This person was very intrusive and rude.  This call was not for me and the person it was for no longer lived here. He wanted to know (repeatedly) where she was, what number she's at, where she can be found. I would never give out that information to anyone on the phone with only a first name given to call back. How would they know my name and question me without telling me who they are and what they want?  This has happened to an ex spouse who no longer even lives around her.

2:18 pm december 9,2008 called here called the b back and told her to stop calling this number !hope they choke on their next meal a** holes!

CALL AGAIN THE NEXT F***ING DAY  A**ES HOLES CHOKE TO DEATH ON YOUR NEXT MEAL TONIGHT FINGERS CROSSED HERE

i had a debt with BOA and they gave it to someone named hudson and keyes which i also called and they sold it to " LAKESHORE CAPITAL" WHICH IS THE SAME NUMBER FOR MIDPOINT 1-877-309-9445,,,,i dont know what to do since i know i have a debt to owe but i dont who the real collector is for BOA AND THEY SAID THEY CANT SO ANYTHING AFTER THEY SELL THE ACCOUNT OFF! CAN SOMEONE ADVISE ME PLZ...

MidPoint NY. ???

crusader **        NO - collection agencies are not the reason our country is in financial difficulty!! It is debtors such as yourself, who "educate" themselves on the numerous ways to NOT pay your bills!! If it weren't for collection agencies, our country would be in worse financial dis array than we already are!! Here's a solution to the whole situation:                  

IF YOU DO NOT HAVE THE MONEY TO PAY FOR SOMETHING, DON'T BUY IT !!!!!!!!!!

**Can I borrow some money, crusader? You probably wouldn't mind if I didn't pay you back..

and if they they did say what bill this was in regards to, you'd whine that they disclosed information?? stop whining and pay your debt

HES NOT A DEBTOR AT ALL  
he became a consumer advocate against ILLEGAL DEBT COLLECTORS because he was having to deal with them.  He took them to court and WON

Now he exposes you losers for the CROOKS THAT YOU ARE

more on midpoint
Midpoint Resolution Group

fka/Federal Credit Recovery, Inc  


fka/ FCR Offices, Inc.

2950 Seneca Street
West Seneca, NY 14224



P.O. Box 691   Hamburg, NY 14075




Phone: 877-309-9445       716-827-7773       716-558-5998

Fax: 716-608-1415



Head Debt Collector:
Mark Lesinski, President
Alex Kowtun, Partner

Attorney of Record?

Daniel Wisher


--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below



CONSUMER ALERT
Be advised FCR employee Dave Miller aka Dave Matthews is processing payments on credit cards by pulling consumer credit reports. This is illegal; it is a crime, monitor your credit cards if you have any dealings with FCR. They are also collecting on accounts from Phillips & Burns of Buffalo, NY and Hoffman, Weinberg and O?Brien, two other sleazy criminal debt collectors. (Run by John Cordaro and Steve Lucillo of Lenahan fame).

Bottom feeders out of Buffalo, NY with no state licensing anywhere, no bonding where required. Typical ?Buffalo Style? debt collection methods using threats of impending and immediate lawsuits, notification of third parties, issuing IRS Form 1099-C?s, lawsuits are drawn up and ready to file, all lies and illegal.
Owners Mark Lesinski and Alex Kowtun are relatively new to this business, don?t have experience and the accounts they collect on are typical of the garbage that comes out of most Buffalo, NY bottom feeder debt collectors. Their accounts are bogus, mostly worthless; out of statutes and their lack of licensing and bonding all create a perfect situation for lawsuits against them.

Can they pay? We don?t know, however I am aware that suits have or will be filed. We will follow them and publish information from depositions. If you are contacted by any of the low lives representing Midpoint Resolution Group,  be advised they are a scam, cannot take any legal actions, or wage garnishments.

Contact me for assistance and referral to a consumer law professional. If their names should show up on any credit reports, we can offer you assistance in getting them removed by using attorneys who litigate Fair Credit Reporting Act (FCRA) violations.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

Another debt collector spewing garbage again

HERE IS THE TRUTH ABOUT THIS ILLEGAL DEBT COLLECTOR

Midland Credit Management, Inc.    




--------------------------------------------------------------------------------



             
   

CONSUMER ALERT!



WHAT IS THE FINANCIAL SHAPE OF MCM?Midland's stooping to a new low in attempting to collect on 1990?s Citibank portfolio.  Most, or all of accounts are out of statute. Beware old, worthless, out of stature Citibank accounts.




   Midland Credit Management, Inc.
   aka/Midland Funding
   a subsidiary of Encore Capital Group, Inc.
   MRC Receivables

 
8875 Aero Dr. Ste 200
San Diego, California 92123-2255
Phone: 858-309-6970
800-825-8131
858 309-6970  
858-560-2600
Fax: 858- 309-6977
800-306-4443   Phoenix
4302 E. Broadway Rd.
Phoenix, AZ 85040-8808
Phone: 602-707-0211
800- 265-8825





St. Cloud
16 McLeland Road
St. Cloud, MN 56303   Toll Free: 800-265-8825

Web Address: www.mcmcg.com

Head Debt Collectors:
(Use this information to contact MCM debt collectors)

J. Brandon Black  Dir, Presand C E O
(858) 309-6963  brandon.black@encorecapitalgroup.com

Paul Grinberg   ExVP and C F O  
(858) 309-6970   paul.grinberg@encorecapitalgroup.com

George Brooker    Sen V P and Controller
(858) 309-6957   george.brooker@encorecapitalgroup.com

Alison James    Sen V P of Human Resources
(858) 309-6969     alison.james@encorecapitalgroup.com  

Robin R. Pruitt     Sen V P, Gen Counsel and Sec
(858) 309-6964   robin.pruitt@encorecapitalgroup.com

Anthony Riggio
Sen V P Business Development
(858) 309-6967  anthony.riggio@encorecapitalgroup.com  

Jim Syran    Senior VP, Chief Marketing Officer
Phone (858) 309-6962   Fax: (858) 309-6998
Rita.Melconian@MCMCG.COM

Oliver Baudouz, V P  CIO
(858) 309-6013      (858) 309-6998 [fax]
oliver.baudouz@encorecapitalgroup.com



--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Midland Credit Corp (MCM) started out as a small bottom feeder prior to the shark or whale status they now enjoy.  As a vulture, they purchase portfolios of old, (worthless?) accounts that may be out of statute, then inflate them and attempt to collect. They do place accounts on credit reports and like all bottom feeders, appear to suffer from the same disease that precludes them from giving ?accurate? information in their reporting.

MCM has recently embarked upon a quest to invade the arbitration field. MCM sends thousands of cases to AAA Arbitration (American Arbitration Association). The compensation for the cases will be $50 per ex-parte case and $100 for cases where both sides submit documents. They will likely rotate the panelists after a specific time or number of cases, so if an arbitrator is unavailable now, due to their schedule, they may become available to serve on cases at a future time and date.

If you have received an arbitration claim from Midland, join the forum and learn about your rights and the process at  www.arbitrationjustice.com

Be assured MCM is investing a LOT of money into arbitration, it is VERY important every consumer understand each arbitration claim should be challenged from the beginning. Everything about what they do, who they hire, what is paid, how claims are processed, what information is responded to, how disputes are handled, how many claims specific arbitrators handle, etc. will be published on these and various sites. You will also be able to share information on what documents MCM uses to validate their claims for arbitration. We are all aware of how many phony documents are sent to the NAF and the $250/hourly rate paid to the rubber-stampers who collect for them.

If you find a MCM account on your credit files, dispute it with the credit bureaus, demand they validate it. Make them give you what the law says you are legally entitled to.


CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


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

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/start.html


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

Just because something is out of stat doesn't mean you don't owe it!!!! It just means you MIGHT not get sued, although it does happen. All you would have to do is show up in court and point out that it is too old for litigation. But really, the fact is, you basically stole money from a bank or lender, and somehow avoided paying it by being a complete slimeball for 7+ years, and now you make the collection agencies out to be the bad guys? Your credit will still suffer, and something like that doesn't disappear off the radar completely.

A word of advice:
Tell the caller that you don't have any idea who the person is that he/she is trying to reach! You can't just say "don't call" and hang up. Its not a list or solicitation, and like I've said before, you're wasting your time and ours! If its a wrong number, someone has to tell us! We can't read your mind!

Yes, we are a collection agency! Obviously, we don't want to waste our time, or yours, by calling wrong numbers. However, lots of numbers are old or not verified, and often are somehow linked to the person we are trying to reach, be it a relative or previously used number. ALL YOU HAVE TO SAY IS THAT YOU ARE IN NO WAY RELATED TO SAID PERSON, NOR DO YOU KNOW HIM/HER. That should be enough to take your info off our files. If you have further problems, consider your own manner on the phone. People lie to us all day long to avoid paying VALID debts. Please understand that it is part of our job to really verify if the number is correct or not, and we have to ask questions if things don't seem to click, or if our records indicate otherwise.

They call me and tell me that I owe on a debt.  The one time I talked to them, I responded that I know nothing about such a debt and it's not on my credit report.  He responded that it's listed as being written charged off.  I know that is a lie.  What they are collecting is called "zombie debt".  Google that and you will find articles about the statute of limitations on debt.  Try to find out what the statute of limitations is in your state.  BE WARNED - IF YOU TELL THEM YOU ARE AWARE OF THE DEBT OR IF YOU PAY TOWARD THE DEBT, YOU COULD NEGATE THE STATUTE OF LIMITATIONS!  Your best bet is to not answer at all.  You can send a certified cease and desist letter, but make sure you do not acknowledge that you owe a debt.

This number used to call me almost every day in April and May, between 10:00 and 12:00n. I never got to answer because it was always during class.

Have ask this company to quit calling our house several times and would like to know if there is some action we can take to stop them?

according to the fdcpa. collection agencies have the right to call consistantly. you owe the debt.  Do not call lists only protect consumers against sales calls.  legally they have the right to try to contact you. not paying a debt is like theft. some of these companies help people fix their debt.

you realize setting up people for services they didnt ask for is illegal too

this company has called my phone once and its my police cell phone.  i called them back today and a lady answered the phone and i told her what was going on.  once i said i was a police officer she was very shocked and somewhat frantic like she couldn't wait to take my number off the list.  i would suggest not giving any bank accounts or credit/debit card numbers to this company.

I get calls from this number every frigging day. If it goes to the answering machine, they never leave a message. If I pick up, I just hang up.

It's a toll free number. I wonder if they get charged for each call.If so, maybe we should all start dialing it a hundred times a day. :-)

This company called me and was looking for a guy who I worked with for about 3 months 3 years ago. I haven't even talked to this guy in 3 years.

Left message stating that they were checking on fraud against husbands ss#. Also need to call them back today. Sounded fishy and threatening.Good thing I found this info.

You can't get arrested for not paying a credit card.  Please, do your homework....you have access to the Internet...educate yourself.  This is part of the reason our country is having so many financial difficulties....unethical business.  Take a stand and stop the abuse.

DO NOT GIVE THESE PEOPLE ANY INFORMATION>>>ONLY CORRESPOND IN WRITING>>>NEVER SPEAK TO THEM ON THE PHONE!!!  RESEARCH BEFORE YOU DO SEND WRITTEN CORRESPONDENCE AND SEND EVERYTHING CMRRR!!!!!  KNOW YOUR RIGHTS AND WHAT IS A VIOLATION>  CALL THEM ON IT>  TELL THEM YOU ARE AWARE OF YOUR RIGHTS!!!!

I hope "TOM AVERY" is getting paid over time for his work.

Criminals blogging for extra cash...hysterical!!!

Sounds like you work for them?  Nice try.

Here is a new number for these fools.

866 635-1312 ext 113



File # 407811

Mr Johnstone calling from the Offices of "Scott Jameson". They make it sound like a legal matter when in fact it's a collection agency.

If you are brave enough, engage them when they call and let them know you are recording the call for quality assurance. If they are dumb enough to stay on the line, say no and don't divulge any info as much as you can until you agitate them, eventually they'll threaten legal action or garnishment of wages, at this point, you can extract money from *them* on the Fair Credit Act.

annoying phone calls from mid point

annoying calls from mid point group