716-335-9006

716-335-9006
Received a call from Jim Underwood in the arbitration room of Goldstein and Smith attemptin to collect some fraudlent debt from ace check cashing on behalf of check n go from 2007.  Advised him this was a scam and I didnt owe any payday loan furthermore payday loan lending in Maryland is and was illegal during this alleged time. Stated they were sending a processor to my address and filing a compaint in court for Bank Fraud.I filed a complaint with ConsumerFinance.gov

I just received the same call with same message left....

Received phone call from 716-335-9006 Jim Underwood calling from Goldstein and Smith Arbitration Firm...stating that I owed some payday loan from 2010...he said they had sent paperwork to me 6 months ago and then again last month and I ignored it, but I never got any papers nor phone calls until March 17, 2015, I told him I needed whatever info he had sent via US postal mail...he then put me on hold for 5 or so minutes snd some Mr. Whitfield came on line being all sarcastic about seeing me in court that he was sending processor to pick me up????????  Then said you know you owe it so just pay it....I then hung up!

SAME THINGS HAPPEN TO ME FIRST ON MARCH 13TH THEN TODAY ON MARCH 27TH ONLY DIFFERENCE SHE HUNG UP ON ME......

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/

A got a phone call from Goldstein and Smith, the area code was the 607.  He said he was  working on a fraud case against me and my ex husband.

GOLDSTEIN, CRUISE AND SMITH, LLC.
Posted in:  https://800notes.com/Phone.aspx/1-716-335-9006
Looks like they are too cheap to put up a web site.
BBB gives them a D rating with 10 complaints:  http://www.bbb.org/upstate-new-york/business- ... s-ny-235981594/
New York Dept. of State info:
Selected Entity Name: GOLDSTEIN, CRUISE AND SMITH LLC
Selected Entity Status Information
Current Entity Name:    GOLDSTEIN, CRUISE AND SMITH LLC
DOS ID #:    4658173
Initial DOS Filing Date:    OCTOBER 29, 2014
County:    ERIE
Jurisdiction:    NEW YORK
Entity Type:    DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE

Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
MICHAEL CRUZ
3886 DELAWARE AVE
TONAWANDA, NEW YORK, 14217
Registered Agent
NONE

Other complaints:
http://badfinance.org/review/1453197/goldstei ... debt-collection
http://badfinance.org/review/1477447/goldstei ... debt-collection
http://www.ripoffreport.com/reports/specific_search/Goldstein%2C+Cruise+And+Smith+Llc
http://www.ripoffreport.com/r/Goldstein-Cruise-And-Smith-Llc/Tonawanda-New-York/Goldstein-Cruise-And-Smith-Llc-My-mother-received-a-call-from-888-380-4084-for-me-in-my-1243831
http://www.scamorg.com/goldstein-cruise-and-smith-llc-39
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/http://www.ag.ny.gov/
You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.