ER Solutions Harassment – Complaints

Stop ER Solutions Harassment

If you want to stop ER Solutions Harassment, it’s important to understand the law – specifically, the Fair Debt Collection Practices Act. One thing that consumers often don’t know is that that the FDCPA requires ER Solutions and other debt collection agencies to state exactly what you owe. After all, every consumer who has dealings with the financial services industry knows how quickly fees and interest can add up. It’s easy to lose track of the total amount you owe, late payment penalties, and accrued interest. Debt collection agencies like ER Solutions often take advantage of this by attempting to collect more than you owe. ER Solutions may, for example, add on a “collection fee” or interest charge. The FDCPA prohibits that, saying that ER Solutions is not allowed to collect interest, add a fee, or attempt to collect more than the original debt or charge unless the contract that created your debt – or your state law – allows the charge. ER Solutions is also not allowed to charge you for attempting to contact you – so they can’t call collect or send you mail C.O.D.

If you want to stop ER Solutions harassment on your own, first ask for verification of the debt in writing. Then, dispute the debt – even if it’s legitimate. You can buy yourself at least one to two months by making ER Solutions jump through hoops.

How to Stop ER Solutions Harassment Calls

If you want to stop ER Solutions harassment calls, it’s important to know your rights. That’s exactly why it’s important to contact creditlaw.com. At absolutely no cost to you, creditlaw.com can provide you with a range of information on illegal debt collection practices, so you’ll know for certain whether ER Solutions has broken the law. If you’ve been subjected to ER Solutions harassment calls, stopcollector.com will also represent you – free of charge. The calls will come to a grinding halt, and you may even receive $1,000 or more in compensation. That’s because the FDCPA forces debt collectors who violate the law to pay the victims of harassment – and pay their attorney fees.

ER Solutions Contact Information

ER Solutions

800 SW 39th Street

Renton, WA 98057

800-444-8485
Under: Debt Collector Tactics, ER Solutions, Harassment Calls, illegal debt collection practices – Tags: ER Solutions, ER Solutions Contact Information, How to Stop ER Solutions Harassment Calls, Stop ER Solutions Harassment — December 13th, 2009 | Comments (0)
M.R.S. Associates Collection Agency Tactics

About M.R.S. Associates

M.R.S. Associates is an all-purpose collection agency. M.R.S. Associates covers auto deficiencies (the amount that you still over after your vehicle has been repossessed), as well as debts in the commercial, education, financial services, government, retail, technology, and telecommunications industries. M.R.S. Associates often starts collection efforts by calling or sending out emails and text messages under the creditor’s name. When M.R.S. Associates conducts third-party collections, it uses skip tracing, letters, calls, and credit reporting to put the pressure on consumers. M.R.S. Associates also pushes pre-legal and litigation recoveries through a network of lawyers, and even claims to be able to recover debts that have been discharged through bankruptcy proceedings.

M.R.S. Associates recently relocated their New Albany, Ohio, office to Westerville, Ohio, and are in the process of expanding their 150-person staff to a 350-person staff. The company headquarters is in Cherry Hill, NJ, but they also have offices in Parsippany, NJ, and Mubai, India. Since June, M.R.S. Associates has been named as defendant in over a dozen Fair Debt Collection Practices Act cases.

Stop M.R.S. Associates Harassment

If you want to stop M.R.S. Associates harassment, you need to know what you’re up against. One of the tactics debt collectors like M.R.S. Associates use is to send consumers misleading and fake documentation. It’s illegal for a debt collector to use false representation, but many people don’t realize that false representation isn’t just when a debt collector assumes a false identity, but it also applies to documents related to the collection. This means that, whether M.R.S. Associates is dealing with you or calling someone you know in order to find you, M.R.S. Associates can’t send a document that looks like (or says it is) an official court, governmental agency, or state document. The deceptive practice of falsifying documents is illegal across the board, but debt collectors’ practices can be especially predatory. Debt collection agencies like M.R.S. Associates will often mail “official” looking paperwork to consumers, hoping that people will react to what they perceive are governmental documents.

When M.R.S Associates calls you, the debt collection agent must state who they are, and tell you that they are attempting to contact you regarding a debt. Remember that a debt collector from M.R.S. Associates can’t pretend that he is an attorney, that he is a government official, or that he works for a credit reporting agency.

How to Stop M.R.S. Associates Harassment Calls

If you want to stop M.R.S. Associates harassment calls, start by contacting stopcollector.com. Through stopcollector.com, you can learn about the Fair Debt Collection Practices Act, and uncover information that will put an immediate stop to M.R.S. Associates harassment calls. It might be helpful to use stopcollector.com’s “cease and desist” letter to demand an explanation of the amount M.R.S. is claiming you owe. Or, you can avail yourself of stopcollector.com’s free case evaluation and representation. If you’ve been the victim of M.R.S. Associates harassment calls, it could be that you’re entitled to at least $1,000 in damages. After all, the Fair Debt Collection Practices Act says that debt collectors who violate the FDCPA must pay their victims. It’s worth your while to contact an attorney who is an expert in fair debt and fair credit law.

M.R.S. Associates Contact Information

M.R.S. Associates

1930 Olney Avenue

Cherry Hill, NJ 08003

888-334-5677
Under: Debt Collector Tactics, Harassment Calls, MRS Associates, illegal debt collection practices – Tags: How to Stop M.R.S. Associates Harassment Calls, M.R.S. Associates Contact Information, MRS Associates, Stop M.R.S. Associates Harassment — December 13th, 2009 | Comments (0)
End LVNV Funding Harassment

Stop LVNV Funding Harassment

If you want to stop LVNV Funding harassment, you first have to know whom you’re dealing with. One thing that many consumers don’t realize is that debt collection agents from LVNV Funding must always disclose who they are when they call you. The FDCPA states that, “A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.” That doesn’t mean collectors from LVNV Funding won’t try to hide, or leave messages without identifying themselves that ask you to call regarding a “very important legal matter.” It can be very difficult to determine whether the person you’re speaking to is from LVNV Funding, but is posing as someone else.

Whether LVNV Funding contacts you in writing or by phone, their debt collectors must be upfront and announce who they are and inform you that they are attempting to contact you regarding a debt. Yet one of LVNV collectors’ favorite tactics is for the collector to claim that he’s an attorney and can sue you. A debt collector can seek the representation of an attorney, and can sue you for non-payment, but it is illegal for debt collectors from LVNV Funding to pretend they are lawyers when they are not. Sometimes, though, the person calling may be an attorney. LVNV Funding employees are also fond of pretending that they are government officials or work for a credit reporting agency.

How to Stop LVNV Funding Harassment Calls

Virtually every consumer who is victimized by LVNV Funding wants to stop LVNV Funding harassment calls. It’s easy to stop LVNV Funding harassment calls by contacting stopcollector.com. Stopcollector.com can stop LVNV Funding harassment calls right away. That’s because the FDCPA (Fair Debt Collection Practices Act) says that, once an attorney is representing you, LVNV Funding – or any other debt collector – can only communicate with your attorney. In other words, they can no longer call you. At stopcollector.com, we can stop LVNV Funding harassment calls to your workplace, to your home, and even to your relatives, friends, and neighbors. The bottom line? Contacting stopcollector.com today can bring you the peace of mind you deserve.

LVNV Funding Contact Information

LVNV Funding

12650 Ingenuity Drive

Orlando, FL 32878

888-665-0374
Under: Debt Collector Tactics, Harassment Calls, LVNV Funding, illegal debt collection practices – Tags: How to Stop LVNV Funding Harassment Calls, LVNV Funding, LVNV Funding Contact Information, LVNV Funding Harassment — December 13th, 2009 | Comments (0)
Stop Creditors Interchange harassment

About Creditors Interchange

Creditors Interchange has been around since 1960, and is headquartered in Cheektowaga, New York. The company’s formal name is Creditors Interchange Receivable Management, LLC, and it collects on behalf of credit card companies, banks, universities, cities, and auto lenders. Creditors Interchange conducts typical collection activities, but they also collect on dismissed bankrupt accounts, and conduct business-to-business collections. Creditors Interchange also buys debt that’s been written off by original creditors. They have six call centers, one each in Buffalo, NY; Beachwood, OH; Fort Lauderdale, FL; Las Vegas, NV; Abington, PA; and Fort Erie, Ontario. Collectors from Creditors Interchange are notorious for harassing consumers over the phone. Indeed, since the summer, over three dozen federal lawsuits have been filed against Creditors Interchange for allegedly violating the Fair Debt Collection Practices Act.

Stop Creditors Interchange Harassment

Are you ready to stop Creditors Interchange harassment? If so, it’s helpful to know what the Fair Debt Collection Practices Act considers harassment. The FDCPA uses a fairly broad definition of harassment, so that illegal behavior can take several forms. Most often, but not always, it involves the telephone. A debt collection agent from Creditors Interchange isn’t allowed to call you over and over again early in the morning or late at night; repeatedly call your family members, friends, and neighbors; or call you at work over and over again. Creditors Interchange can’t use obscene language or threaten you with physical harm. Creditors Interchange also can’t publish your name – in print or on the Web.

Harassment and abuse by Creditors Interchange aren’t just behaviors limited to calling, sending postcards, obscene language, and threatening you with physical harm. Debt collectors, like those from Creditors Interchange, know how to use tactics of emotional abuse that will embarrass you to the point of desperation. The FDCPA makes it illegal for Creditors Interchange to try to embarrass you in other ways. For example, they can’t tell others (except credit agencies) that you haven’t paid your bill, and they can’t try to sell your debt to another through advertising.

How to Stop Creditors Interchange Harassment Calls

Whenever the debt collection agency steps over the line, it’s important to stop Creditors Interchange harassment calls. The more often consumers stand up and demand their rights, the more scrutiny Creditors Interchange will come under. But it’s also important to remember that you don’t have to fight them alone. Stopcollector.com will fight the good fight on your behalf, and do it absolutely free of charge. That’s because stopcollector.com is committed to standing up for the little guy – particularly during these tough economic times. When you contact stopcollector.com with information about your situation, we will help you stop Creditors Interchange harassment calls, and potentially file a lawsuit on your behalf so that you can receive up to $1,000 or more for every violation of the FDCPA.

Creditors Interchange Contact Information

Creditors Interchange

80 Holtz Drive

Cheektowaga, NY 14225

716-614-7500
Under: Bankruptcy, Creditors Interchange, Debt Collector Tactics, Harassment Calls, illegal debt collection practices – Tags: Creditors Interchange, Creditors Interchange Contact Information, How to Stop Creditors Interchange Harassment Calls, Stop Creditors Interchange Harassment — December 13th, 2009 | Comments (0)
Creditors Financial Group Harassment

About Creditors Financial Group

Creditors Financial Group is well-known for acting like a dog with a bone, never letting go of a consumer until the person is intimidated, scared, and humiliated. Creditors Financial Group plays loose and fast with the Fair Debt Collection Practices Act. Over the past year, there have been dozens of federal lawsuits filed against Creditors Financial Group. Many consumers complain about Creditors Financial Group calling their parents, sisters, brothers, and other relatives, and telling them that the consumer is under collection – which clearly violates federal law. They’ve even been known to threaten the relatives and try and convince relatives to pay off a debt.

Stop Creditors Financial Group Harassment

If Creditors Financial Group has your number, it’s likely that you’re being harassed. They call, and call, and then call some more. Your first line of defense in order to stop Creditors Financial Group harassment is knowing about the Fair Debt Collection Practices Act. One important element to learn is that the law specifies when debt collection agencies like Creditors Financial Group must send you written notification. According to the FDCPA, Creditors Financial Group must notify you in writing within five days of first communicating with you. They must state the amount of the debt, the name of the creditor to whom the debt is owed, and notify you that, unless you dispute the validity of the debt within 30 days, Creditors Financial Group will assume that you agree that you owe the money. The notification must also state that, upon your written request within the 30 days, Creditors Financial Group will furnish the name and address of the original creditor if it’s different from the current creditor.

When Creditors Financial Group doesn’t notify you within that timeframe – or ever – they’re banking on the chance that you’ll run out of time to dispute the collection claim within the required 30 days. If the debt is in dispute, it means a lot more work for Creditors Financial Group, in that they must research the debt and obtain verification. Creditors Financial Group can’t continue to collect until they provide the requested verification.

How to Stop Creditors Financial Group Harassment Calls

It’s time to stop Creditors Financial Group harassment calls. To do that, contact stopcollector.com. With attorneys all over the country standing by to assist consumers just like you, stopcollector.com can stop Creditors Financial Group harassment calls. Moreover, if Creditors Financial Group has violated the Fair Debt Collection Practices act, stopcollector.com will represent you for free. It’s free because the FDCPA mandates that collectors who violate the law have to pay consumers’ attorneys fees. So, whether you need help because Creditors Financial Group won’t validate the debt, or because you want to stop Creditors Financial Group harassment calls, your first step should be to contact stopcollector.com.

Creditors Financial Group Contact Information

Creditors Financial Group

3131 S. Vaughn Way, Suite 110

Aurora, CO 80014

303-369-2345
Under: Stop Collector – Tags: Creditors Financial Group, Creditors Financial Group Contact Information, Creditors Financial Group Harassment, How to Stop Creditors Financial Group Harassment Calls, Stop Creditors Financial Group Harassment — December 11th, 2009 | Comments (0)
Cohen & Slamowitz Harassment Tactics

About Cohen & Slamowitz

The horror stories about Cohen & Slamowitz are enough to make your hair stand on end. Managed by David A. Cohen and Mitchell G. Slamowitz in Woodbury, NY, Cohen & Slamowitz most often collect on credit card debt, such as charges to your Discover card or Visa. Consumers raise a litany of complaints against Cohen & Slamowitz. For example, Cohen & Slamowitz threaten lawsuits, issue “information subpoenas,” and threaten to talk to employers. Further, some consumers have reported that Cohen & Slamowitz representatives claim to have access to consumers’ bank accounts and property, and have threatened to liquidate all assets in order to settle the debt.

Stop Cohen & Slamowitz Harassment

Chances are, if you’ve been contacted by Cohen & Slamowitz once, they’ll keep contacting you – whether or not you actually owe a debt. Their M.O. is to pepper consumers with dozens of calls and letters. If you’re ready to stop Cohen & Slamowitz harassment, you need to take a stand. Understand that, calling repeatedly and verbal abuse are both violations of the Fair Debt Collection Practices Act. The law broadly defines harassment, which includes “the use of obscene or profane language, or language the natural consequence of which is to abuse the hearer or reader.” Under the law, Cohen & Slamowitz harassment isn’t judged based on how you felt; the more generous standard of the “least sophisticated consumer” is applied. So, harassment happens anytime the hypothetical least sophisticated consumers might feel confused or threatened. Meant to intimidate and demean you, Cohen & Slamowitz’s threats of violence, abusive language, and threatening to take property that is not being used as debt collateral are against the law.

This means that, unless you put your house, car, or other property up for collateral for the particular debt that is being collected, it is illegal for Cohen & Slamowitz to threaten to take or repossess that property. This of course, doesn’t include mortgages or car loans, which are secured by the property. But, for example, if it’s a Discover bill that they are collecting, they have no right to any property.

But debt collectors like Cohen & Slamowitz use other types of illegal threats as well. For example, they might say or imply that non-payment will result in your arrest or imprisonment. It is flat-out illegal to threaten criminal prosecution to collect a civil debt. Cohen & Slamowitz might also threaten to take action that can’t be legally taken, such as threatening a lawsuit on a debt that is past the statute of limitations, or threatening to garnish your wages. In order to garnish your wages, Cohen & Slamowitz must first take you to court, get a judgment in their favor, and then execute the judgment. In addition, garnishment is very limited in most states, and not available for all types of debts.

How to Stop Cohen & Slamowitz Harassment Calls

Debt collectors like Cohen & Slamowitz often threaten or communicate false credit information. If you dispute the debt or don’t owe it, the FDCPA prohibits Cohen & Slamowitz from making or threatening to make reports to consumer credit agencies. That doesn’t mean they won’t try, though. In order to stop Cohen & Slamowitz harassment calls, you need to have an advocate by your side. That’s where stopcollector.com comes in. Stopcollector.com won’t be intimidated by Cohen & Slamowitz, and can stop Cohen & Slamowitz harassment calls right away. That’s because, once you have an attorney, the Fair Debt Collection Practices Act says that debt collectors like Cohen & Slamowitz may no longer contact you directly.

Cohen & Slamowitz Contact Information

Cohen & Slamowitz

199 Crossways Park Drive
Woodbury, NY 11797-2016
800-293-6006
Under: Cohen & Slamowitz, Debt Collector Tactics, Harassment Calls – Tags: Cohen & Slamowitz, Cohen & Slamowitz Contact Information, Cohen & Slamowitz Harassment Tactics, How to Stop Cohen & Slamowitz Harassment Calls, Stop Cohen & Slamowitz Harassment — December 11th, 2009 | Comments (0)
Stop Capital Management Services Harassing Calls

About Capital Management Services

You have to give credit where credit is due. Capital Management Services tells it like it is, right on their website. On their home page, Capital Management Services declares their philosophy, “TIME IS MONEY.” The debt collection company wastes no time in going to whatever lengths necessary to get money from consumers. Capital Management Services collects a wide variety of types of debt, including retail charge cards, bankcards, overdraft checking, auto loan deficiencies, and telecommunications. They even go after debts that have been dismissed by bankruptcy courts. Moreover, the debt collection agency boasts that its executive team has overseen the collection of $3 billion of debt. It’s hard to believe that a company could collect that much without at least bending the rules some of the time. Indeed, since September, Capital Management Services has been named as a defendant in two dozen federal lawsuits alleging that the company violated the Fair Debt Collection Practices Act.

Stop Capital Management Services Harassment

If you’ve been harassed by Capital Management Services, you know doubt want to stop the harassment. That means knowing your rights. The first thing you should know is that Capital Management Services spends a lot of time tracking people down. They may use publicly available databases, online sources, and other means to find your address and phone number. Even if they can’t readily locate you, Capital Management Services may find your family members, friends, and coworkers.

The law allows Capital Management Services to contact other people in an attempt to find you, but the FDCPA lays down certain ground rules. Capital Management Services may contact anyone other than you for one reason only – and that is to find you. If they already know your contact information, all third-party contact is forbidden. When Capital Management Services contacts anyone other than you, the person calling must identify himself and say that he’s trying to locate you, but he doesn’t have to say whom he’s working for unless he’s asked. He can’t tell the person he’s speaking with that you owe any debt, and he can’t call more than once unless the person he’s speaking with asks him to do so, or if he believes that the person has information that is more current. If he communicates by mail, he can’t send a postcard or indicate in any way that he’s a debt collector. If the person calling you has violated any of these provisions, it’s time to stop Capital Management Services harassment.

How to Stop Capital Management Services Harassment Calls

The provisions of the Fair Debt Collection Practices Act are meant to ensure that your situation doesn’t become public knowledge, that you do not suffer from embarrassment, and that your reputation isn’t comprised at your workplace, with a landlord, or other entity that may lead to negative consequences. If it’s time to stop Capital Management Services harassment calls, then it’s time to contact stopcollector.com. That’s because the Fair Debt Collection Practices Act says that, if you’ve retained an attorney, Capital Management Services can no longer contact any of your associates; all communication must be directed to your attorney. Stopcollector.com will evaluate your case, free of charge, and will represent you at absolutely no cost to you if you need to stop Capital Management Services harassment calls. You’ve got nothing to lose and everything to gain.

Capital Management Services Contact Information

Capital Management Service

726 Exchange Street

Buffalo, NY 14210

2207 Niagara Street

Buffalo, NY 14207

700 Executive Center Drive

Greenville, SC 29615

800-457-8220
Under: Bankruptcy, Capital Management Services, Debt Collector Tactics, Harassment Calls – Tags: About Capital Management Services, Capital Management Services Contact Information, How to Stop Capital Management Services Harassment Calls, Stop Capital Management Services Harassment — December 11th, 2009 | Comments (0)
Cavalry Portfolio Services Harassment

About Cavalry Portfolio Services

A skunk by any other name still stinks. At Cavalry Portfolio Services, they don’t refer to the people who dial your phone as “collectors.” They don’t even call them “collection agents.” They actually call their collectors “Resolution Specialists.” And, they pull out the stops on patriotism, telling consumers that sending Cavalry Portfolio Services money “helps your community, your state and our nation.” Give us a break!

Cavalry Portfolio Services has offices in Phoenix, AZ; Tulsa, OK; St. Paul, MN; and Hawthorne, NY. Their sister company, Cavalry Investments, LLC, purchases portfolios of old debt, and then turns to Cavalry Portfolio Services to collect on that debt. They’ll buy all sorts of debt, such as that from utilities, telecommunications, credit cards, auto loan deficiencies, medical bills, unsecured loans, and installment loans. To further complicate matters, Cavalry Investments has three affiliates: Cavalry Portfolio Services, Cavalry SPV I, and Cavalry SPV II. Numerous lawsuits have been filed against Cavalry Portfolio Services for violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Stop Cavalry Portfolio Services Harassment

If you’re ready to stop Cavalry Portfolio Services harassment, the best place to start is with an understanding of the Fair Debt Collection Practices Act. By understanding the FDCPA, you’ll know if Cavalry Portfolio Services has crossed the line and engaged in illegal behavior.

For example, if you owe a debt, Cavalry Portfolio Services has the right to call you – unless you’ve notified them in writing that you don’t want them to contact you. However, Cavalry Portfolio Services can’t call you any time they wish. They can only call between 8:00 a.m. and 9:00 p.m., unless you’ve told them to call you at another time. Cavalry Portfolio Services also can’t call you “at a time or place known or which should be known to be inconvenient to the consumer.” So, for example, Cavalry Portfolio Services can’t call you at work if they know your employer doesn’t allow outside calls. While Cavalry Portfolio Services can call more than once, if they call you multiple times to the point of harassment, they’re breaking the law. What constitutes calling “too many times” is a tricky question, but generally, if they’re calling more than a couple of times a week, they’re probably violating the law. Similarly, calling and hanging up repeatedly is against the law.

Every single time Cavalry Portfolio Services calls you, the collector is required to tell you his true name, that he’s attempting to collect a debt, and that any information you give him will be used for that purpose

How to Stop Cavalry Portfolio Services Harassment Calls

If you feel that it’s time to stop Cavalry Portfolio Services’ harassment calls, you need to contact stopcollector.com. Because Cavalry Portfolio Services collects on debt portfolios purchased by their sister company, there’s a chance that the statute of limitations may have run out. In addition, with the help of stopcollector.com, even if you owe the money, you can require Cavalry Portfolio Services to document the debt and prove that they have the right to collect a debt owed to the original creditor.

The bottom line? Cavalry Portfolio Services will take any available advantage to collect money from you. You need an advocate by your side who will look out for your rights and put a stop to Cavalry Portfolio Services harassment calls. Stopcollector.com is ready to do just that.

Cavalry Portfolio Services Contact Information

Cavalry Portfolio Services
7 Skyline Drive
Hawthorne, NY 10532

866-483-5139.
Under: Cavalry Portfolio Services, Debt Collector Tactics, Harassment Calls, New York – Tags: About Cavalry Portfolio Services, Cavalry Portfolio Services, Cavalry Portfolio Services Harassment Calls, Stop Cavalry Portfolio Services Harassment — December 11th, 2009 | Comments (0)
NY Judge Stands Up For Consumer, Threatens Abusive Debt Collection Law Firm with Sanctions!

The New York Times recently published a great article about a law firm’s unsavory debt collection techniques, the consumer they victimized, and a judge that held the debt collector accountable.

The law firm in question is Pressler & Pressler, which knowingly sued the wrong person in an attempt to collect a debt from him. Initially, it was a case of mistaken identity. Pressler’s collector called Bronx resident, Mark Hoyte, regarding a debt owed by a different Mark Hoyte. Mr. Hoyte denied ever incurring the debt, and said Pressler was calling the wrong guy.

Pressler sued Mr. Hoyte in New York civil court for nonpayment of the debt despite having fairly clear evidence that they were suing the wrong person: Mr. Hoyte’s birthdate and social security number did not match those of the Mark Hoyte that owed the debt. As the NY Times article observed:

A person who blows off a civil court summons — even if wrongly identified — faces a default judgment and frozen bank accounts. But to date, there have been few penalties against collectors for dragging the wrong people into court.

Unfortunately for Pressler, Judge Noach Dear did not let Pressler off the hook so easily. He called out Pressler’s attorney for Pressler’s practice of suing the wrong person without proper due diligence:

“So you just shoot in the dark against names; if there’s 16 Mark Hoytes, you go after without exactly knowing who, what, when and where?” Judge Dear asked.

Mr. Wang replied, “That’s why the plaintiff is making an application to discontinue.”

The judge turned to Mr. Hoyte, who works as a building superintendent, and asked him how much a day of lost pay would cost. Mr. Hoyte said $115.

Judge Dear ordered Pressler to compensate Mr. Hoyte for his lost wages, or to face sanctions. Sanctions will be considered by Judge Dear in January, unless Pressler compensates Mr. Hoyte before their court date. A victory for consumers! Thank you, Judge Dear.
Under: Stop Collector – December 10th, 2009 | Comments (0)
Trans-Continental Credit and Collections Law Offices of Mark L. Nichter

About Trans-Continental Credit and Collections, and the Law Offices of Mark L. Nichter

Trans-Continental Credit and Collections has a huge stake in the debt collection game – and so does Mark L. Nichter, the New Jersey attorney that Trans-Continental uses to intimidate consumers into believing that legal action is imminent.

Trans-Continental has doubled down on health care debts, consumer debts, commercial debts, and government agency debts. Trans-Continental Credit and Collections takes all bets; while some debt collection agencies are selective about the companies that comprise their clientele, Trans-Continental isn’t picky. They don’t require their clients to have a minimum number of accounts, and will collect on any account with a balance over $50. Trans-Continental Credit and Collections will also take what are termed “secondary placements.” Secondary placements are debts that other debt collectors or debt collection attorneys have been unable to collect upon. You can imagine the strong-arm tactics they’re willing to use in order to collect $50 debts or debts that other agencies haven’t been able to collect.

Based in White Plains, NY, Trans-Continental Credit and Collections Corp. boasts a fee structure that is strictly commission based. In other words, they don’t get paid unless they collect a payment from a consumer. That approach differs from many other collection agencies, which charge a minimum fee or retainer fee to their clients. It’s also a bold incentive to use whatever means necessary to squeeze money out of consumers – including using the law offices of Mark L. Nichter to mislead consumers. After all, Trans-Continental doesn’t get paid unless you pay up.

Trans-Continental Credit and Collections Corp. seems to believe that the end justifies the means. The company boasts of their robust litigation program, and says (in so many words) that they will take anyone to court (or threaten to take them to court) if they think they can collect. Sometimes those threats come in the form of collection letters sent in envelopes with attorney Mark L. Nichter’s return address. The bar they set is low. According to Trans-Continental Credit and Collections’ website, “If a person has assets such as a home or auto and is gainfully employed, we would probably request your authorization to litigate.”

Trans-Continental Credit and Collections Corp. turns to the people at law offices of Mark L. Nichter, Esq. when they threaten legal action. Mark L. Nichter actively works on behalf of Trans-Continental Credit and Collections Corp. Mark L. Nichter, Esq. is licensed to practice law in New Jersey, yet the New York-based Trans-Continental Credit and Collections Corp. has used the law offices of Mark L. Nichter to send correspondence to New York residents. Mark L. Nichter hasn’t been licensed to practice law in New York since February 2008. These letters, then, may be a violation of the Fair Debt Collection Practices Act.

Stop Trans-Continental Credit and Collections Harassment

Trans-Continental Credit and Collection publicly proclaims (through its website) that it will go to almost any length to collect a debt. If you’ve been harassed by Trans-Continental Credit and Collection, you may have experienced what so many other consumers have experienced: violations of the Fair Debt Collection Practices Act. To stop Trans-Continental Credit and Collections harassment, you may be able to join a class action lawsuit against Trans-Continental and Mark L. Nichter being brought on behalf of consumers by Lemberg & Associates law firm.

The Fair Debt Collection Practices Act says that, “a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.” When a consumer gets a letter in an envelope with an attorney’s return address, the consumer makes a reasonable assumption that the attorney is acting on behalf of the debt collector.

When letters on Trans-Continental Credit and Collections letterhead are sent out to consumers in envelopes with return addresses from the law offices of Mark L. Nichter, a number of issues arise. For example, does such a letter come from an actual attorney if the attorney isn’t licensed to practice in the state? Or, does this constitute false, deceptive, or misleading representation under the Fair Debt Collection Practices Act? Additionally, do the envelopes represent a deception by Trans-Continental Credit and Collections, since a reasonable person would interpret that the envelope contained a letter from an attorney, and upon reading the letter, that an attorney may become involved in the collection effort? The Fair Debt Collection Practices Act prohibits the mailing of debt collection letters using a name other than their own as the return address on envelopes. Finally, an attorney is supposed to perform a “meaningful review” of a person’s account prior to sending a letter with a return address from the lawyer. In other words, the law offices of Mark L. Nichter should have reviewed the cases of everyone to whom a letter was sent, yet these letters are mass mailed, making it unlikely that the law offices of Mark L. Nichter actually reviewed each and every account.

How to Stop Trans-Continental Credit and Collections Harassment Calls

If you’re ready to stop Trans-Continental Credit and Collections harassment calls, or you have received a collection letter from Trans-Continental Credit and Collection in an envelope with a return address from the law offices of Mark L. Nichter, you should immediately contact Lemberg & Associates, through stopcollector.com. Lemberg & Associates, and stopcollector.com, are committed to bringing justice to the potentially thousands of consumers who may have been deceived via these letters. There is no cost to you for joining a class action lawsuit, and the benefits may be great.

Trans-Continental Credit and Collections Contact Information

Trans-Continental Credit and Collections

44 South Broadway Street, Suite 401

White Plains, NY 10601

914-421-3000