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 simply 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
Phone: 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/John Paul Nicolia, Attorney  I got a call from this lady saying she was calling on behalf of the law offices of John Nicolia 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 with John Nicolia 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 and Attorney John Paul Nicolia about threats of a pending lawsuit. In a check of several states, we did not find any state where Ethical Asset Management or John Paul Nicolia, Attorney at Law (NY BAR#2375566) was licensed or bonded. One could assume they are an illegal debt collection organization. If you believe that you are being threatened by employees of Attorney John Paul Nicolia 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  Enhanced Recovery Corporation 8014 Bayberry Rd., Jacksonville, FL 32256  just saw where another person was called by these people. I came home and noticed that my voicemail was on and had someone hang up after my message was completed. I checked on an 800 verification web site and found who they were. They have called numerous times and yet never sent anything to me regarding the issue. I am mailing a debt validation request via certified mail today to end this.

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  ERC Collections / Enhanced Recovery Corporation 8014 Bayberry Rd., Jacksonville, FL 32256
They use a NY Phone exchange but are located in Florida. Old Debt Buyers that try to Harass you into paying a debt that has been discharged over 15 years  Jacksonville, Florida – Corporate Headquarters
8014 Bayberry Rd.,  Jacksonville, FL 32256   Toll Free: (800) 617-0049  info@erccollections.com   jobs@erccollections.com

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   Enhanced Recovery Solutions     These people are starting to completely get on my nerves. I am not sure if they are ER solutions or Enhanced Recovery Solutions, every time they call illegally I get either name with the same phone number? Humm? I'm sure that is a violation of FCPA somewhere.

At any rate, I wrote them a Cease & Desist and a proof of validation asking that they please stop all communication. Well, they are walking right thru that letter. I get at least one call from them sill, daily on my cell phone.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

September 2008   Superior Recovery Services & Associates  Vineland, NJ

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

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

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

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

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

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

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

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

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

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

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

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

COMPLAINTS HERE

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

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

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

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

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

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

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

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

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

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

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

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

August 2008  Midwest Litigation Consultants  Information coming soon.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

July 2008    Jef Booth & Associates, now known as Attorney Jason Head     see www.giovelawofficeexposed.com

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

June 2008 UNITED PROCESSING INC.  JACKSONVILLE, FL

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

May 2008   J C Christenson and Associates

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

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

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

May 2008   I C Systems

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

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

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

May 2008   Nelson, Watson & Associates, LLC

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

May 2008   Jormandy LLC

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

Also, another response to the All Agencies Everywhere comment:

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

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

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

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

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

May 2008 Response to  "All Agencies Everywhere"  April 2008

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

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

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

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

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

May 2008 Pentagroup Financial

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

May 2008  Paul Law Offices, Salt Lake City

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

May 2008  Professional Recovery Associates, Inc.

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

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

May 2008  Sunrise Credit

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

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

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

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

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

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

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

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

May 2008  General Audit Corporation

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

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

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

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

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

May 2008  First National Collection Bureau, Inc  Sparks, Nevada

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

May 2008  Credit Bureau of the South, Shreveport, LA

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

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

May 2008  Ross & Newman

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

May 2008  A Collector Speaks

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

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

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

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

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

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

May 2008  Burgess Law Firm -  updates at www.giovelawofficeexposed.com

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

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

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

April 2008  Law offices of Stephen R Kopolow P.C

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

IC Systems  April 2008

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

IC Systems  April 2008

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

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

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

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

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

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

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

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

April 2008  United States Collection Agency  -

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

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

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

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

April 2008  FMS

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

April 2008  Accelerated Financial

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

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

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

April 2008  CBE Group, Inc. Waterloo

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

April 2008  All Agencies Everywhere

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

April 2008  World Wide Recoveries

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

April 2008  DMK & Associates

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

April 2008  Roquemore & Roquemore, Dallas, Texas

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

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

April 2008  Stillman Law Office, Michigan

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

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

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

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

April 2008  Norfolk Financial Corp.

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

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

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

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

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

Norfolk Financial Corp. 1725 Mendon road   Cumberland RI 02864


Norfolk Financial Corp.  2130 Mendon road   Cumberland RI 02864

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

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

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

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

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

April 2008  Northeast Credit  AKA Commonwealth

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

April 2008  Vericore

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

April 2008   

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

April 2008    Farris & Utley PC - Tyler T. Todd

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

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

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

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

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

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

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

xxxx
xxxx
Madera, CA. 93637

To Whom it May Concern:

Re: AFNI Account #xxxxxxxx

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

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

As I am sure your legal department is aware, there exists a statute of limitations in each of the 50 states for a junk debt buyer or collection agency such as yourselves to report, collect debts and/or bring suit against debtors for alleged debts.

In my home state of California, the statute of limitations is as follows:

Open accounts – 4 years from date of first delinquency
Written contracts – 4 years from date of first delinquency
Oral agreements – 2 years from date of first delinquency
Promissory notes – 4 years from date of first delinquency

As you can plainly see from the date on the “billing statement” you provided to others but never validated to me, you are far beyond the statute of limitations for collection and or obtaining a judgment/bringing suit. Since this alleged debt is clearly past the legal time frame for continued collection activity, you will cease any further contact with me.

As a result I must insist that you:
-Delete any and all records of this alleged debt from your system
-Do not contact me any further by any means whatsoever
-Do not sell, transfer, assign, or share any information about me or this alleged debt with anyone else
-Do not provide me with a IRS form 1099-C
-Do not report this false information to any of my credit bureau repositories
-Send me a signed letter that releases me from further obligations

Thank you kindly for your “attempt to collect a debt.” I trust that I will not be hearing from you any further. If you do not comply with my requests listed above, I will have no choice but to bring suit against your company in the State of California, County of Madera.

Being the reasonable people that you are, I will assume that you will realize that a Time-Barred debt that your company probably paid less than $9.00 for is not worth the time and expense of a court case, and you will comply with my requests.

Thank you very much,
Concerned Consumer

NOTE: This is an attempt to make a debt collector obey the law. Any information obtained, will be used for that purpose.

Vincent P. Cignarale

For over a month now I have been receiving several phone calls a day from various phone numbers. They leave a pre-recorded message stating they are from the law offices o Vincent P. Cignarale, and that it is in regard to a legitimate debt (blah blah etc...)

Today I had the displeasure of actually answering a call because it came from a new number - 716-651-0256 - which I mistook as someone I knew.

The man who I spoke with identified himself as "John Wesson", and since I told him I wasn't home, he asked that I call back at 866-878-5796 x326. When I asked him to elaborate on the reason for the call he stated "we have a file here in the office that directly concerns him". He chose not to provide any additional information.

As far as I can tell this stems from my idiotic decision over a year ago to take out a "payday loan". As a result of that loan the alleged payday company began taking unauthorized amounts out of my bank account, forcing me to close it completely. Months later they began calling me at my place of work telling our receptionist that the FBI were on their way to arrest me, and so on and so forth.

Now apparently this has gone to Mr. Cignarale, as I can think of no other debt that would fall into his hands.

I just thought I would give you some updated phone numbers in the hopes you can continue to educate people about this psycho.  (Pete has his own page at www.giovelawofficeexposed.com )

Delta Group, Evans Law Associates and Quadrant Group

these agencies are all one company. A select few of the people there are decent and try to work within the law. Most are pressured into using tactics that would give the devil nightmares.

their hiring practices (firing practices) are just as unethical as their collection practices. Careful folks there are new names and offices in the works to cover their tracks.

CMS - PROLINE SOLUTIONS - NMC - NCO

 I am conflicted with your site. On the one hand, I have had financial problems in my past that caused me to deal with some pretty nasty collectors. Their tactics are aggressive, rude and many times intimidating. Most of us REALLY would prefer avoiding these types of people and their associated methods. BUT, people do borrow money (credit) and promise to repay and don't. Many times there are very legitimate reasons for default on credit cards, over-drafts on checking accounts and associated credit instruments. But, can we really blame the credit lender for attempting to recoup what was lent by them to the borrower.

Here is my conflict. It appears this site provides an open forum to say all debt collectors and their associated agencies are somehow infringing on a borrower's right. What does the borrower expect the lender to do when they default on a promise to pay? In very real terms, a lender provides MANY opportunities to the borrower for correction of debt before it is charged off and sent to a collector. Past due statements are sent by the original lender asking for payment and/or a request to the borrower to contact lender and discuss financial hardships. People do become resigned when their financial burdens seem too difficult to overcome and at that point the real problems start. The lender gets no response from the borrower over many months of attempted contact and charges off the account as non-recoverable. Now the collector comes in.

I wish people would manage their credit accounts responsibly. It is a given that banks and credit card companies "target" new clients on a variety of levels. Some of the target markets are first time credit borrowers with a lot of "backend" potential and others are past borrowers that defaulted and are offered new credit with significant upfront fees and REALLY high interest. It is a predatory business but people NEED to think before they act.

My message is pretty simple. LIVE WITHIN YOUR MEANS. If you are provided credit, accept it if you need it and can afford it AND make good on your promise to repay. IF YOU ARE OFFERED CREDIT AND KNOW YOU CANNOT AFFORD TO REPAY REFUSE THE OFFER. If you don't accept this advise, please stop complaining when the collection calls start coming.

I DO NOT CONDON THE PRACTICE OF RE-SELLING "PAPER", ESPECIALLY WHEN A "SETTLEMENT" OR "AGREEMENT IN COMPROMISE" HAS BEEN REACHED WITH A COLLECTION AGENCY ON SPECIFIC DEBT. I DO HAVE COMPASSION FOR THOSE OF YOU WHO ARE DEALING WITH COLLECTORS AND CANNOT AFFORD TO SETTLE OR REPAY THE DEBT. THE FACT IS, YOU ARE A COMMODITY THAT CAN BE PURCHASED AND SOLD. NONE OF THE COLLECTORS YOU SPEAK WITH TAKE A PERSONAL POSITION TO YOUR PROBLEM. IF THEY COLLECT MONEY FROM YOU, THEY COLLECT A COMMISSION FEE. IF THEY CAN'T COLLECT YOU ARE A IMPEDIMENT TO THEIR WEEKLY BONUS. IT IS JUST A BUSINESS. PERIOD. AND IF YOU THINK YOU HAVE BEEN MIS-TREATED, CONTACT YOUR STATES ATTORNEY GENERAL TO COMPLAIN.

Student Loans

I must respond to comments that make the Dept of Education seem invincible. They are not. Since the Dept has decided to use private collection agencies to collect their loans, then the FDCPA law applies to them. So the Cease-Comm letter applies. Also the only contact with relatives must be only to locate alleged debtors who they cant locate. If they have your address and phone but you tell them to not contact you they cant contact anyone else claiming to look for you since they already know where you are. They also cannot contact your employer if you tell them this is not allowed at your place of business. As for wage garnishments, they must send a written notice and give you a specific number of days to respond and grant a hearing if requested. Allied Interstate has garnered a big contract with the Dept of Edu because they have previously been able to collect a large amount. But their collection tactics are typically outside of the law which the Dept claims they will not tolerate collectors who violate the law. Yet they do. Who is the real criminal here, the collector who violates the law or the govt agency which tacitly condones their behavior?

RGM & Associates

Rgm & Associates   5824 Library Rd   Bethel Park, PA 15102   Phone: (412) 854-5874 Please add these dirt bags to your list on your site.

Audit Systems Clearwater Florida

These boneheads...they've been calling my mom at her new residence now for several weeks trying to "verify" an address she used to live at. When she pressed them as to who they were, all "Latisha" would tell her was that she would discuss it as soon as my mom verified the address...btw, the address they were attempting to verify is MY home address. (I've since told my mom to accept the call, "verify" the information, get the account # and information and we'll send the Cease Comm.)

So without hesitation, I got the 800 # from my mom and called them on a Saturday. Their VM said they are in operation on Saturdays. NOT TRUE. Anyway...I managed to accidentally access their voice mail system and set up a VM account on their system ( I know...what a stinker.).

Anyway...I called them on Monday morning, February 18. I spoke to a girl who identified the company as Audit Systems. I asked her if they were a collection agency to which her reply was that was privileged information. I then advised her that under the FDCPA if she were questioned about it she needed to be forthcoming about who they were. She stalled for a moment then admitted that they were indeed a collection agency. She asked me for my name, and I gave her just my first name, Ray (you can print it...I have nothing to hide). I then asked her for their physical address. She began to stall again and asked me my name once again to which I replied that it was unimportant. I politely advised her that in Texas we don't have to advise the other party on a telephone call that the call is being recorded, but I was doing so and that it would be in her company's best interest to give me the address or risk being investigated by the FTC and FCC. She put me on hold...I thought she hung up...then she came back on the line and gave me an address of   Audit Systems   3696 Ulmerton Rd., Ste 200  Clearwater, Florida 33762

I thanked her for the information. She again asked me for my name...I told her it was Jerry Jones and then hung up.

Stick to your guns with these knuckleheads. Advise them your are an informed consumer and that you will not be intimidated by any of their illegal tactics.

Collector Speaks

I am a collector and don't believe in breaking the FDCPA. I do believe that you can make a career out of collections, whether you work for a bank or a collection agency. The bottom line is that people need to stop spending more money then they make. This is why are economy is struggling the way it is. Credit card should be used to establish credit but should be paid off every month. If you cant afford to buy it god forbid we as a consumer try to save the money and then buy it. I do understand that sometimes things happen, but then again if we save some money maybe that lost employment or what every did happen would be a softer blow financial. I think on you web site maybe show people how to get out of debt or show how to avoid getting into the situation at all. I also speak to people who file tax exempt all year and owe the IRS thousands of dollars and if you ignore them take what they want when they want. People need to get back to the basics like our grandparents did, which built our country to what it is today. The baby boomers are the one's who have changed the world to the materialistic world it is today. What is the difference between a shirt from Wal-Mart the cost $15.00 and the same exact shirt from Banana Republic that cost $90.00. Everyone needs to take a step back in life and see what they are doing and hold themselves accountable. If you want too help most people in this world try and help them identify the problem of spending and they don't need 10 credit cards, know your limits in life. I hope this does make it to your site, but I am sure it wont only the negative things do. That is what sells and that is what people feed on now. 

ProLine Solutions

Over the past few weeks, I have been receiving phone calls from "ProLine Solutions." The caller id shows it to be from an “Unavailable” at 716-304-6350. I checked the area code and SURPRISE! It’s from Buffalo, NY. The caller leaves messages in a strange, raspy voice and begins with slowly saying "this call is for you" (and then my name). He says his name is “Chris.” It's really kind of creepy. He then says to contact him at 800-518-4950. Each message is the same, and every time I can hear about a dozen people talking in the background and some are laughing. I have been waiting to receive some sort of correspondence from this company in the mail, so that I can send them a “Cease Communication Letter,” but I have yet to receive anything from this company other than odd voice mail messages. I checked online and I found quite a few reports of people who have dealt with this company over the telephone and they all say they are extremely rude, insulting and demeaning. So, I will definitely NOT be answering my phone when they call. My question is, can I send a “Cease Communication Letter” without having received any paperwork or other correspondence from them, other than phone calls? I just went through quite an ordeal dealing with Aurora Gold & Associates last year, and I just DO NOT want to start this again with another debt collector!

Tyler and Morgan   

Some new agency in Tampa, FL which I never heard of making the usual threats against my property and assets. Claims to be a Law office even left it on my machine. At first I believed them because I never heard of them and I live in the same area . They told me that Bank Of America was suing me. When I contacted Bank Of America they had no knowledge of it. I wish I wouldn't have erased the message or recorded the conversation. I got an attorney because of their threats. He told me they broke the law and I could have taken them to court and won big since I didn't have any evidence that there is nothing that can be done. I advised him that they even contacted my relatives he said that I needed proof. We did more research on them and found out that they aren't even bonded in the state of Florida to even do business these people are some low lives if they call you or leave a message make sure you document everything and record every conversation and sue their pants off.

FirstSource Advantage   

Oh my gosh! They are calling my parents too and I am over 40! My parents are elderly and it is in clear violation of the Fair Debt Collections Act as they told them it was to collect a debt or be sued! I filed a complaint with the Federal Trade Commission, not sure what good it will do but I will continue to fight for my rights no matter what it takes. I met with an attorney and my next step is to file for harassment.

Financial Asset Management Systems   

Looks like Jerry Hogan, a former Nationwide Credit honcho, has taken over for a company called Financial Asset Management Systems with head offices in Georgia. Same tactics, different name. First contact is by phone. No mail from these folks. I will not answer the phone and I will not be intimidated into giving any personal information.

Black, Goldman & Associates, LLC    

This is an agency owned by an Edward Bednarz and supposedly his wife, out of the Ellicott Square Building in Buffalo, New York. He states he is an LLC agency and is licensed in the City of Buffalo and New York State and has pending licensure in other states. He has none of these. He has no LLC or licenses to collect anywhere. His company tries to collect by intimidation when they have no real power to do anything. He is a low-life, scum-sucking, bottom feeder who not only tries to bully people in the general public for money, but uses employees and fires them when he cannot afford to pay them. So when you do call there, there is never the same person to speak to. You are told they are no longer with the company. If you are a consumer - just hang-up on him and his goons. If you are a collector - BEWARE - this is an employer who makes empty promises of money and percentages of his company just to try to keep you working till he fires you without paying you at all. 

F.A. Management Solutions   

F.A. Management Solutions is represented by its corporate operative, Attorney Hugh Brett Shafritz.

Hugh Brett Shafritz    Address: Shafritz and Braten Pa    25 Seabreeze Ave Ste 400
Delray Beach, Florida 33483-7038     Phone: 561-278-7828
Fax: 561.2788658    E-Mail: hshafritz@aol.com

All you need to do is read on the internet about this firm, they are well noted for their fraudulent collections scams. They sent me a collections letter demanding 1/2 for a debt that was consolidated and paid back in 1999 early 2000.

Reliant Capital Solutions, LLC    

Bill Landis will call you and yell stating if you would pay the debt he would let you talk to anyone even the manager. he is rude and obnoxious and so is the owner, Margie Brickner. they are not willing to negotiate only pursue judgment if you don't have the entire amount due.

Pressler & Pressler    

I've been in a back & forth with Pressler & Pressler since mid-summer 2007. The first contact I had was a Subpoena for claim they filed on behalf of their client. A client I'd never heard of, heard from, dealt with. Having been a long-time reader of this site, and having been to this 'rodeo' before (1 loss, 1 win) I knew how to play the game. I responded to every single request (according to the Law), and cc'd the court each step of the way. Pressler & Pressler has failed to provide 'any evidence' of a legitimate debt they claim I owe, they sent the usual vague fax copies of blank 'debt sale' letters, etc. Nothing with my name, signature, date or account details on it. I've sent counter requests repeatedly asking them to VALIDATE their claim...they reply with the same docs , a different dollar amount being claimed, and more threats'. They have 'postponed' the original hearing date 3 times, needing more tiem for 'discovery', the court has approved each request immediately. The last scheduled hearing date was set at 11/29/07. Last week I got a new letter from Pressler & Pressler, a copy of a Motion they sent to the court requesting that they 'dismiss' my objection to their claim. I was preparing my reply when I received a postcard in the mail on 2 days later, from 'the court', telling me thay had already set a date to hear Pressler & Pressler's request to dismiss, and that I was 'not to attend' that hearing. Apparently they don't need or want me there to complicate their plans.
As has been reported here before Pressler & Pressler are in cahoots with certain judges and or attorneys in the State of New Jersey, so I was not totally surprised to get the 'quick' court notice telling me to stay away on the 14th. I still plan to send my latest response to the court, but I expect they will decide against me anyway, never even giving me the courtesy of hearing my side of this case. American Justice. isn't it grand!

Gault Financial     TN

This agency showed up on my credit report without ANY correspondence, calls or any communication on a debt from Household Bank over 4 years old. We weren't aware of any collection on this account until we were served by a process server for court. I immediately contacted an attorney , who has notified them of my representation, and they ignored that letter and contacted me to notify me that the court date had been postponed, which violates a client/attorney relationship. They have not responded to my attorney's requests for documentation of the debt and amount, now almost 2 months later. This agency is basically attempting to bully their claim. Beware!

National Recovery Solutions LLC

in august I was contacted by this company stating they are NRS and will sue me if I don't pay my radio shack bill from 8 years ago! I told the man a Mr. baker that it was past statute
and I don't have to pay this. he told me they own this and will sue me if I don't pay today. again I tell him that I don't have to. he says I will see you in court and hangs up. I go on the web looking for nrs. I find a company and call them about what Mr. baker said to me and they told me that they don't have radio shack or any thing like that. I get another call from a women who says her name is Kim and is telling me the very same thing about court. I tell her about Texas law and then she just attacks me telling me that I steel and even called me a bitch and hung up on me I have all ready contacted my attorney general and will be filing a law suit........thank you Mr.. Hibbs for letting me warn people about these dirt bags!!

National Recovery Corp  NRC

They said there would be a subpoena sent to me in 24 hrs if I didn't answer by a certain time. But they did say the judge but told me I could not get in touch with him though the telephone directory. They did leave this message on the telephone recorder.

Retrieval Masters Creditors Bureau Inc

Having sent request for verification ltr to Pinnacle Credit Svcs, Pinnacle has now turned this acct over to Retrieval Masters Creditors for collection. Have not received verification of debt as of this date. The account is for a Cellular 2000 wireless account that I have never opened. Am considering suit under US CODE TITLE 15 CHPT 41 CONSUMER CREDIT PROTECTION   Retrieval Masters Creditors Bureau Inc 2269 S Saw Mill River Road Bldg 3 Elmsford NY 10523 (914) 592-0055 (800) 666-8097   914-345-5023

Financial Crime Division of the Banking Institute

Seriously - that is who they say they are. The Criminal Financial Division of the Banking Institute.

I am not sure who these "gentlemen" really are - but my best guess is they bought an old "debt" of mine and are trying to collect. They leave messages with numbers to call back that are not valid and each of the men that call tell me (as best I can make out as they all have heavy foreign accents - Middle Eastern, I think) and speak very broken English - that I am being charged with three serious crimes - and best I can make out from the conversations due to their limited English, they have "submitted papers to my county to have my arrested" and ask me if I have ever been picked up. (Yes - have my arrested - not a typo!)

I repeatedly ask these "gentlemen" what debt they are trying to collect, what the name of their company is, etc., and they get irritated and ask me why I am asking them all these questions or they just plain refuse to answer. One time I did manage to get through by phone and they answered "Front Desk". When I asked front desk of what company, they replied that they were the front desk for many financial institutes and attorneys in the building - and all through the conversation you could hear others in the background threatening to "legally pick up" the parties they were speaking to.

I am just wondering if anyone else out there has gotten calls from them and if they have been able to find out who they are? The area code from most of their calls (according to the numbers they leave) is 517 - which in Michigan is the the area code for Lansing - also the state capital. I'm sure they are just another "bottom feeder" company but I would like to know who I am dealing with!

Westbury Ventures

William Davis has e-mailed me some of the nastiest e-mails I have ever read. He calls me a thief and says all kinds of things about my character. I have saved every one of them. He is trying to collect on a debt that is 4-5 years old he says. I don't recall the name of his company, Westbury Ventures, but recently I have read some really bad things about them. They say I have a payday loan of $200 but are now wanting around $1000. I sent him a cease communications letter three times. He leaves messages on my home phone. I have requested to see the original information on this loan but they do not provide anything. He says I am ignoring a debt I owe, but he can't even show me the proof. He continues to call anyway so I reported him. He even called my work after he received these cease communication letters. I don't know how he even got the number. He and his company need to be added to the worst collection agencies.

Sage Law Offices   

I just received a call from "Sage Law Offices". On answering the phone, I asked who was calling, and the woman just gave me her name, not stating where she was calling from until I told her it was the person she was looking for. I asked her if I could help her, and she started with "we are a law office that is trying to settle a debt". So I responded with, "so you're a debt collector?". To which she promptly replied "no, we are a law office". I asked for a validation of the debt to be sent to me to which she replied "so what are your actions going to be to settle this debt when you receive the paperwork? Are you just going to throw it into your pile of unpaid whatever?". I was appalled! The only thing I could say was "When I receive the paperwork I will decide on what to do". She was trying to be very intimidating and succeeded at being extremely rude.

Laurance A. Hecker    

I had a run in with this company in October. It was crazy. These people are awful. They called about a discover card  from 1991,last activity was April 2001. I told them I do not owe anything to discover and questioned why all of the sudden I was being contacted after 17 years. Susan Miller couldn't answer, so  Phillip Tide got on the phone and automatically said, you are not willing to pay this debt, I understand, then fine, we have the court papers drawn up and you will be served. While that is taking place we will have a sheriff come to your house and you will be arrested. He continued to yell at me louder and more vulgar and more threats of having me arrested, and taking my house, garnishing my husbands wages, etc.  He gave me 4 choices, full amount by phone with a check or credit card, or various payments. I asked him to let me call my husband about this matter. He said, I will wait. I said, I need to hang up in order to do this. He said I can call him right now and we can have a 3 way conversation. I said no. He gave me all my choices again and to make a long story short, I settled with the $2300 in fear for my husband. BUT the credit card in which I gave him only has my name on it but it is my husbands account. Anyway, he said he was going to send me something in writing stating that it was paid in full after receiving the money from the credit card but also another letter THAT I HAD TO SIGN FIRST saying that I let him use my credit card. Well I wasn't going to sign it and I told my husband about this and called the credit card company right away to stop any payment that will come up with their name to them. The charge went through already without the signed paper. My husband disputed it and told them that he didn't authorize this charge and they weren't aloud to take the money out until that paper was signed, told them the story about how I was threatened into this that they told me they were going to arrest me and go after my husband, and that he had the paper there that he had to sign and is not going to and so on. The guy told my husband, oh no they will not get this money and the money will be back on your credit card and they are disputing the matter.  NOW I have another company calling me about the same "so called debt" but this one is over $4000 for the same thing. These people that are calling now will not give me their name, will not give me the company name or anything. It comes up on caller ID not provided. But the number is 866-756-3912 and I can't find who it is anywhere. When I asked them who they were calling for the woman yelled at me and said stop yelling, I didn't yell at all I simply asked, who are you calling for? She hung up on me. These people are calling me 1 to 2 times a day and calling everyday. I have been logging all their calls and writing down if I answer the phone or not, and what was said when I answered the phone, and the time and dates when they called. They will not leave a message on the answering machine either. I wanted something recorded. 

IQOR    

I also just left this company I am a very good collector, without being abusive at all, I left this company because one of the companies team lead was making racial remarks about Spanish people. "Why do "they" come here and steal our money learn to speak English" this where her words not mine. I was greatly offended as, I have informed them of my own Spanish descent. I had only worked there a month and was sitting at an 8.1 in fee with just 26 hours this should say how good I am. I quit that moment and left. After calling the corporate office that did nothing. the next week when I should have received my last pay and my bonus I wanted until the eon to quit. my ck was cut in half they said it was a mistake and would mail a manual ck and they did 1 week later. Just spoke with them today about where the bonus ck is said it was just mailed from ny on thurs and it’s still not here. Bank of America and the student loan dept of our government is there only client aside from target that just started this month. They should pull out as this company has no honor they are willing to stick it to their own employees so what do you think the collectors will do to consumers, the on ray of light in IQOR is the hr dept and they get stuck dealing with all of the crap that IQOR creates

CC and Associates

They called my brother's cell phone saying I had legal problems. I called them at 1-888-816-6552 and spoke to Gary Miller (no, not the congressman) he was extremely rude and got nuts when I told him that the account he was referring to wasn't mine. He said he was going to send me to jail that the police was going to come to pick me up and hung up. I called him back and he threatened to sue me for harassment!!!!! I laughed and he got even more upset.  Anyway, how can this company still exist??? This company is a joke!

Jackson Phillips, Inc.

My employer was contacted and told I was being charged with Federal charges and needed to contact them immediately. I called and was told this person was a Federal agent and I had committed extortion, fraud and numerous other federal offenses and that an officer was en route to my house to arrest me.  I gave them my credit card number and faxed back permission to charge my card $200 and to pay the reminder on 11/1 of $550.  I explained to her I did not have a clue what she was talking about but wanted to resolve the matter.  She told me I was not able to practice and that my license were on hold.  After faxing the consent went online to research and found this was also BASS and now fear I will lose my job.  What has this government come to?  Federal agents dropping charges over the phone for 2 easy credit card payments!  One recording would have made you a very, very rich person.

Claims America

Here’s another pile of crap to add to your BAD collection agencies list. The name of the company is “Black, Goldman & Assoc. LLC” located at 295 Main Street, Buffalo NY 14203 Suite 1053 Phone 716-847-2410. They are so clueless as to the collection laws that they are operating without a license for any state or municipality. The scumbag owners of this company are Edward Bednarz CEO and John Harper President. Please help us make America aware of these lowlives. God bless and thanks for your assistance.