Head Debt Collectors:
Henry E. Swayze, President, Aurora, CO henryswayze@creditorsfinancialgroup.com
Charles C. Nail, Chief Executive Officer, Amherst, NY

Quick Analysis                         Consumer Comments Below

This was a low-profile collection bottom-feeder agency UNTIL they opened an office in Buffalo, NY which is home to the MOST disgusting, unprofessional, under-trained and illiterate debt collectors in America. Apparently CFG owner Henry Swayze wanted to take advantage of the cheap labor, and high unemployment Buffalo offers to the sleazy side of the industry.

Anyone who collects out of Buffalo can be assured that the law, the Fair Debt Collection Practices Act (the federal law regulating the activities of the collection industry) is mostly ignored in the collector’s pursuit to make that commission paycheck. Don't be deceived into believing they have AUTHORITY to file a lawsuit against you, initiate a wage garnishment (even in states where they are prohibited) or file a lien against your property. This is all done in the name of a scavenger debt buyer who pays pennies on the dollar for a (mostly) worthless account that ONLY a bottom-feeder could get excited over.

Apparently owner Henry Swayze and Buffalo CEO Charles C. Nail are more interested in lining their pockets at the expense of unsuspecting consumers than following federal laws.

My advice; Stay far away from this organization of collection agency rejects, losers and potential future prison inmates. Experience shows that they cannot/will not EVER file litigation because they are incapable of meeting even the most basic requirements of debt validation.

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. 

Email for Assistance 

  Comments from consumer emails.  Messages edited for brevity.

Consumers said... Creditor's Financial