877-573-2104

Filed a formal complaint this am addressed to mother in law supposedly attached to our ss# and name... Case # 106328

Rec'd call looking for husband's relative. Came across like it was an attorney's office. They called my sister also. They are a collection agency. Rubin & Yates out of Buffalo, NY area.  This happened last year and they were told not to call either one us again but apparently they don't take notes.

A man called my brother and left a message that if I did not call back in 48 hrs I would be sued in court this mans name is Mr. Mitchell.He said he work for Rueben & Yates law Firm.Then I talked to a man named Rueben and it sounded like his name was Yates and he kinda muffeled it.He told me that I owed $3500 on a credit card that I never had in the time frame that was being disputed.So I said I would call back the next day. I talked to my lawyer and she said dont give them nothing 1st because the debt is almost 10 yrs oldand 2ndly a real lawyer would not call for a creditor and give you 48 hrs to call them back or they will sue you.People do not give them anything!Then after I asked for the Lawfirms address he said what are you talkin about this isnt a lawfirm  so he was playin stubid!So tell them to shove it!!

Just got a call from a Dan Hollister with Reuben and Yates regarding someone I've never even met and a complaint being filed against his SS#. The number came up as restricted on my caller ID but he left this number in the message and asked me to have this mystery guy call him immediately. Whatever!

My x husbands grandmother got a call from this Dan Hollister and said he was from a legal firm. So my x mother in law called me with the #. When I called this Dan wasn't available so they trasfered me to a Micheal in the legal department. He said that I have 48 to pay 4200.00 for which I was being sued for for defraud on a credit card when I ? this credit card company he told me it was a chase card, in which I maxed out n a month and they have been trying to reach me for 3 month. They had my ss# and the address was not even the right one. He dodged ? like if you have my signature that is 98.8% match where did you get it n where is the slip that had signed on the perchases.. how could I have been contacted if you had the wrong address. I request proof and an address to send to my lawyer they said they couldnt sent me the papers or email them either!
He could not tell me when or how this card was applied for. Im not convinced this is lagit at all and would not give them anything until I talk to a lawyer and get more proof!

Get this guy! He called my daughter and has been harassing her with calls on her cell, then he called us, the parents on not one of our home lines but 2. He left his number and name, told us it was a civil matter that involved our daughter. Same number 18775732104. The Attorney General should get involved with this.

Rubin and Yates, LLC
338 Harris Hill Drive
Suite 206
Williamsville, New York 14221
Toll Free  (866) 237-6191
http://rubinandyates.com/

Report them to the NY AG's office: www.NYdebthelp.com

Nancy called my mother saying she was from Reubin and Yates, NY.  She said I had a suit against me.  She gave my mother a claim number and this above phone number.  When my mother asked for more information the caller hung up.  This is a scam!

I'm getting calls over & over in just a short amount of time.  When I see the number on my Caller ID I either hang up on them or let it ring.
This is not a legitimate debt as I have disputed it for 6 years now and have not paid a dime on it and never will!

Rubin & Yates is a criminal organization with no legitimate  address or corporate identity.  They have been sued 4 times for similar behavior but nobody has been able to successfully serve them, let alone obtain any money from them.  They are hiding out under the radar for now.   Call your local Attorney General, the FTC and the NY Attorney General and tell them to put a stop to these criminals.

Another call from "Ruben & Yates" about a 7 year old debt in my husbands name -- that we paid off at full price 5 years ago. But when I ask for an address to which I can send the proof of payoff, they hem & haw and dance around the issue. They've been harassing us for three years now! SO frustrating.

My deceased fathers best friend and my exhusbands new mother in law both received calls that my SSnumber was 'flagged' He said that he was from the 'David Anthony Michael' law firm and that he had to hear from me within 48 hours or I would be thrown in jail! I called and he told me he had to collect $1000 from me or he would take me to court tomorrow. The red flags went off when he 1) told me he had the bank on speed dial 2) asked me if I owned any land and 3)that I was talking to the lawyer whose firm I was supposedly calling (cause how many times does that happen). He also wanted me to ask friends or family for their personal information so I could get a 'personal loan'. The scary part is that he already had my SS number. I would LOVE to know how they are getting the numbers of relatives that I have never called in my life! If they payed for my SS number then they sure got screwed because I don't have a dime to my name. They called me back to tell me that 'the bank would settle" and I told them I thought they were a scam and gave them my lawyers name and phone number. To date they have not called my lawyer and so far *knock on wood* they haven't called me back either. SCAM SCAM SCAM. I will be calling the BB and the OSBI in the morning and will give them this phone number.

Received a call from this number saying there was a dispute with my SSN. I looked up the number here and this is what I found. Had my wife panicked,,,, Jerks!

Had a msg from left on our answerring machine from a Rubin Marshall claiming to be from the Law office of Rubin & Yates, trying to locate my husbands brother Mark. My husband doesn't have a brother Mark, he does have an uncle Mark and who fits the age they mention. Supposedly just need information to complete some paperwork. Tried to google the law firm, naturally found nothing. Googled the phone number and came up with all these posts. I will not be calling, or passing on the information to my Uncle, never answer the house phone anyway as it's always a charity looking for a donation.

I have been dealing w/ them for alittle while,awhile back i had spoken to a few different ppl,Dan Marino,Rubin Marshall,&Brain Evans; i did make an agreement then cuz i did know they were an illegal law firm so i did make a payment arrangment of $150 a month,i paid it 2 times,then stopped cuz i couldn't afford it no more,so i was ignoring their phone calls,but just yesterday,may 17,2010,they called my cell & left a message said that tomorrow they were going to take funds from my bank account & if there was not enough money for them that there will be a fee & if i wanted to talk w/ them about it to call them back asap;then i got online to look them up & i found these website talking about them,so now i don't know what to do;can they really take money from my bank account without me agree or allowing them?what should i do?should i go to the bank & speak to them about them ? should i call them directly? please help me anyone please

Contact a lawyer ASAP

You can get at least a consultation - or an attorney that will work on Contingency (means this illegal collector will pay all attorney fees

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

EXCELLENT RESOURCE you can also post your questions here http://www.collectorsexposed.com/forum2/index.php


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/forum2/index.php
link 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

BEWARE!  These guys are a complete lie.  They try to make anyone and everyone pay for a debt that they cannot prove.  They contact you and your relatives over and over again.  They will tell you about what they are going to do in "48 hrs" if you don't pay.  Be careful never give them a dime and ask them to prove the debt.  Good Luck!

This company is a total sham! Do not confirm any information with them or give them any personal information. They also collect information from people that you know. They are liars and very tricky at what they do. They were attempting to collect a debt that I went bankrupt on over 10 years ago. Please be aware and protect your privacy. Their correspondence was almost comical.

These people called my mother to try to get a message to me about a file. Turns out it was my hsbc credit card i took out last year. I knew i didnt pay it because i lost my job. The said they wanted to help me get this resolved by offering a settlement? They said if I paid today I could save alomost half the balance. I borrowed the money from my mother and got it paid. Im glad I did, It feels good to get this paid. He even said my credit report would be updated for me and it would look alot better. Its been lingering over my shoulders now for the last year. I read all these issues about them online, but the man i dealt with (Mr. Hollister) was actually really nice and explained the situation to me professionally. I think all of you that have negitive stuff on here just simply dont want to pay your bills. Well at least mine is paid.

Recieved call from Dan Holister 1-877-573-2104 ext 108- Don't call bac k they try to get personal info from you!!!