focus receivables

Someone from focus recievables kept calling my house, asking for my husband on the machine so I called back. They told me that he had a $945 cell phone bill from a while back and wanted me to settle it. I told them I could make small payments to take care of it, but thats all I could do. However, the lady was very rude and laughed at me, she told me that I just needed to plan to talk to a lawyer, and she hung up on me. My husband was very angry that they had told me about this account and he tried to call back the next and no one would connect him with anyone. What do we do? Any advise would be greatly appreciated.


Sub: #1 I too have been getting calls from a collector; most recently Fo
Mon, 06/20/2011 - 11:59

I too have been getting calls from a collector; most recently Focus Receivables. I refused to verify my address or social security number until they verified the debt. The man I spoke to refused to give me any information until I verified mine. I again refused and he told me he would not go back and forth with me. I told him that was fine by me and he hung up. Before the company Focus Receivables identified themselves, I was getting calls from a supposed lawyers office asking me to verify my social security number and informing me that charges were being pressed against me for an unpaid payday advance, which I never took. The calls continued to come in after I told them I had no business with them and would not give any personal information until I received the info about the debt in writing. Admittedly, I was rude to the reps since I felt that they were frauds and trying to get my info. At one point the representative asked if he could "F*** me". I was certain I had not heard him right and asked him what he had said. He repeated it and then I hung up. Although I am not certain this is the same group of individuals contacted me, I have no REAL outstanding debt so I figure it must be. I spoke with a police officer regarding the situation and he informed me that it sounded like fraud to him as well. Although there was nothing the police could do, he advised me not to verify my info, do not send money, and not even to accept the calls until they sent me documentation proving the debt.


Sub: #2 [COLOR=black]This company keeps calling me for someone that had
Tue, 05/17/2011 - 09:09

[COLOR=black]This company keeps calling me for someone that had my phone number before I got it. I have called them and told them that I don't know the person that they are looking for. Every time they say "they will take care of it" and they say it with an attitude but they continue to leave messages and continue to call. I just put a complaint with the BBB to see if they will stop calling.[/COLOR]


Sub: #3 From the BBB web site for this company
Fri, 04/01/2011 - 08:25

Industry Tips
Debt Collection
The following is more detailed information about the Fair Debt Collection Practices Act:


A collector may contact you in person, by mail, telephone, telegram, or FAX. However, a debt collector may not contact you before 8:00 a.m. and after 9:00 p.m. unless you agree. A debt collector may not contact you at work if the collector knows your employer disapproves.


You may stop a collector from contacting you by writing a letter to the collection agency telling them to stop. Once the agency receives your letter, it may not contact you again except to say there will be no further contact. Another exception is that the agency may notify you if the debt collector or creditor intends to take a specific action.


If you have an attorney, the debt collector may not contact anyone other than your attorney. If you do not have an attorney, a collector may contact other people, but only to find out where you live and work. Collectors are usually prohibited from contacting such permissible parties more than once. In most cases, the collector cannot tell anyone other that you or your attorney that you owe money.


Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.


A collector may not contact you if, within 30 days after you are first contacted, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.


* Use of threats of violence or harm against the person, property, or reputation;

* Publishing of a list of consumers who refuse to pay their debts (except to a credit bureau);

* Use of obscene or profane language;

* Repeated use of the telephone to annoy someone;

* Telephoning of people without identifying themselves;

* Advertising your debt.

Debt collectors may not use false statements when collecting a debt. For example, they cannot:

* Falsely imply that they are attorneys or government representatives;

* Falsely imply that you have committed a crime;

* Falsely represent that they operate or work for a credit bureau;

* Misrepresent the amount of your debt;

* Misrepresent the involvement of an attorney in collecting a debt;

* Indicate that papers being sent to you are not legal forms when they are.

Debt collectors may also not state that:

* You will be arrested if you do not pay your debt;

* They will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so;

* Actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.

Debt collectors may not:

* Give false credit information about you to anyone;

* Send you anything that looks like an official document from a court or government agency when it is not;

* Use a false name.

Debt collectors may not engage in unfair practices in attempting to collect a debt. For example, they may not:

* Collect any amount greater than your debt, unless allowed by law;

* Deposit a post-dated check prematurely;

* Take or threaten to take your property unless this can be done legally;

* Contact you by postcard.


You have the right to sue a collector in state or federal court within one year from the date you believe the law was violated. If you win, you may recover money for damages you suffered. Court costs and attorney's fees also can be recovered. A group of people may also sue a debt collector and recover money for damages up to $500,000, or one percent of the collector's net worth, whichever is less.

This information is general in nature and is not to be interpreted as a reliability report on any particular product, service or company.

This information was developed by the United States Federal Trade Commission, Bureau of Consumer Protection (202) 326-3650.

The information in this report has either been provided by the company, or has been compiled by the Bureau from other sources.


Sub: #4 i got the same call from these losers. just dont pay attention t
Mon, 03/14/2011 - 13:31

i got the same call from these losers. just dont pay attention to them. settle your debts with human begins not with these miserable buttocks. rick dean


Sub: #5 Smallbiz
Fri, 11/05/2010 - 20:07

*In my previous post "collections" in the first paragraph should be "AT&T doesn't report to 'credit agencies.'"

UPDATE: After some more investigation on my part today, I realized I had received a collections letter the same day I first received a call from Focus Receivables (11/1/10). Except THE LETTER WAS FROM A DIFFERENT AGENCY!

I spoke to that agency and let them know that another company was trying to extort their account (but that I was still disputing the charges so I would not be settling). He was shocked to hear they called me the same day as me receiving the legitimate agency's letter. He was very nice.

So heed the warnings here and ask for a verification letter from them. My guess is that Focus Receivables has some way of finding accounts that are out for collections and they try to extort the money from you first. No letter=no payment. Do not give them your info (thank goodness I Googled and came upon this site before I caved to their badgering and set up a payment plan). And no matter what agency or even account in good standing you are dealing with, always ask for a zero balance letter. I've done this with every account I've ever paid off.

After my conversations with them this morning, I still received three more calls this afternoon from them. The first was a person who said, "Oh, I see someone has already talked to you today, we'll take your number off the list." 2nd was a hangup and third I did not answer but they left no message.

This is the second time I've had an agency come after me for a debt that was being handled by a legitimate agency. Duvera tried to come after me for an account I had paid off years prior. Also check for multiple complaints about the company.


Sub: #6 I have a $1500 bill with AT&T Advertising that I tried to negoti
Fri, 11/05/2010 - 09:52

I have a $1500 bill with AT&T Advertising that I tried to negotiate with AT&T but they would not work with me. Without going into a long and drawn out story about ethics and such, I did refuse to pay the entire amount. Monday, November 1, 2010 I received a call from Focus Receivables. I told the kid on the other line that I had tried to work with AT&T and thus refused to pay the bill. He said, "Okay, I'll mark the account. And you didn't hear it from me, but this is the end of the line. AT&T doesn't report to collections." We had a friendly quick conversation, a couple of laughs, and that was that. Now I wish I had written down his name.

They have called quite a few times since then, and when I answer the phone, no one is there.

Finally today I answered the phone and there was actually a girl on the line. She didn't even introduce herself by name. I explained that I had already spoken with someone on Monday and refused to pay the debt. I expected that to be the end of it. But no, she wanted detail on the reason I was refusing. After trying to explain the situation as calmly and quickly as possible (what does she care anyway?), she got snarky with me. I was explaining how I tried to reach AT&T multiple times to dispute charges but ended up on hold for 20 minutes each time and had to hang up because I HAVE A BUSINESS TO RUN and can't be on hold every time to dispute charges. She asked if I didn't have anyone else in the office to help me with these calls. As a matter of fact, as a young business, NO, I don't, it's me and my husband and he has clients to tend to. She then said, "Do you really think you're the only one who calls AT&T and you wouldn't be on hold?" I lost it. I asked for her supervisor, thinking they would be a) apologetic for their employee's attitude and b) I would tell them that I refused the debt and that was it. Nope.

The supervisor and I spent a long time on the phone together. I actually had to call him back directly because I had clients to tend to. (Cedric Alston 1-678-228-3493 is his direct line). He kept trying to tell me what it said in my contract with AT&T (um, how does he know?), and that I couldn't prove all the times I had called AT&T to dispute charges. I asked him why, when I had already told the Monday guy that I refused to pay the account, was I being called again and again all week? He said AT&T requests 3 person-to-person contacts before they call it quits and pursue even further action, and this was actually our third contact because I had had to call him back (seriously?). I was standing my ground until finally he threw out the "When this goes to court, you'll be responsible for all the fees associated with the lawsuit--retainer fees, court costs, for BOTH parties..." That got my attention (but I still recalled what the NICE young guy said on Monday--that this was the end of the line). So we started talking about working out a deal. We went 'round and 'round about settlements, payment plans, etc. I told him I would not be able to pay off the settlement amount in one, even two payments. That wasn't good enough. So he "spoke to his manager" and they offered me a payment plan on the original amount for 6 months, then would offer me another settlement then and reassess the situation at that time. In the meantime, I had started Googling and came across this site and started reading. I then pretended to be SO overwhelmed at that point and requested 24 hours (but it's Friday so in a business setting that would be until Monday) to think about it. He said, "No, you have to accept this agreement now or it's off the table." I said I wanted 24 hours to think about it. He said they had already gone above and beyond, as had his manager, and if I didn't accept it today, he HAD to mark the account as my refusal to pay. After each of us repeating ourselves a few times, I said, "Fine. I will call you back on Monday and see if the deal is really off the table, but I want to process all of this for a bit and look at my budget." He said, "Okay then, good luck" and hung up.

I've dealt with collection agencies before (from a few years ago due to the economy some bills had to go unpaid--I acknowledged the debt and paid them over time) and had no problem working with them on payment plans, including an AT&T personal bill which I was able to pay off in a few payments (different collections agency). I acknowledge SOME debt with this bill, but I refuse to pay it all and AT&T would not budge. I can only assume since I then flat out refused to pay the bill with AT&T Advertising when they wouldn't work with me that this is why they sent me to FC instead of a nicer group of people, so FC might badger me into paying.

I'll continue to research my options, but after reading this thread, along with some inconsistencies with FC, I think I'll just go about my business.

And if you are a small business owner, please do NOT sign up with AT&T Pay Per Call Advertising. You will get charged for a bunch of calls from telemarketers, robocalls and wrong numbers, even hang-ups, which they'll tell you when you sign up the charges are super easy to reverse, but then they make it almost impossible because you pretty much have to spend 20 minutes on hold every day you try to call to dispute them. As a small business owner, a start-up in the worst economy in recent history at that, I do not have 20 minutes a day, or more, to spend on hold waiting to get a charge reversed.


Sub: #7 Just don't pay! Ater a period of time the stature runs out and
Tue, 09/14/2010 - 06:23

Just don't pay! Ater a period of time the stature runs out and they can't sue you in any court of law. Call them and laugh at them. Tell them you used the money for a trip to Hawaii. Give them the same treatment they give people they call. what a bunch of assholes for sure.


Sub: #8 stealing money
Thu, 08/12/2010 - 14:07

they too called me regarding my 600.00 at&t bill. i told them i would make 50.00 mo payments for now, not telling them, but knowing in a few months i was filing a chapter 7. I was trying to do what i could till i could file. i felt bad not bieng able to pay it all so i fugured some would help. the lady told me i could settle within 10 more days only at 1/2 off the price, and i told her i did not have it which i clearly did not or i would have. she told me to call her back by june 30 if i change my mind. i did not hear from her, and on july 20, i filed bk and called and told her, i had and not to take any more payments that i "do not authorize any future payments form my account". the next day they took the entire full balance from my checking account, in full!!!! DO NOT GIVE THEM YOUR credit card or bank account numbers ever... send money orders if u are paying payments. they will rob u for all u have left. i had to change all my accounts i had for over 20 yrs, and fight with a claim, out, they are criminals and im suing them! I already have the lawsuit filed. PLUS, they still call everyday, and today i talked to two of them again, and told them my bk info and they still called, so thats ok, they will owe me now. DO NOT GIVE THEM u r bank info. PLUS they are rude and hang up on me everytime i try to talk to them, every time!!!!
They will be out of biz when im done with them. If you want to set up a class action, let me know. [email][/email]


Sub: #9 Listen, people. This is a pretty much a scam! I do not have any
Tue, 07/20/2010 - 15:09

Listen, people. This is a pretty much a scam! I do not have any "old" debt that this company could have bought up. File an online complaint at Be prepared to have the name of the company, the number that shows up on your caller ID, specific dates/times they have called (3 of them) and the gist of the pre-recorded message. Hopefully, you're already on the Do Not Call List, as that helps.

I have filed complaints of various "robo calls" to the FCC in the past, and they actually responded to me via mail. They take this stuff seriously, so do the work on your part and provide them with the information they need to go after idiots like Focus Receivables.

Additionally, if you have the patience and nerve to ask them for a written statement of the "debt" in question as a previous post suggests, then do so! That post is correct -- they are required by law to provide that information to you (if they actually do name a debt that you feel you really are responsible for).


Sub: #10 I also have had rude and unprofessional collectors bugging me. h
Sun, 07/18/2010 - 16:29

I also have had rude and unprofessional collectors bugging me. here is a link you can go to that might give some answers. It was sent to me from the Federal Trade Commission in Washington D.C. after I contacted them. After the FTC contacted te third party their attatude has changed 100%!!!!!!

Add new comment

This question (Case Insensitive) is for testing whether you are a human visitor and to prevent automated spam submissions.
Share post

Page loaded in 0.498 seconds.