I have been dealing with ltd financial now for a few months. Recently I called to make a payment, and when the "man" on the phone asked for my social security number, I asked if there were another way to access my account. He rudely replied that "a third grader could get my social number." I asked for someone else was put on hold for a very long time. I then called back and had the same thing happen. I am now sitting on hold waiting to pay my bill. These people are losers of the worst kind. They obviously cannot keep a job doing anything but harrassing people. What a sad life.

A company called LTD keeps calling my phone and leaving messages for someone else. After one particularly rude message left on my answering machine demanding that this person "have the decency to return their call" I called them. The person that I spoke to, when I informed them that I was not the person that they were trying to contact and asked them to quit calling my phone, basically called me a liar! Is there anything that can be done about these people??!! I get between 10-15 calls a day from them (they use 3 different phone numbers to call with i.e. Unknown Caller, a Houston, Texas phone number, and a 1-800 number). Even after telling them my name and phone number and they confirmed that I was not the person that supposedly owes them money they are continuing to call!! I'm getting really fed up with this! I'm a disabled person on home-oxygen and their constant harrassment is causing me severe health problems!! What can I do about this? Any suggestions would be welcomed!

A relative came home from work one night to find a voice mail message for ME explicitly stating (in a very rude tone of voice) that the caller was a debt collector, working for a debt collection agency. I used to be a debt collector (medical only) and I know the laws. You can't do that on an answering machine/voice mail unless the debtor states that it is okay to do so. It violates privacy. Do I owe the money? Yes. Was that my address or phone number? NO. In fact, the credit card agency had been given the correct information several years ago. As it happens, the number I gave them then is no longer good. I don't have a phone number any more. I can't afford it. I'm on disability and have had so many severe financial set backs in the last couple of years that if debtors' prison still existed, I'd be in it. I try to pay my bills but, like others have said, I pay a little to each creditor. It's all I can afford. As smaller bills get paid off, I add that amount to another bill.

I sent LTD a certified mail, return receipt letter (which they should have received today at the latest) telling them NOT to contact me any further and that I would sent them small monthly payments. After reading other entries here, I think I will send the payments directly to the creditor. I don't trust LTD.

Is it true that they cannot collect a debt if you haven't made a payment in 2 years?

I totally agree that you need to pay your bills, however with the recent economy, some people are having a hard enough time paying their mortgages, heating bills, electric bills, health care, food, etc. I was laid off for 21 months and went from $1000.00 a week to $400.00 a week. I applied for many many many jobs and did not get any. I just went back to work and it is part time and I am still making only $400.00. Gas, oil, electric, etc. has all gone up and citting $600.00 a week out of your pay is a big issue. We will pay the bills we owe but these businesses need to understand that a small payment is all that can be made. When they say no it is not enough let them take me to court. I own nothing. If they want my insurance when I die, good luck there too. I have nothing. These collection agencies are rude, tell lies etc. and I am sick of them. There is so much scam out there and who wants to believe anything these days. Also after 2 years, companies cannot file small claims charges. I worked for a county agency and after 2 years of no payments, etc. they are no longer able to file the claim!!!

I RECEIVED MULTIPLE CALLS ON A PHONE # THAT I HAVEN'T HAD FOR OVER 10 YEARS FROM WHAT SEEMED TO BE A NORMAL PERSON NAMED (MARK SHEPARD) TRYING TO COLLECT A DEBT. I RETURNED HIS CALL TO THE EXT HE HE LEFT. THAT EXT GOES TO SOME WOMANS DESK THAT ISN"T NAMED MARK.
I LEFT MULTIPLE MESSAGES WITH MY CURRENT CONTACT INFO. AGAIN THEY CALLED THE OLD NO.# 1 NIGHT I HAPPENED TO BE VISITING AT THAT RESIDENCE 3( UNKNOWN ) CALLS CAME THROUGH. ON THE 4TH I ANSWERED THE PHONE. A MOUTHY / FEMALE / RAISING HER VOICE INSISTED THAT I IDENTIFY MYSELF WITH ALL MY INFO SO SHE CAN TELL ME WHY SHE CALLED. AN ABSOLUTE AS&*^%$LE INTERRUPTED / TALKED OVER ME THEN SAID QUOTE ( I'M NOT GOING TO DEAL WITH THIS SH*&^%T) AS SHE HUNG UP THE PHONE. THAT WAS MOST PROFESSIONAL..

got a call from them and they verfied my address and the last 4 digits of my social, told them that I can't pay bill right now because I'm pregnant and not working and family members pay everything for me at the moment. I told them that I will pay the credit card service directly and the collector insisted on having my bankincg account information. I didn't give it to him and he finally hung up in my face. How much informcation do they have already? Do they have my child's security information and other household members?

I have received a letter asking me to pay these people and I am not going to do that cause I just don't trust these people and I don't trust this company that is called LTD Financial Services cause I just don't know who these people and this company are and I have never heard of them before and they kept calling me and harassing me asking me to pay the amount that I supposedly owe them and I kept telling them that I don't owe any money to nobody and as soon as I told them that, they just hung up on me. I would like to see these people get shutdown as soon as possible. The sooner, the better. This company who calls themselves LTD Financial Services is nothing but a scam trying to harass and call people up and say that they owe money to someone and which they don't and nobody has the kind of money to just throw away or to send these people any money. FYI, in the letter I just received yesterday on Monday, February 7, 2011, the letter states that I owe someone which is a company called Bank of America that I owe them in the amount of around $1,000 in which I don't have that kind of money to be giving them and I don't owe Bank of America any money in which that is total BS. They also want me to make 1 payment of about $540 by the 25th of this month and save about another $540. I have never been in debt and I have never owed anyone and especially Bank of America any money to them. I just hope that these people at LTD Financial Services will just leave me alone.

i have been recieving calls from ltd for about a week now and they are not looking for anyone in my family or anyone i know. they call from 7am -10 pm i come home from work and there are so many messages from them . i have told them they have the wrong number and still continue to call . how do i make this stop? can some one please help , im about to call an attorney and sue there ass's for harrassment .

Two strange voice mails from LTD Financial Services made me enroll to the TransUnion credit report company.

They left two voice messages to me (they know my first and last name + home phone number) asking me to call back regarding a debt collection. They asked me to call back with an ID number they provided.

Simply as I do not owe any money, I disregarded the calls and deleted voice mails. I did not call back.
And I thought of a possibility of ID theft, and I had to enroll to TransUnion to look up all 3 major credit bureaus (TransUnion, Exparian & Equfax) credit reports. The credit scores look good, and no collection accounts were reported and no debt I see except for the ones I know (like auto loan balance and a few temporary credit cards balances that does not exeed 100 bucks). I never delayed payments (utilities, auto-loan, gym monthly payment, credit cards payments, etc.), and my scores are at 900 level.

If I get the same phone call, should I call back? Or, just disregard like I did before?
If there's something I should pay, I think the source creditor or lender should contact me directly via mail or phone call. But I do not have any debt that I did not pay off. All the ex mortgage accounts had been closed with paying-off according to the credir reports, and I am living at an APT.

Please give me idea how to handle the LTD Financial calls.

I used to be a collector at LTD, and it is a legitimate business. Also in response to a earlier post i saw, I knew Pat Small, and she didnt HAVE to be the one to take the payment, thats just how they are there. They also already have people's social security numbers and address, in fact they look up your credit report and can find all the information about you possible. They will see everywhere you've lived, your phone numbers, and yes even your neighbors and your family members. I believe there is a certain amount of legitimacy though because they are collecting money that was borrowed and never paid back. Even if you've run on hard times that's the price you pay for borrowing the money in the first place, and I understand cause i have been there myself. They knowingly commit illegal calls and forced me to do the same while i was working there. Once i got moved to a certain manager's team i was told to go to a phone other than the primary one i used, because my phone was recorded, to call the people who owed debt. They told me to threaten with law suits and calling the police even though they knew these practices are illegal. When i complained to the director she just told me that she put me on her team for a reason and to do what she said. I could not work in an environment where i was forced to do illegal things and chose to resign from the company. While it is a legitimate company that is collecting people's debt, they are also doing illegal calls in order to collect them.

I owe Bank of America almost $30K for a business loan for a business I had to close. Now LTD is calling me. I agreed to pay $10K to clear off the debt. I was worried it was fake or that they would come back for the other $20K I owe.

Ive been trying to pay this debt they claim I have but the website that takes payments never works for the account. When I try and make a payment over the phone they claim the only person who can accept a payment for the aacount is "Pat Small" or her supervisor. Everytime I call, those people are NOT available. They work the same hours I work. Ive called and stated my work schedule and that I cant call between 7am and 5pm est but no one ever responds. Instead, Pat Small keeps calling relatives of my ex demanding payment. If she would call the right fucking number, or answe when I call then they would have recieved payment a long time ago.

I just got a call from an LTD debt collector. She called my work phone number. When I answered, she proceeded to inform me who she was, the name of the company, that it was a debt collection company, and that the call was recorded. This is all fine, I was OK with it. But then she asked me to give her my social security number and home address, so she could confirm my identity. I was befuddled: did she really think this was appropriate and that I would agree to it?! Alarmed, I replied that it was very weird that someone would call me at work and ask me for this information. She back off, and said she already knew the information, then gave me the last four digits of my SS to prove it, and asked if they were correct. They were, and I agreed to that much. However, I sincerely doubt she had any other information, which she did not pursue anyway. She explained that she was calling about my second mortgage debt (which is from a house foreclosure I had over a year ago in Florida).
I never imagined having to foreclose on my property, and I did everything I could to prevent this. My lender had required me to buy insurance for my 2nd mortgage, and I naively expected it would cover this situation. Isn't that why we buy mortgage insurance? I know the insurance company paid the lender, but now it looks like the insurance company has "sold" their incurred costs to LTD. I am very worried about talking to these people, they sound really sleazy. Should I have an attorney talk to them?
Also, I have serious concerns about how a mortgage insurance company can legally pass off a cost-of-doing business to a debt collector: it's an insurance company, they are supposed to pay for "when-bad-things-happen" as a cost-of-doing-business, aren't they? If they were an Auto insurance company, and I wrecked my car, I suppose they could refuse to pay for repairs if they thought I was misrepresenting the "accident", or they could pay and then sue me for damages if they could prove I was misrepresenting (i.e., fraud). But I would not expect an auto insurance company to accept my claim as valid, pay for the repairs, and then get a collections agency to make me pay them back. I don't get it. Why is this OK for mortgage insurance? If it's legal, it shouldn't be....and I wonder if there is any discussion anywhere about changing this ridiculous business model, or loop hole, or whatever it is.

Just give me the Owners NAME and ADDRESS and I'll put a stop to their
DO NOT CALL VIOLATIONS....

Calling My Relatives will get them a DOUBLE DOSE of MEDICINE....

I actually don't have a DEBT problem but a FRAUD problem....CITIBANK illegally backed out
payments and the stupid credit card company had sent out NEW CARDS that I never used and
the BAD ACCOUNTING idiots moved old charges that were already paid onto the NEW CARD.
The FRAUD is actually internal to CITIBANK but they FLUNKED in ACCOUNTING as well as these
IDIOTS at LTD.

LTD needs a Phone shoved up their A$$

Here is the address and phone for LTD

LTD Financial Services
7322 Southwest Fwy # 1600
Houston, TX 77074-2053
(713) 414-2100

LTD Financial left a message that they would contact everyone around the physical address and have been leaving complete details, along with the last four digits of my social security on their answering machines. I am pretty sure this is a direct violation of the Federal Trade Commission but apparently the fine was not enough for them to change their illegal behavior. I did file a complaint with the FTC but I am sure it will only be added to the thousands of other complaints against LTD Financial. The latest message said I forfeited my privacy rights because I was a public company. Wow... Did not know that having a business line of credit secured by my personal social security would mean I forfeited my privacy rights. Does this mean that LTD can openly discuss my business and slander my name now? How do you deal with this company that does not abide by the consumer protection laws of the United States?

I RECEIVED A SETTLEMENT OFFER FROM LTD FINANCIAL BUT THE ORIGINAL CREDITOR PLACED A JUDGEMENT/LIEN ON MY PROPERTY- IF I WERE TO SETTLE WITH LTD FINANCIAL AND PAYOFF NEGOTIATED AMOUNT, WILL I GET A RELEASE OF JUDGEMENT/LIEN? I NEED THAT RELEASE OF LIEN IN ORDER TO SELL MY PROPERTY. WHAT SHOULD I DO? ANY ADVICE?

I did a settlement payment on a collection in the amount of $$$.00 the only problem is I never received a letter confirming the debt was paid in full. Looking into that now.

They have been calling my cell every 2 hours since 9am I have told them to call my lawyers there taking care of my debt and there refusing.

You can settle your debts. It is just better for your credit to pay them in full but at least you are out of collections. Notice to cell phone owners in texas, massachussets and michigan, we cannot call you without your permission (it is against state law) but we still do it all the time b/c we figure people do not know this. We are only supposed to call people every 7 days but obviously we call more often than that. I got a co-worker her ext is 2229 (toll # 18007412100) she pushes people to pay by telling them more fees are going to be added that is total bs. What the validation letter says that is what is going to be, and all debts have a settlement rate, the paper I work (citibank) lets us go down to 35%. She always leaves all kinds of crazy voice mails and she is very obnoxious she is 74 yrs old already retired so she gets the money from retirement and her salary sleazy bitch. She has been there 5 yrs but asks questions like she just got there last month I f---ing hate her

Screw them.
Get on the no call list. Notify the FTC if the calls persist.

Ask them to put it in writing and mail you the letter. Don't give them your address. They should have it.

Get a little recorder and record the conversation. Then play it back so they can hear it.

Ask what he/she is doing tonight. Maybe something can be worked out about payment.

I like this one. Get a shrill whistle and blow it into the mouthpiece of your phone. The caller won't lose his/her hearing and should be fine when released from the hospital.

This company makes unwanted daily calls to phone numbers that no longer belong to the creditor. They are doing it to me. They have even been called by the cell phone company and told not to call my number as it no longer belongs to who they are seeking. They don't listen or stop.
Hopefully this time there will be criminal charges as well to further bring them under control. Their rein of terror will soon subside as others take similar action. They have nearly caused an auto accident calling while I am in traffic. Cell phones should not be used to harass people after they know better. Lives could be lost. In fact, FCC should ban any collection agency calls to any cell phone and save lives with traffic accident prevention. I suggest any one who wants a debt collected to use another company, as these people are so dumb they just keep calling wrong numbers and never get any results that way. I would not want these people making me think they are getting results calling old outdated phone numbers. Further, if you get a call from these people you would be foolish to pay them anything as they are a junk collection agency and the debt is almost always written off. Just do like the person who had my number did. Change your phone. Pay them nothing.

They called me and after researching this i called them back to tell them never to call me again. The guy started yelling at me to make my payments and stop talking and the calls will not stop, they will call me everyday until i pay. Is this sueable??

This company is a public predator and violates every known rule and law on the books. After getting a new cell phone from Verizon, I found out the last owner of the number owed someone for whom this unsavory company had old phone number information. For months they keep calling no matter how many times I tell them that the person is not me. They make no effort to stop. They use local numbers and also unknown number titles. Apparently the lawsuit that they got hit with was not large enough to stop them. I hope several sets of handcuffs will work better. Pay day is coming for these creeps.

They keep calling my mobile phone looking for somebody I never heard of. I've told them at least 50 times to stop calling, yet they continue. On top of that, they call from a local area code even though they're based in TX.

A female from LTD called my husband at work about a past due credit card. She proceeded to make threats that she could take our home - she had him believing a judgement had already been made against him & that his wages were going to be expunged (causing his substantial trouble w/his employer). She not only discussed all his outstanding debit with him (from credit reports) - she also went into detail & discussed my debt with him (clearly without my permission). She had already spoken to me (just 5 minutes prior at home) and subsequently called him at work outright lieing about the amount he owed; threatening illegal action; and making him believe a judgement had been made. Again, without my permission she discussed my debts as well (which had nothing to do with the debt she was attempting to collect). She subsequently called me back & accused me of lying to her & my husband & denied ever saying the things to him (that he recorded & she clearly said). He settled the debt, but only after unnecessary harassment & lies. Since then, I have settled an alleged debt of my own (we actually settled all our credit card debts - those alleged/and real) & they have yet to cash the final payment which clearly states "settlement in full" which makes me weary that they are still attempting some type of fraud. I refused to talk to anybody there after what they had done to my husband & have communicated thru writing only. However, from his experience - do not trust them - there are still bad apples breaking the law in their collection attempts.

So I had a crappy message on my home voicemail this morning. Saying to give these guys a call regarding a judgement against us. I was pissed, I don't owe money to no-one. So after several attempts and not wanting to leave a voice message i got a hold of someone. They wreren't looking for anyone in my family, they were just grabbing names out of the phone book and leaving messages. I let them know that this wasn't cool with me. These guys suck! They are not very professional. So my advise to anyone who reads this is, don't painic, they are the one's with the bad credit..wmmaw

Look, this is not rocket science. Under the FDCPA, you can simply send a letter (better to do it return receipt requested) simply saying never call you again at any time under any circumstances for any reason, and that you are giving them notice that you are tape recording all of your calls (must give notice that you're doing this, otherwise, its a crime). they will never call you again. if they do, its either a mistake or sue them.

I am a collection attorney, and deal with this stuff 1000s of times a month. Yes, they may elect to sue you as if you owe the money, they are entitled to eforce their legal remedies, but they will not be able to telephone you.

LTD 77074 IS A TERRIBLE COLLECTION AGENCY.
PLEASE DO NOT ANSWER THEIR CALLS.

It is my understanding that by the time a 3rd party collector gets hold of your alleged debt. The originating company has already charged it off. So they get a tax right-off on this AND I believe they have their insurance policy to claim this 'bad debt' too. Then if that wasn't enough, they then 'sell' the debt to a collection agency!

Debt Free Seattle

LTD is offering me a settlement for the outstanding debt owed.
I can save as much as $800.00 if I make 1 large payment and clear the debt.
I am somewhat reluctant to pay them. Note: I am a senior and I am disabled and the vast major of my income is used to cover the cost of healthcare services that I presently receive. LTD calls once or twice a week regarding the debt and I tell them when I save enough money I will send in a payment.
What should I do.

I had a Citibank Exxon Mobile Credit Card. I was unable to pay the card for about 3 months. Once I got back on track I began paying again. Exxon sent my account to a collection agency thus LTD Financial. I was paying Exxon directly, when I received a call from LTD financial telling me to send them the payments directly. My response was I am paying what difference does it make. So I continue paying and actually sent the next payment to LTD, do you know they called me and asked when I was sending my next payment. I told the guy who called this is harrasment and I don't believe you are calling me about a bill I pay each and every month. Look at the payment dates its always around 17 or 18 of each month. I just sent them a letter requesting to never be called again. I most certainly dare them to every call me again, I will contact the Consumer Protection division of the Attorney General's office in Maryland and file a serious complaint. LTD is very stupid!!!