Bud Says                         Consumer Comments Below

These two debt collectors are using their law firm and bottom feeder agency to buy, collect and file lawsuits on. Located in Woodbury, NY, the debt collection law firm of Cohen & Slamowitz and Gemini Recoveries, Inc. This is typical of lawyers buying old, mostly worthless accounts and filing lawsuits so they can make money off the misery of others.

The problem with these type debts is that they must be proved in a legal venue. Consumers are warned that bottom feeders, such as Cohen & Slamowitz, aka Gemini Recoveries have a VERY difficult time in producing the correct legal documents. Any suit should be challenged, make demand for all documentation that validates their claim. Do NOT accept anything other than original documentation, containing your signatures. Make them prove what the annual percentage rates are legal, i.e.; proof that you were notified of the prevailing rates y the original creditor and that it was a part of the cardholder’s agreement.

NEVER, take a default judgment from a bottom feeder, make them show up in court, always answer a summons.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available. 

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  Comments from consumer emails.  Messages edited for brevity.

Consumers said... Cohen and Slamowitz