I didn't get a phone call from these people but was checking my husbands credit report and today there was a report from Crystal Mor (?) law office with this exact address stating it was for a returned check from February 2014.  Well we have no checking account first of all and I need to know what we can do about this?  Please help!

It's a collection agency.

it's a lawyers office hired by a collection agency.

845-875-5218 # of Kayla Brown w/Gleason Law Firm. Claming I had been turned over to them since I was refusing to work with the collection agency Check-It/ www.rmacollections.com
Creditor Xpresschex who Bealls Dept store supposedly turned over the collection process of two hot checks I wrote.
I.......
Never write checks to Bealls Dept. Store.
I never got any notices from my bank of any returned checks.

I did refuse to work with the collection agency Check-It a unit of Rockford Mercantile Agency.
This is a scam big time and I tell them I know it is.
Thanks to all that wrote into this site confirming that.

FILE A COMPLAINT WITH THE NY ATTORNEY GENERAL ASAP as well as the NY BAR Association!  
As well as YOUR STATE ATTORNEY GENERAL - ILLEGAL COLLECTION PRACTICES

use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!



Rephen Law Firm, P.C.  
17 Squadron Boulevard-Suite 320
New City, New York, 10956

info@libertyresourcesgroup.com


--------------------------------------------------------------------------------
Phone No.  845-875-5204 845-678-1300 845-678-1278 845-639-4920 888-715-3940 845-875-5216 610-320-6402  
Fax 845-639-3479 484-229-0313  

  Bradley J. Rephen, P.C. NY Bar #2792687

Liberty Resources Group brings the strength of synergy to diverse business needs. Our solutions design, technology implementation, and business process management serves your global and local needs. Liberty provides a full range of financial recovery services and has a consultative relationship with the Law Offices of Bradley J. Rephen, Esq. This premier collection agency and law firm consistently outperforms its competitors. (Loud mouthed, ego driven, unprofessional debt collectors)  




1) Never assume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT
 
2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts you

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx


Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
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.
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
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

I received a phone call from Kayla Brown saying I had a claim turned over to them from the company CHECK-REDI. She said it was for a checked that had been returned in the amount of $35, that had bounced several times. She said the amount I owed was $200, due to legal fees and such. She provided me with a check number and such. I had dealt with CHECK-REDi a couple months ago, because of a returned check, which I paid in full. I did in fact fall for this and give my debit information, just because I had a claim with CHECK-REDI and thought maybe it was true. She claimed they would take legal action if I had not contacted them by the next day. So, after I got off the phone with her I contacted my bank to verify what she was telling me and there was no check for that date in that amount. I immediately closed my debit card account. They apparently got my name from CHECK-REDI somehow, but are complete frauds. I asked repeatedly for information to be sent to me and she would quickly change the subject. I can't believe I fell for it! She gave me the number to call her back. 845-875-5218

Nope!  Google them for yourself!

I just received the same woman "Kayla Brown" calling on my office number and left message with a file number of 11840671 for me to return her call at 845-875-5218 so I googled the number and found out they are fradulent callers.  Their number came across my office number unknown anyway and I truly don't call those back anyway but for her to leave a fake message was not too smart on her part.  Using google is the best tool to locate people and numbers that can exist.  She not getting a call back from me.   The need to get a real job is important than calling to try to rip hard working people off for pennies to get rich.

I just recieved a call from a Kayla Brown stating that she worked for Rephen Law firm of New York.  This is a fraud!  I did not owe her money and she was trying to push me into paying her moneys that I didn't owe.  I have contacted my bank and the athorities on this matter.  Don't give them any money.  She wouldn't give me the address to check if she was legit stating that she was a busy person and was doing me a favor. People like these need to be stopped.  I didn't fall for it because I listened to my inner voice.  Caution this company or person is a fraud!

Call left on answering machine Tues or Wed for a Nicole Coleman.
Person identified themselves as Ms. Brown and left reference number
10435848.  person stated this is a legal matter.
msg said to call 845-875-5218.

are these people really a law firm?

A debt collector claiming to be ?Erica Shaw or Erica Shah,? a ?legal processor? from a ?law firm? called ?Rephen Law Firm? (which she purposely pronounced ?Restin? to avoid identification online) has attempted to collect a debt she claims is $220 for a bounced check with the original amount of $70. Their phone number is 845-678-1296.

1)    She refused to give information about the alleged ?law firm.?
2)    She refused to give information about the original debt.
3)    She claimed the additional funds from the original debt amount were for their ?processing fees? and interest.
4)    She threatened to take me to court, sue me and take legal action against me if I did not pay the debt and their ?fees? in full with an unreasonable time limit.
5)    She refused to send the debt information in writing or on the law firm?s letterhead.
6)    She became irate, accused me of doing illegal activity, and became verbally abusive on the phone when I questioned the fees and requested the information in writing.
7)    She attempted to justify the fees under the ?Uniform Commercial Code? and refused to tell me what part of it she was citing or how my state, FL, had adopted it.
8)    She became irate and refused to tell me the address where I could send them a letter requesting no contact.
9)    She said their only method of payment was Western Union and at first refused a payment plan I proposed. She eventually said yes to a payment plan but refused to offer any means by which to document the original debt or document my payments with receipts.

It is obvious from the overwhelming number of online complaints made to debt/credit complaint forums (e.g., ripoffreport.com, pissedconsumer.com, etc.) that they are an illegitimate operation.

It also appears if they have set up a phony website to garner information from consumers threatened by them in order to appear legitimate: http://mharveyrephenlaw.com/.

I have reported them to the Federal Trade Commission and urge other consumers to do the same here: https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

DO NOT GIVE THEM A DIME.
TELL THEM TO STOP HARASSING YOU.
REPORT THEM TO THE FTC.

It's a collection firm from New York.

Rephen Law Firm / LAW OFFICE OF BRADLEY REPHEN
Phone:  845-875-5218
17 Squadron Blvd
New City, New York, 10956
U.S.A.