877-615-0298

Had received several calls from this number over the last few days. Left no message. When I was available to take the call today, caller said he represents Wachovia and wanted me to try life and disability insurance for 60 days risk free. They will send a $25 gas gift card for trying. He verified the spelling of my last name and asked my birthday (because the insurance cost is based on age). I refused and told him it's a scam. He said, "No sir, this ain't no scam." I hung up.

Over the past several weeks we have received numerous calls from 877-615-0298. We screen all our calls so we did not answer. No message was ever left. Since this had gone on for a while, I answered a call on Saturday, they identified themselves to be from Wachovia. They said it was a courtesy call concerning a promotion they were offering. I said I was not interested, asked them to stop calling and hung up. We have received several more calls since then. This morning I dialed the number back and a voice message said "Thank you for calling Wachovia. We recently tried to contact you regarding a special promotion." I was then given an opportunity to opt out of marketing calls. I tried calling Wachovia to complain about the number of calls we were recieving and no one seemed to know anything about it. One customer service rep. said it may be a scam.

I keep getting calls from this number even though I tell them I'm not interested in the 25 dollar gift card for gasoline.

This number calls repeatedly. According to Wachovia, THIS IS A SCAM. They say it is someone using the bank's name to get access to accounts. I noted that when you dial back the number, you get a recording saying "Thank you for calling Wachovia..." Wachovia claims it is not the bank, but someone using a ruse to get your information. Is this true? I don't know. But I do know the people calling from this number have my name. Still, Wachovia superviser says IT IS A SCAM AND DO NOT GIVE THEM ANY INFORMATION.

These people are rude. They call during the day for my husband every other day and I tell them he is at work and not to call during the day. They don't listen, half the time they hang up on me. Wachovia thinks it is an insurance company that isn't affiliated with them.
If you call the number back the recording lets you opt out of further calls, but I don't know if it works. I called Wachovia and if you tell the representative about the calls they will put a note on your account not to share your phone # with affiliated partners. I did both just in case.

Will somebody please forward this information to the FBI? Or better yet, find which state
the scammers are based out of, and notify that state's attorney general. The owner of this scam
company needs to pull a few years in Club Fed.

Get call from them every day but is never connected. it is very annoying.

Debt Collectors – Collection Agencies –   do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :


I am in receipt of your demand for payment. However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c). Failure to comply with said Notice, shall result in a complaint filed and submitted to the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

Your representatives have also been trying to contact me,  however, I only do business of this nature via mail. Therefore, I am requesting again, that you cease and desist from calling me or contacting us in any way.

Please remove the phone numbers XXX XXX-XXXX. The calls constitute harassment at this point, which is causing a major disruption in both my business and personal life as well as being an invasion of my privacy, which I will not tolerate.

If you continue to contact me, I may file a complaint with the Attorney General. The Telephone Consumer Protection Act of 1991, which branched from United States Code Title 47 sect 227, implemented a do-not-call list from solicitors, which mandates a solicitor to abate phone calls to customers who have requested in writing to cease all phone communication.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right, to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  


Sincerely,

Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Please email me at com.gmail@mommypettlc (tlcpetmommy) for help with individual questions.  Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

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