Get over yourself I Pay My Bills  you low life and get a real job stop trying to scam people. They day the catch you i will be in court laughing my A-- off. karma is a B---H. Please DO NOT pay these people they are scammer's. Know your right's under the fair debt Collection Practices Act. Report them to the FTC and BBB you can do both on-line and it only take a few minutes of your time.

I have posted the links I meant.

Hey Scam Buster thanks for posting this I have posted on every site that I could find that mention these creeps. Wow you are right what a tool.

Hi everyone. Please read this

http://florida.arrests.org/Arrests/Joseph_Marzulli_2701656/

or this

http://articles.philly.com/1998-12-02/news/25 ... is-motel-camden


Our man Joe is a cokehead and a wanna be gangster two-bit thief. Love his social network pages.."I like any mob movie".......Hahaha  What a tool.

That's real mature!

Here's an idea...pay your bills and you won't get calls

They got $45.00 off of a money card that I didnt authorize. Also their number is disconnected. It appears that they will get my money but the card is now cancelled. Any time anybody that is not AMERICAN sounding be careful. I suggest that you tell them to give you a number to call them back on. A lot of times if you call the number you were just called on, it is out of service or disconnected. The threats of law and court are so b***s***. If it is a valid bill and crime they willl send a sumons to go to court but do not hold your breath waiting for it.

I have called everyday for the last 5 days asking to speak to the attorney on retainer and everytime I am hung up on.. But I did find out the calls became less frequent when I said I wanted the information to give to my attorney.. Once you have stated you have retained legal counsel regarding the matter they are no longer allowed by law to speak with you regarding the matter only your attorney..

You shut up you coward.  Can't even say your real name.  Since you can't I will how about piece of crap scumbag. Leave these people alone. Your probably one of the dirty bags they ate referring to anyway

I rec a call from 888-908-4590 ext 665 Chris Hawkins and Jack Simmons. Chris stated I had an oustanding balance with a 2004 issue with a pizza company. I spoke with Jack, he told me I needed to get a payday loan to take care of the balance. Jack also stated he was taking my case to the county court house and I will be picked up and taken to jail! Jack kept saying over and over he is trying to keep me out of jail. He wanted $230.00 up front to keep me from going to jail. I informed both of them I took care of the balance back in 2004. I called the company where I owed money, they made a case number and called the number, I rec a call from the CEO of the company stating they are sorry this has happened, we do show you took care of this in 2004. I even called the bank I was with at the time, they also stated this number is a SCAM!! I havent rec any more calls from this number! DO NOT PAY THIS COMPANY!!

you're an idiot

Do what I have done, report them to your attorney general and the BBB.  They will take care of it.  Do not answer their calls.  They threaten and if they really hurt you with word, go to your legal aid and sue them.  Good luck.

I called and requested a letter and was told they will not send a letter out...I then told them not to call me again.  I spoke with an Erin Lamb (???) and she stated they are an attorney in New York not a collection agency (untrue).  I asked for their mailing address and they refused to give it to me.  I looked them up on the internet and they are a collection agency for CashNetUSA which I never got a loan from personally.  Their address in New York is 908 Niagara Falls Blvd #230, N Tonawand, NY 14126.  They are trying to collect for an online payday loans so you may want to look up your laws in your state.  It maybe illegal for them to do anything and report them to FTC

I received a call today, 11/22/2011 from a lady name Kathryn P on behalf of M Callahan and Associates stating on my voicemail  that I have a civil case that has been brought against me for a payday loan. She gave a claim# of 115153 and said this has been filed agains my ss#, name and DL# and I need to call them back with in 24 hrs to take care or make restitution on this matter. The # to call back was 1-866-402-4043. Well when I called back I got a lady name Dina. I asked Dina what was this about and she told me. I asked did the financiall institute who i borrowed from sell them my acct; she said they received my account from NCA, another company at 888-768-0764. (This # was a bogus # when I called it. It's a # to a meet me company.) I asked her was M Callahn and Assoc a debt collection agency; she asked if I could hold on. Why she put a supervisor name Melissa on the phone. I asked Melissa why was she speaking to me and I didnt request for a spv. She tried to make me pay or set up payment arrangements to pay and when I asked her were they a collection agency she responded with "we are a 3rd party something, something, something." I said oh you are just a collection agency; I've read about you all on the internet. I hung up. they gave me a bogus # to NCA and they did not want me to know that they were a collection agency if theyy are that at all.

I also got a call from these people threatening me with several different counts that will be filed in Court.  They were very rude and they said I wrote 2 bad checks with malicious intent, whatever that means.  That's very interesting since I don't even have a checking account, only a savings.

Anyway I did not appreciate getting this type of call at work.  Isn't that against the law!!!???

Just wondering.

I got a message yesterday saying my husband had 2 check fraud charges on him and he needed to call immediately to have this taken care. The man's name I spoke with was Adam Smith. How original..The guy who answers the number was Bret or Brad Owen. I called the payday loan they said I owed and they told me I didn't owe on this. It was paid up. Then she took his name and number he called from. It is a scam. They need to be sent to prison for this...

SCAM..dispute the charges with your credita card company.

An attorney can also give free legal advice as well...These people are scamming people out of their money. DO NOT PAY THEM ANYTHING!!!!!

God is so good.. I prayed about wondered about M. MCallahan and Associates. They are rude nasty, ignorant and dirty. They called me using a fake (court) case #, like CV??? trying to scare me. I went to school for Paralegal and I have reasearched this company high and low. I have read a lot of ugly things about theses SCAMMERS..They wanted me to send $400.00 and the rest in two weeks...lol..I was too smart for that.

God gave me wisdom on what to do and I spoke to a gentleman at a debt consolidation company and he emailed me two letters to work with any company to pay them off myself. (the letters helps avoid late fees and extra charge).

You can also sent letters to the credit beureau to get things deleted from your credit report.

We can tell you don't owe anyone, never have and never will.  Let us know if you become human.

I have read some of the complaints associated with M. Callahan & Associates.  I find it very hard to believe that a debt collector is allowed to collect debts using such tactics and unfair practices.  Are these real experiences?  Unbelieveable!!!  Has anyone dealt with this debt collector by involving Federal Trade Commission's Fair Debt Collection Practices Act?

At any rate, I also got the call from M. Callahan & Assoc.  The message that was left on my phone appeared as though someone else or I could have been involved in an illegal, fraudulent act.  Scared the living daylight out of me. They even went as far as to mention FBI, Affidavit, contact an attorney, kind of crap.   I must admit that kind of message will get you to return their call at least.  When I finally got around to returning the call, the person made it seem as though I needed an attorney for this matter.  The more we talked, the more I realized this is a debt collector.  They never identified themselves as debt collectors.  First mistake.   I asked the person if she was a debt collector.  The person said, "No." Second mistake.   I just went online to find out more about M. Callahan & Associates and "What do you know?" They are just that - debt collectors.  I would recommend to any debtor to become familiar with the Fair Debt Collection Practices Act -- IT WORKS!

I RECEIVED A CALL AT MY WORK WHICH IS A GOVERNMENT AGENCY. THE GUY CALLING WAS CHARLES MONTGOMERY AND SAID HE WAS FROM M. CALLAHAN AND ASSOCIATES. I PLACED HIM ON HOLD WHILE I RESEARCHED THE COMPANY AND FOUND THEM TO BE A SCAM. WHEN I CAME BACK TO THE LINE I ASKED MR. MONTGOMERY IF THE COMPANY WAS BASED IN NEW YORK AND HE GOT ANGRY AND HUNG UP THE PHONE. I REPORTED THEM TO CASHNET USA.

Please be aware that:

1) No collection agency has the ability to suspend your driver's license, "report you to the DMV" or anything else.  Threatening to do so is illegal, and you can sue them in small claims court for each violation under the Fair Debt Collection Act -- $1,000 per violation.  Be sure to note the time of the call and the threat, and then file a suit in your local small claims court, naming them as the violators, with each violation.

2) No collection agency has the ability to "have you arrested for fraud" for failing to pay a debt (or an alleged debt).  Stating this is also illegal and a violation of the Fair Debt Collection Act -- $1,000 per violation.

3) No collection agency may harass your family, neighbors, or employers.  Violation of this law with intent is a violation of several laws, including the FDCA and the Telephone Consumer Protection Act.  You can sue in small claims court for each violation, as can your families, friends and other individuals harassed by the unethical collection agent.

It sounds like this company, in particular, is playing nasty and using people's lack of knowledge about the system to violate their rights.  Don't take it.  Get educated on the law, haul them into court, allow them to explain their thuggish and illegal behavior to the judge, and then pocket thousands of dollars in judgments that they'll be ordered to pay.  It's the only way to stop their illegal behavior.

They called me at my job harassing me about a loan I don't think I even applied for

This company also calls from (302) 342-9600.  M Callahan & Associates.

Welcome to BARCLAY HOUSE OF LOAN PLC we offer loan to people on bad credit,home improvement loan, personal and business loan, student looking for financial help and to companies etc with a very low interest rate and with or without collateral. any interested one should contact us via email barclayhouseofloan@hotmail.com with the following information,please complete and summit the information below;
*******************************************************
Borrower's Information
full name:
country:
address:
age:
0ccupation:
marital status:
place of work:
sex:
Telephone:
mobile Phone number:
monthly Income:
amount needed in EUR or USD:
purpose of Loan:
Loan duration:
how Urgent do you need the loan:
********************************
EMAIL barclayhouseofloan@hotmail.com

They called my job threatening me I called the number they gave me now no one will answer the phone. What should I do.

I work for a bankruptcy attorney and will have my paralegal degree soon.  So, when I say I have heard these types of stories before, I am not exaggerating.  This company has also called my cell phone.  The first thing they said is untrue.  My cell # is from a different state than where I live, and they are trying to tell me that complaints have been filed with a court in that state.  This cannot happen.  Complaints cannot be filed in a state or county where you do not live or did not live there when the debt supposedly occurred.  

When trying to collect a debt, no one is allowed to obtain your Social Security number or Driver's License number without a case already having been filed in court against you, and even then it would be in writing from an attorney's office, called an interogatory.

I believe this company to be a scam.  If you are able to speak to anyone there, call their bluff.  Tell them that you intend to file bankruptcy.  Ask them for their mailing address so that you can send them notice.  I would be willing to bet they hang up or try to tell you that the debt cannot be discharged in bankruptcy.  While there are a few types of debt that cannot be discharged in bankruptcy, they are along the lines of certain tax debt, student loans, alimony and child support.

I already sent these guys money - what can I do now?

I spoke to a lawyer for M. Calahan & Associates today.  She said I owe Impact Cash  $530 but they will settle for $397.50.  I gave them my credit card information.  they are suppose to deduct it on July 22, 2011.  Is this a scam or what.