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