The really hilarious thing about this, is they are calling for the person that had my phone number before me.  It's not even my debt!  The truly stupid thing about the callers, is they refuse to understand, I'm not the guy they are looking for. Well, they paid for their idiocy in court. I obtained a law firm, and prevailed.

More numbers to watch out for:
855-274-4960
877-795-2044

Did they say how much you owed?  Did they say that over time, the amount you owe has tripled?

Have they taken more out of your account than you agreed to?

stopnandg.blogspot.com

Did they send you a debt validation letter, proving that you owe this debt and to them?  By LAW, they must send via MAIL (not email or fax) a debt validation letter showing original creditor, date debt occurred, date of last payment and if they are legally entitled to collect said debt in your state.

If they did not send you proof that you owe this debt to them, I would call Kay Jewelers and find out if they sold your account to a collection agency.  Even if they did, they have violated the terms of the FDCPA by not sending you proof of debt.

If it turns out that Kay Jewelers did NOT sell your account to these people, you should call your bank immediately and let them know about this fraud.  You will need to close your account, and have your bank put a fraud alert on it.  You should also call the three credit agencies (Experian, Equifax and TransUnion) and have them put a fraud alert on your credit records.

So this N AND G CAPITAL is a scam i gave them my card number about a month ago and there taking out $300 a month. They said they were collecting for Kay jewlers. Is it a scam?

N & G CAPITAL LLC (Nichols & Grant LLC)
Address:
ANY AVAILABLE "THE UPS STORES" IN GREATER BUFFALO,NY. AREA

N & G CAPITAL LLC (Nichols & Grant LLC)
3843 UNION ROAD, SUITE 15
CHEEKTOWAGA, NEW YORK, 14425

716-362-8988
716-362-7839
888-472-5873

NYS Department of State
Division of Corporations
Entity Information
Current Entity Name: N & G CAPITAL LLC
DOS ID #: 4171875
Initial DOS Filing Date:     DECEMBER 02, 2011
County:     ERIE
Jurisdiction:     NEW YORK
Entity Type:     DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:     ACTIVE
Registered Agent
NONE

They sent you a letter?  By US Mail? Or email?

Funny how a president passes a law and not, you know, Congress, right?

They are not attorneys.  Nichols and Grant is not a law firm.  If there is a lawyer working at that place, I have yet to hear of him or her.  stopnandg.blogspot.com

There are several reasons to suspect this operation.  I list a few of them on my website.  With recordings of voicemails and research into their supposed address, which, funnily enough, keeps changing.

My readers would like to hear more about your experience.  stopnandg.blogspot.com

They are a mediator?  Where is their office physically located? What's an original debtor? Do you mean original creditor? Do you work for the company or are you someone who gave your bank account information to some strangers who called you on the phone?  If it's the latter, I recommend that you check your bank account/prepaid card/credit card -- however you paid these people.  

I also encourage anyone who can pay an outstanding debt to do so, provided that the debt collectors follow the law and respect consumers' rights.  

Who did you work with? How do you know your debt is really paid off?

When you think you may owe money, and a debt collector tells you you owe substantially more, you should really get the amount in writing from the person trying to collect the debt, including the amount from the original creditor and whatever terms of the agreement caused this number to grow so much,   If you already made an arrangement to pay them, I recommend you keep an eye on your bank account and also check your credit.

stopnandg,blogspot.com

Me too.

Haha It's funny the guy told me Obama passed a new law and this is how they collect debt.

I got called with the same information, it was very threatning phone call and they stated the same thing.  I noticed everyone had really generic easy to remember names Like Jim Jones and Jenny Smith and the letter the sent me was improperly phrased.  It sounds like BS but I did have to close my bank account for fear of them withdrawing my money.  I call Bull****.

No wonder you can't spell "legit" since you obviously don't know what it means.

Now it's back to the boiler room with you. Thanks for playing.

worst shill EVER!

This is a legite company.. They just worked with me to pay off a debt..I did a paper trail of my bill, and tracked it back right to them as the mediators.. I actually spoke with my original debtor-So if any of you have out  standing debt, then make arrangements to pay it. Go back to your original company an make good on what you owe..
They are not snakes. We incurred the debt, so we should pay it!

I was called about a week ago thought it was a scam not really telling me what i wanted to know. So today i got a call giving me more info so I called back .It all sounded good taking off 900.00 from a pass due credit card (Credit one Bank) Saying I had a balance of 2,278.98 down to 1338.98 if i paid so it would not go to court. Make a long story short i know i had a balance with the card from 2007. but not how much so i am having the money taken out next week . Now after reading everything is my debt being paid or not .this is a new york firm i am in California. ?

Nichols & Grant.  They said they were a law firm? They aren't. stopnandg.blogspot.com

See my blog at stopnandg.blogspot.com

The FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf treats the INITIAL CONTACT between collector and debtor (first call, first letter, first whatever) as a special event. Legit collectors per section 809 of the FDCPA *must* tell you at initial contact, or send you paperwork within 5 days of initial contact, the following:
1. $amount of debt,
2. name of the current creditor (which may differ from the original creditor who might have sold your debt),
3. a statement that that debt will be assumed to be valid unless you dispute in writing within 30 days,
4. a statement that that if you do dispute in writing within 30 days, the collector must mail you written verification of the debt,
5. a statement that if you ask the collector in writing within 30 days, the collector must send you the name and address of the original creditor if it's different from the current creditor.
If you don't get the 5 disclosures, orally or in writing (you do not have to ask for them, the FDCPA requires collectors to provide them), treat the collector like you would any SCAMMER.
Note that 3,4,5 must be done *IN WRITING* so you will need to ask an address from your collector. If s/he refuses to give you one for any reason, treat the collector like a SCAMMER.
The collector can threaten court action at initial contact but the FDCPA requires that the collector actually take you to court if the collector threatens it. Threatening court and not going through with it (coercion) is illegal.
If they say the FDCPA does not apply to them because they own your debt, the debt-owner exemption only applies to the original owner. A 3rd party who buys the debt for the purpose of collecting debt is treated as a debt collector and not an owner and must obey the FDCPA as explained in this FTC Staff Opinion letter here http://www.ftc.gov/os/statutes/fdcpa/letters/arbuckle.htm
Has the statute of limitations for your state http://www.fair-debt-collection.com/SOL-by-State.html expired on your debt? If expired, don't pay.
Collectors generally have to be licensed by your state to practise (collect debt) in your state and you can find out by calling your state Attorney Generals Office. Ask if a license is required and does this collector have one. If not licensed, don't pay and file a complaint with your state AG.
Read useful debt-collection FAQs from the FTC here http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
The debt collection process explained in plain English http://www.consumeraffairs.com/debt/fdcpa.html
Be aware that scammers are using bought/hacked/phished loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The FBI warns again http://www.fbi.gov/news/pressrel/press-releas ... nt-payday-loans
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG http://www.naag.org/current-attorneys-general.php as appropriate.

They are threating me with Bank Fraud on a paidday loan 3 yrs old saying i was like the 47% Mitt Romney said was sucking off the United States that theywere attorneys & also with the texas attorneys board they will show up at my work or take my bank account that I will be charged with Fraud

They are calling me threaten me as well that I commited bank fraud & said I was one of the 47% Mitt Romney was talking about sucking off of the United States What can we do they have been harrassing me since Aug of this year saying there are with the Texas board of attorneys. they lie like mitt Romney does

I have been called and harrased by these people several times. They have threatened me with jail, etc... I am a fully disabled home-bound woman.

This guy calling me from this unknow ph leaves me a massage that you stole money and you will be deported from United States  in the voicemail he leaves  a phone number 1877-829-5564 accusing me of some kind of stuff now I herd lots of things about this guy calling and treating them.

did anything every come of this?

these same people called me talking about a summons and if i didnt pay it today or end of month arrangements i would have any accounts in my name frozen for 6 to 8 weeks and all this other stuff...ive never heard of anything like tht.i thought only a judge could issue such and also a judgement.i contacted the bank of the so called money owed to speak with collections and they were closed.i will be calling first thing is morning...threatening people is absolutely not accepted in any form.its sad how us and cosumers ifo,get out to fraudulent debt collectors and the ppl who work there or dont anymore take ppl money.if i owed a bank anything ima go inside bank and personally pay them or demand to see my states court papers and so forth.

they called my place of employment and gave personal information to a unknow random person who work at my job they threaten to lock me up felony arrest & if they are not contacted within 30 mins they will send a some one to arrest me at my job.  When i made contact withthem they were rude & they stated you should be glad we are not going to arrest you they harassed me for my credit card account number and they said they will cancel the felony warrant for my arrest. they stated I owe 750 when I demanded to speak to Mr. Powers superviser he stated do you want to file a complaint they are going to laugh at you when you do he is the Processor - Server he has the right to arrest you, you have no complaint. 10 mins later he called my place of employment again & stated (laughing) do you want to file a complaint? I called to ask for a leagl address & infomation I was transfered two times before emailing me a letter