845-875-5208

A debt collector claiming to be “Erica Shaw or Erica Shah,” a “legal processor” from a “law firm” called “Rephen Law Firm” (which she purposely pronounced “Restin” to avoid identification online) has attempted to collect a debt she claims is $220 for a bounced check with the original amount of $70. Their phone number is 845-678-1296.

1)    She refused to give information about the alleged “law firm.”
2)    She refused to give information about the original debt.
3)    She claimed the additional funds from the original debt amount were for their “processing fees” and interest.
4)    She threatened to take me to court, sue me and take legal action against me if I did not pay the debt and their “fees” in full with an unreasonable time limit.
5)    She refused to send the debt information in writing or on the law firm’s letterhead.
6)    She became irate, accused me of doing illegal activity, and became verbally abusive on the phone when I questioned the fees and requested the information in writing.
7)    She attempted to justify the fees under the “Uniform Commercial Code” and refused to tell me what part of it she was citing or how my state, FL, had adopted it.
8)    She became irate and refused to tell me the address where I could send them a letter requesting no contact.
9)    She said their only method of payment was Western Union and at first refused a payment plan I proposed. She eventually said yes to a payment plan but refused to offer any means by which to document the original debt or document my payments with receipts.

It is obvious from the overwhelming number of online complaints made to debt/credit complaint forums (e.g., ripoffreport.com, pissedconsumer.com, etc.) that they are an illegitimate operation.

It also appears if they have set up a phony website to garner information from consumers threatened by them in order to appear legitimate: http://mharveyrephenlaw.com/.

I have reported them to the Federal Trade Commission and urge other consumers to do the same here: https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en 

DO NOT GIVE THEM A DIME.
TELL THEM TO STOP HARASSING YOU.
REPORT THEM TO THE FTC.

He calls harrassing my 17 year old daughter. Yelled at me because I told him to stop talking over me. So I called him a dumb f*** and hung up.

Your daughter is a criminal and you are an enabler and accessory to a crime.  How do you feel knowing you are subjecting your daughter to substantial legal penalties?  It must be hard going through life not understanding how to properly handle yourself and your affairs.  Maybe she needs jail.

Debt is not a crime.  You know nothing about the law, so you are obviously a collector.  Even people in JAIL know more about the law then you do, hopefully you will join them soon and get the education you obviously need.

In the meantime, check the nearest mirror -- the real criminal will be staring back at you.

Debt is not a crime but writing bad checks is a crime.   Get an education you lazy bum

Hello Joe ! how are you doing ? I can relate to what you are saying about Mr.Cooper because I got a phone call from him today about a check that was wrote out a year ago and he was very rude , direspectful, crazy, silly. I thought that I was the only person that received a call like that from Mr.Cooper until I tried to look up the law firm on the internet. He told me and my mother that he was from the law office of bradley in New city, NY. I still on the internet i did not see any law firm of bradley in  New City, NY. I thank that Mr.Cooper needs to be reported fast because he job is to call people about a past due debt in a profection , discent , manner....I did not do that so I think he need to be reported so that he can lose his job :-).

If you look up the address on google, its somone house

lOOKED UP the number and found this info VoIP Provider, XO Communications

calling for a person that does not live at this addresse. the man calling himself attorney brad rephen, was very hateful and rude.

I had gotten a call from them on my cell phone where I typically get calls from Vendors/Suppliers.  I'd answered it and he asked for me and I said "yes it is".  He wanted met to confirm my full name so I hung up.  He called back and left a message and stated that hanging up on him was very adult and that I better call him back  by the end of the following day.  Well, it's been 5 days and he called back but this time I knew the number.  And got the same message but wouldn't tell me what it was pertaining to but a case no.#.  LOL I'm not afraid 'em.  I do recall bouncing a 40 dollar check with Donatos and giving them my cell number. I'm not paying 125 bucks extra for a 40 check.  Oh well, I'll include them on my bankruptcy as a debt.

I WILL SAY THAT I HAVE NEVER HEARD ANY BODY THAT CLAIMS TO BE PROFESSIONAL TALK THIS WAY.MY WIFE AND I ARE CLEARING OUR CREDIT REPORT WHEN I CALL TO FIND OUT TO PAY THE 32.00 BILL OFF. THE BILL IS NOW OVER 200.00 WOW LET ME GET BACK TO YOU.    KEEPS CALLING. CALLS 4 DAYS LATER AND IS TRIPPING YELLING AND NOT LETTING ME GET A WORD IN SO I HUNG UP. KEEPS CALLING THREATING. I TOLD HIM I WAS CALLING MY LAWYER AND I NEEDED A NAME AND SUPERVISOR. YOU DONT KNOW THE LAW HE SAYS HE TOLD MEI WAS FULL OF [***]..REALLY I ASKED HIM REPETEDLY TO STOP CALLING SEND PAPERWORK.NEVER DID. HARRASSMENT  HE TOLD ME DETAILS ABOUT THE DEBT. THAT WAS FROM 5 YEARS AGO AND BEFORE WE WERE MARRIED.INFORMATION HE CAN TALK ABOUT ONLY TO MY NOW WIFE.ILLLEAGAL....AFTER HE SAID HE WAS RECORDING THIS CONVERSATION I SAID REALLY AFTER ABOUT 10 MIN. OF YELLING YOU FORGET TO TELL ME THE FIRST THING YOUR TO DO WHEN RECORDING THEM. IS TELL THEM.YOU HEARD IT BEFORE YOU HAVE TO VERBABLE AGREE TO IT.....ILLEGAL.. THEN I SAID I WOULD LOVE TO PLEASE HAVE A COPY OF THAT TO GIVE TO MY LAWYER....WELL I DIDNT SAY I RECORD ALL THE CALLS...LIAR SCUM I DONT CARE IF IT STAYS ON MY CREDIT FOREVER!!!!!! NOW YOU NEVER GET A CENT NOTHING..

I recieved a call out of the blue by a man that says his name is Joseph Francis with Bradley & Rephen. He is very rude and tells me that I have 17 bad checks out and that if I don't pay them over $3,000 that I will be going to jail. I tried to tell him that I did not have any bad checks out. He refused to give me any information. I finally got him to give me the name of the bank and the account number. It is my bank but it is the account # from a account that I had to close out over 2 years ago because someone had stolen checks from me and wrote checks on this account. Then he told me that there is another bank account with another bank out there in my name. I tried to tell him that it wasn't me and that I only had one account and it is and always has been with the one bank. He has called me everyday and talked to me horrible and threatened me with jail. I have told him that I do not know what he is talking about and he tells me I am not telling the truth. I had my bank call him and fax him the proof that the account that he originally stated was a fraud account and they even sent him a copy of the police report. Today he now says that the information that they sent him is not on the account that they have and I told him again that I had no other accounts with no other banks and he told me I was not telling the truth. I hung up on him. I am not being harrassed over something that I have not done. If someone was out writing checks on me I would have recieved something in the mail or a phone call before now. I even told him to take me to court and I will prove that it isn't me. He refuses to provide me with proof of these claims so I can track down what is going on and when I ask questions about the checks he tells me that he doesn't have to give me any answers. I am not paying money for something that I have not done. I spoke with the police about this man and his claims and I have spoken with the County attorney. If anyone has any information on this man please post it.

Idiot. Go back to the boiler room. NOBODY believes you.
And for them not being willing or able to send a bill out... the only reasons I can think of are that 1) they have no proof and 2) that would be commiting MAIL FRAUD and a Federal Offence punishable by Jail time!

Yawn

Dear Joe, Im a 20somthing young woman with mental illness and my only income is disablity. Mark Cooper called me a few months ago and was rude, and almost verbally violent. I callend legal aid and they said that a bad check was illegal and to cooperate with the company. So i sold my tv and all my jewerly and sent him almost $200. Then he said I could make smaller payments. First I sent only money orders but this month winter has kept me at home so i mailed a check. Ive found all these sights and hes demanding a larger payment this month. I dont know what to do, please help me.

Contact your local Legal Aid Society for assistance in locating a consumer law attorney and file for bankruptcy.

I got a call from Brad Rephen about 5 months ago. He demanded I sent in a $600 payment for the debt I owe. Which I know the debt total it about $1400, but he is saying I have to pay him $2600. It is for 2 different debts. I finally talked to him and he allowed me to send $200, all I had. He will only let me send money grams. I have sent in a total of about $900. I asked him yesterday to send me a letter in the mail stating what I owe and what I've paid. He refuses to send me anything. I have no kind of document stating that he has the debts and what fines he has tacked on. I told him I won't send him any more money until he sends me a letter in the mail stating my debt. Now I look him up on the internet and find all of these horrible things about him and his law firm. I hope I haven't gotten myself caught up in a fraud.

I received a call at my work regarding a bounced check from my husband in 2005.  I called all the local check collection companies regarding this matter. No one knew who to call.  I called 5 different places to get to this Brad Rephen firm.  First of all, my husband had no idea he had a bounced check from 2005 and it shows up at our credit union's credit report.  We bought a house 3 years ago and it was never on there.  I keep telling Mr. Rephen's law firm that we had no knowledge of an outstanding check from 2005.  My husband tells me he has never been notified.  The law firm blows me off when I tell them that and demands immediate payment....or else, we will be charged for court fees, ect, ect.  In this last phone conversation with Wendy Moore, at 845-875-5213, I asked her nicely to not call me at work and to call my cell phone.  She promptly refuses and said to take her number.  I'm glad I did a little research on this website.  Since they have to provided something to me in writing, I am not going to rush out and pay this bill.  We live in Montana so I will be checking our local laws regarding statutes of limitations on checks.  Also, I wasn't married to my husband at the time of the check, shouldn't there be some sort of confidentiality on this?  Thanks for the info on this site.  It makes me feel better!

Whatever. He called and threatened me just last week and again yesterday. He told me that I have to send him $200. or he was going to have me thrown in jail. I told him I don't have $200. and I didn't feel comfortable to send a money gram I wanted his address to send a money order and he refused to give it to me.

Nice try Brad