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You probably won't have a job long... with the 38 BBB complaints against Ed Overcash and the other consumer watchdog organizations investigating him, you and your little "firm" will be unemployed before long.  And good riddance!

It's funny. If you visit their website http://overcashlaw.com/index.php, they actually have a "Consumer Complaint Hotline"... that should tell you something right there. They've NEVER called me, but have called my mother looking for me. I won't return the calls.

This was pretty funny,
I was called last week by a representative of Ed Overcash who was not really rude, just very terse and demanding.  They've called back every day, so today, I had a little time and called them back, after checking my credit reports from all 3 agencies to see who owned my debt, and found nothing reported.   To save you time, the offices of Ed Overcash only did a trans-union inquiry on me, and they currently do not show up as a creditor.   I have received no mail from my original debt owner that they had sold the debt (it's not required, but sometimes they will inform you).   The woman on the phone was dead set on moving forward, I asked her politely for the address so I can send a written request to validate that they have legal claim of the aforementioned debt.   She attempted twice to weasel away from my request, claiming that I should have all the information that I need, I was persistent and polite, and asked again if I could please have the mailing address so I could send them a written request to validate they have a legal right to collect the debt.   She sighed, and sounded defeated, the address she gave me while seemingly holding back other words she wished to say was "Law offices of Ed Overcash LLC; 33 villa Rd. Ste 401; Greenville, SC 29615"   I will attempt to validate the debt, but given the tone of the caller, I do not believe they have a legal right to collect said debt.    If you have the address and don't wish to deal with them, you may also simply send them a request in writing (registered mail) to cease communication, and by federal law they have to stop calling.   It's that easy, don't get sucked into their game, be polite, and assert the protection of law that you have.

He might be a legitimate lawyer but it's funny when he doesn't even follow The collections law. His workers make up things they claim you say, and they don follow the. Collection laws. I'm filing a attorney general complaint, harassment, ad I'm suing. He's a joke and his workers are ignorant. People have no income and he don't even wanna work with people. He should be out of business.

They said that to me also.  I asked them to send me the original documentation showing I signed for the corporations debt, she got really angry and said " so I'll just put it down that you are refusing to pay"  and hung up on me.  So I sent a certified letter again asking for the original documentation.   Document everything you do with them especially if you don't owe.

I too Funny S have sent letters to people for myself and my daughter.  It works every time.  They never have the original paperwork and they always go away.  Works like a charm.  Everyone needs to follow these steps. Takes 5 minutes to get them off your back.

And so the vultures wait until your dead and pick away at your corpse. Or they fly around under the radar they are scum of the earth and should be treated as such!

Your response is not only harsh but inaccurate! Where have you bee, in a hole the whole country in a "recession" including our fraudulent government!
I'm sure you don't "personally" know Brenda Fiers, so you have no right to act her personal character just because she hasn't paid her debts! Obviously, you don't ever read or listen to the reporters about how far in "debt" our leaders have gotten us, even though we pay them daily millions of dollars!
So if you little company thinks they have the right to collect debts from dead beats, then you need to begin with our government offices and officials who steal millions daily and have "trillions of dollars of debt!

Please just review your rights and the laws against creditors calling. The Federal government that governs credit card debt passed a law around 2000 that protects us from creditors calling or contacting any of our family, employers, landlords or friends, to locate us.

The alledged law office of Overcash, called my landlord, who was smart enough not to give them any of my info. I called them and told them they have NO LEGAL RIGHT to be calling and harassing us. Then I hung up on the rep.

Please believe me, they DO NO HAVE LEGAL RIGHT TO CALL & HARASS you at all!!!

Hi!

If you're being contacted by this agency, read this:

Ed Overcash doesn't exactly have a shining-star reputation in the collection industry as any Google search will tell you.  Luckily, there is this nice little thing called the "Fair Debt Collection Practices Act" that protects you from their shenanigans.  Here's a helpful rundown on how to handle these people:

1. They are required by law to send you a "dunning notice," (basically a letter stating that you're in collections, how much you owe, and who the original creditor is, like your credit card company.)  Most agencies send this first before contacting you, but if your first contact with them is by telephone then they must send this notice to you in the mail within 5 days of that phone call.

2. Don't get stressed out with them on the phone.  Many collectors use sleazy tactics to try and get you to admit to owing the money and to make a payment (do not do either under any circumstance.)  From what most people say from reports online, the majority of what they say to you over the phone can safely be construed as "spewing verbal diarrhea."  

3. If you are located in South Carolina like they are, then you are classified as a "one party notification state."  For people who don't know, it means you can record the phone conversation without the consent of the other party as long as one person (you) is aware and agrees to the recording.  Record their blasphemous remarks!

4. If you followed the advice from number two above and did not admit to owing any money, wait for the dunning notice to arrive in the mail (be sure to tell them you want this notice in writing so you can review the information before proceeding.)  Make sure they have a valid address to send it to.  If you spoke with them on the phone as first contact (before receiving anything in writing), be sure to end the call by saying "all phone calls are inconvenient."  By law they must honor a verbal request for 10 days and they are not allowed to call you if they know it's inconvenient.  Record any future calls you receive.

5. Once you receive the dunning notice, you can dispute the debt.  Send them a letter by certified mail with return receipt requested (a little card you get back with their signature proving they received the letter.)  State your account or reference number and very clearly that you dispute their claim and demand validation.  End the letter by saying "phone calls are inconvenient." (Written requests that say phone calls are inconvenient are permanent unless you notify them again that they can start calling.)

6. Relax and wait.  By law, they cannot call you or make any further collection efforts until they send you validation of their claim.  This would be something like your most recent bill from the credit card company.  Nine times out of ten, they cannot validate the debt because they don't have the paperwork to prove it.  If this is the case, then your situation ends here.  They have no choice but to leave you alone.  

Things they CANNOT do:  Many collectors will try sleazy tactics to get you to pay them.  If they try saying that you'l be flagged as "refusal to pay," simply tell them that you're not refusing, but you're not admitting to the debt and want everything in writing.  They also cannot threaten to call family and friends to embarrass or harass you (in fact, once they've made phone contact with you and have a valid number to reach you, they cannot call 3rd parties anymore.)  They especially cannot threaten to have you arrested.  Being in debt is not a crime and making this threat is breaking federal law.  They also cannot threaten to sue you unless they actually intend to do so.

Read the Fair Debt Collection Practices Act and be on the lookout for any violations.  If they make any (and I'd say it's a good chance with these people) then you can take your case to a Consumer Protection Attorney.  These attorneys won't charge you anything and only collect money if they win the case -- and the collection agency is the one that has to pay them.  FDCPA violations are a steep penalty and you could end up getting the debt erased and putting several thousand bucks in your pocket at the same time.  

This post isn't to say you should try to squeeze out of paying something you actually owe - but most of the time if you corner these guys and they can't validate, then your account will end up with another collection agency down the road and the process starts over.  If you know you owe the money, you might as well come to a fair repayment agreement with a collection agency that will treat you with respect and actually intend on helping you get out of collections (they DO exist), which doesn't appear to be these guys.

(PS: If they sue you, make sure to respond to the summons.  If you don't then they win by default.  Many times if you show up to court to defend yourself, you can claim they haven't validated the debt and move for it to be dismissed, which works quite frequently since they just file hundreds of lawsuits at a time and are hoping the person just doesn't show up so they don't have to prove anything.)

If you do owe a debt, how do you find out who to pay if its been sold as bad debt?

Are you guys saying that I shouldn't be sending my payments to this company? I was threaten that if I don't, they will do something. So I was forced to pay up 50.00 a month and didn't get a statement showing they got the payment and documented it. So I am now starting to become very concerned. What should I do? Re-direct the payment directly to GE Money instead and knowing that they are safer?
I am open to suggestions....
The number I got through Relay was: 18642364365
That was a direct number to a guy name Colby as what the interpreter says. (Yes I am deaf)

How do you request a validation notice?
They did threaten once, the relay call said that Colby is an "attorney" until I called back and he said he's not. So interpreters don't lie and it's on recording.
Should I be sending this company money or should I send it to GE Money for a safer payment system?

Under the Consumer Protection Act if you write them a letter asking them to stop contacting you, then they must stop unless they are contacting you to inform you of a new action that will be taking place. They won't give you their address though. I had to Google it.

You all should file a complaint with the Federal Trade Commission. The complaint specifically asks for details of who is calling, and what they are saying. Here is SC's website outlining our rights as consumers. If you click on the link that says "File a Complaint," it will take you to the FTC website. http://www.consumer.sc.gov/consumer/Pages/default.aspx 

By law you can actually sue them and get a settlement if they keep up their illegal practices. Arm yourself with this info for the next time they call. I know I am.

You can call the original creditor and they will give you the info. More than likely the debt was charged off and another company bought it for a fraction of the amount and has not enlisted Ed OverCash to collect on it. Whatever money they collect goes to them and not back to the original creditor. You can always pay the original creditor and they will just forward the payment to the correct place.

that is right I just got called from this same law office about some one else but when I check the my credit report from credit bureau, it is showed this same law office had inquiry my credit history. I have no idea why and how they can have my SSN# and trying to harrassing me , I have not have anything to do with this debt matter at all. we all must to report to SC BAR against this idiot

Please Refere to cases filed and judgments obtained.... Enough said!! Good luck with your horrible credit worthyness... We are FDCPA Compliant, CFPB Compliant, and plan to succesfully resolve every acct and case through any avenue necessary!!  Enjoy being dead beats

That can't actually be Edward...can it? lol

I got a call 2 days in a row. The man I spoke with on the phone attempted to verify my last four SSN and I simply said "I do not give that information over the phone." He then tried to verify my date of birth and I said "I do not give that information over the phone." He then stated "but I have an important business matter to discuss, I just need you to verify the information so I can talk to you about it." I responded with "How about you provide me with your mailing address, I'll send you a certified letter, and we can discuss this matter via mail." He then provided me with the mailing address. He also provided me with my account number to reference.

Law Offices of Ed Overcash, LLC
37 Villa Road, Suite 507
Greenville, SC 29615

Then today he called again and we had the same conversation except this time before we hung up I said "Please do not contact me anymore over the phone. You'll have to wait to receive my letter and respond to that. Any further contact will be perceived as harassment. Have a nice day." and I hung up.

Most of the time debt collectors can be dicks, understandably, they deal with dicks all day every day. This wasn't the case here because when these people are dicks I turn into a dick. I hate doing that bc they're trying to earn a living too. If you send them a letter stating not to contact you or your place of work then legally they can't, and if they try then you can sue them.

I had some "legal" paperwork delivered this morning. I have a few issues with it though: 1) the bottom left of the first page shows a date of 06/2013. The bottom right is hand signed with a date of 12/5/13 (and looks like it was signed by Elmo). And the right side has a date of 12/19/2013 stamped on it. The next to last page has a date of 10/09/13, and the last page has a date of 10/24/13. If I have a limited amount of time to reply, what the f*** took so long to get it to me?     2) One page says I haven't paid my HOA fees since March of 2012. I still receipts and check stubs that proves 100% that I paid them after that date.           3) I still have the original HOA bill in my hand stating that the payment deadline is today.
4) How the h**l do their fees come up to over $7100? Any info ftom you all would be very helpful.

It's collectors like you that piss me off! Don't act all high and mighty like you've never seen hard times! You idiots should know if we had the money to pay the stupid bill we'd freaking pay it just to shut ppl like you up! Guess what a$$hole, your crappy attitude and the way you treat ppl only makes you look like an inconsiderate a$$ and no one is going to want to arrange any kind of payment with you!