602-274-9911

Do you know how to formulate a sentence?  Do you know that it is rude and uncouth to type a message all in capitals?  Do you know that it makes your message hard to read?

Do you also know that what you are accusing everyone else of doing, you are doing yourself?  Have you ever heard that assuming things makes an a** out of you?

I recieved a call from the "Office of Joe Pizzuto" as well, looking for someone that I do not know.  They made this call at my work number.  This is not the first time that they have called me.  I have told them many times that the person they are looking for cannot be found at this number.  I have had this number for over 6 years, so I really don't understand it.

So 'HAH UR FUNNY', unless you truly know what you are talking about, please keep to the facts. And please make your messages more readable. Thank you.

I had a Orchard MBN credit card from my college days well over 6yrs. About 2004 or 2005, the card company was taken over by Bank of America. I in 2006 opened a credit acct with Bank of America , thinking it would alleviate some of the strain if I transferred some of the balance. Needles to say life happened  got behind on the payments and they went into collections. I've been back and forth with Joe Pezzuto law  office about settling the debt. They have been very nasty in Particular a woman, who told me that I had no control over the situation of what was happening.  So from that point of any conversation had I recorded. Just recently I receivd two letters two weeks apart wanting to settle the debts for each account. One from the Joe Pezzuto Law off and the other from a Law offc also in the same city of the 1st Law firm, wanting to settle for the Orchard MBN card. I ALSO noticed that the client each of these firms are representing are both one in the same.....
Can someone tell me how I can go about proving that the 1st credit card was in fact taken over by BOA and that these law offices are trying to get paid twice, given that the client in each letter is the same.

caller named Ryan called from this office at 1-602-274-9911 - the following is from their webste which they hide under a title of JJP.. Direct from the caller's site - This law firm is a debt collector engaged in the collection of consumer debts.  They call trying to make you feel likethey can't get in touchwith someone with the last name.  Many have said they harass them at work.  More from their website;
http://pezzutolawgroup.com/
Welcome to the Law Office of Joe Pezzuto, LLC.  Our online payment site is an easy and secure way to quickly resolve your account. Please have your 17 digit account number and the last four digits of your Social Security number available in order to view your account and make a payment online.
What we really areis another high pressure sleez-ball clloection agency masquerading as a law firm - which we knowis illegal but we do not care.  If you get a call from them, call your state attorney general's office and complain as they are violating the law.

their info:
How do I get in touch with the Law Office of Joe Pezzuto, LLC?
You may contact us at either of our locations:
The Law Office of Joe Pezzuto, LLC
4013 East Broadway Road, Suite A-2
Phoenix, AZ 85040
Phone: (Toll Free)866-826-4101 (Fax)602-274-8811
Please be advised your call may be monitored or recorded.

The Law Office of Joe Pezzuto, LLC
6636 Cedar Ave South Suite 150
Minneapolis, MN 55423
Phone: (Toll Free)866-526-0101 (Fax)612-861-7323

their lie:
"About Us
Our staff is trained to be sensitive to the needs of consumers and to comply with consumer protection laws. We listen to consumers and work with them to find a mutual resolution. We are committed to a company environment and policy where professionalism is our number one priority."  not true - they are working with creditors to secure huge commissions by heavy handed and questionable tactics by harassing the debtors.  Nothing civil about them.

This is a typical trick with debt collectors.  In just about all states it is illegalto garnish wages.  They just want you to think so and get their large 50-60%commissions from the creditors, plus their fees.  They are con artists hiding under an umbrella of a law firm.  This activity IS illegal in most states.

know your rights about debt collectors:
http://www.dol.gov/whd/regs/compliance/whdfs30.pdf

Title III, Consumer Credit Protection Act (CCPA) (15 USC §1671 et seq. (PDF) (http://www.dol.gov/whd/regs/statutes/garn01.pdf); 29 CFR Part 870 (http://www.dol.gov/dol/allcfr ...

www.dol.gov/compliance/guide/garnish.htm

report them to you state attorney general.  It is illegal to call you this way.  know your rights.

Title III, Consumer Credit Protection Act (CCPA) (15 USC §1671 et seq. (PDF) (http://www.dol.gov/whd/regs/statutes/garn01.pdf); 29 CFR Part 870 (http://www.dol.gov/dol/allcfr ...

www.dol.gov/compliance/guide/garnish.htm

KNOW YOUR RIGHTS
typical state laws regarding debt collectors.
http://www.oag.state.tx.us/consumer/debt_collection.shtml#law
excerpt - Harassment and Fraud are Prohibited
State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to:
threaten violence or other criminal acts;
use profane or obscene language;
falsely accuse the consumer of fraud or other crimes;
threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings;
use the telephone to harass debtors by calling anonymously or making repeated or continuous calls;
make collect telephone calls without disclosing the true name of the caller before the charges are accepted.

The use of fraudulent or deceptive practices is also prohibited, including:
using a false name or identification;
misrepresenting the amount of the debt or its judicial status;
sending documents to a debtor that falsely appear to be from a court or other official agency;
failing to identify who holds the debt;
misrepresenting the nature of the services rendered by the collection agency or the collector;
falsely representing that the collector has information or something of value in order to discover information about the consumer.
 Your home and wages: Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it cannot be taken to pay a debt except for debts taken for the purchase of the home (ie, a mortgage in default), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors cannot garnish wages for repayment of consumer debt.

Aneducted consumer is a dangerous one!

KNOW YOUR RIGHTS
typical state laws regarding debt collectors.
http://www.oag.state.tx.us/consumer/debt_collection.shtml#law
excerpt - Harassment and Fraud are Prohibited
State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to:
threaten violence or other criminal acts;
use profane or obscene language;
falsely accuse the consumer of fraud or other crimes;
threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings;
use the telephone to harass debtors by calling anonymously or making repeated or continuous calls;
make collect telephone calls without disclosing the true name of the caller before the charges are accepted.

The use of fraudulent or deceptive practices is also prohibited, including:
using a false name or identification;
misrepresenting the amount of the debt or its judicial status;
sending documents to a debtor that falsely appear to be from a court or other official agency;
failing to identify who holds the debt;
misrepresenting the nature of the services rendered by the collection agency or the collector;
falsely representing that the collector has information or something of value in order to discover information about the consumer.
Your home and wages: Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it cannot be taken to pay a debt except for debts taken for the purchase of the home (ie, a mortgage in default), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors cannot garnish wages for repayment of consumer debt.

Aneducted consumer is a dangerous one!Caller: Joe Pezutto Law Offices
Call Type: Debt Collector

lol....they are so rude. The Victor guy even yelled at me when I aked for proof. I was not sure who the heck they were, i thought it wa a scam. They even called my relatives looking for me when they ALLREADY had my number..I mean really...... can you say [***]? I told them what I had arraanged and they still call everyday and it the same message........I even told them that I am available only certain hours...and yet they still call during those hours..what kind of office do they run??? They were telling me to borrow money from a loan shark or something scaring me????

good advise scott, not look us 'harassment' per FDCPA - What? Its not defined....hmmmm

so is it better to not pay and have that on your credit or have it reflected as settled, unbelievable how stupid some of you people are, but seriously you must find every excuse in the book to not resolve your bills

They don't always use their real names either.  I worked at a collection agency for two years doing data entry.  Each collector had his or her own alias.  It was for protection.  People get upset and sometimes dangerous when they feel they've run out of options and are desperate.

First time they called (three times in a row with ten minute intervals) with no message. I called them and they said they have no record of my number in their system. Law Office of joe Pezzuto. Requested that they discontinue calling me. Asked me for lots of personal info.

Immediately received another call. Asking for Julio. Told them wrong number. I am not Julio

This weeks more calls with messages for George. I am not George and do not know anyone named George.

I have no outsnading debt.

Again, they claim they do not have my number in tehir system. One more call. Then consider pursuing legal action.

They can't call you at work. Next time they call you at work just say "You cannot call me at work" and if they call you back then it is illegal.  I had someone tell me to do this, and i haven't recieved a call since.

got the same massage from the Joe Pezzuto Law firm in Phoenix, AZ...2 different numbers..the other one is 1-866-826-4101..from some young lady named Michelle..Im guessing its a debt collection agency of some kind.....did even identify what company they are representing..although I dont think they have to..will just ignore/block them until I recieve something in writing to confirm if they are indeed legite.

I have had this number showing up on my caller id for weeks.  (Several times per day.)  I just called the number and got an operator, asked who they were trying to reach (no one I know) and she was very polite and kept me on the phone until she was sure my number was removed.

I just received 6 calls within 15 minutes....that's harrassment on any/every level!  We at least  have to have time to call back.....

6 phone calls within 15 minutes!  This is harrassment on any level!  I won't be calling them back, that's for sure

Just to further add to this post.  This law firm and attorney are NOT licensed with the American Bar Association.  Also there are several outstanding complaints against this firm.  Add to it here https://www.ftccomplaintassistant.gov/.  These people are not lawyers and are preying on people.  They are scum sucking bottom feeders and must be stopped!

Here's what you don't get:  yes, "paid in full" got a monkey off his back, debt collectors made some money but in doing so they were lying sob's.  I am sure they told "paid in full" that he'd be just that, PAID IN FULL.  Truth be told, they lied to him.  His credit report will show something like "charged off" or settlement with a charge off.  Truth be told, his credit report will take a hit in some fashion.  So is the monkey really off his back like they promised hime?  NO!!!  There is still a monkey there, just a different one.

No one knows why someone has a debt and some of you assume that one who owes is "guilty" when in fact often times it's over a dispute with a credit card company.  When you dig in your heels with card companies, they add fee upon fee until they give up and close the account.  Then they sell it is "bad debt" to scumbags like Joe from a law office who lie their way to whatever they can get from someone.  Yes, if you have legitimate debt, you should make every effort to pay it but NEVER PAY IT TO SCUMBAGS WHO SAY THEY ARE FROM A LAW OFFICE!!!  They use every scare tactic that they can to the point of harassment.  They will say anything to get a buck including the use of misleading statements like "paid in full".