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mr
Sarah, you don't mention if you're the alleged debtor, which makes a great difference in what a collector will say in a live or canned call. Self-identification and a mini-Miranda simply won't be heard in most cases until the agency is sure it's talking to the correct person. Ever since Foti V. NCO, agencies get sued about the same whether they favor the federal mandate of privacy or disclosure, making this a muddy issue with no sure outcome in court.

Now, if you can show a rep's statements have risen to qualify as violations, then you have a reliable cause of action. Of course, if you block calls and ignore the evidence you'll have nothing.
Resident47
 Jul 25th, 2011
According to a Collectors Exposed thread, RAMS pretty much packed up and moved to Vegas, rebranding as ''iRecovery''.

http://www.collectorsexposed.com/forum/index.php/topic/3474-attorney-general-announces-a-consumer-protection-lawsuit-against-a-denver-based-debt-collection-agency/
Resident47
 Jul 25th, 2011
Lawsuit filed December 2010, eh? It's July 2011 now. Either the wheels of justice move very slowly in Colorado, or Mr Abusive Debt Collector weaseled out/got let off with a little slap on the wrist and is back in business again.
SarahDM
 Jul 22nd, 2011
This debt collector does not follow the rules. Does he say who he's trying to reach? No. Does he say who he's calling from? No. Does he say this is an attempt to collect a debt, and all information gained will be used for that purpose yadda yadda? Nope. Does he have a voice that reminds the listener of Snidely Whiplash, make vague but ominous threats about "taking action," and engage in vebal abuse? DING DING DING! WE HAVE A WINNER! Oh, Call Butler? I have a number to add to your block-out list...
SarahDM
 Jul 22nd, 2011
Let's try that again ...

DENVER — Colorado Attorney General John Suthers announced today that his office has filed a lawsuit against Regent Asset Management Solutions, Inc., a Denver-based debt collection agency, and its CEO, Michael A Scata (DOB: 5/6/1954), on suspicion that they engaged in the unlicensed collection of debt in Colorado and violated Colorado consumer protection statutes.

Read the rest:
http://www.coloradoattorneygeneral.gov/sites/default/files/uploads/cab/120110%20Regent%20lawsuit%20release.pdf
Resident47
 Dec 19th, 2010
Here's the start of a press release of interest from 01 Dec 2010:
Resident47
 Dec 19th, 2010
got another message from fishers of who knows what. I don't have any outstanding debt and don't appreciate been told i do. Will any one out there join me in collecting from these people something for the inconvinance that they are calling? Any one know how get the FDCPA, involed? AZ 85044
gdp
 Oct 17th, 2010
Ok, I have received MULTIPLE calls from this number and another number 877-591-7730. Same thing from a Mr. Freeman, Mr. Liken, etc..."we have tried to reach you, you MUST call by 6pm, we will move forward with or without your imput, blah, blah, blah."

I called the FTC & reported the number, and even played the message. They said it is ridiculous. They do not say any specifics, they are just harassing. If it is from a debt collector they ARE REQUIRED to say that, their name, the company name, etc... they should also send a letter.

I filed a complaint, it took two minutes. I urge you to do the same.
FTC phone number is 877-382-4357, select 2...you get a real person immediately.
cln
 Oct 06th, 2010
Caller ID: 800 Service
Calls from multiple numbers. The number hangs up when you pick up the phone. On rare occasion a message is left saying its a law firm. I checked the numbers on the internet and everybody is saying the same thing. They just call and call and no one is on the other end.
877-868-2132,888-287-1946,877-591-7730,877-591-7654
Audrey
 Oct 05th, 2010
Very aggressive and demanding voice mail left on my machine. I was instructed to call an associate or business agent immediately because a claim had been filed at the callers office on my account...whatever the hell that means!
If I receive another call I will report it to the State of Montana Atty General's office to alert them to a possible attempted fraud. All indications are this is a debt collection service. They either have mistaken me for some elderly dumbass (I'm 72) they can intimidate or have the wrong Mr. Smith. I owe nothing except this month's current charges for utilities and my house payment due on the 6th. Screw this outfit!
Smith
 Oct 04th, 2010
These amusing phrases "a claim has been filed" and "would take action today", and others like them, are common collector tactics for creating false urgency. They sound almost legal, but by law a debt buyer cannot make threats of legal or police action. Here is how to read between the lines:

- "A claim has been filed." -- The collector claims you owe money and has created a file for that debt account.
- "We will take action." -- This could translate as anything. "We will call you again", "We will call your relatives", "We will go to lunch", "We will make paper airplanes", "We will shut down the agency out of crushing guilt and report all accounts as paid" ... Don't I wish ...

Debt collectors, as they are not making sales calss, are among the DNC regulations. If you are receiving misdirected or abusive calls from a third party debt collector, you may find relief in the provisions of the FDCPA, which regulates bad collector behavior and provides a private right of action. It grants you control of how you are contacted, and collectors can be sued for their crimes. You may however soon find that your verbal demands to limit or cease communication, as allowed by the FDCPA, are often ignored. You will have to place the discussion on a paper trail to enforce regulatory compliance. Learn your rights and first response tactics at FTC-dot-gov.
Resident47
 Oct 03rd, 2010
the message is; call for a iumportant message or urgant message that will have to be taken care of right now and call back on monday.
shirl
 Oct 03rd, 2010
Regent left a message saying that they had left several similar messages and that they would take action today if I didn't call by 6 PM today. This was the first time I ever heard this one. I have no outstanding debt or legal issues so I saved the number in contacts calling it SPAM and set it to no ring.
Tired of BS
 Sep 29th, 2010
Further research shows this is Regent (not regions) asset management.
Rob
 Sep 27th, 2010
This a collection service. They called and I did not answer; they left a message saying that they had left several similar messages and that they would take action today if I didn't call. Since I don't have any overdue debt, I figured what the heck and I called. They asked if I was: and gave my first and last name. They said they had an outstanding checking balance on a Wells Fargo Account. I said I don't have any outstanding balance. They then asked if the last four numbers of my social security number is 9755. I said it wasn't; they apologized and said they would remove my phone number from the system. It seems they are just tying to colect debts by guessing at people with the same phone number.
Rob
 Sep 27th, 2010
Recorded message keeps saying they have a business deal. Can't talk to anyone to stop the calls.We are on the do not call list.
S. Kuhn
 Aug 10th, 2010
They said "a claim has been filed against Sam doe" does this mean judgement or what?
sam
 Jun 21st, 2010

17 Comments