They are a debt collector that is definitely NOT on the up and up!  Do not fall for anything this guy says.  Just tell him that you will report him to the Attorney General's office and hang up.  They try to scare you and tell you that a lawsuit is being filed against you......don't worry and don't give them any info.

Just got a call from West Point Management this morning stating that I was going to be sue for $15,000 if I did not arrange making a payment today for $1000. I told him that I did not knew about this debt and told me that it was on my Credit Report he pulled up on July. I pulled up my report just a week ago and this debt he was talking about is not on my report. I told him that I was not going to pay anything to go ahead an sue me and he said that he will because it only had been less than 6 years since I stopped making payment on this Credit Card and I told him that since is not on my Credit Report anymore that means that it's been longer than 7 years. I told him to do what he has to do and that I would do what I need to do. He said that I would regret it because a judgement will come up on my credit report.
Make sure you investigate before you make any king of arrengement with a debt collector. I almost fall for it but, I research before.

today is the second time i recieved a call from west point management, first time they did not give name of company but gave me thier name richard hobbs. #716-508-4563. they are calling about my son saying a formal complaint has been filed against him and he or his attorney should contact them right away.  we didn't and i looked up company on internet didn't find anything about this company, and then i found this site.  Now   i see this is a scam,  it must be about clout also but that was about 8 years ago.  I am so mad that this guy scared me thinking my son was in some kind of trouble as he lives now in another state, and has never been in any kind of trouble. Has anyone else called the d.a. about this.

Recieved a call looking for my husband. When I asked him what it was about he said a debt that was owed. He would not tell me his name and when I kept poking at him for information he called me a piss-pot. Very rude. If this guy really worked for a legit business there is no way he would be able to talk to and one like that.  Adding this to the blocked call list.

Knowledge is power read and dont let these people scam you!!!!!!Be careful!!!!!

Statute of Limitations for Credit Card Debt
Time is one of the most important factors of credit card debt. Your level of delinquency, the state of your credit report, whether you can be successfully sued for what you owe: each of these things depends on time. This in itself is not confusing; however, the nuances and U.S. state-by-state variations of the relationship between debt and time are.

Various time frames are important to debt, but one of the most significant is its statute of limitations. This is essentially the time during which debt is relevant under the law. Before the statute of limitations expires, you can be successfully sued for amounts owed. Once it runs out however, suit can be initiated, but it will be thrown out of court if you make it clear that the debt is ?time barred,? or older than the statue of limitations.

The age of debt depends on how recently you made a payment towards it. The statute of limitations clock begins at the time of last payment and resets each time you make a payment, thereby re-aging your debt. It is important to note that the statute of limitations has nothing to do with how long negative information remains on your credit report and that making a payment in no way affects this amount of time.

You can find your state?s statute of limitations for debt in the table below. If your outstanding debt is older than your state?s statute of limitations, then the debt is ?time-barred? and you have the right to ask the courts to dismiss any suit.  Keep in mind, however, that there are exceptions to the time frames laid out in the table below.  U.S. Government insured or guaranteed student loans, for example, have no statutes of limitations (i.e. regardless of the age of the debt, statutes of limitation are no longer valid defenses against repayment of a student loan).

State Statute of Limitations State Statute of Limitations
Alabama 6 Years Montana 8 Years
Alaska 3 Years Nebraska 5 Years
Arizona 6 Years Nevada 6 Years
Arkansas 5 Years New Hampshire 3 Years
California 4 Years New Jersey 6 Years
Colorado 6 Years New Mexico 6 Years
Connecticut 6 Years New York 6 Years
Delaware 6 Years North Carolina 3 Years
District of Columbia 3 Years North Dakota 6 Years
Florida 5 Years Ohio 15 Years
Georgia 6 Years Oklahoma 5 Years
Hawaii 6 Years Oregon 6 Years
Idaho 5 Years Pennsylvania 4 Years
Illinois 10 Years Rhode Island 10 Years
Indiana 10 Years South Carolina 3 Years
Iowa 10 Years South Dakota 6 Years
Kansas 5 Years Tennessee 6 Years
Kentucky 15 Years Texas 4 Years
Louisiana 10 Years Utah 6 Years
Maine 6 Years Vermont 6 Years
Maryland 3 Years Virginia 5 Years
Massachusetts 6 Years Washington 6 Years
Michigan 6 Years West Virginia 10 Years
Minnesota 6 Years Wisconsin 6 Years
Mississippi 3 Years Wyoming 10 Years
Missouri 10 Years  


(The Statutes of Limitations shown in this chart are for written contracts like credit card agreements. Oral contracts have shorter periods in many states.)


Having your state?s statute of limitations run out does not mean that your creditor no longer has the right to try to collect money owed. However, it does mean that the courts will not be a viable method of doing so, provided that you explicitly notify the judge that your debt is time-barred. Failing to bring this information to the court?s attention could result in the progression of a lawsuit that could have easily been dismissed.

Consider the disclaimer that creditors in New York City are required to include in collection efforts:

?The legal time limit (statute of limitations) for suing you to collect this debt has expired. However, if somebody sues you anyway to try
and make you pay this debt, court rules REQUIRE YOU to tell the court that the statute of limitations has expired to prevent the
creditor from obtaining judgment.?

Making a payment is not always the only act that can re-age debt (i.e. make the statute of limitations reset) either. According to the New Mexico Attorney General?s handbook, this occurs if you:

??make any payment of the debt?
??sign a paper in which you admit that you owe the debt or in which you make a new promise to pay?
??sign a paper in which you give up (?waive?) your right to stop the debt collector from suing you?
The biggest mistake you can make with a ?time-barred? debt is to pay a little bit of money at the wrong time just to stop the calls from collectors. Doing so resets the statute of limitations clock and reopens the possibility of being taken to court. So unless you plan to pay off your debt in full or have reached a settlement, don?t start making small payments in hopes of stopping the calls. Instead, send cease and desist letters to collectors who continue to harass you over time-barred debt.

After a certain point, collectors might abandon efforts to recoup your debt altogether because the complexity of collections outweighs the benefit. However, you may feel the moral obligation to pay the debt when you can afford to do so.

As mentioned earlier, making a payment has no effect on the length of time information about your debt will remain on your credit report. This clock begins 180 days after you first become delinquent and nothing you do thereafter affects it. Debt is only removed from your credit report when the requisite amount of time (usually 7 years) has passed, but you could change the status of your debt to ?paid? or ?settled? by making payment. This is better for your credit score than having your debt classified as ?not paid.?

Ultimately, the decision of whether or not to pay is yours alone to make. Be sure you know your statute of limitations, and do not let a creditor threaten you with a lawsuit when your debt is time-barred. If a creditor files a case, you must take action to have the courts throw it out. If you don?t prove that the debt is too old, the creditor will likely win his case.

I just now received a call from 7165083534. Claimed I owed clout visa money from six years ago. He said I owed $ 3100 and that earlier today someone tried to serve me paperwork at my job. Which is false. He said he would settle right now for 600$. Makes no sense....I see now this is a possible scam. This account was closed and paid off over 8 years ago.

I also received a call from this company claiming that I only had today to take care of a debt I paid off in 2009. He said if not, my case would be filed tomorrow morning with the court. Funny that the day before court filing, you call to collect...Hmmm. I told him to send me documentation, but he said he would not send any documentation since they had already mailed something to my house weeks ago. Funny that I never received anything. I told him I was not going to pay and he got mad and said, "Well wear something nice and see ya in court!"  That was the funniest part ever! The number was: 716-508-4565.

got a call from 716-929-7563 called a family member knew everything bout me my kids and said it was concerning a fraudulent matter. anyone get a call like this

This guy Siaa called me today said i had to pay a debt I paid off a year ago.... he said he was from Westpoint Management group....

Also the number he called from was 716-508-4565

I my mom actually got a call from this guy named "Siaa" and he said he was from "West Point Management Group". I too paid a debt off in 2010 and he said i was scammed then, that it was still on my credit report. He said I owed 3,800, but we could settle for $2,500. Then he said he would settle for $1,000.  I'm about to contact the State Attorney General, and whoever else.... I hope NO BODY FALLS FOR THE SCAM!!!!!!

I had a similar problem with Clout like this when I was in college. I paid the debt, but I'm now being bothered by a company after I settled this debt in 09. The dude was rude and called me a liar. I dropped the call but called back immediately and he told me I hung up on him. He said he was suing me because I was avoiding him, and obviously irresponsible and not willing to pay. The number is different than the one on this post. I don't know the name of the company because I can't understand the name of the company on the recording. The number is 716-508-4565. I was in the middle of a business meeting when I got the call. I stepped out of my meeting thinking it was an important client only to be harassed by this guy. I explained everything to him and he was very rude. I told him if he wanted to take me to court he could come out to Colorado and we could handle it. Does anyone know who this phone number belongs to. I can't make out the the first part of the company name. It sounds like he says West/Rest Point Management Group. This guy also pissed me off because I was interrupted during an important meeting, called a liar, and threatened to be sued by this guy. He wouldn't even give his name when I asked for it.

I received all call today from 716-508-3534 trying to tell me I owe $3500 for a credit card back in 2007 that was never paid. I filled bankruptcy in 2010 and told him that. He said my attorney that filed by BK did know what she was doing because she didn't add this credit card. But he was willing to take $1K over the phone right now as a settlement. I have never received a letter in the mail and this "account" is NOT on my credit report. This man was very rude. I see now that this is a HUGE scam and they have pissed me off!

I handed this off to my lawyer and she basically came back with that the company they claim to be doesn't exist. She said if they were really going to file a lawsuit they would have done so and not called.

I received a call from this number and the guy left a voicemail. He said a formal complaint has been filled in his office and me or my attorney needs to call him back right away. Who is this company, and I thought receiving letters was the proper way to address these situations.

They claim to be a Pre-litigation firm working for HSBC. They are not lawyers. The called me from this number as well as from 7165083546. I called them back trying to find out more information about who they are before I contact a lawyer and the guy went off on me. Claiming I didn't have a lawyer and I should be embarrassed that I'm about to be sued. At that point I hung up the phone and contacted my lawyer right away. I won't be intimidated by these people.