March 2010         Litow Law Office  Cedar Rapids.  Just got a letter "right to cure" from them. What's funny is last lines in the letter says "At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. However, if you fail to contact this office, our client may consider additional remedies to recover the balance due." Sounds like a threat to me. Let the good times roll.

March 2010         Brennan & Clark Ltd. LLC 721 E. Madison P.O. Box #200 Villa Park, IL   Constantly calls, and had me believing I was actually speaking to a lawyer. It wasn't until I did some research online that I found out they're a debt collection company. Guy named Hubert Jones told me I owed $5,100 and that they were pursuing criminal charges.

March 2010         Bayside Asset, Chandler, AZ  I do owe an online loan - Bayside had the amount reduced, but only if I money grammed it today.  They said there is a court summons coming.

March 2010         Frank Falzone Law Firm We have been receiving phone calls from the Senior Advisor (Earl Cantwell) for Attorney Frank Falzone Law Firm at home, my wife's office and our cell phones. They have also left messages on the voicemail of the owners of the company that my wife works for. Earl says that the Frank Falzone Law Firm has gone above and beyond what is required of them to offer us voluntary influence on file #**** which we have been named primary recipient. They have no option at this point but to accept our silence as a statement of intent. 

February 2010         Aargon Agency Inc., Las Vegas  This is a new player in junk debt collections collecting on SOL expired accounts, and using a new tactic of going straight to negative credit reporting without ever making a collection effort! I have made a full report of all details on ripoffreport.com, and am preparing a lawsuit for damages, along with complaints to government agencies.

February 2010         Tate & Kirlin Associates, (India Call Center) Don't know who's keeping score on these guys but they like to call several times a day, seven days a week.  I have already spoke with someone telling them they have the wrong number, wrong info and wrong person and they still keep calling.  Many of the calls have come after 9 PM.

January 2010        Abrams, Russo and Harrington Cleveland, OH working account for collection after I made payments to Original creditor.  Address, phone, owner, details found on www.consumerjustice.com

January 2010         Valentine & Kabartas INC  Make sure to calculate to the exact penny with these guys. The will short the settlement by 2-3 cents in order to cause your client to default on the settlement total. Example:  Settlement is for $4570 terms are 3 installments of $1523.33. Well that makes the client ONE PENNY SHORT. One week later they will call and claim you did not fulfill the settled amount.

It looks like this is done to accounts over $8k and ones that they gave great settlement offers on. When calling them the girl (who sounded like she has had this conversation many times before) said “I have never seem this before but too bad your client is at a loss for thousands of dollars!” They are crooks and not even attorneys. Do a google search of them and see how many lawsuits they have pending against them. My argument with them is they draft the funds and drafted the letter with a typo. I have gone back and checked all my settlements with then and this has happened on 5 clients accounts. So how is this a mistake and she’s never seen this before but I have 5 in my office. BEWARE!!!

January 2010         PNV Capital, Houston  Very aggressive debt collector that employs well spoken individuals. Calls multiple times a day and calls my place of employment despite being advised, and reminded on subsequent calls, that my employer does not permit these types of calls. They also have never sent me ANYTHING in mail despite repeated requests to do so (Note: They claim to have sent me a pre-legal notification but refuse to re-send even this document). I cannot even locate an address for this company to send them a request to validate that they are in fact the authorized collector/current owner of the debt. They seem to have purchased a great deal of old debt from the now defunct Washington Mutual.

January 2010         Bureau of Collection Recovery Eden Prairie. MN  Bureau of Collection Recovery (BCR) has been harassing me for some time now. I receive almost daily, usually multiple times a day, calls from this agency, sometimes with a reference number. I only discovered their name through internet research as they do not identify themselves in the voicemails, nor when I answer. They call from multiple phone numbers to bypass filters, including using local numbers (they are not a local company and I've read this occurring in other places).

Since the harassment has began, they put a negative mark on my credit history. I disputed the negative mark and it was very quickly removed, indicating there was a response (it takes 30 days for lack of response to cause removal of a mark).

After reading this website, I've learned that their continued harassment may be cause for legal action against them since I have disputed the claim of debt, won the dispute, and they continue to attempt collection.

I honestly have no idea what debt they are trying to collect. As far as I know, I'm current on all of my debts and have been for some years now, with some accounts coming to a close due to payoff.

January 2010         Credit Bureau of Harve  A Collection/Credit Reporting PAWN SHOP! Violator of FTC (FDCPA and FCRA Laws) Owner, Brent (Teddy) Reber, uses and acts as a attorney in using an in-house attorneys name/title, Tammy Barkus. (Same Postal Box Numbers and Phone Numbers) ("Good ol' boy" local and legal use politics.) Very Abusive, and using Unfair Collection Practices. Greed! Greed! Greed! Beating up the weak and the "innocent" debtors; for extreme leveraged payments and commissions.

January 2010         Thomas, Thomas & Wichterman, Salt Lake City  This agency is scum. They initially called my job to "confirm employment." However, he first asked what type of law our office handles. He was then given our main office number. Within an hour the same guy, "James Thomas" called back. When I answered he indicated it was urgent he talk to me but he did not feel comfortable speaking with me at my place of employment. He gave me a number and indicated to provide the reference number he gave me to his secretary when I called. So I called back when I was off work. HE answered the phone, I asked for James Thomas and he said is he expecting your call? He put me on hold, then returning indicating he was James Thomas like I would not recognize his voice. He was calling about an extremely old credit card debt and went on and on, basically a sales pitch as far as I was concerned, indicating he had worked out a good deal for me. I indicated to him I was not paying anything and that he can provide validation of the debt amounts to me via US mail. He began to continue on and I indicated, I just told you I was proof of this debt and hung up. He called me right back and left me a voice mail message that he was sorry a deal could not be worked out and he did not appreciate me so rudely hanging up on him. He then indicated on the voice mail that I left him no choice but to contact "P____ with the payroll department." I will be calling him back to call his bluff on that one, as well as informing him that I will be filing a complaint for his empty threat.

January 2010         Brewer, Michaels and Kane, LLC  North Tonawanda NY,  This company harassed my sister in law, leaving threatening messages about summons being processed for my arrest due to check and social security fraud, after calling them and speaking with them directly, I was freaked out and scared so I made payment arrangements with them to only find out later they are scam artists. I since learned to file a claim with the FTC and the New York attorney generals offices.

January 2010         E.R.C/.STELLAR RECOVERY INC FLORIDA & MONTANA  The bottom feeder John Schanck is now running a collection agency out of Montana named Stellar Recovery Inc. I was employed there and have witnessed daily violations of the FDCPA. Majority is out of stat debt, with a poorly trained staff. Continuous calling, dunning letters not sent, threats of suit. HE NEEDS TO BE SHUT DOWN. S.R.I/. 866-552-1377 corporate number.

January 2010        National Revenue Corporation, AKA NCO (I looked them up, they are one and the same) keeps calling my residence asking for someone with the same last name. I do not know the person, nor has she ever lived here. She is a distant relative, and lives in Wisconsin. I am in Arizona. They continue to leave rude messages. I have informed them repeatedly that the woman does not live here, has never lived here, and that they should not assume that they can call here and leave threats because we have the same unique last name.

January 2010        Federal Credit Corp, Colleyville, Tx just wanted to update my previous comment. I sent a DV under both state and the FDCPA laws the end of September/October. I responded within the 30 day period. FCC did not show up on my credit report until after I sent the DV and I disputed the entry. I got the results back today and it now shows that the entry remains and is accurate when I never got validation. The item is only listed on Experian and it does not show that the debt is disputed either. It says it will be removed 9/2011.  What do I do at this point? There has to be some law breaking here.  

January 2010      Jacob Law Group, Jacob Collection Group, They have been calling my phone and leaving messages that they are calling from the Attorneys office of Jacob Law Group, and also Jacob Collection Group. I believe that it is illegal to state that you are an attorney if your not so I saved all the messages.

January 2010      Conserve, Beware of these idiots. They call your place of employment and like to call unpaid tuition "student loans" when they aren't. They called my friends, my family and my wife. BEWARE!!!

January 2010      Stock and Grimes, Jenkintown  Has anyone received a dunning letter from Stock and Grimes? They are a collections law firm contacting me for a fairly older debt. Any info about them?

December 2009   Leading Edge Recovery Solutions. LLC  5540 N Cumberland Ave STE 300 Chicago I received a letter in the mail or I should say a letter came with some else’s name and my address from Leading edge recovery Solutions on an outstanding debt of $1500.00 with Providian National Bank. They want this person to contact them to settle for half of what he owes. This is not the first time this persons name has haunted me over the same debt. First started about 8 years ago when Lena Han Law offices got nasty with me over it. They finally stopped and had peace awhile. I don’t know this guy and the debt was acquired with my SSN from what I was told years ago. Nothing has ever showed up on my credit reports. What a nightmare.

December 2009   Federal Bureau of Unsecured Loans they keep contacting me from different phone numbers. they sound Indian. They are very hard to understand and they tell me that i have defaulted on a payday loan. The company they say i had the payday loan, i have never heard of. I have asked for verification of the debt in writing and they say because this is not a normal loan, they do not have to provide me with this. I asked them if they were familiar with the FDCPA and they hung up on me. I have googled them and it seems they are a scam but they will not stop calling me.

December 2009   Goldman and Warshaw Quakertown, PA My lawyer has been negotiating with several collection agencies for almost a year this one will not let go. Now they filed a judgment on me.  I see they have been sued by NY state for false judgments  Any comments on them?  - they also have offices in NY.

December 2009  R S Clark and Associates, Dallas, TX  They seem to be very low key. They are on a lot of Texas customers reports. What do you know about this company?

December 2009  Reagin Law Group, P.C. for RPR Holdings, Inc.   Atlanta, GA  Roy D. Reagin, Jr. will soon be on the America's Worst Agencies list if other people could be notified of his practices. I'm in the process of trying to do this now. This clown was an associate for the notorious Fredrick J. Hanna. He(and maybe Fred) have started a new agency: RPR Holdings, Inc. assignee of Chase Bank. I have been unsuccessful in trying to locate a physical address for this Co. It is represented by Reagin Law Group, P..C. P.O. Box 502287 Atlanta, GA 31150 Phone-770-649-1000. email address: chip@reaginlaw.com  .Another member of this firm is: Panton Patrick Pou.
I have been a victim of this guy and have had $1373.00 taken from me by garnishment, had a Motion of Contempt filed and been harassed enough to the point I have filed Chapter 13 Bankruptcy. I just found Mr. Hibbs' web site and sent in a call for help. I hope I can soon see "The Light" at the end of the tunnel. Please pass this guy's name around so other folks do not fall victim as I have.

December 2009  Cardwork Services  This Company keeps hounding my father-in-law asking for my husband, the funny thing is my husband has not lived @ his fathers for yrs. They keep calling and then when he does answer the phone they either hang up or say this is not a collection agency and then they press this whatever # to be connected and its very frustrating!!! I have done research if your company goes to yahoo.com and puts in this # 1-877-487-5583 it will give you a long list of complaints!! My Husband does not have any credit cards and I do not either!! My husband is beyond belief and so am I!! THESE PEOPLE ARE CRAZY!!

December 2009  Independence Receivables Corporation Green & Cooper Attorneys LLP
615 Colonial Park Drive Suit 104 PO Box 1635 Roswell, Ga 30075 this is an another account of mine that has been thrown out of court without prejudice. and someone else has picked this account up. they did send me a post-judgment interrogatories of course i filled it out "yeah right" they are crazy. I have sent them a debt validation notice back in march 2009 have heard nothing yet.
GREENE & COOPER ATTORNEYS LLP  C/O KERRY B. MILLS "ATTORNEY"
"INDEPENDENCE RECEIVABLES CORPORATION"  615 COLONIAL PARK DRIVE SUIT 104
PO BOX 1635 ROSWELL, GEORGIA 30075

December 2009  Graystone Alliance, Buffalo  this agency has been calling every person with my last name attached (my ex wife said. they found people with my last name and started to call/harass) and at times pretending to be a personal friend etc... ..people I have not seen in several years and I'll assume people that do not know me- I have yet to speak to this agency over the phone --

December 2009  Norfolk Financial Corp/Forsyth Law Offices  Boston This is a company that should be on your worst list. The owner of the company is disbarred attorney Daniel W. Goldstone and I fought them for 2 years and finally got the case dismissed with prejudice. He uses a law firm, Forsyth Law Offices owned by Carl Brugnoli, a young stupid lawyer who talks tough in court but curls up into a ball 1 week before trial IF you fight him.

I along with many others have said that Forsyth Law Offices, originally owned by a former employee of Norfolk Financial, had the law firm for a little over a year and sold it off and then she moved to Washington D.C.. We say that seeing as the post office boxes are practically next to each other, both addresses are owned by Norfolk Financial, that Forsyth Law Offices is being run by Daniel Goldstone and he only uses Carl Brugnoli when he has to go to court. You never talk to a lawyer at Forsyth Law Offices either, you only get mail from them and it is never signed or has an attorney name on it. If you call either company, it rings at the same address with different phone numbers and different company names on the messages but the same people answer the phones all the time...shady I know.  So to start, the owner Daniel W Goldstone was sued for BIG money, read about it here...http://www.mass.gov/obcbbo/9453.htm

He only paid back a small portion, seems he loves to sue people for not paying their bills and he can't even pay his, close to $1,000,000...  Read about his abusive practices here, here oh and there is PLENTY of dirt on this guy. Most of it starts on page one but page 4 is the icing on the cake.
http://www.boston.com/news/special/spotlight_debt/part1/page1.html
http://www.boston.com/news/special/spotlight_debt/part1/page4.html
http://www.boston.com/news/specials/debt/part1_sidebar/

He is still not licensed in Massachusetts and the state does nothing about it. He claims he is a debt buyer and doesn't need to be. If the attorney he uses is as dumb as him, it is only a matter of time before he gets disbarred too.  Hopefully this will make it to your list.

November 2009  I F P, Inc,  Integrity Financial Partners  4370 W 109th Street, Ste 100 Overland Park, KS 66211 (913) 312-3333  866-594-8641 866-951-8056 816-949-8511 816-949-8528 816-949-8529   

A.L. Summerlin - Chairman of the Board      Nick Petrini - President & Chief Executive Officer
Teri Strahine - Chief Sales & Marketing Officer   Brad Lantz - Chief Operating Officer
William Diederich - Chief Information Officer   Greg Ferrall - Vice President, Sales & Marketing
Ronda BlairRossi - Vice President, Sales & Marketing   Sergio Martinez - Vice President, Sales & Marketing

November 2009  AmeriCol, Canyon Country, Ca  I started getting calls from this agency a couple of days ago. I found out who they are by telephone number. Talk about small-time! This "5-10 employees" agency has four "executives", Jeffrey Funicello, Jay W. Smith, Tim Ackerman, and a W.J. Robinson. Oh, did I mention that their web site is down because they didn't pay for it? Did I mention that per a financial site database, Americol is 60 days past due on 38% of their trade lines, 30 days past due on 43%, are in collections on two tradelines, and have three civil judgments? This is out of 6 trade lines.  They were also kicked out of ACA for non-payment.

I would fax them a copy of my DV letter regarding whatever the hell it is they are calling for, but they don't seem to have one, so CMRRR it is.  AmeriCOL Inc., a collection agency in California.  PO Box 1001: Canyon Country CA 91386-1001

November 2009  Tate & Kirlin Associates    Philadelphia, PA I haven't seen these guys on your list, but have found numerous complaints about them on-line. One of the numbers they use is (866) 923-5193. They are located in Philadelphia, PA. Any info on them??? They seem like bad news based on what I've been reading. 

7307 Frankford Ave Philadelphia, PA 19136  800-355-0333 215-464-4500 877-672-5070 267-672-5071 800-298-3600
www.tate-kirlin.com  They have a call center in India

November 2009  Financial Management Systems   Elk Grove Village IL This company wants your social security number - they are scammers!!! They say that the US Govt has hired them to collect a debt and need you to fax your social security number to verify the debt but they will not send you any information or tell you what the debt is for. BEWARE!! These people love to cuss at you and threaten you!

November 2009  Thomas, Thomas and Wichterman. Salt Lake City First of all they called my sister to get a hold of me. Second of all when talking to the collector he was nice. but, he lied about some details of my payment the year I got my card. Thirdly, he was acting like he had knowledge of my husbands job and how he can loss it by bad credit. My husband isn't even a co-signer. ohh they tracked me down on "FACEBOOK".

November 2009  GVA, Rochester has called family, friends, and finally me. I called them back and Wendy answered the phone and would not give me her last name nor why they were calling. She transferred me to "Matt Cohen" who after 10 minutes of him asking me for my social security number and address, phone, and who I was finally gave me his name and address of GVA. He would not supply me with any information on why he was calling. I let them know to stop calling me, family and friends, Supply me with written notice of any debt, to stop calling before 8am as I am not on the east coast as they said I was. They said I would have to call them and let them know where I was? uhhh what? Wait who are you again? And why are you calling me I ask? Once again Matt could not answer. All they ask for is your social security number and personal information which I would not give anyone over the phone if they can not tell you why they are calling and for what purpose. Matt said at that point that he had 100 social security numbers today given to him. I then congratulated him and told him AGAIN he was not getting mine. I let them know if they can not supply me with written notice of why they were calling and or answer my questions of why they were harassing me and breaking these laws which they claim they are not then stop calling family, friends, and myself. I put them on notice on a recorded line of all of the above information and let them know the next contact I will have with them will be with my attorney. Btw I let them know they were on a recorded line and suggested they have one as well. They wont.... as they are breaking to many laws. Look it up before giving this scam any information. Thanks for the forum. It serves a great purpose.

November 2009  MIG CAPITAL This is the same company as Tyler and Morgan, T&M which is a very bad agency. Donna Shanor-Gonzalez is no longer involved in this company due to the damage it has done to her reputation. The president ceo, her husband Israel Gonzalez is currently running T&M and allowing collectors to break every law until the MIG capital goes into effect. Gonzalez being that his reputation and the lawsuits that are against the company now, including several class actions suits he has chosen to open this new company under his family members names. If you go to the website of sunbiz.org you will find his mother Gladys Martinez, sister Maritza Scilla, and his brother Michael Martinez are the owners. Whom all live in new York not Tampa and have never had anything to do with collections, so clearly we can see that this is a shift of company name and ownership to get away from the T&M name, but Gonzalez is still running the company and the collectors are still the same which means all the things you read on line about them will continue to happen. Oh but you will have to search thru several google pages for all of TT&M dirt because the owner israel has paid over $5,000 to a computer wiz to get a lot of his bad stuff moved down to pages 3 and 4, because statistics show that you usually stop on google after page 2. Google lawsuits against T&M also Google complaints on T&M and make sure to google their main line which is 813-463-1066 813-463 1069...There are hundreds of numbers they buy -- when one becomes hot with complaints they switch the numbers. Also, the real bad collectors have their own phone number.

November 2009    Diaz & Associates, Santa Ana, CA   This company says I owe money to a credit card I don't ever recall having. They have called me over and over again for months. I have my cell phone records for proof. Now they are calling me at work even though I have told them not too. In fact, while I was out on vacation, they called my job, got the name and phone number of my boss, which is at a different location, and asked her what was the best way for them to serve me at my place of employment. They deny this ever happened. I am looking for the example letters to use to report them to the government and to send them a certified letter demanding they cease all communication with me. Sorry for the double submission but I forgot to change the state.

November 2009    Rubin & Yates, Williamsville  This collection agency or law firm just left a threatening message on my voicemail that if I didn't call them back that I could be prosecuted.

November 2009    Profile Recovery Group  I feel this company is trying to scam me regarding a payday loan I took out back in 2001. They called me over a year ago and now just within the past two weeks they have called me again. Seems like I deal with two people every time they call and when they leave messages it says they are "Sandra Law" but when I talk to them they say they are from profile recovery group and I have talked with an Erica Jones and Alexander Stafford.

November 2009    International Judgment Services 312-265-5147  I believe this company scammed me. They convinced that I owed a company money from a paydayloan I took back in 2001. I checked out their website and felt it was legitimate. I paid them. I believe I was scammed as I can not get any response from their numbers now and their website is no longer available.

November 2009    Pro Debt Mediation, Florida  Told me they weren't going to do debt validation because they said it was a delay tactic. Said I committed Internet Fraud. The guy hung up on me. I told him I was going to report him. Very rude, and yes it sacred me, but I know the FCRA rules and I intend to speak with my State's Attorney General as well as Florida's.

November 2009    Western New York Capital  So my debt is apparently bouncing around at this point; the newest set of bottom-feeders to contact me are from Western New York Capital. I received a phone call from a private number, which went to voice mail. A woman who called herself Diane, and claimed to be a process server, stated that she was going to be in my area on Saturday to drop off sealed paperwork; she could not give me any information, but stated that she had paperwork for my current roommate as well. The only information she said she could give me was the phone number - which turned out to be WNYC. After taking a look around online and finding out who they were, I went ahead and filed a complaint with the FDCPA.

When Monday rolled around and no one had served me (duh), I called WNYC. I identified myself with the minimal information required, and proceeded to let their agent talk himself into a corner about how they were putting out a felony warrant for me, and that was the paperwork I missed getting from the process server.

I then explained that that I had been home all day on Saturday and Sunday and no one had stopped by, that I was well aware of the fact that my state requires that criminal warrants be delivered by law enforcement, not a process server, and that I had reported his company to the FTC, to my state's finance board (as they are not licensed to collect in my state), and that I would sending a complaint to the NY Attorney General's office - and would he like to give me their mailing address so I could send them a copy?

At that point "Jim" back-pedaled and demanded to know if I was recording the call; when I told him that I was not required to answer that question, he hung up.

November 2009    Receivable Performance Management  I called there number and was treated pretty nicely until I told Latoya, that the account she was talking about had 2 problems, Oh there is no problem on our end she says. I go ok don't say a word for 2 minutes and you might learn something, she actually did not say anything, I was shocked) I told her Pg&E was not supposed to bill me for the month they are trying to charge me for as I cancelled service, that and the debt is way outside SOL (it is from 02) she claims acct was still open in 06. I told her NO, that is when they sold the debt. The address on acct is from an address I have not lived at in 7 years.She says well we go by the last payment and it was in 06, I ask what the date was, she hesitated just s bit Feb 06, I laugh and tell her I was in Argentina from Nov 05 to Jan 07. so a payment would be near impossible. She then gives me the, if you don't pay today it will go to litigation, I say go ahead how are you going to prove a thing, you have nothing I have all the Aces and all the proof I need to win. So I will wait to see if they are dumb enough to spend money for a $238 debt. Remember be informed when you talk to these people, if you get a surprise call, tell them you will call back. Get all your info ready and write out questions and even a little script so you wont get lost in thought when they start the yelling, or talking over you.

November 2009    Diversified Collection Services, California  Can't believe you don't have more information on this company on your site. Even on tax bills, they have to obey the law and provide the requested paperwork. Don't let them bully you.

November 2009     Oliphant Financial, Florida These people wrote me in Sept, I requested validation and they sent back a letter stating that they have requested documentation from the original creditor and will forward it to me when they get it. Now, I just got a letter from them, stating that they are the owner of this alleged defaulted debt, and want me to settle this for 30 percent off. I can make 6 month payments, but I have to hurry this offer will not last AND will not be offered again. GIMME A BREAK. Still waiting for validation. Whatever you do, do not deal with them or any other collector until you get validation.

November 2009     Pressler and Pressler, Cedar Knolls, NJ Typical sewer-law crap - managed to get a default judgment on a debt out of he statute of limitations by NOT serving me. Now it's six years later and they have tapped out my bank account. Why does is only in NJ is consumer law so utterly convoluted? Just so you fellow NJ'ers know, you are permitted to claim a $1000 state exemption of your assets and cash; has nothing to do with federal fund exemptions (Social Security, Unemployment, etc), it's your right as NJ resident. My suggestion is to use it. It's the only way to get my frozen assets back, and nothing is in my name anymore!

October 2009     Associated Recovery Systems, Escondido, CA This agency tried to collect on a debt that had been paid in full in 2001, of course they would just talk over me and used belittling remarks like, you should be ashamed for not paying debt, your just lazy and dont want to work, she said the latter when I told her I was disabled. At that point I told her I would send her a C&D letter and if they wanted to spend there time to try and prove a case against me I would gladly appear in court. I have gotten 3 more calls but ignored them as court may be the best and most fun thing for me

October 2009    A C Corp, 'American Collection Services'  Called me at my workplace ... A C Corp on caller ID identified himself as Joe Day asked for my son, said he was helping him on some personal business... left 1-800-657-7318 EXT. 231 as a call back number They call from 405-601-4030 or 405-608-8088. When the guy Joe calls he has even used my last name saying he is a family member trying to get a hold of me. Has even called the neighbors, my kids, all of my family even has called my boyfriends family, and i don't understand how they got all of the phone numbers for these people. If you call them they want your SSN your address and your full name spelled out. If you are a bill collector shouldn't you know my SSN.

October 2009    Rawlings and Rivera or RRI  Atlanta, GA  Verbally abusive, will not provide written notification or itemization of debt. Require immediate payment via Western Union. Threaten to ruin your credit and take you to court.

October 2009    McCullough Payne & Haan, LLC  Atlanta, GA  Got a complaint today - delivered by the sheriff's dept - from Arrow Financial Services, LLC over $4K. I have no idea what this is for! The Affidavit in support of plaintiff's claim states that it's for GE Money Bank. My soon to be ex-husband says he doesn't know what it is either. So - what do I need to do about a complaint filed with the county? Can I just submit and file my response saying I deny this complaint? HELP!!  You have to answer that summons or they'll get a default judgment.  Contact Bud for referral to a consumer attorney in your area.

October 2009    Zakheim and Associates, PA  Mine is probably a familiar story- working at the American Dream, then the economy goes south and I'm left "low-paid" at first followed by unemployed in a matter of months.

Citi-Bank has sicked their "Florida" junk-yard dogs at Williams & Fudge to come after me for a $2600 account.

I've never answered calls from the people and I would receive 2 or 3 "pay this or we take you to court" letters- none of which were certified- so they have no clue whether I received them or not...

Well- I have to go to a remediation [read as: "Guilty until proven innocent in a court of hacks bending towards the side of the prosecution..."

I'm unemployed- I'm trying desperately to find work, while my school-teacher wife holds us [barely] together and in order to keep a roof over our heads I can't afford to have these bastards providing a "Pole Position" to being paid 1st when I'm fighting to keep the mortgage.

Times are desperate and I've quit nothing in my life... I only wish my creditors & my employer hadn't "quit" on me.

October 2009    http://onepaymentlaw.com/index.php  I am curious about this company. It advertises itself as a "Debt Settlement" company, but it seem more like someone has found a clever, tricky way to collect debts without having to validate the debts and thereby bypassing the FDCPA. The company is run by Thomas H. Hanna, Jr. (NY bar #2479053)

October 2009    1st IRS, Houston, TX  This collection agency poses as a law office. In fact, whenever you call, the receptionist answers "Law Offices" -- but does not identify the name of the law office. I spoke with a Mr. Porter--who claims to be the office manager. They have harassed me on numerous occasions. I asked for documentation to verify their handling of the debt in question and they refused to provide it. They never sent anything via the US mail before they started calling me. PLEASE INVESTIGATE THIS AGENCY.

October 2009    Empire Collection Authorities, Inc.  PO Box 1196 Aberdeen, Wa. 98520-0236
These guys are fronted by a man named Ray Green, probably an alias. They "specialize" in field call services, whatever the heck that means. They openly claim that they scout out peoples homes and basically spy on them to see the "status" of their assets. Disgusting. Are these guys the same as the New York based Empire group? These guys are harassing my girlfriend and using all the same , illegal tactics of lying, intimidation, and I'm terrified they might sue her. We live in Washington State in Olympia, The Empire Collection Authorities , Inc. are located in Aberdeen, Wa. They claim that they do photo surveillance on assets and vehicles. The car is in MY name so I don't think they can touch that, but how creepy the thought of being spied on! They also hire "at-home" collectors, in the local area. They appear to be building a web of "cell" like collector groups throughout the nation.  Thanks in advance Mr. Hibbs. Warn your readers about this group.

October 2009    Realtime Resolutions, Dallas.    Were they nice to you?  You left no comments.

October 2009    Ranger Financial Services B2B  My company hired Ranger Financial Services to collect a debt from a long time customer that was getting out of range on past due invoices at more than one property. Ranger Financial seemed reputable at the beginning and we were going to give them a shot. What came next can hardly be described over the internet. They contacted the customer, an apartment complex, and used tactics that were beyond any that I could ever imagine being used. They contacted several of the sister properties located across the USA and used the same tactics.

These tactics include: pretending to be a lawyer, making sexual comments, using abusive language, threatening to contact vendors and customers and tell them that they are a shady company to do business with, and making repeated phone calls and tying up the customers phone lines.

After the harsh treatment, the customer refused to work with Ranger Financial and contacted us instead. Once the customer told them that they refused to work with them Ranger Financial began to call us and harass us in the same manner that they did the customer.

We reached an agreement with the customer and they paid us the money they owed us. Ranger Financial couldn't deal with the fact that they blew the project so they threatened to sue us for breeching our contract with them.

We did pay them their money, even though they really didn't deserve it.

I suspect that they are using this extreme tactic to make their transaction win/win for themselves. They will either get their cut from a successful collection, or they will get their cut by threatening to sue the company that hired them in the first place. I can only imagine that most of their transactions go down like this.

If you were my customer and were treated like this, wouldn't you refuse to deal with the collection agency and instead work directly with your business partner to resolve a debt? I know I would, and that is EXACTLY what Ranger Financial wants you to do so that you will be in breach of their contract and they can get paid for their unsuccessful collection attempt.

We gave Ranger Financial their chance, and they blew it. A simple web search of their company would have revealed exactly what was coming. Lesson learned on our part. Don't be a victim to this company.

October 2009    Diversified Collection Services, California  Saw the note on DCS - New Mexico Tax and Revenue is coming at me through them.  Be interesting to see what documents they have with any proof of a non-existent 7 year old tax bill.

October 2009    Diversified Collection Services, California  Diversified Collection Services Inc.  333 North Canyons Parkway Suite 100   Livermore, Ca. 94551  925-960-4800 Main phone  925-960-4880 fax  www.performantcorp.com Bud, when are these slimeballs getting their own page?  New Mexico hired them to bring in a un-verified, no document, made up tax bill that is out of statues.  I had already put NM on notice and now, it looks like DCS is next.  If it ends up on my credit, I've already spoken to a Fair Credit attorney in LA at myfaircredit.com that says this is an automatic payoff for me.

Think they deserve their own page?  Keep us apprised of how they handle this case, maybe they'll earn one.

October 2009    Stephens & Micheal   Jennifer Lions)  In NH
They call from numbers 866 201-0940 X 2907 and 866 679-9649 and that calls from lady name Jennifer Lions and she says she is from the firm of Stephens & Micheal I think say is trying to claim to be a Law Firm but they are a collection agency.

October 2009   Profile Recovery Group, maybe known as

PMI and Associates  Columbus  Received a call on my cell phone, home phone, and a co-worker received a call on my old work phone that I have not had for over two years where a message was left telling me that a settlement have been reached on my file and that I or my counsel must call their office at 614-586-4357 to find out what the settlement is.

Previous phone calls have indicated that a civil claim is being filed against me in my county and I have also been told that I am being transferred to their attorney who will not disclose his name or bar number. I have been told that they are contacting Human Resources at my office and that they are going to garnish my wages.

No address will be shared in the conversation even agter repeated askings and nothing is ever mailed to me.
They refuse to talk to my legal counsel even when they are called back by them. When asked what debt they are collecting on, they will not disclose this information and will not provide fax numbers for POA's to be sent.  This is a horrible company and someone needs to put them out of business.

October 2009    Attorney Laurence Hecker  These people are NOT attorneys! they call me at work every day -even though I have told them not to. I am no longer answering their calls because all they will say is that I will cooperate with them or else. Or else what?? Will not give an address and are vulgar and rude!

October 2009    Avante USA  Houston  This agency is attempting to collect a paid in full/never late contract with Bally Total Fitness. I receive multiple calls from them on a daily basis. The first 6 calls, I advised them that they are not to call me at work and that any correspondence be done in writing - in addition, telling them that their records are seriously mistaken, that the contract was fulfilled within its contractual terms. I even had one of their agents ask me to send them a copy of the original contract for their records (which I of course hung up the phone after their asking that question)! I now just pick up the receiver and place the phone back on the hook when this agency calls. I'm waiting for them to post on my credit report or try to sue me so I can go after them.

October 2009    Goldstein and Associates   Tampa, FL Many caller ID calls from 813 994 0215 with no message (later given to me return call 866 956 6183) Again, no messages just extended obnoxious background white noise on my message machine several times each day.  Today I finally answered. The caller said he was collecting on a payday loan check Aug 4, 2006 later he said July 8, 2006 and that this was ready for litigation. I asked if he was an attorney and he said, "uh, uh, uh we have an attorney firm in our office. You are in the file for a possible litigation for a civil law suit" (I taped the conversation, apparently legal in AZ) (Mr. Reyes, Pre-legal department) I asked if they were a collection agency, he said, "We're a slash collection agency as well. We're giving you the benefit of the doubt if you wanna pay for it." Asked if I have a fax number or email so he could send me the information. I gave him a PO number to find out who they are and send my letters. He called me back shortly after I hung up with more "information" for me...trying to convince me or something since I have no idea what he was referring to. I have tried to search the name, numbers and have found nothing about this "slash" collection agency

October 2009    Ranger Financial  This company is the worst to deal with...we placed our faith and money in this companies hands to collect money and they lied and intimidated us....DO NOT give your bad debt collections to this company

October 2009    CACH and Law Offices of Andreu & Palma  I  was sued by these scum bag "attorney's" and lost. The wanna be judge sides with them every time! I watched her shoot every defendant down! SHE doesn't make these 'lawyers' prove a thing and it's soooo not right! When I demanded that they needed to prove it was my account, I asked for a signed contract and the judge said "oh, that's not needed anymore." She didn't even let them answer if they had one or not! How is that right? She's on their side straight from the get go! She only looks at their 'bill of sale' which does NOT mention ANY names NOR any certain account #'s, affidavits that say they are familiar w/debts made by so-n-so( the defendant) these affidavit are lies!), etc. She did not make them prove one stinking thing!!!! Seems kind of wrong to me!!!!Needless to say, in her court you are guilty until proven innocent, so she is allowing these dirt bags to win judgments! And they know it...so they're lining them up in her court room! And, as soon as they get a judgment, they file a lien against your name at the court and they also start trying to garnish your paycheck. My last laugh is that I don't have anything they can get! If they were smart, they would have done their research! IDIOTS!

October 2009    Portfolio Recovery Associates, LLC   1099C Game   Looks like PRA is playing the (highly illegal) 1099C game...a lot! It's time to beat them at their own game! They are intent on using the IRS to collect on what they claim are 'legitimate, validated debts', and laughing all the way to the bank...again. Not anymore. I predict a HUGE class action lawsuit coming down the pike, and hopefully this will put the nails in their stinking coffin once and for all. Since they cannot properly validate or prove validation on most (if not all) accounts they have already received a FULL tax break on, the same IRS they’re using to collect can AUDIT PRA as a result and see how they have pulled another ENRON scam. Paying pennies for paper and then charging off your falsely inflated value is not legal, sorry PRA! DO NOT pass GO, DO NOT collect ANY DOLLARS! GO DIRECTLY TO JAIL! Any credit agencies that have turned a blind eye to 'validation' should also be named in the class action suit. How about it NACA lawyers, others? David can truly topple Goliath with one stone if he just picks it up...

October 2009    Hoffman Weinburg and O'Brien Buffalo, NY  I was recently contacted by my parents indicating that Hoffman Weinburg and O'Brien was seeking to collect for HSBC debt. The calls came from 716-597-0889 however, I was told to call 866-450-5702 ext. 109 within 24 hours or someone would deliver a summons to my home or work and have my pay garnished. I contacted Stephanie at this number and her delivery sounded rather convincing at first. She indicated she worked as a par-legal part time for Hoffman Weinburg and O'Brien a Debt Liquidation Firm in Buffalo NY. I was even given a case number the amount of HSBC charg off in 2008 and other information all listed on my credit report. Unlike some of the others who have been contacted Stephanie was rather cordial during our conversation. I gave her an update on all the money I owed, my x-wife’s father owning a Law Firm, being homeless, having no mailing address, borrowing a phone just to call her, and all my medical issues and cost. During all this she was rather rushed and very impatient regarding the information I was providing. Stephanie wanted to refer me over to their Hardship department to see if they could lower my payments and put me on a low installment plan. All this after I pay my initial installment amount. To seal the deal she needed to have me call her back in an hour while she spoke with the Hardship department. During this hour I did the net search on Hoffman Weinburg and O'Brien and was well informed about the extortion scam that they were attempting to pull. Now you might think I would have not called them back. Nope I needed to have some fun and to check my facts from the net. When I called back Stephanie was all ready to give me the reduced payment amount. As I spoke to her I let her know that I needed something in writing because the information I found regarding their company was not very favorable. Stephanie then got a little flustered and started confusing facts about my case she had just given me moments before. I indicated that Buffalo courts were in the process of filling law suites against their company and I could find no pending summons in their court system with my name attached. I also indicated I had contacted HSBC and they knew nothing about this agency or their debt liquidation process (my little lie). Well this sent her over the top and in a nervous shaky voice she said for me to hold and she would be right back with me. I hung up. To follow-up I called my parents and had them put call block on their phone and explained everything. So beware to those brining false solutions without first validating the facts.

October 2009    Gillette & Paul, SLC, Utah   Gillette & Paul is a new one after me on the heels of Mann Bracken (callers keep hounding my 83-year-old mother for information about me) G&P called my place of employment for verification, and I happened to pick up the line. A man says he is an attorney named Mr. Johnson and has begun an asset investigation. Also stated he has sent a certified letter to my home today (10/13 and the "process" would begin on October 15th - which means I have to respond to the letter and send back tomorrow. Mr. Johnson claims to represent MBA, which I surmise is the former MBNA. This account is well past the SOL in my State having been inactive since late 04 or early 05.  What do I do? I can't have these people call me at work as the rumors would fly! And calling my elderly mom is cruel.

October 2009    Card Works Services, Pittsburgh, PA  Pay Day Loan Collectors  877-487-5583   Google searches return consistent identity associated with this number as Merrick Bank. There are so many people harassed by calls from this number, I'm surprised it's not well documented here (yet). Hope to see more info on this soon.. if any is available, please feel free to contact me by email. Thanks for all your hard work!

October 2009    Rausch, Sturm, Israel, Enerson & Hornik, LLC Minneapolis  Send threatening letters, call you at home and work threatening a lawsuit for payment, automated phone calls at all hours of the day that just have a recorded message saying a phone number to call them back for an important message. Bottom feeders that find a 7 year old debt and go after it!

October 2009    Rawllins and Viveria Atlanta  I received a call from these people. I have received 7 calls. The first two said that it was an important legal matter. the last 5 was I had better get a lawyer if I was refusing to call them back. They left these massages on my work phone that other people have access to. I can't find an address and I have received no letter from them. What else can I do?

October 2009    Routhmeir Sterling Inc. Cedar Rapids   Company violated the Fair Debt Collection Practice Act by repeatedly calling me about my ex wife's debt, once claiming they were from an attorney's office, another time saying they worked for the Johnson County, KS Sheriff. Judy Deitrich and Todd Cory have both called my personal phone. Todd Cory has also called my Aunt in Minnesota about this. At first he said he was trying to get in contact with my ex wife about the debt, now they are saying I will be getting served by the Johnson County, KS Sheriff if I don't pay HER debt. I don't even live in Kansas! Both Judy and Todd refused to give me their last names or the address of the business, just the business name. I found the rest online, along with several other complaints against this company for their debt collection practices.

October 2009    Rausch, Sturm, Israel & Hornik S.C   Milwaukee.  They took me to court for an alleged Target debt and didn't show up. The judge dismissal the case with prejudice. When I looked at the court papers and what's on line, their name is no where to be found on the documents. Target is there and a local lawyer, but apparently they are not listed. The best thing is the state Att Gen and the BBB know who they are and NOW they are listed in the state.

October 2009     Greenman & Donahue aka   International Portfolio Management aka  Rosenthal & Colby aka

Alden & Associates aka  Debt Management Services    Two Buffalo debt collectors could face decades in prison for a fraudulent debt collection scheme http://www.buffalonews.com/437/story/816187.html

October 2009    Marval and Associates   Long list of violating laws regarding collecting debt. Intimidation, cursing, threats of imprisonment, giving personal information out to people, etc

October 2009    Rubin & Debski P.A. Jacksonville, FL,  Suing for Capital One Bank. Letter from attorney states at bottom they are debt collectors yet name Capital One as the plaintiff. I never received any attempts to collect from Cap Ine or Rubin & Debski. Last payment to Cap One was over a year age Sept 08. This was a charge off. R&D never responded to debt validation after 30 days, sent second letter ir was ignored as well. this was in May of 09. Discover suit filed against me on 9/24/09 after receiving lawyer solicitations in the mail. Summons issued 9/28 I received it Oct 3 with a court date set for pre-trial 10/20/08 Nothings attached to summons or complaint other than a barely legible credit card agreement from 2005 that is unsigned. That's it. They failed to follow court rules right off the bat. I am fighting back Pro Se. Basically they ignore everything and feel they can do whatever they please. I doubt they are assignees from Cap one and intend to prove it.

October 2009    ThinkCash/PaydayOne, Fort Worth Texas Not a true collection agency per se, but their collections department is so overly aggressive that you will wish you never heard of them. I made the idiotic decisions to business with a "payday" out fit. When you are out of money desperation steps in and you make mistakes. When I had to close out my bank account Paydayone's monthly deduction got refused and they were on the phone the following day. After that, their system called me 3 times per day, even after I told them I no longer had a roof over my head or a bank account and that things weren't likely to change in a 5 hour period (even the employee who called got a chuckle out of that realizing how ridiculous it was). I had to ask for the address so I could mail out a cease and desist letter to stop calling. Luckily I get disability payments which they can't touch. My main complaint is the totally unreasonable amount of calls they set up in their automated system.

October 2009    Monarch Resolutions They called left a message on the answering machine which has no identifiers (generic outgoing message), so first of all he did not even know if he had reached the right number. let alone the right person, a gentleman identifying himself as Attny. Kraus claimed I had 2 files sitting on his desk with my name (and listed last 4 of my social) stated I, or my legal representative must call him immediately or a decision would be made on my behalf. I have no idea what these debts supposedly are as there have been no previous negotiations, or collection attempts by them regarding the alleged debts. In fact, these people have never contacted me before. I believe there is a chain of actions any debt collector must go through in order to attempt to collect a debt prior to getting it into a court setting, and furthermore aren't they supposed to verify that they are speaking to the correct party when discussing any debt. I attempted to look them up online, this was the only site I could find anything about them at all http://800notes.com/Phone.aspx/1-800-748-3513. From what I read these folks seem more than a bit shady. Also please note no street address or email was available to me at this time and I am going on what was written by someone on the site I found who stated a Mr. Graves gave him a PO box address based in New York. I will be contacting my attorney on Monday regarding this (I am sure they won't be expecting a call from a real attorney). I am presently under a great deal of stress, and I consider this sort of tactic nothing more than harassment adding to my already high stress level.

October 2009    Monarch Resolutions, Prism Resolutions North Tonawanda, NY   Bud, The NY AG went after Jon Hummel & John Yim as TriFinancial in June. They now have a new name and location. Prism Resolutions  John D. Yim (CNE Associates) 3397 Niagara Falls Blvd.   North Tonawanda, NY 14120  Ph: 800-613-0803 800-613-0802  Fax: 716-692-2151

Another address I found for Yim is  281 Brentwood Drive  North Tonawanda, NY 14120  He put it in Mary E Yim (wife) name. They are still doing the phony affidavits & bill of sale. Warn your readers that this is a rip-off.

Also Known as Eclipse Resolution, Vision Credit

October 2009    Financial Accountability Association  310 598 1752 These people call about 50 times a day. They say if I don't give them money they are going to rape me and kill my family. They wont leave me alone Also please Google 310 598 1752 and 810 676 161 happening to others as well

October 2009    Law Offices of Nelson and Kennard  These people used the court system to get a judgment against me on behalf of Ford Motor credit. They served me at an address I don't live and called it subserving. I did not find out about till SOL expired. Now they have a wage garnishment against me. I agree I owe the debt but not 42k including interest and fee's. It was only 8900. These people are bottom feeders and I will file a complaint with the state bar and FTC.

October 2009    Thomas Lee and Associates  company calls and threatens arrest and jail time for payday loan debt that is out of SOL

October 2009    Farrell and Seldin, Centennial  I have been dealing with these outfit since July 2009. They have ignored all my requests for verification, sent copies of a bunch of statements. Nothing they say is correct. Now they have threatened with a lawsuit, and I realized the summons does not have a case number and they claim to represent Capitol One who according to my credit report, charged off this debt. Several of the statements made on the affidavits they copied to me have blatant lies in them.

October 2009    CR & Associates, Greenville  This company has called a couple of time, first my mother now me at work, threatening to issue a 1099C to the IRS. The debt was back in March or May, 2003, I think their rush is the 7 years is running up and they are threatening any measures possible. they actually caught me at work and of course was very nice, then when i proceeded to tell them i knew what a 1099c was, he got a little rude..... and this was never "income"

October 2009    Global Corp, Williamsville, NY  I received a phone call from 866-577-5827 but it came in as a 3 digit number on my phone. The caller left a message demanding a phone call back within 48 hours or they will be suing me. So I phoned back trying to find out what it was about, the person I spoke to, Trenton kept asking me for my SS # so he could verify who I was. I said I am not giving you that over the phone, I don't know who you are. He kept asking for my SS# and BD and I kept refusing. I said tell me what you have listed and I will let you if that is mine. He said he couldn't tell me. So I said this call is being recorded and he said you can't do that and said he was putting down that I was not going to pay and send for further actions. Never knew what account he was calling on, no account number either. Then he hung up on me. I did get their mailing address: Global Corp, 300 International, Williamsville, NY 14221

October 2009    National Asset Recovery Services St Louis On 09/11/09 left a robocall voice mail on the general mailbox at my office, which the receptionist listens to, advising that they are not a sales call, they are a debt collector and that I needed to call them. I immediately faxed them a C&D, I had no time for mailing it as anymore of these voice mails left on my work phone could jeopardize my job. Didn't hear back from them until today, 10/01/09, received the same robocall voice mail again on the general mailbox at my work.

October 2009    First National Collection Bureau 610 Waltham Way, Sparks, NV 894343  There is a new kid on the block, FNCB Inc. purchase an account from either Galaxy Portfolio Management and/or Asset Acceptance, llc. on a 7 years old account from Household Bank that has been deleted from all of my credit bureaus. After 7 years they are trying to re date. I am in the process of a cease and desist over the statutes of limitations.

October 2009    Ranger Financial Services B2B    Richardson, TX  I got out of the car business in December. Went to work for this company for a very short period of time. My red flags were numerous on how they operated. the script was what they held their standard to. When you did get a company on the phone and identified an outstanding debt, you went down what they called a pain funnel. A code 14 was false information on the company about their credit and who else they owed. The pitch goes until the customer either gives in or they hang up. Then I noticed they did not pay the companies in which they collected for. Ted Johnson is really Mark Wolff. All built on lies and bullying. It's 3 months of my life I will never get back. Also, they run off of a very short cash flow. The blogs are numerous on these guys

October 2009    Synerprise Consulting  Dallas, TX  Here is a new one to look out for - (i.e., I can't find any reference to it here)   Synerprise Consulting, 2809 Regal Rd., Ste. 107, Plano, Tx. 75075 (972.985.0100)

His calls come from 913.262.6580 or 866.407.0200 and he leave a very friendly message, like an old friend, in the area for a few days, and would like to meet up again. he asks you to call him at 972.407.0200. If you call you will find out it is a collection agency - probably a bottom feeder trying to collect on very old accounts.

This is a flagrant violation of the FDCPA and I am reporting him to the Texas AG's office and the FTC.

Here is the information on them:  SYNERPRISE CONSULTING SERVICES, INC. 5651 BROADMOOR ST
MISSION, KS 66202-2407

Registered Agent: MICHAEL R. DOREY   500 N. AKARD, SUITE 3500  DALLAS, TX 75201  State of Formation: TX   File Number: 0800113775   SOS Registration Date: August 19, 2002  Taxpayer Number: 10616437298

TREASURER MAUREEN COURTNEY SHAWNEE , KS 66216

DIRECTOR MAUREEN COURTNEY SHAWNEE , KS 66216

PRESIDENT RICHARD MCCOY OLATHE , KS 66061

DIRECTOR RICHARD MCCOY OLATHE , KS 66061

VICE PRESI RON H BOESE  2809 REGAL RD SUITE 107 PLANO , TX 75075

DIRECTOR RON H BOESE  2809 REGAL RD SUITE 107 PLANO , TX 75075
 

October 2009     COHEN, MCNEILE & PAPPAS  Kansas City  When you hear from them you think that you are actually dealing with a legit law firm - call their phone #, and they are indeed a collection agency. I wonder how many innocent people have been ripped off by them. Perhaps a complaint filed with the FTC, State Attorney Generals & Kansas/Missouri Bar associations would be in order?

October 2009     CCA, Norwell  Called and said they had an outstanding college loan from over 10 years ago called the school no such record and was never sold to an agency. Asked agency to produce original note and they got nasty with me saying they would take care of it over the phone before I go to jail. Asked to cease contact they still contact me on a daily basis. Filled with FCC and AG office.

October 2009     IC Systems, St Paul, MN  Strange call from a woman claiming that I owe on a car that yes was reposed from me 2 years ago. I had a deal where a roomie wrecked my car and couldn't take a ding on her insurance again. Bought me a different car to replace the one she destroyed. She stopped making payments and didn't tell me. No pay car loan = repo...no big it happened. But this person is calling telling me that I financed the car and I am the one responsible for the remaining price. No way I can be I wasn't the buyer.

October 2009     IC Systems, St Paul, MN  A very nasty collection agency. Best way to defend your self is document every thing, record calls (you have to tell them at the beginning of the call to make the recording legal in MN and TX. Send a Cease Communication letter certified with a return receipt. Log all calls and voice mails, save every thing!!!! Then hire a lawyer (many will take the case no charge to you, Just research on line many out there) Let the good times roll and laugh your a** off all the way to the bank!

October 2009     1st Integral Recovery Services Houston, TX  Calls come in from a 713-777-2500. Caller answers Law Office. Refuses to give address. Internet search indicates an address at 9898 Bissonnet in Houston. Attempted Fed Ex delivery for a cease and desist notice, at that address and Fex Ex notes indicate that they have relocated.

October 2009     Lieberman, Michaels and Kelly   Buffalo, NY  They call themselves a legal outsourcing firm and say the FDCPA does not apply to them. The fact is they are a third party collection agency. They make threats of loss of driving privileges and check fraud charges. Their specialty is collecting old payday loans! One collector actually posted a persons personal info in a comment line after an article about them.. Please read http://tinyurl.com/limike It tells all!

October 2009    Cohen, Connelly & Krane LLC I received a letter in the mail from these people. They said they obtained the rights on a delinquent debt of Fleet/Bank Of America. They said I owed $ 5,071.25 but are willing to accept 20% of the debt-$ 1,014. I should consider this as notification they intend to collect the debt. This debt is past the statute of limitations in our state. This is will over 10-15 years old. I filed a complaint with FTC today. Have you any more info on these people? Has anyone else dealt with them?

October 2009    The Bar Group  I was contact by someone named Julie Waters on both my work phone and cell phone stating they have been trying to summons me. I called the number and the first lady told me I was being charged with check fraud I explained to her I was going to have to call her back because I needed to record the phone conversation. She hung up on me. I called again and spoke with a Zachary Hacklett and I asked him for the companies license number in the state of California and that I was not going to settle anything for a payday loan from a company called payday loan yes. He told me I could find the information on-line which was not there. I called again and asked for him and they continued to hang up on me. So I called a final time and they stated that management said that if I called them again they would file harassment charges against me. How ironic are they. It goes to show if you treat them the way they treat you THEY feel threatened.

October 2009     DSC Collection Services, Inc.   These "people" have my defaulted student loan and of course want to collect, that is what they do. What they don't do is negotiate. I have tried in numerous phone calls to set up a rehabilitation program (like many web-sites tell you is an option) but these "people" will not engage in a conversation with me. Instead, they keep shouting these outrageous demands that a poor girl working at a non-profit cannot possibly meet. Can they garnish my wages? Is this rehabilitation thing a myth?

October 2009     Reliant Recoveries   This company is ridiculous they make the phone ring off the hook looking for my Son. The phone would ring non stop until 10 PM. They ask for  my son I tell them he does not live here they then hang up. I would get a call again. The would leave messages as well saying they are doing a review on employment, assets and bank accounts for a lawsuit. I called my son in Dallas and he has not heard anything about this. Then we started to get letters stating the same threats: "this is Pending law suit and looking at seizing assets, garnish wages." The debt was a old capitol one card charged off in 1998 way past the SOL in NE and TX. Original balance was 3k they are looking for 7k. After receiving the two letters the phone calls stopped.

Now fast forward two weeks the calls start up again intensified with threats such as giving 48 hrs to call back or else this will be forward to an attorney in your local jurisdiction. Then I got a call from a Julie Brooks on the answering machine asking for a conference call at 5pm with my son Brad or someone in the house hold. I wanted to give them one last warning to stop calling my house. The call happened she was looking for Brad for a serious legal matter, I told her Brad has not lived her for 8 years stop calling. Well after that call we started getting restricted phone # on our cell phones stupid us we listed our cell phone # on our home phone answering machine, then we started to get text messages from them. Then they started to call my daughter and son in laws house. My good friend who is a deputy from the sheriffs department called them to tell them to stop they laughed at him he said you can call my dispatcher and see how serious we are. The deputy gave them a warning telling them harassment charges will be pressed if the calls/text messages continue.  I would say we have received over 100 calls from them, they told my daughter that your brother is in serious legal trouble and we need to make contact with him, she said what for them went on saying he owes capital one for 7k if he dose not corporate they will sue and with costs it will be a 14k judgment.  Hang onto those letters and messages.  A good consumer attorney would love those.

October 2009     Associated Creditors Exchange, Inc. Phoenix  I recently got a phone call at my job from a Martin Garcia from a.c.e. and he said that the conversation was being recorded and that it was an official attempt to collect a debt and I told him ok that was fine proceed. During the conversation with him I was calm and polite and I think it made him mad and eventually Irate with me. He got to the point that he kept repeating that I'm just refusing to pay and that he was putting it on my credit report as we were speaking. Eventually after trying to reason with him he finally slammed the phone down in my ear mid sentence and I guess when he did he also hit the speaker phone button or something and when I realized that he couldn't hear me but I could still hear him. During his ranting and boasting to his coworker he was talking to he called me a stupid MF who was refusing to pay and a few other choice names but I got another coworker to pick up another line to hear all of this and while we kept the line open I called A.C.E. back from my cell phone and when the lady screamed at Martin Garcia Mr. ********** is on the line for you Martin said what the hell does he want! He finally answered the line again and when I told him what happened he refused to talk with me and said that he was hanging up on me now. So I called back and asked to speak with a manager and The voice of Mr Jordan Gulley sounded just like Matin Garcia. But Jordan Gulley said that he would have a talk with Martin Garcia about his bad attitude he said that he was just aggravated.

October 2009     Rapid Recovery Solutions Farmingville  My company had a dispute with one of our vendors. This vender contacted a collection company called Rapid Recovery Solutions of Farmingville NY. I was out of the office one day and this collection company called my A/P person and harassed and threatened her to the point she said "Yes" to an over the phone same day check. She verbally gave this collection company our bank information. This collection agency then turned over an ACH form to their bank and they submitted it to my bank and my bank automatically paid it. Now I understand that my person should not have given that info to anyone but I have dealt with collection agencies before and sometimes it is just easier to pay them, then have to deal with them. They coerced my person to give them information even though she does not have authorization to release funds from my account. They fraudulently gave their bank an ACH without my expressed authorization as I am the only one authorized to release funds from my account.

September 2009   State Collection Agency, Madison, WI   At 1 am on 9/21/09 our phone rang. By the time I got there no one was on. The caller ID said a Wisconsin Call 414-342-0347. After a little research I found out it is from a collection agency out of Madison WI called State Collection Agency. They have an 800 number=800-963-4194. They deal in over due medical bills as well as other collections. My mother in law died in May. My husband is paying her bills with what money that was left she had. But first the bill is submitted to Medicare and then her supplement insurance company. What is left he then pays. For these people to be calling a person at one in the morning is inexcusable. I will be putting in a complaint to the FTC today. Just wanted to give your readers this info.  Someone calls me at 1 AM trying to collect on a deceased relative's debts, that tells me they move to the bottom of the list.  Hope there's still money left when they try again...

September 2009    Premiere Recovery Group, Buffalo    PRG COLLECTION AGENCY-1-866-364-6516  INTIMIDATING AND EVEN GO SO FAR AS TO ACCUSE YOU YOU'RE HARASSING THEM FOR CALLING SO MUCH. ONLY NEED TO CALL SO MUCH BECAUSE NO ONE EVER ANSWERS. IF THEY DON'T GET WHAT THEY WANT THEY CUSS YOU OUT AND SAY THAT YOUR CHECKS WILL BE GARNISHED. REFUSE TO SEND ANYTHING IN WRITING. WILL NOT REVEAL WHO THEY ARE COLLECTING FOR. WILL NOT GIVE A PHYSICAL ADDRESS UNLESS YOU'RE SENDING MONEY. INTIMIDATE YOU TO GIVE THEM YOUR SOCIAL SECURITY NUMBER AND BANK ACCOUNT NUMBER SO THAT THEY COULD GET YOUR DEBT DOWN TO NOTHING. THESE PEOPLE ARE VICIOUS. I FEEL SORRY IF YOU ARE EASILY INTIMIDATED. OH, THEY SAY OF COURSE THEY ARE SEEN AS SCAMMERS, NO ONE WANTS TO PAY OFF ANY DEBT

September 2009   PMR/PMI LAW GROUP Buffalo, NY   This company buys payday loans and doubles, triples, even quads the amount of the loan. Then they tell you they will settle it out for less than you owe because they want to "help you out," when in reality you are paying way more than you actually owe.  My sister works for they are horrible.  they are uneducated and is shows as soon as they open their mouth to talk.  They will fax over illegal verifications of employment forms to your employer giving out your personal information claiming it's a garnishment form.

They do it just to embarrass you and get your attention if they don't have a good number to call you on.  They are collecting on legit loans but when you pay them they don't apply it to your loan, they put in in their pockets.  Don not give them your money, esp. your banking info.  They will overdraft it and there is nothing you can do.  Tape them when you talk to them.  You will be talked to like a piece of crap.  If they fax anything to your job, save that too. the letter alone will be priceless.

September 2009   A&S Collection Associates, Inc. Williamstown, VT   Denise Hinkley is the paralegal that runs this at 802 433 2100 X 136, whose retail client is Grizinski Financial Services

September 2009   Check and Credit Services, Buffalo.   This agency likes to operate as an attorney agency.  They have no office attorney nor do they have the intent or ability to pursue anyone legally.  Their practices are a direct violation of the FDCPA in many ways.  I know and have proof because I am a former employee discharged for my refusal to use scripts that lead people to believe I am an attorney or calling from the office of an attorney.

eptember 2009   Howard L. Schiff, PC Hartford, CT  What a time I have had with this agency. They took me to court on a Capital One account. I got the case dismissed w/ prejudice.  Now in an attempt to collect on an account that wasn't even mine (got a letter), I sent a validation letter. What I got was the name, address etc. of someone other than me with their account number with capital one. Two days after my court date, I got their attempt of validation in the mail of the account I had just gone to court over and won, with additional info of yet another person other than myself with their name address and account number with Capital One.. In speaking with one of the Attorneys in the agency she assured me that they didn't operate that way. Yeah I now sit here with personal information on 2 people other than myself that Howard L Schiff is attempting to collect debt on.  Howard Lee is on the top of our list to get his own page...

September 2009   Absolute Account Resolutions LLC, Scranton  I have had an account associated with my name for years now. Every few years I get a call from somewhere attempting to collect a debt with an account I never had. Just now, I got a very cryptic letter from Absolute Account Resolutions LLC, and wondering where they got the account number and figure of $4,100 I gave them a call. I was berated, threatened, and lectured. I explained to them that this is not my account and it never has been. I ended the call when the rep asked me how log I've been in this country. I didn't answer (I was born in New Jersey 35 years ago!). Anyway, this place is a scam. Same as the last place and the place before that that attempted to get something out of me on this bogus account.

September 2009   FMA Alliance, Ltd, Houston   This company has contacted me 12 times since 9-4-09. Since I don't know who they are I don't answer the phone. They have started leaving voice recordings on my voice mail stating they are attempting to collect a debt.  IAW the FDCPA § 809. Validation of debts (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing: They have never sent me any correspondence pertaining to this alleged debt and have contacted me on 12 different occasions since 9-4. I live in Fort Worth Texas and it does not take 11 days to get a letter from Houston to Fort Worth. Yet it has been 11 days since the first phone contact made by this company and no written correspondence has been received. I filed a complaint with the FTC and the Texas Attorney General, faxed a cease and desist letter and contacted a private attorney.

September 2009    TJ Lending, St. Charles, MO    It is the current lender on a recently purchased car. Loan Broker is what they call themselves, YEAH right! Never been late, I am currently 2 , yes 2 days late on my car payment, They have left me 5 messages on my fiancée v/m, they installed a GPS tracking system on the car in case we ever defaulted they could find it, ED left me a message for the fifth time on Sept 15th, 2009 telling me its urgent that i call him he still hasn't received payment and no payment means no car, he is disabling my car to not start and laughed! I called them immediately telling them the payment was mailed on 11th, not due till the 13th (which was a sundae) they should have it, he starts to tell me my mailed payment is not any good to him and no money means no car for me. I tried to explain i was injured ,and i could provide documentation on this and mailed it 1 day later than normal, He refused to let me speak with a supervisor and hung on me about 6 times. I am in shock that a payment that is two days late is in default! I had a back injury, slipped disk and was in and out of the doctors and mailed it 1 day late, i have children, Is this legal??

September 2009    Pacific Management & Recovery, Corona    This company called my sister in April and told her I had 20 minutes to call them back or they were sending a sheriff out to her house to pick me up. I didn't live there but because she was worried that I was going to jail, she called me and I went to her house and called them back. They informed me that if I didn't pay this debt right then and there that they were calling the sheriff's dept and have me picked up immediately. I made arrangements to make a down payment that day and to let them take a payment out of my checking account each month for 4 months. The forth payment was taken out this month but now that I know how unethical they are and how they nailed me illegally, I am scared that they will try to continue taking money out of my account.

September 2009    P N Financial & Associates  They are currently trying to collect a "settlement" amount on a debt that I just finished paying a "settlement" amount to a different collection company. they have threatened me with a "pending judgment" and included a docket # in the letter. Researching has proved no such case is in existence in none of the three counties in Ohio that I have ever lived in, nor in Cook County, IL

September 2009   Credit Management Control  they are the worst they brought an old 8 year old verizon account made it look like i owe it yesterday and put it on my credit when i called up verizon they said they no longer had the account and that they sold it to this collection agency.

September 2009    Global Credit and Collection, aka GLOBAL International Inc. 300 International Drive, PMB # 10015 Williamsville, NY 14221 800-563-4929  866-350-42751   866-350-1405 and 905 413-8568.   I just received a call today from someone calling herself Ann Crawford. She said that a Mr. Bolner said that I was not going to take care of my debt and since end of the month audits were coming up, she was going to recommend proceedings on my account. She then said if I did not contact them TODAY that I was forfeiting all of my rights to voluntarily rectify this situation. I have no idea who these people are. I have one account with an issue but it is currently in dispute because the only charge on it was made by a former acquaintance that charge gambling debts on the card. I told the previous debt collector (NCO) who the responsible person was and that I would soon have a court date to make it completely legal that this other person is responsible for the debt NCO then left me alone so now I have no idea who the new people are. After I looked up the phone number given, I see that they may be scam artists - Global International? Phone #866-350-4275. It looks like Global Credit & Collections works for Capital One which really confuses me because my C.O. card is in perfect standing - I pay it off every month if I use it. I did call the number back because I wanted to get an address where I could write to them and get them to show me something in writing on a) my past due debt and b) what law says I forfeit my rights for voluntary Rectification of the situation. They put me on hold forever and I finally hung up

September 2009    I C Systems, Inc. St Paul, MN    I got a letter in the mail yesterday from this collector about a Bank of America credit card I had. My BOA balance was $400 at the time of charge off and I called IC Systems in an attempt to settle the account. The gentleman said he would settle the account for $430 if I called by today and paid $100 of it. So I called back today to pay my $100 and when the gentleman answered the phone I simply stated I was calling to make a payment. He asked "how much"? I said, what do the notes say? He said, "we don't have notes" but I can see you spoke with Eric. I said, if you don't have notes then their is no way I am going to pay you a dime. SLEAZE

September 2009    CBCS Columbus, OH    Please check into the numerous claims of alleged scams by this agency. They buy old debt and send out letters offering to settle for 50% of the claimed amount that is owed. Very negative reviews on them all over the internet, but I could not find them on your Website. They seem to buy up old telecom accounts among others.

September 2009    Accounts Receivable Management, Inc. Thorofare, NJ 08086  I won a suit filed by Mann-bracken on a target account, now these idiots are trying to collect on this account. I sent validation letter and cease letter, still calling every day starting to harass me, asked if I were born in 1956 said yes, the lady told me then your old enough to know you owe money to us

September 2009    Asset Recovery Group, Buffalo  I spoke with some guy named Michael Blackwood a few weeks ago. Believing it it to be a legitimate debt, i agreed to make 4 payments of $400. This guy said he was an internet investigator for a law office. He then told me he had been in contact with my grandmother trying to locate me. I never got any calls from him until he called that day and left a message saying i had to call him back in twenty minutes or i would be brought up on fraud charges from an old payday loan. I was a little bothered by all this, so i did some research. after everything i have seen on this website and others, i contacted my bank to stop all payments to these people and changed my bank account. My bank told me i had to call the company and tell them i was stopping payment on them. I called two different phone numbers and got the voicemail of a guy named Allan Stein all three times. i finally left a message. he called back a few minutes later saying that he was with a company called Fidellis, and he had no idea what i was talking about. the phone numbers i called were 1-888-288-3114 and 716-836-4400. This Allan Stien called me back from 716-566-4150. Can anyone tell me if Asset Recovery Group and Fidellis are associated with this Frank Falzone i keep reading about?

September 2009    Stoneleigh Recovery Associates, LLC  Lombard, Ill.  Can you say future Dateline participants?  Rude, mouthy, threatening third party crooks hiding behind the name of the imaginary "Andrew Howard" who is supposed to be the "attorney."  They never would have even made our radar if it wasn't for a consumer who was trying to fax them a blank check they could draft on.  They were so protective of their fax number, the consumer called us and asked for help.  We've discovered over the years that anyone who is hiding behind cryptic names when they answer, won't give out their phone numbers or locations - or real business names have to be scamming consumers.  There is a legal and acceptable way to collect debt.  This is not it.  Our consumer friend was trying to settle a 24K dollar debt with these clowns, but they didn't want the money bad enough to repeat a simple fax number.  We found it in about 20 minutes and hopefully saved a consumer from being scammed for thousands.  We invite you to call on them and see how they answer the phone.  630-282-5750  - and while we can't publish the fax number we have, if you turn up anything in your efforts and provide it to us, we'll post it here.

September 2009    National Credit Works  This group has called harassing us about a debt. A Ms. Marla Green called saying this was a civil lawsuit for debt and a warrant was out for my arrest. I had to call her at 1-866-618-5731 ext 125 yet my cell says 716-864-8183. I've called this number before and asked them to send me the debt information by mail but have yet to receive anything and it has been over 4 months.

September 2009    VRM & Associates, Buffalo  THIS COMPANY IS CALLING AND HARASSING ME AT WORK WITH REPEATED BACK TO BACK CALLS THREATEN ME. THEY REFUSE TO GIVE ME THEIR MAILING ADDRESS, FAX NUMBER OR EMAIL TO AVOID A CEASE AND DISCUSS LETTER THE REP. SAID. i WANT THIS COMPANY TO STOP ALL CONTACT BECAUSE IT'S CUSSING ME PROBLEMS AT WORK HAVING TO ANSWER THE CALLS AND DISPUTING WITH THEM ABOUT AN INCORRECT DEBT. THEY ARE ALSO MISREPRESENTING THEMSELVES AS LAWYERS AND CALLING FROM MY OLD BANK.

September 2009    PMI and Associates  Columbus  I was left a message by Erica regarding a claim saying I was going to be charged with malicious fraud which is a misdemeanor. I called to see what it was about. I was harassed by Erica Jones at PMI and told I owed a payday loan from 2007 and my bank account had been closed and it is criminal to take money from a bank and not repay it. Also that their company is going to be taking me to court and charge me with malicious fraud which is a criminal misdemeanor if I didn't settle out of court now. She told me that it would be best to pay it in full now instead of it going to court and paying thousands of dollars for only a $285 debt. I asked what website it was from she said payday. I have never visited a site just called payday.com for a loan. She stated my references of two of my friends and I believed her that I owed this money. She said the other information I could find on my credit report, which I did look and couldn't find anything from that company. I told her at this time I didn't have any money until my SSDI check next month on the 3rd. I also explained $25 would be the only amount I could afford monthly until it was paid off. She said that I would need to charge on my bank debit card the $25 so they could stop the court proceedings. I told her I didn't even have that. She said she could offer me $199.50 to settle if I agreed to make payments each month so I agreed to take the maximum 3 month to pay it off at $66.50 taken out on the 3rd of each month. I agreed to that and gave her my debit card information. She also stated that she could garnish my disability benefits if that was easier for me to do and I told her that was illegal. She asked who told me that and I said the social security office. She informed me that wasn't true per the State of Wisconsin laws and she could send a wage garnishment to social security and they would take 25% of the money I get from disability to pay the debt. I know for sure that this is illegal. After talking with a friend, I now realize that this is was wrong of them to do and they need to supply me proof of the validity of the debt I owe. I am going to call them and cancel the transactions that are going to happen because I truly do not have $66.50 extra right now to pay them. She said the company is PRG but when you call and get the answering machine it clearly states PMI. The phone number that is given to you is 614-586-4357 the woman I spoke with was Erica Jones at X114. This place needs to be looked into

September 2009    Valentine and Zimmerman, Topeka, KS  Valentine and Zimmerman (3rd party debt collector attorneys) sued me in small claims court ( Limited Actions Division ), listing CAPITAL ONE BANK as the plaintiff, this is, according to their pieces of paper they produced, a defaulted loan that CAPITAL ONE BANK charged off. The judge voted in their favor because they say that I did not respond to the request for admissions in a timely manner which was 15 days on their paper work but the law says 30 days.

Debt collector attorneys are suing consumers all over the country naming CAPITAL ONE BANK as the plaintiff. These are for defaulted loans.

September 2009    H & P Capital, Inc, Jacksonville, FL  I was contacted by H&PC at phone number 904-418-5000. They harassed me and told me to pawn my belongings or get a payday loan or they were going to have me arrested. They told me that they would not work out payment arrangements. I was told I had to pay today or it was going to be a long night for me.
They stated that I was being sued for Credit Card Fraud and that they needed to advise me of my rights as a complaint had been filed against me in my county and that I was committing a felony. They wanted a credit card number, debit card number, or a money gram. They were rude to me and when I stated that I know the FDCPA act they became more hostile with me and transferred me from person to person none of which would work with me.
They stated that they were putting it in their records that I refused to pay. I said oh no, you are taping this and I will have the courts know that I did not refuse to pay, you refused to work out a plan to get this settled. I called my lawyer who stated that since we are in SC the statute of limitations had passed on my debt and it is illegal for them to say that they are suing me for a debt past its statute of limitations.

http://www.jaxjobs.com/jobseekers/JobInfo.asp?job_id=22042  This is the Ted Crosby organization reborn. H&P CAPITAL, INC.   7960 Bay Meadows Way, Bldg 6, #300   Jacksonville, FL 32256

H&P Capital are the new folks at the same Florida address where Legal Mediation Practice was located. 

Florida Profit Corporation   H&P CAPITAL, INC.  Document Number P08000093357
FEI/EIN Number NONE  Date Filed 10/15/2008  State FL

Principal Address
1919 BLANDING BLVD.  STE. 4  JACKSONVILLE FL 32210 US
Mailing Address  13863 PINE VILLA DR.  FORT MYERS FL 33912 US

HENRION, GARY  13863 PINE VILLA DR.  FORT MYERS FL 33912 US

POOLER, NOEL   2307 ALDRIDGE AV.  FORT MYERS FL 33907 US
TRES
MACKEY, TAMMY  2517 SIGMA COURT  ORANGE PARK FL 32073
 

September 2009    Paul Law Office, Salt Lake City    Recently I have been getting harassing calls from PAUL LAW OFFICES in reference to an expired HOME DEPOT debt, of which they refuse to VALIDATE. Stating that they do not have to and all they have to validate, is my personal information. I have sent numerous cease and desist collection
letters, and the nitwits have called me back every time they received one of my "RIDICULOUS" letters as one Dan Lowe put it. I stated to him that he is violating my rights under the FDCPA.  These clowns are not going to get a dime out of me, because the debt has expired 2 years ago. I also recently received a letter from MACKEN LAW FIRM regarding a debt that ZAKHEIM AND ASSOCIATES sued me in an attempt to collect it for COLONIAL CREDIT CORPORATION. I haven't heard from ZAKHEIM AND ASSOCIATES, as it is obvious to them that even though they sued, and had a judgment put on my credit report, they gave up trying to collect on it, and sold it to the lowest BOTTOM FEEDER.

September 2009    First National Collection Bureau, Inc., Sparks, NV   (another name for Midland) I received a letter today listing Midland Credit Management as the creditor, and FCNB/Spiegel as the original creditor. The letter states the following:  "Settlement offer 60% in 3 payments
The court awarded judgment plus interest can be settled for 60% of the balance due in 3 payments.
Despite the fact that the court has found you liable for the above balance, our client is willing to extend to you a settlement offer to allow you to rid yourself of this legally recorded judgment. Our client, Midland Credit Management, Inc is offering you a settlement of xxxxx in 3 payments over 3 months starting on 9/09."

Interestingly enough, this debt is 9 years old. What's also interesting is that they have never taken me to court. I'm going to demand verification of the debt just for the fun of it.

September 2009    Oliphant Financial, Sarasota Sent these crooks a request for validation and they just sent back a letter with an affidavit attached stating that I owe them this debt, also written on the front letter is "original documentation has been requested and will be forwarded when received."

So I guess I wait until they send the documentation requested. Have no idea what this affidavit is?

September 2009    Pollack And Rosen PA 800 Douglas Road, Coral Gables.  Another  Midland Funding loser.

September 2009    Complete Credit Solutions, Bedford   CCS is lower than low, I was a victim of identity theft in 2006-07. The responsible person was caught, with my help, and sentenced to 37 years in a Texas prison. She had opened numerous accounts in my name along with other people in the Dallas area. CCS started contacting me for payment on an account I know nothing about. I have asked for verification but to date I have only received a half ass looking fraud/forgery affidavit. They want it notarized but yet there is no place for a notary signature. I'm a elderly woman with cancer of 82 and survive on social security. They call everyday and harass me to no end. They have threatened to garnish my wages, bank accounts and take my property.

September 2009    Credit Solutions Corp.   This is another name for arrow financial services and asset acceptance corp if you compare the addresses on my credit report they are the exact same including the suite number

they do to me the same changing dates of first reported and date of account opened on my credit report and not able to get past the credit bureaus only dropping the investigation as verified and that is the only response i can ever get in any form of trying to verify this

i am not able to get a lawyer since all that actually call back only tell me not worth enough money and in my state lawyers will not sue for fraud unless the company actually gets money from you and is at least 1 million that they do take from you and you need to prove the money is actually taken from you

the lawyers do not believe the fraud keeping me from affording the things to live that charges more based on lower credit score using fraud collections is worth fighting and this fraud does make me have a money loss from raising my cost to live from lowering my score with

the way they keep changing account opened dates and getting dates first reported changed i think this will be on my report for at least 100 years after i die from old age and still in statute of limitations

September 2009    Professional Account Services, Inc   Brentwood     Unauthorized withdrawals from bank account, entered a payment of $258 as only $75, then harass for more money. Ask to speak to supervisor- deny that there is a supervisor, then state that only a supervisor can access records. Change the amount of payment without written or verbal notice. Add unknown accounts onto payment without consent or knowledge once payment is agreed upon, then up payment. Refuse to return overpayment, continue to demand more money instead. Call 4x daily- asked for statement 6 weeks ago- of course, nothing arrived.

September 2009    Kaufman & Burns    Amhurst   received a call from a person by the name of Thomas Riley, he said that he was with Kaufman & Burn, he said that he was going to send me a summons on my job. He couldn't tell me the exact amount of the payday loan I had he said it was $1000 and I told him that it was incorrect and than he said it was for $952 and that was incorrect also, so he ask me how much was it, I told him to tell me since he had my file. He call me from this number- 716-650-5554.

September 2009    Valentine & Kebartas, Inc.   PO Box 325 Lawrence MA 01842  978-975-0799 & 800-731-7766 & 866-598-2788  PO Box Troy, MI 48007-5804  These people have called trying to get us to make payments on a past due Chase Amazon account which we are unable to do at this time due to a spinal cord injury. They have called 20 times in a row in less than 10 minutes multiple times a day. The last time I answered their call I was told by the person who wanted to know what my name was without saying who he was and why he was calling that he wasn't playing games... because I told him my name was privileged information and a violation of my privacy and that he called me and I wanted to know who he was. I wasn't playing games either ... I hung up the phone. We no longer answer our telephone. They have also, in response to the answering machine picking up, said, "Don't you ever answer your **cking phone?" Rude.

September 2009    Galaxy Capital Recovery LLC  Norcross  I received a letter from these idiots, who have also been calling my home and employer supposedly about some debt to Bank Of America for over $5000. I am sending them a letter requesting verification of the debt, and also requesting that they cease communication, except for US Mail- Another  company under the broad umbrella of Worldwide Asset Purchasing, West Asset
Management.

September 2009    Como Law Firm St. Paul I got a phone call from Como Law Firm and they start their recording with a "man" screaming over the phone "Don't hang up, this is not a sales call, etc". He continues for a while in an extremely loud tone of voice giving a phone number to call and a reference number. Needless to say he is getting no return call from me. I will wait to see if I get something in writing. Also, the number to call is not toll free. He thinks I'm going to call him back on my dime! Not a chance. Also, the St. Paul BBB does not have good things to say about Como Law Firm and they are not a member of the St. Paul BBB - what a surprise! Be careful of this one.

September 2009    Howard Lee Schiff P.C. East Hartford   Bud, thanks for all of the great info on your site. Howard Lee Schiff tried to sue me on behalf of LVNV Funding on behalf of Sears or some such thing. I filed a counter suit against Schiff for FDCPA violation. In the hallway at small claims court, the lawyer for Schiff folded like a cheap suit (no pun intended) when I asked him if he could prove the debt was valid. I also mentioned that the debt was way past SOL. HE DID NOT want the judge to hear this case. Please folks, go to court and challenge everything. This lawyer literally had nothing with him as far as proof goes. They dropped the suit needless to say.

September 2009    Frontline Asset  This company calls my home at least 8 times per day, I know because they come up on the caller ID. They call my wife's work and harass her there. When she's not at her desk, they call back numerous times and tell the secretary that they know she's there but she's ducking their calls. They claim she has a debt with them, however, they refuse to disclose who the original "owner" of the debt was. They claim that information is neither here nor there. This company is the epitome of slimy, underhanded weasel collectors.

September 2009    Hoffman Weinburg and O'Brien  Buffalo  Michelle Hackett has repeatedly called me, my mother, and my employer human resources stating that she is from the law firm Hoffman Weinberg and O'Brien. She's been repeated told not to call but persists any way. She even went as far as have a third party call me stating that they have a summons for me to appear in court. She told my employer that her law firm was trying to collect on a bad debt and that she had a summons for meto appear in court. I have 2 voicemails supporting this misrepresentation. One from my employer and one from the 3rd party. When i called her back and stated that i was going to file a report with the FTC. She changed her story stating that they were a liquidation firm. Then she stated that if i didn't pay $783 that they were going to garnish my wages. She repeated violated the Fair credit Reporting act in her misrepresentations of her company.

September 2009     Rosenberg and Associates   An "Investigator Humphries" called from here and left me an urgent message regarding a case of fraud being filed against me in the State of Michigan. He also left a message at my work and also called a very good friend of mine. She hung up on him.

He stated that it's urgent that I pay them some amount of approximately $1,000.00 (I tuned out when he started threatening me with jail time) but they could not and would not send me anything in writing regarding the supposed debt. He said to settle it in full right now I had to give them my banking information and they would take care of the rest. Yeah, right! As if I would fall for that!

I had a couple of payday loans from years back that I have since paid off but they are still trying to collect on them because that old saying of one hand not knowing what the other is doing holds so true with these folks. I am sure they are junk debt collectors and it was not relayed to them that I have indeed paid it. Keep an eye out for these folks! The call back number he left is (404) 573-1483 which is in Georgia but when you search the phone number it turns up nothing. I can not locate a website for them.   Has anyone else had to deal with them?

September 2009     Transworld Systems/formerly NCO Financial  They called today and left a call back number of 1-800-848-7592. Their message when calling states that you have reached Transworld Systems formerly NCO Financial Systems. Just thought I would let you all know!

September 2009    Phoenix Debt Management   Received Several phone calls from this Debt Collector. Don't have any information on them other than what I have been able to find on the internet. They have now called my work claiming they represent the State of Missouri. Previously they have claimed to represent Franklin county
officials. Have filed 2 FTC complaints against them. would like to sue them out of business, since they threaten so much. I don't even know what debt if any they have on me?

September 2009    Hagulworth SB&J LLC, Buffalo   This company has been calling stating that there are "civil actions" being taken against people. I have even received calls from local area in my state threatening bank fraud and legal action. Of course they have been sent C&D and DV and they were sent a copy of a receipt that the payday loan was paid in full but they still insist on calling. In fact if this debt hadn't been paid it would be going SOL so I guess that is why they are trying to push on this. I think I will be reporting them to the NY AG office it seems they are getting their act together on prosecuting the illegal actions of quite a few agencies

July 2009    National Enterprise Systems  Attorney General Darrell McGraw Sues Ohio Collection Agency, National
Enterprise Systems.  McGraw Asks Court to Stop Collection Agency from Making Unlawful Threats of Arrest

A Braxton County woman authorized an Ohio collection agency to charge $5,000.00 to her credit card because the company was threatening to have her daughter arrested at work. The same collection agency told the father of a Kanawha County woman that his daughter would be "arrested for fraud of the federal government" unless she made an immediate payment of $5,000.00 toward a student loan. Such strong-arm collection tactics are effective, but much like holding a gun to someone's head, they are illegal.

It is precisely this type of conduct that Attorney General McGraw seeks to stop by filing a lawsuit today against the company that allegedly made these threats to several West Virginians, National Enterprise Systems, Inc. ("NES") of Solon, Ohio. McGraw's complaint alleged a wide range of other unlawful conduct, including adding unlawful collection fees to tuition owed by students to West Virginia colleges and universities. The suit asks the court to order NES to cease its abusive practices, to pay civil penalties to the state, and to award restitution to consumers who were victimized.

"Failure to pay a debt is not a crime and companies that make such false threats have violated both state and federal debt collection law. My office will not tolerate abuse and harassment of consumers who may be in debt through no fault of their own. The Legislature has authorized my office to enforce the laws that prohibit such conduct, and we intend to do so, particularly when the unlawful conduct is as extreme as has been alleged against National Enterprise Systems," McGraw said.

Any persons wishing to file a complaint about a consumer matter or to alert the Attorney General about unfair or deceptive practices may do so by calling the Consumer Protection Hot Line, 1-800-368-8808, or by obtaining a complaint form from the consumer web page at www.wvago.gov

July 2009    Eltman, Eltman and Cooper  NY Attorney General Cuomo sues to throw out over 100,000 faulty judgments against NY Consumers   Included

July 2009    Forster & Garbus  NY Attorney General Cuomo sues to throw out over 100,000 faulty judgments against NY Consumers   Forster & Garbus  Included

July 2009    Cohen, Connelly & Crain LLC Williamsville Collection agency who calls and says they submitted letters to your bank and "other local financial institutions" to let them know of your debt and that they will be seizing assets upon completion of their "investigation". Will also call family members and share with them why
they are calling you (debt and amount in my case). HORRIBLE PEOPLE.

July 2009    National Recovery Agency Harrisburg  Since 3/12/09, I have received repeated calls from this company to my mobile phone. The calling phone number is identified as 800-814-6580. I do not answer the call. An automated message is left on my voice mail with instructions to call back with a reference number. Internet research has indicated that these calls are being generated by National Recovery Agency, a collection agency in Harrisburg, PA. I have not returned the calls. I have checked my credit reports from 3 separate companies - Equifax, Experian & TransUnion. I do not owe anyone any money that would be in collection.

For more information on National Recovery Agency, go to:  http://800notes.com/Phone.aspx/1-800-814-6580
or http://www.complaintsboard.com/bycompany/national-recovery-agency-a113055.html
National Recovery Agency     2491 Paxton Street     Harrisburg, PA 17111  Telephone: 800-814-6580 

CEO: Steven C. Kusic    e-mail: skusic@nationalrecovery.com  President Jill E. M. Kusic

June 2009    Riverwalk Holdings, Grapevine, Texas Yesterday, I get a letter from Riverwalk Holdings, Ltd with a title, Verification of Debt and its just a one pager with the following information.
Original Creditor:   Original Account Number   Date account opened  date of first deliq   charge off date
address listed  current balance  Nothing else was attached, no receipts no chain of ownership etc.

My initial reaction is because they don't have that information. From what I have learned about Riverwalk, they are a very small operation run by an accountant, who has no background in junk debt collections. The debts he is purchasing are bargain basement which usually means their are almost nothing in the chain that will meet most legal requirements for validation and ownership. Expect that Jay Ledford (the bean counter) will likely have an employee attesting to authenticity of the junk he purchased by signing and swearing to them in manufactured affidavits. There is not much else he can do.

Just last month, they went from..'we are not a debt collector' to obtaining a Surety Bond in Texas. I hate amateurs in this business and Riverwalk is a sure bet to get beat up in the courts by experienced consumer attorneys. Riverwalk Holdings, LP Investments, Platinum Capital Benefits Card and Jay Brian may be in over their heads, however they have not yet been tested in the courts, that I am aware of. Sit back, relax, wait for them to make a move, either in litigation or credit bureau placement. I'll put you in touch with experienced consumer lawyers who may make Jay want to go back to bean counting.

June 2009     Valentine and Kebartis  I'm having a hell of a time with these people. I reached a settlement with these people and even allowed them to take payments out of my checking account (I know huge mistake!). Anyway they took a payment(#5 out of 6) out 5 days before the agreed upon date and over drafted my account. I threw a hissy and they agreed to waive the last payment and close the account. Well they waived the last payment but didn't close the account. They returned it to the creditor who sent it to another collection agency. They acknowledge the debt is supposed to be settled, but are jerking me around about sending me a letter confirming that. I was just denied a parent loan for my son's education solely because of this account still appearing on my credit as unpaid and I have another collector to deal with.

June 2009     Marval & Associates, Getzville, NY MARVAL & ASSOCIATES AKA/LAW OFFICE OF JIMMY SALERNO IS A SCAM! THERE IS NO ATTORNEY LICENSED IN BUFFALO, NY OR ADDRESS FOR HIM. THEY ARE PAYDAY LOAN COLLECTORS OF CASHNET/SANCTUARY CAPITAL MANAGEMENT, DALLAS, TX. CALLERS ARE TOLD THAT MARVAL IS PREPARING LAWSUITS WHICH IS A LIE! CONSUMERS ARE WARNED TO STAY CLEAR OF THIS ORGANIZATION WHO HAS NO LICENSE OR BOND ANYWHERE IN THE U.S. WHERE WE LOOKED. THEY ARE NOT A LAW OFFICE, THERE IS NO COLLECTION ATTORNEY NAMED JIMMY SALERNO. THE PHONE NUMBERS THEY USE ARE: 877-252-0491 716-923-7408 716-923-7410 716-923-7405 7404-7407-7411 7412

June 2009     Bureau of Collection Recovery  www.bureauofcollection.com I am getting a telephone call from the

se people every day like clockwork between 8:30 -9:00 am. When I answer the telephone, there is no one on the line; not even a recorded response. I took the number from my caller ID and did a reverse look-up. I live in NJ & the number listed is a local one, BUT, reverse look-up shows the telephone number is a NON-PUBLISHED number. I decided to call the telephone number & got a recorded response. Their address is in EDEN PRAIRIE, MN! Their collection agency is not even listed in my state! This is their information: BCR - Bureau of Collection, 7575 Corporate Way, Eden Prairie, MN 55344. Now, even though I received a telephone call from this number (908/982/1435), the contact number listed on their website (www.bureauofcollection.com) is: 800/942/0854. How can they get away with this? I am considering sending them a "cease & desist" letter since I have no idea why they are calling me.

June 2009    RMB Inc. Knoxville, TN  This agency stated "...this communication is from a a debt collector" in a recorded voicemail message on a third party phone (an acquaintance's cell phone). I have no idea how they acquired the cell phone number. The message starts by announcing my full name <First Middle Last> and continues with: "by continuing to listen you are acknowledging that you are <first middle last>. This is RMB Inc and this communication is from a a debt collector. Please contact us about a personal business matter at 800 489 3540..."

I understand that agencies may call other phone numbers in an attempt to locate me (however I had already been in contact with this agency, they do have all of my contact information including my own phone number). Is it appropriate for them to leave such messages on other people's phones? Does simply including the phrase: "by continuing to listen you are acknowledging that you are <first middle last>" allow them to announce that "...this communication is from a a debt collector..." on anyone's voicemail that they choose?

They hope that recorded disclaimer relieves of any liability, but we don't think it does.

June 2009     Rickenbacker Collections, Concord  These rats connive with a towing company in Las Vegas. When a vehicle is towed and not retrieved, Nevada law lets the tow company store it for 60 days at $28 per day). Then, if the vehicle is sold at a lien sale for less than the accumulated balance, the tow company can back charge the owner for the difference. If they can't find the current owner, they and/or Rickenbacker goes back as far as TWO YEARS and bills the FORMER owner. They paid a $40,000 dollar fine to the City and County of San Francisco for this trick. If you call them on the telephone and tell them you are recording the call, they terminate the call immediately.

June 2009     North America Collections, Inc. (NACI) Encino, CA  Last week these guys called me saying that they have a court order to arrest me, unless I pay them $850.00 which I apparently owed on a bad debt. I called my attorney and asked him if what they were alleging was true, and he told me he would call the court in my area to
find out if there was a warrant for my arrest. Surprise, surprise, no warrant for my arrest. I did, however, have the recording on my voicemail, which I am using to sue them for harassment.

June 2009     Capital Revendication Services, Inc  Atlanta, GA  Anthony Floyd" from "CRS Investigation Services" left a threatening message for me on my sister's office voice mail, and a "Chelsey" from "CRS" left a similar message on her unlisted home phone number answering machine saying I am being investigated and she is named as a respondent in a litigation complaint to be filed in "Los Angeles County Court" if we don't contact them within 40 hours at 1-866-583-9807 RE: Case # LDC 17908. I kept their recordings for evidence. Instead of calling them, I Googled their number and found this 9 page site http://800notes.com/Phone.aspx/1-866-583-9807/5 with people posting similar complaints about them and saying they are scam artists. Why don't the police arrest these criminals? Their address is a drop box at a UPS store. The Atlanta BBB gives them an "F" rating with 4 complaints filed.

June 2009     Central Credit Services, St. Charles. MO   I believe this agency has closed their doors. Some of the collectors are using Wal-Mart purchased cell phones to try and collect accounts from these numbers. Some of the cell phone numbers are 1-904-562-6651,  1-702-520-1452. Then the 1-800's are 1-800-, 1-800-753-2851, 1-800-704-5369, 1-888-866-6484, 1-888-323-5763.  Warn your readers that this is a desperate attempt to steal money from
them and not to pay them.

June 2009     Sterling & King, Casselberry   I noticed that Sterling & King was not listed on your agencies list. I received a call from these people and didn't answer it. After researching online, I definitely won't! Everything I have read has stated that they use horrifying, threatening and just plain mean tactics. They even traced and froze a woman's bank account then threatened to take her car. Please let us know if this is a legitimate company and how to handle it. Should I be worried?

June 2009     Marval & Associates, LLC  PO Box 974  Getzville, NY 14068  Phone 716-923-7408  Fax 716-923-7409  Toll Free 877-252-0491  Domenico D'Angelo, CEO  Payday loan collectors.  These folks are beyond the pale when it comes to insults, cursing, threats of jail time, property seizure, etc.  Anything and everything goes and it's just more proof they are a scam. 

June 2009     Network Collection Services, Inc. AKA Marcel Anseman Houston  I just came across this one in my search for other stuff on the SOS Texas web-site. http://www.oag.state.tx.us/oagNews/release.php?id=2757 . Basically NCO was nailed here in Texas.

Plus:  Network Collection Services, Inc. & Marcel Anseman DBA Network Collection Services (in Harris County) NCO Houston, appear to be operating in Texas and collecting from consumers in Texas without having a surety bond on file.  Network Collection Systems, Inc. operating at same address as Network Collection Services, Inc. (9894 Bissonnet #650, Houston, TX 77036) is soliciting business through their website at http://www.networkcollection.com/  The registration for this corporation has expired and so has the surety bond on 11/16/2004.

June 2009     Premier Recovery Group, PRG Group   These people called my office several times even after I told them that my employer did not allow me to receive calls like that. A Mr. Markum told me that he would call me every day until I resolved the issue. I called them back and attempted to get a mailing address to validate the debt but they would not give me one. They were very rude and kept saying I had to resolve the issue now, or they would call me every day at work, at home and at whatever number they had. I have never received any sort of written notice from them.

June 2009     Rausch, Sturm, Israel & Hornik S.C.  Milwakuee   Got a letter from them last month, with an Iowa return address. Looked at Iowa web site and they were not listed to collect debt in Iowa. Sent them back a request for validation, via certified return receipt requested, the company that they say they represent is still writing me about this so called debt. Which was charged off in 2005. I contacted the Wisconsin BBB and they list them as a lawyer referral service not debt collectors. Any information on these people?

June 2009     Advanced Collection Services, Marietta, GA  These crooks pose as a law firm (even provide you a "case number" duh), deny ever receiving your dispute letter then violate FCRA regs by reporting to credit bureaus. If they call you, record the message and call a lawyer ASAP.

June 2009     Retrieval Masters Creditors Bureau, Inc Elmsford  Okay, I thought I have seen it all; however this is the first one of these I have run across. In March of this year I sent a validation letter asking for validation of this debt to this company. The letter was received, and everything was quiet for a few months. Three months later, I am getting the same letters from them; as if they never even got the registered letter. I did some investigative work (mostly by filing a complaint with the BB out of NY) and was surprised to known that this company gets all of their mail from the UPS store in Arizona. Go figure?  The address I have for them is 2269 S. Saw Mill River Road Building 3
Elmsford, NY 10523. I just wanted others to know what these guys are up to.

June 2009   Regional Adjustment Bureau, Cordova   They called us last week about money we owed to Exxon Mobil. The woman (Leslie Fox) said we had until 3:00 PM that day to make arrangement to pay off the $800 we owed. I explained I had been out of work for the last year and I said I would speak with my husband and call her back. I called her back at 1:15Pm that same day and explained that we could pay $50 a month starting on June 5, 2009 and she said that we could pay $50 a month for 3 months and after that the balance of $650 would have to be paid in bigger payments over the next 3 months and had until May 31, 2009 to make the first payment. Explained again that we would not have the money until June 5th and that we could not make larger payments. She said fine she would see us in court. I filed a compliant with the better business bureau. Today June 1, 2009 she called back and said I never called her back and I explained the whole conversation I had with her and she told her again what I could pay and she said to never mind what she supposedly said and she needed my checking account information and I said she could call me or I would call her on Friday to make the payment. I was not giving out my checking account information. Through both these conversations she was rude and treated us like dirt. In the end of the conversation with her she said again I will see you in court. I called her boss Tom Frazier and he told me the same thing did not want to hear anything I had to say and said...see you in court. I also filed a complaint with Federal Trade Commission as well. Regional Adjustment Bureau are very unreasonable.

June 2009   Jacobson and Marsh, Buffalo, NY   Owned and operated by Nicole Caypless AKA Nicole Bennet. She was partners with Stephanie Ianuzzi in the creation of Aurora Gold originally they were partners in crime with Doug MacKinnon for years prior). Her boyfriend Joe (his family owns a construction company) opened this back room shop and have hired some of the worst including Stephanie herself. they also have Jake Adamo (Seth Ggreen), who is a 20 something fat scumbag who takes steroids and launders money to his own PO box to scam $ from Nicole.  He is a mini- Mike Mancone. Also on staff you'll find Tim Lalonic, Clan Mahoney and the other AGold cast offs like Matt Opdyke and Kate Hall.  Their base of operations is a small office on Main St across from the police station. Ironic, as their M.O. is pretending to be police or have the power to have your arrested.  Oh, and for those folks looking to serve Doug MacKinnon - he's hiding in a back room office in his new secret agency called STURGIS - Jim Reeves is the owner of record, but Doug is the one with his hand up the puppet.

June 2009   CCA Collection Company of America, Norwell   I received a dunning letter from this agency and demanded validation within 30 days of receipt. I specifically demanded proof of the debt and the agency's authorization to collect the debt of behalf of the original creditor.

CCA responded with a letter saying that they verified with the original creditor the amount owing. The agency provided no documentary evidence whatsoever.

I responded by letter informing them that what they provided was not proper validation and again demanded validation of the debt pursuant to my first (post-dunning) letter.

At some point thereafter, CCA placed this account on my Equifax, Experian, and Transunion reports.

Having heard nothing in several months, and now having this account on my credit reports, I wrote CCA again demanding validation, informing them of their violations under the FDCPA, FCRA, and the (California) Rosenthal Fair Debt Collection Practices Act, and drawing their attention to the advisory opinion of the FTC that the agency considers credit reporting to be "continued collection activity."

They responded with a letter which, but for a few words, was a regurgitation of their first alleged verification.

Shortly thereafter, and in conjunction with CRA disputes, CCA removed the trade line from my credit reports, but re-assigned or re-sold the alleged debt to another collection agency.

My plan is to pay the second agency and sue CCA in a California court to recover the amount I must pay the second CA to keep this off of my reports, as well as additional damages under the FCRA, FDCPA, and the Rosenthal Act.
 

June 2009   Intelenet Global Services, LTD  This agency is bogus. It is staffed by foreigners who are trying to collect debts from over 4 years ago (in my case, my debt was 9 years old). They asked for my bank account information on the phone and as I was talking with them (of course did not give my info out), I heard cheering and yelling in the background from someone at the call center and I am assuming they were cheering about a successful collection on a poor consumer's old debt!  At first, I asked for something in writing for what I owed, and they stated they would only take the payment over the phone. Beware! If you get any type of phone call from 212-295-3507, this is the agency. They are located at 35A Rust Avenue, Boerne, TX 78006 and their fax number is 972-767-4772 if you can't get this information out of them. I certainly did. Good luck!

May 2009   Mapother & Mapother, P.S.C.  Louisville, KY  Received a letter from Mapother & Mapother today. So far they haven't touched my credit report, but Brachfeld & Assoc. looked it up back in February. Mapother & Mapother are attempting to collect on an account that was previously owned by LVNV. The SOL in my state is five years and the date of first default on the account they're attempting to collect on is back in 2005 with the last payment made mid-2006. I'm assuming Brachfeld didn't have the ability to collect in my state so she passed it along to Mapother & Mapother? I haven't found much info on Mapother & Mapother...

May 2009   FMA Alliance Houston, TX  I have private student loans that went into default because ex husband claimed fraud on accounts... which is a long story but anyway the debts went to Zwicker and Associates and I paid them for about 3 years on a limited income payment. Recently the original creditor (AES) must have gotten a new collector, FMA Alliance. I made arrangements with them to pay the same amount a month by money order because I would not give them my bank account information. I have made 3 payments to them, and keep getting calls that I refuse to make "payment arrangements and give them post dated checks" and that my money order payments are not acceptable. What should I do to make them stop. They tell me that they will keep continuing "collection actions". The woman that called was not very nice at all and really didn't care if I was making the payments that the original guy at their company set up or not.

May 2009   Stellar Recovery These people started calling yesterday(5-20-09) on a Discover card in my wife's name from before we were married. This account was originally charged off in 1998. The person on the phone started getting quite rude when I told him he was barking up the wrong tree. I told him not to call or harass us on a debt that the statute of limitations had long expired on. He said that they could legally bother us until we paid. when I mentioned that I wanted his physical address location of his business so that my attorney could file on them he hung up. Today 5-21 a Wendy called and when she told me who she was with, I hung up.

May 2009   Diversified Collections Agency These people are outright scoundrels! They have harassed my poor grandmother and EVEN MY EX-WIFE! They have no right to contact these people to discuss a debt collection! It's a shame my student loan company refused to work with me through my economic hardship and sold my debt to these creeps. I don't have money for legal representation but if someone else out there is getting harassed by this company, hopefully someone with a little financial sway can take action against them and stop them from treating other people like this. We're all feeling the bite of the economy right now and these goons are not helping anything!

May  009   Jason Reed & Associates, 1408 Bayview Court, Fort Meyers, FL 33901  Ph: 904-239-3963 Fax 646-861-4798 I have saved all of their threatening messages and will be reporting them to the Attorney Generals Office. Middle Eastern Accent leaving messages like, "You have to call back today or you will be in trouble." "I will call your work." "I have the last 4 of your ss#." "I wish you good luck." "I need you or your attorney of record to call back today or you will be in big trouble."

May 2009   First National Collection Bureau  610 Waltham Way, Sparks Nevada 89434 Original creditor was Providian, years ago was charged off and sold to MCM, and then to Midland Funding, LLC. Now there's a collection agency called First National sending letters an telling my wife that they will get verification of judgments or verification of debt owed with a settlement offer by month payment to them.

May 2009   Weinstein & Riley/ Faslo Solutions  This firm (namely Richard Ralston) is filing deficiency lawsuits against homeowners on behalf of Faslo Solutions in California and Arizona that have lost their homes to foreclosure. The only problem? California and Arizona both prohibit such lawsuits with what are called "anti-deficiency" statutes. Apparently, such laws designed to protect consumers are of no concern to this firm. If you have been sued or contacted by this firm, go see your local FDCPA attorney right away.

May  2009    Bullhead Investments/Brock and Scott I took your advice and talked with a NACA attorney about an issue with Bullhead Investments/Brock and Scott. We have just started, but during our first discussion there is a court filing that we knew about and also a second on that we were not aware of or served papers about. There is a good chance we can go for fraud for starters and who knows what else!

Thanks again for your expert help. Hopefully, we can get these crooks for the behavior. I will let you know. Bullhead/Brock and Scott are heavily attacking? people in Northeast South Carolina. The attorney also stated that their Card member Agreement and Disclosure Statement isNOT a valid debt validation. Also, my wife has had a stoke and is vulnerable for tactics used from scum like Bullhead and Brock and Scott. We may be able to use that to our advantage also.  Thanks again, you help is so very valuable

May  2009    Bryant Hodges, & Associates (Another scam debt collector from Buffalo, NY)

Another scam debt collector posing as a law firm. This one is (where else?) Buffalo, NY using the following numbers: 866-499-6626 and Fax 716-829-7388. (We know the fax number is phony.)

One collector said he was Attorney Paul Coleman of MA. We contacted the Law Office of Paul J. Coleman of Beverly, MA, and were told he is not involved in any debt collection agency in Buffalo, NY.

Stay away away from these con artists, they are likely the same drug crazed liars and thieves as portrayed on the Dateline, NBC report of Buffalo, NY debt collectors.

May  2009    Riverwalk Holdings, Grapevine, Texas I received what seemed to be urgent message on my telephone today from a " Samuel Stone," He stated that he need to contact me regarding a very urgent matter that would affect me greatly, and if I wanted to have any power over the matter I needed to contact immediately at 630-470-6615. I called the number and was placed on hold and was transferred to "Samuel Stone" (Different voice than message) Mr. Stone informed me that I owed this company a sum of $2738.73 + $1143.49 in late fees etc., accrued on this account. He stated this account was given to them from Washington Mutual, and informed me that this company has gone bankrupt. He firmly told me I need to get this debt taken care of promptly because this company has "no intentions building a long-term relationship" with me. I informed him that I am a mother of 5, and my husband has been laid off due to the RV industry bust off and on for a year and has recently been laid off indefinitely. I also informed Mr. Stone that I have for the first time in my life had to file for assistance to feed my family, and have filed for a loan modification for my home in attempt to save it. He in turn stated "I understand everybody is hard up on money, we are too." He stated that they are part of River Walk Holding (whatever that means) and insisted that I set up a plan to pay the company $503.79 in three installments (which by the way does not add up to the amount they had originally requested). When I told him that there was no possible way that we can afford this right now, he put me through to his "supervisor", who then told me that the most they could do was offer me "an opportunity to pay in 4 installments of $459.10, (which by the way does not equal the first OR second amount requested) and I have to set up the installments to be drafted out of my account. I told him I would talk to my husband about this matter and call him back. He then informed me that if I refuse to make payment arrangements regarding this account that they will file against my assists. I informed Mr Stone, that I really don't have any owned outright assets and he informed me that they will file against my home!!!!!! Is this indeed possible? Is this company valid? The BBB barely has any information regarding this company. What is the River Walk Holding they talked about? What should I do regarding this matter? Is this a form of harassment?

You are being scammed by a debt collector called Stanley Weinberg & Associates. They have a long and sordid history of illegal debt collections, lies and harassment. They have changed their name three times (Weinberg & Associates, First Credit Services, Integrated Portfolio Management) most likely to escape the lawsuits they lose for
exactly what you describe. There is an excellent consumer attorney near you who is very capable of stopping these criminals dead in their tracks. Owners Earl W. Shields 51, & spouse Lillian C. Munoz-Shields, 46, of Naperville, IL are two VERY slimy, disgusting debt collectors with a long history of abuse, lies and harassment. I suggest everyone avoid them at all costs.

Riverwalk Holdings is a bottom-feeder junk debt buyer, near DFW airport, owned by rookie debt collector and CPA, Jay B. Ledford, who appears to have a problem complying with the law and legally validating his purchased debts. River Walk does not have any licensing or bonding that we could find across the U.S., which makes them another illegal debt collector. It is my opinion that a few good lawsuits and Riverwalk will be history. We are sending you information about whom to contact and how to catch them in their illegal collection practices. Both are slimy collectors who should not be paid a cent for their lawlessness.

May  2009    ACS Legal This company is run by men who speak with very heavy accents and threaten jail and fraud charges. I have called them a few times and asked them for certain information, the name of the debtor, how much, when I defaulted, etc., they refuse to answer me. They become angry and hang up when I tell them I have notified the FBI, Secret Service and FTC. The one number 310-321-4312 is now no longer in service, at least it wasn't a few days ago. They do not call on the weekends, which is just funny b/c most companies do. The name of the person I have been calling is Ricky Wilson and yet a woman, who spoke with a heavy Asian accent told me yesterday or the day before no one by that name worked there. The other number they use is 102-855-1013 until you stand up to them and then they block the number. The new number is 310-362-9346, which works on and off. They will not give you any information or provide you with any real reason for their call. I have confirmed no information for them and hang up with they call me. They become very angry when you question them and the only reason they do not want you to interrupt them is because they want to say enough to scare you. They want the fear; they are liars and scammers. I told the guy, if the debt is mine, I'll pay it but not without something in writing and review. I have to make sure the amount is proper and the amount owed. I work for attorneys and have done debt collection; this is not the way to do it and although I have asked them to not call me at work, they've tried twice, so they are in violation of that as well.

May  2009    Phoenix Debt Management, P.O Box 11127, Kansas City Missouri 64119, 1-866-504-7548.
We had to file Chapter 7 Bankruptcy because of this company and 2 more just like them. In April the calls started from PDM, they were notified of the filing, the calls continue. So I even went as far as to put a message on my answering machine with my attorneys office information along with the case number, the threatening calls continue. I called their number back and the woman on the other end already knew who i was, so I told her I was calling to give my BK case number and my Attorney information again, She told me plainly She did not want that information, it did not apply to PDM and no Bankruptcy filing will stop their collection efforts. She threatened me with Garnishment and Judgment and to put a Lien on my home, Then she told me to have my Attorneys office contact them, but laughed and said it really would not matter anyway. I said fine and hung up. So i did contact my Attorney and also reported her to the FTC and to my Attorney Generals office. I have no information on this company other than the phone number, I never signed anything or have any contract papers of any kind. I have not received anything in the mail from PDM either. I believe other consumers should be aware of this company, and they should have to follow the law just like every other Creditor and debit collector.

April  2009   Bailey & Fuller, Buffalo, NY   BAILEY & FULLER is a criminal debt collection agency near Buffalo, NY.  They are calling from 866-407-9097. There are some of the criminal debt collectors featured on Dateline NBC who changed their name.  This organization is run by a convicted felon and some heavy drug users.  They cannot take any actions or file lawsuits.  All they can do is scam you and steal your money.  Many of their collectors are on probation, some are awaiting sentencing.  They are desperate to take your money.  Do not believe their lies or threats.

April  2009   NCB Management Services Inc  One Allied Drive Trevose, PA 19053  NCB Contacted me and began to demand payment on a debt that I have paid off over 3 years ago. When I asked for Verification of Debt I was transferred to the supervisor and she told me they can't do that. When I told her that under the FDCPA I was entitled to ask for verification. She told me that I was an idiot and I don't know the FDCPA. Tomorrow I'm mailing a Verification of Debt letter by certified mail to them and I may file a suit against them for calling me an idiot under the FDCPA.

April  2009   Caution- New Doug MacKinnon Collection Agency  Super Scammer Douglas J. MacKinnon, Sr, still in bankruptcy with several agencies is opening yet another operation to scam consumers: DRCML, LLC
The name of the Limited Liability Company is DRCML, LLC. Articles of Organization were filed with the New York Secretary of State on 10/20/2006. The office of the LLC is in Erie County. The New York Secretary of State is designated as agent of the LLC upon whom process against it may be served. The Secretary of State shall mail a copy of such process to 2809 Wehrle Dr., Suite 1, Williamsville, NY 14221. The LLC is organized to engage in any lawful activity for which an LLC may be formed under the NY LLC Law. #T07515956 3/30, 4/6,13,20,27, 5/4/2009

April  2009   Commercial Investigations, Inc / Joseph, Steven & Associates, Inc   This company is all over the internet for stealing not only from debtors but there own clients as well! They are currently under investigation by the DA in Ventura County California for their illegal activity.   This is the scam:

They cold call their clients out of the yellow pages and force clients to sign up for insanely low percentages rate--15%, 10% sometimes even 5%!! They get the accounts in with little to NO supporting documentation (in some cases the words JANE DOE OUT OF ANY TOWN USA OWES ME X AMOUNT OF DOLLARS FROM THE YEAR 200X) and break every law in the FDCPA to try to rob these debtors out of their pocketbooks. These agencies (they are all in the same) aren't event properly licensed or bonded in the states they should be! they have been sued for purporting  to be attorneys and some of their employees sign their demand letters with ESQ at the end.

This is how a typical phone call to a debtor plays out at Forensic Case Management Services, Inc. DBA Commercial Investigations, Inc:

(collector) Hello this is Officer Strict, I have A sheriff standing in my office ready to serve you with summons and complaint, can I verify your address???

(consumer) Who are you looking for?

(collector) Ma'am I have a sheriff in my office. I need Mr. Jones to get on the phone so he can tell the Sherrif where to come.

(consumer) I am his secretary

(collector) He owes a lot of companies a lot of money and I am going to have him jailed. PUT HIM ON THE F$$%$% PHONE!

All their collection calls are in violation of the FDCPA and they threaten lives and such in some cases. Let's not forget what they do to their clients:

After signing up clients who have bankruptcies and accounts past the statue of limitations, CII and JSA call their clients back in 2 days time and tell their clients they have made contact with their debtors. They make up stories about how the debtor cussed out the collector and that the debtor will not pay because the client did shoddy worked or sold second hand material infuriating the client.....

With the client hanging on their every word, The thieves at Commercial Investigations, Inc ask the client to fill out and sign an affidavit attesting to the merits of the case and forward them a cost check (usually over $2000.00) to cover all court costs and filing fees in the debtors jurisdiction. They say they need the affidavit and the cost check immediately to "freeze " the debtors bank account and transfer the file to an attorney who can, GET THIS:

OBTAIN A JUDGMENT AND ENFORCE IT WITHIN 30 DAYS!!

Confused,  these clients fax the checks and affidavits and hope to God they are avenged...months go by, Commercial Investigations, Inc. may or may not forward the case to some idiot out of American Lawyers Quarterly or the Columbia Law List to cover their tails....but little to no work gets done on the case.....The attorneys back the collection agency because of the $250 filing fee they get in advance from the collectors for accepting the case (remember the collectors accept over $3,000 or so from the client) and let the file rot in their system until the Client goes out of business.

Not much is being done to prevent all this.

The Company was originally Joseph, Steven & Associates a DBA of Specialized Recovery, Inc then the owner, David Hynes, Jr. opened up Commercial Investigations, Inc a DBA of Forensic Case Management Services, Inc. to get out of paying his old clients and to burn new ones under a new company. The new DBA for FCMS, Inc. is Rumson, Bolling & Associates. because of sites like Rip Off Report.com the company has to open a new DBA every year or so to maintain a "clean slate"

An hour of research on these companies will give you all the names and numbers you need. Commercial Investigations, Inc is headquartered at : 6311 Van Nuys Blvd Ste 441 Van Nuys California a beautiful P.O. BOX at a UPS STORE. Rumson, Bolling & Associates is also at a PO box as well.

April  2009   Western Capital Group, Murrieta, CA   Just wanted to alert everyone to this scam operation.  They want folks to believe they are tied to Western Capital in Salt Lake - and Robert Paisola, but it's a different operation using the Western Caital name.  Western Capital Group  17291 Irvine Blvd, #304, Murrieta, CA  92780  (Tustin CA Mailbox)  951-837-4937  One of his people called me today asking if I was gonna be home to serve me papers. The lady stated she was from the county clerks office. I asked her who it was from but she said I would have to call the number on the “summons” 866-355-8247 and reference case number xxxxx.  Ask for Stephanie Miller.

Update

United Financial Partners   Aka/Western Capital Group  17291 Irvine Blvd., #304   Tustin, CA 92780
866-977-1208 951-387-4937 866-355-8247   Fax: 951-493-3702  Drugged up debt collectors. Did you see Dateline? This is Buffalo West. Same MO, lie, threats of arrest, police impersonators, summon servers, all full of crap. They are NOT anything but pill poppers and alcoholic pot smokers scamming for money. There is ZERO legitimacy with this group of clowns. Does anyone have Chris Hansen's number in New York?  Same act, different perps!

April 2009     Prestige Financial Services SLC, UT   his Company is HORRIBLE!!! Collection Abuse!! They call you whether or not you are late with your payments. They call your references and harass them as well as give out information such as the reason for the call and all the details. They then take you to court without following the correct process. They tell you oh it will be a TX court, then next thing you know you have a judgment from a UT court without ever having gotten a court date to defend the yourself. But to get a hold of you 4 years after the fact... they call posing as Capital One Credit!!!!!

April 2009    National Credit Works, Cheektowaga, NY  Anyone?

April 2009    Valentine & Pardish We are once again receiving 12 "ROBO-CALLS" a day from a predatory debt collector by the name of Valentine & Pardish? Ever hear of this agency? Their phone numbers are 1-877 250-7416 and number of 208 - 639 - 6849. Please advise where are they located at in Idaho, I suspect Boise/Nampa, Idaho. I need their physical address to send a cease & desist letter! I think this is the same agency that called my wife up four years ago and threatened her with rape and burning our house down after describing our house in great detail.

April 2009    Credit World Services, Inc, Shawnee Mission  This company called and harassed me at work and at home until 7:00 pm. They threatened to sue me and garnish my wages. I tried to explain that the student loan was sent to collections by accident, but no one would listen. One collector (Ms. Shelly Long) called me a dead beat, and said that if everyone would just pay their bills like she does than she would have to be such a bitch to people

April 2009    Windham Professionals,  Windham Professionals called my employer and left the message that I had to call them today or they would send out garnishment papers on Monday. I did not call them since I will not respond to blackmail. This was a gross violation of my privacy and I will file complaints with our state's attorney general as well as whatever federal agency regulates them. The message came from Sheena with a call back number of 800 230 6074 x2801. I have documentation and will pursue this as far as possible.

April 2009    North Shore Agency, Inc (NSA) lists a New York City Department of Consumer Affairs License Number (#808922) on a collection notice sent to me. NYC Consumer Affairs web site search of the name and license number turned up no results. It also lists a North Carolina collection agency permit number 101748 which has not been verified yet. Has anyone else reported this company or know if it is a legitimate company? I am suspicious as to why I received the notice in the last week and yet the license number in NYC can't be found today.

April 2009    CCR and Associates (supposed law firm)  I'm not sure who they are or what it's about. I usually let unknown callers go to my voice mail. This one called claiming to be Mr. ELLIOT on behalf of CCR and Associates Law firm. Mr. ELLIOT has a Hispanic accent. The phone number is 866-673-1756 X 351. He called from 716-206-0689. The area code is New York. But the number is unpublished (or so I couldn't locate it). They give me a docket number--which I believe to be their case number.

April 2009    Automated Collection Service aka RentDebt Nashville
these oxymoron's also known as rent debt automated collections are the brainchild of Wanda Morris and Vincent Duffy jr.  they are reporting the same account under different account numbers and the two names they use Automated Collection Services & RentDebt automated collections.  they are very rude on the phone, they threaten, use profanity. here is their contact information, automated collection services  2285 murfreesboro pike suite# 200  Nashville Tenn. 37217   fax (615)361-4816  (800)467-2316  (615)361-6997 or 8809  RentDebt automated collections   same address  (615)360-8062  these oxymoron's think it's okay to bend and break the laws for profit.

April 2009   Galaxy Asset Management  Galaxy Asset Management,  Norcross Ga
International Risk Management  3295 River Exchange Dr, Ste 250  Norcross, GA 30092-4241
 Galaxy Asset Management is positioning itself to be a leading consumer  receivable asset management company that specializes in the purchase, management and liquidation of performing and non-performing consumer receivables both in the U.S. and Latin American Markets. It is led by  one of the most experienced management teams in the industry. The  team is comprised of four former Worldwide Asset Management and West  Asset Management executives including Tye Hanna, Ken Hurt, Rich  Lundeberg and Juan Blanco. It currently has over 250 employees in its  Atlanta, Georgia, Las Vegas, Nevada, and Guadalajara, Mexico  locations. More information is available by calling 1-800-305-9811.

April 2009   Bailey & Fuller   I received a call this morning by Statewide Processing on my cell phone, asking for my son. When I told the caller I was his mother, they identified me correctly, and said I was being notified to confirm my address for service of a suit. I asked the caller why they were contacting my son, at my number, when the matter concerned me, I was given a run-around with no response. Statewide Processing then gave me a number, 866-407-9097 to contact Bailey and Fuller, purporting to be a law firm in New York, who were filing suit against me. As I work for an attorney, I contacted the Clerk's office and discovered no suit had been filed.

April 2009   Capital Collections LLC International Recovery  I had a loan through Cash Advance USA. They sold it to this outfit. They are calling my work and are giving personal information - old bank account, amount of debt to third party. They are telling people at my job (and me) that I am going to be arrested. They have never sent me any paper and refuse to send me anything. The only way to pay them is Western Union. I sent two payments but wont send anymore. Cash Advance says they sold the dbt and they are out of it. When I called the number they will not give me any information to contact them - no address, no fax, etc. The guy who is calling and harassing me is Mike Mendez. I called the department of banking and they are not licensed in my state.

April 2009   C.A.R. & Associates  Depew, NY Another Zombie debt collector calling with threats of litigation, posing as a law office Phone numbers are 877-651-0148 and 716-206-0094. Same tactics from Buffalo, NY youe've heard thousands of times. No corporate names found, no license anywhere in the US or bonds. Another consumer scam by liars out to steal money. Send us any information you have on this latest con, we will publish it. STRONGLY advise everyone NOT to send them money or give them your banking or credit card information, you WILL regret it!

April 2009   ARA/Assets Recovery Associates/Agency I would like to add info on this agency. ARA is Assets Recovery Associates (Agency). Their letters come from IL. After a lot of research I found out they are associated with Financial Services. Financial Services has had a lot of legal problems in IL. Looks like ARA took over some of their accounts. They are usually aged SOL accounts. Be very careful. They are not honest people. I received communication from them a few weeks ago. No street address-just a P.O. They wanted an unbelievable amount from an account that is well over 10 years old and SOL. I called my attorneys. They are handling it for me. They are writing several letters to let them know I am not a stupid consumer buckling under their pressure. Please, if anyone has received any letters from these people. Contact the FTC, BBB, or/and legal counsel. If you want any info on a collection agency or a person connected with a collection agency that you may suspect may be scamming you, you can find out if they have any history of doing these things. Just go to: google. Type in name and then type in scam. Info will come up. Bud Hibbs is a tremendous help to the consumer. What a wonderful person to have as a consumer advocate. Thank you Bud for all the hard work you are doing for consumers like me.

April 2009   Hyman and Dillard, New Jersey  I got call from man Shawn Ambrose who says he is an investigator. He did not say he was with Hyman and Dillard but that agency is associated with his phone number 716-931-9828. He said I was going to be served with papers and would have to appear in municipal court for two counts of fraud. I called him back and left message telling him that it was illegal to threaten me for payday loan. He called me back and said I must be a pro at being a debtor since I had researched the law but that he is not a collector but an investigator. He said I was a coward to leave a message and not talk to him. I had left message not to call me at work for fear of losing my job. He called back many times and I hung up on him.

April 2009   Interchange Payment Solutions Las Vegas I was terrified by the tactics of the above agency. A so-called private investigator called and claimed that I could go to jail for 3months - 1 year for fraud because I didn't pay off a debt from 7 years ago. I gave him my checking account number over the phone. they took out $500.00 (which was the amount we agreed on) and the rest had to be paid in 2 months or face legal action. I was so scared and didn't want to go to jail. I did close out my account and now waiting for the slew of terrifying phone calls

April 2009   National Check Bureaus I have recently found out that they have the same address as Unifund and they have somehow placed a judgment against me and attached a lien to a vacant pc of land that I own. After reading from this site and others I am believing they may have pushed this thru unlawfully. Everything that is happening sure sounds like what has happened to others.

April 2009   CRS Check Recovery Services, Buffalo, NY Another Scam Debt Collector Collecting Illegally.
Check Recovery Services/CRS   255 Great Arrow  Buffalo, NY 1420  &  167 Ashland Ave.  Buffalo, NY 14222
Ph:716-332-1859 888-414-4143

March 2009   Greystone Alliance LLC  (Formerly Elite Recovery Solutions)  Debt collections veteran Anthony Frisicaro is at it again, coming out of semi-retirement to launch another new debt collections firm in Western New York, five years after he sold his previous firm to an Indian company.  Frisicaro, working with two sons, formed Greystone Alliance LLC to specialize in credit card and retail collections for banks and debt buyers.  He’s been out of the business for nearly three years after leaving the Indian firm, but he’s rekindled his relationships with his former clients. And he plans to follow the same model that worked for nearly a decade at Account Solutions Group LLC, his former firm in Amherst.  He also lined up a management team that includes sons Daniel and Eric, and Richard Corica, the former CEO of Elite, who will be chief operating officer.

March 2009   CVCS   Coachella Valley Collection Service  44825 San Pablo   PO Box 928  Palm Desert, CA 92261-0928  Toll Free: (888) 710-5666  Phone: (760) 346-7458  Fax: (760) 779-0271   had the unfortunate pleasure of dealing with this company last night. On our Caller ID comes up CVCS. My wife answered and its an automated phone message stating is this .... and then puts you on hold. We waited cause we just filed a chapter 7 and wanted to know who was calling. Finally a man came on who wouldn't give his name and told my wife he was with CVCS, a debt collection agency and my wife tried to tell him that we filled bankruptcy and he said he didn't care and wanted to talk to me. So I got on the phone and asked him what this was concerning cause we had recently filed bk and he kept pushing saying it was a bill from Altell. when I repeatedly asked him when it was from he kept sidestepping till I got forceful and demanded to know when the bill was from and its from 2001 which is past our SL and when I mentioned that he said he didn't care Cause they purchased the account and how were we going to take care of the bill and I had to reiterate 4 times that we were in the process of a chapter 7 and that he would have to contact our lawyer and he finally took the information and hung up, but was one of the rudest jerks I have ever encountered and wouldn't listen to a word I said. I am reporting them to the AG.

March 2009   Law Offices W. C. French  908 Town & Country Blvd., Suite 230 Houston, Texas 77024 Cease and Desist in Nevada for being a bad collector... http://fid.state.nv.us/Notices/2009/2009-03-10_CDLawOfficesOfWCFrench.pdf

March 2009   Marval and Associates, Amherst, NY  they portray themselves as a attorney network and its run by a 23 year old piss pot who needs to stop selling drugs and wake

March 2009   A&S Collection Associates, Inc. Williamstown, VT   Statewide Sweep Nets Drug Dealers/Collection Agency-Owner -Times Argus March 7,2009  Police also arrested 44-year-old Ronald Saldi, of Williamstown, owner of A&S Collection Associates, Inc. after he allegedly delivered 15 ounces of cocaine to an individual cooperating with police during an investigation that began at the end of January. Saldi owns A&S Collections Services in Williamstown.

March 2009   Law Office of James A. West, PC    This group calls me once a week and ends by saying they are attempting to collect a debt. They did write to me listing an American Express Credit Card and the letter was signed by Michael J Young Attorney at Law. I sent them a cease-comm letter for which I have a signed receipt. However they are still calling (they leave voice messages and I have never spoken to them). A search of the internet reveals they may not be on the up and up.

March 2009   Integrity Investigational Services - City Unknown  I would like to find some information about a company INTEGRITY INVESTIGATIONAL SERVICES. I have received 3 calls from INVESTIGATOR PETER KELLY. He says he is calling about a pending civil case to be filed in my county in Massachusetts. All the calls come at exactly the same time of day, 12:14pm. There is no mention of what the pending case involves. He gives me 48 hrs. to responded or else litigation will ensue. He says it is a very serious matter. I have looked on the web for correct mailing address but seem not to find much info. on them. I have filed a c/o with FTC and the BBB of Alabama. They call from and tell you to respond to 866-571-7616.

March 2009   Western Capital Group, Murrieta, CA   Just wanted to alert everyone to this scam operation.  They want folks to believe they are tied to Western Capital in Salt Lake - and Robert Paisola, but it's a different operation using the Western Capital name.  Western Capital Group  17291 Irvine Blvd, #304, Murrieta, CA  92780  (Tustin CA Mailbox)  951-837-4937  One of his people called me today asking if I was gonna be home to serve me papers. The lady stated she was from the county clerks office. I asked her who it was from but she said I would have to call the number on the “summons” 866-355-8247 and reference case number xxxxx.  Ask for Stephanie Miller.

March 2009   Cambridge Huxley & Associates, LLC   Newest Buffalo Area Scam Collectors.   Cambridge Huxley & Associates, LLC (not lawyers)  3840 E Robinson Rd Ste 243    Amherst, NY 14228    866-376-4180 866-878-8873
Payday loan collectors, lots of threats (drugs?)  This is Maya Kovik of Giove Law fame...

March 2009   CPC ??   Got a call from phone # 952.215.0405. Told here the person she was looking for no longer lived here. Collector gave name as Jennifer Hudson (yeah right). She was very rude to my wife. I called her back and asked here who she worked for. She lost connection. Called her back again. She said she worked for CPC or CTC. Hard to tell what she said. Asked her for phone number of headquarters for the company. She said she would forward me to her supervisor. She did and the phone rang forever, no one answered and there was no voice mail that answered. Called her back and asked her again the number for her companies phone number. She hung up on me. Called her back and got her voice mail.

Very unprofessional person. Probably violated FDCPA. Can't find a CPC collection agency anywhere or a CTC. It appears she is working out of her home in Minneapolis for someone.

March 2009  Bad Check Diversion Program (Link)  If you received a postcard for SCH Corp. saying that you may have a claim as a creditor, do what it says if you participated in the Bad Check Diversion Restitution participation. You don't have much time either as the date for disputing the sale to Levine Leichtman Capital Partners or another over bidder is March 30.

March 2009  Bad Check Diversion Program (Link)  I too got scammed by this company too. It scared the daylights out of me when it said I'd be put in prison for five years and fined $25,000. A couple of days ago I got a postcard from SCH Corp claiming I might have a claim against them. When I googled ACCS I found out that they had no right to do that. For anyone that has been go to www.SCHCorppoc.com  and get a claim form, use documentation if you still have it (thank god I kept all of it) for a $24.93 check I ended up paying $224.93 for that. YOU CAN GET YOUR MONEY BACK BUT YOU NEED TO FILE A CLAIM. DO IT!!! When you go into the seminar they make you feel like you're the lowest form of society.

March 2009  Rubin and Yates, Williamsburg   This agency pretends to be connected with your local government. They tell you that you are being taken to court and might be arrested because of the debt. Give them only a PO box to send information about the debt and do not own up to the debt. The company is really listed as Management Recruiters of Williamsville Inc. They are in no way connected to any law firms or government court systems. They are extremely mean on the phone and will accuse you of being rude to them to try and get you to become upset and give more information.

March 2009   Forster & Garbus   I got a summon from Forster & Garbus Jan of 2009, to show up in court Dec of 2008.Having received this letter I call Forster & Garbus and spoke to Jason, who told me my account for Capitol One was outstanding and I owe $1400 something. I disputed that I had a credit limit of only $750, so how was it I owe $1400 something. I told him that I don\'t have the money to pay and I will only pay for what I have for Capitol One($759), better yet I will give him $1000.He told me to set up a payment plan and pay some up front. I told him that I will try to get the money to him by the end of the month, only to get a call from him a week and half after asking me for the payment. I laps on the payment because of illness, to my surprise I received a wage garnishment letter of $1786.After receiving this letter I call them to find out if I can pay the $1000.My call was answer by a very rude lady telling me I can't pay that I have to pay the full amount now or my wages is going to be garnish, she then hand the phone up in my ear. Later that day I received a call from Jason, I told him I was trying to get him but unsuccessful and confronted by rude representative. his response was what can I do for you now, I was offended by this but continue. I stated that I want to pay the $1000 and that is all I can afford, he told he he cant take it, I will have to pay 1400...I told him I wasn't sure if I will be in a job soon, he clearly stated that it is not is business...i when on the tell him about the law he say he don't need to hear and that my attorney will not be able to help me and I still have to pay.

March 2009   Apex Processing Services   Apex Processing Services is no longer!! Steve Smith has finally got his day!The company is officially bankrupt and in a lot of trouble with the state for failure to pay into the unemployment fund!! Everyone beware because I'm sure that this is not the end of con-man Steve Smith!! He has already flopped a company on the West Coast (CA) and East Coast (PA). My best guess is that he will try to open up shop up North and/or down South!! Its so nice to see a crooked business person get his day!!!

March 2009   Marval and Associates, Amherst, NY  they portray themselves as a attorney network and its run by a 23 year old piss pot who needs to stop selling drugs and wake up to reality don't give these people your money Dominick is a drug dealer who uses other peoples hard earned money to fund his drug dealings.

March 2009   Zakheim & Associates, PA  Another low life bottom feeder. One could say that they collect the accounts and then sue you all at once. I called about one account and found out that they had three of mine. They offered me a 40% settlement on one account. When I said I could pay that in a lump sum they asked about the other account. When I told them that I could only do one at a time, they informed me that the others will go legal. In which they did. I told them I could settle the second account in 30 days but they would not wait. I really think that these firms get off on this.

March 2009   Jason Head, PLC, Virginia Beach, VA  I have gotten three messages from his office on my answering machine (all recorded). I have not returned the calls. I wondered if you had any information on his office or a good address so I can send them a DV letter.

March 2009   Chris Carnohan, Rausch, Sturm, Isreal, Enerson & Hornik, LLC   received a collection letter from Chris Carnohan. He claims that he is now part of the legal firm Rausch, Sturm, Israel, Enerson & Hornik, LLC. The letter states he is from the Abilene Office at 401 Cypress St., Suite 300, P.O. Box 3018, Abilene, TX 79604. The only PO Box in Abilene with that number belongs to Jon Hanna, attorney at law. The actual letter came from zip code 53227, which is from Milwaukee WI, not Abilene TX.

I Googled the address and phone number. The phone number is to The RSIEH offices in Wisconsin. The Abilene street address/suite number appears to belong to a CPA, as well as the Carnohan law firm. I looked at one directory listing for a Chris Carnohan law firm in Abilene (he claims he is no longer with them!), and it looks legit until you click the links. The website address went to the Toro lawnmower website!

This looks like a scam to me. I saw a two posts about Chris Carnohan on this forum. Sounds like a real scumbag...

March 2009   Ethan & Associates  This collection agency allowed someone to fraudulently claim that there was a debt and they threatened to send in a private investigator to perform an asset evaluation/documentation so that they could determine value. This was their FIRST contact. The left the message on voice mail so I have objective evidence.

March 2009   Rickenbacker Group, Gilroy  These are sleazeballs such as Bay AREA Credit.  These jerks lie, steal, and con they way to destroy you credit report. These convicts should be at the WORST company list! You can see all horror stories on these jerks all over the web. If you ever had a car towed, sold, and these scammers put stuff on your credit report and even it\'s not in your name or whatever, these shady characters don\'t never have any validation of a debt and violation every FDCRA violation in harassing you on the phone 60 times a day and CEASE & DESIST orders that continue to call the owner is:    Carlos Casas   7568 MONTEREY ST GILROY, CA 95020   Phone: (408) 846-9200 and emails of the other sleazeballers apatel@rickenbackergroup.com  tbevington@rickenbackergroup.com     ccasas@rickenbackergroup.com

March 2009   ACC-American Credit Collections on behalf Penn Foster aka Thomson Direct Education  Scranton, PA  have dealt with these idiots @ ACC (American Credit Collections) this morning when they have put on my credit report $1,338. I have called & spoken to actual creditor of the Penn Foster College billing/collections manager of Penn Foster- Noreen Griggs (570) 961-4601 and email noreen.griggs@pennfoster.edu  Noreen, will take care of your issues and she's very professional. I told her that Penn Foster need to not be contracted with them due to the ACC's rudeness and too many complaints. My situation was Identity theft and found that the company didn't have me on file as they had incorrect information and had to remove me from the system in which I never applied for their online school. I was called numerous name by ACC's wacko staff, Glenn and numerous others. Who got mad @ me on the phone while trying to deal with the issue on them reporting me and when I told him my rights of the FDCRA act. He blew up. I'm glad Noreen resolve my issue and advised anyone to not argue with those idiots and email and call Noreen with your issue. She resolved mine promptly as a letter being sent out of the clearance and the removal off my credit report of the negative information. Good Luck.

March 2009   Aberdeen Enterprises  4143 East 31st.Tulsa, Oklahoma, 74135 Lisa of Alberdeen Enterprises of Tulsa OK. are Low life debt collectors. They discuss your debt with other people trying to collect. and even ask people you know to pay the bill. That is a clear violation of the law. Then they try to scare you with arrest warrants. She leaves messages on family members voice mail telling them to pay the debt. or I will be arrested. Bud I really could use some help how do I file a complaint?

March 2009   American Customized Network  Lockport, NY  WILLIAM BENNETT THE OWNER OF THIS COMPANY AND HIS MANAGER ADAM ODDO. THEY MAKE A LIVING FROM THREATENING CONSUMERS AND ADDING OBNOXIOUS AMOUNTS TO PEOPLES BALANCES. IM SURE WHAT THEY ARE DOING HAS TO BE ILLEGAL?????

March 2009   Norfolk Financial Corp.  I am writing about a company not on your list but should be. The company is Norfolk Financial corp. The owner is Daniel W. Goldstone and if you do a Google search on his name it will usually be the first one on the top. He used to run a law firm, Goldstone and Sudalter. After bilking Sears out of more than $800,000 he was sued by Sears to pay it back plus attorney fees and court costs which amounted to over $900,000. He made 1 payment of around $80,000 and never made another payment again. In January of 2006 he was disbarred and cannot practice law for at least 8 years I believe. He also feels he is not a debt collector and he thinks he is a debt buyer so he feels he does not need to follow the laws.

He uses a law firm, Forsyth Law Offices P.C. who at the time was owned by Maureen Forsyth. She had the law firm for a little over a year and then she bailed out and sold it off but it is run under the same name. At times both Norfolk and forsth law offices where run from the same address and if you called both phone numbers, the same person picks up. The law firm is now owned by Carl Brugnoli and he graduated from law school with Maureen frosyth. Everything he does is exactly the same as her. All records I have received from Forsyth law offices where mailed from Cumberland RI where Maureen Forsyth is not an attorney but ironically Norfolk Financial Corp. has an office.

They attempted to sue me and I was served on March of 2008. I received a letter from them with a manufactured credit card statement and this letter did not have the 30 day disclosure giving the consumer the right to dispute the debt. The summons came less than 30 days later but was originally filled out on November 15th 2007. They continue to violate the law and I am frankly sick of seeing people being abused by this company. I am dealing with them again as this is the second time I have been sued by them on the same debt, the first time the case was dismissed, that is when Maureen Forsyth packed her bags.

I pretty much told the court that Norfolk Financial Corp is sending out documents on an attorney letterhead and the attorney for them accused me of slander which is a joke. I know one thing, I am not paying them a dime on something I do not owe and they have nothing to prove I owe it except for some fake documents that they got from another debt collector, Global Acceptance Credit Corporation. Forsyth Law Offices P.C. LIES on court documents, I mailed them the answers to the interrogatories and they tried to file a motion for default judgment. They said they never got an answer from me. I motioned to dismiss the case and he said he got the answers, he just didn't like them. I sent a debt validation letter and they said I didn't at the hearing they said they responded to it, TWO MONTHS EARLIER!!!! The best part is, now I have all of their lies on paper and they just dug themselves a big whole come March 19th when I got to the case management hearing.

I feel you need to add both Norfolk Financial Corp. and Forsyth Law Offices P.C. to your Agency List as they are pretty nasty people. I know this debt is not mine and I can't prove them wrong the court sides with them. For a debt collector to sue others who don't pay their bills is one thing but for Daniel W. Goldstone who DID NOT pay back almost $900,000 to Sears and expects people to pay him is complete BULL S***...

If you need any help in finding information on this company, feel free to contact me, as for forsyth law offices, the only way to find them is a phone book no website but Norfolk Financial Corp does have a website and also a D and an F rating with the BBB. under the name Norfolk financial I believe.

March 2009   CMRE Financial Services  Due to medical bills beyond our control, we were turned over to collection agencies. CMRE is very rude and pushing us to sign forms immediately to commit to their terms. If I don't respond to them within 15 days, they will turn us over to all 3 credit reports.

March 2009   IDR  - Attorney David Green, Phoenix  I have been dealing with IDR / Attorney David Green and have already paid them for the debt but I am questioning the legitimacy . I went into the office to make my final pmt to them and it was a tiny little office with file boxes everywhere and it gave the feel that it was either brand new and they were unpacking or that they were getting ready to cut and run. prior to going into the office they said that IDR and the attorney were separate companies but when I got there the receptionist (if you could call her that) was answering for both companies. Lastly on the final pmt before I made it I had to call and ask if I could push my pmt back a week and the guy not only told me no but that if I did not make it by the deadline he set that he would personally walk it upstairs (lol their is no upstairs) to the attorney and have him prosecute me .....needless to say I freaked and came up with the money and paid but after seeing their office I don't think I should have, I am worried I just got scammed.

March 2009   Retrieval Masters Creditors Bureau, Inc.  I received a very threatening notice from this agency for a debt from about 4.5 years ago....here is how it reads: You may believe that (agency they bought debt from) will eventually forget about the (amount) you owe for your (account). However, it is our responsibility to make sure that neither our client nor you forgets this debt. There is no longer any justification for not paying the money that you owe our client. Withholding payment is not acceptable. Your lack of response has placed your credit record in jeopardy. You can resolve this problem easily before we are forced to take further collection steps. Send us you remittance for (amount) with the bottom portion of this letter.

March 2009   Apex Processing Services  Apex Processing services is a phantom company operating under several different business names. These names include AB Financial located in Wynnewood, PA and specialize in sub prime home loans. The other company they operate under is Alternative Business Credit (In the same office). The President of this company is Steve Smith who is a complete con-man. I worked for this company for over three months with a written offer of employment stating a concrete amount of compensation on a w-2 basis. Not once was I paid my salary and/or commissions due to me for 2 accounts sold in excess of 2.5 million dollars total. After leaving the company due to no income stemming from excuses as to why there was a delay in payment I filed for unemployment only to find that Steve Smith and apex were not paying into the state fund. I have alerted the PA state unemployment agency as to what happened during my employment with this company. Consumer BEWARE as well as POTENTIAL EMPLOYEE BEWARE!! I am doing everything in my power to make sure that Apex and Steve Smith are brought to JUSTICE through the Judicial system!! Updates to come......

March 2009   National Credit Systems    This collection agency is a 3rd party agency for apartments. They will contact you and tell you that if you pay the debt off they will remove it from your credit report. Once you pay them off they refuse to remove anything. They also refuse to validate any debts they say you owe.

March 2009   Law office of John P Frye, Roanoke, VA    this is also a company owned by Richard e Woolwine the 3rd. of Atlantic credit and finance. He and dirt bag brother kelly woolwine have enlisted the help of their cousin,, John P. the weasel Frye. they practice the worst kind of collection. total threat collections. they state that they intend to sue every debtor in the portfolio. Obvious b.s. I would love to see you shut the doors on these sob's. You must understand that the pressure put on the collections goons is such that they see no other way to keep their job. It is true that over 60 collectors have been fired in the last month and the business is prime for the last nail to be driven into this vampire's blackened heart.

March 2009   Zackheim and Associates. Plantation, FL   These people demand post dated down payment checks ,threaten to take your property and will not identify who they really are. How to I answer their summons for the lawsuit that they are bringing against me?

February 2009   Takhar Group, Niagara Falls, NY   Despite being informed numerous times over the last few months that the person they are trying to reach does not live here, they still call. Given what I've heard about this company, the person they are trying to reach probably doesn't owe any debt either. If you are contacted by this agency regarding a debt with Columbia House or BMG Music, know that it is probably bogus.

Their web page is www.takhargroup.com
Takhar Collection Services Ltd (TCS)   202 Beverly Street   Cambrdige ON N1R 3Z8, CANADA
Takhar Collection Services Ltd (TCS)  2500, boul. Daniel-Johnson  Bureau 908 Laval, Quebec H7T 2P6, CANADA
Takhar Collection Services Ltd  1623 Military Road, Suite 537  Niagara Falls, New York 14304

February 2009   Peak Capital Corp  Largo, FL   This showed up on my credit report stating that the original creditor was Peter Blackerby. I don't know who either one of them are. They state for Cash Advance Now account (which was paid in full in 2005). This is showing a date of 2007 and a recent payment of $50.00 and a balance of $239. I have disputed this with Experian and will see what happens. Says it is in collections since January 2007, but it just now shows up on my credit report as I am always checking my credit report.

February 2009   Palomar Associates, Carlsbad  I called to ask questions and was transferred to account manager Johnny. He was rude and continued to interrupt me, while telling me I was rude and shouldn't interrupt him. He did not answer my questions and told me I had made payments to an account I haven't ever had. When I finally asked him not to act like a ass and to answer my questions accordingly he hung up on me. I have since typed up the cease letter and I will deal with the appropriate creditor directly.

February 2009   Sidney Mickell Law Office  I've read that this company is not a legit company. Not sure though. Today they called the school where my daughter goes. Is this not harassment?

February 2009   American Credit Bureau,  Boca Raton  This company keeps calling my home even after being asked to stop calling and do all correspondence in writing. the customer services reps have absolutely no training and are very rude. when I tried to speak to them to get them to stop calling I spoke to a woman named crystal and she told me they would not stop calling until I paid them and when I asked for a supervisor she said she was a supervisor I asked for her manager and she hung up! I have not received a letter from this company so I have no idea what I owe or to whom.

February 2009   NCB Management Services Inc  One Allied Drive Trevose, PA 19053 http://www.ncbi.com
Ed Haskell claims that I owe money to his company, but will not provide any information of who the company is.... also called my neighbor and told her to come to my house because he had a very important message to give me and that it was an emergency for to to go right away and deliver the message.  I filed a claim with the FTC. I hope he loses his job and starts getting phone calls as well! The number comes up on caller ID as 800-828-1110 - BEWARE! They are scum!  (We love the names collectors pick for themselves.  Eddie Haskell indeed.)

February 2009   Rickenbacker 15005 Concord Cir, Morgan Hill CA 95037  This is a fraudulent agency. The get people names off mailing list and use deceptive methods to get you to pay. I had sent cease and desist letters as they continue to call all hours of the day. They put $1000 on my credit report. They re-aged the account as it just occurred. I now have to go thru my state general attorney's office to do a complaint about these scammers.

February 2009   CRI Collection Receivable Incorporated  1835 Central Avenue Augusta, GA 30904 Kathy Woods (Manager)  (706) 736-6746  This collection agency engaged in the following unfair and abusive collection practices specifically prohibited by the Fair Debt Collection Practices Act, 15 USC §1692.  CRI advised for me to contact my tax preparer and find out why he has not filed our taxes yet. They need to be done immediately; this is a serious issue that needs to be addresses. They wanted him to contact her; so she can discuss my business with them.

CRI was advised the amount promised will not be in the account and requested the checks were voided, until notification otherwise. CRI refuses to void any checks, accuses me of spending my income tax check. On three occasions CRI contacted me at my place of employment after having been notified verbally to quit calling me at work.  Kathy Woods used obscene and abusive language. Do you know what I going to do? If this check bounces, I will file suit against you, have you served at work, and garnish your wages.

February 2009   PMI & Associates     May be wrong on the name - couldn't find anything on them on your site.  Nasty, nasty people - called and threatened me with arrest on a debt not even mine...

February 2009   PMI & Associates      Wanted to see if you have any info on this agency. They called my wife and threatened to take her to court over a 680$ online loan that she said she didn't make, and wanted her to agree with them on a payment.. so she said how long (just seeing what they say) ..they said 4 hours.. lol.. They said she will be charged with a misdemeanor if she didn't pay.   PMI & Associates  4779 Transit Rd suite 8 Depew, NY 14043  614-586-.4288  614-586-9890  Fax 614-586-4289  http://pmiassociatesinc.com/index.php

February 2009   Wakefield and Associates, Aurora, CO    Harassing phone calls to myself and continually to my family members. Verging on the threatening side...  Wakefield & Associates, Inc.  Suzanne Wakefield, President
3091 S Jamaica Ct Ste 200  Aurora, CO 80014-2639  Phone: (303) 537-2900   Fax: (303) 537-2901
www.wakeassoc.com

February 2009   American Recovery Systems, Inc  (ARS) 1699 Wall St Ste 300, ZIP: 60056-5778  Mt Prospect, IL 60056-5778  Phone: (847) 357-9800 Fax: (847) 709-7850  Ms. Beth S. Lubeck Allen, President  Email: alina@arscollection.com  Website: www.finalletter.com Also: www.arscollection.com   HOLD ON TO YOUR MONEY, ARS APPEARS TO BE CLOSING THEIR DOORS! According to a reliable source, ARS employee Chris Williams has stated that ARS is winding up operations.  If you believe you owe them money, email us - we may have a better address for any payments...  ARS Payments

February 2009   Vericore (Louisiana and North Carolina)    I got a call from a guy claiming to be an investigator  hired by Vericore to do a asset and liability investigation when I called the number as instructed to find out what this was about because this so called investigator had no info a mr Vince Russo answered the phone and said they are conducting an investigation on my business and that they would be contacting the secretary of state, My Bank My distributors and the town hall a long with a couple of other places when he finally told me who the creditor was I told him I was not dening the debt and was doing everything possible to pay it when I contacted the original creditor about a week before the phone call from Vericore the bill was $2800.00 know the bill according to vericore is almost $4,000.00 I have the original invoice when I mentioned it to mr Russo he could not show where the additional charges are coming from I am not sure of my rights but I have not received any info what so ever from this company he has sent me what appears to be a draft that they are sending to my bank asking all kinds of information regarding my company I sent $1,000.00 on the day we spoke on the phone through a check fax to vericore with the check made out to the original creditor as instructed that night I got a call demanding the rest of payment I am having regrets about not sending the check directly to the original creditor because now I am not sure if the money is going to were it should at the time I was pretty intimidated by these guys and the more I check this company out the more angry I get letting them get the best of me any info on this would be very helpful thank you  (keep searching down the page for more Vericore...)

February 2009   New Falls Corporation     have not been able to locate this organization in any listings in USA if anyone knows anything about them please let me know they claim to have an outstanding bill on me and will not give me any information on the phone also they hang up before I am able to go from one room to the other to use a phone I can hear on due to hearing loss. If anyone knows anything please let me know

February 2009   Cadle Company-Buckeye Retirement    This company (owned by Dan Cadle) purchase your debt, sit on it for years, and then slam you with a judgment. This happened to me 15 years ago. They collect 35 per month now for a debt of 1300.00. I owe them 8300.00. Working on a lawsuit with them. Google them one man won I believe about a million dollars. This company threatens to throw me in jail and have been on me for 15 years. I cannot win.

February 2009   Pioneer Credit Recovery, Moorestown, NJ    am looking for information about these guys. They have been harassing us for months. And they keep threatening to file a suit for $500 which we don't think is possible. We also sent them a $100 check sometime ago that they cashed but are not showing on our statement.

February 2009   Premiere Credit of North America, Indianapolis   They continually call me. Last night they called and told my daughter they were verifying my personal information for a job I had applied to. My husband took the phone and they refused to identify them selves. They said they were trying to prevent identity theft. They also falsify their caller id. they must use a switcher so that the called id will read a cell number, or someone's personnel home number. Should I call these people and let them know that there numbers are being used to falsely identify collection agencies ?

February 2009   Evans, Thomas & Associates   This company called a relative's phone & told them I needed to contact them immediately or I would be taken to court--when I called them back, they told me I owed money on a credit card from 2001. I didn't think so, but listened to what they had to say. Was told if I didn't pay, it would go to the county & would go to court. They sent me an agreement by email(2 weeks after they said they would) in the newest version of MS Word--couldn't open it, so I asked them to mail it to me. Never have seen that agreement. I have emailed them 4 times, no response. I have already made 2 payments to them (equaling about $400)--no more! I emailed them & told them that due to their lack of response, they would get no more money from me. Any words of wisdom on this company? I used Money Gram to send the $$$ so they wouldn't have any of my debit card info.

February 2009   Professional Recovery Services, Voorhees, NY   This company contacted me at my place of employment. Person calling verified my name and then did not want to give me where he was calling from. Finally, he very quickly told me PRS. He was calling about Household Bank. I explained that I was not allowed to receive personal calls at work. He proceeded to tell me what I joke I was and kept asking if I had an attorney. He then went on to say at least he didn't have anyone calling him at work about money. I again repeated that I could not take these calls at work. His response was that I would continue to get them. I finally hung up.

February 2009   Richard J Boudreau & Associates   This company recently began calling. I have not received anything in the mail from them but they are using my maiden name. I only have one outstanding debt under that name and it is one that until recently I was making payments on via an Arkansas attorney. The agencies kept selling it off and the new agency would then call harassing and send me a letter. Most recently I received a letter from a J C Christensen and Associates. I mailed them a letter for them to validate the debt

February 2009   Antyreon Cambric  Have you seen or do you know this man, Antyreon aka AC Cambric. Last doing business in Menifee or Temecula CA. Under Maclen and Associates or Fellowship. This man is a thief, a liar and have stolen money from clients. His fraudulent practice in collections has cost local businesses money and over 1000 credit card holders money. He uses the Name of God as a cover up. Antyreon Cambric is a smooth approachable, well organized, manipulative man. He comes in the name of God, to get the attention of Christian based organizations and individuals. He has been running these schemes for over 10 years, with the experience of collections. His scam has effected many. Small businesses, corporations, individuals, investors, etc.  WATCH OUT FOR YOUR CREDIT!! Watch out for a collection agency by the name: MACLEN AND ASSOCIATES OR FELLOWSHIP COLLECTIONS!! If you know information about this man or company please leave a response it will be checked daily. PLEASE HELP STOP THE SCAMS AND CONTACT THE MURRIETA CA. POLICE DEPARTMENT IF YOU HAVE BEEN A VICTIM OF THIS MAN ANTYREON CAMBRIC!! AKA AC.

February 2009   Legal Action Recovery  I received a phone call from a Jessica Davis, I acted as though I was not the person they wanted to speak with and as to take a message. She stated she was Jessica Davis with Legal Action Recovery and a Civil Complaint had been filed against me and to please call back. Of course, I was mystified. I waited a few minutes and then called back. I got some other guy, he would not let me speak with Jessica.

February 2009   Kramer and Frank, PC, St. Louis  Was taken to court by this firm and signed an agreement to pay monthly. A year later I sent them my payment, they returned it with a letter stating the account was closed by the client. Four months later they are attempting wage garnishment.

February 2009   Joseph, Mann & Creed Cleveland  Buys debts that are out of SOL and then makes threatening remarks about pending litigation when no such litigation exists. Does not respond to timely DV requests under sec 809(b) of FDCPA. At this point, I am unsure whether they will comply with request cease & desist. They have so far (it's been 2 weeks)

February 2009   Galaxy Asset Management Las Vegas, NV ...Guadalajara, Mexico and Atlanta GA ELITE RECOVERY SERVICES  was reading the latest posts on this particular page and someone asked if somebody have information about Galaxy Asset Purchasing Inc. So this is what I found out about. I just thought I would save about an hour of searching to someone else.

CarVal Investors, LLC and Galaxy Asset Management have announced that the two companies will manage investments, on behalf of their clients, in a variety of consumer debt asset classes, including credit card receivables and various other consumer loans and receivables in the United States. Galaxy and CarVal Investors currently manage investments in various Latin American countries. Galaxy will also function as a third-party servicer for other consumer receivables.

“As a leading manager of investments in U.S. loan portfolios, CarVal Investors is pleased to work with Galaxy, a company that shares our continued interest in the consumer debt market,” said Wes Schiffler, managing director with CarVal Investors. “Galaxy’s leadership has more than 50 years of combined experience and we have confidence in their ability to be successful in the industry.”

“CarVal Investors has a long history in managing investments in consumer assets on behalf of its clients, an experienced team and the expertise to effectively navigate risk and determine the inherent value of a portfolio,” said Tye Hanna, CEO of Galaxy. “By working with CarVal Investors, Galaxy is well-positioned to pursue new opportunities in this challenging market. We have a long and rewarding history in working with CarVal Investors and we look forward to this new and exciting opportunity.”

About Galaxy Asset Management
Galaxy Asset Management is positioning itself to be a leading consumer receivable asset management company that specializes in the purchase, management and liquidation of performing and non-performing consumer receivables both in the U.S. and Latin American Markets. It is led by one of the most experienced management teams in the industry. The team is comprised of four former Worldwide Asset Management and West Asset Management executives including Tye Hanna, Ken Hurt, Rich Lundeberg and Juan Blanco. It currently has over 250 employees in its Atlanta, Georgia, Las Vegas, Nevada, and Guadalajara, Mexico locations. More information is available by calling 1-800-305-9811.

About CarVal Investors
Founded in 1987, CarVal Investors has managed investments in more than $25 billion in assets in 3,600 transactions in 43 countries. Today, the firm has $9.5 billion in assets under management and has 350 employees in 12 offices across the globe. CarVal Investors has managed investments in more than $2 billion of unsecured consumer assets, including general purpose credit cards, retail and private-label credit cards, installment loans, telecommunications receivables, automotive loan and deficiencies and other unsecured receivables. More information is available at www.carvalinvestors.com.

I would have posted this under Galaxy Asset Management but it wasn't on the list.

January 2009   Bullhead Investments LLC is sending out bogus collection letters through NC Attorneys claiming to be for accounts they have acquired from Household Renaissance Fre (???) and will settle for half price or less depending on the promptness of payments on bogus debts. Coincidentally offering at this time of year to make use of tax return money to settle the debt. Fishing for suckers??

January 2009  Delanor Kemper & Associates, LLC  Canada  I received a call from a woman who identified herself as Agent Dennis with Delanor Kemper something or other. She said they are fixing to file paperwork to charge me with bad check, a felony, and theft by deception, a misdemeanor, for a payday loan from 9/15/05. She could not tell me the original amount of the debt, she said it is now $952.50, but previously was $635.00, which has to still be with fees or something because I've never had a payday loan for that much. She has given me 24 hours to make arrangements to pay off the debt before I am charged. I couldn't find much info when I googled this company, but I do gather that they are just a collection agency and do not actually have the authority to charge me with criminal crimes. At least I certainly hope that is the case! I only saw one mention of them on this site, so maybe they are fairly new to the debt collection scene?

January 2009  Smith, Dean & Associates, Inc. aka/United Processing  Jacksonville, FL  This is a criminal organization run by Lisa G. Waters of 1679 Dockside Drive, Orange Park, FL 32003, born 12/1965. She has hundreds of thousands of dollars in judgments against her, was recently fined by the IL Attorney General for telling people the state would take their kids for not paying a bill. Lisa has a long history as a con artists and extortionist, no one should ever send money to either name, above. They cannot do anything to anyone. Lisa is a LIAR!

January 2009   Mapother & Mapother P.S.C This is another slimy bottom feeder if I ever saw one. These so called people place judgments and liens against you without going to court and have not proven or given any information about representing the so called credit card company after the debt has been charged off from the bank 10 months ago. We are fighting with whatever means that come our way but just wanted to make other people aware if they come in contact with them don't pay a cent, IT IS NOT WORTH IT!

January 2009   Vision Asset Management I am getting calls from the phone number 877-560-3744. they say they are (a litigation company). I ask them if they are a debt collector or an attorney's office and they won't tell me! they are very rude! how do I find out who this company is? after prying they said their address is: 248 3rd st. niagara falls, ny 14302  they say they are calling about an unpaid credit card bill that is a few years old. they know my name and the county that I live in as well as my address... they say they are called vision asset management. I checked the web for this company and all I come up with is a company from CT that does not appear to be the same company... any ideas or could anyone tell me about this company from the info I provided?

January 2009   Apex Processing Services This agency is absolute garbage.... They sell their services to prospective clients saying that they have never has a complaint with the BBB, ripoff report, and/or Budhibbs.com (Until NOW!!!). They say that ALL of their collectors are FDCPA and ACA certified which is complete BS!!! Their new hires are required to pass a 10 question test on the FDCPA guidelines and then put on the phone with absolutely on supervision. You can only guess what this leads to???? Some of their collection practices include telling the consumer that they are a Law Firm, telling a debtor that they are going to take them to court when they have no intention to (No Lawyer on staff!!!) Consumer Beware...

January 2009   Regional Adjustment Bureau Inc Memphis This agency seems very shady. Collecting on a debt that I called Capital One about on 4/17/08. Capital One me it was not my account, so I disputed it on Equifax. RAB called me on 1/16/09 wanting to make a settlement but have never sent me proper documentation. Spoke to Capital One on 1/16/09 and

January 2009   Regional Adjustment Bureau Inc Memphis This agency seems very shady. Collecting on a debt that I called Capital One about on 4/17/08. Capital One me it was not my account, so I disputed it on Equifax. RAB called me on 1/16/09 wanting to make a settlement but have never sent me proper documentation. Spoke to Capital One on 1/16/09 and 1/26/09 to which they stated the account was charged off due to bankruptcy, which I have never filed bankruptcy. Told I would have to deal with RAB. Called RAB on 1/26/09 and spoke to West McDonald who informed me all previous offers made for settlement were void, and that the rates for settlements change by the minute in their office. If you hang up on an offer, than that offer is void. Made a contract to settle for $1300 more than original offer. After receiving information in writing, I decided to file complaints with the BBB, AG of TN, and the FTC. Two hours after filing complaints, received a call from Carmen who said that she was the original person I spoke with, although on 1/16/09 the woman identified herself as Linda. Worked out a 50% settlement saving $750 dollars. I am asking now for confirmation in writing that the first contract is void and I want a list of the check numbers and dates that they will use. I DO NOT trust this agency, as I have read they have taken extra money out of consumers account than what payment was stated. Be careful! Make sure you write down all info and record your conversations with them if you can, as they come off as crooks and shady individuals.

January 2009   Eastern Asset Management I got a call from this lady saying she was calling on behalf of the law offices on an old credit card file I have. She told me what company it was for, my last 4 digits of my SSN, and she told me I had two weeks to make the first payment to Eastern Asset Management or I would be sued. So, I set up payment arrangements  and gave him my bank account number and paid them for 2 months. I just recently had a friend who got the same call as I did and she researched and found they are a scam company and I need to get out of them taking money from me.

We receive a fair number of complaints on Eastern Asset Management  about threats of a pending lawsuit. In a check of several states, we did not find any state where Ethical Asset Management  was licensed or bonded. One could assume they are an illegal debt collection organization. If you believe that you are being threatened contact:
New York State Attorney Grievance Committee   8th Judicial District  295 Main Street, Room 1036
Buffalo, NY 14203   (716) 858-1190   Fax: 716-856-2701
Web Site: http://www.courts.state.ny.us/ad4

January 2009   Bishop, White & Marshall, P.S.  720 Olive Way, Suite 1301, Seattle The 'SOL' in Washington State is 6 years for written contracts. This 'company' files bogus lawsuits over Christmas Eve, in clear disregard for the SOL, without letting anyone know the Court or true date of Summons. They get a default judgment and are trying hard to force payments. When they are called on the SOL they hang up on you.

January 2009   UNITED PROCESSING INC.  JACKSONVILLE, FL
WATERS, LISA  101 CENTURY 21 DRIVE #107  JACKSONVILLE, FL 32216 US
IVAN, CARMEN  12995 SILVER SPRINGS DRIVE N  JACKSONVILLE, FL 32246

SWICK, CYNTHIA  2527 TREEMONT ST  City-St-Zip: JACKSONVILLE, FL 32207

January 2009    I recently discovered that collection agencies are going on to job websites like monster.com and careerbuilder.com to find debtors or people with the same names that may come up when they post resumes to these websites. Since names, addresses, phone numbers and emails are usually on the resumes, they are easy to find. These collectors just list themselves as employers, so they then have access to these databases of job-seekers. Seems now that even job seekers aren't safe.

January 2009   Law Offices of Ross Gelfand, LLC - Roswell  here's another bottom feeder collector acting under the disguise of a atty shingle.. Nov 17, 2008 I get a letter saying that Capital One referred them & of course, I disputed validity of dept & request total & full documentation & send it back certified (return receipt) No response from them (of course) except on Jan 21, 2009 (over 60 days later!!!) so much for FDCPA!! they sent me a snail mail letter saying that Cap 1 will take 70% if paid within 3 days & of course they mention payment options out of a checking acct)... gimme a break!!! They violated FDCPA (no mention of my request for complete, itemized validation, whatsoever)!!! The economy stinks.. I've settled several debts 20% on the dollar last year... Everyone.. fight back learn your rights!! & fight , fight, fight these bottom feeds & loan sharks!!! give them Nothing!!!!

January 2009   Legal Action Recovery / Paul Kelleher & Associates Marietta, GA CONSUMER ALERT THIS IS A SCAM!
ANYONE RECEIVING CALLS FROM LEGAL ACTION RECOVERY AKA/PAUL KELLER (KELLHER) & ASSOCIATES very STUPID DEBT COLLECTOR ATTEMPTING TO CONVINCE YOU THEY ARE not A COLLECTION AGENCY, RATHER A LEGAL PROCESSING CENTER WHERE COURT ACTIONS ARE ALWAYS JUST MINUTES AWAY FROM BEING TAKEN. THIS IS A SCAM, THEY ARE LIARS, DO NOT FALL FOR THEIR THREATS AND ATTEMPTS AT EXTORTION. THEY ARE USING VOICE OVER INTERNET PROTOCOL (VOIP) NUMBERS SUCH AS 912-292-1744 AND CASE NUMBERS SUCH AS ABC123 TO IDENTIFY COLLECTION ACCOUNTS. WE BELIEVE THIS IS A BUFFALO, NY OPERATION OPERATED BY CRIMINAL DEBT COLLECTOR TOBIAS BOYLAND WHO HAS A HEAVY DRUG HABIT AND A PENCHANT FOR SCAMS. BE FOREWARNED NOT TO GIVE THEM ANY INFORMATION. THIS IS A SCAM!

January 2009   Island National Group llc Syosset NY  This company is part of the whole, RJM ACQUISITIONS FUNDING LLC. Island National Group llc recently contacted a friend of mine by mail giving him an offer to pay off his Macy's debt. They said if he makes 3 payments of $103.26 then Macy's will re-open his charge card and give him a line of credit in the amount that he owed, which would be $309.78. I looked at his credit report for him and the Macy's account is not charged off, it is closed by Macys with a date of last payment in 2006.

I told him it sounds like a scam and should either ignore them or send a debt validation letter but he wants to take them up on the offer.

January 2009  McCarthy, Burgess & Wolff Bedford Hgts, Ohio  Rude, abusive to receptionist calling her a liar when people are in meetings or out of the office. Calls every 3-5 minutes. Asks to speak to different person until he finds someone to speak to won't hang up or be transferred to voice mail will call back immediately. If you are finished with his abuse and not speak to him he hang up and call again. Calls home numbers, cell, etc. Someone else from the company will call if he doesn't speak to you and provide the same abuse. His name and contact information is below.

Gary E Rose, Account Manager   McCarthy, Burgess & Wolff   26000 Cannon Rd   Bedford Hts, Ohio 44146
440-735-5100 ext 2226

January 2009   Paul Kelleher & Associates   King County  Loan/auto  Paul Keller, Associates, GA
912-292-1744-Savanah GA   Marietta, GA   Legal Action Recovery

January 2009  Bank of America  notified Bank of America when I lost my job in the summer that I would not be able to make the minimum payment of a $38K balance. They said they could do nothing for me until I defaulted, so I did. Then, when I called them after following their advice, they still said there was nothing they could do. 3 months later, they call me offering me settlement terms of a low interest rate and monthly payments, so I asked them to send it in writing and they refused. In December, they called me offering me 0% interest and $400 payments for several years, I told them to send me in writing, they did, and when I called the number to accept it, Bank of America told me “Sorry, can’t do it”… Instead of just writing my account off to a collection agency, Bank of America has instead harassed me day and night, and each month for the past 8 months dinged my credit score! Some big wig from Bank of America called me yesterday offering me a settlement of $8K payable in 8 payments of 1K a month, with the $31K balance being reported as income on a 1099c for 2010. She made a snooty comment about me “probably not being able to afford it” and how I have only a ‘small’ amount of cash in bank. I told her to mail it in writing, and I would let her know what I think about it. She was rude saying I only had 72 hours to accept and said if this goes to collections, I am not exempt from wage garnishment even in TX because the agreement I signed for card is from Delaware!

January 2009  Mid Continent Collection Agency This collection agency is raw to the core. Will not disclose their address information, will produce false scenarios to try to get to you, will execute any means to collect. Harasses my co-workers and pretends to be a customer then asks for me. Yells, and demands collection money now. Lies that they are calling on a legal matter and would like to educate me on the matter. Their location is unknown to the public on the internet. Their telephone number is 866-560-2221. I think there is a correlation between Frontier Financial and Mid Continent Collection Agency.

January 2009  Medicredit, Medicredit Corp., Medicreit Corporation, Medicredit, Inc.  Corona, CA The situation with Medicredit has gotten worse since I sent them a letter demanding proof that the debt is mine and requesting information for what is for, as well as when I agreed to pay it. I've never done business with Medicredit. When I sent Medicredit a Certified Letter demanding that the company comply with the Fair Debt Reporting Acts and Fair Isaac Laws, the company, Medicredit, sent an unusual response stating that I must supply them with a police report # proving that I reported their theft of my identity. Medicredit refuses to supply any proof that the debt is mine and basically informed me that they will continue to attempt to collect the debt from me and continue to report the debt to all credit agencies and bureaus. I filed a report tonight with the police per their request. The police were appalled when by Medicredit's actions and letter. I will be sending another ~$10 certified letter to Medicredit demanding that they cease and deist from further contacting me and reporting any information about me to any credit agencies. My next step is to investigate filing a restraining order against them to stop them from contacting me and to try to hire an attorney to stop their illegal behavior and actions against me. I will take them to court and sue the life out of them, since they have cost me the ability to get the mortgage loan I needed to purchase my dream home in this winter. Plus my interest rates on my other cards have been raised to a high level because of them. I want my money back for all the time, certified letter costs and other losses.

Be Advised. Medicredit will try to send you to multiple locations and phone numbers and even use several addresses on their stationary.

January 2009  Dodeka, LLC   They filed a lawsuit on a credit card that was last paid on in 2001. Their lawyer showed up in court told the judge that I had made a $100 payment last year. The judge ordered him to produce a receipt and postponed the hearing. Any suggestions would be appreciated.

Dodeka, LLC is really Weinstein & Riley, lawyers, junk debt, bottom feeders out of Seattle. They are known to lie on affidavits and commit perjury in their filings. I would strongly advise anyone dealing with these slimy bottom feeders to contact us for assistance in dealing with Dodeka. They have a very bad reputation and should never be trusted by anyone. They can be beat by reputable consumer attorneys, do not allow them to steal your money.

January 2009  Graham Noble & Associates, Buffalo   These people contacted my parents who live out of state regarding a supposed case number for my husband. I called our county court house & verified that the number isn't even close to how their case numbers are listed and did an internet search & found this company & many reports that they have done the same thing to many other people even going so far as to have them arrested, etc.

January 2009  Leading Edge Recovery Solutions    I received a phone call, never a letter, stating that they represented Capital One. They were amazingly rude, would never let me talk and were harassing my family to make payments for me or they would take money from them! Total scumbags. I called Capital One and it turns out my old account has never been sold to anyone and I am dealing with them directly to settle my debt. I am horrified that anyone would work at such a company. Losers.

January 2009  Clovis and Roche   Clovis and Roche is after me for $2k due to a contract that they claim I did not pay on. I have always asked for their documentation, as in what I paid and what I was supposed to pay. She has not been able to provide me with any of this information. Of course she is saying that she is going to take me to court. Okay, but you will need to prove to the court I owe a certain amount and that I haven't paid it. That is all I want to see!!!

January 2009  RGS Financial  Received a call today from RGS Financial out of Carrollton Texas demanding that I pay them immediately and asking for personal financial information over the phone. I refused to give them the information and they asked if I was refusing to pay the debt. I told them that I had not received any correspondence from them and that I would need them to validate the debt (a debt validation letter is now on its way to them). The RGS rep asked why they should have to jump through hoops to get what's owed to them and threatened to come to my house and take an inventory of everything in the house to prove that the debt is mine. I told them they have to validate because it is the law and they said that I already had my 30 days to dispute. I never received anything from them, it appears they sent the initial letter to the wrong address. Anyway, the rep was very rude, threatening, and insulting. I think consumers should be on the watch for these guys. 1-866-941-8600 is their phone number, they can be found online at www.rgsfinancial.com

January 2009  Burgess Law Firm  Have been repeatedly harassed by this company for the past 2 weeks. They call everyday at the minimum of 5 times per day. Usually starting around 7:30am MST and ending around 8:15pm MST. I do not pick up the calls, as I have gotten in the habit of checking unknown numbers online before returning calls. However, they leave messages telling me that I have a law suit pending against me and that it will be filed in my local court and it would be in my best interest to call, as I will be served a subpoena tomorrow. Hasn't happened yet and that was one week ago. They started calling my mom, whom I have not lived with for over 10 years. She was smart enough to not confirm any of my information (which they asked for). Luckily, this site provided me with the NYS Bar information and when I called them back to let them know that they should communicate with me in writing, as I have filed a complaint, they were very rude, told me they would keep calling.  Doug Burgess learned his debt collecting craft at the feet of Doug MacKinnon and Rodney Giove - so don't expect much in the way of keeping the law.

January 2009   Vandenburg, Chase, & Associates  This is a debt collector that needs watching. They threaten to have debtors thrown in jail. Yell at you most of the time your on the phone with them. They got the wife upset even after watching me in action. And she knows I know what I'm doing.

They are collecting old debt for Ace the check cashing store.  Recently cashed the check that the insurance company sent after filing a lawsuit against them. Burned them for $5,000 including attorney fees. If you want more info on them contact me and I will help you. Great site.

January 2009   Security Credit Services, Oxford  After receiving my quarterly credit monitoring update, I found this agency listed a collection account two months ago. I check out the website at http://securitycreditservicesllc.com  to find out these are junk debt buyers. The credit card that was listed as the original creditor was one that I've never had or ever heard of. I have not received a dunning letter or phone call from Security Credit Services. They decided to list an un-validated collection account on my credit report instead. I will be sending a certified debt validation letter to them tomorrow as well as disputing online with the credit bureau. It's irritating because it dropped my credit score about 70 points.

January 2009  Law Office of Joe Pezzuto, Phoenix    Uses strong arm tactics. They don't allow you to even speak. They claimed, at one point, to refer me to one of their attorneys which wound up being bogus. I recorded every conversation. I sent a cease and desist letter informing them that I had them recorded and I have not heard from them since.

January 2009  Advanced Credit Collections, Niagara Falls, NY    John Licata, operations manager.  Collections Manager Advanced Credit Recovery Inc. is seeking an experienced self motivated individual to manage collection staff in our Niagara Falls, NY office. Candidates must have adequate collection management experience and be open minded, adaptable and able to introduce fresh ideas. Eagerness to enthusiastically coach and motivate our staff is absolutely essential. Desirable attributes include dependability and willingness to work 47.5 hours per week or 7:30a-5:00p and 1:00pm -10:30pm shifts, including evenings and 2-3 weekends per month. Starting salary negotiable. Call John Licata at 866-999-6838 x403.  (Their collection manager and trainer left to open their own agency...)

January 2009  Jason Head, PLC   Ms Williams called said she had an attorney waiting to file papers. The account in question has been discharged under chapter 7 bankruptcy. Just the day before I received a call from 1-888-279-5764 from someone using a office name of Jason haggett, plc. After google search on this 888 number. the results pointed to Jason Head.I did listen to my message 5 times to be sure I heard Jason haggett and not jason head.7572268749 is the number ms Williams called from.  More than one consumer has taken pictures of their Caller ID and seen Jason Hagget, PLC but the number tied to Jason Head.  Yeah, it's a federal offense.

January 2009  Apex Financial Management, Tempe   They never sent me written notice by mail, when I told them that I never received anything. They said it had been sent, then they wanted me to find a way to get it faxed to me, like go to a grocery store, etc.

January 2009  Bullhead Investments, LLC  CONSUMER ALERT from Budhibbs.com  This organization is a bogus junk debt collector and bottom feeder.  Bullhead Investments, LLC  Aka / Bulls#@t Investments, LLC  Kevin Davis, Owner  2031 E. Turner St Springfield, MO 65803  They are purchasing old debts for pennies (some from Metris Bank) then an employee named Darren Woods is signing a bogus affidavit attesting to their authenticity. Woods has no idea about the status of the accounts, he is reading information off a computer screen, all hearsay. Further, not one State we checked shows Bulls#@t to be licensed or bonded. Contact us for assistance in avoiding being scammed by these low lives.

January 2009  National Credit Works, Inc   Calls from 866-618-5731 Debt collectors of purchased accounts. The owner is Gregory George Emminger, 42, 113 Bathurst Drive, Tonawanda, NY 14150, Erie County, NY. Be careful about sending them any money, he does not have any docs to back up his claims, nor is he licensed or bonded anywhere. There is a connection with Giove Law Office, he may have bought some of the old accounts that Giove could no longer collect on. Warn your readers that this is a scam, that money sent to them is thrown away.

January 2009  Pressler and Pressler   I am tired of the collection tactics of this company . They are freezing all of my accounts so I cant get into them to pay my bills. They send me constant threatening letters if I do not pay they will do whatever it is possible to get the money. I am getting evicted out of my house because of them . I am not working and I do not have any money to pay.

January 2009  Ascension Point Recovery Services, 200 Coon Rapids Blvd., Suite 200 Coon Rapids, MN  888-415-3506  Fax: 763-235-4055 These fools are attempting to collect a debt that is well over 10 years old from Cross Country Bank Should I send a verification request or should I simply ignore this I do not know what the higher number is...their IQ or the age of the debt ?? Anyone have any previous dealings with these idiots? Thanks

January 2009  Advanced Credit Collections, Niagara Falls, NY   Pretty sure these are the former Empire Recovery folks playing at 2423 Hyde Park Blvd.  Niagara Falls, NY 14305 Phone: 800-965-3810 716-298-5164
Fax: 716-298-9750  They change their name every time a new lawsuit emerges and continue to march.  Even the not so smart collectors are wising up and leaving this organization...

January 2009  Egregious Collectors "On January 3, 2005 I was awaken at 6:45 by a process server for these people screaming my name, demanding that I open my door and banging on my windows. At that time of the morning I wasn't dressed for visitors and needed to change, the server continued to scream and demand that I open the door or he would tell my neighbors that I was a deadbeat."

May I respectfully suggest you advise your clientele, and others such as the woman above, that they tape (preferably video if they have a video recorder, but at least audio) such outrageous behavior. This will help them with any claims they file for violations of the FDCA.

January 2009  Investment Retrievers/ AKA Swartz, Lovejoy and Associates. Pittsburgh, PA  This attorney has been acting on behalf of Investment retrievers who bought an outdated charged off debt from 2004 which was originally a Chase credit card account in the amount of 13k once all charge off fees were done and over with in 2004. At this time, they are tying up the courts with a suit toward me indicating I owe them 27k. They fail to answer my interrogatories and continue to harass me to answer things including my bank account number, partner/spouse, etc. This has been in the courts since 2006 and now they are threatening to place a motion with the court for me to answer more interrogatories. I believe the SOL has expired in PA. They are relentless and have reported the false amount owed on my CRA. AS I said, Chase charged this off in 2004.

December 2008   Certegy Payment Recovery Services, Inc  1601 Roosevelt Boulevard, St. Petersburg, Florida 33716 Certegy Payment Recovery Services Inc. purchased four fraudulent checks in the summer of 2003. The checks were fraudulently written on my son's bank account in Dallas, Texas. Certegy tried to collect on the checks from him. He and his attorney forwarded the necessary paperwork to Certegy to prove that they were fraudulent. Certegy when it found out that they couldn't collect on the checks must have bundled the checks with some other checks and sold them to another collection agency. In doing so, they committed a federal level felony offense. The checks ended up being bought by Cavalry Portfolio Services, LLC. Since they knew that they could not collect from my son, they changed the name and SSAN on the checks and placed them on my three credit reports. Even after submitting proof to Cavalry that the checks were not mine and that the checks were in fact fraudulent, they refused to remove the checks from my credit reports and to once and for all destroy the checks.

December 2008   Rickenbacker Group,   Morgan Hill, CA  Phone number for this agency is 408-762-7320. They started calling today, left no messages and have not sent anything in writing. From what I gather about this company from a Google search f the number, they appear to be a questionable, shady operation and bear watching.

December 2008   Bullhead Investments, LLC  Springfield. MO   This is in regards to the comment on December 2008 left for this company. They sent me two letters the same day. One a mini miranda and the other a threat letter with a totally outrageous amount that I do not Owe. Plus the letter was from a law firm in Winston Salem NC. This company does collect old debts, and tries to use law firms to get money. Doesn't this law firm know that this is a bogus debt and can also suffer with Bullhead Investments. I am not easy intimidated with debt collectors and will fight to the extreme when confronted. Thanks to people like Bud Hibbs who has broaden my knowledge about Junk debt buyers. For those interested, the collection agency before BullHead Investment was UNISTATES who bought the so call debt from a Household Bank Credit Card.

December 2008    Pressler and Pressler  Husband became ill in 2000. Had to go on disability. Waited six mo. for disability to kick in. By this time 2002 we were trying to keep up with credit cards. Then Providian and Capital one changed the rules we got behind because they said they did not receive payments in time They started charging $60.00 for a payment that was only $29.per month Could no longer keep up. Asked them to close account was told no because there was open balance. They kept adding over limit fee and late charges. Now they all want 2-3 times the amount we owed and could not pay then how to they expect us to pay now. One acct not even mine. They had the wrong number. Made mistake of talking to this rip-off agency they sent a paper stating they had a warrant for my arrest I could not go to jail I have a husband that is disabled and I am his sole care giver.

December 2008     Pollack and Rosen, Coral Gables, FL  In 1997 Pollack and Rosen filed a judgment against my husband on behalf of Columbia Medical Center. My son had emergency surgery and he didn't have medical insurance.
Nothing was done other than it was put on his credit report. In 2006 we received a letter from Pollack and Rosen that they were going to vacate the judgment and they did so. We received papers from the county court in 2007 that the judgment was vacated and was null and void. It was vacated without prejudice. Now, we receive a letter from Pollack and Rosen that they are going to attempt to collect on the judgment. No monetary amount was mentioned, they are just testing the waters to see if we will contact them to make payment.

I want to send a cease and desist letter along with the copy of the vacated judgment. I do not believe that it is legal for them to attempt to collect on this now. It is over 2 years since the judgment was vacated. 2 years and 6 months to be exact.  These are now junk debt collectors.

December 2008     Boyajian Law Office, Rutherford, NJ  Looks like the Law Office of Jack Boyajian has shut down. Their numbers are disconnected, web site has been pulled down. Do you have any information on them?
We are aware Jack is having severe financial problems, did not know he had shut his collections operation down. Thanks for that.

December 2008     FLASO Solutions, LLC, Ewing NJ  Dealing with these subordinate lien debt re-purchasers for 6 months. When I file an FDCPA lawsuit against them, they cannot claim bona fide error due to repeated violations. They do not validate debts, pay attention to cease and desist letters, and also ignore the Arizona anti-deficiency statutes protecting consumers. Watch out for them, especially in Arizona with the foreclosure rate as high as it is.

December 2008     Richard J Boudreau and Associates, LLC The first time I received a phone call from these people the guy was very nice. But before I would let him continue I asked him how he got this number. He said that it came over with the file from Capital One. I told him that was impossible b/c I had not spoken to capital 1 in a while and that I just recently obtained a new number. He wanted to settle my debt which was about $600 more than what I owed. I asked him to please send me a running balance sheet that showed all of the fees that were assessed to my account. He said he would but I never received it. I also asked why I have never received a letter from them and he said that they have mailed me several and I told him that he was wrong that I have not received one letter from them. a few days later I received a letter in the mail. Well I never received the sheet that showed all of the so called fees and every phone call that I have gotten since then has been people screaming at me on the voice mail about this. I am sorry but first of all, I am from the South and I do not talk to rude people like and secondly I am not discussing personal matter while I am at work. It is too late in the evening when I get home or I am too busy taking care of my child to worry about them at this time. Well last week I get a phone call from them AT MY JOB and the guy wanted to discuss this and I told him that I am not going to discuss my personal issues while I am at work and to please not contact me at this number again. He said that was fine that he can have me served at work.

December 2008     Clear Debt Solutions/CDS  Ft Myers, FL   They called me today and said they were a law firm and that I needed to pay them a debt to avoid legal charges being filed against me. He, Pete Subtner - (mumbled last name) said a the case had been sent to the Sheriff's office and the Sheriff would be coming to my home if I didn't make payment in full. The amount owed was $650.85 and $500.00 was for legal fees. I asked legal fees for whom and requested to know who their client was. Pete was not sure on who that was but insisted he was an attorney. I furthermore asked where did you practice law?

December 2008     Universal Fidelity Houston, TX   My wife got a letter from them today on a Kohl's card. They claim right on the the letter that they are a national collection agency and have been given our account because of their experience and successful record in collecting outstanding accounts just like ours. Yea right. They go on to say that they are please to assist us in our efforts to resolve this matter, and for our convenience we can make a payment on-lime via our secure website www.payuflp.com  or call then and they will help us with making a payment via credit/debit cards electronic check, WesternUnion or Money Gram. If these people think I would give them access to any of my account information like that they're nuts.  The best was at the bottom of the letter it said that this account is owned by Chase Bank USA. Great don't they have their hands in enough of my stuff already. Bud keep up the great work. In this economy people need all the help they can get.

December 2008     Niagara Credit Solutions Williamsville, NY   This company has by far the most unprofessional employees working. Their collectors harassed me so many times by calling me at work and by calling my supervisor every time I do not pick up the call. Imagine that! My supervisor had instructed the collector that they cannot contact me at work, but they still do. The collectors leave me the nastiest voicemails. I've contacted the CEO for this company to put their employees to stop contacting me but nothing has changed. I will not deal with this company by all means

December 2008   ARS Associated Recovery Systems Escondido, CA   phone number - outgoing - 518-282-4072
incoming - 866-725-4895     Mailing Address: P.O. Box 469048   Escondido, California   92046
Payment Address: ARS National   906 South Adreasen   Suite B   Escondido, California  92029
Caller ID says New York, not even close! Just another sleaze bag law breaking agency!

December 2008   Delanor, Kemper & Associates, LLC Canada  A person Identifying themselves as investigator Humphries called my work and said they have my soc. address and work number and that he is going to issue a warrant for my arrest for fraud or something like that. He said I accepted money from a payday loan company and closed my account. I asked when this happened. he gave me two dates. 11/14 and then he said sorry I meant 9/15/04. He said the warrant will be issued for my arrest unless I pay $900. Then he said it's actually $450 but with legal fees and interest then it comes to $900. I asked him for all the information that proves this is mine and he said to call him back and he would pull my file. He wouldn't do it while we were on the phone, but he said if I hung up and called him right back he could do it.

December 2008   Lighthouse Recovery Associates Littleton, Co.  This company attempts to collect on illegal payday loans. They violate the FDCPA. They refuse to respond to debt validation and threaten legal action.

December 2008   Credit Recoveries, Inc. Anaheim, CA.  Called my office saying they needed to get a hold of me for process of service. Their Caller ID reads Asset Capital. Called back at 714-872-5034. Very aggressive collectors, initially ignored my repeated requests for address to send written request for validation of debt. Called themselves Credit Recoveries Incorporated. I talked to a Mike Martinez. He tried to tell be that he didn't have to validate the debt, that he would sue me and win just by showing the judge that the debt was in my name. He hung up on me, threatening to sue.

December 2008   Source Receivables Management, Greensboro, NC  I received a collection notice from SRM who's client is NCO Portfolio Management. The original creditor is listed as AT&T which I have no memory of owing at all.
Since when did NCO Portfolio start out sourcing collections? I accessed the Texas Secretary of State, Debt Collector Bond database and did not find SRM among the 56 North Carolina collection agencies bonded to do business in Texas. After reading on your site the spanking that NCO received from the Texas AG in December it makes perfect sense why NCO outsourced their collection efforts. Unfortunately for SRM, they are being reported to the Texas AG for possible violation of Texas law. I also sent them a certified letter requesting validation of the debt, and with the exception of responding to the debt validation also told then to cease communication.

December 2008   Rephen Law Firm, New York City  Said I had a bounced check in the amount of $23.00 from March, 2008. They want $274.00. I asked Steve Tucker to fax me documentation of the check and what fees were involved. He has constantly called my job after I've asked him not to.

December 2008   Global Credit and Collections  Williamsville, NY  They are Canadian Collection Agency. They have an Attorney called Deanna Natale, she is not a member of the NY bar Ass., She is a Canadian lawyer who makes you believe she is a US attorney. She is the daughter of Judy Sgro, former Liberal Minister of Immigration and current MP for York West in Ontario, Canada. And boy, Natale lives to sue - and bluff if she can't!

Be very wise when dealing with these people!  GLOBAL International Inc.   300 International Drive,  PMB # 10015  Williamsville, NY 14221

December 2008   America Resource Receivables Charlotte, NC Just wanted to say I have been doing collections for 7 years and I personally do not brake any FDCPA laws ,I worked for this company for 1 week and new this kind of collections was not for me , This company brakes ever law possible we were trained and told to leave messages that say you are going to be arrested and you will have to serve jail time lol their talk offs are the worst I have ever seen , This company collects on quick cash (pay day loans) this company is also located in NV and Atlanta , It has been open in Charlotte for about 1 month, That's all the info I have on this company . Their address is 4801 E independence , Charlotte NC 28212 and there number is 980-875-9112

December 2008   Associated Recovery Systems  I've never heard of this place. They said they were hired by LVNV funding to collect a debt and that if I don't respond in 30 days that they will submit my account to an attorney for judgment. Who are these people and can they do this after only trying to contact me once. I told the rep. that I was dealing with the original creditor and no one else.

December 2008   Bullhead Investments, LLC  Springfield. MO   This is a new organization Bullhead Investments, LLC aka/Bulls#@t Debt Collectors. They are filing suits on purchased debts that are full of lies. Warn your readers to be watching out for them.

We are already aware of this bulls#@it organization and their attempts to file bogus claims. Owner Kevin Davis is beginning to understand why he is being sued. You are correct that their paperwork is garbage. This is just another bottom feeder seeking a free ride at the expense of unsuspecting consumers. Bullhead is bulls#@it, so anyone being contacted by them is urged to make them prove up their bogus claims. Contact us for assistance and referral to consumer attorneys.

December 2008   Rephen Law Firm, New York City  This company using illegal tactics to scare people into paying debts. I was told that there would be a bench warrant served if I didn't call them back within 24 hours. Of course that claim is bogus but it still is scary. I was told that I had limited amount of time to pay and that if I didn't I was going to jail. They now say they have recordings of me that I never allowed them to take and they continue to call harass me. It's been over a year.

December 2008   Central Credit Services Jacksonville, FL    I had a debt in default with Bank of America in the amount of $1,847.01. Central Credit Services (CCS) called and demanded payment. I said I would pay $1,477.60 and CCS agreed. I had them send me an agreement letter stating the settlement. I then sent the money. That was January 2008.

Yesterday, Dec. 2, 2008, I got a call from Hollander Law Firm saying I owe approximately $400.00. I told them about the agreement, the lady, Ms. Harris, acknowledged the previous payment and asked me to send a copy of the letter. I faxed it today.

December 2008   Collect Company of America dba Collecto, Inc.   7900 E Union Ave, Ste 300
Denver, CO 80237    Toll Free: 877-533-6998    Toll Free: 800-321-1108    Phone: 720-529-9902
Fax: 720-529-9845

Governing People:   Andreas Witzig    Candice OBrien    Hans-Werner Scherer   Paul E Leary Jr  Paul E Leary Sr
Corporate offices   700 Longwater Dr   Norwell, MA 02061

A friend of mine received a call from them. The company name was Collecto, CCA but CCA was not an acronym for anything. He received no written correspondence from them - just a call at his place of employment where they demanded $600 per month and his checking account number for some outstanding debt. They said if he didn't give it to them they would issue a garnishment, as if he already had a judgment.

According to state filings - they are part of Collection Company of America. They are licensed in Washington State as a collection agency. When a friend and I called on behalf of this person posing as a job-seeker, he was told they had no fax number and they are not in the business of collections. Their first call they are already in violation of 4 federal rules and 3 state statutes. These guys are all slime. If you get a call tell them to put it in writing, and hang up.

November 2008   Debt Recovery Solutions   This company violates every law there is to protect the consumer. When you call, they yell, shout call you names and then refuse to give you their name. When they don't get what they want or when you ask too many questions, they hang up on you. Then you call back and get the same treatment from a different person.

November 2008   Matthews & Michaels, Dallas, TX Matthews & Michaels is a skip-tracing agency. They called me on my cell and my parents at home today about my ex-boyfriend. I do not know what is going on with him, but we should not have been contacted. The only link between me and the guy they are looking for are phone calls between us. AT&T already settled a lawsuit with them for pre texting and fraudulently getting phone records. Matthews & Michaels (aka Nae-mo Corp. of Dallas) agreed to an injunction against doing that sort of thing, but they must be at it again.

November 2008   Medicredit Corporation, St. Louis, Today I started getting automated collection calls at work. Who are these people? When I got home I had a bill, and  I don't even know who they are or want. No one answers when I try to call them. How do I stop calls at work?

November 2008    Simms Associates, Newark, NJ   trying to collect on debts way past SOL...will call neighbors, relatives, friends, work...they do not send letters...if you ask for their mailing address they will hang up the phone...threatened legal action against me on a relative's answering machine...when I did speak to them, immediately threatened to 'seize' property, garnish wages

November 2008    Western Capital  Sandy, Utah   Robert Paisola is using this copyrighted page from www.budhibbs.com without permission.  He has been asked on numerous occasions to remove it and refuses to do so.  We have no option but to post information regarding his schemes to the public.

November 2008    Geneva Roth Ventures Shawnee Mission, KS    They took money from my account after 5 years. Saying I owed it to them. Said they got my new account number from somewhere on the internet. I do not remember having a payday loan with this company and I am disputing it. I contacted my bank and they are stopping it cause there is no money in my account to pay them. The lady I called at Geneva told me I would never get any loans and I told her fine and I didn't want any and she hung up on me. What kind of business is this that can not even explain to you and takes it upon themselves to steal you money out of your account without your authorization.

November 2008    Pressler and Pressler  Pressler collection believe they are above the law!!! They enforce bogus claims and they threaten your life. By means of lawsuits, threats, liens, and many shiesty maneuvers.

November 2008    Stoneleigh Recovery and Associates  Lombard IL   have recently been called by this agency on an old debt that I owe. Joe Brazzio was the name of the individual that called. Joe is absolutely rude, demeaning and condescending. Very insistent that I do a check by phone immediately, which I refused to do. Since I had not received anything in written form from them, I advised that he send something in writing with their physical address on it, which he said I should have already received. This company purchases old debts, by his statement. I have no issue paying my old debts but due to job loss I have not been able to.

November 2008    United Collection Bureau  Toledo, OH  These people have contacted friends and told them there is legal action pending. How can they get in touch with me? They have also left messages threatening to send my file down to legal, but they never say in their message what it is in reference to or that they are trying to collect a debt.

November 2008    Erin Capitol Management, LLC NY City     Exclusive association with Eltman, Eltman and Cooper. They hire other management companies, like Northstar Location Svc's  Zenith/Northstar Capitol, to do the locating and collecting after they buy a so called legal debt. Many years ago a debt was charged, written off, then sold now several times - since then recently, the debt was disputed and deleted from Experian Credit Corp. due to lack of indebtedness proof (signatures, contracts, receipts, etc.). This arbitrated debt has been sold again, and escalating in size. I am currently submitting dispute papers again. And again I am involved and stressed with this nonsense. The question is, when will this foolishness stop?! How does one make it stop?!. I am currently asking Mr. Hibbs for his help and knowledge once again - and feel relieved that he is there to help.

November 2008    CRS  C R S  Atlanta UPS Store box    These people are not legitimate. They obviously got a hold of or bought old lists of debts from somewhere. Thy called and harassed my mother about a dispute with me from 1999. She stayed 'mum' and gave me their info. I called them back and asked them to provide me with detail that a debt existing in writing. They refused and instead called my mother back a week or so later trying to pry info from her. I called them back and insisted they respond by email or in writing with official documents as requested. I got an email from them finally. I checked them out at the Better Business Bureau of Atlanta; they are unknown. The address is a 10-story office building. (www.c-r-s-i.com), where the email came from, you will find no website.

I also checked with the financial institution in question and indeed the State of Limitations was expired and they had no record of a debt to collect. They also indicated that they do all collections internally and do not farm it out.

At the suggestion of the BBB in Atlanta, I checked further with the City of Atlanta, Department of Revenue at 404-330-6270. Any company doing business in Atlanta needs to have a 'Business License' to collect Business License Taxes. They are not known to the City of Atlanta either. The woman there was very helpful and checked for me at the Monroe address and found no such firm in her records.

Caller ID: Cherise, Kelly, Pamela (mgr)    Caller: Capital Revendication Services, Inc
Caller Type: Collection Agency
The company is a new startup owned by Antrum Kurtis (more to come about him).

Looks like Mr. Kurtis (the registered agent). Still hasn't paid his bill for annual registration. It's only $30. I wonder how long it will be before companies like his are calling him.

Business Name History    CAPITAL REVENDICATION SERVICES INC

Control No.: 08058072 Status: Active/Owes Current Year AR Entity Creation Date: 7/24/2008
Jurisdiction: GA   Principal Office: 931 Monroe Dr  Suite 102-268   (#268 is the post box)  Atlanta Fulton Co, GA 30308

Registered Agent  Agent Name: Kurtis, Antrum
Caller ID: 866-583-9807   Caller: Capital Revendication Services    Caller Type: Collection Agency
The address is a post office box at the UPS Store:

UPS Store  931 Monroe Dr NE Ste 102   Atlanta, GA 30308-1793   (404) 873-3433
Caller ID: 866-583-9807   Caller: CRS Investigative   Caller Type: Collection Agency

November 2008    Department of Corrections. The auto insurance company had Butler & Associates attempt to collect (while in prison). They actually got a garnishment of his DOC account. I send him $10 a month for him to have soap, shampoo, postage stamps, envelopes, writing paper and such. So they want the $10 a month?? I think that is pretty ridiculous. He must repay the debt but should be expected to do so when he is released.  We had a good laugh at this - not at your son's misfortune, but at a collector so desperate they'll spend hundreds to collect $10...

November 2008    Law office of Vincent P. Cignarale LLC I can’t even begin to write down all the insults they said to me. But I will tell you this, after trying to have them work with me on monthly payments they actually told me to ask my mother to stop paying for her mortgage so she can pay for my debt. They harassed me non stop threatening with a law suit. They would call my mothers house all the time and they would leave message saying “you need to call back by so and so time, other wise you will have a law suit in your hands” Also when I spoke to them and they said for me to stop paying the house to pay them, they asked me how could I afford a car (they saw it on my credit) and say that I cant pay them. I proceeded to tell them that I did not pay the car , my ex did and he said “ yeah right, your ex pays for it” I looked up information on the computer and found out many people have spoken to the same guy from Vincent Cignarales office and said he was an A**. By the way, I have dealt wit at least 5 of the companies on the list, how bad is that? We suspect this office may be next to close as MacKinnon and group declare bankruptcy...Collectors, may be time to find a reliable, stable agency...

November 2008     Norfolk Financial Corporation, Boston  This is the second time I am dealing with this company. Last time they tried to sue me in small claims court for $2,000 the limit. But they sent letters asking for more, about $3,100 which is illegal in Massachusetts. They use Forsyth Law Offices same address's. Maureen Forsyth sold the law firm to Carl Brugnoli and his practices seem the same as hers.

I had a judgment of dismissal from small claims court march of this year. Back then they said that the original agreement allowed 18% interest. Now they are saying that the account has a 23.99% interest rate. On top of that they say there is a late fee and over limit fee of $29. all the fraudulent credit card statements they sent me have late charges and at the end, over limit fees of $35. They are so dumb they can't even get their paperwork in order. I told them many times the account is not mine and it has never been on my credit report, which it still should be seeing it's only 3 years old from what they say. I have found so many errors it makes my head hurt.

Also I would point out that in Massachusetts a debt collector has to be licensed, Norfolk was told to shut down and they did.....or did they? They continue to violate the law and harass people. I am hoping to get this dismissed with prejudice and then hiring an attorney to go after them for FDCPA and FCRA violations.

November 2008     FMS Investment Corp. Schaumberg, IL  This company will not stop calling me. I am not even the creditor they are looking for. When I request that they remove my number they still call 3 to 4 times a day!! The calls are to a business and they are seizing my business line and calls are also forwarded to my cell phone

November 2008     Wyse Financial Services, Inc   Denver  I just got a letter from them today trying to collect on a debt for NCO! NCO is trying to get money from a Sears debt that is over 10 years old. Who is Wyse? I am guessing they are worse than NCO, if that is possible.

November 2008     Tobin & Melien   New Haven, CT  Senior partner's direction to his collectors: Don't let the Law get in the way of doing your job...

November 2008     Vital Recovery Solutions   3795 Data Dr Ste 200, Norcross, GA 30092-6534  These people are dogs! They will not stop calling and will never take no for an answer. I think they are part of Frederick J Hanna's school of thought!

November 2008     Lawal & Associates, Law Office, Houston.  New Scam Collectors on Payday Loans: Lawal, Omotayo Jamin (OJ), Age 54 Dba/ Law Office of O.J. Lawal & Associates, Texas Bar #24004144 8700 Commerce Park Dr suite 202 Houston, TX, 77036 Phone:713-773-0600 877-777-2551 Fax: 713-773-0699 Residence: Missouri City, TX Primary Practice Areas: Litigation: Personal Injury, Oil & Gas, Taxation, Immigration AND NOW A PAY DAY LOAN COLLECTOR! Don'tt look for state licenses or bonds 'cause OJ ain't got any. OJ's collectors got lots a B.S. to threaten you with but can't do none of it. OJ is impotent!

October 2008     Lindquist and Trudeau. Houston.  Courtesty KMOV-TV   Jason Trowbridge  was a cocky, vulgar debt collector who broke federal laws. He illegally gained access to private information, terrorized people and ultimately participated in a series of bizarre and dangerous schemes that could have easily gotten someone killed.

Trowbridge, who lived in Houston, Texas, worked for the small debt collection firm Lindquist and Trudeau. He, and four co-workers, were involved in a conspiracy that reported hundreds of phony emergencies to police.

The U.S. Attorney's office said the case represented "hundreds of thousands of dollars in losses and the disruption of hundreds of victims' lives."

October 2008   Dodeka, LLC  2001 Western Ave Ste 430, Seattle, Wa 98121  Pharia, LLC, same address.

looks like that address is under a bridge. when summons is received then you find out that Both companies are receiving and sending mail through the offices of Weinstein Treiger & Riley PS

Lawyers represent Chase Manhattan, MBNA and others. Claims in their ad is they have associates in 50 states and around the world. They hyper inflate amount due and re age accounts. Accounts Texas Florida California

October 2008   Greenline Financial Services, Grand Island, NY  I had a $900 debt with a Pay Day cash company. These people insisted I owed over $1400. They said there is a clause in my contract that there is a 50% charge if I don't pay it. They harassed me at work and called my home 9 times with 65 seconds. It showed up on my caller id. I told them that I have my original contract and there is no clause like that on it. They called me back and told me it was a clerical error. I only owed $900. I told them I had already paid the original lender but they continue to call.

October 2008   WYSE Financial Service Denver, CO  I  (Refer to previous post) they were attempting to collect a 10 year old Sears CC debt Sent them a request for verification and got receipt and a note back on same date Note states they were returning debt to client ( NCO Portfolio Mgt) Thanks Bud the verification letter worked !

October 2008   MARATHON SERVICES INC 3353 Bradshaw road, Sacramento 95827  I  was contacted by  Mary, from Marathon Services Inc. She was very rude and unprofessional. My former property management, I had rented from was seeking $1600 from me. Mind you it has been 1 year and 10 months since I had moved from my rental home. I told her that I have never had any type of bill sent from the former property management to me at my new location.  The property management even called me a year later to verify my current address. And only up until now that they had given that outstanding balance to the debt collector, Marathon Services that I had found out that they were charging me. Mary had said that they never had my current address on file. I rebutted that and told her that I spoke to the property management and she was very familiar with the rental location that I'm staying at now. I also asked Mary why they didn't call me and double check and verify my current address. All she kept repeating was that they never had your address. I requested a copy of the bill and awaited for it in the mail the next day. She had called me again the day after and was very demanding insisting that I don't question the bill and to pay it. I also told her that I want to dispute the bill as well. She just gave me attitude

October 2008   SSARMA Collections aka San Antonio Retail Merchants Association Collections     This company is buying old hospital debts from VHS-San Antonio IM d.b.a. Baptist Healthcare Systems and other paper. They're located @ 1801 Broadway, San Antonio, Texas 78215, phone numbers are 210-224-6121. toll free 800-445-8831, fax is 210-200-6022. Website is www.sarma.com . They're trying the typical bottom feeding scam, by sending letters or calling stating that you can save up to 50% of your debt. They're rude when they call and when the consumer calls them. They're also beginning to get aggressive over the phone now. Watch our for them.

October 2008   Shechtman, Halperin, Savage, LLP     This is simply unbelievable! These dirt bags are the fifth debt collector to try and collect on a bogus debt. This debt has been disputed starting at Glove Law and others and ending up in the hands of these rocket scientists. It has grown from $3,000.00 to a whopping $7,000.00! No one has been able to collect because it is NOT A REAL DEBT. These scumbags even screw their own colleagues by selling debt to others that they KNOW is not collectible. Is it legal to keep trying to collect when it's been disputed so many times? I don't know, but these people have to be stopped.

October 2008   Professional Debt Mediation     Calling everyday telling me I'm going to jail if I don't pay this debt ASAP.  I'm 6 months pregnant and living back home with my mother.  You can't reason with these people.  It's nothing but stress for me and my unborn child.

Professional Debt Mediation   4161 Carmichael Ave #156    Jacksonville, Fl 32207
904-398-0080, 904-398-0286 (alt), 888-676-9872   Fax: 904-398-0425

October 2008   Pressler and Pressler, Cedar Knolls, NJ     have been dealing with these people for years, I've 2 warrants for arrest, and each time called the court and was told there was no such number docketed. You going to have folks thinking debt collectors aren't always truthful.

October 2008   Focus Receivables Management    The company offered a settlement of 15% of the outstanding balance. Offer was agreed too. One day later they came back pulling the offer in favor of a new offer at 30%. This company is a bait and switch organization. They used the info provided to do a back ground check to determine an asset estimate that I wish was correct.

Services Inc. in association with Mullooly Jeffrey Rooney & Flynn 4 Bridge St Glen Cove, NY 11542-2531 (516) 656-5300. They stated I owed on a debt from Chase Manhattan Bank. I did have a card that defaulted with them many years back.

October 2008   Central Portfolio Control   Eden Prarie, MN  Threaten me with lawsuit and wage garnishment if I didn't pay a $2000 bill immediately! Also threatened to get the sheriff's department involves!

October 2008  I.C. Systems, Inc. This is an aggressive Collection Agency that is breaking every rule under the FDCPA and California's Rosenthal Act DCP as I know them.  Yesterday, I finally picked up and asked the woman for her name. She refused. She wanted payment for a debt they haven't even written to us about. I asked her not to call until I've received the letter. She hung up before I was finished.

Today, I.C. Systems, Inc called my husband's job again, and he told them never to call him there. They turned around and called my home but I was out with my daughter. They called twice. Once, they acted as if my husband was on the other line waiting for me. Over and over the aggressive woman kept demanding I get on the phone, demanding I pick up. It is recorded on my Voicemail I have from Vonage.  When I got home I called them to ask for their name and FAX number. He demanded to know my husband's SSN to pull up the file. I gave it to him and repeatedly asked for his name and his fax number. He was rude, obnoxious, and unwilling to say anything else than

October 2008   Allstate Adjustments, Tewksbury, MA  I got a phone call from this company stating I owed money on a cross country credit card. I tried to set up payments with them and they couldn't even get that correct. When they finally got this correct they went in and took out two payments one right after the other and now my bank account is all messed up. Alot of money in overdraft fees. And when I call I am told I need to speak to a Mr. Green. Well the first time I spoke to Mr. Green he shrugged me off, and when I spoke to him the second time he told me it would be fixed. and when I tried to speak to him the last time, he will not accept my calls. The fax number they gave me the other day is mysteriously not working today. I have notified my bank and I will be notifying the BBS about this place. I have ceased all further payments to this company.

October 2008   Litow Law Offices, Cedar Rapids, IA   Charles Litow files hundreds of false judgments against people every week and just sees who doesn't show up and then gets default judgments on them. He sued my girlfriend and my father, before I started educating myself on credit, and had no information regarding the debts he said they owed. They were scared and couldn't afford a lawyer so they didn't show up to court. I went down and pulled the file.

October 2008    Investment Retrievers, Inc El Dorado Hills CA  I had received several calls over the past few days from a Nancy Grant 916-941-8851. I had no idea who this person or company was so I did not return the call. Today I received a call at my office from this person. Said person also call my wife at her place of employment. Still at this point we had no idea who this person was. We have never received written correspondence. The call that was made to my wife's office was over the line. This Nancy Grant called for my wife's office and was told she was in a meeting. This Ms. Grant was short and rude as the administrator relayed to us later. She was transferred to HR and she requested my wife's Payroll History, which of course is much different than verifying employment. The HR person made notes and was specific she was asked for PAYROLL HISTORY. Additionally, she requested that she speak to the President of the company who is my wife's boss! This was an obvious attempt to intimidate my wife. Over the line. Extremely illegal practices and this will be reported. I will look at other options to see that others do not have to deal with such an unprofessional pack of people as them.

October 2008   WYSE Financial Services, Denver   These Clowns are attempting to collect an old Sears CC debt that is over 10 yes 10 years old I don't know what is older this debt or Wyse's IQ. These idiots bear watching maybe new contenders for a spot on the agencies to avoid list.

October 2008   Howell and Associates, Tampa FL  This agency contacted me stating that they were a lawyers office and that if I didn't pay them that they were going to submit a judgment. I gave them my account # over two weeks ago and so I changed my account after two weeks when nothing posted. they called me today and told me that I wrote a bad check and they were taking me to court. I told them to go ahead

October 2008   Moreno and Woods I was contacted on October 13, 2008 by a Mr. May who left a voice message on my machine. The message entailed that he was contacting me concerning a court document involving me and my husband and stated he was with Moreno and Wood in the litigation and warrant department. The document number he left was US130431-TX****. The asterisks represent the last four of my husbands social security number which really got my attention because courts do not use social security numbers on court documents.

This morning October 14, 2008 at 9:30am I called the number and asked to speak with Mr. May. I gave him is phony document number and he went on to say that he had a judgment against me in the amount of $2,983.15 from GE Money. I told him I am unaware of GE Money and asked him what this balance was in reference to. He went on to state that GE Money had bought the debt from Vystar Federal Credit Union and the debt in reference was from a credit card. I told him I bank with Vystar however I do not, nor have I ever have a credit card with Vystar. I told him I had two signature loans that are paid off and have been for years. I asked him when was this credit card opened and he said in 1997. I said really because I was a minor in 97 and couldn't have obtained a credit card as the law prevented me from entering contractual agreements until I was 18, and in 97 I was 16. He then asked me if my husband was a student in 1997- 1999 and I refused to answer the question at this time I knew he was probing and was not going to inform him that my husband was in the Navy during those years. I knew he must have dipped into our credit reports because my husband has recently enrolled into college and is taking out student loans.

I told him that I have never had a credit card with Vystar and in the year he mentioned Vystar was actually JaxNavy Federal Credit Union so he was wrong. He went on to stay that I didn't know what I was talking about and I need to pay up on my financial obligations. He went on to state that I was a deadbeat who racks up credit and doesn't pay, and they were going to garnish my wages, and put a lien on my accounts, and have me arrested if I didn't pay the $2,983.15. I laughed and told him he wasn't a very good collector because I never had credit cards until a year ago, I am current on, and and they are set up on my bill pay, and the is no such thing as a debtors prison anymore so try again.

During this time I am busy goggling Moreno and Woods while arguing with the con artist and what do I find?? Forums and articles from dozens of people saying they were all contacted by this company for bogus debt from years ago and all received threats similar to mine.

I told him of my discovery and told him I was not falling for this. I told him that I had my credit report sitting in front of me in a file with all my credit reports I print every year and there is no credit balance in that amount nor do I have any revolving accounts before the year 2006. I also tell him that I am reading on the internet where dozens of people are claiming they are scam artists and he needs to remove me from his potential victim list.

He began saying Christina, Christina are you really this ignorant I have your file sitting right in front of me you owe GE Money Bank now pay up and be a grown up. I screamed you are making this up I have never had a credit card with the bank leave me alone. He screams back I have the account number...Oh really I said, give it to me. He gives me the account number as Acct# and said I could contact GE Money Bank myself at 1-800-414-4557. I hang up.

I called my bank Vystar and after an hour of researching and talking to me the lady tells me, your accounts were paid off in 2003, and were never in default and we don't have record of you ever having a credit card. She then states the account number I gave her was not a Vystar account number, and that they do not sell debt, nor work with in any way GE Money Bank. Since I still have a savings account there they put a fraud alert status on my account and all was well.

I then dialed the 100 number for GE Money Bank and entered in the account number. I was transferred to a customer service rep who asked for my name and account number, I gave it to her, she stated it's an invalid account number. I told her no it's not you sold this account to Moreno and Wood for litigation. She said no, no, no that's an invalid account number, we are a credit card company for store cards from Gap, Banana Republic, Walmart, Home Depo, Sams Club, and Old Navy, and that would be your credit card number but its an invalid credit card number, meaning we don't use that sequence.

I call back Mr. May to tell him of my findings. He starts yelling at me so you think I am stupid huh, maybe you should talk to my supervisor, he will confirm this, I know we will call GE Money Bank and I'll prove to you you owe this. I tell him to conference the call and he agreed. He called the number and got an operator. He gave the operator the account number, my name, my husbands name and both of our socials with our current address (SCARY) and the customer service rep stated that it was not a valid account and they have no record of either of us. I told Mr. May he could take me out of his system now and leave me alone. He then screams what do you mean leave you alone, are you crazy you called me, your harassing me did you not just call me? You owe this money we will research this and I will send our attorney over with the police to deal with you ... and this is where I hang up.

A few minutes later my phone rings and its Mr. Mays screaming how dare you hang up on me, you have no respect, you are a deadbeat who doesn't pay their bills I talked to your mother yesterday just because you like to run hiding who gave me your information CLICK

A few minutes later Mr. Mays calls back screaming again, your a rude, disrespectful, a horrible person stop hanging up on me. I started screaming back telling him he was violating the law, he wasn't allowed to talk to me like that nor block his number and repeatedly call my house. I told him I was recording the call sop keep calling. CLICK

And guess what... RING.. Your recording me, that's illegal that's against the law, I'll have you arrested for that too. I yell back go ahead you obviously don't know phone recording laws, that Texas is a One Party state meaning only one of us has to know and that one of us is ME! CLICK.

If these people contact you don't even bother. I have been dealing with this since 9:30 this morning, and its 1:30 and I am still dealing with it. Don't give them information, don't listen to what they have to say, and take steps to protect yourself. I have unlimited access to my credit report and low and behold they were in my credit as Marshall & Ziolkowski their other name!

As it turns they dip into peoples credit, call them, harass them, and scare them into paying bogus made up debt. Imagine if your a elderly person who might actually fear prison, losing your home, or whatever else they threaten, you'll pay and that's what they bank on your fear!!!

October 2008   Law Office of Harold Scheer They continue to harasses me despite complaints to Federal Trade Commission. They are tapering phone conversations with me and denying that I have sent them a do not call letter. I want to negotiate the price of my 900.00 debit down. But they want full price. It has already been placed as a charge off on my credit report. I was in a bad financial situation and now I am stronger but refuse to pay these guys 900.00 after the way they have treated me .

October 2008   Maximum Recovery Solutions Very rude and not willing to give information on a debt that has already been paid. The first agent Bruce Wayne? Very unprofessional and lack of wisdom. Complaint filed with FTC.

October 2008   Provest, LLC I worked for this agency, and they deal primarily with foreclosures. Problem with them is thye use many illegal practices to gather information on people. They work for the law firms that are processing the foreclosures for the banks. Funny enough Freddie MAc and Fannie Mae are now being investigated, and hopefully these bottom feeders will be shut down also. They will sell out their own grandmother if given the chance. Like I said, I worked there, and I know firsthand of all the illegal things they do. If you ever happen to get served a summons from them, I would advise having your lawyer carefully look at their affidavits. They are made up, forged, etc. Trust me on this one. If they call do not even answer. Yes they will use any tactic to gain information on you to use against you. They will act like long lost friends of relatives. It is horrible and other reason why the foreclosure mess is the way it is. They certainly do not help the situation. They are in it for the big bucks in this industry..

October 2008   Immediate Credit Recovery, Inc., 169 Myers Corners Road, Suite 110, Wappingers Falls, NY 12590-3868, Phone: 845-298-0700, Fax: 845-297-2226; www.icrcollect.com  We are seeing more and more reports on the web about ICR, if you Google 1-877-576-0700 you will find that a person named Valerie will call and harass you regardless if you are the person they are looking for.

October 2008   Howard Lee Schiff East Hartford, CT 06108  I have had the displeasure of dealing with this collection attorney on two occasions. Although both times it did not involve me directly but did effect two of my children. One the first meeting they were attempting to collect a debt that was 10 years old and purchased by one of the better none bottom feeders who purchase old debt and then attempt to re-write the debt a new and file in small claims court. This first time they didn't even have any paperwork, and could not produce none. The only thing they had was a paper from Atlantic stating my son owed the debt. We went to court and in the hallway forced them to withdraw the claim, as they lacked proof. I stated the Fair Debt Collection Rules and stated we would file a counter claim for violations. Net result they drooped the claim and would not allow us to speak to the judge. The second time, involved my younger son. This same firm attempted to collect a old debt that was written off. I again stated to the attorney to provide actual proof the debt was in fact my sons. The only proof the could provide was a bill of sale from HSBC. In formed them that a bill of sale from HSBC only shows that they bought a piece of paper without any signatures or other proof linking my son to the debt. I then stated that we would go to court and file violations of Fair Debt Collection Act. They again dropped the case.

My underlying question is this. If we went and fought these two questionable claims by the collection firm, how many more do they collect on that people fail to respond to, or fail to fight? When we met them at the court the attorney had a box full of claims scheduled for small claims that day. The bottom feeders and there are many and these attorneys were raking in money hand of fist. I must admit that some may be valid claims, but many the debts fail to comply with law and the states statutes of limitations regarding litigation from date of inception to when a company can no longer seek legal actions. In CT. a company or person has 6 years in which to file claims. The bottom feeders pick old debt rewrite as new and side step the law.

October 2008   Hayt, Hayt & Landau 2 Industrial WayMeridian Center Eatontown, NJ 07724   Hayt, Hayt & Landau Law firm but it's clear they are a collection agency, are attempting to collect a debt from me that is 14 years old. I sent a DV letter stating that I never owed anyone the debt and that this debt is out of the statute of limitation in NJ which is 6 years. But it seems they are not listening and sent me another request for payment. They sent me court papers with no signatures on them. This company is clearly trying to violate my rights.

October 2008   Capital Investigative Services, Baltimore  I believe this agency to be a fraud. They use scare tactics such as claiming they will be issuing a court summons for a civil matter to include theft of goods and services, breach of contract, and malicious attempt to defraud. Do not give your credit card information to these people!!!

October 2008   First National Collection Bureau, Sparks, NV  This agency is trying to collect a debt that is at least 20 years old!

October 2008   Autoscribe Corporation, Gaitherburg, MD  Not a collection agency, but a provider of software and a patent licensor to collection agencies, their biggest client base. Autoscribe Corporation holds the patent for making check payments by telephone - an obvious process for which there should not be a fee or a patent. The fees that bank and collectors and anyone else who collects money for using Autoscribe's

October 2008   Law Office of David Silverman  Chicago  I work for a debt settlement company They called my cell phone looking for my brother in law . How the hell they got my # disturbs me .. Told me my brother in law was going to get served by a summons in the morning .. Once they could locate him ? So after I talked him into a 30% settlement with payments I asked him did he realize that he was breaking the law by threatening legal actions and he didn't have a license to practice law in California .. To define Flip a script would be to define this jerks head spin ..He was pissed had to advise him not to call my # again

October 2008   Bureau of Asset Management  Phone: 714-872-5929  1100 E. Orangethorpe Ave.
Anaheim, California, 92801  Just starting to show up on the bad boys radar - keep an eye on them folks.

September 2008   Richard J Boudreau and Associates, LLC  These people are dumb with a capital "D". They called me on Friday, Sept 26, 2008 in the early a.m. for a "bowflex" account. I told "Susan Forest" that since Mr. Boudreau isn't the original creditor, I was not going to deal with them. As soon as I hung up with her, I faxed them a Cease Communication letter. The fax confirmation sheet I kept says that all 4 pages went through OK. Well, today, Monday, September 29, 2008 @ 6:15 p.m., Susan Forest calls me at home to ask what I was going to do about the alleged debt. I had to inform this "rocket scientist" that they received the fax from me on Friday as soon as I hung up with her. Guess now, I'll have to take them to court for harassment and violations of the FDCPA.

 FMS Investment Corporation aka Financial Management Systems   fka Pinnacle Credit Services 1000 E. Woodfield Rd, Ste 102  Schaumburg, Illinois 60173  800-605-9817   800-605-9854  800-889-3002 (fax).
Website: http://www.fmsdc.com/default.aspx   I spoke to a rude heifer by the name of Sophia. She wanted to try the typical settlement offer. That's when I advised her that they were trying to collect on a time barred debt (2002). I just finished sending them a Cease Comm and Time Barred FAX to the above fax listed number. Kept the fax receipt. Let's see what they'll try and pull next.

September 2008   FMS Investment Corp. Schaumburg, IL  These boneheads called me today @ home with a prerecorded message. I called them back on my cell phone and asked what was up. Spoke to a "Sophia". She stated they were trying to collect on a Cross Country Visa I had 7 years ago and attempted to make a settlement offer. I told her it was past the statute of limitations for collection or reporting and to cease communication with me. I tried to find them on your sight, Bud, but didn't have luck. Checked the phone #'s out on Google and it came up they were associated with Pinnacle and LVNV, and that they are out of Schaumburg, Illinois. Time to send them a cease comm and time barred letter/fax.

September 2008   Americredit, Arlington, TX Americredit owns the loan to my husband's vehicle. I called to tell them our payment would be late this month because we had to evacuate from hurricane IKE and that was very expensive. After our phone service was restored they began calling and leaving 5-6 messages every day. My phone rang and rang and the messages never said who they were until about the 5th day into the onslaught. They even called my sister's house to look for my husband. They got it off of the caller ID from when I called them while evacuated. I was staying with my sister during that time. When I called and spoke to a manager today, he said that was all perfectly normal and in accordance with the FDCPA and said I should have updated my phone numbers with them so they would know where I was staying. so, I guess next time we are hit by a hurricane, I will send out official change of address forms to all my creditors before evacuating. yeah, right. I was only gone 2 weeks.

September 2008   Wells Fargo Educational Financial Services/loan Servicing Center, Sioux Falls, SD This agency was horrible. They harassed every member of my family repeatedly. They were very nasty over the phone, refused to work out any kind of payment plan, and called multiple time, every day for months. They changed my home address and contact information without my consent and began mailing all my bills to a previous address. I called to give them payment information and could not even access my OWN account because they had changed my address on me.

September 2008   Harvard Collection Services, Chicago, IL Noticed on my Credit Report an account placed in collection with them. Contacted them to find out what the account was, they claimed it was with Sprint. Contacted Sprint, no record of me owing any money to them, no record of having turned over this account to the collection agency. Contacted the collection agency and they stated Sprint wouldn't know anything about this transaction and it was up to me to prove that I don't owe this account not for them to prove that this account is legitimate. First noticed in December 2007. The agency claimed that it was filled on 11/2007. The only proof they needed was my name and my mailing address.

September 2008   Hunt & Henriques, San Jose, CA Bottom feeders who prey on old debts even past the statute of limitations. Much is written about them on the internet. We need a way to get rid of these crooks. I don't know how they can get a judge to honor their deceit in a court of law.

September 2008   Hoffman, Weinberg and O'Brien Buffalo, NY   BEWARE OF THE NUMBER 1-866-450-5702 THEY CLAIM TO BE A LAW FIRM, Hoffman, Weinberg and O'Brien. THIS IS A SCAM AND THEY WILL CALL EVERYONE YOU KNOW. HOW THEY GET THOSE NUMBERS I DO NOT KNOW. BEWARE THEY WILL DRIVE YOU CRAZY. THEY GIVE YOU A CLAIM NUMBER AND THEY WILL TELL YOU THAT THEY WILL HAVE YOU ARRESTED IF YOU DO NOT PAY THE DEBT. THEY WANT PEOPLE TO PAY THEM DEBTS THAT ARE 15 YEARS OLD. PLEASE BE CAREFUL.

September 2008   Creditwatch Services, Ltd Ft Worth TX   What a sleazy group of jerks. Dealing with a motor-mouthed collector named Ruth Reed(?) talks faster than a hound dog chasing a rabbit. Must have been married 3-4 times cause ya can't get a word in when she starts running her mouth. Threats include a lawsuit, wage garnishment, liens on my house. Can't get a word in when she starts running so I just hang up on her. Let your readers know this place sounds like it's a drug haven or else her coffee has too much caffeine. What trash!

September 2008   Respond to A Collector Speaks (May 2008) First, I want to express my empathy with you regarding the impossible job market. Like you, I was forced to take a telemarketing job (but with a mortgage company) in 2006 that paid $10 per hour plus commission. (I have an advanced degree, but there is little work in my field and it is very competitive.) After a few months, I was fired from this job because I refused to sell second mortgages at high interest rates to retired people on fixed incomes. In hindsight, look at what has now happened because of crooked companies such as this one--the mortgage MESS! It took a while to replace the income, and in the meantime, I defaulted on my credit card payments because I live paycheck to paycheck and could not afford a job loss. It is a CRIME that due to our jobs being sent overseas,good Americans now have to resort to taking jobs at collection agencies because it is now the biggest and most lucrative employer in this country.WHAT A DISGRACE AND IT SHOULD NOT BE ALLOWED. JUST BECAUSE SOMETHING ISLEGAL DOES NOT MAKE IT RIGHT AND IT IS TIME TO STAND UP AND SAY NO. Outsourcing after all is a big reason for the credit defaults. It's time to stand up to employers that practice criminal behavior and say NO I WILL NOTDO THAT, (regardless of the consequences)! When someone defaults on a bill, there is a reason, DUH! they do not have the means to pay it!!! No amountof threat or telephone harassment will change that fact and you will NOT collect the money. Furthermore, it is time the Federal government startedtaking responsibility for the wide-scale financial crisis of citizens in this country. Where are OUR bail-outs? This week we saw large financial companies (Freddie Mac, Fannie Mae, etc.) being saved after committing criminal acts, and in fact, this has become the repeat MO of 2008.UNBELIEVABLE!! LET THEM FAIL like the government is LETTING US FAIL!!! Stop the insanity please! When you take away jobs, you have to EXPECT thatpeople will be unable to pay their bills. Again, DUH! YOU CREATED THIS MESS,NOT US. As far as expecting taxpayers to pay for this debacle--it's nothappening, stupid! DUH! If we cannot pay credit card debt, how in theworld can we be expected to pay for trillions in defaults by large CROOKED, GREEDY Wall Street firms? And why the hell should we???? Stay tuned--personal bankruptcies are also at an all-time high-it just hasn't reached the press yet but it will by year-end. WHAT IS WRONG WITH THIS COUNTRY AND WILL A REAL LEADER EMERGE QUICKLY, PLEASE!!! Rome is burning.....fast!

September 2008     Pentagroup Financial  2448 Union Rd  Houston, TX   Got a call from a Mr. Hobbs last week, he gave me 48 hrs to call back or have an attorney call back. He refused to give me their address. Just a number to call back to 866-375-4503. Said he was collecting on a debt from Verizon General Purposes and he had sent me a letter on 29th of August. I told him I didn't receive a letter and he said maybe I threw it in the trash. He stated that I hadn't made a payment since 2003 and that the account was charged off. SOL in NC is 3 years. I have a letter written and ready to mail on Monday. He said he didn't want to play games and for me to decide what I wanted to do. Let's just see what happens. HE also gave me the names of two people that were associated with my phone number and I have no idea who these people are, never heard of them. I think this dude could be a little nasty if given the chance, so watch for them and tape the conversation if you can.

September 2008     North East Financial Solutions, Inc.  2448 Union Rd    Cheektuwaga, NY 14227
(877) 215-0524   (716) 656-8088   I got this off their very lame website at http://nefsna.com

September 2008   American Recovery Systems (California)   Another "Junk Debt Buyer". They Bought a charged off Chase Bank Credit Card account from another collector and they are now trying to collect from me. They have called my wife's cell phone and sent a letter. I am disabled from having two strokes and receive only social security. I own no assets, no home or car.

September 2008   Superior Recovery Services & Associates  Vineland, NJ

Owned and managed by David & Kelli Grieco  856-691-3636 or  800-801-0065 or  866-696-4188

September 2008   Midwest Litigation Consultants . "Richard Todd" Investigator called and threatened my husband with a felony charge. I googled the # to find out more info on the company and found this. We are in the process of filing bankruptcy so I called to tell him that and first for Linda I told her gave her the case # and told her we had a lawyer and I also contacted our local authorities along with the FBI secret service Ohio state attorney/general and she said well we are still in business and hung up. Pissed I called back repeatedly for about 5 minutes with no answer and finally Richard Todd answered told him the same thing and he told me he would put the paper work in right away to have my husband picked up before we could even file bankruptcy. I tried to tell him we did that process already and he kept saying thank you have a nice day and hung up on me. What a scam!! They don't even have the common courtesy to talk and listen to what I had to say. If they are a "real" company they shouldn't be they are rude and very unprofessional

September 2008   Federal Pacific Credit Co. Salt Lake City, UT  I really just wanted to know the deal with them. They claim to own a debt that is over 7 years old, and claim they bought it recently from a company that has not been in existence since 2005. Has anyone had any experiences with them?

September 2008   The Law Office/David Sean Dufek  I want to report a problem that I have been having with a collection agency/law office named The Law Office/David Sean Dufek whoâEUR(tm)s address is 2655 Camino Del Rio N # 203, San Diego, CA 92108 and whose phone number is 800-600-2610. This collection is representing CACV of Colorado who supposedly bought a debt that I supposedly owed to Providian Bank. Somehow, this law firm has a judgment against me and is using threats and intimidation to garnish my wages. This law firm has called the payroll department where I work and gave the payroll department embarrassing information about me. The woman who worked in payroll had to tell the caller from David DufekâEUR(tm)s office to stop the conversation. This law firm/collection agency has had numerous complaints and has been sued for 15:1692 Fair Debt Collection Act. This law firm refuses to send me documentation on how I owe this debt. This law firm did not tell me, to my knowledge, that I had a court date, if indeed I ever did. This law firm filed papers in Merced County; I do not live in Merced County and there are no parties to this case in Merced County. This law firm refuses to show me any documentation on when this Providian bank card was last used. This debt collector has used false, deceptive and misleading representation or means in connection with the collection of this debt. I would be happy to discuss the details of the matter with you if needed. The point is that this law firm uses threats, humiliation and deception to try and trick victims into paying for a debt that is invalid.

September 2008   Dodfe Management, Jacksonville, FL   Dodge Enterprises is actually owned by a lawyer of Hiday and Ricke. When Hiday gives political contributions he uses Dodge Enterprises for reporting. Sort of funny in an ironic way. Dodge Enterprises is listed as a debt buyer in many places. It apparently has bought debt from the ( now defunct? Providian? WaMu?) First Select Corporation. I wish I had the money to defend myself, but I at least get my day in court. It is likely not to be pretty.

September 2008    Burt & Assoc. Plano, Tx   I wish to advise you of a really bad debt collector. These people "appear" to be legitimate and have all the correct licenses and disclaimers. However, we were the victims of theirs recently when they were trying to collect on a business debt. The debt actually belonged to another company but that did not stop their harassing. They called consistently at 4:00am our time on the owner's personal cell phone. They called employees, former employees and vendors of our company and told them they were collecting a debt and called the owner names like deadbeat and low life. They told them they too would be dragged into a lawsuit if they did not cooperate with them and help them collect the debt. They called employees of the owner's wife's company and screamed at them when they refused to connect them with the wife. (I have a couple of these saved on voice mail, makes me sick to listen to them). They threatened lawsuits, threatened to send someone to the office to take down the VIN numbers on all the cars in the parking lot and have them ALL impounded. I could go on and on but I'm sure you've heard all this before. I am surprised that these people are not on your list. They really should be. The parent company name for Burt & Assoc. is Cade which has already lost several lawsuits and been reprimanded. Good luck and keep up the good work. These people need to be put out of business. They are immoral, unethical and illegal, not to mention rude.

September 2008  National Service of Process   These people called my in-laws asking for me by my maiden name. They said they had a civil suit against me. I called back and they said it was for a Discover Card more than 10 years old. I told them I would pay the debt but had to wait until I got paid next week. They then told me that I should postdate a check, which I didn't do. That's when I found this Web site. I'm trying hard to clean up my debt, so I was on the phone with a few collections agencies that day and noticed a lot of differences. I called back today. These guys say they will not accept a mail-in check. I asked them for any sort of documentation saying I owed this debt. They said they would only give me documentation if I paid and again pressured me to do a post-dated check over the phone. Their last known address for me is an address from 2005. I called Discover and the sold the account to a collections agency whom I called. They said that debt was wiped out in November 2007... so why do these people not have any info after that??? I have no intention of paying them, but I do plan to call them back and demand documentation. If they tell me they'll take me to court, I'll gladly be in the courtroom.

September 2008  General Revenue Corp, aka GRC Las Vegas   I am amazed at what people are going through with these scums. I am dealing with several of the collection companies in the watch list. I owe student loans and have become disable with multiple sclerosis. A guy from GRC named Robert Townsend called my neighbors whom I do not know well. I called this man back because I was upset that he was calling neighbors. During the long conversation he wanted me to go back to school so I could get a new loan to consolidate the old ones, which I know would renew the old loans. He wanted to know how much I make, etc. etc. I have sent letters to these idiots telling them to not call but to only contact me through snail mail. I can tell you that a cease and desist letters don't always work. I know this company has broken every FDCPA law. I have kept a call log on every call, which can be a dozen times per day. I wish anyone dealing with these morons good luck.

September 2008  Freedman, Anselmo, Lindberg & Rappe LLC   Freedman, Anselmo, Lindberg & Rappe LLC
Attorneys at Law   1807 W Diehl Rd, Suite 333   Naperville, IL 60563-1890      Phone 630-983-0770
877-729-6734    They call us at least 5 times a day. Sometimes I take messages and there is an automated system that states the agency's name rather fast and it's hard to catch and then it goes on to say that the call is an attempt to collect a debt, etc. After a minute or 2, I got a guy who said the agency's name is 'F.A.L.R.,' as if I can figure out what that means! I had to do numerous Google searches under 'Freeman' and 'Freedman' until I found them. Their URL is http://www.fallaw.com/ . Apparently, these jackasses do collections and foreclosures and some web pages I uncovered show that these bozos are on the receiving end of a good number of state and federal lawsuits. Also, they are listed on the Citizens for Legal Responsibility webpage (at http://www.clr.org/ ) for seeking information on their 'misconduct, or possible misconduct' in Illinois. So, apparently, these guys are really lawyers, but their conduct is in question. Interesting!

September 2008  Thomas Lesabre Law office aka Krane & Associates  A Glenn Ingersoll called and stated he was a attorney with Lesabre and assoc and I was in contempt of court for failure to appear "on what a credit card bill" He told me he was a federal officer also the county deputy is standing by "I said yeah right on a Friday at 4pm. I looked up his number and found you guys. I need more info

http://www.gobignetwork.com/profiles/GLENN-INGERSOLL.aspx

Krane & Associates     Lesabre law office    Thomas Lesabre Law office   Phillips & Burns, Krane & Associates
Eastern Asset Management   1-888-813-4333   716-713-9816   716-580-3385  

COMPLAINTS HERE

September 2008  CR Associates, LLC  San Antonio, Texas   This is a big drug haven where every law is broken, here is the owner.

CR Associates, LLC     16719 Huebner Rd. Bl 2, Ste 201     San Antonio, TX 78248
Phones:   866-418-3360    866-563-9556

866-645-6269              866-442-2693             517-879-4821-VOIP

OWNER:
Sidney Albert Glenn, Jr.,     aka/Bert Glenn, President         Born: Sept 9, 1959

Spouse: Laura Angelini Glenn    2355 Preakness Lane     San Antonio, TX 78248

PARTNER:  Jim Stewart  221 Pinoak Knolls   San Antonio, TX 78248

In order for someone to have dug up this much information on an agency that wasn't even on our radar, they really had to piss a consumer off.

September 2008  Associated Recovery Systems (ARS)   I have several old credit card debts that I tried to manage through Consumer Credit (I lost my job and had medical problems which got me behind). I have not used these cards since 2001 - actually I cut them up around that time. Despite the fact I paid significant amounts toward the balances, the interest rates kept climbing and the debt became unmanageable. I could no longer keep up and the roller coaster started. Since that time, the debts have been sold and resold and one of them is now "owned" by Associated Recovery Systems. In April of this year, I had enough and was fed up dealing with collection companies on debts that were so old. I was tired of being treated like I was a bad person and tired of being harassed. So, I sent the cease contact letters to the companies who were harassing me (this was in April of 2008). Then about a month ago, it started again. Associated Recovery Systems started sending me letters again and trying to get me to settle. They are also calling me on the phone (as well as my work phone) despite the fact that I asked them not to. I'm not sure what to do next - if they ignore the cease letter - can I sue them for harassment??

August 2008  Lesabre and Associates   They had the sheriff standing by along with a court officer who was also on the line. This was about a missed court date I told them to send me the info and which court it was and it was the wrong county . I told them fax over info about case. Letterhead listed Lesabre and Associates 5500 Main St Suite 308 A Williamsville Ny 14221. No record of company can be found. When I confronted them with this info person became hostile and hung up.

August 2008  Forster & Garbus   have been receiving letters from Forster & Garbus for almost 2 years, every time I get one I send them a letter asking for complete account history etc. They return nothing ... I was served a summons and complaint and filed an answer right away.. when I received a court date I went to the NACA site and found an attorney close by. We went to court and Forster & Garbus did show up but did not have any validations with them. My attorney and the judge gave them 90 days to give me a "proof of discovery" ... which they failed to do by the correct date ..... my attorney is now going to file a motion to dismiss .... see these so-called "lawyers" can be beat, just do your homework!

August 2008  National Credit Acceptance, Inc aka NCA Financial  I was contacted by this company back in late February. They told me that they purchased my debt from Chase Advantage and I owed $8,000. They said I had to pay in full within seven days or they were required to file a lawsuit. The collection agent was looking at my credit report and suggested that I should refinance my vehicle and pay them off and he provided me with the name of a finance company to contact to get this done. He told he to call this company to get a loan and then call him back. I never called him back and did not hear from him again until my husband and I were served with a summons & complaint. Attached to the complaint was a notice that they said was sent to us, which we never received. We never received anything from this company until we were served with the complaint. I was trying to find an attorney that could help me file an Answer to the complaint, but I was unable to obtain one within the required time frame to file an answer. Two days prior to the day my answer was due (I was personally served and my husband was sub-served) I tried to contact the attorney listed on the complaint at the number that was provided. I reached the collection agency and was told that I could not speak with an attorney and that they would give me to a collector. The collector was the same person that I originally spoke to in February. I told him that I wanted to speak to an attorney to request an extension of time to file my answer and he informed me that I could not speak with an attorney but that he was authorized to hold off any action on my account for two weeks. I believed him and thought this would give me time to hire an attorney and file an answer. Two days later I received a "Request for Default" notice that they had filed with the Court. The notice was for both me and my husband (my husband's answer wasn't even due yet, since he was sub served).

P.S. I am not against paying for a debt that I incurred, however they did not give me an opportunity to have this debt validated by sending me the required notification. If I have to pay this company I would like to have assistance in dealing with them because they are unscrupulous in their practices.

August 2008  Midwest Litigation Consultants  Information coming soon.

August 2008  Becks Creek Industries/Amy L. McDonald Law Office  Placentia & New Port Beach CA  A new group of thugs has emerged from CA, using all the illegal tricks in the book. Be on the lookout for Jasen K. Amrhein, the owner, Amy L. McDonald, CA Attorney at Law, CA Bar #196157 of Newport Beach, CA. Collectors are calling in states where they have no license or bonds and threatening court actions by attorney McDonald. Owner Amrhein purchased a portfolio of old, mostly out of statute debts, then attempts to collect by threatening legal actions against unsuspecting consumers. Anyone contacted by this phony group of debt collectors is warned NOT to send them any money. They are liars and con artists. Amy McDonald is already in hot water with the CA State Bar for her association with them. File ethics complaints against her if they use her name or make threats. Do not send these jerks any money, they are NOT legal, they are liars!

August 2008  Pro Vest I just wanted to make people aware that there is a company called ProVest that scurries around with all the bottom feeders and junk buyers.

The information that I found out about them is that they are a "skip tracer" and will hunt your address and your personal information down for a cost.

How they receive this information is completely illegal. They will call people who are in your vacinity and start making up garbage about how they were in sports with you and they are in town but can't find you, do your parents still live in the area. They will also call family members and say they are lifelong friends but just can't seem to get thru on your phone number could they re-verify it for you.

ProVest is a large company that has satellite companies and they are growing. I know I was checking my area and they are stationed out of Philadelphia but have no trouble driving up to my area (6 hours) away to serve a summons for the junk buyer who has contacted them.

I searched your site, and I couldn't find anything about them. so I wanted to give you a head's up.

I searched thru previous posts and found the wonderful website that identifies junk buyers and all their friends and went in and checked it out, this is how I found out about ProVest.  I found their number on my caller ID one day and was amazed.

August 2008  Diversified Adjustment Service, Inc. "The Collection Specialists". 800 Coon Rapids Blvd., Coon Rapids, MN 55433/ mailing address: PO Bx 32145, Fridley, MN 55432 Local phone # 763-780-1042, toll free 800-592-3429, fax: 763-780-9338.

August 2008   Anchor Receivables Management  Anchor tried to pull a fast one on me but I cut that off quick. They offered me a debt settlement but wanted my checking account number in return for the settlement. I told them no way. I sent a formal complaint to the attorney general who in turn sent them a letter asking why they were trying to deceive me into supplying my checking information. They tried to lie their way out of it, but, long story short, I wound up getting the settlement under my terms and they wound up with a warning.

August 2008   Northstar Companies  Northstar Companies (no connection to Zenith) this company is headed by Joel Castle, former CEO of Great Lakes - the grand daddy of all Buffalo Collections agencies. he had to close Great Lakes due to too many suits against the company. He claims however that this business belongs to his children - not him, but he leads all meetings on the floor. This company tries to promote itself as FDCPA compliant, especially in the media, but is not in any way. Although collectors may be monitored and occasionally written up to save face if investigated - managers are not!!! When mangers are forwarded calls from collectors for a "2nd" voice - they threaten legal action, liens, garnishment and even police involvement. This is particularly true of James Hatric, Roberta Hanlan ("Bobby Hanlan"), and Chuck McCoy. These managers all use an alias and with good reason. These managers, especially Hanlan are very close to Floor director "Maggie Long". Long and Hanlan also have a lesbian love relationship. This could be why the director lets her get away with so much. She also has a relationship with Jim Hatrick.

August 2008   National Legal Recovery Service  NLRS - Owned by Rebbeca Gallagher (formerly Rebecca Werth) an ex- associate of Doug Mckinnon - Munson/Lenahan/Giove Law. Brenda Kretschman worked for this person before working for McKinnon and Bohn, but left due to the company's legal problems with attorney generals. This bunch of scumbags threaten legal action and have no right to do so and also break FDCPA laws all over the place. Both Gallagher and former manager Carolyn Audino posed as attorneys on various talk offs. Audino now works as a collector for National Action Financial Service. The NLRS address and phone is (888) 865-6577 - 6000 N. Bailey Ave., Suite#2, Amherst NY 14226-5102.

August 2008   Vandenberg, Chase & Associates  This company is brutal. They are a collection agency, apparently newly formed in March 2008, that have their "investigators" call and make you believe they are a law firm and if you don't pay they will issue a warrant for your arrest, garnish your wages, etc. Mind you, they do all this without ever having sent anything in writing regarding the alleged debt.   Phone: (404) 249-1099  Address: 2870 Peachtree Rd NW Ste 492  Atlanta, GA 30305-2918     Mohammad Ahmed, President   887 W Marietta St NW Ste J102
Atlanta, GA 30318-5266     Fax: (404) 249-9599  www.vcacorp.com

August 2008   Credit Collections Bureau, Rapid City SD  This agency is a lawsuit waiting to happen. They sued me for a debt that I know I didn't owe after I requested full validation. I received nothing, and pointed that out at the hearing. Unfortunately the judges in Pennington County, SD are probably being paid by CCB to automatically side with them, as despite their violations of the FDCPA, they awarded a judgment against me. I am now filing for bankruptcy because come hell or high water, I am not paying them one penny, judgment be damned.

August 2008   Takhar Collection Services, LTD Missed a call from 800-898-4426 yesterday. Left a voicemail message so garbled and static ridden that I couldn't decipher it. Tried calling back and only got an automated message that the voice mailbox was full. Did some research over at 800notes and whocallsme and apparently that's par for the course. Others there report that they are trying to collect for BMG music/DVD's, most people reporting that they've never had an account with BMG. It also seems that they employ overseas call centers. Almost sounds like a phishing scam, might be worth keeping an eye on these guys.

Head office :
Takhar Collection Services Ltd (TCS)   202 Beverly Street   Cambrdige ON N1R 3Z8, CANADA
Branch offices :  2500, boul. Daniel-Johnson   Bureau 908   Laval, Quebec H7T 2P6, CANADA
US :  1623 Military Road, Suite 537   Niagara Falls, New York 14304

August 2008   Rubin & Rothman  I am thoroughly frustrated with the way Rubin & Rothman conduct their business.

I have received aggressive harassing phone calls from Rubin & Rothman, which has become infuriating to me and my family.  My ordeal started when I discussed a payment plan, mind you, we HAVE NOT MISSED A PAYMENT. It might be in a week later than the agreed-on 20th of each month, at most, but not one was missed. The first incident started when a Rothman's representative screamed over the phone at my wife, repeatedly threatened to “destroy” her, told my wife that she -- the rep -- owned a nice house and paid her bills promptly, and that my wife should NEVER BE CONSIDERED as decent human being!”

Then as soon as the due date comes the calls start. Payments are due on the 20th of the month, if they do not have your payment on that day they call my cell phone, then my work phone. Then also an automated message also calls my cell phone shortly after an employee does.

Here is my dilemma. I work for a company, where these calls are unacceptable. The representatives of Rubin & Rothman who made these phone calls are extremely rude and very unprofessional. The greatest insult rests on Rubin & Rothman’s remarks, when they even told my boss at my place of employment that he was a “liar” when he refused to give out personal information about me. On many occasions Rubin & Rothman has called my job and told my co-workers that “I owe money and I refuse to pay my bills!” This is just unacceptable!

Surely you can understand my frustration. It would be very helpful if someone can contact me regarding this issue and advise me on how to proceed, which would be greatly appreciated.

kevin is ex con. they promise high credit scores. about 20 of his employees including a few managers filed a lawsuit against him...check it out & warn consumers!!!

August 2008   To Consumers with debt problems  Just wanted to let y'all know that if you fight most of these knuckleheaded, bottom feeders with Bud Hibbs Cease Comm Letter and/or Time Barred letters, they will stop harassing you, for the most part. Demand that they do not sell or share your information with anyone else. Keep in mind, though, each time you check your credit bureaus, it will flag your current address, and you'll get more bottom feeders harassing you. I've sent out cease comm and time barred letters to several agencies that have been hounding me for quite some time, not a single one of them has contacted me again, and my credit bureau's are clean. Fight them, and don't give up. Don't give them a thing! Ask them to validate everything and when they don't hit them with the cease comm letter. Most of these bottom feeders have fax machines...hit them twice, once by fax, be sure to keep the transmission sheet as that's proof they received it and certified return receipt mail. It works. Thanks Bud!

August 2008   Certegy  In January of this year I wrote a check, not knowing that I did not have enough money in my account to cover this. When I discovered what had happened, I called the company and they said that a company named certegy had covered the check. I am now being contacted by this company and they keep telling me they are going to call the sheriff if I don't pay this immediately. I told them I would make payments if they would take less than the full amount and they say no way. Did you ever hear of this company.

August 2008   Kramer & Frank PC are probably the number one debt collectors in MO. & IL. They take everyone to court and usually win. They bank on you not showing up so they can get a default judgment. Their know for taking on Midland Credit Management account that are clearing past the statue of limitations. They do a lot of Capital One accounts. Once you don't show up for court, they will garnish your bank account and then your wages. I was in their offices, their daily deposit was $180,955.37. The lady left the checks and money in plain view, I couldn't help but see it. How much of this money was from zombie debt.

August 2008   Spellman & Roman   I began receiving threatening phone calls from a company calling themselves "Spellman and Roman". They threatened my mother in law, my work, saying they would cause a "disturbance" there and get me fired and then the final straw was the following: A woman by the name of D.C. Miller called and said I had to pay $1486.10 in 20 minutes "or else". I asked what she meant by that and she said "well, let's put it this way...I know I'm going home tonight, but you'll never even make it home". I asked if that was a threat on my life, and her response was "take it however you want". I immediately drove to the police station and filed a complaint statement with them. This woman called again while I was at the police station filling out the forms, so I tried to pass my cell phone to the officer assisting me, and she hung up on him. (He identified himself as an officer and she called him a "liar" and disconnected.) I researched the FDCPA, and these people have violated 16 articles in it...even if you let them know that you are aware their actions are illegal; they don't care...they just keep harassing and threatening.

They refuse to provide any documentation, but in one phone call I managed to get them to slip up and give me the original creditor's name which they said was "Ashland Funding". I searched online and found a phone number for them of 1-866-722-2770, and called it. They said they had my name on file, but that they had "sold" my debt to a company called iCollect, and to call them. iCollect's phone number is 1-866-856-1024, and when I called, I am unable to reach any live person; it is just a recorded message saying you should contact the original creditor if it is less than 90 days old, or contact the collection agency that is calling you if it is over 90 days old. No other phone numbers are provided, no address, nothing!

As for the actions of "Spellman & Roman" (which I have researched, and have gone by all of these names: State Predisposition, Jacksonville Law, Offices of Winston Law, Offices of Sydney Roman, Law Offices of D.C. Miller, Bass Associates and Spellman and Roman...all within  the last 6 months, so there's a BIG red flag there!), I have begun filing complaints with anyone and everyone. I filed complaints/statements with my local law enforcement, FBI fraud division, FTC, State Attorney General for both Florida (their original base) and South Carolina (although their address there is fraudulent and comes up as an empty warehouse), homeland security financial division, BBB. They insist that the only way you can pay the debt is to deposit cash into a bank account at Bank of America, so I took that account number with me to B of A and notified them that someone was illegally trying to extort money from me through their financial institution. The had me fill out statements for the Corporate Securities department.

AFTER MULTIPLE MORE THREATS AND HARASSMENT, I FINALLY TOOK ACTION TO CONTACT THE AGENCY THEMSELVES:

This is an actual cut and paste of the letter I sent them. It does have info in it from some research I have done, and some interesting background on them. Once I sent them this, they suddenly stopped calling, emailing, etc. I have not heard a peep from them since!

Here is the letter (with my personal information X'd out):

To the offices of D.C. Miller, Spellman & Roman, or whichever company name you are using right now:

I received an email from your offices on July 29th, 2008, which stated that I have 30 days to dispute in writing. I am exercising my rights under the FDCPA to request documentation of the original debt, the original creditor, their contact information and any and all fees incurred on the debt since it's incurement.

Legally, under the FDCPA, you were required to send me this documentation within 5 days of our first contact, which was on July 17th. The documentation is to be sent via USPS mail. This is my 18th request for written documentation via mail. I have given you my current address many time, but in case you misplaced it, here it is again: P.O. Box (XXXXX), Reno, NV (XXXXX).

Furthermore, under my rights in the FDCPA, I am notifying you to cease and desist calling my home phone, cell phone, employer and third parties. Legally you may only contact a 3rd party one time to request my contact information, and you may not reveal the purpose for the call or identify yourself as a credit collector to a third party; to date you have contacted 3rd parties regarding this issue a total of 32 times and have disclosed personal information and threats to the 3rd parties each time. This is clearly operating outside of legal parameters.

I have attempted 3 times to send a written dispute to the address you provided on your email, and 3 times I have received the mail back advising me the address is a "vacant" address. Further research into the address shows that it is an unoccupied storage facility. I checked for nearby addresses to see if there was possibly a "typo" in the address on your email, however, the State of South Carolina does not have a legal operating company by the name of Spellman & Roman...not in Moncks Corner or any other part of the state.

Your representatives going by the names of Lewis Steadman, Winston Law and D.C. Miller have continuously called me, harassing me and threatening me. The woman calling herself "D.C. Miller" has even made threats to my employer (saying they will cause a disturbance at my place of employment) and made a threat against my life (saying that she was going home but I would never even make it home). All of the above parties have threatened me multiple times with imprisonment, which is also illegal under the FDCPA.

On multiple calls, your representatives identify the company as the "Law Offices Of...", which is also illegal to falsely represent yourself as a law office when you are in fact not. Given that you are not actually any sort of law office; and given your multiple violations of the FDCPA; I realize now that you may full well not be familiar with or even understand the FDCPA. I would suggest to you that retain some actual legal counsel to assist you with this lack of knowledge.

In researching the debt, I have found that Ashland Funding "sold" the alleged debt to iCollect, who then "sold" it to you. However, no one is able to provide me any documentation that this is a legitimate debt, or original documents. You agents advised me that if I didn't pay the money via cash or a pre-paid Visa card, they would contact Ashland and tell them to collect upon the debt, however, after speaking with Ashland, they informed me that they no longer have anything to do with this matter as it was "sold", and then they advised me not to do business of any kind with your company.

Because your company has illegally extorted $1000 from me through threats of violence & imprisonment utilizing a bank account with Bank Of America, I have gone to Bank of America and notified them of the actions. They have had me fill out statements for their corporate securities division to investigate the fraud and extortion.

August 2008   McCarthy, Burgess & Wolf, Ohio  I understand that CA's have a job but I don't think that job should be to automatically SCREAM at people and belittle them. This company has the rudest people working there and it doesn't do any good to speak to a supervisor because they are just as demanding and rude! I work for a company that MBW is trying to "Collect" something from and I am the unfortunate one who HAS to answer the phones. Mark Blackwell became instantly rude when I told him the owner wasn't in and when I couldn't get a word in edge wise, due to his yelling at me, I hung up. He called back 4 more times just as mean and rude. I called the number back and asked for a supervisor and spoke with JEFF, and because I didn't give him what he wanted said that he couldn't promise that his workers wouldn't be mean in the future. They are insulting and have no respect. Watch out!! I will hang up on them until they treat me with respect!

August 2008   Estate Information Services, LLC   1 (877) 714-3739 and (614) 322-2758 Estate Information Services, 2323 Lake Club Drive, Columbus, Ohio 43232. My brother David died in June 2008, and he had a lot of credit card debts-- in excess of $200,000 of credit card debts. When combined with his mortgages, he owed over $400,000 at the time of his death. He was single and had no children. None of his family members co-signed for any of his debts. Since his estate is hopelessly insolvent, none of us want to spend the money to open probate, and none of us want to be executor for his estate. But now we are getting phone calls from this probate collection agency demanding that we pay them and that we give them probate information. We told them to stop calling and we even sent them a letter telling them to stop calling us because we are not responsible for his debts. But they keep calling us and they are very hostile on the phone. We have been recording their telephone calls, and we plan on filing a complaint against them with our Arizona Attorney General's office.

August 2008   Paul Law Office  Paul Law Office is now using pre texting to get to people. I believe that is illegal.

In one call the caller acted like it was a political survey. Paul Law Office's toll free number showed in caller ID. Asked on what organization she was calling she said she "wasn't allowed to tell."

Received two calls showing Global on the caller ID. When the number is called the message states Global Construction Company. If the call is answered caller eventually identifies as calling on behalf of Tracey Paul. If you do call back they capture your caller ID. Within a short while a call comes from their office in Utah.

Didn't Congress make pre texting illegal?  I recognize the same voice in all these calls.

August 2008   American Payment Systems  My letter arrived today, Final notification ,addressed to my wife ( Third party rule). Implying legal action (another violation) for an account that is years past SOL. If these fools have any money some one should file a class action, we could all benefit.

August 2008  CCA  Collection Company of America  I am receiving daily phone calls from a collection agency called CCA, or Collection Company of America. My husband answered one of their calls about a week ago. They were looking for someone with my name, but they had the wrong SSN and DOB. My husband was smart enough not to give them any information. He only confirmed that the information they had was not mine. They said they would make note of this on the account and promised the calls would stop. We were out of town for the past few days and returned to an answering machine full of their calls. They say that "I" must return their call immediately and reference a case number they leave in the message. From the bit of research I have done thus far, I can see that they collect for the Department of Education. However, I am not behind on any of my student loan payments. I got copies of my credit report from the three CA's and this debt does not appear on any of them. I also checked on my account status at both student loan agencies I pay monthly and there is no record of this debt. How do I clear this up? I am concerned that this is going to get worse. The blogs I've read about CCA make it sound very nasty. How do I get them to leave me alone?

August 2008  Central Credit Services, Inc. I have been told by two companies I settled with a while back that they are sending me letters saying my account was paid off - we'll see.

If I have any further problems, I will contact you. They were so nasty and ill-tempered to me on the phone. All I was trying to explain to them was that their information was incorrect and that I could prove it.

They go so mad. I really didn't understand why. Now, I do after reading all you info.

My amount is small - $137.00 my dentist never did get - but they said it was for him. This was someone at RPM in Bothell Washington. So I asked for a "pull recording request" to be filled out. Do you know that this agency, RPM, came back 2 months later and asked me for the difference between what we had settle on and the $137.00??????

RPM has not been rude to me when I called them - and at least at this point, one of the "escalations" supervisors is trying to help me. She actually told me that this other collections agency had bought what was left over after my settlement with JC Penney. I said to her "isn't that illegal"? Apparently not.

August 2008  Kopolow Law Firm I have some debt. I will admit that. And while old bills are always on my mind, my family, food, shelter, lights, gas, etc... are first on the list at payday. Left over goes to bills. Today I come home and my children hand me a note that has been left under my door mat that says I am to "call John Hudson (Kapolow Law Firm) at 866-623-7078, your phone is not working for him". Well, phone wasn't on my list. But I do know I have never received any correspondence from this "Law Firm" nor have I ever talked to this John. But, to send someone to my house?? To give someone my address and send them with a sticky note to knock on my door? Where my family sleeps? Ohhh myyyyy gossshh. It probably cost them more in gas than the debt I may owe for God only knows what. Can they do that?

August 2008  Mendelson Law Firm This law firm is the champion attorney for the evil collection agencies (including Unifraud) and creditors

August 2008  Pinnacle Credit Services, LLC  Be careful of this junk debt collector, they bought some very old First USA accounts, most are already out of statute, sent them out to Lawrence Hecker. Make them validate, there are not any documents to back up their claim. Hecker will threaten lawsuits. These debts are too old to collect. They also operate under Fourscore Resource Capital, it's the same as Pinnacle.

August 2008    Pressler and Pressler   Awful crooks. buy up old debt and then sue for judgments. I tried to work out a settlement with them to no avail.  I had to hire an attorney to get them off my back and wound up paying on a debt that was past the stat of limitations/

August 2008    First National Collection Bureau   I was just wondering if anyone had any information on this group. The letter also has a PO box listed in Concord, Ca. Thank you for any information.  Is this who you are looking for? 775-322-0444.  First National Collection Bureau Inc. 610 Waltham Way  McCarran, NV 89434 

August 2008    E R M I   calls my house every hour on the hour. When I answer, no one is there, when I don't no message is left. The new baby can never sleep.  I called them back, and have been put on hold. This is totally frustrating. Nothing in the mail

August 2008    American Express Optima A new twist at re ageing an old debt. I had an old AmEX Optima about ten years ago. It has since dropped from my credit reports except for account reviews. I've noticed that American Express still reviews my credit (account review) about every two months and have for the last ten years. About every 90 days they will send me an offer for a new card stating I may restore my credit with them if I pay a certain amount and they will issue a new card to me. On the back of the application it states that upon issuance of a new card any old balance will be transferred to the new one. This card was issued by the American Express Centurian Bank. I thought banks had to charge off accounts 6 months past due but apparently this bank doesn't. So anyone receiving these offers should be aware they may be re ageing their old debts if they even respond to their offer.

August 2008    ARS...aka Associated Recovery Systems  201 W. Grand Ave, Escondido, CA I was first contacted at the end of June 2008 AT WORK by a man stating his name was Chuck Winslow. He said he was collecting a debt on behalf of Lowes in the amount of $2234. He said he could lower it down to $1275 if I made a payment immediately. He then asked for me to give him a postdated check and that if I did not give him one, it would be forwarded to their legal department and a judgment would be made against me. He said "You dont want that, you have a good credit rating". I told him I would not give him any bank information over the phone, and that he should contact me at home. (The debt mentioned was paid off in when my husband and I refinanced our home in July 2007, the mortgage company even gave the date the check was cashed by Lowes to pay off the debt). I told Chuck Winslow the times that I would be available at home in the evenings after work, but he only called during the MORNING AND AFTERNOON on my home phone leaving messages that I must contact him immediately to avoid legal action. Well, today, July 31st 2008, my father who lives in ILLINOIS (I live in CA) and is 70 years old called my work in a panic saying that someone from ARS, named MRS BELLAMY from their LEGAL DEPARTMENT was trying to reach me and asked my father to give me a message to call her. Needless to say, my father was in a panic thinking I was in some kind of legal trouble, etc. After visiting this web site, I am going to tell them to go ahead and sue me and I will be taking one of my dear friends, (a criminal defense attorney) to court with me and I will see them there.

August 2008    Ross & Newman Firm  Apparently Greenberg and Assoc. and/or Ross and Newman are going by another name (American Payment Systems). On July 8 they called my cousin's house looking for me and stating "This is Jane Thomason from Ross and Newman and they were filing a Civil Complaint in York County case number 91004 if I did not call them by 7 pm." I got the message 3 days later. Well Aug 1 I finally received the first letter from them (now called American Payment Services but same address as Greenberg) and in this letter stating it is their FINAL NOTIFICATION. They have the case number listed for court. They addressed it in care of my husband. I am mailing off a letter to them requesting $1000 for violating the FDCPA or I'll meet them in court where they can pay me and my attorney.

August 2008   Marshall, Greene & Associates, Inc.   An update on Profile Management Inc. of Buffalo NY. This company has now changed its name, according to its web site, to Marshall, Greene & Associates Inc. http://www.marshallgreeneinc.com

August 2008      I found an interesting website: www.debtconnection.com, that places like mann-bracken probably frequent. It has lists of porfolios for sale with the value amount of portfolios and when the bids start etc. Mann-Bracken is not registered but you can bet they use it. The debts are sold worldwide there so you can bet 99% of those low life junk debt buyers never never ever check for facts.

August 2008   Berlin-Wheeler   Just to let you know they are using a new tactic. I received a "refund" check in the mail from this company. Says for customer accommodations. I knew I wasn't due any refund so decided to Google them. They are a collection agency that doesn't appear to have a very good reputation.  Yeah, that's a trick too many fall for - don't sign anything to activate the "check" and don't deposit it through your personal bank.  Some people have reported using a check-cashing service to get the money and run...

August 2008   National Services Processors   This criminal organization needs to be stopped. I am at a loss as to how they can continue to operate. With all the information, complaints and negative testimonials circulating around the Internet about these criminals, you'd think somebody would do something.

They called my ex-step-mother and ex-wife. Since I am still in contact with both of them, they called me to let me know this organization was calling and threatening lawsuits or arrest. I am not a lawyer but I would think that the inference of being a criminal would be enough to constitute defamation of character. Aside from the myriad of laws they break on each and every phone call, you would think that there are enough people out there to launch a class-action suit or some other litigation against these criminals. Maybe this has been attempted and they have eluded it somehow.

What bothers me the most about this organization is they are not just inflicting financial harm, but they are also hurting people emotionally. My step-mother is elderly and she was really upset by this. I can't imagine how many other people have been worried or lost sleep over these bogus claims.

Anyhow, I called this organization to tell them to quit harassing my friends and family. I have been in the professional collections business and am familiar with all the laws. A collection agency is defined as any entity attempting to collect a debt. If they are legitimately attempting to collect a debt, they most adhere to the FDCPA among other state and local collection laws. These laws were designed to stop organization from intimidating people and to give people an even playing field in which to professionally interact with the debt collector. It is obvious they are not playing by the rules nor do they care that they are breaking them.

My interaction with these people was nothing short of comical. I had one "investigator" ask me if I liked being a nerd. He asked me how long I had been wearing a pocket protector at which time I asked him how long he had been a felon and how many years of his life had he wasted in prison. Needless to say, he got very defensive and more verbally abusive. It was all I could do not to laugh. He hung up on me and I called back and got another person. I asked her if she was a felon, too. She hung up on me. I called back and a guy professing to be the supervisor said he was going to report me for harassment at which time I could not contain my laughter. After my laughter subsided he said I was in serious trouble. He went on to give me a diatribe about the state of our country's economic woes and how people like me are the cause of it. Wow!! These guys are either seriously mentally ill or they have been completely brain washed into believing that what they are doing is right. Either way, they need to be stopped.

I have a very common name and as it turns out the 14 year-old debt wasn't even mine so all the harassment was done for nothing.

July 2008  Warner Robins  This "law firm" is one of the worst bottom feeders I have ever seen. They were calling me everyday for a long time then stopped. When they started calling again it was several months later. Every time they call it is a different person and when I ask about the last person that called I am told they are no longer employed there. That should tell you something. I have an old credit card that they are trying to collect on and have tried to work out payments. But as stated in one of the other comments they told me they are not a financing company and I had my chance to make payments. I am sending them a cease letter and have also spoken with a local attorney who told me these guys are terrible.

July 2008  Heath W. Williams, LLC  Heath Williams is an attorney who represents PDQ Services. He does have or did have litigation against is firm for violating the FCRA.  (Atlanta, GA)

July 2008  McCarthy, Burgess & Wolff   These scum-bag liars phoned me 6 times in a row one day last week. I told them not to call again the first 5 times, but they persisted, screaming over the phone. The 6th time went to voicemail, then I sent them the famous Bud Hibbs letter (which always works).   They present themselves as lawyers but are not. They are simply uneducated, ignorant people who want a job wherein they can harass others.

July 2008    Sentry Credit Inc I have received a call from Sentry Credit Inc. calling and leaving a message like they are a long lost "best friend" and leave know detailed information. They have been asked a total of five times not to call that the person that they are looking for does not even reside at this number. They continue to call leaving that person they are asking for a detailed information that they are going to have to file a lawsuit in our town. This last couple of calls came from a Haily Campbell and she is going on in the message that um they need this person to call her back and um that they are going to um have to file in the town and to call her back ASAP. I have done some research on this company through Google and found that they are heavily backed by Wells Fargo Bank and they do auto collections. They opened on 8/1/97 in Everett Washington. Mr. Michael Mathers, President and additional personnel staff are Bill Perrella, Kelly Wilson, Collection Manager, and Andre Duran. They have had 41 complaints filed against them through the Washington State Better Business Bureau and of those 41 complaints filed only 22 have been resolved. They are members of the Everett Chamber of Commerce, Better Business of Washington and Oregon, The American Collectors Association, The Washington Collectors Association. There phone numbers are 425-257-9500, 800-608-2581, 425-257-9525-fad. They are located at 2809 Grand Ave., Everett, WA 98201-3417. The company website is www.sentrycredit.com. I did this research in case anyone has had or will have contact from these slim balls and need information. I do hope that this helps.

July 2008    Credit Bureau of the South is a very legitimate agency. Folks that can see even just a little know the difference from a parking garage and a visitor parking area and front entrance. Credit Bureau of the South sells credit reports and reports collection items to Experian, Equifax, Trans Union and Innovis. David G. Moore is their staff attorney and very well liked by the judges. His Louisiana Bar Number is 9606. Credit Bureau of Greater Shreveport no longer exist, but an agency called Credit Bureau of Louisiana is in their building. They do not have a staff attorney and offers only part of what Credit Bureau of the South does.

July 2008    Evans, Thomas and Associates  I was employed at Evans Thomas and associates stayed only a few days not every bill collector is a bottom feeder I personally have never used shady ways to collect a legitimate debt I left for being advised to violate federal law and to belittle people

July 2008    UC Bureau Collections, Ohio  Here's a real winner for ya. UC Bureau Collections in Toledo, Ohio will call anyone and everyone they can to get you to pay a debt whether you owe it or not. They even have the nerve to try to get other people to pay for you, which is not only dirty business, but illegal. I received a call from one of their star collectors named Safari Jackson who refused to identify himself as a collector or tell me who he worked for. I suspected that he worked for UC Bureau because I allowed a neighbor to use my phone and he called to tell them to leave him alone. Now, they are trying to use me for an answering service to badger my neighbor or pay the debt myself. When I confronted them for the third time, they admitted Safari Jackson (I suspect this isn't his real name) did work for UC Bureau and also had the nerve to tell me that I have no right to tell them not to call my phone. According to them, because I allowed a neighbor to use my telephone, they can now call me any time they want as if my phone belongs to my neighbor. I beg to differ.

July 2008    A & S Collection Associates, Inc.  Vermont   Be advised that agency owner Ronald Saldi, Jr., has been arrested for possession of cocaine. This can be easily verified at the United States District Court, Burlington, VT under Case Number: 2:08MJ26-1. He is currently on release subject to conditions of the court. Do you really want to send money to a cocaine collection agency? Will they be around in a few months? Will another agency come after you for the same money once A&S is gone? Will Ronald Saldi, Jr be collecting debts from a prison cell?

July 2008    National Recovery Group, LLC  aka/ NRG    I did research on a NEW collection company called NRG or National Recovery Group LLC. This company was formed and licensed in the State of New York on March 11, 2008.

Upon contacting this company they are not willing to give you any owner's name. In fact they state they DO NOT send out letters of demand "because letters take too long." Right out of the gate they threaten to sue for debts unpaid. In fact they inquire accounts supposedly listed with credit report agencies, but disregard when accounts state that they are in dispute. Their "claims" people are not knowledgeable as to the Federal Regulations prohibiting harassing phone calls or threats.

Greg Allen and Taja Hartman are two of the people I personally spoke with and Mr. Allen had only excuses as to why Ms. Hartman did not know the laws. I suggest everyone get to know the laws when dealing with this company.

July 2008    I also used to work for pill poppin Larry he fired one guy replaced him with a woman that does not mind doing his dirty work nor did she seem to have a issue with working for a lawyer that loves kiddy porn. Or working for a convicted felon   http://www.sec.gov/litigation/admin/34-45689.htm

Larry stumbles around all day like a fool and thinks we all love him , but I have been taping all of the things she says when no one is around , I taped all the call from my " manager " who threatened jail to at least 15 debtors

PUT LARRY WEIL IN A REHAB AND OUT OF A POSITION WHERE HE CAN STILL STEAL! THE 5 YRS HE GOT SEEMS TO NOT HAVE MADE HIM LEARN ANYTHING

July 2008    Alabama Consumers - Something to Consider.    ...two district court judges from Tuscaloosa County appeared with the bottom feeder lawyers. Reminded us that most debtors don't want to pay $300 for a lawyer to just "show up" because they feel they will lose anyway.

Both judges stated that they knew the affidavits filed in their court were bogus and full of hearsay and were generally inadmissible for lack of personal knowledge.

As the creditor attorneys squirmed (the major creditor attorneys in our state sat on the "panel"), One of the Judges told the attorneys attending that the best thing they could do for their clients in collection cases is to have them *NOT APPEAR IN COURT*. He told the group that the Creditor's attorneys never bring any witnesses with them (ones they do bring usually don't have personal knowledge of anything); the Plaintiff has the burden of proof in the cases and hopes the Defendant will appear so they can settle the case or ask the Defendant questions; if the Defendant has an attorney the case must proceed; and once an answer is filed to response to the lawsuit it CANNOT be dismissed without prejudice unless BOTH parties consent (under Alabama's Rules of Civil Procedure). He further stated that neither the Plaintiff nor Defendant has to appear in court unless subpoenaed. So when the
Creditor attorney cannot meet their burden of proof, it becomes a defense verdict.

Local lawyers usually "stow away" clients close by and appear in court without them.  If the Plaintiff brings a witness, the clients get a cell call to come in. Otherwise, it's a 60 second trial.

July 2008    Primary Financial Services    Phoenix  I just got a collection letter from them yesterday. I noticed they did a pull on my credit report, nice that CA's can do this and make my score go down. They just called my home number today and talked with my daughter (who is 11) and where very rude. Calling her stupid and that her mom was going to jail and was a deadbeat (I wish we had the answering machine on to record it). She called me right away and gave me the number of the caller ID. My DV and CLD is going out to them today. They say they are collecting for Dell.

July 2008    Lawrence A. Hecker    This law office called me yesterday about a debt that was over 5 years old. They first called my aunt. I have no idea how they even reached my aunt. They discussed the ENTIRE situation with her. She then called me with my account number, amount that I owe, and the agency's phone number. She told me that the man was a "good guy" and it was the Christian thing to do to settle my debt. Now, my debt is up for family discussion. They even asked her if she would be willing to make a payment on my behalf. The nerve of these people!!! I feel like my privacy is completely violated! I thought people protected things like this from happening! I looked up Lawrence Hecker (I thought he might not be a real lawyer) and I found several class action law suits against him for unfair collection practices. The one I looked into was dismissed!

July 2008     Brumbaugh and Quandahl    These guys have resurrected lawsuits long dead by statute or law. They never successfully served me. By Nebraska law, one case should be thrown out (Section 25-217. and the other is way out of statute of limitations. So, they think they know where I reside and have gone to the court that should have thrown it. I don't answer their suit that was served past the six months and file a special appearance---I can't answer that which does not exist. They let it sit and now nearly one half year later they go to court where it was filed two years ago and served after the six month lawful period and file a motion to have a change of venue. Here's the kicker of how unethical these guys are. They filed a motion for hearing with an order for the judge to sign and a hearing date of July 17th. ALL of the documents state hearing on July 17th, but evidently, unknown to me, they set the hearing for June and even though the papers say July 17th, they tricked the judge into signing an order to change the venue and resurrect the dead lawsuit....again. Sneaky? And, the chief cheese of this "law" firm, the officer of the court he is also serves as the Republican Chair for State of Nebraska which taunts itself as the...family values party. Nice. While all this malarkey goes on, I've been taking care of my Mom who recently was told is dying of pulmonary fibrosis and it is on a VERY fast track to an extremely painful death.

They are also chasing me on an alleged debt that is 8 years old that went to arbitration and its total more than tripled  what allegedly was owed in the first place. That, I know, is against the Fair Debt laws.

July 2008    Jef Booth & Associates, now known as Attorney Jason Head     see http://www.budhibbs.com/giove

After reading all of the comments here, I feel a little more at ease and have a grasp on what I need to do. I had a credit card with Orchard Bank, which because of illness I was not able to pay. So they sent it to collection, I made some payments but it wasn't enough for them. Apparently they first sold the debt to Jef Booth & Associates. A person by the name of Mr. Sanchez called me a work and threatened me with wage garnishment, court, and possibly jail time. Scared me so I agreed to set up a payment plan. I then called and told him not to contact my place of employment, and faxed a letter telling them the same. Before you know it, they had faxed my HR Dept. requesting information about me. A week later I tried to reach Mr. Sanchez and Jef Booth's office was shut down. They had a recorded message saying if you were calling about a debt to call UniStates Credit Agency and gave a garbled 800 number. I called the number and left a message for Mr. Sanchez. Two weeks later he called me back and said Attorney Booth had retired and the office and all accounts had been taken over by Attorney Jason Head. Well, I know in the past two days I found several mentions about Jason Head being part of the Booth, McKinnon group. Today I left a message for Mr. Sanchez and told him that until further notice, do not process any payments, do not call my place of employment. I have asked for validation of the debt so I know exactly what I owe. I took it one step further and called the credit card company. They have referred me to their loss recovery group which I will call on Monday. Thanks to all for posting their comments. I think this is my second one here today, but it makes me feel better knowing that I'm not alone in this battle against these criminals.

July 2008    Jason Head, PLC, NY     see http://www.budhibbs.com/giove     I was contacted by a Michael Sanchez who initially worked for Jef Booth. This was regarding a charge off credit card debt. I had made arrangement with Mr. Sanchez to pay the debt then I got suspicious. When I tried to call the phone number that he gave me, all of a sudden it had been disconnected. So I called the recorded number which was left and I believe it was UniStates Credit Agency. I had left a message for Mr. Sanchez and he called me back a few days later. Now he works for Jason Head, PLC. He told me that Jef Booth retired and turned all of his accounts over to Jason Head's office. I did pay the first installment of $200 because this guy sent a fax to my HR Department requesting information about me. Mr. Sanchez did acknowledge that they received the $200 payment (which I sent via MoneyGram through Walmart to UniStates). Now they want me to pay $50 every other week. I understand that the debt is legit and it needs to be paid, but I want it to go to the actual creditor not some slime bag. After reading all of the info that you've got posted, I am going to call Mr. Sanchez on Monday and ask for an "itemized" statement of what I owe, how it was calculated, before I send any additional monies. That will give me the opportunity to find the number for the credit card company and speak with them. How do I stop this so-called attorney's office from contacting my employer requesting information about me?

July 2008    Windham Professionals  I get a call from them a few days ago, and the rep that talked to me started off sounding irritated, hostile, and just really irate. He threatened me, and then went on belittling me and educating me about collection agencies and how he handles over an average of 3,000 accounts a day with over 300 different schools. I mean, all I did was ask a few simple questions. He proceeded to threaten me and harass me for about 20 minutes before transferring me to his supervisor who then said that my SS# has a 'red flag' on it and if I wanted to do something about it then fork up the $5k+ to them! YES -- I paid over $1,000 to them thus far. He then asked me if I could get a loan or a credit card. What the hell? I could if I would if I didn't have to deal with them at the end. He then threatened me to give him sensitive information (which I stupidly did, because at that point I was just upset and didn't think clearly). THEY THREATEN, HARASS, BELITTLE, AND MAKE YOU FEEL LIKE NOTHING.

July 2008    Profile Management Inc  operates out of Cheektowaga, NY near Buffalo (what is it about Buffalo and shady collection agencies?). Our attorney general thinks this could be a scam because the address listed is a mail drop tied to a home address even though the Profile Management web site (www.profilemgmt.com) shows a picture of an office building as the alleged location.

Has called us numerous times threatening subpoenas and lawsuits regarding a past debt and has violated just about every law under the Fair Debt Collection Practices Act, including calling us names and leaving specific messages with third parties. The account number it uses in regards to this debt doesn't match what's on the bank statements. Despite being told we dispute the debt, that we will no longer discuss this matter over the phone, and that all communications must be in writing, they continue to call.

They've threatened to have us arrested and to freeze our accounts. I told them to put it in writing. I've put a stop payment on any transaction involving them or their alleged client.

Somewhat amusingly, two of the calls have been from a "Frank Reich" and a "Steve Tasker", both names of former Buffalo Bills players. "Steve Tasker" called today. Guess his job with CBS Sports isn't paying enough.

I've contacted our attorney general's office, which has forwarded our complaint to the Federal Trade Commission. We're also finishing up a complaint form from the New York Attorney General's office.

July 2008    Commercial Recovery Systems, Inc.  Their collector, John Monahan, calls numerous times in a row and during each call threatens to have me arrested for not paying an alleged debt. He refuses to listen to any responses. He violates the FDCPA at every turn. This company is highly disreputable and they do not follow the law.

We had a debt with GM Card/HSBC. They recently sold it to Atlantic Credit & Finance, who has turned it over to the Law Office of John P. Frye. Our balance was $23046, John P Frye offered to settle for $18,748 but we must pay the entire amount now. We applied for a loan and of course, were turned down, due to our credit being ruined. John P. Frye's office told us to borrow from friends or family, which we don't have friends on family who can fork over $18,000. They want us to call them back in two days to see if we've gotten the money. I don't know if we'll be able to get that much. What are our options. They don't seem to want a payment plan, just the large sum. If we had the money, we wouldn't be in this boat in the first place.

July 2008    Ocwen Financial Corporation  I have been trying to get a loan modification through my loan service, Ocwen. I started this process in May and was informed that it would 'take a couple days' to process the modification. I gave Ocwen a couple weeks, did not hear anything and made a follow-up call. I was told that the loan mod department was very busy with all of the modification requests and was behind. I totally understood and gave them another week and called back. Same answer. This was the response I was getting every week until, yesterday, July 7, 2008. I finally made it through to the loan modification department and spoke with a man named Dave. I did not get his last name. He had indicated to me that per the financial information I had submitted, I did not qualify for a modification. I was stunned. I couldn't believe what I was hearing, so I asked that he go through every number with me. We went through all my expenses and my income and it had been concluded that since my husband and I bring home, $9440.43 and my total bills equal $9367.80, we made enough money to be able to handle the payment. My debt-to-income ratio is at 99.2% and it was determined that I make enough to not warrant a loan mod? I was an underwriter for 10-yrs and in all of my years, I have never heard of such a thing. Industry guidelines were anything over 50% on a full income doc deal was trouble and the borrower did not qualify.

I asked to speak to Dave's supervisor and he put on the phone a man by the name of Nong Kumar who claimed to be Dave's supervisor. After a very conflictive conversation with this man, he felt it necessary to make this statement, 'I didn't sign the loan docs, you did.' Excuse me? I told him that comment would get him some heat and explained to him that when I signed those loan documents, I was also making $92,000 a year in salary, which, by the way, is a lot less than the $57,200 I am now making. I lost my job in May of 2007. I was unemployed for five months and had to accept a much lower paying job in October of 2007. Also, during those months I was unemployed, not one late payment.

I will be contacting every single regulatory agency regarding this incident. There is no way Ocwen should be getting away with this. I am happy to see that this company has not changed it practices, even in this time of crisis for many homeowners.

July 2008    McCarthy, Burgess & Wolff  Cleveland, OH  I began receiving threatening and harassing phone calls from this firm in April from a debt of $1000.00 I owed to "Dex" Yellow pages (Ameritech) out of Chicago. First off, when the rep contacted me he did not disclose that he was a "bill collector". He made it appear that he was an attorney and that the company that I owed the funds too had already started legal proceedings. As a matter of fact, I made mention of him being a "lawyer" and he said NOTHING to dispute this. He requested my credit card number over the phone to "pay the debt". I asked him if I could simply contact the company to pay them, and he said absolutely not, I HAD to pay them. I paid half of the debt on my credit card, and three weeks later I received a phone call from this same rep indicating that he was going to "pay the remainder of the debt" on the CC number I had previously given him. He left this message on my office VM. I called him immediately and told him that I absolutely would NOT authorize this. Here's where he starting becoming unbelievably belligerent. I was told that he was going to report me to all credit agencies, that my credit would be ruined by this, and that I hope I "enjoyed paying a 28% interest rate on my credit cards".

In the meantime, I received an INVOICE from Ameritech Yellow pages for the balance due. I told the rep (Mark Blackwell) that I was going to simply send them the payments. He again became furious and started threatening me with a lawsuit and ruined credit. I told him that I no longer wanted to receive phone calls from him at my office. If he wished to contact me, he would have to mail me or have Ameritech mail me invoices.

I started receiving threatening and harassing letters to my home address, upsetting my wife extremely. I sent a response letter indicating that I would be sending Ameritech monthly payments until I could afford to pay off the entire balance.

I again received an unbelievably rude, harassing, and threatening voice mail from Mr. Blackwell, again threatening adverse action against my credit, and a possible lawsuit. I asked for a supervisor to contact me, but quite frankly he was no better. I asked him to simply treat me with a little respect, at which he responded "we only respect the checkbook". When I told him I would send him $50.00 a month he responded "not good enough" and hung up on me.

I cannot believe how these people have treated me. I'm pretty thick skinned, but they really have me rattled. I DID send a certified "verification of debt" letter today, and asked I NO LONGER be contacted by phone by these leeches.

July 2008    Williams & Fudge   They deal with student loans and other debts. No respect at all for collection privacy laws. Call my house several times daily. If I am not at home they ask my relatives for personal information like my cell phone number, where I work, my work phone number. I told my relatives to hang up on them and tell them nothing. "SOUTH CAROLINA" is what shows up in the caller ID box when they call. A rep named "Crystal" is annoying and deceptive, the first time she called I asked 4 times if she was a collection agent before she admitted it. They pretend to be lawyers. I am gonna send the Cease letter because they are really annoying.

July 2008    Rauch-Milliken International     Rauch Milliken is a friendly group of people from Metairie, Lousiana. During their correspondence with me, they have sent letters threatening to send private investigators to my house, my work, and also to follow me around town and seize anything they can to pay a bill I do not owe. When I attempted to discuss the issues I have with the original creditor, namely my recession right under Oklahoma contract law, which I did exercise to the letter, they refused to acknowledge that I even existed. Their position was simple. I would pay them $2,700 or they would come and beat me down for the money. When I stood up to them and told them I would be more than happy to serve them with a restraining order, they backed down quickly. Now, I'm just waiting for some sneaky move like suing me without ever notifying me I was sued.

June 2008 UNITED PROCESSING INC.  JACKSONVILLE, FL

WATERS, LISA  101 CENTRY 21 DRIVE #107  JACKSONVILLE, FL 32216 US
IVAN, CARMEN  12995 SILVER SPRINGS DRIVE N  JACKSONVILLE, FL 32246

SWICK, CYNTHIA  2527 TREEMONT ST  City-St-Zip: JACKSONVILLE, FL 32207

This company is in serious violation of the Fair Debt Collections Act, and uses EXTREME scare tactics; they misrepresent themselves as a "process server" or legal institution. They claim to be "on the phone with/ representing the state attorney's office". They threaten the debtor with felony charges and arrest. They have access to software that allows them to bring up a background on the debtor that gives them the names of relatives/ contacts as well as current employer. They will contact ALL relatives, employers, etc. associated with the debtor, telling them that the debtor is a felon with charges pending to be executed against them!

June 2008  Financial Accounts Services Team  The name, address and phone number of a VERY SLIMY collection agency who thinks they can go into people's bank accounts and arbitrarily remove funds when they feel like it:

Financial Accounts Services Team, Inc.   8300 Kingston Pike   Knoxville, TN 37919
Tel 865-693-7660   Fax 865-690-6777

I admittedly owed a debt and made an arrangement with these people (trying to do the right thing) -- STUPIDLY giving them my debit card number -- to take pre-arranged amounts out of my account on the 30th of each month until the debt was paid off. They took the first payment as agreed; but then took another $102 payment on the 19th of June instead of the 30th. They have caused me over $230 in NSF fees with my bank. When I saw what happened I called them up and spoke with one "Melvin Wright" who is supposed to be the collections manager. When I told him what happened and that I had things going every which way in my bank account, he stated that they would take care of any charges incurred as a result of them taking it out early. He admitted that a mistake had been made and promised to correct it and asked me to fax them a copy of my bank records showing the charges and that they would take care of it. After receiving the print out he stated "We aren't going to pay any of this. You will have to contact your bank to get them to help you with it." I was incredulous, and stated, "YOU are the ones who CAUSED the overdrafts and you're telling me you're not going to take care of your responsibilities?!" He repeated that they would not pay me anything. I told him that I would be contacting the client who hired them (Kroger's Supermarket) and would be reporting them. He told me to go right ahead. What a bunch of criminals. I have cancelled my debit card and there is a watch on my account. What can I do? My bank, of course, refuses to eat any of the charges (and why should they? It wasn't their fault) and these people need to pay for what they have done. I have also reported them to Kroger's who - to their credit -- appears to be taking my complaint seriously. Is there anything I can do aside from what I'm doing?

June 2008    Northland Group Inc  There's lots of complaints about collection agency NORTHLAND GROUP INC based in Edina MN. Please note NGI was recently acquired (April 2008) by Wisconsin-based private equity investment group MASON WELLS. See northlandgroup dot com and masonwells dot com . We too have several run-ins with NGI where we've both DV and CC NGI in timely manner but NGI fails to validate and NGI continues to phone ... return phone calls to them about this yield only moronic abuse. Please add NGI to your list of undesirables. I'm in South Carolina.

June 2008   MCT Group    Never heard of them until they filed suit against me in San Diego. I have not lived in San Diego since 2002.   Did some research on the court file and they claim I was served at a restaurant there. Funny, because I live in Miami now... found 26 other people who all had "service" at places they don't live or work at.

Further research shows they are owned/controlled and represented by Robert Susnow, attorney from Beverly Hills.

I'll be heading to San Diego soon to take care of business, but he's been real busy in Southern California.

June 2008   UB Collections is one of those nasty phone numbers that crops up in everyone's caller ID. I found out about them because they called my mother and when they could not get her, called all of her neighbors looking for anyone they could find. I called the number, told them that calling everyone in town was both unprofessional, told them to stop, and asked for their address. They responded by asking why I wanted their address. I told them to send a cease and desist letter. The little worm would not give me the company's mailing address. Instead, he said I would have to find where to send my letter on my own. In the meantime, they continue to call everyone in the telephone book, but I have vowed that I will find them and find how to get a cease and desist letter into their office.

June 2008   Professional Credit Services  My son (37) had several notices from this Debt buyer about a 2001 US Bank debt for $2700. He answered every request and denied the validity asking for proof of claim. The collection company through its attorney Wanderer Law in Las Vegas sat on the claim until 1 week before the statute of limitations would expire then filed suit in Washoe County Court in Reno NV. Every motion was answered as required by law and each of those motions asked for a hearing before the judge to dispute the action. Needless to say he never got his day in Court, the judge just issued a summary judgment for $6000 + which he paid but disagreed with. So this shows you that the Courts are useless in standing up for the individuals rights and that conspiracy exists at all level of the justice system. It's nothing more than legalized loan sharking and the irony is that they don't even know the facts of the debt. Whose is worse the Mafia or Debt buyers (RICO) - spit spit.

June 2008    Pioneer Credit Recovery  Pioneer Credit keeps calling my house and asking for my Holly (my 11 year old daughter) When we advise them that she is a minor and ask what it is regarding, they refuse to tell us saying that the need her "permission" to speak to us. How can an 11 year old grant permission, let alone have a debt that needs to be collected?

June 2008    Dominion Law Associates, Virginia Beach, VA    I noticed some people asking about this company, including one of the online help forums. I came upon it by mistake as an employee has an internet site with her employer listed.  Dominion Law Associates AKA pendercoward.com  Go to that site and look up the attorney profiles and look for the name David L. Horne.

You will find that he is president of Dominion Law Associates. They are running multiple companies under the name of pendercoward.com 

June 2008   Yellin & Goldner   I was originally contacted by Yellin & Goldner and lists their counsel as Mitchell N. Kay. I called the number provided to me by Yellin & Goldner (617) 964-0987, which is a Massachusetts phone number. To my surprise it said the Law Offices of Mitchell N. Kay. I looked up his name with the MA BBO and he is not an attorney in Massachusetts. He isn't an attorney in Washington D.C. as the letter stated and M.N.K.'s license expires in New York this year if he doesn't renew it.

I also noticed that the letters from Yellin & Goldner have a statement that says this information has not been reviewed by an attorney. I also noticed that the letters where sent from Royal Oak Michigan. I find it odd that an attorney only 60 miles from me would have his mail sent from that far away.

Now today after the phone calls from Mitchell N. Kay have stopped and the letters from Yellin & Goldner have stopped I am getting recorded messages on my answering machine from Plaza Associates AKA Mitchell N. Kay. I said it from day one that the letters where from plaza but was unsure and now I know.

I am wondering what laws have been broken if in fact Plaza used Yellin & Goldner attorney letter head to get me into paying something when Yellin & Goldner has no idea what is going on.

June 2008   Dominion Law Associates, Virginia Beach    I was sent a warrant to go to court from this company for a total of $219.00 owed. I called today and asked about what it was that I owed. Apparently this is due to a $35.00 check that bounced. (my mistake.) The $219.00 consists of $35.00 for the payment, $38.00 NSF fee, $105.00 civil penalties, and $41.00 court fee. Is this correct--can they fine me civil penalties or can I argue this? The person I talked to on the phone also said that I cannot avoid going to court unless I pay the full amount. From what I've read on this website that is not necessarily true but I am not certain.

June 2008   Solomon and Solomon PC  5 Columbia Circle Albany New York 12203  These low lifes are trying to collect on a bogus debt that I simply don't owe. They continue to contact me even after the first dispute letter was sent. Please list them here Bud as I believe they are new to this sleazy game. Let's stop them early in their slimy career!

June 2008    Diversified Consultants, Florida   Here's a group that might need to be watched. Received a voice-message from a Charles at 800-771-5361 ext. 1248 advising that there was a timely matter that my daughter may or may not be aware of and that she needed to call back immediately to take care of this timely matter.

He did not identify the company he was with or calling or, did not identify himself as a debt collector, and was pretty vague about the "timely matter"

My daughter does not live with me nor am I her answering service. I believe I heard at least two Fair Credit violations in his message by not identifying his company or telling me it was a collection call. After doing some goggling on his 800 number discovered it is Diversified Consultants, a group of collectors out of Florida with a reputation of not following the federal collection consumer laws.

June 2008   Windham Professionals, Salem NH  Perhaps you should be looking into this agency and those who run it. Chuck Harper, Terry Scott and Scott Swonger. This company is expanding all over the place. Tennessee, Las Vegas, Worcester Mass and the home office Salem NH ....with expansion plans. The collectors only do what management forces them to do as well as allows them to do. Do not be fooled the problems start and end with these Gentlemen. They are con men who are making this collection agency bad!

June 2008    Allegiance One  Please do something about these hellions.  The reason I got behind was because I was out of work and nobody would listen to me.  I tried keeping up, I been playing catch up with all of my creditors.

June 2008     National Asset Recovery (NARS) Jefferson, MO  I have been contacted by Applied Bank regarding a credit card account. I disputed the account with them because at the time, I believed it was in error.  I never heard back from them.

I was recently contacted by National Asset Recovery (NARS) in Jefferson, MO, regarding this. I disputed this with them. I sent a dispute letter via certified mail. I finally received a response from them about 60 days after they signed for the dispute letter.

These clowns at NARS took 60 days to respond to me, in a way they may have helped me, however they call and call and call and leave obnoxious messages on my phone.

June 2008   Empire Collection Authorities, Inc   I am just wondering if anyone has had an experience with Empire Collection Authorities, Inc. I have been getting phone calls from them, (I haven't answered them). I did a little research and cannot find anywhere that they are licensed to do business in my home state of Massachusetts. They have never sent me anything in writing as to what particular debt this is regarding.

Empire Collection Authorities, Inc.
5619 Lankershim Blvd. Ste. 117
North Hollywood, CA 91601-1723
Phone: (818) 980-2400   Fax: (818) 980-2409

June 2008   Richard J Boudreau   This collection agency began calling me at work. When told it was a work number and asked to stop calling, the person laughed and said "No, I'll keep calling until you pay". I told him it was against the law, and his reply was "No, it's not". They are not to be trusted.

May 2008   Pinnacle Financial Group   Pinnacle Financial Group is calling about a charged off Lane Bryant credit card of about $400.00. I told them we didn't have the $400 , they offered a settlement of about half , I told them I'll talk it over with the wife and get back to them. I later called back and told them I'll take the offer but with a few conditions, 1st, I want it in writing on company letterhead, 2nd, the payment will be made only with money orders, 3rd , It will be split up into two monthly payments. Needless to say they didn't like the deal , they said that they needed a checking account or credit card to secure the payments or a money order for the full amount of $400 , needless to say I told them I'm not giving out any bank information , then they tried to trick me into giving out bank info by saying that I give out that info when I make my truck payment and that they are an honest company and don't take more then what is owed , again I told them I'm not giving out bank information. I was told the deal was no longer valid , she was marking my account as a refusal to pay and that further action may follow.

May 2008   Roquemore and Roquemore   Roquemore and Roquemore called and threatened to send people to knock on my door at all hours of the night because they were looking for my brother in law. His mother's car was up for repossession, and they thought he might know something about it. In the process, they called people like myself that have nothing to do with any of it. They skip trace names of people that are not involved in any way, and they are not allowed to do that.

May 2008   J C Christenson and Associates

I received a call from a female (wouldn't provide a real or made up name) debt collector from this agency today. She told me the name of the company and that it was a debt collection agency- a very snotty tone of voice. She then told me how much the debt was for and that I needed to pay it immediately or it was going to go straight to the legal department and a judgment would be placed on my account! I told her that I was currently unemployed and unable to make a payment at this time, but that I could and would pay her on June 17th, 2008 (today is May 28th). She told me that wasn't good enough, and that a payment is not good enough either, it must be paid in full! Now, I know that is not true; by law they have to accept any amount of payment that you are willing to send them and they have to show that amount was paid on your account.

She then went on to ask how I pay any of my bills then, or am I just so lazy that everything goes to collection? Do I have parents? Have your parents pay the debt. I told her that they couldn't pay this debt right now either. She said, well then don't be surprised when a uniformed officer shows up at your door to take you to jail.

My mother works as a collection agent; I know they cannot legally behave this way. She didn't even read me the mini Miranda!  These so called "professionals" were anything but professional in dealing with me!

May 2008   I C Systems

I.C. systems has been showing up on my caller ID for the past six months. I've never been home when they call and they do not leave messages. I recently found out what the calls are for; it's an 3-year old dentist bill for $240 that I had paid down from $700 directly to the dentist. My husband and I both were laid off from work around the same time and the roof over our heads became more important payment priorities.

Now that I'm able to pay it in full I read on the budhibbs site not to pay them with a credit/debit card or by checking account. How do I pay it then? I've also read on many other complaint sites that the I.C. Systems people ask for social security numbers as soon as you get on the phone with them. Do I have to give my S.S. to them to pay the bill? Can't I just verify my identity with address and phone number, even the account number from the dentist?

I also will need a receipt of some kind that the debt is paid in full; do you think I will have problems obtaining such a thing? My credit union is asking for proof that has to come from I.C. systems that the bill has been paid and then we can proceed on a refinancing of our mortgage.

May 2008   Nelson, Watson & Associates, LLC

Alex Falcon from Nelson, Watson & Associates has called me and yelled at me, that I'm wasting his time. He said I will have my wages garnished beginning on Monday next week, for my debt. He called my mother-in-law and told her I am in a "dire situation" with an attorney. He called my parents and said that I "am aware of the dire situation and I am not cooperating, so, if I don't call Alex back, they will proceed with a judgment and garnishment.

May 2008   Jormandy LLC

May want to check out Jormandy LLC -- rude/threatening and other violations of the FDCPA...

Also, another response to the All Agencies Everywhere comment:

I would not be so quick to pass judgment on people about personal responsibility. There are plenty of people out there who are responsible who because of unfortunate circumstances in their lives just cannot pay their bills. They made the "right" decisions -- they did the "right" things -- but life happened to them.

As well, are we to just sit back and take the abuse from collection agencies who violate every state and federal law with impunity? Let's just face the facts here -- the debt collection industry is fully out of control. For every CA that abides by the law there are probably 10 (or more) that don't. If you want to talk about responsibility -- what about the ethical responsibility that these companies have towards obeying the law?

You want to talk about paying your bills -- take for instance a company such as Asset Acceptance, who earlier this year went into technical default on a loan (in the millions.) Although, because of a bit of wheeling and dealing behind the scenes -- they were able "keep the doors open" with only a slight interest rate increase. I can guarantee you that no average citizen would have been able to accomplish this feat -- let alone with a slight increase in interest! Yet a default is a default -- and in the case of Asset Acceptance -- they got away with it. Which, if you happened to be one of the unfortunate who Asset is trying to collect from -- I can assure you that at minimum that a hefty increase in interest would be the least of your worries...

May 2008   Alternative Revenue Systems 14707 E 2nd Ave  Aurora, CO 80011  1 303-366-5275

This agent is rude refuses to tell us his name and sewer served us, denying us a way to defend ourselves in court. The names we have for the head of this agency are fictitious. We have contacted the BBB and the state attorney. Why can agents like this completely violate the law? We made a mistake but our punishment is to be robbed, with the sanction of our own court system. Robbed by an abusive charlatan using an assumed name. We have been denied due process! Please find out the name of the owner-if you can.

May 2008 Response to  "All Agencies Everywhere"  April 2008

I believe the majority of the people who consult this site are genuinely interested in paying their bills. If the bill is fair, I say work out a payment plan.

However, what collectors are doing is taking advantage of people. Interest rates are insanely high. Collectors harass, harangue and bully people. Also, they add interest on interest and additional charges.

With the way the economy is, people are doing the best to survive. I saw a post on a similar site where some collector was trying to extort (that's what it is extortion) $11000 for a $2000 debt that was almost 20 years old.

The courts are jammed with cases like this. Just because a collection service has a piece of paper that says a debt is owed and no corroborating evidence. These collection agencies fabricate documents, make up charges and file lawsuits day in and day out. Do they have the right to collect, probably not. It wouldn't surprise me if some of these bottom feeders send out summons' saying someone is indebted to Santa Claus.

There is no middle class anymore. Those who are in the traditional middle class are falling thru the cracks and they are the ones who are making an effort to pay. The main problem, I think, is the insane interest rates.

May 2008 Pentagroup Financial

I just got a call from Pentagroup Financial stating they were representing Washington Mutual Credit Card. The first girl I talked to was very nice and stated the information to me about my address and account. They said they could offer me a 30% reduction based on a hardship from where my husband had lost his job. She then put me on the phone with the account manager who was very rude. She demanded payment over the phone. I requested that they send me letter stating who they were and who they were representing and the amount owed. She stated that a letter was sent to me on May 6th 2008. I never received this letter and I informed her that I had no idea who Pentagroup was until just now while speaking with her. She wanted $200 from me by the 29th of this month. I asked her to mail me a letter first. Then she got snippy and said that there was no way I would get the letter and have payment to them by the 29th. I again told her that I would not do a payment over the phone and to please send me a letter. She then said that she would inform her client that I am refusing the reduction and refusing to pay. I told her to inform her client that I was not refusing to pay on my debt and that I would like a letter stating the facts and that I would gladly send a payment in. She began to raise her voice at me, so I cut her off and informed her to send me a letter and that I was not going to argue with her anymore and I hung up. Needless to say I got an instant anxiety attack. These people called my brother-in-law and demanded I call them within two hours but neglected to say who they were. It's people like this that make me not want to answer the phone. My family is doing the best we can to get caught up on our debt. She even asked the stimulus payment. That money was taken for a federal debt. I am tapped out, financial and mentally.

May 2008  Paul Law Offices, Salt Lake City

I received a call from 866/507/5050 or 801-466-2130 today . A man stating his name as Chris Jones was calling to inform me of a lawsuit being brought against me by the Tracy Law firm of Utah. Curious because my number is unlisted and he used my maiden name and only after further conversation- he knew my married name and last 4 social digits! This scared me. It has to do with an old Providian Visa account of which I had forgotten about and which hadn't had payments on since 2002. In NC the statutes on a written account are three years, I believe. Now these people have my private home number and I am afraid of the harassing calls now. I googled the name and got info that this is a scam and was directed to this website. What are my rights and how do I fight these people. We do not pay third party people and will only pay the people that we owe directly which we can't do now that the account has been purchased. 

May 2008  Professional Recovery Associates, Inc.

Professional Recovery Associates, Inc., which sometimes inappropriately (and unlawfully) refers to itself as "PRA," is a mom-and-pop collection agency that rents an office in a small building owned by a lawyer in Levittown, New York. The company consists of Steven Castaldo, the CEO, who looks like a rodent and conducts his business and private affairs with about as much integrity as one; his wife, Cathy Castaldo, who suffers from some sort of weird arthritis that causes her to use her hands like lobster claws, and who comes in part-time to do some minor clerical work; three barely-English-speaking, intellectually challenged foreign women; and a 500-pound smelly man named Peter Sforza, who has one bowel movement per hour. This company specializes in medical collections and has no regard for the FDCPA, HIPAA, or any other laws. They routinely fail to validate disputed debts and continue to contact consumers who have properly disputed their debts. They also attempt to collect debts that they are prohibited from collecting by law, such as debts owed by Medicare and Medicaid recipients, and debts properly payable by insurance carriers. This company would rather pay for an FDCPA violation by writing a check than to have to hire a lawyer and go to court over it.

 A sufficient threat of litigation is all it takes to get Professional Recovery Associates, Inc., to write you a check. This company also routinely fails to remit collected moneys to its clients. They're so bad that they recently lost a major client because they couldn't pass a simple risk audit, mostly because they're too cheap to even maintain a basic errors and omissions insurance policy. If these people try to collect a debt from you, dispute it in writing pursuant to the FDCPA. When they call you again--and they will--have an attorney threaten them with litigation. They'll buckle and write you a check. It's a great way to make a couple of fast bucks at the expense of a shady and crooked collection agency that probably won't be around much longer.

May 2008  Sunrise Credit

Sunrise Credit first contacted me in regards to a debt they alleged I owed to U.S. Bank and Arrowood Indemnity. I immediately sent a Demand to Validate letter back in November 2007. In April they responded with a copy of the retail contract. The first time I have ever seen the contract.

The company on the contract is Student Loan Corporation in Delaware. A company that committed wholesale fraud. A fact that arrowwood asserted in federal court when they tried to get out of paying billions in insurance claims, since they wrote policies that strictly prohibited fraud from being a voidable action.

Sunrise credit threatens legal action. They refuse to show accounting for the aging of debt, which to my recollection has a DOLA of 10/2004. If, as the contract asserts, it is governed by the laws of Delaware, that puts it beyond the Statute of Limitations. Though Sunrise asserts the DOLA at 2006.  I am beating my head against the wall in dealing with them.

May 2008  General Audit Corporation  Jeffery G Williams  Fawcett Collections  Lima, OH

I have listed all three because there is some connection, however, GAC may be getting somewhat of a bad rap just because of its association with the other two.

General Audit does collections for many clients (primarily St Rita's Hospital in Lima, OH) and is generally professional. Fawcett Collections is a bottom feeder and Jeffery Williams is an outright thief -- but an impossible to stop thief. Part of the culpability also belongs to St. Rita's.

I had direct experience with these agencies due to  improper actions by the hospital. Three years following a divorce, my ex-wife took her son (born after our divorce) to St Rita's for an emergency visit. When she gave her name, St Rita's automatically filled in insurance information for her from when we were married. St Rita's then sent the bill to my insurance carrier (former carrier at that time) and it was declined for payment. St Rita's then turned it over to General Audit. GA contacted me and asked me to pay. Once I got the details and explained it to them, they stopped and sent it to Fawcett Collections. I received one call from Fawcett (Jeffery G. Williams) and he threw out every threat in the book -- destroy your credit, have you arrested, etc. I hung up on him. Six months later I found a judgment against me on my credit report from Jeffery G. Williams for just over $4000 (the original bill from St Rita's was $268). I got the original bill from St. Rita's, with date of service, got a copy of my divorce decree, showing the service was years after my divorce and the child in question was not one I was required to carry insurance on. I went to Jeffery G. Williams's office and presented these to him. His response was "You are right, this is not your debt. Hire a lawyer and sue me, that'll cost you at least $1000, and if you win, I'll just file another judgment and we can do this again. The statute of Limitations in Ohio is 15 years so we can play this game for a long time." Then he said "Just pay me $3000 and I'll get it off your credit report." I explained to him that I was not planning to pay a debt even he agreed was not mine and his response was "I don't care, you'll pay me now or you'll pay three times as much in fees and costs." He's a snake.

I mentioned earlier he's a thief, but an impossible to stop thief -- I'll explain that. Lima, OH is a relatively small town with just a handful of influential families. Relatives in key places allow some people to get away with just about anything. Local Magistrate (Williams family), local Sheriff (Williams family), Executive Management at St Rita's (largest employer in the area -- Williams family. Civic groups (Lions, Eagles, Elks, Rotary, Optimists -- Williams, Williams, Williams), Chamber of Commerce (Williams). Jeffery G. Williams is a snake -- and a well protected snake. If you ever find yourself in Lima, OH and need medical care -- keep driving. Honest practitioners are available near enough without exposing yourself to St. Rita's/Jeffery G. Williams/Fawcett Collections.

May 2008  General Audit Corporation

General Audit Corporation aka Revenue Management Group aka KeyBridge Medical Revenue Management. Debt Collectors for regional hospitals and medical offices in Western Ohio. Lawyer Jeffery G. Williams at same address sues without notice.

May 2008  FMS Services   This is regarding the post "April 2008 FMS".

I too received a collection letter from FMS Services, which had "been referred to FMS Services (FMS) by PALISADES COLLECTION LLC."

Here is part of what the letter contained: "Use Your Tax Refund To Pay Off This Debt!" (all underlined)
"You Are Eligible For A Special Compromise Settlement!" (again all underlined) "FMS, on behalf of PALISADES COLLECTION LLC, will accept a significantly reduced amount as full and final settlement on the debt listed above. This reduction may save you hundreds of dollars and could be as high as 45 percent based on the type, age, and balance of the debt." I am sending them a validation & P.o.C. letter today. Let's see what happens...

FYI- FMS Services is out of Schaumburg, Illinois. Balaji Rajan is the President and CEO. Here is their website: http://www.fmsdc.com/default.aspx

May 2008  First National Collection Bureau, Inc  Sparks, Nevada

I received a letter postmarked CA. But when I opened it it was from First National Collection Bureau, Inc in Sparks, NV. They said they were collecting a debt for Spirit of America, Inc/Fashion Bug. I have not had a card from Fashion Bug in over 7 or 8 years. I had financial difficulty in 1999. I went to an attorney. I paid whatever I could. I have not had any type of a credit card in 9 years. The time limit on collecting this debt is over in our state of WI. It says they have a settlement of 60% off the debt. I should send it to another company FNCB Inc. The weird thing about it -it says you can pay via a credit card. But if you do they will charge you a transaction fee of $5.00 per $150.00 of the settlement if you pay by MC or Visa. If you pay by American Express it goes up to $7.00 per $150.00. Have never seen this before have you? I learned the hard way about paying for a debt accepting a settlement and not contacting an attorney first. I paid several accts off that way not knowing the difference you didn't pay would be reported to the IRS and it would be added to your income. I wish I had known about you years ago. I wouldn't have had to go thru so much harassment from collection people. It is bad enough when you aren't able to pay a debt- and then have harassment by them is unbearable. I had phone calls to relatives, work, phone calls at midnight, rude, nasty collection people on the phone who would just cut me down mercilessly and demand money I didn't have. Sometimes they would call many times a day. Believe me if I would have had the money at the time I would have paid my bills. Unemployment can put a terrible toll on the household. I didn't know I had certain rights pertaining to this matter. I was very lucky to get an attorney who was very nice. She helped me out and let me know about my rights. She told me not to get too upset when I would get a letter threatening to sue me if I didn't pay up. I took her advice and calmed down. She told me let them try to sue you.

May 2008  Credit Bureau of the South, Shreveport, LA

I received a correspondence form from this place alleging I owed a very small debt. I replied within 30 days asking for Validation of this and asking them to cease contact with me. They never replied nor Validated this amount. Now I received another copied form letter from them advising me that they had instructed their attorney to recover the amount due via Legal Means and the alleged debt was under Litigation review by their their on staff attorney, David G Moore, and signed David G Moore, Attorney at Law. This was even a poor copy. This letter advised me the amount in question would be 5 or 6 times more when he filed suit. I did a little checking up on them both.

Credit Bureau of the South is owned by one Gregory Juneau. Their location listed as 600 Common St appears to be in the center of a parking lot. It's actually a hard core collection agency and not really a Credit Reporting Bureau at all. They have a website. www.creditbureausouth.com   The real Credit Bureau here is The Credit Bureau of Greater Shreveport. David G Moore is listed in the yellow pages as a Criminal Lawyer, sole practioner, and has an office across town. I checked with the Louisiana State Bar Association and their database doesn't list a David G Moore as being a member. Hmmn.  I can't imagine a Lawyer allowing someone like these people to rent his name and Law license to intimidate people as if they are Attorneys. There are several violations of the FDCPA here.  I've seen other complaints about this outfit but it hasn't made it to your list yet. They should. It seems this is just another Cheesy Collection Agency violating the Law, and posing as an Attorney and Credit Bureau.

May 2008  Ross & Newman

Adam Ross, of Ross & Newman, 918 Jericho Turnpike, Suite 10 Huntington Station, NY (866) 930-3060 says he is a lawyer retained by Providian Credit card/WAMU. I got a call from an unlisted number on my cell phone. They left a message asking I am being sued, and will be served tomorrow morning. They left the above phone number and said to call.
Adam Ross said he is a lawyer, and his company does not place calls. He was very rude to start with. He said he could follow up and find out who called and left the voice mail. About a minute later he came back on the line, and said some guy (sorry didn't write that name down) from his service department was calling to confirm the address where I will be served in (my county) tomorrow at noon. He then told me he was looking at my credit report...which I believe is true...and after some conversation about the long out of date debt offered to call "his client" to see if he could work something out to avoid court. He was back on the line very quickly, and had dramatically reduced the debt by thousands of dollars if I would give him a credit card number, or bank account number, or those of somebody else I knew to show that I could pay it. I asked him to send me an email. The email was unprofessional, from somebody named Tina Moloy in the "payment Department". I think I'd rather wait for the process server, this is too weird at this point.

May 2008  A Collector Speaks

 I'm a bill collector. And believe it or not, many of us read your site and the comments here. Even though I'm a collector, I've been in debt. I know what it's like to be on the other end of calls. I know the feeling of dread and despair.  Contacting consumers to (hopefully) arrange payment of a debt is a valid job. And, as a single parent, it's all I have. But I approach my job as trying to help people, not hurt them.

I have had to sit back and watch non-compliant collectors get away with horrible actions. They get a slap on the wrist by the management. Nothing happens to them. And when I say non-compliant, I mean collectors who refer to themselves as attorneys (they are NOT), para-legals (they are not). I have listened to collectors leave messages that are so illegal that I am now resorting to reporting them myself, bypassing management.

I'm sick to my stomach. I need my job. But my company is protecting these collectors. We are in jeopardy now of loosing the client I work for because of a couple of collectors, and nothing is being done.

My personal estimate is that 95% of the people in debt I talk to are good people with bad circumstances... not "bad" people. Yes, there are, very honestly, people who run up debt and try to scam the system and not pay. But most are folks like you and me and most are simply working people. I treat people with the respect and care I'd treat my family.

I need my job, I really do. But I feel like I'm working for a disgusting bunch of thieves. And I don't know what to do.

Believe it or not, there are decent agencies out there, and some of them are even in Buffalo,  Hang in there.

May 2008  Burgess Law Firm -  updates at http://www.budhibbs.com/giove I started receiving calls from Burgess Law Firm about two years ago regarding a debt belonging to my father. I am use to this because my father and I have the same name. The calls from Burgess Law became more frequent. After explaining to them I was not the person they were trying to reach they demanded contact information for my parents and told me that I would be party to a fraud investigation because they had recordings of me saying I knew how to contact them but refused to divulge the information. I explained to them that if there was indeed fraud I would be happy to talk to what ever law enforcement agency was handling this case and I would give them any information they need.

It was at this point the calls became more harassing. I was told they believe I AM the person they are trying to reach and if payment is not made immediately I would be arrested within 72 hours. This particular call ended with they guy screaming into the phone PAY YOUR BILLS YOU DEADBEAT.

Later that same week they called, My 14 year old son answered and told them I was not home. They wanted him to give them my cell phone number and when he refused they said if they could not reach me about this debt I would be arrested. They also told him if I get arrested it would be his fault because he would not give them my cell number. Needless to say I was furious. I never pursued the matter although now after reading this site I should.
They still call every once in a while but I usually just tell them they have the wrong person and hang up.

April 2008  Law offices of Stephen R Kopolow P.C

GE Money Bank charged off the balance. Their client is CACH LLc and yet when I called GE M B they said Arrow Financial bought the charged off. Never heard of either company or received any notification of this collection until last Friday when the collector called he never gave the name of the company he worked for, just said he represented GE Money Bank and wanted to settle on a balance. I said I could not pay the amount he requested and I told him that was not accurate. He then gave me the phone over to Stephen Kopolow. He really put on the pressure to pay right then an there. He said that he knew I had two credit cards that could hold the amount due. I told he I would not do that and that the credit card accounts were not mind, I was just authorized to give and pay on the accounts. He got very upset with me and said that he would report to his client that I was unwilling to take care of this account. Then they wanted me to post date a check and give them the information over the phone. I refused and he got angry. My the time I was through talking, which I hung up on him, I was in tears. He said he knew everything about me, and my accounts I have, that I was self employed, etc. My husband has been unemployed since Oct 2006, and I was taking care of my mother (who just passed away) and I really didn't care about talking to him about this. (He didn't care either. Approx 10 minute after this conversation the first man called back and apologized on his behalf. I felt like I was played between nice guy bad guy. I told him that too. Three days later I got a phone call from an attorney who says he represents this firm. I was not home but that was the message he left with the person answering my calls. I told him I received his letter on Monday and I would respond to it. He got angry.

IC Systems  April 2008

IC Systems was contacting me regarding a credit card account that I have past due. I have been on disability leave unable to pay any bills for a few months. They called my parents' house and never even tried my number. When I called them about it they said they didn't have my number, even though the credit card company had it. The guy wouldn't give me his name nor did he make any disclaimer about attempting to collect a debt. When I said I couldn't pay I got hung up on. I called back and told the lady, who also wouldn't give me her name, not to call my parents' house, and she said she had every right and hung up on me.

IC Systems  April 2008

I am receiving calls from a debt collector on two of my phone lines for someone with the same last name different first name they call 16 times a day 7 am to 8 pm. I told them they have the wrong number please stop calling me. They are looking for my husbands brother, I'm not giving an inch, they can go fish. They start asking me questions such as... Well where is he? MY answer is Stop calling me you have the wrong number. Now they call like they are this persons best friend. Hi is john There? nooo you have the wrong number again. So I threatened to call the police and the FCC it turned into a screaming match. they keep calling and asking for their friend john. This site shows how many problems people have with them. Please add them to your list and if you have any advice I would appreciate it. http://www.complaintsboard.com/complaints/ic-systems-inc-c8579.html

April 2008  Reed, Ryan & Reed, Inc.  (also dba Rawlins and Rivera, Rawlins & Rivera, Inc.)    

Here is Contact info on them   RRI: 1511 Kastner Place, Sanford, FL 32771 Phone to Office 888-239-7139

Or: Mr. Harris 800 722 2473 Tom Graham 888-239-7139
fax  at 888-239-7139
Their Lawyer or partner Robert W. Bird, P.A.
801 International Pkwy.
Suite 500
Lake Mary, FL 32746
Phone: 407-562-1891
Fax: 407-650-2729
Email: rbirdlaw@earthlink.net

I hired these dirt bags to collect bail money owed to me. Now that they have the files they treat me worse then they treat the debtors. They yell and swear at the debtors, which I do not approve of as they are my still clients, I just need to have my outstanding invoices managed.

When I called them to ask them not to be so rude and abusive to my clients they told to Shut the F---- up and mind my own business.

Nice huh? Well then I got a letter from the Lawyer Robert Bird telling me I am interfering with them. Imagine that, then this month they shorted me $2,900.00.

So Monday I will be at the Attorney Generals Office, the Sheriff's Office and Filing suite in Court and calling the FTC.

April 2008  United States Collection Agency  -

I have been receiving calls from McKelvey Law Firm about a debt from 2005 that I have no idea about. I have requested proof of this loan that they say I had and never paid back. after repeated request they finally sent a very lame document with the name of Unistates Credit Agency 2908 Wehrle Drive Ste.1 Williamsville, NY 14221. It also references the McKelvey Law Offices 4226 Ridge Lea Rd, Ste.1 Amherst, NY 14226. The letter is signed by Jack Sortino.

I sent an email response back to Michelle Crouse. She is the one that emailed me this letter saying I owed this money. In my response I informed them they had violated several of my rights under the FDCPA. First of all they called my house and left several messages. When my wife heard a message from a law firm she called the number back. They then proceed to tell her all about this debt that I supposedly owe. If this was a legitimate company they never would have discussed this with anyone but me. In my email I also stated that if they did not drop this matter I would contact the New York State Attorney Grievance Committee 8th Judicial District, the FTC and my state Attorney General.

Michelle Crouse emailed me back stating that they would cease and desist and that she would be forwarding the email to the attorney. Hopefully this is the last I hear from them.

Thank you for your website. I was able to find out the truth about the McKelvey Law Firm before I sent them any money. This whole deal seemed fishy. Also after doing more research I have come across Jack Sortino's name as well. Hopefully this group of thugs will get what is coming to them!

April 2008  FMS

Has anyone had any dealings with FMS out of Illinois? They have now purchased an old debt of mine from Palisades and I fell into their trap when they contacted me. I should have not answered but I did and confirmed my last four digits of my SSN. I know that was the wrong thing to do. Haven't heard anything else from them since Saturday . Their phone nbr is 847-762-7682.

April 2008  Accelerated Financial

I've recently been contacted by this company:  http://www.acceleratedfinancial.net/

What a bunch of freaks!! These people must think that I fell off the turnip truck or was born yesterday or a combination of both. They called my roommate on his cell phone, which I never gave out to anyone so not sure how they reached him. He called them to find out what they wanted, and they wouldn't tell him anything, only that I was about to be sued. However, they did leave a message on his cell phone and practically told him everything about me and why they were calling. The message was ridiculous - they left it for him but then they said it was for me and then addressed his voice mail as if it was me who would be receiving the message. When he spoke to them, they told him that they couldn't get in touch with me. They referred to me as a 'deadbeat' and 'one of those people' and 'the type of person to skip and run' when I'm none of those things. Then they called my parents and thought that my mom was my wife. My mother's Italian temper flared, and she screamed at the woman, and she told my mother she would never call again. However, not before the caller practically divulged all my personal business to my mom on the phone. When I finally left work at 5pm, I had three messages from them, all left from 8am all throughout the day.

I wrote them an email, citing various sections of the FDCPA that they violated and attached a debt validation letter and then mailed them one. I have no idea what they want or for what purpose they are calling me. They're not on my credit report. In the messages left for me, they told me that they were planning on serving me with a warrant of debt. I don't live in VA (never have!!) and warrant of debts aren't valid in NC. This is an agency to watch out for!

April 2008  CBE Group, Inc. Waterloo

Here is the pitch on this scam collection agency; A computer voiced "Angela" call to a number, then the voice says, "Please call me back at 1-866-892-4708." The number seen on caller ID is really 319-274-1919. A "Googled" web search I did, found out alot of complaints through such sites as 800notes.com, whocalledus.com, consumerfraudreports.com, ripoffreport.com. They also have another number 1800-925-6686 and this company does the calling incessantly, day or night. Apparently they use college students in their scam to send out computer generated calls all across the nation--thereby MISLEADING themselves as who they are! I am filing police reports on them as I have done against the Portfolio and Allied Interstate scammers. I also filed online with the FCC, FTC, and mailed out complaint forms to the IRS against these companies! It works!

April 2008  All Agencies Everywhere

The comments on this site surprise me. Bud Hibbs is an advocate for those who have been wronged. However, most of the comments made here are simply from people who don't pay their bills. For some reason, they think that because a debt is old or sold its no longer valid. Where is the personal responsibility? If you owe money - yesterday or 5 years ago - pay it. You owe it, right? Do you teach your kids to duck responsibility? Of course not. Stop blaming others for your lack of responsibility. Pay your bills. If you can't, don't blame others for your poor decisions or life's misfortune.

April 2008  World Wide Recoveries

since Feb. 08 I have been harassed by world wide recoveries. I have been contacted by some guys named "Randall", Mr. Brown, Don Terry, Thomas Brown, and some woman who would not disclose her name. These people have yet to tell me what the debt is about and refuse to send a copy of the debt to my address. I am not sure how they got my work number but they did. I have asked them time and time again to not call me at work. My boss has told them the same thing and they refuse. They have disclosed all types of info about this debt to everyone but me. I don't know what to do. They have called me all types of derogatory names, they have belittled me and questioned my intelligence. They have also insulted my husband and my boss. These people have also misrepresented themselves, First they called themselves attorneys, detectives, investigators district attorneys, investigators, one even went as far as saying that they were a blood relative and that it was a state of emergency. I don't know how to stop these people. They have called me at all types of the night and the morning from a 714-380-5876, 714-380-5875, 714-380-5867, and 714-380-5861. what legal action can I take.

April 2008  DMK & Associates

Received phone message on Sunday evening from a Paul Williams at 1-866-716-1065. He asked for a call back on Monday. Did not identify who he is, what company he represents or what he is calling back about. I called the number and the recording answered "DMK and Associates".  Googled DMK and associates and found several complaints from consumers about rude calls, etc.  This company is probably an outgrowth of one of our other many friends in the industry.

April 2008  Roquemore & Roquemore, Dallas, Texas

Nationwide Collateral Location and Recovery Firm -they hire private investigators to track debtors down.Their motto "We'll get them before they get you!"  Skip Trak  Corporate Office: Garland, Texas 75043  info@roquemore.com

P.O. Box 743608  Dallas, Texas 75374-3608   972-226-9266      800-500-7855 Fax 972-226-9720

April 2008  Stillman Law Office, Michigan

I had this account with Western Michigan University that was turned over to RMS-Recovery Management. They in turn turned it over the Stillman Law Office with the information of RMS still on my credit report. I called them today to get the most updated information on my account and I was told that it was sent out March 28th. Today is APRIL 11! That is literally 2 weeks ago (can you say liars?)! The lady on the phone said "any day now." That's not an acceptable answer. After my dad checked the mail and said I have nothing for me from them, I called them back and talked to a floor manager and requested he send me information on my account. He told me I sent them a "Cease and Desist" letter in January of 2006. Mind you, I did send them something but it sure wasn't a cease and desist letter but think about this... if I sent a Cease and Desist order, why is it still on my credit report and the amount still going up? So afterward, I told them that I am prepared to put in an Affidavit saying I didn't send them that. He continued to tell me that they couldn't send me anything due to the cease and desist letter. I then presented to him that I had spoken to someone earlier who told me they sent something March 28th. He didn't know what to say. He then said to "keep an eye out for it." I then preceded to tell him that wasn't an acceptable answer. I told him to fax me the information today before 5pm or I'll sue him and that office for withholding information under the Freedom of Information Act (yes it's possible). Mind you people, these Lawyers and their offices LIE to you on a consistent basis. Learn to do things in a private matter and beat the system.

April 2008  Integrated Portfolio Management, Inc 800 Springer Drive, Lombard, IL

My mother-in-law received the first phone call from this "company" on April 10th. Kenneth Grayer, collector. Said they had been "retained" by Chase to collect this account, and that he would be getting back to them with his recommendations. The "account" was a trade account from a few years ago. This dispute was settled from the beginning. He told my mother-in-law that she was going to be prosecuted for fraud. She is 84 years old, in very poor health, hard of hearing, and was on her way out the door to go to the nursing home where her oldest daughter is now. This upset her beyond all reason. She gave Kenneth her son's (my husband) cell phone number. Kenneth called him. My husband was on a construction job, so he told Kenneth to call me at home. I had just been in my house about 10 minutes, I had just picked MY mom up from the hospital. She had open heart surgery last week. Kenneth proceeds to tell me that he has spoken with my mother-in-law and that she wants to press charges against me because I fraudulently opened an account in her name. He said that he had the authority to drop the fraud charges if I made a "down payment" of $1500 - $2000 and then set up a payment plan for the other $3000. He then asked for my checking account number.

He also told me that he had a recording of my mother-in-law stating she wanted to press charges. I gave him no information, and told him that I would have to discuss this with my husband when he got home. Told him to call me back the next day. He did. But I had researched his company and found out what they were. First of all, there was NEVER any fraud. Due to an unexpected illness, we were never able to get the business going and were unable to repay the debt. We have filed bankruptcy. (Oh yes, Kenneth was "very nice" and said he was willing to waiver the "down payment", but not to mistake his "kindness for weakness") When he called back the next day, I asked for his mailing address FIRST THING, and he asked why I wanted it. He hesitated, but eventually gave it to me. I told him then that my attorney would be contacting him. He exploded. Told me I didn't know the law, etc. etc. And yes, I DID TURN MY OWN TAPE RECORDER ON and taped the conversation, and I told Kenneth I was doing so. Don't think he believed me, but he's in for a surprise. Because I most certainly did. I have it just in case any REAL legal person wants to hear it. I have filed a complaint against the company and him as of this morning, and I WILL press charges against this company. ENOUGH!

April 2008  Norfolk Financial Corp.

I have investigated this "debt Collector" for about 1 month after finding them on my credit report.

First off, The owner's name is Daniel W. Goldstone. Do a Google search and see what you come up with. Read about him being Disbarred for 8 years by the SJC. He still is not licensed in Massachusetts to collect debt. He uses an attorney to collect to avoid licensing.

He has an address in RI on my credit report, BUT it has a Boston Massachusetts phone number. I really don't need to say much because a Google of his name says enough.

The Original debt they are suing me for is NOT on my credit Report. If it was delinquent 215 days on 1/16/06, you would think CHARGE OFF would of happened at 180 days for a credit card and late fees, Federal Regulation. Not according to the BOGUS credit card statement they sent me. If it was in fact charged off in 2006, it should still be on all 3 of my credit reports till 1/16/20013. His entry does not contain the original account number and it's what they call a "file number". Not to mention that what their credit card statement shows is a starting balance of over $1,000 and a late fee, on the SAME DAY.  I am seeking a lawyer as soon as I am through with this letter.

The following is a list of addresses for him and his attorney:

Norfolk Financial Corp. 1725 Mendon road   Cumberland RI 02864


Norfolk Financial Corp.  2130 Mendon road   Cumberland RI 02864

Norfolk Financial Corp. Forsyth Law Office   1208 VFW PKWY ste. 201 1208 VFW PKWY
Boston MA 02132 Boston MA 02132   1(617)323-1533

Norfolk Financial Corp. Forsyth Law Offices   20 McKenna Terrace 20 McKenna Terrace
Boston MA 02132 Boston MA 02132  1(617)553-0056

Norfolk Financial Corp.   P.O. BOX 320579   Boston MA 02132

Norfolk Financial Corp.   40 Westminster Street, ste. 201  Providence RI 02903

She is only registered to do business at one location according to her Federal Employer Identification Number and that is the McKenna terrace address. I am unsure of her REAL office location. More coming soon.

April 2008  Northeast Credit  AKA Commonwealth

This company called and called and my mother finally talked to them. She told them that I was not available and they proceeded to tell her that I "owed" them a lot of money and that I had to pay right away. They claimed that I had been ignoring letters from them for over a year. She challenged that statement and they told her the address they were sending the letters to. It wasn't my address. When she told them that they started to call her a liar, and swear at her. They then proceeded to threaten to sue me for more money than they claimed I owe because they can, and when my mom said it is illegal to threaten that, they hung up. She called back and was transferred to a supervisor. When she told what happened and called them out on using fake names, they started to threaten, swear, and yell at her. They got more and more rude and eventually threatened to come down here and break my neck. After speaking to her, the immediately mailed a letter to the correct address saying that they are filing suit within five days of the date of the letter, which was 2 days before the letter even was mailed. They say its because I ignored their letters for a year. It isn't even my account. I am sure of this because the personal info and the address was wrong, only the last four of the ssn was correct. Now I am worried about how to proceed and also fearful for my life.

April 2008  Vericore

My boss was contacted by a Tom Weigle, stating he was a P.I. investigating our company and needed to verify some information. He informed he had been instructed to do so by a Mike Spencer with Vericor. He stated he would need to come by our office and take some pictures (yeah, he's not gonna make it through the front door). He also verified information about me as well. We tried to contact Mike Spencer at the number provided (800-375-3186) which he answered but stated he had to get rid of a couple of calls before he could talk to us and that he would call us back. The only difference I can see between the other Vericor listings here is that we are located in Texas so it appears this company is branching out not only to other states, but also to tackle corporations.

April 2008   

I beat a lawsuit from these people! They sued me a few days before the SOL was set to expire on an old debt. I responded to the suit, sent them a ton of discovery, and then sent them a ton of interrogatories questioning the validity of the affidavit that they attached to the complaint. A week after I sent my discovery request, they dropped the case. They have a year to re file, but I doubt that they will. They'll probably sell my debt to someone else.
Bud is right. Challenge them. Play their game, and you'll see how quickly they give up.

April 2008    Farris & Utley PC - Tyler T. Todd

I have been in litigation with another Citibank Card, after 1st sending a Billing Error Dispute letter. 8 days after they received, United Collection Bureau sent me a Demand Letter. I sent them a Cease & Desist. I then get a letter from Citibank, they were now closing my account, they would not respond to anymore such communication etc. Shortly after I received communication from a Mikel M. Boley Attorney, which I have been battling.

In Oct. at Court we got a Discovery Sanctions Order signed due to Plaintiff's non appearance. Less than a week later, we get a package from Farris & Utley PC - Tyler T. Todd- and a Motion to Dismiss these Discovery Orders including the Discovery Sanctions.

They are NOT the Attorney of Record; we argued they had no right due to provision Utah Rules of Procedure 74(d) & 75 not being complied with, prior to the limited appearance / substitution. In Court the Judge signed their Motion Order.

How can this occur? Aren't they committing Fraud, representing a Company that did NOT retain them, to represent them!!!

On the day after of a time expiration to reply to our Objection to their Motion- we find a letter in our mailbox. No postmark, just pen scratches over the stamps! I feel these are illegal tactics, and they should be made to be accountable for their illegal Fraud Representation and USPS Fraud. Yes we have legible copies of the envelopes etc. Can you please help us nail them!!

April 2008    Just wanted to share my latest Letter with you.

AFNI, Inc.
404 Brock Drive
Bloomington, IL 61702-3097

xxxx
xxxx
Madera, CA. 93637

To Whom it May Concern:

Re: AFNI Account #xxxxxxxx

This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (FDCPA), to cease all communication with me in regard to the debt referenced above.

This notification is also formal notice to you that any filing of such action by you, or your representatives or assigns, is therefore Time-Barred.

As I am sure your legal department is aware, there exists a statute of limitations in each of the 50 states for a junk debt buyer or collection agency such as yourselves to report, collect debts and/or bring suit against debtors for alleged debts.

In my home state of California, the statute of limitations is as follows:

Open accounts – 4 years from date of first delinquency
Written contracts – 4 years from date of first delinquency
Oral agreements – 2 years from date of first delinquency
Promissory notes – 4 years from date of first delinquency

As you can plainly see from the date on the “billing statement” you provided to others but never validated to me, you are far beyond the statute of limitations for collection and or obtaining a judgment/bringing suit. Since this alleged debt is clearly past the legal time frame for continued collection activity, you will cease any further contact with me.

As a result I must insist that you:
-Delete any and all records of this alleged debt from your system
-Do not contact me any further by any means whatsoever
-Do not sell, transfer, assign, or share any information about me or this alleged debt with anyone else
-Do not provide me with a IRS form 1099-C
-Do not report this false information to any of my credit bureau repositories
-Send me a signed letter that releases me from further obligations

Thank you kindly for your “attempt to collect a debt.” I trust that I will not be hearing from you any further. If you do not comply with my requests listed above, I will have no choice but to bring suit against your company in the State of California, County of Madera.

Being the reasonable people that you are, I will assume that you will realize that a Time-Barred debt that your company probably paid less than $9.00 for is not worth the time and expense of a court case, and you will comply with my requests.

Thank you very much,
Concerned Consumer

NOTE: This is an attempt to make a debt collector obey the law. Any information obtained, will be used for that purpose.

Vincent P. Cignarale

For over a month now I have been receiving several phone calls a day from various phone numbers. They leave a pre-recorded message stating they are from the law offices o Vincent P. Cignarale, and that it is in regard to a legitimate debt (blah blah etc...)

Today I had the displeasure of actually answering a call because it came from a new number - 716-651-0256 - which I mistook as someone I knew.

The man who I spoke with identified himself as "John Wesson", and since I told him I wasn't home, he asked that I call back at 866-878-5796 x326. When I asked him to elaborate on the reason for the call he stated "we have a file here in the office that directly concerns him". He chose not to provide any additional information.

As far as I can tell this stems from my idiotic decision over a year ago to take out a "payday loan". As a result of that loan the alleged payday company began taking unauthorized amounts out of my bank account, forcing me to close it completely. Months later they began calling me at my place of work telling our receptionist that the FBI were on their way to arrest me, and so on and so forth.

Now apparently this has gone to Mr. Cignarale, as I can think of no other debt that would fall into his hands.

I just thought I would give you some updated phone numbers in the hopes you can continue to educate people about this psycho.  (Pete has his own page at http://www.budhibbs.com/giove )

Delta Group, Evans Law Associates and Quadrant Group

these agencies are all one company. A select few of the people there are decent and try to work within the law. Most are pressured into using tactics that would give the devil nightmares.

their hiring practices (firing practices) are just as unethical as their collection practices. Careful folks there are new names and offices in the works to cover their tracks.

CMS - PROLINE SOLUTIONS - NMC - NCO

 I am conflicted with your site. On the one hand, I have had financial problems in my past that caused me to deal with some pretty nasty collectors. Their tactics are aggressive, rude and many times intimidating. Most of us REALLY would prefer avoiding these types of people and their associated methods. BUT, people do borrow money (credit) and promise to repay and don't. Many times there are very legitimate reasons for default on credit cards, over-drafts on checking accounts and associated credit instruments. But, can we really blame the credit lender for attempting to recoup what was lent by them to the borrower.

Here is my conflict. It appears this site provides an open forum to say all debt collectors and their associated agencies are somehow infringing on a borrower's right. What does the borrower expect the lender to do when they default on a promise to pay? In very real terms, a lender provides MANY opportunities to the borrower for correction of debt before it is charged off and sent to a collector. Past due statements are sent by the original lender asking for payment and/or a request to the borrower to contact lender and discuss financial hardships. People do become resigned when their financial burdens seem too difficult to overcome and at that point the real problems start. The lender gets no response from the borrower over many months of attempted contact and charges off the account as non-recoverable. Now the collector comes in.

I wish people would manage their credit accounts responsibly. It is a given that banks and credit card companies "target" new clients on a variety of levels. Some of the target markets are first time credit borrowers with a lot of "backend" potential and others are past borrowers that defaulted and are offered new credit with significant upfront fees and REALLY high interest. It is a predatory business but people NEED to think before they act.

My message is pretty simple. LIVE WITHIN YOUR MEANS. If you are provided credit, accept it if you need it and can afford it AND make good on your promise to repay. IF YOU ARE OFFERED CREDIT AND KNOW YOU CANNOT AFFORD TO REPAY REFUSE THE OFFER. If you don't accept this advise, please stop complaining when the collection calls start coming.

I DO NOT CONDON THE PRACTICE OF RE-SELLING "PAPER", ESPECIALLY WHEN A "SETTLEMENT" OR "AGREEMENT IN COMPROMISE" HAS BEEN REACHED WITH A COLLECTION AGENCY ON SPECIFIC DEBT. I DO HAVE COMPASSION FOR THOSE OF YOU WHO ARE DEALING WITH COLLECTORS AND CANNOT AFFORD TO SETTLE OR REPAY THE DEBT. THE FACT IS, YOU ARE A COMMODITY THAT CAN BE PURCHASED AND SOLD. NONE OF THE COLLECTORS YOU SPEAK WITH TAKE A PERSONAL POSITION TO YOUR PROBLEM. IF THEY COLLECT MONEY FROM YOU, THEY COLLECT A COMMISSION FEE. IF THEY CAN'T COLLECT YOU ARE A IMPEDIMENT TO THEIR WEEKLY BONUS. IT IS JUST A BUSINESS. PERIOD. AND IF YOU THINK YOU HAVE BEEN MIS-TREATED, CONTACT YOUR STATES ATTORNEY GENERAL TO COMPLAIN.

Student Loans

I must respond to comments that make the Dept of Education seem invincible. They are not. Since the Dept has decided to use private collection agencies to collect their loans, then the FDCPA law applies to them. So the Cease-Comm letter applies. Also the only contact with relatives must be only to locate alleged debtors who they cant locate. If they have your address and phone but you tell them to not contact you they cant contact anyone else claiming to look for you since they already know where you are. They also cannot contact your employer if you tell them this is not allowed at your place of business. As for wage garnishments, they must send a written notice and give you a specific number of days to respond and grant a hearing if requested. Allied Interstate has garnered a big contract with the Dept of Edu because they have previously been able to collect a large amount. But their collection tactics are typically outside of the law which the Dept claims they will not tolerate collectors who violate the law. Yet they do. Who is the real criminal here, the collector who violates the law or the govt agency which tacitly condones their behavior?

RGM & Associates

Rgm & Associates   5824 Library Rd   Bethel Park, PA 15102   Phone: (412) 854-5874 Please add these dirt bags to your list on your site.

Audit Systems Clearwater Florida

These boneheads...they've been calling my mom at her new residence now for several weeks trying to "verify" an address she used to live at. When she pressed them as to who they were, all "Latisha" would tell her was that she would discuss it as soon as my mom verified the address...btw, the address they were attempting to verify is MY home address. (I've since told my mom to accept the call, "verify" the information, get the account # and information and we'll send the Cease Comm.)

So without hesitation, I got the 800 # from my mom and called them on a Saturday. Their VM said they are in operation on Saturdays. NOT TRUE. Anyway...I managed to accidentally access their voice mail system and set up a VM account on their system ( I know...what a stinker.).

Anyway...I called them on Monday morning, February 18. I spoke to a girl who identified the company as Audit Systems. I asked her if they were a collection agency to which her reply was that was privileged information. I then advised her that under the FDCPA if she were questioned about it she needed to be forthcoming about who they were. She stalled for a moment then admitted that they were indeed a collection agency. She asked me for my name, and I gave her just my first name, Ray (you can print it...I have nothing to hide). I then asked her for their physical address. She began to stall again and asked me my name once again to which I replied that it was unimportant. I politely advised her that in Texas we don't have to advise the other party on a telephone call that the call is being recorded, but I was doing so and that it would be in her company's best interest to give me the address or risk being investigated by the FTC and FCC. She put me on hold...I thought she hung up...then she came back on the line and gave me an address of   Audit Systems   3696 Ulmerton Rd., Ste 200  Clearwater, Florida 33762

I thanked her for the information. She again asked me for my name...I told her it was Jerry Jones and then hung up.

Stick to your guns with these knuckleheads. Advise them your are an informed consumer and that you will not be intimidated by any of their illegal tactics.

Collector Speaks

I am a collector and don't believe in breaking the FDCPA. I do believe that you can make a career out of collections, whether you work for a bank or a collection agency. The bottom line is that people need to stop spending more money then they make. This is why are economy is struggling the way it is. Credit card should be used to establish credit but should be paid off every month. If you cant afford to buy it god forbid we as a consumer try to save the money and then buy it. I do understand that sometimes things happen, but then again if we save some money maybe that lost employment or what every did happen would be a softer blow financial. I think on you web site maybe show people how to get out of debt or show how to avoid getting into the situation at all. I also speak to people who file tax exempt all year and owe the IRS thousands of dollars and if you ignore them take what they want when they want. People need to get back to the basics like our grandparents did, which built our country to what it is today. The baby boomers are the one's who have changed the world to the materialistic world it is today. What is the difference between a shirt from Wal-Mart the cost $15.00 and the same exact shirt from Banana Republic that cost $90.00. Everyone needs to take a step back in life and see what they are doing and hold themselves accountable. If you want too help most people in this world try and help them identify the problem of spending and they don't need 10 credit cards, know your limits in life. I hope this does make it to your site, but I am sure it wont only the negative things do. That is what sells and that is what people feed on now. 

ProLine Solutions

Over the past few weeks, I have been receiving phone calls from "ProLine Solutions." The caller id shows it to be from an “Unavailable” at 716-304-6350. I checked the area code and SURPRISE! It’s from Buffalo, NY. The caller leaves messages in a strange, raspy voice and begins with slowly saying "this call is for you" (and then my name). He says his name is “Chris.” It's really kind of creepy. He then says to contact him at 800-518-4950. Each message is the same, and every time I can hear about a dozen people talking in the background and some are laughing. I have been waiting to receive some sort of correspondence from this company in the mail, so that I can send them a “Cease Communication Letter,” but I have yet to receive anything from this company other than odd voice mail messages. I checked online and I found quite a few reports of people who have dealt with this company over the telephone and they all say they are extremely rude, insulting and demeaning. So, I will definitely NOT be answering my phone when they call. My question is, can I send a “Cease Communication Letter” without having received any paperwork or other correspondence from them, other than phone calls? I just went through quite an ordeal dealing with Aurora Gold & Associates last year, and I just DO NOT want to start this again with another debt collector!

Tyler and Morgan   

Some new agency in Tampa, FL which I never heard of making the usual threats against my property and assets. Claims to be a Law office even left it on my machine. At first I believed them because I never heard of them and I live in the same area . They told me that Bank Of America was suing me. When I contacted Bank Of America they had no knowledge of it. I wish I wouldn't have erased the message or recorded the conversation. I got an attorney because of their threats. He told me they broke the law and I could have taken them to court and won big since I didn't have any evidence that there is nothing that can be done. I advised him that they even contacted my relatives he said that I needed proof. We did more research on them and found out that they aren't even bonded in the state of Florida to even do business these people are some low lives if they call you or leave a message make sure you document everything and record every conversation and sue their pants off.

FirstSource Advantage   

Oh my gosh! They are calling my parents too and I am over 40! My parents are elderly and it is in clear violation of the Fair Debt Collections Act as they told them it was to collect a debt or be sued! I filed a complaint with the Federal Trade Commission, not sure what good it will do but I will continue to fight for my rights no matter what it takes. I met with an attorney and my next step is to file for harassment.

Financial Asset Management Systems   

Looks like Jerry Hogan, a former Nationwide Credit honcho, has taken over for a company called Financial Asset Management Systems with head offices in Georgia. Same tactics, different name. First contact is by phone. No mail from these folks. I will not answer the phone and I will not be intimidated into giving any personal information.

Black, Goldman & Associates, LLC    

This is an agency owned by an Edward Bednarz and supposedly his wife, out of the Ellicott Square Building in Buffalo, New York. He states he is an LLC agency and is licensed in the City of Buffalo and New York State and has pending licensure in other states. He has none of these. He has no LLC or licenses to collect anywhere. His company tries to collect by intimidation when they have no real power to do anything. He is a low-life, scum-sucking, bottom feeder who not only tries to bully people in the general public for money, but uses employees and fires them when he cannot afford to pay them. So when you do call there, there is never the same person to speak to. You are told they are no longer with the company. If you are a consumer - just hang-up on him and his goons. If you are a collector - BEWARE - this is an employer who makes empty promises of money and percentages of his company just to try to keep you working till he fires you without paying you at all. 

F.A. Management Solutions   

F.A. Management Solutions is represented by its corporate operative, Attorney Hugh Brett Shafritz.

Hugh Brett Shafritz    Address: Shafritz and Braten Pa    25 Seabreeze Ave Ste 400
Delray Beach, Florida 33483-7038     Phone: 561-278-7828
Fax: 561.2788658    E-Mail: hshafritz@aol.com

All you need to do is read on the internet about this firm, they are well noted for their fraudulent collections scams. They sent me a collections letter demanding 1/2 for a debt that was consolidated and paid back in 1999 early 2000.

Reliant Capital Solutions, LLC    

Bill Landis will call you and yell stating if you would pay the debt he would let you talk to anyone even the manager. he is rude and obnoxious and so is the owner, Margie Brickner. they are not willing to negotiate only pursue judgment if you don't have the entire amount due.

Pressler & Pressler    

I've been in a back & forth with Pressler & Pressler since mid-summer 2007. The first contact I had was a Subpoena for claim they filed on behalf of their client. A client I'd never heard of, heard from, dealt with. Having been a long-time reader of this site, and having been to this 'rodeo' before (1 loss, 1 win) I knew how to play the game. I responded to every single request (according to the Law), and cc'd the court each step of the way. Pressler & Pressler has failed to provide 'any evidence' of a legitimate debt they claim I owe, they sent the usual vague fax copies of blank 'debt sale' letters, etc. Nothing with my name, signature, date or account details on it. I've sent counter requests repeatedly asking them to VALIDATE their claim...they reply with the same docs , a different dollar amount being claimed, and more threats'. They have 'postponed' the original hearing date 3 times, needing more tiem for 'discovery', the court has approved each request immediately. The last scheduled hearing date was set at 11/29/07. Last week I got a new letter from Pressler & Pressler, a copy of a Motion they sent to the court requesting that they 'dismiss' my objection to their claim. I was preparing my reply when I received a postcard in the mail on 2 days later, from 'the court', telling me thay had already set a date to hear Pressler & Pressler's request to dismiss, and that I was 'not to attend' that hearing. Apparently they don't need or want me there to complicate their plans.
As has been reported here before Pressler & Pressler are in cahoots with certain judges and or attorneys in the State of New Jersey, so I was not totally surprised to get the 'quick' court notice telling me to stay away on the 14th. I still plan to send my latest response to the court, but I expect they will decide against me anyway, never even giving me the courtesy of hearing my side of this case. American Justice. isn't it grand!

Gault Financial     TN

This agency showed up on my credit report without ANY correspondence, calls or any communication on a debt from Household Bank over 4 years old. We weren't aware of any collection on this account until we were served by a process server for court. I immediately contacted an attorney , who has notified them of my representation, and they ignored that letter and contacted me to notify me that the court date had been postponed, which violates a client/attorney relationship. They have not responded to my attorney's requests for documentation of the debt and amount, now almost 2 months later. This agency is basically attempting to bully their claim. Beware!

National Recovery Solutions LLC

in august I was contacted by this company stating they are NRS and will sue me if I don't pay my radio shack bill from 8 years ago! I told the man a Mr. baker that it was past statute
and I don't have to pay this. he told me they own this and will sue me if I don't pay today. again I tell him that I don't have to. he says I will see you in court and hangs up. I go on the web looking for nrs. I find a company and call them about what Mr. baker said to me and they told me that they don't have radio shack or any thing like that. I get another call from a women who says her name is Kim and is telling me the very same thing about court. I tell her about Texas law and then she just attacks me telling me that I steel and even called me a bitch and hung up on me I have all ready contacted my attorney general and will be filing a law suit........thank you Mr.. Hibbs for letting me warn people about these dirt bags!!

National Recovery Corp  NRC

They said there would be a subpoena sent to me in 24 hrs if I didn't answer by a certain time. But they did say the judge but told me I could not get in touch with him though the telephone directory. They did leave this message on the telephone recorder.

Retrieval Masters Creditors Bureau Inc

Having sent request for verification ltr to Pinnacle Credit Svcs, Pinnacle has now turned this acct over to Retrieval Masters Creditors for collection. Have not received verification of debt as of this date. The account is for a Cellular 2000 wireless account that I have never opened. Am considering suit under US CODE TITLE 15 CHPT 41 CONSUMER CREDIT PROTECTION   Retrieval Masters Creditors Bureau Inc 2269 S Saw Mill River Road Bldg 3 Elmsford NY 10523 (914) 592-0055 (800) 666-8097   914-345-5023

Financial Crime Division of the Banking Institute

Seriously - that is who they say they are. The Criminal Financial Division of the Banking Institute.

I am not sure who these "gentlemen" really are - but my best guess is they bought an old "debt" of mine and are trying to collect. They leave messages with numbers to call back that are not valid and each of the men that call tell me (as best I can make out as they all have heavy foreign accents - Middle Eastern, I think) and speak very broken English - that I am being charged with three serious crimes - and best I can make out from the conversations due to their limited English, they have "submitted papers to my county to have my arrested" and ask me if I have ever been picked up. (Yes - have my arrested - not a typo!)

I repeatedly ask these "gentlemen" what debt they are trying to collect, what the name of their company is, etc., and they get irritated and ask me why I am asking them all these questions or they just plain refuse to answer. One time I did manage to get through by phone and they answered "Front Desk". When I asked front desk of what company, they replied that they were the front desk for many financial institutes and attorneys in the building - and all through the conversation you could hear others in the background threatening to "legally pick up" the parties they were speaking to.

I am just wondering if anyone else out there has gotten calls from them and if they have been able to find out who they are? The area code from most of their calls (according to the numbers they leave) is 517 - which in Michigan is the the area code for Lansing - also the state capital. I'm sure they are just another "bottom feeder" company but I would like to know who I am dealing with!

Westbury Ventures

William Davis has e-mailed me some of the nastiest e-mails I have ever read. He calls me a thief and says all kinds of things about my character. I have saved every one of them. He is trying to collect on a debt that is 4-5 years old he says. I don't recall the name of his company, Westbury Ventures, but recently I have read some really bad things about them. They say I have a payday loan of $200 but are now wanting around $1000. I sent him a cease communications letter three times. He leaves messages on my home phone. I have requested to see the original information on this loan but they do not provide anything. He says I am ignoring a debt I owe, but he can't even show me the proof. He continues to call anyway so I reported him. He even called my work after he received these cease communication letters. I don't know how he even got the number. He and his company need to be added to the worst collection agencies.

Sage Law Offices   

I just received a call from "Sage Law Offices". On answering the phone, I asked who was calling, and the woman just gave me her name, not stating where she was calling from until I told her it was the person she was looking for. I asked her if I could help her, and she started with "we are a law office that is trying to settle a debt". So I responded with, "so you're a debt collector?". To which she promptly replied "no, we are a law office". I asked for a validation of the debt to be sent to me to which she replied "so what are your actions going to be to settle this debt when you receive the paperwork? Are you just going to throw it into your pile of unpaid whatever?". I was appalled! The only thing I could say was "When I receive the paperwork I will decide on what to do". She was trying to be very intimidating and succeeded at being extremely rude.

Laurance A. Hecker    

I had a run in with this company in October. It was crazy. These people are awful. They called about a discover card  from 1991,last activity was April 2001. I told them I do not owe anything to discover and questioned why all of the sudden I was being contacted after 17 years. Susan Miller couldn't answer, so  Phillip Tide got on the phone and automatically said, you are not willing to pay this debt, I understand, then fine, we have the court papers drawn up and you will be served. While that is taking place we will have a sheriff come to your house and you will be arrested. He continued to yell at me louder and more vulgar and more threats of having me arrested, and taking my house, garnishing my husbands wages, etc.  He gave me 4 choices, full amount by phone with a check or credit card, or various payments. I asked him to let me call my husband about this matter. He said, I will wait. I said, I need to hang up in order to do this. He said I can call him right now and we can have a 3 way conversation. I said no. He gave me all my choices again and to make a long story short, I settled with the $2300 in fear for my husband. BUT the credit card in which I gave him only has my name on it but it is my husbands account. Anyway, he said he was going to send me something in writing stating that it was paid in full after receiving the money from the credit card but also another letter THAT I HAD TO SIGN FIRST saying that I let him use my credit card. Well I wasn't going to sign it and I told my husband about this and called the credit card company right away to stop any payment that will come up with their name to them. The charge went through already without the signed paper. My husband disputed it and told them that he didn't authorize this charge and they weren't aloud to take the money out until that paper was signed, told them the story about how I was threatened into this that they told me they were going to arrest me and go after my husband, and that he had the paper there that he had to sign and is not going to and so on. The guy told my husband, oh no they will not get this money and the money will be back on your credit card and they are disputing the matter.  NOW I have another company calling me about the same "so called debt" but this one is over $4000 for the same thing. These people that are calling now will not give me their name, will not give me the company name or anything. It comes up on caller ID not provided. But the number is 866-756-3912 and I can't find who it is anywhere. When I asked them who they were calling for the woman yelled at me and said stop yelling, I didn't yell at all I simply asked, who are you calling for? She hung up on me. These people are calling me 1 to 2 times a day and calling everyday. I have been logging all their calls and writing down if I answer the phone or not, and what was said when I answered the phone, and the time and dates when they called. They will not leave a message on the answering machine either. I wanted something recorded. 

IQOR    

I also just left this company I am a very good collector, without being abusive at all, I left this company because one of the companies team lead was making racial remarks about Spanish people. "Why do "they" come here and steal our money learn to speak English" this where her words not mine. I was greatly offended as, I have informed them of my own Spanish descent. I had only worked there a month and was sitting at an 8.1 in fee with just 26 hours this should say how good I am. I quit that moment and left. After calling the corporate office that did nothing. the next week when I should have received my last pay and my bonus I wanted until the eon to quit. my ck was cut in half they said it was a mistake and would mail a manual ck and they did 1 week later. Just spoke with them today about where the bonus ck is said it was just mailed from ny on thurs and it’s still not here. Bank of America and the student loan dept of our government is there only client aside from target that just started this month. They should pull out as this company has no honor they are willing to stick it to their own employees so what do you think the collectors will do to consumers, the on ray of light in IQOR is the hr dept and they get stuck dealing with all of the crap that IQOR creates

CC and Associates

They called my brother's cell phone saying I had legal problems. I called them at 1-888-816-6552 and spoke to Gary Miller (no, not the congressman) he was extremely rude and got nuts when I told him that the account he was referring to wasn't mine. He said he was going to send me to jail that the police was going to come to pick me up and hung up. I called him back and he threatened to sue me for harassment!!!!! I laughed and he got even more upset.  Anyway, how can this company still exist??? This company is a joke!

Jackson Phillips, Inc.

My employer was contacted and told I was being charged with Federal charges and needed to contact them immediately. I called and was told this person was a Federal agent and I had committed extortion, fraud and numerous other federal offenses and that an officer was en route to my house to arrest me.  I gave them my credit card number and faxed back permission to charge my card $200 and to pay the reminder on 11/1 of $550.  I explained to her I did not have a clue what she was talking about but wanted to resolve the matter.  She told me I was not able to practice and that my license were on hold.  After faxing the consent went online to research and found this was also BASS and now fear I will lose my job.  What has this government come to?  Federal agents dropping charges over the phone for 2 easy credit card payments!  One recording would have made you a very, very rich person.

Claims America

Here’s another pile of crap to add to your BAD collection agencies list. The name of the company is “Black, Goldman & Assoc. LLC” located at 295 Main Street, Buffalo NY 14203 Suite 1053 Phone 716-847-2410. They are so clueless as to the collection laws that they are operating without a license for any state or municipality. The scumbag owners of this company are Edward Bednarz CEO and John Harper President. Please help us make America aware of these lowlives. God bless and thanks for your assistance.

Claims America

I received a VERY Aggressive phone call from these guys (Claims America) saying they were trying to collect an old debt (which never existed) I accused them of being scam artists and they hung up, I don't expect them to call back as I was not intimidated by them at all.

Claims America

My mother received a call from a Maxine Billings ( gee that's original) telling her that she was an investigator, and that she needed to reach me about a case pending in Col Co Court. My mom gave me her name and # and I called. She gave me part of my SSN and asked me to confirm the rest asked if I would confirm it. I refused. she then said I had a delinquent B of A account, and that it was so long without collection that they were going to pursue it as fraud. I told them I needed time to work something out and they persistently tried to get be to give them electronic access to my check account to withdraw $50. I refused. I almost mailed them a check and was given 2055 C349 Scenic Drive... I was also told that if I didn't settle the matter with them and there was a judgment against me, that it would cost me about $1,000 extra in court and attorney fees.

McCarty Law Office

I wanted to let you know that McCarty Law office based in Columbus Ohio is collecting and doing litigation on purchased debt for Sherman Acquisitions and also collects for Capital One Bank placed with them by National Attorney Network (NAN). In addition OSI has been placing Bank of America accounts with them.

This office has two attorneys who are partners. Chris Lardiere who is with another law office Kemp, Shaffer and Lardiere. Chris has connections with these clients. At one time his law office was the office collecting on them but after some time in 2005 his partners decided to get out of collecting on purchased debt and Chris took the business to another law office. The other partner is Greg Kostelac who has had no experience in debt collections but provides the financial backing that Lardiere needed to get this up and running. Robert L. McCarty now deceased was the head attorney but after his death Greg bought his law office and now him and Lardiere run all over people in an attempt to build up a law office that makes it by collecting on old worthless purchased debt.

The office manager is Steward Phillips who has a terrible reputation in the Columbus area. He was fired at a previous law office Sanford Cohen who is also now deceased.

This office does around 200k a month in collections for these clients.

Account Collection Technology

I was contacted by a collections agency that never really identified themselves, but using reverse phone search, if found out that it was Account collections technology (which is apparently affiliated with Sam Streeter. Anyway, they started off by saying they where planning to sue me, but I could negotiate a settlement today. When I tried to explain that my assets are tied up in a divorce action and my almost ex-wife shared in the debt, they transferred me to a "Supervisor" who said I better settle before an the creditor's afternoon conference with the credit card company. Finally, they switched me over to some who identified herself as Vivan Vardas in civil claim who said she would sue me for every penny that I had and als make sure that they took my home and eight year old car. I am a 79 year old man who is barely surviving on social security, and trying to sell my house to pay off divorce and marital debts. Can they do anything more that put a lien on the house owned by me and my almost ex-wife? Will they really come up from Texas or wherever to pursue this?

Law Office of Richard Clark, PLLC

They called me at work and threatened to sue me if I did not make payment or set up payments on a $1,290.74 account which is at least 5 years old right then.

IQOR     October 24, 2007

I was a manager for one of the biggest agencies in the world. The CAO now the COO decided to cut back agents and their pay. He decided to bring on non experienced people to do job of seasoned and professional agents. This is one of the issues as to why collectors/agents are getting out of hand. You can collect money without violating the FDCPA and help consumers out of a bad situations but when agencies continue to hire hoods at a cheaper rate and cut good folks the outcome can only be a higher amount of FDCPA violations and flat out ignorance. When I challenged the COO on how he expect people to do a job and be motivated to do it right he never responded to my email. Instead he flew into Columbus the next day to fire me. Not that this was a bad thing because I always tried to do things right. It is the agencies that are creating more complaints and consumer issues by not training and cutting people that are trained for lesser hourly pay scales and lower bonuses. The higher ups at IQOR are the kings of creating this issue.

Grisham, Knight & Hooper     October 22, 2007

In Tennessee watch the law firm of Grisham Knight & Hooper as these stooges do not validate debts and swear they are not a collection agency themselves and do not need a license but they have 6 collection agents in office and any correspondence clearly states they are. also their website is collectionstn com they also are on listed on many sites where debt buyers fine attorneys for rent

Grisham, Knight & Hooper    701 Market Street, Suite 700    P.O. Box 11583
Chattanooga, Tennessee 37401-2583    (Hamilton Co.)   (423) 267-1158

Samuel Collins     October 22, 2007

This is a collecting attny to look out for if you are a small business with ties to large corp takeovers.
Had contract with SBC yellow pages of $2400, when books came out for the last year as SBC I was not in it, not even basic listing. Samuel Collins bought my acct as the turnover from SBC to AT&T took place.  Went to court without my knowledge won judgment, now wants $6000 for his fees and court costs. He also has put holds of $1 million on all bank accts. personal and business and has the judgment on my credit reports till I pay him what he wants and still adding. He has forced me to loose my business, good health and financial stability over this! He received my cease communication letter last month and has chose to ignore it thinking he is above the law. Thank goodness a friend has tuned me unto this site as I will be disputing tomorrow the judgment with credit reports.Did not know anyone other then the IRS could hold or control your bank accts., if owing them but when you do not owe how is it a slimmie attrny can control your bank account? Oh well, at least I will be getting some good advise as to how to handle that but at least if you are in Houston you are being notified of this wannabe big wig attny!

Omni Credit     October 18, 2007

Omni Credit Services NEVER mini-Miranda's. No matter the state, no matter the collector. When I did collections in TX, I was abused by my manager for employing the mini-Miranda. The company line is: the debtors are mini-Miranda-ed in their initial letter. However, returned mail is destroyed so how this could be is beyond me.

They are known to run credit card and check-by-phone payments until the money is there, not simply at the time the payment is given and declined. The information is stored in the "poster-boy's" office until end-of-month and then all declined cards and checks are run again.

The company is owned by 4 attorneys and thinks it is untouchable. I would be interested in public records regarding lawsuits against Omni Credit Services, LLP. When I started they had 2 suits pending and one filed within a month of my start. They use an automatic dialer  is coded with telephone numbers provided by a database which is most often wrong and these people are called ad nauseum. When they return the call, not only is their name not in the system (they are generally NOT the debtor party) but the telephone number doesn't show up, causing these innocents to be called again and again and again. They are told, "Someone must have known they had a wrong number and removed it." They then continue to receive calls...you get the picture.

Also, they record all conversations (per management) without any disclosure to the telephoned parties whatsoever.

They are also putting the squeeze to active military wives (mostly--as husbands often won't put up with debt collectors--as we all know). I watched a collector threaten a soldiers standing to his wife by threatening to call his commanding officer (this is no longer done in general practice). Want to see how it works? Just call 866-385-0908 and tell them you got a call about your cell phone bill or retail card.

These guys ought to be right up there with NCO (I worked there for about 6 weeks then ran for my career). They just keep settling, apparently. You could make great strides against them in mini-Miranda states!

I quit this company in shame and never intend to return to commercial collections again.

CreditWatch     October 18, 2007

From CREDITWATCH, P.O. Box 156269, Fort Worth, TX 76155

Says that their client DSB Capital (no address provided) has purchased the above referenced obligation (refers to an alleged Providian account; account number does not match anything in my records) and referred to them for collection.

Forester and Garbus     October 18, 2007

Froze my bank account, put a restraining order on it. No prior notice no forewarning no papers in the mail.
I went to the civil court in Queens where forster and garbus submitted their paper work and obtained copies of alleged subpoena which is definitely a case for the criminal courts. Forster and Garbus claim in the summons that they handed the summons to my wife for which the judgment is supposed to be against at our home on a certain date and time and my wife was at WORK that day. There was no one home and they claim they handed the summons to her. Then an awful lot of nonsense about her not being in the military? What gives, They froze my account without my knowledge and I found out when I tried to get money out of atm and card was seized. When I called my bank that's when I found out. Did some research on Forster and Garbus and found out they have been in court before for these kind of tactics. They wont answer my calls and refuse to cooperate in any way. I am wondering if there is a class action lawsuit against them. I want to sue them and also am considering filing criminal charges against them for the fraud they committed with the phony summons.

Omni Credit Services     October 18, 2007

I worked for Omni for 5 months before quitting in disgust. Collectors do not identify that they work for Omni until taking payment information, glossing over the company name after giving the distinct impression that the person calling is an attorney. They have a woman in their employ who represents herself as a private investigator, telling debtors, "We have an open investigation going on." Not illegal in itself unless you remember that giving a false impression is a violation. Omni is harassing active US servicemen and women via their spouses...and, yes, their recorded messages are in themselves harassing, threatening and a violation of FDCPA. They do not mini-Miranda in states requiring it and my supervisor actually laughed at me when I did so.

I was written up for not following the company "talk-off," which not only neglects to mention the company name but advises you to tell the debtor party that you are a "processor" processing a "claim against you." They are currently hiring baby-collectors at 9.00 per hour. One girl, while collecting a bill, actually told the debtor party that the was "not violating the FDSPCA...or whatever it is." They do NOT provide written verification of the debt except to reissue a letter on their own letterhead stating you DO SO owe the debt. They have clients who cannot provide original documentation of debts, yet they continue to attempt collection.

The managers favorite line is, "Get them at work where they can't fight back." It is common practice to put work telephone numbers into home and work fields to be called by the IVR recording, resulting sometimes in hourly calls to a debtor party's place of business. They have a recording, done by our manager using a fake name (usually "Daisy" or "Angela"), which comes so close to divulging I am sure the recording itself is illegal. Our manager says it is the most effective in getting "call backs" because of its abusive tone. Omni Credit Services shreds its returned mail without updating the data base with new address information.

No wonder the worst companies are here. People ask to speak to a manager and we are required to simply refer them back to the original collector. One of the managers, Jay Mancini, is so abusive no on ever believes he is a manager. He routinely abuses each and every caller with comments such as, "You're too dumb to do anything about it," "Oh, no! The Better Business Bureau! NO! Don't call them! We could care less," calling people dirt bags, engaging any debtor party with nerve enough to take him on with rejoinders such as, "You're another one," "You'd like it too much, "Go steal it." I have worked for NCO as well and Omni Credit Services makes NCO look tame.

Law Office of Richard Clark, PLLC

This "law firm" must somehow be in cahoots with the Sam Streeter bunch, both located in Houston, TX. I began receiving computer generated calls from Streeter back in June. I sent them a debt validation letter and received a response from Christina Grunthaner at their office which was addressed to someone with the same last name as mine but a differnt (though similar) first name. The middle initial was different as well. I was told they would forward the supporting documents once received from the original creditor (which was at a bank I had never even heard of). After over a month went by and I had not received anything, I sent Ms. Grunthaner a letter stating I was not who they were looking for and had never had an account at the bank the debt was with. Today I received a collection letter from the Richard Clark law firm, addressed to the same person as before, with the same bank & account number for the original creditor. So here I go again. This is the ninth collection agency I've been contacted by since April looking for someone who I happen to not be. These certified mail fees are adding up.

Lyons, Doughty, Veldhuis, Attorneys at Law

these are new shysters in town the law offices of Lyons, Doughty and Veldhuis. They do the usual stuff, filing bogus claims, threatening with court. just a line to let you know about this budding outfit, bud.

Collection Professionals Inc.

This agency is very out of control -- for them the FDCPA does not exist. There is no mini Miranda or informing the debtor the call is from a collection agency. The messages that are left on peoples phones is a crime. Only name and phone number are to be left not a book. They also are collecting very old paper from 1990. Small but very intimidating for the uninformed debtor. A CRIME AGAINST THE LITTLE FELLOW.   630-232-4546

Collection Professionals Inc.

I am reporting very unlawful tactics by the above agency. They also have an agency in Joliet Illinois. Gary Himrick the owner is taking FDCPA RULES to a whole new scam. He is charging interest on medical and retail accounts. The medical and retail accounts are intertwined dating from 1990 to present. The longer you have lived in this area the more you owe. Most are just taken to court and wages garnished. They are collection hospital bills and some of the accounts were for children who are now adults--that's how old the bills are.. The mini Miranda is never recited. These people also call and talk to all your relatives. Many comments are personal. as so and so left her to marry this other woman etc.. My feelings are this is a very unsophisticated area and most have no idea what their rights are. They do not even know you can now get a free credit report to check and see if your paid in full balance was noted as paid. Scamming the little fellow....

Zakheim & Associates     October 10, 2007

Zakheim & Associates have obtained a judgment against me  for a Discover Card I have never had. They have no proof at all that this is my debt. Have hired an attorney, but am being put thru the ringer. This debt does belong to another family member which resides even in another county in Florida. I'm exhausted and its getting expensive. I even tried to have this debt removed from my credit report and the credit bureau responded that debt is verified and stays on my report. Its on my fathers report also. My attorney in June when I hired her admitted freely to my attorney they sued the wrong person and said if things could be worked out with the proper debtor they would vacate the judgment. An offer was made for 55% of the original 10K debt and Zakheim said no they needed 7350.00 now. They did not have that kind of money. My attorney said that you now need to vacate the judgment as you KNOW you sued they wrong person and they now said they did not say that. I never even received service and was in the process of evicting the person who we finally figured who received the notice of service. I'm frustrated with Zakheim and Associates, the threats to my parents its got to STOP. Zakheim has harassed my mother unreal, constant telephone calls, (Scott very rude collector) wanted her to re-mortgage her home, wanted a post dated check, wanted her to Western Union money. Atty Richard Batagglino is a liar

Robert Goldstein

Got a call today about a debt they say is from 1992. I said send me a copy of debt. Guy said he was from Robert Goldstein's office and he was a Special Investigator and had a warrant for my arrest for malicious activity with intent to defraud, said someone would be coming to serve me or take me to jail, etc. I know better. I told him to go ahead and send it because I'm not paying anything without proof that I owe the debt. He told me to get a lawyer because they are coming today to arrest me.

JMS Associates, Inc. Boca Raton, FL     October 10, 2007

1991 auto loan. Had to turn the auto in in 1993...no longer employed. since 2001 have been harassed by McKelvey, Giovi, Penn Credit, some other one I cannot recall, and now JMS out of Boca Raton, Fl. This time they left a message saying for my attorney or legal counsel to contact Eileen Kramer. She tried to make herself sound like a law office. I live in Louisiana where this debt became "prescribed" 6 years ago. These people are driving me batty to say the least. I just wondered if you had any info on the JMS Associates company. I no longer answer the phone when I see that it is one of them. I suppose they are getting frustrated. They never used to leave a message.

Credit Solutions, LLC     October 10, 2007

These people are sending out bogus collection letters re: International Masters Publishers accounts. (magazine subscriptions etc.) Listing Bill Rice @ 1-888-855-7327 as their Collection Manager. Researching them I found they are sending out dunning letters for accounts or subscriptions that are well over 10 years old, or never existed in the first place. I sent them a debt validation letter and complained to the BBB.

Brachfeld & Associates     October 8, 2007

Oh my word! I was called from this company and it came up on my caller id as "Merdian Managment". I was told that my case will go to court and I was told that it was indeed a law firm. This was back in Sep. I was told from this "lawyer" named Dough that he CAN state that this debt (Sears) will go to court since he is a lawyer. He told me that
he could not say that if he was just a "debt collector". Well, I did my homework. I called Sears. I found out that my account was sold to Resurgent whatever back in June 2007 and my account with Sears has been closed since May 2003! So, I wrote a letter to B and A and told them that my account closed in May 2003. I told them that I do not have a job-no income and no unemployment coming in. Nothing. Of course they always say, "Why don't you ask someone you may know to help you." (They are assuming that I know someone that can help me!!!) After I mailed my detailed letter-I haven't heard from the company. I was told from that "lawyer" that I will hear from them in about 30 days. I have not heard from them. No letter no phone calls. I also found out that they can not garnish unemployment, SSI or SDI or pensions-all of which I am not getting! So, I have nothing. No friends to help me, no job, no captial or savings acoount! The funny thing is-my debt with Sears-is less than 2K!!! I highly doubt that
Sears is going to want to go to court over less than 2K. And they have a letter now-stating that I have been laid off since March 2007. It's not like I can force people to hire me!

James A. West, P.C.     October 8, 2007

Avoid the office of James A. West, P.C., 11111 Harwin Drive, Houston, Texas 77072. This debt collector is not registered in any other state except Texas. He is a foot soldier for one of America's Worst Debt Collectors, United Recovery Systems, L.P. If you are a resident in any other state except Texas, Mr. West and his staff are prohibited from calling you and demanding information, payment, etc. Mr. West has no legal justification, justification or subpeona power in any other jurisdiction except the State of Texas. If the Law Office of James A. West, P.C., and his staff continue to call you and threaten you with a lawsuit or any other legal action, please contact the State Bar of Texas and file a complaint against Mr. West immediately. Contact your local State Bar Association and file a complaint against Mr. West for unauthorized practice of law in your jurisdiction. Contact your state Department of Financial & Professional Regulations to see whether or not Mr. West has a license issued by your state as a Debt Collector or Collection Agency. Contact your State Attorney General Office and file a Notice of Suspected Illegal Debt Collection Practice and Unauthorized Practice of Law. From all appearances, the Law Office of James A. West, P.C., violates consumers rights under the FDCPA on a regular basis. Contact Information: James A. West, P.C., Texas Bar Card #21199050, 11111 Harwin Drive, Houston, TX 77072, Phone: (713) 266-9090, website: www.wildwildwest-law.com.

Law Office of John Frye    October 8, 2007

i hope this helps someone else facing John Frye law office and David Bennett. My mother (in her late seventies)was near forced and browbeaten by David Bennett at john Frye office claiming he was a lawyer and scared her into giving her credit card number to pay off a bill she couldn't afford that belonged to my daddy. my parents paid their bills up until my daddy was put in a nursing home 9 months ago at almost 90 years old. This arrogant and rude man kept saying their company would be suing her if she didn't pay it. he found her private number by calling my brother's home in Pennsylvania pretending to be a friend of hers and asking for her number. he had also called our sister in the same city but never got through to her. he called my mother continually over 5 times a day. she tried to explain to him that daddy was in a nursing home with dementia and she would pay the bill if he would just give her a payment plan. momma said he kept saying she was in danger of losing her house if she didn't pay my daddy's bill and kept demanding her to just go get the credit card he knew she had, he berated her saying he knew everything about her, all her credit cards and all her charge accounts. I was there during one call listening to see what this man did to her, he kept demanding 'go get the credit card!' over and over nearly forcing her to tears. I took the phone, this nasty man told me they didn't take payments, we had to do this over the phone right now before the end of the month in less than a week and even told me to get my mother's credit card out and just pay the bill and he'd stop calling and that he would do whatever he had to do to get the money back. my mother and father have always been responsible people. I told mom not to give in, but this nasty man called back when I wasn't there and scared my mother into giving him her credit card number by saying she owned her house and it was something he could look at when trying to get their money back. she paid them over 8 thousand dollars on her card.

IC Systems  October 8, 2007

We have repeatedly set up payment arrangements with them, but they call 5-8 times a day to harass us about 1 credit card bill that is past due. I am at that point where I will not pick up the phone. They constantly call and harass us to pay the bill, or set up arrangements which we have done a numerous of times, and they still continue to call approximately every hour on the hour, they are horrible.

Pressler & Pressler, LLP  October 8, 2007

I am currently fighting these pariah. You can read the case here at www.caipnj.org. I am not an attorney, just an innocent consumer who did not want to let these people take advantage of me.

I do not know what the debt is that they are talking about. They have given access to my social security number and whatever personal information that they have on their portfolio concerning me to unauthorized individuals, and will not get away with it.

I am learning as much as possible about the laws that protect me, and the laws that they constantly break and are allowed to get away with because Sheldon Pressler the owner is on the special Civil Committee for the State of New Jersey; and has access to the NJ DMV Records which is extremely scary.

Some rules need to be changed in the courts concerning notifications to defendants, and I will work to try to make those changes as well; but for now it is one slow step at a time with the pariah of Pressler & Pressler, LLP.

It is disgusting to see what these heartless people do to single mothers and fathers, senior citizens and people that do not have a pot to p**s in. The do it just because they can. They go their conventions once or twice a year to learn how to get around the law; and it needs to end.

This article was taken from www.caipnj.org in where I will be posting my dealings with these pariah. The links work on the page as well.

'First off, we have been in contact with reporters of numerous New Jersey Newspapers explaining my case against the illegal practices; and reasons for my beliefs concerning the criminals at Pressler & Pressler, LLP. Below is an edited email that was sent out across the state of NJ.

For those of you that do not know, Pressler & Pressler, LLP are one of the biggest Debt Collectors in the nation. They buy off debts from companies like AT&T, Citibank and a few other companies at pennies on the dollar, then attempt to come after people for the full value of the debt knowing fully that they have no claim to it.

Recently, I have had to deal with these criminals because they have come after me for a Credit Card Debt that I never had. After filing an action against me in the Civil Court of Bergen County NJ, Docket No: DC-071497-07. I have asked a few simple questions; two of the main ones being: 1) Show me the 'validity of the debt', 2) Show me that 'I owe you the debt'. To this day, they still have not done either. Here is just one of those edited emails for requested information: *Note you can see numerous articles in the Record Newspaper in Northern New Jersey which can be seen HERE; just search 'corruption'.

'A couple of class action suits against them recently that were settled by Pressler & Pressler LLP are as follows:

-Grandberry, et al., v. Pressler & Pressler, et al., Docket No. L-001356-06 – Middlesex County - Honorable Ann G. McCormick, J.S.C. - A class action involving the Fair Debt Collection Practices Act.

-Nthenge, et al., v. Pressler & Pressler, et al., Docket No. L-001363-06 – Middlesex County - Honorable Ann G. McCormick, J.S.C. - A class action involving the Fair Debt Collection Practices Act.

I explained the case of Robert A. Jones v. Pressler & Pressler, LLP, (this is the case where a few years ago, Pressler & Pressler, LLP bought stolen customer information from Orazio Lembo Jr). Pressler & Pressler, LLP are named as defendants in this case.

State of New Jersey Involvement:

From their own webpage, www.pressler-pressler.com 'Founded in 1930, Pressler & Pressler is managed by Sheldon H. Pressler, who was admitted to the bar in 1955. He has been appointed by the New Jersey Supreme Court to the Advisory Committee on the Special Civil Part (SCP) within which jurisdiction (up to $15,000.00) most retail collection matters are filed. He is also a member of the New Jersey State Bar Committee for the Special Civil Part.

Again, from their webpage: 'To serve its highly specialized practice, Pressler & Pressler is online with three (3) major credit bureaus, the New Jersey Division of Motor Vehicles, and the Secretary of State. All real estate, lots, blocks, addresses, and assessments are online and computer checked with new claims. We have a full-time programming and networking staff to assist its various clients who are computer linked to allow immediate transfer of new claims, constant online availability of claim status, payments, etc.'

So, there are people fighting back against Pressler & Pressler, LLP. You see, these pariah rely on the fact that the 'Average Joe' does not know about the Special Civil Laws & Procedures concerning Filing Answers, Motions, and sending Proof of Validity Requests etc... This is the standpoint that Pressler & Pressler, LLP likes to attack from. I never heard about them until I was forced to deal with them; and now I am glad that they filed their frivolous lawsuit because now not only do they have to deal with me, but I have found a new passion and will not stop until 'Justice Is Served.'

Using the courts; which is the body that these criminals operate in, will be my/your/our best defense. Learn about the Fair Debt Collections Act; specifically your rights about the rules under 806-813. Learn about the Rules of Professional Conduct and the Rules of Procedure. There are rules, and Pressler & Pressler, LLP break almost every one of them. Why are they able to get away with it you may ask? Let's start here:

Click HERE for their web page. Do you see what it says: 'Founded in 1930, Pressler & Pressler is managed by Sheldon H. Pressler, who was admitted to the bar in 1955. He has been appointed by the New Jersey Supreme Court to the Advisory Committee on the Special Civil Part (SCP) within which jurisdiction (up to $15,000.00) most retail collection matters are filed.' So the president of the company is Sheldon Pressler and he is on this committee in which he was appointed by the State of New Jersey and is allowed to practice illegally. Maybe it has something to do with a few of the judges on that list as well, I know of at least one that is on the bench in Bergen County.

So; moving on to an audio recording which you can hear right HERE in where a New Jersey Judge asks the Pressler & Pressler attorney to 'validate his claim' as to 'basis and ownership of debt'. This tape is very telling, in that you can hear how the attorney for Pressler & Pressler scrambles for about 10 different reasons in a matter of 30 seconds as to how he has claim; which we all know he does not.

So it is apparent to me that either; A) You have a 'Literal Boys Club' in where the Judges are practically working as employees for Pressler & Pressler, LLP or B) You have a 'Literal Boys Club' in where the Clerks are practically working as employees for Pressler & Pressler, LLP. The Judges are signing orders without giving American Citizens Due Process; quite possibly because the Clerks are not sending the original 'Summons' in which you have 35 days to answer. The Clerks may be using outdated addresses; or in the interim not sending them at all. The Judge in the above audio tape is obviously not in the 'Boys Club' as his actions were 'by the book' and most definitely should be commendable as he saw through the deceitful ways and practices of Pressler & Pressler, LLP.

So you have the New Jersey Supreme Court to the Advisory Committee on the Special Civil Part tie-in, the Fair Debt Collections Act as well as numerous Rules of Court & Procedures in which once cornered; Pressler & Pressler, LLP will hide behind to get cases adjourned, and use numerous scare tactics to make you think that you are the one that is wrong here; when in fact it is the other way around.

I received an interrogatory from the pariah in where it they ask me to give them all kinds of information including current & past address etc...People get these and immediately answer them because they will put in their cover letter that you have 30 days to answer it; and then state the law in which you have to answer the interrogatory. It is recommended that you answer this within the time period, because you do not want to give them any kind of ammunition to use against you. You can lose your case on this fact alone. HERE is the interrogatory.

In question #1 they are asking me to give them my entire defense case; are they serious. I do not even know these people and they want me to turn over information that is none of their business. Here is the problem with interrogatories in the Special Civil Part. First thing is that it is Unconstitutional as with anything legal that you sign, because you are not afforded the right to invoke your Fifth Amendment; because you are required by law to sign this document, and you can be prosecuted if your statements are found be be 'untruths'. Second is that this document will usually come within the first two weeks of you filing your 'Answer' in the court and you are expected to answer this document, even though the party that is suing you has yet to prove that they even have 'validity & claim' so you are turning over your personal information which will be used against you because the party; namely Pressler & Pressler, LLP has no case at this point and are trying to get you to 'become one of their employees' by doing the work for them.

The worst cases are when people get scared enough to answer the interrogatories and will include their bank accounts, places of employment, family member names and Social Security Numbers; as well as monthly budgets. This is very dangerous because you could wake up one day with your entire bank account on lien by these people. They like to do this on the first week of the month, or the third week of the month knowing that this is when there are monies available in peoples accounts. In my opinion, the interrogatory questions; unless ordered by a Judge, should only be answered in one statement for each question; Dear Pressler & Pressler, LLP: VALIDATE THE DEBT!

Honestly, would you pay a speeding ticket without there being actual proof of not only the ticket, but of the violation? Of course you wouldn't and I wouldn't either. Learn about Due Process.

So how can companies like this exist and continue to thrive? By Law; they are not allowed to. We must all educate ourselves concerning Collections Laws. Just like you and I had to learn the 'Rules of the Road' in order to get our drivers licenses, you have to learn the 'Rules of the Road' in Collections Laws.

I have attached some of my Court Documents below. All personal information was removed. Feel free to use them at your discretion, but understand that I am not an attorney so I can not be held liable for you using theses documents, as well as the outcome of your case. I can tell you that all of these documents are per the Rules of Court of Bergen County, New Jersey as this is where all of these documents were filed.

Good Luck to you. Remember that you must learn these important items:

-PATIENCE

-Do not answer any interrogatories unless ordered by the court.

(In certain cases you may answer N/A)

-Learn Rules of Procedure (Link on Page 2)

-The Fair Debt Collections Act (Link on Page 2)

-Rules of Professional Conduct (Link on Page 2)

Interrogatory From Pressler & Pressler

Validation Letter To Pressler & Pressler

New/Better Validation Request (Not Included In Case But Better)

My Motion To Dismiss

Letter To Court Clerk Included With Motion To Dismiss

Adjournment Request From Pressler & Pressler

My Answer To Claim

Pressler & Pressler Settlement Letter

They Think That My Motion To Dismiss Won't Be Heard

Some of these documents are modified from the documents at PresslerClub. I wish to thank the owner of that webpage for getting me started in the right direction concerning my case. There are other great documents including Federal Complaints against Pressler & Pressler, LLP on this site so be sure to check that great webpage as well.'

MORE TO COME SOON!  *The Document Links Are up at www.caipnj.org.

Bloomberg Soloman and Associates  October 5, 2007

Back in July of 2007 I received a phone call from a lady who claimed to be with the "investigations department" regarding a check fraud issue. I immediately called back. This business is located in Marietta Georgia, and I am in Denver, CO. She said that back in 2003 I wrote a bad check to a pay day loan place... which is not true, considering I never received ANYTHING in the last four years regarding a bad check, or a loan that was not paid off. I asked her to verify the company. Ace Cash Express, which I did indeed borrow money from, BUT paid back. I told her I had no idea what she was talking about, and then she proceeded to explain to me that if I indeed did not write a bad check that I would have to provide an affidavit with my signature to this company. Things got heated when I asked her to provide a little more information. First I asked how much the debt was for. She said 1500, but if I paid by Friday (which was three days from the call) that I would get it reduced to 500, and she would be nice enough to knock of the "warrant fee". She said that she would take credit card or money order, but if I failed to pay by Friday, they did have a warrant for my arrest. She said that I could find that information through the county which I had wrote the bad check, but she said she couldn't verify it, I should KNOW. I then asked her to send me information, and she got very rude and said, "I don't have time for this right now, I have other people to deal with, so call me tomorrow." And then she hung up. Naturally I was worried because I didn't know what was going on. So the next morning I called again, and started off by saying before I started anything, I needed to know exactly who HER company was, written documentation of the debt that was owed, who the check had been written to, the date, the check number, and the initial amount of the loan. She said that she was with the investigations department of Bloomberg Soloman and Associates, and that they were a law firm.

Alliant Law Group  October 5, 2007

Kept getting calls from some group called "Alliant Law Group". Didn't know anything about them, so I never called back. They called one day and I took the call, and a man who sounded Indian (very thick accent) said that they had a collection account for me on an AT&T bill, and they wanted payment. I said they needed to mail me proof that they actually had a collection account from AT&T on me, but he wanted payment. I told the man I knew the law and that he had to give me proof in writing of the account, and to mail it to my address, which he had (he read it to me)Never got any mail from them, and it has now been 2 weeks, but the calls keep coming.

Erskine & Fleisher, Ft. Lauderdale  October 5, 2007

They represent Colonial Credit Corporation, have sent me orders to appear, want me to fill out lots of banking information, stocks, tax info, and I have ignored their orders to appears they sent me. Now I got from the sheriff a notice to appear again in 3 weeks. Help me!!

Escallate fka Fidelity Credit Management  October 5, 2007

A few years ago, I had to deal with Fidelity Credit Management and an idiot named John Logan. They could not validate then and deleted from my credit report and ceased collection effort. Well, got an alert from Experian that the "debt" they could not validate in 2005 has shown up on my credit report as "Escallate LLC".. Google search says they FORMERLY known as Fidelity Credit Management. FCRA violations, anyone?

Takher Collection Agency  October 5, 2007

Takher has been calling for a few weeks now asking for my daughter but badly mispronouncing her name. When asked what it was they wanted they stated that they were a credit reporting agency and needed to talk to her about her credit report. When I called them back after checking out their name and not finding it here, but it was in who called us and debt collectors.com, I again asked them what type of agency they were and they reconfirmed that they were a credit reporting agency. What I have found out is they are claiming to work for BMG but they deny it. They are trying to collect on a debt of 28.00 and there is and never has been anything bought and not paid for. I have sent a cease communications letter. Will see what that does because the man that was on the phone stated that he knew the law and he could call m as many times a day as he wanted to. Thanks for the wonderful site.

IDT Carmel, Inc/ People First Recoveries  Sep 26, 2007

Tonight I received my third call from people claiming to be 'IDT Carmel' when asked to identify themselves. They claim to be attempting to collect a $5,000 debt they claim my husband owes. They read intimate details of his credit report to me over the telephone. They then proceeded to tell me he owed this money for an ATV or Motorcycle he stopped paying on in 1999! That is over 11 years ago! My husband has never owned a motorcycle or ATV! They picked the wrong person to mess with. I worked for an attorney for 20 years who did some debt collection (and I have to add here, that he was a very fair man and NEVER engaged in any of the practices I'm seeing here and experiencing). I know my rights under the FDCA. If this debt was ever owed, under MCL 600.5807(8) andMCL 440.2725(1) the statute of limitations ran out 5 years ago! The person on the phone tried to tell me they were going to garnish my husband's wages on 'Monday' and said that the statute of limitations doesn't run out on this debt for another 3 years. I told her if he owed it, in order for the debt to still be collectible, they would have to have a JUDGMENT already! She at first tried to say that they had one and then backtracked and said they would be getting one on Monday.

I scoured the Internet and found this:

<<January 17, 2007 -
NEWARK, N.J. -- January 17, 2007– IDT Carmel, a subsidiary of IDT Capital, today announced the formation of a joint venture with First Financial Portfolio Management. IDT Carmel is a receivables portfolio management and collection company. IDT Capital is a subsidiary of IDT Corporation (NYSE: IDT, IDT.C), a multinational corporation with operations in telecommunications and other industries.

"IDT is a nimble entrepreneurial and opportunity seeking company," said Jim Courter, CEO of IDT. "In the recent past, we saw opportunity and success in the entertainment industry and the Russian broadband and wireless markets. We now see opportunity in the receivables portfolio management business. We've created IDT Carmel to explore this industry."

The joint venture has agreed to purchase 12 monthly forward flow credit card debt portfolios from a major commercial bank beginning this month. The total investment will depend on the size of the portfolios provided by the selling bank.

Since its formation in mid 2005, IDT Carmel has purchased $296 million of face amount of receivables. IDT Carmel's collection operations are currently collecting approximately $255 million in face amount of debt. >>

So, these people have purchased a huge portfolio of very bad debt and they are going to be very aggressive trying to wring any money they can out of debts that are probably all expired due to SoL.

Their address is: IDT Carmel - a/k/a Peoples First Recoveries  2080 Elm Street   Minneapolis, MN 55414

Phone calls come in from: (651) 332-5513   but they leave a return number of: (866) 561-5381

These people are dirt.

The Law Offices of Kirk A. Cullimore  October 1, 2007

I don't remember if I submitted this guy's name before or not. If I did, my apologies but it bears repeating.

I will try to avoid peripheral information that is not relevant to the facts.

This attorney specializes in collections. His calendar is filled with almost 40 cases per day that he gets to take to a judge to have them all ruled in this attorneys' favor. His favorite trick is to either (1) not send out the summons or (2) send them out LATE. Either way the individual has no chance to appear to plead his or her case and is found in default/contempt of court and a judgment is entered against said individuals. Not to mention a small bench warrant for his or her arrest and the information placed on his or her credit. I am sure that other people have had similar dealings with similarly disgusting tactics from this attorney and many others. To say the least it is very frustrating. There should be an open season on attorneys. No limit.

Anyway, since this has happened to me I am left with a bad taste in my mouth. I have sent this attorney and the OC requests for validation. I have further documented their violations of FDCPA/FCRA. I have also sent the OC a First Set of Interrogatories. If necessary, I will send a Second Set of Interrogatories. This is so the OC's attorney bills will skyrocket and the OC will hopefully settle in lieu of continuing to chase after me. So far I have ran their legal bills up to well over $5000.00 (it will be considerably higher in the very near future) when the alleged original debt was just short of $700.00 I offered to pay the OC the original $700.00 for this to go away. NOPE! (I knew they wouldn't but it was worth a shot.) They want the whole enchilada. So I went out and made my wages, bank accounts and property judgment/lien/garnishment proof so even if they win they won't get anything. Well, today - September 28 - I received yet another summons to appear in court. Soon I will be off to the courthouse to file yet an answer. I am going to include copies of ALL of the correspondences between myself, the OC and the attorney. Hopefully the judge will look at all of this and tell the attorney and the OC to go jump in a lake. (That was the G-rated version of what I hope the judge actually says.) We will see.

This guy is truly a snake but then again so are most attorneys. He has been sued by other attorneys for abuse and violations of FDCPA/FCRA. I am going to research these cases and use them as evidence in my defense.

Remember the name: Kirk A. Cullimore out of Sandy, Utah. License number 3640. There is another guy in his office now who I have not heard of. His name is Derek J. Barclay. License number 9127. Their address is:

644 East Union Square
Sandy, Utah 84070
(801) 571-6611

Oh, I used Bud's cease and desist (I call it "cease exisiting") letter, it was promptly ignored and further contact continued. So I have that in my favor as well.   (Nice name for it, but it's a cease communication letter...)
 
I got some good info and help from debtorboards.com as well. That site has good things to say about Bud Hibbs.

IDT Carmel, Inc/ People First Recoveries  Sep 26, 2007

On at least four different occasions within the last 3-4 weeks we have received phone calls from this agency seeking to locate my step son (30 yrs old and hasn't lived with us since he left home for college, years ago). Each time I have informed the caller that he doesn't live here, we have no contact with him and no, I have no idea where he currently resides. Also, I ask that they no longer call our home in their efforts to locate him, as we can be of no help to them. On one occasion a young woman with a British accent got on the line and began berating me for "covering up for him". At one point she told me I was wasting her time with my lies and that she demanded the truth from me "or else" - I have no idea what the or else means. When I asked to speak to her supervisor, she told me she didn't have to do that and wouldn't. When I asked that they no longer call our home, she laughed and said she could honor that request but wouldn't. In my sixty years on this earth I have never been treated with such disrespect as displayed by that young woman in that prolonged phone call. Again yesterday I received a call from the same collection group seeking my step son. Again I went through the litany about no information and then asked for the fourth time that they no longer call our home - by this Accounts Manager, I was informed that they couldn't take my number off their call list until I had provided them another phone number for reaching my step son. When I asked to speak to his supervisor, he informed me he was the supervisor. When I then asked to speak with his boss he told me that wasn't possible. When I asked for identifying information about his employers, ie. name of their company, he gave me IDT Carmel, Inc. I then asked for an address and was given their address of 2080 Elm St. Minneapolis, MN. When I googled that address I found only information about People First Recoveries not IDT Carmel, Inc. How do I get these people to leave us alone?

Gugliemo & Associates Sep 26, 2007

Guglielmo & Associates recently sent us several notices regarding a debt that we have been paying back with the original debtor. My husband and I were not making enough money to pay all the bills and this debt went to collection. The first attempt to collect was made by Sam Streeter at Law. When I followed Bud Hibbs advice and asked to speak to Sam Streeter, I was given the usual run around - "He is in Court. He does not speak to people we are collecting against until we reach court. We do not have to provide documentation as this is a valid debt. etc, etc." Once I sent a letter requesting valid documentation and that the law requires that I speak to Sam Streeter if I request to do so, all contact with this Law office ceased. Four weeks later, however, the same account was suddenly being handled by Gugliemlmo and Associates. One week after we received the first letter from them, they tried to contact my husband's employer to verify that he worked there so they could place a lien on his check ( without a court order!) Luckily, the personnel office at my husband's work refused to verify his employment without a court order and they told my husband. They still call him at work, and leave messages. We have sent a certified letter asking for documentation on this account, but I am afraid that they will try to sue us. If you receive any notices from this company, Act at Once! Send a letter asking for validation of their claim and demand to speak to any attorney. I warn you, though, that the "Attorney" will sound exactly like the original caller on your phone.

Brumbaugh & Quandahl Sep 26, 2007

An update; Would have updated sooner, but have been off line for awhile. I have hired a lawyer. He thought he could get them to give up because they are trying to take the title of my house away from me to stick it to my 93 year old mom, who has been diagnosed with dementia.

B&Q set a court date for January to try to undo the life estate we have my mother's home in. It is in January. I knew nothing about this until they sent by mail copies of the papers we were served with. I immediately took this to the lawyer. They said they weren't right and that we had not been properly served in the first place. I have a new name for this bunch, Bumble & Quandry!

On top of ignoring at least four cease and desist letters, and now this! Plus my mom has a homestead exemption which still stands, even with me as title holder. How many more federal laws can this outfit break and still keep getting away with it?

Continental Service Group  I was contacted by this collection agency ConServe aka Continental Service Group, Inc 200 Cross Keys Office Park, Fairport, NY 14450. the collector was very abusive to the means of threatening my life "was going to come down there and shoot me and my family if I did not pay 9,658.28... they said that I had a truck diver school loan...I work at Wal-Mart. I told him that I never drove truck or have a license to do so, he said it was because I did not pay for the school. he could not tell me where the school was not even the state. Then he said that this might be fraud so I gave him my ssn and address, in hind sight he tricked me in to giving all my information to him, then he said that I had other debts there some other school loans totaling in the amount of 22,645.95 After a couple of weeks of talking to this guy, he put other guy on the phone, that he could make me a deal, if I was willing to pay him 1000.00 he could make all this go away { he would bury this so no one would find it} because he liked me, he gave me a po box # and an address in Rochester ny to send him the money, in which I found very odd. after I refused to do so the collector said that he was going to contact police and have me arrested for bank fraud and he said that a Mr. Davitt their lawyer was going sue me for 4 times the amount owed to conserve . They still call all the time from 7:45 am until 10:00 pm, my wife said that one day they call 37 times. I have contacted my local police dept and they said to change my phone number, but I feel that I'm being made to do so for reasons out of my control and should not have to but I will, This has scared my wife so much she wants to move. but we have not received any letters from them, so I think that we are safe from any physical harm, but I don't know who these people are and what they could do so any information would help, other than what I found on the internet  (Call us if the harassment doesn't stop - we'll give you the owner's phone and address so you can speak to him personally.)

Nathan & Nathan Law Office, Debt Collector, Birmingham, AL.  Sep 19, 2007

Nathan & Nathan Birmingham, AL is part of the debt collectors using debt collection law offices with the junk debt buyer Household Finance. Nathan & Nathan posts on their website how proudly they will aggressive purse collection against debtors. I am caught up in the unethical debt buyer’s game since a near deadly medical problem preventing me from working full time 2004. On Sept 3, Nathan & Nathan is the latest to aggressively purse a debt that Household purchased very cheaply from Capital One. My credit was excellent until the medical problems proved overwhelming. Nathan & Nathan does not even have my name which sustains Household bought written off debt portfolio lacking most of the information. They have my former "Title" that was on the Capital One account card that Household Finance purchased. They tried tried getting my full update information without success. I know they will not be able to present a debt validation. Their initial letter was poorly faded photo-copy barely readable, indicating they were mass mailing notices from large portfolio soliciting a “settlement” with most persons. Initially, their benevolent game wanting to work something out with you they want to help you dissipates quickly. When they received the first certified mail requesting full debt validation request. The façade comes down, and threatening letters and calls result using scare tactics to sue you by a certain date if you fail to pay. In my case they changed the names of their client from Household to Capital One. It appears that when Nathan & Nathan is confronted with a debtor asserting their legal rights to be observed, you will receive nasty letters of intent to sue. I am standing my grounds on this one. Sent second certified mail with signature required 09/14/07, the constant calls ceased since within the scope for debt validation included cease and detest all communication until they comply with my legal rights for debt validation. I do anticipate to be served in the near future

Peak Financial Services  Sep 19, 2007

A new player in the low-life scum-bag group of collectors. Numerous phone calls in one day and when informed to contact us by mail caller said, "It's gone beyond that now!"

This is Peak Financial Services, 2333 W. Northern Ave, Suite 4, Phoenix, AZ 85201 using the number 602-249-3428.

Action Financial Services  Sep 19, 2007

This company called my 80 y/o grandmother's house (she's on hospice care) and left a message saying they had "disturbing news" regarding me and I needed to call right away. My grandmother (who is homebound) actually drove 20 miles to my house because she was afraid something had happened to my kids. When I called the company, they denies calling even tho we have the message on her machine. It was in reference to a credit card that was 5 yrs old and I had used it to pay for funeral expenses on my dead son. I was a single mom and I still have not recovered from the medical bills. The man I spoke to called me a "bum", "immoral" and "dishonest" and demanded that I pay what he ordered "today". When I asked if I could pay it out, he said "Nope. Get another job or borrow it from Ernest" He had my dead grandfather's phone number. When I said he had died in 1999, he said, " Too bad". This man called me names, left a misleading message on a family member's answering machine. I reported them to the FTC.

Eltman, Eltman & Cooper PC  Sep 17, 2007

We received a letter from Eltman, Eltman & Cooper PC stating we haven't responded to any prior attempts to resolve our obligation and to take this opportunity to resolve your debt at a discount. The firms client, LVNV funding LLC has authorized the firm to settle at a discount of 75% of the current amount due. The firm client has further authorized us to extend this offer to you with the understanding  you may settle this obligation in lump sum by 10/06/2007 or by making three installments payments to us as outlined below.
Current balance owed $$$,$$$,$$$  settlement amount $$,$$$  or three payments $$,$$$

You should be aware that this offer is only good upon our receipt of the three payments as indicated above or the single installment by (). A dishonored check shall void this offer. if you are unable to accept this offer but are interested in discussing an alternative arrangement our account representative can be reached at 877-439-8800.

The Creditor was GE Capital.  My husband never had a account with GE Capital, Never mind owing this kind of money. His highest amount of credit was $1000. This does not even show on his credit report.

D C Brown & Associates  Sep 12, 2007

Got a call today from a Joe Salagro of D C Brown & Associates. He immediately transferred me to a Mr. Eason, who was the absolute rudest person I've ever had the displeasure of hearing. After an argument with me concerning him not wanting to give me his first name, he hung up on me. I called the number on my caller ID back, and the line was answered by a David Noble. He informed me that the call was being recorded; I returned the favor by turning on the recorder on my cell phone and told him he was being recorded. He promptly hung up. I then called the number several more times; every time getting hung-up on (I guess they have caller ID, too). I then searched online and found a Corona, CA, business license listing for:

D C Brown & Associates Inc   1655 E 6th St Ad4   Corona, CA 92879

with a mailing address of:   3514 Broken Feather Dr.   Norco, CA 92860

The phone number listed (951-735-9988) was different from the phone number on my caller ID, but it was the same group that answered the phone. Once they found out it was me calling (asking for them to confirm their address and give me their fax #), they hung up on me, and kept hanging up on me every call thereafter.

Bottom-line, these guys are very rude and seem to want to intimidate someone with threats of a summons or IRS involvement. As stated earlier, I found a listing for D & C Consultants with the same phone number as listed above.

Hope this helps :) DON'T PUT UP WITH COLLECTOR ABUSE!!!

Bidna and Keys  Sep 12, 2007

Bidna and Keys has been really sneaky on trying to collect an old debt. They even filed a proof of service with the Los Angeles Superior Courts when they never ever had served us. They claimed that an Adam Brand who resided on our property was served with our paperwork! Ummmm never met an Adam Brand. We have been advised to seek others who have been falsely served to prove to the courts that they are coming up with sneaky tactics to collect debt. They also left messages and contacted my husband at work after a suit has been filed on their part to "settle" the debt. It is up and coming debt collectors such as Bidna & Keys/ Oliphant Financial that needs to put behind the slammer. Thanks again to Bud Hibbs for educating consumers about not being taken to the cleaners by shady unjust mob like collectors.

Tyler & Morgan  Sep 12, 2007

I received message on my cell phone from Donna Dettnam (?) of the Law Offices of Tyler & Morgan telling me they would be expediting litigation against me the following day in my county unless they heard from me that very day. There was also a message on my husbands business phone adding that they had researched my employer. THEN this gets fun, this same "lady" called my husbands ex-wife and adult daughter and repeated the information about filing litigation against me, a woman who lives with your ex-husband and father (I actually married him 1 year ago) and they need to contact me etc. I called my attorney who I had consulted some years back and she told me that this person was just trying to embarrass me and that the SOL had run out and they could do nothing, so I ignored the call. Needless to say, no litigation came on my doorstep. 3 weeks later, she called all three numbers again, yes, the ex-wife too and this time went so far as to say that our car (financed by both of us) our house (owned by my husband), his farm equipment (owned by him) is in jeopardy due to the litigation that would be filed the following day unless they heard from me that very day (again with the very day crap). I had my husband go to his ex-wives house to record all of the calls this stupid lady was stupid enough to leave on answering machines. I then bought a recorder so I would be prepared when and if I called her back. Well, the following day, she again called my husbands business phone answering machine with threats to our house, car and farm equipment. She each time said she was calling from the LAW OFFICES of Tyler & Morgan even though the first time she called, I did a google search and a yellow pages search and found no such law firm, the phone number was from Florida.

Premier Recovery Incorporated  Sep 12, 2007

PRI is not listed in your Agencies to Avoid. They called on 26 Aug for my wife. I took the call and the caller identified himself with PRI about a account. I informed the caller my wife was not available and identified myself as her husband when asked. The caller then identified himself as a "Pre-Action Certifier". I asked some questions such as if a collection notice was sent. He said it was mailed a few days ago and I told him it probably has not been received but when it does arrive my wife would mail a written request for validation. There was some more conversation about what constitutes validation. The PRI representative became very offended that I had knowledge of FDCPA and immediately said "notwithstanding receipt of the letter Sir, do you wish to take care of it voluntarily" and then said "are you stalling to make payment of this debt as validated". There were a few unpleasant comments in reply from me and I ended the call . . . and the digital recording.

On 1 Sep I receive a second call from PRI. The wife is truly not available and during the course of conversation I mentioned the first call and the second PRI representative pulled up the call notes and found an entry that said "refused to make arrangements".

I informed the second PRI representative that called that a written request would be mailed based on this second call even though a collection notice has not been sent and the call ended.

Ironically a collection notice dated 29 Aug was received this weekend.

Having no affiliation with the account I feel they they violated the FDCPA when they went beyond informing me about their collection action on my spouse and what it was for. The attempt to collect from me despite having no affiliation with any such account is harassment and the call note entry is blatantly false and misleading.

I filed complaints with the FTC and Texas Attorney Generals Office this weekend, and made an email request from ACA for a complaint form so I could file a complaint through ACA about PRI. Additionally I included a two page complaint letter with my wife's validation request to PRI and informed them the calls were digitally recorded as allowed by Texas One-party consent to communications.

BOXCO  Sep 12, 2007

Newest worst collection agency called BOXCO. A person will knock on your door to pay debt own to cable companies such as Comcast. This person knocked on my door 7 times in one month. Police were called to verify the identity of this man. He claimed that he worked for BOXCO and was going to disconnect service. Comcast can disconnect service right from their office. In fact, this is dangerous for any person to let a collector knows who lives at home.

Jacobs Law  Sep 10, 2007

WARNING - Jacobs Law Group

The Jacobs Law Group has been calling and calling, every day, a couple times a day. I have not received ANY letters from them so I don't know what they want. I think they should be required to write people before they start harassing them by phone at all hours.

I looked them up on lawyers.com, and here's a list of their clients. Looks like they are representing some really scummy bottom-feeders. Jacobs is not on Bud's site per se, so I'm wondering if this is a new tactic -- getting a law firm that is not yet on the list of Worst Agencies so we can't check up on them.

I'm recording all of their messages left on my machine, just in case. No real "law firm" is open until 9 p.m., so it HAS to be a junk debt deal, don't you think?   Be warned.

Firm Size: 6   Representative Clients:

AMC Financial, Inc.; Amax Business Finance Corp; Arizona Premium Finance Co. Inc.; Asset Invest Recovery, Inc.; Automated Currency, Inc.; Baker Street Ventures, Inc.; Boathouse Sports, Inc.; BodyView, Inc.; Cademartorl-Imports of Italy, LLC; Capital Recovery Services, Inc.; Cellular Central, Inc.; Chase Manhattan Bank; Coachmen RV; Delta/BJDS, Inc.; Denville Scientific Inc., E-Mortgage Management; ETI, LLC; Fabricated Components, Inc.; Fleet Truck Center; Float LLC; Fusion Telecommunications, Inc.; Genactis, Inc.; Michael Graves & Associates; MRI Scan Center; Ohio Heart, LLC; PDP Enterprises, Inc.; Pennsylvania Business Bank; Route Messenger of Pennsylvania, Inc.; Silicon Power Corp.; Sun Moon Star, Inc.; Tower Investments, Inc.; Waring Investments; Wireless Central; Yampolsky, Mandeloff, Silver + Co., PC.

Nelson Watson & Associates  Sep 7, 2007

These low life scum are attempting to collect $34K + on an out-of-statute
debt (2001) that had a balance of $13,000 (the extra twenty grand is for "interest"). Of course they will be receiving the Cease Comm letter.

They operate out of Haverhill, MA (80 Merrimack St and PO Box 1299) and use 1-800-388-1190 as their primary number contact number.

Crescent Recovery, LLC Sep 7, 2007

These morons sent a letter regarding "Your Financial Privacy at Crescent Recovery, LLC." In the letter they want you to "opt-out" of their information sharing program by returning the bottom of the letter stating how you want to opt-out of their info sharing. GOLLY, do you think this is just a sneaky way to verify an address? These low-life scum are getting more and more clever by the day!

Bidna & Keys  Sep 7, 2007

These guys are now working with Asset Acceptance LLC from Warren, MI. They are trying to collect on an account that has been inactive for over 3 years. This is the address:   Bidna & Keys  
5120 Campus Drive   Newport Beach, CA 92660   800 506 2652

Vericore  Sep 7, 2007

I was contacted by a Mark Reese stating that he is a private investigator that will be coming to take pictures of my home, vehicle, company assets. He said that he will be looking into my company banking, talking to the vendors that I do business with, contacting the sec. of state and other threats. He gave me a number and name to call and when I did they weren't available to let me know what this is in regard to. It seems that this company is a scam according to remarks that I have found. Does a agency such as this have the authority to get all my personal and company history w/o providing the reason or who "hired" them?

Vericore  Sep 5, 2007

Received a voicemail message from a Vince Russo, who said he was a private investigator scheduled to come down to our property to take pictures of our home, business and any assets. He said that they were in the process of contacting the Secretary of State , all our friends, business associates, families, Better Business Bureau, County Clerk, etc. He then gave the number of his client, Vericore. Phone number 800-375-3186. I called Mr. Vince Russo who told me that he did have a private investigator scheduled to come down and take pictures. When you call Vericore back, they state they are an Asset and Liability provider, however, they are just a collection agency using tactics to scare you.

Robert Goldstein/Lenahan Law Firm   Sep 5, 2007

Approximately one year ago, my mother was served by a civil suit form a Columbia, South Carolina law firm representing The Lenahan Law Firm. I contacted a local attorney and provided information, much of which was thanks to Bud and his web site. I filed had previously filed a complaint with the New York Attorney General, Elliot Spitzer.

Armed with the information, my attorney called opposing council and explain the Lenahan Law Firm's history of illegal and deceptive practices, as well as numerous law suits filed and won against Lenahan Law firm and some odd thirty or more entities with which they operate, as well as their history of falsifying documents as well as debt validation.

Graham, Beagle & Associates   Sep 5, 2007

(716) 836-1907  Toll Free: (877) 836-3100  3411 Bailey Avenue Ste.1, Buffalo, NY
GRAHAM BEAGLE AND ASSOCIATES, INC.  1717 FILLMORE AVENUE  BUFFALO, NEW YORK, 14211

Owner: Omar Smith   Bridget Smith and our friend from the Lenahan days, Chris Pompeii

Laurence Hecker   Sep 5, 2007

On August 27,2007 I had a voicemail from a Cheryl Basey at Laurence Heckers Law office regarding a Providian account. When I attempted to call Ms. Basey back, I got a voicemail that said to punch in the first few letters of the last name of the person I was trying to reach. When I did this it said it did not recognize this name. Today,  I received a form letter from this same Law Office. No names, no signatures. Just a demand that I contact them within 30 days to make arrangements to pay this debt. The letter actually stated in the upper left hand corner that it was a first demand. As I was opening this letter, a call came in which I sent to my voicemail. It was from a Gabe Hoffman at the Law office of Laurence Hecker. He also stated word-for-word what Ms. Basey had said Monday. (obviously scripted) He demanded I call him by 9:00 p.m. eastern time. When I did call, once again I got a voicemail, and once again the name Gabe Hoffman was not recognized. This is the third in a series of Letters of Demand I have received from various laws forms regarding the same bogus account. The first came last August from the Law Offices of J. Michael Dendy. I sent him a letter asking for additional information, and letting him know I would only communicate by mail so I would have a printed copy of all "conversations". I never heard from him again. Six months later I received a letter for the law offices of Hollis Price Jr. This time I sent Buds letter....certified. Never heard from him again. Just a note...both J Michael Dendy and Hollis Price Jr. had the same return address in Texas. now here it is six months later, and once again I have received a letter from another attorney. So far no one has given me any information about this "account" other than that I owe THEM money! Tomorrow I will be sending Laurence Hecker your letter (certified of course) and see if they come back at me in six months under another name.

Premiere Credit of North America   August 29 2007

The phone number 522-417-4563 is Premiere, but the call is coming out of Mexico. I found this info on the internet  Premier Credit & Collection, LLC Legal IMPACT CAREER DEVELOPMENT, L.L.C. Prev Legal

Charter Number: LC0032210 Status: Active Entity Creation Date: 10/12/1999 State of Business.: MO
Expiration Date: 12/31/2050

Agent Name: JOYCE NICHOLS Office Address: 404 ROUND TOWER DRIVE ST. CHARLES MO 63304

Organizers   Name: GILBERT W. NICHOLS Address: 404 ROUND TOWER WEST DR. ST. CHARLES MO 63304.  Perhaps pre-texting should be reported to the FCC.

Worldwide Recovery   August 29 2007

These bullies purchased debt from Shekinah, Inc. Reps:"Don Terry", "David Thomas", and "Jerry Thompson". They work off of their Verizon Cells out of Santa Ana--They refuse to tell you who they represent. They called my place of employment, spoke with my employer, questioning the size of the office, number of people working in it, and wanted to know my working hours. One of them recorded my employers voice from him after hours message, and used it with my underage son to obtain my work telephone number. They are lunatics. I am seeking legal representation against them. Worldwide Recovery---who are these men who think they can use whatever illegal means to contact you?? I can't even find this organization online. I have two area code (714) numbers I can't get crossindexed on, and can find no legal street address. Is there anyone I can contact to report this company. It seems they are protected, and we are not.   Worldwide is LUIS VASQUEZ 1820 E. GARRY AVE., STE. 107 SANTA ANA, CA 92705 Link  They can be reported to the California State Bar, Attorney General.  Send us the new 714 numbers for our database please.

First Resolution Management Corporation   August 29 2007 

I am posting this one on behalf of my sister who is living in a Hospice facility in Long Beach California. She is dying of cancer. FRMC (First Resolution Management Corporation) contacted her on behalf of a debt that her husband supposedly owes who happens to have Alzheimer's disease. When she told the collector this, the collector replied by saying "I don't care, I am going to call every day"! Bud, please post this one.

Chris Carnohan   August 28, 2007 

An even lower low for Chris Carnohan, operating out of Texas.  This debt collector attorney has a front operation, allegedly a  non-profit, called the "Texas State Troopers' Benefit Fund."  The caller ID just says Tx, giving the appearance that it is a  government call. When one calls the number, 325-574-1003, a recording responds.

What they do is capture the target's name and phone number from caller ID.

Some are set up in such a way as to avoid caller ID blocking. A  number of debt collectors are using this tactic, a phony foundation  that is designed to entrap the unsuspecting caller. Maybe the debt  collector donates a quarter to the foundation and donates the pittance  somewhere to give it legitimacy. Some will leave a message stating
that if you give your name and phone number they will remove you from the list.

The true purpose is to get you to respond and get you ID.  Mr. Carnohan operates via a number of LLC fronts - and he donates handsomely to the re-election campaigns of certain judges.  I guess it beats honest work for a living.

Premiere Credit of North America  August 28, 2007    (See April 4, below)

For 2 months I've been receiving an automated messages every day and sometimes several times each day that shows up on caller id as 522-417-4563 Unknown Caller. This message states it is not a sales call and that I have been listed as a reference and to call this number during regular business hours 866-808-7286. I finally called the number and it is Premiere Credit of North America LLC. They are a collection agency that the Dept of Education has contracted to collect defaulted student loans. I have had an ongoing dispute regarding my student loan since 1999 that remains unresolved after notifying each of the previous 6 collection agencies of this dispute. Last week, I answered the phone and it was a lady claiming to be from the Garnishment Department of the Department of Education. The call showed up as a local cell number on my caller id. I finally got this person to properly identify that she was not from the Dept of Ed., but from Premiere Credit. Since this person seemed to have a higher intellect than the rest, I advised her of my dispute etc. and ended the call. I learned after speaking with this lady that she had contacted my father BEFORE she called me. She told him in detail about my defaulted student loan and wanted to know if I had a job and where I worked, which I believe violates FDCPA by telling a third party about my debt. This lady had my current and correct telephone number and still felt it necessary to contact a third party. This weekend I received hourly automated message calls from 522-417-4563 that started at 10:30 am and ended at 8:52 pm. I did a Google search of the number and it comes as no such area code or location. Premiere Credit of North America LLC is another example of why collection agencies are referred to as losers and bottom feeders.

Claims America  August 27, 2007 

This company has called my ex-husband's residence (divorced in 1987) left a message on his voicemail and disclosed to him they were bringing a "civil action" against me for a credit card from Providian that I have a recent credit report showing it was closed by Providian in 2001. He then disclosed the same information including the amount to my daughter who called to see who he was. I purchased a new car last year and the credit report was updated with a current phone phone. They have also called my employer and left messages there also.
If he continues to call everyone in my family and disclose collecting information and refuse to give an address of where he is I will be filing a complain with the Federal Trade Commission.

Congress Collection Corporation  Southfield, MI  August 27, 2007 

This is a collection agency based in Southfield, MI. I hate to have to admit that I worked for them. They specialize in collecting off of car accidents and medical accounts, THEY ARE NOT HIPPA CERTIFIED!!

You get into an accident and have full coverage and the guy that hit you does not, they now go after the person who has no insurance (or maybe he does), they threaten to take him to court and suspend his license and claim that he will be fined by the state of MI for driving illegally. If it is an out-of-state accident, they will call the person(s) involved and obtain the insurance info and push a claim through to get paid.

Some insurance companies pay to be part of our No-Fault Law, they do not investigate this before making a claim.
As far as the medical accounts, any employee at this company collects on any type of medical. They are not HIPPA certified and will call you diligently to get paid, threatening your credit report and threatening garnishment even though they have no means to pursue garnishments.

I personally had an account that the statute of limitations had expired, the account should have been closed. The lady mailed a check and a promise to pay note, they opened the account back up and credited her the amount on the check when in fact they should have sent the check and promissory note back along with a letter of explanation.
These people are crooks, they push for post dated checks which by the way is illegal and they will tell you lies and be deceitful to get you to pay. They violate the FDCPA on a constant basis, they never give the mini-Miranda, they have had several small lawsuits that I personally am aware of.

Real Time Resolutions, Inc. Prenovost, Normandin, Bergh & Dawe, Attorneys  August 27, 2007 

To the lady who has been dealing with Real Time Resolutions: Yeah, my elderly brother-in-law was being hassled last year by these nincompoops and their attorneys over a time-barred debt WHICH HE DID NOT OWE. I told him to stay OFF the phone, because all they were trying to do was to reage the debt. He finally fired off a cease communications (VIA Certified Mail with return receipt requested) letter to both Real Time Resolutions and their attorneys, threatening to file formal complaints with the FTC, our State's AG's office and with the California Bar if they didn't leave him alone. It WORKED. He sent the letter last September and hasn't heard from them since!

United Collections Bureau  August 23, 2007 

These people are calling me at work. I told the man not to call me at work and hung up. He then called my home and left a voice mail telling me I was being rude and unprofessional and that I must contact him immediately to discuss a 'legal' matter on behalf of their client. They are also calling my home, my cell phone, and now my family! It is concerning a credit card debt (Chase & Citibank). My husband has been out of work and we are approx 60 days past due on a couple of accts. Today they called my brother and left a message stating they are representing 'a client' who has a case against his sister and it is imperative that he tell his sister to call them and settle this 'case' by 5:00 p.m. today. Is this legal for them to do?

DC Brown & Associates, aka D & C Consultants  August 23, 2007 

D & C Consultants and DC Brown & Associates have the same address, the same phone numbers, and the same crooked collectors as Shekinah, Inc. Crooks like David Brown, aka/David Noble and Dave Gurev use the same illegal tactics in an attempt to get a quick credit card settlement over the phone for a worthless debt. They also harrass 3rd parties, resort to offensive language and threats.

Kirschenbaum and Phillips  August 23, 2007 

These bottom-feeders sued me over an alleged credit card debt almost a year ago to the date, after having sent me a couple of letters and refusing to reply to my demand for validation. I answered their complaint vigorously. They tried-TWICE-to push for a "summary judgment." The first time, I pushed back hard, showing up at court and answering their motion for summary judgment point-by-point. The judge even said to the lawyer-a NYC-based guy who was NOT a K&P lawyer but someone they obviously dragged in for the day-that both the motion and the original lawsuit "ha[ve] serious problems. On the court date for the initial hearing, they failed to show. The case has been thrown out.

Lesson learned: bottom feeders are trying to use "Motion for Summary Judgment" to deny you a day in court. push back. Hard. the cockroaches will scuttle back into the woodwork.

Chris Carnohan   August 23, 2007 

Mr. Carnohan appears to be a true bottom feeder. He hangs out at a local restaurant near the courthouse in Bell County, the Oxbow Steakhouse, and pays the wait staff for information. One employee informed me that he recently paid for information and had his goons harass an older female patron with a disability and living on a pension. This woman became so terrified that she no longer opens her door or answers the phone. She reported that financial documents that come in the mail, such as bank statements, arrive open.

Leading Edge   August 21, 2007 

I started receiving calls from Leading Edge in May regarding an account. The calls continued until early June. Each time they called, they yelled, screamed and called me names. I was angry, but I remained calm while on the phone. First, they said they would garnish my wages, I told them that was against the law in Texas, then one time they said they'd come to my home to pick up a check, the last straw was the day they called me and when I returned their call it took me almost and hour to get through to them. They informed me that day, that they were going to call my mortgage company. At which point, I asked ot speak with a supervisor and told him, I have been recording your calls and you have broken the law so many times, that I'm going to file a lawsuit and hung up. I didn't hear from them for a couple of days and them they started calling again. I answered the phone and the collector started yelling on the phone. I calmly told him I was recording the call and his agency had already broken several laws. He then screamed, "that it was illegal for me to record the calls." I assured him it was not in the state of Texas as long as one party knew the call was being recorded. He got so upset, that he hung up on me. I have not heard anything from them since early June. I'm sure they are in the process of selling the debt. I fully expect to get another call from a collection agency in the future and I will continue to record the calls. Based on what I've read, they all break the law.

Proline Solutions Group  August 21, 2007  By a Collector:

This agency is definitely one of the chop shop agencies that think they can get away with anything.  Namely the 2 crime bosses of the agency Brandon Delprince v.p./manager/collector/shareholder and Patrick Maloney president and primary share holder...

Extreme use of intimidation to not only debtors but collectors as well.  recent incident  Patrick Maloney has been charged with harassment of one of his employees because he was yelling at a Katie Sechler and she went to leave the room and Mr. Crime Boss Maloney put his hands on her to stop here from leaving and did leave bruises...defintely not professional.. Also beware of Brandon Delprine.  I recommend ape this man if you get him on the phone.  He pretty much thinks he get take a baseball bat to a debtors forehead to get the money.

Also ken Bregy, Chris Brosphire, Danielle Sullivan and Tamara Brocius (aka whack job)

WURLITZER BUILDING   1 800 518 4952
PRO LINE SOLUTIONS GROUP LLC.  908 NIAGARA FALLS BOULEVARD  SUITE:245
NORTH TONAWANDA, NY 14120

Forster & Garbus, Esq. Attnys.  August 21, 2007

I have been quite behind in paying off delinquent credit card debts for sometime. I discovered while seeing if a client/friend had made a deposit to my bank account and discovered that my statement savings was in the negative by quite a marginal amount.

I looked into it and found that a "Levy Legal Fee" was made against by "Forster & Garbus" for $100.00.

Both of my accounts are sort of linked an the bank automatically deducts $25 at the end of each month to help establish some level of savings by the end of the year (but I can have access to it if I need it).

I did a "reverse phone search" an found them below:

FORSTER & GARBUS    500 Bi County Blvd.    Farmingdale, NY    (631)-393-9400

I found your website "by accident" when I saw their firm name mentioned some who had a "Sears Account" connected to them...Aren't they supposed to send me a letter? and if they can find my account in NJ, shouldn't they have sent me a letter as well? Upon reading what the lady said above it seems that they could be debt collectors doing there on thing buying "dead accounts"...

Pressler & Pressler  August 21, 2007

I have been contacted by Pressler & Pressler for the 2nd time about an old debt. The first time was for an old Radio Shack credit card from 1995! They sued me and got a judgment- I didn't do anything about it because I didnt know any better. I have since had to pay that because they garnished my paycheck. Now they just contacted me again for an old Verizon phone bill from 2001 on behalf of Palisades Collection. I never received anything from Palisades. I actually spoke with Danielle and told her I have no clue who Palisades was-she explained the debt and I told her that I disputed it and wanted proof. She had the nerve to tell me that there isnt any proof! All she could send me a copy of a bill. I told her all that isnt going to prove anything. I told her that I used to work in collections- at one of your worst actually -and that I have the legal right to dispute and that she had 30 days to provide proof. I sent the certified letter today. Have you heard of Pressler & Pressler? Their address 16 Wing Drive Cedar Knolls, NJ 07927
 973-753-5100

Leading Edge Recovery  August 18, 2007

I'm receiving messages from a Mr. Crews at Leading Edge Recovery. He tells me that in need to call him back and that this is a urgent matter and that time is of the essence, but he doesn't tell me what the matter is about or even where he's calling from (I found that out on my own). The thing is I was dealing with Academy Collections and now all of the sudden and with out notice my account is moved to Leading Edge. I have since called and left a message for Mr. Crews stating that I don't know who he is and in regards he's calling about and that he's not to call this number again that it is a private number and that all future communication should be done in writing...

Shermeta, Adams and Von Allman  August 14, 2007

I used to work at Shermeta's and we would hire anyone who was willing to lie, steal or cheat to get the debtors to pay. I had 1 employee who sat next to me who went by the name of Laura Grimm at work but it was an alias, We all had them. She would brag to me all the time about the fact that she used to steal the banking information from debtors and forward it to her husband to pull mail order scams. Laura was fired from (Asset acceptance) & (JJ marshall) which are just a few other LOSER collection Attorney's but she is still working at Shemeta's. They had 1 employee Listed as Christine Durocher which was another alias who got caught having an extra marital affair with the collections manager Robert Andreda. Shermeta's is currently being monitored by the government due to the fact that they having been telling their attorney's to go to court and donate a substial amount of money to the judges that they appear before in order to get them to turn a "blind eye" in court. This is just morally and ethically wrong! I had to quit after learning how much money they donated to those campaign funds. We would serve defendants that were in nursing homes and at church which is strictly prohibited. We broke the FDCPA law on a daily basis. We were SCUM! (Of course, since we know nothing of this agency, we have to qualify these comments with: Allegedly...)

Regional Adjustment Bureau  August 14, 2007

A friend of mine is going through hell with these people. Her mom has been in a nursing home for nearly a year and they are calling her about her mom's Capital One credit card. She has faxed them--more than once--proof her mom is in a nursing home and has NO assets, no money, etc. They keep calling and calling. The other day they called one of her neighbors and claimed that my friend's phone was not working! An outright lie. They also are doing things backwards, telling her they can't tell her what company they are calling from, but they do try to discuss the debt, even though it is not in my friend's name! My friend is not legally liable for her mom's debt and is at her wit's end trying to get these people to leave her alone. She sent them a "cease & desist" letter recently, but personally I would bet it will not stop them.

United Collections Bureaus  August 14, 2007

These people are as low as you can go! My wife settled a debt months ago, These crooks got hold of it and started calling us  and my Mother in-law telling her if she were any kind of Mother She would pay it. They told me I was crazy, told my wife She had problems and then started calling and hanging up. We filed with The FTC and Pennsylvania Attorney General. My advice, Don't deal with this lowlife scumbag company!

Capital Recovery Systems, Inc.  August 14, 2007

I live in PA. Received a traffic ticket in Cambridge Ohio in 1988 (yes 1988). Paid it at that time. License never suspended, no problems with renewals for this past 19 years (I have a CDL and our MVR is constantly pulled for jobs; nothing on my MVR for the past 19 years).

Yesterday (August 2007) I received a notice from Capital Recovery Systems, Inc., 750 Cross Pointe Rd, Ste. S, Gahanna, OH 43230-6693, that I had an "unpaid" violation from 1988 that they've had since 2004 (?), they said. Since when do courts - the people who put you in jail - turn over (paid) tickets to collection agencies? I've been stopped for Ohio Dept Of Transportation checks several times in the intervening years - if there had been a warrant for an unpaid ticket I would have been in jail, state troopers conduct those checks. I believe these people are part of that group you are warning us about as "Worst" in America?  No, there's a big difference between Recovery Systems and Recovery Group.  The 2nd one is very nasty.  The ones you describe here are just trying to collect on ice-age debts.

Northland Group, Inc.  August 14, 2007

1996, my husband buys a car. A lemon that blows up. He returns the car to the lot the next day, refusing to pay for it. Fast forward 11 years....we begin getting calls from Northland Group, saying he owes $4000 on this car. Finally today, we get a letter saying they will settle for $2000. They are collecting for LVNV Funding, who I see is already on your list too. This is ridiculous.

IC Systems, Inc. August 14, 2007

These people are trying to collect for a Washington Mutual Acct I have fell behind on. At first you get a call from a really nice lady who tries to con you into a settlement. Then they quickly want to authorize making the debits from your Banking Acct, which by the way they already have the Routing number and Acct number in their system. This woman must of had me under a spell of some sorts because I actually agreed. I was just in the process at the time of enrolling with a credit counseling service. My counselor told me to immediately call off the agreement because settlements look bad on your credit report compared to paying off the debt in full. I called back IC Systems, was directed to a supervisor who immediately started in with personal questions such as, how do you feed yourself, how do you keep the lights on, how do you live? He refused to cancel the agreement because "he didnt have to, you have 2 weeks to come up with the money. I then reminded him that his nice credit collection lady told me I could call and cancel the arrangements if necessary. He then asked me if this is how my parents raised me, to be a liar, a cheat, and many other demeaning comments. So I asked him if his parents raised him to be a "low life scum sucking bottom feeder." This screaming match lasted about 30 minutes and he finally stated that the agreement was cancelled and that I had no more chances left. He was still screaming and I told him Thanks have a nice day. The next call I told the lady I was making payments through my credit counseling service and I offered her the number to call and inquire about payments. She told me "No, I don't have to call anybody, its your debt, you deal with it" Well I told her I wasn't about to give her company any money because they were rude, I then hung up. I immediately mailed a certified letter to stop calling and they did.

IC Systems, Inc
444 Highway 96 East
PO Box 64887
St. Paul MN 55164

Please be aware of these people. They use intimidation tactics and really hit you below the belt.

Vericor and Investigator Mark Reese  August 7, 2007

An "Investigator Mark Reese" called to tell me they are taking me to court over a bad check written to VENTURE stores on 11/17/1993. I asked the SOL of this...he told me there was none. I explained there is an Statute of Limitations for everything except murder. He disagreed. The company is Vericor. He told me the claim is civil so there is not SOL on this bad debt. I should now expect to be served to appear at the Cook County Court house re: this bad debt from 1993. I spoke to my attorney who said that I can ask for it to be dismissed for now filing within the time period allowed....3 years in IL.

I called this "Investigator Mark Reese" back and explained the statutes...the laws...he is still threatening me. ACK!

Collection Company of America  August 7, 2007

After a short battle with these lovely people, collecting on a bogus Sprint account for "U.S. Asset Management", victory is ours, and off my husband's credit. What they sent for "validation" was definitely not, so they were sent a letter "Final Notice of Intent to Sue", again explaining to them what validation was required. Received a response from their "Compliance Manager" (I so love that title, especially from a bottom feeder) that the account was turned back over to the client (which happens to be an offshoot of their own company and the same Paul Leary has his thumbs in both pies) and deleted from my husband's credit file. Bud, why do bottom feeders try to hide the fact that they are collecting for themselves?

AVANTEUSA  August 7, 2007

Got hundreds of phone calls, from a robo caller on my cell phone, googled phone number and came up with Avanteusa (website has been under construction for 3 months). Sent CND letter received on 7/14, Tom Jacobs (big dummie) called work on 8/1 (verified via google on phone number). might want to add to your list of idiots, err, Debt collectors.

A & S Associates Recovery Experts Inc August 7, 2007

I been contacted by, this collector who calls himself chief director Bernestene, who said I have 2 days to pay 620.00 on a 300.00 payday loan company out of Las Vegas, told me he knew where I lived and was going to be arrested, I told him I could make pmts, and that I was recording his threatening phone calls, and he told me I see you are not willing to handle this peacefully, I asked him what he meant by that and he hung up the phone, have any one else had any dealings with this collection agency out of Houston, Texas?

Capital Collections, LLC August 1, 2007

They are repeatedly calling me at work stating I owe them money. I asked them (12 times) to not contact me at work, they continue to contact me at work. I have asked for all proof of debt to include ALL documents they claim to have via the US Postal Service, all they do is scream at me and tell me I am going to be arrested and thrown in jail. I received the email below from this person yesterday, again, threatening me with jail and arrest:

 Date:Wednesday,August 1, 2007 12:56 PM From:George MartinezTo:********* Subject: threat of action

Dear *****In spite of numerous requests for payment, your account remains seriously delinquent. Over the next five (5) days a decision will be made as to which of the various collection alternatives should be initiated to recover our client's funds. As perhaps you are not aware, legal action is one of these alternatives. In order to avoid this type of action, you should remit the full balance immediately. However, any payment plan other than the balance must be discussed with this office. If no response is received, the case will be submitted to the District Attorney Office and other proper authorities including the ******** Police Department. Possible legal remedies could include a garnishment of your wages (if it’s allowed in your State) and/or a Criminal Complaint for Warrant for bad check. Please take notice that unless we receive the full balance within five (5) days of the date of this letter, or unless we can agree to an alternative payment proposal, ACTION MAY BE BROUGHT AGAINST YOU WITHOUT FURTHER NOTICE. We do accept payments with Western Union Quick Collect (white and blue form) Payable to: Capital Collections LLC Code City: ECHECK State: MS Account Number: ****** Yours Truly, George Martinez Capital Collections Legal Department Phone: (888)579-8904 Ext.: 107 P.O Box 3477 Gulfport, MS 39505

Attorney Lawrence Hecker July 31, 2007

Rec'd a phone call from this office attempting to collect on a huge alleged debt for a Citibank Visa. I have not had a CB Visa in fourteen years and do not think I owe anything - but they threatened to garnish my wages and told me schoolteachers get fired for that, said they were going to file suit on me the next morning, people were going to come to my house, they would put liens on my house, and that "Citibank did not even WANT me to pay, they would rather sue." They said the only way to stop all this was to pay half right then on the phone by check and half in thirty days or they would have to sue. Yep, I was dumb and terrified and crying and confused and I gave them the financial info. Now I had to stop the check and deal with the account (because they have the account number) and write to them revoking authorization and requesting verification of the debt. I guess I will have to get a lawyer because it sounds like these people go on forever trying to collect bogus debts. They will say anything to get you to give them money you don't even owe. I wish there was some way to stop them.

United Collection Bureaus (UCB) July 31, 2007  5620 Southwyck Blvd. Toledo, Oh

These people will call you on the phone claiming you have a debt, and refuse to put it in writing. They will harass and annoy you on the phone and not give you an address. I have filed a complaint to the Ohio State Attorney General’s office and the FTC concerning their “illegal” practice.

IC System, Inc. July 31, 2007

These scumbags keep calling me about a debt my elderly father allegedly owes. He lived with me for several years but is now confined to a nursing home and in very poor health. I have told them repeatedly that he is no longer at this number and that they are not to call me; tonight their "representative" told me they will keep calling me until I give them his number at the nursing home! When I informed her that that will never, ever happen, she demanded a copy of his power of attorney and again proclaimed that they will keep calling my number. I informed her that they have no right to call me as this is my home and my telephone and the person she is seeking is not there, and she stated that the phone is listed in his name (an enormously big lie; it's always been in my husband's name) and that she will continue to call unless I give her the nursing home's telephone number.  Avoid this piece-of-garbage agency at all costs; anyone who would even consider harassing a frail, sick man in a nursing home is capable of anything.

Centurion Capital Corp July 31, 2007

If you were sued by Centurion Capital Corp (also spelled CenturiAn in some of my papers..) in an Idaho court, please look at the State of Idaho Dept of finance page regarding JDB policy. finance.idaho.gov/Policies/ICC/DebtBuyer.pdf

Centurion did NOT have the legal right to sue here. Someone dropped the ball.

Borack and Associates, Florida July 23, 2007

The phone number they are calling from is 321-282-4111. Spoke with a Scott at ext. 123. He has been calling me, and I told him the last time we spoke that I want written verification of this debt he is trying to collect. He said, "I can tell you what it is, it is Bank of America". I told him that he could tell me whatever he wanted, but I wanted written proof. He REFUSED to provide it. I never had a credit card with Bank of America. That is why I want proof of what he is talking about. He then asked me to give my attorney's name and number. I was not about to do that. I wanted to see the proof, and then decide to take it to my attorney myself if the need arose. He said I was refusing an attorney to pay the debt! I said that I was not refusing ANYTHING, or acknowledging anything, I wanted written verification of the debt. He starting yelling at me and hung up.

Associated Receivables July 23, 2007

I bought a car from Ugly Duckling in 2001. This car fell apart {no joke} after 6 months. they refused to repair it and I said o.k. I cant drive it anymore, so come and get it. I was told by the manager that it wouldn't count against my credit, because of the shape of the car. I guess I was just ignorant, because 6 months later it showed up on my bureau as a repossession. I just let it pass because I had health issues, and was just trying to live day to day. About a year ago I got a phone call from associated receivables demanding me to pay 8900.00! I told them it was not possible and 2 months later I received a court ordered interrogatory, from the attorneys office of Reynolds and Robin, in Metter Ga. I answered the interrogatory, and sent it back. We have not heard a word since, and according to the clerks office in my county, nothing further has been done.

Associated Recovery Systems July 23, 2007

Liz Garcia called and demanded payment in full for a credit card (citi) I explained that I was unemployed but I would start making payments just as soon as I could financially do so, she told me that she would be calling my parents and brothers and sister to collect my debt, I told her she could not legally do so as it was a violation of the FDCPA she replied that she could call anyone she wanted. She called back several days later and I asked her for an address and she said she would not waste her time giving it to me so I told her to call when she had the time.

Oxford Management July 23, 2007

They are trying collect from they say "Lab Corp" for a service provided over 3 years ago. We never received an invoice or bill there was no paper trail anywhere. I called the creditor and they have no knowledge of an open invoice. I just want an answer as to why my help insurance choose not to pay one bill when my husband goes for lab work every 3 months for diabetes. Noone can answer that question and the original creditor as no idea of any open invoices. I requested this company to stop calling me and they said they would not and will call as long as the law allows them to. I have just send your letter to cease to them, thank you for providing that. I suggested the worker call my attorney and gave him the nae and his comment was "I hope he is a very expensive attorney for a bill of $223.00". He then had the nerve to say they would not call him that the attorney would have to call them. I told him Good-Bye and hung up the phone. I was calling from work and had to hang up a one point because they kept me on hold for over 5 mins and he was able to call me right back using his caller id.

Capital Accounts   July 23, 2007

I get at least a call a day from this place. The call has come in from several different numbers, the number du jour is 503-922-3954 out of Portland OR. Sometimes the message says it's "Chris Smith", sometimes it's "Greg Williams". They never state on the message who they are calling for and never who they work for. I only know the title of the company because I looked it up on  whocalled.us. When I do a search for the company "Capital Accounts" I find nothing listed in Portland's phonebook, nor do I find anything when I do a generic google. so I have a feeling it isn't the REAL name of the company. Their messages are so fake sounding. One he was pretending to talk to someone in the background while leaving me a message, and rustling papers during the recording. These people should be actors, not collectors.

TG Capital Investment, LLC   July 23, 2007

I received a letter from these scam artists claiming I owe them money. I have no debt with these extortionists.

I checked with the Texas Secretary of State. They have no record of this so called legitimate agency in Texas.
In other words they are no registered as a Limited liability Corporation.

I have attached the proof below.

Dear Sir,
Our records reflect no active or inactive listing for TG Capital Investments L.L.C. as a corporation, limited liability company, limited partnership, or assumed name. Not all entities are filed with the Secretary of State. Sole Proprietorships, General Partnerships, and Joint Ventures are filed at the County Clerk ’s office of the county in which they are located. If you know the county, you can find the phone numbers for County Clerks ’ offices at: http://www.sos.state.tx.us/elections/voter/cclerks.shtml.

We do show:

This search was performed on with the following search parameter:
ENTITY NAME : TG Capital Investments L.L.C.

Mark     Filing Number    Name   Entity Type Entity Status Name Type Name Status

702974122  TG CAPITAL, L.L.C.  Domestic Limited Liability Company (LLC) Forfeited existence  Legal Inactive

Bud. Please list these on your website. I can't be the only one that got a letter stating they owed money. These lowlifes are scam artists. The word needs to get out about these mobsters.

The Federal Trade Commission will have a complaint within 24 hours.

My advise to anyone out there that receives a letter from these con artists is to file a complaint with FTC and Texas Attorney General's office and the United States Postal Service (mail Fraud)

Paul J. Coleman, Atty   July 19, 2007

http://www.attorneycoleman.com  Phone: (781) 233-0381  371 Broadway Revere, Massachusetts 02151

A family member received a voicemail message from Frank Bruno of Attorney Paul J. Coleman office. I called to find out what was going on and Frank Bruno tells me I owe $2376 from Gateway / Citibank and if I don't pay the settlement of $1877 they will file an action against me. I told him to file the action because I have no money. He harassed me trying to tell me to get the money from family members or friends, telling me if I go to court I'd have to pay court fees and they'd take 33% out of my wages. I asked Frank if he's loan me the money (LOL). He didn't like that. Frank Bruno kept calling me so I told him to send me a summons. He said he'd rather settle this issue before having to go that far. I decided since he can harass me... Well I can harass him! I kept calling his office leaving him voicemails or talking to him directly saying "I want my summons, Frank!!! I'm waiting by the door!!!" and he would try to talk but I used his tactics of cutting him off and telling him I want to see him in court!!! He stopped calling me for over a month and today (7/19) I received a call from him, I recognized his voice right away and said "Where's my summons?" and he says "It's being delivered in a half hour, I'll see you in court on the 31st." I told him "You're so full of s**t!" and hung up on him. When a summons is delivered you have 30 days to respond (to my knowledge) so this is an empty threat since the 31st is a week and a half away. What a moron. I'm going to send him a "dispute validation" per the advice of Bud!! Frank Bruno acts tough but if you give him a taste of his own medicine he seems to back off for a bit.

Supreme Judgement Recovery, Elmont, New York   July 19, 2007

This collection agency has put a restraint on my bank account. I don't even know how they were able to get that information, but they did. I've called them and they have consistently suggested that I was lying and I need to start telling the truth. When I requested proof of the debt, there has been absolutely NO RESPONSE. This has been going on since June 29, 2007. I feel like they think the longer they avoid me and put me off, eventually I will admit to something that's not true. This has become humiliating and stressful for me, and at this point I need to know what to do and who exactly is Supreme Debt Recovery. Any consumer information you can send me would be greatly appreciated.

Dynamic Strategies - Robert Friedman, Attorney   July 19, 2007

Basic bottom-feeder attorney and debt collection office. They violate third party disclosure and leave negative remarks on your credit report just to "keep the clock running." They send documents that look like real court documents and file a complaint when asked to validate the debt.

A R MGMT OF FL ULC 338   July 19, 2007

I was contacted about a month ago by a woman and I use the term loosely who threatened to go to my HR Dept. She berated and abused me and would provide me with no information as to where she was calling from or why. I am in the process of tracking down the company who provided (surprise) no phone number when they withdrew the money. I intend to prosecute her for threatening me and also for attempting to intimidate me. I work for attorneys who monitor phone calls, so providing the number was not blocked, I 'll track down the company and sue.

Accounts Receivable Management   July 16, 2007

This company tries to collect for MTE Financial aka Rio Resources that is a Pay Day Loan company that is not licensed anywhere. They will call you at work and ay home but once sent a cease and desist and a debt validation they may respond with a feeble attempt to validate which in my case was only the original contract but will not provide any other info. The second failure to validate letter and they seem to disappear for good. Its been months.

Ditore, Ruibal, and Associates   July 16, 2007

Here's yet another deadbeat agency run by the sleaziest of the sleazy, Alex Ruibal, in Jacksonville, FL. He has run several agencies prior to this (Ditore, Manning, and Associates for one) and it is proven fact (via duvalclerk.com) that he has been barred from operating or owning any type of financial services, much alone collection agencies, due to continued violations of the FDCPA! If you ever get a call from them, ask to speak with Alex and ask him about the monies HE owes for all his prior "financial" services and about his criminal record as well! You can find it under duvalclerk.com!

Howard Lee Schiff, PC   July 16, 2007

Scum of the Earth! Howard Lee Schiff is either dead or retired, still they send letterheads containing his name. Obtained a judgment without ever notifying me. They are trying for a second time. It will not happen again.

Brumbaugh & Quandahl    July 16, 2007

Met with the lawyer. He discovered B&Q has broken a number of laws regarding the life estate and my Mom's last will and testament. She is still living. They were falsely accusing us of fraudulent transfer of property so their judgment couldn't go through. We weren't having a problem with the First National Bank of Omaha at the time the transfer was made in 2005. It had nothing to do with FNBO or B&Q! It was about probate and making sure I got the house as my inheritance. It was done by a lawyer!

We had until July 3, to respond to the court. The lawyer is taking care of this. I think it is taking so long because B&Q is trying to figure out their next sneaky move! Why can't these credit card companies get it through their heads that if they would treat customers that are having difficulty with some dignity and respect they'd have a much better chance of actually getting paid? They spend millions on collection agencies in attempts to collect dinky little debts from people that may have fallen on hard times or as in my Mom's case the doubling of the monthly minimum payments is what knocked her out of the credit card game. She had always had excellent credit before Congress pulled that little stunt on the American people! If she had continued to pay the huge new monthly payments she would have had no money left to live on. CitiBank had been about three hundred a month, then shot up to $1,700 per month by the next bill and the account was up to date before that.

Vericor    July 11, 2007

Mike Reese of Vericor called my father house a week ago (where I have not lived over 20 yrs) and my dad's wife gave him me cell number. He called a me on a Saturday demanding money and I got a non-business looking letter on Monday saying I owe for a bad check I wrote in 1995 to Venture Discount Store (which I paid years ago. I told him I would call him later, he said I had until Tuesday or he would be filing papers on me. He called me on Monday morning. I said " I thought I was to call you on Tuesday" and he said "You need to call before 1pm" so I spent Monday investigating him on the Internet. My previous bank never heard of him and the company Ventures has been out of business for years. When he called back I told him no one knew of him or his company. He said I need to go to the post office and send him the $287 today or he would file the papers on me. The conversation does downhill fast at this point.

Forster & Garbus    July 11, 2007

The original debt is with Sears (my husbands card) and we are now able to pay it. I contacted the "Law Firm" to verify the reference#,account# amount and mailing address only to be told by the lady who answered the phone that the debt ahs increased by $1,000. I asked what the additional fees where for ...she didn't know. I asked for a rep. who did, she stated that the "lawyer" handling my husbands case was not available. I asked for the "lawyers name" at first she didn't know and then said "ms. Mack" but of course she wasn't in the office and she didn't know when she would be. She said that there was a judgment against us and although I "didn't like what she was saying it wasn't going to change when I called back" and "the fees would go up daily."
We what to pay what we owe...period. I am sending them a letter stating just that. But who else can I forward it to? I noticed this company mentioned on your site, but you haven't yet given any response regarding them. Can they charge fees? and are they really "A New York Law Firm" as their correspondence states?

Law Office of John P Frye aka Collect America aka Atlantic Credit    July 6, 2007

I have been blessed recently to have luck swatting these flies with settlement offers but now I am even more educated thanks to Bud. This so called Law Office of John P Frye is in fact a branch of either Collect America or Atlantic Credit and Finance. I called them about a debt looking to swat it with a low settlement and they refused to settle and started threatening me.

The first mistake this group made was answering the phone law office because that is illegal under the FDCPA. Second, they threatened to sue me for an amount that can only be taken to small claims court. Third, they said they had an attorney in the waits in my city what liars. The guy was mean, rude and evil. I was not intimidated, I have been threatened by the FBI so a collection company's threats are useless on me.

I told him, like I told Enhanced Recovery Collection, NCO and Northwest Financial Services Collection that threats are a violation of the Fair Debt Collection Practices Act and to mess with him I said I can either swat you with this money or I can use it to consult an attorney, wink wink.

People First Recoveries    July 6, 2007

Tonight at 9:52 PM EST, my husband was contacted by a person named Alesia who called from number 866-440-7216 (651-332-8914) and claimed to be from People’s First. She asked for a friend of ours who had a business with us at one time. It was obvious our number was taken from the Sunbiz.org website in order to find our friend. Alesia was rude, used foul language and deceptive tactics over the phone. She violated several clauses of the Fair Debt Collection Act, as did her “supervisor” Matt. After speaking with her supervisor Matt, he was also very rude and said, "You should becareful who you do business with." She would not put her supervisor on the phone until I was basically screaming. I cannot find anything about this company online. I searched the California State Business Portal and could only find a "People First Recoveries, LLC." I requested they not call our number again and I advised my friend to not speak with them. I believe they are a junk debt collector and the debt they are calling about is 10 years old.     Phone- 612.362.8810   Fax- 612.331.3567   Toll- 866.718.8810
Toll given to me over phone- 866.440.7216   Caller ID- 651.332.8914

aliciahauge@peoplefirstrec.net   jaclyntrovato@peoplefirstrec.net

People First Recovery, LLC is a Minnesota company registered to 212 2nd St SE #129, Minneapolis, MN 55414. They also have a listing with the address 2080 Elm St. SE, Mpls, MN 55414.  Excellent Research!

Florida First Financial Group, inc.    July 03, 2007

In the process of buying a home, all was going well until the final credit report. Much to our dismay there was an outstanding debt for my husband in excess of $3,000.00. The DLA was 6yrs. ago and the contact information was for a Charles Zimmerman with Florida First Financial Group (813) 237-1114. After several attempts to contact this group either to rectify or dispute the claim, we have never heard back from them. We have left several messages with their 'message center' as you cannot even reach a live operator no matter what time of the day you call! We are in NY and this firm is located in FL so we have absolutely no idea what this could be pertain to, except maybe an old medical bill when my husband first became disabled.

After doing some online research it has come to our attention that some of the associates have been sued for portraying themselves as lawyers and we have found many derogatory comments on their practices and tactics as well. After further research there isn't even a Charles Zimmerman associated with this agency! (who have also been accused of using fictitious names) Many complaints have been posted at
http://www.ripoffreport.com/reports/0/198/RipOff0198256.htm

We just spent a lot of time and money to clear up a debt that was indeed owed by my husband who has been permanently disabled for over 7 yrs. now, but I find it grossly unjust to take advantage of folks who are desperately trying to rebuild their lives as well as their credit to these predators.

Receivables Management Solutions (RMS)    July 03, 2007

A woman named Cindy is calling me everyday at work and leaving a voice mail saying that she has important information for me. I did not return the calls. So today, she calls again, but instead of using my direct extension as she did previously, she selects "0" and asks one of my coworkers if I'm there. He called back to me and asked if I wanted to take a call from a woman named Cindy, and told me that the caller ID said Receivables Management. I told him I had no idea who she was and send her to my voice mail. What ticks me off here is that the name of her company comes up on our caller ID. I thought debt collectors were not allowed to indicate what they are calling about to a third party, especially at work. She may not have said the name of her company, but it showed up, and with some of the names of these companies, they leave no doubt as to what their business is.

James A. West, PC   July 03, 2007

James A West Collection Attorney is a joke. They're fishing. They contacted me until I informed them that they are not licensed to collect in Colorado, as per law - Haven't heard from them since... Watch out for his assistant, Artimus Gordon.

Merrick Bank   July 03, 2007

I've been through a few different agencies trying to collect old/paid debts in the past. Wolfe Law was the worst. So I'm no stranger to this.  However, I don't see anything on your site regarding Merrick Bank/Cardholder Management or "Card Services," which is what "Gary" kept saying was the name of the company. The phone number is 877-487-5583.

James A. West, PC   July 02, 2007

I received a telephone call from a collector working for James A West, PC. The collector was somewhat rude and unprofessional. I finally asked her to send me the debt in writing from her agency. She cut me off several times when I asked questions so finally I received the debt charge in writing and their attorney, James A West signature was on the letter.  Has anyone else received a letter from James a West, PC? His website appears to be an old western movie turned in to a cartoon.

Corporate Collection Services    July 02, 2007

I have received 5 calls in the past 3 days from 216-896-1143. The man calling mangles my name when asking for me and when I ask whom is calling, he refuses to give his name, the company or leave a message. I told him today that he is not to call my number again and he responded, "I'll call every day until you talk to me" and hung up. I did *69 and it gave me the number and upon googling it I found this:

Corporate Collection Services   23220 Chagrin Blvd. Bldg 2, 4th FL   Cleveland, Ohio 44122
(lots of alternate addresses too)   Jack J. Grdina, CEO    800-741-9922
Fax 216-514-5092    Email: ssmorado@corporatecollections.com

Capitol One    July 02, 2007

My husband and I have been receiving harassing phone calls from Capitol One. It all started three years ago when we were going to buy a new home and discovered that "someone" had used two charge cards for which neither of us had applied and charged under my husband's credit. These were apparently charged off. We were shocked and pursued the matter. We asked Capitol One for a copy of the signed application, which they could not produce. We battled back and forth with them for about a year. We decided to get them off our backs we would offer a settlement at which we went to Western Union and forwarded the settlement. Now, two years later, they have transferred the charge off from my husband's credit to mine. However, it still shows on both of our credit reports now. They were calling my job and after I threatened to take legal action, they stopped calling my job and now call our home anywhere where 7-15 times a day. They say the names are computer generated, so they have to call each time the number comes up. They still cannot produce the signed application by either of us. It has been a long, hard and upsetting battle that still is not settled!  Betting that's not really Capitol One calling, but a collector...

SR Financial, San Francisco    July 02, 2007

About eight months ago, I received a letter from SR Financial, located in San Francisco, California, signed by "Eric Young". SR Financial claims to be "collecting for their client, Chevy Chase Bank for a Visa card debt of $12K". I retained the services of a credit & debt specialist, in January 2007. She has sent numerous letters and faxes to "Eric Young" for validation of this disputed debt. On 7/2/2007, my Attorney-in-Fact received a threatening letter and phone from "Eric Young" who called my Attorney-in-Fact a liar, called me a liar, a cheat and we would be sued for everything he could throw at us. According to the FDCPA if a consumer requests validation of the debt, the collector is to provide copies of papers, loan agreements and applications use to open the account within the time specified in the original demand letter. SR Financial has yet to comply. All of a sudden, they are claiming they "own the alleged debt from Chevy Chase Bank". This collection agency should be added to your Worst Debt Collector list. They are an assortment of bottom feeders, con men, liars, cheats and total frauds.

Credit Bureau of Columbus  Columbus, OH  July 02, 2007

Beware of the Credit Bureau of Columbus. They leave messages on your voicemail indicating you have an account with them and they read the disclosure indicating you have a debt with there company...

Certified Recovery, Houston    June 30, 2007

You need to notify people of Certified Recovery in Houston. Located at 6161 Savoy St- -They are extremely close to Redline Recovery--As illegal as Redline. They are new, but I assure you the harassment of innocent people has already begun.

Forster & Garbus, Esq.   June 30, 2007

Forster & Garbus took action against me in March, 2006 on behalf of LVNV Funding (for Providian). I fought them through the court system (pro se) with the resources available to me at the time.

They would call around my office to "get a hold of me" and tell my co-workers it was an emergency. They froze my bank account without any notification and after all was said and done (8 months worth of court papers), they took triple the amount that was actually owed.

They convinced the judge I had been lying about not receiving anything from them (they sent all paperwork to an address from 10 years prior, even after I sent them my correct address).

They submitted "legal" papers with incorrect information about a debt that was over 10 years old, and sprinkled their terminology throughout their affidavits. The judge believed them and granted them the judgment.

They even took more then allowed because the account is jointly held by my spouse. Now they have done it again to my mother! This time it's her checking account, her livelihood! I am looking to appeal this decision by the judge.

Judges need to be educated in this country about debt collection laws, FDCPA, FCRA and arbitration.  It wouldn't hurt a lot of them to remember Rule Number One - The Rule of Law.

Laurence A Hecker    VGlobal Collect  June 29, 2007

I need to write after recently winning a case against Laurence A Hecker and VCollect Global, Inc. Yes, I won my case, but I don't wish to stop here. I've been reading blogs on your site that absolutely make me sick regarding
this agency. What have we done as a society to allow companies like this to get fat and rich by bullying, threatening and intimidating people that would just sit down and write out checks? It disgusts me to no end that this Attorney gets away with renting his letterhead to virtual scum like this collection agency.

Paying lawsuits is chump change compared to the money they collect annually. I was floored when I recently learned that VCollect had annual sales of $10m last year; no wonder the way they treat people. It is cheaper in some
cases, and emotionally less stressful to just pay these folks even if you honestly feel you don't own a debt than to hire an attorney at times. I realize most debt collection Attorneys work off contingency, but there are still fees for serving notices, filing claims in court, etc.

WE NEED TO DO SOMETHING! Congress has to made aware of the way these companies operate. This company is located in India, they utilize this Indian office to do most of their collection activities; half the time not even licensed to collect in the States they operate in. Yet they are allowed day in and day out to continue to do business.

I am on a mission, and I will stop at nothing to get this man disbarred from his operation in New Jersey, to get this company in the news, and I would love to fight for reform in Congress against companies like this, if I knew
how. I've got to tell you, that until these companies are made example of Nationally (via huge fines that put them out of business), the others will continue to follow suit. There is not end to harassment, the day I won my
case, I received another call at home. They did not even have the decency to show up in court and defend themselves. It is a laughing matter to them.

I now have a new outlook on our federal court system and believe in it; but it cannot end here. This man violates FDCPA, FTC acts day in and day out, and the FTC simply replies to complaints via a form letter stating they can
take no action unless it is a third party (which it is). It is very discouraging when attempt to reach out for help, only to get a form response. What is our nation coming to?

Sorry to vent, but I wanted to reply to all those people on your blog about this moron and his tactics, and I could not. They only way to end this is to bring this to Congress, continue to write the FTC with complaints, hire
an Attorney (it was well worth it for my own vindication), and stop at no end to education yourself. Atty. Hecker's lawyer went so far in his closing arguments to state that if my jury found him guilty, because I used the
internet and educated myself, they should return with a lesser feel of damages. Can you believe that? I wish to educate the folks that need help.

It would be great if your site included a way to respond to these people whose rights are clearly being violated. How dare these collection people threaten and harass children, family, friends, neighbors, place of employment and say that they can do what they want? They need to be trapped and recorded and taken down! I pray we see the day soon, that our government wakes up, and realizes these corporations no matter how much they pay in taxes, and hire people for jobs (although using cheap labor outside the country), need to be responsible for their actions, of fined heavily and put out of business. I hope we see that soon, as it will be a victory for many that are harassed, and don not have access to the internet or know where to turn. My heart aches for those. Wake up America! Send a message!

Laurence A Hecker    VGlobal Collect  June 29, 2007

I just read the comments from May 2007 regarding Laurence A Hecker. His office uses a company with the same address as his called VGlobal Collect. They are in the habit of harassing people. They have a class action filed against them. I just took them to court for violation of FDCPA. It can be done, seek the help of an attorney. For Cash Collections comments from June 2007, another clear violation of the FDCPA, seek legal advice. If you do not send a message to these types of companies, they will never learn. Sad thing is more steps need to be taken by congress to protect the people from bloodsuckers like this. It kills me to think about how many elderly people, and general population that would just sit down and write out a check without asking questions. Companies like this are getting rich off the poor.

American Debt Services  June 29, 2007

Apparently these Lawbreakers have moved already. The new address shown for them is 2387 New York Ave., Huntington Station, New York. The Google image looks like a house so perhaps this is where the owner lives or works out of his/her home. They do have an account with Equifax though as they have been nosing around in my business. Zip 11746-4226. Another telephone number for them is 631 421-1307. They have changed their Website to. www.debtbegone.virtualcollector.net  This is a site that will allow you to put your credit card number and
social security number in and they will clean you out. There are several other gyps on that domain. The site is one belonging to Ana Cadez and Vladimar Igor Cadez. Best Travel Store 694 W. Foothill Blvd. Monrovia, CA 91016, dba
Global Collection Systems. These people are still flying under radar and aren't listed in any database I can find yet.

ICS Imperial Collections   June 29, 2007

My office started receiving a bombardment of calls from a Daniel Sharpe with Imperial claiming to be calling concerning "Potential fraudulent activity" and to call him at 877-999-1001 x2100. When he could not get past the receptionist, he had his phone team flood the office with calls...over a hundred within an hour! I was in a client meeting, so my boss took several of the calls (because the secretaries were frustrated and didn't know what to do) and he said that they had him on speaker phone while they proceeded to curse and berate him. My boss said that he could hear the other collectors laughing in the background as the collector he was on the phone with harassed him. After my boss called our corporate call routing center to have the calls blocked, this guy started calling the other businesses in the same building, asking them to deliver a message to our office because "there must be something wrong with their phones". Our corporate security in our home office 3 states away had to contact them to stress to them to quit calling and harassing me. I was mortified! It wasn't until I found your website today that I realized that what they were doing was illegal but how do you prove a case like this in court?

Aries Data Collections   June 29, 2007

Looks like this company has teamed up with credit card companies and law firms in collecting debt from consumers. They are known as a 'collector's collector'. They are located in upstate New York.

Cash Call   June 25, 2007

I am currently experiencing the sneaky and under handedness of Cash Call and one of there collectors Mr. Eddie Hernandez. I have a call from him where he is threatening my 16 year old son and one of my twins just experienced Cash Call's harassment and calls on his cell phone every 1/2 hour until they tricked him into getting my current cell phone number. They also called the house last Friday afternoon every 20-30 minutes for a period of 4 hours. My 16 year old and his twin brother were home and timed the calls. They recognized the numbers on caller ID # and did not pick up the calls. The messages that Mr. Hernandez left were unbelievable and he rambled on with threats that I better call by 7:00 pm or my account is going to litigation if they don't hear from my by 7:00pm. They sent a letter dated 6/22/07 (received 6/23/070 stating that I have 7 days to pay what is owed or they are going to send my account to litigation. They boys did answer a couple of the and they explained that I was not home and Mr. Hernandez continued to call and harass the boys. He also left a rambling harassing message on my cell phone. The big clincher is that this Eddie Hernandez called my mother and harassed her beyond belief, telling her to quit playing around and pay her bills, that they are getting ready to send this loan to litigation and that she better pay. He proceeded to tell her to quit playing around and how do I know you are who you say you are and he made her so angry (which was his intention to try and get information from her) that it was a battle back forth. Is this legal to keep calling people every 20-30 minutes and harassing them and making a pest of yourself? Cash Call really needs to be put out of business or they need to be regulated (which will never happen) on business practices. Why are collectors and there agencies allowed to get away with this kind of behavior.

Diversified Collection Services, Inc.  June 25, 2007

Just a heads up to let you know that I think this group-DCS, Inc. - is an NCO group! I had troubles with them (NCO)in 2005. They claimed I owed for something from years ago which I did not. I emailed Budd and got the Cease Communications letter to send to them which I did. Since then I have gotten letters from different *bottom-feeders* regarding the same thing! So, I promptly sent the Cease Communications letter to them also and I never heard back from them. Now, today I get a letter from this DCS out of California- P.O.Box 9049 Pleasanton, Ca.94566-9049 and the letter/statement is the exact same format as the NCO letter- accept that they are asking for about $400 more than the first letter I got from NCO! DCS, Inc. must be one of NCO's California Companies! I am going to send a Cease Communications letter to them at both the P.O. Box address and at the other address mentioned on their letter, which is:
Diversified Collection Services Inc.  A Performant Company
333 North Canyons Parkway Suite 100   Livermore, Ca. 94551
925-960-4800 main phone  925-960-4880 fax  www.performantcorp.com

I don't think sending the Cease Communications letter to their P.O.Box does anything- I don't think they can even receive mail there, so I'm sending it to the Canyons Parkway address. If anyone knows of a better address for them please let me know.

Capital One or Sara Rubin  June 25, 2007

Has anyone ever heard of a Sara Rubin I am assuming she is from New York based on a proof of debt she sent was notarized in Suffolk County New York.

American Agencies   June 25, 2007

Found these bottom feeders on my Ex,TU reports funny thing is had them removed back in August of 04. They changed the account number in order to have the item placed back on them with a new date assigned I never paid it any attention until just tonight. Notice they are not listed on your Agencies to watch or avoid, they are out of CA.

Brumbaugh & Quandahl    June 25, 2007

What part of legally obtained property and not being able to come after me or my property for another person's debt do B&Q not understand? How is owning property that is rightfully mine fraudulent? There was never any intent of fraud as B&Q claims. If they don't withdraw their motion against my mother and I (see previous post) when she passes I will have one heck of a time getting the title back into my name, even if I am living in the property at the time. My mother intends to live in the house until her death. She will never sell it. It is her last wish in her will that I inherit the home. If it goes back to her name then after her death it will just sit there and I won't be able to sell it so I can pay these idiots, if they haven't ticked me off to the point that I no longer choose to do so. The other option is always bankruptcy. Not my favorite idea, but if they force us... Ticking me off just makes me dig my heels in more! I grew up in that house and no matter whose name it is in or what this B&Q outfit tries to do to ME for owning my own house it will always be my house. It always has been as far as I am concerned!

It wasn't as if they did not have full disclosure yet they continued to proceed. It has never been that we didn't want to pay FNBO. It was that we don't want to pay through B&Q. They just couldn't get it that we have a legal right to take it back to the original department of the creditor where the arrangement began! They were offered repeated opportunities to go back to the original payment arrangement with FNBO, but they ignored them. They have committed federal offense after federal offense, but they don't seem to get caught. Now I am being persecuted for trying to take care of things so that my mother would have enough to live on. I thought I was doing the right thing by setting up this payment arrangement with FNBO originally. I should have known better. FNBO does have a way to trick people into thinking they are paying on an account and then all of a sudden it is all gone and the harassment and lawsuits begin. I don't know why they would rather pay a firm like B&Q such huge fees when they were already getting money on the account before it all went south and then they (FNBO) told us everything was fine and not to worry. Then that department just seemed to disappear! This is so frustrating!

What is better for their client? Sitting with a judgment on a house with no money forthcoming or an arrangement where at least they are getting something and they don't have to commit another federal crime to get it? These people are just mean and without common sense.

On top of everything my husband had a blood clot and fluid in his lung this morning and is back in the ICU. He says it was B&Q that caused it because he has been so worried about me dealing with them. And my 93 year old mother left 18 messages on our machine trying to find me this morning. She forgets to call the cell phone. So, yeah, I really need more stress!

I am meeting with a lawyer this week that was recommended to me by a very good credit counseling service. This lawyer seems to really want to go after B&Q!

F.H. Cann and Associates    June 25, 2007

F.H. Cann and Associates www.fhcann.com  is one company to watch. They called me, and I wanted their mailing address so I could send a "do not communicate" letter - the representative refused - asked to speak to his supervisor, who said, "why - so you can send a cease and desist letter? I don't think so." And hung up on me. Every time I tried to call them back, I got hung up on. I finally looked them up on the web - having only a partial name, because they also refused to repeat or spell their company name....and sent the letter. I also wrote a letter of complaint to the Atty General of Massachusetts - the state from which they operate. Beware!

National Recovery Agency NRA Group, LLC    June 25, 2007

A suit filed on June 8, 2007 in Philadelphia County Court of Common Pleas Docket # 070600738 claims the NRA collection agency collected $225,000 from debtors of the plaintiff, Philadelphia Gas Works, but did not turn it over.   There's a joke in there somewhere...

Paul Law Office     June 24, 2007

I rec'd a call from Paul Law Office on behalf of Atty Tracy Paul claiming I owe thousands of dollars ($13,000-$14,000) for full balance and fees relating to a credit card co in Nevada I never heard of and never applied to. I spoke with Dennis Low, who was rude and abusive. He had called my son, who suffers from Traumatic Brain Injury (TBI) as a result of an accident, to get my phone number. My phone number is no secret. I have lived in the same place for >8 years. He insisted I owe this money and that he will pursue asset discovery and attachment, seizing any assets I have, and will do everything he can to prosecute me. He refused to believe I do not owe this debt. When I asked him to send me documentation, he told me he "didn't have to according to Federal law." I told him not to call my son again, and explained why, but he responded that he would "contact anyone he wished in order to get information to make me pay the debt." He would not give me an address for the company. I had to get a copy of my credit report to get that. His office calls me continually. My son tells me he has called him 7 times. Mr. Low's strategy to intimidate and frighten me upsets me and the constant calls are annoying. I am going to send a Cease Comm letter right away.

Law Offices of Mitchell N. Kay, PC     June 24, 2007

I recently received an "information" letter from the "Law Offices of Mitchell N. Kay, P.C. in New York, NY telling me my account is "being handled by this office." They have been authorized to offer me the "opportunity" to settle this account with a lump sum... blah blah blah.

First clue there was something wrong is they used my 16 years past maiden name. Second clue was they gave a credit card number as the original account number. I haven't had a credit card in over 10 years, so even if this was a debt I owed, the SOL has expired. Third clue -- the "creditor" is listed as Asset Acceptance LLC! One of Bud Hibb's top 10 WORST collection agencies. I've been dealing with cleaning up my credit for years, from a divorce and being out of work, so I know how to handle these letters. I simply sent a letter saying I deny the validity of the debt, and that if they disagree they can send me verification, but otherwise to cease contacting me any further.

I just thought you'd get a kick out of hearing that two or your worst were in cahoots. I have a lawyer who is poised to strike if they contact me again. He HATES these scumbags and is just itching for a reason to sue them. Not that we'd get any money from them, mind you, but every time someone stands up to them, it puts a tiny chink in the sleazy armor they have built up that protects their harassment practices.

Global Asset Investigative Services     June 22, 2007

216-393-9241   Answers the phone "Litigation."  Very Nasty. 

Guglielmo & Associates    June 19, 2007 

Chicago Collector June 15, 2007  I have to respond to this post from the 15th.
Wow. First, “I do not practice any of these types of collections”? That would explain the problem. The agency’s referred to on Bud’s Site don’t “practice” enough to learn how to do their jobs legally. Then he goes on to say, “Now I don't agree with the abusive tactics, but we will call everyday, and we will call you at your job unless we are told not to. It is not a crime or illegal to do any of those.” You don’t agree with the abusive tactics? “But we will call everyday, and we will call you at your job unless we are told not to”. That’s not abusive? Especially when you do it so much people get Tachycardia every time the phone rings? And once again, the agencies on Budd’s site ARE doing things that are illegal.

This one I really like. “As for the comments of being bottom feeders, I don’t care”. He’s admitting he is one. “Its a great industry to be in, because there will always be deadbeats like some of the people posting on this site, to go after. Yep, he is defiantly one. It might be a great industry to be in if you can sleep at night! “Because there will always be deadbeats like some of the people posting on this site, to go after”? What an outlook on life. This my friend is the profile of bottom feeders. So, ok his company is by the telephone book….I mean, book. He doesn’t call us 15 times a day he just calls us DEADBEATS. Now seriously; don’t tell me, or anyone else what we would do if someone owed us money. I myself have forgiven a lot of debt. Speak for your self but not others. You say you follow the law; all I can do is take your word on that. If that is the case then why are you so upset? Bud Hibbs site doesn’t attack agencies that follow the law. I don’t like to attack a person’s character but if your law abiding, and proud of what you do, why are you coming to this site and attacking people that have been legitimately violated. Closing thought...I am a paramedic. If there were paramedics violating people’s rights, and someone had a web site to help people fight back and protect themselves. I surely would not go to that site and bash it! I would support it because they are destroying my reputation, and they are doing things that are a mockery of a profession I truly love. How would you like to be in the back of my Ambulance and hear……Its not my life ITS YOURS!!!!!!!!!!!

Guglielmo & Associates    June 19, 2007 

Law Offices of Guglielmo and Associates in Tucson, AZ. These people have been representing the various and infamous "Sherman" companies for a few years now clogging the courts with hundreds frivolous lawsuits and winning many of them by default. I am currently battling with them over a debt settled years ago. If you begin to get letters or phone calls from these people GET YOUR OWN LAWYER TO ASSIST YOU NOW. These people are wholly unscrupulous and will definitely try to collect in court, false documents and all. DO NOT LET THEM WIN BY DEFAULT AGAIN. If enough people fight back we can put a stop to this type of practice.

Brumbaugh & Quandahl      June 18, 2007 

Brumbaugh and Quandahl is at it again! In 2005 my now 93 year old mother hired a reputable lawyer and placed her home in a life estate with me, her only child/daughter as the title holder and her as the life tenant. (I am named in her last will and testament as the heir to the home.) This was all done legally and without any intent of real estate fraud. It was a gift to me as she wanted to enjoy seeing me own the property before she passes on.

Now comes Brumaugh & Quandahl in 2007 filing a motion against my mother and myself for real estate fraud and praying the court will reverse the transaction back to my mother's name so they can slap a judgment on the property. They claim that they were granted a judgment in March, 2007, but we were never notified of it. They sent a letter "offering" a settlement making it look like the judge had dropped their case and they were starting over. It was a trick! We responded with another letter of cease and desist, which they again ignored as is their pattern of relentlessness. Now they are falsely claiming that the sole intent of the transfer of property was solely to defraud THEM. Here is the kicker. At the time the totally legal transfer was made neither B&Q or their client FNBO were plaintiffs of record against my mother or myself. So how could the transfer of the property have been done with intent to defraud THEM? The timeline does not match. There is no legal logic here!

How can they interfere with a legal transaction regarding ownership of property without the owner's permission? This is a violation of my right to legally hold property that was a gift!

This outfit has already violated federal law four times by ignoring cease and desist letters. They are not acting in the best interest of their client, FNBO because they interfered with a payment arrangement that was already in place and working. This deprived FNBO of revenue toward the debt. They deliberately created confusion within the FNBO in order to create a hostile business environment between FNBO and my mother and I. And by making false statements to the court in their motion they have defamed and slandered my mother's and my character.

They have even at one point threatend that they will force my mother to pay their huge legal fees for FNBO. Another federal violation and intimidation tactic.

Now they are planning to disrupt my mother's last will and testament and deprive me of my rightful inheritance. The other problem is that there is alleged corruption within the court system so that innocent defendants have no chance of winning, even if the court or plaintiff will actually get nothing. The intent is to do irrepairable harm to the defendants. The truth is irrelavent, but the liars win!

B&Q is pursuing this not to gain anything for their client FNBO, but for the financial gain of B&Q. The longer they can draw it out the more they can bill FNBO.

It all makes me so angry because this is not my debt and now I am being implicated with false accusations made against me by B&Q and may lose the title to the home that my mother so wants me to have. They are claiming the transfer was illegal and done to render my mother insolvent. How can she be insolvent if she still has "posession" of the home and is still living in it? I am only the title holder. How do I protect myself and my assetts?

These people are ruthless and don't give up. I am so tired of them! On top of all of that I am giving elder care to my mother who is also in a whellchair and my husband has been in the hospital for 62 days and counting and is currently on disability. So as you can see, this is the last thing I need to have to be dealing with!

Eldercare is just a minefield. And there is no one to protect us caregivers or our charges when it comes to "Snidley Whiplash's" who choose to pray on innocent people who are just trying to do the best they can to have enough money to live on from month to month!

Remember that First National Bank of Omaha is the bank that foreclosed on many of the farmers during the dustbowl(Book; The Worst Hard Times!") They also refused to give the founder of Godfather's Pizza a business loan to start the company. When it took off he built his home across the street from the bank president with the back of his house and his garbage cans facing the front of the bank president's house. What sweet revenge! There are even speculative rumors floating around that they may allegedly even have ties to certain groups that cannot be named here. These rumors are unconfirmed so far.

Vericor Fraud Investigations      June 18, 2007 

I received a letter today dated Jun 12th from a Vericor Fraud Investigations in Las Vegas, but the postmark says in IL. It states that I've failed to communicate with them about a bad check I've written. I don't have any bad checks and then it also lists my SSN and a file date of June 18th. It says the case will be for the amount of $650 and other fees for this bad check and that I will not be able to write another check by them reporting me. First off the letter does not give any specifications to what check they are referring, second it says to contact them at the number listed at the top and all it is is a recording, third the letter looks like it's been printed off a home printer. How can you sue someone when you don't even provide information about what you are requesting and I know I've never received a letter like this before?

Paul J. Coleman Atty at Law      June 18, 2007 

http://www.pauljcolemanlaw.com/ 371 Broadway, Revere, Massachusetts 02151 Telephone: 781-485-0200
this company has members that threaten and harass you constantly even when you make arrangements to pay debt and was giving a date to have in there office they call you 4 or 5 days before due date asking for payment and threatening to sue.  They are not on the same page at all I had a lot of trouble from a Frank that works for this company.  They are rude. When contacted on several occasions I told them don't call me anymore and I hung up and they called me back to back 4 more times.

Credit Bureau of Jamestown   aka CBJ Credit Recovery    June 15, 2007 

HEALTH CARE COLLECTIONS.... JUST GOT INTO DEBT PURCH. WITH UNIFUND....MATT AND ANDREW HARTWEG...OWNERS...114 W 4TH ST JAMESTOWN NY 14701....THEY DO COLLECTIONS FOR ERIE COUNTY MEDICAL CENTER...WCA HOSPITAL AND ABOUT 100 OTHER HEALTH CARE PROVIDERS....THEY SUE ON MEDICAL DEBT AND USE ALL OPTIONS TO RECOVER. . IE WAGE ATTACHMENTS AND BANK RESTRAINTS.... MOST OF THE DEBTORS INVOLVED ARE LESS THAN EDUCATED SO THEY DON'T KNOW ANY BETTER BUT TO PAY AND ROLL OVER

Chicago Collector      June 15, 2007 

Wow. I cant believe some of these stories. Well, personally the owner of an agency, I do not practice any of these types of collections. Buy honestly, this site just plain sucks. You people owe MONEY!!!!!!!!! Not pack of smokes. Money and alot of it. If someone owed you money im sure you would be right on top of it calling that person everyday. Now I don't agree with the abusive tactics, but we will call everyday, and we will call you at your job unless we are told not to. It is not a crime or illegal to do any of those. As for the comments of being bottom feeders, I dont care. I make more money then most people. Its a great industry to be in, because there will always be deadbeats like some of the people posting on this site, to go after. Our company is by the book, we don't call 15 times a day, we don't disclose info to other people unless it is your spouse, and we don't pretend to be a lawyer or sheriff, or threaten wages or legal unless we are going to do so. I think that the debtors should look at it like, if someone owed them a lot of money they would be pissed, and would do almost anything to get those funds back. Get over it, and don't be pissed at us because you are the one who owes. Be mad at yourself, and try to come to a rational conclusion. Its not our bill, ITS YOURS!!!!!!!!!!!

Colonial Credit Corporation      June 15, 2007 

Recently I was on the computer and wanted to do some research on Colonial Credit Corporation, as I am currently fighting a lawsuit from them, (its' been over 9 months so far), anyway, it seems that consumers have been sending e-mails to a mortgage company with the same name, located in Laguna Hills Ca. They have posted a message on their about us page stating that they have been getting letters from another company calling themselves Colonial Credit, and that there is no contact info or address mentioned. This company, after looking into the matter, discovered that Colonial Credit is a collection agency represented by Wolpoff & Abramson. I am wondering if this company can have Wolpoff & Abramson shut down, because the scumbags are using their company name as a front for their collection activity. I imagine that eventually, Colonial Credit (mortgage co), will lose business as a result of this "mix-up" and sue W & A. Which, if Wolpoff & Abramson are involved, it isn't a mix-up at all. It was done on purpose, so that their "GOOD NAMES" would not be tarnished. The consumers who received letters or lawsuits from Colonial Credit corporation (W & A), have been sending their complaints to Colonial Credit (mortgage co).

Richard J Boudreau, Salem NH      June 15, 2007 

Richard J. Boudreau & Associates, LLC    5 Industrial Way    Salem, NH 03079    (866) 890-1644

CBCS  June 15, 2007      236 East Town St   Columbus Ohio 43215      740-345-6651

CBCS is a new one to add to the list. (actually, search this page for a half a dozen entries) I have been trying to clean up my credit by getting some old ones deleted and they came back and added everything and "re aged" the debt. It also seems like in the last couple of months they went around (probably from checking my credit report) and bought over 8 of my old accounts from various places.

I've never received anything from them in the mail or the phone but let me tell you. .they have totally wrecked my credit report. They have duplicates and sometimes even triple accounts on there. Also they own everyone of my old old medical bills.

DC Brown and Associates   Raleigh     June 15, 2007 

David Noble called me about an old debt last night and threatened to "send the marshals" after me
and report me to the IRS unless I paid him over the phone with a credit card right then. I requested a certified letter with a record of my account history, and he said he wouldn't do that. it started to seem a little fishy to me. I ended up telling them all (please excuse my french) to go to hell, and send whoever they want after me.

they sounded legit. and they do have my SSN# because they pulled my credit report

he said he worked for the law firm of DC Brown and Associates. im a little shook up after finding out all the things he knew about me.  Be careful everyone! dont trust anybody!

CTI - Collectors Training Institute of Illinois     June 15, 2007 

This collection agency has been calling me at work even after I sent them a cease communications letter. I told them they could not call me at my place of employment and the collector told me, "I can call you anytime I wish". This company even went to the extent of calling my supervisor. I am going to begin keeping a log and possibly talk to a consumer protection lawyer. Everyone please beware of this company!

Central Credit Services  Jacksonville, FL     June 15, 2007 

These people contacted out of state family members and discussed this alleged debt. They had pulled my credit report and knew where I was. I was livid. This idiot representative didn't even seem to care he broke the law. They are just not held accountable. By the way the repo they are attempting collection on was not even done legally.

ACC American Credit Collections LLC     June 15, 2007 

Received letter  from American Credit on old Providian account.  Ever hear of these guys?

American Credit & Collection, LLC   P.O. Box 264   Taylor, PA 18517-0264
866-760-6205   Signed by a Jason Gordon

I am sure that these folks are tied in with one of the other big agencies.

Lots of people hearing from ACC - they just got their own page...

Kretschman Law Offices     June 15, 2007 

Have you ever heard of this law office in New York, Crutchman Law Offices? My 89 year Father received a voice mail message today about a pending lawsuit with the State of Arizona, but they do no mention who is the client that is opening this lawsuit, nor what the lawsuit is about. Would he have to appear? We have not been served with any papers, and if someone does knock on my door, I will not answer it to accept the papers. In the State of Arizona, the attorney who is handling the case, must deliver the paperwork to the appropriate person, not just leave it at the doorstep. My Father is almost an invalid, in a wheelchair, and not well, and I take care of all his personal matters. Within the past two years, he has been receiving letters from various collection agencies (NC, Midland, Abramham Wolfson, etc.) and I think they are all related to the same collections account. In the beginning, I would either call or send a letter to them, stating that my Father is not in the best of health and to please stop harassing him regarding these collections. Their response was very cold, rude and unsympathetic., only demanding their monies.

ACC American Credit Collections LLC     June 12, 2007 

Believe it or not I got the EXACT SAME LETTER as the person below, on an old Providian account I haven't had in over Nine years. The only difference was the name and extension of the "contact person," Christopher Allen ext 211 (866) 760-6205   But here's the real big thing about this account they're trying to collect on. I paid it off and closed it back in 1998. Providian screwed up my payment and it took over a year to get them to correctly credit my account. And if My memory is correct, the statute of limitations on collecting on an outstanding account is seven years. So isn't there a penalty for this?  If it's showing up on your credit, you should visit myfaircredit.com

Atlantic Credit and Finance     June 11, 2007 

They contacted my parents back in April. Jessica told them who she was with, why she was calling, who my debt was with, how much I owed, when I made my first payment and when I made my last payment. Needless to say I was really angry since my mother had had her second heart surgery in less than a year in January and is still recovering. My dad's health isn't so great either, considering he needed to have heart surgery and can't due to other health issues. I did file a complaint with the FTC and a complaint with my State Attorney General. I have even told the people calling from Atlantic I had yet they still continue to call and send letters. I have told them I am not going to do anything until I hear back from the Attorney General.

ACC American Credit Collections LLC     June 11, 2007 

I received a threatening letter in the mail today. They are stating I owe DOUBLE my original outstanding balance due to "interest". The letter states the following:

This letter is to inform you that we are the assignee/owner of your Credit Card Debt, and further, to inform you that it is our intention to take aggressive legal action to collect the referenced debt.

We would further notify you that you may wish to consult an attorney. We do no represent you, nor do we purport to give you legal advice.

Our staff is reviewing your contract, verifying your employment, if any seeking to locate assets from which you might satisfy this debt, and taking other appropriate steps toward preparing your file for litigation. If a lawsuit is filed against you and a Judgment is obtained; you will be responsible for court costs in addition to the amounts mentioned hereinbefore. Interest will continue to accrue at the contract rate. Post-judgment, our office will employ all lawful means to collect the judgment including (but not limited to) attaching your bank accounts, seizing your personal property.

If you wish to settle this debt without litigation, we strongly urge you to contact our office immediately to ascertain whether other suitable terms may be worked out.

Tony Antuzzi ext 214  (866) 760-6205 

*and of course they request credit card information in the letter. As if I'm that stupid.

Andreu & Palma, LLP     June 11, 2007 

I received a letter a few months ago from this "law office" stating they've been retained by CACH, LLC. They've added a couple thousand dollars for interest and state "interest, late charges and other charges" will vary from day to day. CAN they do that? Also, can fees be added by previous debt collectors over the years? When does a non-secured acct stop accruing fees? I got tipped by a "lawyer advertisement" I'm being sued by CACH, LLC. I have not yet been served, but my guess is that its these people. Has anyone had to deal with them in court? Do they have to show a written contract that I signed in order to prove its my account? How can a debt collector, who did NOT pay even close to what they are trying to sue for, get away with it IF you DO show up for court?? I WILL respond with an answer to the court. Is it possible to turn the table on them and sue them and win? Any input would be great! Thanks for your wonderful website! You give people hope when it comes to dealing with these dirtbags!

Vericore Fraud Investigations     June 11, 2007 

I received a letter from Vericore stating that I had written a bad check and that I should contact them or they would file a complaint against me with the state, etc. etc. After reading someone else's remarks on this company I have chosen to not call them and to report them, because I have never written a bad check! I feel that they are trying to get me to call and scare me in to giving them more info. They state a SS# giving the first 5 digits of my number.
Their address is in Las Vegas but the post mark on the envelope is from Bedford Park, IL

Devine and Service     Evansville, IN   June 11, 2007 

Sent verification letter no response. Sent cease communication letter they call 4 times a day. We know nothing about the debt they are talking about.

Forster & Garbus   June 5, 2007  (Fast approaching their own page...)

A few months ago I had an answer summons taped to my door from Forster & Garbus .... after sending my answer certified mail I then sent a letter to my City Court along with a copy of the letter I sent to Forster & Garbus. I informed Forster that I indeed have disputed this debt with Capital One since 2003 and I would like them to validate the debt including all account history, dates etc. I did not hear anything from them until yesterday when I received 3 copies of a "Stipulation to Discontinue Action Without Prejudice" .... I did not know what that was so I did a little digging. It appears that if I sign the copies and return them to Forster & Garbus then I am agreeing that it is my debt and also "Without Prejudice" means they can still try to collect so-called debt. On further inspection of the Stipulation and where I am to sign it states my name and under that Defendant Pro Se .... and an address .... which is NOT even my city, let alone my street. They sent the notices to my correct address and they do have it correct at the top under defendant but an entirely different address under where I am supposed to sign. Also at the bottom it clearly states that Forster & Garbus is a debt collector and are trying to collect a debt. Has anyone else ever came across something like this? I called my City Clerk when I received the original summons because it had no dates etc. and she told me that to make sure I sent Forster an answer because they obviously were trying to get a default judgment and once I serve an answer they cannot get a judgment without actually taking me to court.

United Pay Processing  June 4, 2007

United Pay Processing is nothing more than a call center in India that certain payday lenders use to collect defaulted loans through threats of arrest, profane screaming, up to 30 calls a day at work and even physical threats. The person managing the operation is Lindsay Kent, who operates under the name iCollect. iCollect is nothing more than an unregistered trade name for Bahamas Marketing Group, a Kansas payday lender owned by Joel Tucker, a twice-convicted felon (car theft in Texas and check fraud in Kansas) who filed for bankruptcy in the 1990's.

It works like this - Bahamas sets up investors in the payday loan business. It gives them the software, know-how and even leads. In exchange they get paid for the leads, a licensing fee on the software and a percentage of the gross revenues. When an ACH return comes in for Account Closed or Account Frozen, the system automatically sends the loan file back to Tucker's company. He then either sells it to Westbury Ventures for a few cents on the dollar or has Lindsay try to collect it though United Pay or Bass & Associates (not the real law firm - it's actually Bass Prelitigation in Florida).

Friedman & Wexler, LLC    June 4, 2007

How does "scum-sucking weasels" sound to summarize this Chicago-based bunch of parasites parading as a law firm? It sounds like between you and the fellow ranting on Vericor below, there's a new thesaurus in town.

Vericor Fraud Investigation  Mark Reese    June 4, 2007

I received a letter from VERICOR Fraud Investigations on Thursday, May 31, 2007. The envelope was postmarked May 30th Bedford Park, IL. However, the letter heading is “VERICOR Fraud Investigations, 848 N. Rainbow Blvd, Suite 1641, Las Vegas, NV 89107 as well as the envelope with the NV address. The letter is dated May 28, 2007. The text of the letter alleges that there is a 14 year old “bad check” debt and that I would be "blacklist" so that I would never write another check; that “my name, SS# and driver's license # will be entered into a national bad check database; criminal charges will be brought after investigating all checking accounts; penalties will be determined, possibly jail time; civil and contractual violations will be determined; civil charges will be triple the amount of the bad check, plus attorney fees and court costs - total amount due $760.00, plus the punishment that the judge decides; attachments and liens against personal assets and property, including garnishments of wages”. The letter also states that if I did not contact them before the filing dated of June 1, 2007, filing number -- then the company would file a civil lawsuit and prepare to initiate the so-called determinations in the Cook County Circuit Courts. The letter was signed by "Mark Reese”.

I contacted Mark Reese of VERICOR (herein referred to as MRoV) at 1-866-587-8616. He stated he was a investigator and it would be in my best interest to hear him out ----MRoV re-read the letter [as if I was S-T-U-P-I-D) placing much emphasis on the full content of the so-called determinations listed in the letter. MRoV further stated they “did a background check on me” and found out that I once lived at such such place, but still needed to verify my employment, residence, telephone number… MRoV further stated that ‘we could work this out, because, my records are clean which indicates you don’t go around writing bad checks” I interjected here, and told him that he must be mistaken, because I had recently filed a Chapter 11 --- somehow we then became disconnected. I telephoned back and MRoV began to back peddle and stated “they would like to do a background check on me, could I provide him with some information. I said to him “lets skip the formalities and get to the heart of the matter ---What do I need to do to remedy this – who was the check written out to, and the actually cost [because I surely couldn’t pay the possible $760.00]. He told me that the original check was $137.32 made out to "Ventures” who are “now filing for bankruptcy". [For the record, Venture Stores filed for Chapter 11 in January 1998 and officially closed all stores in April 1998].

I acknowledged that I understood and I then asked for Ventures account number so that could send them the payment. MRoV stated I should send the payment to his company, because they were representing Ventures.–I was to send a “federal insured postal money order” for $132.32 to Midwest Vancor Center, P.O. Box 305, Bolingbrook, IL 60440. MRoV suggested that while I was in the post office, getting the money order, I should telephone him to let him know that I have completed the transaction – he in-turn would verify it because his company was “internally connected to the post office database”. Here again, MRoV back peddled and instructed that I forward the money order via overnight express mail, then telephone him to give him the tracking number and certified money order # --- after receiving this information, he (Mark Reese) then “can call and stop the filing on Monday [which would be 3 days after the initial filing date deadline]. Of course, I didn’t do this!!!

My internet research on this company revealed that they are under investigations with the Attorney General’s office in Nevada, in which I have filed a report with them as well as the Attorney General's office in Illinois. I have also search the Better Business Bureau Serving Southern Nevada (702-320-4500) and found a BBB Reliability Report on Vericor, 848 N. Rainbow Blvd #1641, Las Vegas, NV – Principal: Shawn Kelly Investigator; 702-987-1876; the company is not a BBB member and the business is classified as Collection Agencies. Based on the BBB files, this company has an unsatisfactory record with a pattern of having more than 2 complaints involving the same allegations usually within 12 months and a number of other complaints. The BBB also reported that the company failed to respond to the BBB or the consumer to resolve the issues. I've filed a complaint with Nevada's BBB as well as the BBB in my home state; and will sent this complaint to the Watch list at NBC, ABC and Fox News (Fox News is my home state has a consumer reporter who reports consumer fraud on the tele --- I will send this to them also).

There are also lengthy blogs [which now will include my own] and consumer watch list reports about this company, VERICOR a.k.a. VeriCorp, Rich Dawson 702-987-1876; Vericore Sacramento CA; Vericore, Las Vegas, NV; Mr. Mike Powers of Vericore, 800-375-3186; Nick of Vericore; and now Mark Reese of VERICOR) about this company’s [putting it mildly] tainted practices.

These blogs can be found on, Bud Hibbs Watch List and Who Called Us. It’s awful that people or agencies similar to the charlatans mentioned in the above text are allowed by our own government to violate the laws mandated by them…then what are we to do? And what about the many individuals who do not recognize these charlatans who prey on the aged, people with improvised cognitive skills, people with little to no education, low socio-eco status or simply those who can be intimidated. More should be done to shut these charlatans, crooks, scam artist, counterfeiters, imposters, fraudulent swindlers...BOTTOMFEEDERS!

Laurence A. Hecker Attorney at Law  May 31, 2007

Really hope this collector gets added to the list. They started calling me at work yesterday after receiving 1 letter. I informed Hecker outright that I could not/would not have personal calls at work. That was accepted by them. I did however return their call after work. Their employees area really a piece of work. I was degraded and verbally abused. Threatened with a law suit and hundreds of $$ in attorney's fees and they even threatened to get me fired at work. I started pulling up info on the internet yesterday about them and confronted them with what I found - boy were they mad when I wouldn't give them checking info. I started asking so many legal questions they finally asked me not to call them back. I filed complaints with the BBB and the FTC this morning. We'll see how it goes. I understand their letters are a complete violation of the FDCPA.

Chex Systems   May 31, 2007

It's astonishing that this is the company so many banks use to handle their business. After moving, I went to a bank in my new town to open a new checking account and was informed I still had a debt with my old bank and was in Chex Systems. I was told by both my old bank and my soon to be new bank (hopefully) that once I paid the debt and Chex Systems was notified, the status would report PAID in no longer than 72 hrs. Now, a month later, they still won't update their reporting. After searching to find a number that actually allowed me human contact, I spoke to Dan (a nice gentleman with an extremely thick French accent) and was told that I would have to "order a report" to check the status. I told him I knew the status as the bank informed me TODAY that it's still not showing paid. I also told him I had a letter from the bank in my hands stating the account was paid a month ago AND the woman at the bank (whose name I also have) informed me they notified Chex Systems a month ago it had been paid. All Dan could tell me was that I have to "order" a report...now I have to wait to receive the report, dispute it and wait probably another month for them to correct THEIR mistake!!! It is absurd that this company refuses to follow their own policy, refuses to give any answers and refuses to offer any help whatsoever!!!

Ross Gelfand, Law Offices of   May 31, 2007

Ross Gelfand's employees are liars and they violate the FDCPA. At 12 noon I called looking for my file which Nat'l Attorneys Network claimed was placed w/ them. They had no record of me. At 5pm, they called me to collect their money. (obviously just placed w/ their firm that day). When I told them I had been trying to settle they informed me it was already in the court system. When I asked how could that be since I never got my "30 day validation letter", (I work in the legal department of a collection law firm), they explained that the court system would be sending me that but since I was settling they would make sure I didn't receive anything from the court.

Collector Tells you Straight   May 28, 2007

I work in collections, and I find it very unnerving consumers have the audacity to complain of harassment when they have legitimately defaulted on their obligations. You should expect the bank to call, and their agencies to call. You owe the money. If you don't have it, and they still call, its not harassment. You would do the same if it was your money. Many people get 1 or 2 calls, and immediately start saying things like harassment. Many people get rude, and obnoxious to callers just because its about a bill. Treating collectors horribly! The collector is nice, respectful, and the debtor -yes (DEBTOR!!) treats the collector horrible. Most debtor lie, and falsify circumstances. Church going people make up absurd stories to stall, and avoid dealing with the matter. Most of the time more calls are generated because the consumer wont respond, hence the collection effort intensifies. It you are getting several messages, and refuse to respond it only puts more emphasis on trying to actually communicate with you. don't YOU GET IT. THE MORE YOU DON'T RESPOND, THE MORE WE CALL! There are good, respectable collectors out there, (but there are some knuckleheads in the business.) It just concerns me, that people owe these banks thousands of dollars, (which they used to live on, get by on, support themselves with, buy medication, groceries , etc)- than complain as if they are the victims when the bank calls! Simply disgusting. The FDCPA allows phone calls, and messages etc. Don't sign up for the Credit card, if you cannot take the collection effort by the bank to recoup the money when and if you default. Most importantly, consumer/debtor need to know its important to communicate with the debt collector. As long as you respond, and are open and honest, it will minimize the need for intensified efforts. But please, please stop the frivolous complaining of harassment when you know you're in the wrong!

Fitzgerald law Firm, PC   May 28, 2007

These idiots are calling my boyfriend threatening to "take action" on a debt that they fully admit has been time-barred for four years. They are acting as the "Fitzgerald Law Firm", not as Endeavor, and they say that they are collecting on behalf of the OC, not that they have bought the debt.

Either way, they aren't licensed to collect in my state, and attempting to collect without a license here is a CRIMINAL offense.

On first communication they never said specifically that they were a debt collector, just that they were a law firm, and never told him he had the right to dispute the debt. He requested something in writing -- well, they've called every day since that time, just a little bit later each day. The second day they called they were informed that we work nights and sleep days so it was inconvenient for them to call -- well, they keep calling despite the fact they now know their calls are inconvenient while we are sleeping.

To make matters worse, this is not about a debt that he owes! They're trying to collect on a repo deficiency for a make and model of car he's never driven! Fortunately, the debt is so old that they have not reported it to his credit reports, and if they do they will be in serious violation of both the FDCPA and the FCRA. And we will stick it to them if they dare to report it to his credit reports!

United Pay Processing    May 28, 2007

This company is now using the name United Pay Processing or United Processing Legal Department. Please beware! They also have a phone number to contact them in New Jersey at 732-203-7708. They have been giving me different names even during the same conversation. They are not keeping track of their names. They have left a message on my phone and I have saved it where they told me to go somewhere safe because I was in immediate danger. Please beware! I can say though that you can call money gram with their receive code and they will give you the address they have registered with them. I have been given 2 separate receive codes from them. If anyone has any more information about this company please post. Together we will get these scammers taken care of.

West Shore Collections, Inc    May 24, 2007

This company appears to be another one of the bottom feeders buying charged-off debt and using the usual scare tactics to collect. The funny thing is, on the same day I received their letter, another letter arrived from a different  company for the same debt. This other company is called Law Offices of Philip Landsman. They are both located in Southern California, and I noticed that the signatures on both letters, although different names, are remarkably similar. But what really struck me was the email address for Philip Landsman. It is attorney@evilattorney.com. I went to www.evilAttorney.com and all I can say is 'What a piece of work!' This is without a doubt the granddaddy of bottom feeders! If you want a good example of what kind of people run these outfits, visit this site and it will open your eyes.

I'm not sure if these two companies are one in the same, but it's very suspicious. I plan on (once again) using the cease communications letter on the 'Evil Attorney.' I can't tell you how many collection companies this debt has passed through, and I'm afraid this won't be the last.

Nierman and Olivio, Lufkin Tx?    May 24, 2007

Consumer made no comments.  Maybe they're nice guys.

Kramer and Frank, P.C.     May 21, 2007

These attorneys are known to practice debt collection in Kansas, Missouri, and southern Illinois. They have already sought and was awarded wage garnishment for their client, Midland Credit Management, illegally. Kansas statutes do not allow for wage garnishment by a JDB or CA, but that didn't matter to Kramer and Frank. They blatantly disregarded Kansas statute and garnished my wife's paycheck in Oct 06. Beware of these lowlifes.

Pioneer Credit Recovery    May 18, 2007

Approximately five years ago I trained and began working for the Transportation Security Administration at the Nashville airport. Due to a personal tragedy with my wife, I resigned. I was paid for all my hours worked and not a bit more.

Last week,  I get a letter in the mail from PCR. It says it's in reference to a Dept of Homeland Security 'debt' for over $1263.50 and lists a Treasury Account number. At first, I didn't connect my old job to this 'debt'. I call PCR and the woman on the phone tells me that I owe the money due to 'overpayment', and can I give her a credit card number. She then said if I couldn't satisfy the debt, she would begin garnishment proceedings.

I immediately told her that I was never 'overpaid' (how can you be overpaid for your job?) and  I would dispute this 'debt'. She said that I'd have to write them a letter, which I am have done.

I am also currently waiting for an HR representative from the Nashville TSA to call me back. I spoke with the National HR call center and was advised, when I gave him my social security number, that he showed no outstanding 'debt' owed for anything, much less overpayment. Hopefully, when I hear back from the local representative, she'll get this straightened out.

Northstar Location Service    May 16, 2007

Finally getting an opportunity to dispute in court an account that was completely redone by Resurgence Capital Services and I am now getting calls from a Northstar Location Service for the same account. I saw they had requested information last week from one of the credit bureaus. I was looking because somehow an initial fraud alert had been put on my credit reports still don't know how that happened) and sure enough the day after the alert was put in place I find Northstar had been checking my report. The "gentleman" I spoke with became rather rude when I told him they would be receiving a cease communication letter and informed me I "should be sure to do that" because I was going to receive a LOT of calls

American Credit Collections, LLC    May 16, 2007

I received a letter stating (American Credit Collections, LLC PO BOX 264 Taylor, PA 18517) had obtained my debt($1,192.50) and was sending notice to satisfy their legal obligation to notify me. A month later-- another letter --had no account numbers, no original creditor...NOTHING.....just stating  I had 15 days to pay my debt which had mysteriously inflated to $37,970. I have NEVER owed ANYTHING over 2,000 in my life! So, I called to discuss the validity of this debt. (866)760-6205 ext 206. This was supposed to send me to "Barry Stein". Instead I was transferred to a girl named Heather. I was asking her the difference and how I was supposed to assume that this debt was legal. She transferred me to some guy. Then it gets fun. I asked why I received two separate letters with two separate amounts. I tried to give him as much information as I could that was on the letters to verify the information. He started talking over me and getting loud saying  "He didn't give a s**t, I gave up my rights to answers when I failed to pay my debt. He said he would do whatever he could until my debt was paid, such as pulling my credit every 90 to lower my credit score. I asked him why he would say such things that all I wanted was answers if he would just let me ask some questions. His response was " I enjoy hearing ridiculous stories about why people don't pay their debts, go ahead, I'm in the mood for some entertainment.....let's hear yours". And when I tried to talk he cut me off and started screaming and yelling at me telling me he would see me in court and various other things. I couldn't get one word in and he hung up on me. I called back 4 times and he hung up on me every time. I waited 30 minutes after that and I collected myself and called the number one final time to ask his name. He said "Mr.Allen" and proceeded to spell it out for me "M-I-S-T-E-R A-L-L-E-N"

Leland Scott and Associates    May 16, 2007

Leland Scott and Associates, Inc.   Leland Scott Edington, President
4275 Little Road #101  Arlington, TX  76016
817-460-7104    817-303-3307     817-303-7782
These are the numbers they have called me from SO FAR.

I sent these clowns a letter to quit bugging me. Today (May 15, 2007) I got three phone calls from them in a 5 minute span ALL before 8 AM  (7:14 AM, 7:16 AM, 7:19 AM). Gee, think they want something? Anyway, cha-ching! Another $1000.00? Or Cha-ching! Cha-ching! Cha-ching! Another $3000.00 for violating FDCPA? Thank you Bud!

Riexinger & Associates    May 14, 2007

Riexinger & Associates representative Albert Grant calls my place of employment up to five times daily. Albert Grant harasses the front desk operator and ask to speak to me constantly. Mr. Grant is now harassing my supervisor on a daily basis. Mr. Grant also says he is from an attorney's office and needs to talk to me. I have not received any information in the mail regarding a debt, but their web site www.riexingerlaw.com states they are a debt collector. Albert Grant telephone is 1-800-713-7780 x319. I resided in California all my life, Riexinger & Associates are in Georgia. I have never lived, traveled to, or been in Georgia.

Northland Group Inc.    May 14, 2007

I have been contacted over the past two years by the Northland Group Inc. or Northland Group or NGI. The name changes about every six months. Despite sending letter of refute or cease and desist notifications a new letter appears with a new agency name. What is worse. Is the information they are providing me does not appear on any of the three credit bureau reports. I am frustrated with them as A few years ago I scoured my credit report and made maximum effort to pay all outstanding item only to continually get letters from these bastards.

Reyes Law Firm, 4407 Bee Cave Rd. Suite 512, Austin Texas, 78746    May 10, 2007

Got a letter from these guys  concerning an AMEX bill my ex ran up during our divorce (unfortunately not the only one). I have prepared a cease communication letter and will be taking it to the post office tomorrow.

Today my brother calls me and said he got a call from these jerks asking all kinds of questions. He knows my situation and didn't tell them anything but calls me to tell me. I didn't think these rats could call 3rd parties. I've never put anyone on my credit apps. Up until about a year ago I had a high 700 credit score.

I will be turning these over to my divorce atty next week at our meeting but needless to say this has jacked up my credit so bad I'm not sure if I'll ever be able to recover.

Northland Group Inc.    May 10, 2007

I think LVNV Funding,LLC is using either a new agency to collect for them, or it is one they created, their name is Northland Group,Inc. with a P.O. Box of 390846, Edina, MN 55439 and a physical address of 7831 Glenroy Rd, Suite 110, Edina, MN 55439 and a phone number of (800) 800-8191.

Genessee Valley Associates    May 10, 2007

We had a debt Giove Law Firm had. They apparently "sold" it to Easy Loan Corporation, who promptly sued us for it. We hired a lawyer to fight the lawsuit, and so far they've not been able to come up with any proof that we owe it. Their lawyer here in Arizona told our lawyer that they would get back to him early this week about whether or not they would be dropping the case. Well, today I got a phone call from Genessee Associates in Rochester, NY purporting to represent Providian and claiming that they have a "pretrial judgment settlement" for my husband that "he wanted to know about right away." I would be willing to bet that this is Giove all over again, and they didn't sell the debt, they just transferred it to another one of their own companies!!!

CCC    May 7, 2007

BEWARE new techniques these bottom feeders are using, About 4 years ago during my divorce I was forced to stop paying on a few credit card accounts. Although the court order said that my ex-wife was to make 2 credit card payments, she never did. I was not aware of this, until I settled down at one place for more than 1 year. I guess they found me thru my credit report, a Citibank account that had a balance of $5500.00 I was able to settle it for $2000.00, then about 1 year later after I found out about the statute
of limitations for my state I started to get calls on a different account that was thru Discover. (both that my ex-wife was to have paid) that one had a balance of $6000.00. I stood firm on that one told them my ex-wife was to have paid it, they couldn't find her. So then out of the blue I get calls from that same agency CCC or something like that, that I owed the Citibank account also. I told them it was paid, they said they needed to see proof, cancelled check and letter. I provided them with both, BIG MISTAKE, next thing I know I'm overdrawn at my bank for $3000.00, I had $3000.00 at the time in my account, they ran a check for $6000.00 which thru me in the negative for $3000.00. After a while I was able to get that reversed, I have a credit union, and are very good. I learned that if you get a call on an account that has been paid, DO NOT SEND THEM ANYTHING, its their job to find out, why make it easy for them. They will try anything to separate you from your money. Dispute the charges, we have the right to.

877-313-6766    May 7, 2007

I keep receiving calls from 877-313-6766. There is always a generic message because I don't answer. When I call back it's the typical "if you know your parties extension..."  Can you let me know to which agency that number belongs? It would certainly help in preparation for the ensuing skirmish.  Bueller?  Ferris Bueller?  Anyone?

Academy Services   May 5, 2007

My 22 year old son, living on his own for years now in Indiana was using a debt consolidator who took his money for 7 months with no money given to his creditors. therefore he is behind and in a mess. We (his parents) live in Florida. Friday I received a call from Academy for Citibank. The man (Derek) proceeded to berate me for my son's lack of character for not paying his bills and began to critize me for not paying my son's bills. He gave me all kinds of personal information about my son without even knowing that I was his father or worse yet I have no business having his info. I complained to the supervisor after being insulted and cussed at by Derek. I want to do something so others don't have to go through this.

Sessons & Rogers   May 3, 2007

I would like to add a new scumbag bottom feeder to this list. The above named so called law firm employs pedro zabala who is ill equipped to respond to requests for proof of charges and he has dreamed up by representing cacv of Colorado that I have a debt from 2006 which is absurd and untrue. I have not had a credit card in well over 5 years. I am now dealing with this loser and it is very stressful. I hope he rtots in hell along with the rest of these scum suckers.

Fein Such & Shepard Laridian Consulting Update  May 3, 2007

Update to previous post (April 12). The attorney for Laridian has requested postponement of court date from May 5 to June 20th. I believe this is a result of my 'insisting' their client provide proof of 'my supposed debt', which I know they could not do as there was no proof. Not in the amount that they claimed in their lawsuit. Seems the lawyer took my advice and advised their client to accept my settlement offer. Better to get something rather than nothing, right. I received their settlement agreement the same day as the postponement advice from the court. I'd like to just tell them to forget it, since I know they can't come up with documents to support their case, but I will honor my original offer (since I am an honorable person) just to be rid of them and move on with my life. I'd like to thank Bud Hibbs and the other who have posted here giving us all good advice and support in dealing with these bottom-feeding collectors out there.  Remember Rule # 1 - The Rule of Law.

Shenandoah Legal Group, PC  April 29, 2007

You may want to check out the Shenandoah Legal Group PC, they work with Asset Acceptance Corporation.

Pioneer Credit Recovery, Inc.  April 27, 2007

These people have called several times trying to get in contact with my brother. I called them back and told them that he does not live here, but of course the calls on occasion continued. Last night topped it off. They called at 10:38 last night! Picked up the phone and of course it was automated, no one answered me back. They broke the law when they called after 9 p. m. I called them this morning and spoke to a pleasant sounding young lady and told her again that my brother has not lived here for over 20 yrs. and to take our home phone no. off they're list. She asked how to get in contact with him. I told her that he has no phone which he does not, and he recently moved and I don't have his new address. I told her to send any correspondence that they needed to send to our address and we will forward it to him. I also told her that her company called here at 10:38 last night and that I did not appreciate that. No apology from her end, just a quick, "we'll take your number off", click. She did not want a confrontation over an illegal act on their part obviously. I've gone to this company's website and from the way they promote themselves, they appear at least in print to be professionals but after last night, I have my suspicions. They are a subsidiary of Sallie Mae. They collect other debts as well. They promote themselves as being the best in the business. Of course they are out of Arcade New York. What is it with New York area collectors?

American Debt Services, Inc  April 27, 2007

Here's a new group of Slimeballs newly in business and breaking ever rule of the FDCPA. Just Incorporated in New York on April 11, 2007. I recently received a call from a friend of mine. It seems that someone had called concerning me and told my friend that I had given them as a reference. A lie of course. The call came from Area Code 631 421-2076. It seems this person was asking very personal questions about me and then told my friend that I owed his client some money and I had to contact him by 2:00 PM or he was filing a Civil suit against me. This guy's name was Robert Anderson and he was representing someone I'd never heard of. He never identified who he worked for. He asked my friend if they could make financial decisions for me. Now this JERK didn't even know who my friend was. I don't know how he ever got their name and address. I've lived at the same address over 20 years and had the same phone number so he wasn't trying to find me. About a week later I received a letter from these fools concerning an old almost ten year old charged off out of statute alleged debt but not mentioning his referenced client in it. The letter never mentioned who he claimed to represent. The letter threatened me with a Lawsuit again. The letter had no mention of my Legal right to dispute or require Validation on it. Now a day or so later my friend receives the same letter addressed to them concerning my alleged debt. The FOOL that signed the letter is Stephen Foxx. Either these FOOLS are totally ignorant of the Law or just intent on ignoring it. I know of at least 5 violations X 2. They are now out on the end of a limb and I am holding the saw. This outfit is apparently trying to evade radar as they have no telephone of business listings and I can't find a Business License for them. I'm still looking into them but to date this is what I know.

American Debt Services, Inc.
918 Jericho Turnpike
Huntington Station, NY 11746

Telephone Numbers
631 421-1506
631 421-1397 FAX
631 421-2076
888 333-0904
888 824-5656
None of these numbers are listed nor do they have any Business listing in any Business directory telephone pages. They may be some individuals working out of their homes. I'll bet they are not Licensed. Their location is on Long Island. I plan on taking a Google Satellite look at the location to see if it's a residence or business location.
Known Lawbreakers are:   Robert Anderson   Stephen Foxx

Website address is www.debtbegone.tv   Perhaps Bud has some info on them as I'm sure he will be hearing from others.

Christopher M. Ranieri  PA.  April 27, 2007

these people go way way beyond the act of decent collections A so called lawyer a miss Sharon Stone was the most vile human I have ever encountered, also called my elderly parents with threats of arrest if she did not get my phone number holy cow what is the world coming to

Florida First Funding Group  April 27, 2007

As stated in Florida Bar Complaint 86. 513 Nov 8 1996. This company calls as an attorney and the people who call are not. Bill Williams, as he calls himself, is really Keith White.

This group has to be one of the worst. They practice law without a license, they are provoking and nasty. They hide under false names and attempt to collect petty debts that someone would typically pay not to deal with it.

At no time have they proved the debt is valid and I can only assume they won’t.

Sessoms and Rogers, P.A.  April 27, 2007

These guys really got me. They sent me a summons but it did not have a court date on it. Everyone was telling me I should have a court date but instead of calling the clerk of court I waited. Big mistake. The next letter I got said they had one their judgment by default. I learned my lesson. I have since learned that it is common practice for them to omit the court date. Just BEWARE!!! I was very uninformed and now must suffer the consequences.

Tabula Rasa  April 27, 2007

I received a notice from Tabula Rasa International from Amherst, NY acting as an agent for Black and Gray, Inc. Claims PAUL G. CLEARY GENERAL COUNSEL on the top. Looking up PAUL on the web reports he is a criminal lawyer and the firm listed for him ELSAESSER & O'CONNELL out of Clarence, NY who specializes in Estate Planning. Looks like this might be another lawyer renting his name out again. (Information from the FindLaw lawyer directory as of 7-15-06).

Kirk A. Cullimore, P.C.  Utah  April 23, 2007

 This guy is a local attorney who specializes in debt collection. He has been after me for an alleged debt I owe to an apartment complex that I lived in 2001-2002.
I keep getting nasty-grams from his office claiming that I missed a court date, a judgment was entered against me and that there is a warrant out for my arrest for failure to appear. The amazing thing is that I never got a notice to appear in the first place. So how am I supposed to know when and where to show up for court if I don't get a notice? So now I have a judgment against me for $3550.00 and it is on my credit reports. Anyway, I wrote him and said that I completely deny owing him or the apartment complex any money whatsoever. And if he has documentation to the contrary, I want to see it. Thus exercising my rights under FDCPA. He wrote back stating that he doesn't need to validate the debt and is not obligated to furnish anything under FDCPA.
Earlier this month (April 2007) I got another letter from his office stating that I missed another court date. Again, I got no notice to appear and the letter was sent almost two weeks AFTER the alleged court date. This letter also had attached to it a sheet demanding my personal information, bank account numbers, work information, monthly wages, assets, etc. I wrote him back and told him that he was not entitled to this information and I was not going to give it to him.
I then sent him a letter demanding he stop collection and cited a precedent. The case is Spears vs. Brennan March 26, 2001. The appeals court determined:
"Brennan (plaintiff collection agency attorney) violated 15 U.S.C. § 1692g(b) when he obtained a default judgment against Spears (defendant) after Spears had notified Brennan in writing that the debt was being disputed and before Brennan had mailed verification of the debt to Spears."
I further stated that if he doesn't stop collection and have the information removed from my credit immediately, I was going to sue him for violating FDCPA, section 809 (b).
I also wrote the presiding judge asking him or her to set aside the judgment based on the above case. As of the posting of this letter I have not heard from either the attorney or the judge. I have also disputed the judgments to all three CRA's. Thank you Bud Hibbs for all you do!  You may have an avenue of filing a complaint with the State Bar if this attorney has violated or ignored the law.

Mead and Associates   Columbus, OH  April 22, 2007

One of their representatives contacted me 3 years ago and verbally threatened me on the phone. He claims he's a lawyer and will take me to court and be ready to be sued for everything I own. I was a single mom then and working for minimum wage. I was too naive and scared to ask for validation and decided to make monthly payments. Had I known about Bud's website, I would've known how to deal with this guy. Watch out for this agency as they will call you at work and at home and be very verbally abusive.

Sharinn & Lipshie/Forster Garbus  April 20, 2007

After reading through some of the comments a familiar experience has come up. I was served a judgment by both Forster Garbus representing Palisades Collection, and from Sharinn & Lipshie. My bank account was frozen in both cases without ever being served. I live in New York State where agencies like the above seem to lie their way through the court system with illegal documents. In turn all of this fraud is getting recorded by Experian whose motto seems to be be "pay us a buck and we will post it." I do not know whether they buy people or how they do it, but the NY State AG does absolutely nothing to end this. They are too busy chasing bootleg tee shirts and videos. I settled both collection claims and had my bank account released. Getting the judgments cleared off of my credit report is still a nightmare. Both are still on there after over a year with the promise by both of these so called Law Firms that they will take care of it. I think that it is time for the Federal Government to step in and end the shame that these people are bringing to the so called judicial system in New York State. Collection Agencies need to be pulled into legal compliance.

Vidal & Vidal Inc. Dallas Texas  April 13, 2007

This company called 12 times in one day. They have been recorded misrepresenting themselves and using abusive tactics. Stephen Anthony AKA Tony Vidal is the owner. His tactics are definately in violation of the collection rules. His company claims to be a bonded Texas collection agency and clearly is not. His collection technique is abusive and profane, and should be stopped. Please add this company to your list of abusive debt collectors. We have filed a complaint against them with the Texas Attorney General want them stopped. We are also preparing a lawsuit. They have an employee by the name of Kenneth W. Treuter who claimed to be a licensed attorney. After checking with the Texas state bar assoc. he is not licensed to practice law. Please stop this abusive collection agency.

Vidal & Vidal, Inc., doing business as VIEW Collection Specialists, is located at 1012 N. Bishop Ave., Suite A, Dallas, Texas, 75208  Telephone:(214) 239-2906 Toll Free:(866) 902-7704 Fax:214-340-2945

website: http://www.webspawner.com/users/vew/index.html

Maximum Recovery Solutions  April 12, 2007

This agency has violated the FDCPA several times. The first happened when we contacted the agency and spoke with a Mr. Tony Diaz, who during the call stated that we were to pay the account or it will be forwarded to their in house attorney (This of course was after we stated that the debt is in dispute). We requested validation of the debt to which we were told that we could not, that we just needed to pay it. I informed them that they are required to validate the debt and them receiving it verbally according to Brady v. The Credit Recovery Company it the same as it being in writing. Again we were told we were wrong. They also never, not 1 time gave the Mini-Miranda. When we informed them of their mistake we were told that it was not a requirement, only a guideline.

We then faxed a written notice of dispute, validity, and documentation showing them of their violations. They responded in writing telling us that they did not violate anything (Even acknowledging their errors, however stating they are not illegal). They also stated that they will provide validity of the debt if they can get it form the original creditor (Who we still have accounts with?), but if they cannot get the validity that we still owe the debt?

No phone calls were received for several weeks, nor did we receive any documentation proving that we owe the debt. Then out of the blue we get a phone call form a different rep demanding payment and stating we were about to get sued if we did not pay. I advised him that we have never been provided validity of the debt, and was told they did not have to provide that. I informed him I knew the FDCPA, to which he got angry and hung up.

I was a debt collector and let me tell you that there is no way I would treat anyone like this, these people give good debt collectors a bad name!

Plus Four Professional Debt Recovery Systems  (Las Vegas, NV?)  April 12, 2007

liars, not up front with providing proof of debt, mis-application of payments paying interest to them not to the principal amount

Creditors Collections Bureau  April 12, 2007

Flat out harassment. Refused to identify themselves yet tries to seek information from people. All this for $50?

-- LETTER TO COLLECTION AGENCY FOLLOWS --

On March 29th 2007 at approximately 9:20am my husband received a call from your office. "Sanda" on the phone refused to provide who they were and their employer. They provided a false phone number of 815-933-0568 and only provided an address of PO Box 63 Kankakee IL 60901. They asked for the location of <my name> during this conversation.

On April 11th at approximately 3:40 pm I received a phone call from an automated system which allowed me to simply press 1 and receive information which identified my Name, Address, Debt and amount to anyone willing to press 1 on a touch tone phone. After doing this I routed myself to an operator who refused to identify themselves or their employer when asked.

I count the following Violations 15 U.S.C. 1601 et seq.
1. First Call: My husband (a third party) was requested to provide information about my location. His request to "Sandra" for her employer information was refused. Violation of 804(1)
2. First Call: Provided False information to my husband while attempting to gather information about myself. Violation of 807(10)
3. Second Call: Refused to identify themselves after I said my name was <my name>. Violation of 806(6)

The "Fair Debt Collection Practices Act." establishes a private right of action for debtors who receive such calls. § 813. Civil liability [15 USC 1692k] of the "Fair Debt Collection Practices Act." provides:
(a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of --
(1) any actual damage sustained by such person as a result of such failure;
(2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; or
(B) in the case of a class action, (i) such amount for each named plaintiff as could be recovered under subparagraph (A), and (ii) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and
(3) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney's fees reasonable in relation to the work expended and costs.

(b) In determining the amount of liability in any action under subsection (a), the court shall consider, among other relevant factors --
(1) in any individual action under subsection (a)(2)(A), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or
(2) in any class action under subsection (a)(2)(B), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector's noncompliance was intentional.
(c) A debt collector may not be held liable in any action brought under this title if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.
(d) An action to enforce any liability created by this title may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.
(e) No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Commission, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.

There were two documented calls where your representatives failed to comply with the "Fair Debt Collection Practices Act." There were multiple violations of the act that took place during these calls. Under section 813(2)c this is only permissible if the violation was not intentional. Since there were multiple occurrences of this and your representative on the second call stated that "There were procedures that needed to be followed" I believe this violation to be intentional.

Under 813(2) I am entitled to seek damages up to $1000 for this offense. In the event that you would prefer to resolve this matter without court fines and attorney's fees, you may remit the sum of $500 to the address above. In exchange, I will forgive the violations that occurred on or before today, April 11, 2007. If I have not heard from you by 5:00 pm on May 10, 2007, I will initiate a civil procedure, and my offer of settlement will be withdrawn.

Oh snap!  You go girl.

Capstone Investments, LLC   Gilbert, AZ  April 12, 2007

A new scam has been developed by these low-lifes. After failing to meet the time-requirements as specified in my Cease Comm letter (30 days) they came back, 2 months later, with a letter saying their mailing address is not really THEIR address but that of someone "we pay for the address usage." Further they state, "Our mailing address is for mailing purposes ...?????

They then went on to explain they are not a COLLECTION AGENCY even though their first letter contained the line, "This is an attempt to collect a debt" and they referenced a MBNA account. They then go on to say, "... since the FDCPA was not written for us, we are under no obligation to follow it."

And the upshot of all of this they did not address any of the points I requested in the Cease Comm letter, nor did they respond - as I succinctly pointed out must be done - by Certified mail. The failure to NOT follow that basic instruction means (as I told them) that I will ignore any and all future correspondence from them.
WHERE DO THESE PEOPLE COME FROM?  You might want to get  a NACA lawyer on the line...

Fein Such & Shepard - atty for Laridian Consulting  April 12, 2007

I have been served court papers filed by the above. Laridian Consulting (whom I never heard of until I got those court papers) the company claims to be an 'assignee' of Bank America. They are not, they are secondary debt buyer. I requested proof of the debt, I got a 2 page fax, page one , the 'supposed' debt purchase had all $$ fields blacked out, no mention of BankAmerica, no dates, other than the date this paper was signed by someone from Laridian and someone from Collect America, this doc was dated April 6, 2006. Page two was a fuzzy printout of 1 page of a credit report, no name, no dates. Some of the items I recognized, some I did not. I had never been contacted by Collect America either. I had an account with Fleet Bank( later taken over by BanKAmerica) that account was closed in 2002. There was a balance, a result of overdraft protection transfer on my checking account. This was not a credit card account. I have been responding to each letter received from Fein Such & Shepard , I have disputed the amount of claim and they have provided nothing to verify the original information as submitted to the court. A court date is set for May 5, 2007. My last letter to Fein, Such was a settlement offer, which specifically stated that I do not confirm owing Laridian or anyone anything, they have failed to provide proof, but I just want to stop the harassment. I offered them approx 1/3 of the amount they are seeking in court. I have not yet heard back from them Has anyone else dealt with either of these two entities.

This is the second time I've been sued by a debt buyer, last time I lost, even though the plaintiff did not provide proof of the original debt. All they had were photo copies of monthly bills from the old account, the judge accepted this a proof that I owed whatever amount they claimed that I owed. The fact that I had already paid off most of that original card balance and the the money they were awarded was actually 4 times the card limit seemed excessive, the judge considered my argument 'irrelevant'.

Sharinn & Lipshie PC  April 6, 2007

My wife and I are currently dealing with bad debt load after changing our phone to unlisted, we received a bogus "information subpoena" requesting information about my wife asking for copies of checks, employment etc. This was mailed and addressed to Landlord/Building Manager. It had the representation of a real court document but is NOT. They used "The Supreme Court State of New York, County of Dutchess" heading. Prior to that they hand delivered to us a "Consumer Credit Transaction" also looking like a true legal judgment document using the same legal looking "Supreme Court, County of Dutchess" heading and a copy then followed in the mail from a PO box for the return address. These were dated 2-2-06 and stated that they were the attorneys for GE Money Bank to whom we owe the money to. On the bottom of these letters is a contact person "Mr. Edward-114" and the phone number to contact them. We took no action realizing that the were bogus made up court looking documents. On the bottom pages of these documents is the standard "This is an attempt to collect a debt,e tc." I went onto the Sharinn & Lipshie Law Firm website and couldn't find any information on their so-called attorneys. Now another year has passed and to this date have been unable to resolve the last few remaining money problems. Now we have a letter from Daniels & Norelli, PC about the same debt. But the problem is Sarinn & Lipshie have somehow frozen our joint checking account at our local credit union as of Friday and we were never served with papers. The dept. at our credit union was gone for the weekend and we were unable to retain any copies of the paperwork the credit union has. I'm wondering if the credit union received bogus looking documents and acted on it ? I would think we would have to be legally served first then action takes place. Also if they are both attempting to collect same debt is this legal?

Patenaude & Felix, CA  April 6, 2007

I received a court summons last August from Patenaude & Felix, and have since settled with this company (acting for Unifund), and paid the settlement amount. Despite this, they have not filed a dismissal with the court, so the court date is still set. My thoughts are that this company is hoping to "double dip" and receive a default judgment in addition to the settlement. I settled with them so I would not have to go to court, and now I might have to anyway. Is there any way for me to file the dismissal or a request for one?

CashCall, Fountain Valley, CA  April 4, 2007

Cash call gives out loans to people who can't get a loan anywhere else. They even issue a loan for someone who has no verifiable income. However, you have to supply them with picture ID, social security number and a copy of a voided check to make sure they get payments from you. They do their transactions over the internet or by phone. All you do is fax in your ID documentation. If have to close an account or are unable to pay, they harass you constantly and threaten you with Grand Larceny if you don't pay them. They won't negotiate payments you can afford and on the $2600 loan, the interest is 96%. These guys need to be shut down.

Lawrence Hecker, Attorney at Law  April 4, 2007

I have been dealing with this "Attorney Office" for over 2 years now. It started with a old credit card debt from over 8 or 9 years ago. I have been paying through a payment plan, but last time the payment did not go through. They called and when I offered to pay a double amount the next week the nice guy I had been dealing with turned the phone over to a "Ahole"! He started demanding full payment of $4000 which is not even the amount owed anymore unless someone else at the firm has been pocketing the money. The guy then said that he would start the process, what that process is who knows. I said do what you gotta do. He said I was being blaze' about it and I said I wasn't going to cry that I didn't have the money. He then stated again about taking "other action". He said "good luck to me" and hung up. I thought they were going to do something and what they did was pick up the phone book and call my next door neighbor who is very old and left a message for me to call them. I know that is against the law. It is like this CA/law firm has a split personality. One minute they say they will call to see if it is okay to run the check through and the next they are harassing me. They had already received a letter last year to not call my work by letter and verbally. They stopped calling me at work, but they still call my Father's home and my cell phone and now my neighbor. I am at my witt's end and am wondering if they have been sending my payments to the original creditor or if they are keeping the money themselves. I am going to file complaints in their state and mine.

CashCall  April 4, 2007

I am currently employed at CashCall right now as a collector. Although, They are not a collection agency...the collections department is approx. 500 strong and growing. This is the most illegal collection department that I have ever worked for. I have met people who have worked for Shekinah and NCO who now work at CashCall, and they say we are 10 times more illegal. Everyday it is hilarious hearing not just one but all collectors telling 3rd party's or whoever answers the line that they are from the sheriff's, attorney's, legal department, fraud department, court house, and investigation department. They threaten suit, garnishments, actually anything they can think of. The crazy part about it is that all the management knows and they are ok with it. The motto there is "Do what you have to get the money". so whether you are 30-60-90 days late ...you will get these threats guaranteed. I don't consider these guys good collectors they are just total thugs. As a collector myself I never thought I would say this, but I feel bad for the debtor..96% interest. is that even legal.. If you are a customer with CashCall and you are late as little as 30 days...record the phone call,,,you will have an instant lawsuit.

Check and Merchant Services   April 4, 2007

Like others on here, I too have received my second letter from these folks regarding the Notice of Transfer of Criminal Check Fraud File." OOOH and it's going to be part of my "permanent record." I called these fine folks many months ago when I got the first letter. I asked for some verification of the supposed debt, which they told me was a $59 check I had supposedly written in 1999 (the amount the letter is for is $184.) They told me they didn't have any of the documentation, just the amount. Well, first off, if I did write this supposed check, my bank didn't notify me of it, it's been 8 years and I do believe the statute of limitations has come and gone. I would strongly urge anyone else who gets this not to pay these jokers.

United Debt Solutions  United Abstract Group   April 4, 2007

United Debt Solutions is a subsidiary of United Abstract Group. They are scum. I received a call at work from these low lifes telling me 'that there was a summons out on me and that if I didn't pay them by 12:00noon I would be served.' I had had a similar experience with Lenahan so I just told the creep on the phone, who had not identified himself, that I knew this was bogus, and that I would be reporting this call to the Attorney General of NC. I had already done that with Lenahan.
What was strange about this call was that the creep used my full middle name. I always use my middle initial and everyone I do business with uses my initial. I wanted to report this call to the attorney general, however the creep was careful not to give his name. But 2 days later I received a letter from United Debt Solutions, whom I had never heard of before this, the letter looked very similar to the one you posted for United Abstract Solutions. The letter was address to me using my full name on the envelop and on the letter, then I knew who to make the complaint about. What is laughable, is that this debt which was only a third of what they want me to pay was charged off n 1999.It came off of my credit report last year. It was sold but not to this crowd. I guess these creeps just keep selling old debts to each other. I wonder how many more of them I have to ignore or report before they go away.

Premiere Credit of North America    April 4, 2007

Student Loan people. They called my mothers number which is what I used 20 years ago when I applied for the loan even though they had my regular number. I politely asked that they NOT use it. The guy agreed and then 3 days later they called back.....at the same number.

Asking me if I was "still refusing to pay the loan". I informed them I receive a little under $800 per month in SSDI benefits to cover food, clothing, rent, utilities, gas, insurance, medical etc. Just to let you know, this nowhere near covers living expenses in the northeast and I have no "luxuries" such a cable, clothes shopping at anywhere other than bottom of the barrel discount places or dining out. The only item I allow is $20 per month for my internet which keeps my sanity intact. "Tax free?" he exclaimed (as if that makes a difference when your living under the mean poverty line in terms of income). He asked if I wanted to speak to their "disability representative" who would help me file with the education department. Obviously they expected me to be combative but when I said "yes, sure" he hesitated, put me on hold and after 3 minutes I hear the phone hang up with no return call. I called the number on the caller-ID back but, of course, the number is no good.

One funny note is their website http://www.premierecredit.com  Their banner is a flash animation of sharks swimming. The explanation for this is " Sharks are constantly moving forward, resistant to infections and cancers.....". So there you have it, we are "cancers" and "infections" to Premiere.

Bradley Rephen- Law Office of    April 4, 2007

Law office of Bradley Rephen is listed on my new credit report. Who is this collector and is he in with McKelvey and that bunch? This is the first we have heard of them. Any info would be helpful. Thanks for this in advance

We don't think he's with McKelvey/Giove and gang, but we are still researching.  We do know he's showing up on the radar a lot all of a sudden.

Forster and Garbus  Buffalo   April 4, 2007

My wife had a credit card through key bank, part of "the deal" was free life insurance on the account, and we purchased disability insurance and had been paying it when my wife became permanently disabled due to an accident, she reported the disability but found out that the bank refused to make payments on the outstanding $10,000.00 balance. recently we found out our checking account was locked and that we were found in default judgment for $30,000.00. we did not receive any prior notice what so ever and were told by the bank that the disability policy was switched by them to life insurance only!!! and the account was sold to forster and garbus. now we found out that the judgment was filed and that we were reportedly served a summons. It never happened , the copy of the summons we obtained was totally false. we are now in the process of hiring an attorney to fight this, they were allowed to make stuff up, lie, and perjure themselves, and no one questioned it. till now we have had perfect A1 credit!!!

Advance Bureau of Collections  Georgia?  April 4, 2007

I have recently sent a letter to the Advance Bureau of Collections stating my intent to sue. I have them on several violations right now.  They are idiots.

Advantage Debt Services USOBA  Dallas, TX  April 4, 2007

I have been receiving hang up phone calls from the same number for the last couple of weeks. This morning someone finally spoke. He said that he was calling from Advantage Debt Services and that they had been notified by all three credit bureaus that my credit score was dangerously low (below 620), and that I was in great danger of being forced into bankruptcy. He said that with the help of USOBA my debt could be reduced as much as 40% interest free. I do have some unpaid credit card bills, but they are well past SOL. The caller's approach sounded very suspicious. Who is really behind this?  (Sounds like a solicitation call...)

Graham, Beagle and Associates  Glendale, AZ  April 4, 2007

These people called my 80 year-old father-in-law and told him HE was going to jail if he didn't tell them where I was. They also called an aunt (threatened with a subpoena), my sister (threatened with a subpoena), my father (threatened w/jail time) and my aunt (threatened w/subpoena). I was not contacted once.

They claim I owe them for a Verizon Visa from 2001 that I never had at all. There's nothing on my credit report in regards to a Verizon Visa. They falsely identified themselves as "investigators". One told my sister that he was with the Maricopa County Sheriff's office. They told my family that I was going to jail for fraudulent checks and fraudulently acquiring a credit card using fake income (??) on a credit card I never had.

When I spoke with a Mr. John Benning, I asked him to stop calling my family and requested that he not call me at work. He stated that I was making it "very difficult" on myself. I told him be that as it may, I am making the request. I will also send him a cease and desist letter.

I plan on fighting these scum. I am filing a complaint with the state Attorney General's office and the FTC as they advertised my debt to six people.  Don't let these people cower you into a corner. Fight back!

Paul Law Firm aka Archer Financial Salt Lake City, UT  March 23, 2007

Called my elderly father and masqueraded as a law firm. The last name of the co-owner is Law, the other is Paul, hence Paul Law Firm. Said they were trying to locate me and told him I must call back immediately to avoid lawsuit and gave him an account number and 800 number. I live in another city, don't know how they got his number. I could not verify either as a lawyer.

I called back. They said they would not tell me what it was about unless I gave them my driver's license #. I refused. I have never received anything in writing from them, no collection notice, no chance to dispute, etc.

Why would they call a relative as the first attempt at contact?

KCA Financial Houston, TX  March 23, 2007

For the past two Sundays I had been receiving calls thru out Saturday Morning From a Chris Starks with this company in regards to an Illegal Debt with Chase Bank. When I tried to explain the situation to him his demeanor quickly changed stating we were deadbeats and even calling us illegal aliens who do not pay their bills. This was funny the first Saturday since I spoke better english than Chris and just left it alone till he called back the next Saturday and started again this is when I became upset I pointed out all the violations of fdcpa he was committing and he stated he didnt care asked to speak to his manager and he kept hanging up on me using a little research I located his callback # and continually called him Saturday morning till I finally contacted a supposed Unit Mgr Mellisa Meyer Left complaint with her and will also follow up with the owners on Monday and file complaint with atty general. The funny thing is if he had allowed us time to explain the situation it would have been satisfied by a little research on his end instead he chose to curse and degrade making the situation an uncollectible one on his part

Security Credit Systems, Buffalo, NY  March 23, 2007

Twelve years after the statute of limitations expired on an old college debt, Security Credit Systems in Buffalo, NY put the $12,000 debt on my credit report, probably because I'm now financially comfortable and they hoped I'd pay them to get rid of them. If the debt were still with the college, I'd pay it tomorrow, but I refuse to pay a collection agency, especially one that resorts to illegal reporting and then refuses to take or return my phone calls when I demand that they do something about it.

Audit Systems, Clearwater, FL       Date: March 23, 2007 

Reading these posts suggests to me that some of these collectors, such as the one noted here, are using a tactic that represents a new low: calling the elderly parents of someone they claim owes a debt. For the past several months this company has been repeatedly calling (several times a day) my mother who is in her eighties saying they are looking for me. First, I'm close to retirement age myself, so I haven't resided at that address for 40 years--in fact, I live on the other side of the country. Secondly, I've never received any mail from this "company", and I've lived in the same place for 12 years. They've harassed and threatened her, even implying that they knew or represented her bank. She has been so terrified that she refuses to answer her phone, watches for cars, and wants to change all of the banking paperwork. I called Audit Systems and asked for a person who calls herself Wanda. I said I was calling in reference to repeated phone calls to an elderly woman at xxx phone number. She replied, "she didn't say she was old." Then she hung up on me.
Audit Systems has no website, but digging online, they can be found listed on a website for Casino Vendors. I also know from finding another complaint site online that they hire and apparently mistreat temp. workers (not much training there). I don't know what they want, nor who they are (I don't have any association with casinos or gambling in any way.) Any information about them would be appreciated.

J.C. Christensen and Associates       Date: March 22, 2007 

This collection agency, supposedly members of the BBB, was requested to verify debt from learning of a negative entry to credit reports from my spouse. They received, via their supposed "recorded" telephone call (which they advised us the call was recorded) of our proper mailing address. Several weeks later, their collector called again, and I advised the collector, with my wife present, we had not received debt verification. The collector, a bit defensive, said she would send out the debt verification again.

In the middle of this month, we sent, via fax AND certified mail (both which we have confirmation of) a cease comm letter, as they never verified debt. We also sent a sworn statement saying we requested verification of debt and never received it. Lo and behold, three days AFTER receiving the cease comm letter by mail, and almost a WEEK after getting it by fax, their collector called again. I let the call go to voice mail. Yesterday, another collector called again. I informed her that the call was in violation of a cease comm letter, as her beginning statement was not about suing my wife for the debt or that they were ceasing collection of the debt. The collector immediately got defensive, and said "we can call" at which time I hung up the phone on her. My wife and I have retained an excellent lawyer and the lawsuit will be filed either today or Monday for their flagrant violation of the FDCPA.

Simm and Associates       Date: March 22, 2007 

Simm and Associates disclosed to my fiancée they would attempt to garnish my wages if I did not make a payment arrangement with them. They also threatened action against my mother's mortgage (who's house we live in).

As soon as I advised them that my father is an attorney, I currently live below the poverty line for the state of Missouri, and that I have been seeking legal advise regarding credit collection, they stopped threatening me and offered to take payments of "whatever I can afford at the time." They also changed their song of "only able to take payment over the phone" to "yes, we can take a check, here's the address."

They appear to have their own "private investigation unit" and will have their investigator contact you claiming to be a licensed "private investigator" attempting to determine if the status of the debt is correct. Watch out for these guys. Until they realize that you know what you're talking about, they try to push you around!

Creditors Exchange    Date: March 22, 2007 

I am enrolled in a credit consolidation program. I have been receiving calls from Creditors Exchange saying they will be filing a petition against me in a Queens County Court. I did not answer their calls even when they left messages saying it was time sensitive. The other day at work I received a call and the person said they were from my credit consolidation program stating that they could not handle this claim because they had to protect themselves against petitions and that company could contact my place of employment and garnish my salary. I was very upset of course and went in to inform my boss. Foolishly when I got home and called Creditors Exchange, the man I spoke to lowered my payment and convinced me to put the amount on another credit card that had no balance. Afterwards I called my credit consolidation company to complain. They said they never called and would never asked me to pay a credit card with another credit card and would have never that a creditor could garnish my salary. They said someone from Creditors Exchange misrepresented their company. I now have to contact the Attorney General about Creditors Exchange and dispute the charge with the amount I put on my charge card. I am also going to contact Bank of America and inform them about the collectors service practices that they have employed. I wish I had call my credit consolidation company first.

FBCS (Charlotte)    Date: March 20, 2007 

A rep sounding just like a woman, but found out later after calling back to get the fax # to request a do not contact letter to them it was a man by the name of William. Called me a bad person, said they would garnish my wages if I don't pay him, called me a liar and said I had a bad attitude. This is all while I am at work. Would not allow me to speak by consistently throwing harsh remarks @ me. Have since contacted a Consumer Credit Attorney.

CBC National    Date: March 20, 2007 

Wow... Some of these outfits are really a laugh! I am in the middle of several lawsuits against bottom feeders trying to collect on old debts that are way out of statute or have grosssly re-aged my accounts. After recently disputing multiple items with the big 3 Credit Reporting Agencies, I now see an entry for account that is no way mine, and was just added! I do a Google search and lo and behold, CBC National is actually these scum bags:

CBCS     236 East Town St   Columbus Ohio 43215      740-345-6651

What's amuses me even further is that they added this bogus entry to my credit report WHILE I have a major law firm suing other bottom feeders for doing just that! Ca-Ching! More money for me (and my lawyers, of course). I hope they call me! Lots of times, so I can record them making threats and lots of other violations! WooHoo! Ca-Ching, Ca-Ching!  Bud, your site and services here are among the BEST things the internet can provide, hands down! It feels sooo good to have the upper hand on these crooks now!

Pioneer Credit Recovery  Date: March 20, 2007 

Pioneer Credit Recovery is an agency to watch. Got a call from them the other day on a paid bill for which we have supporting documentation. They are almost impossible to reach by phone and when I did finally reach them and asked them to send me a validation letter the "gentleman" actually swore at me and told me to to "pay my g*dda*m bill!" The "bill" isn't even mine! It belongs to my husband! These people have actually been hired by the US government via the IRS to collect on unpaid taxes! What is our government thinking?

National Asset Recovery Services NARS  (Florida) Date: March 19, 2007  I ran into your website while trying to search and get results on a problem I'm having. About one and a half years ago I went thru a divorce, I lost my bank account because my ex-wife cleaned it out, so while paying for an attorney, and trying to get my life together I was forced to stop paying on 3 credit cards I had. I got collection letters, calls, threats, you name it. After about 4 to 5 months I managed to pay 2 of them off, then within the next 2 to 3 months I paid my target off, about 2 days after I sent my target payment I get a letter saying it would be turned over to a collection agency. I called target to explain, they said if I didn't pay it right there and then, it would be forwarded to a collection agency. I informed them I didn't have a checking account but I had just sent the money order 2 days prior.  2 months later I get a call from a collection agency, I told them it was paid, they said no, I told them the story, then all of the sudden they stop calling. Now one year later I get another letter, this one from National Asset Recovery on the same account I paid. They asked me to send a copy of my ID, Social security number, and a cancelled check. I am not about to do anything like that.

Hoffman, Weinburg& O'Brien   Buffalo, NY  March 19, 2007  This is a collection agency owned by Steve losel and John Cordova who pretends to be a law office with a phony letterhead with a scale who's paper is all out stat. We were told to lie to debtor's about charge off dates. This is llc who has broken many fdcpa/sdcpa laws.

NCL Financial Services  March 19, 2007  I keep getting calls from a firm called NCL Financial Services. I never answer the calls, only let the answering machine get it. They say it is an attempt to collect a debt I owe. I have no idea what they are talking about nor I have any idea about any debt. As far as I know, I do not have any debts. I have never received anything from them in the mail, so I cannot send them a cease and desist order. Yet, everyday, I will get at least one call from them. This has been going on now for about 6 months. They have obviously violated Federal Law already. I just don't know how to get them to stop or how to complain against them since I don't know who they are or where they are.

KCA Financial  March 19, 2007  Do you have any derogatory information concerning this collection agency, or is this an honest (and I use that term very loosely) debt collector?

J L Walston & Associates, Durham,NC  March 19, 2007   I received a letter from J.L. Walston & Associates based in Durham,NC stating I owe $205 for an old Duke Energy bill that I had from 2001. I moved and shut the power off and never got a final bill from Duke. I had pulled my CR's in Dec. and January and this CA was not listed. On or about Feb. 24, 2007, I sent a validation letter to them via certified/return receipt demanding them to not place a negative entry on my CR and that they send me proof. I received the return receipt dated and signed 3/2/2007 (even though I got it around the 3/10). On 3/15, I received a copy of Experian and they were listed, as of 3/16, I still have not gotten the validation but they sure placed it on my CR. Watch these idiots, I am contacting an attorney for this!

FNCB  Tulsa, OK  March 19, 2007  Today, I received a call from FNCB, but because I didn't recognize the number, I didn't answer. I suspected they were a collection agency, so I looked them up online. Can you tell me, who are they? Their phone number, for reference is 775-322-0444. Thank you. FNCB is First National Collection Bureau Inc. 610 Waltham Way
McCarran, NV 89434  

Harvard Collection Services, Inc  March 15, 2007  This collection agency is almost impossible to work with. I had a ComEd electric bill that went into collection after my wife and I divorced. She never gave me the final bill, and I assumed she paid it under the terms of our divorce settlement. A year ago, I received a threatening collection letter from "Katie Grant" of Harvard Collection Services, Inc. in Chicago, Illinois, in the amount of $316.00. I left five messages for "Katie Grant" to call me, and when she finally called back, she told me "ComEd will not negotiate any settlement, you have to pay it in full". I retained the services of a credit & debt counselor/specialist in June of 2006 to settle any past due accounts that were left over from the divorce. My credit counselor is a wonderful person, and several times she attempted to contact Harvard Collection Services and got the run around. Finally, in July of 2006, a CEASE AND DESIST letter was sent to Harvard Collection Services telling them to cease all efforts because of their unwillingness to negotiate a reasonable payment plan or settlement. We settled the account directly with ComEd. According to the FDCPA and the FCRA, when you fire the debt collector, they must remove their derogatory tradeline from your credit bureau reports. To this very day, Harvard Collection Services refuses to do so, even though the debt was settled and paid directly to the original creditor. I have reported Harvard Collection Services, Inc. to the Illinois Attorney General for violations to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have also filed a complaint against Harvard Collection Service with the Illinois Department of Professional Regulation. They employ some of the most ignorant, unprofessional and rude people I have ever encountered. If they fail to take it off your credit, you may be entitled to compensation.  visit www.myfaircredit.com 

NCB Management Services  March 15, 2007  Several years ago I made arrangements to pay out the existing amount due on this account for which now I could kick myself. I made monthly payments (never skipping any)  by money order until I started making the payments via my bank's bill pay. When I started doing that I just automatically sent the payment on the 1st of the month rather than waiting til the 22nd when it was due.

Because I knew I made the payment I never bothered to open the letters they sent each month because in the past they contained nothing but a statement together with an envelope. It wasn't until last month that I opened one of these notices just to check the balance and saw they were threatening me for "...not making regular payments!"

I found one of the statements from last year and after comparing balances it was obvious that I was getting the proper credit and hence was up to date. All I can think of is that because I made my payments 2-3 weeks early they weren't counting it as that month's payment and in their records showed me behind one month. I wrote them several letters, all certified, pointing out that all payments have been made and that I considered their letters harassment for which I was going to file a grievance if they continued. Needless to say they continued with another one coming in today saying they wanted the balance! I see no choice but to file a complaint and am seriously thinking of discontinuing payments altogether.

Regional Adjustment Bureau, Seattle, WA  March 13, 2007  About 6 weeks ago, my husband received a call at work from a Regional Adjustment Bureau collector, threatening to repossess his vehicle. After calling the finance company, we found it was a simple clerical error, it was corrected and we were assured there was no outstanding balance and not to worry about additional collection activity.

This didn't stop Regional Adjustment Bureau from calling us constantly, sometimes twice in one day, to harass us for money we don't owe. Despite the fact we've told them to stop calling my husband at work, they still persisted for at least two weeks. They've used extremely foul language with him, calling him a liar, lowlife scum and constantly threaten to repossess his vehicle and damage his credit. Unfortunately for them, the finance company has no intention of doing anything because there IS NO DEBT. It's also worth noting that Regional Adjustment Bureau does not have the authority from the finance company to report any account to a credit bureau or to repossess property. They have an in house division that does repossessions and a collections department that handles credit reporting. We've not only been told this by the finance company, but by Regional Adjustment Bureau themselves. Yet they continue to threaten us with these things, thinking that it'll scare us into paying a debt that doesn't exist.

We've filed grievances with the FTC, the BBB and the Washington Attorney General. Hopefully that will get their attention. If not, I could use the $1,000 per violation that we'll be able to sue them for.  You might wish to complain to the Finance company at higher and higher levels until they agree to stop using Regional.

Jon Barry and Associates, Chattanooga, TN  March 12, 2007   these scumbags really take the cake. they call two and three times a week and demand some sort of verification from you such as ssn, or mothers maiden name or home address, but will not tell you anything about themselves stating that there is a different law they follow that supposedly says they must identify who you are before they can give any information about themselves. this is a bold faced lie. on top of this, I sent these fools a letter of cease via certified letter which a Jim Pickard signed for on 8-3-06. at which point I started receiving collection letters from their attorney, one William J Allen, P.A, Attorney at Law. then I received more collection letters from Jon Barry themselves. the first amount they claimed I owed was $320.00, now all of a sudden it has doubled to $620.00 all this long AFTER they were ceased, which I know is very illegal. I have reported this blatant abuse to the FTC and I am going to hire my own attorney to go after them to make them see the light

Law Offices of Hemar, Rousso & Heald, LLP. Encino, California March 8, 2007   I just recently found out how I got scammed big time by a collection law office. They filed a judgment against me and put in a phony address as my last known address on the "Notice". So I didn't (couldn’t) even know about it until 5 or 6 years later when they started collection actions, because I never got the service and didn't even know I had a judgment.  They were representing a big bank and don't seem to mind doing "dirty tricks" to get their way. If you unfortunately get involved with them. WATCH your paper work (or lack of it) carefully.

Pressler & Pressler  March 8, 2007   They are corrupt!!! After doing some research I found this website, which validated the negative information on Pressler & Pressler. Every time I asked for the Original Creditor of the debt, only were they evasive but kept wanting me to just pay the debt even if it was not mine!!!! They did not allow to verify the debt so I submitted a complaint as I feel all those individuals duped by similar practices by Collection Agency Goon Squads trying to lie and cheat their way into our bank accounts!!! Many of us have faced hardships that caused our delays in repayments but not to the point to be legally assaulted by people that remind me of a Collections Mafia then legitimate Debt Collectors. Thanks for your site!! Kudos!!!!

Burgess Law Office     March 2, 2007  http://www.budhibbs.com/giove  I worked for this office in Niagara Falls, I overheard other collectors stating that they were from the sheriffs dept. And that they were on their way to their house to arrest them. As well as saying they were from the warrant and summons dept of the Burgess law office. Believe me there is no such dept. They were verbally abusive to the debtors. One woman had just lost her husband, the collector was overheard saying "I'm sorry for your loss, but you need to see if you can borrow this money and pay this debt, before we haul you into court and you pay your legal fees as well as ours. I was truly sickened at that point. I'm glad I no longer work for this company! They hire the worst of the worst in collectors. The majority of the collectors are former Giove workers.

Omni Credit Services     March 2, 2007 Not to be confused with Omnia Credit Services out of California -- this is Omni Credit Services out of Tampa, Florida. "Tracy" as she called herself, threatened to have my wages garnished. When I suggested I put my employer's Human Resources Dept. on line to discuss this she changed the subject, then told be I better get a lawyer because they were "coming down on me." Told me that would not accept small payments from me, only the balance in full.

Editorial     March 1, 2007

I understand that there are debt collectors out there who mislead consumers and have to be bullies and try to scare people into paying their debts. I have been a debt collector for 15 years and I do not meet your "profile." I am not a bottom feeder, I do not break the laws or mislead consumers about the status of their debts. I assist consumers and give them resolutions to get their debts settled without being a bully or being rude or breaking the law and I am very successful at what I do. I am seeing a new problem in the industry and I think you need to address it with the consumers because you are so well known and have the ability to assist them. There are several "debt settlement" companies out there now that the bankruptcy laws have changed. So many of the consumers that I have talked to are misled about what these companies really do for them and someone needs to get the word out. These debt settlement companies tell the debtors that they are "arbitrators" which I think is very misleading to consumers. Some of these consumers have great credit, but had a financial hardship and got behind on one bill and maybe became overextended and are just trying to get back on their feet. I know this because I was in a financial hardship situation a few months back and I had applied for a consolidation loan at my credit union. I was overextended and I was denied but then I started to get sales calls from debt settlement companies trying to sell me their services and telling me that I qualified for "debt arbitration"...??? Lucky for me I know the business and I started questioning some of the representatives at these companies that are supposed to be helping the consumers. They are signing these people up for their service and telling them to stop paying their creditors and to pay them a monthly fee. The debt settlement money takes their fees first while the consumer's credit becomes delinquent and ruined and they tell the consumer not to talk to the creditors at all about the debt.

Leading Edge    March 1, 2007  Hi Bud! I have been telling everyone I know about your wonderful Web site. I emailed you about problems I had with Leading Edge back in January. I filed a complaint against them with the Illinois Attorney General's Office. The AG's office sent me a letter back with a letter attached from Leading Edge wherein they deny any wrongdoing in the way they treated me, and also included many gross misrepresentations about my dealings with them! I did send a rebuttal back to the AG's Office, there in Illinois. Since reading your Web site, I have become more empowered in dealing with these kinds of issues. As for Leading Edge, watch out for these sleaze bags, folks.

Alliance Collection Services    Date: February 28, 2007 Don't know if these clowns are solely based here or if they are part of a larger national company. They threatened my grandmother with jail over a $32 bounced check. My grandma in 70 years has never been in trouble with the law or bounced a check or anything, but whether due to age or stress or whatever failed to note a check to a clothing store in her register and ended up with it bouncing. She did not know about this until the letter came from Alliance threatening to have her arrested. Really if somebody had even called here or just sent a collection letter she would have taken care of it immediately. Is it really necessary for these clowns all over the country to be threatening little old ladies with jail? She was scared the sheriff was coming to take her away and she'd be humiliated in front of the neighbors. Needless to say she remitted the money and hopefully this ends the situation but I think this crap is totally unnecessary. Please add them to your list, Bud. Maybe it'll save another granny from undue stress.

Debt Recovery Solutions    Date: February 28, 2007 In January, I received a letter from these bottom feeders stating I had an outstanding debt for $174 from "Sprint". Yes, I had Sprint for a carrier in 1999 in Virginia but I got laid off. I never heard anything until now. I send the CA a validation letter and they sent back a copy of a bill for December 2001. Um, I think SOL is way past here. Four years in Ga. I'll send this to Jim Feagle (member of NACA). Any one advise ??

Zakheim and Associates, PA     February 28, 2007  those sleaze bags work for Wolpoff and Abramson!!! I have sent numerous letters requesting debt validatation I supposedly owe to colonial credit corporation (w & a), and instead of getting a response, I get a computer generated call from their office on Sunday nights asking me to call their office during the week. there has been different attorneys (if that's what they really are) handling the lawsuit for colonial credit corporation: Richard battaglino (scumbag lawyer) and sasha haro (probably hired as a telemarketer, posing as a lawyer), law firm is headed by Scott zakheim (head scumbag lawyer). they practice out of ft Lauderdale fl. their mailing address is: 1045 s university drive, plantation fl 33324. feel free to send them hate mail, if you have been victimized and bullied by them. I am fighting this lawsuit tooth and nail. my advice: don't throw in the towel. I will keep requesting validation of debt from colonial credit corp. every 30 days, until I get a response. eventually, my persistence will pay off!!!

Sunrise Credit Service  February 26, 2007  Just started receiving multiple calls from Sunrise Credit Service. The collector was reluctant to provide the name of their agency, repeatedly referring to the original creditor (Wells Fargo). They also threatened litigation, stating that 'Wells Fargo always sues'. I am not sure if they purchased the debt from Wells Fargo outright, or if Wells Fargo still has any visibility into this. Furthermore, I have spoken with more than one collector, and none of them have said the 'this is an attempt to collect a debt, and any information obtained will be used for that purpose'. One of the collectors even told me that in Illinois the statute of limitations was 10 years for negative information to remain in one's credit report,. which I know is untrue. What's the story with this agency / law office? I have been able to dig up only limited info online:   Sunrise Credit Service Inc.

Private Company, Headquarters Location  260 Airport Plz. Blvd., Farmingdale NY 11735, United States
(631)501-8500, (631)842-8081 fax, http://www.sunrisecreditservices.com

Attorneys:  Carroccio, Benjamin   Litigation Percentage: 100% of Practice Devoted to Litigation

Bar Admissions: Connecticut, 1993  New York, 1992

West Practice Categories:
Estate Planning, Family Law, Litigation & Appeals, Real Estate Law, Business & Commercial Law, Alimony & Spousal Support, Divorce, Prenuptial Agreements

Bonded Collection   Altoona     February 26, 2007  I have been receiving phone calls now for about a month or so from Bonded Collection. I always get some stupid recording whenever I answer the phone and get tired of waiting for someone to pick up so I hang up. Honestly sometimes, I don't even answer the phone, my husband will sometimes answer and give them a hard time. Today, the went over the line. The first call came at 3:45pm, the lady was quite rude to my husband so he hung up, she called back and was ruder than before so he told her if she can't pronounce my name correctly than she doesn't need to call back and hung up on her, this went on for forty five minutes. She called eleven times!!!!! When I told her she was violating the Fair Debt Collection Practices Act, she laughed and said prove it. I told her my caller id shows the time from her first call to her last and that she made contact with a person each time she called. I told her that this was harassment and to add me to her no contact list and that I would not speak to anyone from her company. If the original company that I did business with (which I still don't even know what debt it's for) should contact me directly and I would work them and only them. She laughed again and told me that I better pay the f**king bill or she'd have my ass thrown in jail. What can I do about this?!

Alliance Management, Inc. Toronto, Canada    February 20, 2007  You will find the same people at:  David J McDonald  President "WeFind Everyone Inc."   President "Tabula Rasa International L.T.D   6000 N.Bailey Ave Suite 2C Amherst N.Y. 14226   888-882-9846 ext 105  Labor's cheaper 'cross the border.  But they're not fooling anyone.

Hoffman Weinberg & Associates, Buffalo      Date: February 16, 2007

HOFFMAN WEINBERG AND ASSOCIATES. THEY ARE A VERY SMALL FLY BY NIGHT COMPANY BEING RAN BY A COUPLE OF UNEDUCATED MORE-ON'S. CHECKED IT OUT FOR MYSELF! THERE IS NO SWIPE CARD TO ENTER, THE SMALL OFFICE WITH 5 OR 6 COLLECTORS AND A COUPLE OF OWNER FOOLS THAT PASS THEMSELVES OFF AS ATTNYS. JUST WATCH OUT FOR THEM, TRUST ME, THEY ARE NOT LIDGET!

THAMMAG   Macon     February 15, 2007  Firstly, I would like to show my appreciation for this website...

I received a call from my brother in law last night...These guys left a message on his voicemail in reference to a warrant that been placed on my husband. They left a phone number and "case number".

My husband calls back. The supposed attorney's name is Joseph Stauss. Oh, he talked a good talk. Told my husband he needed to read him his Miranda Rights. He began to reference a debt my husband had going back to the early 1990's when he was in the Marine Corp.

It became obvious as the conversation went on (I was listening on speaker phone) that these guys are crooks. They may talk the talk but let them. I would suggest tape recording the conversation if you have the capability. They may sound professional and use legal jargon that you are unfamiliar with but don't let them have the upper hand.

What troubles me the most is they had our credit report in their hands. How did they get such information? I am notifying the FTC today.

Consumer First Consultants    February 15, 2007  Wondering who these people are. I had an old debt with Capital One, which I believe is beyond the statutes of limitations for suit against me. I am actively working to clean up my credit reports and notice agencies and collectors now coming out of the wood work. So I receive a letter from this company claiming a lawsuit has been filed by Capital One on 01/26 with a Case No. listed, but I've yet to see any summons (yes attorneys can sit on these awhile). My last payment to Capital One was in 2002, beyond the 4 yr statute. So now I have to schlep to the court house to verify if anything has been filed. These folks are claiming they can help me settle with my creditors. Don't know if I'm being scammed or not, as an attorney I spoke to today looked online for a case number with the court house and found nothing.

First Financial Asset Management     February 15, 2007

An update on my dealings with them. After consulting with a fair credit attorney, this is what I was told. If they were a collection agency, I would have a legal dispute. However, they are a subrogation/tort disute agency hired by State farm to arbitrate the case. As such, they do not fall under fair debt collection laws. So, I either pay up on a debt that there is no legal proof I owe the full amount, or continue forever without a license, because there is no statute of limitations as to how long they can keep it revoked. So today, I broke down and set up payment arrangements for $913 in 2 payments of 456.50 after I was told that if I don't, he will wait till I pay 1/3 of the full balance before releasing my license. Justice? None. Sorry, but anyone dealing with this company should know this. they are not a collection agency, and therefor do not fall under fair debt collection laws.

Phoenix Accounts Receivable, III, LLC and IV, LLC      Date: February 14, 2007

Here's the info on Phoenix Accounts Receivable III, LLC    GEORGIA SECRETARY OF STATE
Company Name: PHOENIX ACCOUNTS RECEIVABLE III, LLC
Mailing Address: 229 PEACHTREE ST. STE 700 INTL    ATLANTA, GEORGIA 30303
Type: LIMITED LIABILITY COMPANY  Status: ACTIVE/NONCOMPLIANCE
Filing Date: 2/27/2004   State or Country of Incorporation: GA
Registered Agent: W. CHRISTOPHER BRACKEN, IV
Registered Office:
229 PEACHTREE ST. STE 700 INTL   ATLANTA, GA 30303    County: FULTON
Filing Number: 0411036   Incorporators, Applicants:   WILLIAM T. WATTS, JR.
2700 INTERNATIONAL TOWER   229 PEACHTREE ST., NE   ATLANTA, GA 30303

Here's info on a related company, as well...

Company Name: PHOENIX ACCOUNTS RECEIVABLE IV, LLC

2727 PACES FERRY ROAD 14TH FLR  ATLANTA, GEORGIA 30339
Status: ACTIVE/OWES CURRENT YEAR  Filing Date: 1/7/2005
State or Country of Incorporation: GA
Registered Agent: W. CHRISTOPHER BRACKEN, IV
Registered Office:
2727 PACES FERRY ROAD 14TH FLR    ATLANTA, GA 30339  County: Fulton
Filing Number: 0503632   Annual Report:   Date Due: 3/28/2005
Incorporators, Applicants:   MICHAEL HORTEN  3479 PACES FERRY CIRCLE   SMYRNA, GA 30080

Real-Time Resolutions   California    February 14, 2007  Let me just say first that this website has given me such empowerment! I feel like I know what I'm doing with these agencies for the first time ever!!

Anyway, my story begins in 1996 when I had my identity stolen. I'm still working on getting that cleaned up, and it's going well, but my gosh...give me a break! I am starting to get irritated with Equifax because please tell me just exactly what they do to "verify" and "validate" accounts when they investigate. Is there such a thing as an honest investigation????

Well, on to Real-Time Resolutions, who by the way showed up on my husbands credit as we were purchasing a house. $25,000 for a conventional real estate loan. They are a collection agency who purchased the loan, but the original loan should have aged off in December. The last payment was made in October of 1999. The house went into foreclosure, the original loan was satisfied, but the second (the 125%) wasn't paid in full. So, they are showing on Experian as being 120 days+ delinquent and they began reporting in October of 2006. Equifax verified the account. I asked for a reinvestigation from Experian; sent a cease & desist and a validation letter to Real-time certified, return receipt and am awaiting a response. This is KILLING my husband's credit because it is showing as a recent delinquency. Help!!!!   The Real-time "people" say that they can report as long as the amount is owed. I know this is incorrect. Has anyone else dealt w/ this company?

CBCS   Georgia     February 14, 2007  I was checking my credit report and seen CBCS listed for $360 for an old Bellsouth account. I called and tried to explain to the first lady that this was not my account and as a matter of fact, I was an underage minor living at home with parent at the time this supposed account was opened. She didn't care. As of matter of fact, her exact words were: "Your not going to get out of paying this ma'm. You're an adult now, so you have to pay it!" I asked for an address or # to dispute this and she never would give me one, so I just hung up. I called back again and tried someone else only to get the same results. She started asking me all kinds of stuff like "where you work at., etc... and I told her "i declined to answer". I said "look, the last lady wouldn't transfer me either and she said "I am just hold on" then she had the nerve to place me on hold for about 2 minutes and then just hung up on me. I called back one more time and this is the real kick: this lady asked me where I worked and I told her I was unemployed and she said " well how do you live, how do you pay your bills?" The conversation went on with me continuously asking for the dispute dept. She said I didn't have a valid dispute. I told her never mind her opinion, just give me the info and let someone else decide. She then said she was the only person that handled disputes!! I told her to give me the info because I knew by law that I had the right to dispute this and she told me that no I did not. She said I did not have the lawfully given right to dispute this. Needless to say I hung up again and just mailed my dispute to them to the only address I could find.

Paul Law Offices   Erie Pa      February 14, 2007  Paul Law Offices is the DBA for Arches Financial Llc at 2989 S 300 W., Salt Lake City UT With a contact name of Richard D. Paul. Collections is ran out of 230 W. 200 S. STE 3301 Salt Lake City UT 84110 and is ran by Tracy Paul Bar #07594. Phone # for both locations is (801) 466-2130 They are trying to collect on my Shell credit card that Shell has reported as being charged off. They have threatened to sue me for my parents property and when they were informed by me that I don't own the property they said well they will have to come to court to prove it is theirs and not yours. The only methods of payment they will accept is a post dated check (Illegal in PA) Western Union or Credit card. I called Shell and they have no record of Paul Law Offices. They also told me that they sold it to another collection agency who I contacted and was told they sold it to Paul Law Offices. I did pay a settlement to Shell but I made the mistake of not getting a settlement letter. That won't happen again.

Northwest Financial  Missouri    February 14, 2007 These people go after innocent people for medical bills and are employed by heartland regional medical center. They will add a collection to your report without sending you a bill or a letter that may give you a chance to dispute. They bank off of putting it on there and not taking it off till you pay. No matter what proof you have.  And that's why we have fine groups like www.myfaircredit.com  who specialize in the Fair Credit Reporting Act.

Omni Credit Services   Tampa   February 12, 2007  I am a collector for this company. and I can tell you that we break the law everyday. we will lie to you and tell you that we are going to sue you. go through your job to get the money. and in reality we will not. which is the case in most collection agencies. so what you need to tell them is to produce the information in writing. which of course we will not. debtors are not alone :: the collectors are harassed and pressured by management everyday to say what we need to say to get the bill collected ::just dont get caught or cause the company a law suit.

Jef Booth   February 12, 2007  this person called me twice and demanded money now or a law proceding would take place with an attorney so I told her I would talk to them tomorrow so the demanding person called me again and demanded that she get so kind of payment now or she would start the proceding against me and I told her that I had my identity stolen in 2000 and she sounded like she didn't buy it so she called me again and she caught me off guard and very much asleep after working all night. and so I gave into her demand and gave her my banking info but first thing tomorrow I going to change that so she has lost out all together thank you again for helping me in this matter and I will do the same at the other in this situation  Jef Booth and friends can be researched here:  http://www.budhibbs.com/giove

Phoenix Accounts Receivable III, LLC  Date: February 12, 2007  I need help finding these people?? They are trying to confirm an arbitration outside of SOL but I have NO contact information for them!!  Readers?  Ferris?  Anyone?

Leading Edge  Date: February 12, 2007  I researched a number on my Cell Phone which was 800-663-4707. After some reading, I found out it was Leading Edge Recovery. The name left on my VM was Mr. Fitzgerald and made it sound like a lawyers office by saying "Leeds Offices" or "Leads Offices" Said there was a pending case in my state and the person he was calling should call him immediately. He was not trying to contact me. But left a voice mail for someone else.

Financial Asset Management  Date: February 12, 2007 These people call about 15 times everyday. They leave short ugly messages. One this evening was more like a threat out of a Horror Movie. These guys are sick and perverted, they really should get a new act. The tactics used are old and boring, maybe a cleaning job at the zoo would better suit their intellect. Do Not give these people any of your information, and Do Not allow them to shock you!

Brumbaugh & Quandahl  Date: February 12, 2007  This law firm is trying to drag my 92 year old mother to court. I showed up for court this morning and was told that we could not move forward because I had not retained counsel.

The kicker is that we had a special payment arrangement with First National Bank of Omaha for a MC or Visa account. Something happened within the company and in July 2006 we started getting harassing calls. I would tell them that there was a payment arrangement, how much per month it was and when it was due. They kept saying they had no record it. Then in August a lady arrangement department called, took a phone payment and said everything was fine and not to worry, when I related the other calls. Then the incorrect statements began.

The next thing I knew we were getting letters from Brumbaugh & Quandahl. It is a PO Box. There are nothing but paralegals who hang up if you try to talk to them. I sent them at least 3 cease and desist letters. They did not.

Now they have dragged us to court! I want to enjoy however much time my mom may have left on this earth. With all this hideous distraction it is hard to enjoy her last years!

How all this happened was because of Congress's vote to allow credit card companies to double their minimum monthly payments by adding in the finance and interest charges. One wanted $1,700 after we thought we had just updated the account! When I took over my mom's finances I was appalled to learn how much she was paying these places per month. She was making the payments but was leaving very little to live on. (She unfortunately had faithfully paid the minimum balance for years, but continued to use the cards.) Then when these payments doubled, if we paid them the outrageous amounts for minimum monthly payments she would have had nothing left to live on.

This B&Q outfit does not listen to anything. They totally disregard that my mom is a Social Security recipient, which means it is illegal to go after her. They do not return phone calls and their receptionist doesn't seem to have a clue whom she is working for. She says, " I just do what I am told." CREEPY! They are relentless and they don't care about anything but dragging little old ladies through the courts. They even wanted her to pay their client FNBO's legal fees. I DON'T think so!

National Credit Acceptance  Date: February 7, 2007 I had a rep by the name of Darla Burgen contact me at work and said that she worked for National Credit Acceptance and that she wanted to settle my account. First of all I said what account and why are you calling me at work!!! She said it was from the Circuit city account and that her company had bought my account. She then continued to say she knew what my current position was and she gave me my fico score. I told her why did she have access to my personal information and she said it was part of the terms and conditions of the agreement I signed. I only owed circuit city 1700 (this account was opened in 11/2002 I believe) and they wanted to collect $ 5,455.97. I told her she was crazy and that I was not going to pay that amount. she said if I didn't I was going to be sued and that I would have to pay their attorneys fees and my employer would get served by a marshal to have my salary garnished!!!  can they really do this... have access to all my personal info and threaten to sue me

Titan Management Services   Date: February 7, 2007  Titan keep calling me. Even after I have sent a cease comm. letter to them by registered mail. The new thing is now they are calling me from a new number 513-754-9600. After searching around, I find that First Financial Asset Management is supposed to have that number. Any ideas. BTW I have filed 4 complaints against these thugs with the FTC and the GA.

Kross Lieberman and Stone   Date: February 7, 2007  Kross, Lieberman and Stone   1110 Navaho Drive Suite 501   Raleigh, NC 27609   Phone: (919) 861-2400 Toll Free: (800) 326-3734   Fax: (919) 861-0840  Also, this additional address  PO Box 17449  Raleigh, NC 27712

First Financial Management Date: February 7, 2007  Agency suspended my license for an accident I was not insured in. I was not aware I wasn't insured. The damage was a small dent (about 2 1/2" radius) on a bumper with prior damage. State Farm replaced the bumper for $1800. My body shop estimates and photos put the damage at $450, as it was easily fixed without replacement. I then received a letter from FFAM asking for 1800. Referring to them as a collection agency to State farm or them gets a terse "we/they are not a collection agency". The letter stated that its an attempt to collect a debt (funny?). I then attempted to come to an agreement. Ut oh, they will suspend my license. What?!? To fight it will cost 1.5 times the amount to just get the state to hear the case. not to mention lawyer fees. They suggested I pay instead to save myself money. They laughed, called me stupid,  hung up on me. This became a regular dance. Finally in December, I said I would pay $800 in 8 payments of $100. I was told fine, and the payments would be $103 after interest. So I called back with CC#, and made a payment. They would put me on the pay plan and mail out a letter I would need to get notarized and send to the state to get my license back. 2 weeks later, no letter. I called today, and they denied the $800 deal, saying it was a lump sum deal, and that I would now have to pay the full $1800. And the letter? they weren't sure it went out. Now I will have to agree to pay the $1800, or not get my license back. But they will send the letter out today. Sorry about the language, but WTF?!

American Acceptance  Date: February 7, 2007  I got a phone call today saying that American Acceptance was calling to verify my husbands employment because an attorney in Des Moines was doing some work for him being sued in Minnesota by Norwest Wells Fargo Bank for a total of $2462.82 They told me that if we could pay $500 today they would wait 10 days to hold the rest from coming out, so now they have my bank card number and $500 being held and said they would be sending me a receipt in the mail, I typed their name in and saw this sight and called my bank right away and now we are trying to get it stopped and canceling out account numbers. DON'T TRUST THEM, they have been sending us notices for years and I haven't responded to them and now I know why!

Broad Street Financial Services, Ohio  Date: February 7, 2007  Jeff Babbert the agency manager threatens to garnish wages before suit is even filed. THIS MUST STOP...

Babovich, Spedale & Chauvin, PLC   Date: February 4, 2007 In October I was served with a lawsuit on a Bank of America acct I know nothing about. I called an attorney who told me to deny the request for answer page that accompanied the suit. After 2 weeks of no response from the "office" I called the "paralegal" to request copies of all information pertaining to the suit because I had no prior knowledge of a letter from them allowing me my 30 day right to dispute and I was told in no uncertain terms, THEY DO NOT HAVE TO PROVIDE ANY DOCUMENTATION TO ME!!! Great, It is now January and I was almost tempted to send a settlement amount just so I don't have to go to court. But then they tell me I have to write the check to them not the original creditor. Of course I have come to my senses and have now demanded all copies of papers proving I owe this so called debt. I received a letter the other day.....It had who the original creditor was and also an account number. So I called Bank of America, guess what, THAT IS NOT EVEN MY DEBT!!! Looks like I'll probably be going to court. I am forwarding a certified letter to them tomorrow saying basically, sorry but prove it or I'll see you in court, but not as the debtor but as the "Prosecutor".....Wish me luck

Kross Lieberman and Stone   Date: February 2, 2007 Do you know anything about Kross Lieberman and Stone collection agency in Raleigh NC? Have you heard of any complaints filed against this collection agency? Thanks.  This is the first time they show up on our radar..

General Slimebags?   Date: February 2, 2007 Thanks so much for the advise on these SLIME BAGS you are right! Take notes of calls these people are very scary !! When I wrote back to them asking for dates of last activity and a hard copy of the actual disputed bill then said I had filed bankruptcy during the period disputed ....I never heard from them again ...Oh I also told them in writing to stop all collection actions until I received said papers !! Its been 3 months and haven't heard from them YET

CBCS   Date: February 2, 2007 I got a letter from, "CBCS P.O. Box 69 Columbus OH 43216" demanding that I pay almost 300.00 on an old account. The strange thing is when you request information on the phone requesting their address, all you get in return is rude comments and they finally hang up on you. When I went to their website, there is a "contact us" section but you have to give ALL of your personal information before they will give you information. CBCS should be listed on the "Agencies to Avoid" section.

MARS, Inc.   Date: February 2, 2007  This agency runs some kind of automatic dialer that calls my home almost everyday. I have also received threatening calls from a miss Lockhart, and the worst one was a miss Wilkerson telling me she was going to have the police come by my home also she tells me this is her legal department and if I want to get out of it I need to pay the bill now and she could stop all of that. she is very threatening. There have been some collectors that call from the same company that are very nice and willing to help but they must have a lot of different departments because every time they call someone from another department is calling with a last resort. That miss Lockhart has left messages on the answering machine that are just downright breaking the laws of the FDCPA along with miss Wilkerson they also had a man call one time screaming at me it was transferred from miss Lockhart to him and the bashing started. If you say something they don't want to hear you get hung up on. This company needs to be looked into and it's actions my husband and I have filed complaints with the attorney general and the federal trade commission. If anyone else has had calls from this agency. File complaints its your right.

Zakheim & Associates   Date:  January 31, 2007  Zakheim & Associates call me every day saying that this is a courtesy phone call giving me the opportunity to resolve some debt from BOA before they file a law suit. I keep telling them that they should go ahead and file suit and to make sure that they have detailed verification as I have no knowledge of the debt and that I will ask the court to demand it. But.... Every day they keep calling me. I'm going to send a cease comm. letter to them.

CBCS     January 31, 2007

I keep getting calls from "Steve" who is calling from CBCS. When I call they will not give me any info, rather they demand my SS#! When I kindly ask what the call is in reference to they hang up on me. It takes me about 4-5 calls to get someone who won't flip out and hang up, but they refuse to give me any info. After doing some research (google search) on CBCS I've found that everyone else gets a message to call back "Steve". They, too, cannot get any info. I don't know what is going on. I have no debt that I know of and my credit report is clean. I've heard that they will put a mark on your credit report if you don't pay them? Why should I pay for something that's not mine?

All Agencies, Nevada     January 29, 2007 Just an update to let you know that your web site has pulled my financial life above ground and not to let law breakers take advantage of the life events which affect anyone who might read this. Please let your readers scroll down to the letter entitled, 'All Agencies Nevada', to learn how a humble but fierce consumer fought back.   Scroll On.

Check and Merchant Services     January 29, 2007 I received a letter from the "Fraud Division" of Check and Merchant Services stating, "Criminal check fraud charges are being formally recommended as a result of your issuance of fraudulent check(s). A copy of this notice may be forwarded to your local prosecutor/district attorney and become part of your permanent record". It went on to state, "Check fraud is a felony in your state." It is my understanding that the statute of limitations on fraud in the state of Alabama is 2 years. It is also my understanding that it is illegal for a debt collector to imply that failure to pay can result in arrest. It appears these bottom feeders are attempting to intimidate people into sending them money by the wording of their letters. I would advise anyone who receives a letter threatening criminal prosecution from Check and Merchant Services not to send them one cent and contact an attorney.

Joel Cardis, LLC  Florida     January 27, 2007  got a phone call from this young women at 9:56am on my cell phone (private) at work stating that she is representing a law firm and that I owe for global vacation networks. I started to tell her that my wife and I attended this vacation 90 minute presentation and signed up. We were never presented with the "free gifts" and after making 3 payments stopped, as we had felt that they were deceptive and misleading, and especially after we sent by fedx the paperwork directly to receive the vacation vouchers, and the fedx package was refused. She didn't care to listen she didn't let me finish she was rude, ill mannered, and got me quite upset. Then she proceeded to tell me that I was going to be sued and I would be receiving a letter in the mail. No lawyers office would have a women like that represent them. I found that when I called the phone number back I got a voice recording saying this is the law office of Joel Cardis llc, no live person, and when I tried to put the phone number on the web, or reverse look up it does not exist 610-382-5116.

Cardholder Services - Collection Division of Network Telephone     January 26, 2007

 I recently received a "dunning" notice from this company. On the outside of the envelope was a statement in bright red, bold type. This statement reads: "*THIS LETTER CONTAINS IMPORTANT INFORMATION ABOUT YOUR CREDIT CARD. *THIS IS NOT AN ADVERTISEMENT. OPEN IMMEDIATELY." This is a blatant violation of the FDCPA.
15 USC 1692f(8) - Using any language or symbol, other than the debt collector's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.  If you have received a notice from this company, please contact me at jameswiedenbeck@aol.com  I am filing suit and may be interested in turning it into a class action matter...

CBV Collection Services Limited     January 26, 2007 They buy "zombie" debt from Canadian Bonded Credits which is a Division of Intellirisk Management Corp (USA) CBV has been successfully sued in Canada for illegal practices in dealing with their attempts to collect debts that are very old and they were convicted of contravention of the Privacy Act by faxing info to a place of employment to a machine that was not private and without a proper cover sheet to forewarn.  They harass and threaten people and there is lots of info on various websites about their tactics. Believe it or not, in a former life this company was a Credit Bureau before it became a Collector and was bought out by CBV. The initials stand for Credit Bureau of Vancouver I believe.  Incredible!

Leading Edge   Maryland I had some credit cards & was paying on time until 01, when I lost my job. It soon became impossible. In Nov. of 2001, I found a 6 month contract position through a temp agency. Then I sought help through a Debt counseling firm. I sent $200.00 per month to Debt Works (part of Ameridebt which has a class action lawsuit against them) One of my credit cards  was a Cross Country Bank Visa. It charged off in 2002.  I worked at temp jobs until I finally gained permanent employment in 2004. Last Fall we started receiving these anonymous calls on our answering machine. There was one every day from "Jack Marshall". I called & found out it was Leading Edge & this "Jack Marshall" was a VP of their firm & I was told that "I could not talk to him". I spoke to a Ms. Tia (Tina?) Williams & she said they were collecting on this Cross Country Debt. First she told me it was a Capital One card, I finally got it straight that it was really about the Cross Country Card. She told me that "Cross Country and Capital One are sister companies". I told her that the account had been charged off in 2002 & she told me that Capital One now owned it & they would take me to court, so I told her well, they can but I don't have anything. They never sent me a 30 day letter, which they made an excuse about, and a lot of other misrepresentations of the truth. I ignored them until last week. My husband called me at work all upset because a "Mr. Jones" of their company called & said they would sue me if they didn't hear from me by 3:00 PM (Jan 17, 2007). "Mr. Jones" tried to get money out of my husband, which was illegal, since only my name was on the card. I did call "Mr. Jones" to try to work out a repayment plan. He told me the original debt was $1,604.10, but fees brought it up

VeriCorp   Las Vegas, NV A guy identifying himself as Rich Dawson, VeriCorp called. He originally stated he was an FBI investigator and that a lawsuit was going to be filed with my State for check fraud. Once I heard "FBI" I knew something was wrong with the picture. Since the local Dir. of the FBI in my state HAPPENS to be in my bible study group, I called him and told him what happened. He called the guy back and told him it was a federal violation to impersonate a Federal Agent. So, this Rich Dawson of VeriCorp calls back today and I tell him I would like additional information about this issue. He would not give me any additional information. I recorded the conversation since it is legal for me to record him in our state. He said he did not like my attitude and said if I wanted to play hardball then he would sue me and put my name in a national check offender database. I told him he had a statute issue due to why he was calling about was 15 years old. Now, my husband is a former prosecutor in the DA's office and now he is a private practice litigator. I know what my rights are and this guy is stomping all over them. So, I told him to file the lawsuit and let's get on with it. He hung up on me. I called the State A.G. of Nevada and found out they are investigating this company for unlicensed activities in the State of Nevada. In addition, I called the ACTUAL VeriCorp based in Louisville, Kentucky and told them this guy is using their name to try and intimidate people. SO...IGNORE any call from these people. They are criminals and operating a racket to try and steal money from you. Thanks!

RAB, Inc.  This morning I received a call from my mother, who said she was called by a Lucy Jones from some masonry company  looking for me (using my maiden name, I've been married for 17 years). My mom wouldn't give her any information knowing that this couldn't be legit. So this lady  gives her a number to have me call (800 829 7750) I did a search using www.whocalled.us  and found RAB, Inc. I also checked my caller id and found out that this number is on it 4 times in the past day. When will these people stop harassing peoples mothers?

Financial Asset Management Services   Have been receiving up to 5 caller ID "unknown" calls from a number I found to originate in Georgia for the past 10 days. I'm in the telecommunications industry and work with law enforcement so it didn't take long for me to find out who "Financial Asset Management Services" were. Today I received a letter advising me that they are collecting on a past due bill stating that I have 30 days to respond to the validity, but, nothing about my rights under the FDCPA.

They also stated in the letter, strongly, that all payments on the bill must be directed to them. This comes close to being a felonious act in Oklahoma. But, they didn't cross that line. I'll do my paying to the people I owe the bill to.

I question the legality under FDCPA to calling 10 days before I received the letter?

Bureau of Collection Recovery, Inc.  

George Gustafson     Bureau of Collection Recovery, Inc.
7575 Corporate Way     Eden Prairie, MN 55344
1-888-276-8209   1-888-714-2338

I wouldn't mind talking with them if they hired someone that spoke plain English. I have sent several letters registered to them and they have been refused. When I told them that the letters contained the payment they said they only accept payment by Western Union or credit card.

Financial Asset Management Services    Have been receiving up to 5 caller ID "unknown" calls from a number I found to originate in Georgia for the past 10 days. I'm in the telecommunications industry and work with law enforcement so it didn't take long for me to find out who "Financial Asset Management Services" were. Today I received a letter advising me that they are collecting on a past due bill stating that I have 30 days to respond to the validity, but, nothing about my rights under the FDCPA.

They also stated in the letter, strongly, that all payments on the bill must be directed to them. This comes close to being a felonious act in Oklahoma. But, they didn't cross that line. I'll do my paying to the people I owe the bill to.

I question the legality under FDCPA to calling 10 days before I received the letter?

Dominion Law Associates     They are hooked up with Arrow Financial Services, Letter says Arrow is their client. Letter ask you to beg friends and family to pay debt.

Oxford Management Services  Watch out for these guys. Requested a validation of debt and they tried to pass off a verification of debt as validation. Never contacted me in writing, despite calling me for months. Only after BBB and AG got involved did they even produce the verification.

Receivables Performance Management   Every time I tried to fulfill my sprint cell phone contract, sprint would extend it by 2 years. finally I got frustrated and just quit. Well they added several charges included a $180 early termination fee. I received several calls from "RPM" collections including at work, cell phone and at home. They all seem to anything in an attempt to get me to pay some money. some said they would discount my bill by 30%, others said If I paid it off it wouldn't go on my credit (so I agreed to pay and they said it would go on my credit report anyways.) I asked RPM how to dispute my bill and they claimed to have sent me a letter which I never saw and would not give me any information except for a po box. Please keep an eye on this agency, the last time I spoke with them (tina), they hung up on me.

Busch Professional Corp  (Colorado)   These guys will try to serve papers at addresses that you do not live at or no longer live at. they will not send any documentation regarding said debts or even give you the chance to have it validated. If it wasn't for the fact that my friend lived at the address where they were trying to serve the papers, who knows what would have happened? So watch out.

Law Offices of Laurence Heckler  (Illinois)    I had a payday loan that I got behind on the payments. I tried to make arrangements on paying it back and the company wanted the balance or nothing. they turned the account over to the law offices of Laurence a. Heckler. a associate of mr. Heckler called me a left on the answering machine that they had the account now and if I did not make arrangements immediately they were going to expedite in my county on 01-03-07. I called to make payment arrangements, and talked to a nice man (mr. o'neal) but he said he would have to transfer me to mr. vence who talked to me for about 10 seconds and then called me a liar and said I have no integrity, again he called me a liar and said there is going to be a sheriff at my door on the fifteen so I better call a friend and get bail money ready.

Financial Asset Management Services   This collection agency does not follow the FDCPA and they don't care about giving out your info. They collect on students loans in the United State and have violated several laws against customers. They have a manager named Erica King who does not have people skills and is very rude. At this agency they train employees to question everyone at the home address and try to get a payment from anyone willing to give one. I'm starting to think a good collector is someone who breaks the law. if you have a chance to follow up on this agency you will put in 1st. place without a second blink.

First National Collection Bureau    January 12, 2007

I have been receiving daily voice mail from this outfit wanting me to call them back. Their phone number that was left today was 775-322-0444. Today I received a message from a "Dave". These calls sound like they are coming from India. Sometimes its bad English spoken and very britty Indian English. "Dave" informed me today that they were sick and tired of talking to my machine and to call them. They are open from 8AM to 1AM. Now collection agencies are using help not in this country to harass people by phone.

Gurstel Stalock & Chargo  Minnesota   A few years ago we had some real financial problems because of a business we had that went under. We ended up taking out home equity loan for the largest part of our debt instead of Bankruptcy (looking back I made a mistake there). I had a small amount due (less than $1500) on a Discover Card that I just continued paying my $30 a month on. One day Discover decided it wasn't enough. I explained my predicament and thought it was solved for the moment.

The next thing I knew I received a letter from a collection attorney's office, Baloegh, Becker, in Minneapolis saying I never responded to their request for payment on the account. I wrote them a letter and sent it certified, asking for proof and refusing to acknowledge the amount in question. I never got the proof, but I got a piece of paper, delivered by a sheriff, that said I then had 20 days to refute the claim to the collection attorney.

I heard nothing more until I received a letter from GURSTEL and company that they had taken over collections on that account and I needed to refute it in 30 days. Then I received the phone call!! "Albert" told me, among other things, that if I didn't pay voluntarily..."there are involuntary ways" to get the money.

I asked him to please explain what he meant by that and he told me to contact an attorney to explain it.

On January 3, 2007 I logged into my bank to do my weekly check register and ALL OF OUR MONEY WAS GONE!!!!!!

After several calls to my bank and other areas of the bank I learned that GURSTEL et al had sent a letter to garnish all of the money owed, plus 10% and hold it.

My husband spoke to "Albert" (you can't reach the attorney...just the collector) - the attorney of record must make himself available -- and "Albert said that he didn't wait the 20 days because I wasn't nice to him and got him mad...so they went after my bank accounts.

An attorney friend called and found that the judgment against me  was gotten 7 days after the letter from the first collection attorney. I didn't even get my 20 days!! Also, dumb as it seems I have been...I thought I got my day in court?! Wrong. Doesn't seem "debtors" have any more rights in this country than they had in England with the debtors' prison system.

My attorney friend advised that going to court to fight will cost me a lot of money and end up with my owing the debt anyway. Okay. However, something is wrong with this whole thing. Sounds like you need to tell your story to an attorney who specializes in Consumer Law. 

Southern Capital Corporation   Buffalo   This "collection agency" operates out of a decrepit mall location. They are run by some guy named David Dwyer and Some other guy Brian Peunick. They are bottom feeders who break every law and laugh as they "get rich" hustling senior citizens like me out of their ssi checks, they have threatened legal action saying they are from the sheriffs office I used to be employed by them and then I came to my senses.....why would I break the law to make this guy rich while this guy drives a 2006 lexus sc430. I am wise to there tactics now....stay away!! 

Financial Assets Management     This agency is has broken the FDCPA in so many way . They are trying to collect a bill that has been pd prior to listing with their co.. But the collector can only yell and cuss at me and tell me she is faxing over garnishment papers immediately.. never offered to hear what I had to say.. She has repeatedly called my cell phone after telling her no more calls and has my poe number and called me three time this morning 8:59am 9:03 am and 9:06 am My supervisor finally had to call the co and tell them no more calls.. I have contacted an attorney over this and he has given up. There are just to may twists and turns.. By the way this is all over student loans that have been pd off several times. I even have a paper from the student loan co dated saying loans pd off in 2000 but they keep coming after me. Finally contacted my congressman and he just suggested I pay the 403.29 to them to get this to go away but now they have cashed that ck in Dec and this is Jan and they are after me again.. and I have been dealing with several other collection co over the years about this and this one is by far the worst offender I have come across.. I have gotten the Cease Communication letter ready to go.. But due to the abuse from this co I am cking into pressing charges..

Check and Merchant Services   Tulsa, OK   http://nationalcheckcontrol.blogspot.com/  I too have received my second letter from CMS. It states:

YOU ARE HEREBY ADVISED that your criminal check fraud case has been transferred to this division for final action. You were previously advised of a recommendation for criminal proceedings against you. This recommendation could result in a warrant being issued for your arrest. This notice, when received via certified mail, shall be construed as proper service of such notice in subsequent legal proceedings as required by law. "Sincerely", Check Fraud Division.

Their letter is apparently regarding some business called Neely Enterprises, whom I have never heard of. I have been in good standing with my bank for years now, and have absolutely no clue what this is about. However, I have not called them, nor am I going to. I have seen enough thus far from other submissions here and elsewhere to conclude that would be a waste of time.

If I'm not mistaken, a letter was written to these folks by the state of Maryland (it is possible I do not have the state right; I am going by memory on this), demanding that they cease and dissist collections from people because they were doing so illegally. I do hope anyone that has had similar dealings with these folks will continue to post updates.

Being that these letters came with no legitimate information regarding the supposed debt that I owe, and no opportunity whatever on their back or on a separate page to dispute the bill or obtain a copy of the original complaint, I regarded it as a likely scam immediately and started searching the internet for more complaints or information.

But the longer this goes on, the more irate I become: Not so much because someone attempted to scam me, but irate on behalf of those who would see such a letter come in their mail box, and send the money they are claimed to owe, out of fear.

Budd surely there must be a way to go beyond calling some of these folks bottom-feeding, drug using scum-bags? Again on behalf of those who would not recognize this and some others I've seen on your site here as possible scams, name calling just doesn't seem at "all" due justice... ? We tried sugar and honey, but they don't seem to respond as well.  It is nice of you, though, to consider our choice of terms "harsh" while you recite their bogus and illegal documents, which threaten you with blackmail and legal actions they cannot take, and changing the legal system at their whim.  We label these folks by their actions and it eventually stirs them to follow the law, or generates sufficient ire from other consumers to stand up to them.

Is there anyone that we, or I, can contact regarding Check and Merchant Services? Anyone to write regarding the behavior of some of these collection agencies in general? Is there no regulation in place at all over the activities of these folks? And as far as law suits are concerned in seeking any justice, are they out of the realm of class action suits?  Thanks in advance for any response.  Twenty two years of holding them up to the light and not yet has a single agency seem fit to staff a politeness coach. Pardon our tone, but you sound like you are brand new to this arena.  There are laws.  We're here to remind them of that fact.

Equitable Recovery Solutions, Inc.   PO Box 559   Sycamore, Il 60178 This company contacted  my mother claiming that He was an "old Friend of mine". Then some how found my number. "ALEX LOPEZ" said he was collecting on a debt for Discovery card for $4920.33. for a supposed credit card debt from 1993! The funny thing is that I have the current account open, have a zero balance on it and a have a perfect credit score. When I informed "ALEX LOPEZ" of this, he became rather testy and insisted that I still owed the debt!
I just laughed informed him to never call this number again. If I must, I will follow up with a cease and desist letter and a call from MY ATTORNEY. (From which I had to do in the past with The same company 5 years ago) it was only after I had contacted Discovery and a Lawyer that the harassment stopped.

People should realize that ONLY the ORIGINAL CREDITOR CAN REPORT The Debt to credit agencies (Even if I had owed the debt (which I don't) That by law The ONLY THE ORIGINAL Agency can report the debt for 7 years.

ERSI's website is just as shady as this company. Nothing on there but a description of what they do and a link to pay them money. www.ersionline.com

Como Law Firm, St. Paul, Minnesota   I had a very unsettling call this morning. A check to a gas station we have used for years called to say the check we used the day before was declined. She didn't run it yesterday because she knows us and has never had a bad check from us. So I called the number she gave me for a place called Next Check. They in turn gave me the number to a collection agency, who in turn gave me the number for Como Law Firm. Right off the bat the lady, Toni, was snobby and rude. She would only tell me that in Dec of 2002 I had a bad check for Amaco in the amount of $70.00. She would not give me the name of the town or nothing, so I asked to speak to her manager, she said that was a waste of his time and kept saying she was going to hang up on me. I asked her why I have never gotten a letter from them and she got snippy and said "You have NEVER gotten a letter from us in 5 years?" I said no and she repeated herself, I again said no, she then said "Ok I am gonna hang up on you now" she said that about 25 time, "I'm gonna hang up on you now" GRRR Frustrating! I remember having ONE check bounce and I went to the collection agency in that town and took care of it right away. Is it possible that the collection agency I took care of it at did not report it as taken care of? I am so confused and angry I don't know who to turn to for answers. Can they not give me information about this? Can they try to take money this long after? I am certain this is the same check as I didn't have any other bad checks. I don't keep things for almost 5 years, I guess I will now, but how can I prove this was paid in April of 2003? I have called my bank but they have not called back yet. How can this company out of the blue make it so my checks are not accepted when I have never gotten any form of communication from them?

National Credit Systems  NCS   Atlanta?   Hi Bud - here's one that may or may not be already in the system. I did a search but couldn't find it. Starting day after New Year's my father's home as well as my cell phone started getting calls from a "Ms. Hill" at National Credit Systems we believe from Atlanta Ga., because the caller ID showed a 404 area code. Called the number back and got the usual runaround with the woman not wanting to tell us what business was calling, etc. Have no idea what this woman wants unless she's one more of the drones trying to collect on a cell phone account that was never ours in the first place. Sounds like she's talking from one of those holding pen type offices with dozens of people yammering in the background. Haven't received anything in mail yet but I'm planning to send the cease comm letter if so. Did some research on Internet and they appear to be a CA that specializes in apartment delinquent accounts, medical and such. Just from initial contact it seems like the usual bottom-feeders. You might want to add them to the list. Happy New Year Bud and thanks!   You just added 'em...

Central Credit Services, Inc. New Orleans   A friend of mine called me at work with concern in her voice and said that her stepfather just called her. Her stepfather said that he had just received a phone call for her from a man who identified himself as Tony Hawk. Mr. Hawk asked for her by her maiden name and when her stepfather said she didn't live there Mr. Hawk proceeded to tell him he was lying and in his front yard to come talk to him there. My friends stepfather is in his mid 60's and besides the point she doesn't live there however she does receive some mail there every now and then. I have told her that her mother should return any mail for her return to sender. This call is in reference to a Bank of America credit card they're trying to collect on. I don't know what else to tell her can you help? Are they in FDCPA violation. I know they're using alias'.

Gurstel Stalock & Chargo  Minnesota This collection agency drained my bank account of $630. it doesn't sound like much, but when you dont have a job it is. Is there anything I can do about this.

Gurstel Law Firm, Minneapolis   Beware of this law firm! They tried to collect on a judgment for a client who was court ordered to vacate all of their illegally obtained default judgments (ours was one of them). Then, after they had the judgment vacated (after I called and demanded it be done), Todd Gurstel sent us a letter saying that he was going to garnish wages on a judgment that was vacated with prejudice at their request! Since I work in the legal field, I was not scared of this law firm and I sent them a letter demanding that they cease any further collections activities or else I would not only sue them for multiple violations of the FDCPA but also make a complaint with the MN Office of Lawyers Responsibility and attach the proof of their blatant violations of the FDCPA. They NEVER contacted us again!

However, this law firm loves to harass people with uneducated telemarketers. They use a calling machine which violates MN state law and leave threatening messages on machines. I have dealt with them personally and in helping my mom and friend deal with them. In each case, they were so obnoxious and threatening (they’re the big bad lawyers an all) that I ended up advising my mom and friend to contact an attorney and consider suing for multiple violations of the FDCPA. In both cases they filed complaints with the MN Attorney General’s office and also the MN Office of Lawyers Responsibility; both organizations have taken similar complaints in the past and why they haven’t done anything about it yet is mind-boggling! Todd Gurstel should be disbarred!

Leading Edge Recovery Solutions   Leading Edge Recovery Solutions of Chicago, Il, has been doing collection work for RESURGENT CAPITAL SERVICES. I have been receiving harassing phone calls from them for a week now, won't accept payments, threating legal action and calling relatives of mine.    Check this out:  http://www.illinoisattorneygeneral.gov/pressroom/2007_01/20070103.html

Vericorp   This clown called my brother tonight on what he alleges is a 13 year old bad check. Demanding my brother's state ID #, and Identifying himself as an "investigator". Told my brother he would "blacklist" him so he could never write another check, and also encouraged him to call the police to complain about this Shakedown, so he could tell them about his bad check.   Said his company is Vericorp out of Nevada, but was elusive and dodgy about details. Nevada Sec of State only shows 1 such corporation, and it is run out of an apartment in California, with a value of $100.  Bud, you won't believe what happens when you call this number. Call it. Please. Please. You will enjoy it.   866-587-8616  Reverses don't work. unbelievable. Do you know anything about these idiots?

Aargon Collection Agency   Since I was victimized, a multitude of times by another corrupt collection agency, when a buddy of mine spoke with me and told me about and showed me a letter from Aargon, I knew exactly what to tell my buddy to do. This happened a couple of months ago.

About 2 weeks ago, a local television news program did a segment about Aargon and how they violate the Fair Credit Reporting Act. Aargon was hired by University Medical Center of Southern Nevada (a county hospital), just like the corrupt collection agency (Allstate Financial Services dba Allstate Adjustment Bureau) that victimized me.

Are you sitting down? Any collection agency or any other company that is hired by the county and state in/of Nevada is protected from being criminally charged and/or prosecuted because of Nevada Revised Statute (NRS) 252.120. I was told this by the Clark County District Attorney's office. This means that corrupt companies can victimize and violate citizens'/residents' rights and get away with it.

False/fraudulent statements on one's credit report is not like neighborhood gossip. It is seen around the world. This statements can affect someone getting a credit card, mortgage, college loan, and even a job, since employers do check potential employee's credit reports.

Several times I have contacted Nevada State Senators and Assembly people, yet until it happens to them, they are just going to sit on their cabooses and do nothing.

That's interesting, but let's think this through - those type of laws are enacted to protect States and municipalities from frivolous lawsuits.  A lawsuit brought against a contract company would either have to go forward on its own merits or, if protected, be defended by the State or county.  Is that likely?  More importantly however, is this nugget:  The FCRA is a Federal law, which overrides other considerations.

Gregory Barro, Attorney   I've seen several complaints of Attorney Gregory Barro violating several statutes of the FDCPA and in different states. I believe this may be is the same Greg Barro that resides and practices in Shreveport, La. By these reports it appears that he has gone to the DARK side of petty collections. Or perhaps he is renting his License to some outlaw collection agency. I hope he isn't that desperate. Maybe he doesn't even know it. This is where he is located.

Barro, Gregory J. Attorney  400 Travis Street Suite 1006, Shreveport, LA 71101
phone: (318) 226-8511  fax: (318) 222-5493  email: gjbplc@aol.com

Nationwide Collections, Inc   These people are unbelievable. I received a letter from them today stating that they now own an outstanding debt of mine to Columbia House in the amount of $35.04 (haven't had a Columbia House account since 2000) and 'UNLESS WE RECEIVE PAYMENT, WE ARE READY TO CONSIDER THE ISSUE OF LEGAL PROCEEDINGS IN THE COUNTY COURT."...blah, blah, blah...and "In your own interest, make payment in good time." I faxed you the letter.. this one is so bad and so funny that I may sue THEM in my county Small Claims court. Of course, I can't find an agent for Process of Service as I can't find anything on these scum balls. If you have any information, it would be appreciated. I suppose it is mean to pick on the simple-minded, but a bottom feeder doesn't merit kindness.

National American Credit Corporation     I have been contacted by letter from National American Credit Corporation, One Allied Drive/ Trevose, PA 19053. In this letter they inform me that they have bought the account from HSBC and referred it to NCB Management Service, Incorporated, in which I received a letter in the mail from them on the same day too. When I went to look up these companies online, I found out that both companies share the same address, even though the documentation shows otherwise. Researching through the BBB, I found nothing for either company ever existing, but NCB has its own website and on the website they give their headquarters address, which is the same as "National American Credit Corporation." The BBB does list 3 other Collection agencies under the same address: 1. Allied Bond & Collection Agency, 2. OSI Collections, 3. Adidas Collections. All of these agencies are on the BBB's list at that one address. So if this company is legit, then why would it lie about their own address? Has anyone else had problems with them?

Andreu & Palma, LLP  Miami, FL   I am a debtor/creditor attorney who does as much creditor side litigation as I do debtor work. I was contacted by an airline pilot who took a 40% pay cut after 9/11 and fell behind in his obligations after spending three years with a "credit counseling" firm that failed to reduce his overall debt. His concern was that the debts had doubled and tripled since they were incurred in spite of the court approved credit counseling agency's efforts. He has recovered somewhat, and my instructions were to settle the debt for as close to the original amount as possible. One of the debts was to Providian on an open (credit card) account, and when I called Providian they informed me that the debt had been "written down." I informed them that I wanted to settle it anyway and get a debt satisfied determination on his credit record. A few days later my client started to receive aggressive telephone calls from Andreu & Palma, so I called that entity and was told that I could not speak with an attorney unless I faxed them a "Power of Attorney" even though I identified myself as the client's counsel. I provided the requested documentation with a cover letter to the effect that I was prepared to negotiate a fair settlement. Andreu & Palma's response was to file a small claims action in the name of "Financial Independence Services, Co.," a company with which they are in no way associated. Service was accompanied by a letter to the client offering to settle, and informing them that they could not settle while represented. The client's wife called Andreu & Palma, and was told that what the letter meant was that the matter could be settled if they would fire me as their attorney. Research indicates that Jorge Palma, the attorney who signed the complaint, is a principal in "Financial Independence Services, Corp" and apparently used the slightly modified corporation name in the complaint to conceal his champerty. He was asking for legal fees in the complaint even though it appears that he owns the cause of action.

Gregory Barro,  Attorney at Law  Knoxville, TN   How interesting. I also received a call from Gregory J. Barro and associates while I was at work on December 15. He claimed that Bellsouth was filing suit against me as well and I told him I was contesting it. Strangely enough he told me to contact bellsouth. I'm not sure about this one. I will definitely make sure fight this in court.

Transactools, New York   I am aware of some of the illegal practices of this firm. I am also aware that there are good workers for this firm that try to help debtors, I had a family member that worked for them. He told me of some of the unscrupulous acts they did. He also told me that there are a lot of peole out there that do not like to pay there bills and do everything in there power not to pay there bills. I believe the problem consists of the credit card companies that extend credit to people who can't pay there bills and the judges who allow people who who to get away with it by either declaring bankruptcy, or dismissing cases entirely.

Gregory Barro, Attorney at Law, Birmingham, AL    To the person who posted below: I could not find the attorney whom you claimed contacted you. All Alabama attorneys are listed in the Alabama State Bar Association's "directory". The bar is usually pretty 'up to date' with our members.

You can ALWAYS check out an attorney licensed to practice in Alabama by going to the Alabama State Bar Association's website at www.alabar.org and then click the "Directory" at the top of the home page. You can search by name and city.

As a follow up to my previous post about Gregory Barro, today my employer received a request for verification of employment. Can they even do this when nothing has been filed? Can I just pay Bellsouth and tell these people to take a flying leap? Sorry, yet another follow up to my Gregory Barro complaint.  I contacted Bellsouth yesterday, paid my bill (even though the woman at Barro's office said I couldn't).  Today I received a personal letter AT WORK regarding this debt.  It was addressed to me c/o my employer.  They clearly know my home address, isn't this wrong to be sending that kind of letter to me at work when there is a strong chance I wouldn't be the one to open it?  Add that to the "verification of wages" they sent to the employer the other day and I think they are pretty sleazy!

Gregory Barro, Attorney at Law,  I received a call at work today from someone at the law office of Gregory Barro. It was regarding a Bellsouth bill which I was disputing. (I acknowledge owing part of it, but not all of it.) At any rate, she proceeded to tell me if I didn't get it paid by December 22 they would be garnishing my wages. Working in a law office, I knew first you had to be sued, lose the suit and get a judgment. So I told her I disputed the debt. She said she didn't have any of the documents there so she didn't know what the bill was. She told me I should contact Bellsouth. I told her I would settle the bill with Bellsouth. She got rude and told me that Bellsouth didn't have the account any more and I HAD to pay her by next Friday or a lawsuit would be filed.

Richardson Law Firm   Clarksville, TN 

It looks like this law firm is part of the vast, evil syndicate of collection agencies and unscrupulous legal firms doing the dirty work for the credit card industry in trying to collect money.

Nationwide Collections, Inc. Just a note to say that my wife has received a letter from these scumbags under her old, married name. They claiming that they are working for the University of Bristol, collecting a debt of over $4,000.00. She has not owed the university a half pence since she graduated in 1996 with her JD. I'm surprised Nationwide didn't try to get it from her in Euros.   Doing a websearch, I found this website, noting they have a class-action against them from residents of the state of Pennsylvania.   http://www.lawcash.com/attorney/3352/nationwide-collections-lawsuit.asp  I hope you add them to you list of scam-artists and creeps.

Advanta  I had a Dell acount I paid off three or four years ago. Then this company called out of the blue. I never received any written notice and when I requested Debt Valadition they hung up on me so I called back and spoke to another person and they hung up on me too. I can get no results from them but they keep calling they even called my husband at work after I requested them not to call him at work. I have faxed them all the original information from Dell stating the account is paid in full and each time I call to confirm they have received my faxes I get put on hold and then disconnected, told they never received my fax or told "I must be so stupid that I can't use a fax machine" This has been going on for two months now.

Omnium  Worldwide  Date: The woman on the other end called me and refused to send any paperwork verifying who she was or how she obtained my debt. She claimed she'd already paid for postage once and had no obligation to send me anything. Didn't I have the money for a stamp? Then she wanted to know why I didn't have the money to pay my bill over a year ago and insisted that I give her my bank information - which I didn't. She said if I didn't pay her her collection account would appear on my credit report for 10 years and I was not allowed to contact the original company to pay the bill they would just put me on the phone with her. She was calling from Nebraska but she didn't even have an accent - she did however break just about every collection law. Please tell others these people are people - they have no control over your actions and never give in to anything over the phone if they refuse to send you anything.

Brenda Lee Kretschman  Depew, NY (see http://www.budhibbs.com/giove ) I feel it is only fair that we can voice our own opinion. Our law office specifically is raising the bar. Things will be dont by the book here, we will help people handle their valid and verified debts with dignity and professionalism. Regardless if you drag our name through the mud, we will maintain our quiet strength and make it our goal to change the industry of legal debt collections. We are not only pushing compliance but have several staff members monitoring our employees to ensure fair and legal services to the consumer. B.L. Kretschman is not one to be placed on this web site, there is no connection or similarities between her and any of the other alleged criminals. So if you have a debt and Kretschman Law Office calls you, be not afraid, have confidence you will be well taken care of!

Staff Response:  We understood from our initial research that Ms. Kretschman was an upstanding attorney; however, when she researched the history of the Lenahans and her predecessor and understood the criminal activity that goes on within the Doug MacKinnon organization, and still opted to join them, we have to assume she was blinded by the promise of easy money and was willing to rent her law license.  So consumers, if they call, don't give them a dime until they can prove the debt.  Attorneys:  We understand they do pay on lawsuits...

Collection Company of America (aka CCA) Massachusetts   Bottom-feeder. In my case attempting to collect remaining balance of a 7 year old Sprint account that was settled by endorsement agreement directly with Sprint. Claims to be representing another bottom feeder company as the owner of the debt.

Northland Group Inc.  My husband just received a letter from Northland Group Inc. out of Edina, MN. They are attempting to collect on a debt for Arrow Financial Services who supposedly bought the debt from Household Bank. My husband never had an account with Household Bank, but his ex did. She filed for bankruptcy four years ago. I guess they figure they should try to get money out of my husband now. I had noticed that Arrow Financial Services was on your list of Agencies to Avoid, so I thought I would let you know that they are also using Northland Group to attempt to collect.

Grant & Weber   I received a call from a guy claiming to be with "Grant Weber," with an 818 area code. He got extremely aggressive when I asked who he was, why he was calling and what Grant Weber was. He wouldn't answer any of my questions, and got really agitated when I wouldn't say who I was. This reached an apex when I told him I would not pass along his message to the person he was asking for (me). I told him I wouldn't pass along "secret messages from someone claiming he has 'personal business' to discuss or claims that he 'does business with.' He responded by asking if I was the person they are looking for, which I didn't answer. He then demanded to know who I was, claiming he has a "right to know who (I am)." My next move was to tell him that I do not take calls from people "playing telemarketing games." Then he got even more verbally upset and I hung up on him. Less than 30 seconds later he called back! And he was even more aggressive. He kept yelling, insisting that I pass along the message. He kept yelling about how this is important, how "he needs this information," etc. After this amusing and rather fun game I researched "Grant Weber." Turns out it is Grant & Weber, which specializes in medical collections.

Platinum Recovery Systems   Supposedly, this is the company that has taken over for the defunct Nextcard. Though the statute of limitations in California is four years for a written contract, the debt can still report for up to the seven years the bureaus allow. In an effort to simply resolve a "nuisance", and knowing full well that they cannot present me with any paperwork (ie signed contract) that this is indeed my debt, I proposed that I would GIVE them 20% of the reported balance if they would cease reporting. I mean here I am finding them, and GIVING them money a debt to which they have no further legal claim, and all I am asking is to stop reporting. No, that's not good enough...they want 40%. When I asked from a business standpoint what did they stand to gain by simply continuing to report this, I got no answer but the equivalent of a "raspberry" to me! HUH?? Money comes and falls on your desk and you snub your nose saying I won't take it because it's not enough? Am I not seeing something?

United Collection Bureau    Toledo  United Collection Bureau (5620 Southwyck Blvd. #206, Toledo, Ohio 43614)

Diversified Adjustment Services    Their address is Diversified Adjustment Service 600 Coon Rapids Blvd.  Coon Rapids, Minnesota 55433  And phone number is 1-800-348-2274

Northstar Location Services, LLC NORTH STAR LOCATION SERVICES, LLC  ATTN: FINANCIAL SERV. DEPT  95 JOHN MUIR DRIVE, SUITE 100  AMHERST, NY 14228-1144 #1-888-328-8253 & # 1-888-327-2771

Dell Financial Services   Buffalo  I received 4 calls today from the Dell collections department. 4. In New York State, being in collections years ago, I know that they are only allowed to call me once per day. 20:10 pm, 19:32pm, 17:19 pm, and 10:47am were the times the calls were places. I told the first 2 that I just received my bill in the mail yesterday after being without power for several days. I verbally requested not to be called again, and "David" said that he would continue to call, which is harassment. Section § 806 of the FDCPA. 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.

Laws 2, 5, and 6 were both broken. If these debt collectors had any collection skills, they would be able to read that I had asked for the bill to be resent, stating that I did not get a September bill. The rep sent me all of my bills, and sent the most current via email. I have a check for the full amount ready to be mailed, with a stamp on the envelope. I was in collections for over 2 years, and know the laws, and the collections department broke those laws. I have each call documented, and will not be sending anything until I hear from a Dell representative telling me what their intentions are in regards to this harassment. Am I right here?

CMS Fraud Division    I was contacted by CMS Fraud Division by mail in July of 2006. The letter said that I had written a fraudulent check almost 7 years ago and if I did not pay them $248.00 I would be charged with check fraud. Instead of calling the number on the letter first I called the company I supposedly wrote the check to and they searched their records and found no record of me ever being there. I then called my bank and they had no record of a check. I then called the number on the letter the phone never rang but some lady picked up and said that my case number was handle by some guy and sent me to his voice mail. I left a message and no one called back. I then called back to leave another message and some other guy (Glen Roberts who might I add had a VERY thick foreign accent) he said he was in charge of my case (not the name the first person gave me) and told me basically what was on the letter. I informed him that I had been in contact with the company and they had no record of me being there or writing a check. I also told him what my bank had said and that I wanted a copy of the check or some other kind of proof. He said he would send something and hung up. After the phone call a googled the address and it came up as an unknown address and there is no record of a business with this name. Now it is October and he called me saying that I have now been charged with check fraud and that I am barred from the establishment that I supposedly wrote the check to and that I have a warrant for a court date and a lawyer will be contacting me with a court date. I asked him why he did not send me a copy of the check (with the acct# blacked out) and he told me that it could be used as fraud in the wrong hands. If it is my check what is the problem?? After that he said the case was closed and he was just warning me lawyers were going to be contacting me and hung up. I definitely believe this is a scam.

Glen Roberts     Credit Merchant Services     Fraud Division  NY, NY  1-866-532-4138 X905

Erin Capital Management - Cortland County     In a nutshell... the justice system basically got took for a scam in Cortland County which has cost me and my family big time. Erin Capital Management along with their scamming attorney staff, Eltman, Eltman and Cooper and also another part of their ring called Wallet Recovery, namely a Gregory M. Maurer (516-660-5502) actually fooled the county clerk into approving a judgment for a debt that didn't belong to me. I wrote to her about this after I found out, which was nearly 2 years after it had been done (so I'm way out of the "legal" range to even fight this, and yes, I have already tried to until I'm sick to my stomach and have constant headaches), telling her what had happened and thanking her and the judge for being so easily duped. Apparently I upset her, she defended her position and never wrote back again. I maintain that this is a scam and the Cortland County system was duped, costing me not just a few hundred, but SEVERAL THOUSAND dollars! I've considered writing an article for the local paper about this and may still do so, exposing the whole thing to the public. My wages are being robbed each week for a debt that ISN'T mine thanks to no one doing their job right! Erin Capital Management, Eltman, Eltman and Cooper and Wallet Recovery (obviously I'm not the only one complaining about them here) all based in NYC SHOULD be placed on the permanent SCUMBAG list on this site.

Check and Merchant Services CMS     I received a letter  from this company stating I had ignored previous demands to make restitution for a dishonored check I will be prosecuted for. I called and got voice mail for Mr. Murphy I left a message. He called me back and I asked him to fax or mail proof. He said he could not provide that information. I asked to give me the bank name the check was written from and he said he didn't have that info. I then asked how he was going to take me to court if he didn't have proof of the debt? He said they will provide the check when it comes time to go to court. He told me to go to the bank and get proof I advised I had no idea what bank it was. I asked if he could tell me who referred the check to them. He told me that they didn't have that information. I have no idea about this bad check. The only info he had was that it was written in May of 1999. I have never received any information on this from any other company. I went straight to my computer and checked my credit report. There is nothing about this on there. I asked him about why it wasn't on my credit. He said they don't report to credit. Earlier he had told me it had been through 2 other companies before them. I asked how lucky I was to have 3 companies not report a check for that large amount to my credit sarcastically. He laughed and said I guess you are lucky. Yeah right if you don't pay someone they report it as soon as they get a chance in hopes you'll pay quicker to get it removed. I used to work for NCO Recoveries:( That place is awful. I need to know how to find out if it is real or not. I don't believe it is but I don't want to go to jail either.

Nelson, Watson and Associates, LLC     My first communication with this collector was via phone call. After the rep identified himself as a collector, I informed him that I did not conduct this type of business over the phone. I asked him to please mail me any information regarding the supposed debt and I would respond in writing after I received and reviewed the information. The agent became angry and stated that information had already been mailed. I informed him that I had not received it. I also aced how it was sent, via regular post, certified mail, return receipt, etc. He informed me that it was sent via regular mail. Again, I asked him to re-send the information regarding the account. The agent refused. I then informed him that I would like written verification of the debt as allowed under the FDCPA. He refused. He said that he considered my request for written verification of the debt as "refusal to pay." He then stated that he was recommending that his "client" seek legal action against me for my refusal to pay. I informed him that I was not refusing to pay, only asking for written verification of the debt. I told him I want it in writing that he has recommended his client to take legal action against me. He became furious.

Zakheim & Associates, PA DBA Richard Battaglino, Esq   I received a summons, which a family member signed for.  I called Zakheim & Associates immediately trying to negotiate a payment or anything to STOP them suing me. I was transferred to a man named Juan, who didn't speak English very well, and had a seriously heavy Spanish accent. In good faith, I initially offered to pay $100 down and $200 a month. He LAUGHED AT ME!!! and told me that was unacceptable. He told me I had to come up with $900 down IMMEDIATELY and $450 monthly. I told him that I couldn't come up with that much money, let alone afford that monthly payment. I tried to explain that this was an old debt from a previous marriage in which that husband died, suddenly. I have very little recollection about speaking with Chase credit card company in Nov 6, 2003. I explained that I was on heavy anti-depressants at the time due to my duress of losing my husband quickly to a brain tumor. He didn't care, and I really didn't think it mattered much to him, Juan anyhow. I was then told by Juan that I had to come up with $600 down and then they, Zakheim & Assoc would accept payment of $300 with in 1 month. I became very upset and started to cry, I was totally afraid of the whole mess. I'd honestly forgotten about the debt. He told me he would have an independent man call me by the name of Arnold Roochand the next day to see if he could help me. Juan told me that this man often made 'deals' that would be acceptable to the credit card company and the 'law firm' he worked for. He wanted my bank information and I refused. I just started a new job on 9/22/06 and get paid bi-monthly and haven't received a check yet....due out in a few days. Anyhow, he threatened me that I could lose my home. in Florida there is a right to domicile. He told me that my wages could be garnished....he told me I HAD TO REFINANCE MY HOME. I told him I could not as I have no credit.

Conn's Appliances, Dallas, Texas     Conn's has an in-house collections department that make the third party guys look good.   There office is located 4610 McEwen, Dallas TX 75244. The company has turn over galore due to mandatory overtime. The training was almost cult like. There was an instructor by the name of Jason who screams that "we are family". All employees are expected to have a career and nothing else but Conn's. As soon as the account goes 31 days past due, the assault begins with multiple calls to home and work. They are aggressive enough to start calling at 8:00 AM on a Sunday morning. Jason, over the objections of trainees, was bold enough to say that to do everything to get the money. Post date the checks if you have to. They are reluctant to take credit cards. Going to the store to pay is a "NO No". The call starts out it is important that you call us TODAY. The most shocking was the following scenario: A Conn's collector calls. The debtor has passed away and the funeral is today. The collector is required to browbeat the surviving spouse to pay up.

It is bad enough that the salesman are commission only and trained in used car salesman "what can we do to get you to take it home today". It is bad enough that Conn's will do everything to hide from taking action on customer complaints. They will also browbeat a debtor to pay for a defective appliance. Conn's will not send a repairmen unless the account is current. The company is adept at blaming the victim and then browbeating them for money.

I have worked in-house collections. The purpose was to try to save the sale, protect the bottom line, along side with providing good customer service by negotiating payment arrangements. I would not be caught working for a third party collection agency. I would not be caught working for the Mafioso's out of Beaumont.

Zakheim & Associates, PA  Date:   I'VE JUST RECEIVED A LETTER FROM RICHARD BATAGLINO FROM ZAKHEIM AND ASSOCIATES, GIVING ME THE CHANCE TO RESOLVE THE LAWSUIT FROM COLONIAL CREDIT CORPORATION, ALSO IN THE LETTER THE AMOUNT OWED WAS RAISED TO ***** (THE AMOUNT I'M BEING SUED FOR IS *****. ALSO I RECEIVED A LETTER FROM AMERICAN MEDIATION & ALTERNATIVE RESOLUTIONS, INC BASED IN ST AUGUSTINE FL, OFFERING TO MEDIATE ON MY BEHALF. THEY STATE THAT THEY MAY HAVE SOME GOOD NEWS FOR ME CONCERNING THIS ISSUE AND THAT THEY ARE NOT ASSOCIATED W/ ZAKHEIM & ASSOCIATES. THEY'RE CONTACT # IS: 877-815-8396 (NOT A FLORIDA TELEPHONE #). WHAT DO YOU MAKE OF THIS? I THINK THAT THEY WORK FOR COLONIAL
CREDIT AND ITS THUGS.

Bass Enterprises aka Bass and Associates   I had a Suzanne Thompson from Bass Associates, or found out they are Bass Enterprises. She called and said I 3 felony counts against me and committed wire fraud and mail fraud. The Us bank are coming after me for $527.50. Its for a Arrowhead financial loan I took out for the internet. The original was for $300.00. I had two hours to pay it . It was 3:00 p.m in the afternoon on a Wednesday. I had to money gram this to them by 5. In which I told them I couldn't do this until next day. I was so upset and couldn't think that after work the next day I went to the nearest Wal-Mart and wired them the $527.50... Now, I could shoot myself. I cashed in some of my vacation hours and was going to take myself and my husband for a nice weekend outing. As we both have been working really hard, fulltime. My husband with two jobs!!!! I am now out of my money. With no weekend getaway. I could just cry...I called them back and told them they couldn't harass any-one like that. I want a rcpt. sent and money back. The main guy hung up on me. As well did Suzanne Richards today. Their address is Bass and Associates  9378 Arlington Expressway. Suite 323   Jacksonville. Florida   32225 Telephone number-1-877-281-2224

Aaron Delgado and Associates       Clearlake, CA  I pulled my credit report on October 8th and saw that this company is reporting a balance and that it is past due. I called the phone number today listed for this company 352-236-3992 and spoke with Sheila. I asked her about this debt and requested validation. She put me on hold to speak with her supervisor (Holly). When Sheila came back she said "My supervisor states that we do not provide validation when the account is so old. Your account was given to us and you were delinquent in October 2000." I told Sheila that by law they must provide me with documentation regarding this account and that I am disputing it. She put me on hold again and consulted with Holly who told her the same thing over again. This company refuses to validate this debt and states that by state laws in Florida they don't have to provide validation. They even told me the addresses of where they sent the letters to in 2000 and I told them I have not lived in Florida since 2000. They still refused. So I let them know that I will be filing complaints against them with FTC, BBB, state AG etc. They said "Okay! Have a nice day!"

American Recovery Services    Delaware I spoke to a woman claiming she was calling in reference to a debt to USAA Bank-she wanted to know if I was going to make a payment today. I asked if she was with USAA Bank and she said that she was collecting on a debt concerning this account and then asked again if I was going to make a payment. I asked who she was with and she stated “American Recovery Services”. I asked for documentation to be mailed to show the validity of the debt, she then stated 2 letters were previously sent. I didn’t receive any such letters. I then asked to “what” address  these alleged letters were sent. When she gave me the address, it was incorrect and I told her the correct address to send the information. She stated that “they were not going to send any information to me, since they already sent two letters”. I then stated that I was not going to discuss any matter concerning any debt until I had confirmation of whom she represented and to confirm the validity of the debt.  She started yelling, threatening to file a civil suit and sue me for the money owed. I told her that her firm was to “cease & desist” contact with me until the validity of the debt was provided. She started yelling about “suing if I didn’t pay”, I said thank you and hung-up.

Message left on my cell phone @ 4:54pm from Mr. Burks wanting me to contact him @ 866-811-0490. The number on my caller id was 847-709-7580. I haven't returned their calls, instead I've contacted a NACA lawyer at this point and have forwarded all my information to their office. Now I just wait to hear from them on my next step.

Check and Merchant Services  Birmingham   Several months ago I received a letter from Check and Merchant Services in White Plains, NY. It said it was from the "Check Fraud Division" and stated I owed $184.98. I had no idea what this was about so I called. They told me it was regarding a $59 dollar check I had written in November, 1999. When I told them I had never received notification from my bank, I asked them to send me a copy of the check. They said they couldn't do that, I would have to get it from my bank. The bank the check was supposedly written on is no longer in business, it was bought out by another bank. I received another letter yesterday from this "business" stating that they could recommend me for criminal prosecution and a warrant would be issued for my arrest. They refused to verify this supposed debt, the amount they are saying I owe is over twice what the alleged check is. Are they legit?

Bud Hibbs Staff Response:  Wonder how they're collecting on a bad check from a bank that's out of business?

Apex Financial Management  Kentucky   Has anyone dealt with these people? They've scared me to death and I'm trying to enroll in a debt settlement program but the lady says they won't accept it. Just wondering if anyone knows anything about them.

Evans & Stone  National Action Collections   Texas  A woman called my house last night purporting to be a "paralegal" and that "a lawsuit is pending against you" for an old debt from Household that is either right at or outside the statute of limitations (4yrs in Texas) I told her that and she responded that it was a "federal" matter and therefore the statute is 7 years. Now, I worked for a fair bit of time in the collections racket, and I have worked in the legal field for 7 years, and I have NEVER heard of this nonsense. I then asked her for the cause # or docket # of the supposed "lawsuit" that had been filed. She could not provide this information either. She placed me on hold for a long time, then came back on the line and said I would have to speak to "Mr. Stone" in the morning because she did not have access to that information. Now, I know this much, she blatantly broke the law by stating that "a lawsuit is pending" and by maintaining that it was a "federal" matter. What is my recourse. I am sick to death of these people masquerading as legal professionals. Have you ever heard of old credit card debt referred to as a "federal" offense?

FMA Alliance   Texas  Just wanted you to know that Sears has sold their collection accounts to FMA Alliance. FMA Alliance hounds people at least twice a day and leaves messages forcefully saying the person's name (to try to intimidate them) and that they are to call Mrs. Rogers at 877-263-8309 and ask for extension 5359. She gives a "case" number for the collection. This woman does NOT identify what company she is with or who she is trying to collect for on her messages.  She does not follow the rules of FCRA at all.

Erin Capital Management   Syracuse, NY   I received a notice from sheriffs office about wage garnishment. I asked how since I never got a summons, but courthouse has summons against me. Apparently a Michael Shadders says he hung it on my door and verified it with a neighbor. Funny, no neighbor lives there! Sounds like someone else's complaint here. So now my wages are being garnished and I don't even know anything about the debt! I'm reading all over the internet now about Erin Capital Management being crooks. Not sure why they aren't in the "scumbag" list on this site, but hopefully soon. Now I am fighting to get my money back.

Focus Receivables   Unreal illegal activity... telling family members that I'd be facing legal action and that my card was declined for debt. Disobeying C & D notices. I've dealt with many firms, none crossed the line like Focus.

Colonial Credit Corporation    I was recently served with a summons regarding a debt, by Richard Battaglino, Esquire from Zakheim & Associates, p.a. representing Colonial Credit Corporation. They had gone through the Lake county clerk of the courts. I am distraught over this, as I do not recall owing over $7,000 on a MasterCard acct. The most I did owe was around $3,000, but I had been paying that off, but the debt never seemed to go down, what with the exorbant interest the company was charging me each month, my $150.00 per month minimum payment wasn't even putting a dent in the balance that I owed. I finally got so overwhelmed, that I just stopped paying on that credit card. Also, the above mentioned attorney claimed to have mailed me a letter in june 2006 about this debt. The paperwork I received is confusing and somewhat misleading. It also contains an affidavit in support of judgment filed by Dan Varner: president of Colonial Credit Corporation.    Bud Hibbs Staff Response:  Colonial

Focus Receivables  My husband has two accounts with Focus Receivables. He is negotiating settlements to no avail. Last night, we had the RUDEST, nastiest man harass us for almost 15 minutes. He used racial slurs about Mexican people that really offended me. I am Caucasian and have no tolerance for bigots or racists. I believe that all people belong to one race--the human race. Anyway, when I told him I was offended by his comments, he said he didn't care about my feelings and that he had everything I was saying on tape. He was totally lying because when I asked him to play it back, he couldn't. Anyway, this man broke about 5 laws of the FDCPA and I called him on it. He told my husband to get a lawyer and that is when I grabbed the phone. I am a lawyer and told him that he was treading on thin ice. He harassed and insulted me.  Anyway, these people are scum bags and bottom feeders. He didn't care that even though I am a lawyer, I make absolutely NO money as I defend indigent criminals for a living! I barely make minimum wage and have HUGE student loan debts. Anyway, we are saving money and plan on paying ALL that we owe. We just can't do it TODAY. These people lie about "owning" our accounts. I found out on my credit report that one lady who claims to "own" one of my debts does not. It is still with the original creditor. We asked for debt verification and were told we were past the 30 days. This was on the first phone call. Is this true and if so, can we still request verification? Please add FOCUS RECEIVABLES to you list of agencies to watch. Thank you Mr. Hibbs for your awesome, informative site!

Bud Hibbs Staff Response:  There are rules they are supposed to follow - you can ask for verification and they have to follow up the first phone call with documentation in writing within 5 days.

Pinnacle Financial Group  Johnstown, NY  I just received a settlement offer from Pinnacle on an old store charge account for $581. This is the first time I had heard from this collection agency .... letter states to call them and they will settle for a fraction of the amount owed. They never stated that I can dispute this account etc .... or that I had 30 days to respond.... isn't that against the Consumer Laws? Has anyone else out there dealt with these people?

Law Offices of John P. Frye  St. Louis, MO These people are real pieces of work. They have no clue how an attorney should act. I worked for one for 2 years and I never some thme act with blatant disregard for people as human beings, The the Law offices of John P. Frye sure do. The supervisor I have delt with is unbelievable. She has delved into my personal life, which she has no right to do. I informed her that I was recently divorced and he was supposed to pay them too. They told me they did not believe me. They claimed that “if” that was true I needed to contact my ex-husband and “get it”. My ex-husband was abusive, and I am afraid of him, this is why we are divorced.  She also makes claims that I have promised monetary to them. She claimed the $200.00 I have paid over the course of the last two months was nothing and that their office did not consider that paying on the account. When I asked how claiming that it wasn’t paying on the account when I have is legal she could give me no answer other than her office could do as it pleased. This is a statement which you and I both know is not true.

I will say however when I went over her head I was informed that that they didn't condone this behavior and that I did not have to deal with either of them again. I don't know if I believe him but you would hope it was true. He then told me to write a C&D. Maybe all the people who work for Atlantic and John P. Frye are bad?

Law Office of Laurence Hecker, Attorney at Law  Phillipsburg, NJ  I was recently contacted via mail by this law office stating I owe them money, the letter does not provide the original creditor's correct company name. So since I don't know what it is for I call the company and reach a man who does not give me his name and does not verify my identity in anyway. He informs me that this is an old debt (over 9 years old, which I know now is 3 years past the collection time frame in NJ) and that they are going to sue me in court since I refuse to pay. I attempted to explain the situation to him but he refused to listen got loud and irate and hung up on me. I called back determined to resolve the situation. I spoke with another man and explained what happened on the first phone call. He apologized and offered his assistance. I told him what happened and he says I have to transfer you and I wind up with another man who is even more rude and abusive than the first person. He winds up screaming at me and making threats that he is going to contact my employer, now I know this isn't legal so I tell him he can't do that and he says oh really you watch me. He then proceeded to shout at me that he is going to take me to court and win a judgment against me for way more money than I ever owed in the first place. Now alot of what they did I know is illegal because I am in the collections industry myself. I even told them that when I was talking to them and they continued with their poor treatment of me. I am just amazed that they can get away with treating people this way. If I ever heard one of the individuals who work for me treat someone that way they would be out the door. I am wondering if anyone else has had dealings with this law firm. Their phone number in Princeton, NJ is 609-779-6600. I want to say thank you for this site because I know now that if they try to sue me I will show up to fight them all the way. Thanks Bud!

Boudreau & Associates    Atlanta, GA   These jerks off constantly call me at work and at home for a debt I don't owe. I have asked them numerous times not to call me at work and it's like a joke to them. They threaten litigation. I usually put the phone down and let them hang up. But they hit redial and call right back over and over again.

Erin Capital Management  Syracuse, NY   This firm called me about a debt I didn't know anything about. Insisted I was who they were looking for and demanded payment in full of $4000!!! I told them I didn't know what they were talking about, but they continued harassing me until I wrote a cease and desist. I received a demand in mail from them for payment of same amount and wrote back, certified mail, demanding proof. Have not heard form them since, being almost 4 months now. Then I noticed they had reported this on my credit report and I am now in process of trying to get that crap removed. It appears some of us on here are not as lucky as others however. Good luck to those who deal with these idiots.

Wallet Recovery LTD     These scumbags are part of the swindling ring that is headed up by Erin Capital Management! Eltman, Eltman and Cooper is also! They're all one big ring of thieving creditors that tout themselves as "professionals" yet Erin Capital Management buys up dead debts for pennies on the dollar and passes some of them on to Wallet Recovery LTD, and especially one Gregory Maurer who works for these scumbags. This scumbag will even call you at work! If you're hounded by any of the above you'd better get some kind of help because they'll get a summons through the court system without even serving you, thus resulting in garnishment of your wages!

First Collection Services     Valdosta, GA   This company should definitely be on your list. They use strong armed tactics, trying to scare you into payment.

My husband has an outstanding bill with Alltel. We closed our account, and were told we had no balance, only to find out many weeks later that we did in fact have a balance owed. So we were immediately sent to collections with First Collection Services. The first time they called, they were very nice. We could only give them $75 out of the $135 that was due, but they seemed happy with that. Only when we weren't able to continue to give them $75, were they not very happy. My husband is in the Air Force, and was receiving phone calls at work from this company. He asked that they not call him at work anymore and promptly started to receive calls on his new cell phone with a different provider. How they got this number, I do not know. One reason they were calling at work is they, like most agencies, were calling and when they decided to leave a message on our home phone, they left only a person to call and a phone number. No reference number, no reference company, nothing. I don't know too many people who return calls like that.

Graham Beagle and Associates  New York    mr omar smith and narvell are collecting on out of stat account from radio shack and he only have out of stat accounts,,,,,,,nothing after 1998-----they are trying to build up there paper so that they can collect on better paper in the future,,,,so he tells people that there last payment was 2001......so they will pay it or saying they are going to send them to jail,,,,,,,also they now have the famous Mr. Jeff turner formerly of lenahan law office working there not for long....buddhibbs had him on tape threatening to send a debtor to jail last year before he got fired from not hitting his quota.....loser

Erin Capital Management  New York    These scum are based in NY City. They contacted me about a debt, so I wrote back asking for verification and they never answered. Several months later I receive writ of garnishment in the mail from the local sheriffs department. So I go to the local courthouse and sure enough, there's a summons there that I never received! Went to lawyer. The lawyer examines the paperwork and says there's nothing I can do! So now I've written to the governor, state attorney general and FTC complaining about this. What kind of a stupid country is this if one cannot even defend themselves against scumbags like these?! They even hire d a mouthy lawyer named Gregory M Maurer who will cut your whole family down if you even try and exercise your rights! My lawyer says there's nothing I can do? Erin Capital management and the law firm of Wallet Recovery, especially Gregory M Maurer are super crooks of the lowest kind!

Eltman, Eltman and Cooper/Mid America      They called to demand I pay my debt via a check by phone, which, because I was scared they'd sue (Ms. Juanita Bradford said she was an attorney) I made arrangements for. I then rethought, tried to make due with paying and was unable to pay my rent on time so I cancelled the phone check and left her a message saying why I cancelled it, and if she wanted to communicate with me in the future, she's need to do so only via mail in writing.

SRA Associates   New Jersey   I noticed above that someone wrote in about SRE and I recognized the phone number 800-735-0552. That is actually SRA Associates and they have been threatening me. They have used all the typical lines that I've seen mentioned on this website asking "what is our intent" and telling us that they and their client have decided to take action. They are claiming that we still owe some back payments on a leased vehicle we turned in 2 years ago and yet last week was the first we heard of it. The agency opened up with threats of putting a lean on our house and he didn't even have any paperwork on the debt yet. We tried to contact the original creditor but they said that they handed all our information over to the agency and left everything to their discretion.

Erin Capital Management  New York     These scumbags have successfully begun garnishing my wages with a false judgment number and are getting away with it! What a stupid justice system we have in Cortland NY. Bunch of dumb  lawyers and judges. Thanks a lot Cortland, NY!!! The Cayuga County Sheriffs are pretty stupid too for falling for it!

Wallet Recovery  New York     This guy says he's a lawyer. Actually signed a garnishment execution too, so I guess he must be. Anyhow, I called him because I wasn't sure what was going on when I received garnishment papers. I asked him if he could cease and desist until I got some documented proof but I never got the sentence out of my mouth. He said I was living in fairyland if I thought that would work. he also said things about my mother and other relatives that were incoherent basically because the anus was hollering at me. Then he hung up on me. Here's his [phone number and address. Write him, call him, tell him things about his mother and his relatives.
Gregory M. Maurer  250 Jerhico Turnpike #207 Floral Park, NY 11001  516-616-5502

McCleskey, Harringer, Brazill & Graf  Lubbock, Texas    To the person who posted the information about his dealings with this law firm. Is he still being contacted by them? I asked for and received validation of the debt on a Citibank credit card, but they only sent a partial validation and at least half of what I owe are late charges and interest charges. Am not sure what I should do now. The letter that came with the validation documents asks that I contact them if I want to try to settle with them before they sue me.

"Friendly" Advice  Buffalo     I've ready your site, and find it very informative. However, I've read more than a few complaints from people that say that a debt is "uncollectible" since the Statute of Limitations has run out... That is not entirely true. The debt is still valid, and can be actively collected, even after the SOL has run out. The SOL has to do with when they can file a valid lawsuit... These out-of-statute debts can hang around FOREVER... Really the only 4 choices you have are:
1. Pay the bill, and be sure to get a paid-in-full letter.
2. Ignore the phone calls and hope and pray that they stop...which we all know, THEY WON'T...
3. Send a cease communication letter to the agency that's trying to collect. More than likely, after your letter is received, the agency will close and return the account to the debt buyer, who will quickly place it with ANOTHER agency. Now the new agency places calls, and you're forced to do it all again...
4. Try and litigate... Trap the agency into breaking a couple of laws, and sue them... In my opinion, this is a gigantic waste of time... If you don't work, and have nothing better to do, have at it... Most of us have busy lives and really don't have the time. The most you'll ever see out of an agency (if they even decide to pay the judgment) is a couple grand. Not exactly a huge payday...I hope that this information helps.

First Financial Asset Management  Laughlin, NV   Another bottom feeder ignores the CEASE COMM letter. These people were notified in May and still they call. They never responded to the request for validation, just keep on calling. Filed a complaint with the FTC and State of Georgia this morning.  First Financial Asset Mangagement  230 Peachtree Ste 1700 Atlanta GA 30303  404-523-0411

Forster & Garbus  New York   I have had 2 letters from these so-called lawyers about 2 different Capital One accounts, both of which have been in the hands of OTHER debt collectors in the past. In the letters it states to PAY THE BILL ... also states that no attorney has seen the account so far! I sent them a cease communications letter and also asked them for original signed credit agreement, account history etc. for verification .... what I did receive was a letter stating Capital One Bank, account #, nothing else. I again asked them for the above information and all I received was an answer summons taped to my door threatening a law suit. I sent them a certified answer and also sent a copy to my city court, in the summons it stated that there was no dispute on this debt which I had disputed many times, I called my County Clerk's office and they said because I served an answer that they cannot get a "default" judgment against me, they will have to go ahead and file a lawsuit. I will go to court if they sue and make them PROVE I owe this debt. Anyone else ever dealt with this so-called law firm?

Allen & Associates, New York   This a fraudulent merchant account opened in the name of S and A Services. I have sent numerous requests to validation under the FCRA and FDCPA laws. I was told that because it was a business account that the FCRA does not apply and neither do FDCPA laws. Also I was not read my mini Miranda rights and was told if I do not pay that the funds would be extracted from me. What does that mean? I am sick of being harassed by this company . I want to file charges against this company!

Baker, Miler, Markoff & Kransky  Chicago   This large debt collection firm actually secured a Default judgment prior to ever notifying me of anything. When caught, they had the judgment vacated and proceeded again. They claim to represent Citibank, who have failed to validate the debt with the Credit Bureau and it was removed.

In a second Credit Card, Discover, I received a threatening phone call and asked for documentation in writing. I received a letter from a Ms. Ingram stating a judgment had been obtained against me and I better arrange payments with them. When I demanded a copy of the judgment, Certified Mail, I received no response. Six months later, they filed for default judgment without ever responding. Scumbag debt buyers in the Midwest.  Beware!

Emmett L. Goodman Jr.    This office makes a lot of money in Georgia serving judgments, and filing garnishment. Either way they get their money. They do a lot of business with Sherman. They are nice on the phone but how nice can you be when you are saddled up with Sherman and the family. Beware.

Pallino Asset Management    Does anybody know what Pallino Asset Management is? I can't seem to find any info on them. I'm guessing they are just some yahoos that buy junk debt and try to get other yahoos (Creditors Interchange) to try and collect it. Thanks for the top notch web site Bud, the information has been really helpful!!! 

A helpful consumer says:  See the law offices of Mann Bracken, Vinings, Ga. They are the ones who "collect" on Pallino accounts. Badly I must say!

Oxford Management Services  You should look into adding these guys. They have been calling me for the last 2 1/2-3 weeks yet I have yet to get anything in writing; which they are required to do within 5 business days from first contact. They even looked at my credit report on July 25, so without a doubt I should've gotten something in writing by now. Apparently I'm not the only one that has problems with them either:  http://forums.treemedia.com/fb/showthread.php?t=812

Neuheisel Law Firm   My husband had a judgment filed against him by Neuheisel Law Firm. The attorney was Katherine Neuheisel. It was for a company of CSGA LLC. This company doesn't seem to exist, no matter how hard I've searched for it. But we received a letter from them with a mistake of the company that has the judgment. It said CACV of Colorado. That is when I checked ou this company and found this page. Beware of CSGA LLC I think they are another company of CACV of Colorado's. Don't let it happen to you.

Erin Capital Management  Wallet Recovery   New York    Received a call while at work. The guy claimed to be a lawyer for Erin Capital Management. Said he wanted to give me a one shot chance to go down to the Sheriffs office each week to make my payments or they would begin garnishing my wages.  I told the guy I didn't know what he was talking about (because I haven't been served papers) and he whipped off my correct social security number, but I denied it was mine, told him he was an a**h*le and hung up on him.

VCollect, aka Laurence Hecker Law Firm   California    Hey Georgia and everyone else out there that have dealings with these "people" (I use this term loosely). I don't know if this has anything to do with it but amazingly after I stood up to them and gave them a run for there money a number of times on the phone THEY ARE NO LONGER CALLING ME!!! I actually made them speechless when I stood up to them on the phone. It has seemed to work!!! Don't forget to call the F.T.C about them and put in a formal complaint.

OH!!! I forgot to tell you all that when I did some searching on the net about him and his company, I found out that this is not the only company he is involved with. There are a number of them. So when you type your letter telling them to stop calling you, make sure you put that this includes any and all of the companies he has some type of involvement with!!! That way they don't get you on some type of loop-hole. This also goes for anyone who has problems with other collection people, do some searching, and make sure you cover all you basis.

Nierman & Olivio  Houston    Chase sued me in 2001....Nierman & Olivio filed a lawsuit against me in Harris County. I didn't show up because I had no transportation and didn't think I had any rights...Of course they won by default and I'm still paying for $over $4000 for a $1500 credit card bill.  If I had been more educated as to my rights in 2001 and if I had known about sites like BuddHibbs then I wouldn't have been cheated out of $4000....I appreciate the knowledge you share with us budhibbs....keep up the good work. Knowledge is power...