Because, as you can see in the feed along with myself I have no back bills, these people pray on the weak.  Why dont you stop reading this stuff and continue on your day, you annoy everyone sticking your nose where it doesnt belong!

Sounds like you either work for this crap company or know someone who does.  There are many fraud's out there and I myself get calls from these people along with my family members, which scares them thinking that I am in trouble.  They told my parents that they needed to meet with them to "serve me papers" which is not even close to being legal.  I am taking it upon myself to file a class action suit and hope everyone on here who had issues does the same.  Fraud is a horrible thing in this society we live in most of us work hard for our money not to have some one use scare tactics to try and steal it!

This company is bogus. They make cold calls to people claiming family members have outstanding warrents. These people are complete frausters.Numerous goverment agencies have already confirmed this. If you get a call from these people get as much information as you can and report them to your local Attny Generals office or FCC! They pray on elderly people and use information that is public record to make people BELIEVE they are legitimate. They threaten, curse, and intimidate people as well as harrass them to pay them money and give them nothing to show for it. I work for a bank. Do not fall for these scams. Report these theives and take them down!

Not sure who this is

I paid my bill with them....  got a letter that is was satisfied and am glad i chose to do it.  As for being legit, Id say yes they are -- I just bullseyed my credit report with the letter.  Noone ver told me i committed a felony -- they just said i owed a bill-- at firsgt I didnt remember, but after I figured it out, I paid.  I dont think people make up fake debts for people to pay --

http://www.walletpop.com/blog/2010/07/15/amer ... n-to-those-who/

allie,

what i would do is contact the company you got the loan from and they should be able to tell you who they sold it too. your account may have been sold 2-3 times depending on how old the loan is, you should be able to follow the trail from the company you got the loan from. I would also ask them who they got the loan from where you could call that company to make sure that it was sold or placed with this company. there is a good chance that they bought the account or it was placed with them to collect it.

hope this helps you.

I wanted to pay off a debt i thought i owed, however the amount was 3 times the amount I thought was owed.  All they could do was give me false dates, no names, no address, just that i owed money.  The of course could verify the last four of of ssn, my birthday, and my address and the last four of my bank account number, but that is the easiest info to obtain ever.  I want to know if these people are real.  Every single date does not match up to the dates I have verified from the actual company I owe.  They are criticizing my credit and harassing me and being judgmental.  I have the money to pay it, but they're only validity and proof of document is a paper i could have typed up from them simply stating i owe them money...i want to pay the collections agency i know and i do not believe it is them...can anyway clarify anything for me? please? im ready to get a lawyer and sue.  I just want to be a teacher and they are threating fraudulent charges against me which can and my ruin my hopes and dreams....the numbers i have related to them is 1-877-468-1851 and 716-462-4540

This Shuman & Taylor has been harrassing my mom as well.  They cannot come up with a legitmate excuse as to why the number shows up on the caller id as Mike Dwyer. I have spoken to Michael Achers, another Mike, Anthony, and other people. They said that a check bounced and that was not the case.  Are they a debt collection agency or what?  There is a debt that they are speaking that is accurate but I need to know the legitimacy.  I have already given these people $100. I had to end up closing my account because they went into my account on an unauthorized day.  Then they begin to say  I had a check bounce.  Which was not true.

The caller was Shuman and Taylor.

They have called me a few times and the latest was that they were going to send a courts summon about a payday loan I took out. Should I trust them?

THESE PEOPLE ARE NOT A LEGIT COMPANY..  I WORK FOR A VERY LARGE ATTORNEY FIRM AND HAVE HAD THEM RESEARCHED WITH A FINE TOOTH COMB.  THEY ARE RIP OFFS..  AS FAR AS PAYING YOUR BILLS ON TIME....  DON'T PAY IT TO THEM...  JUST A NOTE...  NO ONE CAN SUE YOU WITHOUT GIVING YOU NOTICE.  IF THEY WERE A "LAW FIRM" THE IDIOTS WOULD KNOW THAT...  THE PEOPLE THAT ARE IN THEIR CORNER ARE APPARENTLY A PART OF THEIR SCAM...  GET REAL AND GET A LIFE.

"Sad for our economy?" (((LAUGHING)))

Rubbish.

Our "sad economy" is due to the Wall Street banksters' (who the ARM industry is in bed with), reckless lending practices (aided and abeited by OUR government) and abuses of the securitization market...and NOT the other way around..."Melissa".

And, as for people "having to use the law"---they are obliged to do so, when they are being threatened with ILLEGAL debt collection practices...such as "being charged with a felony", which is a big, fat, BIG- (you-know-what'ed) NO-NO under the FDCPA and you KNOW it.

BTW, this is not a discussion about "paying our bills". This is a discussion of consumer rights as it relates to debt collection.

Have a nice day!

Collector Troll - the BURDEN OF PROOF IS ON YOU THE COLLECTOR to prove the debt is valid and owed. - not the person you are trying to steal money from.  YOU CAN'T!  JUNK DEBTS TO DO NOT COME WITH PROOF!  

You probably are not even LICENSED to collect debts in the states you are trying to collect in.

file complaints with the NY ATTORNEY GENERAL ASAP -

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!

As well as your own STATE ATTORNEY GENERAL Link to all State Attorney General Websites www.naag.org



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

Not a bogus company they are there to collect unpaid bills --  people who dont pay there bills need to man-up to their responsibilities -- everyone has a job to do and when bills arent paid --  by millions of people intentionally it hurts the banks, the interest rates and our economy.   If you dont owe a bill then tell the people they have a wrong number---   if you do owe a bill then make arrangements to pay it before it costs you more money in the long run.  Its that easy--   some people legitimately have problems for why the bills werent paid --  other people just know they can get away with not paying and by trying to avoid paying by filing complaints against companies that have a job to do.

People lie everyday and say they paid bills when they really didnt.   You guys may pay all your bills but there are millions of people out there who dont --  and think they can use the law to keep them from having to fulfill their financial responsibilities.  Its actually very sad for our economy .........    Maybe these people have  a wrong number -- until they are given a fair chance to verify some info with you they dont know you are the wrong guy

Then why dont you just tell them the bill was already paid, send them the proof, and end of problem.  They have no idea a bill was paid if the prior company collecting on it didnt do the job properly.  People lie everyday and say they paid bills when they really didnt.   You guys may pay all your bills but there are millions of people out there who dont --  and think they can use the law to keep them from having to fulfill their financial responsibilities.  Its actually very sad for our economy .........

Hum!! I just received an email and they're address is 1868 Niagra Falls Blvd. in Amherst, NY 14150
phone number: 1-877-468-1851 and local 716-531-4382 and the letter was from Anthony Demico

I've just received an email from SHUMAN & TAYLOR. If anyone wants to file a civil lawsuit against this company, I will join in on it. I agree, these guys need a little dose of their own medicine and show them what happens when you threaten military personnel!!!!!
SW

I pay my bills and the one they are calling about has been paid already.

if everyone paid their bills..debt collection places wouldnt have to call

I got this same call.  from a Frank Rizzo. They have a formal complaint. Claim to be at 1868 Niagara Falls Blvd #305 Tonawada, NY 14150. They have gave an office# 716-531-4382. Fax# 716-531-4471. Supervisor name was Anthony Demico.
All you have to do is tell them to email you proof of the validity of their claim and if it checks out against your personal records you will be in contact with them. I also tell them that if their claim doesnt check out I will have them court for fraud, false accusations, lost wages and time and mental anguish. This usually gets them to stop calling.

I owe a mortgage; in fact, two including a mountain home. that's it. Never been in arrears on either. Have considerable equity even in these bad times. Do not owe another penny. These cons call my house three times a week, stop for a while then recycle. It's a pain in the a** to get up and walk across the room. They are not a law firm registered or liscensed anywhere in the U.S. I've the resources and have run an exhaustive search in an effort to sue them for civil violations or have them charged with criminal fraud. It's nice that someone takes responsibility for their committments but some of us don't have that problem and wish sincerely that someone would kick Mr. Shuman and Mr. Taylor's imaginary a**. Taking responsibility goes both ways having to ignore these nuisance calls should not be a part of anyone's wasted time.

same here guys... i was told that my check bounced and that i was going to be charged with a felony because i no longer lived in the state. he said that I've committed fraud on my part. the callers name was Michael and i do believe that  mrs moore was also mentioned.

Another person that works there is Mike Bradshaw!! Beware!

THEY CALLED MY CELL W/UNKNOW SO I REJECT THE CALLS.  THEY CALLED MY WORK RIGHT AFTER SAYING THEY WERE WITH THE LAW FIRM OF SHUMAN AND TAYLOR AND REQUESTED THE NUMBER FOR HUMAN RESOURCE DEPARTMENT AND I GAVE IT TO THEM. HE SAID HE WAS TRYING TO VERIFY EMPLOYMENT FOR ME.  THEY ARE JUST PAINS IN THE A**.  IGNORE THEM.

If you have a bill to pay, just pay it......  if you dont, then ignore it.  Simple.  Just because a company isnt registered with the BBB doesnt mean they are not legit.  Just make sure if you pay, you get a letter stating your original creditor and account number.  Not a big deal.  I have had collection calls and paid my bills because it is the right thing to do...try it...you may feel better.

I just received a voice mail from a law office of Shuman and Taylor, in which the number 877 243-1216 was left to call along with a docket #.  I tried the number which is not answered by a person.  It directs you to leave your name and number along with your docket #.  This is not the way in which a law office files and notifies regarding a suit.  I decided to look them up on the internet and it appears they are bogus.  Beware of this company!

Do not call 513 759 2591

I have recently been harassed by these same people claiming to be from Shuman and Taylor at the same 877-243-1216 number. The first guy called himself Investigator Schewel and constantly harassed both myself and my family members, threatening criminal action for fraud, which is against the Fair Debt Collection Practices Act. Then when his threats didn't work, I got a call from someone claiming to be Jason Shuman himself (good cop, bad cop routine I'm guessing). By this point, I had contacted a law firm to help me fight these guys and they said Shuman and Taylor doesn't exist. I finally got this so called 'Jason Shuman' to admit that the company name is Orion Processing Solutions. These people need to be stopped! So do what I am doing, contact a Consumer Reporting Agency (each state should have one, they protect consumers from these frauds!) and civil action can be taken against them. My goal is to have Shuman and Taylor aka Orion Processing Solutions wiped off the face of this planet! Good luck!!