8668785796

The call came to my cell phone during business hours.  On my lunch break I returned the call.  They must have caller ID because it would go straight to voice-mail.  When I call from my cell phone it will go to the automated service line.  I'm glad I found this site.

I have recieved calls from the 866 number above and also some from 716 something. I spoke to a Ms. Mohler (sp?) and she was incredibly rude. She said we owe'd a debt of $540 for an unpaid payday loan, which I don't deny, I completely forgot abou it. BUT! She refuses to give me any information about the account. Like the original balance. She also said that they had mailed me several letters, but I never recieved a single one. She also told me that if I didn't have payment in full by tonight that I was going to be sued and my wages would be garnished. Funny thing is, they can't garnish my wages, unless I give permission, being that I work on and Indian Reservation. I told her that, and she got livid and told me there were many other ways we would be "punished," what kind of "lawyers" would use that word for collection? She said that my drivers license would be suspended. When I told her I didn't have a drivers license she became enraged and said to call her when I had the money to pay her and not before then and then she hung up on me.

So my question is, has anyone actually learned anything about these people and are they bogus or legit?

Thanks. I'll be checking back to see what is said.

who are these people they called me friday and then again today about a debt back in 2001.

When they call back (no doubt they will), inform them you are recording the telephone conversation (which is legal in most states) and filing a complaint with the FTC for the following:

§ 806.  Harassment or abuse  [15 USC 1692d]

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.

(4) The advertisement for sale of any debt to coerce payment of the debt.

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity.

§ 807.  False or misleading representations  [15 USC 1962e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

(2) The false representation of --

(A) the character, amount, or legal status of any debt; or

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this title.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

http://www.creditinfocenter.com/legal/FDCPA.shtml#807

After you hang up, send them this Cease Communication letter (VIA Certified Mail, with return receipt requested) and demand that they validate the debt they are calling you about. Keep copies of everything!

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

http://www.fair-debt-collection.com/Disputing ... ute-letter.html

A Vincent Cignarele called to say that his office has left several messages and wants to know why I haven't responded.  I find this strange as the phone number he is calling is not linked to anything I own nor is it linked to anybody I do business with.  My cell is my main number, the number he called is strictly for internet and satellite access.

maybe just maybe if all you scumbag debtors would start paying your bills rather then stealing from banks you would not have to worry about phone calls. all you debtors just need to get a life and grow up. collection agencies are not the ones stealing money all you scumbag low life debtors are

Testy, testy.  Scamming operations must be slow at CMCRecovery-ClaimsAmerica-RSI-GrahamNoble.

Yet again I get a call from this office. this time from Steve Helenburk Vincent Cignarele's senior leas son. Wow impressive NOT!!!! He told me that he has a settlement offer for me that expires the end of February. If I want to settle I can call them and he will broker some sort of settlement for me. Or I can be sued in the county for which I live. He doesn't know that I work for my local county and know the judges and the sheriffs very very well so I say good luck suing me!!!!Now it's the time for me to step up !!! he said.     If he doesn't hear from me he has no recourse but to allow his client to pursue this in county court.  hahahahahahahaha!!!!!!
he left his number to 1-866-876-7234 ext 378  Hey Steven sorry to tell you but your an [***] and you won’t be hearing from me by month’s end so please take me to court and sue me if you can or leave me alone.  I hope you are aware of this page and read what I have written just for you Steve. Can you read this Steve? Take me to court all ready !!!! If you can!!!!

I had a call from them today - left a voicemail on my office phone, saying I needed to call them back immediately. I did - but not before I used a *67 to hide my # from their caller ID. When they asked for my # I gave them my cell, and of course they couldn't find it. I then had to give my last name. They were calling to set up a county court date. They say I owe $480 for a PDL taken out 3/21/2005 from Quick Payday. I'm not disputing that, I did default on a couple of payday loans around that time. They told me that if I don't pay it by the 29th (2 days from now) "the attorney" will "fax documents" to the county court to file on me. I've never heard of being able to file on someone from out of state via fax machine. LOL. I've contacted Bud Hibbs but I dont' plan on paying these people a red cent without some legitimate documentation.

Btw, check out their website, it is hilarious! I guess they never learned to use spellcheck? "Wearisome" and "technologies finest?" ROFL!

http://www.officeofvincentcignarale.com/

Please do not use this letter. It is a letter that is quite often used by folks that do not know what they are doing. You can't dispute something that you don't know what you are disputing. Go to my post and see what needs to be said, you do not have to go into a big rigamaroll when asking for verification of a debt and you certainly don't ask for verification of something you haven't even gotten. If anyone were to send this letter they would be laughed at because these collection agencies/attornies know this letter back and forth and it shows them that the person sending the letter knows not of what they are doing.

Also, DO NOT send a cease and desist. This tells them that you will not communicate in anyway with them which leaves them open to file suit. They need to be notified that it is inconvenient to talk on the phone but they can contact you through the US mail only. A cease and desist may come back to bite your behind.









Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

VIA CERTIFIED MAIL

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) Provide a verification or copy of any judgment (if applicable);
(4) Proof that you are licensed to collect debts in (insert name of your state)
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
you cannot add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;
Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here
Your Printed Name

Dear John:

My, My, My. You should follow your own advice. Grow up and get a life.

You must be so proud to work there.  You should really look into getting an honest job.  MC Donalds is always hiring.

Go to this site:

It has info on all of these supposed lawyers, including Uncle Vinnie Cignarale

http://www.giovelawofficeexposed.com/doug.htm

My tenant works for this person and they are not an on-time paying tenant at that go figure!!  Whenever I call then at work regarding their rent-i always get a recording and never the person.  The number she calls from is 716-651-0396.

I've gotten 4 calls in the last week regarding "an important legal matter" from the "Law Office" of Vincent Cignarelli (sp?).

I have no idea who the person is that they are looking for.  All of the calls have been an automated voice...

How can I get them to stop calling my home?

this company calling my home and are very demanding, and rude!  Calling for a relative who don't EVEN live here.

this organization is going down... and i mean DOWN! This will enD!!! thanks everyone.

andrew

So this time i got an autotimated msg from vincent himself. he said his office has tried to contact me on serveral occasions. we have not heard back from you. i would like to know why you haven't called us. if you would like any input in this matter then please call use back.  

I haven't called you back Vincent because you are a scumbag scam artist that likes to prey on unknowing people that think they must send you money. sorry vincent but you wont be hearing from me EVER.

Why didn't good old Steve call me like he did last time. darn i really enjoyed the wonderful voice mails he left. they were always very entertaining.

Sorry Vincent maybe you should of practiced REAL law insted of scamming people. I think bubba will like your ass in jail ;)

I run a business downstairs and work very late. So it REALLY ticked me off when I was awakened first thing in the morning by a phone call from "Signarale law Offices." I ignored the call, then heard my phone downstairs ring not five seconds later.

When I checked the messages I was instructed to call the 866-878-5796 number and ask for "Mrs. Pope, ext 371." The strange part is that they were looking for somebody who not only doesn't live here, but somebody I've never met nor ever heard of.

Since I read a number of complaints about this collection agency before I made my return call, I was pretty belligerent when I called, and left a message.

They returned my call shortly thereafter. I told them I told them I didn't appreciate them calling my office, I told them I was prepared to complain to the NY attorney general's office ... I was pissed.

When the guy who returned my call said, "You get more flies with honey," I said, "You too - I've been reading pages and pages and pages of complaints about your rent-a-lawyer coillection agency on the Internet." He said he saved all his phone calls and had my belligerent message recorded should I complain, so I pointed out that I have his collection call to my work number on file as well.

He finally agreed to delete my phone numbers from his system. So, in my experience, if these collection clowns are calling you and you honestly don't know who they';re looking for, "attack mode" seems to work pretty well!

i received a call from a girl telling me to call 1-866-876-7234 xt 353 regarding a case number.  i know i do have lots of outstanding debts, and i am retaining an attorney on 3/24, she said to call or have my attorney call in the next 48 hours.  should i wait until ive officially retained my attorney or should i call them and tell them that im doing so.  the debt i believe is legit.