topic Re: Voicemails From a Collector in Rebuilding Your Credit

Voicemails From a Collector

800goal800 — Mon, 21 Aug 2017 14:46:25 GMT

I have recevied multiple vm recordings ( and a recording when I answer ) from a firm called CJB / Legal Outsource. I'm wondering if the messages they are leaving can be considered ' deceptive '. The gist is: " My names is James ( mubmles last name ) calling about a fax order for delivery at the address on record. Please return my call as soon as possible for proper delivery of these documents".

I do believe they have a legit account based on initial communication ( phone call where i answered and spoke to a rep and an emailed dunning letter that did not include the comment " notify us in 30 days... " ) but I'm suspect dealing with what appears to be a shaddy company.

Are there any violations based on the above ?

This is for a charged-off payday loan and neither the original creditor nor debt buyer is reporting.

Thanks

Re: Voicemails From a Collector

Anonymous — Mon, 21 Aug 2017 14:51:57 GMT

Did you ever give concent for the collector to call your cell phone? This appears to heading toward possible FDCA and or TCPA violations.

Re: Voicemails From a Collector

800goal800 — Mon, 21 Aug 2017 15:03:08 GMT

The initial phone call was to my cell. On the first phone call I said I never received a letter, etc. They said they sent. I said can you resend to my email but never got. Received another call a few days later. Said I never got a letter they were going to email and they sent over without the " please notify us...etc.. ". The letter itself was odd in that they said they purchased all rights to the account but then says it will satisfy my deliquent account with the OC. In a follow-up email to me they said they were an " authorized agent for the OC "

As far as permission to call my cell, if it's the only number on record with a creditor then isnt that giving permission per se ?

Re: Voicemails From a Collector

800goal800 — Mon, 21 Aug 2017 23:22:53 GMT

Bump

Re: Voicemails From a Collector

StartinOver — Thu, 24 Aug 2017 18:59:41 GMT

I'm wondering if they bought their mailing list and they are making it all up. Do they have accurate information of who, amount, account number, etc? Are they reporting on your credit report?

Re: Voicemails From a Collector

800goal800 — Thu, 24 Aug 2017 19:02:34 GMT

It's my account I'm just suspect of the process and handing over personal inforamtion and payment. No they are not reporting it.

Re: Voicemails From a Collector

medicgrrl — Thu, 24 Aug 2017 19:06:20 GMT

Have you contacted the OC to see if they still own the debt and who they have collecting on their behalf? If you have the funds, you could always attempt to pay the OC.

Re: Voicemails From a Collector

800goal800 — Thu, 24 Aug 2017 19:10:07 GMT

I do believe it was sold. That said, Im wondering if these attempted collection acitivites are in violation of anything ? Can a decpetevie ( 2x per week ) voicemail be allowed.

Re: Voicemails From a Collector

medicgrrl — Thu, 24 Aug 2017 19:34:31 GMT

Not sure if this pertains to you...

https://www.consumer.ftc.gov/blog/bogus-debts-bogus-collections

Re: Voicemails From a Collector

Anonymous — Thu, 24 Aug 2017 20:16:09 GMT

Google the phone number.

I am getting them too but I have no debt owed not a legit one anyway. Google tells me it's a scam. Here is the text of my voicemail:

"I received a fax order regarding a complaint that was filed against you I have been retained to serve you with documents to appear at either your residence or your place of employment if you have any questions or concerns about this complaint or wish to rectify the matter you can hit any key on your phone to connect to our office directly or call us at the following number. 509-620-9010 When calling please reference file number? 3699 Three Seven you have officially been notified."

Google Voice and Hiya identify both the number they are calling from and the number they list to call as a scam debt collector. Google the text "I received a fax order regarding a complaint... and it will return as scam.

I doubt they are legit and from what I have read they absolutely must send you something in writing in the MAIL not just eMail. They claim they sent me both nothing showed. I know mine is not legit but I called them back to let them have it.

I have been getting calls like this easily for 10 years. They are dirty and research you to find out your relatives. My brothers ex-wife even got a call a few months back looking for me because "I was about to be served..." Still waiting to be served after 10 years.

Regardless I had a CH7 dischared 6/2016 so I I know there is no way there is legit debt. I do believe they got my info from a payday loan from many years ago. Payday loans are not enforcible in NJ and it's been probably a decade since I was desperate enough to use one.

I don't want to steer you wrong but it sounds just like the ones I got from 316-227-1858/509-620-9010

Re: Voicemails From a Collector

800goal800 — Thu, 24 Aug 2017 20:20:07 GMT

Thanks. Very similar. I do owe the debt and am sure it was sold off. I'm leary about paying any company with this approach even if they own the debt.

Re: Voicemails From a Collector

Anonymous — Thu, 24 Aug 2017 20:30:50 GMT

Google CJB / Legal Outsource

3rd hit from 800notes.com

http://800notes.com/Phone.aspx/1-855-202-9308

You may owe but it may not be to this guy. I hate to say it's a scam but it has the markings of one. Might be a junk debt purchaser going after debt or might be a total scam. I don't 100% trust 800 notes or even google when googling a number. They marked my car loan with Regional Acceptance as SCAM as often happens with any type of debt collector. I almost missed a call from them which was a good call not a collection call because of that.

I would contact the origional creditor and see.

I think it all ties back to to pay day loans let me know if that's your case or not?

In my case he knew my Social Security Number and told me this was 2013 I said great discharged 6/2016 so TFB.

I guess my advice is call them, tell them if you legitimitely owe this you are happy to pay or work out an arrangement but you never received anything in the mail and need a hard copy not email validating the debt. If they are legit they should not sqawk.

Re: Voicemails From a Collector

800goal800 — Thu, 24 Aug 2017 20:47:09 GMT

So just spoke with OC and they sold it it May to Debt Management Group. I just spoke with Debt Mgmt and they said that yes, they did buy it, but sold it right after to a company called Capital Management Holdings. So not sure how CJB / Legal Outsource fits into this ( they could be collecting for Capital Mgmt or may be a new debt buyer ). I have the number of Cap Mgmt but not really feeling like making a call......

Re: Voicemails From a Collector

Anonymous — Thu, 24 Aug 2017 20:55:42 GMT

Find out if payday loans are legal in your state and what they can do to collect.

Re: Voicemails From a Collector

800goal800 — Thu, 24 Aug 2017 21:02:38 GMT

When you say legal what are you referring to ? I had a payday loan - more than one - and they are allowed.

Re: Voicemails From a Collector

Anonymous — Fri, 25 Aug 2017 12:10:48 GMT

Missed that it was a store front.

http://www.paydayloaninfo.org/state-information

In NJ they are illegal. They try and tell you otherwise because they are "tribal nation" or that you wrote a bad check (post dated) for them to get money back.

You can still sometimes get them but they may not be as enforcable.

Just verify they are legal in your state before deciding what to do.