8004338784

report them to the
Federal Trade Commission
YOUR state attorney General
If you know what state they are located you must also complain to that State Attorney General

Claiming to be from the US dept of Treasury is ILLEGAL !!  

from federal trade commission website

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.



When he calls back tell him you have filed these complaints with these agencies and that you know that they are A SCAM AND in violation of FDCPA by falsely claiming to be a government representative and that they are denying you YOUR RIGHT per FDPCA to dispute the debt.  

For more info -
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
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.

This just happended to my daughter. He claimed he was from a lawyers office and he had an old address on her and my other daughter who use to live at that address at the same time. Well she told him I want a number to call you back and she did, 1-800-433-8784 and todd Holiday was the name. He got very nasty and said they ordered magazines and they owe $750 but they never ever even buy magazines and when my daughter told him she wanted him to fax a copy of the paper she supposedly signed he got very mad at her and hung up on her. Please never give anyone information about your bank accounts or anything else over the phone. If they are legit they will be able to furnish the information you request. I am glad I taught my daughters the right way to do this.

I forgot to tell you he said that there were warrants out on them because they did not show up in court today. They lived in Lackawanna NY at the time. He also said he was a lawyer, senior investigator is what he said. We called and found out there were no warrants on either daughter or court case. Not sure how he got her cell number. They have no land line phones either. Beware!

I just had the same thing happen to me...A man going by the name Todd Holiday called and said I was in breach of contract for some magazines I had not paid for..He proceeded to contradict himself 2 or 3 times during our conversation..First, saying he was from the treasury dept. then saying he was from a senior investgators office...DON'T BELIEVE HIM!!!I have called everyone from the buffalo atty generals office to the treasury dept.. The treasury had no listing for this man no matter how you spell his name...I am very,very upset he had me worried until I came to the realization that if I had in fact been in trouble with the law..first they would have found me to subpoena me and second I would have to be tried in the state the offense occurred in...Thank you all and I hope this helps anyone who is worried....P.S. The phone number once again is 1-800-433-8784 ext. 111

Same as slot of you. Mike Kamaorsski Sr investagator for N Y state clerk office in Albany. Said I owed money for mags. I asked him to spell his name his job title address of buisness and supervisors name. He became argumentitive.I stated if you don't talk I don't talk.I asked him that if he worked for NY state why his # was blocked. I made report to NY state attorney office. He will get nothing

I have got a couple calls from these people... they called me at work and asked me stupid questions and said that I would be getting free magazines just for the purpose of getting advertising out to the public and that they are targeting single working women and they came to my office and while I was really busy at work asked me to sign for the delivery and so I just signed it without reading it (my fault). then I get a bill for a ton of money ($800) and when I called to cancel and told them that I never agreed to this they said they have a recording of me saying yes to the agreement so I asked them to play me back the recording so I could prove that was not what they said It was a totally different conversation but with me ONLY SAYING YES AND NO answers and I know for a fact it was fabricated. I flipped out on the people and said who in their right mind would ever agree to pay $780 for bridal magazines for the next 6 years. The people on the phone acted like they agreed with me and said they would get this taken care of and then I get a letter in the mail saying they are sorry I want to cancel but that this is an already paid for loan and they expect me to honor the contract and that they cannot feel good about letting me cancel. I then got a couple calls from people stating they are calling regarding a legal matter and I told them the exact same thing and they said they would help me and call me back and never did now I just got another phone call from a Lisa Carter at x102 and she said that she is calling regarding a pending legal matter against me and it is urgent that i return her call. I dont think im going to call because I know this isnt right and I have filed cases with the attorney generals office and the bbb. Im not paying them a dime.

My daughter got a call on her cell phone which is in my name and was asked about her friend that is currently living with us. Wanted information to reach the friends mother. Which in turn wanted to reach my daughter's mother's ex husbands girl friend. Kind of a round about way of getting it. We question how he knew my daughters name when the cell phone number is under my name. We weren't scammed per say but they are doing an awful lot to try to scam someone else.

I had a guy by the name of Mike Kamrowski that had called my office looking for my sister. He stated he was investigating my sister and my grandma's information because my sister had put my grandma down. He made is seem like it was all innocent and tried to dig for my grandma's information because my sister was not paying her bills. After looking this Mike Kamrowski information up and finding out its a scam I called him back and he said I better hire an attorney for my grandma because now I offended him. I informed him I in no way am offending him and I don't like people acting like someone they are not to dig for information on my family. He told me to have a good day and hung up on me. Just to let everyone know he does answer the phone as Officer Mike Kamrowski and he stated this website is fake and knows all about this website.

A lady called me saying I was behind in my payments, I told her they would be paid after the first of the year, the woman who gave me no name, then proceeded to get rude with me and before she hung up...uttered the word B1tch....This I will not deal with and will not stop until I get through to the company...FRAUDULANT DO NOT EVER FALL FOR THEIR SCAM.......

Just got off the phone from returning this guys call.  Michael Kamroski (sp?) claiming to have something to do with New York court system and how I was supposed to appear in court next week.  I tried to find out who he worked for but he said no one but he was through the State of New York.  I asked if he worked for the State of New York and he said no, he was based in Michigan and continued to avoid answering.   Says he assuming I had be contacted by investigative officers last year about this matter and I said no.  My phone kept breaking up so I missed a lot.  He asked if I'd rather get a supeona  (sorry, sp?) delivered to me and I said Absolutely I would prefer the mail on this matter.  He got all pissed off when I encouraged him to send something through the mail and told he had people to deal with that would cooperate and to have a "blessed day".

I am getting calls on my cellphone along at my work.  I am being harassed by a guy by the name of Michael Kamwroski who also states that he is an investigator with the state of Michigan.  That we are now in court and will be going to jail.  But why is it I still have yet to see anything in the mail.  Quit calling me, until you forward the paperwork to back it up.

I have had this Micheal Kambrowski call my ex-mother in-laws home asking for me. My name has changed over 5 yrs ago as i was remarried. They still call her and use my other name from previous marriage. They threatened her that she would be in some serious trouble if she did not give them my information. Well she is a smart lady and took down his info for me. I called the number and get no answer. If all this is really that serious why haven't I received anything in the mail regarding this. My name change and address is all public record. I have never ordered magazines through them and there is no way in hell I would pay that kind of money for them. They can keep trying to get to me but they will never see a dime!!

he has been calling out house for two days now no reason left to call back

Inspector Mike Camarowski called my home and asked for my fiancee.  Scam talked him for 15 minutes about magazine subscriptions owed to the tune of 171.47.  Told him he need to come to NY state for a hearing.

My fiancee was polite to him but told him in no uncertain terms that he would not be traveling to NY state over this matter.

I googled the phone number and came across the info on this lastest scam.  Obviously, these scum bags can't get a real job.  They are even lousy scammers!!  What goes around...comes around!!

It is absolutely illegal to claim to be a government representative.

The Attorney General's Office is not a debt collector and would not make these calls.


From Federal Trade Commission website - Fair Debt Collection Practices Act.
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;

Report them to your State Attorney General ASAP

Inspector Mike Camarowski called me to today.  My phone number is listed under my father's name and so he asked for my Dad, not knowing what this about I just agreed with him that I was my Dad, he asked how I might know my wife(my father's daughter-in-law) i said this and he said Great you just saved me a bunch of time, it's just a matter of clearing up a few things that she may have filled out wrong, so could he have her number.  I told him that I would pass on the number and have her call him.  I then googled the number and found this, wow what a scam he sounded innocent and professional I'm so glad I googled this number.  I'm going to call back and ask him about these other messages and see what happens.

I too, got a call from Michael Camarowsky and he told me he was from the PA attorney generals office and called himself "inspector".  He terrified me into giving him my credit card information to settle a debt with 716 services, all while I was at my kids DENTIST!  I looked into this when i got home and found this website and immediately called the attorney general office.  They assured me that no one by that name worked at the office and to call my bank immediately.  "inspector" Camarowsky told me he could post-date a payment but, of course, its out already.  I left a message for my bank to call me back immediately to dispute these charges because this is preposterous.  I am furious over this!!!!!!  I am also filing a complaint through the attorney general office and I pray that they find these people and prosecute to the fullest extent of the law.

I just spoke again with "inspector Camarowski" and asked him where he lived.  He told me that that was a stalking issue.  He said I tried to use my fathers ssn, which I don't even know, and when I pressed him for more information, he said he was going to charge me with a faulty promissory and I told him to do just that.  I already have a call into the attorney generals office and I will certainly follow up with this.  He told me that he would forward all that information to the attorney general office and I told him to do just that and while he was at it, to forward the information to me as well, since I legally had the obligation to receive such information.  He hung up on me, no surprise.  Before doing so, he said go ahead, dispute the charges, and laughed.  These people are SICK, SICK, SICK!

The same exact thing happened to me today just hours ago :(  I already have new cards coming in the mail but the charges are still there were you able to dispute and get a refund from the charges made to your card?

I have been fighting this company for over 7 years now. I cancelled in the 3 days as my contract stated, however the person that I spoke with didn't follow thru. Michael Kamarawski has called my friends in MI stating he was an Officer and that I had committed some crime and then recently he called my grandmother and told her that he was calling from the Texas Courts!! He is a liar and a scammer. He is only trying to collect a debt. He is pushy and aggressive in ways that are unconscionable.