Joan your son is involved

Michael Gibson's mother is Joan Gibson she does not believe her son is involved in this when I spoke to her

DO NOT GIVE THEM ANY MONEY, THIS IS A SCAM!!!!!!!!!!!!!! THEY USE YOUR MONEY TO BUY DRUGS AND EXPENSIVE CAR ACCESSORIES!!!!!

COMPANY NAME: ZEBULUN ASSOCIATES
4224 Ridge Lea RD. AMHERST NY SUITE 40 The E robinson rd address is a fake one.
OWNER MICHAEL LEON GIBSON
HOME ADDRESS 4895 N Bailey Ave Buffalo, NY 14226
HOME PHONE (716) 720-3695

LANCE ALEXANDER MARTIN AKA COLIN FERGUSON
289 Chelsea Place, BUFFALO NY 14215
TELEPHONE NUMBER (716) 948-5201
Known drug addict. Woman abuser, and Con Artist

well the owner is not a lawyer...his name is michael l gibson residing at 4895 bailey ave, amherst ny 14226, likes to lie to people and is a person who only cares bout himself...and he doesn't care bout anyone else...he's not an attorney....why don't you sent all your threats and letters here to his address as he says he's working for gibson, michaels and associates but there business has another name zebulun associates llc and asking you to moneygram to paypower is illegal which he did and receive western union from lots of people who sent him funds.............he is a scam artist and is still running your payments out there even though the company has closed....wish u all well!

Telephone Collection Scam Related to Delinquent Payday Loans

12/01/2010?The IC3 receives a high volume of complaints from victims of payday loan telephone collection scams. In these scams, a caller claims that the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check cashing services.

One of the most insidious aspects of this scam is that the callers have accurate information about the victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and names and telephone numbers of relatives and friends. The method by which the fraudsters obtained the personal information is unclear, but victims often relay that they had completed online applications for other loans or credit cards before the calls began.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide to the victims any details of the alleged payday loans and become abusive when questioned. The callers threaten victims with legal actions, arrests, and in some cases physical violence if they refuse to pay. In many cases, the callers even resort to harassment of the victim?s relatives, friends, and employers.

Some fraudsters instruct victims to fax a statement agreeing to pay a certain dollar amount, on a specific date, via prepaid visa card. The statement further declares that the victim would never dispute the debt.

These telephone calls are an attempt to obtain payment by instilling fear in the victims. Do not follow the instructions of the caller.

If you receive telephone calls such as these, you should:

Contact your banking institutions;
Contact the three major credit bureaus and request an alert be put on your file;
Contact your local law enforcement agencies if you feel you are in immediate danger;
File a complaint at www.IC3.gov.

Thanks for the correction. ;-)

You won't go to jail for debt.  Debt is a civil, not criminal matter.  If they call you again, demand a letter validating the supposed debt.  Also try to get a mailing address from them so you can send them a cease-communication letter by certified mail.

Got the same call!! What should I do? Dont want to go to jail

I was contacted by this company Michael Gibson and Associates and I think they are scam artists Who can I call to report this.

correction 4244 ridge lea rd amherst ny see link below

http://www.amherstbee.com/news/2011-09-14/legal_notices

DO NOT GIVE THEM ANY MONEY, THIS IS A SCAM!!!!!!!!!!!!!! THEY USE YOUR MONEY TO BUY DRUGS AND EXPENSIVE CAR ACCESSORIES!!!!!

COMPANY NAME: ZEBULUN ASSOCIATES
4224 Ridge Lea RD. AMHERST NY SUITE 40 The E robinson rd address is a fake one.
OWNER MICHAEL LEON GIBSON
HOME ADDRESS 4895 N Bailey Ave Buffalo, NY 14226
HOME PHONE (716) 720-3695

LANCE ALEXANDER MARTIN AKA COLIN FERGUSON
289 Chelsea Place, BUFFALO NY 14215
TELEPHONE NUMBER (716) 948-5201
Known drug addict. Woman abuser, and Con Artist

Has anyone received a fax number for them?  I have documentation to prove that THEY are the fraudulent ones...they gave me a bunk fax number.  Imagine that!?!

I have been getting called from a different number for Gibson, Michaels & Associates. Its 855-646-5060.  This is a major scam.

It was a debt collector.

Hey ladies, I had the same thing happen to me. They got me for a lot more. I had paid them for six months before I was made painfully aware of the oi so issue. What gites me was of had just got finished with all my ayment when the nexy company called me saying that out was not paid. So I have put a stop payment on any future payment. I have contacted my bank and have asked for my money back. I have given them as much information as I can get my hands on to show that this company is a fraud. I figure the more I can prove that it wasn't  my fault and this company is a fraud the better chance I might have to get my money back. Please let me know if anyone can find out more about this company.

I received the same call stating if I didnt pay them I would be arrested for fraud because I had cross the state lines.  I had just move to another state.  The next day I got another call explain someoner was on there way to my home to arrest me.  I got scared so I paid them for a few months.  One day tried to call them phone would not ring just hang up.  This this for several weeks before I decided to go online and investigate.  So wat can I do?

I had received a call that said I owed money and that if I didn't pay they would take me to court and I would get introuble for bouncing across state lines so I paid them and went the other day to call and number was disconnected

I filed the following complaint with the State Attorney General and suggest you do the same.

Explanation of complaint:
On Feb. 13 at about 8:30 a.m. Collin Ferguson called my wife, Petra, and said or implied that he was an officer and, specifically, that officers were on the way to our home with a search warrant for a woman named Cathleen Jones.   Petra was frightened and called me at my 90-year-old mother's apartment where I was giving her morning medications and breakfast.   I rushed home and found that Petra had three times tried to call the number they had given her (855) 336-3833 and was unable to find out who these people were or if they were indeed police officers.   When I arrived, I called the Jefferson County Sheriff's office and determined they were not officers and no warrant was issued.

I filed a complaint with the sheriff's office, incident # 12-0736, and a short time later spoke with Deputy Jason Avery.   His feeling was that Collin Ferguson had at a minimum skirted the law in impersonating a police officer and Deputy Avery called the number given by Ferguson and managed to speak to Ferguson.  Ferguson denied impersonating an officer or claiming to have a warrant.  However, Ferguson refused to give Deputy Avery his employer's name or location and claimed to be a process server.

I then called the Federal Trade Commission and filed a complaint with them.  Ref. No. 350-022-05 for violation of the Federal Debt Collections Act.  [Two specific violations:  Failing to identify the company when asked directly and "The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer."

Using the internet, I was able to find others who have been contacted by this company and individual with a similar ruse.  Some of these online postings claim loss and fraud so I am not convinced his company is other than a scam artist at work on older people.  At best, the individual, Ferguson, is guilty of violations of federal law.  At worst, impersonating a police officer and attempting a fraud.

I too have been taken for $ 457 so far from this company claiming to take me to court.  I became more suspicious when the threats became more powerful and they were calling from a resticted number.  Also, when I called my bank they gave me a number, never has a live person answered this number it goes to message, then the "detective" calls back with a different number.  I'm now very suspicious.

I dont know if these people are for real. I think they are not legal. How do I find out?

I have also been contacted by this company and they got me for 250 dollars. I have submitted a claim with my bank to collect the funds but it is not looking too good. They conned me into signing a authorization form. So I dont know if my bank is going to use that against me.

Collection Agency named "Gibson, Michaels and Associates" at address 3840 E Robinson Road Suite 119, Amherst, NY 14228, claiming to be investigators and lawyers ready to serve you papers with a pending court order to appear. Looked all over online and could not find them as legitimate. I asked for a few days to investigate their firm as I was scammed by another so called "pending court order appearance" firm. They transferred my call to the Litigation Department, which turned out to be an even more aggressive collector who would not identify himself. I can't help but think they are in the same boat as the other firm that scammed me. I rather they take me to court; at least there I'll know their legit.