716-312-0828
NY, US
Wendi
Wendi
2011-06-06 20:55:30
Unknown
They called and asked my daughter if Mrs. Hilton was there... she got me. The lady asked if I was Mrs. H. and I said Yes. Then she asked if I was Robert H.'s wife and I said no that is my brother in law. She asked for a contact number and I gave the phone to my husband. Never gave the number out and she is constantly calling my house for some one who never lived there.
unknown
unknown
2011-06-06 20:55:30
Unknown
keep harassing me with threats...
Irby Law
Irby Law
2010-04-15 17:40:55
Debt Collector
These people are hounds, if you dial all of the numbers that are listed on each comment, they are no longer in service, So please do divuldge any information to them, if someone wants to sue you then they have to file a affidavit to the courts and then the court answers said affidavit ( takes up to 30 days depending where you are) then after that a summons (another 30 days) after that you get served and then a court day ( 30 more days) is set...if the company that is threatning you is leggit. Other than that, don't answer your phone. These people have called me, but when I told them that I was a lawyer and that I worked for the Firm that THEY claimed they were from, they hung up the phone. If you are getting harrassed by debt collectors, follow these links below, or get in touch with the FDCPA, or you local Federal Trade Commission.

www.faircreditdebt.com
doer242
doer242
2009-11-09 19:39:01
Unknown
A man called saying that I had papers on his desk that were going to be filed in Greenville SC courthouse today, if I did not pay them today.  I have a very common last name and first name, so he had the wrong person, which I told him.  He said that it was me and they were filing the papers.
I am not sure what he was talking about, but said it was CashNet somewhere and that I showed picture ID to them, so how do I show them my picture ID so that they  will know it is not me.
shawn
shawn
2009-09-19 12:23:01
Debt Collector
i been getting phone calls they say if i dont pay i be arrested and be going to court  i have read attorney general office where he is looking into several credit agencys stards of practice to collect debts im calling monday to report to him this what i read is from may 27 2009 be aware they are also using number 716 684 8184 what people are sayimg one about attorneys being in volved or any legal matters keep calling is against ny laws just wanted let you know im from mo
LL
LL
2009-09-15 23:05:31
Unknown
I got a call from 716-312-8822 saying they are eastern asset company.  They are looking for a niece I haven't seen since 1992.  I told him this truth and he wanted to harrass me so I started screaming obsenities to him and yelled EXTREMELY loud over him until he hung up.  Before I did so though I told him he DID NOT have permission to ever call my number again.I had to do alot of screaming before he hung up but the great thing about it is I didn't hear a word he said.  

And if you are reading this Eastern you better listen to what I said, I will sue you if you ever call me again.  I mean what I say!
GIBIY G
GIBIY G
2009-09-02 20:48:36
Debt Collector
I asked them not to call at work...they call at work. I sent a certified letter saying no more verbal contact. Provide me with original creditor, last amount owed, account number and what they say I owe. Do not call work or any other phone numbers they have I only want written correspondence. I returned to work today and they had left 2 message one at 11:19 and one at 11:40. I thought they had to quit calling and provide you with written info?
Colorado15
Colorado15
2009-09-02 15:55:24
Unknown
Thanks for the info! Do you know what I can do if i sent them a certified letter asking them to provide the original creditor, account number, original amount owed, and what they say I owe. I said I did not want any further contact at work (they call and insist I ask someone to get me a loan or put it on their credit card). I said I only want corresopndence through the mail, no more calls at any phone numbers they have. I was out of work sick for 2 days and have 2 messages within 21 minutes of each other. Saying I have til thursday afternoon to make an arrangement on one messages. And one saying how I have fallen off the face of the earth. I spoke to one of them last week and asked them not to call at work (twice)What can I do? I received the certified receipt. I would appreciate any help. You can e-mail direct to Alicia0515@hotmail.com
OVER IT
OVER IT
2009-08-19 02:29:21
Unknown
they are a scam!! stay away!
rocky mountain
rocky mountain
2009-08-18 22:29:43
Debt Collector
I received a call on Monday (at work) I listened to what they had to say. I had actually been paying this company for 6 months $100.00. That ended in May, now they are saying I can miss a mnth. I said that was the original agreement. I told him I would have to call back when I could talk. Called him back the next day and said I could do $50 a month tops. He said no way, can you borrow the money? or get a loan? I said no and cut him off as he continued to suggest I get someone to get a loan for me or put it on their credit card. What the hell? Then he said well since you are not willing to try and find a way to pay this, I said I am $50 a month but, I am not going to borrow money. He confirmed my address and said I would be served. Then he said well here are your other options(this is after I told him he was rude)he said there are other people in much worse situations than you and they pay. I said you can't say that, you don't know my situation. He gave me the options and said I have till Friday to make one of the arrangements. After reading all these posts I called the number, they like anyone else hello, 2nd time they answered collections. I said what is the name of your company? The guy said Eastern Asset Management and something else about an attorneys office.
Over it!!!!
Over it!!!!
2009-08-18 15:57:39
Unknown
These people ruined my bank account!!!!!! i have been charge over $300 in overdraft fee because of these people
lamet
lamet
2009-08-17 20:14:46
Unknown
COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY


John Paul Nicolia, Attorney
300 INTERNATIONAL DR
WILLIAMSVILLE, NY 14221-5781

(Executive Suites Office)
http://virtualoffices.regus.com/search/default.htm


JOHN PAUL NICOLIA
JOHN PAUL NICOLIA ATTORNEY AT LAW

NYS Bar #2375566 should be held accountable for the actions

of debt collectors representing him to consumers. Tape all calls, contact us for assistance, file complaints with the following:

New York State Attorney Grievance Committee
8th Judicial District
295 Main Street, Room 1036
Buffalo, NY 14203
(716) 858-1190
Fax: 716-856-2701
Web Site: http://www.courts.state.ny.us/ad4



Debt Collector renting his law license

Selected Entity Name: ETHICAL ASSET MANAGEMENT, LLC
Initial DOS Filing Date: OCTOBER 02, 2006
County: ERIE   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)
ETHICAL ASSET MANAGEMENT, LLC
300 INTERNATIONAL DRIVE
SUITES 143-144
WILLIAMSVILLE, NEW YORK, 14221
Registered Agent :  NONE

AKA / EASTERN ASSET MANAGEMENT   Phone Numbers:      

888-813-4333
866-521-2611

866-926-4454
888-346-3978

716-626-3432
716-947-0230

716-282-3300

877-312-0822

716-312-0822
716-312-0823
716-312-0824
716-312-0825
716-312-0826
716-312-0827

716-321-0828
716-312-0830   Fax: 716-312-0829
                                 716-842-6033


Head Debt Collector:
JOHN PAUL NICOLIA, 50,  GRAND ISLAND, NY

 

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

Bud Says                         Consumer Comments Below

This is a typical Buffalo, NY criminal debt collection group operated by notorious debt collectors Greg & Doug Mackinnon. Doug & Greg are known, as ?Great Closers? because they close almost every debt collection and attorney office them become involved with and this one is no exception. Currently in bankruptcy for their failed Unistates Credit, while trying to explain to investors what happened to their $20 million investment. Here is an email that explains what many viewed on a recent Dateline, NBC story featuring Buffalo, NY debt collectors.

I doubt he will last much longer. A check of federal court cases shows that Nicolia and his collection operations have already had 31 lawsuits filed against them. We can reasonably expect that number to rise as they grow more desperate to steal money they are not entitled to.

Stay far away from this group of scam artists, contact us for assistance, do not give them access to your bank or credit cards.


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.


Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.
Over IT
Over IT
2009-08-17 20:05:05
Debt Collector
oh yea and at one point I had called them back and told them that I just wanted them to understand that I didnt want them to call me anymore and that they were on speakerphone (which they were) and that there was a police officer and my lawyer in the house listening in on the conversation. The man asked to speak with my lawyer and I asked him to hold on and that I was passing the phone to him.... not a mila second later he hung up....wierd!! Whos the idiot now?!
Over IT
Over IT
2009-08-17 20:01:59
Debt Collector
These people are redic!!! Some of these guys like to come on this web site and be like .."OH YEA PAY YOUR DEBTS AND YOU WONT GET BOTHERED" Do you people think we are monkeys?! If you are working under MR Santiago and Mikinnon  then you are puppets!! Yes I did my research... This web site is to warn people of bottom feeders like you. Stop coming on here pretending to be a human with a soul. Get an education! And tell your so called "lawyer" John to go back to law school or to just disappear.
dawn
dawn
2009-08-05 02:52:32
Unknown
You are rude. Just like the employer you work for. Things happen and thus you can get behind.  And if it legitmate debt then yeah you have to pay it if you want your credit repaired but you dont go to jail for having bad debts.  most agency I have worked with have never been so rude and yells like that agency.  I have settle several of my debts with other collection agencies and never had the experience I had with EA. I am a single mom trying to make a living and working on correcting my errors and the last thing I need is some scam artist trying to rip me off and take food out of my babies mouth with threat and yelling tatics.

You need to be more decent and become more human.

You get more out of sugarcandy than you do with a sourtart.
dawn
dawn
2009-08-05 02:40:32
Unknown
that is true you will get notification if there is a judgement against. it just wont show up and then bomb your are screwed. they have to serve you so you can go to court to dispute or settle with the judge.
Alfalfa
Alfalfa
2009-05-19 09:12:51
Unknown
Absolutely not!

They are in violation of FDCPA laws by refusing to validate this alledged debt and threatening to take legal action which is illegal and cannot be taken:

§ 807.  False or misleading representations  [15 USC 1962e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

809.  Validation of debts   [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

http://www.creditinfocenter.com/legal/FDCPA.shtml#807

First, report them to the FTC for the above violations:

https://www.ftccomplaintassistant.gov/

Second, send them this letter demanding validation of the debt they are harassing you about. Send it VIA certified mail and request a return receipt:

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state).

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.

You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA.

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html
Snoppl
Snoppl
2009-05-18 15:45:49
Unknown
They are harrasing me too. Claimed there was a civil lawsuit against me and won't provide any proof or who the debt is owed to. can they do this?
Alfalfa
Alfalfa
2009-03-31 00:50:45
Unknown
They are lying through their teeth. They don't want to mail you proof of this debt, because they know they don't have it. No proof, no money. It's that simple.

Call their bluff and send this letter VIA certified mail (with return receipt requested) DEMANDING validation. Keep copies of everything you send:

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html
ItsMe
ItsMe
2009-03-31 00:40:50
Unknown
Btw, the guy I spoke to seemed to understand that I knew what I was talking about.  His only response to me was, "Do what you have to do."  I told him I would.

You have to let these clowns know that you are not a pushover.
ItsMe
ItsMe
2009-03-31 00:34:56
Unknown
I got a call from this company earlier today.  My daughter took a message and I returned the call.

My first comments were I am unemployed and have been since late last year.  I also ask for an accounting in writing to be sent to me concerning this debt.  I was told that they can't do that, the best they can do is email something.  My response is no self-respecting law office is barred from doing business via USPS.  They won't send me anything via USPS because it's a federal offense, LMAO.  Once they stick a stamp on it, it's punishable by law.

I have no business with Eastern Asset Management and I don't appreciate them attempting to scare my teen daughter.  Even the debt they claim I owe to HSBC isn't familiar.  I informed the "attorney" seeking response to his "case" that I'd check my credit report and contact HSBC.
frogman
frogman
2009-03-25 15:31:30
Unknown
Someone called pretending to be an attorney to my UNLISTED cell phone about someone I don't know.
k guerro
k guerro
2009-03-20 18:54:28
Unknown
You are probably the biggest debtor, get an education so you can get a job that has more prestige
Shatori
Shatori
2009-03-01 17:50:11
Debt Collector
my stepdad received a phone call on my birthday 1/28/09 from Eastern Asset Management aka Ethical Asset Management saying they were from a law office trying to collect a debt on a card from CLOUT which i havent heard from since my last payment in 07. they said i needed to pay it by the first or they were filing papers to sue me. i was 16 when i received the card and i payed it every month when i got payed until i called clout and couldnt reach anyone and the number was no longer in service. interest kept building on me and now i owe 2500. they discussed the matter with my parents and others. the number i give them to contact me they wont call. they call my parents cell numbers. Frank Santiago and Henry Patterson are two of the rudest and crude people that work there on my case. Ive made 2 payments to them but i am not making anymore. i am planning to get a class action suit against them.i have been offered 4 different settle amounts and everytime i ask about them they tell me they never offered it and tell me they have been sending me notices but yet when they emailed me they didnt even have my name or address right. if they are located in buffalo, ny how can they sue me in california where i once lived when i had the card?
Debra
Debra
2009-01-23 17:02:35
Unknown
I just got a phone call from these people also.  The woman I got was Mrs. Wright. They said they were just trying to collect a debt and that I had to take care of it today or else it was going to the credit bureau and there would be attorney fees added.  I asked them to send me a fax of exactly how much it was and when they were going to take it out of my account, but they never have and that was about a week ago.
CSF
CSF
2009-01-22 18:16:24
Unknown
ARD - Send them a cease and decist letter, and file a complaint with the FTC www.ftc.gov.  by law they have to send you written notice of the debt within 30 days from the time you dispute the debt.  If they don't, violation #1.  Threatening to take you to court when they don't intend to do so, violation #2.  I sent the cease and decist, filed the ftc complaint and the lady at the ftc said you aren't supposed to prove you don't owe the money, they should prove that you DO owe the money.  You don't have to prove anything.  They are being sued by lots of people along with Nicolia the attorney.  They count on people freaking out and being scared into paying when they mention "attorney" so they throw his name around a lot.  They are full of crap 99% of the time.  Good luck to you.
AAron burns - you must be from eastern
AAron burns - you must be from eastern
2009-01-16 03:19:55
Unknown
...because someone has to serve you in person with lawsuit papers.  YOU ARE WORKING FOR EASTERN ASSET MANAGEMENT and come on here lying.

You don't get sued and a judgement issued against you without your knowledge!!  You collector thugs count on others not knowing the law.
K Casey = Eastern Asset Management Thug
K Casey = Eastern Asset Management Thug
2009-01-16 03:17:58
Unknown
Hi K Casey - nice try, you are hired by eastern asset management to intimidate us.  Most if not all the stuff they try to collect is out of statute of limitations and not payable.  So STFU scumbag collector!! We don't owe you anything!! Quit breaking the law.
IPayMyBills
IPayMyBills
2009-01-09 16:59:43
Unknown
I do pay my bills, all of them, always have.  I have been getting calls, as well as my ex whom I haven't been married to for 11 years.  After 4 phone calls I finally think I've convinced them I'm not the right person since the SSN's don't match.  However, they refused to write me even the shortest note indicating that have accepted the fact that I'm not the person they're looking for.
ARD
ARD
2009-01-05 21:57:32
Unknown
I recieved a call this morning from a yound lady names Jessica also. She starting to talk to me about a debt a owed from 4 years ago, claiming that I owed $3400 more than I did. When I told her I didnt owe that, she immediately transfered me to this guy name Cicero. After making idle threats about taking me to court, suggesting that I borrow money from my family, and yelling at me, he gave me his information to call him back whenever I got the money I owed. I wemt and did my research on what he did and found out it was completely illegal. I called back to get their business address to pass along to my attorny, he told me that once I have them the money I owed, then he'll give me his address. Totally rude a**hole. Please do not believe any of the crap they tell you.
1-702-240-2622 1-656-835-7327 1-973-944-5472
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