866-998-2500

They left a voice message and said themselves to be debt collection agency.

if you work for LTD you have got to be some kind of looser or just a annoying person with a small mind

Keep getting a call then a text w/ out any message to follow!!!

Not only do they call....they actually came to my house yesterday....taped a note on in the inside of my back door saying dawn called looking for me!! Is it illegal for them to come to your house?? The note was written on a piece of note paper torn out of a memo book about 3x5...it is quite scary they were on my property (well...where we rent!)...Is there any recourse I can take from them coming on private property?????

This is a debt collection agency.  They use alot of threats to get you to pay a debt and they will also call family, friends and neighbors.  I sued them earlier this year and got a $1,000 settlement.  They are now calling me again.  I guess they didn't learn the first time.  Get in touch with Lemberg & Associates or www.stopcollector.com and they will get them to stop.

I just received a call from 866 998 2500 and there was hesitation and then a female said she was sorry and had the wrong number.

Thanks....good advice on the *77

This number is calling to my cell-phone every day for more than a month. I need to know how to stop this unwanted collectors since I put my number in the www.donotcall.com list and seems it is not working! is any way to sue these guys for harassment? Thanks

LTD, you people regularly break the FDCA regulations.  If you call someone and they say they aren't who you happen to think they are, or you threaten legal action and don't follow through or any other infractions on the regs you break someone _will_ sooner or later, put your dumb a** out of business.  Pretty brave hiding behind a phone and talking big.  If you had any nads at all, you would slide on up to someones front door and run your nonsense on them.  But the odds are in your favor of collecting pennies on the dollar from people too intimidated to call your bluff.  You're a bunch of shysters.

You obviously do not have family, friends, exes or a life--or for that matter a modicum of analytical thinking--or you would not be so presumptive as to make the statements you did and be as ignorantly biased and judgmental as you are.  We continually get calls for my ex-husband, who NEVER had our number and my present husband and I have been married over 17 years now. We get calls for an Antwon (whomever that is), for a Shirley (never even knew a Shirley)...and the list goes on.  Debt collectors, especially the unscrupulous ones (and you sound like you might just be one yourself), use things like Intelius to look up names from old debt lists they have bought for pennies on the dollar.  They find associated names or phone numbers.  They call those unsuspecting people hoping to get a line or their "target".  Unfortunately these are innocent people being harassed as are oftentimes the people supposedly even owing the debt.  Get your facts straight before you start casting stones.

This is a collection agency. I have defaulted on a lot of my [***] and I'm not paying, they can [***] themselves. What are they gonna do, take money I don't have because I spent it on weed and a playstation 3? Good luck [***]. I play the system like a fiddle, and it's easy as [***].

Blocked!!! You don't know anything about these people!

This guy must be one of them doing all the annoying calling.

The FTC forced LTD Financial to pay 1.3 million dollars in 2007, charging that it "misled, threatened, and harassed consumers in violation of federal law." Here's the link to the aticle on the FTC website:
http://www.ftc.gov/news-events/press-releases ... tle-ftc-charges

From the FTC's lawsuit compalint:

"According to an FTC complaint, in many instances, collectors for LTD Financial Services, L.P., which collects on about 1.25 million consumer accounts per year, violated the FTC Act and the Fair Debt Collection Practices Act by falsely threatening or implying that LTD would garnish consumers’ wages, seize or attach their property, or initiate lawsuits or criminal actions against them if they failed to pay."

"LTD collectors, who collect in English and Spanish, allegedly called consumers at their place of work despite knowing it was inconvenient for them to receive calls there, and disclosed the existence of debts to family members, employers, co-workers, and neighbors. They also allegedly harassed consumers and used abusive tactics such as immediately calling back after consumers hung up on them, and sometimes used racial slurs and profanity. According to the complaint, in some instances, front-line supervisors and mid-level managers either participated or were aware of such practices under their supervision but failed to impose sufficient discipline."

"The complaint also alleges that LTD’s internal compliance program regularly catches collectors violating federal law, but even multiple egregious violations often go without serious punishment, and that senior managers either turn a blind eye to the unlawful acts or fail to exercise the supervision necessary to recognize the problems."

"Under the proposed settlement, LTD will pay a $1.375 million civil penalty. In addition, LTD and its owners, Timothy Feldman and Leonard Pruzansky, and its top managers, John Brewster and Derrek Davis, are permanently prohibited from misrepresenting to consumers that nonpayment of a debt will result in garnishment of wages, seizure or attachment of property, or lawsuits. They also are permanently barred from using false, deceptive, or misleading representations in connection with the collection of any debt, communicating with a consumer at any unusual time or place, including their place of employment, or harassing, oppressing, or abusing any person."

"The settlement requires the defendants to clearly and conspicuously disclose to consumers that they may stop the company from contacting them about the debt, and to notify consumers that they may contact a special LTD physical address, e-mail address, or toll-free phone number if they have a complaint about the way the company is collecting the debt."

"Copies of the complaint and proposed consent decree are available from the FTC’s Web site at http://www.ftc.gov and also from the FTC’s Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, click http://www.ftc.gov/ftc/complaint.shtm or call 1-877-382-4357. "

It would be great to print this out, or obtain a copy, and then read it back to the debt collector when they call.

they call at all times of day and evening, I never answer 888 or 886 numbers anymore

You are right about people running up credit cards then not paying their bill. But you left out the 1000's of government employees, CEO's who got away with millions and are still in business. Why are not these people locked up? Because people like you protect them, you think its fine if someone scams the public if they are rich enough to hire lawyers to get out of any jail  sentence. This is the same as what people are posting here.
If a person has lost their job after 35 years of loyalty and their top exectutives get away with millions THEY should be locked up. Not the person who lost their job (20% of every household in the entire continent has lost their job) and is now struggling to pay their bills. This is not the scammers or banksters who got stole money from you and me and every 'responsible' US citizen.
Before you doll out the condemnation of  working class, earning less than poverty level, taking on a 2nd job, homeless familes with children who were once middle class, or those who lost their job, sickness or whatever reason caused them to fall behind in payments, you should look at your own list of sins. Let him who is without sin cast the first stone. [***]

I received a call that claimed to be trying to collect a debt. The caller ID'ed herself as Irene Rodriguez, spoke very fast, and was hard to understand. This has to be a SCAM. There is always some kind of new scam to get you to send money or give personal information. They do this by scare tactics or confusion. DO NOT spend any time on the phone with these people. They are very skilled in extracting info you had no intention or knowledge of giving them.

you gave them your SS# and birthdate and name...watch your credit report...you just got scammed!

Guess someone didn't hit their quota....