866-826-4101

Sorry loser, the NYPD is not going to arrest someone for calling a wrong number.

Well thats because most people who use their credit cards have no idea what they are doing. If you are smart, you can pay your balance in full, charge things on your card and you have up to a month to pay, meanwhile you can let your own money sit in an account and ear interest while you float theirs.

Joe Pazzuto and employees keep calling my work, my mother in law, my spouse and harrassing my mom for her credit card number.  It is a violation to harrass 3rd party and to call places of employment. I want my work number, my mother-in-law's number, and my mother's number off the list..any further calls will result in a law suit.
I am working with the General Manager to resolve this matter now.
Thanks,
G.B.

The only people who can garnish your wages is the federal government.  If you don't pay your credit card bill too bad, they can ruin your credit but they cannot garnish your wages.  There used to be a law against usury, but they allow the credit card companies to treat us like dirt.  Those who pay off their debts are referred to as "Dead Beats", and these companies use that term like a mantra.  Ever try to read the terms and conditions on the back of a credit application?  Even those with a Masters Degree from Harvard can't interpret that mish mash; it's nothing more but deception and fraud.  These criminals target people with bad credit ratings and market directly8 to them with the hope of forming a life long relationship.  I had a friend who ran his business the same way, he was a drug dealer.  They are nothing more than a loan shark when they charge customers 30 percent interest.  The only reason it is not criminal is their parasitic lobbyist have penetrated both sides of the aisle in Congress.  The credit card industry is more profitable than McDonalds's, Microsoft and Wal-Mart.  It's nothing more than a multi-billion dollar racket that has been approved by the government, thanks to the lobbyist.  What these companies don’t want anyone to know is that of the thousands of industries tracked by the Better Business Bureau, the Credit Card industry is number one in customer complaints.  They don't want the public to know that they deliberately target those who cannot afford to pay off their debt.  These poor "revolvers" don't know that with just one late payment their credit card rates skyrocket, as high as 30 percent in millions of cases.  And if the poor person even just inquires about leasing a car they raise the rates.  With the millions of people filing for bankruptcy the credit card companies got Congress to change the laws in most states to make it more difficult to discharge credit card debit.  The credit card industry is nothing more than a bunch of hyenas crunching on the bones of the poor.  That stench you smell is the foul order of the credit card companies conducting business.  When Credit Card Company’s act like business corporations should maybe the people will have a real opportunity to pay their debt at a reasonable rate, as it should be.
Caller ID: 866-826-4101
Caller: "Law Office" of Joe Pezzuto

This Joe Puzzuto company called my house a month ago looking for a family member that doesn't live at my home. I told them not to call my house again. I get another phone call again 1 week later with the same BS. I told them not to call again the second time. I come home today to listen to my voicemail and there goes a man yelling on my voicemail to have my family member call Joe Puzzutto.  This is getting ridiculous. There has to be some way to bring down this scam law office. Some one shut them down. Please!

This person called my house looking for a relative that does not live with me. Nor, do I really have contact with that person. They have called several times, increasingly becoming more harassing and rude.

I have called the number they leave (1-866-826-4101) a couple times to have them remove my number. They are very rude and have not removed my number. Upon their next call, I will be filing a complaint with the FCC as they are in violation of the FDCPA.

This is the info I have dug up in my search to find out who this is.

Mr. Joseph James Pezzuto II  
Firm/Organization:  Law Office of Joe Pezzuto LLC  
Mailing Address:  4013 East Broadway Rd Suite A-2
Phoenix, AZ 85040-0001  
Telephone:  602-438-9797  
Fax: 602-274-8811

He is a part of Collect America and/or Jefferson Capital Systems

They are calling my job harrassing them to find me. They already have my cell number. They need to be shut down.

there are only a few states that you cant be garnished in. if you dont pay your debt you can be garnished.(just google it) people wake up. obama is changing the law to were it seems like the restrictions are tighter for the creditors. what its going to do is force the companies to make one call then have you served and have your wages garnished. wake up people

there are only a few states that you cant be garnished in. if you dont pay your debt you can be garnished.(just google it) people wake up. obama is changing the law to were it seems like the restrictions are tighter for the creditors. what its going to do is force the companies to make one call then have you served and have your wages garnished. wake up people

[***] you cannot just get garnished

Call from the law offices of Joe Pezutto.

I was contacted today by this law office. My debt is valid but when I asked them for information that would prove they were who they say they are before I would give them my account information I was informed that they were not going to "jump through hoops for me". For the record, I was going to pay the debt in full within 24 hours and I was still treated like this. I still haven't figured out if this is a scam. My debt is real, but that doesn't mean that they couldn't get the information and then pretend they were the ones collecting the debt. Are they for real??

i got a call from this number been calling like crazy he call my house left a message i know where u work now  he call my job

A representative from this number called my cell phone twice. A word of advice: just send a cease and desist letter to them and legally they will not be allowed to call you again. That is the law.

Left message from office of Joe Pezzuto.  http://pezzutolawgroup.com/

The Law Office of Joe Pezzuto, LLC
4013 East Broadway Road, Suite A-2
Phoenix, AZ 85040
Phone: (Toll Free)866-826-4101 (Fax)602-274-8811
Please be advised your call may be monitored or recorded.

The Law Office of Joe Pezzuto, LLC
6636 Cedar Ave South Suite 150
Minneapolis, MN 55423
Phone: (Toll Free)866-526-0101 (Fax)612-861-7323

I get a call from Joe Bizzudo Law Offices.  They ask for Kim(berly).  She owes money to someone. I AM IN NO WAY INVOLVED IN THIS FINANCIAL MATTER.  They have left many voicemails on my cellphone.

When the Debt Collector Calls
First Contact
It is around 6 PM and you are just sitting down to dinner and the phone rings. You look at your caller ID and it says "out of area." You answer and say hello and there is no one there. You hang up. The debt collectors system now knows that you are home at 6 PM on weeknights. You may get another call in a few minutes or at the same time tomorrow. This time there will be a live person who should, by law, start the conversation with his name and company name and the purpose for his or her call is to collect a debt. This person will now tell you that you owe, for example, 497.00 to Horizon Telecom. From that point on, the conversation can proceed down many different avenues from professional to downright ugly. This article is about the latter which is unfortunately very common.
I am a moderator on a large internet forum that has the category of dealing with collection agencies as one of its hottest topics. The stories of threats, third party contact and even personal appearances at front doors by third party collectors are shocking, conservatively speaking. The most common is the threat that if the alleged debtor does not have a certain amount of money in the collectors hand by a certain date and time the sheriff will come to their job and have them arrested. This and all other threats that can't be carried out are illegal under the Fair Debt Collection Practices Act. Do the collectors know this? Of course they do. They also know that only one person in one thousand will first, be aware and second actually file a lawsuit. When they are sued they usually make a quick out of court settlement and mark it off as the cost of doing business. Going to court is expensive and they can be assessed punitive damages of 1000.00 per violation plus legal fees and court costs.
Most collection agencies are cube hives that have several to dozens of agents sitting at computers with headphones trying desperately to earn commissions on debts that were purchased, in lots, for pennies on the dollar. Many of these are several years old and past the statute of limitations. These statutes vary by state but are usually four to five years.
How to Proceed
Knowing your rights from the onset is paramount in gaining control of the situation. If the person refuses to say the name of the company he works for that is an FDCPA violation. The collector is also required to send a dunning letter within 5 days of initial contact. Make sure you say that you require that statement before you admit to owing anything. Admitting to a debt by trying to make arrangements can restart the statute that may have or is about to expire. Tell the collector that he or she is not permitted to contact you about this by phone or any other means other than the United State Postal Service. If they do that is another violation of the FDCPA. If they continue to give you a hard time politely say "thank you, I will be looking for you statement in the mail" and hang up. If they call back make a note of the date and time which will be supported by your carrier’s records.
  The Statement Arrives
You go to the mailbox a few days later and you retrieve what should be, by law also, a very nondescript envelope with just a PO Box as an address. The bill inside will usually have the amount and the name of the original creditor along with a line that will state that if you do not dispute the validity of the debt within thirty days it will be assumed valid. This is also required by law. Now you have a choice. You can pay it or send a request for validation. If you send a validation letter the collector is required under the FDCPA to provide a copy of the original debt and the name of the original creditor. Many will not be able to do this because they will not have it. You are going to ask for a lot more in your letter.
A debt validation letter should demand the following information:
•    Proof that the debt is yours
•    Proof that the collector owns or is entitled to collect the debt
•    How the collector arrived at the amount they say you owe
•    Proof that the collector is licensed to collect debts in the state in which you reside
•    Proof that the debt is not past your states statute of limitations.
•    If it is an internet payday loan require proof that the lender is licensed in your state as they are usually not.
There is no time frame required for the debt collector to respond to your letter contrary to what I have read elsewhere. It is best to send all correspondence certified mail with a return receipt. Documentation is important. After this letter is sent it has been my experience that about 50 percent of third party collectors will drop the collection and move to an easier target. Also include in your letter a cease communication paragraph telling them not to contact you by any other means but the USPS and forbid them from contacting a third party regarding the debt. They are bound to this by law also.
The FDCPA
Years ago debt collectors could parallel psychopathic bounty hunters in their actions. They would call over and over any hour of the night and morning and tell your kids you were a deadbeat! Anything was OK if it would get them their commission. Then the Fair Debt Collection Practices Act was legislated and now there are sections 801 through 819 that are in place to protect you, the consumer, against these atrocities, although, as I stated early on, that they still take place every day. Here are some, but not all, of the actions by collectors that are covered:
•    A collector can only call between the hours of 8 AM and 9 PM
•    A collector cannot threaten a person with arrest, garnishment or any other legal action that the collector does not intend to or is not legally permitted to do.
•    A collector may not represent himself as an attorney unless he is actually an attorney even if he is using an attorney’s license for the purpose of collecting.
•    A collector can contact a third party one time only for the purpose of locating the alleged debtor but may not disclose the reason for their search.
•    A collector may not call a person at work if it is known that they are not permitted to receive such calls.
•    A collector must cease all collection during the validation period mentioned in the previous section.
Here is a link to the FDCPA. If it fails to open please copy and paste to your browser.http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
These laws also apply to law firms that are collecting as third parties also but be warned. You are risking an expensive lawsuit if you try legal dancing with a law firm. They know all the tricks and you will wind up paying court costs and their fees on top of the debt. If you are getting collection attempts from a law firm try to make arrangements with them or if you believe you do not owe the money, get yourself a lawyer if only to write a letter. Better to pay your own attorney than someone else’s. Like the old saying goes, a person who represents themselves in court has a fool for a lawyer.
If you feel that your rights have been violated under the FDCPA there are attorneys that will take your case on contingency and you will wind up collecting rather than paying. A good place to start is www.naca.org

Just had a message left at work 6-2-09 from Sean Worthington, from the law firm of Joseph Pezutto "not sure if your aware of what steps have been taken at this point and time but sir definalty give me a call back as soon as you get this message" (big sigh at this point like he was out of breath) "theres only so much I can leave on a message" then he gives me the numbers 602-274-9911 & 866-826-4101 ..such b.s.

They are a law firm...Very nice people there....Their the Law Office Office of Joe Pezzuto.....If thers a problem call Guy Murphy or Matt Gascon....They will help you out...
866-826-4101

thank you for your input your lies are very important to all of us your break is over now it's back to the boiler room with you thanks for checking in bye