Fredrick J Hanna is in our backyard and will be exposed. They have been exposed in the latter part of last year to TOXIC MOLD and about to be exposed on the news media. It sounds comical but this is a dangerous environment.

From an employee: Just wanted to alert the 60 minutes crew – come in the back door by the old ceiling tiles – and you want to catch chubbles – wait until he’s back from St. Louis… This place is folding like a cheap suit…”

cartoon

This is almost funny and ironic at the same time. Debt collection agencies keep a low profile so this incident may shut done this EVIL debt collector. Right now, consumers are his worst nightmare! The power of the people can shut him down now!

 

You have to understand that this company is operating under a “business license” but they are doing everything illegal under the sun to collect on their worthless paper. The only records a JDB uses is a spreadsheet with the consumer name, phone, and balance. Worthless.

 

 

Here is information (budhibbs.com) FROM AN EMPLOYEE at Hanna’s office November 2008. Another victory for the state of Georgia perhaps?

“Regarding Fred Hanna, I have some information that might be useful for you. Fred Hanna is running 4 offices out of Marietta and an office out of MO. There is no attorney located at any of those offices. My understanding is if a sign states Law Offices there must be an attorney present in that office, which is not the case here. All of Fred’s attorneys work only at the 1427 Roswell Rd address, of course in other states he does have co council have work there for over 3 yrs. George Smith AKA. George Hawke an operation mgr who likes to send unauthorized settlement letters to debtors then makes them pay x amt of dollars. He likes to tell the collector to lie to the debtor that the settlement letter they had received was never approved by our client, and cannot settle the acct,, after they had already paid, He then collectors get fired if they do not comply with the operations mgrs demands. Director of operations William Lau he runs all of Fred’s Offices, although the offices has his name on them he has no part or say what happens there ,He does not care to take time and actually check out what’s going on. Many employees are sick from Toxic Black mold due to the filth in office I have pics of mold on floor and walls as well as carpet samples and also moldy ceiling tile to back this up. Raw sewage floods our collection floor that includes used tampons toilette paper and poop in our floor and still they make us work in that hole. I am just so frustrated I have contacted OSHA as well as health dept for assistance. The HR Director was supposed to file workman’s comp for several who were made sick, she just keeps replying that Fred says no. So we’ve retained an attorney– no choice. We know we may soon be fired and no longer have health ins. but anything we can do to help the other employees there so their health is not affected the way ours has. I think Fred Hanna and William J Lau should have to sit in that excuse for an office for about a year as punishment. Thank you, any help to get this place shut down is greatly appreciated before more employees are subjected to these unsanitary working conditions. Signed – First Five of Many”
Bud Hibbs comments:

“Fred Hanna, owner and William J. Lau, Director of Operation appeared to have sunk to a new low (and Fred was pretty low to start) over this one. He and his wife live in a nice home off Lower Roswell Rd., in Marietta, GA that was paid for by the blood money collected by his goons. The pictures you sent showing mold growing in his collection dump and the toilets over flowing is disgusting. How fitting that mold and sewage are befitting to Fredrick J Hanna and his career as a slimy debt collector. I am sending you information for assistance in this matter. Fred will deny having any knowledge of this, which is his typical stance. He will continue to wipe the blood off his commission checks and cash them so he can enjoy all the trappings that being a sleazy debt collector afford him. The American consumer can stop Fredrick J. Hanna and his slimy operation by challenging every single item they attempt to collect. Make them validate, tape collector calls, show up in every court case, hire consumer lawyers to fight his bogus claims. American consumers should force Hanna to spend as much time and money as possible to legally comply with al the law that regulate the collection industry. Hanna has had a FREE ride on consumer coattails for too long, time to hold him and his goons accountable for their actions. Many, many debt collectors who thought they were invincible have fallen when consumers have banded together and said ENOUGH!”
 
 

 

Dreams do come true! 

NEXT LEVEL CREDIT

Address: Fred Hanna Frederick J Hanna & Associates 1427 Roswell Rd Marietta, GA 30062

 

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Debt Collection Attorneys (rent a lawyer)

Jan 19 · by Next Level Credit

How do you know when a debt collection letter is really from a legit law firm? Many collection agencies pose as law firms. There are law firms that are collection agencies. The short name is CA’s. This “CA” can be mistaken for collection agency CA, however, when you become familiar with the jargon of this industry you will understand the context.

Law firms as debt collectors are VERY profitable. The law firm can file a lawsuit quickly. From the outside, you will NOT be able to tell that the law firm is a debt collector. Some companies appear to be law firms but do not have ANY attorneys in their office.

Look at the court docket and see the default judgments and that will show the attorney serves summons and makes GOBS of money with default judgments. How do they make money with defualt judgments? The bank account and paycheck will be garnished. You will not know it has been garnished until AFTER it happens.

When you receive a letter in the mail that you suspect is from a CA – collection attorney, write to them immediately to validate the debt.

If you receive a summons at your residence, contact your attorney. You can fight it and go to court and win. You will need a consumer attorney that specializes in debt collection cases. Do not ignore the letters and think this will fade away. The intimidation factor is how the debt collectors succeed with consumers.

NEXT LEVEL CREDIT

 

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Credit Restoration and Consolidation scams

Jan 15 · by Next Level Credit

There are MANY credit repair companies in the US that are not legitimate. Now with the economy in such turmoil, credit repair companies are popping up all over the place. Scams taking advantage of consumers with their debt. Beware.

First of all, there are laws about taking payment from a consumer before the service is rendered in regards to credit repair companies. Most credit repair and consolidation companies want the consumer to pay a lump sum up front before the work is performed. That is fair BUT when it comes to eliminating your debt or fixing your credit report – do not pay a lump sum to have the work completed. Also, there is a BIG DIFFERENCE between eliminating it by paying it off OR eliminating it by not paying it and asking the collection agencies to validate the account. We eliminate it by not paying it and asking for the collection agency to validate the debt. The word ELIMINATE can have multiple meanings.

We believe that you do NOT have to make a settlement of ANY of your collection debt. Do not consolidate your collection debt. Not needed. There are companies that advertise for collection debt consolidation. RIPOFF. These companies are the worst because most of them already KNOW that debt collectors cannot validate the account 99% of the time. Yet the collection debt consolidation company will take a percentage ( $$ ) from you and you will pay them (monthly) to get rid of the collection accounts. In the meantime, you can be sued by the collector. The consolidation company negotiotes with the collection agency to “settle” with the collection agency. STOP ! Never ever do that !!! The collection agency cannot even validate your account !!! Why would you make a payment ??? What could be worse than that? What if ALL those collection accounts are listed on your credit report as paid ???

Forget that MADNESS !

There are credit report repair companies that do not remove items they claim they can remove. The company takes your money, writes a letter, the credit bureau “verifies” it and that is the end of that. They have your money. Happens ALL the time.

We say UNACCEPTABLE ! The credit bureaus are NOT our friends.

We CAN remove original creditors (in most cases) and collection accounts (easier) from your credit report. It takes persistance and patience. Each client case is different depending on their report.

We eliminate the collection account entirely because the debt collector ( collection agency ) cannot validate the account. Then we delete it from your credit report.

Gone – poof – exhale !

This process works 99% !

NEXT LEVEL CREDIT

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This could be a rumour. However, Forbes is very reputable so we say it is not a rumour. This is beyond disgusting and there is not a word to describe the feeling when we read that MCM and Encore Capital is grossing this amount of money. 

$97.8 million – ONE QUARTER !!!

We posted earlier about Midland Credit Management debt collectors and their desperate tactics. Here is another article from buddhibbs.com with some stats that will make your blood boil.

MORE consumers need this information and made aware that we CAN fight the collection debt industry.

NEXT LEVEL CREDIT

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This collection agency is expansive all over the US. They were bought by Axiant, which was purchased by Mann Bracken. They have a huge network and they are infamous for suing on worthless paper. This agency supplies National Arbitration Forum (NAF) with a large amount of junk debt.

This would make sense why these 3 companies are sue happy. They have the arbitration company in their back pocket (almost). 

Buying bad debts for 2-3¢on the dollar (many for a lot less), paying the NAF $250 with an almost guaranteed award in your favor and a network of lawyers filing suits spells money on the level of a South American drug cartel to Wolpoff & Abramson.

Especially, if you live in Maryland and have to deal with Wolpoff & Abramson, call naca.net. It seems that W & A sits on the Montgomery County, MD and Maryland State Bar board for ethics complaints. W & A is not a law firm but they have many attorneys at their “bidding”.

Here are some debt collectors that Wolpoff & Abramson uses consistently. We are familiar with some more than others. Wolpoff & Abramson is a collection debt empire. They are ruthless.

Alegis Group

Sherman Acquisitions

Arrow Financial Services

LVNV Funding, LLC

Asta Funding

Colonial Credit Corporation

Great Seneca Financial

Palisades Collections

Centurion Capital

Sage Financial

Monarch Financial

Hawker Financial

Preferred Platinum Plan aka The Porn Collectors

The auto dialers are non stop with up to 20 calls per day to the same consumer. They file hundreds of court cases (judgments) a day. We have been able to validate debts but this is rare. If you are taken to court this would be in your favor for them not to be able to validate a debt. They file (fake) illegal affidavits and other documents.

The good news is judges are getting smarter when it comes to debt collection cases in court. Keep contacting Congress, Senate and Judges with your complaints.

Great testimony: October 2008 – “I am an attorney. These guys are a bunch of yahoos. EVERY case I have defended against them has been dismissed because they have been unable to attach required documents to their Complaints. Just file the proper motion to dismiss and they will cave!”

NEXT LEVEL CREDIT

 

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RESOLUTIONS OR GOALS IN 2009 ?

Jan 01 · by Next Level Credit

HAPPY NEW YEAR 2009!

What are the top three resolutions that most people make for a new year?

#1. get/make more money (get rid of debt)

#2. be more healthy

#3. have more time to enjoy life

What are the top three GOALS that most people make (for a new year)?

SAME AS ABOVE!!!

What is the difference between RESOLUTIONS and GOALS ???

webster definition of resolute: firmly determined in purpose

webster definition of goal: aim, purpose

There is not much of a difference, however, resolutions may be set temporarily while goals are set until achieved. Are you making resolutions OR goals in 2009?

This year we have some amazing goals for Next Level Unlimited. It starts with Next Level Credit. We will be reaching out to online and offline consumers to assist them in their dire financial straits. By conducting free seminars, we will travel locally and cross country giving consumers imperative information to help them change their mindset and their financial mission in life. The seminars will also be recorded (possibly live) on this website too to help you as much as possible.

To all the consumers who do not know what to do about unemployment and current (and future collection) debt, let us give you direction. Been there, done that! How determined are YOU this year – this new year – 2009 ? Who are you going to depend on for money? Take hold of the “reins” of where you CAN go!

What are your goals for 2009 or for the next 3, 5, 10 years ?

Let’s work on all THREE GOALS !!! 

Together.

NEXT LEVEL CREDIT

 

 

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