it is advanced credit recovery.

Tony Demeco,trying to contact Angla Gonzalas,saying she has bad check,and that to consider this as her notice and gives a case # and some other BS,I'm not this person they are looking for and have had this same phone # for several years now,but have found out someone has been giving my number out as there own! Have already made a report against another company for same thing,and those calls have stopped and even recived a letter giving me all info i had given to report cash usa,which I have never had aloan with ,but someone was using my phone # and address,and in the letter they gave me a Ref.# so that if they start again.I Belive in filing reports against these idiots,who dont listen when you tell them you are not the person they are lookin for!!

I have filed a complaint in TX with Attorney General and Secretary of State.  They do not follow our laws and I have had it.  The real address is:

Advanced Credit Recovery
2423 Hyde Park Blvd
Niagra Falls, NY 14305

The law states they cannot contact you at your place of employment after being told to desist.  They do not follow the law.  I also have asked for proof of debt.  They ignore the request.

An automated recording keeps calling my cell phone, and says this message is meant for "ronald regan".  First of all, I doubt Pres. Regan ever had my phone number and second, he passed away some time ago.  I've tried calling the number back to let them know that I would appreciate it if they would stop calling me but I get a message that the number can not be completed as dialed.  Strangely enough I just pressed redial so it should go thru.  How do I get them to stop.  They call nearly every day.  Its very frustrating!!!

these idiots keep calling me ive told them numerous times to stop but Nooo they still keep calling..ive had it with them.

Report the abuse to the Attorney General for your state.

they have been calling me autimated a civil matter a case # and a friend I do knows name! Felt like it was fraud to me not sure??????

IF THESE SOBS EVER CALL ME AGAIN I WILL SUE THERE PANTS OFF. IVE TOLD THEM 4 TO 5 TIMES STOP CALLING THE WRONG NUMBER.  I AM REMEMBERING THAT I HAVE RIGHT TO CONSTITUTIONAL RIGHTS AND I WILL USE THEM!  HARASSMENT IS A B***H ISNT IT?

i also keep getting calls, i dont wanaa call them back . WHOARETHESEPEOPLE?

I keep getting calls from this number at my house. They say this is a civil matter and to refer to a case number. The man gave his name as Jason Roberts. If I were to call anyone as much as these people are calling others I would be looking at an agg harassment charge. How are these people able to get away with this constant annoyance?

Some a**hole named Bill Stewart keeps calling from that number and i told him he has the wrong number but he keeps calling, How do I report him?

Received a call from 888-729-7718 for the first time last night 3/4/10. The message said that this is a civil matter and gave a case number for me to refer to when I call. Don't know who they are but I see there have been complaints about them.

So they are a debt collector? Calling for what? It was an automated voice.

Keep getting these calls 3-4 times daily -Not the right number - VERY RUDE

I keep getting calls from this number.....the people are very rude and when I try and explain things to them they don't want to hear it.....

I keep getting phone calls from that number.

Forgot to mention, this time this man that goes by the name Jason Roberts said the company he was calling from was ACR. Whatever that is?

If you are being harassed by collection agencies we may be able to help. There are statutes that regulate methods collection agencies can use in attempting to collect debts. Some of these statutes allow consumers to recover damages, have part or all of their debt forgiven, and even recover attorney's fees. For more information contact Jeremy Kespohl in the Jacksonville Beach, Florida office at jeremy@bromagenlaw.com or (904) 242-0860

They are trying to collect past debts so old they know perfectly well they cannot legally collect on them. I sent them a certified letter saying do NOT contact me ever again. That stopped the phone calls. I also reported them to the Federal Trade Commission. You can too:

https://www.ftccomplaintassistant.gov/

I too have gotten numerous calls and voicemails from this company ACR. I have done some research and found this company now has address in Amherst, NY with website www.acrnf.com stating "Our staff is extensively trained on all facets of the FDCPA so you can be assured your accounts are being collected using the utmost integrity at all times".  This is obviously a lie as clearly thru multiple complaints thru multiple websites they do not respect the regulations of FDCPA!  If you get a call from this company report to BBB and send them a Debt Validation Request Letter immediately. I am mailing mine out tomorrow and will update if and/or when I get a response.

I have determined they are scammers. The have been calling me for months. They break the law as I have told them repeatedly not to call my office. They call both my office and my cell at the same time. They claim the debt they are trying to collect is from a payroll advance made by direct deposit to an Account at Washington Mutual in October 2009. They claim I lived at an address I have not lived in for 5 years, in a town I have not lived in for 2 years. I also do not have and never have had an account at Washington Mutual. Furthemore, Washington Mutual was merged with Chase in March of 2008. I have never recieved that money.  I have filed with the Texas Attorney General Repeatedly.  I am now hiring an Attorney and will sue these b*****ds.

Advanced Credit Recovery
2423 Hyde Park Blvd
Niagra Falls, NY 14305

They also have an office in Amherst NY.  Their website is www.acrnf.com.

IF THESE SOBS EVER CALL ME AGAIN I WILL SUE THERE PANTS OFF. IVE TOLD THEM 4 TO 5 TIMES STOP CALLING THE WRONG NUMBER.  I AM REMEMBERING THAT I HAVE RIGHT TO CONSTITUTIONAL RIGHTS AND I WILL USE THEM!  HARASSMENT IS A BI*** ISNT IT?

Advanced Recovery Services, LLC
James A. Seibel ? Managing Partner
PO Box 51054
Phoenix, Arizona  85076-1054
Telephone: 480-706-8759
Facsimile: 480-706-0937

http://advancedrecoveryservices.com/index.html

Est. 2000, Advanced Recovery Services is a commercial debt collection and ARM company.  "Staff has over 40 years of experience working as Credit & Collection Managers for Fortune 500 Co. [?] We know 'what buttons to push', and what internet links to research, when trying to extract money from your debtors."

ARS claims to be a licensed and bonded collection agency that allegedly ?operates within the laws applicable to each state.?  Though unverified, they claim to be member of the following organizations:

International Association of Commercial Collectors, Inc (IACCA): (Would not verify membership)
IACCA
C/O Mt. Olivet Conference Center
Jimmy Huffman, IACCA President
7984 - 257th Street, West
Farmington, MN  55024-9243
Phone: (952) 469-2177
Fax: (952) 469-5564
Website: http://www.iacca.org/Home.html

Westlaw: (Did not find any member Advanced Recovery Services, LLC, nor do they contract with them.)
West Headquarters
A Thompson Reuters Company
610 Opperman Drive
Eagan, MN  55123-1340
Telephone:    800-328-4880; 800-344-5008
    651-687-7000
Website: http://west.thomson.com/westlaw/default.aspx?promcode=600834F69899

Tracers Information Specialists, Inc.: (Would not verify membership)
4538 Commercial Way
Spring Hill, Florida  34606-1957
Main:        Primary Fax Numbers:
(877) 723-2689    (877) 723-2691 (Main)
        (877) 820-8126 (Accounting)
Sales:        (877) 820-8125 (Compliance)
(877) 592-8511    (877) 597-7274 (Sales)
Website: http://tracersinfo.com/

Experian Information Solutions, Inc.: (Would not verify membership)
475 Anton Boulevard
Costa Mesa, CA  92626-7037
Telephone:    714-830-7000
Website: http://www.experian.com/

They claim to have major clients "in the aerospace industry, computer technology, office products and supplies, equipment financing, and computer software."  Note: No details provided to verify.

Their (his) Mission Statement:  ?[T]o provide outstanding quality service and to produce the highest collection and recovery rates in the industry for our clients.?

Here?s a quote from their web site:?Collection Process
We expect all debtors to engage with us in a timely manner.  Either they own up to the debt and make payment arrangements, Or we Sue them.  We don?t waste time with numerous letters and phone calls.  It is in our best interest, and also for our clients, to work a case until it is collected or we are convinced they are out-of-business, or bankrupt.?

Notice their PROFESSIONAL tactics:  ?Either they own up to the debt and make payment arrangements, Or we Sue them.?  A good attorney will shut them up real fast!  Also, if they are harassing you (i.e. multiple calls in the same day, calling outside the LEGAL time window [yes they will!] contacting you at your place of employment, leaving threatening messages or giving information to someone other than you. . . find useful information here: http://www.ftc.gov/os/statutes/fcra/index.shtm  Don?t be a VICTIM, know your RIGHTS!

Note: They cannot spell, lots of spelling and grammatical errors on their so called PROFESSIONAL site.

Is there a way to make it stop? They are driving me crazy. I have changed my phone number and they continue to call. I am too young for credit problems. This RIDICULOUS.

I continue to receive calls on my personal cell phone from this number intended for a former coworker of mine who quit/moved away 4 months ago!  I have told them to stop calling me, but they continue.

Some a***ole named Bill Stewart keeps calling from that number and i told him he has the wrong number but he keeps calling, How do I report him?

http://www.budhibbs.com/collectorpages/empire_recovery.htm
Advanced Credit CollectionsAka/Empire Recovery Group

Aka/ North American Asset Recovery
Aka/ Attorney Jason J. Cafarella
AKA/ Attorney Rodney A. Giove
(New York Corporations)




Giove Exposed

2423 Hyde Park Blvd.
Niagara Falls, NY 14305
Phone: 800-965-3810   716-298-5164
Fax: 716-298-9750


MAY BE BANKRUPT  CAUTION!  CAUTION!

Before you pay them any money read this:
http://www.budhibbs.com/consumer_news.htm#UNISTATES_Credit_Agency_



Head Debt Collectors:
Vincent C. Bianco, Debt Collector

Anthony LaGambina, Debt Collector
Rodney A. Giove, Attorney NYS Bar#4011730
Jason J. Cafarella, Attorney, NYS Bar#4326062

(This guy is a NY politician -  see Giove Exposed)
http://www.budhibbs.com/giove/


--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Part of the consortium of America's Worst Collectors.

The names change in Buffalo every time it snows or a new judgment hits the courts, so it's easiest to track them by the current rent-a-lawyer. Visit Giove Exposed for the latest.


CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


ATTORNEY'S GIOVE AND CARAFELLA  BOTH SUED BY NY AG FOR USING KNOWN SEWER SERVICE - TO GUARANTEE NO-SHOWS AND DEFAULT JUDGEMENTS

NY AG Throws Out 100,000 Default Judgments Against Consumers!
« on: July 22, 2009, 10:23:57 am »
ATTORNEY GENERAL CUOMO SUES TO THROW OUT OVER 100,000 FAULTY JUDGMENTS ENTERED AGAINST NEW YORK CONSUMERS IN NEXT STAGE OF DEBT COLLECTION INVESTIGATION

http://www.oag.state.ny.us/media_center/2009/july/pdfs/5015%20Suit.pdf

37 Law Firms and Collectors Named in Lawsuit for Failing to Properly Notify New Yorkers Being Sued for Owing Debt

Cuomo Seeks to Vacate Over 100,000 Faulty Judgments Statewide and Provide Restitution to Victims

New York, NY (July 22, 2009) - Attorney General Andrew M. Cuomo today announced his office has sued 35 law firms and two debt collectors in New York State in order to throw out an estimated 100,000 default judgments improperly obtained against New York consumers. This is the latest action in Cuomo?s ongoing investigation into unlawful debt collection practices.

According to the lawsuit filed yesterday in New York State Supreme Court, Erie County, the companies relied on a Long Island company, American Legal Process (ALP), to notify New York consumers that they faced debt-related lawsuits. ALP, however, failed to properly serve consumers across the state with legal papers, causing thousands to unknowingly default and have costly judgments entered against them without the chance to respond or defend themselves. In April of this year, Cuomo?s Office announced criminal and civil cases against ALP and its owner, William Singler, for this fraudulent business scheme.

Today?s lawsuit is an effort to provide relief to the thousands of consumers facing costly default judgments as a result of ALP?s unlawful practices. The suit asks the court to vacate all default judgments secured against New York consumers in cases in which the firms (1) used ALP to serve legal process in commencing a lawsuit, and (2) the firms are unable to provide the court with any evidence, other than ALP?s affidavit, that proper legal service was made.

?Our legal system is defined by due process and the guarantee that every New Yorker will get the chance to defend his or herself in court,? said Attorney General Cuomo. ?ALP?s scheme undermined the foundation of this system and denied thousands of individuals their day in court. Today?s lawsuit is a key step in our efforts to uproot unlawful debt collection practices and undo the considerable harm they inflict on New York consumers.?

ALP, as a legal process server, was hired by high-volume debt collection law firms in New York to serve legal papers, usually a summons and complaint, notifying individuals that they are being sued and must answer the complaint. ALP, however, allegedly engaged in ?sewer service,? where process servers take advantage of individuals facing lawsuits by failing to properly alert them and denying them the chance to respond. As a result, tens of thousands of judgments were obtained against unsuspecting New Yorkers, many of whom first learned they were being sued when they found their bank accounts frozen or their wages garnished. ALP covered up the fraud by falsifying sworn affidavits of service in courts across New York.

The law firms and debt collectors sued today then used these false affidavits to obtain default judgments against NY consumers. Between January 2007 and October 2008, these law firms and debt collectors filed more than 100,000 lawsuits in every county in New York State, with the vast majority of the suits being debt collection actions. In a large percentage of the cases sampled and analyzed, the defendants never answered the lawsuit and the law firms sought and obtained default judgments from the courts. In seeking the default judgments, the firms made use of ALP?s fraudulent affidavits that claimed that the individual defendants had been given proper legal notice of the suits.

To rectify ALP?s widespread fraud on New York?s courts and consumers, today?s lawsuit, filed on behalf of the Honorable Ann Pfau, Chief Administrative Judge of the New York State Unified Court System, invokes the broad remedial powers granted to New York?s administrative judges to correct improperly obtained default judgments. In addition to seeking to vacate all of the default judgments where the sole evidence that the defendant received notice of the suit is an ALP affidavit, today?s lawsuit asks the court to order the law firms and debt collectors to:

   * Inform the New York State Unified Court System of each actions in which they used ALP to serve legal process and in which a default judgment was granted;
   * Notify all the parties in those actions of the existence of this lawsuit and their right to be heard; and
   * Notify the court of amount of any default judgments taken in any of the relevant actions, as well as whether the debtor paid any amount to satisfy the default judgment.

Additionally, where a default judgment is ultimately vacated, today?s suit asks the court to direct that proper restitution be made to any debtor who made payment on an improperly obtained default judgment. The Attorney General?s Office estimates that the average default judgment totaled approximately $5, 474.

Carolyn Coffey, an attorney with MFY Legal Services, a nonprofit provider of free legal services in New York, said: ?Over and over again we see hundreds of the most vulnerable New Yorkers -- the elderly, disabled, and working poor -- blindsided by default judgments in lawsuits that they never even knew about until after the cases were over. Our justice system is built on the basic premise that everyone has a right to be heard in court before a judgment can be entered against them, and the debt collection law firms that engage in sewer service deny New Yorkers this fundamental right. MFY commends Attorney General Cuomo for taking these steps to remedy the devastating effects of sewer service, and for sending the message to debt collection law firms that they must comply with the most basic requirements of due process.?

The law firms and debt collectors named in today?s suit are:
Forster & Garbus;
Sharinn and Lipshie;
Kirschenbaum & Phillips, P.C.;
Solomon and Solomon, P.C;
Goldman & Warshaw, P.C.;
Eltman Eltman and Cooper;
Eric M. Berman, P.C.;
Stephen Einstein & Associates, P.C.;
Fabiano and Associates;
Jones Jones Larkin O?Connell;
Panteris & Panteris, LLP;
Zwicker and Associates;
Relin, Goldstein & Crane;
Woods Oviatt Gilman;
Leschack & Grodesnky;
Hayt Hayt & Landau;
Pressler & Pressler;
Jaffe & Asher;
Mullen & Iannarone;
Arnold A. Arpino & Associates;
Houslanger & Associates;
Mann Bracken, LLC;
Smith Carroad Levy & Finkel;
McNamee, Lochner Titus & Williams;
Thomas Law Office;
Fleck, Fleck & Fleck;
Eric Ostrager;
Cohen & Slamowitz, LLP;
Cullen and Dykman LLP;
Winston & Winston, P.C.;
Cooper Erving & Savage, LLP;
Robert P. Rothman, P.C;
Gerald D. DeSantis;
Greater Niagara Holdings, LLC;
Rodney A. Giove;
Advanced Litigation Services, LLC;
and Jason L. Cafarella.

Attorney General Cuomo also announced that as part of his ongoing investigation into fraudulent process servers and debt collectors, his Office is determining which other law firms statewide relied on ALP to serve legal process on New Yorkers facing lawsuits. More than 20 such firms have been identified to date and his Office is notifying those firms of its intent to seek to vacate any default judgments those firms have obtained based on ALP affidavits of service.

This civil lawsuit and investigation is being handled by Assistant Attorney General James Morrissey and Assistant Attorney General Nathan Reilly, in conjunction with Dennis Donnelly, George Danyluk, Aric Andrejko and Dan Johnson of the Internal Audit Unit of the New York State Unified Court System.


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

Advanced Credit Recovery, Inc.
6000 N. Bailey Ave.
Suite 1E
Amherst, NY 14226

Threating