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Bay Area Credit Service

Bay Area Credit Service review: Fraud and scam 56

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Author of the review
5:24 am EDT
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I fully agree that this "company" is a joke. They called my house 3 tmes in succession within 30 minutes. I informed them that I am well versed in the FDCPA ( Fair Debt Collection Practices Act) and that what they are doing is in direct violation. And the guy just kept on taking. I then informed him that I was recording the telephone coversation ( in Texas it is not required that you inform anyone that you are recording the conversation when the call is made to a residence from a business.) Anyhow, I requested that they validate the debt with a statement or the final bill from their client. Needless to say that got me any further. So, I notified them in writing via fax and U.S. Postal that tey are to cease and desist from any further telephonic communication at any telephone number in my name. After being passed around from one fake American Name to another I finally told them they needed to read the FDCPA and learn how to use it.

I understand that these are highly educated people i very menial positions working for some blood sucking sump pump somewhere taking advantage of their family situation or whatever, but that gives them absolutely no right to think, believe that they can intimidate people into paying them any money.

We also found out that you can contact the company that they claim you have an account with. If that company still has record of the account, you can take care of the account with that company. What this does is cuts the collection agent out of the funds and you have this removed from your credit record and your account paid in full.

I actually have found it to be somewhat exhilerating exercise jousting with these agencies at times. It is really fun when you have the codes sitting right there in front of you and they can't dispute that you have busted them breaking the law.

Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

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56 comments
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Joseph Enterprises
, US
Aug 24, 2022 12:29 pm EDT

I did ask for proof they didn't send me anything it's a scan BAY AREA CREDIT SERVICE

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Chardai Everett
, US
Oct 29, 2016 1:17 pm EDT

Question..are we all here because of a ambulance bill? If thats the case well...intresting. Id think its funny the hospital is using this particular agency regarding ambulance bills. Suspicious. I already have my lawyer's looking at it. Yes i can afford them. Yes i can pay my bill. Im making sure its all legit before i drop 2000 on some F rated company.

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Mr.Stark
, US
Mar 27, 2016 1:07 am EDT

I appriciate you have a good knowledge of FDCPA, but if you will pay your bills on time you will never get such calls, I understand it happens sometime where we really strugle for money but in that situation you must contact the real creditor and should inform them about you hardship time and I am sure they never send your name to collection agencies.

If you still dont understand then let me give you an example

Assume you are in hotel and you had havily dinner and when bill arrived you dont have sufficient funds to pay it. You promised to owner that you will pay him as soon as you have money and then you never returned to that place. So there is no other option for that owner to hire some third party to recover that debt.

Most of the times your bills lands to collections because creditor might wont have your current information, like might he dont have your phone number, address or other stuffs

If you really respect your law or you really a honest man call that creditor and share your problem with them and I am sure they will help you

Always make sure that you call them before it go to collections.

Escapers will always complaint about collections activities

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Sexiimom
Hollywood fl, US
Mar 27, 2015 11:55 am EDT

these people are a FRAUD
they called asking for my son whos a minor and they wanted me to give them his S.S # of course i didnt. I asked them what was the company name and they said once i provide them with the S.S # they would tell me so i said no they hung up. I called again and they still wouldnt give me the company name unless they spoke to my son so i told them they where a FRAUD company not to ever call my phone again... this is the # that called my son on my phone number [protected]
please dont ever give out your personal info to them or none

thank you
Sexiimom

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mslovelylade
Raleigh, US
Jan 23, 2015 3:25 pm EST

I too, been receiving calls I finally answered today it was a male representative who stated he was as calling on behalf of Bay Area Credit Service. I asked him who he was; he said his name so quickly & repeated to say calling on behalf of BACS regarding an important matter for and stated my name. I at this point acknowledge myself asking him who he was again. He than reverts to what sounds like a heavy Middle Eastern/Indian accent, when he would say his name. Otherwise when addressing me he accent seemed to quickly fade more and more. I asked his name again, He repeated his name again so quickly with this sudden on take of this strong accent while than turning a little testy raising his voice a bit saying As I said (mind you losing the accent so much so he nearly sounded American) I'm calling on behalf of BACS. I was so frustrated I still could not understand his name. This is pretty bad as I am an IT CSC Help Desk Analyst and speak to people all over the country Mon-Fri, eight + hours a day. I take great pride in providing our Clients with great Customer Support while handling my calls. I've learned to have great patience in communicating with others and being able understand whomever I am speaking too; So long as we are both speaking English regardless how choppy it is I pride myself in first close resolutions and great customer service! So this was my first red flag. So he than proceeds to ask me to very my address and goes rambling off with an address and asked if it were mine. My response to him was I'm sorry who are you calling on behalf of he began to repeat BACS I stopped him and said; "NO, You said you were with BACS a credit company calling me in regards to an important matter. I take that to mean you are calling in regards to attempt to collect a possible debt. You are debt collector. I have acknowledged who I am and verified that you've reached who you asked for. Now if this is regarding a debt that is due and you are the collection agency attempting to collect that debt. My question to you is; Who is the third party you are calling on behalf of? I don't know who BACS is and will not provide any further information until I know who your attempting to collect a debt for!" He responded. So your not going to verify and again repeated the address; I than got a bit testy myself and raised my voice a little and was very stern with my words. I told you I verified who I am, if you can't tell me who the Creditor is claiming to be owed I can't verify anything and better yet lose my number, put me on on your DNC list and remove me from your database and don't call me again! I ended the call and that was that; but I need to and will followup and check my credit just to be certain after reading some of these stories. The # they are calling me from is [protected] and reads as a # listed in the United States.

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superangry1766
St. Clair Shores, US
Dec 10, 2014 9:25 am EST

I just had a run in with them this morning. I had an issue with my previous AT&T bill, they had charged me for equipment that I returned. I finally spoke with AT&T directly and they were able to locate my tracking number for the equipment that I returned and told me that the credit would be put on my account within 7-10 business days and to ignore the calls from Bay Area. Well, they call me EVERY day when I'm at work and I obviously cannot answer. I finally had enough today and took the call. After I explained to them that I would like an updated bill with the equipment charge taken off she refused to send me the paperwork. So, her A-hole boss gets on the phone who has also called me before and he was refusing to send me the paperwork. He said and I quote "thats not going to happen over night". So I told him, well I'm not paying you a dime until I see my updated bill. Apparently my debt is still with AT&T, so I am going to pay it directly with them. I had to cancel my service because of a financial hardship and LOVED my service with AT&T, however, the debt collector that they have chosen to represent their company has left a bad taste in my mouth. It is absolutely terrible to harass someone the way that they have. Its only been a couple of months since I canceled my service. Bay Area is rude, disrespectful, and does not comply with any request you ask of them. We should be entitled to see a FINAL bill before paying anything to them. I have never in my life dealt with such a rude company. I'm surprised that they are successful at all collecting anything from anyone. Ridiculous!

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Notagameplayer
Milwaukee, US
Dec 06, 2014 2:11 am EST

Nahhh they can't possibly be scammers especially when I try to access their website through DIFFERENT Internet Providers for each provider service to only warn me with a BIG security pop up window with the word WARNING! Plastered on it saying... THIS SITE IS ATTACKERS TRYING TO STEAL YOUR PERSONAL INFORMATION SUCH AS CREDIT CARDS NUMBERS AND PASSWORDS... Nah... See now, that tells ALL OF US that is a legit and reputable company! All the people with complaints AND the Internet Providers Security Warning Notifications are ALL LIARS and against Bay Area!

Muzzle it scammers trolls... if people are posting their experiences with you here then that means we aren't stupid and we are on to your shenanigans. Which means your reply comments mean nothing and only validate that you work or own the company and that you are a scamming jerk!

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othe rcompler
brooklyn, US
Apr 04, 2014 4:07 am EDT

really. fing third wrld animalsharassing me? ndian cucker who says his name is jacob white. they are a legimate busness than sa ur ral name on phone and what debt is for. in 25years not one fing agency has ever collected a dime fom me cus i am smartet than them.

i eat these pigs for breakfast. cease and desost. put on my credit report. who cars. they get nothing and i win every time cus no 3rd world animl ever gonna be.

its time usa says enough and disposes of all pigs and thros them back wher they came from with their ilegal green cards. lets turn this country bac to the good ole days

land of dixie

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inyourbestinterest
, US
Jan 24, 2014 11:28 am EST

Keep getting voip callers from a company "bay area collections" saying that old medical bill isn't paid. That if it isn't resolved immediately they will report you and say you are not willing to resolve the bill. After being extremely rude to me and saying i was being rude. I informed the (Obviously not using his correct name) guy i was talking to that i would call the provider to find out why the bill isn't paid. He replied that if i didn't provide financial information that he would write that i was not willing to pay the bill. I again told him. On your recording make sure you get this. I am calling the provider to find out the status of this bill, not that i'm not willing to resolve it. Have a nice day. Then i hung up. I call the provider. Guess what. . The bills were paid over a month ago! I asked them to send me a statement of "zero" balance in the mail and a copy of the bill that was paid. This is a good idea. I then called the company back to inform them that there is no bill owed. I gave the name of the person and the number they are calling. . He laughed and placed me on hold. After being placed on hold for 30 mins. I hung up and recalled the number and gave them the same info. Before he could place me on hold (Which i allowed before) then provided the original company's billing person name and number that could verify there was no bill owed. He told me i was rude and he wasn't calling anyone, to pay my bill. He wanted financial information. . . Not me!M lesson to all. . . Do not provide any financial information to anyone over the phone, my bill was paid. . This is obviously someone trying to steal information from you and commit fraud. Be careful! I do realize collectors have a job to do, however make sure it's a legitimate collector and you actually owe a bill. Make arrangements with the original provider or get a number directly from them. Do not give any information to some rude person calling trying to bully you into financial information! It may cost you more than a terrible day!

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Elle Pepper
Fresno, US
Jan 12, 2014 12:15 am EST

I just noticed that their business hours and phone number are different than those given by the company. I think BACS is valid and legal but they themselves may have been scammed. Someone not affiliated with them is calling I think. The number they use is different and the business hours are insane not to mention being called on a day when they are closed.

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citizen1696
, US
Dec 03, 2013 9:41 am EST

Please don't listen to people telling you to pay, they are just the people who have been scammed and don't want to admit it, or they work for this fraudulent company. As the DA of Indianapolis I can assure you that we are currently investigating this problem however these companies are located outside of United States jurisdiction, which is unfortunately why these companies continue to get away with this.

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Diane626
, US
Jul 18, 2013 8:20 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I received a call from this company this morning at 8:49 AM. They stated that I am in collections with my AT&T account dating back to February, , which, by the way, was paid yesterday and did not note any past due amount. One would think I would have been turned off by now if I had not paid for the bill in February. I researched the company after the call and will take action against them for attempted theft.

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Clay Ferguson
, US
May 16, 2013 3:46 pm EDT

They are also billing me supposedly for an unpaid AT&T Mobility bill. I have paid every bill I've ever gotten from AT&T in full and on time. Bay Area Credit service is definitely a scam of some kind. They just contact people and ask for money. If you try to ask for details about why you were never billed by the original company you supposedly owe money, they claim they can't answer that because they are just the 'collections agent' and know nothing except that you now owe them money.

Anyone know what legal organization to report them to ? Better Business Bureau?

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D Palmer
Lexington, US
May 09, 2013 1:47 pm EDT

Bay Area has contacted me and I'm actually reasonably sure that the account is valid, but I can't get written confirmation of the account from them. They've called me multiple times and have told me that they have mailed something and it should be at my house in a (few) days. One of the representatives (Mr. Jackson) and his supervisor (also Mr. Jackson) have offered to send emails, which is fine, and have told me to expect the emails in 6 - 8 days. A process that should take minutes. No emails have arrived. After the email promise, a supervisor named Norman told me that they did not send emails, but when I talked with him again the next week he said that they had sent me emails. They keep asking what else I need to settle the debt, and keep telling them written verification of the debt and they keep telling me they sent it. So I filed a complaint with the USPS stating simply that Bay Area in Atlanta was claiming that it was sending me first class mail and I wasn't receiving it. (The postal service customer service rep was very helpful and also doubtful that they were sending it at all.) USPS gave me a tracking number for the account and I gave it to Bay Area and instructed them to contact the USPS if the "delivery failure" continues so that the letters can be tracked on both ends. I have also suggested to Bay Area that they send the letters registered mail, postage-due, which will not cost them a penny. But I've gotten a lot of excuses about why they can't do it.

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TessaB
Havelock, US
Mar 12, 2013 7:14 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I just received a phone call saying I owed 200 and some odd dollars for an emergency room visit 2 over 2 years ago. I know that is not possible bc I lived 10 hours away from the hospital they said that I owed! The lady wanted my SS # on the phone and I immediately knew this was very fishy. I took down her info and I'm getting this figured out tomorrow!

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S.lo
, US
Mar 02, 2013 1:48 am EST

I was in an accident and the other persons car insurance was supposed to pick up the bills.
First the hospital did not send the bill to the insurance.
Second the insurance did not call me to say "hey I never received it have you?".
When I finally found out I sent it and get calls from this Bay Area Credit.
I finally answered at work and I'll admit I was rude. I'm sorry, but nobody was giving me a chance to speak and I sure wasn't going to accept that when I don't owe them. I tried explaining, but he kept talking over me. I think I'll call the insurance and then if the calls keep up I will try to talk to a manager to clear it up because I'm trying to build my credit.

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Truckma2013
Linwood, US
Feb 16, 2013 2:39 pm EST

Wow, I see that this Bay Area Credit service is a big scam. I received a letter from them referring to some Emergency room that I have not been to and never received a bill from, but now it's in collections! After repeated calls and asking them several times to give me the information on this supposed company I owe, I was insulted. They have yet to tell me any info on this supposed company. I wonder how many people they have scammed? I'm going to do everything I can to get to the bottom of this, and stop these con artist.

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don't trust bay credit
Rock Island, US
Dec 12, 2012 11:53 am EST

Bay area credit has been calling me saying i need to pay $190 for my old att bill. I finally got this bill (which was only $45) and paid it. They keep calling and telling me I have to pay it, which i just hung up on them. The last call that i got from them (yesterday) they said the same thing and I told them i payed it and the bill was only $45 dollars, they hung up on me. I don't think they are a truthful organization.

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BE 4 REAL
Indianapolis, US
Dec 03, 2012 7:07 am EST

I just so happened to answer my home phone Saturday and there was an Issac from the Bay Area Credit Service on the other line saying that my AT&T Uverse account was up for collection. According to him it was a service that was opened in June of 2012 and the address he gave me was not my address. I informed him that 1) I do have an account which I have ahd since the inception of U-Verse 2) the address that he gave me is not a residential address here in Indianapolis and not mine and 3) that my payment for this service is automatically withdrawn from my account. I called AT&T and told them about the situation, they informed me that my account is in good standing and current, which I already knew. They asked me if I had the account number in which this Issac was calling about, I did not but I called BASC back and got the ccount number.I called AT&T back gave them the account number and was informed that the account belongs to a person (man) that lives in Illinois that has nothing to do with my account. Now tell me how could a company get my name and home number here in Indianapolis mixed up with a person (man) who lives in Illinois but has an address associated with the account number in Indianapolis under my name. I have yet to finish dealing with them and believe me when I get finished with them they are going to wish that they had never dialed my number.

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joshua_07
, IN
Sep 21, 2012 11:00 pm EDT

bay area credit services is a legitimate company, and i understand the people's dilemma about the way things are handled in bay area credit services. but there is always a story on the other side. U need to comply with the rules and regulations. That's what bay area credit services do.

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In connecticut
, US
Sep 10, 2012 10:05 am EDT

I called Bay Area after viewing fraudulent credit added to there collections via credit report. They will not even tell me what the debt is for, and calling back they simply hung the phone up, another call they would only speak in Spanish to me as I told them I do not speak it. I am certain that the debt they put into my credit report is not mine as I had opened no new credit accounts since having problems dating back 5 years ago. I can not even get as much credit as they say i owe.

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Azizi
Oakland, US
Aug 24, 2012 3:15 pm EDT

They have been calling me for moths now saying I own them money I have never been ambulance ever in life they call all times of night... They do have the date that I was in the hospital but my mother took me so I really don't understand what's going on.. But haven't give them info or money in I will not give em anything!

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viragse
, IN
Jun 16, 2012 10:27 am EDT

Awesome ! Charles Xaviers you said only truth

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Charles Xaviers
Pune, IN
Mar 08, 2012 11:36 pm EST

Its very interesting to see how much hate and jealousy people have in their minds now days. @Angrydaughter1 :You clearly haven't worked in collections or don't have any idea how tough this job is. I love my job and I don't care what people think or say about it. Only jobless people can complain about such things and I really fail to understand how they carry this kind of attitude knowing that they haven't paid their debts in time. @ConzGiz2541896 : First of all I would like to correct your first sentence which is not grammatically correct because its not ' do respect ' its ' due respect '. That itself explains how good your language is Mr.American. Its no use being racist or abusive because that shows nothing but your own frustration and frankly speaking it doesn't even matter because there is nothing we lose.In fact we debt collectors really enjoy people like these who at first place don't pay their debts and when their credit gets affected call us and beg for settlements. People just have misconceptions about debt collectors and debt collection agencies. I can bet on it almost 90% of the people who have posted their comment on this site still have a bad credit. On the other hand there are people who are honest and genuine. They don't have money to buy food but they make sure that they pay their debts even if its little by little. I have total respect for such kind of people who are genuine and give a fair reason as to why they can't pay their debts. An individual deserves to be treated with respect and dignity. An individual who is racist can never understand that statement. I don't mean any kind of disrespect but if people like these are not answered this issue will never be over. Waiting to see some comments which show dignity, respect and last but not the least ' common sense '.

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ConzGiz2541896
Solomons, US
Jan 17, 2012 3:51 pm EST

I just happened to receive this nice phone call from Bay Credit Area Service, on a Sunday afternoon at my family's place, it was not even my phone, and with all do respect you should know a little more about professional ethics. This person was extremely rude not allowing me to talk and he just kept on talking and talking like if he was practicing conversational English, which by the way, it may be the case since he sounded so foreign to me, and according to him, his name was Mike, how interesting. He was trying one way or the other to get my personal information over the phone and by telling me that I was in such a trouble and that this will carry so many different problems on my credit, that I didn't understand the seriousness of the issue, etc, etc. Look, if I owe something all I need to know is how much I owe, the detail of the charges and official paperwork detailing the issue. Here in the US we carry transactions in the following manner: First, contact people on regular business hours, and on a formal manner, not just a random call making us to disclose every piece of our personal information, Second provide a time span of time in which a reply should be made in writing and with official signatures, not like you need to pay now or else and Third, review your records carefully before contacting people, you don't know if the person you're contacting is the correct person, and by the above posts this seems to be the case often times. @ Charles Xaviers and whoever else that work there, please be courteous with people if you want to be treated with respect, nobody likes to sit for half hour listening at somebody you don't even know telling you why you are such a bad person (sort of speak) and that you are in trouble and that you have to pay now and all of that, time is money in the US and you should know that as well, just be concise and well versed and go to the point of the issue don't go around in circles saying the same thing over and over, and don't be disrespectful with people using insulting words will not lead you anywhere with Americans...

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Angrydaughter1
Ventura, US
Oct 10, 2011 12:44 am EDT
Verified customer This comment was posted by a verified customer. Learn more

If YOU have incorrect information to begin with, then how is it that WE as consumers are wrong for feeling HARRASSED to the point of inconveniencing US where we have to mow take the.time to BLOCK numbers, record the swearing, threatenIng idiots who call US, and take OUR TIME TO REPORT TO CORRECT AUTHORITIES? I believe YOU.VE had a phone.to your ear much too long! It's affected your thinking like a human being instead of the SLAVE ROBOT you have now clearly become! Poor thing. There ARE jobs out there that will allow you to maintain any integrity you MAY have left!

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Charles Xaviers
Pune, IN
Oct 09, 2011 3:28 pm EDT

See its the legal rules that tell us not to disclose any personal information over the phone without a verbal authorization or some legal proof.Lets put it this way would you like if a collection agency discusses your personal information with someone else without any kind of authorization from you or any proof ? We try to protect an individual's rights and that is where we get to hear ### from people.Now the reason for the person getting aggravated who is calling you would be you not being co-operative with him or understanding him what he is trying to say.The problem with you guys is that you just want a reason to blame and think that you are right.The government isn't a fool to give license to BACS for collections.Its time for people to change their thinking and be nice and understanding.That's when we can have peace in this world.

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Angrydaughter1
Ventura, US
Sep 23, 2011 11:58 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Someone just called, harrassing about some bill that my 90 year old mother supposedly owes, they wanted to speak to her, after telling them I hold power of attorney but could guarantee that she owes zero bills! They insisted, so I told them, nicely, that they would now be blocked from calling our number and that they have the incorrect information. He was still screaming while I hung up!

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Looking4hopechange
Fayetteville, US
Aug 24, 2011 9:45 pm EDT

Sean wright: it is obvious you work for the company, just come clean! Please, do yourself a favor and learn how to spell. How can there be racial discrimination over the phone? I just got a phone call from one of your people, Ricky Wright, and he was horribly rude. He demanded cell phone numbers, but refused to tell me the nature of the business. I won't give that information over the phone, and you shouldn't ask for it. I don't know if it is a legitimate business. I do know, it is not a professional one.

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joanna1
san pablo, US
Jul 12, 2011 7:37 am EDT

the same thing happened to me and i have medi-cal insurance so my insurance needs but my them but i think that info is false and they need to be shut down for screwing up peoples credit

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AMR SUCKS ASS
Santa Ana Heights, US
Apr 27, 2011 11:55 pm EDT

This company is crazy. They think that if they offer you a lower price on a debt you dont owe, your just gonna pay it. To start, the employees have no idea what they are doing and are most likely reading off the screen in front of them for $8.00 an hour. DO NOT give them any of your personal information when they ask. Call AMR and talk to them directly. Those idiot's at AMR failed to write down my home address and medical ID correctly and then after two months sent me to collections. Funny how everyone else got paid except for AMR becasue they are idiots. The dealing with the ###s at teh collection agency was a blast. They had no idea what they were talking about and just flat out lied!

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mcbc
, US
Dec 13, 2010 10:24 pm EST

I have been getting phone calls 3 times a day every day for the last 2 months. I don't answer because I didn't know who they were. I called back just to get a name and lo and behold it eas Bay Area credit services. I have a phone number that was owned by someone else prior to me getting it and have had callers from other collection agencies call to collect some bill from someone i had never heard of. i told them I was not this person and to stop calling me. They didn't and now it seems they have given it to these people. They don't even leave a message. I have no credit issues whatsoever and am getting tired of seeing this number pop up everyday

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licia miles
Sacramento, US
Oct 19, 2010 4:02 pm EDT

acount# [protected] hi my name is alicia miles and im leting you no that i never had an at&t servies whith you and i would love if you can take that off my name thank you alicia miles

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S Knollton
San Jose, US
Sep 24, 2010 11:04 pm EDT

For several days, I have received calls from a man from this company. His name is Robert-- he sounds like he's from India. He keeps calling--he is very aggressive-- and says I owe $525 for ambulance services in 2008. I have repeatedly told him I am not the person they are looking for (could it be a previous cell phone owner). ? Finally, I read up on these bill collectors.. if you ask for their name and address and phone number, then ask for all communication from now on to be by mail, then they are not allowed to call you again. You should report this company to your local DA. Many in the Bay Area have a consumer protection division.

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notbybreadalone
Beverly Hills, US
Sep 13, 2010 7:58 pm EDT

Bay Area Credit has several LEGAL actions against them for unscrupulous and unlawful collection practices. There are laws set into place and one of them is you cannot call a debtor names nor can you threaten them. They were handling collections for AT&T. I had an account with them for 7 years! 7 years! 3 cellphones and an air card for my laptop. I moved across the country and in my new home, service was non-existent. AT&T suggested I get a new phone and SIM card. So I did, this put me in a new 2 year contract. Guess what? Still no service. So I canceled and went with another company. No problems until AT&T decided to charge me a cancellation fee. No way Jose, you can't give me service (according to a rep for AT&T it's because my town won't let them put up any more cell towers, and this is MY fault?) then I can't keep paying you!
Next thing I know I'm getting calls me from Bay Area Credit. The first woman was nice and understanding. Then the second one was nasty, started screaming at me at one point when I was trying to explain the situation to her. The third one was some guy name Anthony, who sounded like some little thug. When he said "You won't pay this cuz you're a deadbeat and a loser", I just laughed at him...and asked him to "repeat that", (while I turned on my recorder), the idiot did, and I said "thank you, have a nice day". I contacted a consumer's rights lawyer, we are settling for damages as I write this, and Anthony was fired.
I worked in collections, and it's a God-awful job, I know. But if you can't handle it, don't do it! If you can't understand that while there are "deadbeats and losers" out there, there are also hard working people who have fallen on hard times and there is no money to pay the creditors. The banks got help from the government, where is the help for the consumers?
Any collection agency that willingly hires an [censor]*ole to make these calls should have their business licenses yanked. They buy these debts from companies for pennies on the dollar, they want to make as much as they can, this is why they harrass. What they don't realize (cuz, again, they're idiots) is that they're not going to get their money by harassing and threatening, most people will hang up or hire an attorney.
Best thing to do when a collection agency bothers you? Send them a letter "firing" them. Tell them their services are no longer needed and that you will deal directly with the original creditor. They have to leave you alone, by law.
Good luck!

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Charles Xaviers
Pune, IN
Jun 26, 2010 6:16 am EDT

You ever heard of something called 'WRONG NUMBER'.What if your are calling a number for a particular person and you don't know its a wrong number, the person on the other side either abuses you or doesn't pick up the phone how would you feel? Only if the person once picks up the phone and a tells the other person that its a wrong number then wouldn't it be much easier than nt picking up the phone everytime and blaming the person who is calling him.So next time do that better than posting crap like this.

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screen
Savannah, US
Jun 23, 2010 10:48 am EDT

This has all been very interesting. First of all, of you are going to post something accusatory and confrontational, it would be helpful to use correct English so people can actually understand what you are trying to say. Second, I just received a call from this company, but was unable to answer the phone, I know for a fact that I do not owe for anything. I have no credit cards, no mortgage, only utilities, rent and a car payment. Why this company is calling me is beyond me!

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Charles Xaviers
Pune, IN
Jun 23, 2010 4:58 am EDT

This creep here is another one of those [censor] who cant pay their bills but just love to talk( Yap ! yap ! yap !.).So dude if you dont have the money to pay your bills atleast dont come here and post your s****y comments.So next time pay your debts first then talk abt Debt collectors or Debt Colection agencies.Cya losser !

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Dave Grant
Kent, US
Jun 14, 2010 9:08 pm EDT

Sean- 5781- Charles,

You must bill collectors or work for this company or obviously you have never dealt with this agentcy they are rude and their word is not trustworthy.
Ihave dealt with other Collectors in the past but this company takes the cake and advatage at that.
There other ways to collect a debt without resorting to being nasty and unscrupulous.
You may think that this is some act of nature on their part and that they are deserving. Your Charity toward them is a joke Especially when the Ambulance company such as AMR charges $40 to $75.00 a mile depending on where you live and that's just for travel service not the cost of treating you.
So tell me oh compassionate ones who are the real crooks I know you know the answer. If we are all dead beats then its because the Ambulance companies forced people to be that way because of thier predatory charging.
People would be more willing to pay if their bill was more fair and affordable.
Go ahead and keep kissing thier [censor] with your comments. As for me I have had enough of them and their loan shark tactics they are not getting squat from me no longer

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Charles Xaviers
Pune, IN
May 27, 2010 3:08 am EDT

Bay area credit service is a legitimate collection agency. How do you guys think they have been in this business for about moe than 20 years. Why should their collectors be blamed. Now they do thier job and do it as per the fdcpa. And for people who crib about not getting a bill its just a waste of time and more of an excuse for them not to pay the bill because obviously these guys dont have a single penny in thier pockets.

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