I got help from this company www.gocreditrefresh.com didn't pay a dime lol and they got them to stop calling. But if you have the necessary steps to stop them by filing a complaint. I would also suggest you communicate with the original creditor because the type of debts usually go from agency to agency and most of them resort to these harassing measures. Crazy though

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

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

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

Here's a link to their BBB profile:

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

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

Also Frank White or whatever name he's using nowadays has a wife dying of leukemia. Looks like Karma bit you in the butt scamster!

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

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

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

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

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

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

Here's a link to their BBB profile:

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

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

Also Frank White aka Patrick Callahan or whatever name he's using nowadays has a wife dying of leukemia. Looks like Karma bit you in the butt scamster!

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

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

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

This is the direct number for either Patrick Callahan, who claims to be either the CEO or a paralgal.

This is FS Mediation aka FS Law Group. This is the direct number for Patrick Callahan, who claims he is either the CEO or a paralegal.