They are calling my cell  - this is a new annoyance and certainly random.  What is their problem?

Vision Financial, debt collector

it IS a debt collector, Vision Financial, they hide behind different ##, couple days ago it was 866 now 815
Do not answer, if do, tell them you dispute the charge or in the process of doing so, thus makes them calling you illegal, especially after work hrs or on weekends - that is nothing but harrassment

They don't verify the match between name & phone number, either--they call several times a day, always asking for a different person; none of the names is even close to mine, and generally aren't too close to each other, either!  Their response to being told they have the wrong number, & that they've been told that (in writing) is, "So?  We can call anyone we want to.  What are you going to do about it?"

These creeps are currently under a COURT ORDER by NY AG Cuomo to clean up their act. And, their refusal to provide debt validation (among other things) just goes to show that they have NO intention of complying with this order. Report them to www.NYdebthelp.com

ATTORNEY GENERAL CUOMO ANNOUNCES REFORM DEAL WITH THREE NY DEBT COLLECTION COMPANIES OVER DECEPTIVE TECHNIQUES

Companies to pay $245,000 to state for violating state and federal debt collection laws, must provide easily accessible consumer complaint forms through company Web sites

Latest action in Cuomo's ongoing probe into unlawful debt collection and settlement practices

ALBANY, N.Y. (June 2, 2009) - Attorney General Andrew M. Cuomo today announced that his office has reached an agreement with three New York debt collection companies that failed to adequately supervise employees who engaged in deceptive and fraudulent methods to collect debts.

The three companies, Creditors Interchange Receivable Management, LLC, Capital Management Services, LP and Tri-Financial, LLC, have agreed to substantially reform their business practices in order to be in full compliance with the Federal Fair Debt Collection Practices Act and New York?s Debt Collection Procedures Act. The companies, which are based in Western New York but do business across the country, are also paying $245,000 to the state in penalties and costs.

?We will continue to investigate the myriad deceptive practices that debt collection companies, debt settlement companies and others employ as a means to exploit consumers who are already down on their luck,? said Attorney General Cuomo. ?These three companies have agreed to immediately stop these practices and reform their policies to ensure their collectors comply with both state and federal law. I call on other companies engaged in the business of debt to do the same.?

According to complaints received by the Attorney General?s Office, collectors at the three companies employed fraudulent tactics in an attempt to collect debts, including:

Contacting alleged debtors without a lawful justification for doing so and even after being asked in writing to cease all communication
Contacting consumers at their places of employment even though the collectors were aware that such contact was prohibited by the consumers? employers
Discussing consumers? debts with third parties (i.e. employers, neighbors, etc.), and doing so even after the third party told the company to cease such communications
Falsely claiming that the company was acting on behalf of an attorney and that the company or a creditor was about to commence legal action against the consumer
Failing to respond to consumers requests for debt verification
Under separate settlements with Attorney General Cuomo?s Office, the three companies have agreed to enhance their compliance protocols and make it easier for consumers to file complaints against individual collectors. All three companies must create a direct link on their respective Web sites to consumer complaint forms. The companies must also maintain an employee disciplinary history database, as well as a comprehensive database of all complaints made by consumers or third parties who were wrongly contacted by collectors.

For the violations, each company must pay penalties and costs to the state.

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

The settlements announced today are part of a larger investigation by Attorney General Cuomo into unlawful debt collection practices. Last week, Attorney General Cuomo subpoenaed nearly twenty companies and law firms operating as debt collectors throughout the state. His office also shut down two collectors for threatening and intimidating consumers into paying debts that they did not owe. In early May, Attorney General Cuomo announced a lawsuit against two debt settlement companies for fraudulent business practices and false advertising by selling misleading debt settlement plans that very rarely deliver the promised benefits to consumers dealing with debt.

Cuomo also launched a website - www.NYDebtHelp.com - that explains consumer rights, allows victims of debt settlement companies quick access to the Attorney General?s office to file complaints, and outlines the stages of the Attorney General?s investigation. These three cases were handled by Assistant Attorney General Dennis Rosen and Senior Consumer Frauds Representative Karen Davis under the supervision of Deputy Attorney General for Regional Affairs David Sampson and Assistant Attorney General in Charge of the Buffalo Regional Office Russell Ippolito.

http://www.oag.state.ny.us/media_center/2009/june/june2a_09.html


Eclipse Resolution aka/ Vision Credit Solutions, LLC
aka Prism Resolutions
aka/Monarch Resoutions
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
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

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

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.

http://www.budhibbs.com/collectorpages/tri_financial.htm

These guys are weird.... They are trying to collect on an account that I have no knowledge of and refuse to send me written verification. The jerk guy on the phone questioned my "masculinity"!

Wow.... I encouraged him to call me often since I am "judgment proof" and enjoy making him waste his time

They call me 2-3 times daily.

I'm not sure who they are, but I'm guessing that they are a collection company. I tell them it isn't me and they constantly say that they cannot disclose where they are calling from. THEY ARE VERY RUDE!!!

It is Vision Financial - they call even when a company doesn't have legitimate cause to put you in pre-collections. No matter what you tell them, hey will keep calling and they are unprofessional and they break the law in regard to consumer finance.

there is no way to call them back it seems

Sometimes they call 2or 3 times a day. I wait until the answering machine picks up, they always ask for me by my proper name, NOT my nickname. They are a pain, but I NEVER pick up when I see their number #815-713-2567. Just ignore them, they WILL go away!