8665541014

Unbeliebable that there is such and ignorat idiot like you still in this world. Did you ever consider by reading and UNDERSTANDING what most of the people are saying is that THEY HAVE NOTHING TO DO WITH IT?????
Go back to school and educate your self, ignoromous stupidicus maximus..lol

LOSER!!!!!!!!!

they tell me there looking for my uncle how did they get my number and not my uncle they gave me the case# and everything

This is my work and they called telling all kinds of information regarding being a law firm (big deal).  I don't appreciate them saying who they are!!!!!!!!!

They just did the same thing to me about 5 minutes ago.  They called my workplace and put my business out there to my co-workers.  My supervisor let the person know who called that we are not allowed to receive personal calls on that matter in the work place and that it is illegal and the collector responded to him saying, "since when?"  Since when does it matter when?  these people are ridiculous and need to have more respect for other people.  They are scum bags.

these people are scum i gave them info to they tried to match me up to my mothers info report these people dont talk to them they are liars ripe off artist

If you dead beats paid your bills we would not exist!  who are the scumbags?  look in a mirror dead beat!

Christopher M. Ranieri, P A
Law Office of Christopher M. Raneri
aka  All American Financial Associates
3900 W. Commercial Blvd., #211
Fort Lauderdale, FL 33309

Head Debt Collector
CHRISTOPHER MARK RANIERI

FL Bar #127760

4585 140th Ave N.
Clearwater, FL 33762

238 N Westmonte Dr
Altamonte Springs Fl, 32714

3890 W Commercial Blvd
Fort Lauderdale Florida 33309-3319

Phone: 954-739-2592    
      800-721-9789    
      800-380-1485
      727-507-7624    
      727-507-7580    
      800-721-9789
Fax:   954.739.2591    
      727-507-7590

Christopher Mark Ranieri attorney / debt collector, of Coral Springs, FL appears headed for a collision with the justice system. Our mailbox daily receives  complaints of his collectors calling to make threats of pending legal actions if debts are not paid immediately.

Ranieri is alleged to associate with and collect for First American Investments/Unistates and Southern Capital Associates out of Buffalo, NY.  First American and Unistates,  (illegal bottom feeder debt collectors who collected on thousands of bogus accounts, many of which they never owned)  filed for bankruptcy protection for more than $20 million. In the NYWBKE 08-14967 November  2008.

The accounts they collected on were the subject of another lawsuit by investors who thought they were loaning more than $20 million to acquire defaulted portfolios, which may not have taken place.

Ranieri is connected to these NY agencies and allegedly collects on some of these same accounts. In view of the bankruptcy filing and the apparent demise of his portfolio source, it appears Ranieri members are hell bent on collecting as much money as possible from the accounts they still possess in a desperate attempt to stay afloat before the proverbial well runs dry.

Thus the almost desperate attempt by Ranieri collectors to call, threaten, harass, and attempt to extort monies from consumers that they may not have a valid right to collect. Desperate people do desperate things  - and that appears to be what is going on within the Ranieri organization.

Ranieri is reportedly still paying off on lawsuits filed by consumer attorneys for the illegal debt collection methods used by his thugs. A check of several states showed Ranieri does not have any license or bonds required to collect debts in the U.S., yet his collectors lie to consumers stating he is licensed and bonded.

Based on information I have, it appears that Christopher M. Ranieri, Debt Collection Attorney may be out of the collection business very soon. His sources for accounts are dried up, his name and reputation are dumpster trash, and the lawsuits continue to pile up against him. He has almost no ability to legally validate any debts, and even a lesser chance of proving anything meets most court requirements.

Ranieri is not worth anyone wasting any more on, he will get what he deserves when the money is gone, expect to see him on the list of DEAD BEAT DEBT COLLECTORS.

NEVER give them any information on your bank/credit accounts, or post-dated checks. YOU WILL REGRET IT!!

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

Continues to call for ****** and have told them repeatedly that they had the wrong number and not to call again. They are very demading and would not go away.

called wanted to know if i was hot

They called my daughter cell and said if i don't pay in 3 days they will take me court. I live in California and could not understand why someone from New York is calling me and threatening me with court. I did get worried and gave them my debt card info. After reading this I called and put a stop payment. I didn't know they were a scam. This is scary. They would never say the name of the law firm.

Thank You for the information, I was told if I don't pay, they would take me to court and if I miss one payment I would be in serious trouble and they would sue me for more than the loan. I borrowed 3 years ago and this company is calling me now, the person said his name was Rod Huwert and the number was 866-554-1014, I googled the number and found all this information. I put a stop payment, they were going to take over 1000.00 from me and i did owe no near that much. The guy really scared me and now I know they are a scam. Thank You

Just got a call, this lady said with a weird accent, " What's for Dinner?". Now if you call thaaaaaat a DEBT COLLECTOR. Them I assume a so called debt collector has no clue on what their doing besides sitting in that little box with a headset and computer. Only wishing they were more educated. IM soooooooooooo glad I didnt turn out that way.

   Besides, I dont know why your calling me. I dont owe any debt. I have only one debit card. And my 4 years in college was paid for. From what I can tell by reading the previous posts all SCAMS.

Constant calls without stating who they are trying to contact and exactly what they want other than a return phone call. They have called my home and cellular phones and never let me get to a real person to clear up the matter. Ive heard if I call them back Ill have problems with my credit score which is very worrisome as I have no debt whatsoever and am trying to rebuild my credit. They even refuse to take a message because their inbox is "full". If all they want is for me to return their call, and the theory that it will harm my credit is true, then I'm sure this is illegal. I am more than willing to pursue legal action beyond justice and revenge but through to sheer cruelty.

Get these idiots all the time. They have threatened me with court several times over $393. I was paying on this which I owed $1200 but stopped working due to a disability and that was all that was owed which is probably interest. So I told them to do what they had to do 3 months ago and take me to court over $393. They tried to scare me talking about it would end up about $1200 after court. I told them whatever do what you have to do. Since I am on disability I knew they was full of bs. After all that talking and threatening now they start calling again posing as a law office. don't they know the game now people realize who they are just debt collectors.

And if you already put it on my credit you definitely really won't get nothing out of me now because damage is already done!!!!!

I just stopped answering doesn't bother me but hey they gotta make a living some kind of way must be hard but oh well....hahahahahaha

Got call from lady asking for an unusual name. I get these all the time. Strange name, person on other end not willing to give info. I noted that her number was a 866 with no name on the caller ID. She said she was from a legal agency and had just received the report. I said yea right, give me the name of the agency. Of course she didn't. I challenged her inability to provide a name. She actually got mad when I told her I would google the number and report it. Shame...she then hung up before I finished harassing her.

I keep getting threatening calls, on my job and on my cell phone, from Greg Trotter, Law Office.  He said that he was in the process of fining a judgment against me.  He said that he knows my job title and where I work.  I keep telling this guy that I do not owe them and to stop calling my office leaving messages and leaving threatening messages on my cell.  Do you not now the scum called me again threatening me.  What is his problem.  he needs Jesus for one thing.

I received to calls right behind the other one from Debbie Mahoney.  She first told me that they were getting ready to find a judgment against me and that they would settle for $2,000.  Greg Trotter said that they would settle for $3,000.  I told her that I did not owe for them to send me something in writing.  I have never gotten anything in writing and all of a sudden these people started calling me.  Debbie Mahoney wanted me to post date a check in the amount of $2,000.  I asked her if she was crazy.  I then told them to stop calling my job and my cell phone and hung up.  Something needs to be donea about these peope harassing us and we do not woen them.

Just another debt collector and A DEADBEAT HIMSELF!  
HE IS NOT LICENSED OR BONDED IN MANY STATES - SO ANY COLLECTION ATTEMPT IS ILLEGAL!


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



Christopher M. Ranieri, P A
Law Office of Christopher M. Raneri

aka  All American Financial Associates
3900 W. Commercial Blvd., #211
Fort Lauderdale, FL 33309

Head Debt Collector
CHRISTOPHER MARK RANIERI

FL Bar #127760

4585 140th Ave N.
Clearwater, FL 33762


238 N Westmonte Dr
Altamonte Springs Fl, 32714



3890 W Commercial Blvd
Fort Lauderdale Florida 33309-3319

Phone: 954-739-2592    800-721-9789    800-380-1485
727-507-7624    727-507-7580    800-721-9789
Fax: 954.739.2591     727-507-7590



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

Bud Says                         Consumer Comments Below

Christopher Mark Ranieri attorney / debt collector, of Coral Springs, FL appears headed for a collision with the justice system. Our mailbox daily receives  complaints of his collectors calling to make threats of pending legal actions if debts are not paid immediately.

Ranieri is alleged to associate with and collect for First American Investments/Unistates and Southern Capital Associates out of Buffalo, NY.  First American and Unistates,  (illegal bottom feeder debt collectors who collected on thousands of bogus accounts, many of which they never owned)  filed for bankruptcy protection for more than $20 million. In the NYWBKE 08-14967 November  2008.

The accounts they collected on were the subject of another lawsuit by investors who thought they were loaning more than $20 million to acquire defaulted portfolios, which may not have taken place.

Ranieri is connected to these NY agencies and allegedly collects on some of these same accounts. In view of the bankruptcy filing and the apparent demise of his portfolio source, it appears Ranieri members are hell bent on collecting as much money as possible from the accounts they still possess in a desperate attempt to stay afloat before the proverbial well runs dry.

Thus the almost desperate attempt by Ranieri collectors to call, threaten, harass, and attempt to extort monies from consumers that they may not have a valid right to collect. Desperate people do desperate things  - and that appears to be what is going on within the Ranieri organization.

Ranieri is reportedly still paying off on lawsuits filed by consumer attorneys for the illegal debt collection methods used by his thugs. A check of several states showed Ranieri does not have any license or bonds required to collect debts in the U.S., yet his collectors lie to consumers stating he is licensed and bonded.

Based on information I have, it appears that Christopher M. Ranieri, Debt Collection Attorney may be out of the collection business very soon. His sources for accounts are dried up, his name and reputation are dumpster trash, and the lawsuits continue to pile up against him. He has almost no ability to legally validate any debts, and even a lesser chance of proving anything meets most court requirements.

Ranieri is not worth anyone wasting any more on, he will get what he deserves when the money is gone, expect to see him on the list of DEAD BEAT DEBT COLLECTORS.


NEVER give them any information on your bank/credit accounts, or post-dated checks. YOU WILL REGRET IT!!

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 took your advice from your web sit.  I did not pay i ignored the phone calls and ended up with what is called a default judgment.  My wages are now being garnished and my credit is ruined...  I could  have settled this for $600.00 but am now paying over $3500.00   THANKS BUD  doucher

Budd Hibbs filed bankruptcy TWICE. He is a debtor himself and should not be giving ANYONE advice. Other than how to NOT pay your bills. He's a deadbeat.

He is also a former debt collector.