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Please be advised that if you call WDS Corporate and ask for the Legal Dept, You will be connected to Natalie Vasquez-Perez (nvperez@***.com). Natalie has a supervisor named Sushma Corbin (scorbin@***.com). Both of these women represented themselves as attorneys to me for months. (Natalie since 9/22/11)

I have this department on recording stating the following.

Q. You are a attorney?

A. Yes

However, when I finally went to the California State Bar to file a complaint for many ethics violations, I was thrown aback by the fact that they are Not attorneys. This is Very Against the law. I filed a police report yesterday. I will be taking this as far as the law will allow. Because I am sure this was not their only performance. Beware

Location: Los Angeles, California

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Kynzi Ehh

Title 15 โ€บ Chapter 41 โ€บ Subchapter V โ€บ ยง 1692e

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15 USC ยง 1692e - False or misleading representations

US Code

Notes

Updates

Authorities (CFR)

Current through Pub. L. 113-31. (See Public Laws for the current Congress.)

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation ofโ€”

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer toโ€”

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this subchapter.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collectorโ€™s business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a (f) of this title.

:grin :grin :grin :grin :grin :grin :grin :grin :grin *************************Should I say more*************************

:grin :roll :roll :roll :roll :roll :roll :roll :roll

Kynzi Ehh

How to detect a fake debt collector posing as a law firm

OCTOBER 19, 2013 BY LISA PHILLIPS

thief1Over the past few years thousands of consumers across the country have been scammed by fake debt collectors โ€“ And, apparently the scam never gets old.

The rise in debt collectors posing as attorneys or law enforcement trying to collect on payday loans is astounding.

Most often the consumer completed an online application for a payday loan which was never received or loans they did receive but for amounts not owed.

How the Scam Works

Simply applying for a payday loan online can put you at risk because some websites are specifically designed to collect personal information for identity theft purposes.

The fake debt collector calls your home, job and even cell phone threatening arrest or violence, posing as law enforcement or implying a case has been filed against you.

Sometimes it may be hard to tell the difference between a legitimate debt collector and a fake debt collector because they may have sensitive information such as your bank account number, employment information or even personal references. They can be ruthless but having your personal information does not mean a debt collector is legitimate.

How to Detect the Scam

Fake debt collectors can be detected, and here is how:

Trouble Reading Script. A fake debt collector often reads a script; and sometimes bumbles and fumbles through it. Any question posed by you during the reading can throw them off. They can be easily frustrated, especially if you request their address, state bar no., and the jurisdiction where the case has been or is โ€œabout to beโ€ filed.

Refers to themselves as Investigator. Impersonating law enforcement is a crime a fake debt collector does not mind committing. But keep in mind law enforcement will never call you to collect a personal debt. Some may even give you a โ€œbadge number.โ€ Donโ€™t be intimidated, simply inform them you are going to call the agency they claim to be calling from to establish they are really law enforcement.

Threatens Jail Time. I cannot say this enough, โ€œpersonal debts are civil matters, not criminal matters.โ€ With that said, there are circumstances when consumers are arrested in conjunction with debts, but it is because they failed to appear in court when summoned, or failed to pay legal fines.

Refuses to give you a Mailing Address. The main weapon of a fake debt collector is fear. They are hoping to scare you enough to get you to pay over the telephone immediately or through Western Union. Fake debt collectors typically do not provide business addresses. It is vital that you request the name of the debt collector or debt collection law firm; the address; and phone number. If they refuse, the conversation is over. There is no need to keep talking. Any legitimate company or law firm will not hesitate to give you a mailing address.

If you manage to get a mailing address immediately request they contact you through the mail only and hang up the phone. You then want to verify the debt collection company through your State agencies such as the Department of Corporations or State Attorney Generalโ€™s Office.

Send a certified, return receipt letter requesting no telephone contact and that communication only be completed through the mail.

Request Written Verification of the Debt. Fake debt collectors almost never put anything in writing. They are hoping you will simply pay them over the telephone out of fear and intimidation. The Fair Debt Collection Practices requires that a debt collector notify you in writing of the debt within five days of their first contact with you. The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.

Request the debt collector send written notice of the debt through the United States Postal Service only. Email is not acceptable. If you receive written notice of the debt; although I highly doubt that you will, you then have 30 days to dispute the debt and request debt validation.

Never pay an unverified debt

The bottom line is if in doubt do not pay. And, by all means, never pay any debt when there is no written proof. It can really shake you to get a call from a fake debt collector but never be so shook that you pay or divulge financial information.

Besides, paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you or pass your information along to the next fake debt collector. It can be a never ending cycle. Turn the tables on fake debt collectors by demanding information from them; not giving them information. :grin

Josee Xih

Interesting, thanks for the legal lesson. Hey go all the way by posting that law.

Kynzi Ehh
reply icon Replying to comment of Josee Xih

Smart ***!!! You are suppose to settle disagreements not talk shi-t to customers.

I guess you show everyone that WD employees especially the advocate office are bunch of kids running the businness(oh wait I see youre from Perris Ca office, Nasty dirty office I was there 2 yrs ago).

The corona ca office has a teen fat cow mexican pricing all wrong. $14,000 for root canal (code: 012967-lava crown and cleaning) and cleaning of teeth is totally dumb.

Josee Xih
reply icon Replying to comment of Kynzi Ehh

I don't work for western dental. I am a advocate for people who have been damaged. I assist people thar need to file a complaint with the State.

Josee Xih
reply icon Replying to comment of Kynzi Ehh

If you've been legitimately wronged by WD & wish to protect those who may walk through the door behind you, file a complaint.

I'm here to assist you should you need me.

Josee Xih
reply icon Replying to comment of Josee Xih

Thank you. SSB237 of the Fair Debt Collections Practices Act outline what collection agencies can and cannot do.

Western Dental has violated several aspects of this law several times a day. If Western Dental has violated your rights, I would be happy to assist you with filing your complaint with both WD and the State of California, Arizona or Nevada..

Guest

She recorded people with a USB recorder in her purse. I'm assuming she didn't give the "I'm recording you" statement on tape as she was taping everyone involved.

WD probably couldn't get rid of her fast enough. WD probably will file charges against her eventually, they certainly have a case.

Two party notification is required in California, otherwise it's illegal.

Sarahmarie Gco

It is NOT illegal to record people as long as your are a party to the conversation. Companies have to play the statement because legally only the operator at the company is legally a party to the conversation.

For anybody else to record the conversation would be illegal otherwise.

Learn the law before you spout it off.

Guest
reply icon Replying to comment of Sarahmarie Gco

It's illegal to record the receptionist with USB device in your purse unless you inform them, this was not a phone call. She also files false police reports against the receptionists and others. Read what she wrote to get a clue before posting.

Josee Xih

No, you obviously don't know what that law says. Maybe you should do your homework before you start referring people to jail.

Remember, "all calls are recorded for quality assurance purposes"! So do tell us, where is the expectation of privacy in that statement. As long as that statement is also on that recording, the recording is legal. 8)

File a police report.

Kynzi Ehh
reply icon Replying to comment of Josee Xih

"quality assurance purposes" you said it all. Practice what you speak.

By the way you aren't WDAdvocate.

Fu-cken fool! :roll

Guest
reply icon Replying to comment of Kynzi Ehh

I know what a fruit cake!

Guest
reply icon Replying to comment of Josee Xih

You said you recorded them with a USB device in your purse. That's illegal. You are going to lose this case and all the other ones you file.

Guest

It's illegal to record people. You should be charged with a federal crime.

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