They have purchased debts from all over the country. They have no interest in making a payment arrangement based on your situation - out of work, sick kids, bankrupt, whatever. They may pretend to take notes, but all they want is cash. That's why they bought the debt. Anything you pay them will not go to the original person or company you owe money to.

They threaten to ruin your credit for life. They call your cell phone and family members. This is not an ethical company.

THIS DEBT IS NOT VALID AND THEY HAVE REPEATIDLY CALLED ME EVEN AFTER I HAVE SENT A CEASE AND DESIST WHICH IS CLEARLY A VILOATION OF FDCPA!

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=5112
Capital Accounts  
800 Crescent Centre Dr, Ste #530 800 Crescent Centre Dr, Ste #530
Franklin, Tennessee, 0


www.usecapital.com/about.htm


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Phone No.  615-297-1575 800-282-3214  
Fax 800-296-3317  



http://800notes.com/forum/ta-1dfc387cc01e03d/ ... illegal-tactics
important information you must read to protect YOURSELF from collectors who BREAK STATE AND FEDERAL LAWS

calling at work, on cell and home. rude. asking personal questions immediately, don't know why they are calling when you answer the phone.

someone, claiming to be from tennessee, called for an older brother's phone number.   i don't know if they were rude, but got our elderly mother upset.  thanks for your replies so i can clear this up for mom.