They also run off a number 281-407-3038 and the people that call here are VERY NASTY. They are looking for someone who had this phone number before me and as I tell them that, an a** on the other end told me to "SHUT MY MOUTH"> Great way to speak to clients. These people make me sick. I have a case against them with the NC Attorney General's Office, and Im waiting for them to press charges against them. THEY ARE NOT NICE, THIS IS A SCAM, AND THEY ASK FOR YOUR SSN!  DONT GIVE IT TO THEM....

I have been working with these people. They are very rude. I am trying to call them today to let them know they may not take out a payment. What do you know you can't reach them. I would like advice on what to do.

I total agree with U over 10 yr. ago all debts of this matter was pd. Bless to say a debt coll. have no reason to call my home..upon informing this office her New York AG office would be informed of these call her used unlady like words hung up........

They keep calling my number asking for someone I do not know.  They are nice and say they will remove my phone number from their database.  Then the same person calls back with a different name yelling and screaming threatening that the police are on their way.  Outside of the phone number 877.614.5054 they have used other numbers such as 855.755.7080 and 716.568.7699.  They said the name of their law firm is Peterson & Schwartz Attorneys at Law.  They said their address is 1591 Kenmore Avenue Kenmore, New York 14217.  I looked that address up on google maps and it is the middle of an intersection.  The same person has used different names such as Brian Reynolds, David Fulton, and Mr. Schwartz.  When I spoke to Mr. Schwartz I asked to speak to David Fulton and he did not know who that was.  He hung up on me and when I called back David Fulton answered the phone.

Below is their company info from BBB:

Arbitration of Peterson and Schwarts
Phone: (716) 568-7669
636 North French Road Ste.#7, Amherst, NY 14228
petersonandschwartz@yahoo.com

I would mail and email them something to the effect of the below statement:

To Whom It May Concern:

I am emailing this letter in regards to a threatening voicemail left on my cell phone and a call to my workplace claiming I owe money for a debt through CashNET USA.  You are claiming legal action if the debt is not paid.

This is NOT a request for ?verification? or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:
·         What the money you say I owe is for;
·         Explain and show me how you calculated what you say I owe;
·         Provide me with copies of any papers that show I agreed to pay what you say I owe;
·         Provide a verification or copy of any judgment if applicable;
·         Identify the original creditor;
·         Prove the Statute of Limitations has not expired on this account;
·         Show me that you are licensed to collect in my state; and
·         Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau?s (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
·         Violation of the Fair Credit Reporting Act
·         Violation of the Fair Debt Collection Practices Act
·         Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

This is an attempt to correct your records, any information obtained shall be used for that purpose.

Below is their company info from BBB:

Arbitration of Peterson and Schwarts
Phone: (716) 568-7669
636 North French Road Ste.#7, Amherst, NY 14228
petersonandschwartz@yahoo.com

I would mail and email them something to the effect of the below statement:

To Whom It May Concern:

I am emailing this letter in regards to a threatening voicemail left on my cell phone and a call to my workplace claiming I owe money for a debt through CashNET USA.  You are claiming legal action if the debt is not paid.

This is NOT a request for ?verification? or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:
·         What the money you say I owe is for;
·         Explain and show me how you calculated what you say I owe;
·         Provide me with copies of any papers that show I agreed to pay what you say I owe;
·         Provide a verification or copy of any judgment if applicable;
·         Identify the original creditor;
·         Prove the Statute of Limitations has not expired on this account;
·         Show me that you are licensed to collect in my state; and
·         Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau?s (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
·         Violation of the Fair Credit Reporting Act
·         Violation of the Fair Debt Collection Practices Act
·         Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

This is an attempt to correct your records, any information obtained shall be used for that purpose.

Regards,

do they use other numbers like 855-755-8050

I am so sick of calls from this company!  They have been calling me for months saying that I owe them $ from 2008.  First they said that I went online to get this cash advance and had it deposited into Null Bank.  There is NO Null Bank.  Then today they said that I went into the actual store and got the loan.  So I did a store locator search and there is not even a store in the city they said I went.  They are scammers!  And are jerks.  They are trying everything to get $ out of me.  I also asked them to send me some documentation with proof and they tried to get my address.  I told them no, send it email.  I am waiting for it to come through.  I am calling the FBI on this company!

different number now, 855 755 7080, odd is that that number is listed online with several other businesses attached to it; conclusion of mine? business number attached to several start-ups which went dead, and the collection agency picked it up; this caller told me he had an affidavit with my name and social security number and that allegations of fraud were being levied; he was offering to take my statement since they are an arbitration firm.  i would like to respond to him in a word...bs.  anyway, it's all an FDCPA violation, but these characters keep violating it.  why?  because they can.  who's going to stop them?  who's going to bring any kind of federal action to formally enjoin them?  no one.  so do what I do...add a new contact and label it DON'T ANSWER... and if you do have debts assigned to collection, remember this:  if you're in Hawaii, to be a plaintiff here, they have to be registered to do business here, and they have to hire local counsel or be approved pro hac vice...if you have a debt 3000 or less, the cost of hiring counsel outside your own state to collect a debt makes that collection impractical...besides, if you have unsecured debts, for 1800 to 3000 you can file a chapter 13, pay your lawyer a downpayment, pay the rest in a five year plan, and have the unsecured debt discharged...so tell those morons to go screw themselves.

Received calls from same person claiming they are from Petersen or Peterson & Schwartz.  Did some research and there is no such company or law firm.  There is a Viola Petersen Schwartz who died and a medical doctor with this name.  They use fake names like Mr. Stone and Nancy Hill.  These people are most definitely scammers.
When these calls come to you, hang up and call the Federal Trade Commission at 8882255322.  Also contact the Bureau of Consumer Protection at the Attorney Generals office in your state.  There will be a record of these abusive callers.  People like this are being tracked down by the law everyday and many are sitting in jail
If you get these calls at work and it's on the business phone, talk to your boss and keep him/her informed that these calls are occurring everywhere and that you have filed a complaint.  You can also tell your boss if any calls come in for you like this to hang up and let you know so you can report to the authorities there phone number and that they are trying to contact you at work. This problem has been reported to the media and there have been announcements made advising the public what to do. If not, call the media and tell them about this ongoing problem.  After they get so many calls they will report it on the news.

I  have been getting these calls like every other day from these people at my job. They say I owe a debt from 2007 from a place called Ace Cash Express which is a check cashing place. I called them and they don't give out payday loans. This place is a fraud..I ask them to send me something in writing and still waiting.

the call comes to me from a ny number in the nassau area its not an 877. I have been threatened by Stone and by Donnelly . I owe no debt . The debt was made by someone else who gave my # ( without my permission) as a refrence. I have told them this several times. And Mr Stone informed me the last time he called that If I didn't either PAY HER DEBT or put him in touch with her. I was going to be very sorry I ever heard his name. What a crock. The calls are an annoyance and the better business bureau in ny has had complaints. I am trying to find out now what my options are . I really just want to punch someone in the nose.

THis company is a scam- and trying to collect on debts that do not even exsist!!

got a call from this nunber said his name is logan dilan and the idiot above that made the smart a remark about being responsible and not run away from their debts y dont u send them ur money u r a jerk and naive

Can't spell for squat. Back up and try again.

Tom Cruise said show me the money and I say, send me the bill. If you can't show me that I owe money in writing, do not expect me to pay anything and do not expect me to verify personal information. Anybody with $50 can get personal info on someone online. Show me the bill, serve me the papers or shut up.

Tuesday Sept. 11, 2012 at 6:05pm I got a call from 1-877-614-5054 from Peterson & Shwartz stating I had taking out a loan from Check N Go in December of 2008 and when Check N Go went to get there money back my account was closed.  I have had my checking account since 1992.  He then went on to say my name, my ss# my birthday and so on and said he had all this information on me.  I kept asking him for proof and for him to send me something so I can see this and he got all huffy and he hung up on me.  All I was doing was asking for proof.  I didn't take out this whatever it is and it goes back to 2008 I am lucky I can remember last week.  I am disabled and have been since 2007.  He waited like 3 minutes and called me back asking if I had calmed down and I said do you know how to play baseball...catch this and hung up.  This guy really pissed me off.  After he hangs up on me and not giving me anything in writing he wants me to pay him over $700 he has to be nuts.  If he has to prove it but every time I asked for proof he got pissed.  He wouldn't give me any more information expect kept telling me I owed this debt. And he was going to come to my house with papers and serve me.  I should have my lawyer contact him to discuss this matter.  I see from the phone number other people have been bothered from this guy and this office.

SOME LAW FIRM PETERSEN & SCHWARTZ FROM NY AREA CODE 716 CALLING ME VERONICA KIM SAYING THEY RECEIVED A RETURN CHECK AND I NEED TO FIX IT BY CALLING THIS NUMBER AND REFERENCE TO 62442. THEY'VE BEEN CALLING FOR MONTHS!

FIRST OF ALL, WHO THE F*** IS VERONICA KIM?! SECOND, I DON'T WRITE ANY CHECKS SO HOW THE HELL DO I HAVE A RETURN ITEM! I DON'T KNOW WHERE THESE A***IPES GOT MY NUMBER BUT THEY BETTER WATCH OUT CUZ IM COMING FOR THEM..

You've made a big, and incorrect assumption - that only people with outstanding financial obligations are getting these calls. I have no outstanding debt, pay all my bills on time and my credit rating is about as high as it goes - but I still get frequent, threatening calls from people/companies like this.

This is a scam. I fell for it several months ago and sent money. I never got a reciept. Then they same guy called me using a different number trying to tell me the same thing. I had already filed a police report.  The police told me just don't answer the calls. No one can tell you over the phone that you are being served. This is not a legitimate company. Stop the madness and leave people alone.

HOW do you stop these people from calling?? I do NOT have the debt they are talking about and today they called and upset my mother and told her that she was the co debtor on my account and gave her ssn and dob and I have NEVER had my mother on any debt of any kind, I dont even know my mothers ssn so how did they know it?

Why do consumers run away from their financial obligations??? Are they scared, lazy, just plain don't want to work???  The debts are usually purchased by a 3rd party debt buyer who now owns the rights to the debt.  If consumers would just step up to the plate and own up to their financial obligations, get things in writing, speak with a supervisor if need be, and PAY THEIR BILLS.  Tactics of such would not have to be used by debt collectors.

Lets face the facts, no one (consumer) will make a decision or make the issue of paying a priority unless psychology done so.   Consumers lie when have them directly on the phone, relatives lie for them!  But all of the blame is to point the finger at a debt collector??!!??

Seriously - consumers - you acquired the debt, make arrangements to pay it back!!  We all know some one who knows of a Troop Member fighting for our freedom!!   Don't take the word "Free" out of freedom!! Have respect!  Make things right!!  Pay your bills, find away or find help!!

Americans need to be AMERICANS - not thieves!!! or cowards!!!

[This post has been removed]

RECORD RECORD RECORD! I Cannot stress it enough! Record every conversation, make sure you inform that is on the other end of the conversation that you ARE recording and make sure they acknowledge it, if the collector refuses to allow you to record, end the conversation and hang up! Any messages you have on voicemail save them, because this scamming so called payday loan collection company is under investigation!!!!!
This sham of a company is Arbitration of Peterson and Schwartz, 636 North French Road, Ste 7, Amherst, NY, 14228.  Eric Powell aka David Fulton, his personal cell phone number is [removed], you should talk Only to him about your debt there, if you really have a debt, push him about if they are in Fact a Law Firm, the actual Name of the process service company, which is just another person in that company using yet another alias, which is also illegal!!!! that is calling you from a blocked line! The 250. Return of services or how ever it's stated to you is false! If you have payed one penny to this 5 person scam of a company, go to either your local Attorney General or New York's, the FTC, file a report, ask for a full investigation and audit of this company, they are collecting on bought paper that is a few years old, for Cash Central and First Financial, claiming either of those two payday loan company has hired them and are the Plaintiff in a case now naming you, the debtor as a defendant! Hahaha!!!!! Not one person will ever be brought to court by Eric Powell, Ever!!! He doesn't even have a stamp with company name and address to send out letters, which is another thing required by law to inform you of the debt, and inform you of your legal rights!
Send in cease and desist letters, let them know Not Ever to call your place of employment or even better have your boss get on the phone and clearly state No Personal Calls to this business and if they call again after that there in violation of yet another law! There is NO INTEREST, NO FEES, YOU HAVE BEEN OVER CHARGED BY 300% If You Have Payed Anything To This Company!!!
Remember Record Record Record and once you have proof, take this guy to court to the cleaners!
That's how you put companies like this down, for every FDCPA Violation they commit is a $1000. fine just against the collector that made the violation!
There is no one coming with any papers for you to sign at your home nor your place of employment! Laugh at these people when they call and hang up on them, not one account there will ever be taken to court!
Btw the two posts, Joseph on 6 July and Joe on 30 July are both Eric Powell, the thief that owns the company! !!
Funny thing he does have a child and obviously thinks it's ok to have a company for the sole purpose of grossly jacking up balances and stealing money is an ok to lead by example!!!
Call the 877-614-5054 number so it costs this company money!
More to come, stay tuned, in the mean time research Tobias Boyland of Erie county of NY, read up on how our. Governor Cuomo combats these scam artists!
Google laws on collection of Payday loans, educate yourself on the laws and fight back!!

From a collector that doesn't believe in screwing people over!!!

They called my sick bedridden mother scaring her to death looking for me. I never give her phone number out to anyone unless ordered by law to do so...but I know these folks work. They claimed that I needed to contact them before going to court to sign papers. First I have no current legal cases open or pending. Second since when did telemarketing companies start handling law/legal/judge/jury/or any other sort of legal/criminal/personal matters. Unless I was at fault with or through their comany. I have checked and I hve no open cases/pending/tickects/warrants/otherwise. I was under the impression that 99% of all legal matters were still handled by our legal government system...unless you did it the ole cowboy way...you know shotgun...or dueling at dawn. Correct me if I am wrong I am not afraid to be corrected. But scaring my mother was very wrong and uncalled for. Don't be a chicken contact me without all of the BS and leave my sick mother alone.

Since you belong to the company that is harassing people of course you would say that - whatever you harass people for money they do not owe!!!

Anyone get a call from a Mr. Bailey? He's coming to my house on Wednesday. He said me or my attorney also need to call this number. Just checking because I'd like to see some documentation of what I owe before I just blindly give out my credit card number. It's sad how these scammers mess with people & some people actually fall for it.

They keep calling from Peterson and Schwartz it is a recorded call with some bogus account info. I don't owe anything to these people and I can't find any info on this law office.

i found the site because i googled the number wanting to make sure what is the name of the company that would show up on my bank statement and yes i sleep very well at night because unlike you i pay my debts. do you sleep well at night knowing you stole money from strangers?

No-one is coming to your house THIS IS A SCAM  reason: it's against the law to call and threaten you in any shape or form