716-995-2927

Called and left a message stating he was a legal assistant and someone filed a complaint against me.  I just thought it was a collector, but he said they want to address this as a fraud.  Have not called back yet.  there is nothing on the internet about the company.  Philip, Edward and Jones.  I do have some unpaid cc bills because the economy has hit me hard and I have lost work, just trying to keep a place to live and food on the table for me and my kids.

Just received 5 calls back to back from this company stating I have a debt but, I do not. I told the representative that and she continued to holler and get disrespectful and some guy took the phone from her stating he would handle the situation. She called right back acting as if she had not called me.

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

Does anyone have an address for these people?

PHILLIPS, EVERETT & JONES LLC
2846 WILLIAM STREET
CHEEKTOWAGA, NEW YORK, 14227
Started up in June, 2009.
Buy old, worthless debts, lie about legal actions.

Another Buffalo, NY drug haven for illegal debt collectors who are liars and scam artists.

Said they were going to send a summons to appear in court either to my house or job.

These people called my brother about a supposed debt I owe (not sure if it's legitimate or not) and told him that they would send a summons to him if he didn't return their phone call.  Can't something be done about these people?  My brother was worried sick!

They called my 75 year old father in Ohio about his granddaughter in Wisconsin. They made it seem like a summons and they would contact Washington Co. ( worried him that she was going to be arrested).

hhhh, i got same thing today on my machine only about my sister-in-law also stating it was washington county and i would be sent a summons if i did not call back and " clear my name"...... i think it a bunch of BS or some debt collector crap.

This is a re-incarnation of the collection operation featured on Dateline, NBC. They pose as lawyers trying to collect on debts that are old and out of statute. The collectors are acting as lawyers, investigators, process servers and anything else that will scare you into sending them money. They have no authority to file any lawsuits or take any legal actions. This is only about taking your money to buy drugs.

Tape their calls, file complaints with the NY Attorney General at
http://www.nydebthelp.com/

Each time I called them they had a different lawyers name who worked there or owned the business. Very threatening about legal actions. What a bunch of jerks! Is every debt collector from Buffalo crooked and selling drugs? These clowns are nothing more than thieves out to steal money.

Is there room in Attica prison? Screw these creeps & dopers, lock 'em up for being so stupid!

what a bunch of creeps. they are not a law office-too unprofessional. their corp papers say they just started business in june, 2009. this is a ripoff by buffalo debt collectors.

Collecting on CASHNET Payday loans they bought for 2.5 cents on the dollar.

More phone numbers-716-995-2927  888-855-1995  716-995-2928  716-995-2929- 716-995-2931  716-995-2932

Got a letter from these creeps. My 81 year old grandmother can manufacture better stationary and type more accurately then what they sent.

-WHAT A JOKE!

They are the LAW OFFICE OF JENNIFER BLACKHALL, only the NY State Bar says no one by that name is licensed to practice law.

Some ugly, nasty sounding woman (don't think she shaved in a few days) using the name of CAROLYN AUDION with a mouth moving faster than a dog chasing a garbage truck proceeded to explain they are a LAW OFFICE with paperwork ready to file in court.

Only problem is they have NO license in my state, (or any other) so they can't legally do business, so my lawyer says they can't legally file any suits.

Their letter head looks so bad you wonder if they learned to type before they popped drugs or lit their pipes.

-Is ALL of Buffalo, NY full of these dopers and crack heads? Guess Dateline will be doing PREDATOR-COLLECTOR stories for a long time.

The place they work out of used to a delicatessen. The rats and roaches are still in there, maybe they like the drugs.

This place is a joke, don't send them no money, all they do is launder it to buy drugs.

Some idiot called my job and threatened my secretary.  He told her that he knew that she was me.  He has been harassing her daily.  He left a message on my voicemail threatening to call my boss about an investigation on me.  I know it is illegal for him to discuss my business with others but apparently this company feels that they are above law.  WTF?

Called me at my place of employment.  Very abusive.  Asked them not call me again.  Will monitor.

They called me a ton of times leaving nasty messages and I finally called them back thinking that I was doing the right thing... I spoke with someone and set up a payment arrangement to pay off the past due debt that I did in fact owe. The man I spoke with (Mr. Sigh??) was very friendly and worked with me to make an arrangement that I could handle. I was set up to pay four payments and my debt would be cleared. One month, they didnt take my payment on the specified date and I contacted them to see what was up. They told me my card was declined, which was BS and I told them to run it again. He called me back and said that it wasnt declined but that they had "forgot" to process the payment. I didnt think much of it until this month when my last payment was due. They took the amount agreed upon out on the date agreed upon... well then 3 days later they charge me the SAME amount TWICE and overdrafted my account... I called and left a message with this Mr. Sigh person and havent heard back yet. If they do not refund my money IMMEDIATELY and provide VALID PROOF that my past debt is paid in full and that my card will NO LONGER be charged for any amount what so ever... I'm contacting MY ATTORNEY. These forums have me scared to death that I've been scammed now...

Tried calling number back to find out what they want and get error message that call can not be completed as dialed. i think these peeps have nothing better to do than harass-n i work nights and sleeps days so this is extrmely annoying, so i plan to just answer next time to give them a piece of my mind.

I was just reading your email today I received a call from this company saying those exact words that if I don't call them back that they will come to my job and issue a summons or take legal actions against me. I never heard of them until now and according to my cr record they are no were on it so this is a bunch of crock, how did you deal with them.

I was busy working and when I got home my cousin who I have been stay with said these guys caled sAYING i HAD BEEN in a social sercurity scam  and wanted to get to the bottom of it or I would be supenieded thanks to you I know it was a scam so I called this # and left them a very unplesant message telling them not to try this bull with me 716-995-2927 extension 215 this is # they left me so I would not believe anything these people have to say

If you find out anything about this please let me know. I'm currently in a payment arrangement with them, and have payed them at least $500.00 so far. I am paying off a payday loan from Cash Net. But I want to make sure that once it is paid, it's off my credit, and I'm clear of the debt. Please contact me at akilahthomas@live.com if you gather anymore information.