QUIT CALLING NOBODY IS INTERESTED IN YOU AT THIS NUMBER

apothaker  is  a bum

This people call my phone at least once a month.  With my first name but no where near my last name. They are ridiculous.

I don't know why they called - I had a debt but it's been paid for a while now.  I haven't called back and I don't think I'm going to.

According to www.ConsumerLitigators.com, Apothaker & Associates are real bad apples. They keep calling my cell, but I live in NY. Consumer Litigation Group only has consumer lawyers for PA & NJ. Does anyone have a referral for a NY consumer rights lawyer?

They call everyday even Sunday. Sometimes several times a day. Getting ready to contact my lawyer.

Apothaker & A**. These people call everyday. Sometimes they leave a message. I never answer and never will  because everything I read about them is bad.

C***-sucking debt collectors who want you to think they are hot-s*** lawyers who are about to sue you. The realityof the situation is that it's utter and complete b***s***!

These little s****! I'm gonna break their heads on Monday with those lawyers at www.consumerlitigators.com. Just watch! Wont stop calling me all day!

Consumer Sues Portfolio Recovery Associates LLC for Filing a Time-Barred Collection Lawsuit

by Joseph Mullaney on January 4, 2010 · http://consumerlitigators.com/fair-debt/consu ... ection-lawsuit/

A New Jersey woman hired the Law Office of Dimitrios Kolovos, LLC to file a lawsuit against the debt collector Portfolio Recovery Associates LLC for allegedly violating the Fair Debt Collection Practices Act (FDCPA), the N.J. Identity Theft Prevention Act (ITPA), and for publishing private facts about her. Both The FDCPA and the ITPA are powerful consumer rights statutes regulating the conduct of consumer debt collectors. The Consumer filed her lawsuit in the United States District Court for the District of New Jersey located in Trenton, New Jersey and demanded that judgment be entered against the Defendants for her statutory damages, actual damages, attorney?s fees, and the costs of her litigation.

The Complaint alleges that Portfolio Recovery Associates LLC (a junk debt buyer of old, defaulted debts) unlawfully employed its debt collection agent, Apothaker & Associates, P.C. of Mt. Laurel, New Jersey to file a state-court lawsuit on time-barred, consumer debt. Her Complaint also alleges that Portfolio Recovery Associates LLC disclosed Plaintiff?s private information including her date of birth and social security numbers to the World. ?A debt collector is forbidden to file a lawsuit on time-barred, consumer debt,? her attorney Joseph A. Mullaney, III said. ?To do so is an unfair debt collection practice and violates the FDCPA,? he continued. What makes the Complaint of particular concern to the public is that it attempts to enforce the ITPA against a debt collector who publishes a consumer?s social security number in the public record. ?My client is exposed to identity theft and other unauthorized use of her identity information because Portfolio Recovery Associates LLC disclosed her social security number for anyone to see,? her lawyer continued. ?She is afraid someone will steal her identity,? Mullaney finished. The Complaint also seeks punitive damages against Portfolio Recovery Associates LLC for allegedly disclosing the Consumer?s private and confidential information without authorization.

Pennsylvania and New Jersey consumers who believe their fair debt collection rights have been violated are invited to click here for a no-obligation assessment of their consumer law matter.

PA Woman Sues Apothaker & Associates, P.C. for Debt Collection Violations

by Joseph Mullaney on November 10, 2008 · http://consumerlitigators.com/fair-debt/pa-wo ... ion-violations/

A Pennsylvania woman hired the Law Office of Dimitrios Kolovos, LLC to file a lawsuit against the debt collection law firm, Apothaker & Associates, P.C., and several of its employees. The lawsuit alleges that the Defendants violated the Fair Debt Collection Practices Act (FDCPA), a powerful federal law regulating the conduct of consumer debt collectors. She filed her lawsuit in the federal court sitting in Philadelphia and demanded that judgment be entered against Apothaker & Associates for its alleged FDCPA violations and demanded statutory damages, actual damages, attorney?s fees, and the costs of her litigation.

The consumer hopes to bring to the Court?s attention, among others, the following allegations:

1) Apothaker & Associates deceptively advised the consumer to ignore a state-court lawsuit it first filed against her if she made payment arrangements on an alleged consumer debt.

2) Apothaker & Associates failed to advise the consumer that it was actually attempting to collect an alleged consumer debt when discussing the state-court lawsuit with her.

3) Apothaker & Associates? employee pretended to be an attorney when it was not an actual attorney.

4) Apothaker & Associates threatened to default the consumer in the state-court action because she did not file an answer to that lawsuit. This threat was issued after it told her that she did not have to worry about the state-court lawsuit.

5) Apothaker & Associates unfairly increased the amount she allegedly owed after she allegedly agreed to begin making payments on a lesser amount.

6) Apothaker & Associates stated that it was not a debt collector when, in fact, it clearly is.

7) Apothaker & Associates refused to provide the consumer with written confirmation of a payment plan in lieu of her having to worry about the state-court lawsuit.

?Consumers should be very wary of any debt collector refusing to give written confirmation of a payment plan,? said the consumer?s attorney, Joseph A. Mullaney, III. ?When a consumer is sued on a debt, he or she should never trust the debt collector?s word that the consumer can ignore the lawsuit,? Mullaney continued. ?How is a court to know that you settled the suit if there is nothing in writing?? he inquired. ?Better yet, when a debt collector sues a consumer, that consumer should immediately and without delay contact a consumer rights attorney.? ?Most consumers are ill-equipped to deal with the deceptions debt collectors say to get money out of them,? he continued. ?In fact, most consumers do not even know their rights were violated until it is too late; by then, the court has already defaulted them.?

Pennsylvania and New Jersey consumers who believe their fair debt collection rights have been violated are invited to click here for a no-obligation assessment of their consumer law matter.

please stop calling.

law office of rude people dont bother

Apothaker & Associates Law Firm

h9r6

No message left

http://www.consumerjustice.com/consumer/agencydetail.aspx?id=4912
Apothaker & Associates, PC  
2417 Welsh Rd. Suite 21, #520
Philadelphia, Pennsylvania, 19114
--------------------------------------------------------------------------------
Phone No.  215-634-8920 856-780-1000  
Fax 856-780-1020  

David J. Apothaker, President


Is attorney David Apothaker a liar? He swears on court documents to events that blatanlty false.

Works out of a UPS drop store as franchisee for CACH & CACV.

Apothaker gives the impression of someone who is desperate.

Strongly advise anyone dealing with him to seek assistance from a professional.

If Apothaker is willing to lie on his court filings, what else would this attorney do to get to your money?

Do not trust him.  


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




Time-Barred Debts
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtm

There?s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors ? or if you dispute the legitimacy of a debt ? a debt collector may contact you.

?Time-barred? debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General?s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org.

Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a ?debt collector? generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.

The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.
Collecting Time-Barred Debts

Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.

Whether a time-barred debt ? or any debt for that matter ? can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.
Contact with Collectors

Can a debt collector continue to contact you about a time-barred debt you don?t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you?ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you?ve gotten proof of the debt.

You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you again ? except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn?t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.
Future Collection Efforts

The best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney?s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.

The FTC works 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 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. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. 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.
October 2004

Apothaker sued me within a few days after an emotionally out-of-control Apothaker collector threatened to sue me.  I filed Preliminary Objections and Apothaker withdrew his complaint, but has continued to harass me with endless computerized telephone calls.

I received a call from this number.  A real person left a message.  The call was from Apothaker & Associates, P.C., a debt collector.  

In my experience, David Apothaker, Esquire is a total sleaze and dishonest.  His case filings are childlike and incompetent.  Plus he LIES in the case filings.

Do NOT pay a penny to Apothaker unless you are 100% sure you owe money to him.  Always talk with your original creditor first.  Look closely at ALL documentation from him.  He may say that you owe money to Plaintiff and then attach documents to his filing for a totally different person.  He tries to intimidate and scare people.

Apothaker is a prolific lawsuit filer.  Some are of the opinion that he buys junk debt and then harasses people to pay money to him on it.  Be very careful!

Are you all ready for this BS...these people are calling my elderly parents(81 and 84) looking for someone who lives in Ohio...I have retained a lawyer and we are now suing every last one of these leaches....I am nailing them for Alder abuse as well.....

It is illegal for her to threaten a law suit on you.  SO keep all of this documented just incase they do end up taking you to court, along with the validtion letters you have sent before the 30 day validation period to the previous collection agency.  You have to take a few things under account to figure out whether they will actually sue you.  Because if they threaten lawsuit it's probably either a scare tactic or because they are actually going to do it.  So find out if they can practice law in your state even and that will pretty much tell you whether they are just being dumb a***s.  In any case, you should even file a complaint with your attorney general to have that incident documented.  You can do all this online.

The caller told me that she was from a law firm.  However, when I asked her if she was a "collector," she said "yes."  She told me her return # was 1-800-672-0215. I had to request her extension.

The woman was very abrupt and short with me.   American Express retained her firm BEFORE 30 days had elapsed from the date I received a letter from an earlier collection firm.  I had responded to that firm's letter within the 30 days it gave me to respond.  My letter should be delivered tomorrow.

The collector wanted me to tell her what I wrote to the prior collection firm.  As I hesitated, she told me that she could find out what I wrote.  I told her to do so.  Because I was not responding the way she desired, she quickly told me she was going to file a lawsuit against me.  Then, she ended the call.

These collectors have ZERO interest why a great paying customer stops making payment all of a sudden.

Oops not a sex line must have dialed 1-800 instead of 1-856, but the rest of the call is correct.

I recieved a call at 8:15am on 9/29/09 from 1-856-780-1000. When I answered the phone the person on the other end asked for my wife by first name. I told him she was not home. I asked who it was. He simply replied "Brian". I sad, "Brian who". He responded by saying, "oh...ahh...Brian from the attorneys office". Then hung up. Is this professional?? I don't think so. So I called the number back to get some more information. When I got through I recieved a message to call 1-800-387-TALK. When I called this number it was a sex line. What is this all about? What can be done about this?

Received a call at 3:12 PM.  I wasn't around, but they left a voicemail looking for someone that isn't me.  When they said to hang up if it wasn't me, I did.  I've received multiple calls from solicitors, collection agencies, and friends looking for this person, so I guess they used to have this number before me.  I don't even own a credit card, so it's highly unlikely I have any debt.

It's a "hole in the wall" collection agency with a crappy website. Don't believe me? Check this out: http://fdcpalaw.blogspot.com/2008/04/youve-been-sued-by-apothaker-associates.html


Their tedious voicemails follow the same script every time. "This is a message for (insert name). If you are not (insert name) please do not listen to the rest of the this msg. There will be a brief pause in this message. BLAH BLAH BLAH..." They can be a little more creative, right?

ive had the same calls its horrible want them to stop

If these guys are collectors, I'm going to have fun reporting them to the Attorney General of PA.  They called my home phone at 9:28 PM and I have the proof of this via my phone company's online service.  Calling after 9:00 PM is a big no-no.  Pretty sad coming from a group of "lawyers".

This agency is calling me about my husbands debt (incurred during his first marriage) They have been harrasing me and leaving messages for both my husband and myself!  They have been extremely rude to me saying "I can speak to you any way I want"  I reported them to consumer affairs and the federal trade commission.

I received this call also.  They called me at work.  I told them not to call me at work, and they asked what my home phone number was.  I told them they have it on file.  The said that I was refusing information and responsibility for my debt, and hung up on me.