Stop Collection Agency Harassment

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

NEXT LEVEL CREDIT
“Taking Your Credit to the Next Level”

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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

NEXT LEVEL CREDIT
“Taking Your Credit to the Next Level”

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We do not write about debt elimination programs that include consolidation – that RARELY works. We have yet to know of a great, successful consolidation company that helps consumer.

You have to KNOW that you should NOT pay ANY collection agency! You can stop collection agency harassment.

You can complain and help to stop debt collectors by contacting your Attorney General.

If you think you have to declare bankruptcy, you may not need to because there are options. We help the consumer to avoid declaring bankruptcy.

NEXT LEVEL CREDIT

“Taking Your Credit to the Next Level”

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CREDIT CARD COMPANIES EXPLOIT LOOPHOLES

This is why we do not advocate debt settlement/debt consolidation. We receive calls from consumers who trusted the debt settlement / debt consolidation company and next thing that happened either the company disappears or the consumer credit accounts are moved on to collections.

This situation with Linda Robertson could have turned out different had she known about our company. If she contacted us WHEN she was receiving collection letters, we would have steps for her to take for collection debt elimination and not pay any collector.

PALM BEACH, Fla. — For the companies that promise relief to Americans confronting swelling credit card balances, these are days of lucrative opportunity. Consumers rarely emerge from debt settlement programs with their credit card balances eliminated, these critics say, and many wind up worse off, with severely damaged credit, ceaseless threats from collection agents and lawsuits from creditors.

5 WAYS TO MINIMIZE YOUR CREDIT CARD PAIN

We only advocate having only one credit card for emergencies.The alternative way for credit restoration

BUILD CREDIT WITHOUT A CREDIT CARD

NEXT LEVEL CREDIT
“Taking Your Credit to the Next Level”

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We also want to list the steps to collection debt elimination and to keep putting this information out there for the consumer to use. As more consumers face financial chaos in their lives, the more likely they will face collection debt situations. There is not a demographic which limits the debt collector – over 18, under 99, doctor, lawyer, accountant, auto mechanic, retailer, real estate agent, mortgage loan officer, administrative, restaurant employee…these are consumers who are losing money due to their profession.

If you do not want/need our company to help you, YOU CAN do this process yourself. Please note that you really need to know what happens if the debt collector sends validation of the “alleged” account. What next? If you do not know the answer, then you do need us to handle this situation for you. Sometimes the VOD process is not simple.

The collection industry seems to have accelerated efforts. There have been a few new agencies that have been established in 2007/2008 hoping to catch the wave of profit. They are not going away anytime soon. HOWEVER, the more the consumer files a complaint with the Attorney General and the Department of Consumer Affairs – the more difference it makes.

Here are the steps to debt elimination.

If you have been contacted with letters/phone calls from a collection agency:

Do not assume you have to pay the “alleged” account. How OLD is the original account? Everything HAS to be in writing.

#1 WRITE a VOD letter or an SOL letter – do not call the collection agency about this matter

Send both methods because you need to have documentation of both methods of mailing. This is for YOUR documentation.

#2 SEND certified mail return receipt

Do not call a debt settlement company to assist you in paying this “alleged” account to the collection agency. Learn your rights first.

In 99% of these situations, the consumer does not have to pay.

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Many consumers receive collection debt letters in the mail regarding accounts that have already been paid (no kidding) and/or the time limit to collect has expired. Junk debt buyers have names and account numbers of consumers who have paid a collection account even as far back as 10 years ago and they try to collect AGAIN. The trick for the debt collector is that the consumer most likely does not remember or has no documents of this account so they take the debt collectors word for it. This happens often. Debt collectors and collection agencies have no conscience.

A common scenario is that a debt collector will send you a letter to you if your name is similiar to someone else who HAS a collection debt and it may be a very old account that has expired under the guidelines of the SOL. The consumer questions it and the collector “convinces” them to pay. This is not even the consumers account but the collection agencies attempt to make it an “account” when it actually has another consumer name on it. Does this make sense?

THE MOST COMMON scenario is when the debt collector will send a letter that is 5-10 years old to collect. This falls under the statute depending on which state. The debt collector KNOWS that this is too old to collect on but they send it anyway because the consumer does not know their rights. The debt collector knows they legally don’t have any rights to collect but if the consumer does not know about the SOL then the consumer will start to pay the account. Instant profit for the debt collector.

If a certain amount of time passes and the consumer has not been able to pay the collection account, there is a time limit and the collection debt will expire under the SOL. The debt collector CANNOT collect on it. Please note that the SOL does not apply to all debts. The consumer has to check their state’s civil debt collection codes. You must not ignore the collection letters that are old. You can be sued. YOU MUST WRITE AN SOL LETTER.

We are adamant about not talking to debt collectors. They will trick you into making a payment or verbal agreement and that puts the account “live” and the collector lives for the dead to come alive with the SOL accounts.

It is imperative to document all action for your records.

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The debt validation is the beginning of eliminating the account. Some say “a debt is a debt is a debt” and pay up. However, if the “owner” who has purchased the alleged account in a portfolio is junk debt and worthless – PROVE IT. The law says to prove it. If major corporations cook the books in accounting, then what makes you think that collection agencies would not create fake documentation to look legitimate. It happens all the time. Collection agencies can and do operate as a business. That is not unusual. They also operate as fake attorneys offices. Unless you are aware of these facts, you are helpless. You must write the agency and ask for proof. Letters from debt collectors are not to be ignored.

It is imperative to document all action for your records. This basically states “do not contact me until you can send valid documents”.

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You are an unfinished individual. You are always learning. It is inevitable. You cannot live on this planet and not learn. Another expression “knowledge is power” is true.

Consumers need more education regarding their consumer rights. If you do not know your rights, do you have any? Time and time again, you hear someone say that they wish they had a lawyer so they would know that was possible. Time to step up and educate yourself in the little things which turn out to be very significant. Get power with knowledge.

The education for collection debt elimination is right in front of you. With technology, it is quickly accessible. However, there is so much information regarding collection debt, consolidation, credit repair and debt relief. Where does the consumer start?

Start with reading about collection debt and debt collectors. Write down and take note of what you read. Don’t be intimidated by what you read. If anything you will be disgusted of what you wish you knew much sooner than you discovered. Don’t beat yourself up about that. There is a reason for you discovering this information and learning more. Timing is everything.

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