3129226500

They are slime balls losers who try to pressure you into paying them.

Address

Malcolm S. Gerald and Associates, Inc.
332 South Michigan Avenue
Suite 600
Chicago, Illinois 60604


Phone Numbers

Toll Free: 800.265.3796
Local: 312.922.6500
Fax: 312.922.7869

Email

mikebafia@msgerald.com

 


 
332 South Michigan Avenue, Suite 600, Chicago, Illinois 60604
Toll Free 800.265.3796 - Local 312.922.6500 - Fax 312.922.7869

call  me every day with a very message like i know who they are or something.

I worked for a phone company......If any company or person calls someone one more then 5 times a day or before the hours of 8AM or after 9PM, then you should clal the Annoyance Call Bureau or also can be known as UBC for your area. It is considered a harrassing phone call and you will have to be willing to press charges against the individual calling.  Hope this helps. :o)

They called me and said they wanted me to settle my orchard supply account for six hundred and fifty that they were willing to take four hundred and fifty. I told them I don't know what they are talking about I don't have an orchard supply account. I shop there but use my Sears card for purchases. He wanted to ask me more personal information but I just told him he had the wrong person and hung up. Yes those calls are annoying.

Use to get phone calls from them til I changed my cell number but now I get harassing letters from them saying I owe money from RIVERWALK HOLDINGS LLC which I don't know who they are and yes I know about the many calls from them they also called on sundays I guess they have no life....

Just so you all know and pass it on as well.........
US CODE: Title 15,CHAPTER 41 SUBCHAPTER V is very helpful on this issue.  There is a letter format you can use to stop the harrassing phone calls.  If they have received the letter then call you they are libel for the debt.  You can go through your local Attorney General if they do.  Some of the slimeballs out there will call you a liar and say that there is no such code when you tell them but if you co to http://www.law.cornell.edu/uscode/15/usc_sup_01_15_10_41_20_V.html you can getr all the info you need.  SO PASS IT ON.

It is 9:36 pm here in CT.  I just received two telephone calls from this company.  (I thought that debt collectors weren't allowed to call you before 8 am or after 9 pm?)

Anyhoo, the first time I answered, I said "Hello" twice, and the person on the other line just said "Sorry" twice, so I hung up.  The second time they called, I picked up the phone and asked who it was.  They asked for me and I told them that it was after 9:00 pm.  The woman on the other end said, "9:00 pm?  It's not even 9:00 pm here; we're on Central Time."  I told her, quite nastily, that I am on Eastern Time, it was after 9:00 pm, and to not call me so late.  I then took the liberty of slamming the phone down in her ear.

Hello All,

The collection agency, Malcolm S Gerald, is located in Chicago. If you received a call from them, there is only one reason; They want your money. They want you to open your check book, or debit card. Don't be fooled. Even if you OWE the debt, you should NEVER pay to the collection agency. You do not owe them anything. The original creditor has written-off the debt and got their tax break from uncle Sam. So if you pay to the collection agency, it does not satisfy anything, it does not good to your credit. If anything, it will make your credit WORSE, because your FICO will trigger this account as a recent activity. So please, never pay a dime to a debt collector.

If you get call, or if you receive a dunning letter from them, send them by cerified mail, the following letter and keep a copy for youself. In addition, get a copy of your credit report, log every phone call, browse consumer boards and educate yourself about the law called FDCPA.

This letter is called, Validations of Debt. It is the ultimate weapon against debt collectors.
==================================================

YOUR NAME
Address
City, State Zip

Collection Agency's Name
Address
city, State Zip

Date

Re: Acct #

Certified Mail Return Receipt:    xxxx xxxx xxxx xxxx

To Whom It May Concern:

This letter is being sent to you in response to the telephone call I received from you on (date). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

•    What the money you say I owe is for;
•    Explain and show me how you calculated what you say I owe;
•    Provide me with copies of any papers that show I agreed to pay what you say I owe;
•    Provide a verification or copy of any judgment if applicable;
•    Identify the original creditor;
•    Prove the Statute of Limitations has not expired on this account
•    Show me that you are licensed to collect in my state
•    Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

•    Violation of the Fair Credit Reporting Act
•    Violation of the Fair Debt Collection Practices Act
•    Defamation of Character


If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file suit against you without further notice.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Signature

Your Name

This company has my phone number listed for a Carlos J., I am not that person. Carlos was kind enough to give them MY cell phone number about 6 months ago (even though I have had my cell phone number for over 2 years now) and now he is collection. I have not had any luck with getting this company to stop calling me. I am to the point of getting a new number.

These a**holes just called me and i'm a military wife and one of the first words out of their mouth was "this is a military matter" my "husband" even though we are seperated is in iraq and i thought right off the bat that something happened to him!!! I didn't tell them it was me but he wouldn't tell me much of anything, everytime i asked for more information from them he would give me the run around and say that because "she" is military she can get me in a lot of trouble if i tell you anything!!! What effin scum bags! i'm about to call a lawyer and see what they have to say, because to scare a military wife like that is absolute [***]!

I just received a call from the same number.  But no message.  I am sorry that call scared you.  I get stuff like this quite frequently.  I don't understand, why, however, I am with you.  I just wish they would stop.

Several calls from this number, requesting call back but giving no information as to who they are or what they want.

If this a collection agency.Don't panic.These guys are A holes. Ask about  who they are representing. YOu don't owe them anything. Thry to deal with creditor and don't give them any info.

NEVER pay third parties such as bottom-feeding collection agencies!
If you owe the debt, pay ONLY the original creditor!

I keep getting calls from this number as well. They leave a message with my name and ask to call them back. My sister gets calls from them too, and she actually pays them $10/month!... I've told her not to pay. She used to work at a collection agency before and keeps telling me that they will ultimately report to the credit bureau if we don't pay... does anyone know what happens if we don't pay them?...

I got a call at 4:47pm from a Mrs. Shepard... So I decided to google to number 312.922.6500...I'm glad I'm not the only one getting this calls.

They keep calling me and I just got this cell phone. I don't know who they are it's scaring me. Please find who it is!

These people called me twice. I just found out they're people from out of state trying to sell us garbage. Just ignore the calls. Never answer. Problem Solved.

Hello All,

The collection agency, Malcolm S Gerald, is located in Chicago. If you received a call from them, there is only one reason; They want your money. They want you to open your check book, or debit card. Don't be fooled. Even if you OWE the debt, you should NEVER pay to the collection agency. You do not owe them anything. The original creditor has written-off the debt and got their tax break from uncle Sam. So if you pay to the collection agency, it does not satisfy anything, it does not good to your credit. If anything, it will make your credit WORSE, because your FICO will trigger this account as a recent activity. So please, never pay a dime to a debt collector.

If you get call, or if you receive a dunning letter from them, send them by cerified mail, the following letter and keep a copy for youself. In addition, get a copy of your credit report, log every phone call, browse consumer boards and educate yourself about the law called FDCPA.

This letter is called, Validations of Debt. It is the ultimate weapon against debt collectors.
==================================================

YOUR NAME
Address
City, State Zip

Collection Agency's Name
Address
city, State Zip

Date

Re: Acct #

Certified Mail Return Receipt:    xxxx xxxx xxxx xxxx

To Whom It May Concern:

This letter is being sent to you in response to the telephone call I received from you on (date). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

•    What the money you say I owe is for;
•    Explain and show me how you calculated what you say I owe;
•    Provide me with copies of any papers that show I agreed to pay what you say I owe;
•    Provide a verification or copy of any judgment if applicable;
•    Identify the original creditor;
•    Prove the Statute of Limitations has not expired on this account
•    Show me that you are licensed to collect in my state
•    Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

•    Violation of the Fair Credit Reporting Act
•    Violation of the Fair Debt Collection Practices Act
•    Defamation of Character


If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file suit against you without further notice.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Signature

Your Name

I paid the third party collector like you had said people should do but what happened to me after I paid the debt another collection agency called me about the same exact debt 6 months later but this time 250$ was added on had to forward everything to my states AG office so do not pay anyone but the original owner of the debt.