866-414-1004

Kingman & Cole-
They had the nerve to call me a scum bag! So after reading this site, I called the number  at 9pm, same standard time as them. Thinking know one would be there, but I was so mad, I just planned on leaving a voice mail. The loser, I mean debt collector, who normally had a secretary, answered the phone like he was in his PJ's. Kevin Kaufman. I informed him of all I have read about him, and told him he was the scum bag! I hope he is reading this, cause I have one last thing to say..........
Who gets the last laugh B**ch!

Kingman & Cole - Mediation
My mother received a phone call today from a person and said her name was Liz.  She said it was an emergency and a very serious matter and that she give information regarding a member of the family (in-law).  My 72 year mother was very upset and thought something happened while crying on the phone and said call my daughter.  My mother then called me all upset and crying. I calmed my mother down and then I was very upset. So I called Liz and then after a minute of speaking with Liz, she was rude and kept telling me if I didn't give her information regarding my brother-in-law she was going to report me to the feds.  I told her I just recently got out of the hospital after having surgery and didn't need to be upset like this as Liz was screaming at me on the phone.  I told Liz if she couldn't speak to me in a normal tone and explain what the call was in reference to that I would not give her any information.  I also told her I didn't appreciate her upsetting my 72 year old mother and she down right denied that also.  She then went on telling me she worked in a legal department with mediation as she was screaming at me once again for the last time.  I told her I worked in a legal office also and didn't care where she worked because she was rude and screaming at me and if she didn't respect me or my mother, I was not giving her any information.  I kept asking her the nature of the call and what it was in reference to regarding my brother-in-law. She said again, I worked in a legal office and I will report you to the Feds. After I told her I worked in a law office, she backed down and said since I would not cooperate her with that our conversation was being recorded and she would report me to the Feds.  I told her to feel free because she would not cooperate with me and that she was trying to get information from me that I would not give her.  Shortly after her screaming at me she said she works by appointments only and that she didn't have the time since I would not cooperate with her and hung up on me.  I then called my husband and explained what had happened as I was very upset.  When he called he asked the name of the company and Liz responded with something that he couldn't understand as she wasn't clear.  At that point my husband ripped her apart and told her not to call his mother-in-law, wife or any other family member and upset them regarding the person she was trying to reach as we had nothing to do with his situation which we still don't know what it is because she wouldn't tell any of us (which now we figure is a big scam).  My mother, myself and my husband said she was a real B**ch and that we couldn't believe someone would try to do something so crazy.  At first she had us believing it was a real emergency and we must give her information. Working in the legal profession, I knew if she was not willing to give me more information about my brother-in-law and that she was tying to get all the information she could about him it had to be a scam.  She also left her phone number on our recording at home and said it was a urgent and serious and we must contact them immediately.  After researching the number on the computer that is when we found out more about Kingman & Cole.  Very interesting and what a bunch of low lifes to be hassling the elderly.

i had this go to your cel phone put in callers only on your phone or phone your sorry im from england we call ours mobils phone your mobil agents tell them what is happen they can stop it or set mobil to not abset callers id only

same crap I am getting some crank calls from Kingman from that number, it is totally BS Company, DO NOT PAY THEM ANYTHING !!!!!! They try to colect money from a Credit card I had 7 years ago but was paid off !!!!

Call Attorney General's office to report these guys!  212-49-3049!

Sorry that's 212-349-3049.

What is your experience with or
Knowledge about kingman cole
Or Marshall and ziolkowski?Have
you had dealings with them?

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



Kingman, Cole and Associates

NOT a law firm!

aka/ Marshall and  Ziokowski Enterprise, LLC

(Aka/MAZE)    KCA Medical Collections

Brady and Caruso

Are They Closed?          

1416 Sweethome Road, Suites 1-4

Amherst, NY 14228

6558 4th Section Rd  #321

Brockport, NY 14420

(UPS Store)


COMPLAINTS HERE

4600 Main Street, #200

Amherst, NY 14226
 
1682 North Forest Road

Williamsville, NY 14221




We'll admit - while doctoring this document to hide the details of the consumer, we added the picture of the swiss cheese to approximate how many holes are in this document.  But the smell, that's original.
   




BOTH!
  Consumer Alert!



The judgments against Marshall & Ziolkowski are piling up; now word reaches us they changed their name to avoid paying judgments in excess of $150 K.



You should save your money, these con men may not last.  Don’t buy their lies and scam, they may be joining the LONG list of Buffalo collectors sued into insolvency.
 



CV 07-534 BB/LFG - Federal Judge Grants Judgment Against MAZE for $93,000 plus for violating consumer rights. Suit named Bohn, MacKinnon, Carl Steinbrenner and First American Investment, aka Giove Law




PHONES



866-345-4590

716-689-4269
Fax: 716-635-6192
  "Toll Free Service"         800-690-6293

866-236-4190                 716-635-6190

716-635-6187                716-635-6180

716-635-6181                716-635-6182

716-635-6183                716-635-6184



We warned you MAZE is a Scam.  Don't send them any money.  They will only use it to pay their judgment or open a business under another name.




They claim to be a law firm, but they are not...
   

Email: marshall_ziolkowski@yahoo.com

Head Debt Collectors:    Keith Marshall         Richard Ziolkowski



Apparently owners Keith Marshall and Richard Ziolkowski have earned their law degrees.  Funny -- the New York State Bar does not show any law office in NY called Marshall and Ziolkowski, Attorneys at Law.


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

Bud Says                         Consumer Comments Below

Kingman and Cole violate  the FDCPA so many times in one call you could walk out of court with the titles to their Mercedes and pay off the debts you actually owe.

Collecting on time barred debts is common with these slimy future prison inmates, they lie about everything, have no clue of the law, and don’t care.

We have received complaints from military personnel, here is one email:

“Right before Christmas we were contacted by these people.  After talking with Shawn Miller, we realized things weren't right.  Mr. Miller said that he would end my husband's military career, prevent his security clearance, and destroy his credit.  He also said that they target the military because the military will pay.  A lady then called me back, Jennifer Hoke.  I told her that this was old from 2001.  In fact it is due to go off our credit in May 2007.  I told her to send it in a letter to us.  They never did.  Finally on Dec. 23rd she said that if we didn't pay by 5:00pm (a favorite time for them) she would file it.  I told her no.  On the 24th, she called and said that she would sign off on the papers and we would be served.  Well it has not yet happened.  Shawn Miller was represented as a Paralegal, but with his language I don't know about that.  Jennifer never told me that she was collecting for a debt. . She repeatedly told me that we would have to go to court.  I told her that I understood that but we needed an answer to the complaint.  She said that we would have to appear in court, and if my husband didn't an arrest warrant would be issued.  But we haven't been served.  He is going to deploy in June and we want this settled before then.  This is a debt from 2000, and was charged off in 2001. Jennifer also told us that she would make this debt new again.  I told her that the 3 year limits were up, which is the limit in North Carolina.  She said that she would talk to the lawyer about that.  We were supposed to have a conference call with the lawyer, but they didn't call at the appointed time.
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.

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.

I'm getting calls from a "Michael Cappello about an alleged 2-year old bounced check of my daughters. She has no outstanding bounced checks. He is calling incessantly, offered to take a reduced settlement, and even called her employer. Damn moron. Now, an hour ago, I got a voice mail msg from an alleged server forewarning me that my daughter is going to be served by the XYZ County Police. After listening to the be, it completely disappeared from my call log. His message also said if I have any questions to call MICHAEL Cappello at Payback and Associates. Since when do public servers give warning they are coming to your home or place of employment?! They don't. I called the local number the call came from and it is indeed a notary and process server, but the woman assured me she has made no calls to my phone number and advised I call the police. She also mentioned "there's equipment people use that will change phone numbers on your caller ID". What a scam! Beware! They are bullies hiding behind fake names and phone numbers!