877-856-6928

You're very childish apparently your mother didnt teach you to be very responsible yourself! Why do people not take care of their obligations? And then become a nuisance ? Remember this before any of you go out and get credit! Its not free money!!!  Back in the 60-70's It was part of the American way to pay your bills! Now no one wants to be responsible! Everyone expects a handout! Theres no hope for America the beautiful when the real crooks are the people who go out borrow hundreds of dollars and don't pay it back...If you take a 25 cents candy from the store without paying its called STEALING! So what would you call borrowing hundreds of dollars and not paying it back? It all affects our economy ! Freakin Idiots!

Shelly! Smh very immature! If you don't owe the money show them you paid it! If you can't find proof that you paid it , They will provide proof you owe it! It's sounds like your just embarrased and upset that everyone is finding out you dont pay your bills!

I have been getting harassed and THREATENED from these people for about 3 months now.the latest phone # is 313-261-1150,the 877 # and I don't know how many other # also privet # on caller ID.the first person I talked to gave his name as John Constantino representing him self as a attorney assistant . He was nice on the first call then called back 2 days later ( I told him I needed to look up some paper  work from the company that HIRED THAT LAW FIRM.I was also told on the first call that if I paid the debt off  in full I will not be charged a $200.00 service fee and if he had to turn it over to his boss she could charge up to $3,500.00 in attorney fees.he called back in 2 days and I told him I would be paying the $200.00 debt directly to the company he got really pissed told me I did not have any paper work to pay them off because it's been sitting on his desk for2-3 weeks called me a liar then threatened me with court garnishment etc,etc. I hung up( .2-3 weeks for a attorney,s office to start looking into a matter????) Then I get another call from a another John Then a Miss Jones direct assistant to Mr. Copland.I told her the ONLY WAY I will deal with them is to get Legal  Documentation from the attorney (Law office) stating all info and cost. She said she would get it in the mail That was 2 weeks ago. Yesterday got a call or I should say my fiance  stating that they CAN NOT COMPLY with my REQUEST.for the information Documentation .I forgot to mention that they are calling others that know me to contact me and call them.Well I HAVE HAD IT this to the EXTREME. I AM POSTING this on every  site I can. I'M also contacting the FCC, STATE BAR in NEW YORK,(I live in Michigan)and the head of collection's company  that govern COLLECTIONS  AGENCIES.

[***], Vorpal.  These idiots keep calling me over and over again. Why? because they are trying to get ahold of my dead beat sister, who has never lived in the same time zone, let alone the same household, through me.  I have told this "Law Office" that I do not know how to "get a message" to her and to stop calling...TEN (10) TIMES.

10 times.  Yet, they still keep calling.

If they were a legitimate law firm, they would have stopped calling two weeks ago.

I am filing a complaint with the ABA, FCC and local police department.

Blessings to you CRS.  Their new number is 720-862-3582. Please reply to thread to let us know how it works out for you.  They keep calling me to get a hold of my sister who doesn't even live in the same time zone and whom I've had zero contact with in years.

I am taking similar action in Ohio.

Actually, I do pay my bills, and yet I can't keep these morons from calling me.  They are trying to get a hold of my sister, whom I have zero contact with.  I have told them (a real person at L Ryan Copeland) to stop calling me at least 10 times.

I pay my bills and have outstanding credit. Why am I being bothered? my deadbeat sister, whom I haven't talked to in years.  Have told a live person at LRyan Copeland to stop calling 10 times, and yet they keep calling...again and again and again.

This is obviously from someone working at the "law firm" and it just goes to show how they speak and treat others.  Some of the debtors want to pay back the money but are left no recourse if they don't follow the exact orders this place gives them.  The Federal Trade Commission told us to never give anyone an account # over the phone of we were unsure of them and had not even recieved paperwork via the mail.  They said to go straight to whoever you have the debt to and make arraingements with them.  On a side note the economy sucks and GOOD people have gotten in over their heads this does not make them SCUM BAGS.  We planned on paying our $640.00 debt come tax season and were treated as if we were murderers or child molesters, they would not work with us and only wanted an account number yet they were unwilling to provide us with the information needed to feel comfortable enough to make a payment over the phone.  We were hung up on more than once, threatend with court, jail and outrageous fines, called at all hours of the day and night, I was even told that my relationship with my husband was never gonna work because they gave me an outrageous amount and I knew my husband had not incurred a debt of this amount without my knowledge.   We have decided after reading these messages and talking with FTC and both NY and MICHIGANS  attorney general not to pay a dime and to report them at all three place.  Thanks for the forwarning my fellow debtors

Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.
False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren’t; or
indicate that papers they send to you aren’t legal forms if they are.
Debt collectors also are prohibited from saying that:

you will be arrested if you don’t pay your debt;
they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.
Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn’t; or
use a false company name.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.
Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members’ Pay
Military Annuities and Survivors’ Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Obviously "Vorpal Desilijic" is fronting for these scumbags. Haven't come across a positive review. And the line is always the same: deadbeats complaining about their debts. That's not what I've been reading. People who have had nothing to do with Copeland or Giove or L Ryan and Copeland (seriously--is this some kind of SNL sketch?) are all saying the same thing -- this is a scam. Since anyone can pretty much access limited credit records or perform data mining of credit, anyone could make any claim about anything, legit or not. Give these people hell, not your time or money.

Spoken like a stooge. Don't address the fraud problem; but always attack the people being victimized by these [***]. Nice morals. . .

I think this is a scam also. I received a phone call from the same number . Trying to find out info from me about a family member in another state. I just got a weird feeling, so I looked up the name and it is not a law firm. I don't know who they are. But, I asked them not to contact me again. I am passing this on to my family member and telling them not to reply or answer any questions.

It is nothing but a scam, and documented as a scam.  

http://www.educationcenter2000.com/legal/giove_law_offices.htm

And the attorney General in NY is already trying to put a stop to them.  When they contact me in writing I direct to the AG for my state.  When they call my house (daily) I ignore.  
I have a common name and they are attempting to collect on something which is not mine.  I requested media validation of debt and they refuse to provide.  

http://www.legalnewsline.com/news/222147-cuomo-targets-firms-in-lawsuit

they made consumer watch reports in Nashville.  SCAM!!!  

http://www.wsmv.com/money/25481881/detail.html

Thay keep calling and being very rude to me over the phone & thay have called my work & now have reacording calling my work saying thay are from L Ryan and Copeland
thay say I owe it form 2006 & won't show me any proof that I owe it. when I ask for proof thay start getting mad & makeing treats to sue me. How Do I get them to stop or show me proof or leave me alone. Thay have been doing it for months I am geting sick of it.
any help Thanks  
the # thay call form are 1877/976/1525-720/862/3593 And blocked numbers

This company has started leaving messages on my 80+ year old neighbor's phone waking her at 8 am!  The return number is no in service.  How in the world did they get her number?  Isn't it illegal to harrass others?  How can I reach these people to stop calling?

There is nothing you can do but report them and ignore them...  I have told them numerous times that I have reported them to both Mich/NY attorney general and the FTC but they continue to call, today I decided I was fed up and called them back numerous times being silent or blowing a whistle in their ear. I blocked my #  using *67  I suggest a few more of you do the same, give them a taste of their own medicine!!!!  I'M TIRED OF BEING HARASSED BY A BUNCH OF UNEDUCATED MORONS!!!  They tried telling me they were going to file a 1099!!!  What a joke,a 1099 is a form used for income from work you idiots not a form used to take 25% of someones taxes and if I only owe you $660.00 how exactly are you going to take 25% of a number you don't even know!!  Plus I found the real collection agency I owe the & 460.00 to they have sent me WRITTEN VERIFICATION of the bill and I will be paying them off with my taxes(so much for being a low life who needs to get a job and pay their debts) !!!  TAXES I RECIEVE BECAUSE I NOW HAVE A JOB!!!  SO RYAN L. COPELAND LAW OFFICES YOU KNOW WHAT YOU CAN DO WITH YOU SCAM!!!  I HOPE YOU ALL GET CAUGHT AND GET WHAT YOU DESERVE!!!

Here is one of their #'s813-261-1150


# To Report Them
New York /  5184748583

If you look at my 1st post at the bottom is the # for the FTC

It's illegal to tell anyone about other peoples debt YOU A**HOLE  for someone who supposedly "works" in a "LAW OFFICE" wouldn't you know that!!!  Today they answered the phone when I returned their call  "LAW OFFICE HOW CAN I HELP YOU"  I work for an actual LAW OFFICE and we would never answer the phone in that manner or say the things they have said to me.  We don't threaten and always send written verification of a debt within 5 days of first contact!!  We also have different payment plans and all include receiving money via money order if a bank account is not available or if the consumer does not feel comfortable paying that way.  We must always be respectful of the persons rights as stated in the Fair Debt Collection Act.  THIS PLACE IS A SCAM DO NOT PAY THEM, REPORT THEM TO THE FEDERAL TRADE COMMISSION AND YOUR STATE ATTORNEY GENERAL!!!