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 Debt Collectors
 Arbitration Claims
 Alternative to
Bankruptcy

TIMOTHY MANHARD, PRESIDENT

JOSEPH COLISIMO, VICE PRESIDENT

Bud Says                         Consumer Comments Below

From an Insider…

 

Mid-April 2008 the owners shut down for a week to facilitate a change over from the Delta Group to the now know as Fortis Financial Group. The owners state the main reason for the change was to make a clean break from all of the past questionable collection practices to completely compliant practices. The only thing they changed was the name of the company, phone number to return calls 866-892-4564 the caller id's still display the local 716 area codes for the additional lines. The address 5140 Main St., Box # 303-357, Williamsville NY 14221 is a mail drop the office remains in the same building at this address Suite #220A. The web site for debtors to contact is not functional. The name and company logo is an imitation of the logo used by a legitimate company "Fortis Financial." the name was selected to give the impression for anyone who googled the name that it's part of that company. The Fortis Financial Group is also using another DBA foe their banking and to receive funds from debtors claiming it is a separate accounting firm called "Berkshire Assets" in another attempt to mislead the debtor into the belief that it is a part of another larger legitimate organization when googled.

With the reconstitution of the Delta Group now known as the Fortis Financial Group. The illegal practices that were supposed to be in the past came back with a vengeance.

The accounts that are being dunned are all out of stats. Providian National accounts. People are being threatened and harassed daily by the remaining staff at Fortis Financial group.  They have routinely refused to stop calling numbers know to be wrong and continue to engage in practices that violate the FDCPA.

The required notification letters required by the FDCPA are not being sent prior to the start of collection activities. Requested letters of verification of the debt routinely are sent out with dates indicating the debt is still in status. Validation of debt letters establishing the original debt and the accounts provenance are ignored. Request for the address of the company and it's owners denied.

This company is well on the way to providing more headaches, heartburn and harassment of people who are neither the debtors or remotely responsible for the original debt.

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... Delta Group