Have you been served a summons / complaint from any of the collection attorneys listed below?

You will need to file an Answer and Affirmative Defenses. You should consider an attorney because it may cost more if you lose the case pro se if you do not have an attorney fight for you. Georgia is one of the states in the US that has a large problem with litigious collection attorneys.

DO NOT PAY THESE COLLECTION ATTORNEYS! FIGHT BACK!

Fredrick J Hanna & Associates
1427 Roswell Rd
Marietta GA 30062
770 988 9055

Zwicker & Associates
965 Oakland Rd
Suite 3D
Lawrenceville GA 30044
678 407 8033

Ross Gelfand
1265 Minhinette Dr
Roswell GA 30075
770 840 8482

Lazega & Johanson
3520 Piedmont Rd
Suite 415
Atlanta GA 30305
404 350 1192

Bridgers Peters & Kleber
120 North Candler St
Decatur GA 30030
404 378 1100

These law firms are infamous for default judgments. The dockets are full of case hearings consistently every week.

There is a 99% chance to win your case if you file the pertinent documents and show up to fight.

If you cannot afford an attorney who SPECIALIZES IN COLLECTION DEBT DEFENSE – then we suggest using this guide.

http://nextlevelunlimited.net/answer-summons.php

DO NOT PAY THIS COMPANY! FIGHT BACK!

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Have you been served a summons/complaint from the Law Office of Michael J Scott? You will need to file an Answer and Affirmative Defenses.

If you cannot afford an attorney who SPECIALIZES IN COLLECTION DEBT DEFENSE – then we suggest using this guide.

http://nextlevelunlimited.net/answer-summons.php

DO NOT PAY THIS COMPANY! FIGHT BACK!

Michael J Scott

1120 Metrocrest Dr

Carrollton Texas 75006

SEE ARTICLE:

http://setexasrecord.com/news/232671-east-texas-law-firm-sued-for-violating-fair-debt-collection-practices-act

***East Texas law firm sued for violating Fair

Debt Collection Practices Act

TYLER – A consumer has filed a lawsuit against an East Texas collection law firm for violating the Fair Debt Collection Practices Act.

Canton resident Frances Glasgow filed suit against Michael J. Scott PC in Carrollton on Jan. 4 in the Eastern District of Texas, Tyler Division.

According to the firm’s website, “The attorneys of Michael J Scott PC work for some of the largest collectors of debt in the country; ranging from credit card collections and foreclosures, to full commercial litigation and judgment enforcement.”***

DO NOT PAY THIS COMPANY! FIGHT BACK!

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Have you been served a summons/complaint from the Law Office of Marvin S C Dang?

If you cannot afford an attorney who SPECIALIZES IN COLLECTION DEBT DEFENSE – then we suggest using this guide. THE DEFENSE GUIDE STEP BY STEP INSTRUCTIONS

DO NOT PAY THIS COMPANY

We have recently started working with Hawaiian consumers in regards to Marvin Dang.

Marvin S C Dang
PO BOX 4109
Honolulu HI 96812

Posted from the Star Advertisor article: (we put emphasis in article)

Honolulu attorney Marvin Dang runs what is believed to be the largest debt-collection law firm in the state, filing more than half of the 21,000 collection lawsuits in Hawaii’s district courts in fiscal year 2010.

Dang’s firm represents Hawaii financial institutions, banks, credit unions and loan companies and also major credit card issuers, such as Capitol One, American Express and Citibank.WE SERIOUSLY QUESTION

His firm, which has a VERY UNORGANIZED staff of about 50, including five lawyers, filed about 11,000 cases in fiscal year 2010 and 6,000 in fiscal year 2009, most of them for credit card cases, Dang said.

Dang, a state representative from 1982 to 1984, said the reason lenders and institutions turn to him is that his firm tries to resolve the cases before filing a suit, which would add a filing fee and other fees to the amount sought.

His staff will send letters to delinquent credit card customers and make phone calls to see whether they can resolve the (JUNK) debt, Dang said.

“It’s not the mentality of some of the other law firms, where they get the case and they sue. Our approach is to try to work things out before we sue,” he said.

Dang suggests that the number of lawsuits is a function of the economy rather than his clients becoming more aggressive in recovering on debts or the availability of credit cards.

“I don’t get a sense that they’re more willing to have cases go to suit,” he said.

“If anything, the clients are getting a little bit more flexible in terms of what they’re willing to settle for,” he said.

Dang said financial institutions and credit card companies have been more restrictive in offering credit in recent years, similar to the scrutiny for potential mortgage borrowers.

“I don’t think it’s necessarily a function that there’s been wide availability of credit cards because things have really tightened up over the past few years,” he said.

He suggests that if anyone is notified about a debt or is sued, they should talk to the creditor, the bank, the lender or the lawyer.

“There’s always a good possibility that something can be worked out positively,” he said.

Even if the offer from the debtor seems too low, his firm notifies the client and “sometimes they accept it,” Dang said.

“You’d be surprised at the number of cases in which we were able to work things out,” he said. SCARE CONSUMERS INTO PAYING

He said his firm resolved thousands of credit card as well as delinquent loan cases without going to court.

DO NOT PAY THIS COMPANY !

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“Taking Your Credit to the Next Level”

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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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“Taking Your Credit to the Next Level”

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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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“Taking Your Credit to the Next Level”

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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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