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Old 07-28-2008, 11:54 AM
 
569 posts, read 1,221,539 times
Reputation: 543

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I received two messages last week on my home phone. Both of the messages were a recording stating that they were from Spartan Financial and they were trying to collect on a debt I owed. They left a number of 888-213-9688. When I called the number back I just got a voice saying they were not available. First of all my wife and I have no debt so I was skeptical. I did some research and it seems like this place has several complaints out there against them. I wanted to find out if they are legit and if so if anybody else out there has heard of them. Thanks in advance!
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Old 07-28-2008, 01:45 PM
 
Location: Charlotte, NC
1,311 posts, read 4,223,515 times
Reputation: 1088
I can't imagine it's anything but a scam.
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Old 07-28-2008, 03:45 PM
 
3,115 posts, read 6,129,494 times
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they are a real debt collection company. CMC sent my bill to them because I was making payments instead of paying my bill in full. Nice, huh? I was never able to talk to anyone either, but since I knew I still owed the money, I sent it to them. I assume it was taken care of, b/c I never got another bill from CMC.
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Old 07-28-2008, 03:57 PM
 
1,877 posts, read 4,304,227 times
Reputation: 1243
Quote:
Originally Posted by The Native 1 View Post
I received two messages last week on my home phone. Both of the messages were a recording stating that they were from Spartan Financial and they were trying to collect on a debt I owed. They left a number of 888-213-9688. When I called the number back I just got a voice saying they were not available. First of all my wife and I have no debt so I was skeptical. I did some research and it seems like this place has several complaints out there against them. I wanted to find out if they are legit and if so if anybody else out there has heard of them. Thanks in advance!
I would pull a copy of all 3 credit reports, and make sure they're not reporting a collection account. I would also call them, and demand something in writing, is you doubt the validity of the account. You have 30 days to contest anything they say is yours. If it's truly not your account, and you cant reach resolution, threaten to file an FCRA lawsuit.
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Old 07-28-2008, 04:39 PM
 
Location: Charlotte, NC
1,577 posts, read 2,383,864 times
Reputation: 414
Yes they are a collection agency and yes they are pretty shady. They also operate under Mark, Inc.

Check out the medical collections forum here : CreditBoards.com - Credit Help, Credit Repair Tips, News, Forums to see what the proper procedure is to handle this. Stay off the phone with them and do everything in writing.
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Old 08-14-2008, 12:38 PM
 
1 posts, read 23,057 times
Reputation: 12
Default Spartan Financial Services

Quote:
Originally Posted by The Native 1 View Post
I received two messages last week on my home phone. Both of the messages were a recording stating that they were from Spartan Financial and they were trying to collect on a debt I owed. They left a number of 888-213-9688. When I called the number back I just got a voice saying they were not available. First of all my wife and I have no debt so I was skeptical. I did some research and it seems like this place has several complaints out there against them. I wanted to find out if they are legit and if so if anybody else out there has heard of them. Thanks in advance!
Spartan Financial Services also goes by the name MARC, INC ( Management and Recovery Consultants ) Principal board members are the same.
Check your credit reports. An entry will drop your score over 40 points easily.

If they have illegally entered a debt on your report that is invalid I suggest you contact a good local attorney such as John W. Taylor, PC.
You should get a good attorney because you would be suprised at the attorneys that know nothing of NC 75 statues.
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Old 08-14-2008, 01:55 PM
 
Location: NE Charlotte, NC (University City)
1,894 posts, read 5,726,059 times
Reputation: 1041
Do they answer the phone like this?:
Click Here

(sorry...I couldn't resist)
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Old 08-14-2008, 06:46 PM
 
7,105 posts, read 9,699,824 times
Reputation: 2564
Default North Carolina collection agency script


YouTube - American Credit Collections -- How to NOT collect a debt
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Old 10-15-2008, 02:22 PM
 
569 posts, read 1,221,539 times
Reputation: 543
Thanks for everyones advise on this. After weeks of annoying voicemails I finally returned Spartan Financials call. As it turns out they did not even have the right person. Yes the person I talked with on the phone was pretty rude hence thier reputation, but at least I have not received any more phone calls...
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Old 10-15-2008, 06:17 PM
 
49 posts, read 159,277 times
Reputation: 43
Default Hate SPARTAN

Those vampires put a record on my ailing credit report after I paid.
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