877-219-7774

This an identity theft conspiracy ring - DO NOT release info to them!

This person called looking for payment on an old credit card debt, stating that is was felony fraud!

I got the same call. It was weird because they called my boyfriend's cell number. Did they tell you, that you have 24hrs or they will contact your local sheriff office. It scared the hell out of me and my boyfriend.

They called my house (I don't know how they got the number) and talked to my sister and told her that they were going to send the police to my job to arrest me for bad checks, don't know what they are talking about. Very strange.

This place called my phone number earlier today looking for my ex-boyfriend. They tried to do the threatening act on their voice message; I'm well-versed enough in collection law to know to ignore their scare tactics

Note that it is against federal law (the FDCPA) to threaten legal action - especially criminal action - on a debt collection attempt. A collection agency cannot bring criminal action against you;

If you get a call from underhanded collection shops like this, demand that they provide you a mailing address so that you can send them a debt validation request via certified mail (if you're not familiar with the term, google it), and if possible, record the call (note that most states do you not require you notify the caller that you are recording).

If you are in debt trouble (like millions of Americans) and are being harassed by criminals (yes, they ARE breaking the law) like this, check out Bud Hibbs' web site or the Debt Consolidation Care forums; there is a ton of good information on those sites about how you can protect yourself from predatory collection tactics. Educate yourself, and catch one of these goons in the act of violating the FDCPA, and you can take them to court for the violation.

I received a phony debt collection call from a debit paid in 2008. The caller will transfer you around to 3 to 4 people threaten you leave you on hold for several minutes in between people, they also call several times in one day (against the law by the way). It was a ligit debt years ago but no longer. I had asked to speak to a manager, asked for an address to their business so I could verify they were ligit they refused this info to me and put me on hold again. I actually wanted to try to work with them thinking it may have been something I possibly overlooked, they would not give me any info to help me be sure they were ligit... I will not be harrassed but these dead beats and filed a formal complaint. Names I delt with, Miss Montgomery, Mr. Mark Monroe and a few others who would not spell their names for me nor  confirm for me their business name and address. They told me they were an attorneys office, if so why then could they not give me this info? Yet... they expect me to pay and give my personal banking info, right!

Ms. Montgomery is Stephanie Lowinger did time in upstate for drugs and telephone fraud!!!! At least that is what all the other sites say. She is calling my home every night,she tried to get my grandmother to pay my bail???? Im not in jail... she called me and almost had a stroke because of it....I filed a report with the attorney generals office,

I got a call stating that I would be served this coming Monday, June 28th, at my place of employment unless I paid them one lump sum of $1200 or two payments of $974.  I tried to get her to tell the name of the company and all she would say was NRA and when I told her that the receptionist said something else when she answered the phone the woman started yelling at me and talking to me like a dog.  Then she told me that the receptionist probably said Nathaniel, Ralph, Anthony & Associates and gave me a mailing address of 741 Gates Circle in New York.  Some one please help me.

These people called my Dad's home phone, which is unlisted, for my ex-husband. Advised that there was pending legal action being filed by the DOJ  (department of justice). He was advised to have my ex contact them immediately. He called me and I actually contacted them left them a message this Jeff O'Reilly called me back and advised that the DOJ was looking for him and it was important that he call them right away to stop the charges. That is a bunch of crap if the DOJ is going to file charges a phone call isn't going to stop them. I asked him why he had contacted my Dad's phone and he said since the Patriot Act was passed they have free will to find anyone possibly attached to the person and get their information and contact them. I advised him they can not do that and that my Dad has nothing to do with my ex-husband and neither did I. He refused to remove my or my Dad's information from any record. At  this point if we get any additional calls I will put a report into the State of WI District Attorney, this is against the law and these people need to be stopped.

THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

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/First.htm    
    
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

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

REPORT THESE CALLS TO THE NY ATTORNEY GENERAL ASAP AS WELL AS YOUR OWN STATE ATTORNEY GENERAL

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!

CHECK YOUR SECRETARY OF STATE WEBSITE - to see if they have a LICENSE in your state - NO LICENSE - THEY CANNOT DO ANYTHING!


Neiman, Roma & Associates  
1211 Hertel Ave. 6 Crestwood Ave, Buffalo, NY 14216
Buffalo, New York, 14216
--------------------------------------------------------------------------------
Phone No.  877-218-6991 716-447-0174 888-447-0176 888--447-0178  
Fax  

Stephanie L. Lowinger, Owner aka/Stephanie Gordon aka/Susan Powers  


Scam debt buyers, collecting on bogus payday loans.
Owner Stephanie L. Lowinger has a long & sordid reputation for illegal debt collection operations and FDCPA violations.
She has a bad repuutation for criminal debt collection behavior, with no regard for the law and consumer rights.
No license or bond found anywhere we checked.
Posing as attorneys, threatening legal actions.
This outfit is a Scam of huge proportions, they may not legally own the accounts they collect on. If you send them money, expect nothing in return.  
Aliases Other Locations  
6 Crestwood Ave. Buffalo, NY 14216

i dont condone people using ridiculous, unlawful collections. but if you owe a bill...PAY YOUR BILL. dont be a [***] and scam your way out of taking money. if you owe a bill pay the bill. dont listen to these people on this site....they are all on here because they spent more then they make too. losers.

i feel the same way. i dont want to treated rudely by a bill collecter, but at the end of the day, if you took money, pay it back. there are soooooooo many sites on internet on how to go after collection agencys. how about morality? how about ethics? how about not stealing? how about not spending more then you have? how about taking responsibility for returning the money you took, not crying because someone called you to pay your bill? if you took money, YOU DESERVE PHONE CALLS!!!! and for the people on this site, find a new hobby, other than telling people they shouldnt pay back their bills. thats called stealing!!! what a bunch of scumbags you all are... worse then the bill collecters your all crying about... you thieves!!! thanks for the economy people that take money then cry when they get a call to pay it back!!! you are the bottom of the barrol, people of this website. i wish i could steal from you how you stole from credit cards. if i took your money, you wouldnt feel the way this site tells you too. becasue this site is for scum that steals from others then teaches you how to screw them after you already got your money!!! what scum!!!

first of all it is common sense....secondly, most people are willing to pay their bills....when the company is legit!!! I am sure that you work for the company, as do most people who put belittling, rude replies to what people are trying to inform others of...no one has said don't pay your bills....what people have said is don't pay Neiman, Rona and Associates, as they are not a legit company...but yes, common sense is an oxymoron...because obviously, if you had any, you would see what people on this site are saying and not defending the company that breaks laws, uses threats and harasses people to get them to pay debts that aren't vaild....

According to Erie County court records, Stephanie Lowinger has a new business name; it's Gordon Cappolli & Associates. The address I found is 255 Great Arrow, Suite 4, Buffalo, NY 14216. The person I talked to at the NY Attorney General's office said this was a common tactic of hers -- changing her business name when the complaint volume got too high. I'm posting this in several places to make sure she doesn't get away with it.

your right but neimen rona and associates is the same address as godan capoly they changed there phone # and fake names. stephanie may go by ms gordan.dont belive these people please help get this co shut down call buffalo ny  police call ur attorney general asap

Per a legal document in the case, prosecutors were tipped off to the internal workings of this outfit by a Buffalo collector, Damario Turpini, who sang like a canary and dropped a dime on Lowinger and three other agencies in the Buffalo area.  Likely just trying to save his own skin.  Amazing how the rats on a sinking ship will always climb all over each other.