I received a call from Monarch Resolution asking for a person that does not live at my address.  The man spoke to me as if he knew me.  This is insane.

They keep calling numbers that don't belong to me.

yeah they are they are a law firm called burres Michael and kane

I got a voice mail from someone at this number but the name sounded something like Bruner and ...(I didn't catch the rest) telling me that they had to speak to me about an inportant matter regarding my ss# and the county in which I live in.  And that they were "required" by the "laws" in my county to contact all known phone numbers that were attached to my name.  Could this be a bottom feeder collection agency collecting for an illegal payday loan?

Don't feel bad. I fell for the same BS too but i have only sent them 131 bucks and that is all that i am sending them. Thank you guys and I do plan on filing a case if need be

LAMET GO GET UR MOTHER OFF AGAIN---U HOMO ---PAY UR BILLS SCUMBAG LOSER--

HI, i am a former employee of tri financial and I will give everyone here all the details about Tri fi.

Tri financial was forced to close down the owners John Yim, chris Morrow, and mr.Hummle descided to open up 2 new collection agencies known as Monarch Resolution, and eclipse. Bolth operated out of North Tonowanda New york.

Typical message left Hi this is Miss...Clams processor at Monarch resolutions i am calling you in regards to a pending civil matter in your name and social security number. Im going to need for you to give me a call back at 18007483513 ext 235, 226, 248 ect.

This company is extreamly fraudulent and comploetly out of line in everything they do.

They say they will forward paperwork to the county clerks office, or have paper work served to your house, or job by the local sherrifs department this is completly untrue, and honestly there is no way they can do this.

So if Monarch resolutions or eclips ever calls your house just ignore them or tell them its the wrong number and hang up they will give up eventually

On 11/17/09-I received a call from Chris Berenstein with this number stating he was from brewers, michaels, and kane through way of my sister in law....stating a fraud case against me and I should call by the end of the day to settle this case or they would file arrest summons in my county by the end of the day....I called and speaking with them, of course they denied breaching any privacy laws (giving information to someone other than the intended individual), just fresh from dental surgery I set up payment arrangements provided they email me account information with payment arrangement agreement in writing-they did...I then requested that I be mailed the hard copy of the original demand letter from the original creditor after being contacted by another collection agency in the same area for the same alleged account....I have never received the demand letter and now the toll free# 1-888-774-1338 is no longer in service...I'm contacting my pre-paid legal counsel...today.....

wow alot of info thank u what about steven j baum that works with them is he as shady as them ? need all the info i can get email me slayride67@gmail.com

These clowns have been calling me on a weekly basis on my cell phone. The message they leave is that I am being sued for fraud, they have the last four digits of my SSN, and they need my address to serve me with legal papers. The caller (some guy) claims to be an attorney but doesn't give his name. He claims to work for Brewer, Michaels, and Kane, Attorneys.

I haven't taken their call yet, but I did file a report with the FTC.

716-957-3064 called me but left msg saying to call back 888-744-1338....For months i have been recieving threatning calls and messages from company called BREWER ,MICHAELS, AND KAIN. today i was left a msg by jacob to call him back immeditaly before he recommended that the state process a fraud affidavit against me. I called back and once transferred to him he said if my file had gotten up to him it was very bad. and because it was from a differnt state(I live in florida) it was civil or something that made it sound im going to prison and then started to go on how i wrote bad check and it was a maliscious fraud He said his office is in new york and said i owed him money from a pay day loan from years ago in which i thought i had paid. I started to explain that, and he was quick to  say that theres no reason to discuss , and that either i pay now or else Hes recommending that they file civil suit against me or some bs. He knew everything about me . where i work, last 4 of social,etc. I started to cry  once he stated i owed 1700 immediatly(which the pay day loan i had years ago was for 400). he started asking questions about my income(if i get ssi,food stamps,child support) and if i have bounced a check in the last 30days. he said because i have a kid and big ammount owed  he can ask his manager if i promise to pay by end of month if he can lower amount.he said no guarantees but hel check, He came back on the phone within 35 seconds and said if i paid 750$ it would put me in good standings. He said i could pay off with 3 diff checks (one check for the next 3 fridays) he said he was going to transfer me to the secure government line where they record me sying my checking info and giving permission to take the money out.i started asking what if i pay off before the 3rd friday he said it doesnt matter but i MUST give permission to take out 3 checks but i can call back and change it later. he also said it doesnt matter what i pay fr the 3 fridays as long as i.ts paid off my the end of monthBefore he transferred me i asked whats the name of company i owed and his company name, he said it extremly fast and i had to ask to repeat 4 more times(still dont know name of company i "owe")he was annoyed by me asking, something sounded fishy and made me want to hurry up and google brewer,michaels,kain and it said FRAUD EVERYWHERE ON GOOGLE. so when i was "transferred" and a new guy came on phone i said that i happend to google name and it said to not give that company money, he started stuttering saying ahhh nooo, not us, were umm a liscenced and a hold a second let me transfer you back to jacob. i hung up. immediatly after the same man(same voice) but with a diff name JIM LINCOLN left 2 voice mails wishing me the best of luck and he hopes i call back by 12 am tomorrow before he recommends the affidavit and start civil action. This CANNOT be for real?? what should I do? Iv read numerous blogs and such on the internet saying they experianced the same things.. If someone could please get back to me! I wrote attorney gen office too

Vision Credit Solutions, LLC

Aka/CNE Associates, LLC
Aka/Tri-Financial, LLC

(A part of the Mackinnon group of  collectors)
4244 Ridge Lea Rd., #6
Amherst, NY 14226
PO Box 216, North Tonawanda, NY 14120

COMPLAINTS HERE  

Pretending to be Attorneys: Brewer, Michaels and Kane

  Head Debt Collector:

Jamie P. Belstad, President

Jon Hummel

Chris Morrow, Director of Operations

EVP John D. Yim

www.tri-financial.net
   

Sample of Affidavit by John Yim



888-580-4441 (CDS)
Clear Debt Solutions
Phone: 877-572-7572
716-831-9670
877-268-9286             888-774-1338
877-268-9286     716-957-3005

716-694-5970

Fax: 716-694-5972

Fax: 716-831-9679

Web Address: www.vision-credit.com



--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below



Here we go again?another slimy, illegal bottom feeder operation has popped up in Buffalo, NY trying to collect on old, worthless, out of statute debts. Owner Jamie P. Belstadt, a retread of the collection business is trying to collect on debts that are 8+ years old. The documents we saw appear to have been produced by a second grader.

John D. Yim, 36, of North Tonawanda, NY, Vice President of another junk debt buyer called CNE Associates; LLC is churning out the phony documents. Vision Credit Solutions, LLC and CNE Associates, LLC show NOT to have any debt collection license or Surety Bond in any state we checked.

In his phony paperwork, collector Yim refers to the consumer as a ?defendant? which appears to violate federal law. His ridiculous form would be better suited as toilet paper than anything worthy of validity. It is pure garbage, nothing he states is true, he makes statements that false, misleading and appear to violate federal law, the Fair Debt Collection Practices Act.

All of these bogus organizations are nothing more than smoke and mirrors to intimidate, harass, lie and mislead consumers into thinking they owe money on worthless accounts. This is typical ?Buffalo Style? debt collections that we?ve seen dozens of times.

These organizations are operating illegally, the accounts have no validity, and the statements they make are false, misleading and ripe with lies. John D. Yim has no idea of what he is doing; Vision Credit (started April 2008) and owner Jamie P. Belstadt are as illegal as all the other affiliated organizations collectively known as the Mackinnon group out of Buffalo. See http://www.budhibbs.com/giove  

Save your money, these creeps are new players at the old con game; expect the usual threats of pending litigation, posing as lawyers, police and court officials. No one should fall for this scam. If Vision Credit Solutions, CNE Associates or Tri-Financial contacts you, contact us for assistance and referral to a local consumer law professional.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.
COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY
Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

RECEIVED  A PHONE CALL THREATENING ME-MICHAEL LEWIS, STEVE EATON

A guy by the name of Stan Matthews just called me TODAY, 3/25/2009!!!  Said the same things to me... SAME EXACT things...word for word!  Except he said I now owe $2900 for a $495 pay day loan debt.  Scared me to death too!!!  But I havent set up anything with him yet.  Then he said they will settle for $939.33.   Havent given him an answer yet or any kind of payment arrangements.  Told him I'll call him back sometime today after I talk to my husband.  I told him to email me this info, which they did, but still...after reading everyone's complaints about these people....now Im having 2nd thoughts about them!!  They can take me to Court & then if that occurs...THEN I will pay back what I owe!!

Ok, I'm realizing now I made a HUGE mistake in setting up payment arrangement swith these people today.  They scared the living crap out of me saying an old debt from 7/08 was never settled and an affidavit has been filed for malicious intent and theft of goods and services and somehow this payday loan that didn't get paid for $300 is now up to $1,751.55!  Of course I immediately freaked out and scrambled to try and get payments set up to get this paid off as this Stan guy made it sound like I was going to jail if I don't pay this!  I'm not an idiot but certainly wasn't thinking clearly with the fear they put into me.

Any advice on what to do from here would be very helpful as I set up payment arrangements with these clowns today to start on March 4th!!

Called for somebody using my name and other detail for fraud and do u know him. If u say No then they say that u r lair and stupid arguments. I would suggest to report to federal agency as they use anyone name and number and if matching with your last name somewhere they just makes call. When they called said that this Michael and when u call them back says  there is No Michael in office. Yeah they do ask for case number...

Folks- i am getting contacted by these folks as well. Have sent a cease and desist- PLEASE FILE AN FTC COMPLAINT. It's EASY and only takes a few minutes.

We need them to be reported, because the FTC only investigates when there is a group of complaints for a class action suit.

Thank you!!!

FEDER TRADE COMMISSION CONTACT information to file a claim Phone: Call our toll-free helpline: 1-877-FTC-HELP (1-877-382-4357);
TTY: 1-866-653-4261

http://profile.myspace.com/index.cfm?fuseaction=user.viewprofile&friendid=203801847

THIS IS JON HUMMEL'S MYSPACE PAGE

sort of off the subject...while in school, i worked for jon hummel and chris morrow.  im not sure where to start. hummel is the biggest scum bag ive ever met..he has disgusting teeth, and his breath is gross.  every other friday when he gets paid, he goes out and buys coke and pain pills...that is why he lives paycheck to paycheck. you should have seen the p.o.s. saturn he was driving around..they have no attorneys associated with them, all this legal talk is bs that thugs pass to thugs. if you were inside one of these offices and saw the scum bags that work there, you would laugh your @@@ off. in the larger agencies, they do have college students that work part time, but in the ones like trifinancial, its all scum.  sean millard is shawn miller...lockport scum..i love reading these posts and seeing the names that are still circulating around in the black hole known as collections. right before chris morrow quit redline, he was living as a tenant in one of his subordinates homes..he quit, and the first day he was gone, she comes into work all pissed off because he was supposed to pay the electricity(his dumb college student g/f even gave him the money to pay it), and now the electrictity was turned off   hahahahahahahhaah

These thugs knew EXACTLY what they were doing, when they called you at 7:00 AM, which is a BLATANT violation of Section 805 of the FDCPA:

§ 805.  Communication in connection with debt collection   [15 USC 1692c]

(a) COMMUNICATION WITH THE CONSUMER GENERALLY.  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location...

http://www.creditinfocenter.com/legal/FDCPA.shtml#805

Stay OFF the phone and send them a letter demanding that they validate the debt they are calling about. Send it VIA certified mail and request a return receipt:

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

I received a call this morning at 655 am.  I asked how they got my cell phone number and I got no answer to that.  I also asked who the originally creditor in the debt that I was going to be sued over.  I was told it was some company that I have never had an account with.  It is also well outside of the statute of limitations for Washington state.  I was so sleepy and confused at the time.  I asked them to fax me paper concerning this matter. When I got the fax it said I owed 3500 dollars for some debt to compucredit.  I have never had an account with compucredit.  I was told that I must have bought a computer or something and never paid for it.  THis is absolutly no true!  I was told that he needed to talk to his supervisor.  This guy gets on the phone about 1 second later with a response to my questions.  I was told that I had to prove that I had paid off my old computer with Compucredit.  I look online and find out that Compucredit does credit cards! Not computers! I have never had a compucredit card or a card by any one of their subsidararies.  I am supposed to be charged with theft of services, malicious theft, and some other civil crime that I cannot remember since it was so early in the morning.  When I mentioned the time the guy was said he would have to call me later to discuss the issue.  He did not realize that it was so early in the morning in Washington.

They are trying to hassle me in paying toward a long-time debt calling themselves legal aids. The calls continue to come.

You can file a complaint with the FTC on-line at:

https://www.ftccomplaintassistant.gov/

If the FTC gets enough complaints, they will actually do something about it.  Also, you can complain to the New York Attorney General's Office:

http://www.oag.state.ny.us/complaints/complaints.html

I had the same call ralated to somebody who lived with me in the past. I call this harrasment. I do not have any legal knowledge or experience. But I will be more than happy people guide me how file complain or report them.

Some scum bags from "Brewer, Michaels and Kane" called me recently.  First, the person who called me said that they weren't a debt collection agency but wanted to verify information regarding a matter.  Then the guy launches into about how I was going to be subject to a law suit for a debt and that they were alleging malicious fraud and this is the matter he wanted to verify.  So, I asked who was bringing this law suit?  After some more BS, he admits they are the ones supposedly bringing this lawsuit.  So why call me acting like they are doing me a favor in order just to let me know they are bringing supposedly bringing a lawsuit?  And if they were bringing a lawsuit, that would make them a debt collector contrary to his first assertion that they were not.  

I immediately stated I wanted a debt validation (as required under the FDCPA) and I was transferred to someone who was supposedly a "paralegal".  This loser immediately launches into how they were going to file on a debt in a CT court, and were going to file an affidavit of malicious fraud.  This is a joke.  First, I don't have sufficient contact with CT for CT courts to even have personal jurisdiction over me for a civil suit.  Second, how are they going to allege much less prove malicious fraud over a debt that was over 7 years old?  Of course, when I asked about this, I was immediately subject to verbal abuse and threats.  The "paralegal" kept chiming "You are going to be sued.  Congratulations."  Blah blah blah.  The debt they claimed I owed on was over seven years old and far outside the statute of limitations.

These people are a joke, and they rely of outlandish and illegal tactics to intimidate people to pay on debts their either don't owe or are so old that the debt is legally uncollectable.  I doubt these people even have a legal right to collect on these debts even if the debts do exist.  Besides retaining an attorney, I filed compaints against this company with the FTC and the New York Attorney General's Office.

Tomorrow I'll be calling the criminal enforcement division at the New York Attorney General's Office to see what can get done about criminal charges for fraud being brought against these people.

I've been reading these boards off and on since February, when I first got contacted by "Tri-Financial". I wish I had researched up on them before that time. They called about a credit card that I had when I was 17, and I am not 26. They claimed I owed roughly $3,500, but mind you I have never had a large credit card. They also gave an address that I never lived at, it was my mothers address, not mine. Anyway, I kep trying to explain this to them, but they would NOT listen to anything I had to say. So, after calling and harassing me, I decided to just settle the debt for $1,500. I sent USPS Money orders in the amount via certified mail, so I would have a return receipt. About a week later I received the return slipped where it has been signed for by a Chris Morrow. I called them asking for a letter where I had paid the debt off, and I never received one. Well, 7 months have gone by and I get a call the other day from a place called, "Brewer, Michaels and Kane, suppose to be attorneys. They call and leave a message saying I need to call them back, because I had a case against me getting ready to go to court. So, none the less I call back and they are trying to claim I owe the debt that I had just paid to Tri Financial 7 months ago. So, I go into detail and tell them this debt has been paid off. Well, they said I need a letter from "Tri-Financial" saying that it had been, and that any other paperwork that I has was not good enough. I then called "Tri-Financial and they are of no help with anything, so I called them back today and got hung up on one time. Then the second time I call I talk to a woman and she said she will send the letter. I then call "Brewer, Michaels and Kane" after I have done all of this, and tell them I know they are connected to "Tri-Financial" , and they respond with "they collect debts for them". I ask how they could collect something that had already been paid off. The guy I was talking to says he will connect me to a paralegal, then comes back and says they're in a meeting. So, I ask for their BAR number and he says I have no idea. Then from there, he says he will call "Tri-Financial" for the information, and call me back. Well, needless to say he has never called back, and I am going to keep calling them just to piss them off. I will be getting a lawyer to take these low life, scum of the earth scam artist to court. I suggest no one even tries to deal with them, they are uneducated, and worthless low lifes, trying to scam money out of anyone they can.

On Friday I recieved a call from this place again only this time I got the name - it is Brewer, Michaels & Kane and according to Budd Hibbs they are the scum of the earth!  Today I received a letter from them demanding roughly $1800 by August 29 to settle a debt.  The debt being 31k owed to a collection agency known as CNE Associates- original creditor being known as "Pay Day Loans" - I haven't seen pigs fly yet - if you know what I mean!  VERY VERY BAD PEOPLE!  I am reporting them to my AG, and the AG in New York along with any other agency that I can think of including the FBI.

I just check these scum bags out on Bud Hibbs - here is the link to his take on them:
http://budhibbs.com/debtcollectorpages/tri_financial.htm

What ended up happening with this case?