A phone call was placed to my grand parent's residence on 04/14/09 from the caller stating that they were from the Sheriffs office stating I had 2 hours to return my phone call to (866) 214-2646 before a bench warrant is issued in my name. Upon calling that number I found out it was not a sheriff's office it was Pacific Management using the sheriffs department as a threat. You have violated the FDCPA. Please refer to FDCPA-
807 (1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
Upon receiving that message I called and spoke to David Freeman @ ext 17. He advised me that my case was referred to his office regarding a credit card with a balance of $4,088.57. He stated that I received a notice at (a previous address). I advised him I had not lived at that address in an estimate of 5 years. He stated that all that they are required to do is send out a notice to the last address on file.
States that he is willing to settle this account for $2,460.72. I advised him that I could not pay that. He states that in order to stop the processing on this I will need to pay an estimate of $650.00 for the process server. He then proceeded to threaten wage garnishment, take lien on my home, or sweep my bank account which he has pulled my bank records. This is a violation of the FDCPA -
808 6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if
(A) There is no present right to possession of the property claimed as collateral through an enforceable security interest;
(B) There is no present intention to take possession of the property; or
(C) The property is exempt by law from such dispossession or disablement.
Stephanie
Gilroy, California
U.S.A.
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