Jr never was a partner nor in management, he was a collector. Get your facts straight and he never went and worked for Matt merchant either he opened his own agency called albright recovery services or the department of a.r.s. which flopped bigtime!!!!!

This company is run by Kirk Krofka and his boy jr. and melissa who just want your credit card info and take your money...they are not lawyers and portray themselves as such...they are scum and don't give your credit card info as they increase the amount from $350 to over $1000...please someone put these guys out of business!!!!!!!!!!!! They will just change their name but same people work there.

Why dont you shut the hell up.  No one in there right mind would pay a company who threatens you.  This is not the way a legit company performs business.  It is against the law to harass and threaten people.  Also they refuse to send anything in writing.  I would want to pay the correct company for which it is owed not some low life scammers trying to get money out of people.  As;;Hole

A Lady named Nadine called me, my job and showed up at my job with papers to serve me today...I was not there...I called the number back and gave the reference # that they left at my job...Ms Broadway said that I walked into a payday loan place and took out a loan and it needs to be payed back now or i will be served at work or home by Monday...any suggestions???

new name of company is northwestern agency llc.....located at 636 sheridan drive tonawanda ny 14150 and 536 west third street jamestown ny 14701 its on the second floor of the wesgate office building accross from paces pizzaria...they are no longer located at 78 webster street north tonawanda ny. due to they changed there name and federal tax id bc of two current lawsuites that are pending...landline number for jamestown ny is 716 338 0024...this office is ran by melissa mega moooooo  krofka and her brother a co owner kirk p krofka....the 636 sheridan drive offices number is 716 898 2080  and is ran by michael gibson other co owner...the other owner is kirk and melissas father kirk g krofka who resides in frewsburg ny....yes kirk and michael are both wanted for federal tax evasion! call karen davis of the nys attourney generals office and turn them in for internet crimes, fraud, cyber bullying, and breaking fair debt collection acts, also scheming to defraud people.

actually Kirk is the only one there that isnt a scam. Him and his father tried to make a honest comapny and others go and trash it ino the ground....working there own collections out of his building and his name....buring all calls that come thru that dont belong to them, stealing clients from jamestown an claiming they are the ones who dont own the debt, hello, thought you worked for northern tier agency

you are def not a for real company...well at least theones on webster!!! you up the amounts by hundreds of dollars and buy underground paper that most of the time the ppl already paid. Paying your debts is one ting, of course you shuld and most ppl do pay thier debts but when a company likes yours calls and refuses to even send outdocuments well....edward williams is not even your real name. p.s. it is ileagal to not us your real name when making collection calls

NORTHERN TIER AGENCY IS LOCATED AT 636 SHERIDAN DR. IN THE TOWN OF TONAWANDA IN WESTERN NY RAN BY DRUG ADDICTS AND WANNA BE PROFESSIONAL LIARS.CHECK THE BUFFALO ARREST LOGS FROM 01/07/11 FOR TRAFFIC STOP TURNED CHASE/DRUG BUST.LOL.REPORT THEM TO KAREN DAVIS WHO IS THE DIRECT LINK TO THE ATTORNEY GENERAL IN NY..BETTER HURRY TOUGH CUZ THEY'RE GOING DOWN REAL QUICK.

kirk and kelly smoking crack in a tree, puff puff pipe dream sniff the coco leaf, first comes high then comes low next comes an abortion payed by kirk the hobo!

kelly curry is a skank b***h

Kirk p Krofka his grave stone will read as follows: here lies a filthy f***in loser and crackhead. born and raised wrong and died all alone because nobody ever loved or liked him! coke fiend bum

moshanda i bet u that u used to work for this company and u probably sniffed coke with kirk! smoked crack with kirk! prolly even took money for sex! he is known for paying ugly women for sex thats y i say this. f*** off and yeah yeah

I see Kirk Krofka at the bars everynight with a cocaigne donut around his nose. Dried up bugars hanging out of his nose! This guy LITERALLY looks like one of those people on the dont do drugs commercials. Kirks face looks like someone inflated it to 300 psi and kicked him in the nuts. One of the ugliest people I have ever seen. He sleeps with stripers from Mondays who probably have HIV or some STD! Someone please tell him that he needs to commit suicide and do himself a favor.

KIRK KROFKA IS A CRACK HEAD LOSER WHO HAS NO FRIENDS AND GETS LAUGHED AT BY EVERYONE IN JAMESTOWN NY! BUFFALO NY! FREWSBURG NY! HE IS A COKEHEAD LOSER ALSO A DRUNK. IF YOU SEE THIS MAN JUST LAUGH AT HIM BECAUSE HE IS THE SCUM THAT HIS FATHER OWNS THE COLLECTION AGENCY ON WEBSTER ST IN TONAWANDA...SHERIDAN DRIVE IN BUFFALO...WESGATE ON 3RD ST IN JAMESTOWN ALONG WITH CO OWNER MICHAEL GIBSON THE NIGGER CRACK HEAD ALSO...KIRK SMELLS AND ALSO IS A F***OT...HE SUCKS DICK AND F***S MEN!  ALSO LETS MEN F*** HIM UP THE A**

i have received a call from lead investigator murphy  he is a collector for payday loans.  He wanted me to pay a loan that i supposely had back in 2006 or i would be arrested.  When I ask for the address of the business (they answer the phone check and business) he would not give it to me. I told him that a payday loan was a civil matter and could not be prosecuted via the courts and what he was doing was illegal and that i was reporting the business and him to the attorney general office in arizona and new york.

THIS COMPANY IS LEGIT AND HAS GOOD INTENTIONS TO HELP YOU MAKE GOOD ON BAD CHECKS IF YOU HAVE A COMPLAINT ABOUT THEM ITS CAUSE YOU ARE A LOSER AND TRY NOT TO PAY $ YOU  OWE YOU SHOULD PAY THEM AND THEY CAN KEEP U OUT OF COURT OTHERWISE U WILL HAVE ALOT OF FINES AND OTHER PUNISHMENTS FOR BAD CHECKS

I also received a call from lead investigator murphy at my job, with threats of a warrant for my arrest on felony fraud charges.  he demanded that i pay an amount all at once. when i tried to question him, he would not answer any of my questions. i called this 866 number back when i got home, which he told me was a satellite cell phone, and a lady answered. when i asked her what business this was she became rude and demanded a customer/case number. i informed her that i would be reporting them to the public service commission and the better business bureau and she hung up in my face.

I also got a call from this number 1-866-717-3444. The lady did not give her name only that she is from the check and fraud department. She stated that I had a compliant filed against me in the courts.. it was attached to my ss# so it was mine.. so she says. She said that I had only 24 hours to call back with money I supposedly owe or I would be incarcerated for check fraud. Very rude and would not give any additional info.

A voice mail was left on my phone 7/28/09 stating that this is Jill Owen and this is a pressing matter pertaining to a pending court matter that needs to be resolved by 5pm July 28. A pending court case and complaint against me for theft of services. Stated for me or my attorney or whoever would be handling this to call back. Then called again 7/30/09 with same message stating her name Jill Owen but this time stating this is the litgation and filing department with a pressing matter etc and i have till 3pm to resolve this matter. No further information was left such as name of company etc. Again stated to for myself, my attorney or whoever to call back to resolve this problem or I would be served with a summons at work.

Number comes up private but I know this is spoofing and I have no cases against me so this is annoying when they are leaving harassing messages on your phone. I will be filing a complaint with the attorney general.

I had a call from some process server telling me that i had 4 charges pending against me. Basically he said i commited check froid and if i didnt pay them 950.00 today by my bank card then saint louis county was coming to get me at work. I felt sketchy about this place so i did some of my own research. Turns out this is a payday loan collection agency and there are lots of complaints against this company, also when i called the first number back it went to saint louis county sheriffs office and they said they never called me. If anyone gets a call from this number hang up immediatly and dont pay them a dime there a SCAM!

THESE PEOPLE ON THIS SITE ARE THE REAL SCUMBAG LOSERS THEY LOOK FOR ANYWAY NOT TO PAY THEIR MONEY THEY WERE LOANED,ITS GOOD WHEN YOU SCUMBAGS GET THE MONEY BUT NOT WHEN ITS TIME TO PAY THEM BACK I KNOW THIS COMPANY AND THEY DO NO SUCH THINGS AND YOU PEOPLE SHOULD BE ARRESTED CAUSE YOUR STEELING MONEY  AND WHEN ITS TIME TO PAY BACK YOU LIE AND CHEAT AND STEAL AND HAVE NO INTENTIONS TO PAY THEM BACK YOUR ALL LOSER SCUMBAGS AND SHOULD BE ASHAMED OF YOUR SELFS AND YOUR MOTHERS AND DADS AS WELL THIS COMPANY IS GOOD AND JUST GETTING $ YOU LOW LIFES GOT LOANED

IF U GET A CALL FROM THIS # CALL THE POLICE ASAP

YA THESE PEOPLE ARE A SCAM,THEY RAISE THE MONEY ON EVERY DEBT.THEY TELL PEOPLE U OW ONE AMOUNT OF MONEY WHEN REALLY ITS LESS THAN THAT AMOUNT.THEY CHANGE THERE # ALL THE TIME,THIS # IS NOW DISCONNECTED,NOTHING BUT CRACK HEADS AND COKE HEADS WORK THERE,ITS A SCAM ALL THE WAY,THEY PRETEND THEY R LAWYERS JUDGES COPES INVESTIGATORS WHEN REALLY NON OF THEM HAV A COLLAGE DEGREE,JUST SOME DUMB A** DRUGGIES TRYEN 2 COLLECT A BUCK THE WRONG WAY,WELL I KNOW WARE THEY R WHO THEY R,I DID SOME INVESTIGATING MYSELF.THIS PLACE IS LOCATED ON 21 OR 20 MAIN STREET IN TONAWANDA NY,OWNERS ARE 1ST NATIONAL.OR KIRK KRAFKA,ANOTHER # THEY USE IS 1-877-261-8333 IF ITS NOT DISCCONNECTED ALSO.SO NOW THAT I HAVE THIS INFO I THINK THEY WILL B GETTEN A BIG SURPRISE COMING,SINSE THEY MADE ME PAY ON A CASHNET LOAN THAT WAS ONLY 235 THAT I OWED INSTEAD THEY TRICKED ME INTO PAYING ALMOST 750$,FOUND OUT WHAT I REALLY OWED,SO THESE PEOPLE R DONE

I recieved a message on my voicemail from Mark Sholtz saying that i was in trouble for theft of services and check froid. He called from a local Arizona # and he left the 866-717-3444. When i called the # he called in from it went to Maricopa County Sheriffs Office. they proceeded to tell me that they dont handle thoses matters and they never called me. So I called that number back and spoke with a Mr Todd Evans who wouldnt give me any info just said tha I wrote a bad check. I think this is what you call spoofing. Isnt that Illegal? I plan to file a complaint with my attorney general. Also I know this company is located in Tonawanda/Buffalo NY and the possible owner is Kirk Krofka . With the way these people run a business they wont be open long and they are a scam just like what i  recently seen on dateline for buffalo collection scams

I received a call July 29th from a Lead Detective Murphy who stated I had until 5pm to call him back or I would be arrested. He also called members of my family including my sister-n-law in TN. He told my mother if I went to the court house I would be arrested. If this is a collection agency they have no right calling every member of your family and harassing them. There are ways to collect money and this is not one of them. I called my local Sheriffs Department and filed a complaint. When the officer called them and asked about the phone calls they stated that all of the family members were put down as emergency contacts. Well I know they lied about that. Again, if you owe a debt and need to pay there are legal ways to collect; but the way they are doing is totally wrong. I have also filed a complaint with the NC Attorney Generals Office.

I received a call from this number saying he was Lead Investigator Murphy with my local county sheriff department. He was trying to say that I had a check returned from Nov 2006.  He was trying to get any money what so ever from me. Okay, if this was real I don't think the sheriff dept. is going to try and get your debit or credit card # over the phone. He said there was a complaint against me, but I probably wouldn't know the name of the person. He said the best thing to do would be to handle this now and keep it out of court. I haven't had a checking acct. at the bank he stated for over 2 1/2 years. He said I was going to be summons if I didn't pay this. When I told him I was going to have to see and check on some things he then tried to say that the judge said I could pay a settlement. The more the guy talked the fisher he seemed. I told him I had to put him on hold. I called my local police and sheriff dept. They said they had no Officer Murphy and no fraud dept. They recommended I ask for the information in writing and if it was real or they had any evidence they should be able to provide that. They also said since a collection is a public matter you can not be summonsed. Also, that when I called the sheriff they would have told me that I had something to pick up. When I talked with "Lead Investigator Murphy" again and told him I contacted the sheriff he said...."Oh well I'm with the courts." He got very angry and started yelling that I would have paperwork coming through a summons. I said at least I will have something in writing. If you hear from these people report it to your police dept. they are the frauds.....they are most likely a collection agency digging up old accounts using extreme measures and lies to get some money out of people. Don't ever give your credit/debit card info to anyone you have not contacted yourself.

This place is a scam if you get a call from this number try an record them or if you cant do that immediatley hang up and call he police, dont give them your bank info or get trapped in by there scares. They will tell you they are going to serve you at work, they will call your friends and family as well. I dont even know how they get that info but they do. I know this because i had a call from mr. evans who transfered me to someone who started to tell me i commited check froid. I cant believe this company still exsists with the scams there doing.

Yes, i got a message on my phone from a woman stating that I had a social security issue to take care.  I called the phone # back and Lead Investigator Murphy picked up the phone.  He said that I had written a hot check to an internet payday advance.  I probably due owe some money but he would not give me any other information other that i would be receiving a summon and he also mention my Sister.  He told me that he was with the Hays county Fraud Investigation Department.  We wished me luck and then hung up on me.  I called the number back and a Mr.Gains answered.  He was very nice but did not know what I was talking about.  He denied any Investigators worked there and he did not know who Murphy was.  Then he gave me a # to QC holdings 913-234-5000 and also wished me luch.  This is weird.  What should I do?

SHUT UP ALL OF U AND PAY YOUR BILLS YOU STUPID CHEAP FU*KS THAT HAVE TO TAKE OUT A PAY DAY LOAN TO GET MONEY THEN CANT PAY IT BACK... YEAH U ALL HAVE NOTHING TO SAY ABOUT ANYONE UNLESS U DIDNT GET A CALL...  AND NO I NEVER GOT A CQALL BUT KNOW THESE PPL PERSONALLY AND ARE A LEGITT COMPANY JUST PAY YOUR BILLS AND SHUT UP.........

Ha Ha @ Ran223, Edward Williams, & Jimbo!! You are either all the same person or you work for this scam company! Which is pretty sad since you all have very poor grammar!! I am honestly laughing out loud that someone would take issue with people that are posting on a website that they don't even know! They (or he)is on here defending the "honor" of this company saying he knows them personaaly...HA HA HA!! How ridiculus is that!!