Have you ever heard of people getting their identy stolen and having bills that are in their name that they did not do. Guess what it happened to me and it took me a long time to prove that I was not the person who made charges that I was accused of doing. I had charges at Auto Trader that I did not do; when I showed them information that was not matching what they had by, zip code different etc; they had an old address that I di not live at for the last 6 years  they refunded me all of the money that they say I ran up to a tune of $500.00; all od the mail that they were sending was going there. I would never spend money for something that I can do my self for free. So when people get calls or documents in the mail that they owe money to someone does not mean that it is theirs....

Here are the 4 main people responsible for running this major scam operation:

Dwayne Baidy
Shanaya Davis
John Davis
Julius Golden

It's also important to mention that "Jeff Green" is the name of the person who contacted me by phone. I do not know if that is a real person, but I believe it's one of the people listed above using a fake name.

I was able to find out detailed information about both Dwayne Baidy who appears to be the main person running the show. Dwayne registered the domain name "legalmediationsfirm.com" with the following information:

Dwayne Baidy
1444 Cesery Blvd
Jacksonville, FL 32211
Phone: +1.9043798734
Email: fieldcreditinc@gmail.com

However, the information listed above is their official business information. Here is a short biography and the contact information for Dwayne Baidy:

Dwayne Baidy actually lives at 837 Aries Rd W in Jacksonville, FL with the phone number 413-732-3336 - you can feel free to call him and complain about his unethical business practices. He graduated in the Class of 1988 at Springfield Central High and then attended the University of Memphis. He was born in Springfield, Massachusetts. You can view his FaceBook page here: https://www.facebook.com/dbaidy - let's all make sure his friends and family know what he's been up to.

I was also able to track down the contact information for Julius Golden to these addresses:
11667 Jerry Adams Ct, Jacksonville, FL 32218-2960
2766 King Cole Dr, Jacksonville, FL 32209-2829

IF YOU ARE CONTACTED BY ANY OF THE COMPANIES OR PEOPLE LISTED ABOVE, DO NOT SEND THEM ANY MONEY!

Please get in touch with the following agencies and point them in the direction of this post if you've been contacted by them:

Jacksonville Sheriff's Office - 904-630-0500 or JSOCrimeTips@jaxsheriff.org
Federal Trade Commission - https://www.ftccomplaintassistant.gov/
Florida Attorney General - http://myfloridalegal.com/contact.nsf/contact?Open&Section=Citizen_Services

Also, don't forget to contact the Attorney General in your state as well as your local police department. IT DOESN'T MATTER IF YOU OWE A DEBT OR NOT. This company is clearly a scam and most likely does not have the right to collect your debt. They've most likely obtained the list they are calling illegally since I know for a fact that I owe absolutely no debts.

You can read more about the debt collection laws here: http://www.consumer.ftc.gov/articles/0149-debt-collection

If anyone is interested in purusing a class action lawsuit against these individuals, I would be more than happy to provide the money needed to make it happen. I can be contacted at the following email address: (((email redacted)))

NOTE TO THE SCAMMERS:  At some point in time, I'm sure the individuals listed above will come across this post.  When you do, I want you to realize that continusing to call people and trying to collect false debts will result in more posts like this being made by me.  I found the information above within about an hour - imagine what could be found if I got bored and spent all week researching you.

You are not an attorney! You are or someone who works for  Dwayne Baidy who lives at 837 Aries Rd W in Jacksonville, FL  phone number 413-732-3336   I think everyone should start calling you!  Dick!

You are one of the scammers!!!  
Dwayne Baidy
Shanaya Davis
John Davis
Julius Golden
Hope you get indicted!  You are scammers from Florida!  You hate when I cuss you out and call you f****ng scammers!  You should check your moral compass!!!  You scam people for a living!

Or simply put, you guys should pay your bils Whether these companies are a scam or not is immaterial. who was the one who took out the loan? IM sure they didnt make you?

Stop judging. You probable got plenty a dirt in ur closet too

This company is a SCAM. How I know because I know some people who actually worked for this POS company and when we realized what going on the "OWNER" let them go. The Owners of this "company" Name is Jason Bradley and his wife Debra Ryhba- Bradley. He uses several companies including ROSEN and Keller, Goldstein and A**, Friedman and A** and Persolvo Group. There actual adress is 30 E Adams St Chicago IL 60603 Suite 201 the number is 3122088287. They use illegal tactics to collect debts report them if they call you.

You are making quite an assumption that she didn't pay her bills. I have received calls from collectors who state they worked for an attorneys office. They had all of my information and threatened me with felony fraud if I didn't pay them $1500 right then. They stated it was from a payday loan which I knew I never had. So, don't be so judgmental about people. There are just mean people out there who try to scare you into paying them. I just wont be bullied but its a stressful and time consuming situation to deal with.

I got a call today at my house from Goldstein & Ast from 813-474-9921 number.....same as several of the stories above...looking for someone in my family about a so called complaint filed...really???  These people need to be stopped!!

Received a call from this number.  Message left: My name is Chastity Locklear with the offices of Goldsteins and Associates. Please be advised I do need to speak to you or legal representation such as an attorney out of the  the state of Mahoning County jurisdiction. My number is 813-991-1444 ext 7016.  I thought this message was odd, especially stating I need to speak to you or legal representation such as an attorney.  I did several reverse number searches and found that this company is a scam.  Do not give any information if they call you.

It is not illegal unless you are on a no call list, and THAT only applies to solicitors, not debt collectors.  In the event that someone doesn't pay a debt, and refuses to respond to requests via phone and mail, the creditor does a "skip trace" and finds out who you are related to and who you communicate with.  It's all public records and they have to pay for it, but that part is legal.  HOWEVER if they call a friend or relative of the person who owes the debt, and that person tells them not to call or write anymore, THEN it becomes illegal for them to do so.  p.s. there's a difference between "there" and "their".

Why don't you apply a 3rd time and maybe you can figure it out.

this is the second time in last 2 weeks where I applied for a payday loan and then within a couple hours I am getting harrassing calls from a collection office or attorneys office that I am being sued that I owe money. what is going on ?? why does this keep happening. this is a different number then before but same concept.

I owe nothing, all bills are paid in full & have been for years.
It's illegal to call my cell phone with soliciting calls.  My cell phone is also on the do not all list.
My cell phone number has not been given out to any business because it's for only emergency purposes.
This is a scam outfit pishing for any phone number they can reach because not even family has my cell phone number.

I got a call from this number said they were located in my city of Dallas, Texas. A person said he was working for Goldstein LLC as an attorney. He stated that a lawsuit had been filed against me from my dentist, which was not true. The billed account had been fully paid. I believe this is 100percent scam.

Keeps calling my house.   Asking for. Social. #    and. Birth date. #      and other personal information...  I never heard. Of this company.   Please.  Help us from calling here

I got a call from this agency and but did not answer. I dont answer calls from folks I dont know

CONSUMER INFO
Important information you should know when dealing with debt collectors and junk debts.

NEVER give a debt collector your banking information. They could take much more than you authorize, or even empty your account, then state that you gave them permission. It will end up being your word against there?s.

NEVER give a debt collector your credit/debit card information as the same holds true they could charge or take more than authorized, then state you gave them permission.

NEVER send a debt collector money via Western Union, Wal-Mart or any other source unless you have a letter from them, on their letterhead showing their name address, the account, the creditor and sign by management stating it represents payment in full or payment on your account. If not, they can later claim you did not pay, or missed an agreed upon time other common debt collector lies.

NEVER do anything based only on a phone call. Any legitimate collector should be willing to put agreements in writing BEFORE a payment is made. There are many legitimate collectors who act in an ethical and professional manner. Those who do not are usually the scammers out to take your money, with threats, extortion and lies.

NEVER Send money to a junk debt collector on a payday loan based on their claim that you committed a crime, or are about to be served a lawsuit. Payday loan collectors are the worst liars, con artists and extortionists in the industry. They cannot take legal actions, have no authority, which is why the resort to such drastic measures to scare you.

RECORD conversations with collectors (where legal) so they can be held accountable if they break the law.

BEWARE Paying a collector will NOT get anything removed from your credit report. Debt collectors do not have that ability and their lies about disputing it with credit bureaus after you pay them is not true, they are liars trying to take your money, most will say almost anything.

COLLECTION ATTORNEYS who collect debts make a large profit in almost every case when a lawsuit is filed and you do nothing about. You lose by default, they get legal fees, costs and commissions that average at least 25% of what they collect. That judgment allows them to empty your bank account at any time, garnish your wages, levy against your home and personal property, where allowed.

CONSUMER ATTORNEYS defend against these junk debt and bottom feeder suits, normally for a small percentage of what you will end up paying on a judgment.. The reason most are successful in getting junk debt cases dismissed is because the documents they use almost always contain hearsay, or lack credibility. In addition, once dismissed, the debt dies with the suit, no judgment in your credit files, no worries about having wages garnished or bank accounts seized.
We know some of the best consumer law professionals in America who can talk to you about your options if sued by a junk debt attorney. Let us know where you live, who filed the suit and we?ll try and refer you to someone close by.

CONSUMER LAW
Public Law 95-109, the Fair Debt Collection Practices Act (FDCPA), enacted by Congress to protect consumers from abusive and deceptive debt collection practices.
THE FAIR DEBT COLLECTION PRACTICES ACT MAKES IT ILLEGAL FOR COLLECTORS TO:
Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages
Call consumers at work when they know the consumers' employers prohibited such calls
Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent
Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer
Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so
Call consumers at times or places that they knew or should have known were inconvenient
Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor
Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts
Use obscene or profane language

?CONSUMER ASSISTANCE
The following federal agencies are charged with enforcing laws and protecting rights of the American consumer. We urge you to file complaints with them when warranted. Your complaints do matter, they are useful for the agencies in determining abuse, deceptive practices and abuse of consumers.

Federal Trade Commission- (FTC) The Federal Trade Commission is the nation's consumer protection agency. The FTC's Bureau of Consumer Protection works For The Consumer to prevent fraud, deception, and unfair business practices in the marketplace. The Bureau:
Enhances consumer confidence by enforcing federal laws that protect consumers
Empowers consumers with free information to help them exercise their rights and spot and avoid fraud and deception
Wants to hear from consumers who want to get information or file a complaint about fraud or identity theft .
http://ftc.gov/bcp/index.shtml

Consumer Financial Protection Bureau ? (CFPB) The consumer bureau is working to give consumers the information they need to understand the terms of their agreements with financial companies. We are working to make regulations and guidance as clear and streamlined as possible so providers of consumer financial products and services can follow the rules on their own.
Congress established the CFPB to protect consumers by carrying out Federal consumer financial laws. Among other things, we:
Conduct rule-making, supervision, and enforcement for Federal consumer financial protection laws
Restrict unfair, deceptive, or abusive acts or practices
Take consumer complaints
Promote financial education
Research consumer behavior
Monitor financial markets for new risks to consumers
Enforce laws that outlaw discrimination and other unfair treatment in consumer finance
If have a complaint about student loans, we are ready to hear from you. For the first time, a single agency is now responsible for watching out for all students and families who choose to borrow private student loans.
http://www.cfpb.gov/
United States Postal Inspection Service -If you believe you?re a victim of fraud related to the U.S. Mail, including mailed sweepstakes, lotteries, on-line auctions, work-at-home scams or chain letters, report your concern to the U.S. Postal Inspection Service as mail fraud.
(Bogus 1099-C forms?)
All information is voluntary, but the more you provide, the more likely it is that we can help you. We may share your information with other agencies if it comes under their jurisdiction. See the Privacy Act Statement for more details. This site uses secure methods to transfer data.
The Postal Inspection Service will contact you only if more information is needed. We gather data on mail-related crime to determine whether a violation has occurred. While we can?t guarantee we can recover lost money or items, your information can help alert Postal Inspectors to problem areas and possibly prevent others from being victimized. Inspectors base their investigations on the number, substance and pattern of complaints. We ask you to keep all original documents related to your complaint.
If you would prefer to mail in your report, click here to print a Mail Theft Complaint. If this is an urgent matter, contact your nearest law enforcement agency.
Report problems with mail delivery or service to the U.S. Postal Service


CONSUMER CREDIT REPORT- FREE ANNUAL CREDIT REPORT- This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

AnnualCreditReport.com is the official site to help consumers to obtain their free credit report.
www.annualcreditreport.com


https://www.annualcreditreport.com/cra/index.jsp



  Jerry Jarzombek
Fort Worth, TX




 Aedan Butler
Los Angeles, CA



 Jim McMillan
Houston, TX



 James Foley
Fort Worth, TX




 Lyngklip & Associates
Southfield, MI



 Bonner Walsh
Athens, TX



 Joe K. Crews
Austin, TX



 Bodenheimer, Jones & Szwak, LLC
Shreveport, LA



 Stewart R. "Randy" Miller
Dallas, TX



 Scott A. Vogelmeier
B loomington, IL



Advertise with us!  



·Michael J. Scott
WARNING: DO NOT EVER SIGN A SETTLEMENT AGREEMENT FROM MICHAEL J. SCOTT.
·Regent & Associates
Files suits on behalf of junk-debt buyers using paper mill to churn?
·Brachfeld Law Group
Erica Lynn Brachfeld-Shubin is licensed to practice law in CA. (not in TX or OH)
·Riverwalk Holdings
·Rausch, Sturm, Isreal, Enerson, & Hornik



·Court Halts Alleged Fake Debt Collector Calls from India
·Apartment Rentals-Apartment rentals & Allied Collection Services (ACS) of Dallas -a nightmare of lies, fraud & bad credit ?
·Medical Bills
·Judgments Against Consumers
·Truth- The Ultimate Defense in Internet Postings
·Dumbest Collection Letter



·Welcome to Our New Sites!
·Bud's radio interview with Ernie Brown on Recent Data Breach that Compromised 1.5 Million Credit Cardson
Kevin P. Branigan & Living well off America's working class?


Emails From Consumers
Bud, I had contacted you previously about my wife being sued by Asset Acceptance and? Read More


Consumer News Debt Collection

More Videos

THESE ARE ALL TACTICS TO PROTECT THERE IMAGE .......TRUST ME THERE UNDER INVESTIGATION........REPORT ANY AND ALL ACTIVITY TO YOUR ATTORNEY GENERAL THEY WILL GUIDE YOU ....DID YOU KNOW CALLING YOUR CELL PHONE IS AGAINST THE LAW!!!!!!!!!....CHECK YOUR LAWS ....AN EASY 1000.00 VIOLATION ...YOU CAN GET ....DONT BE BULLIED CALL AN ATTORNEY!!!!!!!!!!!!!!!!!!!RIGHT AWAY

GO TO BUDHIBBS.COM YOU WILL GET ALL THE HELP YOU NEED ...............FAKE ATTORNEYS TRYING TO CON THE PUBLIC !!!!!

GET INVOLVED WITH YOUR ATTORNEY GENERAL THERE UNDER INVESTIGATION!!!!!!!

TO ALLL CHECK YOUR LAWS EVERY VIOLATION IS 1000.00 DOLLARS .........I GARUNTEE THEY BROKE THE LAW SOME HOW SOME WAS BY CALLING YOU WITH RELATIVES,EMPLOYERS.EVEN CALLING YOUR PHONE OR NOT RECIEVING A LETTER BY MAIL BEFORE CONTACTING YOU ...ITS AN EASY 1000.00 FINE CALL ANY ATTORNET IN YOUR AREA THEY WILL TAKE THE CASE FOR FREEEE!!!SOME PEOPLE WALK AWAY WITH 10,000 DOLLARS FROM SOME MANY VIOLATIONS .AND METAL ANQUISH.....BE SMART !!! GOOGLE ANYTHING YOU NEED TO KNOW BEFORE GIVING YOUR PERSON INFORMATION OVER THE PHONE ...I AM A VICTIM I SUED AND THEY SETTLED FOR  7500.00 ........THESE GUYS BREAK ANY LAWS THEY CAN TO GET YOUR MONEY !!!!!SEEK AN ATTORNEY IF YOU HAVE BEEN CONTACTED ....KNOW YOUR LAWS BY JUST GOOGLING IT OR CALL AN ATTORNEY TODAY

Sign In to Your Complaint Center. Fact Sheet 27 Addendum:
State Debt Collection Laws and Publications

Send to Printer



Copyright © 2004 - 2012
Privacy Rights Clearinghouse
Posted February 2004
Revised August 2012


This addendum contains links to state-specific resources that provide an overview of debt collection, citations of state debt collection laws, and web addresses to access those citations online.  It is not intended to give legal advice and may not be complete.

Remember that The federal Fair Debt Collection Practices Act (FDCPA) (15 USC §§1692-1695) applies to collection agencies in all states. The full text of the FDCPA is found at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf




Arizona Maryland Pennsylvania
Arkansas Massachusetts Rhode Island
California Michigan South Carolina
Colorado Minnesota South Dakota
Connecticut Missouri Tennessee
Florida Nebraska Texas
Georgia Nevada Utah
Hawaii New Hampshire Vermont
Idaho New York City Washington State
Illinois New York State West Virginia
Indiana North Carolina Wisconsin
Iowa North Dakota Wyoming
Kansas Ohio  
Louisiana Oklahoma  
Maine Oregon  




























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Arizona

Arizona Administrative Code, Title 20, Article 15 - Collection agencies, operations
www.azsos.gov/public_services/Title_20/20-04.pdf Scroll down to Article 15, Collection Agencies

File a complaint: www.azag.gov/consumer/complaintform.html


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Arkansas

Fair Debt Collection Practices Guide
www.ag.arkansas.gov/consumers_consumer_tips_fair_debt_collection.html  

Arkansas Code Title 17, Chapter 24, Section 203 (17-24-203)
www.arkleg.state.ar.us/assembly/2009/R/Bills/HB2228.pdf  

File a complaint: www.ag.arkansas.gov/consumers_consumer_complaints.html



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California

Attorney General's Collection Agencies Guide
www.ag.ca.gov/consumers/general/collection_agencies10.htm  

Department of Consumer Affairs Guide:
www.dca.ca.gov/publications/newsletter/spring2011.pdf

What to do if a Debt Collector Calls: www.dca.ca.gov/publications/debt_collectors.shtml

California Civil Code Section 1788, et seq.

http://leginfo.ca.gov/cgi-bin/displaycode?sec ... ile=1788-1788.3


http://leginfo.ca.gov/cgi-bin/displaycode?sec ... 1788.10-1788.18


http://leginfo.ca.gov/cgi-bin/displaycode?sec ... 1788.20-1788.22

http://leginfo.ca.gov/cgi-bin/displaycode?sec ... 1788.30-1788.33

File a complaint: http://oag.ca.gov/consumers/general/collection_agencies10



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Colorado

Collection Agencies and Debt Collection
www.ago.state.co.us/CADC/CADCmain.cfm

Colorado Revised Statute Title 12, Article 14, Section 101, et seq. (12-14-101), Go to: www.lexisnexis.com/hottopics/Colorado/ (NOTE: To access (1) agree to terms (2) select revised statutes (3) search term "debt collector")

Collection Agency Board: www.coloradoattorneygeneral.gov/departments/consumer_protection/uccc_cab/cab

File a complaint: www.coloradoattorneygeneral.gov/departments/c ... sumer_complaint


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Connecticut Connecticut Statute § 36a-805, Connecticut law about debt collection: www.jud.ct.gov/lawlib/Law/debt_collection.htm

File a complaint:  www.ct.gov/ag/lib/ag/consumers/consumercomplaintform.pdf  

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Florida

How to Protect Yourself: Debt Collections/Consumer
Go to: http://myfloridalegal.com/consumer, click on What Florida Law Provides, click on the link 'For information on how to protect yourself against consumer fraud,' scroll down to Debt Collection.

Florida Statute Title 33, Chapter 559, Section 72, (33-559.552, et seq.)
www.flsenate.gov/Laws/Statutes/2010/Chapter559/Part_VI

File a complaint: http://myfloridalegal.com/pages.nsf/Main/60FD9BD8FA71A5B185256CD1005EE5C5





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Georgia


Title 18, Debtor and Creditor, www.lexisnexis.com/hottopics/gacode/Default.asp (NOTE: To acess (1) select ok (2) select Title 18, Debtor and Creditor)

Department of Consumer Affairs, http://consumer.ga.gov/consumer-topics/debt-collectors

File a complaint: : http://consumer.georgia.gov/consumer-services/filing-a-complaint




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Hawaii

Hawaii Code § 433b, www.capitol.hawaii.gov/hrscurrent/Vol10_Ch0436-0474/HRS0443B/HRS_0443B-.htm

File a complaint:  http://hawaii.gov/dcca/ocp/consumer_complaint


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Idaho

Consumer Protection Manual, www.ag.idaho.gov/publications/consumer/CreditAndDebt.pdf

Title 26, Chapter 22
www.legislature.idaho.gov/idstat/Title26/T26CH22.htm

File a complaint: www.ag.idaho.gov/consumerProtection/forms/ComplaintFormInformation.html

 


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Illinois

Debt Collection, Illinois Attorney General, www.ag.state.il.us/consumers/debtcollection.html

Illinois Compiled Statute, Chapter 225, Section 425
www.ilga.gov/legislation/ilcs/ilcs3.asp

File a complaint: www.illinoisattorneygeneral.gov/consumers/filecomplaint.html



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Indiana

Fair Debt Collection Guide
www.in.gov/dfi/2588.htm

Indiana Code Title 25, Article11
www.in.gov/legislative/ic/code/title25/ar11/  

File a complaint: www.in.gov/attorneygeneral/2434.htm




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

 Iowa

Iowa Attorney General's Guide to Debt Collection
www.iowaattorneygeneral.org/consumer/consumer_tips/debt_collect.html

Iowa State Code Sections 537.7103(1) - 7103(6), http://coolice.legis.iowa.gov/Cool-ICE/defaul ... =IowaCode&ga=83

File a complaint: www.iowa.gov/government/ag/file_complaint/online_complaint_form.html

 


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Kansas  


Fair Debt Collection Practices Act, 16a-5-107 (UCCC), www.kansaslegalservices.org/taxonomy/term/1489

File a complaint: http://ag.ks.gov/contact-us/file-a-complaint




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Louisiana


Louisiana Revised Statute Title 9, Section 5362
http://www.legis.state.la.us/lss/lss.asp?doc=107679

File a complaint:
www.ag.state.la.us/Article.aspx?articleID=36&catID=15




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Maine

Debt Collector FAQ
www.maine.gov/pfr/consumercredit/faqs/debt_collector_faq.htm

Maine Revised Statute, Title 32, Chapter 109-A
www.mainelegislature.org/legis/statutes/32/title32ch109-Asec0.html



File a complaint: www.maine.gov/ag/contact.html





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Maryland

Dealing with Debt Collectors Guide
www.oag.state.md.us/consumer/edge117.htm  

Maryland Code § 14-2 (Click Commercial Law folder, then Subtitle 14)
http://www.michie.com/maryland/lpext.dll?f=templates&fn=main-h.htm&cp=mdcode

Maryland Business Regulation Code, Title 7, Subtitle 1, www.lexisnexis.com/hottopics/mdcode/

File a complaint: www.oag.state.md.us/Consumer/complaint.htm

 


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Massachusetts

Mass. General Law, Part 1, Title XV, Chapter 93, Sections 24-28 & Section 49
http://www.mass.gov/legis/laws/mgl/gl-93-toc.htm

Code of Massachusettes Regulations, 940 CMR 7
www.lawlib.state.ma.us/source/mass/cmr/940cmr.html

Mass Laws about Debt Collectors, www.lawlib.state.ma.us/subject/about/debt.html  

File a complaint: www.mass.gov/ago/consumer-resources/consumer- ... -complaint.html




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Michigan

Michigan Compiled Law, Chapter 445, Act 70 of 1981
www.michiganlegislature.org/mileg.asp?page=ge ... -Act-70-of-1981  

File a complaint: http://michigan.gov/ag/0,4534,7-164-17331-42077--,00.html

 


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Minnesota

Know Your Rights: Guard Yourself Against Debt Collectors
http://www.ag.state.mn.us/consumer/

Minnesota Statute Chapter 332, Section 37 (332.37)
www.revisor.leg.state.mn.us/bin/getpub.php?type=s&num=332.37&year=2006



File a complaint: www.ag.state.mn.us/Consumer/Complaint.asp (scroll down)




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Missouri

Missouri Dept. of Finance - Debt Collection Problems? http://finance.mo.gov/consumers/debt_collection.php

File a complaint: http://ago.mo.gov/consumercomplaint.htm

_______________________________________________________________


Nebraska

Nebraska Code § 45-601 through § 46-622, http://nebraskalegislature.gov/laws/statutes.php?statute=45-601

File a complaint: www.ago.ne.gov/complaint




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 Nevada

Neveda Chapter 659, www.leg.state.nv.us/NRS/NRS-649.html

File a complaint: http://ag.state.nv.us/about/complaints/complaints.html




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New Hampshire

New Hampshire Revised Statute, Title XXXI, Chapter 358-C (358-C:1)
www.gencourt.state.nh.us/rsa/html/NHTOC/NHTOC-XXXI-358-C.htm  

Department of Justice Consumer Sourcebook, http://doj.nh.gov/consumer/sourcebook/credit-debt-collection.htm

File a complaint: www.doj.nh.gov/consumer/complaints/index.htm




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New Mexico

Annotated Code of New Mexico, Chapter 61, Article 18A (61-18A)
http://law.justia.com/codes/new-mexico/2006/nmrc/jd_ch61art18a-16315.html

File a complaint: www.debt-collector-problems.com/fair-debt-com ... plaint-Form.pdf

 


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New York City

Debt Collection Guide
www.nyc.gov/html/dca/downloads/pdf/Debt.pdf  

File a complaint: www.nyc.gov/html/dca/html/contact/contact_form.shtml




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New York State

New York Code 29-H (Debt Collection Procedures)
http://codes.lp.findlaw.com/nycode/GBS/29-H

Managing the Overload, www.ag.ny.gov/sites/default/files/pdfs/publications/Debt_Management.pdf

Penal Law, Part 3, Title K, Article 190.50
http://law.justia.com/newyork/codes/penal/pen0190.50_190.50.html

File a complaint: www.ag.ny.gov/complaint-forms

 


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North Carolina

North Carolina General Statute, Chapter 75, Article 2, Section 75-50, et seq.
www.ncleg.net/EnactedLegislation/Statutes/HTML/ByChapter/Chapter_75.html



File a complaint: http://ncdoj.com/complaint.aspx




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North Dakota

North Dakota Collector Regulation Statute § 13-05
www.legis.nd.gov/cencode/t13c05.pdf



File a complaint: www.ag.state.nd.us/CPAT/ConsumerComplaints.htm

 


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Ohio

Ohio Revised Code, Title 13, Chapter 1319
http://codes.ohio.gov/orc/1319

Ohio Legal Services Q&A
http://www.ohiolegalservices.org/public/legal ... on/qandact_view



File a complaint: www.ohioattorneygeneral.gov/ConsumerComplaint.aspx?from=nav

 


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Oklahoma

Oklahoma Statute, Title 15, Chapter 20,Section 755.1
http://www.oscn.net/applications/oscn/Index.asp?ftdb=STOKST15&level=1



Oklahoma Statute, Collection Practices, Subchapter II, Title 160:70-1 - 160.70-8,
www.ok.gov/okdocc/documents/Title160DDL.pdf

File a complaint: www.oag.state.ok.us/oagweb.nsf/complaint.html

 


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Oregon

Oregon Revised Statute, Chapter 646, Section 646.639 et seq.
www.leg.state.or.us/ors/



File a complaint: https://justice.oregon.gov/complaints/  



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Pennsylvania

PA Debt Collection Practices, www.attorneygeneral.gov/consumers.aspx?id=244

Pennsylvania Statute, Title 18, Chapter 73, Subchapter A, §7311,
www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.073.011.000..HTM

File a complaint: www.attorneygeneral.gov/complaints.aspx

 


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Rhode Island

Rhode Island Debt Collections Act § 19-14.9
www.rilin.state.ri.us/Statutes/TITLE19/19-14.9/INDEX.HTM



File a complaint: www.riag.state.ri.us/documents/consumer/ConsumerComplaintForm.pdf




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South Carolina  


Debt collection FAQ, www.consumer.sc.gov/faqs/Pages/fairdebtcollection.aspx

Consumer Protection Code, Title 37-5-108, www.scstatehouse.gov/code/t37c005.php

File a complaint: www.scag.gov/contact-us

 


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South Dakota

 Attorney General Consumer Protection Guide (pg. 62), http://atg.sd.gov/LinkClick.aspx?fileticket=lDkq1k3V-yM%3d&tabid=525

NOTE: South Dakota has no state debt collection statute, but follows the FDCPA.

File a complaint: http://atg.sd.gov/Consumers/HandlingComplaints/ConsumerComplaintForm.aspx

 


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Tennessee

Title 62, Chapter 20
http://www.michie.com/tennessee/lpext.dll?f=templates&fn=main-h.htm&cp=tncode

File a complaint:
www.tn.gov/attorneygeneral/cpro/filecomplaint.html

 


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Texas

Texas Statute, Finance Code, Title 5, Chapter 392
http://www.statutes.legis.state.tx.us/Docs/FI/htm/FI.392.htm


Texas Attorney General Office - Debt Collection
http://www.oag.state.tx.us/consumer/debt_collection.shtml

File a complaint: www.oag.state.tx.us/consumer/complain.shtml




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



Utah

Utah Annotated Code, Title 12, www.le.state.ut.us/~code/code.htm  

What Rights Do I Have When Collectors Call?, www.utahlegalservices.org/public/legal_proble ... bt%20collectors

File a complaint: http://attorneygeneral.utah.gov/contact_us.html

 


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Vermont

Vermont Code
http://www.atg.state.vt.us/assets/files/CF%20104.pdf


File a complaint:
www.uvm.edu/consumer/?Page=complaint.html

 


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Washington State

Revised Code of Washington, Title 19, Chapter 16
http://apps.leg.wa.gov/rcw/

Attorney General, In Debt? Know Your Rights When Dealing with a debt collector, www.atg.wa.gov/BlogPost.aspx?id=24992

File a complaint: www.atg.wa.gov/FileAComplaint.aspx




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West Virginia

West Virginia Code, Chapter 47-16-2, www.legis.state.wv.us/WVCODE/47/code/WVC%2047 ... 0%202%20%20.htm



What Are My Rights as a Consumer with Debts in Collection? Guide
www.wvs.state.wv.us/wvag/faq/consumer/debt_collection.html

 Fair Debt Collection FAQ, www.wvago.gov/faqs.cfm?fx=cat&id=2#106

File a complaint: www.wvago.gov/takeaction.cfm




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Wisconsin

Wisconsin Statute, Chapter 427
www.legis.state.wi.us/rsb/Statutes.html



Illegal Debt Collection Practices and Debt Collection Scams, Attorney General Publications,  www.doj.state.wi.us/absolutenm/templates/temp ... d=1824&zoneid=8

File a complaint: www.doj.state.wi.us/dls/ConsProt/cp_complaints.asp



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Wyoming

Prohibited Collection Practices
www.audit.state.wy.us/banking/cab/cab_brochure.pdf  

Wyoming Statute, Title 33, Chapter 11
http://legisweb.state.wy.us/statutes/statutes ... e33/T33CH11.htm



File a complaint: http://attorneygeneral.state.wy.us/PDF/ComplaintForm.pdf







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Copyright © Bud Hibbs / budhibbs.com. 1996 - 2012 All Rights Reserved.
Bud Hibbs The "Voice of the American Consumer"?

BULL....I have seen your posts before and for an attorney you don't spell very well. This company is a scam and so are you. I called the Federal Trade Commission and they put a stop to all of this for me. I refuse to let them harass me. They are frauds. They are a collection agency only. No lawyers. You are also a fraud. I looked your name up as well and found one similar and I contacted them only to have them tell me that someone is using their name. Hmmmmmm!!!!!!! You probably work for Goldstein and Associates. I personally do not see lawyers on these boards and writing anything. They have too much to do with the way society is today. If  you are impersonating an attorney, you could be fined. I guess I will have to contact The Bar Association and see if you are real. Which I already know you are not. Also lawyers are much brighter than you. Read your post. You need to go back to grade school to relearn grammar, spelling, capitalization, etc.Reply

Kelly processing server for Goldstein & Associates.  I need a call back. 1-813-991-1444

no i havent its a bunch of crap, they are just trying to scare you

they keep calling and saying that they are turning my case over and will result in legal action. Trying to use scare tactics.

Some people go threw things in their life. For instance death, Divorces. Think before you speak! Never know what people go threw in life. Just sayn

Unless you work for this guy how did you just happen to look up this particular number on this particular website. 99 out of 100 times you won't find the ethical debt collection agencies t(hat follow the law ) phone numbers listed or talked about here