Owners of Rubin&Yates are Kulbacki's Construction company. David and Brian Kulbacki are the main guys. Wendling,ct, lancaster,ny

This is not a attorney office. They purchase debt and collect 10x the actual amount. The office is ran by( when he can make it in) by sedreck Jordan. His guy erick woldarski aka. Michael Anthony scams everyone they contact. CALL NY AG IF CONTACTED BY THIS OFFICE!

Rubin and Yates, LLC
 5334-5340 Transit Road, Suite 7
 Depew, New York  14043
   
Phone Numbers
Toll Free  (877) 573-2104

Doing there job? my goodness, do you work with them or are you one of them?  I to got a call from these idiots. Telling me I had one hour to to send them a money gram, they had all my info ... so they say but didnt know I married and had a different last name for 9 years now. The unpaid balance I was suppose to have had was 12 years old.. and it had been paid, to their surprise I did have the cancelled check in storage, oh and guess what... YEP he hung up on me, when i told him i would hand deliver it, if they provide me with an address.

This company called me, and tried to bully and intimadate me into paying a bill over the phone. The would not agree to let me do any verification of who they were or the amounts owed. They were rude beyond any persons I've ever dealth with, I end the conversation by hanging up on them.

I too, received a phone call from a 1-716-650-2640.  The caller left a voicemail, stating her name as "Kristen" only and that she was calling from "The Law Firm of Ruben & Yates," which is illegal for a collections company to say.  The nature of the voicemail message was very threatening, and at one point stated that I had "48 hours to comply" by calling back or legal action would be taken.  I did some online research first, reading this and other message boards related to the highly suspect "Ruben and Yates" and so knew the questions to ask.  First, I asked repeatedly whether I had reached the Law Firm of Ruben and Yates.  I was literally transferred to 3 different people, eventually (and supposedly) speaking with "The Director."  I told him that I had a voicemail message saved in which someone using their first name only and identified themselves as calling from the law firm of Ruben and Yates, and then told him that I not only went to law school, but studied consumer law, and am aware that representing oneself as an attorney or law firm when one is not is illegal.  He got very huffy and stated that they have an attorney, to which I replied "EVERY company or business has an attorney.  That DOES NOT make you a law firm.  ARE YOU a law firm?"  He became much more calm, if being calm involves accusing me of stealing since I stopped paying on a credit card debt MANY years ago.  I explained to him the unfair and predatory practices of the credit card industry, usually taking advantage of people with nearly usurious interest rates and that people caught in such situations have almost always paid back much more than the actual dollar value of any services or products bought with the credit cards, due to the high interest rates and late charges.  When I explained to him that I was unemployed and wanted something sent to me in the mail, he literally said "what good would that do?" and hung up on me.  Wow.  Don't let these jerks bully you.  They are a BAD collections agency only, and they are of the type to engage in all the practices that they are simply NOT ALLOWED to engage in.  Search for a Consumer Law Center near you if you have given them any money, because most likely, you now have a lawsuit of your own, AGAINST THEM, simply for the things they may have done and/or said which are violations of various consumer protection acts.  There are, in some locations, substantial fines that can be imposed against these companies if more people would just come forward and point their finger in the right direction.  Some law schools have consumer law clinics with sliding scales or provide altogether free services for people who have dealt with (or are dealing with) creditors or collection agencies that violate consumer legislation.  Contact your state's Attorney General, seriously.

These people called me twice and when I called them to ask why they were calling me they refused to give me any information and began harrassing me on the phone. A very nasty female was the one to answer my call.  I noticed that I had two missed phone call, when I dialed the other phone number that was also recorded on my phone the same nasty female answered so I simply hung up.  She had the nerve to call me back (with a private ID) and to begin screaming to me over the phone.   I simply told her she had no right to call me back and question me and hung up the phone.  They would not provide any info on themselves but wanted to know everything about me!!!  Watch out!!!

These clowns called and tried to fleece me for an account that was old and did not belong to me.  They broke a ton of laws on the phone, the collectors had made up names. I could tell they were reading from a script some shrink wrote to get money out of people, they claimed to be a law firm.  Err sorry, they said they were a Firm.  My advice get a tape recorder and then get a lawyer if you get a call from this number.

Asking for money on a credit card Ive never heard of from the year 2002! Harrassing me with calls everyday! Im sending a legal notification and a copy of the Statute of Limitations on this matter. I told him Ive never heard of the credit card, so even if it was legit, its too old to persue me in court.

I had a call on my answering machine from "Special Investigator Barney" from the firm of Rueben and Yates (sure sounds like they're trying to sound like a law firm).  She stated that a civil suit has been filed against my husband and that we need to respond immediately before further action was taken.  She also left a second message immediately stating that "your relative" has had  civil action filed against him and the last listed number for him was no longer valid, so I needed to let him know about this civil action and have him call her back.  These calls were last week.  I became suspicious and looked up "Rueben and Yates" and found out who they really were.  When she called me again this morning, I told her that I knew they were not a law firm, but some sort of sleazy collection agency, she became very angry and started screaming at me over the phone.  I told her that I had filed a complaint against her and her "firm" with the New York state attorney's office and for her to stop calling.  She then called me 3 more times, screaming at me over the phone.  The 4th time she called, I told that I was adding harassment to my complaint against her and her "firm" and she hasn't called back.  DIRTY PEOPLE.

Got a call from one of my cousins saying "Ruben and Yates Pre-Ligitation Firm" has a civil law suit against me. The number they left my cousin was
# 866/237-6191.  I called back to ask what type of company this was and a rude person stated "Ruben and Yates Law Firm!".  I asked what exactly they practiced.  The person couldn't answer.  He asked me what my number was so he could look up my case.  I asked if this was a collection agency.  He just said for me to go on-line and look them up and when I figure it out, call them back.  I said a few words to him and he called me "Stupid".  I then said he needs to stop calling my family members and harrasing them and misleading people into thinking they are a firm and this illegal for them to portray to be a law firm and I hung up.  He was so unprofessional.  I am going to report this so called "Ruben and Yates Law Firm".

My husband received the same threatening messages. If he didn't contact them within 24 hours and resolve this matter, they would issue a warrant. When I called them back for information and said I would consult with my attorney, they told me they didn't work with third parties like attorneys.

Like everybody on this forum, I recieved 8 phone calls from Rubin & Yates. They left the message on my answering machine. I am builiding up a case against them and will soon file a claim in the Small Claims court in Calif. Before I file though, I will send the crooks an Intent to Sue letter, which is required prior to litigation. I will demand for settlment offer payable to me for their violations of FDCPA or else face a suit in the poor man's, yet effective, courtroom, the small claims court. In my humble opionion, every consumer need to read the statues in FDCPA. That is where you would find the rules of the game.

I recieved a recorded call that stated there as a case number and i needed to call . I called, I was to speak to Mr. Hummel. He could not find my telephone number and was so rude, said it was a mistake. I called back and they refused to tell me how they obtained my number.  I called back one more time and was told the gentleman was just the switchboard but wanted the case number.  Creeps what is this scam!

Last week they left a recorded voicemail on my answering machine.  It didnt say who it was for, so I called them back and they said it was a mistake.  The next they called me back telling me that they are suing me for a debt that I dont remember ever having, and that they are pressing charges for fraud because I supposedly lied on my credit application for my income.  That it was misdemeanor class B and that I was facing a one year sentence in jail.  They gave the original account number and I told them that the account number is not reported on my credit report.  I had just checked my credit from all 3 bureaus and it did not appear.  Then they told me that they bought the account from Franklin collections and I told them that also is not being reported.  I told him that I would call him back and that I was going to talk to my lawyer he got upset and told me that if I dont call back within the hour that he is going to summons me to court and he hung up on me.  I called him aback and I told him that I wanted to have them send me all the proof that they have for my debt.  He told me there was no use.  I asked for their mailing address so I can request one and it took him 15 minutes to give me the address and he was getting upset because he thought I was trying to investigate the firm.  I told him No that I just wanted the information about supposed debt.  I supposedly owed $2000 but after I asked him for his address he was willing to settle for $600.  I told him that I was not going to pay for something that I was not sure of oweing.  He told me that he was going to call me back after he investigated the account.  I also told him that I was going to meet with my lawyer on monday.  He called me again today requesting to speak with me, my lawyer, or my husband.  I didnt meet with my lawyer something came up that I was not able to go.  Can anyone give me any suggestions on what to do?????

There a woman from this number calling my relatives number in Colorado (I live in California) then call my husband cell # and said that there a prejudgement against my SSN and I had 48 hours to call back.  I called back and left a message for the lady did not return my call.  There were no correspondence sending to my address but there were calls like this to my relative for credit cards I do not know and I felt my privacy is violated and humiliated.  What should I do?  Who are these people?

I came back from taking my elderly father to the doctor, my mother passed away 2 weeks ago. On my father's voice mail was a message from a Don Morino who stated he was a legal assistant and investigator for the law firm of Ruben and Yates.  He was calling for my ex-husband and myself and gave a case number and the phone number 1-866-237-6191 to call back.  Though strange I did call back only to be told no one in that department was available to take my call.  I left a message on Don's voice mail, explaining I was no longer married.  He will probably call me back tomorrow as I did leave my cell number before I checked this out on the web.  I did *69 the last call and it was from 716-650-2640 which on another web blog is one of the numbers they use.  I know I have nothing owed to anyone at this time as I filed bankruptcy several years ago and had researched everyone who bought any of my outstanding debts.  Nothing is showing in any of my credit reports that isn't current or part of the bankruptcy settlement. From what people are saying on these blogs, it's only beginning for me with these %$@&holes. I am worried about them contacting my father after I leave so I'm going to block their calls if I can

yes, i too have been contacted by this firm regarding a personal loan I alledgedly took out in 4-01 from wells fargo.  They went so far as to tell me what kind of loan it was, how much and when the last payment was made, as well as giving me my SSN. I spoke with a Ms. Hall and was told they would possibly settle the account for about 5,000.00 less than the original amount and that with my current credit score (which they gave me and was incorrect) I should go apply for a loan on that day and get the money to them within 3 business days before a summons would be issued in my county and I could possibly be arrested. Well, I contacted wells fargo and there is no default on a loan (which I knew wasn't me...I think I would have remembered acquiring a loan of 12,000.00.  I have contacted the FTC and all three major credit reporting bureaus regarding this so-called bogus law firm of Ruben and Yates.  Beware!!!!!!

I received a message on my mother's phone from the office of "Ruben and Yates."  I was told in the message that I was to return a car that I supposedly purchased years ago under my maiden name by noon tomorrow at their office or they would be taking legal action against me.  I've never owned a car under my maiden name.  I called the 866 number and talked to a very rude man who said that he couldn't give me any information on the case and transferred me to the voice mail of some woman.  I left my name and number (in addition to my complaints about this ordeal).  I have no idea what this could be about, who these people are, or how they have any information concerning me.  It is very unnerving and somewhat stressful.  Are these people serious?  There is no way this could even be on the up and up.  I guess I'll know more tomorrow if they call back.

I've received phone calls from this company for a month and a half now.  They call stating that I'm going to be charged with fraud if I don't pay my past debt with WELLS Fargo Financial company. Instead of calling the company back right away, I contacted WellsFargo because I dont ever remember getting a credit card with them.  I have student loans with them, and that's all.  When Wells Fargo looked up my information, I wasn't in their system at all.  Rueben and Yates called me back today, three different times, including right after a Wells Fargo rep contacted them.  Still telling me that I was going to have to get an attorney and that I was going to have to pay the $2200 that I owed Wells Fargo by the end of the month and that they don't take payments.  What credit collection agency doesn't take payments?  SCAM all the way.  They are relentless. I've hung up on them several times today.  The person that continues to call me is named KELLY.  I called them when they called the first time and left a message and it took a MONTH to call me back.  Really?  Becareful.  They tried really hard to get my credit card(which I don't have) or my checking account number from me to take the payment out.  They are very rude there and have no customer service skills what so ever, and I know Customer Service since I work in that field.  I'm calling my attorney generals office to report this here, and you should do the same for your states too.  This is wrong.  It unethical and illegal!

If you have been contacted by these Junk Debt Buyers, beware! Never give them your personal information. Never give them your bank account.

Instead, send them the following letter by Certified Mail, and keep all paper work. It is called Debt Validation letter. It is the ultimate poison for debt collector.

=============================================

YOUR NAME
Address
City, State Zip

Collection Agency's Name
Address
city, State Zip

Date

Re: Acct #


To Whom It May Concern:

This letter is being sent to you in response to the telephone call I received from you on (date). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

•    What the money you say I owe is for;
•    Explain and show me how you calculated what you say I owe;
•    Provide me with copies of any papers that show I agreed to pay what you say I owe;
•    Provide a verification or copy of any judgment if applicable;
•    Identify the original creditor;
•    Prove the Statute of Limitations has not expired on this account
•    Show me that you are licensed to collect in my state
•    Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

•    Violation of the Fair Credit Reporting Act
•    Violation of the Fair Debt Collection Practices Act
•    Defamation of Character


If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file suit against you without further notice.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Signature

Your Name

These peolpe are the worst people. They call people I havent seen in a while looking for me. Telling them I wrote bad checks and I was going to jail so I called them back and the screamed at me on the phone telling me I was going to jail that they are going to take my kids away and they dont care. I spoke to a women and she just saying I didnt know the law and dont try to. Well she is not a law firm and she doesnt know the law. She kept on screaming at me and I kept asking her if she is a law firm and she said she never said she was but when I called the # they answered it law offices. They told everyone thet called they were a law firm I have the messages saved to prove it. These people are very mean and should be stop Iam calling my lawer to stop these calls.

This is getting very annoying, I get calls nearly every day from a man.  I keep telling him to quit calling.  I told the jerk my husband is dead (which he is, died 5 years ago), the calls kept coming "I need a death certificate".   Last night there was a recording on my voicemail.  Stating "Guess what Mrs. _____, your husband is alive and I know where he is, call me and I will give you the information".   Oh my gosh.

I just received another call from them today.  The first time I received the call it did not sound right.  So I googled the name and number and came up with they were a collection agency.  Then I would receive a call maybe once a month saying this is MR so and so from rubin and yates firm, please contact us about a matter we have with you.  If you do not call us by the end of today, we will be forced to take legal action against you in court.  Next time they called saying they needed to speak to me about sending a 1099 to my house for tax purposes.....if they have a my number they should have my address???  Today's call was over 2+ minutes, my voice mail cut them off after 2 minutes.  They said this is "The Firm" asking for me to get back to them by 6pm today to discuss this matter with reference code ???????.  If I have a lawyer, the fax over the lawyer information to ?????????.  They kept on using "The Firm" each time as they are suppose to be a law firm.  Law firm send documentation, collection agencies call, it is that simply.  These clowns should go away, if you do not give them the satisfaction of talking to them.

Everyone here needs to be familiar with the Fair Debt Collections Practice Act.  At NO TIME can a collection agency (or a law firm for that matter)  THREATEN you, or suggest that they can put you in jail.  Only the police or the courts can put you in jail, and these are civil matters, so the police really don't even enter into it.  They cannot take your kids from you.  If they are contacting ANYONE other than you and speaking to them about your debt, that is ILLEGAL, and if you can prove it, they can be punished under the FDCPA. IF they are a law firm (which I doubt), they CAN sue you, but unless you have a substantial amount of debt (like thousands of dollars), they won't, because it costs too much to sue, and it isn't usually worth it to them.  They are trying to get money from you by any means they can, and they will come at it from a lot of directions.  As long as they do it legally and you owe the money, they can continue.  Read the document, it is available online and will help you out..

These guys contacted me today about sending me a 1099c for "forgiven debt" by some creditor.  I'll call them back and see what they say.  By the way, I am NOT a lawyer, just sharing my experiences....

if people were raised properly by thier parents to pay back when you borrow something nobody would ever call you!!

They are just doing their job, they are not bad people.In many cases they will help you. Just give them a chance and stop all the non-sense. They are trying to do thing the right way. Give them a break.

no one said that your an idiot

They just accepted my payment plan. $50.00 a month. I dont think you know what your taking about. It was easy to deal with them. Lighten up my friend. Your sound ridiculas when you dont know what your taking about.

I received a phone call at 10:23 a.m. from David Michael Anthony at the Firm of Rubin and Yates looking for Anthony Jacaruso.  They say my name came up as a contact for this person.  I told them I have nothing to do with this Anthony Jacaruso person and am tired of receiving phone calls looking for him and his wife Toni.  Please stop the annoying and harrassing phone calls to my home looking for these people and send letters and/or process servers to their home or their known Family members in Florida (and possibly North Carolina) because I have had enough!