check out 800notes.com and enter this number. there are a lot of responses to having this steve grivas person calling. it's a debt collection agency using strong arm tactics to collect debts that are fraud. they are fraudulent from what i've read.

do anyone who is this..state this is jessica from nrs.. doi trust them? pleae let me know who is this and is this real or scam  before i pay out...

Anyone knows who this is?

you are a retard old man rivers, you provide your work number as a number on your formal application stating that if you did not return any phone calls that were made to your primary number that they have permission to contact you at work so before you start your whole fdcpa bs get your facts right. and this agency has an attourney prescent in the office and they purchase accounts therefore they own and have all rights to your account meaning they can take any legal or lawful action necessary to collect the debt. it's called a 1st party attorney collection agency. when a attorney is prescent in the company they can SUE you for not paying your bill. they can have you served moron

i got a phone call fromthese people on march 21,2011.Saying i owe a payday loan debt which has been paid off and on top of that the company there saying that i owe the money took more money out of my acct then what the loan was worth and i got a refund back from the company.So in my opion these is a scam they need to get there facts straigt before they call people and know the truth.These companys like these these r crazy and think people r stupid really people geta life all my bills r paid off and caught up so i shouldnt be gettin calls on nothing like these.

I got a call today at my workplace from these bottom feeders.  They left a humiliating and aggressive message with my co-worker, who told the caller they were inappropriate.  They bullied my co-worker about my schedule and personal information (I was not at work at that time).

When I returned the phone call, I was told several times the phone call would be recorded, but they were the ones who were rude, humiliating and demeaning.  I asked several times to speak with a supervisor, to which they handed me off to people who were incredibly unprofessional and assenine, who were likely co-workers, and no one in a supervisory position.  I asked about the identity of the CFO, CEO, Director, etc, to which they fluffed around.

This outfit disregards any request for civility.  They act as if the Fair Debt Collection Act does not exist.  I never intended to skip paying on my debt. I've made arrangements with the debtor, but this outfit prefers to bully and humiliate people to gain a profit.  My debt is not close to what the scumbags quoted me.  

Lastly, this is a fantastic lesson to learn for anyone considering check loans.  First, don't borrow money.  Second, don't borrow money from a check joint.  Third,  don't ever borrow money you can't afford to pay back (banking on over time).  You will die a painful death.

I received my one and only call from these people 1/6/2011. I spoke with a Mrs Thompson who stated that this was regarding a civil suit involving my social security number. I asked her to send a copy of the original debt, and she stated that I already knew all about it and that the previous debt collector had sent me letters(I never received any). She told me that if payment or an arrangement was not made that she was going to tell the arbitration department to proceed with the lawsuit and that papers had been filed on 1/5/2011. I told her I would only be able to pay half but not until the 28th. She stated that payment had to be post dated with a check or credit card. I asked her to hold on while I got my debit card and then said i don't really like to give the number out over the phone. She then said that by refusing to give her the debit card number it was going in as a refusal to pay. I told her I never refused to pay and then she proceeded to argue with me saying why are you arguing with me I am not your girlfriend. I then asked to speak to a supervisor, she said she was one. I asked to speak to her boss, she said no, and I said you are refusing to let me speak to your boss? She said yes. I proceeded to argue with her until she said hold on let me see if anyone wants to speak with you. She came back to the line and said I would have to speak to her bosses voice mail. I said fine. She said how do you intend on handling this debt? I said I want to speak to your boss first, she said if you think you're going to get me fired you're not and then said she was not going to waste her bosses time with me and that the call was going nowhere and she was going to tell them to proceed with the lawsuit. I hung up and called right back and asked the operator to put me thru to Mrs Thompsons boss. Mrs Thompson came back on the line and said I would not be speaking with anyone else in the department but her and that I needed to quit playing on the phone. Did I mention today was the first day I have ever heard from these people? And now they are suing me? Is this crap even legal?

I too am a victim of Marval and Associates. When I asked who they were collecting for, they would not provide me with the information. By law, if you request a creditor to supply you with the information on the original debt, they MUST do it, if they won't, then don't speak to them...Marval And Associates threatened to come to my work and arrest me, even told me there was a warrant out for my arrest, etc...which is entirely against the law...they try to scare people into paying a debt that may or may not be valid...do not do business with them

Forgot I have saved the emails in case theyvare needed.

I changed my phone number so have not had any more calls but am now receiving emails from them saying they will settle for 50 percent of what I owe to a place called cash capital. I looked that name up and it is a reference site I believe. I had a payday loan with another company in the past and paid it off and even have the letter I asked for saying it was paid in full. I had the same problems as other people have mentioned on here being threatened with being arrested. I asked for a badge number and they gave me a number and when I asked what state and what law enforcement issued the badge he got very nasty and threatened me again. I had talked to a agent with the FBI that I have dealt with for my job about this and he told me just what is being told here. IT IS A SCAM. I did tell them I had a talk with the FBI and they hung up on me.

It's trailer park trash Melissa who works for Fake A** Marvell & Assoicates!! 1-877-255-2152 ext.113!!! They're a bunch of pretenders!!!

By law, you're not obligated to do anythig without being a legal collection agency registered with the goverment.  Don't give us your bull crap stories.  You're nothing but a hoax threatening people to pay bills that maybe they do owe.  but, you as a SUPPOSEDLY professional aren't doing it legally.  Threatening people to have police deliver summons, threatening people with an arrest warrant, etc.  you're a f uckin loser.  You have no life.  You're nothing but an ex con trying to get money from people illegally so you can fund your nose candy habit.  try getting a real job let's say at maybe mcdonalds or burger king.  Atleast you might feel good about yourself working at a legal place of employment.  Anyone can go to city hall and make up a business name and pay $20 for a business certificate. Get a life A sshole.

you're a liar.  you're an employee working for one of their 5 illegal companies collecting debts illegally.

REC'D CALL AT 6:41AM LOCAL TIME THIS MORNING, WITH A MR. COOPER USING THREATS ABOUT CALLING WORK, ETC.  WANTS TO "VERIFY MY ADDRESS AND PERSONAL INFO", SAYS IT'S TIED TO A NSF CHECK I WROTE.  SAYS I HAVE REFUSED 10 TIMES TO GIVE HIM THE INFO, SO NOW HE'S GOING THROUGH MU COUNTY WITH SOME "LEGAL ACT".
I'VE NEVER HEARD FROM THIS GUY BEFORE!  
ALSO, CALLING AT 6;41AM IS ILLEGAL TO START WITH!!!!!!!

Calls himself Rudy Baker from the Froud Department of Marvel and Associates concerning a civil mater in the county court.  The only Marvel and Associates I have been able to find is an Insurance accounting firm. Not sure what it's about, not returning the call

bill wissner from marvell and associates contacted me on 4 occasions and left threatening messages such as they were opening up a fraud investigation on me but never once told me what i owed or to whom i owed it to. after reading the fair collection notice, i also realized he also did NOT send me a letter within five days after first contact giving me the information about my debt. there is no reason to harrass people who have a debt. harrassment does not put money in peoples wallet, its not rocket science! bill, you do not know the circumstances that led to an unpaid debt so try a different approach and you may see different results! if you or your "company" continue to threaten me or harrass me iwill report you to the attorney general in your state and mine. people are not disputing they may have a debt but not everyone has the finances to repay at this time. and how dare you people tell people to stop being lazy or to get a job! shame on you!!!

they called my family member and left a voicemail threatening to file with the DA's office and arrest me.  Dont know how they got the cell number they called.  They left no information regarding the company and refused to geive me any.  Reported them to the Texas Atty General and also California Atty General.  They contacted me once before with a california number.

These links are to attorneys for those being scammed

www.naca.net

or

http://www.consumerjustice.com/consumer/searchattorneys.aspx

NICE TRY TROLL

the only people that CLAIM they are legitimate are their own employees.


EVERYONE REPORT THEM TO THE NY ATTORNEY GENERAL ASAP - INCLUDE THIS THREAD

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!

As for PAYDAY loans - MANY STATES have BANNED payday loans and SOME of  those bans INCLUDE collection on those loans.  Check your Attorney General Website for information for YOUR STATE.





Marval & Associates, LLC  

Address    Principles, Owners,
Attorneys,Exec. Officers Rating
PO Box 974
Getzville, New York, 14068


www.marvalandassociates.com/


--------------------------------------------------------------------------------
Phone No.  716-923-7409 716-923-7430 716-923-7432 716-923-7472 716-923-7485 716-923-7488 716-923-7498 716-923-7667 716-923-7687 716-923-7695 716-923-9237 716-923-7404 716-92-7405 716-923-7406  
Fax 716-923-7409  

  Domenico D'Angelo, CEO

http://www.consumerjustice.com/consumer/debtcollectors.aspx
Marval & Associates, LLC  
PO Box 974
Getzville, New York, 14068
www.marvalandassociates.com/

--------------------------------------------------------------------------------
Phone No.  716-923-7409 716-923-7430 716-923-7432 716-923-7472 716-923-7485 716-923-7488 716-923-7498 716-923-7667 716-923-7687 716-923-7695 716-923-9237 716-923-7404 716-92-7405 716-923-7406  
Fax 716-923-7409  

  Domenico D'Angelo, CEO  


THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

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

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

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

yeah do it they helped me settle out my payday loans, very easy to work with, even setup a payment plan..

The issue is NOT whether the money is owed.  The issue IS the harassment. No one deserves to be harassed.  Money owed is money owed. Most debtors understand they owe money and are not disputing the issue.  They are exercising their rights, however, to be treated with respect and not be terrorized into paying their debts.  When a collection agency has crossed the line look into filing a claim with an FDCPA lawyer.  Most of the time it is free and the costs are paid by the collection agencies- for violating the consumer's rights!  Have a great day.

these people keep calling my cell phone and they will not leave a number. and they keep telling me I
got paper work to go to court. which I recieved nothing. telling my children that I owe a debt from 1993
which, I have no idea. they have my social security number. they also call from a 716 number too. I am not paying for something that I don't know what it is. they will not give me any information. but I am reporting this to the Attorney General. I am not working and their isn't any extra money. got laid off, but
can't take to much more hassling. they don't even give their name. all they say is you will be sued.

I believe they do financing and debt repair. They sent me an offer ob closing a big account of mine. i'm thinking of taking advantage. Any suggestions?

What is the attorney's name and number

Just listen to this Joker...yeah I had a guy say he was a manager and it was the same exact guy that was a investigator. I knew it was the same guy. I called them out on their illegal practices and they tell me what can I do to make sure you do not file complaints against me and sue me. Hmm I guess you know you did something wrong. It will not matter they will try and call me and some other collector. But I armed this time. And yes I have paid on my debt you dirtbag!!

Every person that Marval and associates calls did take out a payday loan and didnt pay it back. Why are these ppl trying to get around paying back cold hard cash they know they borrowed? What a lack of character! The ppl saying sue them and all that other nonsense are just filth that look for any loop hole not to pay something back. I was contacted by Steve, I took out a payday loan a few months back, Lost my job and couldnt pay it back. He was very professional (vocabulary and all) we came to ammicable terms for repayment. He even got the thing removed from my credit report. Kudos to you Steve! I think if he was calling ppl that didnt owe the money, that would be fraud. I owed it, you ppl know you owe it. Pay it back!

The reason it's easy zack, why its so simple to collect. The people we call do know that they owe the money. They do know they applied for and recieved a cash loan and defaulted on it. Your credit report is a true testament to your character. You have none! Your credit report reflects that

you sound just as illiterate on the telephone, steve

Almost forgot - when you do file the complaint with the Ny Attorney General and YOUR STATE ATTORNEY General - BE SURE TO INCLUDE THE LINK TO THIS THREAD.  The AG's will want to know they are continuing their illegal collection tactics on public forums.