8663454590

Pay the bill. The woman @ ext 132 really helped me out.
Maybe Depaulis.Depaulo, not sure, but helped my dad out. She is really understanding. Ask for a really low settlement on the acct.

"The housing market crash is directly tied to consumers NOT PAYING their bills"

Don't blame the consumer's for the problems that big business and government have created.  Read below for the actual causes of the housing market crash and the ripple effects that were predicted several years ago and have been proven to be correct.

If you all would read most of these bogus pages Zino writes they are half from him and probably owes the company money just an opinion, but why would one person care soooooo much to blog everyday about bills

I just recieved a call from these people. On an account that was settled out years ago. As with the rest of you, they became rude and hateful. Threatening to have me arrested before a warrant has even been placed. If they are a true company, how is it they are able to answer their phone with a simple hello instead of the name of the company? They even contacted my sister-in-law and called themselves the FBI. Am I wrong or is that a felony?

A Prerecorded voice named Mr Johnson called me and said that there were court papers for me for fraud being filed and that I needed to contact him or someone who was in my family contact him concerning this manner. The messaage said that I had done fraud. These individuals use scare tactics and threats on people to obtain information and they are a scam artist.

The prerecorded voice aid to call back to 1-866-345-4590 Ext. 126 and ask for Mr Johnson.

1-866-345-4590 Bogus people Report them & stop them from calling .
  Her name is Ms. Reese

The first call was at 4:11pm yesterday and I answered because it said "private call" on my cell phone, thinking it was my landlord I got a Mrs. Hardy who launched in to "this is Mrs. Hardy from Kingman, Cole, and Associates".  I let her do the talking because I have heard from her before and I just wanted to keep her on the line for awhile.  She then told me they have a case against me for a credit card.  I told her to hold on I don't have any credit cards and I have checked my credit report and the one they are holding the "case" on is from 2003.  She said, "no our records show that there was a transaction on this card in 2007."  So, I simply stated that in the state of Kansas the statute of limitations for revolving credit is three years.  She then got snotty and asked me where I got my information...I told her, "same place you do, the internet."  Some more chitchat about how the sherriff would be coming to my house and arresting me, which I in turn told her that they don't do that...they can serve me papers but they will not arrest me for this.  I hung up on her...she then called back, I picked up and hung up three times.  On the fourth ring I picked up and said "hello" I was shocked at what came next, she said, "You stupid b**ch, you don't even know when someone is trying to f***ing help you.  And the sherriff will be at your house shortly with a subpoena to arrest you."  Then she hung up again only to call back immediately!!  I called the number they have listed on their website and asked to speak to a supervisor.  He didn't give his name and wanted my "case number" which was not given to me.  I told him I wasn't calling to talk about me, I was calling to complain about a Mrs. Hardy and does she work for you.  The answer was yes. I told him that her calling me 5-6 times in one day and swearing at me is against the law, not to mention very unprofessional.  He seemed very pleasant, but I got a feeling he didn't really care about the tactics Mrs. Hardy was using.  And, one thing I am worried about...he asked me twice to repeat what Mrs. Hardy said, and each time I heard a static sound only when I talked.  Maybe he was recording only what I said, or possibly he was allowing Mrs. Hardy to listen in.  I'm not sure, but I do know they did not state "this is an attempt to collect a debt, this conversation maybe recorded..."  I will be calling the Federal Trade Commission today and also the BBB.
I may have incurred this debt but I am slowing trying to pay off past debts, which is hard to do when you are disabled and on a fixed income.  They are plain and simply harassing people to make money, they buy old debt for pennys on the dollar and try to recoup the money by using any means necessary.

pay your bill ans stop rackin up charges when your disabled think about that im glad she treated you like that you deserve it and are also the reason why economy is the way it is ..go cash a government check will ya --your probably waitin for one right now !!loser

Again......they know they can not do anything.  They can not spell or talk
correctly.  They are just DESPERATE for money.  All of us as United States
citizens know they can not do anything to you.  If they even try to take
you to court they will be the ones having a judgment against them with
their unlawful ethics they use.

I was paying my bills when I BECAME disabled.  I did not ask to be disabled and had a wonderful job that paid very well.  I am just trying to make the best of a bad situation.  There is ABSOLUTELY no reason for anyone to talk like.  And as I stated in the post above, I do not have credit cards because now that I am on a fixed income I am very careful with my money and do not incur bills I can not pay.  When I became ill I had to deal with debt collectors in my state and they were very nice and I had no issues with them and set up agreeable payment plans BUT NOT OVER THE PHONE!!  I don't recall EVER dealing with them over the phone, it was all in writing and with proof of the debt.  I will not give out personal information over the phone and I will not pay for a bill that has met the statues of limitations in my state. So please keep your judgements of others to yourself.

*I meant-in the fourth sentence "There is ABSOLUTELY no reason for anyone to talk like that."

-sorry

BBB AccreditationBack To Top
This business has not been accredited by BBB.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB RatingBack To Top
Based on BBB files, this business has a BBB Rating of F

Click here for an explanation of BBB Ratings.

Reasons for this rating include:
BBB does not have sufficient information to determine how long this business has been operating
Number of complaints filed against business
Failure to respond to complaints filed against business
Number of complaints filed against business that were unresolved
Length of time business has take to resolve complaint(s)
BBB does not have sufficient background information on this business
Customer ExperienceBack To Top
The BBB file contains a pattern of complaints from consumers who report dissatisfaction with the company's debt collection procedures. Consumers claim they were harassed and treated rudely by company personnel.
Business Contact and ProfileBack To Top
Name: Kingman Cole And Associates
Phone: (866) 345-4590
Address: 6558 4th Section Road, Suite 321, Brockport, NY 14420
     Google map  Mapquest map  Yahoo map  
Business Category: Collection Agencies
eMail: info@kc-assoc.com
BBB file opened: March 07, 2008
Customer Complaint HistoryBack To Top

The company's size, volume of business and number of transactions may have a bearing on the number of complaints received by the BBB. The complaints filed against a company may not be as important as the type of complaints, and how the company has handled them. The BBB generally does not pass judgment on the validity of complaints filed.

Number of complaints processed by the BBB
   since the firm's BBB file was opened in March 2008: 39
   in the last 12 months: 39


Complaints Concerned:
   Selling Practices  (1 complaints)
 1 Unresolved

   Service Issues  (5 complaints)
 1 Unresolved
 4 Company did not respond

   Credit or Billing Disputes  (33 complaints)
 7 Resolved
 13 Unresolved
 2 Delayed Resolution
 3 Company made every reasonable effort to resolve
 8 Company did not respond


Government ActionsBack To Top
The BBB has no information regarding Government Actions at this time.
Advertising ReviewBack To Top
The BBB has no information regarding Ad Reviews at this time.
Additional InformationBack To Top
The BBB has requested basic information from this company. The Bureau has not received a response. Without this information, the Bureau may not have current information concerning such things as the company's management or its nature of business.
Industry TipsBack To Top
Debt Collection

The following is BBB general information and is not intended as a report on any specific company.

If you experience problems with a collection agency, it's important to know your rights. There are two types of debt collectors: creditors, to whom you owe money directly, and third party collectors, which collect on behalf of companies. Under the Fair Debt Collection Practices Act, creditors and third party collectors may NOT:
* use false, deceptive, or misleading representations or means;
* harass, oppress, or abuse any person while seeking payment;
* use any false statements or engage in unfair practices.

The Better Business Bureau and the Federal Trade Commission offer the following information on fair collection practices.

Contact

Debt collectors may not contact you before 8 a.m. or after 9 p.m., unless you agree to alternative times. They may contact you in person, by mail, telephone, telegram, or fax; however, they may NOT contact you by postcard. Collectors also may not contact you at work if they know your employer disapproves. You may stop a collector from contacting you by writing a letter to the agency telling them to stop. Once the agency receives your letter, it may not contact you again except to say there will be no further contact, or to notify you if they intend to take a specific action.

If you have an attorney, debt collectors may not contact anyone other than your attorney once you've provided the attorney's information. If you do not have an attorney, collectors may contact other people, but only to find out where you live and work. In most case, collectors may not contact such permissible parties more than once and cannot reveal to anyone other than you or your attorney that you owe money.

Within five days after you are first contacted, collectors must send a written notice telling you the amount of money you owe, the name of the creditor to whom you owe the money, and what action to take if you believe you do not owe the money. If you believe the company contacted you in error, you must write to them within 30 days after the initial contact; upon receipt of your letter, the company must cease collection activities. However, if the company can provide proof of the debt such as a copy of a bill for the amount owed, the company may renew collection proceedings.

Prohibited Practices

Debt collectors may not engage in unfair practices while attempting to collect a debt. For example, they may not:
* use threats of violence or harm against the person, property, or reputation;
* publish a list of consumers who refuse to pay their debts (except to a credit bureau);
* use obscene or profane language;
* use phone calls to repeatedly harass you;
* fail to identify themselves on the telephone;
* advertise your debt;
* threaten arrest if you do not pay your debt;
* say they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so;
* indicate that actions such as a lawsuit will be taken against you, which legally may not be taken, or which they do not intend to take;
* collect any amount greater than your debt, unless allowed by law;
* deposit a post-dated check prematurely.

Debt collectors may not use false statements when collecting a debt. For example, they cannot:
* falsely imply they are attorneys or government representatives;
falsely imply you have committed a crime;
* falsely represent that they operate or work for a credit bureau;
* misrepresent the amount of your debt;
* misrepresent the involvement of an attorney in collecting a debt;
* indicate that papers being sent to you are not legal forms when they are;
* give false credit information about you to anyone;
* send you anything that looks like an official document from a court or government agency when it is not;
* use a false name.

Law Violations
If you believe a debt collector has violated the law, you may sue in state or federal court within one year from the date of the possible violation. If you win, you may recover money for damages you suffered, including court costs and attorney's fees. You should also report problems with debt collectors to the Attorney General's office and the Federal Trade Commission.

BBB Accreditation:
This business has not been accredited by BBB.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Based on BBB files, this business has a BBB Rating of F



Reasons for this rating include:
BBB does not have sufficient information to determine how long this business has been operating
Number of complaints filed against business
Failure to respond to complaints filed against business
Number of complaints filed against business that were unresolved
Length of time business has take to resolve complaint(s)
BBB does not have sufficient background information on this business.

Customer Experience:
The BBB file contains a pattern of complaints from consumers who report dissatisfaction with the company's debt collection procedures. Consumers claim they were harassed and treated rudely by company personnel.

Business Contact and Profile:
Name: Kingman Cole And Associates
Phone: (866) 345-4590
Address: 6558 4th Section Road, Suite 321, Brockport, NY 14420
     
Business Category: Collection Agencies
eMail: info@kc-assoc.com
BBB file opened: March 07, 2008

Customer Complaint History:

The company's size, volume of business and number of transactions may have a bearing on the number of complaints received by the BBB. The complaints filed against a company may not be as important as the type of complaints, and how the company has handled them. The BBB generally does not pass judgment on the validity of complaints filed.

Number of complaints processed by the BBB
   since the firm's BBB file was opened in March 2008: 39
   in the last 12 months: 39


Complaints Concerned:
   Selling Practices  (1 complaints)
 1 Unresolved

   Service Issues  (5 complaints)
 1 Unresolved
 4 Company did not respond

   Credit or Billing Disputes  (33 complaints)
 7 Resolved
 13 Unresolved
 2 Delayed Resolution
 3 Company made every reasonable effort to resolve
 8 Company did not respond


Government Actions:
The BBB has no information regarding Government Actions at this time.

Advertising Review:
The BBB has no information regarding Ad Reviews at this time.

Additional Information:
The BBB has requested basic information from this company. The Bureau has not received a response. Without this information, the Bureau may not have current information concerning such things as the company's management or its nature of business.

Industry Tips:
Debt Collection

The following is BBB general information and is not intended as a report on any specific company.

If you experience problems with a collection agency, it's important to know your rights. There are two types of debt collectors: creditors, to whom you owe money directly, and third party collectors, which collect on behalf of companies. Under the Fair Debt Collection Practices Act, creditors and third party collectors may NOT:
* use false, deceptive, or misleading representations or means;
* harass, oppress, or abuse any person while seeking payment;
* use any false statements or engage in unfair practices.

The Better Business Bureau and the Federal Trade Commission offer the following information on fair collection practices.

Contact

Debt collectors may not contact you before 8 a.m. or after 9 p.m., unless you agree to alternative times. They may contact you in person, by mail, telephone, telegram, or fax; however, they may NOT contact you by postcard. Collectors also may not contact you at work if they know your employer disapproves. You may stop a collector from contacting you by writing a letter to the agency telling them to stop. Once the agency receives your letter, it may not contact you again except to say there will be no further contact, or to notify you if they intend to take a specific action.

If you have an attorney, debt collectors may not contact anyone other than your attorney once you've provided the attorney's information. If you do not have an attorney, collectors may contact other people, but only to find out where you live and work. In most case, collectors may not contact such permissible parties more than once and cannot reveal to anyone other than you or your attorney that you owe money.

Within five days after you are first contacted, collectors must send a written notice telling you the amount of money you owe, the name of the creditor to whom you owe the money, and what action to take if you believe you do not owe the money. If you believe the company contacted you in error, you must write to them within 30 days after the initial contact; upon receipt of your letter, the company must cease collection activities. However, if the company can provide proof of the debt such as a copy of a bill for the amount owed, the company may renew collection proceedings.

Prohibited Practices

Debt collectors may not engage in unfair practices while attempting to collect a debt. For example, they may not:
* use threats of violence or harm against the person, property, or reputation;
* publish a list of consumers who refuse to pay their debts (except to a credit bureau);
* use obscene or profane language;
* use phone calls to repeatedly harass you;
* fail to identify themselves on the telephone;
* advertise your debt;
* threaten arrest if you do not pay your debt;
* say they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so;
* indicate that actions such as a lawsuit will be taken against you, which legally may not be taken, or which they do not intend to take;
* collect any amount greater than your debt, unless allowed by law;
* deposit a post-dated check prematurely.

Debt collectors may not use false statements when collecting a debt. For example, they cannot:
* falsely imply they are attorneys or government representatives;
falsely imply you have committed a crime;
* falsely represent that they operate or work for a credit bureau;
* misrepresent the amount of your debt;
* misrepresent the involvement of an attorney in collecting a debt;
* indicate that papers being sent to you are not legal forms when they are;
* give false credit information about you to anyone;
* send you anything that looks like an official document from a court or government agency when it is not;
* use a false name.

Law Violations
If you believe a debt collector has violated the law, you may sue in state or federal court within one year from the date of the possible violation. If you win, you may recover money for damages you suffered, including court costs and attorney's fees. You should also report problems with debt collectors to the Attorney General's office and the Federal Trade Commission.

Then why do they claim to be attorneys when they call?

Today I received a phone call from 866-345-4590 threating to file a  civil judgement for a bill that is over 7 years old. The woman claimed that she represented a lawfirm. I could not believe how unprofessional she was.I'll just wait to see her before the Judge.

It appears the office has closed.
Check out:  http://budhibbs.com/collectorpages/marshall_ziokowski.htm

The company is folding --from what I know ----I work also in collections but don't use scare tactics to get the money owed..Im a strong believer that you should pay your bills--or at least try, many folks avoid the situation and it becomes a nightmare when you probably could get a settlement for 40% of what u actually owe --just pay your bills people you know that u owe the money but come with excuses to why you stopped paying 3-4 years ago these things do not go away ----ACCT must also appear on the credit report..which can't be tampered with by any company
We work just like you guys ---the house the kids the whole 9--most of the people you talk to are struggling themselves....Peace love and happiness
Just ask for a letter ..then pay your bill --its not that hard ..to much complaining rather than just paying your bill that you have created$

you need to pay your bill and stop making excuses it was all well and good when you racked up the card --but you dont pay back ---if this was not collections --you probably wouldnt have any teeth left ---its like stealing from your friend what is wrong with you -if you know u owe it WHY is it not being paid ----look at all your creditors --every company
and u will find complaints logged against them as well ---MR BUD HIBBS
has over 400 agencies not to deal with you dont think that thats a little weird ...cmon now ...not being rude but just handle it like man and take control of the situation ..pay your bill --you have to teach those around you especailly the little ones ----credit is VERY important ---

if you put forth the ammount of time you spend comlaining ---you bill could have been paid looking for a reason not pay your bill or posting the FDCPA   what is thet going to do ---still dsnt defeat the fact that you are a scam---and use disabilty as your excuse ---probably appllying for another credit card as im typing this ....pay your bill get a letter and get it removed from your credit report ==remember jen that companys CAN NOT tamper with a credit report --THAT IS FEDERAL -----think about it
ask for a settlement and stop complaining ...