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Primary Financial Services / Abhorrent collection practices

1 United States Review updated:

Primary Financial Services, LLC
3115 North 3rd Ave, Suite 112
Phoenix, AZ 85013

The debt collection practices of Primary Financial Services are abhorrent. My so called representative, Mr. Skapp, threatened litigation on behalf of Wells Fargo (who I owed in the first place), insisted that I was not capable of paying my debts after telling me what he was able to access, informed me that he will call any reference necessary to get in touch with me (which he did), constantly put words in my mouth OR twisted anything I said around to make me sound like an imbecile. Mr. Skapp is the one looking like an imbecile in my book. He's heartless. He's either an ex-con or was the short kid in class who had to become a bully to scare others into "liking" him. I'd love to run a credit report on Mr. Skapp and see if indeed all his bills are paid in a timely manner and heaven forbid, he actually has a debt. The last straw for me regarding PFS and the notorious Mr. Skapp was him laughing hysterically, calling me "Unbelievable!" and accusing me of basing my ability to pay off this debt on someone's "demise" or "life insurance". Perfect example of him putting words into my mouth. Hatefulness is beyond my scope of comprehension. What a surprise that he failed to mention the call was being recorded. Still haven't decided what I'd like to do about that. One would think, if you had the proper experience as a debt collector, that you'd be able to determine who are the down on their luck, bill paying citizens from the flakes. Mr. Skapp, I'm sure your job is quite thankless. One day, you'll have a ridiculous debt that you have to pay and someone will treat you the same way you have treated others. Hopefully you'll be able to take what you dish out.

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  • Pa
      12th of Nov, 2008
    0 Votes

    Pay ur Bill!

  • Do
      23rd of May, 2010
    0 Votes

    Been in the telecom industry, I can tell you spoofing is illegal, you can always use other resources to follow thru. You may want to contact The US attorney general, the FCC as well as the FTC. Also if this is interstate you can actually contact the FBI.

    Based on the law, they cannot contact you at your place of business. They are only legally able to contact you at your home; you can also send a stop and desist letter via certified mail.

    Record their conversation, when you speak to them if you do, many of them have no clue of the law and make drastic mistake threatening people. They can't make any statements in which they can destroy your credit, call your family, call your work and or tell everybody that you have debts and you do not pay, this is protected by the law. IN this case now you have the upper hand, as now they open the door for a lawsuit, almost any attorney will take this type of cases on contingency. Is an infringement of your rights and punish by law. This people use scare tactics to scare people and even collect many times the same debts that have been paid previously.
    The reality nothing that they can do, if you do not or can't pay, they must take you to court and get a judgment against you, then they need to be able to collect.
    You want to get even, call then day in and day out, to their numbers use redial, and have anybody that you know do the same, do it day in and day out, that will shut down their PBX system, if they do it to you do it to them.
    Yes annoying, but effective if hundreds of people do the same and saturate their phone lines.

    Here are some of the biggest scan bags in the industry, and believe me they are all scan bags at the end. They count on you to be afraid of them.

    RGS Financial
    P.O. Box 852039
    Richardson, TX 75085-2039
    RGS Financial, Inc.
    1700 Jay-Ell Drive
    Suite 200
    Richardson, TX 75081
    Call their 800 numbers is free to you but not to them.
    They use many spoof numbers if any, as many times they use no caller ID on purpose but they leave you a number to call. Always keep the recording particularly if they are menacing and report does to your police local department as now you have a legal record.
    Spoof Number used: 1310-953-3485

    Viking Collection Service, Inc.

    7500 Office Ridge Circle, Suite 100
    Eden Prairie, MN 55344Arizona
    2075 West Pinnacle Peak Road, Suite 110
    Phoenix, Arizona 85027 Spoof number use caller id Block. One of their numbers is 1800-287-5802

    Primary Financial Services also uses Collection agency services to mask there illegal practices ( (Their web site is been down for long time to be able to cover their illegal practices)
    3115 N 3rd Ave Ste 112
    Phoenix, AZ 85013
    (602) 279-1000

    If you want to negotiate a settlement call your original lender directly, do not with this scan bags, they are in commissions or percentages based. Many banks and lender will negotiate up to 80 % of the debts, make sure they do not report it to the IRS if not they can make you pay the taxes on the remaining amount, and make sure they clean your credit, get it in writing first.

    Don't get mad get even.

    People which do block the caller ID and or use Spoof numbers always have something to hide, that is the only reason they will use a Spoof number (Fake number / Voip Number / Or PBX number whit no actual connection only rings and then dies) Report them to the Authorities, this business practices are illegal and punish by law: if they use spoof numbers, Obscene and rude language, threats, harassment, all this are felonies and punish by law. Report them to your Local Telecom provider, your local District attorney, the local police department, your local senator, record the conversation and keep any and all voice mail left, don't be afraid, they can do absolutely nothing to you till they take you to court if you owe them any money, is futile to argue with ignorant people.

  • Ph
      28th of Nov, 2011
    0 Votes

    Well Mr Pay Your Bill,
    You CAN contact the debtor at their place of business until are asked not to by superior at your place of employment, it i not against any FDCPA law, or any law for that matter. Collectors are not "threatening" you, they are simply stating what actions they CAN and WILL take if you do not work out an arrangment for the money you loaned against in some way shape or form. Once a debt has been paid the account is automatically reported to the client as paid in full or settlement and is not collected any further per the FDCPA. No collection agency is going to continue collecting on a paid claim and would not put their million dollar or billion dollar company on the line for your small claim you should have been adult enough to handle at the time regardless of your cercumstances. Everyone has a hard time with money as an american in this economy but people seem to think that having internet, cable, more then one vehicle out of their budget etc, anything that is not a necessity should come over a bill that they owe on. Its easier said then done to take care of an expensive bills so you should look at collections as motivation to set up a smaller monthly payment you can afford or a settlement to save you a possible couple thousand dollars. In addition, it is not logical for an agency to obtain a judment for a claim over a certian amount per the client. Per the FDCPA only certian kind of claims can even legally obtain a judgment, so are incorrect. Also, the "PBX" system you are talking about shutting down by your twelve year old prank calls is not for every agency. Every agency has a completly different system that prevent problems like that happening so incase people like you want to get your rocks off. Last but not least every client has their percentage of comissions and it is completly different with every single client. Depending on the age of the claim, the amount of the claim, the debtors credit, assets, the written financial proof given for bills and monthly income and the attitude you show the collector. No employee of the collection agency is required or obligated to give you any type of discount and it will be understood by any judge or client to not give a discount to an ignorant person. Hope you are now educated on what collections really is and you can go tell all your friends :-) It might have been easier and less time consuming for you to just take a settlement instead of you now probably in the process of a lawsuit for your unfortionate neglect of knowlage on the subject you posted.

  • Bo
      14th of Aug, 2013
    0 Votes

    This is a response to ph22. A lot seems to have changed.
    From the Consumer Finance Protection Bureau:

    "Can debt collectors call my employer and tell them they are calling about my debts?
    updated July 10, 2013

    No. A debt collector generally may not contact your employer or other third-parties about the debt. Debt collectors may ask your employer to verify your employment, or ask for your address or telephone number. Generally, a debt collector is only permitted to discuss your debt with you, your spouse, or your attorney. Also, if a debt collector knows that you are not allowed to receive the debt collector’s calls at work then the debt collector is not allowed to call you there. If your employer does not allow you to receive personal calls at work you should let the debt collector know that.

    We have prepared sample letters that a consumer could use to respond to a debt collector who is trying to collect a debt along with tips on how to use them. The sample letters may help you to get information, set ground rules about any further communication, or protect some of your rights. "

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