They are out of business now.  The best part of the whole thing was Julie's loose use of the term "Legal assistant" and manager.  It was a giant phone bank with some of the sleaziest people I have ever met in my life.   Think bottom  of the barrel here all walking around calling themselves legal assistants and Billy is not a bad guy just a jack***.

I have been lied to  by your company even after making a settlement. Then they came back for more. I am checking into legal action myself. By the way, for everyone out there record every phone call which I did. Make sure you tell them upfront you are recording. It is easier to sue them in another state than it is to sue you. By the way the phone calls come about a year or so apart and I wonder how much money they are saving by not settling the debt.v

Excuse me but, my dad has been yelled and cussed at by this number. Though, that's not really the company's fault, the person should have had more manners than that. And my dad, by the way, has never missed a credit card payment, either now or in the past.

And good people or not, if they're calling people several times a day, being rude, calling people who aren't the ones with the debt, it's harassment, and it is illegal. That would be like a law firm where I live calling a person who's in a civil lawsuit several times a day. Helpful or not, they just can't do that.

And, also a lot of the debt isn't their fault. My friend has horrible credit because her card was stolen. Her bank cancelled the card, but not before it was to late. The state isn't going to pay off that debt, the police told her that, while it sucks, she's going to have to pay it off. How is that fair? She's harassed by a collection agency for a bill that isn't even her fault. So don't assume that the person's credit is their own fault. Thanks.

implied I  needed to finalize my power of attorney papers and needed to get back to her before the close of biz today.  This message has been left 3 times

Mr consumer protection.....

You mention your web site where you break down all the details. What is that website? I was called by these guys for a debt that was charged off 5 years ago, and need some further insight as to how to handle it.

Thanks

Billy, Bily, Billy... do you want to recant your statement(s) before I expose the truth? We have one client with whom he suffered from Identity Theft not to mention the corruption and fraudulent actions by FIA Card Services... a so-called "wholly owned" subsidiary of Bank of America.  (http://classactionlawsuitsinthenews.com/class ... uit-settlement/ - http://www.prweb.com/releases/2011/8/prweb8728558.html - http://www.usatoday.com/money/industries/bank ... ment/51113170/1) In fact Billy just Google FIA Card Services, Bank of America, & MBNA Class Action Lawsuit. The proof is in balck and white.

So now Billy, Bank of America holds some midnight shredding partys to attempt to clear bad debt from their books that they in fact created and sells it to "Junk Debt Buyer" Square to Financial in Denver Colorado. This is in fact a debt franchisor. ( just checked the link and got a 404 -error! Not surprising when they admit they are a franchise! No worries! We copied and printed the page and have it posted on our site with the web address to that page and Square Two FInancial!)

Under Square Two FInanical is it subsidiaries like Collect America, Collect America Collection Vehicle (CACV) and Cach, LLC. Billy you know this don't you! In fact Billy isn't it true that your boss Larry is a "franchisee" and you guys rather refer to it as a "partner" as it sounds better in court. And isn't it also true that Larry's contract with Square Two FInancial aka Cach, LLC nets  him a 25% commission on anything he can collect, plus interest?

You work in a law firm Billy and you should know the law! So let me ask you some questions with regards to what we have so far... okay? If Larry gets a debt account across his desk (or yours for that matter), what do you have to do in court? Ahhh! You must show and prove the "chain of assignment"! Would you like to explain this or would you like me to? Okay, for example say a debtor has a Walmart credit card and their was an issue and FIA Card Services is the "servicer" of the account. For whatever reason, FIA is reporting and take over the account, then transfers it to the parent company Bank of America, who then sells or transfers it to a debt collector like Arrow Financial and then has Larry file suit on it. This means that Larry must gain and submit ALL of the authorizations, rights to the sales/transfers along with all of the accounting. Most people on here use the terminlogy of debt validation. But working in a law firm Billy, we both know in Ohio courts it is a motion for "More Definate Statement" huh!

Would you now like to explain to the general public what you do for your boss Larry? You get copies of the person's credit report and we both know those inquires stay on the person's credit report for two (2) years huh Billy! You also know that by federal law you and Larry can't view someone's credit report and determine as to whether Larry is going to take "adverse action" against them... right? With bing in a law firm Billy, you then know that you or someone has to bear the burden of proof when filing a civil complaint in court. Thus, this is where Larry submits his "Summary of the Facts"... right? Okay, lets review here a little for everyone Billy!

The debtor has a great payment history all except this one bad account. Can you report negative infor to the credit bureaus while an account is being disputed? Well? Yes or No? Isn't it also fair to say that if the credit report shows that The Law Office of Larry Roach aquired a copy of the credit report and then Larry signs his name to the complaint sumbitted to the court that includes "summary of the facts", that Larry is stating that he in facts has reviewed the documents and knows the fact of the case... isn't that correct Billy?

Would you also advise everyone of the false documentation that the firm and Larry sumbits as exhibits to the court. What? Really do you want to go there? You guys submit contracts without dates on them, you submits at least three (3) or more statement on the account to show there is definately an account but fail to show accounting as done in traditional bookkeeping... isn't that also correct? Further Billy, isn't also true that Larry is quick to cite case law Calvary SPV I v. Lorraine T. Furtado. 2005 stating that "courts have held that credit card argeementsbecome binding upon the parties upon the issuance and the use of the credit card; they do not require a signed agreement between the parties". Isn't that also a fact? But does that really hold up? Seriously how can Larry stand on his soapbox praying for judgment when the contracts he submits are not even dated? Plus as many judge have cited, the bogus bill of sale affidavits you guys submit lack serious business foundation! May you need to review Cach, LLLC v. Fatima!  And regarding those bogus affidavits, I offer you and Larry ohio case law where those so-called bill of sale affidavits were found to be false and fraudulent.
?Delawder v. Platinum Financial, 443 F. Supp. 2d 942 (S.D.Ohio March 1,2005);
?Griffith v. Javitch, Block & Rathbone, LLP, 1:04cv238 (S.D.Ohio, July 8, 2004);
?Gionis v. Javitch, Block & Rathbone, 405 F. Supp. 2d 856 (S.D.Ohio. 2005);
?Blevins v. Hudson & Keyse, Inc., 395 F. Supp. 2d 655 (S.D.Ohio 2004), later opinion, 395 F.Supp.2d 662 (S.D.Ohio 2004).

Now then, Larry still has to prove the chain of assignment and that he rightfully has the grounds to pray for judgment. Let's say he does for an example. Lets use the above example and and say there was theft, fraud. and basically identity theft with the alleged account. Give the fact that it came across your guy's desk, are you still allowed to attempt to collect on it? The rightful answer would be NO! Isn't it true Billy that the Fair Credit Reporting Act states:
FCRA 615(f) (15 U.S.C. § 1681m(f)) Requirements on Users of Consumer Reports ? Prohibition on Sale or Transfer of Debt Caused by Identity Theft, and FCRA 623(a)(6) (15 U.S.C. § 1681s-2(a)(6)) Responsibilities of Furnishers of Information to Consumer Reporting Agencies ? Duties of Furnishers upon Notice of Identity Theft-Related Information, and FCRA 605B (15 U.S.C. § 1681c-2) Block of Information Resulting from Identity Theft. Again, let's review! So with that being said, does the firm have a legal right to pray for judment? Interesting points huh Billy!

Wouldn't it also be fair to say Billy that Larry and and the firm are known to knowingly instruct the court(s) to service the complaints to prior known addresses of the defendant and/or debtor? Wait, hold on! Didn't you admit that you guys so-called attempt to find the person by a few search engines... public records. What happens when you guys "improperly service someone? Ahhh, they don't know about it and Larry seeks a "default judgment" simply because they did not know about it. From there isn't it true that Larry then files for garnishment of bank accounts and wage garnishment? Even if this is done, can it be contested? You bet cause you improperly serve the defendant! It's harder and more costly but it still can be contested!

Please explain to everyone what the firm does from this point... an attempted default judgment that is contested. Well simple huh! We know from your response that more often than not you guys lack serious evidence and even the manufacturered stuff is questionable. So isn't it true that Larry then files a motion for "Interrogatories and Submissions" pursuant to Rule 33 of the Ohio Rule of Civil Procedure? He also like to use rule 55 too huh!  Anyways, I will explain to everyone what interrogaties and submissions are. Simple! Questions and answers. Larry normally lacks true documentation and evidence so he uses this like cops do to try to get you to incriminate yourself. WIth this and as his case laws shows, Larry attempts and prays for a "summary judgment" based of the normal bogus and questionable evidence and exhibits he loves to submit.

Just know this: In Ohio if your case gets dismissed you have to note whether the judge imposes prejudice or not to the dismissel. If the case is dismissed with prejudice, then Larry is done! If not, then under Ohio law he gets a second attempt to try the case. I will tell you that it is a fact that Larry like to play games and sometimes he won't submit everything up front. So if the case is dismissed then he likes to come hard and heavy the second time around. Also you can bet that if a judge favors the defendant, it is evidenced in his cases that he will file an appeal!

Looking a bit closer it tends to cost Larry and his firm a few hundred dollars or less to file a complaint and YES, he has sued people in just about all 88 Ohio counties if not all of them buy now. SO stop and think about it. He gets and endless flow of cases from his Franchisor ( Square Two FInancial and Cach, LLC), then uses Cach, LLC as a front saying that is he client when in fact with him being the Franchisee with a 25% commission on whatever he is able to collect, his profit margin is sky high! Especially when you factor in the fact that nearly have of his cases are default judgments. People are just to scared to stand up to him or other collection agencies for that fact. The law is really on the side of the consumer!

Now the best thing is that his cases as all public knowledge! On our website we break it down for you! What does that mean? Well scroll up and review where we noted he used that case law a lot stating where court have found that you don't need a signed contract... remember? Well beat Larry at his own game! We have listed most all of his cases that were dismissed and in favor of the defendant. So in all of them you can offer them in court as to how other judges and/or courts have decided with cases Larry has tried! The court will consider them most of the time.

In short that is the 411 on Larry. Just do your homework and it is not hard! Get copies of your credit report often. Dispute inaccurate information. The credit bureaus by law have to investigate and report back to you in writting within 30 and sometimes 45 days! If you get a collection notice for Larry of his firm do not brush it off! Put the law into your hands! You ask the questions and take control of the conversation from people like Billy! In fact by federal law, they have to give you their name, the name of the firm, the contact address, the name of the original creditor, the amount of the original debt, and the charge-off date. If you want to be a prick well send Larry and unethical associates a cease and desist letter! Now Billy pointed out that they call family, friends, and nieghbors. Thay are allowed to do this but one once to try an obtain current contact info for you. So don't allow them to call more than once! Additionally you do have the right to deal with the original creditor! Despite what Larry and his cronnies tell you, contact the original creditor and confirm to see it the account was actually sold! Remember that if it was, Larry has to prove the chain of assignment!

You can also request the original creditor to buy back the account. It will be up to them and if the collection agency agrees, or their is no depend legal action! But if the original creditor says they didn't sell the account, get it in writting and then you can seek to dismiss the case!

There is some truth in what Billy said regarding Larry seeking legal action against you. Again his M.O. is to first seek a default judgment, then a summary judgement, then garnishment and/or wage garnishment. Allow me to advise you all of this. A lot of people have gotten judgments awarded to Larry and then quit their jobs, got fired etc. A lot have also changed bank accounts. You can do this and Larry will only be able to go off of any employers and/or current banks. Hence say he was awarded a judgment. All that means is that you owe him money. He then has to file for garnishment. So say you change jobs and banks during that time. The court will attempt to collect but it will be reported back that they changed jobs or the bank account is closed or no money in it. You can play that game if you want, but remember that in Ohio JUDGEMENT LAST FOR 20 YEARS! Near the end of that time, he can refile and extend it another 20 years! Larry is 46 now and who knows if he will live another 20. But is it really worth it to have small debt hanging over you head that long? Stand up to him and put the law in your hands!

If you need a lawyer, get one. Check with your local Bar Association and get a consumer debt attorney. Also if you find that Larry and his firm is playing games as like many I pointed out here, then contact the Ohio Supreme Court Disciplinary Counsel who issues licenses to attorneys and file a grievance on him for unethcial practices. Request for him to be suspended, fined and better yet, have his licenses revoked! If enough of you do that that will be the end result! This is all based on the case law files he has tried. Use it against him and beat him at his own game!

We have hurdred of people who have used the information we gave them to win against him. And we also have a great network of reputable attorneys who will battle him for you!

Educate yourself and put the law on your side! Good Luck! And Billy, next time just make sure you tell the whole story of just how unethical you guys really are!!!

I just wanted to post in case other people are reading this like I did and getting other bad advice. I was contact by the Roach office almost four months ago. They were very blunt and almost rude so when I hung up I was upset and didn't want to deal with them. I started my search for them and found this site and others like it. I also contact an attorney in my state to get advice. I'm currently living in san jose, Ca. It seemed that everyone was telling me the same thing not to worry there was nothing they could do I should just ignore them. So I did. about a month ago I received a  summons to go to court. I went to see the attorney this time thinking this was a mistake everyone said nothing could really happen. He then explained to me that it appears the Roach office was no longer handling the case that it was with a local office now I've never heard of and that if it was my debt there really wasn't much I could do. He explained to me that CACH,llc who owned my debt now was one of the top debt buyers in America and they would be able to provide enough proof to get a judgment against me. He then went on to explain that my state allows them to garnish mine and my husbands wages and put a lien on my home and force me into foreclosure  if they needed to. I've been searching my local court dockets for other CACH cases and it appears they are everywhere and do in deed garnish wages and put liens on property. I've yet to find any cases that they pushed someone in foreclosure but I'm scared to death for my court date next week. Just thought you all should know they might not be able to do anything but it appears there client can. Good luck if your dealing with them I hope you don't end up where I am.

Law Office of Larry Roach.  They called me for a person  I did not know. I told them they had the wrong number and they quizzed me on my address.  Everything they had was wrong.  So I was polite but firm with them. Chad supposedly removed me from the list.  But really, this guy is really named Larry Roach????? Hah, thanks for my Tuesday morning laugh.

866-204-3699 identifies themselves by first name, Chad, (& a couple other first names from same number) and calling from the Law Firm of Larry Roach.
1)  We will have to put a claim in on your property in another state.  2) you will have to pay legal fees to appear in court hearing and come to home state to do that - that is expensive - do you want that?3) we will have to take legal action again you and your husband  4) you don't know what your husband is doing with the money  5) very condescending tone & totally non-caring about health issues & flood damages to home 6) contact other people with the same name (we were told about my family). 7) constant calls - sometimes 4-5 times daily.

I returned a call from this number today (Dec. 5th 2011. "Crystal" (ext. 3604)said she was calling from the Law offices of Larry Roach. This is a collection agency

Sorry, but your type are the scum of the Earth. You buy old debts for pennies on the dollar, hoping to profit from someone else's  misfortune. Interest rates apply to balance out the risks associated with lending money, and the money lenders always profit. If they don't, they just get a taxpayer bailout. People have to default on their debt for various reasons. There will not be many whom have the ability to pay, but choose not to at the expense of their credit rating. Using intimidating tactics against the most vulnerable in hopes of getting them to pay something they really can't afford is just a despicable practice engaged in by bottom feeders like you. I hope you suffer a miserable, slow demise.

Maybe there is more than one office with this name because they are not in Copley nor are they a collection firm!  There are on Turkeyfoot road in Portage Lakes, Ohio. I am freinds with Mr. Moore.

Billy,
does Julie know that you are giving all of her secrets away? - I hope you arent trying to educate all the worlds debtors on company time! - Is this debt collecting approach working for you? have you hit your bonus yet, because of it?

WOW !!
you are really mad. calm down take a deep breath. breath in now breath out. it's not that serious sweetie. your company calls me every day for about 1yr and half going on 2 and I look forward to your call. I miss you when you don't. Now here is the key; GOD is GOOD. we can and I can only do what I can do.One step at a time I can't give it all alway, but I handle what is in front of me one step at a time. And I hope and pray IF and WHEN my financial situation improves then arrangements will be made you will be the next step. but until then relax.  I know you have something very sarcastic to say but that's cool really it is. I just hope you don't encounter some of life unexpecting changes since you have it all together.  Remember to smile Heaven is looking down upon us all.

oh yes, doesn't that stink well at least you tried but the sad part they don't care. I hope things work out for you just 2 weeks you think you were asking  4,2 years and if you were you were still paying on it.
Bummer

This is a very old message but still valid until this day as profound as this may sound, if it wasn't for many of the people with financial hardship, you wouldn't have a job. everyone is not a dead beat. Many of the collector NEED to be on the recievers end with your/their hard luck story. I don't think youand or any would take it so kindly. The anger and fustration does reflect on the collectors, because of the insensitive nature. I don't agree the collectors should be curse and or yelled at, but nevertheless the rudeness MANY of the collectors subject the callers in the attempt to collect is horrible. A lady 89 yrs old, husband just died she trying to get everything in order but yet the collection agency is hounding her 20-30 calls a day Now that is TRULY ridicules, she gets a lawyer to help her with her situation and once it's final. Uhm she dies a short time later. A mother just found out she has cancer, A father hurt in an accident wife never work the list goes on, a child is sick hosital bills mount up. I guess that's a Great Feat for your company and many others. Yes their are many who don't and won't pay their debt but many have to go through your company and many more like the one you work for with their harassment tactics and yes it is harrassment no matter how ever YOU wish to call it. Because if a person the company is trying to collect from is very compliant and the collector is rude then what? You can say YOU haven't done it but it has came out of the company you work for and many others. So many people do have valid complaint Many people are struggling with the bare nessecities no one really expects to be laid off-sickness-hurt, death, when they sign for the credit many had the financial means to pay it. Now when you don't have it, now WHAT? unemployement benefits if you quailfy- welfare you paid into the system -if you again quailfy- so yes where does trying to pay your outstanding debt fit in your budget this doesn't apply to everyone but for many it does. Many will call a head of time to make arrangement but can fall short on the unexpected. And to put on their credit report FRAUD is truly bad business. Be thankful as strange as this may sound bad debt will be around so hey you got a job. Hope you are still working there, hope they don't decide to let you go and YOU can't find anything and OOPs . Your company is calling you.
I know this doesn't apply to everyone but reality is what it is. Their used to be a commercial out years a go when a caller call this gentleman, he was still in his PJ's caught a cab then an airplane the next thing you seen he was standing over the person who called him can't remember what that was about but IF it was possible to do. I wonder how many collectors would still have a job or rather a life.
Many are stress out we need to work better on this.

These scum bags call my home every single day, they don't a message on the machine they just hang up.
They call at least 3 times every day. I answered once and spoke to a guy who had a power trip, probably was molested as a child and now feels the need to act in a "power position" since he was always on the bottom.
Anyway he asked me so many questions about the "debt ower" that I started to have a little fun with this prick... gave all sorts of bu***hit answers that'll keep him wondering for days.
So when these morons call you, don't run and hide, pick up the phone and tell em a bunch of stories, ask them a hundred questions. I made this a**hole hang up on ME!!!
Keep it fun, f*** with them when they call, remember credit card debt is an unsecured loan, they can't do s**t!

I just heard a message that this company left on my answering machine.  The weird thing is it was for my father who passed away 6 years ago!!!  I wonder if I should call to give them the news or just let them keep calling. And my father lived in Mexico for over 10 years with no credit in the United States, so I wonder what they are trying to collect!

I have also gotten calls from this number.  They are saying the exact same things as stated above.  The only thing that I am concerned about is that I had a co-signer on my loan and they are threatening her also.  They are telling us that they are going to advise that the company files suit and that a lien be placed on my co-signers property.  Is this possible?  I am really questioning everything that they were saying to me since it sounds like they have said it to most everyone.  I was also told that I could not use a debt counselor to work with this and why would i  do that anyway...then one other person I said told me to figure out what I could pay upfront and what monthly type of payments I could make...the next person said absolutely not!  I feel like I am realy getting the run around.  Any advice?

I am not a debt collector basher - unfortunately, it is a necessary evil.  However, yes there are practices out there that questionable to say the least.  No one should be made to feel belittled or ridiculed when a collector calls.  No one should be threatened.  

Bad Debt is sold off by the parent companies to other agencies at a reduced rate or price.  These other agencies can attempt to collect the debt for the full amount that is owed, plus legal fees if there is a ligitimate chance of collecting through the court system.  So there is money to be made out there for these other agencies.  They make a profit from collecting the accounts.

Not all bad debts are collectable - if there are no assets or no income to secure the repayment of the debt, then the account may be deemed uncollectable.  The debt doesn't necessarily go away.  Based on the circumstances of each individual case/account the attorneys that get involved will decide what the best course of action to collect the debt is.

However, before getting to that point, a subdivision of the law firm is the collection department.  This is where the collectors attempt to collect the debt before the attorneys get involved.  These collectors are the best avenue for the firm because if the collector can get the debtor to pay the money they owe, the firm makes money.  Saves time and resources.

* These collectors are usually paid a regular salary and commissions - this means they get a quota of how much money they need to collect and if the meet or exceed that quota - they get a bigger paycheck.  And who doesn't want a bigger paycheck? And let's be honest - the collectors that make the most money using these tactics are going to justify what they do to collect these accounts.  Some collectors have quotas well over $100,000 a month and if you get say even 5% of that every month... think about how much you many you could make doing this.  These collectors have a vested insterest in continuing to use these tactics.

So, the tactics that are used are established by the company and the collectors use whatever they are allowed to do to collect the account.  If the tactics this office uses are consistant across the board, then the company itself has established that these tactics are allowable.  And of course they want the amount in full immediately - that is what the collectors are trained to do.  You always demand the amount in full on the first call.  Making payments to the office is not reliable - because you can always stop sending in monthly payments.

*Another insider note: the quotas only count actual collected - so what is better for the collector - collecting $1000 right now or taking $20 a month for the next God knows how long?

There are set rules that the federal government have in place.  The wording collectors use is very specific - may be sued, may be garnished - this way they are not straight out telling you that you will be sued - because they cannot threaten you with that unless they really are going to do it right then and there.  So listen closely to the words the collectors use.

And every consumer should know the full terms of the agreements.  Read everything before you sign it.  Some credit contracts double or triple your interest rate if you are even just 1 day late.  Read everything before you sign it.  Your signature on these contracts indicate total agreement and saying that you didn't know will not work.  The other thing consumers need to know is the debt collection laws - federal and state.  

Go to google and look up Fair Debt Collections Practices Act.  Call credit counselors and even if you are not going to use them, they will give you information to work with.

I recevied a call from these people last night for my ex-mother in-law.  She does not have my phone number to give as a reference and my number is also unlisted and registered on the do not call list.  When I told the lady that she was calling for my ex-mother in-law with whom I have no contact to please remove my number, she proceeded to tell me that since I do know the person with whom she was trying to make contact, she will keep calling.  All I got was a first name and extension, but I will file a complaint

I totally understand that bill collectors are trying to do their job and collect on bills, but these guys didn't contact me or even my family a single time...they called our church and left messages there

caller wanted to contact my granddaughter.  would not give reason or subject. Granddaughter knows of no reason attorneys would be contacting her.  Who or what is this scam?

I'm sure that those attorneys are merely ambulance-chasers who ran out of ambulances to chase.

Personally, I find it quite ironic that you appeal to ethics, when Moore & Scribner have clearly shown they have none. But then again, I suspect that you work for them, given your tone and the defensive nature in which you conduct yourself.

JEFF, DO YOU HAVE DELINQENT DEBT OUT THERE? IM SURE THE ATTORNEYS WENT THROUGH ALL THAT SCHOOLING JUST SO THEY CAN HAVE IT ON THEIR LETTERHEADS. IT IS SAD THAT PEOPLE HAVE TO BE SUED IN ORDER TO GET THEIR ATTENTION. IF YOU THINK IT DOESNT HAPPEN, WHY ARE SO MANY PEOPLE BEING GARNISHED OR HAVING LIENS PLACED ON THEIR PROPERTIES. OH, PROBABLY BECAUSE THEY STOPPED PAYING THEIR BILLS AT SOME POINT AND THEN THOUGHT EVERYTHING WILL JUST GO AWAY. YOU CAN MAKE EXCUSES ALL YOU WANT -- THE COLLECTION AGENCIES AND LAW FIRMS ARENT THE ONES THAT CHARGED UP A CREDIT CARD AND NEVER PAYED IT BACK. THERE WOULDN'T BE A NEED FOR SO MANY OF THESE COMPANIES IF PEOPLE TOOK A CLASS IN ETHICS. DONT SPEND MONEY YOU DONT HAVE. AND YOU WILL NEVER BE IN THIS SITUATION.

THE BOTTOM LINE IS NO ONE WANTS TO BE TALKING WITH COLLECTORS. ITS EMBARRASSING TELLING A STRANGER THE REASONS WHY THERE ACCOUNTS ARE DELINQUENT. THE FUNNY THING IS THAT EVERYONE HAS AN EXCUSE AS TO WHY THEY CANT PAY THEIR BILLS. DOES IT REALLY MATTER WHETHER ITS A COLLECTION AGENCY OR A LAW FIRM - ( FYI ) MOORE & SCRIBNER IS A BONA FIDE LAW FIRM . ITS SAD THAT IT TAKES THE COURT SYSTEMS TO MAKE PEOPLE PAY THERE OLD CREDIT CARD BILLS. REGARDLESS OF WHAT IT WAS USED FOR.

I spoke with Billy and two different office managers within the last two days. (I felt as though it was a game of good cop/bad cop.) I was pushed to ask friends and family to loan me the money, or to allow me to use thier [my friend or family member's] credit card or line of credit.  I informed them that I could not produce the full amount owed - at no time denying the debt - but was willing to work on paying the debt. I was informed that was not acceptable, and that they would recommend suit to "thier client".

Caller said name was Tanya MacDanial and Needed a call back today

A S,

It's no secret that those who have an account in our office that want to get something done and call me to do so, get it done. This is not a debt collecting approach by speaking my mind on here. This is on my time, not company time. And as far as hitting my bonus goes, well I bonus everyday when I help someone get something done on their account. It's the pride and honor that comes with my job to help people when no one else would on their accounts.

This company called my former foster parents and left a number of messages a few months ago, but to their credit, did cease calling when requested to do so.

To their *discredit*, this company is a bad egg as far as collection agencies go. They title themselves after a law firm in order to intimidate people into bending to their will, and will threaten people over the phone if the response is not to their satisfaction. I called this number this morning in an attempt to arrange payment, informing the agent I was speaking to that I was going to pay by money order, and she flat-out demanded that I pay by check. Well, I'm not about to trust such an agency as this, so I naturally refused, and informed them that I was going to pay by money order, and that was the end of it. So I was directed to her supervisor, who demanded, threatened, tried to argue that I was in no position to negotiate (I'm sorry, sir, but I'm not negotiating, I'm telling it like it is. You WILL accept my Western Union money orders as I will NOT be mailing my bank account information to roaches such as yourselves),  belligerently told me that he was going to recommend suit, and hung up.

I fear the agency is all bark and no bite, however (not that I particularly wish to test this theory). A collection firm shouldn't have to advertise itself as a law firm and try and intimidate consumers or their relatives, nor should they threaten suit when a consumer informs them that he or she is making a payment in excess of the minimum in a good-faith effort to pay the balance.