Patricia summers real name is Jill schiavone tonawanda NY and Patrick Shaffer is her brother they collect money for a debt collecting company in Amherst NY it is all fraud and not right if this happened to you contact your local pd

I did some digging around on this "company", not much to find on the Internet regarding them.  A user did post an address in another thread here (no surprise that it traces to the Western NY area)

http://800notes.com/Phone.aspx/1-888-959-2873/2

United Portfolio Corporation
3840 E. Robinson Rd.,  Suite 105
Amhurst, NY 14228

There is one social media page for an "employee"

http://newsle.com/person/kikarodriguez/82709399

Many states require out of state or out of country payday lenders to be registered with the department of corporations of a consumer's respective state. Most are not and do not disclose this to any potential   client. Therefore, any loan that is issued by a non-registered payday loan company of any giving state is in fact illegal.

It was considerate to take time from your busy schedule and provide a sample of your limited writing and syntax abilities.  Here is a little good advice, free of charge, if you can take it as well as you dish it.  If you ever plan to be taken seriously, write your posts at a reading level greater than 3rd grade, make your point(s) succinctly (briefly), use a spell checker and proof what you write.  Otherwise you are no better than the "morons" you criticized.  The fact that you had to pay an attorney to help you pay off bad debts indicates that people who live in glass houses should not throw stones.  Wise-up Jr.

I got a voicemail from a lady named Melinda brown and she told me she worked for upc and associates and I had 72 hrs to answer her call because I was being sued for 700 dollars and she proceeded to tell me that I could make payment arrangements by the 24 using someonelses credit card or charges of check fraud for this payday loan were going to be sent to the county court house and I told her I had no money as I am applying for ssi disability and she went on a rage and told me I was just lazy and that she was going to call social security on my behalf so they would stop my social security disability and suspend my licensce for 180 days until I paid that loan company so I told her the only thing I could do was jail time and she said see you in court then she hung up and I tried calling back and a black sounding woman kept pretending to be a voice message kept answering this line and saying to leave Melinda brown a message then she would press a phone key to make a bogus beep sound and it sounded fake I don't know what to make of this

I got a call from 877-698-2241 saying that there was a complaint against me. From the law office of Upc and associates stateing that there are fraud charges pending against my name and social security number. Her name was Rene Abriam I called and it said you have reached the Law office of Upc and associates desk of mrs Castle. Now I started to look them up on the internet n found the number of 855-392-4357 and it was the same lady and said the same thing desk of mrs Castle. Well wth is going on ? I work everyday and I have never commited fraud on anyone so im going to call back and find out what the heck is goin on.

"your truly mad at yourself"   Most people spell it  "You're"

CALLED ME FROM 877-690-4921 EXT 223

LMAO..Nice try. Obviously an employee of the infamous "UPC Law Firm". Go work at Burger King or something. They probably pay more.

Hilarious! Did you have to fail a spelling test to shill for these crooks? And fail an IQ test too?

No wonder you can't spell "legitament" since you have no clue what it even means.

Now it's back to the boiler room with you. Thanks for playing.

I got a call I spoke to my attorney and paid them as my Attorney agreed this is a legitament company.  Also, for everyone saying that they have no lives and they can't believe they do this for a job how about us that screw up our credit and owe these credit agencies I consider myself the scum for even owing anything and boy do I feel better paying it off and raise my credit score.  So instead of being mad at them your truly mad at yourself for even owing these people.  If you didn't owe these people then you wouldn't even receive the calls so I agree with Scott from Texas!!!!!!

I just got a call from them and my husband was 3 wayed and they were threatnig me with a personal loan that I had taken out and my husband gave them his credit card infomation and said here you go.. Now when I call the number is blocked, and I called my bank and told them to put a stop on the payment for frad I am contacting the Law after worl

This office called me about a month ago and i to thought this was a scam i told them to take me to court because i didnt think a payday loan could really sue me and i thought this was fake last week i recieved a court summons to my job and i have court in 2 weeks im not happy about this at all i guess everyhting u read on the internet is not true i wish i would have listened now i don't know what to do ne suggestions???

call me from last one month for Suzanna Ramon i have a business and phone number and hey are keep calling for a payday loan sometime sometime they said they want to talk as civil matter i have told them again and again that no body of this name lives here and it is business number but he is keep call me his name is charles baine

I think I would prefer advise from Alfalfa's post,  thank you.

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

i laugh at all these post! I paid a acct off in dec 2012 and i read all these post so i freaked out and called them back and asked for a letter.  They emailed me a paid letter which I showed my attorney and he validated that it is a legitament company i actually faxed it to the credit reporting agency to see if there letter would update my credit report and it DID! So im not sure what exactly all these people are talking about but I felt i should put this up so people can make there own decision without it being altered by morrons like this person that wrote this post! I would recommen you get a letter from any company you pay and have a attorney validate the letter for you before u pay but when you listen to everything on the internet it can turn around and bite u in the rear end (you can find negitive stuff about walmart on the internet if you look so it doesnt mean there a fraudulant company) You might not agree with a companys approach on how they conduct business but it doent mean there not liget!!!FYI

I got a threatening call from a "Patricia" on this line with a case number.  She said for me to call an attorney named "Anthony" at 716-616-3589 and if i didn't call, they would assume i'm guilty...called the local court office, and the case number provided doesn't exist...I really wish these people would get a life.

I too got a call from a "Patrick Shaffer"  it freaked the crap out of me so I called the number back from which he called me from and it rang but then no VM came on but just the sound of a fax machine. So that threw a red flag so I called our local courthouse to see what this case was that was being filed against me. They transferred me to an investigator who took my info and look me up and he said he had no record of me. I then told him how when I called the local number back that showed up on my cell (different from what "Patrick" told me to call) how it sounded like it was a fax line. He asked me for that number and he looked it up and said it was a fax number to a local courier. He said he wanted to contact the local courier and could he call me back. He called me back and said he spoke to the courier who does deliver civil suits but they didn't have me in their system. I went in and met with the investigator and let him listen to the VM and he took down the number "Patrick" said to call and he is going to look into this. He said there are A LOT of scams going on right now. He said collectors are taking things to a level this is not legal (like posing a number to scare people) and it's only going to bite them hard because the people can actually turn around and sue and win. So if you are getting these VM.  SAVE THEM!!! You can use them in court to win for illegal harassment!

What did you find out? Is the document real? I called them and they would not work with me on a payment plan and became very hostile with me. I'm trying, but they won't work with me!  I just want to throw my hands up in the air!!

That's exactly what they do & they are the lowest form of life.  Too lazy to work for a living and they believe that what they do is acceptable.  It's a shame that their percentage of success is high enough that they keep up the scam.

Oh yeah they called me this pass tuesday jan, 15,2013 a lady name Lisa Morgan from the law office of UPC & Associates claiming that I had a complain filed with charges againist me case number  ###### and also talking about summon beening issue for me to come to court! That I was going to be summon through cook county at either my home or job and that they needed a statement from me or my attoney to stop the summon!!! Then she want on to leave me another number 716-616-3563 telling me I would need a reference number that she left me with when I call back!!! It sounded like a scam from the beginning and I got on the internet just to make sure and I founded this page! Since I know now this is a real scam I going after them and I'm going to f@#k them really slow without an doubt!!! Peoples like this makes me sick cause their trying to scam hard working peoples out of their hard earned money that they have slave for the whole week at their job that they mostly don't like!!!

just got a fax to my office from these people requesting personal information from my boss to fill out a form and return can you imagin am reporting to the bbb right now i grabbed it and threw it in the trash.

i got a call as well from this company and i wouldnt respond i searched this number and listened to all your post and im not sure if you guys called this number back but i wouldnt and this morning i was served with papers to appear in court from this company and it has a judges signature on this. Is this fake as well??? cause this looks pretty real to me??? im gunna contact my attorney and find out about this and i will let you know but im kinda upset i even looked on here cause if i find out i could of just called there and fixed this before i got served i would of but i had to look on here first and it bite me in the a**

You should NEVER, EVER, under any circumstances give your debit card info over the phone!. I would cancel that card immediately and notify your bank. These people are scum, and are preying on people that are fearful. Next time they call tell them to pound salt!

some guy called and identified his name as patrick shaffer said he is a process server for the county sheriff and looking for a woman named heather ? said he needed a number and valid address to serve this heather if not it would go into a warrant status ? he left this on my answering machine ! when I called the number back some guy tells me its a law office , I then played the message back to him and informed him that there was no heather here and that I just recieved this new number from the tele. company , I don't know whats going on here but it all sounded bogust to me ........... weird ! if you get a call fro this number I suggest you call the police immediately as I am doing right now .

I gave Mr. Kline my debit card number, and now no one anwser the phone. Who is this company.

A Mr. Cline left a message "wants to determine if litigation is advantageous for both parties" and named a person I have never heard of before.

call from number - posing as debt collectors - abusing their power  - DO NOT PAY THIS COMPANY

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

guy calls and states that he will take legal action against me. he left several msg(s) at my job also called my mom?? wth? i just called this # back and told them DO NOT CALL MY JOB OR FAMILY MEMBERS AGAIN! I have no idea who these folks are!