952-215-3684

On my phone, I've got the whole "Edit Contact" thing where you can assign phone numbers their own ringtones. This company is now the proud bearer of the "Silent" ringtone.

:)

This guy Chris Cambell from CPC had the nerve to call my Neighbor. My Neighbor said he did'nt know what he wanted but I think he does. Now my neighbor probly thinks things about me. I don't really even talk to them except we wave to each other. CPC are low down!

this is not a collection agency - this is a debt buyer. Beware.

Has your evening or weekend been disrupted by a call from a telemarketer? If so, you’re not alone. The Federal Communications Commission (FCC) has been receiving complaints in increasing numbers from consumers throughout the nation about unwanted and uninvited calls to their homes from telemarketers.

Pursuant to its authority under the Telephone Consumer Protection Act (TCPA), the FCC established, together with the Federal Trade Commission (FTC), a national Do-Not-Call Registry. The registry is nationwide in scope, applies to all telemarketers (with the exception of certain non-profit organizations), and covers both interstate and intrastate telemarketing calls. Commercial telemarketers are not allowed to call you if your number is on the registry, subject to certain exceptions. As a result, consumers can, if they choose, reduce the number of unwanted phone calls to their homes.

Do-Not-Call Registry

You can register your phone numbers for free, and they will remain on the list until you remove them or discontinue service – there is no need to re-register numbers.

The Do-Not-Call registry does not prevent all unwanted calls. It does not cover the following:
calls from organizations with which you have established a business relationship;
calls for which you have given prior written permission;
calls which are not commercial or do not include unsolicited advertisements;
calls by or on behalf of tax-exempt non-profit organizations.

Subscribers may register their residential telephone number, including wireless numbers, on the national Do-Not-Call registry by telephone or by Internet at no cost.

Consumers can register on-line for the national do-not-call registry by going to www.donotcall.gov. To register by telephone, consumers may call 1-888-382-1222: for TTY call 1-866-290-4236.  You must call from the phone number you wish to register.

For Consumers:

Subscribers may register their residential telephone number, including wireless numbers, on the national Do-Not-Call registry by telephone or by Internet at no cost.

Consumers can register on-line for the national do-not-call registry by going to www.donotcall.gov. To register by telephone, consumers may call 1-888-382-1222: for TTY call 1-866-290-4236.  You must call from the phone number you wish to register.  

Related Rules

In addition to the establishment of a national Do-Not-Call Registry, there are other amendments to the Commission's rules implementing the TCPA that may reduce the number of telemarketing calls to your home:

If you subscribe to CALLER ID, you should know when a telemarketer is calling you: telemarketers are required to transmit Caller ID information and may not block their numbers.

Telemarketers must ensure that predictive dialers abandon no more than three percent of all calls placed and answered by a person. A call will be considered "abandoned" if it is not transferred to a live sales agent within two seconds of the recipient's greeting. As a result, you are less likely to run to answer the phone only to find silence or the "click" of the calling party disconnecting the line.

In addition to these changes the rules provide:

Telephone solicitation calls to your home before 8 am or after 9 pm are prohibited.

Anyone making a telephone solicitation call to your home must provide his/her name, the name of the entity on whose behalf the call is being made, and a telephone number or address at which you may contact that entity.

Company-specific do-not-call lists are available to consumers who wish to avoid telemarketing calls only from specific companies. For more information see our Unwanted Telephone Marketing Calls Factsheet

How to Complain

Filing a Do-Not-Call Complaint

In addition to complaints alleging violations of the national do-not-call list, you may also file a complaint against a telemarketer who is calling for a commercial purpose (e.g., not charitable organizations) IF:  The telemarketer calls before 8 AM or after 9 PM; OR
The telemarketer leaves a message, but fails to leave a phone number that you can call to sign up for their company specific do-not-call list; OR You receive a telemarketing call from a company that you have previously requested not call you; OR The telemarketing firm fails to identify itself; OR
You receive a pre-recorded commercial message from someone with whom you do not have an established business relationship and to whom you have not given permission to call you.

As millions of Americans have fallen behind on paying their bills, debt collection law firms have been clogging courtrooms with lawsuits seeking repayment.
Few have been as prolific as Cohen & Slamowitz, a Woodbury, N.Y., firm that has specialized in debt collection for nearly two decades. The firm has been filing roughly 80,000 lawsuits a year.
With just 14 lawyers on staff, that works out to more than 5,700 cases per lawyer.
How is that possible?
The answer to that question is at the heart of a growing debate over the increasing use of the nation’s legal system to collect on bad debts.
Like many other firms, Cohen & Slamowitz relies on computer software to help prepare its cases. While many of the cases represent legitimate claims, critics say the lawsuits are too often based on inaccurate or incomplete information about the debtor or the amount owed.
Already, some state legislators and judges have tried to crack down on collection lawsuits, and on Monday, the Federal Trade Commission weighed in, saying the system for resolving disputes over consumer debts was broken and in need of “significant reforms.”
The commission, which says debt collection is its top consumer complaint, proposed that states require collectors to include more information about debts in their lawsuits, including a breakdown of the current balance by principal, interest and fees, and the relevant terms of the original credit contract, if not the contract itself.
The agency also urged states to adopt measures to make it more likely that consumers would show up in court to defend themselves; currently, most do not, resulting in default judgments.
“We are pushing very hard to make certain that debt collectors have sufficient substantiation, particularly when a consumer challenges the debt,” said David Vladeck, director of the commission’s Bureau of Consumer Protection.
The commission, which has limited authority to write debt collection rules, urged states to take action because most collection cases are filed in state courts.
The litigation boom has been propelled by fundamental changes in the way debts are collected, particularly for credit cards. In recent years, credit card companies have increasingly sold off debt they have considered uncollectible to debt buyers, usually for 5 cents or less on the dollar.
The debt buyers, in turn, may try to collect the debt themselves using traditional practices like sending letters or making phone calls to a consumer to try to arrange a payment plan. Increasingly, they are choosing to sue instead.
Collection law firms are able to handle such large volumes of cases because computer software automates much of their work. Typically, a debt buyer sends a law firm an electronic database that contains various data about consumers, including name, home address, the outstanding balance, the date of default and whether interest is still accruing on the account.
Once the data is obtained by a law firm, software like Collection-Master from a company called Commercial Legal Software can “take a file and run it through the entire legal system automatically,” including sending out collection letters, summonses and lawsuits, said Nicholas D. Arcaro, vice president for sales and marketing at the company.
No group has definitive statistics on debt collection lawsuits, but federal regulators, collection lawyers and judges say the numbers have increased and are straining the court system.
Most consumers fail to show up in court, and those who do rarely have a lawyer. A court judgment gives debt buyers the ability to collect on the debt through actions like wage or property garnishment.
“What they are hoping to recover is the full dollar on some of it,” said Robert J. Hobbs, deputy director of the National Consumer Law Center, an advocacy group. “On most of it, they are hoping to recover 40 or 50 cents on the dollar. And they are hoping to do it with as little work as they can.”
Critics say the business model for some debt buyers and law firms relies on such huge volumes of legal actions that mistakes and abuses are inevitable, in part because the lawsuits are often based on little more than a defendant’s name, address and alleged balance.
“It’s the factory approach to practicing law,” said Richard Rubin, a New Mexico lawyer who represents consumers against debt collectors.
Lawsuits are sometimes filed against the wrong people, critics say. Other times, they say, the amount owed is incorrect or includes questionable fees and interest that has been added to the balance.
In addition, it is not always clear if the debt buyer filing suit legally owns the debt, since debt portfolios are often sold several times.
Some collection lawyers complain that new requirements being imposed are holding them to higher standards than even the original creditors.
“In actuality, it’s impossible to comply with,” said Pedro Zabala, a North Carolina lawyer, speaking of a law passed last fall that requires more documentation to file suit.
Fred N. Blitt, the president of the National Association of Retail Collection Attorneys, which represents more than 700 law firms, said the increase in collection cases was an inevitable result of the huge number of people who are not paying their bills. Given the volume of cases, Mr. Blitt maintained that mistakes were few.
“The reality is, if people owe the money, they should pay it,” he said.
Cohen & Slamowitz declined to be interviewed for this article. In a 2009 deposition for a case accusing Cohen & Slamowitz of pursuing a debt that had already been paid, a partner at the firm, David A. Cohen, said the firm had 14 lawyers, though it also hired numerous outside lawyers to appear in court on a per diem basis. It also employed 30 to 40 legal secretaries and paralegals and about 60 people trying to collect debts, he said.
The firm filed 59,708 cases in 2005, 83,665 in 2006, 87,877 in 2007 and 80,873 in 2008, records from the lawsuit show.
As the case load has increased, some state legislators and judges have started to demand more information on the debt.
In addition to the new law in North Carolina, which requires third-party debt collectors to provide more proof of the debt, like an itemization of charges and fees, some local judges are challenging lawyers who are not prepared to back up their claims.
At a civil court hearing in Brooklyn in March, Judge Noach Dear demanded documents from Cohen & Slamowitz supporting its claim that Herman Johnson of Brooklyn owed $3,797.27 in credit card debt. Mr. Johnson disputed the claim.
“What proof did you have that this is the true gentleman that you were trying to pursue?” the judge asked David Robinson, a lawyer for Cohen & Slamowitz, according to a transcript.
“Just his Social, his date of birth, and his address and the account,” Mr. Robinson said.
“That’s all you have?” the judge said. “So if you have somebody’s Social number, date of birth and address, you could sue them without any other information?”
Mr. Johnson’s case was dismissed, and Judge Dear last month issued an order requiring, among other things, that Cohen & Slamowitz provide further proof of a debt if a defendant challenged the firm’s claim.
In an interview, Judge Dear said he did not think the order would necessarily result in a large drop-off in lawsuits. But, he said, given Cohen & Slamowitz’s size, he hoped it would persuade other law firms to follow suit.
“I think personally it will weed out the cases that are no good, and then we’ll get the defendants that truly do owe a debt,” he said.

No message

NO MESSAGE

I am not Madgie or Madge Coins, Goins or Conis. Please stop calling me. You have the wrong number. I am not related to this person, I do not know this person, and I do not know anyone who knows this person.
The only thing I have in common with this person is we both have an 'A' in our name.
She gave you a fake number which is my real number. Stop calling me, I am the wrong person. I have flawless credit and zero debt.

Old Debts That Won’t Die
http://www.nytimes.com/2010/07/31/business/31 ... d%20debt&st=cse

Automated Debt-Collection Lawsuits Engulf Courts
http://www.nytimes.com/2010/07/13/business/13 ... f=andrew_martin

I am not Madgie or Madge Coins, Goins or Conis. Please stop calling me. You have the wrong number. I am not related to this person, I do not know this person, and I do not know anyone who knows this person.
The only thing I have in common with this person is we both have an 'A' in our name.
She gave you a fake number which is my real number. Stop calling me, I am the wrong person. I have flawless credit and zero debt.

Old Debts That Won’t Die
http://www.nytimes.com/2010/07/31/business/31 ... d%20debt&st=cse

Automated Debt-Collection Lawsuits Engulf Courts
http://www.nytimes.com/2010/07/13/business/13 ... f=andrew_martin

i too have had words with these people. they are very rude. i called right back and asked to speak to a manager and she was very rude too. i didn't know you could sue for harrassment from them. i'll have to look into that...

They call our number every single day but never get an answer because we don't actually have a phone hooked up in the house - caller ID on TV. I just wonder how long they will call if they never get an answer.

If you’re receiving calls for a debt you don’t owe, it could be a case of mistaken identity. Perhaps you share the same name, or even inherited an old phone number of the person who actually owes the debt.
You could also be the victim of zombie debt - it could be that you paid the original debt off but it wasn’t recorded as paid, or the statute of limitations on the debt has expired and the debt collector is trying to get you to pay for a debt you can no longer be taken to court over.
A final common cause of being hounded for a debt you don’t owe is fraud. It could be that you have become a victim of identity theft and someone is opening up new lines of credit or buying items using your good name. Additionally, the “debt collector” calling could actually be an identity thief who is trying to get you to divulge personal financial information such as Social Security, bank and credit card numbers.
If you’re being pursued for a debt you don’t think you owe, the BBB recommends taking the following five steps:

1. Request written proof of the debt. By law, a debt collection agency must provide you with a validation notice within five days of contacting you about the debt. If you would like to get verification of the debt, send a written request to the debt collector within 30 days after you receive the validation notice. This written proof can help you determine if the callers are actually identity thieves, or if you really do owe the debt. Once you have the name and contact information for the agency, confirm they are a legitimate debt collector with your BBB at www.bbb.org. After you confirm that you don’t owe the debt, advise the debt collector you do not owe the debt and advise them to stop contacting you (see step 4).
2. Correct any errors. After confirming you do not owe the debt, you may want to correct any incorrect submission related to the debt captured on your credit report. Contact the company that has provided the information to the reporting bureau by writing a detailed letter and include copies of pertinent documents which back your case. The FTC provides additional information on how to report errors at www.ftc.gov.
3. Weed out fraud and errors. Check your credit report with the three major credit reporting bureaus, Experian, Equifax and Transunion every year by visiting www.annualcreditreport.com. If you’ve been the victim of fraud or identity theft, you may also be eligible to view your reports for free. By keeping a close eye on your credit reports, you’ll be able to more quickly identify fraudulent activity or mistakes and make corrections before the debt collector calls.
4. Tell them to stop contacting you. According to federal law, a debt collector cannot continue to contact you - at work or home - if you tell them to stop. After confirming you do not owe the debt in question, you may cease all contact from the debt collection company by sending a letter (via certified mail) to the debt collector advising them to cease contact. Keep a copy of the letter and the return receipt for verification purposes. Any further contact to you from the debt collector except to advise you there will be no further contact, or to inform you that the agency is filing legal action, is a violation of the FDCPA.
5. File a complaint with the Federal Trade Commission. Familiarize yourself with the consumer protections provided under the Fair Debt Collection Practices Act. Included are rules that debt collectors may not make false or deceptive claims and must investigate the validity of a dispute over a debt. If a debt collector violates the law, report them to the FTC - the federal government’s agency overseeing fair debt collection practices. You should also file a complaint with your BBB at www.bbb.org.

rude call from some b---h of a dude and thats just what i called his a--!

I have asked 14 different times to stop calling my number. This person call about 5 or 6 times a day, he has the wrong person and my wife and I are very annoyed. We have heard that this person calls other people also and he asked for the same person.

These people call all hours...do not know who they are!  Once this number calls with no answer, 2 other numbers call consecutively....every time!

Confirmed- Identity theives. They got the last 4 digits of my SS# and with that, were able to immediately order pornography under my name. Luckily, I stopped it in time. Immediately report all calls to law enforcement, the state attorney general and any other law enforcement agencies you are in contact with.  Oh- and don't give them your info unless you like rank porn. Seriously, its good porn, so if you like it then talk to them!

got a call forwarded to me from this number. Didn't recognize the caller.

Got called again.  Caller ID said CPC
952-215-3684
no answer when I picked up.  Reporting them to FTC

They started calling my number asking for a person I don't know, and have never heard of. They call late at night, on the weekends, half of their message is cut off, it is a recording. British female voice, identifies CPC as a debt collection agency. I press the buttons to speak to someone and get cut off. I just want them to stop calling and get my number off their list. It is so annoying. I also signed up on the do not call registry, but they still call, don't they???