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Davis and Edwards

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

 

Debt collectors like Davis and Edwards cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Davis and Edwards violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Davis and Edwards?

Davis and Edwards is a third-party debt collection agency based in Riverside, California. It is not recognized by the Better Business Bureau (BBB).

Davis and Edwards also offers debt consolidation and financial planning services in addition to collections.

Davis and Edwards’ Address, Phone Number, and Contact Information

Davis and Edwards is located at 231 E. Alessandro Boulevard, #A502, Riverside, CA 92508. The main telephone number is 833-781-5520 and the main website is www.davisandedwards.net/

Davis and Edwards Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Davis and Edwards is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Davis and Edwards violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Davis and Edwards took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Davis and Edwards, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Davis and Edwards continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Davis and Edwards is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide their citizens with an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Davis and Edwards’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Davis and Edwards violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.

What if Davis and Edwards is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If Davis and Edwards is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

What Our Clients Say About Us

Mike Agruss Law has over 1,000 outstanding client reviews on our website, an A+ BBB rating, and over 135 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Mike Agruss Law was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling altogether!! Even settled it so I was paid back for the problems they caused!”

Can Davis and Edwards Sue Me?

Although anyone can sue anyone for any reason, we have not seen Davis and Edwards sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Davis and Edwards has threatened to sue you, contact Mike Agruss Law as soon as possible.

Can Davis and Edwards Garnish my Wages?

No, unless they have a judgment. If Davis and Edwards has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Davis and Edwards has threatened to garnish your wages, contact our office right away.

Davis and Edwards Settlement

If you want to settle a debt with Davis and Edwards, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Davis and Edwards remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from Davis and Edwards for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Davis and Edwards, we at Mike Agruss Law are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said to stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.
  2. What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.
  3. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.
  4. What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.
  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No.  Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.
  6. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide its citizens with an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.
  7. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.
  8. What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/

Share your Complaints against Davis and Edwards Below

We encourage you to post your complaints about Davis and Edwards. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Davis and Edwards over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.

 

Submitted Comments

Tracy
4 years ago
20 years old debt they are rude and tell me sent a letter never did and now going to put a lean on my truck.
Gordon
4 years ago
Just received a call from Davis & Edwards claiming that they were going to garnish my wages for a debt alleged to be due - which it is not - in the amount of $5,120.39 where they claim last payment made was on November 11, 2002 - I questioned the rep on whether or not they had a judgment - she said no but she could garnish my wages. I told limitations is 4 years in Texas - she ssaid she would file a report on me and that the debt was just like child support and she could collect it through garnishment. These bottom feeders need to be stopped. Please advise if this is a case you would be intested in handling for me. Thank you.
Cari
4 years ago
Davis and Edwards called me several times telling me that they will garnish my wages if I do not pay this debt. They never once told me they were collections agency but a financial institute. They never sent me mail as they claim. They never told me what the debt was for. Then I saw you guys.
Linda
4 years ago
I received a call from Davis &Edward's regarding an old debt. They threaten to garnish my wages and put a lien on my car unless I pay or settle. This debt, if its mine, dates back 10 tears or more. Are they legit? What are my options?
Patrice
3 years ago
Davis & Edwards contacted me today saying I owe a debt for a Credit Card back in 2012 with Bank of America. Alexis was the rep I spoke with, she claimed a letter was sent in August but I never received the letter and when I asked for another letter to be sent out she told me no. She stat they weren't a collection agency and I had until tomorrow to make an payment or they would be garnish my wages. So I told her I would have my lawyer contact them and I was given a fax number 855-710-7446 to have my lawyer send over a letter of representation. I told her I would because I didn't have a card with them, and I felt like this was a scam. She couldn't tell me what year the card was originally opened she just kept giving me the year 2012 and I checked my credit report online and I have nothing on my report regarding a credit card. I even checked my closed accounts and nothing showed.
Jennifer
3 years ago
My husband received mysterious voice mail from phone number 800.717-7535 with a reference number attached. I called and spoke with a rude lady who claimed to be the floor supervisor named Ana M at extension 409. She said I owed a debt almost $2500 and that they had already notified me. She said they were going to garnish my wages, my income taxes and pull from my checking and saving accounts. I tried to be truthful and let them know I never received any mail from them. They claimed they sent me mail in July of 2020. When I asked for my address, she had a partial street name. I never received any mail and she asked for my email which I provided. She sent me a Stipulation of agreement to sign in two days or else my file was going to be turned in so my wages could be garnished. I told her I could not sign this in two days. I also told her the creditor listed was not named on my credit reports as i've been working to get my credit in good standing for several years and I have, but never saw them on it. I believe I tried contesting that credit card over ten years ago... so I asked if she could send me something showing when this account was sent over to them. She said I'd have to get a lawyer for hard copies, she could not provide me with anything. She could not extend the two day date to give me time to research what she was calling about. She kept telling me they couldn't offer a $25 payment agreement, which I was hurt and offended by, I didn't ask for a payment arrangement at that amount, I was just trying to find out all the options. She said she was going to let the courts know that they tried reaching me and tried working an arrangement out with me but I did not want to resolve the matter which was so far from the truth. She would not allow me to speak to her supervisor nor would she send me anything showing they had a wrong adress or anything for me to see regarding the debt, the date it was opened or closed, nothing in writing regarding options. She just kept threatening wage garnish, taking money from filed income taxes and our bank accounts. I told her how my family was in a financial bind due to the pandemic, I was the only one with a current employment. It did not matter. It was pay the debt in full or pay $206 a month which is hard right now with a family and one income. I was just cleared of any brest cancer today from the doctor and this aggressive conversation happens. I hope no one else is going thorough this type of bullying, especially during this time. She hated me asking questions but you just have to. They never said on the message who they were or why they were calling specifically. I just wanted all the facts so me and my family could make decisions during this horrible time.
Elaine
3 years ago
Davis and Edwards called me under a different name and told me to call a certain number. When I called the number they told me that Iowed a credit card debt and they had sent me a letter. I told them I never received the letter and wanted more information so I would know if I really owed the debt. They said they could not send me another letter. They said they will now enter a judgment against me. what can I do or what can you do. I don't even know if I owe this debt since they refused to send another letter.
Michael
3 years ago
These people called me about a debt they said was from 2014 that I stopped paying on from Nevada when I've lived in New Mexico since 2011. They also threatened to garnish my wages
Minnie
3 years ago
On 11/19/2020 I was harassed by someone from your firm she claimed that I will be sued for a loan in the amount of $6,000 from a US Bank 5 years ago she used my married name that I never legally changed so how is that possible? Her number that she blocked me from calling because I cursed her out after she kept making rude comments was 800-717-7535 and the reference number that was given to me was MXO7723 I will be calling my lawyer when she sends the litigation papers she claimed she will be sending me
Nicole
3 years ago
They called me and harrassed me to pay a debt that I do not even remember is mine they said from 8 years ago. They also said I would have a judgement and to contact a debt attorney. I set up payments but I feel like I was frauded. They also robo called my mobile phone for me to call back. I feel dumb, I feel like I was frauded. I do not even see this debt on my credit.
M
3 years ago
Someone from davisandedwards contacted me about a utility bill from a company I didnt know about. I had never heard of Embark.I Paid them $100 and asked them for information reguarding this dept. I checked their website...IP address could not be found.
Rosalinda
3 years ago
I just got a call today saying I owe Sprint when I know I hadn’t had Sprint since I was a teenager. They told me that they could take my income and car and possession. They said they were from David and Edward. If you can please get this settled thank you.
Michael Agruss
3 years ago
Hi Rosalinda. I would be happy to discuss the information you've received from Davis and Edwards. Have they sent you any paperwork regarding this supposed debt? Have you asked for a debt validation letter? I would recommend starting there. If you need assistance, please give my office a call at 312-224-4695. Thanks, Mike
Michael Agruss
3 years ago
Hi M. I would recommend that you ask for a debt validation letter prior to sending payment for any debts, especially if it is for something you're not sure is legitimate. I can help you with this. I will give you a call or you can reach me at 312-224-4695.Thanks, Mike
Michael Agruss
3 years ago
Hi Nicole. I would highly recommend that you send a registered letter requesting a debt validation letter for any debt you're unsure of. This allows you to review the information they send to you and contact the original creditor to determine if it is legit. Have you received any paperwork stating that you're being served for a court case? I will give you a call to discuss this further and determine what options you might have. Thanks, Mike
Michael Agruss
3 years ago
Hi Minnie. My law firm wasn't the firm that contacted you, we actually represent consumers who are harassed by debt collectors like Davis and Edwards. If you would like to discuss the rude behavior you've dealt with, I would be happy to speak with you. My number is 312-224-4695. Please reach out at your earliest convenience. Thanks, Mike
Michael Agruss
3 years ago
Hello Michael. Have you sent a request for a debt validation letter to Davis and Edwards? You have that right under the law. If you'd like assistance with this, give me a call at 312-224-4695. Thanks, Mike
Michael Agruss
3 years ago
Hi Elaine. You absolutely have the right to be sent a debt validation letter to determine if you actually owe the debt. I would be happy to help you in this matter, my law firm is experienced in dealing with Davis and Edwards and cases like this. 312-224-4695 Please give us a call. Thanks, Mike
Michael Agruss
3 years ago
Hi Tracy. I would be happy to talk about this supposed debt and the rude behavior you've dealt with from Davis and Edwards. I will be in touch. Thanks, Mike
Michael Agruss
3 years ago
Hi Gordon. I would be happy to discuss your case with Davis and Edwards and the statute of limitations in your state and if this is actually a legitimate debt. You can contact me at 312-224-4695 but I will also be in touch. Thanks, Mike
Michael Agruss
3 years ago
Hi Jennifer. I'm sorry to hear that you're dealing with this type of behavior from Davis and Edwards. It is rude and unnecessary. I would be happy to talk with you about this and see if we can help you to get this resolved in a timely manner. I will contact you or you can reach me at 312-224-4695 at a more convenient time. Thanks, Mike
Michael Agruss
3 years ago
Hello Patrice. Davis and Edwards is known for this type of behavior and you are wise to check on your credit and to question if the debt is legitimate. I can help you to get this resolved. My law firm is experienced in dealing with Davis and Edwards and our initial consultation will be no-obligation and will cost you absolutely nothing. I am going to contact you or you can reach me sooner at 312-224-4695. Thanks, Mike
Michael Agruss
3 years ago
Hello Linda. I would suggest that you request a debt validation letter from Davis and Edwards. You should do so through a registered letter. If you would help with this, give me a call at 312-224-4695. Thanks, Mike
Michael Agruss
3 years ago
Hi Cari. We have been helping consumers like you deal with debt collectors, collections agencies, and creditors successfully for years and we would be happy to discuss your options in dealing with Davis and Edwards. Please give me a call at 312-224-4695. Let's get this started and see what options you may have. Thanks, Mike
Bernard
3 years ago
They just called me today saying they were going to garnish my wages for a debt that more than 15 years ago
Michael Agruss
3 years ago
Hi Bernard. What type of debt is it that they are attempting to collect on? What state are you located in? Each state will have different statutes of limitations for wage garnishment. Let's talk more about this to determine what options you may have. Please reach out and I will also give you a call. Thanks, Mike
Stephanie
3 years ago
They have called my mother amd myaelf to tell me if I dont pay a medical bill they will garnish my paycheck. Emailed me an agreement to pay that they wanted me to sign. I need help.
Michael Agruss
3 years ago
Hi Stephanie. I understand your hesitation in sending Davis and Edwards any type of money before you're sure about the debt. Do you feel that the medical bill they're claiming you owe is legitimate? You can ask them to provide you with a debt validation letter before agreeing to anything. I can help you with this. Give my office a call and we can discuss your rights. Thanks, Mike
Matt
3 years ago
Called and said they were preparing to take me to court to get a judgement against me for the approximately 2k I owed for a credit card from 2010 in order to garnish my wages. They had my phone number DOB and SSN. This debt does not show on my credit report nor do I have a credit card from the company they are claiming the debt from. I made a good faith payment of $200 but I'm hesitant to pay the rest as I have no way to verify if this is legitimate or not.
Michael Agruss
3 years ago
Hi Matt. You can ask Davis and Edwards to send you a debt validation letter. You should do so as a registered letter to provide a paper trail in the event that they violate your rights. I can help you with this, give me a call at my office. Thanks, Mike
catherine
2 years ago
this issue has been going on for two years,in 2020 jan29th I canceled my direct tv and switched to dish.at the time of canceling I owed 154.79 which I was willing to pay after requesting paper bill sent .I received a bill that said I owed 280 and some odd cents.called direct tv 3xs and argued over this.would not agree to accept amount actually owed.told me I owed an xtra month, because couldn't cancel my subscription at that time.told them I would pay what I actually owed and not a penny more.about 6months went by and I started getting calls from debt collection.it got so bad I stopped answering my phone.after a few more months these other fly by nite outfits were calling.requested paper bill with original creditor and was told they couldn't and I'd better pay this bill.explained to them the situation and also told them after dealing with direct tv for 14 years and this is the way they treat me I'm no longer willing to pay them anything and after all the harassing calls and stress they owe me.finally took what paper work I had and sent copies with dispute and arbitration forms to at&t and told them they owe me this 280.00 for the stress and harassment iv'e endured since they turned this over to collection.this davis and Edwards is now the 4th outfit to contact me,by my cell phone.have gotten 18 to 25 calls per day.all different phone nos,but when they tell me to call back the nos are for the same outfit which you can't understand what name they are going by.when I've called and asked who they and who they are affiliated with they hang up.needless to say I'm no longer willing to pay them anything.not one red cent.what can they do to me?i'm in my late 60's and retired living off my social security.should I wait t hear back from at&t or should I just call my attorney? ,
Michael Agruss
2 years ago
Hi Catherine. If you've been dealing with many years of these calls about your Direct TV bill for years and they are not willing to work with you on a payment amount, your best option may be an attorney. A consumer protection attorney has the "muscle" behind them to get these situations resolved in a timely and satisfactory manner. If you need help with this, feel free to contact my office and we can discuss your options. You can reach me at 888 572 0176. Thanks, Mike
Davindor
2 years ago
Davis and Edwards called stating they have a claim from Chase bank. I had an account with Chase bank in the 90's When I asked about the claim they said 2013 and 2017. They stated they will be garnishing my wages. I asked when is the court date. The lady was very rude. Stated I can get a lawyer and take them to court Didn't make sense. They had my address home and work and stated they tried to serve me. Not true. Always at work.
Michael Agruss
2 years ago
Hi Davindor. If you were not served properly, you may be able to raise a lack of service as a defense in your case. A process server will be tasked with proving they did their due diligence in serving you, but just because they couldn't find you, doesn't always mean you'll be off the hook. I will give you a call to discuss this further and we can discuss your options. Thanks, Mike
JEFF
2 years ago
DAVIS AND EDWARDS LEFT MESSAGE ON MY PHONE THAT I HAD A PACKAGE OF DOCUNENTS TO BE MAILED TO ME THEY NEVER SAID THEY WERE A COLL AAGENCY I CALLED THEM BACK AND THEY WANTED MONEY FROM A CREDIT CARD BILL FROM 1992 THEY CLAIMED THEY SENT ME A LETEER BUT THEY NEVER DID. THEY WERE VERY RUDE AND WOULD NOT TELL ME ANY INFO THAT I REALLY NEEDED TO KNOW, THEY SAID THEY DO NOT HAVE TO SERVE ME OR SEND ME ANY MORE LETTERS AND THEY WOULD STILL TAKE THE MONEY, HOUSE AND WAGES. CAN YOU HELP ME?
Michael Agruss
2 years ago
Hi Jeff. I can discuss these calls with you and see what options you have. If you've dealt with harassment and threats, your rights may have been violated. If they have, you may have the right to compensation. I will give you a call for a free, no-obligation consultation and you will have absolutely nothing to lose. Thanks, Mike
Erin
2 years ago
I was contacted by a locator service stating to call Davis and Edwards or further action would be taken against me. I contacted them with the reference number they had all my information on file stating I owe a balance from 12 years ago and if I didn’t pay my wages would be garnished. I had never received anything and wasn’t aware of this supposed bill from the hospital/medical facility. I freaked out and payed them a partial on a settlement offer then called the facility who told me I owed nothing and had nothing on file. I then called them back and they kept telling me the facility would t have this information anymore and if I don’t keep my arrangement they are still going to garnish my wages. I am scared and don’t know what to do.
Michael Agruss
2 years ago
Hi Erin. It can be scary when you get calls and letters from attorney's, especially when they're threatening garnishment. Just know that garnishments cannot typically happen unless you have been properly served and you have lost a court case. Depending on the statute of limitations in your state, this debt may be too old for them to proceed with legal action. Let's talk about this, give me a call at 312 300 5996. Thanks, Mike
Justin
1 year ago
Hello. I received a call from, Davis and Edwards (thats what it sounds like anyways.) The first call was automated saying I had documents being held in my name and to contact them about this package with documents in my name. When I called they said that there was a civil sute against me. The company filing the civil sute is a cell phone company that I had service with back in 2007 roughly. I don\'t know what state the sute is being filed in, nor do I know what the statute of limitations is for a company to be able to file a civil sute. They have said that if I don\'t make a payment on this account, they will go ahead with the civil sute. There saying that the account balance is $600+. I was in jail in auburn Nebraska for a year and a half then spent 10 years in prison. But since I was in jail I had no access to my phone and the jail didn\'t have it in my property. So, I whoever had taken my phone is they person (s) that ran up the phone bill. \\ I would appreciate any advice you can give. Thank you for your time in this matter, Justin Cartier (520)389-7420 At the time I had this service with US cellular I lived in Auburn, Nebraska.
Thomas
1 year ago
So, I am getting calls from Davis and Edwards, a third-party debt collection agency based in Riverside, California. . They are calling me to say they have an urgent matter and a package they want to deliver. I have no bad debt on any of my three credit reports. Also, back in 2017, when I did my security clearance and polygraph with the U.S Government, they found nothing to stop me from having my top security clearance. I had to report all unpaid debt and current debt, and if there was anything I wasn\'t paying, there was nothing; otherwise, I would not have got my clearance or my poly, and every three months, the U.S government checks my credit and my financials, and if anything shows up, negative on any one of three credit agency they will ask me about the debt or put me on probation or go as far as pulling my clearance. Now I know I have had no unpaid bills or bad debt in the last eight + years. Maybe there might be something out there from 2014 or earlier. But there\'s nothing on any of my credit reports, and it would be past the statute of limitations, which is seven years.

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