419-756-XXXX

Nothing. I don't answer unknown numbers. Internet indicated either a scammer or a bill collector.

his kim michaels with drs please contact me or one of the representative at 419 756 0425

Hi this is Ryan from the irs of Ohio pls contact me if you have any questions

Said it was (couldn't understand) and to call their office at 419-756-0425 extension 20.

Just gave me her name and a phone njmber and told me to call.

They are calling my family members

They left a message to call back, unknown who they are or what they want.

told me to call him back. called back and busy signal. Must be a spam call and will not answer

They call you and say to call them back at the office

Just asked me to call back at 419-756-0425. No identification of whom they are number coming up on caller ID doesn't match number they are asking me to call.

Didn’t say who they was just said to call them back then when I tryed went to a busy tone

Keep calling and leave no message with their identifcation or reason for the call.

Called, left voice mail. Said name was TY. Said my wife or my self needed to call him back @ 1497650425 ext.2053

Probably is : Debt Recovery Systems of OHIO, Located in Mansfield, OH ~

RE: Debt Recovery Solutions 419 756 0425  You should report them!   * Read this .. it will be helpful to You~ The FDCPA is the Fair Debt Collection Practices Act. Enacted in 1977, it’s the Federal law that protects consumers from abusive collection practices from third-party debt collectors.There are also many states that have similar protective statutes. For example, those of you who live in California enjoy the FDCPA protections, as well as those afforded to you by the Rosenthal Act.I certainly hope you’ll never have to deal with collection agencies — but if you do, it’s important that you understand these rights under the Federal act.  Rules: Communication Must Occur at Convenient HoursCollectors may not contact debtors before 8am or after 9pm local time, based on where the consumer is located. That means no calls at 8am Eastern Time to a debtor living in Texas and no calls at 10pm Eastern Time from a collector working in California.Calls Cannot be Made to the Debtor’s WorkplaceThere is an exception to this rule. If you give the collector permission to contact you at work or if communicating with the debtor at work isn’t disallowed by their employer, then, in general, it’s allowed. If you tell the collector that you are not allowed to receive calls at work or if you could get in trouble because of their calls, then they must stop.Disclosure to Third Parties is Not AllowedIn general, the collector is not allowed to communicate with anyone other than the debtor regarding the debt. In other words, the collector can’t call your neighbors and tell them that you owe $5,000 in past due credit card charges. I’ve had some interesting cases where I’ve served as an expert witness that have included evidence of messages left on answering ma****es. It was argued that this is a violation of this provision because someone other than the debtor was able to listen to the messages. They Must Stop if You Ask Them.Despite beliefs to the contrary, consumers can actually demand that the collector stop communicating with them. This must be done in writing, not verbally. So, you can’t just tell them “I demand that you stop calling me.”There are two exceptions to this rule. The collector may contact the debtor after they’ve received a valid written demand to cease communications to let them know that the collector is not attempting to collect the debt any longer. And, they may also notify the debtor that they attempt other ****ods normally used by collectors to collect debt.  ( Read between the lines…this means a****ential lawsuit from a collection attorney. )No Abusive Behavior Allowed We’ve all seen the hidden videos where collectors are threatening to have you thrown in jail or take away your children if you don’t pay your debts. This is clearly not allowed. They are also not allowed to threaten violence, use profanity or insensitive remarks, publish your name as someone who won’t pay their bills (credit reporting is an exception), or call you over and over in an abusive manner. I had a case where the collector called the consumer over 200 times in one year. Is that abusive?  Before you answer, remember that 200 calls over 365 days is much less than one phone call per day. What do you think?They Must Disclose Who They AreIf you’ve ever received a call from a debt collector it was probably prefaced with “I’m calling from XYZ and the purpose of this call is to collect a debt.” And, if you’ve ever received a letter from a collection agency it probably had language that disclosed that the communication was from a debt collector and that any information they receive may be used in furtherance of collecting a debt. These are required disclosures.They can’t sneak up on you.No MisrepresentationsWhat gets a collector in hot water very quickly is any act of dishonesty. Collectors are not allowed to:1. Imply that they are with a governmental organization2. Misrepresent the balance of the debt3. Pretend to be an attorney4. Imply that non-payment will result in garnishment unless the collector intends to pursue garnishment5. Threaten legal action if none is intended6. Imply that not paying debt is a criminal offenseMust Show the Debt As In Dispute, If So...This is an obligation under the Fair Credit Reporting Act (FCRA). If the debtor challenges the validity of the collection the collection agency must show the account as being in dispute not only within their own records but also along with the account as reported to your credit files. This is a fairly common FCRA violation in the cases I’ve been involved with.There are actually several more rules outlined in the FDCPA but these are the highlights and the more common violations. In fact, we’re on pace to hit 12,000 FDCPA lawsuits this year, which is 3,000 more than last year. So what do you think?  Any interest in owning a collection agency?By:  John Ulzheimer is the President of Consumer Education of Credit.com and the author of the book “You’re Nothing But A Number.”  He is an expert on credit reporting, credit scoring and iden***y theft. Formerly of FICO and Equifax, John is the only recognized credit expert who actually comes from the credit industry.  He has served as a credit expert witness in more than 60 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.