Got dead air.

The scum bag is now calling from 877-827-4430 and they are still up to no good. The dummy even called up my military cell phone and left a threatening message stating that I was being charged with numerous bounced checks. I do not have a checking's account nor do I have checks. After handing over the voice message to the Military Authorities and speaking with the DA, lets just say that Stephanie is going to wish she never left such threatening messages on a military phone. She can not deny such a thing because according to CID her voice is like a finger print and when they finish with her there will be no way for her to get out of this one. ha ha ha I can not wait until they arrest her and her crew. The ways things are looking, her day's of freedom are almost done.

(Stephanie Lowinger of Anderson Place in Buffalo, owner and operator of Neimen, Rona & Associates, formerly Morgan, Stone & Associates and now known as Gordon, Cappolli & Associates, all debt collection companies based in the Buffalo area)

CHECK OUT HER FACEBOOK PAGE @  http://www.facebook.com/people/Stephanie-Lowinger/100000396896163

Stephanie L. Lowinger uses the following aliases:
Judy McKinley (ext 229)
Susan Powers
Stephanie Gordon

Gordon Cappolli & Associates. (address when raided by police)
255 Great Arrow, Suite 4,
Buffalo, NY 14216

LOWINGER STEPHANIE L.
6 CRESTWOOD AVE (residence where they may be scamming)
BUFFALO, NY 14216
-OR-
60 ANDERSON PLACE
BUFFALO NY 14222

This is one of Buffalo's WORST criminal debt collectors.

We expect that Stephanie Lowinger will end up in prison for her crimes.

She is reported to have a pill popping addiction, requiring lots of pain killers.

They are/were located at 255 Great Arrow, 4th Floor, Buffalo, NY.

She and four others are collecting on payday loans with threats of jail time if not paid.

Stephanie Lowinger is a liar and con artist, who needs a lot of money in a hurry.

Do not fall victim to her threats or attempts at extorting money.

If you are contacted regarding a payday loan by a collector, you should be suspicious.

You cannot be put in jail, do NOT give them any money.

im so sorry u guys i worked there 4 about a month n i collected nothin because i didnt use the tactics that the others used so while they wer making hunderds i made nothing but anyway but they call it stiff and biff what they do is they give u a rediculous amount then they say oh we'll take off intrest and its still way more your bill is sitll 300 they are just trying to make more money off of you i would tell them that you or your spouse is a police officer and you recorded the call and youll let him decide what you should do or tell them that your a officer and that wht they said ti you is unlawful and your turning them in they arr scared shitless of the police so they will stop all the calls

What number are they calling you from Kim they are not suppose to be collecting anything look them up in the news and contact the ny state attorney general and they will stop calling

How do I get these people to stop calling me???

She got busted!!!!

http://www.wgrz.com/news/local/story.aspx?storyid=88477&catid=13

also call her @  716 440 3009

they are not LICENSED to collect debts in NY or any other state - THAT MEANS THEY ARE A SCAM


Just because they change the names over and over again - they CANNOT GET A LICENSE or BOND to collect debts!

FINALLY CLOSED DOWN COMPLMENTS OF THE NYS D.A!!!!...YAHHHOOOOOOOOO!!!!!!!!!!!!!!!!!!!!!!!!

They are not a scam, necessarily, but yes, there are some shady parts.  They are a heavy-handed collection agency that uses the illusion of a legal firm, which they are not.  They will never prove it by furnishing a license number, which all states require legal firms to do on stationary, letterhead etc as a necessary form of disclosure.  They are real, though.  They had a legit debt of mine that I had been trying to chase down with another firm that gave up on my even though  I was calling them weekly to find out what I needed to do for the debt to be cleared.  

What gets me is now is that none of their phone numbers work AT ALL.  DISCONNECTED!  Me thinks they got spanked with a lawsuit to end their days.  

But they will probably surface under some other name.  GOOD LUCK FINDING THEM.

According to Erie County court records, Stephanie Lowinger has a new business name; it's Gordon Cappolli & Associates. The address I found is 255 Great Arrow, Suite 4, Buffalo, NY 14216. The person I talked to at the NY Attorney General's office said this was a common tactic of hers -- changing her business name when the complaint volume got too high. I'm posting this in several places to make sure she doesn't get away with it.

ON July 29, 2010
I got  call on my phone for my brothers girlfriend. They were threating to have my mother aresseted for tax fraud because my brothers girlfriend lives here and ''pays rent''. They said it is not reported on my mothers taxes.. which it is reported every year. They tryed to strong arm us for $1200 payment last night told us we had an hour to come up with the payment. That the payment must be made by post dated check or someone with a credit card. When I began confronting them about this situation and how the bill owed by my brothers girlfriend had anything to do with my mother they would change the subject and talk in circles. The other key give away this is a scam, there is such a thing called client confidentiality and they were giving me ALL the "DIRT" on my brothers girlfriend... so watch your a**es out there folks these people will try to wear you down and bully you into payment. They have been calling my personal number (which has been unlisted for 10 years) they even call my mothers cell, they called brothers girlfriends mom and scared her to death saying they were going to send the police out there if she did not pay the money.  When I informed them that we had been advised by criminal counsel not to pay anything and demanded they send us documentation, the lady wanted to talk to the 'attorney' in question which I refused to give the information as they are a family friend and not representing us. She promised to E-mail the information to us, and instantly hung up. We still have not recieved any email information and after contacting our local DA, check resolution department this morning there is no records showing a case against my brothers girlfriend. The numbers they use are 877-218-6991 and 716-748-8799, the names used by this "NRA firm" as they left the message on my phone is Sharon Carter (attorney) and the legal mediatior Elizabeth. I felt this information needed to be shared and everyone should openly talk about this scam and bully tacts as well as file reports against them with whatever local departments will listen.
Caller#'s: 877-218-6991 and 716-748-8799, NRA firm---AKA: Neiman Rona and Assc

Neiman Rona A** 716-748-8798  Keep calling for someone.  Can't understand who they're asking for, but doesn't sounds like any of us.  I called to ask who in the heck they wanted.  "Receptionist" became rude and hung up on me.  I tried to call back.  They keep hanging up.  They called me, and now they don't want to talk to me?  Ridiculous!  Thanks to the suggestions, I called the Buffalo, NY Attn Gen at 716-853-8400 to get a complaint form.  All complaints must be in writing.  They did say they got a lot of complaints about this company, but they can't divulge more info.  They claim to be lawyers, but I can't find anything verifying this.

HERE'S THEIR WEBSITE: http://neimenronaassociates.com/

jackie onello's real name is stephanie iannuzi and she has opened up a collection agency on harris hill in lancaster....beware of this crazy woman as she is still the bi*** from neiman rona and associates....dont pay anything to anyone unless you have a valid letter and take it to your attorney

Who is she backed by?

POST YOUR EXPERIENCES HERE  
http://www.consumerjustice.com/consumer/agencydetail.aspx?id=7716

REPORT THEM TO THE NY ATTORNEY GENERAL
? 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!



Neiman, Roma & Associates  
1211 Hertel Ave. 6 Crestwood Ave, Buffalo, NY 14216
Buffalo, New York, 14216

--------------------------------------------------------------------------------
Phone No.  877-218-6991 716-447-0174 888-447-0176 888--447-0178  
Fax  


Stephanie L. Lowinger, Owner aka/Stephanie Gordon aka/Susan Powers  


Scam debt buyers, collecting on bogus payday loans. Owner Stephanie L. Lowinger has a long & sordid reputation for illegal debt collection operations and FDCPA violations. No license or bond found anywhere we checked. Posing as attorneys, threatening legal actions. This outfit is a Scam of huge proportions, they may not legally own the accounts they collect on. If you send them money, expect nothing in return. They  

Aliases Other Locations
6 Crestwood Ave. Buffalo, NY 14216  

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

These people called my office five times in quick succession yesterday, demanding to speak to me. The first two times, the guy on the other end refused to identify what company he was with when I asked, instead simply demanding to speak with me immediately. The third time, he said only "NRA". The fourth time, he asked to speak to my boss, and identified himself as being from "Neimen Rona & Associates". I recognized that name, from Internet searches and from my own experiences with them trying to scam me, and so I hung up. The fifth time he called, he again asked to speak to my boss, claiming to be "John from Hunt Real Estate" (it was obviously the same guy). I went ahead and transferred him, and he yelled at my boss demanding to speak to me, claiming it was a matter of Federal law. Oddly, when I demanded to know what this was about, he hung up on me! That's just weird -- going to all that trouble to get a hold of me, and then not talking to me... Anyway, this is simply unbelievable. Even if these people were legitimate debt collectors, that wouldn't give them the right to harass and lie like this!

229 is Jacqulyn Onello.  She is the biggest liar of the bunch.  Sad  thing is, her harrassment caused a guy to loose his job.  Guess thats one debt that won't get payed.

Thank you Public Defender for providing that phone number.  I have made a call and reported the
horrific experience that my family had with Jackie Onello at ext. 229.

ext, 229   Jackie Onello

Jackie Onello attempted to collect a debt from my step daughter yesterday and told she and her mother that my step-daughter's social security number had been stolen and used to obtain a mortgage.  Jackie Onello then called my step-daughter's mother and left a message stating that I was the one who had committed fraud and stole her Social Security Number.  When I spoke to Ms. Onello asking her why she had made such a crazy accusation, she swore that they were lying and she never told them anything like that and she didn't know where they got this information.  I was frantic, begging Ms. Onello to please allow me to prove to her that my mortgage was in my own name and the payments were debited from my bank account each month for the past decade.  This criminal was smug and was obvioulsy loving the fear that her words were creating.  My step-daughter, her mother and I have been beside ourselves with worry and concern.  Now, Ms. Onello will feel the same way as I have reported her to every government agency between my front door and Buffalo, New York.  
This Company may be a real debt collection agency, but it is staffed with criminals and liars who will be made accountable when the FCC comes knocking.  So, Ms. Onello, I guess you didn't know as much about me as you thought.

hi i have read you message and i found it extremely interesting i have got a phone call from them due to a bill that i have not paid.....they are threatening me with lawsuits and civil cases....what should i do? the bill was originally $300.00 now they want $964.00. Please advise

My mother received a call from a representative from Neiman, Roma, and Associates.  They claimed that I owed a large sum of money on a credit card that I opened years ago.  The credit card had a $300 limit and I have not received a bill or a phone call from them in years.  Unfortunately, the collector scared the crap out of my mother saying that I was going to be prosecuted for my debt and for writing a bad check, (which never happened), and she paid the amount before talking to me.  Anyone have any suggestions for recovering the money?

YOUTUBE HAS PLENTY OF HELP FOR COLLECTION CALLS THAT ARE HARRASSING LIKE THE ONES YOU RECIEVE FRORM NEIMAN, RONA, AND ASSOCIATES!!!

You got it! That is exactly right.. nothing more than a crooked collection agency and its full of crooked collectors. All of the good collectors left cause they don't want to put up with Stephanie Lowlife's b***s*** and pressuring them to work for free (commission that she is just going to steal and give to a f**k buddy, well.. one of them that she has working for her)

A debt is a debt but a collection agency full of "elite" collectors that dance around FDCPA is GOING to be shut down. and some people need to know that when they run around saying "if you want to bark with the big dogs, then you better be ready to piss in the tall grass" needs to take in concideration that just because owner is the owner*, doesn't mean that she is the big dog on the lot!  two things... its not the size of the dog in the fight, its the size of the fight in the dog and *Stephany Lowinger is not THE owner.. she is financially backed by a co-owner that probably has no idea that he made a bad investment to trust this crooked collector and there are a series of people that she has PISSED OFF that are fighting against her and are a stones throw from shutting her down. Funny... what goes around, comes around.

Though the comany is NOT a scam... the tactics are a bit unlawful.  Their morals are twice flushed down the toilet and simply ignorant to FDCPA regulations.  The fact is if they are calling you.. answer the phone and speak to them.. dont hide cause you are seriously only hurting yourself. Give them enough rope to hang themselves and they will.  Know your rights and you can fight back.. there is plenty of help on the internet in places like youtube.. (much more help that you will get form those lying b*****d lawyers that tell you that everything is illegal so you will call them to find out that you have no case) NRA IS a legit company but more often than not, if you know your rights, you will know how to defend yourself from NON-COMPLIANT collection calls!! (If you legitimatly have a debt, you are responsible to handle it regardless... but you don't deserve to be badgered once they get you on the phone)

Now Paid in Full, as a plant of the collection agency, you know that regardless of a debtor's situation, the FDCPA requires certain disclosures on a debt collection call, and that this agency is violating that quoted federal law eight ways 'til Sunday by pretending to be a law firm and threatening criminal action on a purely civil matter.

You should be figuring out a way to get a real job rather than working for these criminals, and stop pretending that your agency isn't doing anything wrong.

Thanks for the attempt; now go play in traffic

http://www.budhibbs.com/debt_collector.htm

The Debt Collector
Money Beggars
Liars, Lawyers,
Con-Men & Thieves

Who Seeks a Career as a Debt Collector?
The average debt collector is male, has a large ego, bounces from job to job, suffers low self-esteem and enjoys using the telephone as an instrument of empowerment.

You shouldn't be surprised to find most of them have great debt problems themselves. (Even though they post on complaint boards that they do not)

Collectors see themselves in a position to take advantage of those they deem weaker, in an effort to overcome their own insecurities.

They normally will talk-over any issues you may have, threaten and intimidate you, lie, misrepresent themselves, abuse, annoy and attempt to push you as far as they can.

only 2 out of 10 are honest and hard working.

The greater percentage are deadbeat scum either just out of, or heading back into a jail cell.  

Collecting is a male dominated business and because of the shortage of skilled workers, agencies are hiring anyone who can walk and chew gum to make their calls.

Social skills, education and career orientation are NOT normally the prerequisites for a debt collector ? money beggar position.


After all, a portion of what they collect from you becomes theirs.
You'll hear standard phrases such as: "what is your intent" or "I'm going to recommend that our client take immediate legal action against you."
The innocent unsuspecting consumer feels threatened, even terrorized by the antics of unscrupulous debt collectors.
The really bad ones will call you at work, violate third party disclosure, or worse, threaten you with arrest or wage garnishment if they don't have the money today!
They'll try to persuade you to pay off old debts using your new credit card, via Western Union wire transfers, bank drafting, debit checks and cash.  They will tell you your credit report will be clean if you just send them the $ MONEY$.
The National Consumer Law Center (NCLC) and the National Association of Consumer Advocates, (NACA) assist attorneys across the country in pursuing agencies and collectors who violate the law and your rights.
Collectors are learning that the phone name they use and the perceived anonymity of hiding behind a telephone can easily be overcome with today's modern technology and investigative techniques.

Some collectors are learning first-hand that they too, can be charged with making threats over the phone and that their employers don't provide bail money or legal representation.

Creditors are increasingly becoming less tolerant of agencies that allow abuse and will drop those that don't comply.
I urge you to complain about collector abuse by contacting the FTC, the American Collectors Association, the original creditor and your state bar association (against attorneys), or me if you feel your rights are being violated.

There is a nationwide group of professional consumer attorneys, skilled in debt collection laws that passionately defend the rights of consumers against these illegal collectors. No consumer should ever suffer abuse from a debt collector.

The laws WILL protect you!

FROM FDCPA
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.


the reason why they claimed to be police is because THEY CANNOT PROVE YOU OWE THE DEBT.

THE INTENT IS TO SCARE YOU INTO PAYING THEM - without them HAVING TO PROVE THE DEBT IS VALID AND OWED OR LET YOU DISPUTE IT AS THEY ARE REQUIRED TO BY LAW


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