Stop Collection Agency Harassment

If you have been served a summons/complaint at your residence, you need to file an Answer and Affirmative Defenses immediately. This means you are being sued by the collection attorney.

HOW TO FILE AN ANSWER TO THE COURT pro se: The Defense Guide will provide you with all you need to answer the summons and go to court. It is better for the judge to see you and you represent yourself pro se and state your opposition than do nothing at all. Challenge the opposition. Before you even need to think about going to court, understand that the collection agencies do not want to go to court. Most cases are DISMISSED by the collection attorney! If you fail to respond to the court, you will be rendered a default judgment.

Filing an Answer and Affirmative Defenses to the court is not easy. It can be done. This is a defendant’s package and it is everything you need to fight a junk debt buyer’s lawsuit.

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Fortunately, we have not had to challenge Marauder as much as the other top 9 worst collection agencies in the US. We are very familiar with the behavior of the other collection agencies. Before you decide to declare bankruptcy or you are thinking about declaring bankruptcy, talk to us. We have helped many consumers eliminate collections and stop collection agency harassment. The consumer usually does not have to resort to bankruptcy.

TOP TEN WORST

Midland Credit Management, Midland Funding
Portfolio Recovery Associates
Unifund Partners
LVNV Funding
Hanna & Associates
Asset Acceptance
Brachfeld
Palisades
Anderson Financial (AFNI)
Marauder

Since we have not dealt with Marauder, here are a few facts from Bud Hibbs site: Criminal debt collector and serial FDCPA violator Ryon Alan Gambill has the dubious distinction of being one of the worst and one of the dumbest debt collectors in the United States.

Gambill hides behind Kim Nicole Edwards, his most recent wife, with his home on Goleta Avenue in Palm Desert, California. He has amassed an estimated

$3.5 million in unpaid judgments by default – judgments filed for violating debt-collection law. That makes him one of the biggest DEAD BEAT debt collectors in the nation.

Ryon Gambill is a perfect example of why we need federal legislation to police abuse of the credit bureau reporting system. His use of Experian’s databases is nothing more than an act of extortion.

Sadly and outrageously, Experian knows all too well about Gambill’s criminal history, yet it turns a blind eye and a deaf ear to consumers’ complaints.

Experian reportedly denied the existence of his company representative who quit after learning his name was published on several Web sites.

He shamelessly impersonates lawyers, police, the FBI, and anyone else, depending what the situation necessitates. He has stolen money from his clients and the American people – and then lied about it on top of that. He is without a doubt, the scummiest of the scum-feeding bottom dwellers of the debt-collection industry. The End.

Contact us immediately on our home page if you have been contacted by Marauder.

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United Recovery Systems office is in Houston, Texas. This CA is busy mailing letters and calling consumers. Their bark is worse than their bite. This agency was established in 1977 and usually is not able to validate the alleged debt of the consumer. This collection harassment is incessant calls rather than letters.

We have read that a few years back, it is very difficult to work there and the collectors who call the consumers are harassed themselves on the job. It was stated that this collection agency has no scruples and that the employees have questionable backgrounds and financial problems. Is that a surprise???

If you receive a letter from this company BEWARE because they may be aligned with the Law Office of James A West in Texas who is known to sue consumers.

Contact us immediately if you have been contacted by United Recovery Systems or James A West. Do not talk to anyone at URS!

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You can stop debt collectors and challenge them. More than 450 buyers scooped up an estimated $100 billion in distressed loans last year, according to the latest estimates by Kaulkin Ginsberg, a debt collection industry advisor.

Portfolio Recovery Associates and Asset Acceptance are known for their 1099C scam. Don’t fall for it!

If you are contacted by Portfolio Recovery Associates or Asset Acceptance, contact us immediately.

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“Why would you want to pay a collection agency who did not pay YOUR BALANCE of the original account to the original creditor?” And the consumer states “Well the collection agency states it was ASSIGNED to them” NO IT WAS NOT ASSIGNED.

In other words, do not pay any collection agency any money that they do not legally have a right to collect. Read the FDCPA and the rights for the consumer regarding collection agency harassment (yes when they are sending multiple letters and calls).

LVNV Funding is a decent sized collection agency in South Carolina that has been in business for many years. This CA is all over ripoffreport website. They are a major junk debt buyer tied in with Sherman Acquisitions and other smaller collection agencies Alegis, Resurgent and Ventus. However, you do have to stop debt collectors no matter what size they appear to be.

If a consumer is served a summons/complaint, and the plaintiff is named LVNV Funding, is should be apparent that the collection ATTORNEY that is listed on the summons is indeed collecting for their busines. In other words, LVNV Funding is not suing the defendant, but the collection attorney is suing and keeping all the $$$$$$$. Note: if the plaintiff named is the original creditor…here is a hint…original creditors do not sue. The collection attorney is suing the defendant and keeping all the $$$$$$.

How can that be? It just is until YOU the consumer make enough noise to your Attorney General and have that business investigated.

If you are being contacted by LVNV Funding, stop talking to them and contact us for direction and assistance.

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The consumer should NOT pay Client Services Inc. CSI does not validate alleged accounts. Some consumers who do not understand the corruption of JDBs will start paying a CA and then be trapped into an endless situation with no resolution. Paying the CA does NOT help your credit score.

If you are contacted by Client Services Inc, contact our office for an analysis. Stop talking to this collection company!

Client Services, Inc.

221 Point West Blvd

St Charles, Missouri 63301

Phone: (800) 521-3236

Fax: (636) 947-1565

Other Offices:

John L. Kastner, President Sr & Jr

3451 Harry S. Truman Blvd.

St Charles, MO 63301

“Taking Your Credit to the Next Level” 

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Richard Woolwine

Kelly Woolwine

other location:

Richmond VA

Phoenix AZ

The good news is last year (2009) both companies were laying off employees. How can we say that is GREAT NEWS about people out of work??? Most of their employees don’t even understand the corruption of ACF and John P Frye and think they are a legitimate collection agency working on commission. The employees are better off NOT to work there. If the employee works for a CA, they are desperate!!! This is illegal practices. ACF buys junk debt for .09 cents on the dollar – reported in Dec 2008.

http://www.vawd.uscourts.gov/OPINIONS/WILSON/700CV00846.PDF

You do the math!

Beware in Virginia for collection debt lawsuits. If you are served a summons, you can fight back Pro Se or hire an attorney immediately.

See our site tabs for more information and sample on how to do it yourself and challenge collection agencies.

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Lots of cleanup going on in New York thanks to the Attorney General! You can stop collection agency harassment and it is being done in NY. Capital Management Services is located in Buffalo, New York. Buffalo is rumoured to be the debt collection capital of the US. Like most collection agencies, they are unorganized with a high employee turnover rate. This is great news for the consumer.

 Capital Management Services

 aka Center One Financial

 Head Debt Collectors: Jeffrey A. Hauser, CEO

CMS is known for their incessant phone calls. The letters are automated and sent out systematically. This company is very aggressive in collecting on expired accounts.

If you are contacted by Capital Management Services, contact our office for an analysis. Stop talking to this company!

726 Exchange St #700, Buffalo, New York 14210

Larry Costa, President

Karen Kraska, Secretary-Treasurer

Timothy Kraska, (very) Silent Partner

Patricia M. Cipriani, House Lawyer

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Zwicker & Associates are expanding on a national level. Their HQ is located in Massachusetts, however, they have mini offices in many states such as Alabama, Georgia, California, New York, Texas, Nebraska, and Utah This collection agency has a very bad reputation for lawsuits (especially with AMEX and {JDB} LVNV) against consumers. The CA cannot represent the plaintiff and act as a debt collector simultaneously. This is a violation of the FDCPA however RARELY used in the court. More consumers need to address this issue in the courtroom when their Answer and Affirmative Defenses are filed.

Zwicker & Associates do not have any rules. This company will use slander on the phone and threaten the consumer. They tell the consumer that they can collect in any state regardless of being licensed in the consumers’ state of residence. Lies!!! Zwicker can only sue IF they have an office in your state of residence and the attorney is located in your state of residence.

The good news is that 99% of the collection letters can be challenged and Zwicker WILL go away.

And IF the consumer is served a complaint:

The good news is that 99% of the lawsuits can be beat in court.

If you are a consumer that is receiving letters and calls from Zwicker & Associates or ANY collection agency, contact us immediately. We can stop collection agency harassment and eliminate the alleged account entirely. DO NOT PAY ANY COLLECTION AGENCY!

Zwicker & Associates, P.C.

80 Minuteman Road

Andover, MA 01810

Phone: 978-686-2255 800-370-2251

Fax: 978-686-3538

2300 Litton Lane

Hebron, KY 41048

800-555-6694

Paul W. Zwicker, Esquire, President

John Twite, Sr. VP Operations

Robert W. Thuotte, Sr. VP, General Counsel

Micheal Koziol VP, Collection Operations

965 Oakland Rd # 3D Lawrenceville, GA 30044-3758 – (678) 407-8033

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