Well Rosen & Loeb sued me, they won, they were garnishing my check. I turned around and took them to court because the information they had on me were wrong as far as the address goes, they called me, i tried to explain to them I didn't recieve the papers when the "Served" them, because that wasn't my address, the chick on the phone was rude as hell, called me a liar and said I signed for the papers. When I got to court the judge looked at all my bills and ID saw my real address, they stopped the garnishment, but I have to pay them $50 a month....look like i will be paying them for the rest of my life, because of the high as interest rates....jsmdh

I just received a call from the number 1-800-370-4508 ext. 2108. The man that called is named "Robert". He called for my brother in law about something regarding legal. I decided to look up the number and I came across this.

I just received a call from 818-970-5866. I didn't answer. Received a VM from a Anne White saying that I would need to contact her at 800-370-4508. I have been receiving calls from all kinds of numbers on my cell phone. I do have debt, but I have already made payment arrangements with the original debtors.

Most recently, I kept receiving a call from someone named "Denise Brown" saying that she had court papers in her office that needed my signature. If I didn't call back right away, someone would be out to deliver papers to my home or place of employment. Last Monday, I received a call from her and I looked up the number because it looked like a local number, and it was a number to a pay phone! WTF!

So, I took it upon myself to contact the Federal Trade Commission to file a report about all the phone calls I had been receiving. There is now an investigation on my behalf to make sure that I am not a victim of fraud. I have also contacted the credit bureaus and set up fraud alerts through TransUnion, Equifax, and Experian. It might be a good thing if more people contact the FTC and the credit bureaus to report fraud. We should not stand by and let these monsters bully us!

This company left a message with my old home phone number.  My ex called me to give me the number and company which matches the company and number above.  they did not leave a message other than they want me to call.

How do I stop this??

Received a phone call from 818-907-5866 came up on my caller ID they also called  my husband's cell phone.  However, the asked for my husband's ex wife.  They left the call back number as 800-370-4508 ext. 2121.  I called and put the extension he, as the person leaving the message did not leave his name, the name to the extension identified with a Michael Taylor.  Mr. Taylor called my home again looking for my husband's ex wife, I told him this was not her number and that she has never lived here.  I asked him how did he get this number he said by doing a background check on the ex.

Rosen & Loeb are related to North American Collectors, Inc. Yes its true they are DEBT COLLECTORS. When they call they don't say that they are calling from a collection agency. Instead they use forceful tactics to SCARE you into getting to call them back so you will admit that they debt is yours. They always address themselves as "So and So" from Rosen & Loeb law firm and they have something that needs urgent attention. I have had 2 calls and 1 letter from them with sketchy details, over the past 2 months. Yet they claim that they are "trying to help me". Yeah right. I know for a FACT that my account(s) are "Time-Barred Debts". But they don't realize that I know time is almost running out for them to legally collect the debt. Regardless, I know my rights and you should to!!

Rosen & Loeb Law Offices
16000 Ventura Blvd # 1150
Encino, CA 91436-4496
(818) 907-5866

Collectors have a limited time to file lawsuits over unpaid card debts. Notes: The chart below (click the link) shows the time limit on written contracts or open-ended, revolving credit accounts such as credit card agreements. Many state laws and codes do not refer specifically to "credit cards" or "credit card agreements." Instead, the statutes may use the general terms "written contracts" or "open accounts." State laws are subject to change. Court decisions regarding limitations on the right to file suit may alter state laws; those rulings may then be overturned.

http://www.creditcards.com/credit-card-news/c ... ations-1282.php

What a statute of limitations is, how it works: Creditors and debt collectors have a limited time window in which to sue debtors for nonpayment of credit card bills. That limit is set by a state's statute of limitations. Anyone with credit card debt should know their state's statute.

"In most states, the statute of limitations period on debts is between three and 10 years; in some states, the period is longer," according to the U.S. Federal Trade Commisison (FTC). Debts that have lingered longer than the statutes allow are often referred to as "time-barred debts."

http://www.creditcards.com/glossary/term-timebarred-debt.php

Time-Barred debt: "If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred," according to the FTC. Debt collectors and consumer advocates, however, caution that the statute of limitations (SOL) does not prevent debt collectors from attempting to collect on debts. They just cannot successfully sue to collect the debts -- assuming the debtor shows up in court to assert his or her rights.

"A debt collector may not threaten to sue on a time-barred account," says Rozanne Andersen, general counsel of ACA International, the largest debt collection industry trade group. "The request to pay a debt after the SOL has expired is legal."

Mary Spector, an associate law professor at Southern Methodist University's Dedman School of Law in Dallas, says many consumers ignore court notices about old debts and end up losing cases that might otherwise be thrown out of court because the statute of limitations has run out. "In Texas, it's usually up to the defendant to show that the debt is time-barred under the statute of limitations," Spector says. Her advice: Don't ignore the court papers and get a consumer lawyer to represent you.

Court rulings may take precedence: The uncertainty arises because although a state may have laws or codes governing the time limits for filing civil suit regarding contracts, court rulings may take precedence and make the effective statute of limitations for consumer contracts or debts earlier or later than state law. That was the case in Georgia in January 2008, when a Georgia Court of Appeals ruled (in Hill v. American Express) that the statute of limitations on an unpaid credit card debt was six years. The Georgia code sets the limit on open-ended accounts at four years. This means that if a creditor files a lawsuit against a debtor in that state, the six-year SOL would likely prevail in that court case.

There are other reasons why the time limit on debt collection lawsuits may not be clear in every case. The statute of limitations may depend on whether credit cards and the agreements that govern them are considered written or unwritten contracts or open accounts. A state law may set different statutes of limitations based on the type of contract involved. Those who attempt to get clarification from state attorneys generals are told to consult an attorney for a legal opinion, and attorneys' opinions vary.

Federal law: The Fair Debt Collection Practices Act, the federal law that governs how and when debt collectors can contact consumers and collect on unpaid bills, dictates where legal action on debts can be filed. According to Section 811 of the law, debt collectors may file suit only in the jurisdiction where the "consumer signed the contract" or where the consumer lives.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
http://www.creditcards.com/credit-card-news/f ... es-act-5125.php

Some credit card agreements may stipulate that the laws governing the home state of the issuer determine the terms and major provisions of the contract. That means that if the credit cardholder lives in Maine, but the issuer is based in Delaware, the Delaware statute of limitations may apply. Do not confuse the statute of limitations with the length of time that a debt may remain on a credit report. A bankruptcy, for instance, will remain on a credit report for 10 years regardless of the statute of limitations. If a creditor successfully wins a judgment for payment of a debt, that information can remain on a credit report for seven years.

When does the clock start to tick? It may vary by state, but generally the statute of limitations begins when a credit card account becomes delinquent -- the date of the last payment. However, in some states the clock begins to tick six months after the last payment. To determine the deadline to file suit on the debt, add the number of years of the statute of limitations to the start time.

Consumers should be aware of a practice called re-aging of old debts. The clock on the statute of limitations may start anew if a consumer makes a payment -- even a small amount -- on a debt that has exceeded or is approaching the end of the statute of limitations. Acknowledging an old debt may also extend the time limit on potential debt collection lawsuits. Consumer advocates now advise debtors not to acknowledge old debts or debts they don't recognize as their own to avoid inadvertently resetting the clock on the statute of limitations.

"Any new activity on it could re-age it  and make it more collectable," says Lauren Saunders, managing attorney for the National Consumer Law Center, a consumer rights group. "You're better off ignoring a call about an ancient debt. It's best to send them a letter saying I don't recognize this or please verify it."

Read more: http://www.creditcards.com/credit-card-news/c ... ations-1282.php and use this link also http://www.creditcards.com/credit-card-news/5 ... olders-1377.php

I got a call from someone here at this office and it actually ended up being a pretty civil conversation.  No attempt to strong arm me in to anything, no lying about anything.  I just took a deep breath before the call and calmly went over the facts of the matter and what I'm going to do to remedy the situation (Chapter 7 BK)

Some of the posts here are just ridiculous.  The interest rate you can be charged on a delinquent debt is limited by state law.  

Debt collection laws are pretty cut and dry.  Get educated, get a voice recorder and a log book.  Instead of getting all anxious about whatever they say, just keep a good record of what happens and for the love of God just stay calm.  The information you need to protect yourself and your assets is easily available.  Also when in doubt and you really are unable to pay, you can get an attorney.  They even have attorneys pro bono in lots of major areas who can help you out if your income qualifies.

Look... Yes this is a law firm... Yes they can sue for a judgment.. But you have to be notified that they have the debt and give you 30 days to respond.  They will call you to remind you that they are representing a creditor.  If you just ignore this and don't bother going to the post office to send your responses via certified mail.. then you deserve to get sued.  Dealing with debt collectors is easy... making it difficult is your own fault and a symptom of pure laziness.

Page 807 of the FDCPA
Bullet #3 CLEARLY STATES
"The false representation or implication that any individual is an attorney or that any communication is from an attorney"
Is considered harassment and is against the law. So this place is in violation of the FDCPA.

I have had a "Jane" from here clearly leave voicemails saying there is a lawsuit against me and blah blah blah... IF THIS WERE TRUE, BY LAW THEY HAVE TO SERVE PAPERS and not call every single day.
They are trying to scare you. DO NOT EVER ADMIT TO OWING THEM MONEY OVER THE PHONE. If your debt is over the statue of limitations in your state, they cannot take you to court. BUT, if its over the statue of limitations and you then ADMIT to owing them the debt, or agree to make payments, or give them a single penny... then that statue of limitations starts over.
THIS is why they try to scare you. They scare you into making a payment, so they can THEN have the option of taking you to court. It is against the FTC for them to garnish wages without first having taken you to court.
If you ARE taked to court, show up! Fight them. Keep track of all there calls. Send them letters asking them to stop contacting you  WITH RETURN RECEIPT REQUESTED so you have proof they received it. Keep all these in a file and bring them to that court date and fight them. 99% of the time, the judge with throw out there case because they don't have enough info or proof. BUT if you don't show up, they automatically win. Once they throw out the case, they can NEVER sue or contact you again.
It advices that when they call you clearly state "The statue of limitations has run on this debt and do not contact me again." and hang up. If they continue to call, send them the certified, receipt requested letter, stating the same.

These people are not worth the stress.

Report them to the FTC

I just learned all of this info yesterday (via the ftc official website)
and I am calling them tuesday morning (holiday weekend, they are closed) to report this "rosen and loab" place.
Anyone else who feels they are being harrassed (which sounds like everyone above) the number to call the FTC (Federal Trade Commission) FDCPA (Fair Debt Collection Practices Act) line, the toll free number is
1-877-FTC-HELP.
If we all report this place, the FTC will have no option but to take action against them.

The Offices of Rosen and Lobe

Such dedication, working late on Easter. The only decision he's made all day is whether to take his smoke break in his car or near the dumpsters. This I expect is meant to sound like a wage garnishment threat without actually saying the words, thus skirting FDCPA.

I just got a message on my phone from Mike Tayler telling me that they have made a decission and they were working with my employer. He said I should call him rather than waiting the last minute.

I also am a victim of this company who says they are a law firm.

received voice mail asked for both my husbands and myselfs name he did not leave his

I got phone call from a Michael Taylor recently. He didn't leave any information about why he called. Just said he is from a law office and has important matter to talk to me. I checked this forum, and seems this law office is fishy.  It seems that he didn't even get the name correct, and we surely do not have any unpaid debt. I always pay my credit card on time, and my credit report is perfect. Should I bother to call back? I read scary stories that these guys can fake record and get a default judgement even without informing you.
I don't want to pay for a debt that I never owe.

Thanks for the Format letter.  I also found this letter at other we sites also.  So thanks for turning me on to this.

Rene Called me like 20 Times and left messages . WHY? HAVE NO IDEA BUT ILL MAKE SURE MY GUY WILL RETURN THAT CALL.

Got a call from this people, Rene Lorance, she was trying to contact someone else, at my phone number.  

It is concerning what they do with the information.

Oh great! I just received a call from "Michael Taylor" at that supposed Rosen and Loeb attorneys at law. I'll be copying and pasting the example letter tomorrow, and give myself more time.

Ive been getting calls from this law office.  The first call I told the person they should not contact me at my job.  They have my cell number.  Well The man I talked to hung up on me and called my cell 2 minutes later.  I didnt answer.  Then yesterday Michael called my job.  I told him that I dont want him calling me there and he said he is not represting who ever called me the other day! However its the same office.  He has been calling my job and yelling at me saying things like "Do you want to get sued Lady! Is that what you want!.  I told him to not call me at my job and had to tell him i was hanging up because he was yelling at me.  Then he left a message on my cell.  ANyway I have a feeling these people are shady.  The keep telling me they are going to sue me.  Im just waiting to get served and at this point I will just have to go to court and figuere out how to pay then.  I owe the debt, I just dont have the cash to pay them now.  Im going to send them that stop calling letter and let them know that they can only contact me via mail.  Im scared that they will sue me but I dont trust these people.  Anyone have any suggestions?  Should I do some payment plan with them?  Has anyoen delt with them???

I GOT A CALL FROM THEM TOO. IS THERE A WAY TO SOME HOW AVOID THEM? DO THEY REALLY SUE YOU IF YOU IGNORE THEIR CALLS OR NOT PAY THEM WHAT THEY ASK YOU TO PAY?

Rosen And Loeb, Attorneys
15233 Ventura Blvd .
Sherman Oaks, CA 91403-2201  
818-783-6473

Send them this letter VIA certified mail with return receipt requested DEMANDING validation of this alledged debt. Keep copies of everything you send. Per the FDCPA they have five days to respond. If they continue calling or attempt to obtain a judgment against you without providing proof that you legitimately owe it, you can sue them for statutory damages.

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 got a call from David and he was extreamly rude. He said I owe some money to credit card, which is not true, I never had that card before. He told me all my information and etc. I dont know how to deal with him. Try to explain that its mistake and I have no idea what he is talking about, but he gave me a few days to find money and pay $1500. I just back to work from maternity leave, no way I can find such money to pay him! I need advise how to handle this situation.

This person David just left me a message from this number.  He did not leave his company name or why he called me. How rude!!I  Then, I had to look up the number online.  I do not owe any money to anyone.  I have no idea a why the collection agency have mu cell phone number.

They cannot make payment arrangements that do not pay off the debt.  They should stop interest accruals.  Also there is a time limit for the payoff t occur.  Check  with an attorney and sue the b*****ds.

they are trying to collect a debt from me also I had to come up with $700 to stop them from taking me to court and doing a wage garnishment, now I am paying $100 a month bjut my interst is like $300 a month so I will never get this paid off, do you think they are a straight company??

I understand I closed an account with a balance of $1,800.00 at the time I offer the bank $1,600.00 and they refused to take the money, instead I went to collections. I was unable to pay the full amount and today the balance is over $25,000.00

Law office of Rosen and Lobe has prevented me from working because they had place a background on me and since every company checks backgrounds I don't get the job. How do they expect for a person to pay their debt if they Rosen and Lobe Attorney's at Law prevents the person from earning a penny.

Someone for this law firm has been calling our home trying to get info on our son,whom has lost his job and home.We are NOT giving them any info. Just keep telling them to STOP calling us.

I got a call at my office also from someong by the name of Michael Taylor from this number. Several calls within a couple of hours!

This person called me he used the alias Michael Taylor and threatened to sue me. He said that I would be searved at work and tried to get my bank information. This agency had no right to call my place of employment and treaten to sue me. Watch out for these predators.-Unknown

A law firm by the name of Rosen and Lobe