This caller said he was Mr. Collins for the litigation department of First Legacy Assets and that I was involved in transporting (?) or something to that effect electronic documents across state lines and carries criminal penalties and mentioned a county name which I could not identify.

Listened to it again and still can't make out the county name; but he is the director of operations of the legal division and that there are charges of impending fraud against me; I'm presuming it's the same of those who tried to call me regarding a payday loan that evidently a relative has taken out and put my name on it.

not sure who this is calling me telling me iam going to court over this acct but didnt tell me what it was and i was in trouble for fraud  and they said there name was ms roberts  and she is from first legacy assets  who are and why are they calling me ?

Caller called my sister on her cell phone & stated to her I was being taken to court for Bank of America fraud (but I have a bank of America account that is currently open, this cant be true). He told her I took out two pay day loans & owe money. Isnt this illegal can they disclose this info. Anyways she took down his number & an extention although when I call there is no greeting & no where to put in an extention. He didnt pick up the first time I called it just rang and rang and rang. So my sister called again he picked up. I called him 5 min later he picked up I asked for his name he gave me "Pat Bowers" I asked for the company name he said "First Legacy" then I said for his supervisors name he responsed "my supervisor is the Attorney" so I asked him for the Attorntey's name" He then started yelling at me saying he will contact the sheriff department  & I'll be going to court and hung up in my face. Later I told my sis about the convo in detail as Im typing now & what he told me and she said he gave her a differnt name. Hmm Ill have attorney look into this.

Called me and said that I was having criminal charges brought against me, and when I said for who and what are the charges for she would not tell me, that I needed to call 877-527-0510 X112  Pat Bowers.  I called and no one answered.   But upon talking to the receptionist she said she could not give me the names of the companies and I told her, that she would know and that I would be calling the Attorney General to file a complaint.

Apparently, this company First Legacy is not a viable company. They claimed to be stationed in Seneca, NY, but that is not tangible location, and their phone number reveals business is largely vapor noting more. Which means that they constantly use different number from 716 area codes to 877 area codes. That will never respond to anything by any lawyers. But I can tell you this. What they are doing is unstable, It is all hot air, and threats and only that. The best advise I received is to actually cuss them out be as nasty to them as they are to you. Tell them you will be glad to be served and go to court that is one way of actually getting them in the same room as you, especially when you asked them not to call you at home or work and if you sent the a cease and desist letter also. They are violating so many laws against the FDCPA. It is not okay what they do to people, but you discipline them over the phone do that a couple of times. This is one of those companies that stay hidden under their shell, they can truly never truly be a threat.  But always stay in contact with a consumer lawyer regarding these folks. Good Luck

Persnoally, I want my day in court with them. They are violating so many laws under the FDCPA, and I sent a cease and desist letter to them, told them over the phone not to call, and they threatened my family. I have proof of every letter I sent by faxed and every body from First Legacy I spoke with along with names and extensions. I also spoken with legal representation. I beleive that they know they are wrong that's why I don't beleive that they will come to court they need a lawyer to represent them. Do they really want to go against a judge who's aware of the FDCPA. I gave them 30 days to reply to my C&D letter. Times almost up.

Received a call on my cell.

HEY A***OLE WHAT ARE YOU A SEA LAWYER BOUNCED CHECKS ARE BOUNCED CHECKS YOU DUMB A**

TROLL ALERT -

All states have Check fraud laws - THEY CANNOT BE APPLIED TO PAYDAY LOANS


CONTACT YOUR STATE ATTORNEY GENERAL!

TROLL ALERT  - EMPLOYEE POSTING FALSE INFORMATION

debt is a CIVIL matter - YOU CANNOT BE ARRESTED

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that you have committed a crime;
    --------------------------------------------------------------------
Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
               --------------------------------------------------------------------
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to
               ----------------------------------------------------------------------------------------------------------------------------------
take the action.
--------------------------

report all contacts FROM THIS ILLEGAL DEBT COLLECTOR TO 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!  

Include the link to the thread so the AG can see the FAKE and HARRASSMENT POSTINGS BY EMPLOYEES


These links are to attorneys for those being scammed
www.naca.net
or
www.consumerjustice.com/consumer/searchattorneys.aspx




http://www.consumerjustice.com/consumer/agencydetail.aspx?id=7669
First Legacy Asset Management, LLC  
42 Lillis Lane
West Seneca, New York, 14224

--------------------------------------------------------------------------------
Phone No.  716-675-0915 716-675-4979  
Fax  

  Mark B. Kasperczyk, Owner
 
 

Notes
Junk debt collector, buyer. Corp started Jan, 2010. No license or bond found anywhere we checked.  
                                                                         ----------------------------------------------------------------------  

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

pay your bill you scumbag and quit looking for a way out

caller left a message saying i am a "person of interest" in litigation against Penny Marshall, and that i should call back immediately.  totally bogus.

hey please help me i just got served a summons to appear for a bad check in my county for a pay loan

well i hear you roger these renegades sued me and tried to have me arrested for a bounced check but thank god my state has no bounced check laws.. people please look into your bounced check or stop pymt laws in your state google them if you have to

well my name is roger and these so called clowns called me up about a pay day loan i thought so what its a payday loan im not paying it. they told me i would get arrested for bounceing a check i thought yeah right i slammed the phone on them and the following day the local sheriff dept pick me up on a warrent for issuing false info..

Got a call this morning listing me as a referral # for my daughter. Said she wote a "bad" out-of-state check and needed to call "Mr. Hawkins" in New York (She is in IL)  before 4 EST. Gave a case # already filed and wanted to "help" he keep her "good name" before she was served papers.  Right... What a dunce he must think I am!

This David Hawkins left a message on the VM with a file number and what not asking for a call back. He didn't sound very professional and I'm not taking it seriously. If it is truly important he will call back and leave a proper message.

Yes, I am getting calls from 716-725-6650 and 716-864-2238.  When I call back 6650, it just rings and rings. When I called back 2238, I got a voicemail for Joe.  But the number they leave me to call is 877-527-0510.

Consumer Alert: Attorney General warns Kansans of debt collection scam

January 29, 2010 -- Attorney General Steve Six is cautioning Kansas consumers about telephone calls from apparent fake debt collectors who are impersonating law enforcement officers in an effort to extort money from consumers.   Consumers are warned to not submit payments to these fraudulent debt collectors.

When calling, the scammers most often state they are attempting to collect a debt related to an internet payday loan obtained by the consumer, but which the consumer never repaid.  Consumers state they have never obtained such a loan or paid off the loan years ago.  The scam artists have most recently identified themselves as ACS, National Affidavit Processing Department and United Financial Crime Division, but may use additional phony names.  It appears the phone numbers used by the scammers are ?spoofed? numbers, so that the number appearing on a consumer?s caller ID is not the actual number of where the call originated. It appears the calls in question may be originating from outside the United States.

When questioned, the individual calling refuses to disclose the full name or address of the collection agency they claim to represent.  These scammers have been able to provide consumers with identifying information, such as the consumer?s social security number, home address, e-mail address, names of family members and the consumer?s computer IP address.  Since the callers are able to provide valid personal information, consumers may become confused and believe they are being contacted in regard to a legitimate debt.

If the initial debt collection scam is unsuccessful, consumers have been re-contacted months later with the scammers posing as law enforcement officers or officers of the court.  Typically, the consumer is threatened with arrest for fraud or some other fictitious crime unless the consumer agrees to immediately wire money via Western Union.  The fictitious officers strive to frighten and confuse consumers into compliance by using legal sounding terms such as ?We?re filing an affidavit against you? or by stating a lawsuit has been or is in the process of being filed against the consumer.

A hallmark of each scam has been calling consumers repeatedly at their place of employment.  This scam hit home when an employee of the Kansas Attorney General?s Office was repeatedly called both on her cell phone and at work.  Despite the employee?s repeated verbal disputes, the caller refused to provide any identifying information to allow her to send a written dispute. The scammer also continued to call her numerous times a day regarding a payday loan she denied obtaining. Two months later, she was again contacted by telephone by an individual identifying himself as an ?officer?.

?I denied owing the debt and refused to pay without being provided validation of the debt. I was then told, ?If that?s the case, I will have local law enforcement come to your place of business and drag you out kicking and screaming?,? stated the employee.

?It is important for consumers to know their rights under the law,? Attorney General Six said. ?If a consumer is receiving calls from a debt collection company and believe it is a scam, I encourage them to contact our office immediately.?

Under the Fair Debt Collection Practices Act (FDCPA), collectors are required to send consumers a written notice within five days of the initial contact.  The notification should contain  information such as the amount of the debt, the name of the creditor to whom the debt is owed and a statement informing the consumer they have thirty days to contact the debtor in writing to dispute the debt or request validation of the debt. In addition, legitimate debt collectors are prohibited by the FDCPA from making false or misleading representations, such as the consumer has committed a crime, implying nonpayment will result in the consumer?s arrest, or using the threat of violence.

More information is available on the Federal Fair Debt Collection Practices Act at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf.

To register a complaint with the Kansas Attorney General?s Consumer Protection Division, call 1(800) 432-2310 or visit www.ksag.org.

http://www.ksag.org/page/consumer-alert-attor ... collection-scam

Yes...Listened to it again and still can't make out the county name; but he is the director of operations of the legal division and that there are charges of impending fraud against me; I'm presuming it's the same of those who tried to call me regarding a payday loan that evidently a relative has taken out and put my name on it.