter

(“Here’s a kid from Mississippi meeting

Churchill’s daughter—think about that!”

Riddle marvels), former British prime minister

Sir Edward Heath, and Manchester

College principal Dr. Ralph Waller.

Riddle and Waller hit it off famously,

holding an impromptu but in-depth discussion

about British philosopher and religious

leader John Wesley. In the spring of 2002

Waller visited Jesse and Lisa Riddle and

their five children in Sandy. Riddle had by

that time accepted a position on the board

of regents of Manchester College, and

Waller brought a copy of the London Times

announcing Riddle’s appointment.

“My name was in the London Times, and

it wasn’t in the crime section,” Riddle jokes.

On a more serious note, he says, “It’s great to

be around people who care about education.”

In addition to attending regular board of

regents meetings at Oxford, Riddle has committed

to attend as many monthly meetings

as possible of the Centreville Academy board.

Although the two schools are worlds apart in

terms of scope and reputation, Riddle finds

many similarities.

“They both have financial constraints,” he

says. “They both worry about the curriculum.”

When it comes to the worries of a school

administrator, Riddle may be just learning.

But when it comes to the potential of education

to lift and inspire, Riddle has mastered

the lesson. Now he’s sharing that lesson with

students in rural Mississippi, at Oxford, and

at the J. Reuben Clark Law School.

“Who will be the leaders?” Riddle asks.

“The leaders will be the ones with education.”





JESSE L RIDDLE (ATTORNEY), (Zip code: 84094) $500 to HATCH ELECTION COMMITTEE on 10/10/00



Name:
RIDDLE, Mr. JESSE L

Member ID:
06640

Member Type:
Attorney

License Status:
Active

Firm:
RIDDLE & ASSOCIATES, PC

City:
Draper

Address:
11778 S ELECTION DR STE 240
Draper, Utah 84020-6808
U.S.A.

Phone:
801-569-3100

Fax:
801-569-8700

E-mail:
(Private)

Law School:
Brigham Young University

Graduated:


Bar Admission:
10/19/1993






Name:
WOOD, Mr. DAVID G

Member ID:
07352

Member Type:
Attorney

License Status:
Active

Firm:
RIDDLE & ASSOCIATES, P.C.

City:
Draper

Address:
COMPLIANCE
11778 S ELECTION DR STE 240
Draper, Utah 84020-5539
U.S.A.

Phone:
801-561-3900

Fax:
801-569-8700

E-mail:
(Private)

Law School:
Brigham Young University

Graduated:


Bar Admission:
10/17/1995






Jesse Riddle
Riddle & Associates


Title: Great Debates
Should You Make Love or War? Appropriate Responses to FDCPA Suits

About Jesse Riddle:
Jesse L. Riddle received his Bachelors of Arts in 1984, and his Juris Doctorate from the J. Reuben Clark Law School at Brigham Young University in 1988. His law practice is headquartered in Salt Lake City, Utah, where he has developed one of the nation=s leading law firms in the financial industry. Riddle & Associates, P.C. now represents numerous financial institutions, retailers and other businesses throughout the nation. Mr. Riddle is a nationally recognized expert on the Federal Fair Debt Collection Practices Act. He is a member of the Colorado, Hawaii, Oregon, Texas and Utah Bars, and is admitted to practice and has taken cases before the United States Courts of Appeal for the 2nd, 5th, 7th, 9th and 10th Circuit. Mr. Riddle is also admitted to practice before the United States Supreme Court.





































Jesse Riddle:

Jesse L. Riddle received his Bachelors of Arts in 1984, and his Juris Doctorate from the J. Reuben Clark Law School at Brigham Young University in 1988. His law practice is headquartered in Salt Lake City, Utah, where he has developed one of the nation's leading law firms in the financial industry. Riddle & Associates, P.C. now represents numerous financial institutions, retailers and other businesses throughout the nation.

Mr. Riddle is a nationally recognized expert on the Federal Fair Debt Collection Practices Act. He is a member of the Colorado, Hawaii, Oregon, Texas and Utah Bars, and is admitted to practice and has taken cases before the United States Courts of Appeal for the 2nd, 5th, 7th, 9th and 10th Circuit. Mr. Riddle is also admitted to practice before the United States Supreme Court.

Mr. Riddle was invited to join the Board of Regents of Harris Manchester College of Oxford University, Oxford, England, in 2002, and currently serves as an Advisor to the Principal. He has attended numerous meetings and lectures at Oxford.

Mr. Riddle has formed, founded and funded numerous business ventures. He is an author, a pilot, and frequently called upon to speak at conventions and meetings. He serves on numerous civic boards and church committees that direct charitable work throughout the world.

Mr. and Mrs. Riddle are the parents of five children. He and his wife Lisa contribute generously to non-profit charities devoted to the advancement of education for at-risk and financially impoverished children. Each year, the Riddle’s fund two full scholarships at the J. Reuben Clark Law School for students from the Pacific Islands.



Presentation
"The Rising Cost of Collections. Why?"
Jesse Riddle

Presentation Summary: With better technology, lower long distance rates and the benefits of off-shore call centers, the cost of collections should be less than a decade ago. However, the path down the road to successful collections is filled with expensive obstacles. This session will discuss obstacles faced daily by collection professionals.

Biography: Jesse has over 15 years experience in the collections industry. He oversees legal strategy and new business at Riddle & Associates in Salt Lake City, a national collections law firm. A frequent speaker at national collections conferences, Jesse is regarded as an expert on FDCPA related matters. He is politically involved having held fundraising events in his home for U.S. Senators Robert Bennett and Orin Hatch as well as for current Governor John Huntsman. Jesse received his undergraduate and law degrees from Brigham Young University.
pissed off
 Mar 27th, 2009
I received a call from the rudest person ever. Asking me about an account called AIRTOUCH. Who the heck is Airtouch? I never heard of them and then she tells me that this is from 1995. There is not such thing as qualuity assurance when they talk to a person like she told me she yelled and told me to hang up on her!!!! They are Crazy.
Martin Queen
 Mar 27th, 2009
Received call fromsame number as everyone else. Was told my auto warranty was about to expire. I knew it was a scam as my cars are a 1995 and a 1972. Beware and report these calls and numbers to your cell phone carrier as they will hunt them down. I did and my carrier contacted me and told me the name of the person making the calls. Michells Barrish from Dupont Washington state. Please report these calls as the more reports the more ammunition the cell carriers have.
Gary
 Mar 20th, 2009
Want responsible adult to return call. VERY nasty message.

This is a collection agency trying to collect a debt from my deceased husband from 1995!!! I have blocked the other numbers they called from so they intered this new one. Guess what it is blocked now!!!
Sue
 Mar 18th, 2009
I called the number listed on my caller ID back. It is used by many different companies, saying I have previously authorized them to call me which is total bulls**t. Claims I can save lots of money on warranties, which is also crap because I don't have anything that would still be under a warranty. My newest electronic device is my computer, which had the warranty expire over a year ago. My NEWEST automobile is a 1995. I also have a 1983 van, 1980 car and a 1979 car. Which of these would still be under warranty??? I am on the DNC but it seems these stupics f**ks don't understand what that means.
Tod
 Mar 09th, 2009
I have reported the car warranty scam calls to the Buffalo Better Business Bureau. Here is a copy of my email.
Dear Sir or Madam,
I would like to report what is apparently a scam asking persons to renew their car's warranty and perhaps divulge personal classified information. I live in Greece, NY, and I am 1X years old.
My address is XX XXXX Drive, Rochester, NY 1XXXX, and my home phone number is (585)-XXX-XXXX.

On Friday I received a call on my AT&T prepaid cellphone (number (585)-XXX-XXXX) from an un-named company asking me if I wished to renew the warranty on my car. A recorded message played, telling me that "This is the second and final time that we have tried to contact you, and if you do not take action, your vehicle will no longer be under warranty. If you want to speak to a customer service person, please press 1." This was at least the third time that they have contacted me or my family with the same message, so I followed the prompts, out of curiosity, to try to discern what was going on. I was on hold for about a minute and a half, and then I was greeted by a young woman's voice. She seemed ill-prepared and unsure of herself. She asked if I wanted to keep the warranty on my car, not knowing that I'm 1X, have no car, and do not live on my own. I played along, to get enough information to report to you.
(My family has two cars, which we purchased used from private owners [not dealers] ): a 1995 Honda Civic DX, and a 1997 15-passenger Ford Club Wagon. I do not recall my family ever getting information from either Ford or Honda about any warranties.)
The operator said, "I'm going to need to ask you a few personal questions."
I said, "Oh, like what?"
She said, "You will need to give me the make and model year of your cars.
I said, "Don't you know that already? Look, if you are going to tell me that I need to do something about the warranties, I think you should at least know what kind of car I have and how old it is."
She replied, "No, I'm just an operator. How would I know that?"
I said, "Well then, why don't you transfer me to somebody who knows this already?" She replied something like, "No, it's my job to ask you these questions. So what model year and make is your car?"
I was getting tired of this, and not wanting to completely lose my temper, I said, "Look, I've had enough. I know this is a scam and you are trying to rip me off," whereupon I ended the call.
My cellphone recorded the number that they called from as 1-(989)-732-0514, time received 12:03:41 PM on Friday, February 20th. Right before I was connected to the operator, a recording said: "Your call may be monitored for training and quality assurance purposes," so they may have a record at their call center.
I did a whitepages.com reverse search on the number here. I wonder if they could be using a person's number to make it harder to track them down.
Thank you very much for your help and for the good service that the BBB provides across the country.
Philip Fxxxxxx
for my family

Today the BBB replies with this:
Thank you for your email. We have received information about companies such as what you describe below. The issue that we are having however is gathering an address so that we can help consumers file complaints and post reports; without the address to contact the company we are unable to do this. If you are able to obtain the address to contact this company please advise.

Thank you for your time and for reporting this information.

Sincerely,

Jeneen Penman | Senior Trade Practice Specialist

If anyone has more info, please email the BBB at geninquiries@upstatenybbb.org and link to this page. Thanks a lot.
Phil in Roch NY
 Feb 24th, 2009
Received a call today from this number, it was pure static so I called them back and they were looking for someone that has never lived here. I have had the same number since 1995 and it is a non-published number so I don't know how they are getting this number for someone who I don't know. I did find out who the 800 number belonged to though, here is their information:

Caller ID: 800-326-0120
Caller: Enhanced Recovery Corporation
Caller Type: Collection Agency
Website: https://www.erccollections.com/
JamesP
 Feb 12th, 2009
I've been getting these calls for months. They are calling my work cell phone number. Nobody knows this number. I also have a 1995 car that has been paid for outright for over 10 years. It is a scam and it is getting really annoying.
Me
 Jan 20th, 2009
SAID TRYING TO COLLECT A TELEPHOPNE BILL FROM TEXAS FROM 1995. I LIVE IN LITTLE ROCK. SHE WAS A BITCH.
TONY
 Dec 23rd, 2008
OrgName: Global Crossing
OrgID: GBLX
Address: 14605 South 50th Street
City: Phoenix
StateProv: AZ
PostalCode: 85044-6471
Country: US

ReferralServer: rwhois://rwhois.gblx.net:4321

NetRange: 206.165.0.0 - 206.165.255.255
CIDR: 206.165.0.0/16
NetName: GBLX-19
NetHandle: NET-206-165-0-0-1
Parent: NET-206-0-0-0-0
NetType: Direct Allocation
NameServer: NAME.PHX.GBLX.NET
NameServer: NAME.ROC.GBLX.NET
NameServer: NAME.JFK1.GBLX.NET
NameServer: NAME.SNV.GBLX.NET
Comment:
RegDate: 1995-10-12
Updated: 2002-12-06

OrgAbuseHandle: GBLXA-ARIN
OrgAbuseName: GBLX-Abuse
OrgAbusePhone: +1-800-404-7714
OrgAbuseEmail:

OrgNOCHandle: GBLXN-ARIN
OrgNOCName: GBLX-NOC
OrgNOCPhone: +1-800-404-7714
OrgNOCEmail:
usbank-email
 Dec 08th, 2008
Registrant: Make this info private
U.S. Bank,N.A.
425 Walnut Street, EP-MN-BBEE
Cincinnati, OH 45202
US

Domain Name: USBANK.COM



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Administrative Contact , Technical Contact :
Morrow, Mark ContactMiddleName
domainadmin@usbank.com
2751 Shepard Rd, EP-MN-BBEE
St. Paul, MN 55116
US
Phone: 651-205-0265
Fax: 123-123-1234

Record expires on 15-Feb-2018
Record created on 14-Feb-1995
Database last updated on 27-Feb-2008

Domain servers in listed order: Manage DNS

NS3.USBANK.COM 170.135.240.25
NS1.USBANK.COM 170.135.112.25

Show underlying registry data for this record


Current Registrar: NETWORK SOLUTIONS, LLC.
IP Address: 170.135.216.181 (ARIN & RIPE IP search)
IP Location: US(UNITED STATES)-MINNESOTA-MINNEAPOLIS
Record Type: Domain Name
Server Type: IIS 5
Lock Status: clientTransferProhibited
Web Site Status: Active
DMOZ 7 listings
Y! Directory: see listings
Secure: Yes
E-commerce: Yes
Traffic Ranking: 4
Data as of: 22-Apr-2008
WHOIS USBANK
 Dec 08th, 2008
http://www.internic.net
for detailed information.

Domain Name: USBANK.COM
Registrar: NETWORK SOLUTIONS, LLC.
Whois Server: whois.networksolutions.com
Referral URL: http://www.networksolutions.com
Name Server: NS1.USBANK.COM
Name Server: NS3.USBANK.COM
Status: clientTransferProhibited
Updated Date: 27-feb-2008
Creation Date: 14-feb-1995
Expiration Date: 15-feb-2018

>>> Last update of whois database: Sun, 07 Dec 2008 22:46:06 EST
internic.org
 Dec 08th, 2008
The owners of Auto One are criminals...Beware...they have been involved in many federal crimes.....mail fraud....tax evation.....they stole 3.2 mil of 50 old people.....sold them swamp land.....

http://www.sec.gov/litigation/litreleases/lr19392.htm

http://www.sec.gov/litigation/litreleases/lr19392.htm

http://classaction.findlaw.com/cases/securities/sec/sec1/files/1995/lr14671.html
tele-police
 Oct 23rd, 2008
The machine answered: Tony claimed I won "one of our top four major prizes" as a result of my filling out a form, within the last 12-18 months, to win a new car. I NEVER do that kind of thing. Claims that this is not a 'telemarketing agency, time-share or cold call'. (HA!) Told to call 866-222-1995 x221.
pc
 Oct 22nd, 2008
When they called me and told me they had my credit card information and wanted to offer me $40 in gas coupons and a great deal on other items, I told them I did not want it. They told me that if I did not want the great deals, I could cancel and my credit card would not be charged!!!!! I demanded to know the compnay name and address and looked it up on the Bteer Business Bureau site. This is the report:


BBB Rating

This business does not meet BBB criteria for a satisfactory or unsatisfactory rating. Any BBB concerns about the business are stated in the report.

Name: Quality Resources, Inc.
Phone: 727-712-2221
Fax: 727-669-7762
Address: 19321C US Hwy 19N. Ste 200

Clearwater, FL 33764
Original Business Start Date: November 1995
Principal: Ms. Cheryl Mercuris, President
Customer Contact: Mr. Kraig Allen, Compliance Director - 727-712-2221 or kallen@qualityresources2.com
TOB Classification: Telemarketing Service(s)
BBB processed a total of 132 complaints about this company in the last 36 months, our standard reporting period. Of the total of 132 complaints closed in 36 months, 48 were closed in the last year.
Mad Consumer
 Oct 20th, 2008
This number comes from Mitchell Communications or Mitchells Communication Group. It is the company
called Brite Vacation Club. I was called repeatedly just like the other person that listed the
number 866-222-1995. The multiple numbers that showed up on my caller ID were:773-493-0895;
773-667-6218; 773-667-7589; 773-493-1073. Every time they call, they call from a different number.
To me that's not a good sign.
Daisy
 Oct 16th, 2008
A woman named Shavon, claiming to be with United Travel Network, told me that I needed to claim my prize and I would not need to buy anything. She knew my first name, former last name, address, the fact that I was previously married, but had the wrong age for me. She said that "we" had a combined income of 49k or more, and asked if the info was correct. I told her that she had the wrong age, and that I'm no longer married. She told me that a card was filled out for me at a sporting event, shopping center, or festival in the past 12-18 months. I've been divorced, and have had a different last name, for far longer than 18 months.

When I told her that the information was wrong, she told me to call her back if I can find someone who matches the age, marriage, and income requirements I'm guessing. She gave me the address 1935 Sherma Rd. suite 101 in North Brook, Illinois, and the phone number 866-222-1995 ext. 238. (And my claim number, of course.)

Obviously, I'm not calling her back. The caller id says: Mitchells Commu 773-493-1073
Jasmin
 Sep 27th, 2008
A woman named Shavon, claiming to be with United Travel Network, told me that I needed to claim my prize and I would not need to buy anything. She knew my first name, former last name, address, the fact that I was previously married, but had the wrong age for me. She said that "we" had a combined income of 49k or more, and asked if the info was correct. I told her that she had the wrong age, and that I'm no longer married. She told me that a card was filled out for me at a sporting event, shopping center, or festival in the past 12-18 months. I've been divorced, and have had a different last name, for far longer than 18 months.

When I told her that the information was wrong, she told me to call her back if I can find someone who matches the age, marriage, and income requirements I'm guessing. She gave me the address 1935 Sherma Rd. suite 101 in North Brook, Illinois, and the phone number 866-222-1995 ext. 238. (And my claim number, of course.)

Obviously, I'm not calling her back. The caller id says: Mitchells Commu 773-493-1073
Jasmin
 Sep 27th, 2008
They first said that they were calling about extending the warranty on my vehicle. Then they told me that they are calling anyone with a vehicle between model years 1995 and 2003. When I told her I did not own a vehicle, she said that they were calling people from a list. When I asked what list, she hung up on me.
T
 Sep 17th, 2008
These people are a scam, they want personal information. if you ask them what company they work for, they hang up on you. if you ask them which car they are talking about they say "the one that is older that 1995, and newer than 2007" these people want your creditcard number and name.
CBG
 Sep 17th, 2008
They called and said it was urgent that I renew my car warranty. I am 83, haven't driven since 2000 and sold my 1984 ford in 1995. These people are definitely crooks. It is evident that the do not call list does not work.

I get these little green cards in the mail too, telling me that I renew my car warranty. Good Lord, my car warranty ran out in 1985.
Senior adult
 Sep 11th, 2008

100 Comments