I just dealt with these people and don't know what to do.  I paid them and didn't find out if this was legit, dumb me.  They couldn't give me any real info on the company they supposedly are representing.  I am calling the FTC to see what I can do.  I don't know if this is legit, but I contacted my credit card company to tell them my suspicions to file a complaint, praying they can help me!  I haven't received anything from Fitzgerald that they said I would get.  I sit and await resolution.  BEWARE PEOPLE!!!!  They have a PO Box and toll free number, number one suspicion!!!

Don't bother to send them anything. They are extortionists.

Thats what im trying to do...is to get their address so i can send them a certified letter asking for the orignal conctract,,by law they have to send a copy if they have it....but i have to send it certified to show proof i asked for it....if anyone can give me their mailing address it would be a big help..or point me in the right direction as to were i can find it...i havent made anydeal with them at all..i havent agreed to anything ...i just want to take the steps i have to..in case they try to garnish..

They just want CC numbers, thats all. We are almost all are being targeted for Federal student loans in the latter part of the 80's. We all have been tortured for years until we rehabiltated or paid the loans. Now we have credit card ratings that we treasure, that make us good targets of a threat. In my case I rehabilitated federal loan but there was one semester where during the SL scandels the bank did something wrong and the Feds yanked the insurance. That one was not captured by the consolidation I did. It is time barred now but Scuz Fitzgerald tried to take advantage of the confusion and get a CC# 0ver the phone.

Fitzgerald Law Firm
3025 Windward Pl Dr.Ste 195
Alpharetta,GA 30005-0167
I had my attorney write a cease and desist letter, sent registered sign receipt.  They refuse to accept and won't pick it up at the post office.  My lawyer says it is still proof of notification. My next step is a law suit in Federal Court, it will only cost a couple of hundred for the filing fee, my attorney is free, he's a relative.  Each phone call is a $1000.00 fine, and I have on record almost 200, since November 07. Sooo looking forward to this. See you in court Fitzgerald!

P.S. To Sage, I gave you their address above, send the CD letter if you want, they won't accept it, but as I stated in my previous note, it is still proof of notification. If you have limited funds, you can sue them in civil court for each phone call.  DO NOT give them any personal info, home address ect.  Ignore and report them, they are breaking the law, which makes them criminals.  Contact the FTC.

PS.twoladies1...Thanks for the address..i talk to a lawyer tomorrow...i have a couple of sessions free through my employment..their trying to help me with this..i havent gave them any personal info..such as address or employment info..bank info etc...i figured if they threaten to garnish than they have all the info they dont need any from me..i clamied bankruptcy in 96..and the collection ageny who held the loan before them ingnored the trustee's letter to them so they could get their money..so i thought if they didnt respond than they forfetied the 2500....well i'll see tomorrow what the lawyer says..thanks for the address..even if they dont take it..its still proof that i tried to fix this mess...

Donald Fitzgerald -Shyster, hood, disgrace to the Florida bar, Georgia bar, University of Florida The city of Alpharetta, the legal profession and mankind in general. Belongs in a Federal Pound You in the A$$ Prison. Falsely claiming Intention to sue? Violation of the Model Code of Professional Conduct. Claiming to update credit report in two weeks? Violation of Credit act. Claiming to be able to add charges to a credit card account? Fraud. Claiming to be able to interfere with current student aide? Impersonating a Federal Agency.
If the conversation was recorded as has been rumoured it is a violation Florida Statute.

BTW, just thought I'd mention that it's only FEDERAL student loans that have no statute of limitations. PRIVATE student loans DO.

They also can only report for the typical 7-7.75 years.

well i did my homework and i went through all my bankruptcy papers..and sure enough when i filed the chapter 13 the loan was on there and they were being paid through the bankruptcy...than i filed a chapter 7 and it wiped everything clean due to hardship..i faxed fitzgerald the copys of the discharge papers from the trustee of the state of calif..along with the terms of chapter 7..were it states that it is against the law for them to be contacting me and demanding payment when it was discharged..this carter person will not get on the phone with me..they keep saying he's not in the office..when i faxed the paper work i called them to make sure that they got it..i have my proof of faxing..yep they received it...so lets see where they take it from here...im contacting the FTC and filing a complaint..they want to go to court,,lets go cause im ready..

Federal loans have no statue of limitations but if issueing bank fails to jump through all the hoops,and this happened during the S&L crisis, the Feds could pull their insurance of the loan. It then has the status of a private loan, thats why it is not captured in consolidation. There is caselaw that establishes that the no SOL for students is not to enrich private debt collectors but only to protect the Feds. Boywhore Fitzgerald takes advantage of this little known twist.

Today I received a letter from an attorney that says I can join his class acton suit against the last company that harrased me about this loan. I am to get $1500. I have a letter from Fitzgerald that violates the same rule. Look at your letters, does it properly identify to whom the debt is owed?

This is very amazing . . . same thing . . . a student loan from over 20 years ago that has been paid off.  They threatened to take me to court.  The information that they gave about me and my loan over the phone was somewhat correct but there were many gaps in their explanations and history which made me VERY suspicious.  They apparently have vital identification information about you ---which is scary.  Another clue that lead me to believe something was fishy is that they gave me the number of the "supposed owner" of the loan--I called and got the same cheesy "on-hold" music as at Fitzgerald.

yes...the holder was correctly identified on the loan..i have the letter they sent to the trustee asking to be included in the bankruptcy..so they could get their payments..i also have the return letter to them from the trustee asking them to prove i owe the loan..the collection ageny that tried to hold the loan didnt have proper proof...so they couldnt be included until they had the orignal contract..than citi bank who did have the loan was being paid through the trustee..than i converted to chapter 7 and wiped everything out..i have the list from the trustee who sent court papers and verified that their on her list of creditors who had a balance that when i converted to chapter 7 hardship the balance was wiped out...see fitzgerald only has what i owed when it converted to chapter 7..

ok they havent called me since i faxed them the court papers...they said if this mr carter had any questions that he would call me....(because he's never at his desk since i asked for the orginal contract).. i have called twice to see if everything is cleared and they wont give me a direct answer..just that he will call if theirs any question...should i just leave it alone....till they call..or dont call..or should i keep calling them to make sure everything is cleared...

Ha!! This is great. Ok, I had an auto repo back in 00. Actually worked with a couple of companies to pay some of the balance off. Wasn't opposed to doing it. Then the one company, I forgot the name, stopped calling, and never heard from them again. Last Jan (07) Fitzgerald got the "case". I even worked with them a bit, and then they stopped calling for a few months, ok. Then they called me about a year ago, and we got into a heated discussion on the phone, I was getting yelled at by two people on the phone, and they got so mad that they hung up on me! It cracked me up actually. Then until yesterday, I hadn't heard from them since. Now, I see no reason to puruse anything else with them, since the last time I actually gave them any money, I switched bank accounts. I still think the debt that they think I owe is till way more then what I have on record of actually owing. I'm going to see if they can validate the debt at this point, and see if that doesn't get them to go away, if not, since they have no intention of filing a suit, then I will Cease and Desist them. If not, then maybe I will take them to federal court for FDCA violations. The sad thing is, they were actually reasonable until they became belligerent jerks.

http://budhibbs.com/debtcollectorpages/endeavor_financial_partners.htm
http://budhibbs.com/coll_to_avoid_list.htm
Fitzgerald is listed under Endeavor also.  Check out these web sites.

OK ...THESE PEOPLE STILL HAVENT CALLED ME...SO MY LAWYER SAYS I SHOULD STILL CONTACT THEM.AND MAKE THEM SAY THAT THIS MATTER IS CLOSED..BUT HERE'S SOME STEPS TO TAKE TO HANDLE THESE PEOPLE..WHEN YOUR FIRST CONTACTED BY THEM..RETURN THEIR CALL DO NOT IGNORE THEM.IF YOU IGNORE THEM,,THAN ITS ADMITTING THAT THE DEPT IS YOURS...WHEN YOU SPEAK TO THEM OVER THE PHONE..TELL THEM TO SEND YOU A COPY OF THE ORIGNAL CONTRACT..BY LAW THEY HAVE TO SEND..DO CERTIFIED ALSO..AND REGULAR MAIL..AND FAX...KEEP ALL YOUR RECORDS AND COPYS OF YOUR CELL PHONE SO IN CASE YOU DO GO TO COURT YOU HAVE EVERYTIME YOU CALLED THEM FOR INFO AND THEY CALLED YOU..IF THEY THREATEN YOU SAYING THEIR GOING TO PUT THIS ON YOUR CREDIT REPORT..TELL THEM TO GO AHEAD..BUT BY LAW THEY HAVE TO PUT THAT YOUR DISPUTEING THE CHARGE ALSO...DO NOT GIVE THEM MONEY...NOT A PENNY..IF YOU START PAYING THEM THAN YOU ASSUME THE CHARGE.AND BY LAW THAN YOU AGREED..THAN THEY CAN GARNAISH YOUR CHECK...THEY CAN NOT GO INTO YOUR BANK ACCOUNT UNLESS YOU AGREE TO IT...SOME PEOPLE SAY THAT HAS HAPPEND TO THEM..BUT IN THE STATE OF CALIF THEY CANT SEIZE YOUR ACCOUNT UNLESS IT IS COURT ORDERED...STILL TO FEEL SAFE CALL YOUR BANK AND GIVE THEM THE COMPANYS NAME AND TELL THEM UNDER NO CIRCUMSTANCES IS THIS COMPANY TO TAKE ANY FUNDS FROM THIS ACCOUNT..DO NOT GIVE THEM ANY INFO...U DO HAVE TO GIVE THEM YOUR ADDRESS FOR CORRESPONDES...YOU HAVE TO PROVE THAT YOU HAVE BEEN INTOUCH WITH THEM..AND THAT YOU REPLY TO THEIR DEMANDS EVERYTIME THEY CALLED OR SENT MAIL...IF U DO OWN THE LOAN AND THEY CAN PROVE IT..THAN YOU HAVE TWO CHOICES..WORK OUT ARRANGEMENTS WITH THEM..DO NOT AGREE TO SOMETHING YOU CAN NOT AFFORD....AND THAN STICK WITH THE ARRANGEMENTS..OR LET THEM TAKE IT TO COURT..IF THEY TAKE IT TO COURT..THEY HAVE TO PROVE TO THE COURTS THAT YOU OWN THIS LOAN..(IF THEY THREATEN THIS THAN LET THEM CALL THEIR BLUFF}..IF YOU PAID THIS LOAN..HAVE DOCUMENTS PROVING THIS..THEY CAN NOT COLLECT THE DEPT TWICE...ONE GOOD THING ABOUT GOING TO COURT..IS THAT THE JUDGE CAN LOWER THE PAYMENTS TO YOUR INCOME...GOOD LUCK

PSSS.....ALSO GO TO YOUR HR DEPARTMENT AND LET THEM KNNOW ABOUT THIS COMPANY AND IF THEY TRY TO GET ANY INFO..DO NOT GIVE IT TO THEM UNLESS IT IS COURT ORDERED....I DONT KNOW ABOUT SOME OF THE STATES BUT CALIF HAS A LEGAL AID CLINC THAT YOU COULD GO TO AND THEY WILL HELP YOU RESPOND TO THEM IF IT DOES GO TO COURT..

ALL YOU GUYS ARE A BUNCH OF SCAMMING ARTISTS!!! WHO'S SCAMMING WHO? YOU NEED TO ASK YOURSELF?
YOU DIDN’T PAY YOUR LOAN BECAUSE IT’S OUT OF THE STATUE??? THAT MEANS YOU NEVER PAID THIS LOAN. JUST PAY YOUR BILLS AND STOP TRYING TO GET OVER!!!
I PAID BECAUSE I KNEW I OWE THIS LOAN AND THE RIGHTFUL THING TO DO WAS PAY IT .GET A LIFE AND PAY YOUR CREDITOR'S THEY APPROVED YOUR LOAN THAT YOU APPLIED FOR. IT DOESN’T MATTER WHO BROUGHT WHAT ON THE DOLLAR .IT’S FUNNY HOW YOU NEVER PAID ANYTHING ON THE DOLLAR.
AND PLEASE DON’T USE THIS IT'S OUT OF THE STATUE. NOW WHO’S SCAMMING WHO?

SCAMMING.....DO YOU KNOW HOW TO READ.....IF YOU HAVE READ MOST OF THE POSTS YOU WILL SEE THAT ALOT OF THESE PEOPLE HAVE PAID...AND THIS COMPANY IS TRYING TO COLLECT ON A DEPT TWICE...AND IF YOU DID READ IT,,U WOULD KNOW THAT STUDENT LOANS DONT HAVE A STATUE,,,I DONT KNOW WHO YOUR UPSET WITH DEAR...BECAUSE I REALLY DONT UNDERSTAND YOUR COMMENT HERE...SO U OWED THE LOAN...I DON"T..ITS SOEMTHING THAT HAS BEEN ALREADY TAKEN CARE OF A LONG TIME AGO..AND SEVERAL PEOPLE HERE REFER TO LOANS THAT HAVE ALREADY BEEN PAID OFF SEVERAL YEARS AGO..SO DO THEY PAY FOR IT TWICE,,,THIS COMPANY BOUGHT AN OLD DATA BANK..HEY IF SOME PEOPLE DO OWE IT THAN THEY SHOULD PAY IT...AT A PAYMENT THEY CAN AFFORD..THEY SHOULDNT BE THREATENED WITH JAIL OR OTHER THINGS THAT ARE AGAINST THE LAW..PAY YOUR LOAN SWEETIE...MORE POWER TO YOU...BUT DONT PUT DOWN PEOPLE THAT WONT PAY TWICE FOR SOMETHING THEY ALREADY PAID...PSS...AND IF U DID OWE THE LOAN, WHY DIDNT YOU PAY IT WHEN IT WAS DUE..OBVISOULY DEAR YOU LET IT GO TO COLLECTIONS YOURSELF..SOOOOO MOTTO HERE IS  '''' POT CALLING THE KETTLE BLACK''''HAHAHAHAH

Sage, don't waste your breath on KIM,   Fitzgerald employees hide with fake names on these web sites!!  Got a call from them this morning AGAIN! Told them my attorney sent a CD letter, she said they had no record of it, that's because they refused it.  I said I will FAX it over.  Sage, tell me what FAX number you used.  I am betting this number she gave me is a FAKE and a LIE!!

psss..twoladies..lol she pissed me right off...heres the fax..770-521-1220..right after i sent the fax i called to confirm they received it...they did..i saved all my receipts from UPS..and than i call a few minutes afterwards so it will show on my phone records that i called to confirm that it was sent..i just got off the phone with them..the documents i sent were received and they are valid..i wont be hearing from them again..good luck guys..oh and by the way..thanks for all the posts..it helped me a great deal.

If you don't give your credit card ar account number and ask for validation you will not hear from them either. This is not a legitimate collection agency they are extortionist zombie debt buyers hoping for a sucker.

Wow, this so-called company is something else.  At first, I got a letter from them a while back demanding payment for an old student loan I don't owe.  I called and was transferred to 'unknown'.  After doing some research, I immediately filed complaints with the FTC and the attorney general's office.  I haven't heard anything else.  However, my husband has started getting calls...unbelievable.  All of his student loans are consolidated.  So, we are sending a letter requesting validation, and we are filing complaints and contacting a lawyer, just in case.  They aren't getting a dime.

IF YOU SEND THEM A CETERFIED LETTER, THEY CAN DENY IT..SEND IT THEM FEDX,,OR GO TO A UPS STORE AND FAX IT TO THEM...UPS GIVES YOU A RECEIPT AND TIME IT WENT THROUGH PLUS A TRACKING NUMBER..

I also received a letter concerning a 22 year old student load from Fitgerald
Law Firm. When I first started attending the School I only went for 2 or 3 months and then my job was relocated I was out of a job. The school gave a
leave due to circumstances and was told I could return at a latter date. Well the School was sued by State of Missouri for misuse of government funds and was shut down, so I was unable to return. My check was garnished back in 97 and
then the Attorney General Ashcroft stopped all that and I assumed I was free
of that til now. Calls, Calls, and Calls. I don't owe but the Director or
school owes since they were found guilty of improper use of funds and inadequate
education.

Fitz buys old documents for a few cents each. He then employes scam artists to run each persons credit check to find one that has credit, then they tell all sorts of lies to get bank account and card numbers. If you give the numbers they can clean you out. Nobody owes anything, they just might get scard into settling quick.

I went for over 15 years after my kid got cancer not knowing I could consolidate and rehabilitate because a Federal contract collector told me it was all or nothing. Consolidation has changed my life. It has made it possible for me to get a paralegal degree. Then shyster Fitz Law Firm came along telling me I owe something for the one that lost it's insurance and was not captured in the consolidation, pay $2000 tonight or he will put $7000 on my credit cards and stop my student aid for community college in my last term.
I never even use the cards, I just like having them after spending a lifetime thinking I could never get credit.
He looks for people like me, long period of no credit, now middle aged with big open credit line. What kept me from panicking was that there was nothing on the cards to go in default; so the hell with it let him ruin the credit, lived without it before. Funny thing is nothing ever came out of it, haven't heard a peep in several months.

Thank you Zombie, again.  You are an assest here and I am glad to hear that I can consolidate.  God bless you.

Luke