716-335-7833

Wants I to call about a case for myself association I don't know about in New York - wanting to know who this individual is and how they got my number if it's not from I when submitted some information at one time and just not receiving a resume. He claim he's responding against a report of myself.

I've spoiled my executives, now they realize how many unwanted calls are prevented from getting through because they sure notice when one gets by!
I need a raise!

These people have called my cell as well as my work phone claiming to have complaints against me when you try to google them no information appears for them on these sites.

I have received many calls on my cell at home and they have also called my work stating they have many complaints about me. I can't find any info on these people. The Guy who is calling says his name is Ruben Stienburg.

Next time you guys post something, make sure you do your research!!! I read the comments you posted and this company is LEGIT as they come!! Now (because I listened to people that i don't even know on the internet) I got summoned from this company. I avoided their calls because of what you guys POSTED and now I wish I would of never read your comments and just went with my gut instinct!!....I hope what happened to me happens to you bloggers for putting something so untrue online about this company...Next time dont bad mouth something and put false information all over the web untill you do your research!!!!

Great fake post, site hurting your "business"?

LMFAO

number now 716-335-7814 called my bro in md I live in ks wanting me to call back?saying he had papers for me now I dont owe anyone anything what could he want?

IF this post is at all true - which I find highly doubtful...

don't blame you own STUPIDITY on others

When YOU MAKE A CHOICE - you and only you are responsible!  

No one held a gun to your head - YOU CHOOSE NOT TO RESEARCH DEBT COLLECTIONS - using any number of reputable websites and CREATED YOUR OWN PROBLEMS!


THE INTERNET IS A TOOL, USE IT!

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

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY

Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm

From FEDERAL TRADE COMMISSION WEBSITE – FAIR DEBT COLLECTION PRACTICES ACT
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

These people are the real deal. I did owe a company and Ruben was very nice. He worked with me an made a payment plan. Now everthing is done and I owe no one. Wish there were more collecters like him.

They called my wife's employer regarding a credit card she had when she was 18. Nearly a decade ago! Statue of limitations have passed, and they certainly did not enjoy me informing them of that. Do your research before dealing with these people, there is a reason they will settle for pennies on the dollar!

This company is a joke. They hung up on me and refused to speak to me after I mentioned the statue of limitations. They said they would mark the call as a refusal to pay. Legal action will be taken if the calls do not cease. The "debt" has yet to be reported on my fiances credit report, which appears to be for good reason.

You must work for these dirtballs.  Your posts suck.  GFY ya [***]!

Glad we could help out  Mike.....no thanks necessary.

SAME HERE!! I just happened to be at my moms house when they called!!! Ask the female who the company was and said it was their client, but would not twll me who she was and what it was about. Wanted me to be home to deliver some documents. The only thing is the number was 716 182 9945

"Mike" from TN.....you know darn well you work for Steinberg & Associates!! They are a [***] Collection company that breaks the laws!! And I hope your [***] firm gets busted!! Collection agencies can not summon anyone without a court order!! I got your firm's scam all figured out. First you have someone from the firm call stating they are trying serve you papers and that they've tried but the person is never home. Then the person asks what's the summons for then the person then gives you a "case" number and phone number so that the "Legal Firm" can tell you all the info you need. You talk about research...your bs firm needs to do the same but my guess is they probably have and just willingly break the law!! Buy yourself some ex-lax and your co-workers too cause you're all full of [***]!! What does the Acronym SOL mean??? Statue Of Limitations as well as [***] Outta Luck!!

You work for the [***] firm too!!!

I think Good Citizen was poking fun at Mike,    not being friendly.

Called one of my clients. www.ourbizspace.com is their domain. They're an SEO company now apparently. With 1 review. I've no opinion on their services though.

Somebody named Darrell said he was calling about my website. I just registered a new domain.