800-669-0102

have been getting calls from these IDIOTS for two weeks now, I was told by a person with a legal backround to send them a letter stating that I am contacting the attorney general,lets see what happens

This number calls me 4 times a day... everyday.  How can I make it stop.  Reported them to DO NOT CALL LIST and the calles still come, and getting more frequent.  I have never done business with Bank of America so why are they calling me?

please sop calling me  or I will take further steps with  the FFC

I believe that they were bought out by Bank of America home loans. So if they call again it will be no answer.

I have gotten about 15 calls on my cell phone in the past week. When I call back, they say it is Bank of America's home loan department. I don't bank with BoA nor do I have a home loan. I can't reach anyone without an account number. When I did speak to someone, they asked for a Christopher Swain. I have received calls from an attorney's office collecting debt asking for this person. I held to speak to someone this past Sunday afternoon when they called. I told them that I do not know the person they asked for and to please stop calling. I got two more calls the next day. I've also gotten calls from Humana asking for Joyce Heard.
Anyone else get a call asking for a name you don't know?

SERIOUSLY ---- over 50 times in the past few days an automated message .... "Please hold the line, I have a very important message for you"  I hold the line .. sounds like the call connects....,dead air.  I said out loud "these idiots cannot even connect the call"......some girl goes "you can hang up now"  I said "you called me" .... she said "you can hang up now"  I said "I was told to wait for an important message".... she hung up !!!!

Debt Collectors – Collection Agency's 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.

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!!!  

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.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved

call me everyday

BAC (Bank Of America Home Mortages)
This is the Collection Service for Bank Of America Home Mortages

they have called me 10,000,000,000 times....it is starting to become irritating...how to stop?

800-669-0102 has called the office line I answer about a dozen time todays.  They are looking for a non-existant employee.  The representative was the rudiest piece of crap I have ever encountered.   I called this number to find out whats going on and to report this rude ass, but the system doesn't allow you to do anything without an account #, SS# or blood sample 9LOL).  I've heard about these kinds of companies, but never encountered one until today.

Very rude person via computer call trying to con me into calling them. Claims to be mortgage company but wants too much personal information to confirm!!!! Must call them to find out more. Watch out. I smell soemthing rotten

They have been calling my cell for a week asking for a gentleman by name. I have informed them that I've had my number for over 7 years, they still keep calling.

This # belongs to some mortgage company run by BANK OF AMERICA.    I do not have an account with them, yet they call ALL day for someone that owes them.  I attempted to call them.  BUT of course all I get is an automated message wanting me to enter my account # or Social Security #.  No human contact.......They then say to call back when I have my account # available..........FRUSTRATING!!!!!


1-800-669-0102

I called the number back. An automated voice said it was Bank of America. I could not get a hold of a live person (most likely, one doesn't exist). The fax number at the end of a long long message was 805-520-5019, if anyone wants to try it. I have submitted my first fax to them. Good luck.
Otherwise here is the addy at the end of that message:
POBOX 5170
Fimi Valley, CA 93062-5170

Same here, 800-669-0102.  Don't have any accounts with countrywide, but about mortgage, need account number which I don't have.  Wish they'd stop calling.  It is annoying.

They call several times a day but nobody speaks, thay just hang up!!!!

I have recieved many calls from this number in the last couple of days. Called the number back and recording said it was BANK OF AMERICA HOME LOANS. I hung up and put their numer in my phone to go straight to voicemail

they have called 9 times from 8am to 6:30 pm today  i think that comes under harrasment in oklahoma.  don't know who it is as no name is attached, no name no answer.

Countrywide has become Bank of America. Called regarding late mortgage payment.