8663764180

Keep this message and send in a formal complaint to your state and the state of NY complaint committee.  Protect your rights!

Scroll to find Cambridge Huxley and Associates at this website. It will tell you everything you need to know about these scum bags and their shoddy practices...

http://www.budhibbs.com/collectorpages/giove_law_firm.htm

This was posted by someone who works at this place.  IT IS NOT TRUE!!  Research more and you will find out that they have multiple lawsuits and they aren't a real law office

I got a call from Anisha regarding a petition that has been filed in my county against me.  To date I have not received a summons or any type of letter from the courts or anything in writing from this company.  I attemted to return the call at 866-376-4180 however it was busy every time I called.  I then called the number that appeared on the caller id from this message and it sounds like and answering machine and says "thank you for calling the law office" then requests and extention.  I put in the extention that Anisha left and it connected me to her voicemail.  I asked her for the docket number since I have not received notification that there was a petition against me.  I also mentioned that any other information I required could wait until the discover phase of the petition.  This was four days ago, they have not called again.

I was told to go and borrow the money from someone

I too got a call at my sisters house. How they know my family members is beyond me. I dont have a payday loan for them to collect. SCAM!!!

Received a call from this company looking for an in-law.  I do not know if they are a legitimate company or not, but the in-law in question does have a track record of finanical difficulty.  The woman who spoke with me gave me a file number, informed me she was calling from Rochester, NY, and the in-law and myself live in Ohio, and stated she was from Cambridge, Huxley and Associates.  I have received three calls similar to this for this same in-law but from different organizations over the past two months just after moving back to the area. Again, don't know if this is real or not, but want the phone calls ended. Thank you.

cambridge huxley and associates are a bunch of scam artists i keep getting calls to they are connected with doug mckinnon he filed bankruptcy and now has convicted felon moya kovic laundering money for him acting like the compny is his dont pay them one red cent

make sure while reading about what bud hibbs has to say - do ur research carfully...many people who have been advised by bud not to pay certain collectors #1 it's cuz HE wants ur money instead and #2 he has been sued by many debtors who took his advise and ended up getting sued!!  Bottle line is - if u owe a bill PAY IT!  If u don't - then expect to hear from a collector cuz life ain't free.  and stop calling these non bill paying [***] 'consumers' ....consumers r people who pay for their purchases...not people who try to get something for nothing - that is a debtor!!!

was called on my cell phone today and was left a voice mail saying that it was Jillian from Cambridge, Huxley, and Associates Legal firm threating me about a petition and something (the message was not clear) about this being in my legal file for the rest of my life and I had 24 hrs. to call or my legal representation call. The number instructed to call was 866-376-4180 ext. 332 and was given a document number for reference.

To clarify, so people don't get mis-information, Cambridge has no affiliation with NCO Financial, that's an entirely seperate agency with it's own problems.

Giove has been implicated in a much larger scam - USING A PROCESS SERVER THAT GUARANTEED NO SHOWS TO COURT and default judgements on time barred debts and NO VALIDATION and this is just the beginning of the investigation!  

NY AG Throws Out 100,000 Default Judgments Against Consumers!
« on: July 22, 2009, 10:23:57 am »
ATTORNEY GENERAL CUOMO SUES TO THROW OUT OVER 100,000 FAULTY JUDGMENTS ENTERED AGAINST NEW YORK CONSUMERS IN NEXT STAGE OF DEBT COLLECTION INVESTIGATION

http://www.oag.state.ny.us/media_center/2009/july/pdfs/5015%20Suit.pdf

THEY ARE DEBT COLLECTORS  JUNK DEBT BUYERS
THEY USE ILLEGAL COLLECTION TACTICS TO SCARE YOU INTO PAYING WHAT YOU DO NOT OWE!  

Giove Law Office, P.C.
Cambridge, Huxley, and Associates?
formerly Lenahan Law Firm
aka Account Management Services
- and a dozen other names.  

Before you pay them any money read this:

For up to the minute information on Giove,
visit Giove Law Office Exposed  http://www.budhibbs.com/giove/

3695 Pine Avenue
Niagara Falls, New York 14303
Phone: (716) 284-0484
Fax: (716) 284-0485


--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

Rodney Anthony Giove, of Niagara Falls, NY started out associated with a Niagara Falls, NY law firm. He either could not cut it, was fired or likely too inept to practice law. He now can be seen driving his new Range Rover around Niagara Falls LOADED with cash, he makes from his new career renting his law license out as a debt collector.

His new partners; Douglas J. Mackinnon, Mark Bohn and company make up the nucleus of the WORST debt collection organization in America.

It should be made perfectly clear that Rodney is incapable and has NEVER litigated a collection account under the Fair Debt Collection Practices Act (FDCPA), the federal law that regulates debt collectors.  They cannot, they have NO training, and rented law license are NEVER used in a courtroom.  

Consumers are warned to stay FAR away from anyone representing to collect a debt for any of these illegal operations. They will NEVER file any lawsuits; there are NO court orders, judgments, wage garnishments, or any other legal proceedings going on, except the ones in their drug induced heads. These sick people should be avoided. They are also desperate to make money, while they still have their freedom.

NEW YORK STATE BAR:
Attorney Grievance Committee
295 Main Street Suite 1036
Buffalo, NY 14203  (716) 858-1190
With your complaints and ethics charges

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
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.
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.
        February

YOU ARE A LIAR

BUD HIBBS HAS NOT BEEN SUED BY ANYONE BECAUSE OF INFO ON HIS SITE.

He constantly recommends that EVERYONE consult an attorney FIRST!  

The only reason you would post this lie is because YOU KNOW HE TELLS THE TRUTH and you are only trying to discredit his EXPERTISE!

Actually its legal in all STATES to RECORD CALLS.

The issue is whether you have to tell the other party you are recording or not.   AND THAT IS BASED ON STATE LAW!  

If you are required to tell the caller you are recording the call - if they choose to stay on the call - they give their permission.  if they do not want to be recorded - THEY HAVE TO END THE CALL!

These are not legitimate debts and you know it.

You deal in worthless legally uncollectable debt.

It is sad that so many companies, such as this one, put a "scarlet letter" on all collection agencies and bill collectors. I worked in collections for a long time, not because I liked it, but because, hell it's good money. You can succesfully collect debt without lying or being an a**hole. Here are some tips for you all in reagards to dealing withthe collection industry as a whole, from an insider, hope this helps you all:

*First things first, there are 2 different types of collection agencies, the first is an actual debt buyer, this agency will purchase mass quantities of debt from creditors, at a fixed price, usually 20-50% of what is actually owed, then collect on it and keep the profit. The second type is a 3rd-party agency that collects on debt that is still owned by the original creditor, that had been unsuccesfull in collecting it.
*An agency that is a debt-buyer can go as low on a settlement as the bosses will allow, the later in the month, the lower they will go, you, yourself can pay off your debts at 30-50% of what's owed. Ask the agent what the "blanket settlement" is on your debt.
*A 3rd-party agency can only settle as low as the original creditor will allow, which depending on how old the debt is and what it is can also go as low as 30%. Credit cards especially, will settle very low, again, the later in the month, the lower settlement you can usually get. That "blanket" question applies here too.

***Always, always, always ask what the statute of limitations is on the debt they are calling about, especially if you think it's over 7 years. Statute of limitation varies by state, but it is ILLEGAL to collect on a debt that is past it's statute.***

*As far as this company, "usually" the payday loans are legit, HOWEVER, this company adds $100-200 to each debt and tell you it's a "processing fee" that's total bs, it goes in the owners pocket. This agency, can't settle on most pay day loans, they collect those 3rd party, but you by NO means, have to pay the "processing fee" If your debt was $300 or below they tack on $100 if it was $301 or over they add $200. If you call the original pay day loan company, they can tell you what's actually owed.

*They will tell you that they are going to file a lawsuit, which again is BS, they have absolutley no resources or man power to do such a thing. HOWEVER, I have worked for agencies that will file a lawsuit, and collect that way, but the debt usually has to be more than $5000 for them to bother, and it is usually at the discretion of the client (ie: creditors). They train you to leave the message about docket numbers and such, and as far as mentioning a county to you, go to getzips.com and put in a zip code, it will tell you the county that zip code is in. There are no "tricks of the trade" so to speak, most collection agencies use skip tracing tools that are very easily accesible to anyone who has a computer.

*I can tell you that if you do have the debt and want to pay it, I never saw them over charge or double charge someones credit card or bank account,on purpose, it did happen but was corrected, that's too much hassle than it would even be worth.

*This company won't send you a validation letter,(which is REQUIRED by law!) so if your going to go that route, send a cease and desist instead.As soon as a cease and desist is recieved, via MAIL, they'll stop calling, they can't afford to be sued. If you ask them verbally to stop calling, they will just have another agent call you and pretend you never asked them to stop calling. If you ask for a validation letter, or something in writing, it is to be assumed that you are "stalling" and in turn the collection agent will usually get short with you, and that's no fun.
*As far as calling neighbors and family members, it is entirely true (and stated in the FDCPA, that you can call a "3rd party" (ie:neighbor, family member)ONCE, if they have not been in contact with you, or if it is believed that your contact information has changed. The collector is ONLY allowed to ask for location information which is limited to address, phone number and place of employment. The collector CAN NOT ask a 3rd party to take a message, CAN NOT tell a 3rd party why they are calling. Check your state laws, because in certain states, a spouse is considered a 3rd party! Parents also, are considered a 3rd party UNLESS the debtor is under 18 years old. Also, when you put down references for a pay day loan, the agency is also given the references contact information and WILL call them. In my experience, collection agents, the dirty ones anyway, call your realitives and neighbors after you piss them off, as a revenge or annoyance tactic, it usually works.

*If you have an attorney, have them call the agency, no collector usually wants to deal with an attorney.

***Let me stress this....Credit counseling services are a complete waste of your time and money. These agencies are nothing more than glorified debt collectors, remember that they are out to make money too, no matter how much they convince you that they are there to help you. They can't do anything for you that you can't do yourself. A good example is: John Smith has 10 outstanding credit card bills, he pays the credit counseling company $200 a month, the credit conseling company will keep a portion then attempt to split up the remainder over the 10 bills he owes, so essntially, each bill is only getting $15 a month applied to it, and some debt continues to accrue interest even after it's charged off, and those payments don't even cover the accruing interest. AND the credit conseling service will rarely contact a creditor or collection agency, the collector isn't aware that you are in CCCS until YOU tell them, and it usually happens that "John Smith" has been paying CCCS for upwards of a year, and these bills don't get paid. When a collector DOES contact CCCS on behalf of a creditor, we're usually told "John Smith" doesn't have enough money in his account to pay the bill. Save your self time, money and hassle, and take care of the bills on your own. People get so royally screwed by CCCS, a lot of collection agencies, and creditors, won't even deal with CCCS, and even though you think you're bills are getting paid, they're not.

*When a collection agency calls you, they HAVE to verify who you are, and who they're talking to, most do this by asking for your birthday and the last 4 digits of your SSN. I gotta stress this point also, PLEASE PLEASE PLEASE, don't refuse to verify this information. Nothing can get resolved if a collector can't verify who they are talking to. It protects the collection agency, and it protects the "debtor" by minimizing any chance of what's called "3rd party disclosure". A collector can't even tell you where they are calling from or why, BY LAW, until they can verify who they are talking to. If a collection agency is calling for you, and they have the right phone number, they have your full SSN, date of birth, last known address, sometimes even your driver licence number, so there are lots of ways you can verify who you are. If you are uncomfortable giving out the last 4 digits of your SSN, tell the collector you're uncomfortable giving out that info, and ask if there is any other info they can use to verify (ie: date of birth and home addy) Be careful if you are a JR. or SR. however, if the debt doesn't sound familiar to you, they might be looking for your dad, or your son.

*The mini-miranda... this little blurb HAS to be said on every conversation with a debtor, and only the debtor. "This is an attempt to collect a debt and any information will be used for that purpose, I am a debt collector" Each agency words it a little different, HOWEVER this ABSOLUTLEY MUST MUST MUST be said every time that they call you and any letter that is sent to you.If it's not, the agency is violating the FDCPA.

*Recording a call from a debt collector... if you think that your rights are being compromised, or there are FDCPA violations, record away, cause 99.9% of the time, an agency is recording you too. As far as it being admissable in court, that varies by state, but if you decide to make a complaint, you need to have the evidence that your rights were compromised.

*The FDCPA does not define the word "harrasment" which works both ways, a collection agency will tell collectors that and most take it as they can push the envelope as much as they want, HOWEVER, because "harrasment" is not defined by law, it is the "debtors" discretion that defines what is harrasing to them. Calling you at a time that you have said is inconvient (ie: 8 am on saturday morining, or during dinner time) could be considered harrasing to you.

*Calling a debtor at work is NOT against the law, HOWEVER....ANYONE at your place of employment can tell a collector not to call you at work. It doesnt have to be your boss, or the owner of the company or even you to tell them that. ANYONE at your place of employment can tell a collector not to call you there, and by LAW they can't... once you tell them that, all they can do is call the HR department to verify that you work there.

*Wage Garnishment.. the only time I have seen this actully happen, is with student loans. If you take out a federal funded student loan and default on it, the agency has a cretain amount of time to contact you, if they are unsuccessful to reach you in that time period, or you refuse to pay it, they call your place of employment, verify that you work there, and put in for a wage attachment. 95% of the time, they will garnish in that circumstance, it varies by state, how much they can garnish and if they can garnish at all.

***To summerize: The best thing you can do for yourself is educate yourself on the laws, especially the laws in your state, because state laws take precedence over federal laws if the state laws are stricter. A debt collectors wordt nightmare is an educated debtor. If you do decide to pay the debt, if it's verified that you owe it, send them a money order, it's less than $1 and is the easist way to pay your debt. If you and the collector come to an agreement on a settlement MAKE doubly sure that you get that settlement arrangement in writing before you send them money. If you get a 50% settlement, and pay it and don't get it in writing, you have no proof that that was the agreed amount to settle the entire debt. After payment is made, make sure that you get a "Paid in Full" or "Settled in full" letter and keep it until it is updated on your credit report. It does happen, quite often, that you pay a bill and it's not documented properly and then is bought by another agency who is unaware that you already paid it, when they call you can tell them that it's paid and fax them a copy of the paid letter.
Please remember, not all collection agencies are scams, not all collectors are drug addicted felons, most of us are people just trying to work and get by. It is unfortunate that the few take precedence over the collectors who actually want to help people. 95% of the time, if you are decent to them they are decent to you. Mistakes happen, people do change their phone number, they move etc...
Hope this helps everyone see things from another angle. Oh, by the way, most collectors DO work on some sort of a commision basis, they get paid a fairly low wage, then get a percentage of what they collect. It works a little different at each agency, but don't believe it if a collector tries to tell you that they don't make some sort of commision off your money!!

this is second call from this fake law firm in the past year. this time they called another son looking for his brother. they are nothing but a big scam. Do not pay them anything. they are a debt buyer and pay a atttorney to use his name. I called back to a Rebecca rink ext 303 and she would only say it was a  legal matter that i need to pass message to my son. Told her too google her phone number that she was nothing but a scammer. please don't send them money . if u owe money deal with that company u borrowed from. most times they have written off these small debts

google cambridge, looks like one or more of their associates, and the company got sued by a man in minnesota back in july, couldn't really access too much info, but it looks like someone is standing up for themselves!

Funny you calling someone "moranic" considering you can't even spell it. Nice try,genius.