Well, Goins is at it again - this time with a "new" company, "IAM" - and a new number - 425 949-5930.  **DO NOT GIVE THIS CRIMINAL ANY OF YOUR MONEY!*  It must be SO easy to beat the system in Washington state. REFER ANY CALLS FROM IMR, or now IAM, to the Washington State Police.  Read all the previous posts - this is Randall Goins, known and convicted CON MAN and CRIMINAL

received nasty toned message (illegal) from Nora White re: Gregory Schoonover (not here) Caller ID is 425-670-8405, but will not ring through - gives "disconnected " message.  "Contact immediately regarding legal action on ase # PA90488980 - Got to be a scam.

http://www.kirotv.com/news/news/crime-law/wag ... nHcrx/#comments

Please be sure to keep all recorded messages and records of calls, as much detail as you can. Hopefully the AG will help you. The BBB is not really for this type of complaint, all they will do is send a letter to the company and the company will either respond or not (guess what this company will do? lol). The FTC is likely to respond also, but they may take a bit longer.

My suggestion is to NOT talk to them at all, let it go to voicemail and let them leave messages that you hold on to. If they don't leave a message, write down the time of the call and the caller ID number that shows up. That is all ammo that you can use against them.

Be assured they can DO NOTHING to you, despite their lies. Please don't worry about it, because I promise you they are lying, and even if this is a debt that you at one time legitimately owed, you have no obligation to pay it now. You can choose to pay, but why pay this company? They paid pennies (or less) on the dollar for your debt, so anything they get is profit. Anything. And any payment will start the statute of limitations over again and then you can be sued. Just let the AG and any other regulator, and hopefully private lawyers go after them. Although my research shows that the company owner has been a judgment debtor many times, and all of his "assets" are probably not legit. What needs to happen is he needs to go to jail and his employees need to be banned from being associated with the collections business for life.

The employees of this company may not know that they can be HELD PERSONALLY LIABLE for their violations of law, even if they use an alias. Get with it people, you are breaking the law.

Good luck and good health, Melon.

Have been harassed by several creditors from this company for the past several months- for a credit card that is at least 15 years old.  They say they are 'paralegals' or 'compliance officer' and that they are not 'privey'  to the FDCPA.  If anyone is seriously interested in doing a class action suit, submit a  comment here. I have retained a consumer lawyer and will look into this. There are other numbers they have called from. So it is not just us but many others. This has affective me emotionally and physically. Time to be pro-active.

I have been being harrassed by these people for approximately 6 months.  I did speak to several people there to explain that I am unemployed and have no way to pay any bills.  They won't even tell me what I supposedly owe this money for.  They want me to borrow money or get it any way I can.  I have reported them to the BBB and the FTC and called the Attorney General office in Washington state.  I am glad to find an address here because that is what the AG's office wanted.  I have 7 messages I left recorded on my answering machine plus records of others.  Any help you can give me to stop these people from harrassing me and other people would be greatly appreciated.  I am going through enough medical problems currently and don't need to be harrassed by this crap.  Thank you.

PS... putting your name on the DNC list does not stop these guys - that is for telemarketers. Note that this company does NOT play by the rules. They lie about the last activity date of the debt, they give incorrect account numbers, they give incorrect info on what they can/will do to you!

They can NOT sue you. The original creditor likely does not have record of the account anymore due to the length of time that has passed, things purge after 7-10 years. It's not likely on your credit report anymore, if it's even your debt. It is likely that it is not, but it may be, but it's VERY old. Once a debt is out of statute (varies by state) they can no longer file a lawsuit, or threaten to do so, and the only thing they can do is convince you to voluntarily pay. If you make even a $1 payment, this re-starts the statute of limitations and makes the debt available for your credit report again. They do not send letters as legally required. They are not licensed as a debt collector (about half the states require this). They are violating the FDCPA (15 USC 1692), the FTC Act, UDAAP (unfair, deceptive and abusive acts and practices), as well as state collection laws. This is likely considered fraud and likely more due to the lies and intimidation used to convince people to pay.

Please advise if there is anything I can do to help anyone who wants to sue or pursue with regulators. I am happy to spend any of my personal time in this, because this makes me sick. I know this business and the laws!

Please sue them, but don't make it an individual claim, do a class action. Complain to the Attorney General, the FTC and the collection agency licensing authority in YOUR state (not theirs). I have received calls from them too, also on a debt that is way out of statute. I have been in the collections industry for 20 years, these people are criminals and give the industry a bad name. It is a LIE that they have filed anything against you, because they cannot. Their current name is IM&R, Investment Management & Recovery, though the WA state corp commission has no record. I have been doing research for my own crusade against their fraudulent and illegal activities and the more people that bring heat against them, the better.

Current address = 29105 64th Ave, Suite 200
Mountlake Terrace, WA 98043
Company "president" and owner = Randall Goins. Google him... interesting.

I will check this site again for updates. Do not talk to them. Let them leave messages so you have that as ammo. Or record your calls with them (check your state law if 2 party permission is needed first). Take detailed notes of all contacts, including names, caller ID numbers, lies that they tell you, etc. Do NOT make a payment, that is the ONLY thing that can re-start the statute of limitations. Do not listen to the lies they tell, they are criminals.

Good luck. And when I say I've been in the collections industry for 20 yrs, I mean I started as a collector that many years ago and worked my way UP, so I truly know the (real) laws. ;)

It does appear to be a scam.  Go online and put your phone # on the national do not call list.  I just did that for my Dad who is being called by the same guy.  It could take up to 31 days for the calls to stop, but they will stop.

Julius Romero-425-640-0105 has been calling my elderly father for over a week.  He tells Dad that there is a out standing dept from Bank of America to the tune of $2,000 from two years ago on Moms account.  Mom has vascular dementia, and has not driven or been able to do for herself in four years.  And they have not done business with B of A in over 20 years.  Romero demands the payment or they will take Dad's house. My son in law who is also an attorny, called Romero and question him about the dept and Dad.  Romero could not answer any questions and did not even know Dad's address.  As my son in law continued to drill him and coming to the conclusion that this was a scam, Romero hung up the phone and we have not heard from him since.

got a call from some guy named ramero  from investment mgmt &recovery claiming he has a suit about avisa card i think its a scam

What did you find out?  My grandfather-in-law just received a similar call.

Got a call from a "Julius Romero" who knew MY SS#, but not my address! (been here 2.5 yrs) mentioned a credit card acct i ALLEDGEDLY had in 1991! said his company had a court date set in my local jurisdiction w/the purpose of obtaining a judgement. After that, they plan to GARNISH MY WAGES (unemployed 1yr+)  then, legally seize my assets that THEY HAVE FOUND (i HAVE nothing!).
I am now checking my name against all court dockets in my jurisdiction against the name they gave me:

INVESTMENT MANAGEMENT & RECOVERIES (HE SAID THEY WERE A LAW FIRM) THE PH # TRACES TO WA STATE.
corporationwiki.com SHOWS THE COMPANY NAME AS BASED IN PINELLAS PINES, FL.

i'LL KEEP YOU POSTED, AND IF ANYONE HAS INFO ON THIS "OUTFIT" ., I HAVE A LEGITIMATE ATTY READY TO SUE!

called me yesterday and today.  Left voice message to inform me of a "formal notice of intent" and to call back referencing a case number. I think this is a scam.