7162990130

The Law Offices detailed report is now available at:

http://consumerjustice.com/consumer/agencydetail.aspx?id=7751

The office is located @ 94 Jarvis Street, Fort Erie, Ontario Canada across the broder from Buffalo, New York...Click the below link to see the Canada office located in the former "Faith In Christ Fellowship"..

http://www.streetviewofhouse.com/?place=92+Ja ... %2C+Ontario&r=e

Owned and operated by Deborah Maloney (Canadian). She purchases her portfolios under the guise "Borela Investment Corp" or "Vision Asset Management Group". They purchase payday loan debts and attempt to collect unauthorized. When her "law office" debits your bank account - it will will reflect "Integrity Management Group" who is also party tp the criminal enterprise. You think they have an "authorization" department who allegedly records debtors consent for transactions...THIS IS A LIE. In fact, they transfer the call to a co-worker who ask to verify banking information. Call is NOT recorded or do they have an authorization department. This is a SCAM!!! Don't let these people steal your money. They will not sue you, in fact, they do not have verification of debt....

Please contact the New York Attorney General Offices for assistance and referral to a local consumer law professional (The Law Offices of Kenneth Hiller I would recommend). Consumers may also contact the Ontario Ministry of the Attorney General, Brian Pitkins, Ontario Registrar for Collections, The Law Society of Upper Canada and local authorities (Niagara Regional Police).

Deborah Maloney is a junk debt collector who runs a Buffalo, New York based paper-mill, churning out junk debt claims faster than spinning off a roll of toilet paper. She makes threats anyways to give credence of validity in hopes consumers pay. She operates this "law firm" at 94 Jarvis Street in Fort Erie, Ontario CANADA L2A 2S4 (local contact 905-991-8405) accross the border from Buffalo, New York.

She claims the ability to file lawsuits (and purchases these accounts) for her bottom feeder operations such as Vision Asset Management Group, LLC an affiliate company, The Law Offices (scam operation), DMG Consulting (licensed as a collection agency in Ontario CANADA registered to Deborah Maloney), Borela Investment Corporation (disguise LLC "shell" company) and others on debts that usually have little or no valid documents to back them up. They paid pennies on the dollar for those junk debt accounts. (Like buying a used car with stick shift, AM Radio, No Air Conditioner and Crank Windows.lol...)

Several consumer attorneys state that if you contest her (bogus?) court filings (if applicable) and they do not pass legal scrutiny… bye, bye lawsuit!

When a bottom-feeder purchases an account, a consumer no longer has liability with the original creditor. The burden of proof lies solely on the purchaser of said account to establish validity in a court proceeding. Junk debt owners/collectors usually pay their own employees to falsify court papers because they lack valid documents from the original creditor. Most hope consumers either will not show up and end up taking a default judgment, or cave in by agreeing to a monthly payment schedule.

Both choices are a major mistake that will negatively impact consumers and consumers families for many years.

If you and your attorney challenge that claim, based on their inability to provide a valid chain of ownership and they lose,there is no judgment, you walk and keep your money.

If you do not, you could end up paying thousands of dollars more than that what the junk debt buyer paid to obtain that account. In addition, you must also consider the trauma, embarrassment, and stress associated with having a judgment on your credit for seven years. You also face the on-going problem of your bank account being garnished and possibly many more years of harassment with collectors working for The Law Offices.

A consumer law professional is experienced in challenging the lies and bogus filings brought into court by these junk debt litigators. Their involvement could result in a dismissal of that claim by the court. Your cost of hiring a consumer law professional is small in percentage of what the debt could ultimately cost you and your household.

There is no guarantee that this works every time, however most experiences are that these consumer attorneys do a much better job in defending than Deborah Maloney would in litigating or attempt to anyways. We all know that experience, knowledge, and professionalism trump greed every time.

Why would anyone put up with a debt collector when you have the ability to control outcome for a fraction of the cost of having to deal with the expense associated in a judgment.

Contact a well qualified consumer attorney if you are dealing with The Law Offices, DMG Consulting (Fort Erie, Ontario CANADA), Borela Investment Corporation (same entity as The Law Offices) or Vision Asset Management Group, LLC (an affiliate company).

Myself, brother, and mother have been receiving phone calls from "The Law Offices" regarding my sister.  I told them we have no idea where she is and they said she put us down as a reference for something in their file.  They told me they would take my name off the list.  We will see if this happens!!  I haven't spoken to my sister in two years, so I have no idea how they got our number.  she lives out of state!

This "Law Office" just called my place of business looking for a former co-worker and when I told them they no longer worked here they asked for the HR department....yes they were rude and I just suspected the call right away by their tone and intrusiveness and sent an e-mail to my HR dept. informing them of what they really are after looking them up online. Just fair warning that they try to get your work history, etc. info and will do it from whoever posing as whatever. I'd like to see some people brought to justice for this crap, like...oh...now, would be great.

Sounds like they were looking for you. When they asked for HR they were just verifying Date Of termination, simple information.

Law enforcement officials in Buffalo, NY with Buffalo Regional Office - FBI are investigating extreme debt collector harassment and fraud at the request of the Federal Trade Commission. Allegations involving Deborah Maloney, of Fort Erie, Ontario Canada and Allen Prudente of Fort Erie, Ontario Canada for extreme FDCPA and state wide violations regarding debt collection pyramid scheme.

As for every business out there, regardless if there a debt collection company, check there vitals with the Provincial & State Collection Agencies Registration. Even on purchased debt, you must be licensed in those States or Provinces for which you call to collect monies. There are no ways to skirt around that as one must be licensed & bonded or registered in a State to collect monies. There is always a home base and registrations required where you collect.

The law offices are really no different, even if they purchased debt portfolio's! They must be official or forward it to an agency that is official to do it for them. As for fraud, unless your debt has not been retired from your credit rating as "PAID" you have fraud. Obtaining credit information while not being licensed, does not look good for the credit reporting companies. Regardless of a charged off debt, the debt must be recorded as PAID. If this is your case, then you have fraud. If they are not licensed and they call you, get there registration number. If your investigation reveals they are not licensed, put it in writing (If you can) and notify them that you are reporting them and that you will cc the authorities and they are prohibited to call you. You can always pay the creditor directly and your not obligated to pay the agency regardless what they say or tell you.

This is where charged off debt that is sold violates many collection laws and consumer laws. For you Ontario Consumers, the statutory law is two years from date of last payment. Anything over two years, there pooched. However, there is nothing stopping them from calling you or suing you. A smart consumer is an informed consumer. Companies should be prohibited to selling there charge offs and or be limited to the number of times a debt can be sold and re-sold. All or many U.S. Banks received bail out money and still benefited financially by selling portfolio's. Where is the line in the sand to stop corporates from sandbagging consumers. If they got there slates wiped clean, on behalf of tax payers, then they too should have the slate wiped clean. But not so, as this would take the tires off a number of industries. Your damned either way.

I had a call today from "a process server" who would not give his name, telephone number or address, but did give me a case number for a collection case ... a person made an application of some kind and gave me for a reference, without my knowledge or permission.  I stated that I did not know of that person and was not responsible.  He asked me to call "The Law Offices" direct at 1-888-261-4839 and obtain more information from "the people who want to serve a writ" for collection of a debt.   I called that number just to see what kind of response I got, it sounded like the same voice off the man who had just called me, and after getting no further information I told them to take my name off of whatever they had ... the man on the phone said his name was Fred McNamee and could not take my name off ... I said it had better be taken off and he told me to not talk to him in that manner, he was just doing his job.  I said that I was not responsible for whatever was going on, I made a suggestion that did not satisfy him, and I hung up the phone.  My phone rang  back immediately but I did not answer it, and upon checking the caller ID, it was listed as "Out of Area".   I am contacting my attorney and the local Credit Reporting Agencies.  If ;you can reply to my message with any further information, please reply.  Thank you

Fred McNamee of Fort Erie, Ontario Canada - just a debt collector. I believe it would be a criminal offence both in Canada and the United States to misrepresent as a process server which is an individual whom must be licensed to be so. Sounds like more fraud Deborah Maloney and her goons are perpetrating.

Fred McNamee of Fort Erie, Ontario Canada - just a debt collector. I believe it would be a criminal offence both in Canada and the United States to misrepresent as a process server which is an individual whom must be licensed to be so. Sounds like more fraud Deborah Maloney and her goons are perpetrating.

Fred McNamee of Fort Erie, Ontario Canada - just a debt collector. I believe it would be a criminal offence both in Canada and the United States to misrepresent as a process server which is an individual whom must be licensed to be so. Sounds like more fraud Deborah Maloney and her goons are perpetrating.

Fred McNamee of Fort Erie, Ontario Canada - just a debt collector. I believe it would be a criminal offence both in Canada and the United States to misrepresent as a process server which is an individual whom must be licensed to be so. Sounds like more fraud Deborah Maloney and her goons are perpetrating.

Fred McNamee of Fort Erie, Ontario Canada - just a debt collector. I believe it would be a criminal offence both in Canada and the United States to misrepresent as a process server which is an individual whom must be licensed to be so. Sounds like more fraud Deborah Maloney and her goons are perpetrating.

Fred McNamee of Fort Erie, Ontario Canada - just a debt collector. I believe it would be a criminal offence both in Canada and the United States to misrepresent as a process server which is an individual whom must be licensed to be so. Sounds like more fraud Deborah Maloney and her goons are perpetrating.

Fred McNamee of Fort Erie, Ontario Canada - just a debt collector. I believe it would be a criminal offence both in Canada and the United States to misrepresent as a process server which is an individual whom must be licensed to be so. Sounds like more fraud Deborah Maloney and her goons are perpetrating.