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 Sep 01st, 2017
Ah, the shill comes to the defense of his dodgy company. You define "loser" all around.
Resclownisaliar
 Apr 01st, 2013
What a pretentious wanna-be. "For the right damage award you can feel sufficiently frightened and abused, yes?"
Really? People like you have nothing better to do then try to slip at a restaurant or claim harassment in order to get some money you did not earn. What a loser.
Res47clown
 Jan 10th, 2013
She just left another message. Here's a partial transcript. She DOES seem to try to emphasize certain words:

"This information is for [wrong first name, my common last name]. I’m _____ of _____ and Associates. We’ve been instructed to contact you regarding your case--_____12327. We do have a REFUSAL on file. It is due to be filed out with the ATTORNEY in your JURISDICTION by the (corporate) business. Again, if you have any questions or concerns, you or your attorney can give us a call at 888-736-1286. Unfortunately, if no response like all the others it will be filed out of Wayne County with that case reference number. Good luck and _____."

- - - -

No real specifics. Yes, they got The county right, but that would have been easy to figure out if they got my number from the phone book where I am listed only as two initials and a last name.
Linda
 Nov 01st, 2012
The marble-mouthed speech could be a byproduct of slack training and employee turnover. It might also be something which is taught and rehearsed, so that certain fearful trigger words are delivered. It's a method of implying a threat without strictly making one. The FDCPA is enforced by a ''least sophisticated consumer'' standard, so it's often possible to argue that an implied threat is as good as a clear one.

The other phrase I like: Give 'em shovels and they will dig their own graves. I'd agree you want a fat pile of violations before acting on them. It establishes a pattern of misconduct and cripples a ''bona fide error'' defense. Sounds like you got it under control, and your updates are certain to entertain.
Resident47
 Oct 26th, 2012
I am also "Not Me" on this listing.

I agree with your approach and if I thought I had enough evidence, I'd go after them.

On the other hand, I *CAN* give them enough rope to hang themselves.

The two recordings I have are legal because they were left on my answering machine. Unfortunately, the caller talks as though she has her ! in her mouth, so they are very hard to decipher.

My first step will be to copy them on to a tape that I can slow down to see if I can transcribe them. If I have enough to work with, I'll try to engage the caller in a conversation and record it legally (Michigan is a 2-party state).

I'll keep you posted as to what happens.
Linda
 Oct 25th, 2012
Linda .... I should have recognized your writing style. What I think is that the worms have already escaped, the moment the collector started yanking your chain. From my reading of comments elsewhere, the ''block/ignore'' approach may be both inadequate and a loss of opportunity. I'm much more .. errrm, activist in my approach to nuisance callers than you, but hear this out.

FFR appears to be headquartered in Florida (non-shocker there) and have a current corporate filing there. This gives you something tangible unlike their South Asian fraudulent collector kin. The verbal threats you've heard almost certainly violate FDCPA and similar state laws. They are not aimed at you but at the alleged debtor, which limits FFR's liability to you. HOW-ever, you do have a cause of action for any abusive or harassing treatment you might receive. For the right damage award you can feel sufficiently frightened and abused, yes?

The only good reason for engaging with such thugs on the phone is to confirm the call source and gather evidence of lawbreaking. By far the most likely source of FDCPA violations will be in a verbal exchange. Let 'em rage at you all they like. You know you have the high ground and no fear of placing your assets at risk. Record the calls, save message copies, take richly detailed notes. When you're done toying with them, send the total cease-comm notice as I discuss in this other thread and see if the fools disobey:

My advice for a ''not me'' case, in a comment from 29 August 2012:
877-305-2082) http://whocalled.us/lookup/877-305-2082

If you got 'em where you want them, send their worms back with a draft of your civil complaint and a cover letter ''inviting'' them to solve your problem for $x,xxx or you'll solve it yourself as Plaintiff.
Resident47
 Oct 25th, 2012
Hi Resident 47.

I believe you're right. They're looking for someone with a different first name but same last name as mine (I guess that's what goes with having a common last name).

They claimed I was legally notified of my court date via the message left on my answering machine (they left a callback 888 number).

So far, they’ve left two threatening and mostly unintelligible messages.

Since I know it's not me (not even my name), I think the best approach is just to ignore these. I'm afraid I'd just open up a can of worms by calling back.

What do you think?
Linda
 Oct 24th, 2012
You may have misheard FFR Associates, aka Financial Filing & Reporting. They sound like extortionist thugs with the usual total lack of claim.

Official-type material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/guidance/supervision/manual/fdcpa-narrative/

FTC alert: Who's Calling? That Debt Collector Could Be a Fake
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm
Resident47
 Oct 16th, 2012
Left a cryptic message on my answering machine and didn't identify themselves.

I don't have any debt, junk or otherwise, but I have a very common name which often gets selected from the phone book.

Move on, scumbag; it's not me.
Not Me
 Oct 15th, 2012

24 Comments