757-296-0105

Just filed a complaint about these jerks to the FCC.

Seriously! Second day in a row these people called us! David Wells and Amber Knight! We have no credit card debts! We don't even own a credit card! If me or my husband owes money on some debt, where is the written documentation? Can you provide that first? Demanding payment or a payment plan to be set up first isn't going to happen. Give us the written documentation proof we owe such debt! If you can't, forget scamming us for the money! Just because you have my husbands social security number doesn't prove this supposed debt is valid! And it doesn't threaten or intimidate either one of us! Get lost people! I hope that you both end up in jail for life!

contact your attorney generals office. i do it here in pa and the calls stop-and fast.

I don,t know who these people are but they are asking for me to call them and give a statement.  For what I don't know.  I have been getting a lot of weird calls from all over the United States here lately.  I turn all of them in.  Calls like this really scare you.

l keep getting these call from a Amber knight  and l refuse to give them any info and l told them to stop calling me ... I wish they would , when l do call the number back it states it is no longer in service ...SCAMMER ALL THE WAY!!!!

Received a msg from this number and they claimed I had a credit card from some company which I did not. They were rude and no matter what I say they kept on and on. They told me they would just keep calling and calling until I paid it whether it belonged to me or not.

I too keep getting Phone calls from this Amber Knight, claims its regarding preliminary paperwork and they need me to provide them a statement, they are in another state away Chesapeake Va. phone number 757-296-0105...they call me several times each day and won't stop...they are a SCAM and I called them back and told them not to bother calling me anymore and I called them a scam and left them know they are getting NOTHING from me!!! Please don't fall for their TRICKS!!!!!

They keep calling me and leaving threating messages... Dont call me by name , doesnt state why .. Ive asked them to stop calling me and to send me whatever they have .. if they have my phone number they should have my name and address why should I have to call them;

They started calling me so, here's some skinny from: https://www.ftccomplaintassistant.gov/

Before You Submit a Complaint
The Federal Trade Commission, the nation's consumer protection agency, collects complaints about companies, business practices, identity theft, and episodes of violence in the media.

Why: Your complaints can help us detect patterns of wrong-doing, and lead to investigations and prosecutions. The FTC enters all complaints it receives into Consumer Sentinel, a secure online database that is used by thousands of civil and criminal law enforcement authorities worldwide. The FTC does not resolve individual consumer complaints.

Your Privacy: How much personal information you provide is up to you. To learn how we safeguard your personal information, please read our Privacy Policy. If you don't provide your name and certain other information, it may be impossible for us to refer, respond to, or investigate your complaint.


Click here to file a complaint with the FTC [Copy Paste This link into your browser] https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

P.S. Glenda you picked the wrong house to threaten.  you willingly left your threat on my phone, I have a record of it. AT&T has a Record of it, FTC has a Record of it, You called a Texan and you are not in Texas. That makes it a Federal Matter.  I may not personally get resolution from your harassment.  But this Knowledge will set others free!

If this IS a debt collector calling, take advantage of https://www.annualcreditreport.com/cra/helpfaq while they do not have the catchy songs, it is not FREECREDITREPORT.COM which is a debt collector (and charges you money for your free report - as well as monitoring), but "Annual Credit report" is the organization mandated by FTC [Fair Trade Commission] that the big three give you a copy of your credit report FOR FREE, once a year.  KNOW if you have bad information on your report.  Then (and maybe before) check out http://www.bendover.com/creditreporthelp.asp , there are correctly worded documents that issue a CEASE and DESIST letter, to stop harassing Phone Calls and to STOP ZOMBIE Collecting as well.  i.e. this debt is beyond . . . .  and not collectible.  Or Google " Fair Trade Commission Debt "

This is a Note to those of you who do not have outstanding debt.

When you start getting calls it means that someone who has Debt outstanding (even if it was a 20 year younger self), has changed phone numbers and you have the same name.  they do what is called a "Skip Trace" and anyone with the same name (Poor, Poor John Smith) gets relentless phone calls.  Once they determine your address, they will attempt to attach that John Smith to your Credit Report, and UNLESS YOU DISPUTE IT, it sits there un-noticed.  that is of course until someone runs your credit report.

There used to be a short and sweet Article from Dallas Morning News about this:

But, Here is the most current one;

http://www.dallasnews.com/business/columnists ... -often-7082.ece

http://credit.about.com/od/debtcollection/bb/debtcollector.htm

Within five days of its first communication to you, the debt collector is responsible for sending you a debt validation notice. This notice should be in writing letter letting you know  you have the right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication.

So, if the debt collector’s first communication with you is by phone, you should receive a debt validation letter from them within five days. If the first communication is by letter, that letter might already include the debt validation notice; otherwise, you should soon get another letter including the notice.

If you don’t dispute the debt in writing within 30 days, the debt collector has the right to assume the debt is valid. During the 30 day period, the collector can continue attempts to collect the debt from you until it receives your validation request.

Submitting a Validation Request

To be valid, your request for debt validation must be submitted in writing. You can dispute the entire debt, part of the debt, or request the name of the original creditor. After receiving your dispute, the debt collector cannot contact you until it has provided you with the requested information.

Your debt validation letter should be sent in writing. It’s best to send the letter via certified mail with return receipt requested. This way, you have proof of the letter’s mailing and receipt by the debt collector. If you have to file a lawsuit against the debt collector, the certified and return receipts will help strengthen your case.

From Website Noted Above:

Date

Your Name
Address
City, State Zip


Debt Collector’s Name
Address
City, State Zip
Re: Account Number

Dear Debt Collector:
This letter is sent in response to <phone call/letter> received by you on <date>. I am requesting that you provide validation of this debt.

If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the [your state here] Attorney General’s office. Civil and criminal claims will be pursued.

Sincerely,



Your Name

These people have been calling my work phone and leaving messages. Today I answered a call from this number and it was a man saying that he is "at his wits end" from trying to get in touch "with you". Never says my name or where they are from and has actually called from four different numbers. I'm interested in what they have to say tomorrow since he's at his wits end today, lol!

The company is CKS Financial P.O. BOX 2856, Chesapeake, VA 23327 - 1-800-984-3711  website http://www.cksfin.com/. They are a collection company. They faxed my work asking for "verification of employment" including my home address and home phone number. They don't give any information about any potential debt. DON'T RESPOND TO THIS. It just gives them a way to harass you at home.