855-855-1473

this number called my parents home looking for my dad on an identity theft matter, he was unable to call back so i did...they are a scam and looking to get more money from me for a payday loan i took out 10 years ago!!! they are scammers!

I received a message while I am sitting in Kuwait City, Kuwait of all places, about someone who is scheduled to serve me at my house or place of employment. So If I am not in the country then how are they going to do this? Some people just dont get it, laws are laws and this would be another debt collector trying to collect on who knows what. I know that before I took my job overseas that it is mandatory that you have no debt well last i checked i cleaned all of my credit had it reviewed and approved. So who is this?

This is an offshore payday loan debt collection extortion scam that has been going on for at least five years. The FBI is aware of it but is unable to go after those involved due to lack of money and manpower. I looked back and found some old information which may prove to be helpful:

They obtained your information through Teletrack:

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:

https://800notes.com/Phone.aspx/1-631-456-4041/2

I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less.

As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:

a) Your SSN
b) Your home address
c) Your work address
d) Your banking info
e) Names, numbers and potentially the addresses of "references"
f) A complete and total lack of ethics and a basic understanding of the FDCPA.  

I have personally filed reports with the following agencies, often with limited (if any) success:

Local Police
my state's Attorney General's office
FTC
FBI
Secret Service

Generally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  

My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.

I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.

In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  

The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  

At this point it's a stalemate with these people.  

1) While they have the lion's share of information on us, they can't really do anything with this information.  

Why?  Think about it.

If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    

Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  

2) We have no information on them.

Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works.

So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  

Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  

Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  

Nope, then they would have to identify themselves.

Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  

There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.

https://800notes.com/Phone.aspx/1-646-274-1143/3

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General’s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

PS--The FBI sent out a Press Release on this scam just last week:

Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

— filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller’s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number—or personal information of any kind—over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

https://800notes.com/Phone.aspx/1-951-489-0227

This guy says he was a Mr. Goldstien or something like that and said that i owed a grand right now from s small payday company in 08'. He also said they could go 900 and something then he says if you enter an agreement right now then we can offer an amazing low price. I asked what that was and he says we have to have an agreement first and I said ok then email me the information so I can see what it is all about and he says not without an agreement. By my knowledge I have a right to see the complaint and the charges and costs which i owe, correct? He said enter into an agreement and he will send it immediately. I explained to him I work for DOD and he says ok I guess you didnt get served by a deputy there in Kuwait, right? What a moron.
I refused to enter an agreement and he got pissed and said he was going to contact the DOD and tell them I was not cooperating. So I guess I will wait to see if "i get in trouble". He hung up on me because I wanted to see the papers and the bill and I refused to enter some agreement. I dont get it. He had a good east coast accent though!

Threatened to show up at my job and serve me with papers in ref to a payday loan said I owed almost $3000 and then said $947 and then said it could be settled for $153.00

I just recieved a call from a man stating he was to servr me papers for a law firm calling themselves B&B and associates. He told me to call this number 1-855-855-1473, if i didnt want to get servrd. I called and spoke to a Mr. Goldsteen! The number that called me was 773-819-1928. Mr. Goldsteen said I owed 2166.12 , then it went to 987.44 if i decided to do payments. Then if I wanted to pay right now it was only 200.00 only if i had a credit or debit card. Wow some people ecspecially around this time of year.
I knew this was a scam, Im glad I didnt give them my bank info!

that number is not a scam the problem is the people who take out this payday loans do not pay them back they close out there acct and the companies that provide those loans can not get in contact with them. these people know what they are doing then, claims this was a scam. Every once in a while you get a person who really didnt take out the loan and the company will review and close out the file and make them aware and also the proper steps to take to clear their name. But the rest of the people are the real scammers.....

You need to come up with some new material Troll. That line of Bull you're using is getting very stale. The fact of the matter is that the collector is required to adhere to the FDCPA. When the collector does not, the case is closed. The collector is attempting to collect a debt that he has no legal claim to or a debt that is invalid. There are no other scenarios. No excuses.
If you'd like to know more about scammers, simply look around. If you're a collector attempting to fraudulently collect on PDLs you're surrounded by scammers. You work with them. You were trained by them. You're paid by better scammers than you are. You'll be fleeced by them & you'll watch as assets disappear as quickly as business names change & new box numbers appear at UPS stores. People have caught on little-man. You're a loser in a dying business.
Skeff Ett Liv!
Gunnar

Thankfully these loans are illegal in my state you there for you cannot collect.

called indicated fraud activity, issued a warrant

Someone named "Alicia" called my Mom and said that they were trying to contact me about an outstanding debt.   Completely false.   Oh, by the way I have never in my life taken out a Pay Day Loan.

THIS IS A SCAM!!!

The name on caller id is:  Sterling Associates 959-200-4699.

Message states caller is from IRC and they are calling regarding  fraudulent  banking activity.
Their call back number is 855-855-1473 X6472.  The women was so confused, she couldn't even get her script straight.

This was reported to the State of CT Consumer Protection DIvision - Bank Fraud Unit.

They are aware of this scam.  They advise - Ignore calls

they are not a scam just because it was ten years ago does not mean u don't owe it. you get something pay it back. point blank period.

Nice job replying to a four and a half year old post, there, shill!
I wonder how many states have a SOL on debt that exceeds 10 years.
People should pay what they owe but not to scammy debt collectors like this outfit.

If you know it is not a scam, then that means you know the name and physical location of this business. Please provide that information.

Except you won't, because it would mean law enforcement could find you and put a stop to your frauds.

Also, Josephine never said she had not paid off the loan. Your mindset is that anyone who complains is lying, because you are a liar.

IRC (Information Retrieval Center) and Sterling are part of the:

“Looks like fraudulent activity” scammers.  A short history.
History on 800notes.

From 800notes going back to about 2013.  Serious scammers.

201-205-1088                        Process and Summons Division, Goldman, Goldman and Associates
202-792-8900
202-930-5562                        Inktel direct
203-610-6460                        Information Center, Berk and Meyer
207-221-0836                        IRC, Sterling and Associates
207-494-5385                        IRC  Information Retrieval Center  Process and Summons Division
207-710-0712
208-391-7854                        Intell Direct  Process Summons Division
208-391-7727
216-920-7714                        AAL, Access Processing
216-920-7662                        Goldberg and Associates
251-308-6592                        Process and Summons Department, Constance Graham
302-300-1102                        Goldman and Associates   ,  Vicky Power
302-336-8445                        Goldman and Associates
302-380-7523                        Pre-legal Offices of Integrated Financial, LIFA, PACIFIC RECOVERY SOLUTIONS  AND GOLDMAN ASSOCIATES LEGAL DPT, Legal Services, GMA, Processing Summons Division, Goldman And Associates
302-861-5020                        Allen and Associates
314-884-3226                        AAL, Process Summons Division
318-553-5147                        Goldman and Associates
334-557-7812                        Sterling Associates
347-578-9284                        Goldman and Associates
385-232-7228                        Bronson and Associates, Process Summons Divisions BA and Associates Concord Resolution.  An entry dated 6-3-2015 on 800notes puts up a CID of  Concord Resolution
414-882-2164
443-478-4433                        Goldman & Associates of Baltimore, MD
501-507-0888                         Inktel Direct
539-664-7349                        Goldman and Associates
601-909-4404
720-446-0595
401-223-3248                        Brunton and Associates,  (Bronston and Associates?)
401-680-0674                        Fraud Department
406-545-7381                        Alexander and Associates
406-944-1800                        National Lawyers Association
501-507-0888                        Intell direct (also Inktel Direct)
512-646-2261                        Arbitration Management Group
515-218-2325                        O'Connell Greenman & Associates
515-528-7933                        NCC Recovery
539-664-7349                         Inktel Direct
603-856-0867                        AAL Processing (or) Processing & Summons Division
603-856-0843                        AAL Processing
614-340-8031                       (GMA) Goldman & Associates Mediator.
617-714-0762                        Nichols and Grant/CDR
720-446-0595                        Inktel Direct
701-557-0353                        http://garrettandassociatesfirm.com    (go daddy site for sale)
708-983-7973                        B & A Collections, Bronson and Associates, Processing and Summons Division
801-889-1948                     Goldman Resolutions, Goldman and Associates
802-448-5953                     Nationwide  Attorneys Network ,  Process and Summons
802-284-4139                     Process of Summons Division, A & A Associates
802-552-0848                     Inktel Direct, Goldman and Associates

Some indication from (802-448-5953) that Fitzgerald Goldman and Associates is responsible for all these scam calls listed here.
BBB:
This Business is not BBB Accredited
Fitzgerald Goldman & Associates
(888) 304-4882
View Additional Phone Numbers
10540 York Rd STE L-200, Cockeysville, MD 21030-2300
BBB® Non-Accredited D Rating
On a scale of A+ to F
- See more at: http://www.bbb.org/greater-maryland/business- ... h.NDt1NOkc.dpuf
**
803-728-1737                             Process and Summons Division
804-420-4838                             Goldman and Associates
844-399-9881                             Inktel Direct
888-304-4882                 See:  https://whocallsme.com/Phone-Number.aspx/8883044882   An entry
                                         Dated 5-12-2015 show references to GMA and Goldman And Associates but in
                                         Fact the true company is  Fitzgerald Goldman & Associates.
901-866-5961                Process and Summons Division
913-730-7401                Process and Summons, GMA
913-730-7391                Process and Summons
916-282-1314               Process and Summons Division
920-446-0595               Intel Direct (Inktel)

8 states.  http://www.nolo.com/legal-encyclopedia/statut ... hart-29941.html

FITZGERALD, GOLDMAN & ASSOCIATES
Posted in:  https://800notes.com/Phone.aspx/1-888-304-4882/6
https://800notes.com/Phone.aspx/1-855-855-1473
Web site lists an address in Maryland:  https://www.fitzgeraldgoldman.com/contact-us.html

BBB gives them a B with 23 complaints:  http://www.bbb.org/greater-maryland/business- ... h.HGIioSkU.dpuf
They are listed as debt sellers here:  http://www.debtbuyers.com/mastersearch.asp
They joined an organization to support criminal debt collectors:  https://maca.wildapricot.org/page-1334057
Maryland Info:
Entity Name: FITZGERALD GOLDMAN & ASSOCIATES INC
Department ID: D14197305
Principal Office (Current):
SUITE L
10540 YORK RD
HUNT VALLEY, MD 21030
Resident Agent (Current):
LEON MARTIN
1531 SUNSWEPT DR
BEL AIR, MD 21015
Status:
REVIVED
Good Standing:
Yes
What does it mean when a business is not in good standing or forfeited?
Business Code:
Ordinary Business - Stock
Date of Formation or Registration:
07/08/2011
State of Formation:
MD
Stock/Nonstock:
Stock
Close/Not Close:
Close
ARTICLES OF REVIVAL (STOCK)
03/28/2014 3:27 PM            3

DEPT. ACTION - FORFEITURE
10/01/2013 10:41 PM

THE ENTITY WAS FORFEITED FOR FAILURE TO PAY PENALTY OF $ 58.00 FOR 2012.
ARTICLES OF INCORPORATION
07/08/2011 2:37 PM

Other complaints:
http://forums.debtcc.com/collection-agencies/ ... tjudgement.html
http://www.callhunter.com/tags/fitzgerald-goldman-associates
http://thetelemarketingcallsforum.com/showthr ... om-888-304-4882
http://badfinance.org/review/1410820/fitzgera ... debt-collection
http://badfinance.org/review/1508372/fitzgera ... debt-collection
http://badfinance.org/review/1501032/fitzgera ... debt-collection
https://whocallsme.com/Phone-Number.aspx/8883044882

Looks like they have been sued:
https://dockets.justia.com/docket/illinois/ilndce/1:2013cv02280/281590/
https://www.pacermonitor.com/public/case/1296 ... ates,_Inc_et_al
http://www.plainsite.org/dockets/2l1zml9xd/te ... associates-inc/
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site:  http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php