347-851-4407

I got a phone call from this number and the man knew my name, which is listed only with my first inital in phone book.  He identified himself as being from North or Northern Star Financial.  He told me I owed $8000 in credit card loans.  I said, "Excuse me?"  He then asked if I had any credit cards, and I said, "NO."  He quickly hung up on me.  I dialed the number back and it was a disconnected number.  NOTE: I have googled North Star Financial and it is located in Minnesota and seems to be reputable.  http://www.northstarfinancial.com/    Northern Star Financial is a holding company for Northern Star Bank in Minneapolis. http://www.marketwire.com/press-release/North ... nc-1040509.html

Two calls to my cell phone so far, I answer and the phone goes dead.  Call back and it does the same thing.

Received a call yesterday from this scammer (347) 851-4407. Some guy who claimed his name is John wanted to talk about my supposedly unsecured debt. Subject claimed he was from American Financial. I told the slime ball not to call back and hung up however i've already received three more phone calls ( unanswered ) from the thief today. All these calls are to my cell phone.

there are 2 bottomfeeder JUNK DEBT BUYING /FDCPA LAW BREAKING companies that go by Northstar NEITHER CAN BE TRUSTED!  

Zenith Acquisitions Corp.

Aka/ NorthStar Capital Acquisitions, LLC
aka/ Varde
220 John Glenn Drive, #100
Amherst, NY 14228
Phone:
800-479-6011 716-213-0674 716-799-8000

Fax: 716-213-0680                Fax: 716-213-0681
David L. Paris, President
Gregory Nowicki, Chief Operations Officer
Howard Hornblass, Chief Financial Officer
Web Address: www.zenithacq.com



COMPLAINTS HERE




--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below



This bottom feeder organization has a terrible reputation for purchasing old, mostly worthless debts, then manufacturing documents that appear to make them legal. Owner, David L. Paris is NOT to be trusted, nor is anything that comes out of their organization under the names of NorthStar and Zenith Acquisitions.



North Star claims they aren't a Debt Collector...

Federal Judge Refuses To Dismiss
Case Against Debt Collector & Lawyer

LOS ANGELES – A federal judge refused to dismiss a couple’s claim that N Star Acquisitions barraged them with hostile phone calls to collect a nonexistent debt. Paul and Suzette Oei say North Star representatives called their house incessantly, trying to collect a debt the Oeis allegedly owed on an Aspire credit card account, though the Oeis said they never owned an Aspire card. Suzette claimed one worker called her at work, accused her of being a liar, and when Suzette asked him to stop calling, called another 23 times. When North Star’s attorney, Paul Carruthers, sued them, they fired back with their own lawsuit, which North Star moved to dismiss for a slew of reasons. It claimed North Star was not an actual debt collector and couldn’t be held responsible for the actions of its attorney, whom it labeled an “independent contractor.” Judge Margaret Morrow rejected these arguments, as well as the Oeis’ assertion that their emotional distress claim was “akin” to a malicious prosecution claim.

CONSUMER ALERT: NORTH STAR CAPITAL ACQUISITIONS IS FILING FRAUDULENT LAWSUITS IN VARIOUS AREAS. ALL OF THE DOCUMENTS THEY USE APPEAR TO BE PHONY, AS THEY CONTAIN  LIES AND FALSE PLEADINGS. THEY MAY BE COMMITTING FRAUD IN MANY JURISDICTIONS. DO NOT FALL FOR  THIS SCAM, CONTACT US IMMEDIATELY RE: NORTH STAR CAPITAL ACQUISITIONS, WE CAN ASSIST YOU IN DEALING WITH THEIR PHONY LAWSUIT SCAM!

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.  

Northstar Location Services, LLC
4285 Genesee Street
Cheektowaga, NY 14225

716-817-6770    886-224-9824     886-224-9825 716-565-6926
877-630-6700    866-822-4256 866-328-8252

866-610-2729
866-224-9822

866-224-9823

866-224-9824

866-224-9825

866-859-0289


 Fax: 714-200-0786     716-565-6928



Head Debt

Collectors:

Joel Castlevetere, CEO
Joseph Mosey, President
Jason Castlevetere, VP
Barbara Crean, Chief Synergist



Web address:
www.gotonls.com
http://www.makeabetterliving.com
Email: jcastle@northstarlocation.com
jmosey@northstarlocation.com


--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Far too many complaints on this organization to leave them off this site. Owners Joel Castlevetere of Clarence, NY and partner Joseph Mosley are two old debt collectors who have mastered the art of collecting debts. They purchased old, (mostly worthless) accounts fore pennies, then churn out paper work to give them validity that allows them to go after consumers.
The complaints we receive are typical of the ‘Buffalo Style’ debt collectors where threats of legal actions are pending and the debt collector’s sound more like thugs than professionals do. This is typical of the history of Joel and his associates. He was once the owner of Great Lakes in Buffalo, NY, which was then, labeled one of the worst debt collectors in New York, before it was sold off.

Consumers who are contacted or have suits filed against them by Northstar should be aware that in the vast majority of cases, it is far less expensive and highly beneficial not to pay them, but to fight them. A nationwide group of consumer attorneys is available to assist you in taking on Northstar and their claims by attacking the validity of the bogus accounts they file. If you do the math on paying Northstar versus fighting them, you win by a long shot. They do not have the original documents in the majority of claims they file and most consumer lawyers are geared up to make them prove it or walk away with nothing.

The reputation of this organization and the people working there is as bad as what was featured on all the collection agencies profiled on Dateline NBC. Same tactics lies harassment, threats, intimidation, and different players. Measure the cost of a lawsuit, a possible wage garnishment, property lien and bad credit for at least seven years against what it costs to hire an experienced consumer law professional and it is a no brainer.

My recommendation, based on their experience and the mail received is to stay far away from Northstar Location Services. Contact me for assistance and referral to a local consumer law professional who can assist you in dealing with these thugs of the collection dumpster.


CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

I received a call from 847-851-4407, asking for my deceased husband.  The person said my husband owed over $5,000 in unsecured debts which is certainly untrue.  The person said he was from National Debt Center and had a staff of attorneys to "help" people like me.  I told him I didn't need his help and take my number off their list!

call went to recorder no message hung up

Caller asked for my wife who was unavailable.  Ask me if i was the husband.  I asked who is calling.  Response was "Patrick"  I asked "Patrick" to state business.  His response was again...are you her husband....and again ....i responsed  "state your business".  "Patrick" then responded with a "[***] you" and hung up the phone.

Calls from 347-851-4407, this guy told me tonight, exactly what he was going to do to me,, so beware, if you see this on your caller ID' do not answer it. He is a very nasty person. We have asked him nicely to remove us from his list, they won't we are going public with this phone number 347-851-4407 i will post on every web sight and complaint dept. This man said things to me you would not want your mother to hear. And alot of women would be scared to leave the house.

he called again just now and blocked the return number. We have tried to call it back and so has our local sheriff's dept.  I will track this down and share all info with all .. right now we know he is in new york ,anyonw with info to share please post  as I will to . New York is all about finding these people and shutting them down, please keep a call data log with this number.. and notes or statments he is making to you,.people spend time in jail for what he said to me tonight. Lets communicate and find this mouse. It was for sure the same guy.

I just received a call from this number. The guy asked for my wife. When I said she wasn't home and asked if I could take a message he hung up.

harrassing call asking for debt relief

I have been receiving calls from 347-851-4407 for about 6 months now. They state they are from American Financial Services. In just the past two weeks the gentleman on the other line has been making obscene and perverted comments to me. It has been come so bad that I am now scared.

Call came to my cell phone -- when I answered, it was just loud music - no one would talk.  No text on caller ID just the number.

Received a call on my pre-paid cell phone.  All our numbers are on the National Do-not call list.  I too tried to call back and got a 'number disconnected' message.

I received a call at my place of business. They tried to say that we owed a large debt that we disputed. I let them know that I did not owe the claimed amount and that I did not need their services. The lady called me a bastered and hung up on me. What ever this company (or non company) is doing is very unprofessional and most likely not reputable.

I've been receiving calls from 347-851-4407.  The very first time some middle eastern speaking man knew my name and said he received information that I had at least $8,000.00 in credit card debt.  He asked if this was correct and I said I wasn't sure.  He said that if I was paying over 6% on any of my credit cards that it was illegal and his company (America Financial) could help by lowering all of my credit card debt but that it would cost me nothing.  I asked for more information and he asked me if I had a checking account.  I asked him where his company was based, and he stated FLORIDA. I asked him why my caller ID was showing a New York number and he didn't know but stated that it is a call out number only and could receive no incoming calls. I immediately shut up and asked him for a call back number, stating that if I was interested I would call him back.  He said I was being rude and refused to give me any number.  I hung up and they have called back several times since then.  One time I answered and the same sounding man said he was from Northstar Financial this time.  He was also very damanding and wouldn't take no for an answer.  I won't answer the phone when I see that number, but today, I received a call from 718-605-5907 showing up as GORDON, ELAINE, so I answered it.  It was them again stating they were from America Financial and I pretended to be someone else.  These people are relentless and harrassing.  Can't anyone stop them???

Middle-Easter sounding caller identified himself as Victor - started by saying his records indicated I had over $10K in credit card debt. I informed him I was on a Do-Bot-Call list and if he called again i would report him. He said "don't show me your attitude, just hang up now" and then hung up on me.

I received a call from the same number.  He called about a dozen times.  Each time I asked him to quit calling me.  He threatened me and told me he would find me.  I called the cops and they said that I could press charges but it is going to be hard to because he has to be found.  The best thing to do is just not answer the phone if you see a new york number that you do not recognize.

Just got a call from this number.  Asked for my boyfriend (mispronounced his name).  I asked who was calling.  He said "United Services."  I asked, "United Services of what?"  He says, "United Services of Debt Management." I asked if this was a solicitation.  He replied, "I do not want to talk to you.  You do not have a brain to think."  Seriously.  I hung up.  What????

I got a similar phone call from a man with a slight middle eastern accent...trying to get my husband...told me that he was asked to call back by my husband and my husband spoke to one of his agents (no name was given) earlier.  I asked for his name and then he asked to speak w/husband again...of course he assumed he was my husband too...I asked for his company...he got snotty and said something like American Services...confirmed with husband he didn't have such a conversation...I got back on the line and told him he was mistaken and to mail us any information.....he called me a liar, stupid women and a b@#ch....beware!