866-204-3699
ha ha ha
ha ha ha
2013-03-19 21:19:50
Debt Collector
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***.
MARIE103
MARIE103
2012-08-24 13:18:15
Unknown
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
Kati
Kati
2012-06-28 19:20:05
Unknown
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.
KE Guy
KE Guy
2012-06-25 19:57:23
Unknown
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
Kam
Kam
2012-05-16 12:50:08
Unknown
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
Mr. Consumer Protection
Mr. Consumer Protection
2012-05-10 23:20:28
Unknown
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!!!
Ididn'tbelieveeither
Ididn'tbelieveeither
2012-05-06 01:40:38
Unknown
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.
SPG
SPG
2012-02-28 17:29:38
Debt Collector
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.
Tricia Lee
Tricia Lee
2012-01-26 18:38:21
Debt Collector
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.
Kathy
Kathy
2011-12-05 14:55:27
Debt Collector
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
Destitute
Destitute
2011-10-04 00:48:08
Unknown
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.
Monika
Monika
2011-06-06 21:01:02
Unknown
Caller said name was Tanya MacDanial and Needed a call back today
A
A
2011-06-06 21:01:02
Unknown
somene who claims she/he is from a law firm but I highly doubt it.
A
A
2011-06-06 21:01:02
Unknown
I got two calls from this number but I am not the person named that they want to reach. The last name is the same though. I searched the number via the internet and what showed up is Chase Manhattan Bank. I have nothing whatsoever to do with that institution so the call is bogus to me!
julie
julie
2011-06-06 21:01:02
Unknown
claimed to be from a lawfirm Moore & Scribner
message for my sister-in-law needing a call back today
B
B
2011-06-06 21:01:02
Unknown
My ex-mother in law recieved a phone call from Moore and Scribner attorneys at law but i can not find anything out about them.  They are probably a bill collector or something.
Debra
Debra
2011-06-06 21:01:02
Unknown
i got a message on my recorder asking for my husband's ex-wife's name, she doesn't use his last name anymore. i called the number after 5:00 and no one answered.  i won't call again.
Elizabeth
Elizabeth
2011-06-06 21:01:02
Unknown
I received a letter from this companyMoore & Scribner Attorneys at law with this number 866-204-3699, requesting to pay 600 dollars, I would like to know if is any real company with this name?  Thanks
Rebecca
Rebecca
2011-06-06 21:01:02
Unknown
it is a bill collector...i know of the owner
J Nixon
J Nixon
2011-06-06 21:01:02
Unknown
I received a call today asking for me to call back.  I have no late payments, why would they call me?
dini
dini
2011-06-06 21:01:02
Unknown
They don't stop calling.
mooshi
mooshi
2011-06-06 21:01:02
Unknown
they keep calling my family members and harassing them; nobody from this place has tried to contact me.
Former Employee
Former Employee
2011-06-06 21:01:02
Unknown
The company is Moore & Scribner Attorneys at Law.  Before January 08, it used to be the Law Office of Larry Roach.  Julie Martinez is the owner but she is more than a dictator and turn around is massive because no one likes it there. They are a bona fide law firm in Ohio and they do sue for collection debt.  So, if you live in Ohio and they contact you with a balance of $500 or more, it's best to reach them.  If not, I wouldn't worry too much about it.  Their address is 155 Montrose West Ave Suite 200, Copley OH 44321. Hope this helps!
izzy
izzy
2011-06-06 21:01:02
Unknown
They are a law firm looking to collect on past debts.  They have been calling me and when they couldn't reach me, they started calling my landlord and harassing him...no joke.  I had to file a complaint with the FTC.
Dorothy
Dorothy
2011-06-06 21:01:02
Unknown
Yes, this is a law firm out of Copley, Ohio which is formerly known as the Law Office of Larry Roach (man, didn"t that name fit).  Anyway, they are calling to collect a debt.  Unfortunately, I got caught in the trap but I was guilty at having the back debt.  At first I tried to set up a payment plan with a male associate who informed me that this was not "Let's Make A Deal" and informed me that I had to pay the debt in full.
Then his supervisor took the call and was just as rude.  I eventually was able to talk to Larry Roach who set up a pmt plan with me which I have almost paid off.  I still constantly get letters and every now and then a phone call which tells me that if I don't have a pmt in by such a date, the whole balance will now become due.  I found out much too late that if I had denied the back debt, since they were in Ohio and I am in Florida, not much could have been done.  But I just wanted to get the debt paid and off my credit report.  Anyway, if you don't live in Ohio, don't let them bully you and if you do, you may want to get the debt cleared up.
kerri
kerri
2011-06-06 21:01:02
Unknown
they keep calling my parents and my parents have repeatedly told them I don't live there and they have no business calling them anymore.  I don't live in Ohio.  Someone is managing my finances to pay my debts and I basically ignore them.  They cannot take my family, nor my house.  So, they can just be ignored.  They are harassing people and they need to be stopped.
Misty
Misty
2011-06-06 21:01:02
Unknown
They called my inlaws, my husband passed away 11 years ago. I never give them as a credit reference. They said would not stop until I paid them 735.40. They were very nasty. I reported them to the FTC and my attorney is checking into the validity of the claim. They call my cell 3-4 times a day I do not answer. I am in SC.
DW
DW
2011-06-06 21:01:02
Unknown
Who is this and what are they doing?  They always want another relative and will not tell me anything.
Billy
Billy
2011-06-06 21:01:02
Unknown
So after reading all the postings above me, I can gladly and proudly say that I work at Moore & Scribner Attorneys at Law - formally Law Office of Larry Roach - which by the way Dorothy - from above - does fit because that is what his parents named him. That is not right to take a cheap shot at someone because of their name. Anyway as I said, I am proud of where I work. I have been there for just over three years now and love my job. As far as the job goes, we are not there to just collect money, where are there to help people change their lives for the better. We are a law office and we do sue those whom have the assets and have refused to pay their bill. We do sue on Ohio accounts but make no mistake about it, those that are out of state we forward on to the consumers state to an office there for possible suit. Yes there are statue of limitations in all states but I'm not saying that if you bill falls under that that you shouldn't worry about it and ignore the bill. Don't forget that the consumer ran up the credit card and got goods and or services for money that wasn't their own, that is what credit is right? They should be held accountable for their unpaid debt as well as myself. I have bills to, I know how it is and how frustrating it can be.

As far as us, including myself, calling people to try to get ahold of the consumer, we do our best with what we have. Alot of times the accounts come to our office without alot of info as to there whereabouts of the consumer. We might have old addresses and disconnected phone numbers. We no have a couple simple search engines that can be helpful and it's all just public record. There have been times I have called relatives of people or past relatives to get ahold of someone. Is it illegal? No. Now once it has been said not to call them and we continue to do so then yes. Trust me when I say alot of the complaints I have heard either on here or elsewhere are probable from people that we have talked to and whom were rude to our office and possible cussed us out or may be people who do know they owe their bill and were just upset because we found them after so long and they thought it was going to just go away.

I have talked to alot of people over the past three years and have had plenty of people thank me and our office for how kind we can be and for helping them through some tough times when nobody else would. I have people that have paid their bill already and still call back just to say hi and ask how are things going. I have even recieved thank you cards in the mail!

You - the general consumer that complains on here - say alot of bad things about people like myself and my co-workers and you have no idea that we are people too, just like you. We have bills to pay as well and we know what it is like to have people call all the time. You people say we are harrassing you? How so when we are asking you to hold up to your end of the legal binding contract that was signed for you to pay you bill? Sure there are alot of accounts where the bill is small but even if you charged 500 or 5000 dollars and didnt pay it back, wouldn't that be considered stealing? Think about it? I'm sure I could go on and on. Also, you need to keep in mind that we do deal with alot of people yelling and cussing at us everyday, and I do mean every day! So please watch your mouth and mind YOUR manners when you call our office. We don't call your home and yell and cuss at you.

Guess I'm done rant'n for now, if anyone wants to talk about this then please do respond to my posting. I'm not ashamed.

Lastly to remember.....I'm a person....just like you
SKIPON
SKIPON
2011-06-06 21:01:02
Unknown
Billy, MAYBE  YOU SHOULD SPEAK  WHEN  SPOKEN TO.
THE VAST MAJORITY  OF  YOU ARE DECEPTIVE AND YOU  KNOW IT
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