This is my opinion: Kevin Smith is a collections agent. His company is either working on behalf of company's below that you owe money to,(there could be other companies as well), or his company bought your debt on the open market second hand from these companies at pennies on the dollar. His company is going to try and pressure you into paying. Kevin appears to be breaking numerous collection laws impersonating police officers, as people are stating, or threatening people and non related parties. You can contact the people you have this debt with and ask who now owns the debt to determine what company Kevin works for. You can also use online serices to pay for information on Kevin's company. That will allow you to know who Kevin's employer is and deal with them directly. http://www.intelius.com/ If you feel the tactics are out of line you can contact the companies you owe the money to and file a complaint with the Fedral Trade Commission (Info Below) with them directly, which will hopefully address the situation. If they sold the debt to another company,like Kevin's, then your pressure on them will be directed to whom they sold the debt to. Remember you have rights. __________________________________________________________________ Federal Trade Comission 877-382-4357 1-877-FTC-HELP TTY: 1-866-653-4261 This is the number if you want to file a complaint with the Federal Trade Commission. The FTC's Bureau of Consumer Protection handles complaints about unfair business practices, fraud, etc... Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, NW Washington, DC 20580 ___________________________________________________ Numbers: That Kevin Smith Uses 866-573-4821 877-448-6309 877-382-4357 866-573-4824 Broadwing Communications (Lic MN) 612-216-2200 Broadwing Communications (Lic MN) 800-688-5914 (His Voice Mail) ___________________________________________________________ Spacestar Communications (INternet Access) http://www.spacestar.net/ P.O. Box 95156 Las Vegas, NV 89193-5156 612.605.1119 - Billing Department 800.565.1837 - Billing (Outside Twin Cities) 612.605.0675 - Dialup, DSL Technical Support 612.605.0679 - Business & Web Hosting Support 702.966.0200 - Las Vegas Technical Support 800.681.2952 - Outstate Technical Support 020 7078 7272 - London, England 888.252.6552 - Fax Triad Financial Corporation (Auto Loans) http://www.triadfinancial.com/ DEPT CH-10104 Palatine, IL 60055-0104 (800) 879-9756 Corporate Headquarters 5201 Rufe Snow Drive North Richland Hills, TX 76180 (877) 631-6200 West Coast Facility 7711 Center Avenue, Suite 200 Huntington Beach, CA 92647 (714) 373-8300 First Financial http://www.bankatfirst.com Telephone Number: 877.322.9530 clientservice@bankatfirst.com Banking On Call - 877.322.8100 ANALYSTS: J. Franklin Hall P: 513.979.5770 Email: Frank.Hall@bankatfirst.com LEGAL: Gregory A. Gehlmann P: 513.979.5772 Email: Greg.Gehlmann@bankatfirst.com MEDIA: Cheryl R. Lipp P: 513.979.5797 Email: Cheryl.Lipp@bankatfirst.com SHAREHOLDER RELATIONS Terri Ziepfel P: 513.867.4811 Email: Terri.Ziepfel@bankatfirst.com ___________________________________________________________ Kevin Smith (Other Names used Leslie & Jim) Calls from these area codes 612,062,866,877,612,611 Spacestar Communications 612-216-2200 Triad financial corp 7711 center ave, Ste 250. Hunnington Beach CA First Financial 427 10th Ave. NE, Lonsdale, Minnesota 55046 866-573-4821 First Financial 426 10th Street NW Lonsdale, Minnesota 55406 866-573-4821 FIRST FINANCIAL SERVICES-MN 764 S CRPSS DR SUITE 202, LONSDALE, MN 55046 877-448-6309 Triad Fin First Financial, SpaceStar comm Pacific Coast Highway on Center Ave Huntington Beach, CA Caller: First Fin/Triad/Spacestar/US Bank __________________________________________________________ § 806. Harassment or abuse [15 USC 1692d] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. (3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act. (4) The advertisement for sale of any debt to coerce payment of the debt. (5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. (6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity. They have also violated Section 807 of the FDCPA, by misrepresenting themselves as a "Law Firm": § 807. False or misleading representations [15 USC 1962e] 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 of -- (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 to -- (A) lose any claim or defense to payment of the debt; or (B) become subject to any practice prohibited by this title. (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 collector'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 603(f) of this Act. Good for you, for calling the law on them. While you are at it, go to this website and file a complaint with the FTC against them for the above violations: https://rn.ftc.gov/pls/dod/wsolcq$.startup 800-688-5914 (His Voice Mail)