I received a call from Donna Quince who stated she was a legal assistant with Moreno and Woods.  The caller ID number was the same as the 716 number above, but they told me to call 866-928-3160.  She stated in the voicemail using my previous married name from over seven years ago that they had a case against me and if I did not call back to resolve they would be garnishing my wages and taking money from my checking account.  I don't think I will call them back, but I will be checking my credit.

They're a lousy collection agency, NOT a law firm as the message they left on my voicemail said.

i rec'd a call from a guy name MICHEAL he say he is a paralegal. I don't believe him. He say the lady i talked to before name was MS COHEN. but would give out her first name, and wouldnt give out his last name. i told him i had a lawyer he wanted that info as well. he also wanted me to talk to MS WEBSTER. I hung and had my phone disconnected. This company is crazy. lol

SCAM ARTISTS WANTED $2900 FROM MY FATHER FOR OLD CREDIT CARDS THAT WERE NEVER
IN HIS NAME TRIED TO SETTLE FOR $2300.I CALLED MY LAWYER IMMEDIATELY AND WAS TOLD THIS IS A SCAM DO NOT PAY ANYTHING. HIS ADVICE WAS TO CAL THE ATTORNEY GENERAL

Mr. Shane Haley called me and said he was from Moreno and Woods and they had purchased a credit card account from over 12 years ago.  He needed $100.00 to keep the account from going to court and me from going to jail.  He now keeps calling every day saying that he needs to balance of the account by the end of May.  I think it is an easy way for some people to make a fast buck.

HEY GIGGLES - your are out of work!  Good luck with the LEGIT collection calls you will be getting because you can't pay your bills.  

YOU DO NOT COLLECT LEGIT DEBT - you STEAL MONEY - there is a big difference between a legitimate debt collector that follow the laws and your BOGUS debt collections - breaking laws - CROOKS!



CONTACT THE NY ATTORNEY GENERAL ASAP

MORENO AND WOOD AKA MARSHALL AND ZIOLKOSKI IS BEING SHUT DOWN BY NY AG

ATTORNEY GENERAL CUOMO SUES TO SHUT DOWN BUFFALO-BASED DEBT COLLECTION OPERATION THAT ILLEGALLY HARASSED AND THREATENED CONSUMERS NATIONWIDE

Employees Used Verbal Abuse and Sexual Harassment to Intimidate Consumers Into Paying Debts

Latest Action in Cuomo?s Ongoing Probe into Unlawful Debt Collection Practices

BUFFALO, NEW YORK (August 18, 2009) - Attorney General Andrew M. Cuomo today announced that his office has filed a lawsuit seeking to shut down a Buffalo-based debt collection operation consisting of 13 debt collection companies run by Buffalo residents Omar Smith, Narvell Benning and Keith Marshall (collectively, the "Benning-Smith Group?). Today?s announcement is the latest action in Attorney General Cuomo?s ongoing investigation of unlawful debt collection practices.

According to the more than 850 consumer complaints filed with the Office of the Attorney General, the Federal Trade Commission and the Better Business Bureau, the Benning-Smith Group's employees violated state and federal law by routinely posing as law enforcement officials and threatening to arrest or to physically harm consumers unless they made arrangements to pay the company immediately. Additionally, the Benning-Smith Group made abuse and humiliation a trademark of their collection practices by verbally abusing consumers and, in some instances, sexually harassing them. To date, the Attorney General?s investigation has identified more than a thousand instances in which the Benning-Smith Group breached state and federal statutes. Cuomo?s lawsuit, filed today in Buffalo Supreme Court, seeks to shut down all of the Benning-Smith Group?s operations in the Western New York.

?This company made lies, threats and abuse their calling cards in their efforts to manipulate and take advantage of consumers already facing tough economic times,? said Attorney General Andrew Cuomo. ?They did everything they could to demean and humiliate their targets, stooping so low as to sexually harass and verbally abuse individuals nationwide. My Office will continue to protect consumers by making it clear that companies like this one will not be permitted to operate in the State of New York.?

According to the lawsuit filed by the Attorney Generals Office, Omar Smith, Narvell Benning and Keith Marshall ran at least 13 debt collection companies that operated out of multiple locations and under various assumed names in Western New York. The Benning-Smith Group operated under several names, including:
Abrams, Burke & Associates;
Benning and Smith Acquisitions, Inc.;
Brady and Caruso, LLC;
DebtPayments.com;
DebtPayments.com, LLC;
Fredericks, Goldstein & Zoe;
Graham, Noble & Associates Bookkeeping;
Graham, Noble & Associates LLC;
Graham,Beagle & Associates LLC;
Kingman, Cole and Associates, LCC;
Marshall and Ziolkowski Enterprise, LLC;
Marshall Ziolkowski Acquisitions, LLC;
Lansky, Goldstein, Zoe;
OLS Payment Services; and
University Debt Collection.

Attorney General Cuomo?s investigation revealed that collectors regularly demanded payment for non-existent debts or substantially inflated the amount owed on an actual debt. Using their false law enforcement identities, collectors coerced and cajoled terrified consumers into agreeing to make payments. Frightened at the prospect of arrest and humiliation, consumers authorized withdrawals from their checking accounts, sent Western Union moneygrams and/or money orders out of fear.

In one instance, a Benning-Smith collector kept repeating the name of a consumer?s daughter, describing various sexual things he would do to her unless the debt was paid. Another collector told a female consumer that if both she and her husband would engage in sexual acts with him, he would pay their debt himself. Collectors routinely called consumers ?drunks,? ?scumbags,? ?deadbeats,? and, in one instance, ?a low-life piece of trash.?

The federal Fair Debt Collection Practices Act, the New York State debt collection and consumer protection laws prohibit the following conduct: posing as an attorney, threatening lawsuits or other legal action which cannot be taken, saying a consumer committed a crime or will be arrested and talking with third parties except to get location information. These statutes also bar the use of deception and harassment in collection practices. The law further requires collection agencies to send a written notice within five days of initial communication with the consumer explaining how he or she can dispute the debt. If properly disputed, the collection agency must stop all collection attempts and send verification.

Today?s action is part of a larger investigation by Attorney General Cuomo into unlawful debt collection practices. In June, Cuomo obtained a court order shutting down the fraudulent activities of another Buffalo-based collection racket and initiated criminal charges against the owner of that operation. His Office previously shut down two other collectors for threatening and intimidating consumers into paying debts that they did not owe. Additionally the Office of the Attorney General remains engaged in litigation with two debt settlement companies for fraudulent business practices and false advertising by selling misleading debt settlement plans that very rarely deliver the promised benefits to consumers dealing with debt.

Cuomo also launched a website - www.NYDebtHelp.com- that explains consumer rights, allows victims of debt collection and debt settlement companies quick access to the Attorney Generals office to file complaints, and outlines the stages of the Attorney Generals investigation.

The case was handled by Assistant Attorney General James Morrissey and Senior Consumer Fraud Representative Karen Davis, under the supervision of Deputy Attorney General David Sampson

CONTACT THE NY ATTORNEY GENERAL ASAP

MORENO AND WOOD AKA MARSHALL AND ZIOLKOSKI IS BEING SHUT DOWN BY NY AG

ATTORNEY GENERAL CUOMO SUES TO SHUT DOWN BUFFALO-BASED DEBT COLLECTION OPERATION THAT ILLEGALLY HARASSED AND THREATENED CONSUMERS NATIONWIDE

Employees Used Verbal Abuse and Sexual Harassment to Intimidate Consumers Into Paying Debts

Latest Action in Cuomo?s Ongoing Probe into Unlawful Debt Collection Practices

BUFFALO, NEW YORK (August 18, 2009) - Attorney General Andrew M. Cuomo today announced that his office has filed a lawsuit seeking to shut down a Buffalo-based debt collection operation consisting of 13 debt collection companies run by Buffalo residents Omar Smith, Narvell Benning and Keith Marshall (collectively, the "Benning-Smith Group?). Today?s announcement is the latest action in Attorney General Cuomo?s ongoing investigation of unlawful debt collection practices.

According to the more than 850 consumer complaints filed with the Office of the Attorney General, the Federal Trade Commission and the Better Business Bureau, the Benning-Smith Group's employees violated state and federal law by routinely posing as law enforcement officials and threatening to arrest or to physically harm consumers unless they made arrangements to pay the company immediately. Additionally, the Benning-Smith Group made abuse and humiliation a trademark of their collection practices by verbally abusing consumers and, in some instances, sexually harassing them. To date, the Attorney General?s investigation has identified more than a thousand instances in which the Benning-Smith Group breached state and federal statutes. Cuomo?s lawsuit, filed today in Buffalo Supreme Court, seeks to shut down all of the Benning-Smith Group?s operations in the Western New York.

?This company made lies, threats and abuse their calling cards in their efforts to manipulate and take advantage of consumers already facing tough economic times,? said Attorney General Andrew Cuomo. ?They did everything they could to demean and humiliate their targets, stooping so low as to sexually harass and verbally abuse individuals nationwide. My Office will continue to protect consumers by making it clear that companies like this one will not be permitted to operate in the State of New York.?

According to the lawsuit filed by the Attorney Generals Office, Omar Smith, Narvell Benning and Keith Marshall ran at least 13 debt collection companies that operated out of multiple locations and under various assumed names in Western New York. The Benning-Smith Group operated under several names, including:
Abrams, Burke & Associates;
Benning and Smith Acquisitions, Inc.;
Brady and Caruso, LLC;
DebtPayments.com;
DebtPayments.com, LLC;
Fredericks, Goldstein & Zoe;
Graham, Noble & Associates Bookkeeping;
Graham, Noble & Associates LLC;
Graham,Beagle & Associates LLC;
Kingman, Cole and Associates, LCC;
Marshall and Ziolkowski Enterprise, LLC;
Marshall Ziolkowski Acquisitions, LLC;
Lansky, Goldstein, Zoe;
OLS Payment Services; and
University Debt Collection.

Attorney General Cuomo?s investigation revealed that collectors regularly demanded payment for non-existent debts or substantially inflated the amount owed on an actual debt. Using their false law enforcement identities, collectors coerced and cajoled terrified consumers into agreeing to make payments. Frightened at the prospect of arrest and humiliation, consumers authorized withdrawals from their checking accounts, sent Western Union moneygrams and/or money orders out of fear.

In one instance, a Benning-Smith collector kept repeating the name of a consumer?s daughter, describing various sexual things he would do to her unless the debt was paid. Another collector told a female consumer that if both she and her husband would engage in sexual acts with him, he would pay their debt himself. Collectors routinely called consumers ?drunks,? ?scumbags,? ?deadbeats,? and, in one instance, ?a low-life piece of trash.?

The federal Fair Debt Collection Practices Act, the New York State debt collection and consumer protection laws prohibit the following conduct: posing as an attorney, threatening lawsuits or other legal action which cannot be taken, saying a consumer committed a crime or will be arrested and talking with third parties except to get location information. These statutes also bar the use of deception and harassment in collection practices. The law further requires collection agencies to send a written notice within five days of initial communication with the consumer explaining how he or she can dispute the debt. If properly disputed, the collection agency must stop all collection attempts and send verification.

Today?s action is part of a larger investigation by Attorney General Cuomo into unlawful debt collection practices. In June, Cuomo obtained a court order shutting down the fraudulent activities of another Buffalo-based collection racket and initiated criminal charges against the owner of that operation. His Office previously shut down two other collectors for threatening and intimidating consumers into paying debts that they did not owe. Additionally the Office of the Attorney General remains engaged in litigation with two debt settlement companies for fraudulent business practices and false advertising by selling misleading debt settlement plans that very rarely deliver the promised benefits to consumers dealing with debt.

Cuomo also launched a website - www.NYDebtHelp.com- that explains consumer rights, allows victims of debt collection and debt settlement companies quick access to the Attorney Generals office to file complaints, and outlines the stages of the Attorney Generals investigation.

The case was handled by Assistant Attorney General James Morrissey and Senior Consumer Fraud Representative Karen Davis, under the supervision of Deputy Attorney General David Sampson

CONTACT THE NY ATTORNEY GENERAL ASAP

MORENO AND WOOD AKA MARSHALL AND ZIOLKOSKI IS BEING SHUT DOWN BY NY AG

ATTORNEY GENERAL CUOMO SUES TO SHUT DOWN BUFFALO-BASED DEBT COLLECTION OPERATION THAT ILLEGALLY HARASSED AND THREATENED CONSUMERS NATIONWIDE

Employees Used Verbal Abuse and Sexual Harassment to Intimidate Consumers Into Paying Debts

Latest Action in Cuomo?s Ongoing Probe into Unlawful Debt Collection Practices

BUFFALO, NEW YORK (August 18, 2009) - Attorney General Andrew M. Cuomo today announced that his office has filed a lawsuit seeking to shut down a Buffalo-based debt collection operation consisting of 13 debt collection companies run by Buffalo residents Omar Smith, Narvell Benning and Keith Marshall (collectively, the "Benning-Smith Group?). Today?s announcement is the latest action in Attorney General Cuomo?s ongoing investigation of unlawful debt collection practices.

According to the more than 850 consumer complaints filed with the Office of the Attorney General, the Federal Trade Commission and the Better Business Bureau, the Benning-Smith Group's employees violated state and federal law by routinely posing as law enforcement officials and threatening to arrest or to physically harm consumers unless they made arrangements to pay the company immediately. Additionally, the Benning-Smith Group made abuse and humiliation a trademark of their collection practices by verbally abusing consumers and, in some instances, sexually harassing them. To date, the Attorney General?s investigation has identified more than a thousand instances in which the Benning-Smith Group breached state and federal statutes. Cuomo?s lawsuit, filed today in Buffalo Supreme Court, seeks to shut down all of the Benning-Smith Group?s operations in the Western New York.

?This company made lies, threats and abuse their calling cards in their efforts to manipulate and take advantage of consumers already facing tough economic times,? said Attorney General Andrew Cuomo. ?They did everything they could to demean and humiliate their targets, stooping so low as to sexually harass and verbally abuse individuals nationwide. My Office will continue to protect consumers by making it clear that companies like this one will not be permitted to operate in the State of New York.?

According to the lawsuit filed by the Attorney Generals Office, Omar Smith, Narvell Benning and Keith Marshall ran at least 13 debt collection companies that operated out of multiple locations and under various assumed names in Western New York. The Benning-Smith Group operated under several names, including:
Abrams, Burke & Associates;
Benning and Smith Acquisitions, Inc.;
Brady and Caruso, LLC;
DebtPayments.com;
DebtPayments.com, LLC;
Fredericks, Goldstein & Zoe;
Graham, Noble & Associates Bookkeeping;
Graham, Noble & Associates LLC;
Graham,Beagle & Associates LLC;
Kingman, Cole and Associates, LCC;
Marshall and Ziolkowski Enterprise, LLC;
Marshall Ziolkowski Acquisitions, LLC;
Lansky, Goldstein, Zoe;
OLS Payment Services; and
University Debt Collection.

Attorney General Cuomo?s investigation revealed that collectors regularly demanded payment for non-existent debts or substantially inflated the amount owed on an actual debt. Using their false law enforcement identities, collectors coerced and cajoled terrified consumers into agreeing to make payments. Frightened at the prospect of arrest and humiliation, consumers authorized withdrawals from their checking accounts, sent Western Union moneygrams and/or money orders out of fear.

In one instance, a Benning-Smith collector kept repeating the name of a consumer?s daughter, describing various sexual things he would do to her unless the debt was paid. Another collector told a female consumer that if both she and her husband would engage in sexual acts with him, he would pay their debt himself. Collectors routinely called consumers ?drunks,? ?scumbags,? ?deadbeats,? and, in one instance, ?a low-life piece of trash.?

The federal Fair Debt Collection Practices Act, the New York State debt collection and consumer protection laws prohibit the following conduct: posing as an attorney, threatening lawsuits or other legal action which cannot be taken, saying a consumer committed a crime or will be arrested and talking with third parties except to get location information. These statutes also bar the use of deception and harassment in collection practices. The law further requires collection agencies to send a written notice within five days of initial communication with the consumer explaining how he or she can dispute the debt. If properly disputed, the collection agency must stop all collection attempts and send verification.

Today?s action is part of a larger investigation by Attorney General Cuomo into unlawful debt collection practices. In June, Cuomo obtained a court order shutting down the fraudulent activities of another Buffalo-based collection racket and initiated criminal charges against the owner of that operation. His Office previously shut down two other collectors for threatening and intimidating consumers into paying debts that they did not owe. Additionally the Office of the Attorney General remains engaged in litigation with two debt settlement companies for fraudulent business practices and false advertising by selling misleading debt settlement plans that very rarely deliver the promised benefits to consumers dealing with debt.

Cuomo also launched a website - www.NYDebtHelp.com- that explains consumer rights, allows victims of debt collection and debt settlement companies quick access to the Attorney Generals office to file complaints, and outlines the stages of the Attorney Generals investigation.

The case was handled by Assistant Attorney General James Morrissey and Senior Consumer Fraud Representative Karen Davis, under the supervision of Deputy Attorney General David Sampson







File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
        February

YOUR BUSTED AND OUT OF WORK - EE

ATTORNEY GENERAL CUOMO SUES TO SHUT DOWN BUFFALO-BASED DEBT COLLECTION OPERATION THAT ILLEGALLY HARASSED AND THREATENED CONSUMERS NATIONWIDE

Employees Used Verbal Abuse and Sexual Harassment to Intimidate Consumers Into Paying Debts

Latest Action in Cuomo?s Ongoing Probe into Unlawful Debt Collection Practices

BUFFALO, NEW YORK (August 18, 2009) - Attorney General Andrew M. Cuomo today announced that his office has filed a lawsuit seeking to shut down a Buffalo-based debt collection operation consisting of 13 debt collection companies run by Buffalo residents Omar Smith, Narvell Benning and Keith Marshall (collectively, the "Benning-Smith Group?). Today?s announcement is the latest action in Attorney General Cuomo?s ongoing investigation of unlawful debt collection practices.

According to the more than 850 consumer complaints filed with the Office of the Attorney General, the Federal Trade Commission and the Better Business Bureau, the Benning-Smith Group's employees violated state and federal law by routinely posing as law enforcement officials and threatening to arrest or to physically harm consumers unless they made arrangements to pay the company immediately. Additionally, the Benning-Smith Group made abuse and humiliation a trademark of their collection practices by verbally abusing consumers and, in some instances, sexually harassing them. To date, the Attorney General?s investigation has identified more than a thousand instances in which the Benning-Smith Group breached state and federal statutes. Cuomo?s lawsuit, filed today in Buffalo Supreme Court, seeks to shut down all of the Benning-Smith Group?s operations in the Western New York.

?This company made lies, threats and abuse their calling cards in their efforts to manipulate and take advantage of consumers already facing tough economic times,? said Attorney General Andrew Cuomo. ?They did everything they could to demean and humiliate their targets, stooping so low as to sexually harass and verbally abuse individuals nationwide. My Office will continue to protect consumers by making it clear that companies like this one will not be permitted to operate in the State of New York.?

According to the lawsuit filed by the Attorney Generals Office, Omar Smith, Narvell Benning and Keith Marshall ran at least 13 debt collection companies that operated out of multiple locations and under various assumed names in Western New York. The Benning-Smith Group operated under several names, including:
Abrams, Burke & Associates;
Benning and Smith Acquisitions, Inc.;
Brady and Caruso, LLC;
DebtPayments.com;
DebtPayments.com, LLC;
Fredericks, Goldstein & Zoe;
Graham, Noble & Associates Bookkeeping;
Graham, Noble & Associates LLC;
Graham,Beagle & Associates LLC;
Kingman, Cole and Associates, LCC;
Marshall and Ziolkowski Enterprise, LLC;
Marshall Ziolkowski Acquisitions, LLC;
Lansky, Goldstein, Zoe;
OLS Payment Services; and
University Debt Collection.

Attorney General Cuomo?s investigation revealed that collectors regularly demanded payment for non-existent debts or substantially inflated the amount owed on an actual debt. Using their false law enforcement identities, collectors coerced and cajoled terrified consumers into agreeing to make payments. Frightened at the prospect of arrest and humiliation, consumers authorized withdrawals from their checking accounts, sent Western Union moneygrams and/or money orders out of fear.

In one instance, a Benning-Smith collector kept repeating the name of a consumer?s daughter, describing various sexual things he would do to her unless the debt was paid. Another collector told a female consumer that if both she and her husband would engage in sexual acts with him, he would pay their debt himself. Collectors routinely called consumers ?drunks,? ?scumbags,? ?deadbeats,? and, in one instance, ?a low-life piece of trash.?

The federal Fair Debt Collection Practices Act, the New York State debt collection and consumer protection laws prohibit the following conduct: posing as an attorney, threatening lawsuits or other legal action which cannot be taken, saying a consumer committed a crime or will be arrested and talking with third parties except to get location information. These statutes also bar the use of deception and harassment in collection practices. The law further requires collection agencies to send a written notice within five days of initial communication with the consumer explaining how he or she can dispute the debt. If properly disputed, the collection agency must stop all collection attempts and send verification.

Today?s action is part of a larger investigation by Attorney General Cuomo into unlawful debt collection practices. In June, Cuomo obtained a court order shutting down the fraudulent activities of another Buffalo-based collection racket and initiated criminal charges against the owner of that operation. His Office previously shut down two other collectors for threatening and intimidating consumers into paying debts that they did not owe. Additionally the Office of the Attorney General remains engaged in litigation with two debt settlement companies for fraudulent business practices and false advertising by selling misleading debt settlement plans that very rarely deliver the promised benefits to consumers dealing with debt.

Cuomo also launched a website - www.NYDebtHelp.com- that explains consumer rights, allows victims of debt collection and debt settlement companies quick access to the Attorney Generals office to file complaints, and outlines the stages of the Attorney Generals investigation.

The case was handled by Assistant Attorney General James Morrissey and Senior Consumer Fraud Representative Karen Davis, under the supervision of Deputy Attorney General David Sampson


File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
        February

in regards to the reference to MARSHALL & ZIOLKOWSKI

READ THIS IMPORTANT INFO AND REPORT YOUR CALLS FROM MORENO AND WOODS TO THE NY AG IMMEDIATELY - HE IS SHUTTING THEM DOWN FOR THEIR ILLEGAL DEBT COLLECTION PRACTICES!

ATTORNEY GENERAL CUOMO SUES TO SHUT DOWN BUFFALO-BASED DEBT COLLECTION OPERATION THAT ILLEGALLY HARASSED AND THREATENED CONSUMERS NATIONWIDE

Employees Used Verbal Abuse and Sexual Harassment to Intimidate Consumers Into Paying Debts


Latest Action in Cuomo?s Ongoing Probe into Unlawful Debt Collection Practices

BUFFALO, NEW YORK (August 18, 2009) - Attorney General Andrew M. Cuomo today announced that his office has filed a lawsuit seeking to shut down a Buffalo-based debt collection operation consisting of 13 debt collection companies run by Buffalo residents Omar Smith, Narvell Benning and Keith Marshall (collectively, the "Benning-Smith Group?). Today?s announcement is the latest action in Attorney General Cuomo?s ongoing investigation of unlawful debt collection practices.

According to the more than 850 consumer complaints filed with the Office of the Attorney General, the Federal Trade Commission and the Better Business Bureau, the Benning-Smith Group's employees violated state and federal law by routinely posing as law enforcement officials and threatening to arrest or to physically harm consumers unless they made arrangements to pay the company immediately. Additionally, the Benning-Smith Group made abuse and humiliation a trademark of their collection practices by verbally abusing consumers and, in some instances, sexually harassing them. To date, the Attorney General?s investigation has identified more than a thousand instances in which the Benning-Smith Group breached state and federal statutes. Cuomo?s lawsuit, filed today in Buffalo Supreme Court, seeks to shut down all of the Benning-Smith Group?s operations in the Western New York.

?This company made lies, threats and abuse their calling cards in their efforts to manipulate and take advantage of consumers already facing tough economic times,? said Attorney General Andrew Cuomo. ?They did everything they could to demean and humiliate their targets, stooping so low as to sexually harass and verbally abuse individuals nationwide. My Office will continue to protect consumers by making it clear that companies like this one will not be permitted to operate in the State of New York.?

According to the lawsuit filed by the Attorney Generals Office, Omar Smith, Narvell Benning and Keith Marshall ran at least 13 debt collection companies that operated out of multiple locations and under various assumed names in Western New York. The Benning-Smith Group operated under several names, including:
Abrams, Burke & Associates;
Benning and Smith Acquisitions, Inc.;
Brady and Caruso, LLC;
DebtPayments.com;
DebtPayments.com, LLC;
Fredericks, Goldstein & Zoe;
Graham, Noble & Associates Bookkeeping;
Graham, Noble & Associates LLC;
Graham,Beagle & Associates LLC;
Kingman, Cole and Associates, LCC;
Marshall and Ziolkowski Enterprise, LLC;
Marshall Ziolkowski Acquisitions, LLC;
Lansky, Goldstein, Zoe;
OLS Payment Services; and
University Debt Collection.

Attorney General Cuomo?s investigation revealed that collectors regularly demanded payment for non-existent debts or substantially inflated the amount owed on an actual debt. Using their false law enforcement identities, collectors coerced and cajoled terrified consumers into agreeing to make payments. Frightened at the prospect of arrest and humiliation, consumers authorized withdrawals from their checking accounts, sent Western Union moneygrams and/or money orders out of fear.

In one instance, a Benning-Smith collector kept repeating the name of a consumer?s daughter, describing various sexual things he would do to her unless the debt was paid. Another collector told a female consumer that if both she and her husband would engage in sexual acts with him, he would pay their debt himself. Collectors routinely called consumers ?drunks,? ?scumbags,? ?deadbeats,? and, in one instance, ?a low-life piece of trash.?

The federal Fair Debt Collection Practices Act, the New York State debt collection and consumer protection laws prohibit the following conduct: posing as an attorney, threatening lawsuits or other legal action which cannot be taken, saying a consumer committed a crime or will be arrested and talking with third parties except to get location information. These statutes also bar the use of deception and harassment in collection practices. The law further requires collection agencies to send a written notice within five days of initial communication with the consumer explaining how he or she can dispute the debt. If properly disputed, the collection agency must stop all collection attempts and send verification.

Today?s action is part of a larger investigation by Attorney General Cuomo into unlawful debt collection practices. In June, Cuomo obtained a court order shutting down the fraudulent activities of another Buffalo-based collection racket and initiated criminal charges against the owner of that operation. His Office previously shut down two other collectors for threatening and intimidating consumers into paying debts that they did not owe. Additionally the Office of the Attorney General remains engaged in litigation with two debt settlement companies for fraudulent business practices and false advertising by selling misleading debt settlement plans that very rarely deliver the promised benefits to consumers dealing with debt.

Cuomo also launched a website - www.NYDebtHelp.com- that explains consumer rights, allows victims of debt collection and debt settlement companies quick access to the Attorney Generals office to file complaints, and outlines the stages of the Attorney Generals investigation.

The case was handled by Assistant Attorney General James Morrissey and Senior Consumer Fraud Representative Karen Davis, under the supervision of Deputy Attorney General David Sampson




File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
        February

ILLEGAL DEBT COLLECTION PRACTICES are not being reported by former employees.

The only reason you are here on this board at all is because you work for them.


File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
        February

Regarding $500.00 taken from my account w/ out my knowledge. After several calls to Mr. Jason Scott @ Moreno & Woods he made sure to have the money put back w/ his supervisors authorization. Mr. Jason Scott was in no way rude to me & listened to everything I said. He made it a point to have a meeting w/ supervisors so we could get our money back & continue to make payments thru the mail so this wouldn't happen again. It was a stressful situation @ first & dealing w/ some other employees but Mr Jason Scott did his job profesionally & politely. I am positive he is for REAL & not a fake. He is a finicial collector NOT A LAWYER> The internet tells MANY stories so be careful before you jump to conclusion LIKE I DID!! Thanks Mr Jason Scott @ Moreno & Woods.

his name was mister rice and he asked me to sedttle a debt that he never stated what it was for and then he said he was going to serve me papers at work for court ...  its all a lie i called my attorney and he is been trying to contact them guess what all lies  ... call the fbi or your phone company ....  if these losers call again i will sue majorily i have no debt i own 2 companys i will take your buisness down  in a federal indictment...   period period period

I had been contacted by A REP. via a msg. on my mothers' answering machine. Responding to the msg. I was told that I was on the verge of being taken to court for a delinquent credit card account. I had made arrangements to settle. I had been bounced from one rep. to another, and never recieved the documentation that I had requested. Over a month later, I recieved a phone call from a restricted number.It was Jay Scott. He told me that I would be going to court inj 2 weeks since I did not meet  up to our agreement. I requested the same documentation as before. The number i was to call was 1-866-928-3160. After calling to set up the details, and leaving a message at ext. 112.My phone rang and the number on the caller i.d. was 716-688-7183. I did not answer. the caller called 3 times consecutively, leaving no voice mail or anything. The fax I recieved had the address of the ups store.Something not right here. I almost fell for it.

This has been bothering me for sometime now. There is a woman out there that has been wronged by this so called collection agency law office, BROKERAGE FIRM. Her name is "Ellen Strong." She's been SCAMMED out of some $17k by Laura Webster and Terry Jacobs...governments Mike Azzinaro (owner or Glorified Office Manager and Lamisha Wooten acting Office Manager). Lamisha by the instruction of Mike Azzinaro scammed this woman out of her money for an account that wasn't hers. Poor thing, her mother passed away and Lamisha told her that she would take care of all of her debts on her mom's credit report.  Ellen sent in a cashiers check for sum $17,000 and Lamisha and Mike pocketed that money. Poor Ellen...she calls the office to speak to "Laura Webster" but Ms. Webster is never available or is always in a meeting..Ms. Webster is sitting right there @ ext. 100 and if she isn't Mike Azzinaro is @ ext 118. Other collection agencies call there in regards to the accounts that were supposed to be paid off by Ms. Webster for Ellen and she even dodges them. What a SCAM!!!!...Ms. ELLEN STRONG...YOU HAVE BEEN WRONGED. BAMBOOZLED SCAMMED  out of all that money...and you deserve to get you money back.... I sugguest you contact the FBI and the NYS ATTORNEY GENERALS OFFICE. ALSO YOU CAN SUE THE COMPANY AND MIKE AZZINARO AND LAMISHA WOOTEN FOR UP TO $500,000 PER TH FAIR DEBT COLLECTIONS PRACTICES ACT FOR VIOLATION, MISREPRESENTATION AND UNFAIR PRACTICES....IF YOU WANT MY HELP I'M MORE THAN WILLING TO HELP YOU. ....It is against the Fair Debt Collections Practices Act to use an alias when collecting...and it's against the law to upcahrge an account without that being written in the original contract.  IF ANYONE FROM MORENO AND WOODS CONTACTS YOU...DO NOT PAY THEM A DIME...HAVE THEM SEND YOU THE ORIGINAL CONTRACT, AND A LETTER, VERIFY THAT THEY ARE LISCENCED IN YOUR STATE TO COLLECT..ASK THEM FOR THEIR BUSINESS ID#.. THEY DON'T SUE ACCOUNTS..AND CAN'T BECAUSE THEY DON'T HAVE ANY ORIGINAL DOCUMENTATION...ALSO ...KNOW YOUR STATUTE OF LIMITATIONS IN YOUR STATE. IT IS AGAINST THE LAW FOR A DEBT COLLECTOR TO COLLECT A DEBT WHEN IT'S OUT OF STATUTE. IF YOU MORALLY JUST WANT TO PAY IT...PAY $5 UNTIL THEY PROVIDE YOU INFORMATION VIA MONEY ORDER...DO NOT...AND I REPEAT DO NOT GIVE THEM ANY CHEKCING SAVINGS OR DEBIT OR CREDIT CARD INFO OVER THE PHONE....THEY WILL CONTINUE TO RUN YOU CARD AND CHECKING INFO WITHOUT YOUR CONSENT.....TO THE PEOPLE OUT THERE THAT ARE CONTACTED BY MORENO AND WOODS ABOUT AN ACCOUNT THAT YOU FEEL YOU ALREADY PAID...YOU DID!!!! DON'T REPAY THE ACCOUNT...IF YOU'RE PAYING THEM...CLOSE THE ACCOUNT YOU'RE PAYING THEM OUT OF...I'VE SEEN THEM UPCHARGE BALANCE ANYWHERE FROMM $2K -$4K AND EVEN MORE AND LAUGH ABOUT IT...ALL SO THEY CAN HAVE A BEIGGER BONUS CHECK...ALL OF THEM THAT WORK THERE ARE EITHER RECOVERING ADDICTS OR EX-CONS...BE CAREFUL......



THIS IS ALL TOOO FUNNY....SOME OF YOU GOT IT RIGHT...MIKE AZZINARO GOES BY THE NAME "AZ" OR TERRY JACOBS. HE'S THE "SO CALLED" OWNER...BUT HE'S ACTUALLY JUST A 26 WHIGGER THAT USES A LOT OF PROFANITY AND IS VERY DISREPECTFUL...THE COMPANY DOESN'T EVEN COLLECT $100K A MONTH...LOL...IT'S REDICULOUS...THEY'RE ALL USING ALIAS' IF ANYONE CALLS YOU...ASK THEM FOR THEIR "REAL NAME"

REPORT THEM TO COREY MOHR..@ THE STATE ATTORNEY GENERALS OFFICE IN BUFFALO NY..HERE IS ALL THE INFO YOU NEED

Address:
Main Place Tower, Suite 300A
350 Main Street
Buffalo, New York 14202

Phone Number: (716)853-8400

Consumer Frauds Number: (716)853-8404

Fax Number: (716)853-8571

Office hours 8:30 a.m. to 6:00 p.m, Monday thru Friday.

I would suggest sending a letter to demand the end of all phone correspondence and make sure you send it certified. If they continue to call you after receiving the letter threaten to take THEM to court! They just broke the law!

over the years of paying bills i have always paid my bills and it is so sad to see people put bad comments on the internet about these collection companies but in all reality if you know you go out get these credit cards and dont pay them it should be a debtors jail for you cause now the economy is bad enough and you help add to the problems we face today i did collections and you scum who dont pay your bills should be held accountable for your actions so instead of avioding bill collectors just answer your phone and say times are ruff right now or i ran up he bill and now i am now paying so you dont receive so many calls and save your family members the hassle of these calls from bill collectors if you cant pay your bills on time dont open the account and steal that company money cause you are legally stealing from that bank or department store

YOU PEOPLE ARE REDICULOUS YOU ALL WANT PROOF OF SOMETHING YOU KNOW YOU OWE ,THEY ONLY HAVE TO PROVE THEY OWN YOU IRRESPOSIBILITY. STOP FINDING REASONS AND OTHER SCUMBAGS WHO HELP YOU FEEL BETTER ABOUT NOT PAYING YOUR BILLS WITH SOME SORT OF PROOF EXCUSE EVREY COLLECTION AGENCY HAS THE SAME LOSERS GIVING THE SAME PROOF EXCUSE ITS BECAUSE THESE FUKING BANKS CHARGE FOR S*** YOU SHOULDVE KEPT RECORD OF FROM DAY ONE YOU DEGENERATE LOSERS. PAY YOUR BILLS IF YOU GET BEHIND GET A JOB FIND OUT WHO HAS THEM AND WORK SOMETHING OUT INSTEAD OF WAITING 4 OR 5 YEARS THEN ACTING LIKE THEY FALL OFF OR NEVER EXISTED YOU PIECES OF S***.EVERY MOTHER, HUSBAND ,WIFE ,GRANDMOTHER IN THIS STUPID BLOG KNOWS THAT THERE RELATIVE OWES THE MONEY THESE PEOPLE CALLED ABOUT AND YOU POOR EXCUSES FOR PARENTS AND  ROLE MODELS PROBLKY NEVER TOLD THEM THEY GOT THE CALL CUZ YOUR S*** TOO. HOW WOULD YOU FUKIN IDIOTS FEEL IF YOU GAVE A LOAN TO YOUR NEIGHBOOR OR BEST FRIEND AND THEN THEY DISSAPEARED FOR 5 YEARS AND SAID PROVE I OWE YOU THAT MONEY THINK ABOUT IT ,,,,,,,THESE BANKS GIVE YOU MONEY CUZ YOUR TO UNDEREDUCATED OR LAZY TO MAKE ENOUGH MONEY TO AFFORD ANYONE THING AT ONCE, AND YEAH IT COMES WITH INTEREST BUT THATS THE PRICE YOU PAY FOR NOT SAVING YOUR MONEY OR DROPPING OUT OF SCHOOL,,,,AND THEN YOU TURN AROUND AND GET MAD THAT THEY WANT THERE MPNWY BACK YOU ALL S*** S*** S*** S***............AND BEFORE ANY OF YOU IRRESPONSIBLE DEBTORS SAY A WORD ,I MISPELLED NUMEROUS WORDS AND USED POOR PUNCTUATION THROUGHOUT THIS WHOLE POST BECAUSE IM TYPING FURIOUS AND FAST , DECENT HARDWORKING PEOPLE CANT GET HOMELOANS  BECAUSE OF S*** LIKE ALL OF YOU IN HERE, IF THIS POST MAKES YOU MAD I KNOW FOR SURE YOUR WASTING 30-60 BUCKS A MONTH ON HIGHSPEED INTERNET TO SURF THE WEB ON YOUR LAZY A** ALL DAY , MAYBE YOU SHOULD CUTBACK ON THE USELESS ENTERTAINMENT GET A FUKIN JOB AND CALL ONE OF THESE ROTTEN PEOPLE TRYIN TO GET YOU TO PAY YOUR BILLS YOU IRRATIONAL WORTHLESS S***..

THESE PEOPLE CALLED MY HOUSE AND LATER MY WIFE'S CELL PHONE.SOME MAN NAMED JASON SCOTT CALLED STATING HE WAS AN ATTORNEY AND ASKED FOR MY WIFE TO CALL HIM BACK REGARDING MY CASE.THIS MAN STATED HE HAD FILED A COMPLAINT AGAINST ME IN MY COUNTY.I CALLED THE COUNTY CLERK AND I WAS TOLD THEY HAD NO RECORD OF ANY CASES AGAINST ME.THIS IDIOT HAD THE NERVE TO TELL MY BROTHER-IN-LAW THAT I WAS GOING TO BE DEPORTED BACK TO MY COUNTRY OF ORIGEN AND THAT THERE WAS A WARRANT FOR MY ARREST.HE SAID I HAD TWO HOURS TO CONTACT HIM BEFORE I GET ARRESTED AND DEPORTED.WHAT THIS IDIOT DON'T KNOW IS THAT I AM AN AMERICAN CITIZEN AND AN OFFICER WITH THE TEXAS ATTORNEY GENERAL.IT'S SAD WHAT PEOPLE SAY AND DO IN ORDER TO MAKE MONEY THE ILLEGAL WAY.THEY SHOULD GET A REGULAR JOB JUST LIKE EVERYBODY ELSE.MAYBE IT'S THE MORENO GUY THE ONE WHO NEEDS TO BE DEPORTED BACK TO WHEREEVER HE'S FROM.

Mr. Andrew Davidson called me from Moreno and Woods.  He left a message stating that myself or my brother were to call him back, that a judgement was being made against us in 15 days.  He referred to us as Mr. and Mrs. so he apparently thought we were married.  When I returned his call he stated that I was the secondary on the account.  He gave me the phone number and account number to the original company.  I called the company and they told me that I was never listed on that account.  What Mr. Davidson did is a scam and it is illegal.

They have to give you the name of the company and the account number for which they are collecting.  Do NOT give them any information.  Do the research for yourself.  If they say that they filed a judgment against you, get the docket number, the date, the county and how you were notified.

I don't have a problem paying my debts, but they'd better be *MY* debts.

Got a message stating similar to what others have posted. Terry from Moreno and Woods calling about a "court case" and they are investigating it. Went on about all of the stuff--garnishment, fax it to the county court house. I am SOO happy for Google. I didn't think it was for real given the tone of the call, scare tactics, etc., but it is nice to get the confirmation that they are just con artists looking for a quick buck.

This company or someone from this number called my job on april 15, 2009. they recieved a fax number from an employee and faxed over job verification forms in order to get further information pertaining to my employment, salary, hire date, etc.  They have called my relatives, and constantly call my cell phone and home phone, which are both listed in the do not call registry.  They have also obtained access to my credit report. The person who calls refers to himself as J. Scott.

dear watcher,
you are full of s***

We received a phone call from Moreno and Woods and my husband was asked if he was related to my very dangerous exhusband of over 20 years ago.  I am in the process of finding out what I can do legally to take care of this problem.  This rant you have made is not consistant with my experience and the fact that an ex-husband of mine my potentially receive information from Moreno and Woods in their efforts to "collect a past debt".  This man threatened to kill me if he every found me with another man and I believe this to still be true.  So, if you feel that anything here is incorrect, prove it.  If not, stop using the All Caps button and spent more time learning how to type.

THESE PEOPLE CALLED EDLESSLY CLAIMING I OWED THOUSANDS AND ADVISED ME THEY WOULD SUE....THEY FIND OLD INFO AND USE IT FOR THESE SCAMS.DON'T FALL FOR IT  NO MATTER HOW MUCH INFO THEY HAVE ......OR HOW BELIEVABLE IT MAY SOUND.  JUST DON'T!!!!!!!!!!!!!!!  THEY SAY THEY'RE AN INVISTAGITIVE LAW FIRM OUT OF NEW YORK.

Shows you how desperate scumbags are to gain money. Drug users do steal for a living. They are trying to steal from you. Give moreno and woods nothing . Hey jimbo where you getting your next victim ? Not here.

I received a call from these jokers denying that they were a collection agency instead stating they were "investigators". They kept me on the phone for 30 minutes trying every angle insisting that my husband and I were responsible for a 28 year olds bills.
They tell me that she owes 4000 dollars and unless we pay up she is going to jail... first of all I seriously doubt that and secondly she is an adult and that is a lie, we are not responsible. There is only so much you can do for another person before drowning your self.
They knew her address but call my house and harrass me. This is against the law. I told him that and he denys it saying by continually saying we are responsible.  
These people are a joke and if they call me again, I'm turning them in for harrassment. They called the wrong person.

Remember, the scumbags at moreno and woods read this site. Hello there my beautiful lisa. They are no different than muslim terrorists. They cannot and will not serve you with papers or try to sue you. These are exconvict trying to scam you. Just hang up, only after you call them a name i cant write here.

ONE GOOD THING ABOUT BEING ON THE NET IS THAT YOU CAN QUICKLY FIND OUT THINGS ABOUT PEOPLE WHO LIE TO BENEFIT THEMSELVES OR ANY "CAUSE" THEY MAY HAVE!!!! I DON'T LIKE COLLECTION AGENCIES ANYMORE THAN THE NEXT PERSON. BUT EVERYDAY I READ THINGS THAT ARE VERY DISTURBING TO ME! MANY OF YOU COME HERE TO POST INFORMATION THAT IS, FOR THE MOST PART, ERRONEOUS! IT SEEMS TO ME THAT MOST OF YOU SEEM TO HAVE "AN AX TO GRIND", FOR ONE REASON OR ANOTHER. YOU WERE MOST LIKELY EX-COLLECTORS YOURSELVES, BUT WERE TERMINATED! I'VE SEEN WHAT YOU'RE DOING DONE MANY TIMES BEFORE, IN VARIOUS INDUSTRIES. YOU DO IT AS TO CAUSE TROUBLE FOR YOUR FORMER EMPLOYERS, OR TO CAUSE A SLOW-DOWN OR HALT IN THE INCOMES OF THOSE WHO MAY HAVE HURT YOU SOMETIME IN THE PAST. YOU (THINK) THAT WHAT YOU'RE DOING IS SOMEHOW "JUST." BUT IT'S NOT. INSTEAD OF HELPING THOSE INDIVIDUALS WHO ARE TRYING TO FIND GOOD INFORMATION ABOUT AGENCIES THAT MAY BE CALLING, YOU SPEND YOUR TIME PROVIDING HALF-ASSED INFO. YOU (YOURSELVES) ARE THE ONES WHO SHOULD BE ASHAMED! THOUGH COLLECTION AGENCIES MAY NOT BE OUR FAVORITE BUSINESSES, THEY DO HAVE A FUNCTION IN OUR SOCIETY. THEY ARE HERE TO GET BACK FUNDS THAT MAY BE OWED TO CREDITORS THAT [THEY] COULD NOT COLLECT THEMSELVES. LET'S CALL THOSE AGENCIES OUR COUNTRY'S "NECESSARY EVILS." BUT KEEP THE FOCUS ON (NECESSARY)! OUR ECONOMY IS BAD ENOUGH WITHOUT YOU CRAZIES GIVING OUT INFORMTION THAT COULD VERY WELL MAKE THINGS WORSE FOR THOSE IN DEBT! YA WANNA GIVE 'EM INFO? TELL THEM WHAT IT TAKES TO MAINTAIN GOOD CREDIT. TELL THEM THAT, IF THEY KNOW THAT THEY OWE, THEN THEY NEED TO FESS UP AND PAY WHAT'S OWED! DON'T GIVE THEM AN "OUT" BY ALLOWING THEM TO SAY..."I READ ON THE  NET THAT YOUR OFFICE WAS A FRAUD." OR ANY OF THE NUMEROUS BITS OF CRAP I READ EACH DAY! I SHOULD START POSTING THE REAL NAMES OF EVERYONE WHO POSTS A COMMENT IN THESE TYPES OF SITES! MAYBE THEN YOU'LL STOP DOING WHAT YOU DO!!!! BECAUSE, NOW, YOU'RE CUTTING INTO MY PROFITS!!!! I WRITE BOOKS ABOUT COLLECTIONS AND UNDERSTANDING COLLECTIONS. I'M WAAAAAAAAAAAAAAAAAAATCHING!!!!!

Received a few calls today My daughter and son also received calls from the same people on the same day. We live in two different states!! One man, a Mr. May, was very rude and nasty, especially when I called him back to let him know that I googled the phone number and read the messages that were posted!
Oh, and by the way......the bill he was trying to collect on is bogus, un- less it's some sort of identity theft, which we're looking into! We ran credit reports with all three companies and will keep those active for as long as necessary....these guys are scary and not to be trusted!