United Recovery Systems -OR- as I like to call them U.R.S. Under Rock Scum
5800 North Course Drive
Houston, Texas 77072
Phone: 713-977-1234
Fax: 713-977-0119
www.ursi.com
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My Situation: I was forced out of work do to a serious medical illness, and went on federal social security disability, which makes me judgment proof while on long term SSD.

It does not matter to any collection agency about this, and they will goto great lengths to squeeze you for the last bit of pennies you have. I started fighting back now when I was screamed at by a collector that "they'll get the money when I'm DEAD! and asked when I thought that was going to be?!" Then they called my Mother at her home at an unlisted number to berate her about my condition, and about the money i owe people. All against the law, but continues to use this tactic as threats to me and my family nonstop. They called her again this time from a local number, and told her that the caller "Courtney Cash, is a old time friend of your son's and need to talk to him" Asked for a number for me... TIZZZ!!! RED FLAG!!! Against the Law to call family and friends to make collections on you!!!

Courtney Cash is a lying sack of @#$%

I suggest buying a "Advanced Caller ID with Ring Controller" from JF Tech Developing Co., in Norwich, CT.. Web site is www.JFTeck.com This nifty device is a Caller ID box as you would expect to find for around 60 to 70 dollars, and is worth every single penny! What it does is takes the caller ID that comes in and compares it to a list you enter of calls to block. Yes it really works! and all that happens is the caller only hears on their end of the call is a ringing forever up to 20 rings and then the phone company cuts you off anyway. What you hear on your end is NOTHING!!! Just Bliss!!! It shows who called, but never rings through to you. Now if the Collection Agency catches on to this they will starting calling from other exchanges like ex. 717-232-0001, 717-232-0002, 717-232-0003, 717-232-0004, and so on. The device has that covered too, and lets you Block as a WILD CARD, which means you can list all number to be blocked from the following number ex. 717-232-XXXX where the "X" mean any number from the exchange, or you can just goto the extreme, and Block as ex. 717-XXX-XXX then no more call from the area code of 717.
RealGenius
 Oct 27th, 2009
Nationwide Credit, a collection agency calls many-many times a day.

NCI Correspondence
2015 Vaughn Rd Bldg 400
Kennesaw, GA 30144
1-800-456-4729

they have placed a call to me 12 to 23 times a day since Oct 8th, 2009. First you never give out your SS Number to anyone! Period! They will ask for it over and over, JUST SAY NO! Be nice though. Real simple to deal with this, just asked what the account is for the balance, and who it is from. Now get their mailing address and phone number, and your account ID that was assigned to your account if there is one.

-------------- HOW TO FIGHT BACK AND WIN!!! ---------------

Now, and again be nice when you read the following to them, because the following statement will fell like a weight has been lifted off your chest:

"In accordance with the Fair Debt Collection Practices Act, 15 USC 1692c, 805(c):
(c) CEASING COMMUNICATION. - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt."

That's it! End of the calls and the threats to come lock you up, and all the other B.S. stuff they know they can't say but due. Also No ONE is recording you, and if they are and it is stated as a fact, your answer is that you REFUSE to be recored on the call, and you should repeat this with each thing you say to them too. Now the next step is to lodge a complaint with the FTC - Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en#last and supply the repeat collection caller with the ID that is supplied to you when they call back over and over.

Now let the Electronic Age assist you in fighting back. I went and did 2 things in my case when I realized that my health was failing, and money problems would become an issue in a short time. I changed all my home phone Numbers to an Internet Calling number with Skype as it would only cost me $60 a year to maintain a real local number in my area, and gave me better control over who can call me, and when. If you don't have a computer, and just don't want to switch to a new number then i suggest buying a "Advanced Caller ID with Ring Controller" from JF Tech Developing Co., in Norwich, CT.. Web site is www.JFTeck.com This nifty device is a Caller ID box as you would expect to find for around 60 to 70 dollars, and is worth every single penny! What it does is takes the caller ID that comes in and compares it to a list you enter of calls to block. Yes it really works! and all that happens is the caller only hears on their end of the call is a ringing forever up to 20 rings and then the phone company cuts you off anyway. What you hear on your end is NOTHING!!! Just Bliss!!! It shows who called, but never rings through to you. Now if the Collection Agency catches on to this they will starting calling from other exchanges like ex. 717-232-0001, 717-232-0002, 717-232-0003, 717-232-0004, and so on. The device has that covered too, and lets you Block as a WILD CARD, which means you can list all number to be blocked from the following number ex. 717-232-XXXX where the "X" mean any number from the exchange, or you can just goto the extreme, and Block as ex. 717-XXX-XXX then no more call from the area code of 717.

One very important item you must do is follow through on mailing the letter and require a signature to be delivered, and a P.O. Box will get signed for too. In most cases their mailing address is the same without the PO BOX Line in the address. Also mail a normal letter also with the same in it as follows, and I GUARANTY they will stop calling you for collections. Here's a copy of my letter I send out to the few I had to deal with, just plug in your own words, and mail it off.


Today's Date

Your Name
Your Address

Collector' or Creditor Name
Address

RE: Account {insert account name and/or number}

Dear Collector or Creditor,

I am writing in response to your ((letter or phone call)) dated {{insert date}}, ((copy enclosed)) about the above referenced account. I am unable to pay on this account due to {{insert reason here i.e. unemployed, disability}} . This is a {{permanent or temporary}} situation.

I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no income at this time, essentially I have no money and can prove it! In accordance with the Fair Debt Collection Practices Act, 15 USC 1692c, 805(c):

(c) CEASING COMMUNICATION. "If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt."

Although I agree that I owe this debt, I am unable to make any payments toward it and therefore ask that you cease further communication with me concerning this debt. I will notify you if my financial situation improves enough to allow me to begin or resume making payments. Thank you for your understanding in this matter.


Sincerely,

Your Signature

Printed Name
RealGenius
 Oct 27th, 2009

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