716-587-7553

I have been receiving garbled messages for weeks, claiming if I don't do something (too garbled to know what), that papers will be filed with the county. I have nothing going on, checked my county as well as nearby counties at the courthouse.

This number then TEXTED me, at 9:13 am, claiming that I was another person. It is indeed Spire Recovery Solutions, after doing some Internet checking. HOWEVER, using the form for email that Sprire provided after searching on my own for Spire's website, I gave them the reference number, told them that I had no idea who the person was, and they better leave me alone. They sent me an email wanting to know my phone number so they could remove it. I went back to the form, told them if they couldn't figure out from the reference number, too bad. They sent ANOTHER email, claiming they couldn't figure out from the reference number, as there were too many phone numbers listed.

I went online in search engine, found the guy in question in about 30 seconds.

Blocked and on my list!

Dear MELISSALUNA, We're contacting you from Spire Recovery Solutions about your account (Ref: 4045993). We offer flexible arrangements and settlement options. Please contact us: Call: 716-587-7553 Text Online: https://portal.spirerecoverysolutions.com/Login Your prompt response is appreciated. Note: This is an attempt to collect a debt and any information obtained will be used for that purpose. Thank you. Text STOP to opt out

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the 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.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

SPIRE RECOVERY SOLUTIONS LLC AKA CORNERSTONE RECOVERY GROUP,LLC.

Web page with an address in Western New York:  https://spirerecoverysolutions.com/contact-us/

This is previously what the BBB said about Spire:
BBB page gives them a B+ with 10 complaints and it seems the company did not want to cooperate with them and properly identify itself.  Now why would that be if they are honest and fully legitimate and compliant with the FDCPA?

BBB now gives Spire an accredited A rating with 105 complaints and 8 negative reviews along with one positive review posted by an employee as of 4/24/24.  BBB also lists and alternated address for them:
http://www.bbb.org/upstate-new-york/business- ... t-ny-235980888/

New York Dept. of State info:
Selected Entity Name: SPIRE RECOVERY SOLUTIONS LLC
Selected Entity Status Information
Current Entity Name:
SPIRE RECOVERY SOLUTIONS LLC
DOS ID #:
4536420
Initial DOS Filing Date:
FEBRUARY 28, 2014
County:
NIAGARA
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)
LIPPES MATHIAS WEXLER FRIEDMAN LLP
665 MAIN STREET, SUITE 300
BUFFALO, NEW YORK, 14203
Registered Agent
NONE

Courtesy of Shillkill:
https://800notes.com/Phone.aspx/1-716-362-2812/8

ShillKill
16 Dec 2013 | IP: United States
The following is posted for informational purposes only

BBB information

http://www.bbb.org/upstate-new-york/Business- ... ga-ny-235967035

Nichols & Grant LLC
3806 Union Rd Suite 224, Cheektowaga, NY 14225
   (716) 362-8988(Phone)
   (888) 472-5873(Phone)

The BBB gives this company an F for the following reasons
   Length of time business has been operating
   155 complaints filed against business
   Failure to respond to 4 complaints filed against business
   2 complaints filed against business that were not resolved
   83 serious complaints filed against business
   Overall complaint history with BBB

The following is the domain registrant details for the website http://ngcapital.biz/

Domain Name:                                 NGCAPITAL.BIZ
Domain ID:                                   D48321778-BIZ
Sponsoring Registrar:                        GODADDY.COM, INC.
Sponsoring Registrar IANA ID:                146
Registrar URL (registration services):       whois.godaddy.com
Domain Status:                               clientDeleteProhibited
Domain Status:                               clientRenewProhibited
Domain Status:                               clientTransferProhibited
Domain Status:                               clientUpdateProhibited
Registrant ID:                               CR101454931
Registrant Name:                             Neal Esford
Registrant Organization:                     N&G Capital LLC
Registrant Address1:                         4245 Union Road
Registrant Address2:                         Suite 103
Registrant City:                             Cheektowaga
Registrant State/Province:                   New York
Registrant Postal Code:                      14225
Registrant Country:                          United States
Registrant Country Code:                     US
Registrant Phone Number:                     +1.7164793852
Registrant Email:                            nesford2457@yahoo.com
Administrative Contact ID:                   CR101454933
Administrative Contact Name:                 Neal Esford
Administrative Contact Organization:         N&G Capital LLC
Administrative Contact Address1:             4245 Union Road
Administrative Contact Address2:             Suite 103
Administrative Contact City:                 Cheektowaga
Administrative Contact State/Province:       New York
Administrative Contact Postal Code:          14225
Administrative Contact Country:              United States
Administrative Contact Country Code:         US
Administrative Contact Phone Number:         +1.7164793852
Administrative Contact Email:                nesford2457@yahoo.com

Other complaints:
http://jerkcall.com/1-855-813-3791
http://www.ripoffreport.com/r/DJRGroup/Lockport-New-York-14094/DJRGroup-Spitre-Recovery-Solutions-This-company-DJRGroup-and-Recovery-solutions-is-sayi-1228739
http://badfinance.org/review/1427619/torriere-holdings-inc-debt-collection
http://whowascaller.com/phone-number/1-210-399-8179
http://dncl.me/9093260045.tel
http://dncl.me/5132599848.tel

  It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter, email, or text (postmarked in the case of a letter) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. Unless they have communicated it to you verbally at the beginning of your conversation.  It also must contain the “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 communication 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.  If and when you get that communication you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/http://www.ag.ny.gov/

Dear Lakota Romero ... ( not my name) same as the report below came in as a text.

They have left numerous messages with my extended family (some that I don't typically have any contact with).  They have called my husband, children, in-laws, friends... etc.  How have they gotten all their numbers?  To my knowledge, I have no outstanding debt.  I even went online and tried to set up an email account so that I could obtain the Spire Recovery Solutions account so that I can see what I supposedly owe???  Guess what... it doesn't work???