This company is actually Four Star Resolution, LLC (filed with New York State as 4 Star Resolution, LLC). They always call themselves F.S. (fill in the blank - Mediation, Legal, etc.). They are collecting on PayDay loans that were issued in New York and Maryland where they are illegal. Report them to the FTC, the CFPB and the New York Attorney General. Save the letters they send with a Canadian return address, they are an FDCPA violation by themselves (keep the envelope they are mailed with a Syracuse NY pre-sorted mail permit). A class action attorney could have a field day with a written threat of legal action on an illegally originated pay-day-loan.

**ALL OF THE DEBT THEY COLLECT ON IS PAST THE STATUTE OF LIMITATIONS. LEGALLY YOU DO NOT HAVE TO PAY THIS DEBT.** Call your State Attorney General if you do not know the statute of limitations in your state and while you have them on the phone file a complaint against the company using their correct legal name and address contained in this post.

They actually operate out of a boiler rooms located at 1839 Seneca St., Buffalo, NY 14210 and a former Blockbuster store (seriously) at 2400 Seneca Street Suite 7, Buffalo, NY 14210.

Here's a link to their BBB profile:

http://www.bbb.org/upstate-new-york/business- ... lo-ny-235970527

File a complaint with the BBB that describes the company name and telephone number they are using currently if you receive a letter or a phone call. All of the names they use are totally fake and bogus: Frank White, Mark Johnson, John Ford, etc.

The company is owned by Travell Thomas. Travell likes to hide his location and doesn't come into the office much, but his mother Cynthia Thomas lives at 56 Fennimore Ave., Buffalo, NY 14215. You can give her a call at (716) 837-2858.

The New York State Attorney General is aggressively pursuing rogue debt collectors and people who collect on payday loans which are illegal in New York. Report this company to the NY Attorney General by calling (800) 771-7755. Let them know the fake number they called you from, the fake company name used in the call with you and the legal name and address of the company contained in this post.

You can also file a complaint with the Consumer Financial Protection Bureau at http://www.consumerfinance.gov

I got a Call from them claiming they were trying to contact me about a personal matter. I did not pick up but they left a message saying that they are fourstar resolution and were trying to contact me regarding a personal matter they are trying to find a resolution for. They left a call back number and when I tried calling that number all I got was a high pitched constant sound. This was the first time they called me. I dont know if this is legit or not, but I cant find out. I tried to look up 4 star resolution and found a website, but the numbers do not match at all. I do not have any recollection of any kind of debt that I owe, so I am not sure why they called.

This number calls me constantly. The first few times I answered to hear absolutely nothing. Then I stopped answering and received one voicemail. I neglected to write down the name of the company, but I do remember googling it and the phone number and it's a company based in Canada. Canadian creditors have no recourse regarding financial obligations and American citizens, so this is clearly a fraudulent attempt to phish personal information for financial gain.

One way to find out if they are "legit" is to demand that they mail you (not email or fax) a debt validation letter showing original creditor, amount of loan, date of loan, date of last payment and if they are licensed to collect debt in your state.  If they refuse to give you this documentation, they are in violation of the FDCPA.  Do NOT pay anyone who refuses to send documentation that proves you owe a debt to them.

Says I owe them money. Very rude and unprofessional. Might be legit, might be a fraud.