MAYBE THOSE PEOPLE LIKE ME HAVE HAD THERE SHYT TAKEN WITHOUT KNOWLEDGE KNOWING FULL WELL U GET AN ANNUAL CREDIT REPORT ONCE A YEAR PEOPLE WOULD BE SEEING SHYT THEY DIDNT APPLY FOR ON IT I KNOW FROM EXPERENCE!!!! SO THESE OF YOU COMPLAINING BOUT PEOPLE NOT PAYING THEIR BILLS R STEALING, HOW ABOUT LOOKING IT AS THE TRUTH WHEN UR WALLET (MAN) OR PURSE (FEMALE) HAS BEEN STOLEN U MAKE A POLICE REPORT MIND U ALOT OF PEOPLE I KNOW KEEP THEIR HEALTH INSURANCE CARDS, MASTER N VISA CARDS, DRIVER LIECNSE, SOCIAL SEURITY CARDS AND MUCH MORE IN THEM SO THE PERSON WHO HAS STOLEN UR PURSE OR WALLETS IS RESPONCIBLE FIR THESE BILLS WITHIN THE VICTUM'S RIGH ADVOCATEY PROGRAM, THE POLICE HAVE TO HAVE ALOT OF PROOF TO ARREST SOMEONE AND GET INFO AND OTHER THINGSAS THEY GO... I'M A SINGLE MOTHER WITH FOUR KIDS I CANT WORK I'M ON SSI AND WHEN SOMEONE STOLE MY S*** THEY HAD EVERYTHING THEY NEEDED TO REALLY TAKE OVER MY IDENTY EVEN IF THE PERSON WAS ONLY 120LBS AND COMPARED TO ME APPLING FOR SHYT ON WHEN THE CREDIT CARD COMPANIES DONT NEED TO SEE WHO'S ACTUALLY APPLYING FOR CREDIT OR OPENING A NEW BANK ACCOUNT. THIS WORLD NEEDS GOOD HONEST PEOPLLE YEA BILL COLLECTORS BEEN CALLIN ME N WANTIN ME TO PAY A DEBIT THAT IS NOT MINE THIS USA CREDIT ALSO KNOWN AS CMG CREDIT ARE NOTHING BUT ONLINE SHOPPING CREDIT CARDS I HAVE DONE MY RESEARCH SINCE I SEEN ON MY 2013 ANNUAL CREDIT REPORT SOME THIG I DID NOT APPLY FOR LOOK EM UP UR DAMN SELVES... N FOR CRYIN OUT LOUD IF UR GONNA NAME CALL THOSE LIKE ME THEN GET A LIFE N GROW THE HELL UP

Here's something to try. Just Google map this address for CMG.
481 Oliver Street
Tonawanda, New York 14120
The picture speaks for itself.Geez

They are scum and hold THEM to the letter of the law.......they will back down. Or tell them to go ahead with their threats (which don't hold water or weight anyway).
No one should ever let ANY debt collector intimate them or break the law by violating the FDCPA in any way. Report it every time and record EVERYTHING and demand proof of the debt, etc.
No "reputable" company keeps moving around and working out of basements......this "company" is currentl listed their address but it belongs to a "sewing machine shop".

Connecticut Attorney General's Office

Press Release

Attorney General Calls DPUC Letter Prohibiting CNG Collection Of Illegally Billed Amounts Victory

February 14, 2008

"This letter is a partial, but important victory, stopping a completely unlawful and unconscionable charge to consumers. I am pleased that consumers received a reprieve, but in the end the DPUC needs to go further, ordering CNG to fully forgive these illegal bills.

"Scrubbing these excessive, outrageous charges is a vital first step in righting this wrong -- but only a first step. This company's cavalier, callous treatment of its customers is unacceptable and inexcusable. CNG tried to make consumers pay for its mistakes, clobbering them with huge lump sum charges in violation of the law.

"My office will participate aggressively in the investigation to establish who concocted and condoned this unlawful scheme. We will seek additional sanctions, including fines and forfeitures, as appropriate, not only from the company, but individuals who should be held accountable. An industry-wide examination is appropriate and necessary regarding consumer protection in billing and metering.

"CNG customers rightly demand and I will fight to assure that the company does the right thing and strictly follows state law."

I saw this # on Caller ID yesterday

they called my mother and told her they were going to put a warrant out for my arrest if i did pay them $488.42. So she called me and told me. so i called them they told me they will suspend my driver license if i didnt come up with the money that day. then they kept on asking me for a criedt card #. i told them i didnt have one. then they ask if anyone  in my family i could get it from. i told them no. then the lady i was talking with stransferd me to a guy that said he was a attorney. he told me i had to send them $200.00 by nov 1 and then the other half by the end of nov. they said i couldnt send them a money order only criedt card. they nevver gave me there address or anything. it sounds pretty crazy to.

I received a call today from PDRR saying that they are going to revoke my licence for a unpaid online loan that I never received. What scares me is that they have information on me including socail security.. Please help what can I do to get them off my back and also protect mty social.. HELP!

Well, when you do pay your debt and another collection agency calls threatening to press charges so you pay them to make sure you don't get charges against you then poof they're gone and so is your money. I got burnt with this and never again. They can take me to court next time and the judge can decide.

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


RSI Investigative Services
RSI Claims Processing Services, LLC
Here's the standard BS:  
Suspected Swindler Targets Senior Citizens
Video from NewsChannel5.com

   

aka Dial Tech Communication
aka/CMC Recovery
aka/Claims America
National Services Processors
aka/ "EDI" Emanee Development Inc
Aka/Murray, Bradshaw & Associates
Attorneys at Law

COMPLAINTS HERE



3385 Bailey Ave., Suite #8  
(Click for Google map)
Buffalo, NY 14215

CALLS ROUTED THROUGH GA NUMBERS:

PHONE: 404-287-0204
678-392-1168
678-916-5965       770-881-7088
Local: 716-462-4971 (Emanee Development)
FAX: 404-592-0173
Head Debt Collectors:

Lamont Marquis Cooper,

Convicted Felon, (drug dealer)

(Aka Lamont A. Conrad, Lamont Ashley,

Lamont M. Burns, Lamont Marqus Cooper,)

Jahaan McDuffie, Convicted Felon

Donte Lee, Convicted Felon


If you have had dealings or contact please get in touch with us.  We'd like to see your letters, faxes or recorded tapes concerning this agency.



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

Bud Says                         Consumer Comments Below

CONSUMER ALERT:  
WARNING: THIS ORGANIZATION IS A CRIMINAL SCAM!  DO NOT FALL FOR THEIR LIES, THREATS OR INTIMIDATION.

This is a criminal organization, not a law office, and they are ripping off consumers at an amazing pace. NOTHING they threaten will ever happen.

They are NOT INVESTIGATORS or LAWYERS.

They are DEBT COLLECTORS, many with Felony Convictions and Severe Drug Habits.

They are not operating out of Georgia.

They are on the run from the law and a large number of unpaid bills and judgments.

(We received this email from a former employee; we contacted the offices numerous times to verify the information prior to publication, with no one willing to discuss this matter. CMC and the related organizations did operate at one time out of Stone Mountain, GA. We have information that suggests they left GA after running up tens of thousands of dollars in defaulted judgments. The majority of the judgments resulted from civil claims by consumers who they threatened by violating both federal and state laws. They are now operating out of Buffalo, NY as a criminal debt collection office, posing as phony investigators attempting to bilk consumers out of money that they do NOT legally owe.)

The office is owned by Lamont M. Cooper, aka/Lamont Cooper, Desmond M. Cooper, (Dob: 07/16/1975 ? FBI #870930TA4 ? State ID#2033223T) Jahaan McDuffie and Donte Lee. All three are convicted felons and ex/current Drug dealers. They teach their employees to lie to the debtors to get paid on debts that are out of statute. They purchase debt with their drug money and add hundreds to thousands of dollars to the debt and have the debtor believe they are entitled to an out of court settlement.
Their caller id shows Atlanta, GA, they are using ?Phone Spoof? to fool the debtors. ALL CALLS GET ROUTED TO THE BUFFALO ADDRESS. There is no attorney office of Murray, Bradshaw and Associates. This agency is a complete farce. They gross at least $250,000 per month and its pure profit...everyone in the agency is related somehow so that the scam/scheme and play on.
Warn anyone contacted by them NOT to pay and NEVER give them any information on your bank or credit cards, they will steal your money!

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


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

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 ? FAIR DEBT COLLECTION PRACTICES ACT
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.

These people have been calling me as well.  He called and I explained that I owuld like a debt validation letter.  He said "they don't do mail", and that my driver's lic. was going to be suspended.  He also asked if I was hard of hearing and to watch out for ploice on the road.  I had a payday loan and have been making payment directly to that company.  I am just tired of the non-stop phone calls.  Any help would be appreciated.

New development.  Sorry if i cant type im shaking im so pissed.  Guy just called me the guy i told not to call again before about so me debt i did not have just called me using my parents phone number after i called the police on them stating what they did.  He called me using profanity andt threatening me.  I now called the police about a threatening phonecall.  Those cmg recovery people sure are evil.

I have been receiving a blocked call at my place of employment and also my personal phone.  They would call me atleast 30 times a day.  Sometimes even 5 calls in a row.  They left me messages about a case # and a # to call which is 888-908-9559.  They kept threatening me on the messages  and I decided to call the # and they told me it's about a payday loan that I owe and that if I don't pay right now that they are going to sue me and have to pay tripple times.  That I was also goin to get my licensed suspended and also notify my job that I did a check fraud.  Is this for real??? Then they called me back another time and the caller id has the #716-957-3846.  I searched that # and there's alot of people saying the same thing that they are going through with me.

Called my friends number and asked how to get a hold of me. Told her how pretty she was and said that he got my information of an application of a previous employeer. Then went on about oh is she good in bed. said he saw her on my space. I have never heard of these people. I am not sure what to do. Told her it was in her best interest to have me call. I do not like this situation. It is scary to think they have all my information and even my ex's brothers name.

Joe Marzaleam, an employee of CMG & associates has been calling me and my friends leaving them messages about me being investigated for Bank Robbery. He then changed my outgoing message on my voicemail to a vulgar message pertaining to me. He now is calling my place of work and leaving harassing and personal messages on the general work voicemail.

CMG RECOVERY SERVICES IS NOT AFFILIATED WITH CMC?????????? WHO EVER POSTED THIS NEEDS TO LOOK INTO THEIR INFORMATION, BECAUSE IT IS NOT CORRECT!!!!

Do not pay them anything. Here is why:
http://www.budhibbs.com/collectorpages/cmc_recovery.htm
Nothing but a bunch of drug dealers and felons. The above link verifies everything.

The bible has 100% nothing to do with 800 notes.  Take your opinions and beliefs to a place where it is needed or appropriate.

Hah hah hah, all of CMG posts were deleted! (I'm dancing) It went from 10 pages down to the actual three it should be. Let that be a lesson and a stern warning to them. I guess THEY were in the WRONG. Again I say: Hah hah hah.
That situation was rectified very quickly. Thank You 800Notes!

These idiots do not know phone numbers get re-assigned when disconnected for a while.

If GOD called you, and thought you need to share, 800 notes is not the place to post it, spam somewhere else.

I got a skip-tracer call from somebody asking me about a coworker I knew years ago. They were rude, insulting, and called my cell phone repeatedly.

Again, haven't talked to this person in a year or two. Also, they called my cell - a clear violation not of the FDCA of 1978, but illegal just the same.

This morning I received a call from CMG Collections.  The caller initially asked to speak with me and then stated that he was actually calling for my daughter.  He then asked me to verify my ssn#.  When I refused to verify any information and inquired as to the nature of his call be became angry and started using profanity calling me a B**** several times.  I hung up on him and he called back immediately. When I answered the phone he said "B**** just answer my questions." I hung up again.  I would receive 12 consecutive calls from this blocked number and I did not answer any of them.  I immediately went to the internet and began searching for information on CMG Collection Agency and came across several sites which provided very useful information.  I obtained a phone number from one of the sites and upon calling the number the voice of the person answering the phone was the same person who had placed the call to me.  My daughter in turn called the number 1-888-711-7577 and was immediately asked to provide her ssn# she refused.  She was informed by Joe Marazole that he needed her ssn# to find her case file.  Again she refused and she gave him her last name only.  He proceeded to tell her that he was collecting a debt on a loan that she has paid off more than a year ago.  When she explained that the debt had been paid off over a year ago.  He claimed that there was a court proceeding that she must voluntarily settle this debt or it would go to court.  She requested information in writing and he stated that he was only required to call her one last time before the case went to court.  She requested that the information be forwarded to her in an e-mail which he confirmed he would sent, but he would need a debit card number no later than 7:00pm to settle the debt.  We have not received the e-mail and we have contacted the loan company who has verified that the debt was paid in full and not in collections.  THIS IS A SCAM. Please know that if there is a court case filed against you, there IS A DUTY for you to be notified in WRITING, not by telephone.  This can be verified with any court in any state.  The court system has never notified people of lawsuits or cases filed against them of any kind by telephone.  Please know that your information was compromised somehow and THESE LOW LIFE PEOPLE WHO CANNOT GET A HONEST REGULAR JOB. Has somehow gotten hold of your information and is attempting to Illegially take money from you anyway that they can.  REPORT THIS IMMEDIATELY TO THE ATTORNEY GENERAL IN YOUR STATE AND TO THE AGENCY THAT OVER SEES THE FAIR DEBT COLLECTION PRACTICE ACT. Please post as much information as possible. INFORMING PEOPLE OF THIS SCAM IS THE ONLY WAY TO STOP IT.

Yet another Collector Troll posing as a "satisfied debtor".

Has anyone done a google map on this address. Try it - very interseting....
481 Oliver Street
North Tonawanda, New York 14120

Thak you, I'll do just that

If CMG Recovery is not licensed or bonded to collect debts in your State, they are NOT legitimate. Go to your State's government website to find out.

And, no, they CANNOT "revoke" your license or registration! If you google CMG recovery, they are making this same ILLEGAL threat to others.

They probably pulled your information off your credit report, which is also ILLEGAL.

Here's what you do:

First of all, stay OFF the phone!

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

Third, obtain copies of your credit reports from all three bureaus (Experian, Equifax and Transamerica). If CMG has placed any derogoratory remarks on them without first validating that you owe this debt, you will have legal grounds to sue the #@1%! out of them for FCRA (Fair Credit Reporting Act Violations).

Fourth, go to the FTC's website https://www.ftccomplaintassistant.gov/
and file a complaint against them for violation of section 807 of the FDCPA (Fair Debt Collection Practices Act):

§ 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:

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

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

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

IS CMG for real and legit? Can they actually do as they claim and revoke licensing/registrations? they offer no info. or DV and are belligerant when asked for it. All on a supossed payday loan that I'm pretty sure never happened from 2006. How do they retreive their info.? One caller claimed to be an attourney...

You driver's license?

Here's a link to NYS Vehicle and Traffic Laws
http://law.onecle.com/new-york/vehicle-and-traffic/index.html

And here is section 399 in it's entirety

§ 399-a.  Statement  of  purpose. The purposes of this article are to
 further highway safety by preserving the quality  and  efficacy  of  the
 accident prevention course programs. These purposes will be accomplished
 by  establishing  strict  criteria  for  initial  and  continual  course
 sponsorship approval.

If you read on, you see that Section 399 has nothing to do with penalties.

CMG Recovery Services
481 Oliver St.
North Tonawanda, NY 14120

Now that you have their full name and address, you need to do the following:

1) Send them this letter VIA certified mail, demanding validation of the debt they are harassing you about. Request a return receipt and 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

2) Report them to the FTC for the following FDCPA violation:

§ 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:

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

http://www.creditinfocenter.com/legal/FDCPA.shtml#804

https://www.ftccomplaintassistant.gov/

THESE PEOPLE CALL MY MOMS HOUSE AND TOLD HER WAS I WAS GOING TO JAIL FOR FRAUD  MY MOM IS EIGTHY YEARS OLD AFTER THE CALL I HAD TO TAKE HER TO THE DOCTOR AM GOING TO GET LAWYER AND SUE.