To priscilla, you are so wrong.  Alot of these companies are scams, they get bits and pieces of information and the prey on people to try to scare them.  They are not truly legitimate, or they would not act like they do.  Saying they have ligitiation or they are going to send someone to your house, etc,,,, They are full of it, but many many people get scared and pay them.  NO, let them file a complaint in your coutny court house, get served then fight them.... they won't file a case because they can't, they have no jursidiction.

THIS FAKE COMPANY CAN CHANGE THE NUMBER THEY ARE CALLING FROM. I GOT A CALL FROM THREE DIFFERENT NUMBERS BACK TO BACK. 877-211-3248 /213-405-5327 / 877-842-5423 AND i'M SURE THERE ARE SEVERAL MORE. BEWARE PEOPLE

This lady keeps calling my work phone stating she is with Vision Asset. Niese Jones as well as another women named Vitta. She stated that I owe money on a old light bill for a company in which I have NEVER had service. When I told her, I never had service with the company she hung up on me, and another lady called by the name of VItta from the same company. She stated that I owe for a loan that I took out and I NEVER took out a loan. If you get a call from ANYONE from this fake company, let them know that you aware of the fraud and charges can and will be made!

very rude person saying I was on survallance and im getting processed and there is only one of me  i need to set payment i said she needs to forward to my lawyer  lady was burtal

I just received a call from a company that stated they were from Vision Asset Management Company.  Stating that I owe a payday loan in the amount of 642. and before they send it to the investigators do i want to settle this now.  Before, I could say yes I would like to make arrangements I looked them up on the internet and saw they are a scam. I asked him if he could provide me with the original document and he stated that he does not have that I told him he needed to provide that before anything is made.  He went on the say so you are refusing ;to pay this debt I told him if you are recording this it is ;not a refusal you need to provide me with the original debt and then we could discuss anything he would like but until then i can not talk with him and hung up. They proceed to call me numerous times I did not pick up the phone. The phone number is 8882540784

I quit this company because I did not there method of collecting. They do not follow the FDCPA Laws. I have been doing collections for over 8 years and there are people that are just not going to pay the debts at all. Those are just scub that don't care about their credit. But then there are some that do know that it is there debt and are willing to make arrangements to pay it off. If they choose to have bad credit and don't wnat to handle the debt then fine I don't feel that they should be threatened and lied to just to make them pay their bills. The owners of Vision Assets are Michael Kowalic and Angela Burdolf. Borela Investments is also owned by Angela Burdolf she furnish the company with the paper that they collect on. Deb Maloney was a business partner with Angela but don't believe that they are still partners don't let them get you!!!!!

I recently looked into a debt that was being collected by vision asset management group.  they gave me a name for a company that I borrowed money from; it did not look familiar to me so I called the company, and a representative said they did not have any record of my borrowing the money.  Trying to clear up debt, but can't afford to give away money that isn't actually owed.  Is this a real company & how to verify if there is actually a debt owed?  I called Vision again and they said that the debt would not appear on my credit report because they recently bought it.

RECEIVED A CALL FROM THE SAME NUMBER MAY I SAY NUMEROUS OF CALLS TO MY HOUSE PHONE AND CELL PHONE FROM THE SAME PERSON TRYING TO DISGUISE HER VOICE TO BE SOMEONE ELSE. ITS REALLY SAD THAT THEY ARE GOING TO THIS EXTENT TO COLLECT A DEBT. I'M NOT TRYING TO RUN FROM ANYONE I WOULD LOVE TO PAY OFF ALL MY DEBT IF I COULD BUT I'M UNEMPLOYED NOW. I'VE TRIED TO REASON WITH THEM TO PAY WHAT I CAN BUT GUESS WHAT THEY REFUSE TO TAKE WHAT YOU CAN GIVE THEM.MS. JONES TELLS ME WE NEED TO PAY THIS DEBT OFF ASAP(2 MONTHS) SHE STATES,BUT WHEN I COULDN'T AGREE TO THIS SHE WENT ON SAYING THAT I WOULD BE FACING A FELONY 3-7YRS IN JAIL.

THIS CALL WAS MADE BECAUSE OF A COMPLAINT AGAINST ME THAT WAS FILED BY MY COUNTY BUT THIS COMPANY WAS CALLING FROM NIAGRA FALLS 6 STATES AWAY  THEY ARE A PROCCESING OFFICE

ALL I CAN SAY IS THAT VISION ASSET MANAGEMENT, INC IS IN VIOLATION OF THE FDCPA. THEY HAVE GUIDELINES THEY MUST CONFORM TOO AND THREATING YOU IS SOMETHING THEY CANT DO.  FIRST OF ALL THERE IS NO SUCH PLACE AS A DEBTORS JAIL CUZ IF THERE WAS MOST OF THE PEOPLE WOULD BE THERE.  I SUGGEST THAT YOU GET AN ATTORNEY AND SUE THEY COLLECTORE MS. JONES AND VISION ASSET MANAGEMENT, INC, MY HUSBAND AND I WILL BE DOING SO SOON.  IF YOU WOULD LIKE TO RESPOND MY EMAIL ADDY IS MCARDONI@COX.NET.
HOPE THIS HELPS

LOL i LOVE you!!! very true. I'm a collector in Australia. Theres always excuses and it comes down to plain laziness over here. Just can't be bothered getting themselves out of the hole they're in

People need to pay their bills. This company would not be calling you at your poe,home, and cell if you did not owe money to their client. Stop being a dirty scum and pay your damn bills. Its not their fault you didnt go to school and get a job that pays decent. I think debtors are disgusting and its halarious when they run from a debt, because its always going to be there until they pay it off. It doesnt go away. Stop being a loser and making dumb excuses for yourself. Dont take out money you dont know if you can pay off or not. Get some class, stop embarassing your family name by looking like trash. I hope you all get called and harassed every day for the money you STOLE. A loan is something you pay back. You can pick out a debtor from any crowd of people who are not in the same situation. You dress like s**t, look like s**t, dont do s**t, work 3 part time jobs to support your kids. Your scum. thats all you will ever be. there is no solution i guess. without scum like debtors though i guess there would be no fine devision between people that are way better than them. So lets keep it that way.

You are a perfect example of the JERKS who are a debt collector. You must work for this company. You're reply alone would make me want to never pay them (if I did owe them, which I don't) just to spite YOU!

Actually I honestly dont work for them, I dont have any aquaintences who work for them either.. and I have never even heard of them till I found this site by accident. I think its crazy you would make those assumptions about me just because my oppinion of people who take out money and dont give it back is a negative one.. I went to school worked hard for my 6 year degree and have a well deserved and great paying job. It boggles my mind how dirt bags think they have the right to complain about the way they are treated by collectors. Its your dirty a** that took money you dont have. If you cared about your future and your family you would go to college and get a job. and dont blame the economy there are plenty of jobs out there for qualified people.. taking a loan without paying it back is STEALING.. it is actually considered as bouncing a check... there should be a debtors jail. Its those scum you see walkin down the street carrying grocerys back to their dirty apartment or house they rent for 300 a month. Get a decent job. Collectors get paid either way unless they work off commision. I would never want their job because of all the filth out there that dont know how to take care of buisness... its sad. white/black trash and sad. go buy your food stamps, get welfare, live off the government... its all good because you still look like bottom feeding filth that no one even wants to stand next too. in all honesty you really can tell just by looking at a person what their life is like... and how they handle finances... not 100% all the time but most of the time you can. Bad clothes, used clothes, dress their kids in used clothing, buy food from dollar stores, even better most of the time very unattractive (fact). financial aid is out there for anyone eligable to go to college.. move your ugly a**es and stop making excuses. You deserved to be harassed every day. its funny to hear the stories on the news.

It doesn't sound like you learned much at college.  You can't spell and have horrible grammar.  Was the 6 year degree really supposed to be a 4 year degree that you had trouble completing?

I was told the same thing.....they are very rude, she said she would file charges against me!!!  well than I guess they will never get paid like that if I am in Jail....Best of luck to them

wow sounds like she works for the company grammer seems right for a low life debt collector. it's not the debt that most people are objecting to it is the illegal procedures that are being used

One of my co workers received a call today and they asked them to take a message for me it was from a Ms Lockwood she gave them a case number and told themIwas involved it some litigation and that I needed be to call so that I could give them a statement

Zombie debt is a lucrative and illegal part of the debt-collection world that Clark wants to warn you about. Scavenger collectors buy up expired debts that can be up to 30 years old for as little as 1 penny on the dollar. Then they unleash vicious collectors to try to collect, and frequently violate the Fair Debt Collection Practices Act in the process. They may be going after debts set aside in bankruptcy; stemming from ID theft; or that have passed the statute of limitations, which is typically 4 years on credit card debt. There is no legal way they can collect these debts, but that doesn't stop the scavengers from trying to intimidate you.

THIS IS NOT A DISCUSSION ABOUT WHETHER OR NOT YOU SHOULD PAY YOUR BILLS; THIS IS WHAT YOUR RIGHTS ARE ABOUT OLD DEBTS. The scavengers are so good that they typically collect about 13 cents on every dollar. Many of them also engage in illegal activities by wrongfully putting old debts back on your credit report; harassing you over the phone; or secretly taking money out of your account. If you're being harassed by a zombie debt collector, send them a certified letter stating the debt is invalid and instructing them to stop contacting you. But beware that scavengers don't care if the debt is valid. They've declared war on your wallet and will use any tactics. Be tough and know your rights.

http://www.clarkhoward.com/news/consumer-issu ... ollectors/nC2W/

I found this site by accident and I really cant even believe that there are people out there that dont pay their bills.  I have read all the posts here and it seems like a lot of S*** slinging over companies that collect debts.  What I dont understand is why these people arent paying their debts.  Isnt the whole reason why someone calls you about a debt is because you havent paid YOUR debt.  Stop borrowing money you dont intend on paying back, stop spending above your means and then blaming everyone else for it.  Its a JOKE, it really is and frankly Im posting this as a person that struggles a lot to pay my bills and Im sick of everyone else not busting their a** to pay for theirs!  It hurts our economy and affects everyone else.  Stop wasting your time on these sites and waste some time going on line and paying your bills.  The world would be a better place if you would stop borrowing money and wasting time at home scanning the internet for ways out.  GET A JOB!!!!

I just got a call from the same number. They left a message a Mrs Lockwood. I am reproting them to the AG's office. I am sick of calls like this. I paid my payday loans.

Got another one today.

Been getting calls from this number. the latest was a man who said he was with vision asset and that I had been named as a person of interest in an investigation.

From:http://800notes.com/Phone.aspx/1-716-299-0130/2

Please contact the New York Attorney General Offices for assistance and referral to a local consumer law professional (The Law Offices of Kenneth Hiller I would recommend). Consumers may also contact the Ontario Ministry of the Attorney General, Brian Pitkins, Ontario Registrar for Collections, The Law Society of Upper Canada and local authorities (Niagara Regional Police).

Deborah Maloney is a junk debt collector who runs a Buffalo, New York based paper-mill, churning out junk debt claims faster than spinning off a roll of toilet paper. She makes threats anyways to give credence of validity in hopes consumers pay. She operates this "law firm" at 94 Jarvis Street in Fort Erie, Ontario CANADA L2A 2S4 (local contact 905-991-8405) accross the border from Buffalo, New York.

She claims the ability to file lawsuits (and purchases these accounts) for her bottom feeder operations such as Vision Asset Management Group, LLC an affiliate company, The Law Offices (scam operation), DMG Consulting (licensed as a collection agency in Ontario CANADA registered to Deborah Maloney), Borela Investment Corporation (disguise LLC "shell" company) and others on debts that usually have little or no valid documents to back them up. They paid pennies on the dollar for those junk debt accounts. (Like buying a used car with stick shift, AM Radio, No Air Conditioner and Crank Windows.lol...)

Several consumer attorneys state that if you contest her (bogus?) court filings (if applicable) and they do not pass legal scrutiny? bye, bye lawsuit!

When a bottom-feeder purchases an account, a consumer no longer has liability with the original creditor. The burden of proof lies solely on the purchaser of said account to establish validity in a court proceeding. Junk debt owners/collectors usually pay their own employees to falsify court papers because they lack valid documents from the original creditor. Most hope consumers either will not show up and end up taking a default judgment, or cave in by agreeing to a monthly payment schedule.

Both choices are a major mistake that will negatively impact consumers and consumers families for many years.

If you and your attorney challenge that claim, based on their inability to provide a valid chain of ownership and they lose,there is no judgment, you walk and keep your money.

If you do not, you could end up paying thousands of dollars more than that what the junk debt buyer paid to obtain that account. In addition, you must also consider the trauma, embarrassment, and stress associated with having a judgment on your credit for seven years. You also face the on-going problem of your bank account being garnished and possibly many more years of harassment with collectors working for The Law Offices.

A consumer law professional is experienced in challenging the lies and bogus filings brought into court by these junk debt litigators. Their involvement could result in a dismissal of that claim by the court. Your cost of hiring a consumer law professional is small in percentage of what the debt could ultimately cost you and your household.

There is no guarantee that this works every time, however most experiences are that these consumer attorneys do a much better job in defending than Deborah Maloney would in litigating or attempt to anyways. We all know that experience, knowledge, and professionalism trump greed every time.

Why would anyone put up with a debt collector when you have the ability to control outcome for a fraction of the cost of having to deal with the expense associated in a judgment.

Contact a well qualified consumer attorney if you are dealing with The Law Offices, DMG Consulting (Fort Erie, Ontario CANADA), Borela Investment Corporation (same entity as The Law Offices) or Vision Asset Management Group, LLC (an affiliate company).

i just spoke to ms marshall that told me she was highly educated and she was aware of all the laws. I told her to mail me a letter re the debt in the mail and she kept trying to get my email. she wouldn't tell me where they were but that they were part of the vision asset management investment group. she wouldn't tell me the name of the parent or umbrella company either.

I just gotva call from 877-842-5423 left a message said her name was Ashley Marshall from some vision company saying they just got a fax about me and they need my statement I always like to look up numbers like these before I call I know I do not have any debts

Received multiple calls from this number with no specifics.  Like others, they have threatened litigation and used words like "imperative". They gave no specifics except for a "case number".

These people just called (from what looked like a local number only it had 1 too many digits)  my home number looking for my husband stating they were the Marion County Clerks office (which we are in Marion county) regarding a bounced check or something he couldnt really tell me what it was about  he hmm and just talked in circles had no case number nothing but this phone number 877-842-5423 they are scamming they have called before and said My husband had a cash loan that he never paid which in deed he did have a cash loan and did pay it off confirmed by cash loan company they have no clue who this company is and the loan was paid. They are scamming to get your to make a payment so they can get your payment info ... Very rude that was my first clue they were not legit and have never recieved anything in the mail either.....

They will not give me any information about what they are calling for.

A Mr. Sean Stewart called a relative, disclosed that they were prosecuting him and myself for fraud.
I referred the person to my attorney.