Oliver Davis answers immediately upon call- Red flag.  No automated message. Doesn't say that it's an attempt to collect a debt.  Website only has PO box- Red Flag.  Threatened me repeatedly that I needed to call him within 24 hours "or else". and continually told me that he knows where I work- each time I responded "and you do not have permission to contact me there, i am not allowed personal calls".  Called me a thief and a liar ( I know I owe money- not proud of it- but I am paying many agencies back and getting huge chucks of my collections paid off).  He promised to EMAIL me a debt verification letter- I told him i needed mailed, he refused and would only email one. He said it should be in 4 hours- 36 hours later... nothing. He called from 302-321-6072 and only answers with his first name. Told me about an "interest" charge and wouldn't disclose which company it came from.  

Called original creditor and they said it was sold to a different company- NOT SMITH AND COHEN!  I have placed a call to them to verify status of sold off account. and was sold WITHOUT the additional interest.

Please do not give him any personal information. I believe he pulled my credit report and may be calling based off of debts on the list-- and that he is NOT actually a legitimate collections agency!

Where can you locate this information?

Smith & Cohen has been sued in federal court for its debt collection practices.  According to a recent filing, the name of its owner is Kieran O'Shea, also known as Kerry O'Shea.

I received several calls from this number but I could not understand the name of the person that the auto dialer was asking for.  I called the number back and politely explained that I was unsure of who they were trying to reach.  The lady was extremely rude to me and when I said that I would relay the message but since this person is a relative and does not live here to please stop calling me, her response was, "I will keep calling you.  She left this number".  I told her that there wasn't any need to be rude, I was trying to understand why she was calling me.  She yelled I will call talk to you tomorrow and every day about this case.  Since when is a family member's personal financial business, my business?  Filing a complaint.

Preying on the ill informed is as criminal as your accusations are. This company practices bad debt collection practices and this is REALLY again the law. The rules they break are grounds for them to be sued under the FDCPA laws. If you have been harassed by this company you may be eligible to file a non if it'd civil suit against them yourself. Www.creditinfocenter.com. become educated about your consumer rights. You have many#! Now let's see how many people you burn after they are armed with education. Oh yea,  and cover ur but because you already have one informed Co tact that I documentation you have broken rules with. I'm coming for you.........

"...everyone on here just complains about how nasty bill collectors are..."  - actually, no one said anything about not paying the debt if it is valid and the caller mails proof that they can collect said debt.  It's called the FDCPA and is one of the many rights Americans have.  "..you all say smith & cohen is a scam when in reality everyone who has debt in their office are the real scammers..."  come again?  If you're saying the debt collectors' office are the real scammers, you'd be correct.

"..taking money from banks and not paying it back?  last time I checked that was called stealing.." BZZZ - wrong!  Debt is civil, not criminal, and people fail to pay back loans all the time for reasons varying from bankruptcy due to divorce or medical bills, to losing their jobs, to catastrophic disability.  Yes, some people do deliberately default on their loans - however, that does not give debt collectors the right to harass and try to circumvent the law - which is they can't collect a debt if THEY fail to mail documentation proving the alleged debtor owes the debt and the caller has the right to collect said debt.   And please do PROVE that all the posters here actually do owe a debt and have failed to pay it back.

"..pay your bills or all of you scumbag debtors will keep getting collection calls..."  Typical debt collector shill tactics - calling people scumbags.  Again, PROVE the people posting about these calls actually owes a debt to the caller - that's right - you CAN'T!  If the caller could prove it, they wouldn't be in clear violation of federal law - which, btw, means that the so-called "scumbag debtors" can take your company to the cleaners for multiple violations of the FDCPA.

Conclusion - you're a typical debt collector shill and not a very good one at that.  Thanks for playing.  Oh, and the more rants you post here about "scumbag debtors", the more people actually see you for the crooks you are.

How much are they paying you?

everyone on here just complains about how nasty bill collectors are... if you people would just pay your bills and stop being scumbag debtors you wouldn't be getting collections calls. you all say smith & cohen is a scam when in reality everyone who has debt in their office are the real scammers.... taking money from banks and not paying it back? last time i checked that was called stealing... but what do i know... pay your bills or all of you scumbag debtors will keep getting collection calls.

MS LENS ALSO CALLED ME THE OTHER DAY AT MY PLACE OF EMPLOYMENT AND THREATENED TO TAKE ME TO COURT IF I DONT PAY $609.75 BY THE 20TH OF SEPTEMBER 2014.. MY STORY IS ALMOST IDENTICALS TO JOSH'S.. OR THEY WOULD GARNISH MY WAGES!! THEN CHARGE ME FOR COURT COSTS AND ATTORNEY FEES!!! IS THIS REALLY HAPPENING? IS THIS LADY JUST A SCAMMER OR WHAT?? HOW DO I KNOW SHE IS WHO SHE SAYS SHE IS???

The following is posting for informational purposes only

Website    http://smithcohen.com/

Domain is registered by proxy, but on the home page it notes - "Smith & Cohen is a leading provider of debt collection services and we pride ourselves in our level of talent."

Address Provided

Smith & Cohen
PO Box 10645
St. Paul, MN 55110


Here is the BBB data on this outfit
http://www.bbb.org/minnesota/business-reviews ... h.1b3P11g5.dpuf

Contact Information
Principal: Travis Hill (Manager) -
(302) 565-4561
(866) 826-8432
PO Box 10645, Saint Paul, MN 55110-0645

Factors that lowered Smith Cohen's rating include:

They were rated an "F" with the BBB
   12 complaints filed against business
   Failure to respond to 11 complaints filed against business.
   BBB does not have sufficient information to determine how long this business has been operating.
   BBB does not have sufficient background information on this business. BBB made two or more requests for background information from the business. BBB has not received a response from this business and/or has not been able to verify information received from this business.

Can you prove it is their bill?  If so, can the caller prove they own it?  Can you prove they have taken any money?  Is your boiler room so low end they can't afford to give you a computer that doesn't have the CAPS LOCK broken?

Looking for trouble, LOL.  That is the funniest Shill post of the day.  Let me assure you that trouble has found you.  You should get off the Internet now, before your master in the boiler room finds out and takes away your crayons,.

LOL! The only reason you have a case of happy feet is because the skillet is getting to hot!

As Dirty Harry Said, "go ahead and make my day"  you shill!  Or in this case, ShillKill!  Replying to a 8 month old post..

JUST PAY YOUR BILL!!!!   ARE YOU A PRO AT TAKING MONEY THEN NOT PAYING IT BACK?

ARE YOU BORED OR JUST LOOKING FOR TROUBLE??

See my post above JT.. please file reports with the appropriate agency's listed!

My in-laws received multiple call from a Mr. Oliver Davis from this company, asking about my husband (he and his father share the same name), that he owes alot of money, etc.  I got the contact information and called him stating to stop calling my inlaws and to call us.  Mr. Davis did, stated that my husband had a checking acct that overdrew by $500 with US Bank from 06-08, from CA.  I asked Mr. Davis to send a written notice so I can review the info and he said that there's no paperwork just instructions and an acct # to go into any US Bank branch, speak to a mgr and discuss it with them.  Since there's no branch near where we live, I call the contact number for the US Bank accts recovery dept.  After explaining the issue and confirming that my husband, or myself, have never banked with US Bank, they stated that this debt collector doesn't sound right.  I left a msg with Mr. Davis stating that I confirmed with US Bank that we were not the ones responsible for that debt.  

The next morning, Mr. Davis spoke to my husband, who stated the same thing I did to him, that we haven't lived in CA in over 20yrs and this is not his debt.  Mr. Davis basically stated ' so that's how you want to play it' and threatened him with court and garnishment.  My husband said yes and hung up.

Please do file reports with the FBI, your state attorney general,FTC & FCC.. Also look up your states statue of limitations

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2

Also read up on the laws and your rights:

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf


Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."

These debt collectors called me about a bank debt from 7 years ago. Said they could settle it for $1600. They withdrew the money on the 15th BEFORE I even had a chance to approve the deal. It was a tentative date and they pulled it out anyways in two payments. My bank contacted me about the fraud. I called them and said this is fraud. She said I have your permission on a recorded line. NO you dont. She started screaming at me and hung up. I should have figured....the whole time we were discussing this, she kept calling me an over the road truck driver and therefore I was hard to reach. Why do you keep saying that I asked, "Oh, that is just what I told my bosses so I could get the deal approved." She admitted lying. These people cannot be trusted. Then when Ms Lenz gets mad, she forwards the debt to the Attorney's.....Mr. William Larkin. He is going to start further proceedings and therefore there will be court costs and attorneys fees tacked onto the bill. Now it is thousands of dollars more. He uses big words to sound like an attorney. What a scam these two are.

She is getting out of hand.  There has to be some way to shut her down.

Got a call that I owed a debt from 8 years ago from a bank which I closed the account on.  I called the bank and they said it was so long ago, they have no record of it. This company threatned to call my work and garnish my wages...is that even legal? No! I called around and even talked to another collections agency (whowere very helpful btw) and even said they dont look legit.  And she even advised me to not follow up with them and to file a complaint.  So I did.

This lady is asking for it. Calling me, my son, my daughter, on our cell phones trying to track down a friend of mine. I say class action lawsuit for harrassment people!!!! Just wait till I have a minute to call her back!! *UPDATE* HAHAHA I called this bi***, and laid into her, wasn't done ranting and she hung up. Feel I should keep calling back again and again, see how they like it
Read more at http://www.callercenter.com/302-231-2569.html#ycjqjbxZhUGeVQ7U.99

HAHAHA  I called this bi***, and laid into her, wasn't done ranting and she hung up.  Feel I should keep calling back again and again, see how they like it

This lady is asking for it.  Calling me, my son, my daughter, on our cell phones trying to track down a friend of mine.  I say class action lawsuit for harrassment people!!!!  Just wait till I have a minute to call her back!!!

mrs lens was very helpfull, i did pay back my debt and she made it easy to make payments, i had some bad divorce and she listen to me and wanted to help. i wish my other bill collectors were nice. they just hang up on me,my english is not good. but i tryed to talk to them and they hang up.

Mrs Lenz called my cell phone and work today and left a message saying that her employer, "Smith and Cohen Law Offices" has a case against me claiming that I have a debt of over $3000 but I can settle the debt for $1300 for a one time charge but has to be done before the 31st or this offer is voluntarily declined by me and I will have to pay $10,000 due to attorneys fees and court costs.

Mrs. Lenz also said that it was from a Bank debt from a bank in which I have never banked with. I questioned her about dates and account numbers then she acted like she couldn't hear me then hung up the phone.

Please report them to Federal Trade Commission 877-382-4357 abd atty general office consumer protection division...they are breaking the law

These ppl call family members and neighbors...If anyone is experiencing harrassing calls from Ms Lin at Smith and Cohen..please report the company to Atty General Office Consumer Protection Division  and Federal Trade Commission 877-382-4357.. They are breaking the law by doing this.

Said she called my parents and friends and neighbors!