FRED MCNAMEE OF FORT ERIE, ONTARIO CANADA - JUST A DEBT COLLECTOR. I BELIEVE IT WOULD BE A CRIMINAL OFFENCE BOTH IN CANADA AND THE UNITED STATES TO MISREPRESENT AS A PROCESS SERVER WHICH IS AN INDIVIDUAL WHOM MUST BE LICENSED TO BE SO. SOUNDS LIKE MORE FRAUD DEBORAH MALONEY AND HER GOONS ARE PERPETRATING.

I received a call from this number, but did not answer. They left a message claiming to be a law office and that they were trying to get in contact with my mom. I called the lady back and asked her to remove my number from the file, and she got rude with me saying that I wasn't trying to help my mom, and that she is trying to help her... blah blah blah. Ended up in a shouting match with this lady. It is my moms debt, not mine.  The point is is that they are RUDE PEOPLE. If this person calls me again, they are sure going to get an earful!

I had a call today from "a process server" who would not give his name, telephone number or address, but did give me a case number for a collection case ... a person made an application of some kind and gave me for a reference, without my knowledge or permission.  I stated that I did not know of that person and was not responsible.  He asked me to call "The Law Offices" direct at 1-888-261-4839 and obtain more information from "the people who want to serve a writ" for collection of a debt.   I called that number just to see what kind of response I got, it sounded like the same voice off the man who had just called me, and after getting no further information I told them to take my name off of whatever they had ... the man on the phone said his name was Fred McNamee and could not take my name off ... I said it had better be taken off and he told me to not talk to him in that manner, he was just doing his job.  I said that I was not responsible for whatever was going on, I made a suggestion that did not satisfy him, and I hung up the phone.  My phone rang  back immediately but I did not answer it, and upon checking the caller ID, it was listed as "Out of Area".   I am contacting my attorney and the local Credit Reporting Agencies.  If ;you can reply to my message with any further information, please reply.  Thank you

As for every business out there, regardless if there a debt collection company, check there vitals with the Provincial & State Collection Agencies Registration. Even on purchased debt, you must be licensed in those States or Provinces for which you call to collect monies. There are no ways to skirt around that as one must be licensed & bonded or registered in a State to collect monies. There is always a home base and registrations required where you collect.

The law offices are really no different, even if they purchased debt portfolio's! They must be official or forward it to an agency that is official to do it for them. As for fraud, unless your debt has not been retired from your credit rating as "PAID" you have fraud. Obtaining credit information while not being licensed, does not look good for the credit reporting companies. Regardless of a charged off debt, the debt must be recorded as PAID. If this is your case, then you have fraud. If they are not licensed and they call you, get there registration number. If your investigation reveals they are not licensed, put it in writing (If you can) and notify them that you are reporting them and that you will cc the authorities and they are prohibited to call you. You can always pay the creditor directly and your not obligated to pay the agency regardless what they say or tell you.

This is where charged off debt that is sold violates many collection laws and consumer laws. For you Ontario Consumers, the statutory law is two years from date of last payment. Anything over two years, there pooched. However, there is nothing stopping them from calling you or suing you. A smart consumer is an informed consumer. Companies should be prohibited to selling there charge offs and or be limited to the number of times a debt can be sold and re-sold. All or many U.S. Banks received bail out money and still benefited financially by selling portfolio's. Where is the line in the sand to stop corporates from sandbagging consumers. If they got there slates wiped clean, on behalf of tax payers, then they too should have the slate wiped clean. But not so, as this would take the tires off a number of industries. Your damned either way.

LAW ENFORCEMENT OFFICIALS IN BUFFALO, NY WITH BUFFALO REGIONAL OFFICE - FBI ARE INVESTIGATING EXTREME DEBT COLLECTOR HARASSMENT AND FRAUD AT THE REQUEST OF THE FEDERAL TRADE COMMISSION. ALLEGATIONS INVOLVING DEBORAH MALONEY, OF FORT ERIE, ONTARIO CANADA AND ALLEN PRUDENTE OF FORT ERIE, ONTARIO CANADA FOR EXTREME FDCPA AND STATE WIDE VIOLATIONS REGARDING DEBT COLLECTION PYRAMID SCHEME.

Sounds like they were looking for you. When they asked for HR they were just verifying Date Of termination, simple information.

This "Law Office" just called my place of business looking for a former co-worker and when I told them they no longer worked here they asked for the HR department....yes they were rude and I just suspected the call right away by their tone and intrusiveness and sent an e-mail to my HR dept. informing them of what they really are after looking them up online. Just fair warning that they try to get your work history, etc. info and will do it from whoever posing as whatever. I'd like to see some people brought to justice for this crap, like...oh...now, would be great.

Myself, brother, and mother have been receiving phone calls from "The Law Offices" regarding my sister.  I told them we have no idea where she is and they said she put us down as a reference for something in their file.  They told me they would take my name off the list.  We will see if this happens!!  I haven't spoken to my sister in two years, so I have no idea how they got our number.  she lives out of state!

The Law Offices detailed report is now available at:

http://consumerjustice.com/consumer/agencydetail.aspx?id=7751

The office is located @ 94 Jarvis Street, Fort Erie, Ontario Canada across the broder from Buffalo, New York...Click the below link to see the Canada office located in the former "Faith In Christ Fellowship"..

http://www.streetviewofhouse.com/?place=92+Ja ... %2C+Ontario&r=e

Owned and operated by Deborah Maloney (Canadian). She purchases her portfolios under the guise "Borela Investment Corp" or "Vision Asset Management Group". They purchase payday loan debts and attempt to collect unauthorized. When her "law office" debits your bank account - it will will reflect "Integrity Management Group" who is also party tp the criminal enterprise. You think they have an "authorization" department who allegedly records debtors consent for transactions...THIS IS A LIE. In fact, they transfer the call to a co-worker who ask to verify banking information. Call is NOT recorded or do they have an authorization department. This is a SCAM!!! Don't let these people steal your money. They will not sue you, in fact, they do not have verification of debt....

The Law Offices continues to operate its establishment in Fort Erie, Ontario Canada. The "shell" company being used is BORELA INVESTMENT GROUP in the state of New York. Once the FDCPA lawsuits begin, Deb Maloney will "dissolve" of this LLC to avoid paying out damages. She has learned these tricks of the trade from her prior involvement involving Doug MacKinnon and the aid of Terrence D McKelvey, Attorney at Law from Buffalo, New York. Deb Maloney is not even a US citizen, yet she operates an illegal "fly by night" law office in Canada, and represents she is located in New York. The employees at this "The Law Office" are nonetheless Canadian citizens claiming to be in the US and misrepresenting themselves as a Law Office. If you wish to make a complaint, you may do so with the Ontario Ministry of the Attorney General at the following link...

http://www.attorneygeneral.jus.gov.on.ca/english/

Violations are recorded against Deborah Maloney which may place her collection license at risk, therefore, will not be able to operate her "collection agency" or "law office". In Ontario, colection practices are regulated pursuant to The Collection Agencies Act. You may also file a complaint with The Law Society of Upper Canada at the following link...

http://www.lsuc.on.ca/about/a/contact/

If The Law Offices represents themselves as an actual "law office" then it would be regulated and licensed in Ontario with The Law Society of Upper Canada, which is equivalent to the US State Bars with regards to attorneys being licensed to practice law. File a complaint. Verify this company is not listed or bonded. They operate as "The Law Offices, Inc" in Canada.

Also, complaints can be filed with the RCMP Phone Busters (which is Canada's National Police Force) at the following link...

http://www.phonebusters.com/english/reportit.html

Debtors may also commence small claims legal action in Ontario against Deborah Maloney. You may visit the following link to do so.

http://www.attorneygeneral.jus.gov.on.ca/english/courts/scc/

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).

The Law Offices - a name synonymous with what we're termed Buffalo Style Collections. Deborah Maloney appears to have learned the ropes in collecting from her long time association with Doug and Greg MacKinnon, infamous for the failed Lenehan Law Office, Giove Law, The Law Center (Harry E Cohn), McKelvey Law Offices, PC, The Law Offices of Christopher Ranieri and the original rent-a-lawyer operation. Now....just The Law Offices???

"The Law Offices, Inc" and/or "DMG Consulting" (collection agency as licensed in the province of Ontario, CANADA) are engaged in especially egregious and threatening actions against consumers. Misrepresentation of a law firm. Threats of legal action. Document falsification. The investigation is ongoing and pending.

The federal Fair Debt Collection Practices Act and the New York State debt collection and consumer protection laws prohibit the following conduct: posing as an attorney, misrepresenting as a law office, threatening lawsuits or other legal action which cannot be taken, saying a consumer committed a crime or will be arrested, and talking with third parties except to get location information. The law further requires collection agencies to send a written notice within five days of initial communication with the consumer explaining how he or she can dispute the debt. If properly disputed, the collection agency must stop all collection attempts and send verification.

PROHIBITION AGAINST USING A NAME OTHER THAN THE NAME A COLLECTION AGENCY IS REGISTERED UNDER - Ontario Collection Agencies Act, R.S.O.

It is illegal for a collection agency (DMG Consulting) to communicate with a debtor (US consumers) using any name (The Law Offices) other than the name (DMG Consulting) under which the collection agency is registered. (Section 135)

Therefore, it is illegal for a collection agency employee to hold himself out as calling from the creditor, a law firm (The Law Offices), or some government agency.

The law binds attorneys and law firms who engage in the collection of debts and the collectors that work for them.

The Law Offices engage in the collection of debts. One recent scam involves sending mail from the United States in which they are actually prepared in Canada at 94 Jarvis Street., Fort Erie, Ontario CANADA.

The Law Office employees are sometimes quick to blur the line in collection activity. Calling your firm "The Law Office" doesn't make you a law office, especially if your business is exclusively collections. In Ontario, this collection agency is licensed as "DMG Consulting" under the name of Deborah Maloney.

They try to impress you with titles such as 'Head Legal Assistant to Attorney Smith', or use the most intimidation to force payment with such classics as, "the paperwork is ready to send to the courthouse for suit."

One of my favorites: "We don't have time to play games with you. Are you sending the money today or not?" They get their kicks convincing debtors that they have life and death power over them. Fear cannot be relieved by giving someone your bank account information. Don't let them use the phone as a weapon of terror.

You almost never allowed to speak with the attorney who sent you the letter because he is always "in court." You are told they never take calls from debtors. Well that's not correct. The law states that if an attorney places their name and/or letterhead on a collection notice or represents as a law office, and attorney MUST make themselves available to talk with you and they MUST have some knowledge of the debt. Don't be intimidated by these tactics. THEY CAN BE HELD ACCOUNTABLE UNDER THE LAW! If you feel that your rights are being abused by The Law Offices - a debt collection agency, file a complaint with your State Bar Association, the New York Attorney General Office, the Federal Trade Commission, the Ontario Ministry of The Attorney General, The Law Society of Upper Canada, The Registrar of Collections for Ontario.

The Law Offices a.k.a. DMG Consulting is where deception, craftiness, and deceit are rampant, you might imagine most honest people would seek work elsewhere.  And you're right. My experience says the average debt collector here 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.

What Techniques Do They Employ?

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 these unscrupulous debt collectors/Legal Assistants. 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! (Deborah Maloney & Allan Prudente) 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.  Surely there is a relative or two from whom you can borrow money to pay this bill.  They will tell you your credit report will be clean if you just send them the money.

I urge CONSUMERS to complain about collector abuse by contacting the Federal Trade Commision, the American Collectors Association, the New York Attorney General Office, The Ontario Ministry of the Attorney General, The Law Society of Upper Canada, The Registrar of Collections for Ontario, the original creditor and your state bar association (against attorneys) 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 this place.

The laws WILL protect you!

The Federal Trade Commission, the nation's consumer protection agency, collects complaints about companies, business practices, identity theft, and episodes of violence in the media.

Why: Your complaints can help us detect patterns of wrong-doing, and lead to investigations and prosecutions. The FTC enters all complaints it receives into Consumer Sentinel, a secure online database that is used by thousands of civil and criminal law enforcement authorities worldwide. The FTC does not resolve individual consumer complaints.

To file a complaint, click on thw following link: https://www.ftccomplaintassistant.gov/

ATTENTION US CONSUMERS!!!!

DO NOT ACCEPT ANY CORRESPONDANCE FROM THE FOLLOWING E-MAIL ADDRESSES:

Allan Prudente (allan.prudente@the-lawoffices.com)
Deborah Maloney (deborah.maloney@the-lawoffices.com)
Tammy Corey (tammy.cooke@the-lawoffices.com)
Fred McNamee (fred.mcnamee@the-lawoffices.com)

It is rumoured that The Law Offices/DMG Consulting is hitting a dead end in the road with collecting revenue from the worthless payday loans Deborah Maloney has been purchasing with her broker "Angela Burdoff" under the guise "Borela Investment Corp" and "Vision Asset Management Group, LLC". These collectors can barely collect dust or there thoughts...The revenue is not what she expected it to be. Who is she [Deborah Maloney] kidding, right? The Law Offices? Isn't the proper LICENSED entity called DMG Consulting under which the Ontario Collection License is registered? She continues her FRAUDULENT scheme known as "The Law Offices". Must be desperate....However, soon justice will prevail. Remember that justice will not be served until those who are unaffected are as outraged as those who are.

Barely making it. Wages are just barely being covered. Indebted to investors, indebted to Accurint, indebted to Experian. Indebted!!! No profit to be made from that place. Wait...SCAM OPERATION. Can't hit bonus with The Law Offices collecting on PATHETIC payday loans. There is no future there. Just those who are happy with there paycheque to paycheque routines. Soon, it'll all make sense...

Be advised...

Law firms are subject to strict codes of ethics and licensure in Canada. The Law Offices (DMG Consulting) does NOT meet the proper licensure requirements as per The Law Society of Upper Canada. According to The Law Society of Upper Canada - There is no US attorney licensed or bonded as an FLC (Foreign Legal Consultant) as required purusant to By-Law 14 under regulation or a Canadian Barrister/Solicitor associated with "The Law Offices". How would they then be considered a law office? ....

Coming SOON....The closure of The Law Offices. Can't operate without a collection agency license. Revocation of DMG Consulting collection license.

The Law Society of Upper Canada has IN FACT determined this collection agency/law office is in violation of both lawyer regulations pertaining to law firm ethics and practices and prohibited debt collection practices. These findings illustrate numerous violations both provincial and federal offenses and may be considered criminal with intent.

As per The Law Society of Upper Canada.....

"DMG Consulting of FORT ERIE, Ontario NO LONGER MEETS the licensing requirements pursuant to the provisions of The Ontario Collection Agencies Act, therefore, The Law Society of Upper Canada's findings will be directed to Brian Pitkins, Registrar of Collections to take into consideration the findings, therefore, revocation of license to operate as a collection agency."

If you would like to sue Deborah Maloney or her business "The Law Offices" in CANADA and require her personal home address (as she is never available at her business) to commence a lawsuit proceeding, visit http://www.budhibbs.com/ and navigate through the links listed on the site...Plenty of information available....

NYS Department of State
Division of Corporations
Entity Information
The information contained in this database is current through May 18, 2010.


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

Selected Entity Name: VISION ASSET MANAGEMENT GROUP, LLC
Selected Entity Status Information Current Entity Name: VISION ASSET MANAGEMENT GROUP, LLC
Initial DOS Filing Date: OCTOBER 09, 2008
County: NIAGARA
Jurisdiction: NEW YORK
Entity Type: DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status: ACTIVE  

Selected Entity Address Information DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
VISION ASSET MANAGEMENT GROUP, LLC
256 3RD ST. STE 31
NIAGARA FALLS, NEW YORK, 14304  
Registered Agent
NONE  

This office does not require or maintain information regarding the names and addresses of members or managers of nonprofessional limited liability companies. Professional limited liability companies must include the name(s) and address(es) of the original members, however this information is not recorded and only available by viewing the certificate.
*Stock Information# of Shares Type of Stock $ Value per Share
No Information Available  
*Stock information is applicable to domestic business corporations.
Name HistoryFiling Date Name Type Entity Name
OCT 09, 2008 Actual VISION ASSET MANAGEMENT GROUP, LLC

A Fictitious name must be used when the Actual name of a foreign entity is unavailable for use in New York State. The entity must use the fictitious name when conducting its activities or business in New York State.
NOTE: New York State does not issue organizational identification numbers.

About the Consumer Frauds Bureau

The Bureau of Consumer Frauds and Protection, part of the Economic Justice Division, prosecutes businesses and individuals engaged in fraudulent, misleading, deceptive or illegal trade practices. In addition to litigating, the Bureau mediates thousands of complaints each year from individual consumers. A large percentage of these complaints are resolved satisfactorily through the mediation process. As part of its mission, the Bureau provides information to consumers and seeks to ensure a fair and vigorous market place. The Bureau also drafts legislation and conducts studies and writes reports on emerging consumer problems and issues.

Consumer Helpline: 1-800-771-7755

The Law Offices continues to operate its establishment in Fort Erie, Ontario Canada. The "shell" company being used is BORELA INVESTMENT GROUP in the state of New York. Once the FDCPA lawsuits begin, Deb Maloney will "dissolve" of this LLC to avoid paying out damages. She has learned these tricks of the trade from her prior involvement involving Doug MacKinnon and the aid of Terrence D McKelvey, Attorney at Law from Buffalo, New York. Deb Maloney is not even a US citizen, yet she operates an illegal "fly by night" law office in Canada, and represents she is located in New York. The employees at this "The Law Office" are nonetheless Canadian citizens claiming to be in the US and misrepresenting themselves as a Law Office. If you wish to make a complaint, you may do so with the Ontario Ministry of the Attorney General at the following link...

http://www.attorneygeneral.jus.gov.on.ca/english/

Violations are recorded against Deborah Maloney which may place her collection license at risk, therefore, will not be able to operate her "collection agency" or "law office". In Ontario, colection practices are regulated pursuant to The Collection Agencies Act. You may also file a complaint with The Law Society of Upper Canada at the following link...

http://www.lsuc.on.ca/public/a/complaints/

If The Law Offices represents themselves as an actual "law office" then it would be regulated and licensed in Ontario with The Law Society of Upper Canada, which is equivalent to the US State Bars with regards to attorneys being licensed to practice law. File a complaint. Verify this company is not listed or bonded. They operate as "The Law Offices, Inc" in Canada.

Also, complaints can be filed with the RCMP Phone Busters (which is Canada's National Police Force) at the following link...

http://www.phonebusters.com/english/reportit.html

Debtors may also commence small claims legal action in Ontario against Deborah Maloney. You may visit the following link to do so.

http://www.attorneygeneral.jus.gov.on.ca/english/courts/scc/

GOOD NEWS......The Ontario Ministry of the Attorney General has confirmed that "The Law Offices" aka "The Law Offices, Inc" is not regulated as a law firm BUT rather a collection agency. In fact, was advised that the "entity" name of Collection Agency listed is "DMG Consulting".....Naming a collection agency "The Law Offices, Inc" is prohibited practice. The Collection License issued to Deborah Maloney-Gillespie. SIMPLY PUT. This will be released publicly on the Ontario Attorney General Website. They will be in contact with the New York State Attorney General Office to confirm the allegations and will conduct a mutual investigation. The Ontario Minstry of the Attorney General Office has inquired as to why this collection agency is operating as a "law office" and to that effect, gross negligence and perputrated FRAUD. This is an economic crime. Wire Fraud and Mail Fraud. Both in Canada and the U.S.A. Once an investigation has been completed, and if the facts reveal the allegations, an "ORDER FOR REVOCATION" will be administered by Registrar of Collection Agencies in Ontario. This means.....GAME OVER!!! I hope the employees are prepared for this.....Maybe when Deborah Maloney crosses into the U.S.A. they arrest her and prosecute her for felony fraud.....HEADS UP!! I guess dreams can be shattered..lol.....:)

You can make a complaint against Deborah Maloney and her operation known as "The Law Offices" located AT 94 Jarvis Street., Fort Erie, Ontario Canada L2A 2S4.

In Ontario, The Collection Agencies Act regulates debt collectors and their practice, regardless if they are collecting on debts from US consumers. You may make complaint and advise of the "misrepresentations" of this "collection agency" or "law office". Please review below:

Brian Pitkin, CD
Registrar of Collection Agencies
5775 Yonge Street, Suite 1500
Toronto, ON M7A 2E5
Fax: (416) 326-8665
E-mail: brian.pitkin@ontario.ca

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Got 2 calls from this number last night, same scam saying we owe money on payday loan from Aug 2007. I posted when they first called from 0135 and called the POLICE, and saw what the Atturney General said. This guy with a name that starts T can screw himself. Sorry for the language. My husband don't need the agravation, he sufferd heart failure last year. So if he has an heart attact due to an harrassing phone call we can charge charges.  Also google the 800 # 888-228-0291 he gave us. It's to a lock smith California. But answers Law office. We usually don't answer but did last night, husband got upset, then the person called my cell I ignored it. which is a big NO NO they only suppose to call one time.
Wow they just tried calling again. we investigated pass payday loans none were what he said.